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Tagged: Regulator
NTH :: NHB wants housing finance firms to link loan disbursal to stages of construction
MUMBAI | BUREAU | Published on July 5, 2016 | Hindu Business Line
If a builder delays delivering on the housing project or does not deliver at all, then the home loan becomes an albatross around the home buyers' neck. Says if much of the loan is released upfront, builders may use the funds to repay old high-cost loans and for other projects
Fearing diversion of funds by builders under 'innovative' financing schemes — '10:80:10' and '5:90:5' — offered to home buyers, the National Housing Bank has warned housing finance companies against making upfront loan disbursals without linking the same to the stages of construction of housing projects or else they could attract penal provisions.
National Housing Bank (NHB), the regulator of housing finance companies (HFCs), said it has come to its notice that some HFCs are making such upfront disbursals.
Some HFCs have also approved certain projects for the advance disbursement facility.
What has caught the regulator's eye is that some builders are actually taking advantage of these schemes to source funds at low interest rates at the expense of the home buyer. The fear is that these funds could either be used to repay old high-cost loans or get diverted to other projects.
Now, if a builder delays delivering on the housing project or does not deliver at all, then the home loan becomes an albatross around the home buyers' neck.
How the scheme works
Once a builder gets a housing project and financing scheme approved by an HFC, the home buyer is lured with sales pitch that he needs to only come up with 5 or 10 per cent of the value of the house as his own equity.
The buyer gets a loan for 90 or 80 per cent of the value of the house from the HFC. And the balance 5 or 10 per cent own equity can be brought in by the buyer on completion of the project.
The builder promises to service the equated monthly instalment on the loan that is disbursed upfront by the HFC till the buyer gets possession of his house. Now, for the builder this arrangement is beneficial as he gets funds at home loan rates, of 9.40 per cent to 11.75 per cent.
In sharp contrast, if the builder were to approach a bank or an HFC for a loan for a residential project, he would be charged 15-16 per cent. If he taps the informal sources, the interest rate would be double what is charged by banks and HFCs.
Regulator's worry
NHB is worried that if the builder diverts the funds into other projects/repays old loans and delays the existing project, then the home loan borrower could get into trouble and this could have repercussions for HFCs.
The housing finance regulator, in a circular to HFCs, emphasised that disbursal of housing loans should be strictly linked to the stages of construction and no upfront disbursal should be made in case of incomplete/un-constructed projects.
Review schemes
NHB said the prevalent (financing) scheme(s) of HFCs, if any, need to be reviewed in order to remove inappropriateness of funding exposure with concomitant risk of diversion of funds.
The regulator warned that any non-compliance in this regard will be viewed seriously and may attract penal provisions.
Source : http://goo.gl/PTZrPB
NTH :: RBI seeks to regulate P2P lending space
The platform owners & investors hail the move as regulation gives RBI's stamp of approval to a business that is completely banned in countries like Japan & Israel
Anup Roy & Abhijit Lele | Mumbai | April 29, 2016 Last Updated at 00:25 IST | Business Standard
The Reserve Bank of India (RBI) on Thursday came up with a discussion paper on peer-to-peer lending (P2P), seeking to regulate the fast emerging crowdfunding platforms as the new financing model has assumed importance too significant to be ignored.
Interestingly, the platform owners and investors welcomed the development as regulation gives RBI's stamp of approval to a business that is completely banned in countries like Japan and Israel.
"Any space where money changes hand should be regulated. Regulation is good for the industry, but it should be light regulation" said Mohandas Pai, former board member of Infosys and investor in Faircent.com, a P2P lending platform. "Regulation will help us in our business and we can approach the court of law as legal entities for our needs and even for recovery," said Bhavin Patel, co-founder of LenDen Club, a P2P platform.
In fact, RBI itself is aware of this and sounded a little hesitant in giving this recognition to the business model. But the central bank officials, including Governor Raghuram Rajan, have said the RBI cannot remain indifferent to new innovation in financing activities and growth in P2P sector. To allow regulation, RBI's discussion paper said the platforms should adopt a company structure that can then be regulated by the central bank. Currently, the P2P platforms are run by individuals, proprietorship, partnership or limited liability partnerships — areas outside RBI's jurisdiction. The P2P platforms are largely technology companies registered under the Companies Act and acting as an aggregator for lenders and borrowers thereby, helping create a match between them.
"Although nascent in India and not significant in value yet, the potential benefits P2P lending promises to various stakeholders (to the borrowers, lenders, agencies etc.) and its associated risks to the financial system are too important to be ignored," RBI said.
Presently, there are around 30 start-up P2P lending companies in India, RBI said. Globally, the cumulative lending through P2P platforms at the end of fourth quarter of 2015 reached £4.4 billion, from just £2.2 million in 2012. While banned in some countries, in some other jurisdictions, the P2P platforms are either considered part of banking, or are intermediaries.
RBI's own discussion paper favoured the platforms to act as intermediaries, to be registered as non-banking finance companies with a minimum capital of Rs 2 crore, so that promoters have "skin in the game". The discussion paper also sought to curtail the freedom of these companies significantly and said funds raised through the platforms should go directly from the lenders' bank account to the borrowers'.
- The business size globally is £4.4 billion but nascent in India
- Completely banned in Israel and Japan but allowed elsewhere
- RBI plans to treat it as intermediary NBFC
- Minimum capital requirement is Rs 2 crore
- Should not take deposits
- Cannot show lending and borrowing funds in its balance sheet
- Money should go directly from lender to borrower
- Can only take fees, provide creditworthiness info
- Should not provide cross-border transactions
- Management should be stationed in India
Source : http://goo.gl/HB0yhG
NTH :: RBI unveils new math for banks' base rate
Aparna Iyer & Vishwanath Nair | Last Modified: Fri, Dec 18 2015. 12 35 AM IST | LiveMint.com
RBI aims to make rates responsive to policy changes; change may make loans cheaper for new borrowers
Mumbai: Indian banks will soon have to price their loans based on rules announced by the central bank on Thursday in a move that is aimed at making lending rates more responsive to policy rate changes.
Starting 1 April, lenders will calculate their lending rates based on the marginal cost of funds, or the rate offered on new deposits. The new rules will likely to make loans cheaper for new borrowers. For existing borrowers, it may take as much as a year for the benefits to be transmitted.
Banks currently set their lending rates based on the average cost of funds on deposits outstanding.
Reserve Bank of India (RBI) governor Raghuram Rajan has repeatedly emphasized the need for banks to pass on interest rate cuts, saying less than half had been passed on to consumers this year.
While RBI has cut its benchmark rate by 125 basis points in 2015, lending rates have come down only by 60 basis points, RBI said in its December monetary policy review. One basis point is one-hundredth of a percentage point.
"While these guidelines will benefit new customers, existing customers will also have an option to shift to the new regime with some conditions," Arundhati Bhattacharya, chairman of the nation's largest lender State Bank of India, said in an emailed statement. "Sufficient time has been given to banks to switch over to the new regime of marginal cost of funds-based lending rate."
By allowing banks to move to the new system for fresh loans and giving them the option to stay with the base rate system for existing loans, lenders will be spared a one-time hit to profits, which some had feared.
The Indian banking sector has struggled through a number of rate-setting methods over the last few years and has moved from a benchmark prime lending rate (BPLR) system to a base rate (or minimum lending rate) system and now the marginal cost of funds-based lending rate (MCLR). This time around, the shift was once again driven by weak transmission of interest rate cuts.
According to the new rules, every bank will be required to calculate its marginal cost of funds across different tenors. To this, the banks will add other components including operating cost and a tenor premium. A tenor premium is the compensation for the risk associated with lending for a longer time.
Taking all these components into account, banks will then publish an MCLR for overnight loans, one-month, three-months, six-months and one-year loans. This MCLR will act as the minimum or base lending rate for that tenor of loans irrespective of the borrower.
The final lending rate will be MCLR plus the spread that banks will charge for individual categories of borrowers.
"Apart from helping improve the transmission of policy rates into the lending rates of banks, these measures are expected to improve transparency in the methodology followed by banks for determining interest rates on advances," RBI said in a statement on Thursday.
"The guidelines are also expected to ensure availability of bank credit at interest rates which are fair to the borrowers as well as the banks," it said.
Bankers said the new rules related to differentiation based on loan tenor will help them price their loans better.
"The differentiation based on tenor will be a big positive for banks as now we would be able to price our loans based on the deposits of the corresponding tenor, rather than the older practice of considering 3-6 month deposit rate for computing base rates for all loans," said R.K. Bansal, executive director at state-owned IDBI Bank Ltd. "Now we would be able to avoid this mismatch."
With the inclusion of shorter term MCLR rates, banks can compete with the commercial paper market as well, Bansal added.
The new rules will reduce the cost of borrowing for companies, according to a Canara Bank official, who declined to be named as he is not authorized to speak to reporters.
"This has made the lending rate framework more dynamic as different banks could have different MCLRs for different tenures," the official of the state-run lender said
In its circular, RBI said banks should specify the dates on which interest rates would be reset for borrowers. This reset must have at least once a year but can happen more frequently as well.
"The MCLR prevailing on the day the loan is sanctioned will be applicable till the next reset date, irrespective of the changes in the benchmark during the interim period," said RBI.
Banks, however, have been given the option to keep outstanding loans linked to the base rate system even though it said existing borrowers will also have the option to move to an MCLR linked loan "at mutually acceptable terms".
Most banks are unlikely to offer this option easily, said a banker who declined to be identified, which means that any immediate hit to profitability may be avoided.
"We don't expect much of an impact on margins since the existing loans have been left untouched," said Bansal.
Certain loans such as those extended under government schemes or under restructuring package, advances to banks' depositors against their own deposits, loans to banks' own employees including retired employees and loans linked to a market-determined external benchmark will be exempt from the MCLR rule, RBI said.
Fixed-rate loans granted by banks will also be exempt from MCLR. However, in case of hybrid loans where the interest rates are partly fixed and partly floating, interest rate on the floating portion should adhere to the MCLR guidelines.
RBI had mooted adoption of marginal cost of funds for calculation of lending rates in its April policy citing lack of effective transmission of its rate cuts into bank base rates. Bankers cited the stickiness of deposit rates and lack of credit demand as reasons for the delay in passing on lower rates.
