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Countdown to the EMV Deadline: Who's Ready, Who's Not
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NCR and Diebold the two largest ATM manufacturers in the U.S. report that skimming is getting worse. One likely reason: the adoption of harder-to-skim EMV chip cards in this country starting in October.July 30
Large banks and card issuers are ready for the U.S. shift to chip-and-PIN technology, according to a report issued Wednesday. But the drop in fraud that is expected to result is unlikely to come any time soon.March 18
Retailers will no longer be easy pickings for cybercriminals once chip-and-PIN technology is widely adopted. All well and good, but bankers fear hackers will redirect their energies to infiltrating banks.December 24
The big moment is just a few days away.
For several years Oct. 1, 2015, has loomed as a turning point in the U.S.'s migration to EMV chip-and-PIN cards — the cards with computer chips that have already been deployed in most parts of the world.
Rules set by Visa and MasterCard suggest that by Thursday, ideally, banks will all be issuing EMV-compliant cards and retailers will have the technology to accept them. If one party is supporting EMV and the other is not, the delinquent entity will have to cover the cost of any fraud that ensues.
It is an enormous change, with the potential to disrupt bank card issuers, retailers and consumers as everyone learns to deal with the new technology that requires consumers to insert their cards and leave them in the store machines throughout a payment transaction, rather than swipe.
Here's what we can expect to see on EMV migration day:
Most credit cards (about 70%) will have chips on them. But most of these cards will be chip-and-signature cards, not chip-and-PIN.
Some criticize banks' adoption of chip-and-signature, arguing that signatures are useless as a fraud deterrent.
"Our position in the U.S. has been that the chip helps eliminate the vast majority of fraud, and we wanted to get the chip deployed as fast as possible," said Mark Nelsen, senior vice president of risk products and business intelligence at Visa.
For Visa, that means replicating the current environment for consumers, which means debit cards will have PIN numbers associated with them, and credit cards will have a signature.
"We felt that was the fastest way to get chip deployed," Nelsen said. "We absolutely support issuers who want to deploy a PIN on their credit card."
Many small merchants won't be ready. Depending on which study you believe, somewhere between 20% and 30% of merchants have purchased and deployed the EMV-capable point-of-sale terminals and software they will need to handle EMV chip cards. Big-box stores like Target that have suffered data breaches have done this work.
But most small stores and restaurants have not. New EMV equipment is expensive and sometimes difficult to implement, and many seem unaware of the dangers of not adapting.
"A big portion is because the merchants don't understand the risk associated with this," said Wade Barnes, director of retail banking at 1st Mariner Bank in Baltimore. The $850 million-asset bank has about 25,000 debit cardholders and 10,000 on credit cardholders.
"Target, Walmart, they get it, they've been involved with enough card issues that they understand the risk it presents," Barnes said.
One of his bank's customers is a bar that is not going to upgrade because its owner sees no reason to do so since the business has not experienced any losses.
"We remind them that, you wouldn't know of any losses because in today's world, it comes directly back to the bank," Barnes said. "Moving forward, that liability will be on the merchant if the customer presents an EMV card. They don't realize what the impact is going to be to them. I don't think most merchants understand the amount of fraudulent transactions that actually happen."
Counterfeit card fraud should drop. For years, criminals have had a relatively easy time of "skimming" the data off traditional magnetic-stripe cards, using easily obtained devices that cost about $20. About $3 billion worth of counterfeit credit card fraud took place at the point of sale last year, according to Aite Group's estimates. That was out of $16 billion in total card fraud.
Duplicating the chip on a chip card is difficult if not impossible. Most new cards are being issued with both a magnetic stripe and a chip and the new EMV terminals accept both the chip and the stripe. So theoretically you could duplicate just the magnetic stripe on the chip card, create a new magnetic stripe card and try to use that. However, if an EMV card is swiped on an EMV-compliant merchant terminal, the system will reject the transaction and force the consumer to insert the chip.
However, in the scheme of things, counterfeit card fraud represent only about 37% of overall card fraud in the U.S.
Online card fraud is expected to rise. So-called "card not present" fraud — where someone uses a card but does not physically present the card (this could be over the phone, over a fax machine, on a mobile device or a computer, but most people equate "card not present" with using a card on a website) — represents the bulk of card fraud in the U.S.: 45%, according to Aite Group. The analyst group expects online card fraud to more than double from $3.1 billion in 2015 to $6.4 billion in 2018.
Many point to the U.K.'s experience in switching to EMV cards: online e-commerce fraud rose 79%. Other countries have experienced similar post-EMV effects.
However, as Nelsen points out, the U.K. adopted EMV in 2006, when online e-commerce was just getting under way. So the escalation of Internet fraud was natural as everyone, including fraudsters, recognized all the possibilities of website commerce.
He also points out that fraud detection and prevention methods have come a long way since then.
"The technology available to ecommerce merchants is vastly different to what they had then," he said. "Large, sophisticated merchants have access to a lot of tools to find suspicious activity."
For instance, they look at device analytics. They examine how fast the user navigates through the shopping cart.
"If you're buying an expensive TV, it might take you three minutes or more to go through the buying process," he said. "A criminal has an automated process that could be two seconds." Merchants also look at factors like the user's location and the operating system he's using, for signs of fraud.
At the same time, card issuers have gotten better at issuing e-commerce fraud alerts, and giving consumers a quick way to respond if a transaction was not theirs. Visa studies have shown that total card losses on accounts reduced 40% where there was this type of customer interaction.
Some say merchants ought to be required to make online shoppers provide the "card verification value" code on the back of the card, a piece of data generally not captured in data breaches. Some do not, in the interest of making payment as quick and easy as possible.
"In cases where cvv codes are already used, you see a drastic decrease in card fraud," Barnes said.
And online merchants may start to use mobile devices for authentication. Amazon, for instance, lets mobile device users approve transactions with a thumbprint.
Lost or stolen card fraud may not change much, at least initially. A thief who steals a chip and signature card may be able to use it without challenge, since no one ever really checks the signature during a card transaction (and cashiers generally aren't trained in handwriting analysis anyway).
However, lost and stolen fraud has been decreasing for a number of years, and it's currently about 11% of total fraud in the system, according to Nelsen. And here again, risk scoring techniques have gotten better at identifying lost and stolen cards. Visa has launched a geolocation tool that can match the merchant's location against the location of the consumer's cellphone, he said.
"You get on a plane and travel to Brazil, Visa knows the phone is in Brazil," he said. "It's a much less risky transaction."
EMV holdouts will be fraud targets. Observers are concerned that the small merchants who haven't adopted EMV, and the banks and card providers that have resisted the transition, will be fraud magnets.
"My biggest concern is for smaller mom-and-pop merchants, who are either unaware or unthinking through the consequences of this," said Barnes.
The same could be true for smaller banks that have not issued chip cards. Fraudsters could target their cards for counterfeiting, knowing that they can still get away with it.
Eventually the shift to EMV should drive a dramatic reduction in card fraud. In spite of the delays in this country's EMV migration, there should be a gradual reduction in card fraud over the next 12-18 months, Barnes said. "It's going to take time for the technology to be adopted," he said.
Over time, sophisticated authentication technologies such as biometrics will help increase the security of card transactions. Device-based verification could be easily incorporated in an EMV transaction, said Jamie Topolski, director of alternative payment strategies at Fiserv.
"In the latest conversations with banks, they have expressed interest more in using the phone as a biometric," Nelsen said. For instance, banks might require fingerprint recognition in a store transaction.
"It's all going to depend on what is the most convenient way to access your funds," Nelsen said. "The nice thing about biometrics is it's meant to enable more convenience and stronger security."
And the initial confusion and technical glitches that are bound to occur as everyone gets used to this new way of using cards will fade.
"There are going to be some hiccups," said Topolski. "You wish it would be perfect from the get-go. But the pain points will melt away."


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This week for anyone who pledges $1 or more on Patreon I have my third Twilight review, ECLIPSE. This is the one directed by David Slade (30 DAYS OF NIGHT), who added some interesting new weirdness. I particularly had fun with this review because of some Seattle-specific details I noticed.
CLICK HERE FOR THE REVIEW or to sign up
Thanks everybody!
VERN has been reviewing movies since 1999 and is the author of the books SEAGALOGY: A STUDY OF THE ASS-KICKING FILMS OF STEVEN SEAGAL, YIPPEE KI-YAY MOVIEGOER!: WRITINGS ON BRUCE WILLIS, BADASS CINEMA AND OTHER IMPORTANT TOPICS and NIKETOWN: A NOVEL. His horror-action novel WORM ON A HOOK will arrive later this year.

