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"Therefore, whether you eat or drink, or whatever you do, do everything for God's glory." 1 Corinthians 10:31
Inherited from Martin Luther before them, the Puritans further developed the Doctrine of Vocation. They made revolutionary claims that helped everyday people know their worth in an otherwise stifling, class-bound society. Based on 1 Corinthians 10:31, they claimed no work was higher than another, that a farmer milking a cow pleased God just as much as a Church leader serving a congregation. They argued what mattered was not the nature of the work, but the nature of the one doing the work and how the work was done.
Was the person working out of selfish ambition, or living according to Colossians 3:23-24: "Whatever you do, do it enthusiastically, as something done for the Lord and not for men, knowing that you will receive the reward of an inheritance from the Lord. You serve the Lord Christ."
As Jesus' father was a carpenter, he likely learned the trade in his early years and only began public ministry in his early thirties when he was baptized. Even then, God said, "This is My beloved Son. I take delight in Him!" Matthew 3:17
Find comfort in the doctrine of vocation derived from the Word of God. Do not let the world tell you your work is pointless. Whatever you're doing today, with the right condition of your heart, know you can please God to the utmost. You matter to the master designer of the universe!
This transfers over to strength & conditioning as well. You don't have to make the highlight reel on ESPN, compete in elite competition, or lift the most weight to glorify God. God is pleased and glorified through your hard work and stewardship of all God's given you. Press on family and friends, fight the Good Fight wherever God has you!
Adapted with permission from CrossFit Level 1 Trainer, Martin Medina, Moreno Valley, CA.


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Introducing The 2018 Honda Fit
They say good things come in small packages and the 2018 Honda Fit is no exception. The Fit is fun, functional, and full of personality. The 2018 model offers updates like a new Sport Trim Level, an updated suspension for better handling, and more available safety features.
Sporty Good Looks
The Fit is a perfect combination of modern sport styling and aerodynamic efficiency. Details like an aggressive front bumper, stylishly flowing body lines, a rear spoiler, and redesigned LED taillights add to the fun-to-drive personality of the car. It's smaller profile makes it perfect for scooting around crowded city streets and makes it easy to squeeze into tight parking situations.
Surprisingly Spacious
Don't let the compact size fool you, the Fit has been designed to utilize every bit of space possible on the inside. There is over 93 cu. ft. of passenger space with seating for five. Comfortable, well-bolstered seats are great for extended travel. The Fit's tilt and telescoping steering wheel and height adjustable driver's seat help you find that perfect driving position. Honda has used premium materials throughout the cabin, and there is a plethora of soft-touch surfaces. For the ultimate in comfort, the EX-L model is equipped with cozy, heated leather-trimmed seats.
You will be astonished by the Fit's cargo capacity too. The spacious hatch makes it easy to load larger items, like coolers or a bicycle, inside. The Fit also comes standard with Honda's versatile rear Magic Seat. This is more than just your average 60/40 rear seat; the Magic Seat provides a number functional seating and cargo hauling configurations. By folding down the 2nd-row seats, you get up to 52 cu. ft. of cargo capacity - perfect for hauling large, bulky items. Longer items, such as a ladder or paddle board, can be transported by folding the passenger's side front and rear seat. By removing the headrests and folding up the rear seats, you have four feet of vertical space for tall items. You can even fold the front seat back and recline the rear seats for the perfect position if you need a nap.
Plenty Of Pep
The 2018 Fit comes with a nimble chassis and updated suspension, making it even more playful and fun to drive. It is propelled by a 1.5-liter in-line 4-cylinder engine that can be paired to either a manual or CVT. If you choose the manual 6-speed transmission, you can row through the gears with 130 hp and 114 lb-ft of torque while getting an estimated 29 city/36 highway/31 combined MPG*. If you prefer a CVT transmission, you will have 128 hp and 113 lb-ft of torque while getting an estimated 33 city/40 highway/36 combined MPG*. For more spirited fun with the CVT transmission, the Fit is also available with race-inspired paddle shifters on the steering wheel.
Technology And Audio
The Fit has plenty of available features to keep you connected and make your driving experience even better. Every Fit comes standard with a multi-angle rearview camera, remote entry with a security system, Bluetooth connectivity, and a USB port. The audio system, Bluetooth features, voice control functions, and cruise control can all be managed by steering wheel controls, which are also standard on the Fit. Other available features include:
- Premium Audio System - Play music from your favorite source though a full, rich-sounding 180-watt, 6-speaker audio system with an easy-to-use 7-inch touchscreen display. Connectivity includes Apple CarPlay, Android Auto, Bluetooth Streaming Audio, SiriusXM, and HD Radio.
- Honda Satellite-Linked Navigation System with voice recognition
- Smart Entry with push button start - Allows you to unlock and start your vehicle without taking your key out of your pocket or bag.
Keeping You Safe
Honda goes above and beyond to protect you and your passengers. The Fit has the Honda-exclusive ACE (Advanced Compatibility Engineering) body structure that utilizes a network of connected structural elements to distribute frontal crash energy more evenly. The Fit is also available with the latest in Honda's safety technology to help prevent you from being in an accident in the first place. Honda Sensing provides a suite of intelligent drivers assistance features and safety systems as extra protection for you and your passengers. These features include:
- Collision Mitigation Braking System - Provides help with braking the Fit when an otherwise unavoidable collision with another vehicle is detected in front of you.
- Road Departure Mitigation System - A small camera that senses road markers to alert you if you are about to leave the road, and it can take action to help prevent you from doing so.
- Adaptive Cruise Control with Low-Speed Follow - Helps to maintain a set following distance on the highway so you don't need to manually adjust your speed if the vehicle ahead of you slows.
- Lane-Keeping Assist System - Adjusts the steering to bring you back into the center of your lane if it detects that you are drifting out of your lane without signaling.
Test Drive the Fit Today!
The fun to drive Fit will make you smile as you drive around town. Its functional interior and useful features will make every trip more enjoyable. You can also drive with confidence knowing there is plenty of engineering and technology built-in to keep you safe. Stop into Darling's Honda in Bangor today to find out what makes this small package such a big hit with their owners.
* Based on 2017 EPA mileage ratings. Use for comparison purposes only. Your mileage will vary depending on driving conditions, how you drive and maintain your vehicle, battery-pack age/condition, and other factors.

subset: commoncrawl


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WILMINGTON, NC (WWAY) — You have probably heard about Wave Transit's proposal for bus routes to the beach. But some claims made by Wave and even county commissioners in support of the plan may be a bit misleading.
In 2008 the UNCW Survey Research Laboratory asked 1,300 people various questions about Wave Transit. Two of the questions asked people whether they approved of bus routes to county beaches. But the results of the survey may not tell the whole story.
"We did a survey a couple years ago with UNCW," Eby told WWAY in July. "It was a scientific survey. Eighty-seven percent of folks wanted to see service to the beaches."
But if you take a closer look at the survey results, that claim is not all it's cracked up to be.
"It's simply not true," blogger and government watchdog Chad O'Shields said. "The community support is not there."
According to Wave documents, about 1,300 people took the survey, but only 150 responded to the question about the bus routes to beaches, and 130 of those wanted the service.
"To try and say that 130 people some how represent and community of 200,000 is intellectually dishonest at best," O'Shields said.
New Hanover County resident Tony Mason agrees.
"For anyone who has been to high school or college, that's an insignificant base to form an opinion on anything," Mason said.
Eby has used the 87 percent figure in presentations to county and beach town leaders asking for a seven-dollar tax per car registered in New Hanover County to pay for the beach routes.
New Hanover County Commission Chair Jonathan Barfield used the statistic as well. He says he trusted the information that Eby gave him. After looking at the survey results, Barfield admits he was misinformed.
"I don't think it's exactly accurate at all," Barfield said. "And I will tell you from what I've heard from the public with the e-mails and the phone calls myself and other commissioners received as well as the beach communities is that at this point in time, bus service to the beaches is not what the public wants."
We spoke with Eby on the phone today. He admitted that the figure represents just 87 percent of people who answered the question. We asked if we could sit down and talk about it, but he said he was too busy with meetings.