"There might be short-term problems when dealing with the new norms as banks might want to offer better spreads to their larger customers who can negotiate a better rate. However, once the system stabilizes, it will be more or less uniform across the board and borrowers will get rates which reflect the interest rates in the economy better," said Vibha Batra, senior vice-president at rating company Icra Ltd.
Batra added that there could be some shuffling in the home loan segment since existing borrowers will also want to move to an MCLR-linked rate if they see that as being cheaper. Banks, however, may be reluctant to allow existing borrowers to move.
"Lenders will have to come up with better schemes to retain home-loan customers by allowing them to move to the MCLR regime," said Batra.
Source : http://goo.gl/2RGbeJ
NTH :: New bill: Builders who flout tribunal's orders face 3-year jail
Dipak Kumar Dash | TNN | Dec 10, 2015, 02.58 AM IST | Times of India
Cabinet clears 20 major amendments to real estate bill
NEW DELHI: The government on Wednesday approved 20 changes in the Real Estate (Regulation and Development) Bill including a proposal for insurance of land title to protect buyers and developers from the risk of land fraud, a move which is seen to be pro-consumer.
The legislation comes after a wait of nearly three years and is expected to help regulate the unorganized sector, plug loopholes and protect buyers by setting up regulators in each state.
It has proposed a jail term up to three years or penalty or both in case of builders, one year for real estate agents and buyers for violating the orders of appellate tribunals. Another major change which is expected to benefit consumers is the condition of keeping 70% of the sale proceeds for a particular project in a separate account to meet the construction cost of that project, including the land cost. This has been done to minimize diversion of funds and ensure timely completion of projects.
Moreover, the regulatory authorities can grade projects along with grading of promoters to help buyers make the choice while booking a property.
In order to make states comply with the norms, the bill says states will have to make the rules within six months of notification of the proposed Act. Each state will establish the real estate regulator and the appellate tribunal as per the rules. The tribunal will be the final arbiter in case of disputes between a buyer and builders or promoters. Either party can approach the tribunal if the dispute is not settled by the real estate regulator.
"The provision for arranging insurance of land title will bring greater confidence in buyers and builders as well since they will get back their entire investment from the insurance company in case the title is held invalid. Such instances have happened in some cases recently," said a housing ministry official. The bill aims to protect interest of at least 10 lakh buyers annually and promoting investments in the real estate sector.
The Cabinet approved the bill after government held rounds of meetings with all stakeholders and incorporated recommendations of the parliamentary panels. It is keen to table the bill in Parliament during the ongoing session since there is little protection for consumers in the present framework.
It also provisions that the consumer has the option to approach consumer forums at district level instead of only the regulatory authorities proposed to be set up under the bill for redressal of grievances.
Moreover, to ensure that the regulatory authorities don't delay the cases, the bill has a provision for disposing off complaints in 60 days while no such time limit was indicated in the earlier bill. Similarly, the appellate tribunals need to adjudicate cases in 60 days as against 90 days as proposed earlier.
Some of the other key provisions of the revised bill include mandatory registration of projects of 500 sq metre area or eight flats with regulator instead of 1,000 sq metre or 12 flats as proposed earlier.
The bill has also incorporated the mandatory provision for formation of allottees associations such as RWAs within three months of allotment of majority of units so that buyers get to manage community facilities like common hall, club house and reading room.
According to the changes, the liability of promoters for structural defects has also been increased to five years from the earlier provision of two years.
Moreover, to fast-track the projects, the proposed bill has included the section for promoting single window system of clearances for real estate projects by the regulatory authorities. It also says that the allottees shall take possession of houses in two months of issuance of occupancy certificate.
The bill is also need to include quality check to avoid early dilapidation and collapse of the building causing life risk.
In order to ensure that chairmen and members of regulatory authorities and appellate tribunals do an honest job, the bill proposes barring them from taking up post-retirement jobs except in government and statutory bodies.
According to estimates 10 lakh consumers buy houses every year with an investment of about Rs 3.50 lakh crore in residential segment. About 3,200 to 4,000 new projects are launched every year. At present about 17,000 real estate projects are in progress in 26 major urban agglomerations in the country, which also will come under the ambit of the proposed bill.
Source : http://goo.gl/9HCfCx
NTH :: Some relief: No late fees on credit card dues for a month
The late fee imposed by card issuers ranges between Rs 100 and Rs 700, depending on the outstanding amount.
Mayur Shetty, TNN | Jun 14, 2014, 04.03AM IST | Times of India
MUMBAI: In a move that will bring relief to credit card holders, RBI has told banks that they can charge late fees only in the next billing cycle following a missed payment. At present, card issuing banks charge a late fee for any payment made after the due date.
The late fee imposed by card issuers ranges between Rs 100 and Rs 700, depending on the outstanding amount. For amounts above Rs 20,000, most banks charge a late fee of between Rs 600 and Rs 700. Most utility providers like electricity and telecom companies charge customers if they miss the due date. However, in the case of credit card payment the issuers charge interest for the delayed payment and in addition to this they charge a late fee payment.
This had led to a lot of heartburn among customers as they ended up paying both late fee and the interest even if they made the payment before the next bill was due.
Speaking to TOI, Pallav Mohapatra, CEO of SBI Cards, confirmed that RBI has asked banks not to impose late payment charges if the cardholder had paid before the next billing but after the due date. "It is possible that the regulator must have felt that since the cardholder is not being considered a delinquent until the next bill is unpaid, the penalty should not be charged," he added when asked about the rationale.
In December 2013, RBI had directed banks' credit card accounts to be treated as delinquent (a non-performing asset) only if the minimum amount due, as mentioned in the statement, is not paid fully within 90 days from the next statement date. The gap between two statements should not be more than a month.
Before that, some banks took the due date specified in the statement for payment of minimum amount due to determine the overdue status while others used the subsequent billing date to determine the over-due status.
Source : http://goo.gl/sFhE2d
NTH :: Mis-selling: Treat customers fairly, RBI to tell banks
TNN | Nov 22, 2013, 03.12AM IST | Times of India
MUMBAI: With cases of mis-selling by banks continuing to come into light Reserve Bank of India plans to introduce the concept of 'treat customers fairly' (TCF) for sale of third-party products. Under the TCF norms, introduced first by UK's Financial services authority, it is not enough for banks to merely stick to rules, they must prove that they have acted in the best interest of the customer.
"The intent and basic structure for TCF is in place in India for banking products of scheduled banks. However, it is now being considered to extend the TCF structure to third party products, viz., mutual funds, capital market and insurance products sold by banks and also extending the Ombudsman scheme to non-scheduled banks," RBI said in a report released on Thursday.
The issue of mis-selling by banks had come to the fore with Sebi's recent show-cause against HSBC for needlessly churning her mutual fund portfolio. Sebi found out that the unnecessary churn could only have been done to earn more commission. Under TCF guidelines it is not enough for a bank to obtain the signature of a customer on the application form, the onus is on the bank to make sure to that it is providing correct advice.
According to RBI TCF is a consumer protection policy designed to address the problem where banks know something about the product that the customer does not. "It is a regulatory initiative by which firms are required to consider their treatment of customers at all the stages of the product life-cycle, including the design, marketing, advice, point-of-sale and after-sale stages. By encouraging firms to re-evaluate their company culture and to inculcate the attitude of treating customers fairly, the outcome is likely to result in a more optimal one from the perspective of regulators, consumers and ultimately, firms," RBI said.
The report said that the desired outcome of the TCF programme is to ensure that consumers are provided are provided products that perform as firms have led them to expect, and the associated service is both of an acceptable standard and as they have been led to expect; and consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch providers, submit a claim or make a complaint.
Source : http://goo.gl/Iha8A9
ATM :: Now, home loan cashback on RBI's radar
Manojit Saha & Somasroy Chakraborty | Mumbai/Kolkata | September 27, 2013 | Business Standard
After banning 0% interest rate, central bank could crack down on EMI waiver too
After directing banks not to offer zero per cent finance for purchase of consumer goods, the Reserve Bank of India (RBI) might also crack the whip on home loan products offering cashback facility or EMI (equated monthly instalment) waiver, people familiar with the development told Business Standard. The banking regulator is likely to review these products so see if pricing was done in a transparent manner.
The proposed move is guided by the central bank's objective of fair and transparent pricing of loan products. RBI wants customers are made aware of their yearly borrowing cost at the time they take loans. RBI has been in discussion with banks to evolve "annual percentage-rate mechanism'— a practice followed globally that ensures customers know the exact annual burden on them.
With interest rates staying firm, top private banks have introduced home loan products offering EMI waiver and cashback to drive retail loan demand.
In September 2012, Axis Bank had launched a housing loan scheme where a borrower was not required to pay the last 12 EMIs if he had repaid money on time.
This product – 'Happy Ending Home Loan' – is being offered at the same rate as a regular loan and given to new customers under the floating-rate option. The EMI waiver is offered on housing loans with initial tenure of 20 years or more after crossing the 15th year with Axis Bank.
Two months later, ICICI Bank, the country's largest private lender, introduced a housing loan product offering borrowers one per cent cashback on every EMI for the entire tenure of the loan.
Under this scheme, cashback starts accruing from the first EMI month onwards and is credited to a customer's account after completion of the 36th EMI month. Subsequently, the one per cent cashback is accumulated every EMI month and credited to the customer's account after every 12th EMI month.
The bank also offered customers the option to renew their fixed-rate loans for two, three or five years at zero conversion fee, within 30 days of completion of the initial fixed rate tenure.
According to bankers, these products have been more popular among retail customers than traditional home loan products.
Sources, however, say the central bank does not appear convinced that these schemes disclose customers' annual borrowing cost transparently.
RBI has already asked banks to discontinue zero-per-cent EMI schemes offered on purchase of consumer goods. It has also directed banks that if a customer avails of a loan to purchase a product on which the manufacturer or dealer is offering discount, the lender must pass on the benefit to the borrower, without tampering with the applicable rate of interest. Banks have also been asked to severe relations with merchants that charge fees for use of debit cards for making payments.
However, bankers have expressed concerns that these measures might hurt the retail loan demand in the current festive season
Source : http://goo.gl/2xw7bQ


