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30 Most Affordable Online Bachelor's In Finance
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We compiled this list of the 30 most affordable bachelor's in finance by looking at a number of factors and created what we think is a pretty handy guide to find the program that best fits your interests and pocketbook. We ranked the schools using the rubric described here.
Are you undecided as to what major to pursue? Check out our article 5 of the Easiest Online Bachelor's Degrees. If you are looking for a way to find high-quality, online degree programs for the best price, check out our ranking of the Most Affordable Online Bachelor's Degrees.
#1 – Dickinson State University
Dickinson, North Dakota
Dickinson State University tops this list of the most affordable online bachelor's in finance.
Bachelor of Business Administration with a Major in Finance Online
Tuition: $8,918
Dickinson State University was established in 1918. With a student to faculty ratio of 10 to 1, the school offers an online bachelor of business administration with a major in finance that is a 120 credit hour program including coursework in corporate finance and business valuation. Dickinson State University offers an online, undergraduate tuition rate of $322 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#2 – Granite State College
Granite State College was established in 1972.
Bachelor of Science in Accounting and Finance Online
Granite State College was established in 1972. With a student to faculty ratio of 13 to 1, the school offers an online bachelor of science in accounting and finance that is a 120 credit hour program including coursework in managerial accounting and taxation. Granite State College offers an online, out of state, undergraduate tuition rate of $345 per credit hour. The school is accredited by the New England Association of Schools and Colleges, Commission on Institutions of Higher Education.
#3 – Thomas Edison State University
Thomas Edison State University was established in 1972.
Online Bachelor of Science in Business Administration in Finance
Enrollment: 12,489
Thomas Edison State University's school motto translates from the Latin as, "Learning Throughout Life." With a student to faculty ratio of 15 to 1, the school offers an online bachelor of science in business administration in finance that is a 120 credit hour program including coursework in derivatives and risk management. Thomas Edison State University offers an online, out of state, undergraduate tuition rate of $499 per credit hour. The school is accredited by the Middle States Commission on Higher Education.
#4 – Indiana Wesleyan University
Marion, Indiana
Indiana Wesleyan University has been recognized as one of our top online universities.
Bachelor of Science in Business Administration – Financial Planning Online
Indiana Wesleyan University was established in 1920 and is affiliated with the Wesleyan Church. With a student to faculty ratio of 14 to 1, the school offers an online bachelor of science in business administration – financial planning that is a 60 credit hour degree completion program including coursework in business statistics and managerial accounting. Indiana Wesleyan University offers an online, undergraduate tuition rate of $432 per credit hour. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#5 – Bemidji State University
Bemidji, Minnesota
Bemidji State University offers an affordable online finance degree program with courses like Strategic Management.
Bachelor of Science in Business Administration with a Concentration in Finance Online
Bemidji State University began life as a teacher's college in 1911. With a student to faculty ratio of 21 to 1, the school offers an online bachelor of science in business administration with a concentration in finance that is a 120 credit hour program including coursework in risk management and corporate financial policy. Bemidji State University offers an online, undergraduate tuition rate of $266.45 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#6 – Northern State University
Aberdeen, South Dakota
Northern State University does not charge out of state tuition to online students.
Online Bachelor of Science in Banking and Financial Services
Tuition: $11,210
Northern State University was established in 1901. With a student to faculty ratio of 20 to 1, the school offers an online bachelor of science in banking and financial services that is a 120 credit hour program including coursework in management information systems and financial statement analysis. Northern State University offers an online, undergraduate tuition rate of $335 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#7 – University of Minnesota-Crookston
The University of Minnesota's Crookston campus has a job placement rate of more than 93% within six months of graduation.
Bachelor of Science in Finance Online
The University of Minnesota-Crookston was established in 1966. With a student to faculty ratio of 16 to 1, the school offers an online bachelor of science in finance that is a 120 credit hour program including coursework in income tax and business law. The University of Minnesota-Crookston offers an online, undergraduate tuition rate of $440.47 per credit hour, regardless of residency, The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#8 – Brandman University
Brandman University was established in 1958.
Bachelor of Business Administration in Finance Online
Brandman University is a separate fully accredited school in the Chapman University System. With a student to faculty ratio of 15 to 1, the school offers an online bachelor of business administration in finance that is a 93 credit hour degree completion program including coursework in statistics and organizational communication. Brandman University offers an online, undergraduate tuition rate of $500 per credit hour. The school is accredited by the Western Association of Schools and Colleges, Senior College and University Commission.
#9 – SUNY College of Technology at Canton
SUNY College of Technology at Canton has an unusual school mascot.
Online Bachelor of Business Administration in Finance
SUNY College of Technology at Canton was established in 1906, and the school mascot is the Kangaroo. With a student to faculty ratio of 18 to 1, the school offers an online bachelor of business administration in finance that is a 123-124 credit hour program including coursework in statistics and microeconomics. SUNY College of Technology at Canton offers an online, undergraduate tuition rate of $333 per credit hour, regardless of residency. The school is accredited by the Middle States Commission on Higher Education.
#10 – Metropolitan State University
Metropolitan State University offers a 120 credit hour bachelor of science in finance.
Online Bachelor of Science in Finance
Metropolitan State University is a public institution of higher learning that was established in 1971. With a student to faculty ratio of 18 to 1, the school offers an online bachelor of science in finance that is a 120 credit hour program including coursework in linear algebra and strategic management. Metropolitan State University offers an online, undergraduate tuition rate of $303.73 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#11 – University of North Carolina-Pembroke
Pembroke, North Carolina
The University of North Carolina at Pembroke has a very low out of state tuition rate.
Bachelor of Science in Business Administration, Finance Track Online
The University of North Carolina-Pembroke is a historically Native American institution of higher learning. With a student to faculty ratio of 15 to 1, the school offers an online bachelor of business administration, finance track that is a 120 credit hour program including coursework in business finance and portfolio management. The University of North Carolina-Pembroke offers an online, out of state, undergraduate tuition rate of $187.83 per credit hour. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#12 – University of Memphis
The University of Memphis is one setting for John Grisham's novel "The Firm."
The University of Memphis was established in 1912, and the school mascot is the Tiger. With a student to faculty ratio of 14 to 1, the school offers an online bachelor of business administration in finance that is a 120 credit hour program including coursework in fixed income securities and derivatives. The University of Memphis offers an online, undergraduate tuition rate of $420 per credit hour, regardless of residency. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#13 – Missouri State University Springfield
Missouri State University offers an online bachelor of science in finance.
Missouri State University Springfield was founded in 1905 as a Normal School, or teacher's college. With a student to faculty ratio of 22 to 1, the school offers an online bachelor of science in finance that is a 120
credit hour program including coursework in principles of real estate and entrepreneurial finance. Missouri State University Springfield offers an online out of state undergraduate tuition rate of $477 per credit hour. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#14 – Indiana University East
Richmond, Indiana
Online Bachelor of Science in Business Administration with a Concentration in Finance
Indiana University East was established in 1971. With a student to faculty ratio of 14 to 1, the school offers an online bachelor of science in business administration with a concentration in finance that is a 57 credit hour degree completion program including coursework in finite math and commercial law. Indiana University East offers an online, out of state tuition rate of $309.47 per credit hour. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#15 – Northwestern State University of Louisiana
Natchitoches, Louisiana
Also known as NSULA, this school offers an online bachelor in finance in just 120 credit hours.
Northwestern State University of Louisiana was established in 1884. With a student to faculty ratio of 20 to 1, the school offers an online bachelor of science in business administration with a concentration in finance that is a 120 credit hour program including coursework in business administration and psychology. Northwestern State University of Louisiana offers an online, undergraduate tuition rate of $375 per credit hour, regardless of residency. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#16 – University of Maryland-University College
