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LJM Developments CEO, Liaquat Mian, bullish on US and Canadian markets for 2014/15
December 31, 2013 straightlinepr	Leave a comment
World economies and global real-estate to follow suit with sustained growth of North American markets
Burlington, ON, December 30, 2013 – LJM Developments CEO, Liaquat Mian, puts the DOW Jones Industrial Average at 20,000 by the end of 2015 and foresees positive performance by blue chip stocks through 2014.
"I am bullish on North American stock markets as there is currently a lot of liquidity and room for blue-chip share price growth" says Mian. He argues that the stock market comeback in the US is just beginning with sizeable movements projected in most blue-chip stocks as their P/E ratios are still quite cheap, prompting many private and institutional investors to make strategic moves back into certain industries. In particular, industries projected to benefit from this movement, will be Technology, Oil and Gas, Banks and Financial services.
Mian believes there will be further growth in global markets in the next 24 months as the European Union and other western nations follow suit with stimulus spending. It is widely believed that America's early movement to provide stimulus spending and interest rate slashing during the economic meltdown of 2008-09 led to the US economy's modestly paced recovery, while other major financial centers in Europe and abroad still lag behind. Yet as the rest of the western nations further implement similar packages, there is room for growth in those markets.
On the real-estate sector, Mr. Mian touts "Canadian real estate prices will stabilize and post modest gains over the next 24 months. The US real estate market will have steady growth in the next 4 to 5 years". Bank of Canada maintains interest rates at 1% and these low rates are projected to remain steady for the next 3 to 4 years. According to Mian, the Canadian real estate market is considerably cheaper than other major Western nations such as the US, Australia, Germany, England and France.
"Consider the price differences between a flat in London and a condo in Toronto and the saving and purchasing power is evident" he argues. Mian believes the real-estate market in Canada will remain strong over the next 2 years with the GTA, Calgary, Edmonton, and Montréal all in growth patterns.
Other major real estate markets have seen some easing from the low dollar days and signs of growth are starting to emerge. This is especially true in the US where certain high-profile markets in major urban centers such as New York and Miami are starting to see growth. United Kingdom's real-estate market is also growing although at a slower pace than the US. The EU in general was much slower to act on stimulus spending but should be completely out of recession within 12 to 18 months, predicts Mian.
Mian also emphasized that "part of the comeback of the US economy has been through the government's determination in a dogged Currency War that is still transpiring to this day". According to Mian, the US has made it a mandate to keep the dollar somewhat devalued for a number of reasons, but chief among them is to keep foreign investment flowing into the US. These low interest rates combined with a lower valued US dollar has also helped fund debt payments. Without these measures, the economy of the US would face serious financial difficulties, believes Mian. The silent 'currency war' has caused some spin off activity in driving gold and silver down in price as well. Mian further emphasized that diplomacy with Iran will bring down the price of oil to $80-$85 a barrel within the next few months putting pressure on the resource-driven Canadian economy – though he argues these effects to be negligible. A notable offshoot of low oil prices according to Mian is that "lower oil prices provide stability in third world countries and increase the quality of living while decreasing unrest". It is felt among many nations that the need for stabilization, regulation and legislation on pricing, on quality of life goods, such as oil and gas, wheat, rice and other staples will help control price imbalances and control Third World unrest.
About Liaquat Mian:
Mr. Mian is the CEO of LJM Developments, a real-estate development company based in Burlington, Canada. Mr. Mian is a Chartered Accountant and a member of the Fellowship of Chartered Accountants and completed Executive education at Massachusetts Institute of Technology and the University of Texas in Project Management. Mr. Mian brings 20 years of experience in financial services and real-estate investment.
The opinions stated in this article are those solely of Mr. Liaquat Mian, and do not represent financial or investment advice, and may not represent L JM developments. Individuals must seek independent qualified financial advice from a licensed financial services provider before making any investments. Opinions, predictions, and forward looking statements in this article should not be used for making financial decisions or investments. Investors must be aware of the risks involved in making investments and must seek professional advice.
Phuong Nyguen
LJM Developments
info@ljmdevelopments.ca
http://www.ljmdevelopments.ca
Canadian marketsLiaquat MianLJM Developmentspositive performanceUS markets
2 Blue Ducks Welcomes Milestone Baby Cards Into Canada; Commemorate Each New Step of Your Baby's Life
December 28, 2013 flashnewsrelease	Leave a comment
Mark each unique occasion with Milestone Baby Cards, launching this January at the Toronto Gift Fair booth #11513 Hall 11 (Congress Centre).