text:
AKA Marie Flayer, Independent Close To My Heart Consultant. Welcome to my creative corner of the kingdom where I'll be sharing whatever pleases me.
Saturday, May 24, 2014
Memorial Day Greetings in Operation Write Home Blog Hop
64 comments:
Very cute, love the shiny stars!ReplyDelete
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Barb Housner
The floating stars are such a fun, festive elements in this card. Especially nice for OWH since this design could work for anyone. Thanks for joining in the hop and supporting OWH!ReplyDelete
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Sentiment & Stars balance each other nicely!
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I like the layout too.
Thanks for making and sharing!
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subset: commoncrawl


text:
MiMi's Natural Beauty Face Mask
MiMi's Natural Nutritious Beauty Face Mask is blended with Cucumber, Avocado, Banana, Papaya, Bentonite Clay, Green Tea, Honey, Coffee, Rhassoul Clay, and Vitamin E to clean and calm sensitive skin..to brighten..to tighten..to reduce redness and irritation..to moisturize..to nourish and to keep skin healthy and young.
Directions: Clean face with Chevelure by Mimi 100% African Black Soap. Smooth Mimi's Face Mask over dry face avoiding eyes and mouth. Leave on for 10-15 minutes then rinse with warm water.
Great for all skin types!!
Not available for international orders!!


text:
I went from Yuk to Yay in 2011 and gained the Confidence to Conquer 2012 and beyond. ** ** Now I am a PERSONAL TRAINER!!! ** ** In February 2011 I changed my lifestyle to create the best version of me ever. I joined the Michelle Bridges 12 Week Body Transformation Round 2 in May 2011 and was lucky enough win overall 1st place. I then won the Inspirational Role Model Award in Round 3 2011. I started this blog in June 2011. This blog reminds me to Just Fricken Do It!!!
Saturday, January 7, 2012
What are YOU waiting For??
3 comments:
Splasharama, You are a good ambassador to the program and a great role model by providing inspiration to those that need it most. Keep up the good work!!ReplyDelete
- AnonymousJanuary 7, 2012 at 9:33 PM
OMG splash I love this, you are so right, I've learned recently not everyone will support you but thats ok I'm not going back to sad 95.5kg Megan ever. True friends stay with you through the good and bad, hence why I realised in the end that Mish is a true friend. But needed to do something at the time to make me happy again, and realize this. Mish and Shannan both will be my heros...no matter how far I get with both trainers..I admire them both so much, and you splash, are truely and inspirationReplyDelete
Thanks ladies for your messages.ReplyDelete
I just did exactly what Mish said plus extra training once I was fit enough because I loved how it made me feel. I'm pretty determined and nothing was going to stop me losing 40kg last year. 2011 was my year and the future looks awesome because of it.
I hope 2012 brings you both health and happiness :). You get what you put in to do whatever it takes.
All the best,
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text: A water -baby? You never heard of a water-baby. Perhaps not. That is the very reason why this story was written. There are a great many things in the world which you have never hear of; and a great many more which nobody ever heard of; and a great many things too, which nobody will ever hear of, at least until the coming of the Cocqcigrues, when man shall be the measure of all things.


text:
Three months after almost three dozen guests were sickened – some violently – at a wedding reception in Riverside County, investigators have not announced a cause.
So many fell ill at Country Feels Ranch on Sept. 7 that they had to be taken to hospitals by bus as well as ambulances.
Riverside County Public Health officials have sent samples of the food consumed at the reception to a U.S. Department of Agriculture laboratory for testing.
"We (are) not able to release the results of the testing as this case is still an active investigation," said a statement received Tuesday from the Riverside County Sheriff's Department, which is overseeing what it described as a criminal probe. "There is no update or additional information to provide."
Country Feels Ranch is north of Moreno Valley and has a Redlands mailing address in the 31100 block of San Timoteo Canyon Road. It provides a setting for weddings and receptions but does not prepare or provide food. A spokeswoman declined to comment on the investigation Thursday. The business has not been sued, court records show.
Public Health officials attempted to contact 81 people who attended the reception and were able to speak with 39, according to Barbara Cole, director of disease control for the agency.
Of those 39 people, 37 ate the meal, 31 got sick and 24 went to emergency rooms. Among the 37, 33 ate tri-tip, 25 ate chicken, 25 ate macaroni and cheese, 14 ate dinner rolls, 25 ate beans and 19 drank alcohol, which was described in a Public Health report as moonshine. The report did not specify what was eaten by those who got sick.
They suffered symptoms for an average of between three and four days.
"There is insufficient information to draw any specific conclusions and no additional avenues to investigate," Cole said in a statement to The Press-Enterprise that accompanied the report.
The identity of the person or catering company that provided the food has not been publicly revealed.
Country Feels Ranch can accommodate as many as 500 guests and has an outdoor ceremony area, along with a bar and seating. An indoor venue that can seat 170 guests has a dance floor and DJ area. It rents for $4,500, the venue's website says.


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Eight Year Old in Indonesia to Kick Smoking Habit
A young boy, who is just eight years old, smokes a more than twenty-five cigarettes each day. To kick his habit, he will undergo thirty days of therapy. This habit that he is kicking is a four year old habit. Yes, he has been smoking since he was four years old. The boy, only identified as Ilham, needs emergency help because his addition has reached the alert level and his behavior is being affected according to Indonesia's Child Protection Commission.
According to the chairman of the Commission, Arist Merdeka Sirait, when the young boy does not smoke for some time there is a dramatic change in his behavior and is like he is being possessed by several evil spirits. His father states that his son can become uncontrollable, aggressive, enraged, and would smash whatever was around, including glass windows. He is hoping the therapy will help his son so he lives a life that is normal and goes to school. During the therapy they will try to take his attention from cigarettes to playing or some other activity.
In Indonesia, they have the world's highest percentage rate of young smokers with approximately twenty-five percent of the children from the ages of 3 and 15 have tried smoking. In 2010 a video can out showing an overweight 2 year old drawing on a cigarette heavily who was from Sumatra island. He kicked his cigarette habit with a treatment similar to the one the eight year old is going to undertake. According to his parents he was smoking forty cigarettes each day. In Indonesia, a pack of twenty cigarettes cost just over one dollar.


text: Former student Whitney Goss visited with my Web Design class at TX State. She had some great advice for students entering the PR field with WebberMcJ in Austin. She talked about the need to understand all types of communication – journalism, advertising and PR. And, she said that knowing and keeping up with social media is important. Thanks for visiting with us, Whitney!


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Bettina Köster, student of the Berlin art school, began playing Saxophone for the Berlin underground band DIN A Testbild. In 1979 Köster started an all-girls-band project Mania D and opened her own store Eisengrau (with Gudrun Gut), showing underground fashion, Super 8-movies and artwork as part of the concept. Köster's Eisengrau-concept emerged to a scene hot-spot for Tabea Blumenschein, Alexander von Borsig, Blixa Bargeld and others. 1980 Eisengrau began publishing small editions of tapes with the musical works of underground bands, classifying thereby Eisengrau to a medium for music. Bettina Köster belonged to a group of Berlin artists named genius dilettantes, who, starting in 1980, performed in quick changing band-formations such as Liebesgier, Nachdenkliche Wehrpflichtige and Einstürzende Neubauten among others. The British radiohost John Peel referred to Köster, Gut and Beate Bartel as his "Queens of Noise".
The Malaria! years: 1981–84
In the same year Köster and Gudrun Gut started the Indie band Malaria! Malaria! gained international recognition with their song "Kaltes klares Wasser". Malaria toured with Siouxsie and the Banshees and The Birthday Party among others. As a lyricist Köster influenced succeeding girl Bands, such as Chicks on Speed, who released a cover version of Malaria's 1981 Hit "Kaltes Klares Wasser".[4]
Solo career: 1984–2015
Köster lived in New York from 1983 to 2001, where she worked as a film author and producer with the director Isabel Hegener. In 1997, Köster composed the music for the film Peppermills, which won 1998 at the Berlinale the Teddy Award in the category Best Short Film. In 2005 Köster performed with the musician Jessie Evans in the supporting program of The Vanishing. This led to the music project Autonervous, releasing an album in 2006. Since 2009, when "Queen of Noise" was published on Assinela Records, Vienna, Köster performs regularly with the Viennese drummer Ines Perschy in Clubs and on Festivals like the Gothic Festival in Belgium, Wave-Gotik-Treffen in Leipzig/Germany.
What to expect from Betinna Kôster on Bimfest 2015?
On BIMFEST Bettina Köster will go through her complete back catalogue performing of course some of the legendary Malaria! songs!
Video (Malaria)
Discogs (Malaria)
Discogs (Bettina Köster)
Relevant BIMFEST news Items:
22.10 Bettina Köster - 10 albums that changed my Life
15.09 Interview with Bettina Köster on Peek-a-Boo Magazine
News items:
Interview with Bettina Köster on Peek-a-Boo Magazine (September 2015)