Adelphi, Maryland
The University of Maryland-University College is one of the largest online higher education providers around. With a student to faculty ratio of 20 to 1, the school offers an online bachelor of science in finance that is a 120 credit hour program including coursework in analyzing financial statements and financial planning scenarios. The University of Maryland-University College charges an out of state, online, undergraduate tuition rate of $499 per credit hour. The school is accredited by the Middle States Commission on Higher Education.
#17 – Golden Gate University
Golden Gate University was established in 1901.
Bachelor of Science in Business, Finance Concentration Online
Golden Gate University began life as YMCA Evening College. With a student to faculty ratio of 12 to 1, the school offers an online bachelor of science in business, finance concentration that is a 75 credit hour degree completion program including coursework in financial analysis and banking. Golden Gate University charges an online, undergraduate tuition rate of $660 per credit hour. The school is accredited by the Western Association of Schools and Colleges, Senior College and University Commission.
#18 – California State University-East Bay
Students can get an online bachelor's degree without breaking the bank at California State University, East Bay.
Online Bachelor of Science in Business Administration, Finance Option
California State University-East Bay's school motto translates from the Latin as, "Through Adversity to the Stars." With a student to faculty ratio of 27 to 1, the school offers an online bachelor of science in business administration, finance option that is a 120 credit hour program including coursework in investment analysis and derivatives markets. California State University-East Bay offers an online, undergraduate tuition rate of $393 per credit hour, regardless of residency. The school is accredited by the Western Association of Schools and Colleges, Senior College and University Commission.
#19 – Charleston Southern University
Charleston Southern University's school mascot is the Buccaneer.
Online Bachelor of Business Administration with a Major in Financial Management
Charleston Southern University is affiliated with the South Carolina Baptist Convention. With a student to faculty ratio of 15 to 1, the school offers an online bachelor of business administration with a major in financial management that is a 125 credit hour program including coursework in commercial law and information systems concepts. Charleston Southern University offers an online, undergraduate tuition rate of $490 per credit hour. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#20 – Liberty University
Liberty University is the largest Christian university in the world.
Bachelor of Business Administration with a Specialization in Finance Online
Liberty University was established in 1971. With a student to faculty ratio of 19 to 1, the school offers an online bachelor of business administration with a specialization in finance that is a 120 credit hour program including coursework in financial statement analysis and intermediate accounting. Liberty University offers a part-time, online, graduate rate of $455 per credit hour and a full-time rate of $390 per credit hour. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#21 – Florida International University
Florida International University is a metropolitan research university.
Florida International University is a public research institution of higher learning. With a student to faculty ratio of 27 to 1, the school offers an online bachelor of business administration in finance that is a 120 credit hour program including coursework in calculus for business and accounting for decisions. Florida International University offers an online, out of state tuition rate of $329.77 per credit hour for this program. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#22 – University of Houston Victoria
Victoria, Texas
The University of Houston Victoria offers a 120 credit hour online bachelor of business administration in finance.
The University of Houston Victoria was established in 1971. With a student to faculty ratio of 15 to 1, the school offers an online bachelor of business administration in finance that is a 120 credit hour program including coursework in capital markets and investment principles. The University of Houston Victoria charges an online, out of state, undergraduate tuition rate of $697.12 per credit hour. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#23 – Kansas State University
Kansas State University's school mascot is the Wildcat.
Online Bachelor of Science in Personal Financial Planning
Kansas State University is a public, flagship, land-grant institution of higher learning in the Sunflower State. With a student to faculty ratio of 18 to 1, the school offers an online bachelor of science in personal financial planning that is a 120 credit hour program including coursework in business and economic statistics and personal investing concepts. Kansas State University offers an online, undergraduate tuition rate of $433 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Schools and Colleges.
#24 – Old Dominion University
Old Dominion University is classified as a Carnegie Doctoral, Higher Research Activity University.
Old Dominion University was established in 1930. With a student to faculty ratio of 18 to 1, the school offers an online bachelor of science in business administration in finance that is a 120 credit hour program including coursework in legal environments of business and investments. Old Dominion University offers an online, out of state, undergraduate tuition rate of $389 per credit hour for this program. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#25 – University of Wisconsin-Platteville
Platteville, Wisconsin
Bachelor of Science in Business Administration, Finance Emphasis Online
The University of Wisconsin-Platteville was established in 1866. With a student to faculty ratio of 22 to 1, the school offers an online bachelor of science in business administration, finance emphasis that is a 120 credit hour program including coursework in diversity and global business. The University of Wisconsin-Platteville charges an online, undergraduate tuition rate of $675 per credit hour, regardless of residency. The school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.
#26 – University of Alabama at Birmingham
The University of Alabama at Birmingham's online bachelor of finance degree is a 120 credit hour program.
Tuition: $17,553 (information provided by the University)
The University of Alabama at Birmingham was established in 1966, and the school mascot is Blaze the Dragon. With a student to faculty ratio of 16 to 1, the school offers an online bachelor of science in finance that is a 120 credit hour program that covers essential financial topics, such as financial analysis, portfolio management, and real estate investment and analysis. The University of Alabama at Birmingham charges an online, undergraduate tuition rate of $667 per credit hour for this program. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#27 – Northeastern University
Northeastern University is categorized as an R1 institution (Doctoral Universities: Highest Research Activity) by the Carnegie Classification of Institutions of Higher Education.
Bachelor of Science in Finance and Accounting Management Online
Northeastern University was established in 1898. With a student to faculty ratio of 14 to 1, the school offers an online bachelor of science in finance and accounting management that is a 120 credit hour program including coursework in cost accounting and principles of taxation. Northeastern University offers an online, undergraduate tuition rate of $519 per credit hour for this program. The school is accredited by the New England Association of Schools and Colleges, Commission on Institutions of Higher Education.
#28 – Dallas Baptist University
Dallas Baptist University was established in 1898.
Bachelor of Business Studies in Finance Online
Dallas Baptist University is a Christian liberal arts institution of higher learning that is affiliated with the Baptist General Convention of Texas. With a student to faculty ratio of 12 to 1, the school offers an online bachelor of business studies in finance that is a 120 credit hour program including coursework in principles of management and public law. Dallas Baptist University charges an online, undergraduate tuition rate of $886 per credit hour. The school is accredited by the Southern Association of Colleges and Schools, Commission on Colleges.
#29 – Excelsior College
Excelsior College was founded by the New York State Board of Regents but was spun off into a private entity.
Online Bachelor of Science in Business (Finance)
Tuition: not reported
Excelsior College was established by the New York State Board of Regents in 1971 but spun off as a private entity in 2005. With a student to faculty ratio of 16 to 1, the school offers an online bachelor of science in business (finance) that is a 120 credit hour program including coursework in financial markets and risk assessments. Excelsior College offers an online, undergraduate tuition rate of $510 per credit hour. The school is accredited by the Middle States Commission on Higher Education.
#30 – Southern New Hampshire University
Southern New Hampshire University is a leading institution offering online degrees.
Online Bachelor of Science of Business Studies in Finance
Southern New Hampshire University is a private non-sectarian institution of higher learning. With a student to faculty ratio of 30 to 1, the school offers an online bachelor of science in business studies in finance that is a 120 credit hour program including coursework in corporate finance and macroeconomics. Southern New Hampshire University offers an online, undergraduate tuition rate of $320 per credit hour. The school is accredited by the New England Association of Schools and Colleges, Commission on Institutions of Higher Education.
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Natalia Gheorghiu (29 November 1914 – 2 April 2001) was a Soviet and Moldovan pediatric surgeon, physician and professor and doctor of medical sciences. She has been cited as a pioneer of pediatric surgery in Moldova.