Toronto, Canada, December 28, 2013 — A baby's first year is filled with endless milestones, proud parental moments and so many firsts that no parent or loved one wants to forget. Mark each unique occasion with Milestone Baby Cards, launching this January at the Toronto Gift Fair booth #11513 Hall 11 (Congress Centre).
These unique development cards are designed to celebrate all the milestones of a baby's first year through creative photographs. Those first steps, her eight-week-old birthday and his first tooth are precious moments we all want to remember. Place each event card next to your baby to timestamp a photo in a memorable way.
Dutch mom Gemma Broekhuis came up with the idea when she decided to capture the moment her son Mikkel rolled over for his first time. She realized how quickly we can forget these moments and how unique these photos with her specially designed cards proved to be. Wanting other parents to share the delight of these time-recorded photos, Broekhuis decided to create Milestone Baby Cards and with distribution in over 22 countries, the rest is history.
"Baby's grow and change so quickly," says Michael Glina, managing director of 2 blue ducks, Canadian distributor. "These hand-designed developmental cards are the perfect way to mark each milestone in your baby's life. If you have friends or relatives who live out of town or the country, Milestone Baby Cards are the best way to share these precious moments."
Winner of the Baby Innovation Award 2013 in the Netherlands, nominated for the K+J Innovation Award in Germany and recipient of highly commended award for the Junior Design Award 2013 in the U.K., Milestone Baby Cards are making waves across the globe and 2 blue ducks is beyond excited to welcome them into Canada.
Added environmental bonus: the cards, box and displays are all printed on FSC certified paper with 70% vegetable oil ink.
Visit the collection and learn more about Milestone Baby Cards at http://www.milestonebabycards.com
Twitter – https://twitter.com/2blueducks
Facebook – https://www.facebook.com/2blueducks
Press & Media Contact:
Michael Glina
2 Blue Ducks
michael@2blueducks.com
http://www.2blueducks.com
http://www.milestonebabycards.com
baby cardshand designed cardsPrecious Momentstime recorded photostoronto gift fair
Companies Must Restructure Management Systems to Achieve Greater Efficiency, Flexibility and Competitiveness
In times of crisis, adopting the Business Process Management (BPM) model can transform this delicate and momentous situation into a great opportunity for the future.
Woburn, MA, December 27, 2013 – AURA (www.auraportal.com), a global provider of Business Process Management (BPM) software, has announced that, during the BPM Eastern Europe Summit held in Bucharest on November 21, where AuraPortal was presented the award for Best BPM Vendor in Eastern Europe, an interview was conducted with the Vice President of the company and speaker at the event, Pablo Trilles.
AuraPortal has been distinguished with great advantage over its competitors by Ovum in its Decision Matrix report and by other renowned analyst firms.
Here are some of the most noteworthy points:
Q. Given the difficulties that companies are experiencing to overcome the crisis which, as we are seeing, highlights the weaknesses of the current economical model, what need do they have to adopt the Business Process Management model?
A. In good economic times all companies do well, but it is in times of crisis that the businesses of the future are truly consolidated. With the help of a BPM (Business Process Management) Suite, this delicate and momentous situation can be transformed into a great opportunity for the future, giving the company a tool that eases adaption and increases its resilience in dealing with the ongoing market changes.
Q. But right now companies need to confront the depressed market, the credit crunch and many other problems in addition to improving their management.
A. Without a doubt these problems exist but they are out of their hands; only management improvement is within their control. They need to be prepared to increase efficiency, flexibility and competitiveness, which can be achieved through the correct implementation of a BPMS.
Q. Does a BPMS project require a large investment?
A. Not at all. With AuraPortal Cloud projects of any size can be undertaken with no initial outlay for infrastructure or programming, and can be implemented almost immediately.
Q. You keep mentioning the BPMS tool. Is it possible to manage processes without the help of a tool?
A. BPM implementation would not be efficient without a tool to ensure that all activities from the different company departments and areas are performed correctly, at the right time and by the appropriate people. I recommend that you watch the video titled Short Call: How most companies work. I'm sure you'll be able to relate to how most companies work and how they can be improved.
About AURA (http://www.auraportal.com):
AURA is a global BPM (Business Process Management) software provider delivering a solution that creates, without the need of IT programming, Business Process Workflow Execution Models. AuraPortal is 100% Web-based, and is complementary to existing ERP and CRM systems.