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Here's a post about one of our favourite pastimes these days. About 2 months ago, we started having weekly "poet-tea" sessions. The intention was simply to have time to read and appreciate poetry together, something we have increasing forgotten to do in the rush to complete our work assignments everyday. And it has become a time the children really look forward to every week.
Our children LOVE poetry. They read it, they memorise it, they recite it unbidden, they do copywork from it, and they love it. We have been reading poetry to them since they were young. Not just the nursery rhyme sort, though that too. I myself have always enjoyed poetry, though I have to say that having to "study" it in literature robbed me of some of that joy. So we don't do any "teaching" from poetry. I want our children to simply enjoy it.
Poet-tea essentials – A good book of poetry, and a fine cup of tea!
There are many things about poetry which you don't always get in prose. Rhyme, rhythm, appreciation of the "melody" of the English language, and extensive vocabularly. You see, with the limitations imposed in a poem – needing to complete a thought in a definite number of syllables, having to find something which rhymes with something else – the poet uses the language in a way the prose writer does not. So poetry is a necessary complement to reading prose.
I remember years ago, when Alethea was but 6, I was reading to her and we came across the word "belfry". I paused to offer an explanation, but none was needed. "I know Mom. It's a bell tower." How did she know? She had read the phrase "bats in the belfry" in a poem and understood the meaning in context. To this day neither of us can remember which poem though. 🙂
Also for the young child, poems which rhyme are easy to commit to memory, and that helps in language acquisition and retention. And memorising poetry is a joy and beneficial at any age.
When asked to pick something to perform at our homeschool group's school year-end concert in June, all our children asked to recite poetry, and Alethea and Timothy did one together from Joyful Noise: Poetry for Two Voices (which btw is a really delightful collection).
Our poetry books. I thought this was all, but after I took the photo, I discovered more!
I get asked this a lot. I think it is because many of us have been "scarred" by our literature teachers who made reading poetry a bit of a chore. The reality is much simpler. Pick up a book of poetry, find a poem (or just read them in sequence), and just read!
You don't have to expound on it. You don't have to look up definitions (unless you really want to). You don't even have to pretend to LIKE all of them. Or understand them all for that matter. There are many times when I will look up after reading a poem, and find all the children staring blankly at me. I'll shrug, say I didn't understand it either, then we'll pick another poem to read. Just move on.
You don't have to read many poems. We used to read a poem a day from a predetermined selection. One selection for each child. If the kids liked it, we would read it again. And again if they asked. It took us no more than 5 to 10 mins to get through the various readings for all three children.
We have an extensive collection of poetry books. But looking at the lot, here are the ones I would recommend if you are just starting out and want to make a few key investments:
Favorite Poems Old and New selected by Helen Farris – if you only own one poetry book, this has to be it! No coloured pictures though.
A Child's Book of Poems illustrated by Gyo Fujikawa – this is a fabulous value-for-money volume. Under 10 US dollars and in hardcover, this is a collection of wonderful and famous classic poems.
A Family of Poems selected by Caroline Kennedy (yes THAT Kennedy) – another collection of classic poems, but this one is beautifully illustrated by Jon J. Muth.
If you feel you need some guidance with definitions of key words and some biographic background on the poets, you will certainly want to check out the Poetry for Young People collections by Sterling Publishing. We have a few of their collections by poet – featuring 30 poems (I assume more famous) poems by each poet. They have a 200+ page collection featuring a number of poets which seems like a good buy, but which I don't (yet) own: A Treasury of Poetry for Young People selected by Frances Schoonmaker, et al.
For the very young, I highly recommend Eloise Wilkin's Poems to Read to the Very Young. It comes in board book format, which is perfect for the littles. I'm reading this now with Daniel, and the three older ones have memorised quite a few of the poems from this selection in their day. 🙂
Another way to read poetry is by poet. This is the method favoured by Charlotte Mason practitioners, so that the child has a deeper appreciation for poems by particular poets. If this appeals to you, good poets to start with are Robert Louis Stevenson (A Child's Garden of Verses), Emily Dickenson, A.A. Milne (of Winnie-the-Pooh fame), etc. If you go to www.amblesideonline.org, you will find recommendations of poets and poems for the various years of study. All for free! This way too you will not have to try to figure out yourself when it will be appropriate to introduce what.
Back to our Poet-Tea sessions. Here's what we do. We wait till Daniel has gone for his nap 🙂 … then we bring out our good Narumi china teacups which we reserve for just this tea session. We put sugar cubes in a bowl and milk in a jug. We make REAL tea. Yes, with all that caffine! We bring out chips and dip, or maple cookies, or something fancier than the usual afternoon snack.
One evening, after our tea session was over, I left the kids to come back into the house to prepare dinner. But to my delight, the kids stayed outside and continued reading to each other!
We each bring a poetry book to the table (the kids pick their own. I am reading through Favorite Poems Old and New for now) and we take turns reading poems to each other. Some times we all fall silent while we read ahead in search of another poem to read. And some times we all find a poem at the same time and we fight for a chance to read ours first.
But all in all, we have a great time reading, sharing, laughing. Is it any wonder everyone looks forward to Poet-Tea?
Join us in a cuppa? 🙂


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Birdsale Surname Ancestry Results
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Scattered to the four winds
friendships rekindled….
some things are not meant to be left alone, or broken apart
slowly picking up the pieces of yesterday …and laughing heartily
damn the hairlines that have retreated
hair and beards have much more gray, white, and silver
inside, youth will not be denied
apple-tossing rabble-rousers of yesterday live on
subdued in this latter day and age.
Poetic Fragments06242013©Leonard.C. Gesinski All Rights Reserved(06/24/2013)


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The Dr. Charles H Weingarten program offers a variety of land and water sports for participants to choose from. Each session is designed to help you reach your personal sport and recreation goals. Participants work with staff members and volunteers for a 90-minute session. Activities include: Cycling (handcycles, recumbent tricycles, tandem recumbent, and upright bicycles), kayaking, outrigger canoeing, tennis, pickleball and basketball - court sport wheelchairs are available.
(please note: outrigger canoeing available starting in July). Location: 113 16th street (located behind the brick building at this address) Drop off/pick up only at this address - Parking available at Spaulding Rehab Hospital for $7, or metered parking in the Charlestown Navy Yard
per session
Spaulding Rehab
300 1st Ave.
Charlestown, MA
Thursday, October 17, 2019


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Summertime calls for weekend grilling and rooftop barbecue parties—and chargrilled burgers sandwiched between toasted buns and topped with melted cheese. The only thing better than a juicy American burger are toppings from different corners of the world. To revamp your barbecue basics with new, international flavors, check out the guide below.
Julissa Garcia oversees community outreach at Personal Creations, a personalized gifting website, and is an avid traveler and serious food-lover. She advocates for living a healthy lifestyle of whole foods, exercise, and meditation.
Julissa Garcia


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This plan comes with breakfast.
Regular hotel charge is now up to 45% off.
There is a limitation for the number of room.
Please do not miss this chance.
☆Where 、What ☆
2F Royal Garden Cafe open from 7AM to 10AM.
(You still will be able to enjoy the meal after 10AM if you come by then)
For breakfast, we offer set menus. You may choose at the café from three options,
Western, Japanese and Ricotta pancakes.
This comes with free drinks.
【SIMMONS bed in all rooms】
A trouser press , an air cleaner , a safe , a refrigerator(empty) , a 32inch TV(Single Room ,Double Beded Room) OR a 42inch TV(Twin Beded Room , Triple Beded Room) are in the room .
The photograph is an image.
Check-In 14:00
Check-Out 12:00
◆Room Facilities
Original beds by Simmons Bedding Company/LCD television/Plasmacluster ion generator (single, double)/Plasmacluster air purifier (twin)/Trouser press/Safety box/Modular bathroom/Warm-water bidet-style toilet/Air-conditioning/Pay-broadcasting (Video On Demand)/Hair dryer/Telephone/Alarm clock/Writing desk/Refrigerator/Broadband Internet (Wi-Fi / Wired LAN) in all rooms
◆Amenities Set
Green tea pack/Shampoo/Conditioner/Shaver/Hairbrush/Body soap/Body sponge/Toothbrush set/Cotton pads/Half-size tissue paper
To charge a lodging tax enforced by Tokyo metropolitan government.
You will be charged a lodging tax by regulations of Tokyo.
This is applied to reservations made later than 7/1/2014 and we are asking for you to pay this with hotel charge when you check in.
Indicated hotel charge for one guest is
10.000yen~15.000 yen : 100yen
15.000yen~ : 200yen
Thank you for understanding and cooperation.
|with breakfast
|Check-in / Check-out
|Check in:14:00 Check out:12:00


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Roll up, roll up! Click the link to listen to a stupendous extravaganza of musical wonderment! Come and hear some of the very best new blues and roots around [ plus one oldie! ] – Blues Train continues to bring you playlists that you won't hear anywhere else! This show also features an exclusive phone chat with the wonderful LAURA VANE plus two tracks from the lady herself.
So…click this or open in a new tab…http://fromefm.co.uk/pcasts/media/120923-bluestrain-bluestrain1.mp3
Simon McBride – Heartbreaker [ CD: Crossing The Line ]
Manfred Mann – Sack O' Woe [ The Five Faces Of Manfred Mann ]
Whitney Shay – Let's Do This Thing [ Soul Tonic ]
Funke and the Two Tone Baby – Cecile's Song [ Injustice and Queen EP ]
Navacross – Monkey On My Back [ Navacross ]
Wooden Horse – Hell Ain't Going Home [ What Comes Around ]
Dana Dixon Band – Crazy Maisie [ unreleased ]
Laura Vane and the Vipertones – Just Keeps Smoking [ Sugar Fix ]
*Phone interview with Laura Vane*
Laura Vane and Lee Baker – Look At Me [ unreleased ]
Henrik Frieschlader – With The Flow [ House In The Woods ]
Ben Racine Band – Marauder [ One Of A Kind ]
Next live show: Sunday 7th October www.fromefm.co.uk 6-7pm UK time – hopefully with OLI BROWN on the phone as we build towards the Frome Blues Festival on October 21st.
Blues Train is sponsored by RED DRAGON RECORDS
Thanks for the continued support – please tell all your friends!


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StageDirector supports many file types including text, Rich Text Format (RTF), PDF, MusicXML, HTML, Video (AVI) as well as many common picture files. These formats are supported by standard publishing software including music notation software, word processing, and video editing.
StageDirector is able to edit Text, RTF and PDF files for personalised edits and remarks to prompt you during your performance
StageDirector can also attach audio and video files to items in the database. Video files can be played in synchronisation with your performance title.


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SN 5 | EP 18 | Hope Never Dies
Alex and Charlie try to save teenagers involved in a bus accident.
Available: Hulu, Amazon.com, iTunes Store, YouTube
Surgeon Alex Reid finds herself in a state of shock when her charismatic fiance -- Chief of Surgery Charlie Harris -- ends up in a coma. While she and a surgeon who has just arrived at Toronto's Hope-Zion Hospital work to save Dr. Harris' life, the patient takes leave of his body and begins wandering the hospital in spirit form. Harris ponders the true nature of his experience, while the other doctors in the facility continue to deal with complicated decisions that they face daily within their profession.
Medical, Drama
Erica Durance,
Alex Reid
Michael Shanks,
Charles Harris
Huse Madhavji,
Shahir Hamza


text: NameGREE VIR18HP230V1AO - Vireo 18,000 BTU Wall Mounted Inverter Heat Pump Outdoor UnitBrandGREEProduct SKUVIR18HP230V1AOManufacturer Product NumberVIR18HP230V1AOSKU - PIM Number1414406815928Item ID359823UPC813919020430Unit of MeasureEACHWeight115.0 Pound (lb.)Length15.6 Inches (in)Width37.6 Inches (in)Height27.6 Inches (in)Hazardous MaterialNoEPA Cert RequiredNoCountry of OriginCHNTierVireoEquipment TypeHeat PumpTonnage1 1/2SEER20.0RefrigerantR-410aCooling Capacity18000BTU Output18000Voltage208-230 VACPhaseSingleCycle/Hertz60Minimum Circuit Amps16Maximum Fuse Size25Suction Line Size1/2"Liquid Line Size1/4"ColorWhiteInverter1Sound Level (dBA)55Warranty Offered5/7 All parts are warranted for a period of five (5) years to the original registered end-user with proof of proper installation. The compressor is warranted for a period of seven (7) years to the original registered end-user with proof of proper installation


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New York Heat Wave Continues. No End in Sight. "Double Indemnity" never fails.
I went out early, and it was OK. Like 9-10am. But by one-two, it was already unbearably oppressive. One DOES have to go out to the store, sometimes. But it's best advised to all and sundry. STAY IN.
Did not notice that I had worn white athletic socks, which actually, though the right color for a heat wave of this type, white, they were really tooooo thick to be comfortable. AT ALL.
I returned to remove them as quickly as possible and I noticed just how hot my feet felt! Like OVENS! Wearing a lighter sock would do the trick, I think, and the color isn't important. It's the weight of the sock.
Your feet actually sort of dictate your body heat I've noticed over the years. And walking one long NYC block in this heat wave is dangerous.
But then cabin fever sets in, as there is really no alternative on a Sunday.
How many times this week have I watched "Double Indemnity"??? It's a great film, a masterpiece, and I love it, but now I've even RE-listened to the Special Features TWICE and they are very interesting and well done by Richard Schickel and then a second one by Len Dobbs and a Mr. Redmayne who very well may be Eddie Redmayne's posh film expert father. He sounded a bit like Eddie…
And of course, the film is a masterpiece. And if one is going to watch something over and over again in these trapped situations, it might as well be a masterpiece.
And Fred MacMurray, Edward G. Robinson and Barbara Stanwyck are all at their career best, directed by Billy Wilder.
E.T.A. It was the first of what we now call the Film Noir genre, which I love. It didn't even have a name then. All those Venetian blinds throwing those shadows over everyone and every thing, and you just can't believe that Barbara Stanwyck could be that Fatal – But SHE IS! The Fatelest of Femme Fatales! It's a masterpiece. I could watch it forever. And probably will.