Born in the town of Bender (Tighina), she graduated from the Medical Faculty of University of Bucharest in 1940 and began a career in pediatric surgery in Chișinău. The first ward for children opened in the Moldovan Republic hospital in 1957, and later she was instrumental in establishing the Pediatric Surgical Centre, which is now named after her.

She was a professor at the University of Medicine and Pharmacy in Chișinău and authored more than 250 papers into surgical methods, dermatoplasty, and imaging techniques in her field. She was a corresponding member of the Academy of Medical Sciences of the USSR and the Academy of Sciences of Moldova, the International Society of Surgery, and was appointed the president of the Moldavian Surgical Society. A street in the Moldovan capital is named after her and she appeared on a postage stamp in 2004.

Medical career
After graduating with her medical degree from University of Bucharest, she moved to the capital of Moldova, Chișinău, and began her career as a family practitioner and a pediatric surgeon. She was soon recruited as a military surgeon during World War II.

Natalia Gheorghiu made a significant contribution to solving problems in the field of traumatology, orthopedics, surgery of the urinary tract, abdominal cavity and thoracic surgery, in the treatment of diseases of the circulatory system, surgical pathology of the newborn.

Gheorghiu's main scientific and practical interests included plastic surgery, her enormous scientific potential allowed her to make scientific developments at the level of international standards and consistently introduce them into the practice of protecting children's health. Methods of medical diagnosis and treatment of surgical diseases and malformations, developed by Professor Gheorghiu, entered the world pediatric surgery.

Gheorghiu made great efforts to develop pediatric surgery in Moldova, was one of the initiators of the creation of the National Scientific and Practical Center for Pediatric Surgery (currently the Center for Pediatric Surgery "Natalia Gheorghiu").

The N. Gheorghiu School is represented by 6 professors, 15 associated professors, 20 PhD in medical sciences. Natalia Gheorghiu is the author of 650 publications, including 6 monographs.

Awards
For her fruitful work, she was awarded 4 orders and 11 medals, including the Order of the Red Banner of Labour, Friendship of Peoples, the Order of the Republic of Moldova, the Medal of the International Peace Protection Committee, an honorary citizen of Chișinău (1977).

Memory
 In Chișinău, the capital of Moldova, the street in the center of the city (Academician Natalia Georgiou Street) and the secondary school (Lyceum "Natalia Georgiou") bears her name.
 A bronze bust is installed in front of the Natalia Gheorghiu National Scientific and Practical Center for Pediatric Surgery.
 In November 2004, the Association of Pediatric Surgery named after Academician Natalia Gheorghiu was created in Chisinau.
 On April 30, 2004, in commemoration of the 90th anniversary of the birth of the outstanding surgeon, the Post of Moldova issued a stamp with her image.

References

1914 births
2001 deaths
20th-century surgeons
People from Bender, Moldova
Corresponding Members of the USSR Academy of Medical Sciences
University of Bucharest alumni
Third convocation members of the Supreme Soviet of the Soviet Union
Fourth convocation members of the Supreme Soviet of the Soviet Union
Recipients of the Order of Friendship of Peoples
Recipients of the Order of the Red Banner of Labour
Recipients of the Order of the Republic (Moldova)
Physicians from Chișinău
Women surgeons
Moldovan pediatric surgeons
Moldovan women scientists
Soviet pediatricians
Soviet plastic surgeons
Soviet surgeons
Soviet women physicians

redpajama_set_name: RedPajamaWikipedia


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Recorder & Flutophone Instruction
Schott The Recorder Player's Handbook (Revised Edition) Schott Series
The Recorder Player's Handbook is a comprehensive survey of the instrument, its history and its music and deals extensively with the following subjects: The instrument: its design, structure and mecha… Learn More
The Recorder Player's Handbook is a comprehensive survey of the instrument, its history and its music and deals extensively with the following subjects: The instrument: its design, structure and mechanics with detailed information on historical models and materials; advice on the choice and care of the instrument · Playing the recorder: advice on breathing, tone production, fingering and articulation; practice and performance · Recorder music and its performance: a survey of recorder music from the early Middle Ages to the Baroque period, and with a valuable consideration of the recorder in the twentieth century.

redpajama_set_name: RedPajamaCommonCrawl


Seizures in Acute Stroke: Incidence, Risk Factors and Prognosis.
Background and Purpose: Studies on post-stroke seizures have produced conflicting results. Our study aim was to further elucidate the incidence and predictive factors of early post-stroke seizures (ES) and their relationship with outcome. Methods: relevant clinical data were prospectively collected in 2,053 patients with acute stroke admitted to the Stroke Unit from 2004 to 2008. Results: Sixty-six patients (8 hemorrhagic and 58 ischemic strokes) aged 73-88 years (mean age 82 years) presented seizures in the first week after stroke onset. The type of ischemic stroke was atherothrombotic in 10 patients, cardioembolic in 21, lacunar in 4, undetermined in 19, and of other etiology in 4. Twenty-seven patients had generalized convulsive, 6 had complex partial, and 33 had simple partial seizures. Status epilepticus was observed in 13 patients. The severity of strokes in patients with ES was greater than in those without (National Institutes of Health Stroke Scale >14 in 50 vs. 25%), so mortality (30 days) was higher (29 vs. 14%). Independent seizure predictors were: total anterior circulation infarct, hemorrhagic transformation, hyperglycemia, and the interaction term diabetes × hyperglycemia. Conclusions: ES may be considered a marker of stroke severity. Cortical location of the lesion, hemorrhagic transformation, and hyperglycemia in patients without diabetes are important predictors of ES.
22278646 - Stroke assessment in the perioperative orthopaedic patient.
12239906 - Symptomatic or asymptomatic gallstone disease: is the gallbladder motility the clue?
Copyright © 2012 S. Karger AG, Basel.
Neurologia-Stroke Unit, Ospedale Maggiore, IRCCS, Istituto di Scienze neurologiche, Bologna, Italy.


Please feel free to make reasonable offers. Rare, Original Emile Galle "Libellule, nymphéas'" Covered Cameo Glass Round Box (Dragonfly w/Lily) is in perfect, original condition with no chips, cracks, or repairs. The colors on this one are better (his example was amber), and it is shown with and without a flash to illustrate the depth and quality of both the etching and the color. This will be a focal point in your collection of fine glass, and it really needs the proper lighting (like a showcase) to come alive. I seriously doubt that Galle ever intended these to be used, and, indeed, it looks as though this one never was.
Measures 6.75" wide x 3" tall. The item "Rare Emile Galle Libellule, nymphéas' Covered Cameo Glass Round Box Dragonfly" is in sale since Saturday, November 10, 2018. This item is in the category "Pottery & Glass\Glass\Art Glass\French\Emile Galle". The seller is "findingthefinerthings" and is located in Lockport, Illinois. This item can be shipped to United States.