AURA has a presence in 40 countries with more than 300 customers including, among others: Walmart, Toyota, General Motors, Pemex (Petroleos Mexicanos), Carrefour, ArcelorMittal, PepsiCo, Coca-Cola, Danone, INCAE, Kimberly-Clark, Yamaha,Royal KPN, Bristol-Myers Squibb, etc., as well as many Government Agencies and Departments in several countries. All of these customers benefit from maintenance contracts.
Its headquarters are in Europe (Spain and Holland) with an executive branch in North America (Florida). It also has offices in several countries and a vast network of partners who locally attend customers throughout the world.
Aura Portal
Woburn, MA 01801-7472
john.charles@auraportal.com
http://www.auraportal.com
AuraPortalCompetitivenessefficiencyflexibilityRestructure Management
Paul Reiser Guests on Animal Radio®
Stand-up Comedian, Actor, Writer, Musician Paul Reiser will be guest hosting Animal Radio®.
Los Angeles, CA, December 27, 2013 – Stand-up Comedian, Actor, Writer, Musician Paul Reiser will be guest hosting America's most-listened-to pet talk, Animal Radio®, December 28th, airing on 108 AM/FM stations.
Paul Reiser was voted number 77 of the 100 Greatest Stand-Ups of All Time. "Two or three times a week I drive by the houses of numbers 78-100 just to rub it in," he quips! He is also the author of the bestselling books Couplehood, Babyhood and Familyhood.
Currently, Paul has an 11-year-old Chocolate Lab named Bosco. When asked if he lets Bosco in the bed with him, Paul admits that he does, but stated, "In the last 10 months, he's like Kobe, he just can't quit leap the way he used to, so he's not getting up. But, I would say he is suffering with the same incomplete leap. Also, I will give this to Kobe, my dog cannot dribble to his left. If he gets the ball, he kind of keeps it in his mouth. I mean my dog, not Kobe. Also, we don't let Kobe in the bed. He's a great guy, I admire his work, but he's not getting on the bed."
"Paul is a tremendous talent, witty and quick on his feet. He also has some great stories that he'll share for the first time about his dog," says Animal Radio® Host Hal Abrams.
Paul will be joined by Actress Susan Olsen (Cindy on The Brady Bunch) for this special national broadcast December 28th, airing on 108 incredible AM-FM stations across the nation. Visit http://AnimalRadio.com to find a local affiliate. This special program can also be heard on the Animal Radio® App for iPhone and Android, iHeart Radio, Stitcher, TuneIn and iTunes.
Bob Roth
Animal Radio Network™ LLC
699 Paula St.
Morro Bay, California 93442
postmaster@animalradio.com
http://www.AnimalRadio.com
Animal Radio®Paul Reiserspecial programSusan Olsentremendous talent
Edgar Perez's Literary Sensation Knightmare on Wall Street Best Reviewed Kindle Book on Amazon in 2013
December 26, 2013 staronepr	Leave a comment
Edgar Perez, Author, The Speed Traders, and Course Director, The Speed Traders Workshop, Introduces Knightmare on Wall Street, The Rise and Fall of Knight Capital and the Biggest Risk for Financial Markets, a Behind-the-scenes Look at Knight Capital's 17 years of Tumultuous Existence as an Independent Company.
New York, NY, USA (December 26, 2013) — Knightmare on Wall Street, The Rise and Fall of Knight Capital and the Biggest Risk for Financial Markets, the fascinating account of what it took to elevate Knight Capital to the cusp of the retail investing revolution of the late 1990s, to struggle through booms and busts, and to bring the firm down, is now the most favorably reviewed Kindle edition book on Amazon in 2013, with an average rating of 5 out of five stars.
As reviewed by Seeking Alpha's Sanjeev Sharma, the plot of Knightmare on Wall Street (http://www.KnightmareonWallStreet.com), revolves around the story of one large financial firm, Knight Capital Group. The author gives the details of firm's operations and depicts the efforts and ambitions driving the firm's success. He gives a minute by minute detail of the famous incident and explains the reasons and events behind it.
"The company was nearly bankrupt after it gave mistaken U.S. equity orders due to an improperly installed software that later malfunctioned. The erroneous trading caused volume to dramatically spike and prices to wrongly change in more than a hundred securities listed on the U.S. stock exchanges. Knight could avoid bankruptcy as six Wall Street firms, GETCO, Blackstone, Jefferies, Stephens, Stifel Financial and TD Ameritrade, provided a capital infusion for its solvency after the mistake. The author's style is imaginative, and keeps the reader's interest alive throughout the book. It will surely be interesting and useful, particularly for those who follow or are interested in the world of finance. I think the book is a great read, and would recommend it."