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The Insider: Navigating a Future of Regulatory Uncertainty
Changing regulations, bank shutdowns, record fines, increasing regulatory pressures, decreasing profits, competition and innovation are causing severe stress in the global financial industry.
Sanjeev Chatrath, Managing Director and Region Head of Asia (Financial & Risk) at Thomson Reuters, provides an exclusive insider perspective on navigating a future of regulatory uncertainty.
The Stakes Are Higher Than Ever
"The stakes are higher than ever for senior managers and boards of directors" Sanjeev Chatrath, Managing Director and Region Head, Asia, Financial & Risk, Thomson Reuters wrote in his Expert Talk concluding remarks titled: Navigating a future of Regulatory Uncertainty.
The New Regulatory Future
The world is entering a new era of uncertainty around the future of financial regulation as U.S. President Trump vowed to scale back a number of regulatory initiatives.
Major economies around the world are faced with a host of challenges over the coming years, including geopolitical issues.
Changes in Regulations:
- A revocation or scaling back of the Dodd-Frank Act
- Markets in Financial Instruments Directive (MiFID) 2
- European Union's Fourth Money Laundering Directive (4MLD)
Crackdown on Money Laundering & Corruption
In Asia, a crackdown on money laundering and corruption- related offences in recent years have led to the closure of two banks and the jailing of several financial professionals in Singapore, over regulatory breaches related to the 1MDB investigation.
- Falcon Private Bank Shut Down in Singapore
- EFG International Announces Successful Acquisition of BSI
- Ex-BSI Banker Found Guilty in 1MDB Case
- Swiss Banker is First Foreigner Jailed in Singapore for 1MDB scandal
Trade-based money laundering has also emerged as an area of regulatory attention in the region, which is home to a significant proportion of the world's shipping sector.
Meanwhile, mutual evaluations by the Financial Action Task Force (FATF) have shown a number of money laundering deficiencies that need addressing in regional AML regimes.
Reacting to Political Changes
Geopolitics look set to threaten to disrupt markets in the years ahead. With the United Kingdom having triggered Article 50 for a withdrawal from the European Union, markets are set for several years of tense negotiations over the terms of the withdrawal.
Some banks have already set into motion plans to move staff from London to other European financial centres as a result. The diplomatic tension over North Korea also threatens to hang over markets.
Thomson Reuters ASEAN Regulatory Summit May 2017
Click to View Photos or View Exclusive Photos from the Thomson Reuters ASEAN Regulatory Summit May 2017 in Singapore
On 9th May 2017, Thomson Reuters held The ASEAN Regulatory Summit for compliance and risk professionals in ASEAN. More than 650 senior risk and compliance professionals attended the by-invitation only event from across banks, financial institutions, regulators, exchanges, and industry bodies.
New Challenges in Innovation & Competition
The financial sector also faces another challenge – that of innovation and competition resulting from rapid advances in financial and regulatory technology. Financial institutions that are not nimble and able to keep up with offerings in the fintech sector risk being at a competitive disadvantage in the fight for market share.
New Technologies
The rapid rise of FinTech in recent years has spurred a number of specialty sectors, including RegTech, InsurTech or EdTech. What they all have in common is a desire to improve processes and customer experiences through modern technological solutions.
- RegTech (Regulation Technology)
- InsurTech (Insurance Technology)
- EdTech (Education Technology)
For the regulatory compliance sector, RegTech offers to increase efficiency and reduce costs, since many banks hired compliance officers in huge numbers after the financial crisis.
RegTech Developments
RegTech could replace and improve execution of many labour- intensive tasks, such as streamlining the know-your-customer (KYC) process through the use of shared KYC utilities.
Regulators have in recent years began looking actively at how such utilities – in which institutions share their informtion on a common platform – could improve the efficiency of the onboarding process and improve customer satisfaction.
Another technology that has already started to improve bank efficiency is blockchain, which looks set to be used in a growing number of financial technology solutions in the years ahead.
Banks will still face the challenge of modernizing legacy systems to work with the new technology and to find more suitable tasks for employees replaced by technology.
Regulators have welcomed RegTech, with several jurisdictions actively seeking to become the regional hub for FinTech companies. While it has already dampened hiring in the once- hot recruitment market for the compliance sector, banks should still tread cautiously as any large reduction of headcount in risk and compliance functions will invite closer scrutiny from regulators.
Security Threat
Technology can also pose a threat, as banks have continued to see over the past years. Cyber attacks are on the rise, and as banks become more wise to methods of attack, so too do the attackers. Employees are in most circumstances the weakest point in a company's cyber defence, and firms should ensure they match their cyber defence with an equal effort in staff training.
Culture & Conduct
Regulators continue to remain focused on culture and conduct at financial firms, an issue that spans a wide gamut of banks' activities.
Following the introduction of the UK Senior Managers Regime a few years ago, Hong Kong's Securities and Futures Commission (SFC) has this year introduced a similar regime, requiring firms to map out key functions and hold individuals responsible for the firm's conduct.
Regulators in Asia are also expected to head down this road over the coming years, partly due to the increasingly international nature of many incidents.
Indeed, the increasingly international nature of markets and misconduct has in some cases triggered global responses, such as the FX Code of Conduct and the effort by the Basel Committee on Banking Supervision (BCBS) and the Financial Stability Board (FSB) to ensure banking systems remain sound.
This year will see more developments on banks' capital calculations under the Fundamental Review of the Trading Book (FRTB) and also new requirements for the reporting and clearing of over-the-counter (OTC) derivatives.
Actionable Intelligence
In such an uncertain regulatory environment, the need for actionable regulatory intelligence is stronger than ever, as risk and compliance departments struggle to keep up.
Thomson Reuters tracks regulators and exchanges across the world. In 2016:
- More than 52,506 regulatory alerts
- An average of more than 201 regulatory changes per day
Adding to the complexity, many of the regulatory changes from EU and U.S. regulators will involve some degree of extraterritorial impact, thereby affecting financial institutions in Asia.
Firms will ultimately require up-to-date risk management systems to stay abreast of constant regulatory changes and the risks they address. Regulators have encouraged banks to take a risk-based approach to their business, rather than one based on "tick-box" compliance with rules.
With heightened expectations and responsibility placed on senior managers and boards of directors by regulators, navigating this complex environment remains challenging and the stakes are higher than ever.
The article is edited by Caproasia Online Editorial Team. The original content was written by Sanjeev Chatrath, Managing Director and Region Head, Asia, Financial & Risk, Thomson Reuters: Navigating a Future of Regulatory Uncertainty.
About Sanjeev Chatrath
Sanjeev Chatrath is the Region Head and Managing Director of Financial & Risk, Thomson Reuters – covering Asia Pacific and Japan. He is responsible for client business in the region encompassing end to end client experience, account management, market development, Go to Market regional strategy, sales, operations, and technical functions. Sanjeev is a member of the Global Operating Committee for Thomson Reuters, and F&R.
Sanjeev has worked in Asian financial markets for over 20 years in leadership roles encompassing business management, client management and sales, spanning Asia Pacific, South Asia and Middle East.
Prior to joining Thomson Reuters, Sanjeev worked with Citigroup where he was Chief Operating Officer and Region Head of Client Sales Management for the Treasury and Trade solutions business. Before joining Citi, Sanjeev held senior management positions with ABN Amro Bank, and Standard Chartered Bank based in Singapore, UAE and India.
Sanjeev is a member of the Board of Governors of American Chamber of Commerce Hong Kong, Board Member of ASIFMA (Asia Securities Industry and Financial Markets Association), and a member of 30% Club supporting gender diversity in Hong Kong boards.


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I am trying to set time of day access rules for individual devices on the Arcadyan Gen 2 modem but the parental controls wont seem to let me set two different rules for the same mac address. So I cant for example set access until 10pm on school nights and midnight on weekends for the same device. The error message I get is "This entry has been in list" which doesn't make much sense but I think it means you already have a rule for this mac address so you can't add another. I could do multiple rules for same device with my Technicolor Gen 2 modem but it developed a fault and had to be replaced and I now have the Arcadyan. Anyone got any ideas?? Cheers...
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This is a limitation of the Arcadian modem and there is no work around.
Hopefully if enough people raise this as a fault with Telstra, Telstra might include support for creating more than one time of day rule in a future update.
I have been trying to do the same thing with the parental controls on the Arcadyan. I have resolved that it does not do what I want and I will try to connect my old DODO router/modem which enabled me to set these specific parental controls.
Question is could you please help me connect these two devices so that I don't lose the ability to have 4G backup and my home telephone? I have read on other threads that I'm required to bridge these devices but I'm not sure how. Any assistance would be most appreciated.
If you wish to keep the phone and 4G backup connect the Dodo modem's WAN port to a LAN port of the Telstra modem. Place Dodo modem in DMZ of the Telstra modem (Advanced > Firewall > Firewall DMZ) Make sure the LAN address range of DoDo modem is not the same as Telstra modem (192.168.0.xx) If the same change either the LAN address range of Dodo or Telstra modem so that they are not the same. If you use a dynamic DNS service sett up the service on Telstra modem only.
Thanks cf4 for your reply. I have made the cable connections as mentioned above and set the ip address of the dodo modem to 192.168.1.3 (telstra modem 192.168.0.1). I activated the DMZ on the telstra modem. however when i add the destination ip of 192.168.1.3 it says its invalid. I'm not familiar with setting up DMZ sorry.
To place the Dodo modem in the DMZ of Telstra modem use the LAN IP address of Telstra Modem that Dodo modem is connected to. It will be same as WAN IP address of Dodo Modem. You can find the IP address by going to Advanced > Local Network > Devices on the Telstra modem's GUI.
Ok great that fixed the destination ip and its saved. So now do I connect the home devices to the Dodo modem in order to establish parental controls?
Yes turn WiFi off on Telstra modem and connect all devices to Dodo modem.
cf4 thank you so much! I'm up and running and can now happily set parental controls that are more specific and flexible for the household devices than the ones on the Telstra smart modem Gen 2.
Plug in and connect in minutes. Smart.Find out more


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New Honda
W+K has just launched a new spot for Honda. As per usual, the work is very good and the concept is getting a ton of coverage across Europe. What I've always loved about the Honda work is that they think big. With an positioning about the Power of Dreams, you pretty much have too.