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Go to…Home About Us Sports Calendar Gallery Donate Contact Us
Marin County Special Olympics
Practice and Competition Schedule
The following message was sent out on March 24th:
Special Olympics Northern California & Nevada has made the difficult decision to cancel all spring season sports and the 2020 Summer Games due to increasing concerns surrounding the spread of the coronavirus and the illness that it causes, COVID-19. I know this is a very exciting season and many athletes and coaches look forward to Summer Games every year, but know this decision was made to keep our athletes and coaches safe. The plan to move forward with summer sports in early July. Much more information will follow as SONC will have many ways for our community to stay involved and active during this time. The more we social distance now, the sooner we can come back and do what we love – COMPETE!
Video message from President & CEO, David Solo HERE.
Basketball practices will be on Sundays, from 9:00 – 11:00 AM, beginning January 12th, at College of Marin (Diamond Center Gymnasium), 700 College Avenue, Kentfield. Practices will continue every week until March 8th (there will be practice on March 8th).
There will NOT be practice on February 16th.
The Regional competition will be in Santa Rosa, at Santa Rosa Junior College on March 14, 2020.
Coach: Chris Weber
Swimming practices began on Sunday, February 23rd at 9:30 AM at Rolling Hills Club, 351 San Andreas Drive, Novato. Practices will continue every week until the Summer Games (June 26th=28th).
There will NOT be practice on the following dates:
April 12th (Easter)
May 10th (Mothers Day)
May 16th (Marin Games)
May 24th (Memorial Day)
Swimming practices at the College of Marin, Indian Valley Campus, 1800 Ignacio Boulevard, Novato, will begin on Sunday March 8th at 10:00 AM (until 11:30 AM) and will continue until Sunday May 10th.
The regional tournament will be held at the Marin Games at the College of Marin on Saturday, May 16th.
The Marin team will be represented at the Summer Games at UC Davis (June 26th-28th).
Coaches Michelle Whipple Tanner and Richard Ellis
Contact the Aquatics Coaches
Bocce practices will begin on Saturday, March 7th at Marin Bocce, 550 B St San Rafael. Practices will run from 9:30 until 11:00 every Saturday, from March 7th until June 6th.
There will NOT be practice on the following Saturdays:
If it is raining on a practice date, there will be practice on the two indoor courts.
The Regional Tournament will be held at Campo Di Bocce in Fremont on Sunday, May 3rd. Transportation pick up and return times will be announced at practice in April.
The Sonoma Invitational will be in Santa Rosa on June date to be announced.
The Marin team will be represented at the Summer Games at UC Davis (June 26th-28th)
Coach: Tony Mei
Tennis practice begins March 21st and continues until June 20th. Practices are held at the College of Marin, 835 College Avenue, Kentfield, from 8:30 until 10:00 each Saturday morning. The coach will notify athletes of any dates when there will not be a practice.
The regional tournament will be held at the College of Marin, 835 College Avenue, Kentfield on Saturday, May 16th.
Coach: Chrissie Costamagna
Track & Field and Racewalking
Track & Field practice begins March 21st and continues through June 20th. Practices are held at the College of Marin, 835 College Avenue, Kentfield, from 9:00 until 10:00 each Saturday morning.
The regional tournament will be held at the College of Marin, Kentfield Campus, on Saturday, May 16th.
Contact the Coaches: Greg King and Chris Weber
Softball practice TENTATIVELY begins on June 13th and continues until August 15th. Practices are every Saturday from 9:30 – 11:00 at the Corte Madera Park. There will not be practice on July 4th.
The championship is scheduled for August 22nd and 23rd in Walnut Creek.
Coach: Barry Schneider
Practices will begin after July 4th and will continue on a weekly basis until the regional championships that will be held on (date to be determined). Further details (dates and locations) will be posted by mid-May.
Coaches: LB Upshaw
Contact the Golf Coach
Soccer practices will TENTATIVELY begin on Saturday, August 15th at 8:30 AM at Marin Catholic High School. Practices will continue every week until the tournament in Davis on October 17th.
Contact Coach Tessa Verbanic
Bowling practices will begin on Saturday, September 12th continuing until November 14th, at Country Club Lanes in San Rafael.
Bowling practices will begin on Monday, September 14th continuing until November 16th, at Country Club Lanes in San Rafael.
The Championships will be on Sunday, November 22nd in Sonoma.
There will be 6 "regular" weeks and 5 additional, sponsored weeks for the Saturday league and for the Monday league.
Saturday league coach: Tracy Rivkin
Monday league coach: Tracy Rivkin
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Shimano 1x vs 2x | Which Drive Train Is Better For Mountain Biking?


Girls for HIS Glory: GO TEAM! GO!
I am a huge fan of sports...playing them, watching them, critiquing them, and cheering them on! (GO DAWGS! yes a shameless plug) Sports help keep you healthy, encourage disciple, and strengthen important skills like working with others, problem solving, and perseverance. As a Girls Minister, I LOVE cheering on our all our FBC girls in whatever the do from musical aspirations, art, theatrical performances to an array of sport activities. However, the past two years I have had a special, unique privilege of serving the Cleveland High School Volleyball Team as their team chaplain. What a sweet opportunity I have to lead the team in a devotion and pray with them right before they hit the court and put it all on the line. I have loved getting to know these girls better over the years, and I am excited at what the Lord has in store for them.