The firm, founded by Kenneth Pasternak and Walter Raquet in 1995, had seen its fortunes change as U.S. regulators made a series of changes in the structure of financial markets and computers were progressively expanding their share of trading. The Flash Crash, the infamous 1,000 point drop of the DJIA on May 6, 2010 (the largest one-day point decline in history), illustrated how market structure problems could almost instantaneously cascade from one market participant to the rest.
Thomas Joyce, CEO of Knight Capital since 2002 and an unapologetic advocate of electronic trading, had been scornful of those companies that struggled to keep up with ever-changing stock markets. So it was certainly shocking that at 9:30 A.M. on August 1, 2012, right after the markets opened for the day, Knight Capital began issuing an unprecedented number of erroneous orders into the market, due to an error in installing new software. No rogue trader or regulatory change; operational risk was passing the bill to Knight Capital and becoming the biggest risk in the financial markets.
Knight Capital announced later a staggering loss of $440 million. What followed after this shocking announcement were several rounds of desperate conversations with a number of vulture players who had smelled opportunity and were readying themselves to pick up bargain-priced pieces. On August 6, 2012, Joyce confirmed that Knight Capital had struck a deal with Jefferies, TD Ameritrade, Blackstone, GETCO, Stephens, and Stifel Financial, staving off collapse days after the trading mishap.
While Knight Capital was back in the game, its limping recovery quickly prompted hungry competitors to bid for the entire company. On December 19, 2012, the board decided to accept an acquisition proposal from GETCO rather than Virtu Financial. For GETCO, acquiring Knight Capital represented a gigantic fast forward step. For Knight Capital, it was the end of its wild ride as an independent entity.
Mr. Perez, the author, is widely regarded as the preeminent global expert in the specialized area of high-frequency trading. He is author of The Speed Traders, An Insider's Look at the New High-Frequency Trading Phenomenon That is Transforming the Investing World, published in English by McGraw-Hill Inc. (2011), Published in Mandarin by China Financial Publishing House (2012), and Investasi Super Kilat: Pandangan Orang dalam tentang Fenomena Baru Frekuensi Tinggi yang Mentransformasi Dunia Investasi, published in Bahasa Indonesia by Kompas Gramedia (2012). Mr. Perez is course director of The Speed Traders Workshop, How High Frequency Traders Leverage Profitable Strategies to Find Alpha in Equities, Options, Futures and FX (Hong Kong, Sao Paulo, Seoul, Kuala Lumpur, Warsaw, Kiev, New York, Singapore, Beijing, Shanghai). He contributes to China's International Finance News and Sina Finance and The New York Times.
Mr. Perez has been interviewed on CNBC's Squawk on the Street, Worldwide Exchange, Cash Flow and Squawk Box, FOX BUSINESS's Countdown to the Closing Bell and After the Bell, Bloomberg TV's Market Makers, CNN en Español's Dinero, Sina Finance, BNN's Business Day, CCTV China, Bankier.pl, TheStreet.com, Leaderonomics, GPW Media, Channel NewsAsia's Business Tonight and Cents & Sensibilities. In addition, Mr. Perez has been globally featured on FXFactor, Columbia Business, OpenMarkets, Sohu, News.Sina.com, Yicai, eastmoney, Caijing, ETF88.com, 360doc, AH Radio, CNFOL.com, CITICS Futures, Tongxin Securities, ZhiCheng.com, CBNweek.com, Caixin, Futures Daily, Xinhua, CBN Newswire, Chinese Financial News, ifeng.com, International Finance News, hexun.com, Finance.QQ.com, Finance.Sina.com, The Korea Times, The Korea Herald, The Star, The Malaysian Insider, BMF 89.9, iMoney Hong Kong, CNBC, Bloomberg Hedge Fund Brief, The Wall Street Journal, The New York Times, Dallas Morning News, Valor Econômico, FIXGlobal Trading, TODAY Online, Oriental Daily News and Business Times.
Mr. Perez was a vice president at Citigroup, a senior consultant at IBM, and a strategy consultant at McKinsey & Co., the American global management consulting firm that focuses on solving issues of concern to senior management; the firm serves as an adviser to businesses, governments, and institutions around the world. McKinsey is widely considered to be the most prestigious management consulting firm in the world, with over 100 offices in 60 countries.