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I've never known any trouble that an hour's reading didn't assuage. Charles De Secondat (1689 - 1755)
Monday, May 5, 2008
Is it better to be correct or like everyone else?
Everyone has his or her own pet peeves about the English language. Some dont' have any at all. I've written about this before, and I'm sure the subject will come up again. Today's pet peeve is something I happened upon while surfing the Internet. This site states the word origin and pronunciation of the word "sherbet". I've never pronounced the "r" to make it "sherbert". I don't know why. It always bothered me when people did it when clearly there is no second "r" in the spelling. Beyond this example, I despise it when it becomes acceptable English when people mangle a language rule long enough that it just becomes the rule. I mean, what's the point of having grammar when, if we wait long enough, the rule will become obsolete if enough people ignore it?
That said, I will continue to create my own words and make words that are commonly nouns into verbs. I will occasionally, if I can't help it, end my sentences with prepositions. However, I will stick to my guns and never use shorthand or slang when text messaging. I will never use a number instead of an actual word. And I will never, never say the word "sherbert".
Posted by princessapr at 2:09 PM
Labels: pet peeves, random, rant
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Meeting Aquaculture Center Students
State Representative Steve Stafstrom recently visited with students at the Bridgeport Regional Aquaculture Science & Technology Education Center. The Aquaculture Center serves a community of diverse students with a broad range of social, economic, cultural and ethnic backgrounds who bring to the school a variety of skills, talents and learning styles. The Center offers students from school systems in the greater Bridgeport region the opportunity to enhance the traditional academic high school curriculum with a specialized emphasis on science and technology instruction as related to the development of aquaculture in the State of Connecticut.
Rep. Stafstrom, who serves on the General Assembly's Environment Committee, shared his experience on the committee, explained the legislative oversight of the committee, and answered questions from students on a number of environmental issues including his support of legislation concerning Microbeads and Long Island Sound Blue Plan.
Rep. Stafstrom praised the students and encouraged them as they pursue their interests in a unique educational program that is innovative and emphasizes high academic standards.
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At the heart of our work is the community we serve. Bound by our robust constitution and compliance to the strict registration requirements for both an NPO and a PBO (section 18A) ensures we are accountable to the funders, employees, volunteers and directors of The Spring Foundation.
Good governance does not end with the legal registration of an organisation, or with the successful application for tax exemption. This is just the first step in establishing an organisation that will grow and thrive into the future.
We combine strong leadership and business practices as well as monitor all projects measuring inputs, outputs and outcomes to ensure they maintain their vision, and are accountable for their project deliverables.


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Cmde B B Nagpal Assumes charge as CMD, GSL NEW FACES IN PSUS
Posted Date : 29-11-18
Categories : NEW FACES IN PSUS
Categories : NEW FACES IN PSUS
Kolkata: Shri. P.V.K.R.Mallikarjuna Rao assumed charge as Director -Personnel, Bharat Coking Coal Limited. He joined CIL as a Welfare Officer in 1987 at WCL & worked at various CIL companies in various capacities.He was GM-Personnel at CILHq before joining as Director - Personnel at BCCL.
Posted Date : 05-06-20
New Delhi: Shri Virendra Nath Datt, Director (Marketing), NFL has taken over the additional charge of Chairman & Managing Director of the Company. Shri Datt is associated with Company as Director (Marketing) since October 2018.
An MBA from Maharshi Dayanand University, Shri Datt has a rich pr
Posted Date : 03-06-20
New Delhi: Shri A.K. Choudhary takes over as Managing Director of CVPPPL (A Joint Venture Company among NHPC, JKSPDC and PTC). Shri Arun Kumar Choudhary, has assumed the charge of Managing Director, CVPPPL (A Joint Venture Company among NHPC, JKSPDC and PTC). He was holding the post of Executive
Posted Date : 02-06-20
Singrauli: Shri. Ram Narayan Dubey assumed the charge as Director (Finance) of Northern Coalfields Limited (NCL) on Monday. With a rich experience of more than 32 years, Shri Dubey was working as General Manager (Finance) at the headquarters of Coal India Limited before assuming the charge.
Posted Date : 02-06-20
New Delhi: Shri Ajoy Choudhury has taken over as Director (Finance), REC Ltd. He was holdoing the position of presently Executive Director (Finance), REC. As per a regulatory filing this effect from June 1, 2020 till the date of his superannuation i.e. January 31, 2024 or until further order.
Posted Date : 02-06-20
New Delhi: Shri AK Srivastava, has assumed charge on Monday (1st June, 2020) as Director (Defence Business) and nominated as member of the Board of BEML Limited, Schedule 'A' Company, under Ministry of Defence, GoI. Prior to this elevation, he was Chief General Manger, BEML Defence (Marke
Posted Date : 01-06-20
New Delhi: Shri Pankaj Kumar Goswami takes over as Director (Operations) of Oil India Limited.
Posted Date : 01-06-20
New Delhi: Power Finance Corporation (PFC), today announced the appointment of Shri Ravinder Singh Dhillon as its Chairman and Managing Director. Shri R.S. Dhillon assumed the charge of the post of Chairman & Managing Director, PFC w.e.f 01st June 2020 upon the superannuation of Shri Rajiv Sharma
Posted Date : 01-06-20
New Delhi: Shri A. K. Bhatnagar , Director ,Energy , CBIP & Former Executive Director , NTPC has been given additional charge of Director ,Power, Shri P. P. Wahi. The extended term of Shri Wahi has been completed.
Posted Date : 01-06-20
New Delhi: The additional charge of Secretary , Central Board of Irrigation and Power has been assigned to Shri G. P. Patel , Director ( Water Resources) , CBIP . The extended term of present Secretary , Shri V.K. Kanjila is over.
Posted Date : 01-06-20
New Delhi: Shri Padmanabhan Raja Jaishankar, Executive Director (ED), National Housing Bank (NHB) has been appointed as Managing Director (MD), India Infrastructure Finance Company Limited for a period of 3 years.
Mr. Jaishankar brings with him a rich experience of over 32 years in Dev
Posted Date : 30-05-20
New Delhi: Shri Anil Kumar Pandey, ED (Gadarwara), NTPC has transferred and posted to WR-I HQ, Mumbai as RED (West-I) Shri Chepuru Venkata Anand, RED(West-I), NTPC has beeen transferred and posted to SR-HQ, Hyderabad as RED(South) and shall continue to report to CMD.
Shri Debashis Sen, ED,Vin
Posted Date : 30-05-20
Shimla: Govt of India has clear the appointment of Shri Sushil Sharma, General Manager , SJVN as Director (Electrical) of SJVN Limited. . Govt has also cleared the following appointment in CPSE's.
1. Shri Hemant Khatri, Director , HSL as Chairman & Managing Director (CMD) of Hindustan Shi
Posted Date : 28-05-20
New Delhi: Power Grid Corporation Director (operations) , Ms Seema Gupta has assumed additional charge of as Director (finance) of the company for a period of three months , till the appointment of regular incumbent of the post, or until further orders, whichever is the earliest," a company st
Posted Date : 15-05-20
New Delhi: Shri K. Vinayak Rao, Indian Railways Accounts Service (IRAS) officer of 1987 batch has taken over the charge of Member (Finance) from 13th May, 2020 on the Board of the Airports Authority of India. Prior to this appointment, Shri Rao was serving as Member (Finance) in Delhi Development
Posted Date : 13-05-20
New Delhi: Indu Shekhar Chaturvedi has assumed charge as Secretary in the Ministry of New and Renewable Energy (MNRE), the ministry said on Monday. Chaturvedi is a 1987 batch IAS officer and belongs to Jharkhand cadre.
"Indu Shekhar Chaturvedi (IAS) today assumed charge as new Secretary, Mi
Posted Date : 12-05-20
New Delhi: CMD of Gail India Limited (GAIL), Shri Manoj Jain has been assigned the additional Charge of Chairman Mahanagar Gas Limited. GAIL is the promoter company for the Mahanagar Gas Limited. Till now Dr Ashutosh Karnatak, was holding the position of Chairman and Non-Executive Director of th
Posted Date : 08-05-20
New Delhi: Shri Sanjeeb Kumar has taken over as Director ( Finance) Rail Vikas Nigam Ltd. (RVNL), yesterday . presently he was holding the position of Acting Director (Finance) in Rail Tel Corporation of India Limited and IRCTC.
Posted Date : 07-05-20
New Delhi: Shri Pradip Kumar Das assumed charge as new Chairman & Managing Director (CMD) of Indian Renewable Energy Development Agency Ltd. (IREDA) on 6th May 2020. Prior to joining IREDA, he was serving Indian Tourism Development Corporation Ltd. (ITDC) as Director (Finance) and Chief Finance
Posted Date : 06-05-20
Nagpur: Dr. Ranjit Rath, CMD, MECL has took the additional charge Director General of Geological Survey of India, from 1st May, 2020. Information Update MECL
Posted Date : 05-05-20


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Youth Wheel Thrown Bowl Workshop - Morning and Afternoon Time Slots!
Venue: The Bascom Dave Drake Studio Barn
The Bascom: A Center For The Visual Arts is located in Highlands, North Carolina. The Bascom focuses on providing excellent free admission exhibitions; a robust education department with art classes for people of all ages; and an expansive outreach program consisting of numerous partnerships with local nonprofit organizations. For more information about The Bascom, please visit www.thebascom.org or call 828-526-4949. Visit us in person at 323 Franklin Road, Highlands, NC. The Bascom is just across the covered bridge!
All Dates
- Wednesday, February 20, 2019 10:00 AM
- Wednesday, February 13, 2019 10:00 AM
- Wednesday, February 06, 2019 10:00 AM