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Johnson v. O'neill
United States District Court, M.D. Tennessee, Nashville Division
ROBERT EARL JOHNSON, JR., Plaintiff,
SEAN O'NEILL, et al., Defendants.
FRENSLEY JUDGE
William L. Campbell, JR United States District Judge
Robert Earl Johnson, Jr., an inmate of the Turney Center Industrial Complex in Only, Tennessee, filed this pro se action under 42 U.S.C. § 1983 against Sean O'Neill, Dan Hamm, William Cohen, Karl Dean, Wendy Rucker, and Jodie Bell. (Doc. No. 1).
The complaint is before the Court for an initial review pursuant to the Prison Litigation Reform Act ("PLRA"), 28 U.S.C. §§ 1915(e)(2) and 1915A.
I. PLRA Screening Standard
Under 28 U.S.C. § 1915(e)(2)(B), the court must dismiss any portion of a civil complaint filed in forma pauperis that fails to state a claim upon which relief can be granted, is frivolous, or seeks monetary relief from a defendant who is immune from such relief. Section 1915A similarly requires initial review of any "complaint in a civil action in which a prisoner seeks redress from a governmental entity or officer or employee of a governmental entity, " id. § 1915A(a), and summary dismissal of the complaint on the same grounds as those articulated in Section 1915(e)(2)(B). Id. § 1915A(b).
The court must construe a pro se complaint liberally, United States v. Smotherman, 838 F.3d 736, 739 (6th Cir. 2016) (citing Erickson v. Pardus, 551 U.S. 89, 94 (2007)), and accept the plaintiff's factual allegations as true unless they are entirely without credibility. See Thomas v. Eby, 481 F.3d 434, 437 (6th Cir. 2007) (citing Denton v. Hernandez, 504 U.S. 25, 33 (1992)). Although pro se pleadings are to be held to a less stringent standard than formal pleadings drafted by lawyers, Haines v. Kerner, 404 U.S. 519, 520-21 (1972); Jourdan v. Jabe, 951 F.2d 108, 110 (6th Cir. 1991), the courts' "duty to be 'less stringent' with pro se complaints does not require us to conjure up [unpleaded] allegations." McDonald v. Hall, 610 F.2d 16, 19 (1st Cir. 1979) (citation omitted).
II. Section 1983 Standard
Title 42 U.S.C. § 1983 creates a cause of action against any person who, acting under color of state law, abridges "rights, privileges, or immunities secured by the Constitution and laws . . . ." To state a claim under Section 1983, a plaintiff must allege and show two elements: (1) that he was deprived of a right secured by the Constitution or laws of the United States; and (2) that the deprivation was caused by a person acting under color of state law. Dominguez v. Corr. Med. Servs., 555 F.3d 543, 549 (6th Cir. 2009) (quoting Sigley v. City of Panama Heights, 437 F.3d 527, 533 (6th Cir. 2006)); 42 U.S.C. § 1983.
III. Relevant Background
Plaintiff and his brother, Roderick Johnson, were both indicted by a Davidson County grand jury on one count of first-degree premeditated murder in connection with the killing of William Edwin Binkley on October 24, 1997. The two brothers were tried together before a jury in the Davidson County Criminal Court. On November 20, 1998, the jury found Roderick Johnson guilty of second degree murder, but found Plaintiff guilty of first-degree murder. After a sentencing hearing, the jury unanimously found the presence of an aggravating circumstance- that is, that "the murder was especially heinous, atrocious or cruel in that it involved torture or serious physical abuse beyond that necessary to produce death, " Tenn. Code Ann. § 39-13-204(i)(5)-as a result of which Plaintiff was sentenced to life in prison without the possibility of parole. On direct appeal, Plaintiff's judgment and sentence were affirmed by the Tennessee Court of Criminal Appeals on October 8, 2001. Plaintiff filed a petition for post-conviction relief in the trial court. Counsel was appointed, an evidentiary hearing was conducted, and the trial court denied relief on July 19, 2006. The Court of Criminal Appeals affirmed the denial of the petition for post-conviction relief on July 18, 2007. The Tennessee Supreme Court denied the application for further review by order entered December 16, 2007. Robert E. Johnson, Jr. v. Tony Parker, No. 3:08-cv-00806 (M.D. Tenn. filed 7/16/2008) (Trauger, J.) (Doc. No. 30).
Plaintiff filed a petition for writ of habeas corpus on July 16, 2008, asserting twenty-two separate claims for relief: the trial court erred in admitting the photographic line-up arrays at trial (Ground one); the evidence was insufficient to support the petitioner's conviction for first-degree murder (Ground one); the trial court erred in admitting the victim's hearsay statements (Ground two); the trial court erred when it allowed the victim's mother, Frances Hampton, to testify in violation of Rule 615 of the Tennessee Rules of Evidence (Ground three); the trial court erred by allowing the prosecutor to make improper and prejudicial remarks during closing argument (Ground four); the trial court erred in not instructing the jury regarding the minimum mandatory length of a sentence for life imprisonment (Ground five); the trial court's jury instructions were confusing and misleading (Ground five); law enforcement did not adequately investigate the case (Ground six); the state failed to prove the statutory aggravating circumstance beyond a reasonable doubt (Ground seven); the state improperly suppressed medical records (Ground seven); the state's introduction of testimony from William S. Greenup violated the Confrontation Clause (Ground seven); trial counsel was ineffective for failing to cross-examine witnesses properly (Ground eight); trial counsel was ineffective for failing to file a motion to suppress the photographic lineup arrays (Ground eight); trial counsel was ineffective for failing to create reasonable doubt by presenting sufficient evidence to show that Baso Felder was the actual perpetrator of the murder (Ground eight); trial counsel was ineffective for failing to conduct an individual voir dire of the jurors (Ground eight); the petitioner's due-process right to a fair trial was violated by the presentation of the perjured testimony of his brother, Roderick Johnson (Ground nine); the petitioner's due-process right to a fair trial was violated by the state's suppression of the victim's toxicology and autopsy report, which showed that the victim used drugs (Ground ten); the petitioner's due-process right to a fair trial was violated by the prosecutor's improper remarks during closing argument (Ground ten); the petitioner's due process right to a fair trial was violated when the state, in its brief to the Tennessee Court of Criminal Appeals, presented an altered version of the prosecutor's closing argument (Ground eleven); the petitioner's due process right to a fair trial was violated by the photo line-up arrays because they did not contain a photo of Baso Felder (Ground twelve); and the petitioner was denied the opportunity to the trial court erred by illegally enhancing the petitioner's sentence by factors not decided by a jury in violation of Cunningham v. California, 549 U.S. 270 (2007) (Ground fourteen). (3:08-cv-00806, Doc. No. 30 at 2-3).
The Court found that Johnson's habeas petition did not present any meritorious claims and denied the petition. (Id., Doc. No. 30 at 39). The Sixth Circuit Court of Appeals denied Johnson a Certificate of Appealability. (Id., Doc. No. 41). The United States Supreme Court denied Johnson's petition for a writ of certiorari. (Id., Doc. No. 47).
         IV. Alleged Facts ...


Patrick Martin reigned supreme in Sunday's Greater Manchester Marathon, winning the 26.2-mile race with a superb time of two hours, 22 minutes and 36 seconds.
The Stockport Harriers runner crossed the line ahead of Tom Charles and later Lithuanian Andrius Jaksevicius to win the big race at the very first time of asking.
Martin started the race in fine fettle and found his way to the front of the pack, which was getting very congested.
Charles, Jaksevicius, Ian Williams and Will Mackay were all keeping pace with the eventual champion as they crossed the halfway point in one hour, 11 minutes and 25 seconds.
However, it wasn't long before Martin decided it was time for him to surge toward the finish line, and with six miles to go, he made his move.
From then on there was just no catching him, and he crossed the line over a minute ahead of nearest competitor Charles.
Following the race, the marathon debutant Martin stayed cool when asked about his day, saying "It's nice to get the first marathon out of the way," per Manchester Evening News.
Bruinvels won the Greater Manchester Marathon back in 2015 when making her debut at the distance and repeated her excellent performance from that day.
The Greater Manchester Marathon is about more than just the elite runners, with members of the community, volunteers and runners of all abilities coming together on the city streets.
The day very much belonged to Martin and Bruinvels, who will now look to kick on and continue their success over the course of the year.


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Horse canvas print of an original oil painting of a horse head painting. Choice of 4 sizes, artists canvas stretched over a wooden frame.
This is an original horse head painting of a horse called Sparky. Sparky was a much-loved eventer who had been with his owner for more than 15 years. My mother half loaned Sparky and she said that he was the best horse which she had ever ridden. He was an absolute gentleman, such a kind loving horse who just kept on giving. Sadly Sparky was put down at the end of 2017 and my mother and the owner were absolutely heartbroken. My mum asked me to paint a piece of horse artwork featuring him to give as a horse gift to the owner. I spent a few weeks capturing this horse portrait of him. My mum and the owner were thrilled with this art commissions of him. This horse print has also become one of my most popular online equine prints. I love the fact that Sparkies memory lives on through horse decor throughout equestrian homes worldwide.
This is a hand stretched canvas print. All canvases are stretched around a wooden frame. They are made in the UK using professional grade artists canvas and premium quality fade resistant inks.
Alfred Munnings | The Royal Navy museum.