Mr. Perez has an undergraduate degree from Universidad Nacional de Ingeniería, Lima, Peru (1994), a Master of Administration from Universidad ESAN, Lima, Peru (1997) and a Master of Business Administration from Columbia Business School, New York, with a dual major in Finance and Management (2002). He belongs to the Beta Gamma Sigma honor society. Mr. Perez resides in the New York City area and is an accomplished salsa and hustle dancer.
Julia Petrova
Media Relations Coordinator
Knightmare on Wall Street
info@knightmareonwallstreet.com
http://www.knightmareonwallstreet.com
Amazon Kindlefive starskindle editionknight capitalknightmaretradingwall street
"Knightmare on Wall Street" Most Favorably Reviewed Hardcover Book on Amazon in 2013 with Five Stars
New York, NY, USA (December 26, 2013) — Knightmare on Wall Street, The Rise and Fall of Knight Capital and the Biggest Risk for Financial Markets, the new book by Edgar Perez, former McKinsey consultant and author of The Speed Traders, is now the most favorably reviewed hardcover book on Amazon in 2013, with an average rating of 5 out of five stars. Knightmare on Wall Street provides a fascinating account of what it took to elevate Knight Capital to the cusp of the retail investing revolution of the late 1990s, to struggle through booms and busts, and to bring the firm down, to end up ultimately being ignominiously bought up by a competitor. Readers discover a thrilling minute-by-minute account of the terrifying hours following Knight Capital's August 1, 2012 trading debacle, with news-breaking research regarding the firm's 17 years of tumultuous existence as an independent company.
As commented by Seeking Alpha, the style of the author of Knightmare on Wall Street (http://www.KnightmareonWallStreet.com) is imaginative, and keeps the reader's interest alive throughout the book. It will surely be interesting and useful, particularly for those who follow or are interested in the world of finance. I think the book is a great read, and would recommend it.
Knight Capital, the firm founded by Kenneth Pasternak and Walter Raquet back in 1995, had seen its fortunes change as U.S. regulators made a series of changes in the structure of financial markets and computers were progressively expanding their share of trading. The Flash Crash, the infamous 1,000 point drop of the DJIA on May 6, 2010 (the largest one-day point decline in history), illustrated how market structure problems could almost instantaneously cascade from one market participant to the rest. On December 19, 2012, the board decided to accept an acquisition proposal from GETCO rather than Virtu Financial. For GETCO, acquiring Knight Capital represented a gigantic fast forward step. For Knight Capital, it was the end of its wild ride as an independent entity.
Mr. Perez is widely regarded as the preeminent global expert in the specialized area of high-frequency trading. He is author of The Speed Traders, An Insider's Look at the New High-Frequency Trading Phenomenon That is Transforming the Investing World, published in English by McGraw-Hill Inc. (2011), Published in Mandarin by China Financial Publishing House (2012), and Investasi Super Kilat: Pandangan Orang dalam tentang Fenomena Baru Frekuensi Tinggi yang Mentransformasi Dunia Investasi, published in Bahasa Indonesia by Kompas Gramedia (2012). Mr. Perez is course director of The Speed Traders Workshop, How High Frequency Traders Leverage Profitable Strategies to Find Alpha in Equities, Options, Futures and FX (Hong Kong, Sao Paulo, Seoul, Kuala Lumpur, Warsaw, Kiev, New York, Singapore, Beijing, Shanghai). He contributes to China's International Finance News and Sina Finance and The New York Times.
Mr. Perez has been engaged to present at the Council on Foreign Relations, Vadym Hetman Kyiv National Economic University (Kiev), Quant Investment & HFT Summit APAC 2012 (Shanghai), U.S. Securities and Exchange Commission (Washington DC), CFA Singapore, Hong Kong Securities Institute, Courant Institute of Mathematical Sciences at New York University, University of International Business and Economics (Beijing),Hult International Business School (London and Shanghai) and Pace University (New York), among other public and private institutions. In addition, Mr. Perez has spoken at a number of global conferences, includingInside Market Data 2013 (Chicago), Emerging Markets Investments Summit 2013 (Warsaw), CME Group's Global Financial Leadership Conference 2012 (Naples Beach), Harvard Business School's Venture Capital & Private Equity Conference (Boston), High-Frequency Trading Leaders Forum (New York, Chicago, London),MIT Sloan Investment Management Conference (Cambridge), Institutional Investor's Global Growth Markets Forum (London), Technical Analysis Society (Singapore), TradeTech Asia (Singapore), FIXGlobal Face2Face(Seoul) and Private Equity Convention Russia, CIS & Eurasia (London).