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Go see her blog. She's incredibly talented!
Sunday, July 31, 2011
Blog Candy Over at The Daily Marker
Posted by Toni K at 11:48 AM 0 comments
I'm on Etsy!
As you can see by the app to the right, I am now on Etsy! I have soooo many cards that I have loved creating, and I thought I'd share them :) There are many more to add, as well as some other pieces I have made. So go check it out!
My Etsy
My Etsy
Posted by Toni K at 10:41 AM 0 comments
Labels: Etsy
Saturday, July 30, 2011
The Best Is Yet To Be
I've been painting a little this week, so I haven't made cards :0. Imagine the horror!
So I had to get in there and fix that.
I used Cosmo Cricket's Circa 1934 and black cardstock. The sentiment is Unity, from the February, 2011 Kit of the Month.
This is for the Unity Friends with Flair. Stop by and see some great inspiration!
This is for the Unity Friends with Flair. Stop by and see some great inspiration!
Thanks for stopping by. I appreciate you taking the time to pop in and see what I'm up to ;)
Have a great weekend!
Posted by Toni K at 12:52 AM 9 comments
Labels: Cosmo Cricket, Unity Stamps
Wednesday, July 27, 2011
Just a Little Canvas
Another attack of insomnia, and this was the result :) This midlife stuff is pretty bad for the body, but great for my creative juices. Wait until you see last night's creation!
This is a 6 x 6 canvas from Dick Blick. A nice size for a little middle of the night creativity.
I painted the background all kinds of bright summer colors, then painted over the colors with light blue and white. You can still see shades of the other colors underneath. It makes for some nice texture.
I stamped the bicycle from Unity with gray ink, then painted over it. I did the same with the flowers and the sun. The sentiment is stamped in Black Staz On.
The highlights are done using the Sharpie paint marker.
I don't have any particular plan for this little canvas. For now it just sits on my table and makes me happy ;)
I will link this up to All Things Unity Challenge #36, Summer Feeling.
Thanks for stopping by :)
Have a fantastic day!
Posted by Toni K at 3:08 PM 6 comments
Labels: acrylic paint, All Things Unity, canvas, Unity Stamps
Tuesday, July 26, 2011
Bike and Flowers
This is a beautiful Melody Ross stamp by Unity! The sketch is the CPS Sketch #228.
I inked the stamp up with Stampin' Up markers. It stamps such a great image! The inking of the stamp was a little off in some spots, but that's ok :)
I added some yellow flock to the flower centers. Love flock, and I don't know why I don't use it more.
Paper is Basic Grey.
I added a piece of cotton lace around the one end.
I stacked two buttons on the bow. I couldn't find the right shade of twine, or small button, so I colored them both with Copics.
Thanks for stopping by :)
Have a great week!
Posted by Toni K at 10:30 AM 7 comments
Labels: Copics, Melody Ross, Stampin' Up, Unity Stamps
Saturday, July 23, 2011
My Unity Place Challenge
Today I want to tell all Unity lovers about a great place to gather and learn and share!
My Unity Place is awesome! There are Unity Challenges and lots of pictures and videos! I think it's sometimes a forgotten resource, but go there now!
This card was made with the current card challenge, one designer paper, one ribbon, one button. I thought it would be plain, but it's so not! Since I had this dragonfly out from yesterday I thought I'd use it again. It's such a pretty image :)
I stamped the image with SU Basic Brown. I know it's not on any list to use with Copics, but it never runs for me. I colored with Copics, then colored over it with Copic Spicas.
the die cut is from a Nestability. While it was still in the frame I sponged it very lightly with Old Paper Distress Ink, then traced the inside of the die with a Spica. So pretty :)
Thanks for stopping by ;) I really appreciate it! Really I do!
Have a great day!
Posted by Toni K at 1:07 PM 5 comments
Labels: Copics, My Unity Place, Nestabilities, Tim Holtz, Unity Stamps
Friday, July 22, 2011
Unity Circles Challenge
My first thought for this card was the Unity Blog Challenge; Circles, Circles, Circles and Friday Friends With Flair!
I knew I wanted a round card, and I knew I wanted black and white. The teal was a happy discovery when my three year old grandson was "helping" me pick colors :)
The dragonfly was chosen by him too! That may be due to him being terrified of a real one at the beach last week ;)
The dragonfly is from the Unity Store Kit, Bold Insight. The dragonfly is colored with Copics (BG10, BG13, BG15, and BG18), then I went over it with Copic Spicas in Buttermilk, Gold, and Clear.
The script on the circle beneath the dragonfly is from Unity's December, 2009 Kit of the Month. It's a big rectangle, but I punched a circle out of it.
I'm entering this in the Play Date Cafe's challenge 91, Just a Splash. You are to use black and white and just a splash of one other color of your choice. There's still plenty of time to play!
I'm also linking up to All Things Unity Challenge 35, Wrap It Up, using twine and ribbon.
Thank you so much for stopping by. I appreciate it so much! And if you leave a comment I will stop by your blog and leave some love too ;) I would love to see your creations!!!
Have an awesome weekend!
Posted by Toni K at 9:12 PM 20 comments
Labels: All Things Unity, Copics, Play Date Cafe, Prima, Stampin' Up, Unity Stamps
Wednesday, July 20, 2011
Soft & Sweet Mojo
I liked Mojo Monday's 200th sketch so much that I made another card using the sketch. This one is a big departure from my last card.
I've had this Glitz paper hanging around for awhile, and I finally decided to use it. I'm trying to use up the oodles of paper I have sitting around. I'm sure some of you can relate ;)
I found some cotton lace I wanted to use to make a flower. Luscious stuff ;) I used these tealy Primas I thought I'd never use for the middle with the rose in the very center. The ribbon is made from seam binding dyed with Vintage Pink Glimmer Mist. Such a pretty color.
The sentiment is Unity.
I even decorated the inside a little.
Thank you for stopping by. I appreciate each and every one of you :) Leave a comment so I can stop by your blog and leave a little blog love for you too!
Have an awesome day!
ETA: Sorry, I forgot to add this to All Thing's Unity's Challenge #35, Wrap it Up.
ETA: Sorry, I forgot to add this to All Thing's Unity's Challenge #35, Wrap it Up.
Posted by Toni K at 6:55 PM 7 comments
Labels: Glitz, Nestabilities, Prima, Stampin' Up, Unity Stamps
Tuesday, July 19, 2011
Happy 200th Mojo Monday!
Mojo Monday is celebrating their 200th Sketch! And to celebrate, they have prizes this week! Every week they have an awesome sketch to get you motivated and inspired. Although I don't always get to it, I always look for it every Monday morning.
My card is based on this week's sketch. Fun stuff, eh!
I used Copics to color the little silver Airstream from Unity Stamps (believe it or not, we actually lived in one of these for a short time while I was very young). I've never colored silver before, but I've seen some fantastic coloring of silver pails and such. I didn't think to look at a pic of a trailer before coloring it (duh), but I did after and saw I didn't do too bad ;) Of course it's not supposed to look completely realistic. I mean come on, it has hearts on the side :)
I had never used this stamp, ever! I love it, and always have, but never inked it up. Crazy.
I paired the image and sentiment up with Cosmo Cricket Mr. Campy paper. I am trying hard to use up more paper that has been sitting here and not being shared.
Thank you so much for stopping by! I appreciate you taking the time out of your busy day.
Have a fantastic day!
Paper: Cosmo Cricket Mr. Campy
Cardstock: Copic Xpress-It, Stampin' Up Crumb Cake
Ink: Momento Tuxedo Black, Tim Holtz Old Paper Distress Ink
Accessories: Vintage Fibers
Posted by Toni K at 9:37 AM 6 comments
Labels: Copics, Cosmo Cricket, Tim Holtz, Unity Stamps
Monday, July 18, 2011
Card Patterns 124
You know how I love sketch challenges ;) Card Patterns has a great one this week, pictured below!
A great combination of Sassafras Lass' Indie Girl, Unity Stamp, and some lace, rose ribbon, and pearls make for a sweet soft card.
The Unity stamp I used is from the March, 2010 Kit of the Month, Rockin' It Unity Style. The sentiment is die cut from a Papertrey Ink die, and sponged around the edge.
I kept the trims soft too. The rosebud ribbon is petite and adorable. The diamonds on the right end are cut from the smallest Nestability in the Labels 3 set. I sponged them while they were still in the die.
I kept the trims soft too. The rosebud ribbon is petite and adorable. The diamonds on the right end are cut from the smallest Nestability in the Labels 3 set. I sponged them while they were still in the die.
I even did the inside! I rarely do that ;)
Thanks for stopping by. I really appreciate your time.
Have a fantastic day!
Cardstock: Stampin' Up Marina Mist, Confetti White
Paper: Sassafras Lass Indie Girl
Ink: Momento Tuxedo Black, Tim Holtz Old Paper Distress Ink
Accessories: Pearls - e line by Prima, Lace - Stampin' Up, Rose ribbon - unknown (sorry)
Tools: Punch - Martha Stewart, Dies - Papertrey Ink Fillable Frames #8, Nestabilities Labels 3
Posted by Toni K at 8:03 PM 5 comments
Labels: Card Patterns, Martha Stewart, Nestabilities, Prima, Sassafras, Stampin' Up, Tim Holtz, Unity Stamps
Be Nice
I made this canvas for my entryway, for various reasons ;)
I love it! I had seen signs with this saying on it lately, and I knew it was perfect for us :)
To start with, I Mod Podged a piece of an old pattern on the canvas. I brushed a little cream paint over it, but only enough so you can still see some of the lettering on the pattern. For the next part, I traced the awesome Cosmo Cricket Blackboard "Sweet Mix" chipboard letters (that I may never use because I love them so much!) onto clear Contact paper. I think I'll just trace them forever!
I cut them out by hand (this is where one of those nifty Cricut's would come in handy). Then I lined them up on the canvas and painted it. I used a crumpled up paper to blot some of the paint off. I wanted it to look old. Yes, that was on purpose :)
When the paint was dry I peeled the letters off, and was sooo excited! There was paint that seeped under the letters, so I just touched it up a little. The I outlined it with a black pen, and added a sloppy little shadow for some dimension. Love it!
I cut them out by hand (this is where one of those nifty Cricut's would come in handy). Then I lined them up on the canvas and painted it. I used a crumpled up paper to blot some of the paint off. I wanted it to look old. Yes, that was on purpose :)
When the paint was dry I peeled the letters off, and was sooo excited! There was paint that seeped under the letters, so I just touched it up a little. The I outlined it with a black pen, and added a sloppy little shadow for some dimension. Love it!
I may sand it a little yet. I'm not so sure. If I do I will post an updated pic.
Thanks for stopping by! I appreciate it :)
Have a glorious day!
Posted by Toni K at 4:50 PM 2 comments
Labels: acrylic paint, canvas, Cosmo Cricket, Mod Podge
Friday, July 15, 2011
Friends With Flair Flowers
It's Friends With Flair Friday! Yay!
Here's my card, with my favorite stamp right now, Beautiful Disaster. I think I need to lay off it for a while now ;)
The flowers are what I was really excited about though. They're made of white crepe paper! I know! Crazy huh! I inked the crepe paper up with a combo of Distress Inks and Copics. Fun stuff!
I'm linking this up to the All Things Unity Challenge (Thanks Sav!) to use Twine, Ribbon, Burlap, etc. along with Unity Stamps. I used the crochet thread at the top, but I hope the crepe paper will count too.
Thanks for stopping by! I really appreciate you taking the time to visit!
Have an awesome weekend everyone!
Paper: Pink Paislee 365 Degrees
Cardstock: Stampin' Up Whisper White
Stamp: Unity Beautiful Disaster
Ink: Tim Holtz Spiced Marmalade, Old Paper, Mustard Seed Distress Ink
Markers: Copic
Dies: Nestabilities
Buttons: Various from collection
Additional Embellishments: Doily, Crochet Thread, White Crepe Paper
Posted by Toni K at 11:02 PM 9 comments
Labels: Kraftin' Kimmie Stamps, Pink Paislee
A Little Mini
Hello all, and Happy Friday!
That means it's the last day to enter for a chance to be on the design team for Pumpkin Spice ;)
I made the front and back cover for a mini album I'm creating.
The cover for the album is from Teresa Collins. It was made for the Bind It All, but I decided on ribbon instead.
The papers I used are from my two Favorite paper lines; Crate Paper's "Restoration Collection" and Echo Park's "For the Record." They worked well together too.
Now for some of the How-To's.
I traced the covers onto the papers and cut them out by hand. I glued the papers to the covers with Mod Podge and sanded the edges, then sponged ink on the edges.
The crochet flowers were white and dyed with re-inkers and water. It's great when you can't find just the right color to be able to dye what you have.
All of the stamps I used are of course Unity ;)
I used a lot of Nestabilites for the sentiments and frames for pictures.
These two pages are ready for pictures. There is room under the top left corner of the sentiment panel for a picture to slide in.
I can't wait to slide some pics in here. I'm going to add pages as I go along.
Thank you for stopping by! Have a great weekend :)
Supply List
Paper: Crate Paper "Restoration," Echo Park "For the Record"
Cardstock: Stampin' Up White Confetti
Stamps: Unity December, 2010 Kit of the Month, Unity October. 2010 Kit of the Month, Unity January, 2011 Kit of the Month
Dies: Spellbinders Nestabilities: Labels 3, Labels 4, Labels 17, Classic Ovals, Classic Scalloped Ovals
Inks: Momento Tuxedo Black, Stampin' Up Re-inkers – Certainly Celery and Brocade Blue, Tim Holtz Distress Ink – More Mustard, Old Paper, Peeled Paint, Barn Door
Flowers: Crochet - Stampin' Up, Pink Lace - Bo Bunny, Green and Yellow – Prima
Additional Accessories and Tools: Buttons from my collection, Crochet thread from collection, Vintage fibers, Martha Stewart Scallop Punch
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Tonight (Jan. 10), a group of Vancouver's top music acts come together for Sing It Forward, a benefit concert in support of the St. James Music Academy.
An all-star lineup of local artists that includes Hey Ocean!, Shad, We Are The City, Yukon Blonde, Hannah Georgas, C.R. Avery, Aiden Knight and Ryan Guldemond (of Mother Mother) will entertainment the capacity crowd at the Vogue Theatre along with some help from students of SJMA, an organization in Vancouver's Downtown Eastside that offers free, professional-grade music lessons for children in low-income families.
"There are really two things that separate St. James from other similar initiatives in the city," says organizer David Vertesi – bassist/singer for Hey Ocean! – over the phone while discussing what sets SJMA apart. "It's grassroots. It's created, organized and run by people within the community. Their kids go to the school and their friends kids go and so they're really tapped in and it makes St. James less of a top-down, 'here, we're helping somebody who is less fortunate,' and more, 'hey, we're helping ourselves and trying to make our community a better place by investing in kids and our future and future generations. It makes St. James a really important place in the community in the Downtown Eastside.
"So that is one thing, and I think the other thing is that there is something more there. They really understand what they are providing for those kids. It's more than just music lessons, it is substantial social support. It's after school care, it's food, it's a safe place to go, it's positive role modeling and, beyond everything else, it's self esteem. That can be a really hard thing to come by for some families and some kids in certain situations. That is kind of invaluable and their understanding of that from within the community is really important."
This year marks the second Sing It Forward benefit concert and organizers Vertesi and girlfriend Ambrosia Humphrey – Director of HR for HootSuite – hope to double last year's donation total of $25,000 to raise $50,000 through a combination of ticket sales, donations, and sponsorship. As of Tuesday, Jan. 8, Vertesi estimated the total raised to be around $40,000, all of which goes directly to SJMA.
The Sing It Forward initiative grew out of Vertesi and Humphrey's passion for youth arts and their desire to do something that could have an immediate impact on their community. The pair learned about SJMA through friends and acquaintances that worked and volunteered at the DTES music school and found inspiration in the staff, students and community that had come together to make it a reality.
Tapping into the collaborative nature of SJMA, Vertesi and Humphrey started spreading word of their intentions to friends and contacts.
"We basically put a call out to a bunch of people we know and our group of friends and networks and stuff and started to put together the event," Vertesi says. "Originally it was supposed to be something small and it ended up turning into something way bigger, largely based on the good will of our group of friends and the music community – It was one of those things where I asked a few people, more people than maybe I would have because I thought some people would say no, and then everyone said yes and lots more people asked if they could be involved. It was like a house party gone horribly right."
Of course, raising this kind of money means a lot to those involved with SJMA. But, as Vertesi points out, it means just as much to the musicians who contribute to the event, each of whom gets a chance to spend some time at the school interacting with the children (see performances and other videos at http://singitfwd.com/).
"I think they've all been blown away, it's a bit of a magical place," Vertesi says. "One of my favourite things last year was to walk away from the show and have the artists come speak to me about how grateful they were to be part of it, they were as grateful as the school was… it was like totally equal value. For [the artists], they got to do this thing and really make an impact and give back and change peoples' lives. We want to make sure that, for Sing it Forward and other events like this that we will be throwing, they're always like that, always equal value. That's the nature of a collaborative event. It's more than just a few people helping someone else, it's everybody working together."
Predictably, tickets for tonight's concert sold out, but there are a number of other ways that people can contribute. The easiest way is to visit www.sjma.ca and donate to the school "in celebration of Sing It Forward." You can also find information on that website for volunteering opportunities. Finally, Vertesi and Humphrey hope to set an example for others in terms of what is possible through the collaborative efforts of a community.
"What we really hope to do is inspire people beyond St. James. This is something that we are doing for an organization in our community and there are lots of other amazing organizations and amazing initiatives in this city and in this province and all over. If everyone can just focus on their community and what they can do to help others and what they're passionate about, I think that's a big way that [people] can take something away from this."
For more Vancouver music news follow @vanisalive on Twitter