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Fan Bay Deep Shelter is a series of tunnels constructed during World War II as accommodation for Fan Bay Battery artillery battery, 23 metres down in the White Cliffs of Dover at Fan Bay near the Port of Dover. The tunnels and gun battery were built by the Royal Engineers between 20 November 1940 and 28 February 1941. The site is maintained by the National Trust.

The tunnels are lined with corrugated steel arching and the complex originally included five large tunnels with storage space for bunk beds, rifles, a hospital and a secure store, a generator, toilets and washrooms. The gun battery was intended to attack enemy shipping moving through the English Channel.

The tunnels were abandoned in the 1950s and filled in with debris in the 1970s. In 2012 the tunnels were rediscovered by the National Trust after purchasing this section of the cliffs. The restoration work, carried over 18 months, included removal of 100 tonnes of rubble. The tunnels were opened to the public on 20 July 2015.

Near the site are two World War One sound mirrors.

See also
Cross-Channel guns in the Second World War

References

External links
Fan Bay Deep Shelter, National Trust
National Trust blog for the Fan Bay Deep Shelter project

National Trust properties in Kent
Military history of Kent
Military history of Dover, Kent
Military installations established in 1941


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J.J. Reddick Net Worth $26 million
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Home > Faculty and Staff Publications > By Year > 1279
"General Jackson is Dead": Dissecting a Popular Anecdote of Nineteenth-Century Party Leadership
Matthew Pinsker, Dickinson College
The Worlds of James Buchanan and Thaddeus Stevens: Place, Personality, and Politics in the Civil War Era
President James Buchanan delivered an icy stare to Senator Stephen A. Douglas as they sat across from each other inside the White House on Thursday morning, December 3, 1857. The "Little Giant" had just refused a direct request from "Old Buck" about the growing Lecompton controversy. The new Congress was assembling, and everybody had been talking for weeks about the fate of slavery in Kansas Territory. The main question was whether national Democrats in Washington were going to accept the "Lecompton swindle," allowing proslavery forces in Kansas to essentially stack the deck for an upcoming constitutional referendum that they had manipulated shamelessly and then scheduled with dubious authority. Under pressure from southern Democrats, the president was prepared to acquiesce, but the Illinois senator, author of the original Kansas-Nebraska Act of 1854, had just revealed to him that he would not. This was not the illustration of popular sovereignty that he had imagined for the territory. It was a tense moment. "Mr. Douglas," Buchanan finally observed, "I do wish you to remember that no democrat ever yet differed from an administration of his own choice without being crushed," adding ominously, "beware of the fate of Tallmadge and Rives." Defiant as ever, Douglas stood up in the face of that implicit threat and replied coolly, "Mr. President, I wish you to remember that General Jackson is dead, sir."
That striking scene has been recounted many times over the years by nineteenth-century historians and biographers. Yet it is better understood as an example of self-serving political fiction than any kind of transcript for real political drama. This was a memorable story, for sure, but one that was told with a strategic purpose after the fact --first by a mysterious leak in the spring of 1858 and then again, with ever-more-elaborate detail from Douglas himself, in two combative speeches during the 1860 presidential campaign. The beleaguered candidate's unexpected degree of open betrayal then compelled the incumbent president to deny the whole story in public. It was all wildly unprecedented. For this reason, the "General Jackson is dead" insult reveals even more about the pivotal 1860 election contest than it does about the earlier Lecompton crisis.
Such a complicated, evolving anecdote also illustrates a great deal about the challenges of writing antebellum political narrative. Scholars have used this story for years without fully fact-checking its sources. There are many possible explanations for this oversight, but mainly it is because historians, like the participants themselves, are often prone to oversimplify for the sake of making a dramatic point. Naturally, dissecting such an episode does kill much of the drama within it, but what remains is significant nonetheless. The alleged Douglas retort provides both a case study in narrative methodology and also a pathway toward a more nuanced view about on the most consequential feuds in American political history.
For more information on the published version, visit Louisiana State University Press's Website.
Pinsker, Matthew. '"General Jackson is Dead": Dissecting a Popular Anecdote of Nineteenth-Century Party Leadership." In The Worlds of James Buchanan and Thaddeus Stevens: Place, Personality, and Politics in the Civil War Era, edited by Michael J. Birkner, Randall M. Miller, and John W. Quist, 82-108. Baton Rouge: Louisiana State University Press, 2019.


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Purchase the What are Five Methods to Help Students Become More Effective Learners? 20-Minute Mentor program, presented by Maryellen Weimer, PhD. Through the five methods discussed in this engaging program, and the portraits of effective and ineffective learners included in the supplementary materials, you will come away with expert strategies from a world-renowned teaching and learning specialist that will move your students toward becoming effective learners, allowing them to pursue understanding, learn from failures, and continue learning for life.


Coconut Grove offers five star luxury apartment-style accommodation on cosmopolitan Macrossan Street, just one hundred and forty metres from magnificent Four Mile Beach. Divine views of rainforest, mountains and the ocean can be enjoyed in absolute privacy from a choice of apartments complete with their own outdoor entertaining terrace, extending from sophisticated living areas.
The property incorporates thirty three spacious apartments positioned on level one (terrace), level two (balcony) and level three (penthouse). The apartments can be booked as one, two or three bedroom options. Balcony Apartments offer a variety of sleeping configurations in twin, queen and master (with walk-in wardrobe and spa bathroom) options. Guests can enjoy a sun-drenched terrace with barbecue and entertaining facilities, fully equipped kitchen and living area with plasma television. Terrace Pool Apartments have the same features as Balcony Apartments with the addition of an outdoor terrace with a private swimming pool and spa. The luxurious Penthouse Apartments offer rooftop terrace with sea and mountain views, private swimming pool and an outdoor spa. Taking cue from the pale marine-based shades, the interiors are cleverly interpreted in natural stone, satin finished bench tops, metallic painted artworks and premium quality furnishings for an overall feeling that is cool, clean and calm.
Port Douglas offers many excellent restaurants and cafés but if you prefer, Port Douglas Catering & Events Company will deliver your order with flavour and flair. You can also have your fridge and pantry stocked with gourmet delights - comprehensive menu selections can be made online on their website, ensuring a relaxed arrival in Port Douglas.


We first reported on the Climate Count Scorecard back in 2008 for their second annual report. This morning, Climate Counts released their updated scores for 2011, showing Nike as the clear winner for the third year in a row with a score of 87 out of a possible 100.
Five companies surged ahead more than 20 points over their 2009 score, including CBS, Clorox, Capital One, PNS Financial (up 40 points since the first '07 scorecard), and Alaska Air. Some of those companies still have a ways to go to adequately satisfy all the 22 criteria used by Climate Counts (pdf) to score a company's climate action (the highest ranking of the five fast movers is Clorox, with a score of 57). But given such a healthy surge in 2010, these companies exemplify a general movement in the right direction among the biggest players in the corporate world.
Overall, company scores are up 14 percent since last year, and the average score has risen to 50.1 points, up from just 31 points in 2007.
This latest release of the Climate Counts scorecard is the first since the Senate's abject failure to address climate and energy issues. Hundreds of millions of dollars where spent by corporations and their associations to help insure such failure of leadership.
To that end, this year Climate Counts has given special recognition to 21 scored companies for their strong and vocal support for climate policy that would help reduce global warming (look for a gold star next to their names). These companies come from nine of the twelve business sectors considered in the Climate Counts scorecard.
Another new aspect of this years Scorecard is the launch of the Striding Shopper Campaign, which encourages consumers to vote with their dollars and purchase from companies with a score of 50 or higher. And to make it easier, Climate Counts offers a free iPhone app to keep the scorecard handy (Apple, incidentally, scores a 61, up 9 from last year).
The Climate Counts scorecard is a good way to make corporations responsible for the climate action and policy support. It is up to the consumer – you and I – to make the corporate world aware that what they do and say about climate and sustainability makes a difference to their customers. Let them know you care.