subset: commoncrawl


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If I Sell a House What Percentage of the Sales Price is Owed in Taxes?
Tax Liabilities: How Much Do I Owe From Home Sale?
Generally when people sell their homes, the furthest thing from their mind is whether they are going to have to pay taxes on the sales price of a home. Fortunately, many homebuyers will never have to be worried about this since there are several exclusions for homeowners who sell a home. Here are some of them:
Exclusion from claim - the typical exclusion from a sale of a primary residence is $250,000 per person. If the home is jointly owned, both persons may claim this exemption on their taxes if they file a separate return and if a joint return is filed they may exclude up to $500,000. Two conditions apply to this exclusion - they are:
- The owner(s) must have lived in the home for at least two years out of the past five years (this is called an ownership and use test);
- During the two years preceding the sale date you did not use this exclusion on another property.
It is also important to note that there are exclusions to the ownership and use test that include:
- Military service
- Deceased spouse taking over home
- Medical issues that prevent a person from living alone (or someone is transferred to a hospital or nursing home)
- other exclusions may also apply
The Internal Revenue Service provides for certain exclusions in addition to these amounts. These may include closing costs, attorney fees or other costs associated with selling a home.
Calculating Your Taxes
For homeowners who have sold a home for more than the purchase price, they may have a concern about what happens to the capital gains. This often means that people are concerned about the percentage of taxes that must be paid on a home sale. Unfortunately, there is no quick formula, because of various exclusions from the gains realized on a home sale. However, there are other items that must be taken into consideration when selling a home.
The Internal Revenue Service asks that a person who sells a home set a cost basis for their home. This cost basis is a combination of the price that the home was purchased for minus any seller allowances, cost of certain improvements, etc. There is a worksheet that is provided by the Internal Revenue Service that will help the seller of the home reach the appropriate cost basis. Once this sheet has been filled out properly, the homeowner will know if they are liable for any taxes on the sales price of their home.
Once a homeowner has determined the adjusted cost basis, if there is any gain over the exclusion amount it should be reported on Schedule D (Capital Gains). Worksheets that were used should be kept with the tax records as well as a copy of all of the documents that support the adjusted sales price. In addition, copies of the HUD-1 (settlement forms) and copies of the purchase and sales agreement will help support the claim.
Internal Revenue Service
- Publication 523 https://www.irs.gov/pub/irs-pdf/p523.pdf
- Form 8939 https://www.irs.gov/pub/irs-dft/f8939--dft.pdf
- Schedule D https://www.irs.gov/pub/irs-pdf/f1040sd.pdf
Image Credits:
- Home Sold Image: via https://www.stock.xchng/meerlap
- IRS Logo Public Domain via Wikimedia Commons/United States Department of Treasury


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MD1646 LLDC Queen Elizabeth Olympic Park Maintenance Obligations
Executive summary
The Mayor is asked to delegate to the London Legacy Development Corporation (LLDC) powers to maintain and upkeep the Queen Elizabeth Olympic Park (QEOP), to collect a Fixed Estate Charge to fund this obligation, and to direct LLDC to use these delegated powers.
Whilst LLDC already maintains and upkeeps QEOP and levies and collects a Fixed Estate Charge, it is anticipated that this direction and delegation will have the effect of putting it beyond doubt that LLDC is acting as a public authority in terms of its obligations to maintain and upkeep the QEOP.
This complements and supplements the general powers delegated in 2012 (MD1066).
The Mayor to execute the appended delegation of powers to LLDC and to direct LLDC to exercise the powers so delegated.
Powers delegated are those to maintain and upkeep the QEOP (as defined therein) to a standard appropriate to the Park's status and so as to secure its regeneration and development, and to levy and collect a Fixed Estate Charge (as defined therein) from occupiers of the QEOP in furtherance of this. This delegation and direction is made under the powers conferred by section 38(1) of the Greater London Authority Act 1999 (as amended) and section 220 of the Localism Act 2011 (as amended) and all other powers so enabling.
Part 1: Non-confidential facts and advice
In establishing the London Legacy Development Corporation (LLDC) in 2012, the Mayor of London stated that the purpose of the LLDC should be:
"To promote and deliver physical, social, economic and environmental regeneration in the Olympic Park and surrounding area, in particular by maximising the legacy of the Olympic and Paralympic Games, by securing high-quality sustainable development and investment, ensuring the long-term success of the facilities and assets within its direct control and supporting and promoting the aim of convergence."
To this end the LLDC is committed to maintaining and upkeeping the QEOP to a standard appropriate to its status and as part of its statutory objective under section 201 of the Localism Act 2011 to regenerate its area. It has granted a number of long leases, under which it, as freeholder, is obliged to maintain and upkeep the QEOP. These leases also oblige tenants to pay a Fixed Estate Charge, being a fixed rate per square foot of gross internal area occupied, the rate being dependent upon the category of tenant and also being subject to indexation.
The effect of a direction and delegation should be to provide clarity around the legal basis for both the maintenance and upkeep of QEOP and the collection of the Fixed Estate Charge.
The objective is to clarify the legal status of certain LLDC's activities for the benefit of stakeholders and key partners. This will have the corollary of demonstrating that the LLDC can be regarded as acting as a public authority in the exercise of its duties to maintain and upkeep the QEOP. This is a test applied by HMRC when it considers whether the LLDC will be entitled under section 33 of the Value Added Taxes Act 1994 to a refund of VAT incurred on both QEOP maintenance and upkeep costs, and on the construction of the cultural elements of Olympicopolis.
As this decision seeks to provide clarity around the legal status of services and functions that the LLDC is already performing, it is not anticipated that this will have any impact on those with protected characteristics.
Links to strategies and Mayoral and corporate priorities
The Mayor's London Plan states (at policy 2.4) that 'a viable and sustainable legacy for the Olympic and Paralympic Games to deliver fundamental economic, social and environmental change within east London, and to close the deprivation gap between the Olympic host boroughs and the rest of London ... will be London's single most important regeneration project for the next 25 years.' Given the purpose stated by the Mayor for the LLDC, the delegation proposed here - which enables the LLDC to contribute to the convergence ambition - is crucial to the Mayor's delivery of this policy.
Impact assessment and consultation
This delegation does not in itself propose any specific interventions or actions on behalf of either the Mayor or LLDC. It is considered, therefore, that no impact assessment relating to this particular decision is required.
The LLDC has been consulted about the proposed delegation and is content with it. It is not considered that any additional consultation is required in respect of this decision.
While the delegation could in theory create a slightly enhanced risk that the LLDC could take action beyond the purpose stated for it by the Mayor, it is considered that the conditions included in the delegation and the more general close working relationship between the GLA and LLDC at all levels, as well as the constrained resources available to LLDC, would make this very unlikely.
There is no cost associated with this direction and delegation as it provides a legal basis for the LLDC to perform activities that it is already performing under the auspices of pre-existing contracts and leases with tenants. It also does not impact on what cost recovery has been assumed in LLDC's budget.
The Mayor may authorise LLDC to exercise his statutory functions under section 38(1) and (2) of the GLA Act 1999, and by s 38(7) they become functions exercisable by LLDC notwithstanding it doesn't otherwise have the power to do so. Under s 220 of the Localism Act 2011 the Mayor may direct LLDC as to the exercise of any of its functions. By s 220(4) LLDC must comply with the direction. The proposed Direction and Delegation authorises LLDC to exercise the Mayor's powers under s 30 of the GLA Act 1999 to do anything that furthers the promotion of the economic social and environmental improvement of that part of London within the QEOP and for that purpose empowers LLDC to impose a Fixed Estate Charge (FEC) to provide a funding stream to LLDC for the maintenance of the Park to a standard appropriate to a former Olympic and Paralympic venue. LLDC is additionally directed to impose the FEC on occupiers.
Potential VAT implications of the delegation and direction are described in section 2 of this report (Objectives and expected outcomes).
This falls outside IPB's terms of reference.
Appendix A: London Legacy Development Corporation (Queen Elizabeth Olympic Park Maintenance Obligations) Direction and Delegation 2016
Appendix B: Fixed estate plan


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I joke about food addiction all the time, but it is a real thing. I didn't realize how real until I read the latest issue of Experience Life Magazine, a publication put out by Lifetime Fitness, the gym where I donate $162 each month.
Dr. Mark Hyman's article, "Beating Food Addiction" simplifies what can be a mystifying problem for many people. Food addiction must affect many, considering 70 percent of Americans are overweight. Why else do so many of us "eat foods that we know aren't good for us, that aggravate chronic symptoms, and that make us feel sick, bloated, and guilty?"
The answer is tricky, but we are biologically programmed to eat sugar- and fat-laden foods and store the extra calories (as fat) to carry us through the times when food is scarce. But the food we are storing on the inside is never used, because we live in the 21st century and not in a cave. I do know some people that should live in a cave, but that's not what this is about.
According to Dr. Hyman, it's biology that's getting the best of us. "What saved us as hunter-gatherers is killing us now," he writes. Well-said, and pretty sad.
So how do you know if you have a food addiction and not just an unhealthy love of potato chips? You can take a look at Dr. Kelly Brownell's nine points below – the more intensely or more frequently you experience these feelings and behaviors, the more addicted you are. (FYI: I am in some major trouble here.)
- You consume certain foods even if you are not hungry because of cravings.
- You worry about cutting down on certain foods.
- You feel sluggish or fatigued from overeating.
- You have health or social problems (affecting school or work) because of food issues and yet keep eating the way you do despite negative consequences.
- You have spent time dealing with negative feelings from overeating certain foods instead of spending time in important activities with family, friends, work, or recreation.
- You have had withdrawal symptoms such as agitation and anxiety when you cut down on certain foods (not including caffeinated drinks such as coffee, tea, and energy drinks).
- Your behavior with respect to food and eating causes you significant distress.
- Issues related to food and eating decrease your ability to function effectively in your daily routine, at your job or school, and in social or family activities.
- You need more and more of the foods you crave to either experience any pleasure and/or reduce negative emotions.
So now what? Dr. Hyman recommends a comprehensive detox, not just eliminating a few trigger foods. A 10-day, cold turkey detox that eschews gluten, dairy, alcohol, caffeine, and sugar and celebrates lean protein, nuts, fruits, vegetables and water.
This is nothing new. We all know this and we don't all do this and why? Because we've been drinking the Kool-Aid – literally – for years. We have been ingesting a drug in the form of something as innocent-looking as a vitamin water. It's not our fault necessarily, but it is our problem.
Dr. Hyman's book and supporting articles offer a bit of hope by simplifying the reason behind food issues, eliminating the guilt associated with them, and offering steps towards success.
Heidi Wachter tried Dr. Hyman's detox and shared her daily insights. Reading about her experience was inspiring, until the part when she mentioned she's been trying to "put on weight." So then I hated her. But just for a second.
I originally wrote this post with a plan to post one of Dr. Hyman's recipes, but if you are serious about attempting his plan, one little recipe is not going to help. So check out some of the resources he offers and fill us in on your success.
Epicurean has and always will offer a variety of foods and we never label things as 'good' or 'bad' for our guests since we are all different cavemen and cavewomen. But – writing this blog reminded me of the importance of enjoying good food in any situation, while also being true to yourself and your needs. That's why we encourage our guests to speak up when they need or want something different on their plate or at their table. And we won't send you back to your cave just for asking.