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Nov 4: Program 11- Canadian Shorts Program
Program 11: Canadian Shorts Program
Cineplex Odeon International Village Cinemas
November 4, 2018 3:00 pm
The Canadian Shorts program celebrates the myriad cultural, sexual, and individual identities of the Canadian Asian and Hapa diaspora. Included are the winners of VAFF's 13th Annual Mighty Asian Moviemaking Marathon (MAMM13).
Admission to VAFF screenings is limited to those over 18 years of age holding a valid VAFF membership card.
Co-Presented with Community Partners:
The Canadian Shorts Program is also available as part of an Extra Value Ticket Bundle with the International Shorts Program for only $20! Purchase Bundle
In This Program
Too Late
Christopher Cho, Simon Chin / November 4 / Canada / 2018 / Drama / 1 minsThe bond between a mother and daughter can never be broken.
Lee Shorten / November 4 / Canada / 2018 / Drama / 1 minsA young girl learns that there are some things in life you can't prepare for.
Followers: Wifi, Interrupted
Milton Ng / November 4 / Canada / 2018 / Comedy / 10 minsA team of superheroes, based on today's most popular social medias, must save the city from Hater, who threatens to take down the Internet.
Kate Ely / November 4 / Canada / 2018 / Horror / 10 minsJin, a young international student, faces the trials of anxiety and paranoia only made worse by the isolation he feels from his family and the people around him.
Bunny Man
Athena Han / November 4 / Canada / 2018 / Drama / 8 minsOver a meal at a Chinese restaurant, four Taiwanese friends' discussion over their similarities and differences as Taiwanese-Canadians grows heated when a mysterious Bunny mascot enters.
Mia Fiona Kut / November 4 / Canada / 2018 / Drama, Love / 14 minsAveline, a young competitive aerial silk artist, struggles to return to her everyday and sport after a freak accident. She meets an equally lonely stranger, which leads to an unexpected journey.
Buy or Beware
Victoria Angell / November 4 / Canada / 2018 / Comedy, Horror / 10 minsSofie and Dennis need an affordable place to live that will allow their two dogs, and are forced to consider one inhabited by an unwanted guest.
Tokyo Lovers
Mayumi Yoshida, Nach Dudsdeemaytha / November 4 / Canada / 2018 / Drama / 19 minsA short film about two strangers bonding over heartbreaks, and how their odd friendship helps them regain their dignity.
Andy Lin / November 4 / Canada / 2018 / Documentary, History / 37 minsTrace the footsteps of Dr. Sun Yat-Sen's journeys across British Columbia and discover the local Chinese Freemasons' pivotal role in China's 1911 Revolution.


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Holiday Honey Hams Are Here!
Just in time for the holidays, Inboden's honey hams make a return to our store and are ready to order!
Our Honey Ham is an old fashion style dry cured ham. Over 99% of the hams that are in the marketplace are hams that have had the brining solution pumped into them before the smoking process. The brining solution consists of curing salts and water; many hams contain as much as 35% water. A dry cured ham has the curing salts rubbed into the ham without any water, and is either barreled or placed on racks in a cooler. The hams are turned and re-salted or lifted from the barrel and re-salted, then placed back into the barrel with the ones on the top being placed into the bottom and the bottom hams on the top.
This process is repeated for 10 to 14 days. This method allows the ham to naturally absorb the curing salts. The remaining salt is then washed off prior to the hams going to the smokehouse, where the hams are wood smoked. This is the same method that has been used for hundreds of years, thus resulting in a rich old fashion taste with no added weight accumulation from any water. The hams are then spiral sliced around the bone and baked with a honey and spice glaze.
The other excellent ham we carry is our bone-in traditional ham. This ham has been injected with the curing solution (brine) and then hickory smoked. This ham is considered a natural juice ham and contains less than 3% add water, just enough to expedite the curing and smoking process. This is an excellent ham. The proof is in the hams, the consumer receives a ham that will shrink less and have a more intensive flavor.


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POWER TO THE PEOPLE. Introducing the world's first affordable electric BMX.
They said it couldn't be done. Kids have been dreaming of an electric powered BMX bike forever. We have seen one-offs and basement projects come and go but they are either too expensive or just don't work… until now. Introducing the first affordable consumer electric BMX from Life EV. The result of a lifetime of dreaming and years of hard work, our eBMX bike rides like a top-of-the-line BMX and has the speed and distance capabilities of a state-of-the-art eBike.
We set out to build a great BMX bike, than electrify it. That was the easy part. Making it from, globally sourced, top-of-the-line components and building it in the USA was a little more difficult. Getting it down to a price that nearly everyone can afford, that was where we truly excelled.
Starting at an introductory price of $899, the Life EV eBMX bike is available in several configurations with options that allow you to reach top speeds of up to 20MPH without pedaling, a battery life that delivers up to 40 miles on a single charge and a Bluetoothtcontroller and smart phone mount that let's you check the status of the bike's systems, plus accurately gauge speed and distance.
Founded in 2016, LIFE EV finds its success through innovation, quality and a commitment to excellence that is highlighted with the launch of the very first affordable electric BMX developed and assembled in the USA. LIFE EV is partnered with ProdecoTech, the USA's only mass manufacturer of electric bikes who globally sources high quality components from Samsung, SRAM, Rockshox and other top brands in the bicycle component industry. Founded in 2008, ProdecoTech is the highest quality bicycle brand in the USA. Located in a state-of-the-art electric bike building facility in Oakland Park, FL, ProdecoTech builds using the highest quality components and a 100% American labor force. ProdecoTech will also be supporting our incredible 1-year, NON-PRORATED warranty and our 30-day money back guarantee. When you purchase a LIFE EV vehicle, you can rest assured you are getting a state-of-the-art product at a great price that is backed 100% by an American company and built by hand by an American labor force. By partnering with ProdecoTech, LIFE EV has ensured it can continue to design and build the highest quality electric vehicles for years to come! Please join us as we change transportation in the USA and make the world a little greener.


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Paul Holmes 22 Oct 2002 // 11:00PM GMT
Years of unfairly imported steel, coupled with a global recession, had caused more than 20 steel and steel related companies to file for Chapter 11. Strapped with the additional burden of crippling legacy costs including healthcare and retiree benefits, Bethlehem Steel, the venerated 100 year-old icon and symbol of the American Steel Industry, was in dire straits. Despite state-of-the-art manufacturing facilities and sweeping cost cutting initiatives, the company faced a serious liquidity crisis, which ultimately would result in filing for Chapter 11.
The MWW Group was brought in to develop the company's communications plan for all audiences – with employees and retirees being of primary importance. In less than thirty days, the team needed to educate itself on the complexities and intricacies of the industry and the company, which included 13,000 employees and 130,000 retirees in multiple locations with 24-hour shifts. To make matters even more challenging, just days prior to the filing, the Board of Directors elected to make a management change. The new CEO Robert S. "Steve" Miller, Jr. had a dramatically different approach to the restructuring and a much more frank and direct communication style. This fundamentally altered the key messages and necessitated a complete re-write of the plan and its documents very quickly. At the same time, the new tone and tenor of the communications plan was a fundamental change from Bethlehem's historic secretive culture, creating new challenges for the execution of the plan by the second tier of management.
· Secure employee support for new management and buy-in for difficult steps to come
· Reduce fear of Chapter 11 filing, educate employees about Chapter 11
· Lay the foundation for future efforts to mobilize employee and retiree base to support Company's agenda in Washington D.C.
· Anticipate all scenarios, including union reaction, and prepare management for likely communications issues
· Communicate with employees and retirees through every channel – the media, at work, at home and on the web via spoken, written and video communications
· Provide easy-to-use materials to ensure "roll-down" of messages throughout the organization
· Create written turnkey materials as well as relevant Q&A
· Provide Chapter 11 terminology and easy to understand analogies
· Recruit members of the management committee to be ambassadors to individual audiences and leverage their relationships
· Highlight the turnaround expertise of new CEO, and free him from the "baggage" of the company's past
· Use frank and honest style of new CEO to make a clean break from the old Bethlehem Steel
· Create the environment for smooth implementation for restructuring efforts, particularly those that involved the union
· Develop complete communications plan and all written materials, customized to employees and retirees
· Hold company wide staff meeting telephonically prior to news "hitting the streets"
· Prepare CEO video for use off-site
· Dispatch Company president and recent past CEO Duane Dunham on Company-wide tour to visit each site and hold employee meetings in each of the three manufacturing facilities on the day of filing.
· Create information center for restructuring news on the company's Intranet as well on the web site. Mail all materials home to each employee and retiree
· Educate retiree benefits hotline employees with prepared Q&As for the frequently asked questions by retirees.
· Prepare detailed schedules and training for management committee members
· Create restructuring hotline and email for rumor mill management and employee questions
· Establish mechanism for ongoing employee communications – daily and weekly web, voicemail and hotline updates, monthly videos and frequent management visits/employee meetings
The ultimate gauge of the success of our program will be the end result of the restructuring. However, with the company only 60 days into their Chapter 11, it is too soon to tell what the results of their overall efforts will be. However, it is clear that the communications program has been effective.
By all accounts, the filing day communications plan went without a hitch. Specifically:
Managers consistently reported back that they were well prepared and had no questions they couldn't answer.
A political, secretive culture by nature, employees were heard outside of their meetings expressing their confidence in the new management
The employee hotline received very few calls/questions, indicating thorough and effective information flow
Staffing reductions implemented in the weeks following the filing with no threats of walkouts or grandstanding in the media by Union representatives
The United Steelworkers of America are currently mobilized in Washington for trade relief and healthcare support, with leadership from Bethlehem retirees