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I always believe that a woman's character is dictated by the type of bag that she carries. Do you agree with me?
Take these bags for instance :
The woman who carries this bag is soft & sweet. Very feminine. Loves beautiful things in her life. A true woman of leisure.
A simple woman who doesn't like complication. Is very serious at work. A very compliance and detail person.
A very busy but organized mother. She is highly capable to juggle between her career and motherhood. A no nonsense type of woman.
And...finally....THIS IS ME....!!!!
A sling bag indicates an active person who loves to carry it across the shoulder. Floral type of fabric coz she loves beautiful things. Black - a no nonsense type of woman who doesn't take no for an answer.
This bag is still not complete (a WIP)...sama macam tuan dia yang sometimes can be in a state of confusion..he..he...
All materials and fabrics for all the above bags can be purchase from our store. If you wish to learn to make all these beautiful bags...call/sms 016 4831744 for appointment.
Buku Mudahnya Belajar Bahasa Inggeris : Restock
11 months ago


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Some people in the Bay Area are partying like it's 1929. An odd choice, given that's the year all hell broke loose on Wall Street. But remember, that was the height of prohibition.
Speakeasies sprung up all over San Francisco as drinkers looked for a place to imbibe, free from the hassle of police. And even though it's perfectly legal to drink alcohol now, some still prefer to enjoy a cocktail or two in the "underground."
Bourbon & Branch is located at one of the Tenderloin's more "interesting" intersections.
The entrance is nondescript. Push the buzzer and wait. A hostess answers the wooden door and asks for the password. No password, no dice.
The bar inside is candlelit. Louis Armstrong is cranked up on the speakers above. Manager Joel Baker leads us to a wall shelf loaded with liquor. Pull on a lever and that "shelf" opens up to reveal what used to be a cigar shop.
Bourbon & Branch was known as J.J. Russell's Cigar Shop back in the day. Order a certain a cigar, and you'd be lead through the trap door in the floor to the speakeasy downstairs. It's still there today, like a time capsule. Original painted canvas still tacked to the walls; the "Ladies" room sign over the escape route designed to fool police.
You can make reservations online at bourbonandbranch.com. You will be given the password for entry to San Francisco's worst best-kept secret. It's the worst because apparently many people do know about it.
Reservations, Baker says, are two weeks out.