Apr. 14, 2019 7:15 p.m.
The week ahead will be a rainy one in Chilliwack, according to Environment Canada.
While this has been a drier year to date than normal, seasonal rains have started. On Sunday in Vancouver, Sun Run participants ran the marathon through rain and hail. Sunday night (April 14) could see a bit of thunder and lightning.
The week will start with a bit of sun on Monday, with a high of 16C. But rain will move in Tuesday and hang around until Friday, with highs between 12C and 15C.


Bryan Davis will be returning to Austria this Autumn! He will be playing with Thomas Gansch and the Roses from November 1-3, 2012. Thomas has reformed the band from the Resal CD – including Adam Rapa on trumpet – for these dates. We don't have any more details than that right now, but we'll post them when we do!
Bryan will, as usual, be available to teach trumpet lessons and/or masterclasses while he is in Austria. If you are in the area and would be interested in that, or in organising another performance, please contact him!


Linking up for the first time this summer with Doodlebugs Teaching for Five for Friday.
This all began two days ago when I couldn't figure out what to make for dinner, so I went to the store even though we have a full chest freezer in the basement and are ordering another 1/4 side of beef. That evening I came to the realization that I needed to do something about this lack of food planning on my part.
If you have been following along for any length of time, you know that I make menu plans during the school year and even plan leftovers to avoid throwing food away.
I went in search of a new freezer inventory printable that fit my style. I came upon DIY Home Sweet Home and her organizational binder printables.
I printed off two: one for the freezer in the kitchen and one for the chest freezer in the basement. Then I had to find my winter gloves for pulling everything out of the freezer- I highly recommend gloves if you are doing this to a chest freezer.
A piece of scrap paper and pencil (I suggest a pencil because it works in the cold and won't smear if it gets wet from frost) were the only other tools I needed.
Did you go grab this printable?
gave me great tips for freezer inventories years ago.
I pull organize it into piles (laundry baskets in my case) by type (pork, beef, vegetables, ready-to-eat, burger, etc) as I pull it out of the freezer.
Then as I put it back in, I write the item and quantity on the scratch paper. I do this on scratch paper, so when I find the one rouge package of corn I don't have to mess up my pretty list. I put the bigger and rarely used items like the whole turkey, hams, and stock in the bottom. I then filled a cardboard box (I have lots due to my internet shopping problem) with all the steaks and venison. Under that hanging basket was perfect for burger packs and pork chops. The basket held things like jam jars and hot dogs.
I then did the same thing to the freezer in the kitchen; we have a side-by-side fridge. I pulled everything out, sorted it, and put it back in with items on separate shelves.
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I made smoothies today for the girls and I.
What is in your freezer that you could use this weekend?
This morning I baked zucchini bread, two stratas (one for now and one to freeze) and made another batch of jam. My kitchen was a mess when I got done.
Overall it was very successful couple of days in my kitchen.
No picture from this one, but we are planning a luau party with some friends in order to grill off the massive quantities of meat in our freezer.


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Statescoop Radio
Cybersecurity goes beyond securing the perimeter, state experts say
May 31, 2016 | STATESCOOP
Cybersecurity is aboutmore than just preventing external access tonetworks, state information technology experts said.
Tech executives must find ways toprotect theassets that are inside as well assecure their networks' ever-changing borders,experts from Florida and Virginia said on the latest episode of StateScoop Radios Priorities podcast.
I think at some point, we have to come to terms with the fact that we have as a community failed to effectively prevent or even reduce the impact of breaches, JackieWynn,the vice president of global public sector strategy for RSA Security, said on Priorities.I think this is a failure that is due to a focus solely just on preventive approaches, and like all castles weve built in history, theyre ultimately always breached.
On the National Association of State Chief Information Officers annual top 10 priority list, cybersecurity has appeared as the top priority every year since 2014. In 2013, it was priority No. 3, while it ranged from priority No. 1 to No. 7 since the creation of the Top 10 list in 2006.
During the discussion, Danielle Alvarez, the chief information security officer for the state of Florida, said it's hard to prevent breaches, especially with the rise of cloud computing which expands the location ofstate's data assets from insidephysical internal networks to other data centers and locations all over the world.
The changing perimeter is a significant threat because its no longer within our four walls where weve heavily relied on those perimeter-based technologies, she said. Now, with the perimeter changing and growing out into the cloud, its changing the way we have to look at cybersecurity, its changing the toolset, its changing the training.
On the podcast:
Danielle Alvarez, chief information security officer, Florida
Mike Watson, chief information security officer, Virginia Information Technologies Agency
Jackie Wynn, vice president of global public sector strategy, RSA Security
Things to listen for:
In Florida, the Agency for State Technology is looking to adopt a risk-based cybersecurity framework for state agencies and develop situational awareness practices for state employees, Alvarez said.
As Virginia Information Technologies Agencys CISO, Watson oversees the security operation of the states more than 60,000 endpoints, approximately 4,000 servers and 1.5 petabytesof data.
The silver tsunami an approaching wave of retirees from the public sector workforce presents seriouschallenges to state cybersecurity and information technology operations, Wynn said.
Without much explanation, phishing attacks on Virginia employee email accounts spike every April, Watson said.
While neither Virginia nor Florida has experienced a significantransomware attack, Watson and Alvarez said their states are on alert and actively trying to prepare themselves for it.
Priorities is StateScoops monthly podcast that examines the leading strategies, technologies and challenges that state CIOs expect to face this year. This episode of Priorities was sponsored by RSA Security.
In addition to listening to Priorities on StateScoop.com, you can now subscribe to the podcast on iTunes and have episodes delivered directly to your podcasts app on your smartphone when they are released.
Contact the reporter who wrote this story at jake.williams@statescoop.com , and follow him on Twitter @JakeWilliamsDC .
Cybersecurity, Danielle Alvarez, Florida, Jackie Wynn, Michael Watson, Priorities, Priorities Season 1, RSA, Virginia