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About a year ago she waited my side and combated tooth and nail to help me endure a bitter custody fight and win main custody of my fantastic 2 year-old son, who is her only great-grandchild, and the love of her life and my life.
Alexandria TN 37012 Alcohol Rehab Inpatient
The treatment you get will be different based on the drug you are addicted to. But no matter what your drug is, you have to make sure you are striving to keep away from it. Often it is needed to move far away in order to beat the addiction that you are experiencing. Many have actually discovered that treatment is up to 3 hundred times more effective when they relocate.
Leaving your relatives in the care of others can lead you to stress about their safety and other problems. In this case, do not stress over their safety. The law required retirement home to have a Citizen's Costs of Rights. It resembles a constitution within the retirement home. There are certain provided dealt with in here. As people, they likewise have rights to protect. In assisted living home, these are offered to them. When it comes to their physical conditions specifically health concerns, these include the rights they have. There are also rights when it comes to their privacy, legal issues, control gos to. You also need to consider this, and check if you concur with their concepts.
Drug Inpatient Drug Rehab
You can discover exactly what you're missing in a Drug inpatient rehabilitation centers. You can prepare for a brighter future for you and your household. That's what's coming for you and exactly what you should have.
For my coordination and balance was that of a 9 month old. I could not sit unaided, balance, walk or talk well. and was strapped to a darn wheel chair!
Possibly essential of all: Contact the moms and dads of teenagers who have finished from the center. Invest some time in talking to them about how it went. There are some difficult concerns you have to ask, however it is worth it. For example: did their child suffer a regression after leaving the teen inpatient drug rehab facility?
Inpatient Alcohol Rehab In Alexandria Tennessee 37012
Regrettably, addiction has to be cured; a person struggling with an addiction can not operate effectively in a society. The purpose of the rehabilitation is to put the addicted back on their feet and help them re-integrate in the society, get a job and forget about the alcohol, drugs or the other substances that have actually brought them in the addictive state. inpatient rehab is a very beneficial approach to deal with the addicted. But, many individuals do not afford entering into a center and costs weeks perhaps even months there. It is too pricey, and it takes a lot of time off. The solution for these clients is to use up outpatient rehab. If done seriously, the outpatient rehab can give excellent outcomes too.
6) Economical rates for month-to-month tracking. Some business charge huge costs for monthly tracking. The average individual just cannot pay for those rates. You'll need to choose on your own what is and is not an affordable rate for this kind of peace of mind.
Brief Summary
We hope this not just changes the view of those that are using this details to make an educated decision as to which center may be best for their loved ones, but that of the centers themselves. Fact is the response. The reality is that the success rate for centers is very low. This is not due to the fact that the centers are refraining from doing their jobs. It is since people are continuously selecting the incorrect rehab center for their particular needs.


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The Community Development Division provides training and education services to promote health such as the Youth Development and Culture programs, the Elder Mentor AmeriCorps Program, the Rural Provider's Conference, Growing Up Tobacco Free and the Resource Basket, a program supporting Alaska Native youth success. Elder Mentors help children with school work, model positive social and cultural values and provide emotional support to children.
A partnership with Alaska's Division of Juvenile Justice and the First Alaskans Institute supports youth culture grants for Alaska Native culture camps, subsistence activities, and youth leadership training. Alaska's Division of Behavioral Health supports a partnership with Kawerak, Inc. and a community wellness coalition in Nome to address the issues of underage and binge drinking in 21-44 year olds.
2015 Results
- 199 youth participated in Youth Development and Culture Grant learning experiences
- 135 individuals from 56 communities reported an increase in knowledge or skills as a result of Resource Basket technical training and assistance services]
- 59 Elder Mentor volunteers provided 45,156 hours of school readiness and academic engagement and performance support to 504 children in Pre-K, K-12 and correctional settings
- 153 Head Start/Early Head Start children showed improved physical health as demonstrated by receipt of treatment and follow up for identified health concerns
- 450 people engaged in substance abuse prevention, treatment and wellness education through the 2015 Rural Providers' Conference
- 32 Head Start staff received training in tobacco prevention and cessation education resulting in 108 quit attempts with 34 successful quits among Head Start families
Download the 2016 RurAL CAP Health Programs Fact Sheet (PDF file).


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Why We're Different
3-in-1 Skin CareVirgil's Fine Soaps provide simple skin care by combining a healthy skin care regimen in each bar.
Bug FighterVirgil's Fine Soaps keep bugs away... naturally. With Virgil's Fisherman's Friend, you don't need dangerous sprays and lotions to keep bugs at bay. Simply shower with Virgil in the morning and enjoy a bug free day!
Personal ServiceService matters! Every order you make is personally packed and shipped by Virgil & everything we sell is 100% guaranteed. We'll call you if you have savings that didn't show up in your bill, too!
Home | Blog | About Us | Support | Our Guarantee | Privacy Policy | © Virgils Fine Soaps | (937) 689-4324 | Follow Virgil's Fine Adventures: Facebook Twitter


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It felt too real..
I woke up in the middle of the night to get a drink and shortly went back to bed, I was half asleep when i was having this dream, of myself playing the role of mothers ghost body when she's looking for her assumed dead daughter.
It felt like it was being told to me as a story, as the mother calls out the little girls name, there is a few seconds silence, when I heard a little voice quietly reply "Mommy". At the same time I was aware that i was in bed and I felt so awake, but the dream went on and as soon as that little girl replied, I got the most scared feeling i've ever felt in my life.
And for seconds I was tryng to turn around to my boyfriend, but I couldn't move, it felt like I was in shock. Eventualy I did, but I was breathing heavily and he got really worried, I explained it to him, and he just re-assured me that everything was ok.
A dream has never affected me this much before.
If anyone read this, please leave your thoughts?
Thanx x


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Best Song Featuring Chris Brown – Readers Poll
At the rate he's going, Chris Brown could release a 'Best of' compilation for his laundry list of features. When it comes to collabos, the R&B crooner and Grammy Winner seems like the go-to guy for catchy hooks. So members of Team Breezy, we want vote on your favorite song featuring Chris Brown!
First up in the running for the best song featuring Breezy is Big Sean's hit 'My Last,' followed by Bow Wow's 'Shortie Like Mine,' with the rappers recruiting Breezy for the choruses of their chart-topping singles. Jordin Sparks also had a Top 5 hit with the help of Breezy on her 2008 duet 'No Air.'
The Breezy features don't stop there, though. New Boyz brought on the 'F.A.M.E.' hitmaker for their electronic hip-hop track 'Better With the Lights Off,' and his feature brought the song to a whole new level. Pitbull also caught the Breezy bug, and he asked the singer to sing the hook on his 2012 song 'International Love.' Finally, despite their history, Rihanna knew she wanted Brown for the male vocals on the extended remix of her 'Talk That Talk' single 'Birthday Cake.'
Which of the aforementioned Chris Brown-featured songs is the best? It's up to you to decide! Listen to the tracks by clicking through the links and vote below.


text: Create custom die-cut shapes to "mix" your own cocktails in record time using the Sip & Celebrate Dies. Dies help you create unique die-cut shapes with just a quick run through your die-cutting and embossing machine. Detailed dies include ejection holes so you can remove the paper easily.* 10 dies* Largest die: 3-3/8" x 7/8" (8.6 x 2.2 cm)* Use with a die-cutting and embossing machine


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CAMBRIDGE, Mass. – Unbeaten over its last six games, Harvard women's soccer heads to rival Yale for an Ivy League matchup Saturday, Oct. 5. The game is set for 4 p.m. at Reese Stadium and will be streamed live on the Ivy League Digital Network.
Ivy League Digital Network
Four of Harvard's home matches and select away matches against Ivy League opponents will be streamed in HD quality featuring a live scoreboard, new graphics package and play-by-play commentary through the Ivy League Digital Network. Subscribers to the network can watch contests both live and on-demand at their convenience, and will have access to live and on-demand content for all home Harvard athletics events throughout the duration of their subscription.
Last Time Out
Riding a five-game win streak into the match, Harvard downed Central Connecticut State University, 2-0, Sunday night at CCSU Soccer Field. Sophomore forward Emily Mosbacher registered her first goal of the season to give the Crimson the win.
Just Win Baby Win
After stumbling to a 0-3 start, the Crimson has ripped off five-straight victories. This marks the longest win streak for the Crimson since Oct. 11-Nov. 5 (five games) of 2011.
Follow Harvard Athletics on Facebook, Twitter and Instagram to stay connected with all the breaking news from around Cambridge and to get inside access to your favorite Crimson programs.
Fresh Faces
Six Crimson freshmen have started at least one game this season, led by Bailey Gary who has started all nine at back. Eight rookies have seen action and freshmen Margaret Purce (11) and Karly Zlatic (four) sit atop the team lead in points. Freshmen and sophomores have combined for 24 of the Crimson's 42 points through nine games this season.
Share the Wealth
Thirteen (13) Crimson athletes have registered a point this season. Six Harvard players – Laura Aguilar, Joan Fleischman, Kristina Garrido, Marie Margolius, Purce and Zlatic – have recorded their first career points this season.
Depth in Net
Three goalkeepers have started between the pipes for the Crimson and will rotate in net. Junior Bethany Kanten has earned four starts, seeing 270 minutes in net and posting a 1.67 goals against average. Junior Cheta Emba has started three games, maintaining a 0.31 GAA (290 minutes). Freshman Lizzie Durack (2-0) – coming off a UEFA finals appearance with England's U19 team – earned her first career win in 90 minutes against LIU and has logged 270 minutes with a 0.33 GAA and two shutouts.
All-Time Against the Bulldogs
Harvard owns a 29-8-1 all-time series advantage over Yale, besting the Bulldogs in each of the last five matches. Always a heated battle, the last four meetings have been decided by one goal and the last two have been golden goal affairs. A year ago, Meg Cascells-Hamby connected in the 95th minute to push the Crimson to a 1-0 overtime win.
Scouting Yale (5-3, 1-0)
Defeating Princeton in overtime in its last outing, Yale enters the weekend with a 5-3 record, including a 1-0 mark in league play. Junior Melissa Gavin paces the Bulldogs with 14 points on six goals and two assists, while classmate Frannie Coxe has dished out a team-high six assists. Sophomore Rachel Ames and junior Elise Wilcox split time between the pipes, each starting four of eight matches and hovering around a 2.00 GAA. Rudy Meredith, the winningest coach in Yale history, has amassed 181 victories in 19 seasons at the helm.
Close Calls
Six of Harvard's nine matches have been decided by one goal or have ended in a draw.
Looking Ahead
Harvard continues its road swing, heading to neighboring Boston University Tuesday, Oct. 8. Game time is set for 7 p.m.