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Belly Dance Classes in Hemel Hempstead
Belly Dance is a beautiful, feminine art form derived from traditional Eastern dances from North Africa and the Middle East. The main principles are muscle control and grace and like most exercise, there are many health benefits.
Lower blood pressure
Reduce stress
Control weight
Tone stomach, waist, buttocks & thighs
Increase fitness
Muscle/joint pains (low impact exercise)
Boost Self-Esteem
Belly Dance can help:
Yes. Anyone can join up to week 5. In week 5 we begin the choreography, so students wishing to join after week 5, please contact us. If you have significant dance experience, you may still be able to join. please contact us to let us know you will be joining and to let us know of any needs/injuries/health issues that will help the tutor plan the classes.
Comfortable, loose fitting clothing. Light slippers/ballet shoes are recommended or bare foot/socks. No trainers or heavy shoes.
No. It is useful to wear a top that shows belly/hip movements such as a vest top or a short top, but this is completely optional. The tutor will be wearing a short top for students to see movements more clearly.
It is advisable to bring a bottle of water, this can be refilled at the venue.
Please bring 1 form of ID to the first class you attend.
Learning something new is more fun when shared, so bring a friend!
See a video of 2 students performing at Dacorum Multicultural Evening 2012
From left to right: Kate, Shaddy and Helen. Drummer: Ant Hatcher from OAI
~ All proceeds from courses go back to charity ~
See photos from classes & performances


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Do you ever think of your tech devices as having a living, breathing core of their own? Apparently Danish artist Madspeitersen does, judging by his awesome anatomical cutaways of familiar everyday tech.
Instead of chips and circuit boards, hisiPhone 4
has a complete digestive tract including intestines and a liver. HisPS3 controller
on the other hand is all muscle and teeth, while hisXbox controller
has a ribcage containing lungs and a beating heart.
I'm sure there's plenty of other tech that would look cool when given the Madspeitersen treatment. How about something like a camcorder with human eyes and ears?
deviant ART, via Gizmodo
Copyright DVICE - DVICE


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The Work and Pensions Secretary said that "a sort of interest" fuelled by the media "dwelling" on the issue had prompted the news to be brought forward.
And Theresa May, the Home Secretary, added to suggestions that senior cabinet ministers had not been consulted when she refused 11 times to reveal when she was told about the decision.
Mr Osborne's decision to abolish child benefit for higher-rate taxpayers met with controversy when it was announced on Monday, as experts claimed it unfairly penalised single-income families.
In an interview at a fringe event to the Conservative Party conference, Mr Duncan Smith appeared to suggest that journalists' interest in welfare reform had forced Mr Osborne into a premature announcement.
He said: "I think the reality is you were all spending your time just dwelling on this the whole time ... The reality is there was a sort of interest and that was why it was done."
When questioned repeatedly on BBC2's Newsnight on when she was informed, the Home Secretary would only say the decision was "a matter for the Chancellor and the Secretary of State for Work and Pensions".
David Davis, the senior backbencher, who was critical of the way the announcement was made, told the same programme that a "front bench rethink" was likely to take place.
He added: "When they work through the consequences of what they're proposing, they might think 'There's a better way of doing it'."
The growing questions over whether the policy was rushed through – some from within the Conservative party – forced senior Tories to defend their decision.
In a sign of the unease among Tories about a possible backlash from middle-class voters, Mr Osborne wrote to every Conservative MP on Tuesday explaining the rationale behind his decision.
David Cameron, the Prime Minister, apologised for leaving voters in the dark by omitting the cuts to the universal benefit from his general election manifesto, as the controversy threatened to overshadow his speech to the Conservative Party conference.
Mr Cameron is expected to justify the cuts to child benefit by insisting that it is "fair that those with broader shoulders should bear a greater load" in his speech on Wednesday.
William Hague, the foreign secretary, said on Wednesday morning that he had been aware the announcement was coming but did not give any further details on the extent to which it had been discussed prior to Mr Osborne's speech.
He added that the cuts for higher-rate taxpayers were "tough but fair".
Asked on the BBC Radio 4 Today programme if people facing cuts would just have to "lump it", he replied: "Yes, because this is a situation we have to deal with.
"Is this going to cause some people some pain? Yes, it is, but what alternative is there for the United Kingdom to rescue itself?"
Economic experts have called into question the fairness of the new child benefit framework, which penalises single-earner families where the breadwinner is paid £44,000 a year but allows households where two earners both pay the lower rate of tax to earn up to £87,000 without forfeiting their benefit.
The Institute of Fiscal Studies said after the announcement: "Some may think the proposed scheme is unfair because child benefit is withdrawn where an individual in a couple is a higher-rate taxpayer, regardless of the joint income of the couple."
John Whiting of the Chartered Institute of Taxation added: "Perhaps it wasn't thought through. In many ways what we're looking at are very valid things to debate but perhaps we should have had that debate earlier."