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Louisville Slugger Museum & Factory
Don't miss the opportunity to connect with a genuine global icon on its hometown turf. Join us for a tour of the Louisville Slugger Museum & Factory during Conclave 2019! Celebrate the extraordinary role Louisville Slugger baseball bats have played in the sport's past, present, and future.
From the forest to the field, you'll follow the timber that's been crafted with the same pride that started in 1884. Watch the wood chips fly as you walk right through the heart of the production line. Smell the wood, see the sizzling brand, hear great stories, and witness history in the making. In addition, our group will learn more behind-the-scenes information from Louisville Slugger Museum & Factory Marketing and Communications Manager Andrew Soliday. After the tour, everyone gets a FREE miniature Louisville Slugger bat - a $7 value!
Kentucky Derby Museum/Churchill Downs
There are few American sporting events with the history and popularity, and not to mention style, of the Kentucky Derby. If you joined the tens of millions who watched the Kentucky Derby this year—or were among the 160,000 people from around the world who attended—you won't want to miss the exclusive tour of the Kentucky Derby Museum and Churchill Downs Racetrack during Conclave 2019!
Join us for:
- A special presentation geared toward business and marketing educators
- A Historic Walking Tour of Churchill Downs Racetrack
- A showing of "The Greatest Race," a one-of-a-kind 360-degree immersive sound and visual experience
- Two floors of interactive exhibits


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How to Print Double-Sided Using a Microsoft Word Reverse Book Fold
John Foxx/Stockbyte/Getty Images
Printing a book on Microsoft Word requires you to print on both sides of the page. Whether it's a regular booklet or a book with a reverse book fold, you must set the document up for double-sided printing. A book with a reverse fold is useful if you're writing a book in a language that reads from right to left.
Double-sided printing is known as duplex printing. Some printers are capable of automatic duplex printing while other can only handle manual duplex printing.
Open Microsoft Word.
Prepare your booklet.
Print a test page so you know the correct way to reload the pages to print on the opposite side. Print a page, write a small "x" at the top of the page and reinsert the paper to print on the opposite side and print something else. Check the location of the "x" to make sure you inserted the paper in the right direction.
Go back to your booklet.
Click the "File" tab and choose "Print."
Select "Print One Sided." If you see "Print on Both Sides," select that option, which means your printer is set up for automatic duplex printing. If your printer is capable of automatic duplex printing, you can now click "Print" to print your booklet.
Choose "Manually Print on Both Sides" if your printer is not capable of automatic duplex printing.
Click "Print."
Turn over the stack of printed pages and reinsert them into the printer when prompted.
- John Foxx/Stockbyte/Getty Images