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Kessler researchers link left-sided brain injury with greater risk for hospital-acquired infections
Findings published in March Archives of Physical Medicine & Rehabilitation have implications for translational research into brain-mediated immune defenses, infection control practices and cognitive rehabilitation strategies after stroke and brain injury
West Orange, NJ. February 28, 2013. The March 2013 issue of Archives of Physical Medicine & Rehabilitation, the medical journal of the American Congress of Rehabilitation Medicine, features an article by Kessler researchers Pasquale Frisina, PhD, Ann Kutlik, BA, and A.M. Barrett, MD. Left-sided brain injury associated with more hospital-acquired infections during inpatient rehabilitation (http://dx.doi.org/10.1016/j.apmr.2012.10.012) has implications for further research into brain-mediated immune defenses, infection control practices and cognitive rehabilitation strategies to improve outcomes after stroke and traumatic brain injury. The study was supported by Kessler Foundation and the National Institutes of Health (grant nos. R01NS055808, K24HD062647).
The authors, a team of stroke specialists from Kessler Foundation and Kessler Institute for Rehabilitation, report findings of a retrospective study of 2236 inpatients with brain lesions caused by traumatic brain injury or stroke. Hospital-acquired infection (HAI), a common complication that adversely affects outcomes and costs, was defined as infection diagnosed within 48 to 72 hours of admission. Of the 163 patients identified as having hospital-acquired infections, 60.1% had left-sided lesions. This finding was consistent with the hypothesis that a left-dominant brain immune network (LD-BIN) may influence the occurrence of HAI during inpatient rehabilitation for stroke and TBI.
These findings may help healthcare providers predict who is most susceptible to HAI, according to lead author Pasquale Frisina, PhD, which could help reduce mortality rates, control costs of care and improve outcomes. "The study indicates that antisepsis may not be the best or sole method to manage infection risk after stroke and brain injury," said Dr. Frisina. "Future research should focus on ways to optimize the LD-BIN to improve health. These may include brain stimulation techniques such as direct electrical stimulation of the prefrontal brain or behavioral techniques such as mental/cognitive exercise." He added that this investigative approach might lead to novel interventions aimed at increasing infection resistance, rather than on reducing or eradicating pathogens.
"Clinicians rarely think about the brain and immunity," noted A.M. Barrett, MD, "but the balance between left and right brain activity is known to affect our infection resistance. I'm proud to be part of scientific activities that ask these kinds of innovative questions, and get answers that become the basis for new, improved processes for clinical care."
About the Authors
Pasquale Frisina, PhD, is director of quality management at Kessler Institute for Rehabilitation in West Orange, NJ, and assistant professor in the department of geriatrics and adult development at Mount Sinai School of Medicine in New York. Ann Kutlik, BA, is research and outcomes coordinator at Kessler Institute. A.M. Barrett, MD, is Director, Stroke Rehabilitation Research at Kessler Foundation and Chief, Neurorehabilitation Program Innovation, Kessler Institute of Rehabilitation in West Orange. Dr. Barrett is also professor of Physical Medicine and Rehabilitation at the University of Medicine and Dentistry, New Jersey Medical School, in Newark, N.J.
About Kessler Institute
Kessler Institute for Rehabilitation, a division of Select Medical, provides comprehensive care and specialized treatment to address the complex needs of individuals with spinal cord injury, brain injury, stroke, amputation, neurological diseases, cardiac recovery and orthopedic/musculoskeletal conditions. Kessler is one of only eight federally designated Model Systems in the nation for the treatment and research of both traumatic brain and spinal cord injuries. Ranked as one of the top two rehabilitation hospitals in the nation and the best in the East by U.S. News & World Report, Kessler has three hospital campuses in West Orange, Saddle Brook and Chester, N.J., and more than 80 outpatient centers throughout the state.
About Kessler Foundation
Kessler Foundation, a major nonprofit organization in the field of disability, is a global leader in rehabilitation research that seeks to improve cognition, mobility and long-term outcomes, including employment, for people with neurological disabilities caused by diseases and injuries of the brain and spinal cord. Kessler Foundation leads the nation in funding innovative programs that expand opportunities for employment for people with disabilities.
About the Archives of Physical Medicine and Rehabilitation
The Archives of Physical Medicine and Rehabilitation advances the art and science of interdisciplinary rehabilitation, and is the premier source for researchers and clinicians to obtain authoritative information on the therapeutic utilization of physical, behavioral, and pharmaceutical agents in providing comprehensive care for individuals with chronic illness and disabilities. The journal publishes original, peer-reviewed articles that report on important trends and developments in physical medicine and rehabilitation and are relevant to all members of medical rehabilitation teams, including physicians, nurses, counselors, therapists and case managers. Archives began publication in 1920; it publishes monthly, and is the official journal of the American Congress of Rehabilitation Medicine. Archives is the most highly cited journal in Rehabilitation, has the highest Eigenfactor in the category, and has an Impact Factor that has increased eight of the past nine years. (2011 Journal Citation Reports®, Thomson Reuters). In 2009, the Archives of Physical Medicine and Rehabilitation was identified by the Special Libraries Association as one of the 100 most influential journals of Biology & Medicine over the last 100 years. www.archives-pmr.org
About the ACRM | American Congress of Rehabilitation Medicine
ACRM serves a global community of researchers and clinicians striving to deliver evidence-based rehabilitation interventions to people with disabling conditions, such as traumatic brain injury, spinal cord injury, stroke, and neurological disorders, such as multiple sclerosis. ACRM is committed to the dissemination of research and educating providers while supporting advocacy efforts to ensure adequate public funding of research endeavors. www.acrm.org
Kessler Foundation: Carolann Murphy, PA; 973.324.8382; firstname.lastname@example.com
Kessler Institute: Gail Solomon, 973.243.6879 (office), 973.567.1327 (cell) or email@example.com


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Earring Findings
Your ears deserve a treat! Create beautiful earring designs with our high-quality earing findings, ear wires, earring posts, leverbacks and more. Don't have pierced ears? No problem! We got you covered with non-pierced earring findings too! Choose from a wide variety of sizes and styles of sassy findings in popular materials, including sterling silver, gold-filled, copper, niobium, plated pewter and base metal.


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Windows 10 MDM in the enterprise
Windows 10 is a major OS overhaul that unifies device and security management for the modern enterprise architecture by converging separate OS versions onto one platform. With a unified set of MDM APIs and Windows Information Protection (WIP), Windows 10 enables IT to secure and manage every Windows device while providing a consistent user experience.
Learn More about Windows 10
Windows 10 and MobileIron modernize PC security and management
Enterprise IT is facing an ever-increasing level of management complexity. From legacy PC clients to mobile devices running multiple operating systems, admins must juggle more security and management tasks than ever before. Until now, PC management has involved a variety of tools to try to meet all of these requirements. Windows 10, combined with EMM, offers a more secure and unified approach to managing PCs and mobile devices.
Unified platform for the modern enterprise
Windows 10 converges traditional Windows operating systems to allow for security and management through a single, unified platform across mobile, desktop, and embedded products. This unified platform also allows programmers to develop and manage universal apps that can be written once and run on any form factor and screen size. As a result, the application experience will now be the same on a Windows PC, phone, or tablet, which is a huge evolutionary step for Windows in the enterprise.
Unified application management
Prior to Windows 10, in-house app distribution was fragmented by two different app deployment models. To eliminate this fragmentation, Windows 10 has unified the Windows Store to provide a single app storefront for all Windows apps, including in-house and third-party apps. Now IT can administer all corporate apps through the Windows Store and distribute them over the air through the EMM console. This also means that Win 32 applications will no longer need to be packaged for distribution through System Center — they can be administered directly through the EMM console via MDM APIs.
Advanced enterprise data protection
Windows 10 introduces Windows Information Protection (WIP), which automatically encrypts business data to keep it secure wherever it travels. WIP adds a critical layer of protection at the file level, which allows security to remain invisible and unobtrusive to the end user. With WIP, no special actions, apps, or locked-down devices are required to meet corporate security requirements. By taking security out of the hands of employees, IT can ensure corporate data is always safe, whether it's at-rest or in-motion.
Top PC security and management capabilities of MobileIron
An enterprise mobility management (EMM) platform can help admins manage any Windows 10 device, including PCs and employee-owned or BYOD mobile devices. With MobileIron, admins can accelerate device setup and configuration, simplify app administration, and ensure seamless security across all EMM-managed enterprise devices.
Low touch PC setup and enrollment
With Windows 10 and MobileIron, IT admins can support a broader range of devices, including BYOD and devices used by remote workers without physical access to them.
Efficient enterprise app management
With an enterprise app store IT can administer and distribute apps faster and more securely than the traditional framework of distributing packages for each application.
Multi-OS device management
MobileIron supports a "single pane of glass" management approach with critical updates distributed to Android, iOS, macOS, Windows 10, and legacy PC clients on any network.
Seamless and secure certificate management
Certificates can be seamlessly deployed the same day wth little or no user intervention, providing a more delightful and secure experience than traditional approaches.
Simplified app white and blacklist management
IT admins can easily define rules to allow or deny applications based on unique file identities, group policy, or user role.
MobileIron Bridge
Unify mobile and desktop operations for Windows 10 using a single console and communications channel
View data sheet


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Repair Services
Yakety Yak specializes in Apple iPhone, iPad and Samsung Galaxy repair, we fix more than 600 units a month onsite. We also fix other mobile and tablet brands like Motorola, ASUS, Microsoft, Blackberry, HTC, LG and Lenovo. All repairs are done in-house by our trained technicians, and come with a 90 warranty on the repair.
Yakety Yak is one of the only locations in the Dallas/Fort Worth Metroplex that will conduct all repairs onsite. We have trained technicians that can repair your phone, regardless of which carrier it is on. Most of our repairs are done same day, and in the case of phones, usually in about an hour.
- We fix broken Apples!– iPhone 6S, 6S+, 6, 6+, 5S, 5C, 5, 4S, 4, 3gS– we can fix your broken screen, change your battery, even repair home buttons, volume, power, mute, as well as the charge port. We can even change the back if yours is looking worn.
- Broken/scratched screens – Don't throw away your phone simply because the screen is cracked, bring it to us and we can fix it for a fraction of the cost of buying new.
- Phone not charging? – In most of the newer phones we can replace your dockport eliminating charging issues
- Can't keep a charge? – Yakety Yak can replace your battery in no time. We stock hundreds of batteries, all from original manufacturers, and all with a one year warranty.
- Damaged cases – Dropped your phone one too many times? We can do a complete case replacement, in some cases in different colors that will get you loving your phone again.
- Unlocking – We can unlock most phones onsite. If you plan on traveling internationally or just want to get that latest T-Mobile phone onto AT&T come see Yakety Yak. Our fee starts at $29.95.
- Contacts – let us help you move contacts from one phone to another, and show you better ways of keeping your contacts
Click the images below to see repair pricing.