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23 July 2015
NFYFC has received a huge boost to its farm safety initiative, thanks to a new partnership with Honda (UK), which was announced at the Royal Welsh Show in Builth Wells.
Central to Honda's sponsorship of the NFYFC will be helping to promote All Terrain Vehicle (ATV) safety to the Federation's 25,000 members.
Honda is the world's leading ATV manufacturer and will become the Federations' recognised expert in ATV safety. A key role for Honda within the partnership will be championing ATV safety with Young Farmers, by connecting local approved Honda dealers with Young Farmers' Clubs across England and Wales.
Vehicle safety on the farm is a huge concern for the NFYFC. According to statistics released by the Health & Safety Executive, the largest number of worker deaths in agriculture is caused by moving vehicles, accounting for nearly a fifth of fatalities over the last five years.
The NFYFC's partnership with Honda is part of its nationwide initiative to try to raise the awareness of farm safety to Young Farmers and encourage YFC members to change their attitudes.
NFYFC is keen to identify external organisations that can help deliver the farm safety message to YFC members. The objective is to reduce the number of fatal and serious injury accidents occurring to Young Farmers and their families. NFYFC would like to achieve this through the promotion of safety awareness, practical advice and training.
Steve Morris, Head of Power Products for Honda (UK) said: "We are delighted to be supporting the National Federation of Young Farmers' Clubs with a key focus on highlighting ATV safety to its members throughout the UK.
"Honda has always been committed to promoting safe and responsible handling of ATVs and we will work very closely with the NFYFC and its members to raise awareness of the importance of vehicle safety on the farm.
"It's been great to meet some of the Young Farmers competing at the Royal Welsh Show today, and really interesting to discuss some of the ways in which we can help deliver the farm safety initiative."
For further information about the NFYFC's farm safety initiative, please visit www.nfyfc.org.uk/farmsafety.
10 July 2015
Today marks the final day of Farm Safety Week 2015 supported by the NFYFC and the Farm Safety Foundation and today reminds us that farming is not child's play!
The third annual Farm Safety Week offered a week of themed practical advice and guidance for farmers and coincided with the Livestock Event at Birmingham NEC. From falls and transport to child safety – Farm Safety Week 2015 urges farmers not to learn safety by accident especially when it comes to children…
According to Rob Jones, Farm Safety Foundation Trustee: "Every child loves being on the farm, but while it can be place of great fun and excitement, it can also be an extremely dangerous environment – especially for children. As a parent of two young children it is upsetting to read that sixteen children have lost their lives on England's farms over the past decade. Farms remain the only workplace where children still continue to die in what is always a horrific tragedy for families and heart-breaking for their communities. This is why it is important that the issue of farm safety is addressed, a plan is devised and implemented properly.
"Summer is a time when children can be more at risk with the long school summer holidays and the challenging workloads for farmers. We are encouraging farming families to have a dedicated safe play area for younger children so as to keep them safe from heavy machinery and other dangers around the farm, particularly when farms are at their busiest. Too often, children have access to the entire farm and view it as one big play space. Children must be taught about farm dangers and be kept isolated from these risks.
Rob added: "Whilst it is important that children are looked after they should still being encouraged to engage with farms in order to learn how they work and understand how food is produced. It is also important that the next generation of farmers are able to safely help their parents on the farm. If children are old enough, tell them about the dangers they should look out for and where they are not allowed to go and encourage them to be responsible. Don't let them learn safety by accident. Always take the time to think about what you are doing on the farm, where the children are and what might go wrong as making a few simple checks could actually save a life – maybe your own child's!"
09 July 2015
The third annual Farm Safety Week from 6-10 July offers five days of themed practical advice and guidance for farmers, supported by the NFYFC and Farm Safety Foundation. Against the background of the annual Livestock event at Birmingham's NEC, day four of Farm Safety Week throws the spotlight on livestock and, in particular, crush injuries. Handling cattle always involves a risk of injury, so today it is time to think about how you can improve your livestock handling system and make it safer and more efficient.
According to James Eckley NFYFC and Farm Safety Partnership England member "Over the past five years 17% of all reported major injuries are as a result of livestock-related incidents and 11% of all workers killed on farms over this period were livestock-related. Handling livestock always involves risks, from crushing to kicking and butting."
Carmen Wood and her family know all too well the effect an incident like this can have, after she suffered serious injury after a newly-calved Aberdeen Angus cow turned on her nine years ago.
Carmen, who still suffers from the effects of the accident, had been moving a small group of cow and calves with her husband Rog on their hill farm Auchentaggart, near Sanquhar. Rog, who is currently the farming correspondent for The Herald, had gone ahead in the Land Rover to open a gate, when the beast turned on Carmen without warning.
The cow knocked her to the ground, gored her with its head and trampled her. That left her seriously injured and fighting for her life in the Intensive Care Unit at Dumfries Royal Infirmary following a lengthy operation involving 30 pints of blood and the removal of her right lung and two ribs.
After spending three weeks in intensive care, Carmen went on to develop serious complications when the cavity where her lung had been became infected with a cocktail of infections that included MRSA and a very persistent strain of pseudomonas. Following several months in hospital fighting those infections she then went on to have further major surgery to her chest.
Although she has now made a good recovery, Carmen still suffers pain, her posture and mobility has been affected and she suffers badly when she gets an infection in her remaining lung.
The accident also had a serious implications for the rest of the family and with Rog committed to nursing his recuperating wife, the farm was not financially viable and a difficult decision was made to give it up eight years ago.
Despite the devastating consequences of that day, Carmen considers herself fortunate that husband Rog was near and managed to summon medical assistance quickly. She realises she could have been alone and lain unattended for hours which, in her case, would have been fatal.
Tim added "Farm workers of any age run the risk of injury or death from livestock related accidents. Livestock can be unpredictable and there is always a risk from crushing, kicking, butting or goring. We should all learn lessons from Carmen's tragic accident and think very carefully before working with cattle to ensure it's done as safely as possible. Don't learn safety by accident. Take the time to think about what you are doing and what might go wrong as making a few simple checks could actually save a life – maybe your own!"
08 July 2015
Today members of Farm Safety Week UK & Ireland gathered at the Livestock Event NEC, Birmingham to celebrate day three of Farm Safety Week 2015. Minette Batters of NFU joined colleagues from the Farm Safety Foundation and NFYFC to highlight the issues surrounding transport and how to prevent transport related accidents on the farm.
According to Thomas Price, NFU and Farm Safety Partnership England member: "Today's focus is transport and sadly, over the last ten years, 29% of all farm related fatalities have been due to vehicle overturns and being struck by moving vehicles on England's farms. All terrain vehicles (ATVs), including quad bikes, can have fatal consequences if best practice is not adhered to. And still, even when it is, there is always the possibility that accidents can happen however you can take steps to reduce those chances and best protect yourself if an accident does happen."
Experienced farmer Roger James lost concentration and hence control of his quad bike whilst riding up a slope on his Powys farm and ended up underneath it. Roger admits that a moment's inattention changed his, and his family's life forever. "99 times out of 100 I wouldn't have gone up that slope on the quad bike,'" he says. "I just wasn't concentrating on what I was doing for those few seconds. I did it without thinking. Basically, I shouldn't have been there."
Roger was herding cows on his farm at the time. Before moving the herd, he set off on his quad bike to check out the new field. With a number of tasks in mind his attention slipped, just for a moment, from steering the machine along an appropriate route.
That fleeting loss of concentration meant he found himself riding up a slope instead of continuing his approach on level ground. The result was sudden and dramatic. The slope was too steep for the vehicle's stability. It tipped backwards and upended, throwing Roger on to the ground behind. As he lay there, stunned and unable to move, the tumbling machine landed on him. Half a tonne of falling metal hit Roger's unprotected body and smashed his pelvis. He wasn't wearing protective headgear so, serious as his injuries were, he considers himself lucky they weren't even worse.
"Only the previous week I'd got myself a mobile phone, and that was the life saver, really," says Roger. Despite his stunned state he managed to dial 999 for help, and also to ring his wife and son. His family members quickly located him, closely followed by a paramedic team in a first-response vehicle. The paramedics quickly assessed the situation and called for an air ambulance. In a commendably short time Roger was airlifted to hospital.
Roger spent eight days in traction before being transferred to University Hospital, Coventry for surgery. He then spent a further seven days in hospital and the following three months confined to bed. But the consequences of that momentary lapse are permanent. Roger's injury has left him in constant pain with limited mobility.
Roger had always been aware of the risks in the agricultural profession. "We spend our days working on our own in remote locations. We're constantly handling powerful machines. And these days we're doing more and more multi-tasking. It's vital to keep your mind on the job. I've had years of experience, and my motor bike background gave me even more capability with quad bikes. Yet that brief lapse of concentration took me and the bike where we shouldn't have been. Now I'm suffering the consequences."
Thomas added "Roger's story highlights that farm workers of any age run the risk of injury or death from transport related accidents. Working with ATVs, fork lift trucks, lorries and transport of all types is an ever-present danger on farms. Don't learn safety by accident. Take the time to think about what you are doing and what might go wrong as making a few simple checks could actually save a life – maybe your own!"
07 July 2015
Cumbria FYFC continued to rule the roost at national competitions, as it took home numerous awards at the NFYFC Competitions Weekend in Staffordshire. Cumbria collected five top awards, including the prestigious Junior Member of the Year award, which was won by Alice Longmire of Lowick YFC (pictured right).
Alice fought off competition from six other finalists, having impressed the judges with her answers about what being a Young Farmer means to her and how to bring in new members.
Alice, 18 and vice chairman of Cumbria's Youth Forum, couldn't hide her disbelief. "I'm still in shock" she said. "I can't really believe it! I don't think it's really sunk in yet! My parents were members and won competitions at county level but never at national level, so I'm really proud.
"People can sometimes have the wrong perception about Young Farmers. It's a lot more than standing in fields and working with tractors. You get great opportunities that people don't always see and that's why they don't necessarily want to join. They get the wrong impression. We need to show more people the amazing opportunities that come with being a Young Farmer and let them know that you don't have to work in agriculture to join."
There was even more reason to celebrate for Lowick YFC on Saturday, as another one of its members, Leah Clough (pictured right), won the Best Chairman award in the Junior Speaking competition. Cumbria came second in that team competition, but took first place in the Junior Reading competition. They also came third in the Fashion Make & Model competition and 2nd in the Cube Exhibit.
Devon FYFC also enjoyed a very successful competitions day, winning first place in the After Dinner Speaking competition. Daniel Grist of Cheriton & Tedburn YFC took home the Best Speaker award, while fellow club member Louise Putt won the best Vote of Thanks award in the Junior Speaking competition. Devon finished third in that event.
Alice had little time to celebrate her achievement as she was competing for Cumbria again in the Dodgeball competition at the National Sports Day at Weston Road Academy on Sunday. But it was Shropshire who dominated that particular event, with both of the county's teams reaching the final. Dorrington YFC (pictured below) won a pulsating final against Whittington & Oswestry YFC to take home the trophy.
However, Cumbria dominated once again by taking home two more 1st places, as Richard Lawrence, Kent Estuary YFC, and Heidi Dent, Pennine YFC, came first in their respective senior cross country competitions.
Devon too enjoyed further success at Sports Day, coming first in the team cross country competition, while Jordan Ford of Witheridge YFC came first in the intermediate male cross country competition.
Yorkshire came out on top in the Kwik Cricket competition, beating Wiltshire YFC in the final.
A full list of results from Competitions Day and Sports Day can be found by visiting our Competitions Results page.
Head over to our Facebook page for all of the best photos from the weekend.
07 July 2015
Do not learn farm safety by accident – this is the theme of the third annual Farm Safety Week supported by NFYFC and the Farm Safety Foundation. From falls and transport to child safety – Farm Safety Week takes place from 6-10 July and offers five days of themed practical advice and guidance for farmers and coincides with the Livestock Event at Birmingham NEC.
According to Alan Plom, Chair FSP Machinery Group: "Taking precautions to ensure the safety of you and your workforce can save lives and help prevent serious injury. Much of farm work is carried out using heavy machinery and equipment and it is imperative that farmers put the safety of themselves and their employees first. Over the last 10 years, six people have been killed by contact with the moving parts of equipment or machinery – eight per cent of all fatalities."
After losing his foot in a harvesting accident, self employed farmer Dave Allen of Cornwall is keen to highlight the harsh reality of learning safety by accident.
A third generation farmer, Dave shared his story which began in 2008 a poor year for harvesting. Wet weather had restricted work but finally the climate had changed and now that it was drier and brighter, Dave was able to resume harvesting the wheat down in Cornwall.
On this occasion Dave was working alone when a little of the grain got stuck in the tank of the combine harvester, and Dave did what he, his father, grandfather and others had done for the last 30 years and got into the tank to release it by kicking it to make it move. However, Dave's decision to rectify the situation as quickly as possible would lead to horrific consequences.
Dave explained what happened next: "Rather than using the ladder to enter the tank, which would then stop all the mechanisms, I decided to go in over the top – which meant the mechanisms were still fully operational."
"The machinery got hold of my boot so I tried to pull my foot out of it. I managed to release my leg but realised that something was seriously wrong. I was wearing a boiler suit and couldn't see the bottom of my leg – but I knew from the weight that my foot was gone. I also knew that it was only a matter of moments before my boiler suit was going to get caught and then that would be it. I knew I had to get out of the grain tank or I wasn't going to survive," he recalls.
Fully conscious, Dave managed to haul himself out of the tank onto the cab roof of the combine harvester, climbed down into the cab where his phone was and rang the contractor he was working for to get him an ambulance.
After spending a month in hospital and a month with family learning to move around with crutches, Dave then had the painful process of learning to walk again, months of physiotherapy and adapting to a prosthesis. Even after everything he endured Dave considers himself one of the lucky ones…
"I have been so lucky. I've had a good support system around me and the contractor I was working for continued paying me so there was no hardship financially. Not everyone is that blessed. It was five months before I was able to return to work and life could have been much worse than it turned out to be."
never broken a bone in my body before that day," he says, "Everybody
in farming knows somebody who has been injured or killed in an accident. My
advice to others is quite simple: do not do what I did. Just really think and
realise that these safety devices are there for a reason and do not over-ride
them. One day it could be you. Don't think it only happens to others. I'm proof
that isn't the case."
James added: "This Farm Safety Week we are echoing Dave's call not to learn safety by accident. PTO shafts are dangerous and can rip off a limb or kill in seconds. Make sure they are fitted with proper guards that are correctly used and maintained. A properly guarded PTO shaft prevents life changing injuries and even death. Always take your time to think about what you are doing and what might go wrong as making a few simple checks could actually save a life – maybe your own!
Designed by Kevyn Williams