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RBI Grade B Officer Exam
RBI Junior Engineer (Civil / Electrical) Exam
Eligibility for Grade B Officer (DR):-
Educational Qualification:-
A Minimum of 60% marks (50% in case of SC/ST/PWD) or equivalent in Bachelor's Degree as well as in 12th and 10th standard examinations.
Age Criteria and Age Relaxation in upper age limit
(i) The present age criteria of "Between 21 to 30 years" will be retained.
(ii) For M. Phil and Ph. D candidates the upper age limit will be 32 and 34 years, respectively.
(iii) As per extant practice age relaxation will be available to experienced candidates viz. candidates having experience as an officer in Commercial Bank/ Financial Institution in Public Sector as also candidates with prior experience in Reserve Bank of India, to the extent of number of years of such experience subject to a maximum of three years. For such candidates, upper age limit should not exceed 33 years including experience. For experience, probationary period will not be reckoned.
(iv) There are relaxations in upper age limit as per statutory requirements and for the staff.
As per existing practice cumulative age relaxation will not be available in combination with any items mentioned at (ii) (iii) & (iv).
Eligibility for Assistant:-
Age:- Between 18 and 28 years.
Age Relaxation:-
SC/ST - 5 years
OBC - 3 years
Educational Qualifications:-
i) At least a Bachelor's Degree in any discipline with a minimum of 50% marks (pass class for SC/ST/PWD candidates) in the aggregate and the knowledge of word processing on PC.
ii) A candidate belonging to Ex-servicemen category should either be a graduate from a recognized University or should have passed the matriculation or its equivalent examination of the Armed Forces and rendered at least 15 years of defence service.
iii) Candidates applying for post in a particular state should be proficient in the language of the state i.e. know to read, write, speak and understand the language.
RBI Registration / Application Form
RBI Exam 2019 Application Form / Registration:-
Apply online through Bank's website www.rbi.org.in
Before applying online, candidates should
(i) scan their photograph and signature ensuring that both the photograph and signature adhere to the required specifications as given in Annex I to this advertisement.
(ii) if desiring to make online payment of application fees/ intimation charges keep the necessary details/documents ready (In case of Offline Payment i.e. CBS candidates have to apply online, obtain a fee payment challan and then remit the necessary application fees/ intimation charges).
(iii) have a valid personal email ID, which should be kept active till the declaration of results. RBI may send call letters for the Examination etc. through the registered e-mail ID. Under no circumstances, a candidate should share with/mention e-mail ID to / of any other person. In case a candidate does not have a valid personal e-mail ID, he/she should create his/her new e-mail ID before applying on-line and must maintain that email account.
Candidates have the option of making the payment of requisite fees/ intimation charges either through the ONLINE mode or the OFFLINE mode:-
Payment of fees/ intimation charges via the ONLINE MODE:-
(i) The application form is integrated with the payment gateway and the payment process can be completed by following the instructions.
(ii) The payment can be made by using only Master/ Visa Debit or Credit cards or Internet Banking by providing information as asked on the screen.
(iii) After Final Submit, an additional page of the application form is displayed wherein candidates may follow the instructions and fill in the requisite details.
(iv) If the online transaction has not been successfully completed then candidates are advised to login again with their provisional registration number and password and pay the Application Fees/ Intimation Charges online.
(v) On successful completion of the transaction, an e-receipt will be generated.
(vi) Candidates are required to take a printout of the e-receipt and online application form. Please note that if the same cannot be generated online transaction may not have been successful.
(vii) Amount of fees debited for unsuccessful transaction will be refunded to the candidate's account in due course.
Payment of fees/ intimation charges via OFFLINE MODE (at counters of specified Bank branches):-
Payment of fee/ intimation charges through the offline mode can be made through the CBS branches of any one of the following 7 Public Sector Banks-
Bank of Baroda, Bank of India, Bank of Maharashtra, Central Bank of India, Indian Overseas Bank, Punjab National Bank, United Bank of India.
Once the application is filled in completely, candidate should submit the data. Candidates should take a printout of the system generated fee payment challan immediately. No change/edit will be allowed after submission.
RBI Exam Dates
RBI Exam 2019 Date:-
RBI Syllabus
RBI Grade B Officer (DR) Exam Syllabus 2019:-
1. English (Writing Skills):
The paper on English shall be framed in a manner to assess the writing skills including expression and understanding of the topic.
2. Economic and social Issues:
Growth and Development – Measurement of growth: National Income and per capita income – Poverty Alleviation and Employment Generation in India – Sustainable Development and Environmental issues. Economic Reforms in India – Industrial and Labour Policy – Monetary and Fiscal Policy – Privatization – Role of Economic Planning. Globalization – Opening up of the Indian Economy – Balance of Payments, Export-Import Policy – International Economic Institutions – IMF and World Bank – WTO – Regional Economic Co-operation. Social Structure in India – Multiculturalism – Demographic Trends – Urbanization and Migration – Gender Issues – Social Justice : Positive Discrimination in favor of the under privileged – Social Movements – Indian Political System – Human Development – Social Sectors in India, Health and Education.
Suggested reference material:
Indian Economy: Uma Kapila.(Series of Books)
Indian Economy: Mishra Puri. (Latest Edition)
Growth And Development: Devraj Ray
Sociology: C.N. Shankar Rao
News Papers:
Economic Times
Business Standard
Weekly/Monthly Magazines/Bulletins /Reports:
Economic and Political Weekly
Southern Economist
Business India
RBI Bulletins
World Development Report
Economic Survey of India
3. Finance and Management:
(A) Finance
(a) Financial System
Regulators of Banks and Financial Institutions
Reserve Bank of India- functions and conduct of monetary policy, Banking System in India, Financial Institutions – SIDBI, EXIM, NABARD, NHB, etc.
(b) Financial Markets
Primary and Secondary Markets (Forex, Money, Bond, Equity, etc.), functions, instruments, recent developments.
(c) General Topics
Risk Management in Banking Sector
Basics of Derivatives: Forward, Futures and Swap
Changing Landscape of Banking sector
Recent Developments in the Financial Sector, Portfolio Investment, Public Sector Reforms, Disinvestments
Financial Inclusion- use of technology
Alternate source of finance, private and social cost-benefit, Public-Private Partnership
Corporate Governance in Banking Sector, role of e-governance in addressing the issues of corruption and inefficiency in the government sector.
The Union Budget – Direct and Indirect taxes; Non-tax sources of Revenue, GST, Thirteenth Finance Commission and GST, Finance Commission, Fiscal Policy, Fiscal Responsibility and Budget Management Act (FRBM),
Inflation: Definition, trends, estimates, consequences, and remedies (control): WPI, CPI - components and trends.
Suggested reference material:
An introduction to Economics – A W Stonier and D C Hauge
Monetary Theory and Public Policy – Kenneth Kurihara
Indian Economy – Mishra and Puri
Indian Economy – R. Dutt and KPM Sundaram
Economic Growth and Development – Mayer and Baldwin
Major economic newspapers and Economic and Political Weekly
Public Finance – K K Andley and Sundaram
Financial Management – Prasanna Chandra
(B) Management:
Management: its nature and scope; The Management Processes; Planning, Organisation, Staffing, Directing and Controlling; The Role of a Manager in an Organisation. Leadership: The Tasks of a Leader; Leadership Styles; Leadership Theories; A successful Leader versus an effective Leader. Human Resource Development: Concept of HRD; Goals of HRD; Performance Appraisal – Potential appraisal and development – Feedback and Performance Counselling – Career Planning – Training and Development – Rewards – Employee Welfare. Motivation, Morale and Incentives: Theories of Motivation; How Managers Motivate; Concept of Morale; Factors determining morale; Role of Incentives in Building up Morale. Communication: Steps in the Communication Process; Communication Channels; Oral versus Written Communication; Verbal versus non-verbal Communication; upward, downward and lateral communication; Barriers to Communication, Role of Information Technology. Corporate Governance: Factors affecting Corporate Governance; Mechanisms of Corporate Governance.
The questions on this section will be basic in nature.
4. Economics
(a) Microeconomics
Consumers behaviour and firms; value of resources like land, labour and capital
Markets-monopoly, perfect and imperfect competition
General Equilibrium of price and activity, economic welfare and case for regulatory / policy interventions
(b) Macroeconomics
Measuring national income and its components; basic macro identities and idea of macro-balance; Goods and Financial Market Equilibrium (IS-LM Framework)
Major macro-economic school of thoughts; Classical, Keynesian and Monetarist
Consumption and Investment demand; demand management policies and their effectiveness
Money demand and supply; monetary and fiscal policies
(c) International Economics
Benefit of International trade; comparative and absolute advantage; effect of International trade on resources allocation and factor price equalisation; non-conventional trade barriers, optimum currency areas and effect of customs union
International finance and exchange rates issues in an open economy, benefits and costs of an inter-connected financial markets; evolution of international financial architecture
(d) Public Economics
Public Goods, instruments of financing, government tax and non-tax revenue
Direct and Indirect taxes, efficiency costs of commodity taxes, income taxation, labour supply and savings, corporate taxation and corporate behaviour
Government expenditure policy-various components, deficit financing and its impact on the economy, government debt and crowding out of private capital
(e) India's Economy and Development Issues
India's experimentations with planned development models and the outcomes, structural issues-savings and investment, demography, urbanization, productivity, etc., issues with poverty, inequality and employment
Agriculture- policy and developments, manufacturing competitiveness; what is holding India back, role of public sector enterprises in the key economic sectors, India's resilient service sector; trade, tourism, communication, ITES, etc.
Financial sector regulation and reforms-banking, insurance and capital market, fiscal policy and the changing priorities of government, emergence of monetary policy and its new role
Suggested reference material:
Microeconomics, Student Value Edition (8th edition) by Robert Pindyck, Daniel Rubinfeld
Intermediate Microeconomics : A modern Approach (8th edition) by Hal R. Varian
Macroeconomics (2011) by Rudiger Dornbusch, Stanley Fisher, Richard Starz
Macroeconomics by N. Gregory Mankiw, (Seventh Edition),
International Economics (2013) by Domimick Salvatore
International Economics (2011) by Paul Krugman and Maurics Obstfeld
International Finance and Open Economy Macroeconomics (1993) by Francisco L. Rivera- Batiz, Luis A. Rivera- Batiz
Public Finance in Theory and Practice (1989) by Richard Abel Musgrave and Peggy B. Musgrave
The Concise Oxford Companion to Economics in India, Edited by Kaushik Basu & Annemie Maertens
Indian Economy since Independence (2014) edited by Uma Kapila
Indian Economy : Performance and Policies (2015) edited by Uma Kapila
India Development Report (2015) edited by S. Mahendra Dev
5. Statistics:
(1) Probability: Random variables, Theorems of probability, Conditional probability, Independent events, Bayes' theorem and its application, expectation, moments, distribution functions, Binomial, Poisson, Geometric, Exponential, Negative binomial, Hyper geometric, Cauchy, Laplace, Logistic, Pareto, Log-normal, Beta and Gamma distributions, Weibull, Uniform, Bivariate normal distribution and truncated distributions, Markov's inequality, Chebyshev's inequality, Cauchy-Schwarz inequality, Laws of large numbers, Central limit theorems and applications.
(2) Statistical Methods: Population and sample, Measures of central tendencies Parameter and Statistic, Correlation and Regression, intra-class correlation, multiple and partial correlations, Spearman's coefficient of rank correlation, Z, chi-square, t and F statistics and their properties and applications, Large sample distributions, Variance stabilizing transformations, sin inverse, square root, logarithmic and z transformation.
(3) Linear Models: General Linear models, BLUE, method of least squares, Gauss-Markoff theorem, estimation of error variance, Simple and Multiple linear regression models, Important assumptions and treatments in case of assumption's violation, Regression diagnostics, Analysis of variance in one, two and three-way classifications, Analysis of Covariance in one and two-way classifications.
(4) Statistical Inference: Properties of estimators, MVUE, Rao-Blackwell and Lehmann-Scheffe theorems, Cramer-Rao inequality, methods of estimation, properties of maximum likelihood and other estimators, confidence intervals. Simple and composite hypotheses, Type I and Type II errors, size and power of a test, Most Powerful and Uniformly Most Powerful tests, Neyman-Pearson lemma, Likelihood Ratio test and its properties and applications. SPRT, OC and ASN functions, Tests of goodness of fit. Parametric vs. Non-parametric Test, Frequently-used non-parametric inferential statistical methods.
(5) Multivariate Analysis: Bivariate and Multivariate normal distribution, marginal and conditional distribution, Estimation of mean vector and covariance matrix, Asymptotic properties of estimators, Sampling distribution of X and S, Mahalanobis D2 and Hotelling's T2 and its applications.
(6) Optimisation Techniques and Statistical Quality Control: Linear Programming, Transportation Problem, Assignment Problem, Basics of Simulation, Quality control, Process Control and Product Control, control charts, Acceptance Sampling plan, single and double sampling plans (ASN, OC, ATI, LTPD, AOQL).
(7) Sample Surveys and Design of Experiments: Simple and Stratified random sampling, ratio and regression methods of estimation, Double sampling, Systematic, Cluster, two stage and PPS sampling. Sampling and Non-sampling errors. Principles of Design of Experiments, Completely Randomized Design, Randomized Block Design, Latin Square Design, missing plot technique, 22 and 23 factorial designs, Split-Plot Design and Balanced Incomplete Block Design, Fractional factorial experiments
(8) Applied Economic Statistics: Time Series vs. cross sectional data, Multiplicative and additive models, Auto-correlation, Partial autocorrelation, Smoothing techniques, Seasonal and cyclical adjustment. Price and Quantity Index numbers, Types of index numbers and their properties. Chain and Fixed base index numbers, Cost of Living Index numbers, Wholesale Price Index, Consumer Price Index, Index of Industrial Production, Gini's coefficient, Lorenz curves, Application of Pareto and Lognormal as income distributions.
(9) Vital Statistics: Sources of vital statistics compilation, Errors in census and registration data, Measurement of population, rate and ratio of vital events, Stationary and Stable population, Life Tables, Measures of Fertility, Mortality and Reproduction, Crude rates of natural growth, Pearl's Vital Index.
(10) Numerical Analysis: Principles of floating point computations and rounding errors, Linear Equations factorization methods, pivoting and scaling, residual error correction method, Iterative methods, Jacobi, Gauss-Seidel methods, Newton and Newton like methods, unconstrained optimization, Lagrange interpolation techniques, Cubic Splines, Error estimates, Polynomials and least squares approximation; Integration by interpolation, adaptive quadratures and Gauss methods.
(11) Basic Computer Applications: Functional organization of computers, algorithms, basic programming concepts, Program testing and debugging, Subprograms and Subroutines, Sorting/searching methods, Database Management Systems, Software Engineering, Basic of Networking, Internet Technologies, Web and HTML, Distributed systems, Programming using C, MINITAB and FORTRAN.
Suggested reference material:
Atkinson, K.E. (1989): An Introduction to Numerical Analysis, Wiley.
Bhat, B.R. (2007): Modern Probability Theory, New Age International.
Cochran, William G. (1977): Sampling Techniques. John Wiley and Sons, New York
Das, M.N. and N. C. Giri (1986): Design and Analysis of Experiments. Wiley Eastern Ltd.
Draper, N.R. and H. Smith (1998): Applied Regression Analysis, John Wiley & Sons.
Goon, A.M., M. K. Gupta and B. Dasgupta (2001): Fundamentals of Statistics. (2 Vols.), World Press, Kolkata.
Gibbons, J.D. & S. Chakrabarti (2007): Non parametric Statistical Inference, Chapman and Hall.
Gupta, S.C. and V. K. Kapoor (2007): Fundamentals of Mathematical Statistics, Sultan Chand and Sons.
Gupta, S.C. and V. K. Kapoor (2008): Fundamentals of Applied Statistics, Sultan Chand and Sons.
Hollander Myles and Douglas A. Wolfe (2006): Non Parametric Statistical method, Wiley.
Kshirsagar, A.M. (1983): A Course in Linear Models Marcel Dekker, New York.
Montgomery, D. C. (2008): Design and Analysis of Experiments, John Wiley and Sons.
Montgomery, D.C., E. A. Peck and G. G. Vining(2006): Introduction to Linear Regression Analysis, John Wiley and Sons.
Murthy, M.N. (1967): Sampling Theory and Methods. Statistical Publishing Society, Kolkata.
Rajaraman, V. (2010): Fundamentals of Computers, Prentice-Hall India.
Rohatgi, V. K. and A. K. Md. Ehsanes Saleh (2009): An Introduction to Probability and Statistics, John Wiley and Sons.
Saxena, H.C. (2005): Finite Differences and Numerical Analysis, S. Chand and Co.
Silberschatz, A., H. F. Korth and S. Sudarshan (1997): Database System Concepts, McGraw-Hill.
Sinha, P.K. (2010): Computer Fundamentals, University Science Press.
Sukhatme, P.V., B. V. Sukhatme, S. Sukhatme and C. Asok (1984): Sampling Theory of Surveys with Applications, Iowa State University Press, Iowa, USA.
Swaroop, K., P. K. Gupta and M. M. Singh (1985): Operations Research, Sultan Chand and Sons.
Taha, H.A. (1982). Operations Research: An Introduction, Macmillan Publishing Company.
Paper Pattern
RBI Exam 2019 Pattern:-
RBI Grade B Officers (DR) Pattern:-
(i) Examination will consist of two phases, viz. - Phase-I & Phase-II followed by interview.
(ii) Phase-I examination will be objective type with Multiple Choice Questions (MCQs). The Phase-I examination will continue as per the existing Phase-I examination for Grade-'B' (DR). There are four modules in Phase-I, viz.- General Awareness, English Language, Quantitative Aptitude and Reasoning.
(iii) Phase-II examinations will consist of three papers in MCQ pattern (except Paper-I) – viz. Paper-I on English (writing skills); Paper-II – Economic & Social Issues and Paper-III – (optional subjects) – Finance & Management/ Economics/ Statistics.
(iv) Candidates will be required to write all the papers online.
(v) Only successful candidates of Phase-I will appear for Phase-II examination on a later date.
(vi) Based on the results of Phase-II examinations candidates will be shortlisted for interview.
(vii) Final selection will be through merit lists which will be prepared by adding marks secured by candidates in Phase-II (Paper-I + Paper-II + Paper-III) and Interview.
B. Duration of Examinations and Distribution of Marks
(i) Phase-I : Objective Type - 2 hours - 200 marks
(ii) Phase-II: Three Papers - 300 marks
(iii) Interview: 50 marks.
RBI Assistant Exam Pattern:-
The Online Examination will be for 200 marks.
Sr. No.
Name of Tests (Objective)
No of Questions
Maximum Marks
Total Time
Test of Reasoning
2 Hours
Test of English Language
Test of Numerical Ability
Test of General Awareness
Test of Computer Knowledge
i) The above tests except the Test of English Language will be available bilingually, i.e. English and Hindi.
ii) A candidate has to qualify in each part of the Objective test separately. There will be negative marks for wrong answers in the Objective tests. 1/4th marks will be deducted for each wrong answer. Candidates will have to pass in each of the objective tests.
RBI Preparation
RBI Exam Books RBI Exam Preparation Tips
RBI Exam Sample Papers RBI Exam Coaching Institutes
RBI Notification
RBI Exam 2019 Notification:-
View More Details.
Note : The Information provided here is taken from official websites and in some cases other websites. We are just aggregators of the information students are requested to check the official websites and respective admission authorities for more information their word will be final. We keep updating the information regularly but sometimes the information can be outdated or human error while typing is possible we are not responsible in such cases.
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