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When it comes to prescription eyeglasses, it goes without saying that the lenses must be the right prescription and grade for your needs. But there's another burning question that needs to be answered: what about the frames? Since you're bound to use those eyeglasses every day, the frames you choose need to be the proper ones as well. So how do you choose the best eyeglass frames for the shape of your face? Here's how.
Three main considerations
There are three main considerations when choosing prescription eyeglass frames. The first is that the frames should accentuate what you have as your best feature (if you have nice blue eyes, then a blue-coloured frame would be a good choice). The second consideration is that the shape of the frame should be in contrast to the shape of your face. The third consideration is that the size of the frame should be the appropriate scale to the size of your face.
The shape of your face
The shape of your face plays an important role in regards to choosing the best frames. There are a total of seven shapes, and this includes a round face, an oval face, an oblong face, an inverted triangle-shaped face, a square-shaped face, and a diamond-shaped face.
If you have a round face, narrow and angular frames would go best with you. You want to make your face appear longer and narrower, so frames like these would serve to lengthen your round face. For those with oval faces, you're one of the lucky ones it's relatively easy to choose the proper frames for your face shape simply because your face already has a natural, inherent balance. One tip, though: choose frames which are wider than your face's broadest area.
Those with an oblong face have faces which are long, with a long line on the cheek and often, a longer nose. To make your face look shorter, opt for frames which are deeper rather than wider or frames that feature a lower bridge. If you have an inverted triangle-shaped face, you would have a forehead which is narrow with a wider chin and cheeks. For you, frames with bolder colour accents are ideal, or try frames which have details on their top half. If you have a square face, you would have a strong jaw with a forehead which is broad, so frames which are narrow are best. For those with a diamond-shaped face who have a narrow jaw and eye line combined with broad cheeks, go for frames which have detailing on the brow area or frames which are rimless.
Consider your eyeglass frames an investment. After all, you'd be using them every day and you would want them to last for a long time. Chanel glasses, for instance, are the epitome of style and elegance and are undoubtedly strong and durable as well.
Chanel Glasses Photo Gallery
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Senior leadership changes at super lobby group
One tax and superannuation lobby group has confirmed further changes to and departures from its superannuation team in the wake of an internal restructure.
Due in part to a declining membership base, Taxpayers Australia has moved to amalgamate its tax and superannuation teams.
As a consequence, Reece Agland's role as head of superannuation has been made redundant.
The move was made last Friday, and confirmed to SMSF Adviser this morning. It comes just months after former ATO senior director Mark Chapman vacated the role of head of tax products and services.
Speaking to SMSF Adviser, Mr Agland said Taxpayers Australia will continue to lobby on superannuation issues and to "service the members as they have always serviced the members".
A source within the organisation suggested, however, that there may be less of a focus on superannuation issues and more of a focus on core taxation issues in the future.
According to his LinkedIn profile, Mr Agland has been at Taxpayers Australia for one year and 10 months.
Prior to his role at the organisation, he was superannuation products and services manager at the Institute of Public Accountants.


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vs. Northern Football
Stadium Size:
NORTH: College football stadiums hold 20,000 people.
SOUTH: High school football stadiums hold 20,000 people.
NORTH: Expect their daughters to understand Sylvia Plath.
SOUTH: Expect their daughters to understand pass interference.
Campus Decor:
NORTH: Statues of founding fathers.
SOUTH: Statues of Heisman trophy winners.
Homecoming Queen:
NORTH: Also a physics major.
SOUTH: Also Miss America .
NORTH: Rudy Guiliani
SOUTH: Coach Paul "Bear" Bryant
Getting Tickets:
NORTH: 5 days before the game you walk into the ticket office on
campus and purchase tickets.
SOUTH: 5 months before the game you walk into the ticket office on
campus and put name on waiting list for tickets.
Friday Classes After a Thursday Night Game:
NORTH: Students and teachers not sure they're going to the game,
because they have classes on Friday.
SOUTH: Teachers cancel Friday classes because they don't want to see
the few hung over students that might actually make it to class.
NORTH: An hour before game time, the University opens the campus for
game parking.
SOUTH: RVs sporting their school flags begin arriving on Wednesday
for the weekend festivities. The really faithful arrive on Tuesday.
Game Day:
NORTH: A few students party in the dorm and watch ESPN on TV.
SOUTH: Every student wakes up, has a beer for breakfast, and rushes
over to where ESPN is broadcasting "Game Day Live" to get
on camera and wave to the idiots up north who wonder why "Game
Day Live" is never broadcast from their campus.
NORTH: Raw meat on a grill, beer with lime in it, listening to local
radio station with truck tailgate down.
SOUTH: 30-foot custom pig-shaped smoker fires up at dawn. Cooking
accompanied by live performance by "Dave Matthews' Band,"
who come over during breaks and ask for a hit off bottle of bourbon.
Getting to the Stadium:
NORTH: You ask, "Where's the stadium?" When you find it, you
right in.
SOUTH: When you're near it, you'll hear it. On game day, it becomes
the state's third largest city.
NORTH: Drinks served in a paper cup, filled to the top with soda.
SOUTH: Drinks served in a plastic cup, with the home team's mascot
on it, filled less than half way with soda, to ensure enough room for
When National Anthem is Played:
NORTH: Stands are less than half full, and less than half of them
stand up.
SOUTH: 100,000 fans, all standing, sing along in perfect four-part
The Smell in the Air After the First Score:
NORTH: Nothing changes.
SOUTH: Fireworks, with a touch of bourbon.
Commentary (Male):
NORTH: "Nice play."
SOUTH: "Dammit, you slow sumbitch - tackle him and break his legs."
Commentary (Female):
NORTH: "My, this certainly is a violent sport."
SOUTH: "Dammit, you slow sumbitch - tackle him and break his legs."
NORTH: Neutral and paid.
SOUTH: Announcer harmonizes with the crowd in the fight song, with a
tear in his eye because he is so proud of his team.
After the Game:
NORTH: The stadium is empty way before the game ends.
SOUTH: Another rack of ribs goes on the smoker. While somebody goes
to the nearest liquor store for more bourbon, planning begins for next
week's game.
Nothing else in the universe comes even halfway close to the glories
of Southern football
Tide Roll


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Nice. It's good to see there are still some companies that value the customer, before and after the purchase is done.
So a while ago I ordered a Daystar lower dash panel for my light switches. I installed it but noticed the fit wasn't quite right. It kept popping out/off and despite trying to modify the fit it was hopeless.
So I called Daystar directly and asked about the issue. They hadn't heard about it, but without asking me any questions, shipped me a brand new lower dash panel the very next day. The CS Rep was friendly and extremely professional.
Thank you Daystar for amazing your customer service and for standing behind your products!
Nice. It's good to see there are still some companies that value the customer, before and after the purchase is done.
Mine did the same thing in my old jeep I put a piece of paper in there to wedge it in and worked for a little bit. I should of just called Daystar for the fix.
I could not for the life of me get the Daystar panel in my Painless Trail Rocker kit to stay clipped in with those orange clips. I removed the metal clips from my stock net panel and it without popping out. Fits right but it does fit.
2015 Anvil Rubicon Unlimited
Evo Mfg Double Throwdown suspension w/Evo Lever
Evo Mfg high clearance long arms
Evo Mfg PR60 high steer w/PSC hydraulic assist
Dynatrac ProRock XD60 front axle
Dynatrac ProRock 80 rear axle
ARB lockers & 5.38 gears
JE Reel 1350 front/1410 rear driveshafts
Evo Mfg rocker/corner armor/bumper
17" ATX Slabs & 40" Nitto Mud Grapplers
Proud to be one of Uncle Sam's Misguided Children 2001 - 2010. Semper Fi
Jeep parts and accessories purchased through the following link will help support this forum and at no cost to you.
Mine did the same thing, I used double sided tape and it is snug and secure now.
Off-Road Solutions Made Painless
Tech line: 1-800-423-9696
Daystar CS is great! They sent me new shock bushings without any question.