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The SaveSession Widget for ArcGIS Web AppBuilder enables users to save the current map settings into a session and restore them again later. A saved session includes the extent, visible layers and annotations of the current map. Sessions may be saved and loaded from files so they can be shared with others.
Using the Widget
The SaveSession Widget is an in-panel widget that will be displayed in the toolbar of your WebApp Builder application. Click the icon display the SaveSession panel.
Saving a Session
Once you have the map just the way you want it - zoomed to the area and layers turned on, enter a name for the session and click the Save button. The session will be added to the Saved Sessions list.
Restoring a Session
To return the map to the same state as when you saved the session, you can double-click the title of the session to load the map.
Managing Sessions in the List
Hover over the Actions column for a session entry to reveal the actions that can be performed on the entry.
Load Map = will load the restore the selected session to the current map
Download Map = will save the session entry to a file that may be shared.
Edit = allows the user to change the session name
*Move Up - Down * = lets you arrange the entries in the session list in the desired order
Delete = click the Delete button to remove the entry from the list
Sharing Sessions
Saved Sessions may be shared with other users or another browser on the same PC by saving the session to a file and then loading the session from the file into the session list.
To save a single session to a file, click the Download Map action for the entry. To save all sessions in the list to a file, click the Save to file link.
To load the sessions from a file, click the Load from file link to display the Load sessions from file dialog
Click the Choose File button and select the file to load. The selected file must be a saved session file. All sessions from the file will be loaded. If a loaded session has the same name as an existing session, a number will be appended to the session to make the name unique.
Widget Setup
Source code and installation instructions may be found at GitHub - softwhere/SaveSession-Widget
v2.7 - released on 4/3/2018
Thanks to the City of Garland, Texas for sponsoring the initial development of the SaveSession Widget and releasing it to the community.


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Wordwall makes interactive activities and I like the look of this new tool for creating engaging content for the IWB. I particularly like the idea of the simplicity with which it seems resources can be created which would appeal to a wider number of staff who are sometimes put off by having to learn difficult new software. The promotional information says that teachers can choose from a variety of templates and with just a few words and a couple of clicks create something that wouldn't have been possible traditional presentation software. There is a free personal licence for teachers to use on their personal computers and a variety of licensing options beyond that.
There is also an additional option for buying Wordpads to enable students to directly interact with the activities.
There is a software demonstration video here:
Filed under: Interactivity, IWB | Tagged: Interactivity, IWB, Wordpad, Wordwall | Leave a comment »


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Discussion Paper
We address the following question: how does a higher education funding system influence the trade-off that universities make between research and teaching? We do so by constructing a model that allows universities to choose actively the quality of their teaching and research when faced with different funding systems. In particular, we derive the feasible sets that face universities under such systems and show how, as the parameters of the system are varied, the nature of the university system itself changes. The culture of the university system thus becomes endogenous. This makes the model useful for the analysis of reforms in funding and also for international comparisons.
Paper submitted to the special issue
Quasi Markets in Education
Comments and Questions
Response to referee in attached pdf document.
See attached file.
The relatively recent, though limited, literature that deals with the microeconomics of Higher Education Institutions, has mainly focused on an Industrial Organization approach of the problem, emphasizing strategic behavior either between or within universities. The present paper deliberately neglects strategic interactions and confines itself to a perfectly competitive quasi-market world. ...[more]
In my opinion, this is a very good starting point. In a sense, what this paper aims at is to build a microeconomic theory of competitive universities that would mimic the analysis of the competitive firm in the standard neoclassical model. Such a contribution is certainly welcome given the present state of theoretical literature. This is not a trivial task, in particular because HEI exhibit specific features such as having inputs (students) who are also outputs or being multi-product entities (teaching and research). The authors carefully study the interplay between funding issues and the allocation of academics' time to build a model that allows them to study the extent to which research funding schemes affect the distribution of HEI types as a function of their preferences. And they show it does in a very meaningful way.
Of course, the paper is only a starting point and the results are obtained at the price of serious simplifications. However, I view it as a promising starting point. It should provide food for thought to most scholars interested in developing microeoconomic analysis of HEI quasimarkets.
see attached pdf file


text: Hobbies Astrology Aquarius New Moon - February 8, 2015 Bright Star Share PINTEREST Email Print Tim Robberts/Getty Images. Astrology The Moon & Moon Signs Basics 12 Signs of the Zodiac Trends & Horoscopes The Sun & Sun Signs The Houses Love & Compatibility By Molly Hall Molly Hall is an astrologer, tarot reader, and author of "Astrology: A Complete Illustrated Guide to the Zodiac." our editorial process Molly Hall Updated March 06, 2017 The surf is up, to ride new waves. Aquarius whispers to go beyond, see into deep space....invite surprises Though it's pitch dark at the New Moon, its pull is strong physically (with tides and our own waters) and symbolically. It's the Dark Moon, when the star canopy above is most visible. Aquarius at 20 degrees - February 8th, 2016 Aquarius brings the energy of scrambling (Uranus), but also of establishing a new order (Saturn). There can be some dramatic waves of waking up, that are unsettling, but also freeing. Aquarius' two rulers Uranus and Saturn are making friendly angles at the New Moon. New Moons are passageways of change -- this lunation is buzzing with potential for crystal clear sight, a rousing influx of fresh currents and jolts that wake us up further. Aquarius is the sign of freedom, and that's in part because of the gift of heightened awareness. When we are discouraged, our field of vision narrows, and then feel powerless and bogged down -- a loop that can feed on itself. There can be a social frisson, and quick playing off each other, in the quest for a vision worth living and fighting for. Oh, what am I saying here, there's a freaking contentious atmosphere out there! The level of rancor is astronomical, and the fruits of relentless divide and conquer programming are being harvested. Astro-wise, Venus is in a mood for serious and foundational change, in Capricorn. And Venus has been in a restless square to Uranus, while being empowered by penetrating Pluto. Bottom line is, that it's a time of standing with those that you share common ground with. And when necessary, breaking with those that have a conflicting world view or vision for the future. Courage of Convictions The individualistic streak of Aquarius makes this one for standing on the courage of your convictions. The friction may lead to a personal decree, that's been a long time coming. Aquarius, though, don't forget is an air sign, and is able to stay above the fray. So many are being drawn into the polarizing traps of our times. This can be a time for a reality check, to pull back and take a breather. This too, is a kind of freedom. Observer's Mind I love Aquarius season, because I can really think -- life feel spacious. I was drawn to an article called The Undistorted Power of Attention by Soren Dreier. It begins, "Our attention is the most powerful instrument we have: That's why everybody wants it." And later, "Lots of people are saying: My life is a mess. What they really are saying is: I cant focus my attention. Because the minute they do, order will come into place." This draws my mind to Aquarius' other ruler Saturn (order), and the power of the mind to fix in a reality that's got shape, and is based on humane ideals. So, go ahead and let old patterns swirl in the cosmic drain, in these last months before Spring. The in-between is that landscape of creative chaos -- what will happen? This lunation is one to experiment with the power of attention, and see what's possible.... The inspired world view comes alive, when its infused with vital energy. By committing to your own disengagement from the hive mind, you become that trailblazer and light-holder for others. The Waterbearer invites us to draw in a fresh wind of new energies -- where is your trapdoor to the higher mind? See what's up with Aquarius New Moon in the Houses. Lunar Imbolc This New Moon is considered auspicious as a doorway to finer cosmic vibes. It's Lunar Imbolc, or Candlemas. It's time for idealism, and welcoming fine fresh vibes and possibilities. All is new, as the Sun grows stronger everyday, and we sense Spring just around the corner. At Imbolc, we light candles and ask for faith to see us through the last days of winter. The New Moon is a time of beginnings. You can set intentions or do a New Moon Ritual that grows with the lunar light and reaches fruition at the Full Moon. Aquarius is about shared energies, in groups, making this key for coming together in ritual. You'll want to be sure you're on the same wavelength, since group harmonics play an important role now. If you're not in synch with your current circle of friends and colleagues, go out and seek those that are an inspired match. This New Moon is about allies for the future, who are tuned in to the highest vision for the whole. What's in the Air: brainstorming innovationsemotional detachment, but with egalitarian attitudeglobal networking for causes, social changemeditations for peacedignity of the individualglamour and futurismshocks to the status quounited communitiesahead-of-its-time thinkingThoughts are Things. New Moon in Aquarius themes: Upgrade the quality of your thoughts.Hit the reset button of your mind.Rising above polarizing left/right paradigms.divination: divining the future.Connecting with like minds, as part of "evolutionary" family.Letting go of negative influences on your mind.Freeing yourself from mind control.Being your own guru, authority, wise one.Contributing to the collective visioning process. It's a Good Time to: show appreciation to your colleaguesjoin an association, union, club, group or party circuitdevelop a privacy barrier in your virtual lifemeditation, pray, do yoga or any other focused moving artfish around your imagination for a genius ideabreak out of your mental boxesShake up your routine, to see life from new anglesmake friends with someone eccentriclet your own freak flag flyjoin with those creating the future you want to seebe a visionarybe a revolutionarybe free