amazon bookedgar perezfive starshardcover editionknight capitalknightmarewall street
Business, Software
Zevrix Announces 50% Holiday Sale on All Products until December 31
Zevrix Solutions, a developer of software for graphics, print and file delivery, announces today a holiday season sale until December 31. The company offers 50% discount on everything in Zevrix online store including product bundles. Zevrix makes such popular plug-ins for Adobe InDesign automation as LinkOptimizer, Output Factory and InPreflight, as well as productivity solutions for graphic files checkup, Microsoft Office, file delivery and PDF workflow automation.
Toronto (ON), Canada (December 26, 2013) — Zevrix Solutions, a developer of software for graphics, print and file delivery, announces today a holiday season sale until December 31. The company offers 50% discount on everything in Zevrix online store including product bundles. Zevrix makes several popular automation plug-ins for Adobe InDesign and Illustrator, as well as solutions for graphic files checkup, PDF workflows and automated file delivery.
Zevrix line of software solutions include:
LinkOptimizer: An InDesign plug-in which lets users reduce linked image size by eliminating excess image data, perform essential image adjustments and convert file formats automatically. ArtOptimizer, a similar tool for Illustrator, is also available.
Output Factory: An InDesign plug-in which automates printing and exporting from InDesign and offers batch processing, output as single pages, layer versioning, variable file names, automatic preflighting and more. A hot folder based server version is also available.
InPreflight: An InDesign plug-in which lets users collect multiple files automatically, perform thorough quality control, and create graphic preflight reports.
PDF workflow automation tools: PDF Checkpoint, a solution to preflight and convert batches of PDF files, and BatchOutput PDF which automates PDF printing from watched hot folders.
Deliver: A file transfer software that lets users send and share files easily via FTP, SFTP, Amazon S3, WebDAV and other servers. It offers hot folder processing, automatic email notifications, file compression, delivery history and more.
BatchOutput Office: A suit of productivity tools for Microsoft Office, which automate printing and PDF production from Word, Excel and PowerPoint.
Graphic Inspector: A quality control solution which checks entire folders of images and vector graphic files for multitude of attributes.
Zevrix software can be purchased at 50% off until December 31, 2013 from Zevrix website, http://www.zevrix.com. For details, please visit the website. Product trials are also available for download. All Zevrix products require Mac OS X 10.5-10.9, InDesign and Illustrator solutions require Adobe CS3-CC software.
Located in Toronto, Canada, Zevrix Solutions provides productivity solutions for Adobe Creative Suite software, graphic file diagnostics, PDF workflow, digital delivery, and Microsoft Office on Mac OS. Zevrix Solutions is dedicated to helping professionals achieve more while doing less through automating their everyday tasks, producing error-free documents, saving disk space and cutting production costs. For more information, visit http://www.zevrix.com.
holiday saleholiday season salezevrixzevrix holiday salezevrix online store
For the Last-Minute Shoppers, Ecotech Institute Recommends 10 Eco-Friendly Gifts for the Holidays
Consider Plants, E-Books and Homemade Gifts this Season
Denver, CO, December 23, 2013 — 'Tis the season for giving, and Ecotech Institute, the only college in the U.S. solely focused on renewable energy education and sustainable energy training, has released a list of ten eco-friendly gift ideas.
"While the holiday season is often used as an excuse for over-consumption, there are a great deal of excellent ways to embrace sustainable giving," said Kyle Crider, Ecotech Institute's Program Chair and Manager of Environmental Operations. "Whether you are creating your own wish list or struggling with what to give this year, here are some ideas that are fun to give and receive, with the added bonus of feeling like you've done something good for the environment."
1. Solar and hand chargers. The busiest people on your list will love a charger they can use while on the go! Whether for an emergency or on the beach, this gift is sure to be used.
2. Heirloom plants and seeds. For the green thumb in your life, encouraging gardening and time with dirt can be a simple, thoughtful and fruitful gift.
3. Microloans to fight poverty. Microloans are great gifts to give in honor of someone. These loans help entrepreneurs and small businesses that don't have access to traditional banking sources.
4. Donation to a sustainable charity. For the altruistic friend or family member, find an organization that aligns with their beliefs and make a donation in their name. See if there is a downloadable certificate online to put in their stocking.