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Analysis of Sec 185 of the companies act 2013
Analysis of Sec 185 of the companies act 2013:
Sec 185 of the companies act 2013 : Giving a corporate guarantee to banks/lenders by a company, other than the borrower, that the loan will be paid back, is a usual practice in the normal course of trade and commerce across the world. By and large, a larger company (often a known flagship or holding or parent company or another related company) will provide corporate guarantee to banks/lenders on behalf of a smaller or its subsidiary company that may not be well-known or have developed a relationship with the banks/ lenders. Corporate Guarantee is a written declaration or guarantee of payment made by a known flagship, or holding or parent company, on behalf of its other business entity who would be normally smaller or a subsidiary company. This guarantee to banks is provided in consideration of bankers/vendors providing credit to a business on whose behalf the guarantee is made. A corporate guarantee is a guarantee in which a flagship or holding or parent company agrees to be held responsible for completing the duties and obligations of a smaller/ subsidiary company/debtor to banks/lenders, in the event that the smaller/subsidiary company/ debtor fails to fulfill the terms of the debtor-lender contract. Section 185 of the Companies Act, 2013 which was notified on 12th September, 2013, has replaced the old Section 295 of the Companies Act, 1956 which provides loans to the directors. This Section 185 now applies to all companies including private companies too. While under the old provisions of Section 295 of the Companies Act, 1956, private companies had been exempted. So now, both public and private companies cannot give any loans to directors or to persons in whom the director is interested. Since Section 185 of the new Companies Act, 2013 became effective in September 2013, there is all-round confusion in the banking sector whether a bank on sanction of certain credit facilities to any company can stipulate and corporate guarantee. Can the banks take corporate guarantee of holding private limited companies while sanctioning certain credit facilities to subsidiaries of any company, in view of the Section 185 of the new Companies Act, 2013? Detailed analysis of Sections 185 and 186 of the new Companies Act, 2013 and Section 372A of the Companies Act, 1956 gives us the following inputs:
Sec 185 of the companies act 2013
Section 185: Loan to Directors, etc. (The above section is notified and operative with effect from 12th September, 2013.)
(1) Save as otherwise provided in this Act, no company shall, directly or indirectly, advance any loan, including any loan represented by a book debt, to any of its directors or to any other person in whom the director is interested or give any guarantee or provide any security in connection with any loan taken by him or such other person:
Provided that nothing contained in this sub-Section shall apply to: (a) the giving of any loan to a managing or whole time director: (i) as a part of the conditions of service extended by the company to all its employees; or (ii) pursuant to any scheme approved by the members by a special resolution; or (b) a company which in the ordinary course of its business provides loans or gives guarantees or securities for the due repayment of any loan and in respect of such loans an interest is charged at a rate not less than the bank rate declared by the Reserve Bank of India.
Explanation: For the purposes of this section, the expression "to any other person in whom director is interested" means: (a) any director of the lending company, or of a company which is its holding company or any partner or relative of any such director; (b) any firm in which any such director or relative is a partner; (c) any private company of which any such director is a director or member; (d) any body corporate at a general meeting of which not less than 25%. of the total voting power may be exercised or controlled by any such director, or by two or more such directors, together; or (e) any body corporate, the Board of directors, managing director or manager, whereof is accustomed to act in accordance with the directions or instructions of the Board, or of any director or directors, of the lending company.
Analysis: In accordance with the Section 185 which is notified and operative with effect from 12th September, 2013, no company, whether public or private, can give any loan or provide any security or guarantee in connection with a loan to a director or any other person in whom he is interested. As per the intent of the legislation, there is a restriction for loans to directors, etc., and to any other person in whom the director is interested, which was earlier permitted under Section 295 of the Companies Act, 1956. But in this connection, if there are no common directors in the Board of the Directors of the companies giving corporate guarantee to bank on behalf of its subsidiary company wherein no directors or directors exercise or control of voting power in excess of 25% in the other company, the said corporate guarantees can be provided to any bank. No legislation or statutory enactment can put speed breakers or bottlenecks for the growth of trade and commerce. Because when corporate guarantees are provided to a bank, the bank lends monies in the economic system of the country and that money, is normally used, in the ordinary course of business for productive purposes in the overall growth the economy of the country. The ultimate purpose of Section 185 of the new Companies Act, 2013 is to put additional restrictions on loan to directors only and not on giving of corporate guarantee by the holding company to its subsidiary company if the Boards of Directors are not common.
NOW LET US UNDERSTAND THE SECTION WITH THE HELP OF PRACTICAL EXAMPLES
Company A has two Directors Mr. X and Mr. Y. Both holds 50% share each of Company.
Company A wish to give loan to following and have asked for your views on same.
A) Loan to Director X.
B) Loan to a relative of Director Y.
C) Director of company D which is the holding company of A.
D) A partner of Director of Holding Company.
E) A partner of Director of company A.
F) To a firm in which Mr. X is a partner.
G) To a firm in which relative of Mr. Y is a Partner.
S No Loan To Whether Co Can Reason
1 Loan to Director X. NO Included in definition
2 Loan to a relative of Director Y. NO Do
3 Director of company D which is the holding company of A. NO Do
4 A partner of Director of Holding Company.
YES A partner of Director of Holding co is not included.
5 A partner of Director of company A. NO Included in definition
6 To a firm in which Mr. X is a partner. NO Included in definition
7 To a firm in which relative of Mr. Y is a Partner. NO Included in definition
EXAMPLE 2 (PRIVATE LTD CO WITH COMMON DIRECTOR)
Particulars Company A (Pvt Ltd or Ltd) Company B (Pvt Ltd)
Directors Cum share holder A (shareholding 60.0%)B (shareholding 40.0%) B (Shareholding 75.%)D (Shareholding 25% )
Only Share Holder Nil Nil
A and B are Husband and wife. D is their Son.
Company B wish to avail loan from Company A, Whether Possible?
Company A cannot give loan to company B as it would be in contravention of Section 185 and would attract penalty.
1) Mr B should resign from the post of Director of Company A and gift his shares to Mr A (gift of shares is tax free). They shall appoint another Director in the company.
As B resigns and transfer the shares then the provisions of section 185 wont apply and company A would be able give loan to company B. OR
2) Converting Company A into a LLP. OR
3) Converting Company B into a Public Limited Company and Mr B reducing his shareholding in Company B to less than 25%.
EXAMPLE 3 (Private Ltd Co To Public Ltd Co)
Particulars Company A Pvt Ltd or Ltd Company B (Ltd)
Directors Cum shareholder A (shareholding 60.0%)
B (shareholding 20.0%)
C (Shareholding 15.0%) B (Shareholding 10.0%)
A (Shareholding 10.0%)
C (Shareholding 5.0%)
Only Share Holder D (Shareholding 15.0%) Others (75.0%)
No it is not possible to advance loan to company B as Director A, B and C collectively are holding 25% of shares of Company B. And hence get covered under the clause 4 of interested party to Director.
1) Either Mr A or Mr B or Mr C should resign from the post of Director of Company A. This would bring down the holding of shares to less than 25% and will enable the borrowing between two Companies. OR
3) Either Mr A or Mr B Or Mr C should give up atleast 1% of their share held in Company B to bring down the holding under 25%.
AMOUNT ALREADY EXISTING ON 12Th SEPTEMBER 2013
Q. In Case any amount is outstanding on 12th September as a loan to Director or anyone in whom Director is interested.
A. The loan can still continue to appear in the books of accounts of Company; however it can't be renewed and is to be repaid on the end of the term. If it's a loan repayable on demand then still it is suggested to make a formal agreement with tenure specified in it.
Q. Company A holds more than 5 % share of company B and have common Director. Company B has availed a loan from bank and because company A holds more than 5% of share of company B it has to be give corporate guarantee for company B to bank.
A. These types of cases are common between related private limited companies. Banks usually takes corporate Guarantee of the companies. In such a case again company cannot renew the Guarantee given to Bank.
However, the CC limits of a company are renewed each year and new Sanction ticket is issued. In such a case corporate Guarantee also gets renewed. It is advised to corporate to approach bank and get the clause of Corporate Guarantee removed.
Note: Sec 186 of the Companies Act 2013 is to be read with sec 185, however length of article does not permit me to include here analysis of Sec 186, next article would be on Sec 186.
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