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Thank to the amazing bloggers and hosts that put this event together this year!!! Jaime from Two Chicks on Books, Rachel from Fiktshun, Bridget from Dark Faerie Tales and Nancy and Christy from Tales of a Ravenous Reader!
Monday, December 26th – Best Books I've Read in 2016 (Doesn't have to be released in 2016, just a book you've read in 2016)


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Aaron Bleidt
Principal/Managing Director of Vantage Point Communications
[dropcap]W[/dropcap]ith 17 years of leadership experience in media, marketing and publishing, Aaron Bleidt served from 2000 to 2010 as founder/publisher and executive editor of CitiScapes Metro Monthly, Northwest Arkansas' longest-running regional lifestyle magazine. Upon selling the publication, he established Vantage Point Communications. Through Vantage Point, he has led numerous successful marketing and public relations campaigns, particularly in the mid- to large- nonprofit, arts and culture, tourism and community development sectors.
A longtime participant in civic and community affairs, Aaron has served on a number of government and nonprofit boards, including a gubernatorial appointment to a state commission and being elected to three terms (1998-2005) in office representing Fayetteville on the Washington County Quorum Court, the county's legislative body. He was selected as a volunteer intern to the White House during the Clinton Administration as part of the Arkansas Traveler II White House program, working in the Executive Office of the President and National Economic Council.
Aaron is an avid art collector and can often be found on his mountain bike or kayak, exploring the great Northwest Arkansas outdoors. He also enjoys travel writing and sharing with the world just how great his hometown region of Northwest Arkansas really is!
Hometown: Fayetteville
Occupation: Principal/Managing Director of Northwest Arkansas-based advertising/marketing firm Vantage Point Communications (VPC), representing Crystal Bridges Museum of American Art, Walton Arts Center, the Symphony of Northwest Arkansas, Northwest Arkansas Tourism Association and Butterfield Trail Village, among others.
First job: My first official "W-2 job" at the age of barely 14 was as a sacker/cashier/stock-boy at the local downtown IGA grocery store.
What are you passionate about: A lot. Art collecting (both personally and for others), tropical travel, kayaking and the great outdoors, family (including our two pups Baxter and Gus), writing clever turns of phrase, the importance of close friendships, truth, kindness, compassion and social justice.
Favorite place in the world: Aside from the obvious Northwest Arkansas answer, I'd have to say Virgin Gorda in the British Virgin Islands… in particular the otherworldly, boulder-strewn beach area known as The Baths. Google-image it and thank me later.
What attracted you to your career? The idea that carefully curated words and images can change the world.
Personal motto: "Live it or lose it. And be kind doing it."
What you love most about what you do? Getting to contribute to regional projects that really matter and that ultimately create lasting and indelible experiences for folks across all walks of life – whether it be a concert or art exhibition, the local culinary and craft brew scenes, the region's epic trails, or a premier residential lifestyle, our VPC team markets experiences that feed the soul. That, and the ways in which our efforts also help foster and support regional partnerships and collaborations, which in turn create even more opportunities for making NWA one of the best places in America to live, work and play.
What's left on your bucket list? I'd like to think that my bucket list is ever-evolving, so it's hard to say "what's left," but the top of the list might read something like this: Visit Iceland and Machu Picchu, witness a red-hot lava flow (I don't care where) and book a flight on Sir Richard Branson's Virgin Galactic spaceline; publish my in-progress collection of satirical, sardonic and unabashedly sarcastic essays about life growing up in what I lovingly refer to as the "Upper Northwest Mid-South;" and maybe, just maybe, run for Congress… Wait, what?! Not really on that last one. Although the thought has crossed my mind.


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$ 29.99
Each poster is hand-printed and handled, to make sure that only the highest quality is offered and sent out. The matte paper and high quality of inks make for a vibrant image which looks great both framed, and au-naturel. Printed in Los Angeles, CA, on Epson Enhanced Matte Paper, heavyweight stock, high color gamut, using Epson UltraChrome HDR ink-jet technology. Framed posters offer the same, museum-quality printed poster, but wrapped in a protective black frame. The frame is lightweight and includes a shatter-resistant acrylite front protector, so it won't break in the mail. International orders may be subject to customs duties & taxes.
The message in this piece is clear: Abolish Ice. The Native woman represents our ancestors who were warriors and healers. The Cactus represents resilience, and like the cacti we have everything we need within. We are protected by the thorns that represent our ancestors, and we are in a time where love is the answer. The yellow roses represent the importance of unity. - Alma Aviña


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Chungliang Al Al Huang
JKP publications by Chungliang Al Al Huang
Chinese Symbols for Baby Brains
Chungliang Al Huang with Lark Huang-StormsThis introduction to the Chinese language uses bold, high contrast calligraphy to capture a baby's eye. With the imagery designed to help increase a baby's visual attention and stimulate brain development, it is the perfect book for parent and child to learn the very basics of the Chinese language. Learn More2017, Ebook, PDF, 32pp, £8.99ISBN: 978-1-78450-764-02017, Board book, 7.83in x 7.17in / 199mm x 182mm, 32pp, £8.99ISBN: 978-1-84819-376-5
Tai Ji Dancing for Kids
Five Moving Forces
Chungliang Al Huang with Lark Huang-Storms and Sylvia Yulan StormsShowing kids how Tai Ji can be fun, this book gives a simple and charming introduction to Tai Ji. Covering the five elements and some of the basic sensations, it will help children to get in touch with their bodies and minds. Learn More2017, Hardback, 10.28in x 7.13in / 261mm x 181mm, 40pp, £10.99ISBN: 978-1-84819-372-72017, Ebook, PDF, 40pp, £10.99ISBN: 978-0-85701-329-3
Go Ask the River
Evelyn EatonGo Ask the River is the haunting story of the female Chinese poet Hung Tu, tracing her rise from Flower-in-the-Mist to Official Hostess at the court of the governors of the Silk City, and her love affair with the poet Yuan Chen, against the backdrop of the scholars, poets, officials, and warring factions of ninth century China. Learn More2011, Paperback / softback, 8.46in x 5.55in / 215mm x 141mm, 288pp, £12.99ISBN: 978-1-84819-092-42011, Ebook, ePUB, 288pp, £12.99ISBN: 978-0-85701-075-9
The Chinese Book of Animal Powers
Chungliang Al HuangFor thousands of years, the Chinese have believed that we are born with the characteristics and powers of an animal, depending on the month and year of our birth. Now readers of all ages can discover for themselves the fun and wisdom of this age-old Chinese tradition in this exquisite book by celebrated author and artist Chungliang Al Huang. Learn More2011, Hardback, 10.28in x 8.98in / 261mm x 228mm, 32pp, £12.99ISBN: 978-1-84819-066-52011, Ebook, PDF, 32pp, £12.99ISBN: 978-0-85701-037-7
Embrace Tiger, Return to Mountain
The Essence of Tai Ji
Chungliang Al Huang Photographs by Si Chi Ko With a new introduction by Chungliang Al HuangWritten with true passion and eloquence, the book richly conveys the subtle yet profound principles underlying Tai Ji. Movement, stillness, joyfulness, and the ability to live in the moment are the threads running through the text, as well as the humor and compassion to acknowledge the impossibility of human perfection. Learn More2011, Paperback / softback, 9.21in x 7.24in / 234mm x 184mm, 224pp, £14.99ISBN: 978-1-84819-052-82011, Ebook, PDF, 224pp, £14.99ISBN: 978-0-85701-038-4
Essential Tai Ji
Chungliang Al Huang With photographs by Si Chi KoChungliang Al Huang shares the basic movements of Tai Ji - and its relationships with nature, space and time - alongside stunning, inspirational photography by Si Chi Ko. The book promotes strength, relaxation and clarity, as Master Huang teaches how to unify mind and body, achieving a healthier and more fulfilling state of being. Learn More2011, 80pp
Quantum Soup
Fortune Cookies in Crisis New and enlarged edition
Chungliang Al HuangPeppered with a delicate mix of wisdom and humour, this new and enlarged edition of Quantum Soup is a light-hearted yet informative combination of happy anecdotes and traditional Chinese sensibilities in a Western setting. Every mini-essay is accompanied by the author's calligraphy and illustrations, including those appearing for the first time. Learn More2011, Paperback / softback, 11.61in x 8.27in / 295mm x 210mm, 160pp, £16.99ISBN: 978-1-84819-054-22011, Ebook, ePUB, 160pp, £16.99ISBN: 978-0-85701-036-0