5. Re-gift and consignment gifts. Americans in particular often use and discard items while they still have much life left. Gently used and hip vintage items are available around every corner at consignment and secondhand stores.
6. eBooks. In the age of the iPad and tablet, almost everyone has a way to read eBooks. Think about giving a gift card to an online bookstore – an easy, practical and always appreciated gift!
7. Subscription to local, organic farm-to-table program. Opportunities like this vary across the country, but the gift of fresh, local food is sustainable, delicious and much appreciated by farmers.
8. Make, rather than purchase, your gift. This idea is not just for kindergartners or the Pinterest-obsessed (although don't discount the gifts from those groups). Whether a handmade card or a homemade craft, recipients are always touched by the effort put forth.
9. An energy kit with LED light bulbs and rechargeable batteries. Practical and eco-conscious, this gift offers less last-minute trips to the store and renewable energy for months to come.
10. Spend time, not money. As what could be considered the golden rule of sustainable giving, offer your time and energy instead of purchased goods. Whether you plan special time with friends and family at the park or you gather a group to plant trees, outdoor playtime, or earth-friendly volunteer work, these activities can be a gift for everyone.
"However you celebrate the holidays, be kind to each other and the Earth, they will thank you for it!" added Crider.
For more information on Ecotech Institute, visit www.ecotechinstitute.com.
About Ecotech Institute:
Ecotech Institute is the first and only college entirely focused on preparing America's workforce for careers in renewable energy and sustainability and is accredited by the Accrediting Council for Independent Colleges and Schools. Launched in April 2010 in Denver, Colorado, it offers six highly practical renewable energy degree programs that provide graduates with skills valued by today's alternative renewable energy employers. Classes start once per quarter and applications are always accepted. Financial assistance is available to those who qualify. Ecotech Institute is a division of Education Corporation of America. For more information about Ecotech Institute, visit ecotechinstitute.com or call 877-36-5576.
Jenny Foust
Communications Strategy Group
3225 East 2nd Avenue
jfoust@csg-pr.com
http://www.csg-pr.com
eco friendlyEcotech InstituteHolidaysLast Minute Shoppers
Lora Tax Service Receives 2013 Best of Bronx Award
Lora Tax Service has been selected for the 2013 Best of Bronx Award in the Tax Preparation Service category by the Bronx Award Program.
Bronx, NY, December 24, 2013 – Each year, the Bronx Award Program identifies companies that they believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Bronx area a great place to live, work and play. "We are honored to have been given this recognition for our hard work and dedication to the community" said George owner/manager of Lora Tax Service.
Various sources of information were gathered and analyzed to choose the winners in each category. The 2013 Bronx Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Bronx Award Program and data provided by third parties.
About Lora Tax Service
Lora Tax Service provides world-class accounting services in the NYC area. They help their clients save hundreds of dollars every year by providing quality services at minimal costs. With Lora Tax Service, your firm's accounting is in safe hands. They help you take advantage of tax incentives, and avoid pitfalls.
Source: Bronx Award Program
Email: PublicRelations@businessrecognition.org
URL: http://www.businessrecognition.org
George Lora
Lora Tax Service
10 Richman Plaza
info@lorataxservice.com
http://www.lorataxservice.com
2013 Bronx Awardaccounting servicesBronx AwardLora Tax Service
Knightmare on Wall Street Said to Scare Bitcoin Digital Currency Market From $1000 to 10 in 2013
New York, NY, USA (December 24, 2013) — As indicated by The New York Times' Nick Bilton, bitcoin, the digital currency that has captured attention around the world, exploded. By November, it had skyrocketed from a fraction of a penny to $1,242, roughly the price of an ounce of gold. It has been a wild, wild ride: up and down, down and up. Everyone seems to be wondering what this crazy new thing might mean. The end of government control over money? The start of an international crypto-currency? Is Knightmare on Wall Street coming for this market?
Bitcoins are mined according to a set of algorithms. Essentially, computers solve some math problems and generate bitcoins. The coins are stored in, and traded among, digital wallets. People can buy real things with them, at least from people who accept them, or, as many people seem to be doing, sit on them in hopes the price will keep rising. Per the algorithms, mining bitcoins becomes more difficult over time. Only about 21 million of them can ever be created – which is why so many people have been chasing after them. Bitcoins are now accepted as payment at almost a thousand retail outlets and websites, including OKCupid, Reddit, and Pizza Rodi in Montreal. But what has really grabbed attention is how volatile the price has been. The value has gyrated wildly. In the last month alone, the bitcoin market capitalization has swung between $14 billion and $7 billion.