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It's simple, if young, millennial employees see a future with the company they work for (or apply to), they stay longer. If those employees stay longer, you save money re-hiring and those employees are able to earn more over their career. Textbook win-win.
On RaiseYourFlag.com, companies promote their available career paths, step-by-step, from entry-level position to management and beyond. When a young career-seeker uses Raise Your Flag, they're able to see the paths available to them and exactly what's required at each step. They're able to clearly imagine a career with your company and are much more likely to stick around to make that future a reality.
How it works:
1. Build a path.
Start by mapping the opportunities from entry-level positions to beyond. Where can an applicant go after they're hired? How long will it take? What skills will they need?
We help you put this together.
2. Get the link.
Once the path has been mapped and we have some more information about it, you get a single line of code to use to embed your path.
It's as simple as sharing a YouTube video.
3. Put it anywhere.
The code you generate for your career paths can be embedded anywhere. Existing job ads, company blog and your company Facebook page. You name it, paths work there.
The goal? Show the world the possibilities.
4. Attract top talent.
The link you generate for your career paths can be embedded anywhere. Existing job ads, company blog and your company Facebook page? It works there.
Top talent is everywhere, your paths are too.
Job boards exist on the premise that for them to do well, companies need to constantly be looking for *new* employees to fill vacancies. Raise Your Flag aims to fill your entry-level positions with existing workers who want to stay with your company. As a result, you spend less time advertising on job boards because your hiring pipeline is filled with employees who are on a path to fill openings in the pursuit of a meaningful career path.
Do we include job postings on career paths? Absolutely. It's crucial to to communicate to potential applicants the opportunity to join a company in an entry-level role and work up from there. Raise Your Flag job postings only exist in the context of a career path.
Don't know what an ATS is? We can definitely still help.
The price of Raise Your Flag is based on 3 things: company size, annual hiring needs and level of integration with your current technology. Plans start as low as $100/month.
Take 5 minutes to watch our CEO answer this question.


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26. tammikuuta 2016
Parcel from UK
I posted about the parcel I sent to Serena in UK earlier HERE. I received my parcel on friday and here's what I got from her:
25. tammikuuta 2016
Received postcards (week 3)
LT-485609 from Lithuania
Travel time: 15 days
From my penpal in Denmark
BLR-889 from Belarus
Travel time: 13 days
From Lily in Finland
NZ-137832 from New Zealand
Travel time: 17 days
IG-swap from @_850627 in Singapore
IG-swap from @nellyzhou in China
FRA-1434 from France (sent from USA)
Travel time: 12 days
DEU-2963 from Germany
Travel time: 4 days
US-3792568 from USA
Travel time: 10 days
ES-390171 from Spain
Travel time: 15 days
CZ-793781 from Czech Republic
Travel time: 10 days
NLD-1907 from Netherlands
Travel time: 13 days
POL-6224 from Poland
Travel time: 10 days
Posted By Miia klo 11.14 4 kommenttia:
Labels Belarus, China, Czech Republic, Denmark, Finland, France, Germany, Lithuania, Moomins, Netherlands, New Zealand, Poland, Spain, USA
23. tammikuuta 2016
Parcel to UK!
We arranged a swap with Serena in UK. We had a deal that we can also put little things in little bags - no need to buy whole packages of everything. We put things that we like very much or that are made in our countries. I haven't ever swapped parcels with anyone, because it is so expensive to send one abroad. Sending this parcel cost 13€ and the weight was a bit less than 500g.
The parcel included:
- Fazer Blueberry yoghurt crisps in milk chocolate
- Budapest (my favourite chocolate in christmas!)
- I wanted to send those "puuha pete" sweets on the left, but there was too much weight in the parcel so I had to take it away. Maybe I will send them to her with the next letter...
- Fazer moomin fruit sweets
- My favourite breakfast: raspberry porridge
- heart shaped gingerbread
- Fazer dark chocolate
- Fazer JIM chocolate
- Fazer chili and crisp chocolate
- Fazer milk chocolate
- Fazer Suffeli chocolate
- Fazer Pätkis mint chocolate
- Crisp Bread
- Fazer Moomin biscuits
We wanted to make the swap more special so we wrapped all the things, like a second christmas! ;)
17. tammikuuta 2016
Received cards (weeks 1 and 2)
From my mom
BR-373579 from Brazil
Travel time: 60 days
PL-1167468 from Poland
Travel time: 3 days
POL-6162 from Poland
Travel time: 8 days
CHN-1529 from China
Travel time: 14 days (!)
US-3783183 from USA
Travel time: 10 days
Instagram swap from Japan
Promotional hello kitty cards and u-sa-ha-na
Instagram swap from Hong Kong
I also received very cute animal cards this week! They are HERE.
16. tammikuuta 2016
Animal cards from Postcrossing (week 2)
Hello! Now I started to receive postcards again after a long break. It's so funny, these all cards traveled for 7 days. :D They are so cute. ^_^
This time I wanted to show you the stamps too.. I love especially the car ones!
This time I wanted to show you the stamps too.. I love especially the car ones!
CA-594477 from Canada
Travel time: 7 days
DE-4868751 from Germany
Travel time: 7 days
Direct Swap via Postcrossing
From Estonia
DE-4868756 from Germany
Travel time: 7 days
AT-255554 from Austria
Travel time: 7 days
7. tammikuuta 2016
Outgoing postcards in January
Hello! Here are a few postcards I've sent these days. I didn't send cards really in november and december because of the strikes, so I haven't received cards now. Just one or two.
Hopefully I start receiving more soon when these are registered. ^_^ I requested 14 addresses on postcrossing and 9 on postcard united in two weeks.
To France
To Italy
To Germany
To Austria
To Ukraine
To Malaysia
To USA
To Japan and Russia
To Taiwan
Tilaa: Blogitekstit (Atom)


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As innovative designers and manufacturers of quality interiors and joinery work, the team at Linea cater for each client's individual requirements, which in turn reflects the client's own personal style and taste. The management staff have a combined 30 year experience in joinery and are supported by a team who are dedicated to designing and manufacturing.
The success of an interior design and manufacture project comes from an ability to interpret the client's needs. This is achieved with communication and understanding between both parties. Particular attention to detail makes Linea a reputable company in which it is proud to offer you its services.
The team at Linea have the skills and experience to cater for all scopes of joinery requirements, which is made possible by highly skilled individuals and high tech machinery.


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Beanfields Bean Chips, Sea Salt, 1.5 Ounce (Pack of 24)
- Beanfields Sea Salt Bean Chips satisfy your snack cravings
- One serving of Beanfields Sea Salt chips gives you 5 grams of protein and 6 grams of fiber, so you can feel good about what you're eating
- Beanfields Snacks are always vegan, certified gluten-free, kosher, Non-GMO Project Verified and have zero grams of sugar
- Beanfields proudly makes every chip flavor without corn or any of the eight ingredients recognized by the FDA as the top food allergens
- 1.5 Ounce (Pack of 24)
Great taste is an exercise in balance and simplicity. Just ask SEA SALT. Well don't because chips can't talk but if SEA SALT could, it'd tell you how just a hint of ocean salt makes this bean chip simply pop with perfect flavor.
Beanfields Chips:
- Dairy-free
- Non GMO
- Gluten-Free
- Corn-free
- Made without any of the 8 ingredients recognized by the FDA as the top food allergens
|Snack Flavor
|Sea Salt
|Special Diet
|Gluten Free, Kosher, Vegan
|Unit UPC
Legal Disclaimer: While we work our best to ensure that product information is correct, on occasion manufacturers may alter their ingredient lists, product name, or packaging. Actual product packaging and materials may contain more and/or different information than that shown on our Web site. We recommend that you do not solely rely on the information presented and that you always read labels, warnings, and directions before using or consuming a product. For additional information about a product, please contact the manufacturer. Content on this site is for reference purposes and is not intended to substitute for advice given by a physician, pharmacist, or other licensed health-care professional. You should not use this information as self-diagnosis or for treating a health problem or disease. Contact your health-care provider immediately if you suspect that you have a medical problem. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease or health condition. Oasissnacks.com assumes no liability for inaccuracies or misstatements about products.


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Naresh Vissa, a finance, accounting and broadcast journalism student at Syracuse University, has filed a lawsuit against Ed Butowsky, a Managing Partner at the Chapwood Capital Investment Management firm that claims to manage over $3 billion in investments, for allegedly failing to pay Vissa $900 for time worked as an intern last summer.
Ed Butowsky describes himself as "a nationally-recognized expert in investment management who is interviewed frequently by the media, including Bloomberg TV, FOX Business News, ABC, NBC, Sports Illustrated, and SIRIUS radio."
Vissa wrote about his "horrific internship experience" in The Daily Orange, the Syracuse University newspaper, and described how Butowsky "left (him) profane and vulgar voicemails" after Vissa threatened legal action to recover his unpaid wages. He also wrote:
"Two days ago, more than two months after my internship, I finally received a check that was off the books; It was a quarter of the amount I am owed. My boss continues to leave voicemails, threatening my future employment and saying he has made calls to Syracuse University about me. He continues to stress that I have no idea the reach he has in places where nobody would want him to be, and that he will file a lawsuit against me for fraud, charging I did not deliver the results he was looking for."
Got a tip about a bad boss that eBossWatch should feature? Do you want to expose your toxic boss? Let us know! Send us an email at email@example.com


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Currently Out of Stock
- Product Details
- Specifications
- Sell Silver to Us
Set Highlights:
- Each coin contains 1 oz of .999 fine Silver.
- The complete set containing all 30 proof Silver eagles contains 30 oz of Silver.
- NGC encapsulation protects the perfect 70 condition of the coins that are housed in two NGC slab boxes.
- Only 405 examples of the 1995-W have been graded a perfect 70 at NGC, making this a tough set to complete at this ultimate level.
- Obverse: Displays Adolph A. Weinman's design showing Lady Liberty draped in an American flag, walking gracefully as the sun rises over a ridge.
- Reverse: Boasts a heraldic eagle is shown below 13 small stars, representing the original colonies.
- Sovereign coins backed by the U.S. government.
Many 1995-Ws, even in 70-graded slabs, are known to exhibit milkspots or unsightly toning, which harms both its attractiveness and its value. APMEX is one of the strictest buyers of these coins in the industry, and the 1995-W in this set is a truly flawless coin, with no spotting. This outstanding collection makes completing this difficult set simple. Add this certified 30-Coin Proof Silver Eagle set to your cart today!
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We provide all of our customers with a refund, return and / or exchange on everything we sell including all bullion and certified coins. If for any reason, you have a problem, please feel free to call us. We will always do our best to accommodate you.