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Join HellsGate in our Quest to Save the Tatas
"Raising Money for Breast Cancer Awareness Education and Screening"
You are saving lives by helping provide Breast Cancer Awareness, Education and Screening throughout Volusia and Flagler Counties!
When: Sunday, September 27, 2015
Where: Florida Hospital Fish Memorial
1055 Saxon Blvd Orange City, FL 32763
Donation: $25 per rider and $10 for additional person
Entries include: Pink Army Breast Cancer Awareness Information and promo items (Event T-Shirt & Complimentary Breakfast)
Note: You are helping save lives by participating in this event. 100% of the proceeds raised by the Pink Army Ride will help pay for mammograms, breast ultrasounds, stereotactic breast biopsies, education and other specifi diagnostic services to aid in the early detection of breast cancer for qualified patients in our community who might not otherwise be able to afford them.
Thanks to the following sponsors
Rossmeyer Harley Davidson, Florida Hospital and Iron Order MC
Cars are also Welcome
Schedule of Events
- 9:00 am – Continental Breakfast, Goodie Bag Distribution, Registration and Hospital Tour (Women's Center)
- 10:30 am – Official Welcome by FH representatives, Pre Ride Meeting and Pink Army Flag Distribution to all participants
- 11:00 am – Kick Stands up and non escorted charity ride begins
- 12:00 pm – Pink Army Flag Raising Party begins at Bruce Rossmeyer Harley Davidson, Destination Daytona with Live Music and Food/Beverages available for purchase
- 1:30 pm – Pink Army Flag Raising Ceremony
REGISTER at www.pinkarmyride.com
Please Note: Event Indemnification Waiver will be available for you to sign at the start of the ride.
You may call Pink Army Ride Chair, Rich Stanfield at (386) 864-5156, or email him at firstname.lastname@example.com
For those of you traveling from afar, Howard Johnson is offering a "Pink Army Ride" discounted room.
Call (386) 944-1500 (mention Pink Army Ride).
Boys and Girls Club Ride Updates
You'll be kicking yourself for missing this event if you don't make it out. We have so much going on, you won't know what hit you. 100% of proceeds will go to the Local Boys and Girls Club There are so many amazing prizes being raffled off throughout the day as well as a 50/50 raffle. We'd like to thank the following businesses for donating raffle prizes to help make our event memorable and fun:
Holiday Isle Oceanfront Resort
Painting With a Twist Jacksonville
This is to name a few that are in hand. We have more coming in daily. We will keep you posted!
Please visit our event page for more details and to pre-register for the even HERE!
Please visit our sponsorship page if you're interested in being an event sponsor. There are limited spots available and the deadline is June 1st. Click HERE for sponsorship details.
Private Pre Party to kick off the Boys & Girls Club Ride Weekend
We are partnering up with a local venue to throw a hell of a Bash kicking off the weekend of the 4th Annual Boys & Girls Club Ride. This party is for Patches, Rockets, Maidens & their guests only by invitation. The place is ours for the night. Paul at Club Fusion at Johnny's is donating a portion of the drink sales to the event. Lets pack the house & show him how much we appreciate his support of our cause & his hospitality in opening his doors to our club!!


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The leading event of the Public Sector for Digital Transformation unites a wide range of program parts, such as plenums, future forums, interactive events and best-practice dialogues. The arena of solutions as well as the central networking on the exhibition area are further classic program parts that have firmly established themselves in the history of the Future Congress. With the "BarCamp U30" and the Future Congress Leadership Forum in the run-up to the Future Congress as well as the 360 degree special topics and "Special Conferences" we are expanding our diversity, without losing sight of the genetic code of the congress, the optimization of state structures and practical administrative work.
The concrete design of the program parts takes place in different formats. On the basis of the respective topic of the program part, we develop the appropriate format and thus open up interactive possibilities of presenting content and people. In addition to classic formats such as podium discussion, presentation, keynote and interview, fishbowl discussions, questions & answers and world cafés are also part of the event.
We map the heterogeneous structure of the participants from politics, administration, staff councils, procurement agencies as well as IT and security experts in a thematically networked way and create a multitude of starting points for networking.


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- Home
- About Us
- Community
- Worship
- Youth & Family Engagement
- In The News
- Donate
Religious School
Temple Tikvah's Religious School creates positive Jewish memories that our students and parents cherish for life. Our school provides instruction and develops student mastery of Jewish history, prayer, observance of customs and rituals, while encouraging students to live ethically, performing mitzvot, and acts of Tikkun Olam. We nurture a connection, commitment, and solidarity with Israel. We build a strong temple community by fostering the partnership between spiritual leaders, teachers, students, and congregants.
Our Religious School meets on Sunday mornings and supplements Hebrew learning through individual and/or small group tutoring (virtual and in-person) during the week and online practice sessions.
Temple Tikvah Chai School
Chai School — A dedicated program for eighth through twelfth-grade students, our curriculum focuses on discussing the pertinent issues of the day, studying a variety of topics, participating in many social action activities, and attending NFTY NAR events and weekend retreats.
Many of our Chai school students earn community service credits by serving as madrichim, or student teachers, in our Religious School.
Confirmation occurs at the culmination of the tenth grade.
Temple Tikvah Religious School families help plan and participate in many events and support the school through an active PTA and Religious School Committee. Parents volunteer their time to prepare and participate in school-wide holidays and Kollels – where parents and their children join together on a Sunday morning to study Jewish themes and to participate in scheduled family programs.
Monthly Junior Congregations and grade services build student's confidence in participating in and helping to lead services.
All student's study for their B'nai Mitzvah with Rabbi Sheinberg and in addition to reading from the Torah and Haftorah, they lead the service on the morning of their B'nai Mitzvah.
Special Education
We provide a Jewish experience for all children and offer dedicated special education staff to support students who are not accustomed to being mainstreamed. Our staff is experienced in meeting the needs of children with special needs, and we provide push-in support, as needed.
We provide differentiated instruction to meet the needs of all learners. Our children's religious and spiritual education strives to meet the challenges of the 21st century by providing an enriching, supportive, and joyful atmosphere. At Temple Tikvah, we welcome and cherish your participation and involvement.
Click here for a Registration Form
For more information, on our Religious School Program, contact our Education Director, Sharon Fricano.
Tue, August 11 2020
21 Av 5780
Worship Schedule
Saturday ,
AugAugust 15 , 2020
Shabbat, Aug 15th 9:00a to 10:00a
Friday ,
AugAugust 21 , 2020
Friday, Aug 21st 6:45p to 7:15p
Saturday ,
AugAugust 22 , 2020
Shabbat, Aug 22nd 9:00a to 10:00a
Saturday ,
AugAugust 29 , 2020
Shabbat, Aug 29th 9:00a to 10:00a
Upcoming Events
Thursday ,
AugAugust 13 , 2020On The Marc - Sports Talk With Marc Gold
Thursday, Aug 13th 4:00p to 5:30p
Saturday ,
AugAugust 15 , 2020Family Havdalah Program
Shabbat, Aug 15th 7:00p to 9:00p
Wednesday ,
AugAugust 19 , 2020Family Bingo
Wednesday, Aug 19th 7:00p to 9:00p
Thursday ,
AugAugust 20 , 2020On The Marc - Sports Talk With Marc Gold
Thursday, Aug 20th 4:00p to 5:30p
Thursday ,
AugAugust 27 , 2020On The Marc - Sports Talk With Marc Gold
Thursday, Aug 27th 4:00p to 5:30p


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If I had a few wishes to use, this would certainly be one of them.
Tag Archives: solutions
Am I Broken?
Practice Positivity
Feeling Grateful
Positive Mondays
It's Monday again, which means a fresh new start to your week!
Here are some tips for making your Monday a little less blue. Lets do this!
1. This is your perfect chance to correct any mistakes you made in the previous week! Make a list of everything that you want to accomplish by next Monday to keep yourself motivated & see how many things you can tick off your list during the week 🙂
2. Organise something exciting to do on your day(s) off – The week is always easier to get through if you know what's waiting for you when the weekend shows its pretty little face!
3. Realise that before you know it, the weekend will be here! *Flash back to last weeks Friday dance*
Happy Monday 🙂 ! xo
To get anywhere in life, you have to be prepared to make mistakes. Ask anybody who has gone far in their life if they have ever made a mistake. If they say no, quite frankly, they are lying to you. Everybody makes mistakes, it's ok!
You will learn your greatest lessons from your worst mistakes.
Pick yourself up, have faith in yourself & try again, you WILL get there! 🙂
Who You Are
You are a unique human being.
Nobody in the whole world is made exactly like you.
Be proud of who you are 🙂 ! Don't waste any energy on wishing you were somebody else, overlooking how special YOU truly are.
Your "flaws" are what make you stand out in the crowd, they are what make you so incredibly beautiful.
In time, I hope you can see just how special you are, as special as you are to me.
(Did you spot the hidden message in this post? Look again. I'm talking to every single person that reads this, don't count yourself out. You are precious.)
A Cure For Your Monday Blues
Valentines Day Cards – HELP?!
Please feel free to check out last years post about sharing the love on Valentines Day 🙂 : https://pinkdustydreams.wordpress.com/2014/02/03/love/
I know this time of year can be difficult for those in a relationship & equally as hard for those wanting to send a secret card to somebody they have a crush on. What gift do I buy/do I even buy one? What card should I get? What will I write?!
So this year, I thought I would give you a little help with that ..
Not sure what card to get? Here's a few fool proof options that I found on the internet for you:
^ Nothing says I Love You like pizza.
^ Smooth. Real smooth.
^ One for the classy crush 😉
^ The card that says it all for you, so you don't have to. & Of course, a F.R.I.E.N.D.S related card. Because, who doesn't love that show?
.You're welcome.
……… I'm just kidding 😉 , I hope you liked this jokey Valentines Day blog post & it made you smile. Have a fantastic Valentines Day for tomorrow whether you're single & sharing the love with your friends & family or if you're lucky in love & spending quality time with your other half.
Happy Valentines Day! Spread the love. x
Color Run UK 2015!
This year myself & a few others have entered into the Color Run UK!! AKA The happiest 5K on the planet.
Our team name is Skittles & we are extremely excited to be taking part in this years run, we can not wait!! It makes it even sweeter because the chosen charity for this year is the NSPCC – If you don't know what that is, it's the leading childrens charity here in the UK & Channel Islands that helps abused children.
Things that this charity do to help are:
- Protect children from sexual abuse & exploitation
- Provide specialist support for minority ethnic families
- Support children in care
- Provide tools to help social workers deal with neglect
- Help families who misuse drugs/alcohol
- Reduce the impact of domestic abuse on children
- Work with families with parents with mental health problems
- Support young witnesses to give evidence in court
- They have a 24 hour helpline with professional counsellors
- Also, they have a Childline for young people to call for help
- Campaign to change laws to protect children
"Every child is worth fighting for"
If you are able to donate to this amazing charity then please click this link to go to our fundraising page, it's very quick & easy to do & ANY amount is welcome!
To anybody who decides to donate – Thank you so much, you're giving children a chance for a new start, you're showing them that they DO matter & ARE worth fighting for. Perhaps you could leave a note on there, your blog name or just something so I know you donated because of this post so I can come & say thank you to you! To know exactly how your money will be used, you can check out the NSPCC website 🙂 .
Thank you for reading.
Important information:
If you want to find out more about the NSPCC please click here: http://www.nspcc.org.uk/
NSPCC Helpline – If you're worried about a child, contact the professional counsellors 24/7 for help, advice & support 0808 800 5000 or email: email@example.com
If you are 18 or under & would like free, confidential advice and support call 0800 1111


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Don't let 'em write business plans and start new ventures, make 'em be doctors and lawyers and such!
Here's to the greatest mother in the world, Marilyn Kaple, whom the world has to blame for any excesses in volume, drama, stubbornness, talkativeness, creativeness, can do pro activeness and all genuineness, passion, loyalty and love that I may personally possess!
And here's to the greatest mother-to-be, Stephanie Kaple, whom the world has to celebrate for not only putting up with all of the above but contributing her own insightfulness, understanding, confidence, support, nurturing, growing and caring enthusiasm into my life everyday!
It is very fitting that my release of the second Kaple 2.0 Chapter on growing up in Dayton be on Mother's Day. It was my mother that started to bring this story to life and its my mother-to-be that will start its new beginning with our own family soon.


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The TWSBI Vac 700 fountain pens and nib units have been modified and updated, and are now available as the TWSBI Vac700R. The TWSBI Vac700R fountain pen in Clear with an extra fine stainless steel nib is a departure from the piston filler fountain pens found in the rest of the TWSBI lineup. The TWSBI Vac700R fountain pen has a see-through clear colored plastic body, which makes checking the level of your ink a breeze. The smooth writing steel nib, frosted clip, and silver trim accents make this larger sized pen a real workhorse!
The Vac700R fountain pen has been updated by modifying the 2 valves in the older version into one valve in the new model. The grip and feed section of the pen has also been enlarged and tapered, which combined with the valve modification, increased the ink flow of the pen by a small percentage. Because of these changes to the pens and nib units, the TWSBI stainless steel Vac700R replacement nib will fit only the new Vac700R fountain pen, and will NOT fit the older Vac 700 pens. If you own an older Vac 700 fountain pen, then the older style Vac 700 replacement nibs will fit your pen.
This vacuum filler pen holds a LARGE amount of ink, and fills by unscrewing the end cap, pulling it out, and then the pen fills on the downstroke. Be sure to hold the pen in the ink for several seconds after pushing the end cap in, and for best results, you should do this twice. The TWSBI Vac700R fountain pen fills with bottled ink only, and for best filling results, the TWSBI Vac 20A ink bottle is a wonderful option.
Read a full review of the Vac 700 here at our blog!
Can't ask for better, quicker service.
I have not inked the pen but dipped the nib to determine the writing characteristics. It is very smooth with defined lines of the stub nib. As always service from Anderson Pens is first rate.
A little uncertain about getting the "fine" nib but very happy with it in the end. It has the qualities of a medium nib in terms of feel and the line does not seem as narrow as it might have been. Everyone says "Asian" nibs are finer. Is that really the case here? Really nice pen––line goes on fluidly, effortless.
I have the EF nib. It writes well even on cheap paper where other pens show a lot of feathering. Nib is scratchier than I expected but much less scratchy than my Lamy Safari AL. Overall I like writing with this pen. The construction is excellent. I filled it wrong but have watched the videos and will try again.
Was notified when it was available, and shipped the same day! Great service, Thank you
I did a lot of research before settling on this pen. Everything I saw indicated that the TWSBI pens in general are "love them or hate them" pens with some QC issues but wonderful customer service.
I'm happy to report that I'm on the "love it" side of things. The pen is easy to fill even though there's a simple trick to filling it all the way. The nib, while not as fine as I prefer, writes as smooth as silk with Noodler's X-Feather ink. The pen's body is a bit thicker than I expected, but it felt really good in my hand. It gets a bit top heavy when posted, so, but it does post. It's wonderfully balanced when not posted though, so I don't think I'll be posting it much.
This pen has skyrocketed to the top of my rotation, and with the ink capacity, it's got the endurance to get the job done. I love this pen.
5 stars
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text: SIZE: Other (cupcakes) SKILL LEVEL: Easy Shimmering icing roses play host to fluttering butterflies on these lovely cupcakes, reflecting Pantone's 2012 Color of the Year! 1. Pipe a large dollop of icing on each cupcake using a #104 petal tip (Item #11046), and then using the same tip, start the center of each flower on one side of the dollop. 2. From this center outward, pipe petals until the entire dollop is covered. 3. Spray Tangerine Orange Shimmer Airbrush Color (Item #47163) over each flower, and finish by placing a Butterfly Assortment Dec-Ons® decoration (Item #47119) near the center of each rose. Decorating idea by Charra Jarosz


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Atari 2600 Controller – 1977 – Contained the bare minimum controls for the movement of a sprite (2D Image/Character) across a 2D plane.
NES Controller – 1983 – Brought more than just the basic directional controls, it sported two buttons that don't affect in game character controls. It also had an extra button for more elaborate control of the character
Sega Mega Drive Controller – 1988 – Had the same type of controls as the NES controller, with an extra character control button. The directional pad was upgraded, instead of being limited to 4-way, you could now move your character diagonally in the game.
PlayStation Controller – 1994 – Introduced more buttons and a comfortable shape for prolonged gaming sessions.
Dreamcast Controller – 1998 – Changed the shape of the controller to cater for a memory card in the controller. It also had an analogue thumb stick, for incremental movement controls.
Original Xbox Controller – 2001 – Introduced more buttons and analogue triggers for more accurate acceleration and braking for racing games.
PlayStation 3 Controller – 2006 – Had wireless capability, and had rumble feedback. The triggers were also analogue. This controller also had a home button for more social capabilities.