However, Mark Williams of Boston University has insisted that the value of a Bitcoin will pop, falling as low $10 next year. Others say it is all just another bubble. Is the bitcoin market reaty to experience its own version of a Knightmare on Wall Street? This is the new book by Edgar Perez, former McKinsey consultant and celebrated author of The Speed Traders, now available in his website http://www.MrEdgarPerez.com with immediate shipping now available at http://www.KnightmareonWallStreet.com.
Knightmare on Wall Street provides a fascinating account of what it took to elevate the firm to the cusp of the retail investing revolution of the late 1990s, to struggle through booms and busts, and to bring the firm down, to end up ultimately being ignominiously bought up by a competitor. Readers will discover a thrilling minute-by-minute account of the terrifying hours following Knight Capital's August 1, 2012 trading debacle, with news-breaking research regarding the firm's 17 years of tumultuous existence as an independent company.
At 9:30 A.M. on August 1, 2012, right after the markets opened for the day, Knight Capital began issuing an unprecedented number of erroneous orders into the market, due to an error in installing new software. Knight Capital announced later a staggering loss of $440 million. What followed after this shocking announcement were several rounds of desperate conversations with a number of vulture players who had smelled opportunity and were readying themselves to pick up bargain-priced pieces. On August 6, 2012, Joyce confirmed that Knight Capital had struck a deal with Jefferies, TD Ameritrade, Blackstone, GETCO, Stephens, and Stifel Financial, staving off collapse days after the trading mishap.
Perez is widely regarded as the preeminent global expert in the specialized area of high-frequency trading. He is author of The Speed Traders, An Insider's Look at the New High-Frequency Trading Phenomenon That is Transforming the Investing World, published in English by McGraw-Hill Inc. (2011), Published in Mandarin by China Financial Publishing House (2012), and Investasi Super Kilat: Pandangan Orang dalam tentang Fenomena Baru Frekuensi Tinggi yang Mentransformasi Dunia Investasi, published in Bahasa Indonesia by Kompas Gramedia (2012). Perez is course director of The Speed Traders Workshop, How High Frequency Traders Leverage Profitable Strategies to Find Alpha in Equities, Options, Futures and FX (Hong Kong, Sao Paulo, Seoul, Kuala Lumpur, Warsaw, Kiev, New York, Singapore, Beijing, Shanghai). He contributes to China's International Finance News and Sina Finance and The New York Times.
Edgar has been interviewed on CNBC's Squawk on the Street, Worldwide Exchange, Cash Flow and Squawk Box, FOX BUSINESS's Countdown to the Closing Bell and After the Bell, Bloomberg TV's Market Makers, CNN en Español's Dinero, Sina Finance, BNN's Business Day, CCTV China, Bankier.pl, TheStreet.com, Leaderonomics, GPW Media, Channel NewsAsia's Business Tonight and Cents & Sensibilities. In addition, Edgar has been globally featured on FXFactor, Columbia Business, OpenMarkets, Sohu, News.Sina.com, Yicai, eastmoney, Caijing, ETF88.com, 360doc, AH Radio, CNFOL.com, CITICS Futures, Tongxin Securities, ZhiCheng.com, CBNweek.com, Caixin, Futures Daily, Xinhua, CBN Newswire, Chinese Financial News, ifeng.com, International Finance News, hexun.com, Finance.QQ.com, Finance.Sina.com, The Korea Times, The Korea Herald, The Star, The Malaysian Insider, BMF 89.9, iMoney Hong Kong, CNBC, Bloomberg Hedge Fund Brief, The Wall Street Journal, The New York Times, Dallas Morning News, Valor Econômico, FIXGlobal Trading, TODAY Online, Oriental Daily News and Business Times.
bitcoin marketdigital currencyedgar perezknightmaretyler winklevosswall street


Project of a new villa on two levels with garden.
The building consists of two squared volumes that intersect and slip one over the other, giving rise to a dynamic structure, where the alternation of full and empty characterizes the fronts.
At the intersection of the two buildings, stands the circular volume of the chimney. Literally in the heart of the home, the fireplace is located in a double-height area of the living room. Adjacent to this room, a glasshouse facing south west acts as a thermal buffer, and sets in motion the natural circulation of air.
The structure is made of reinforced concrete with an outer coating of red bricks, recalling traditional buildings. The roof has a curved shape and it's made of laminated wooden beams.


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Home » Lifestyle » Cardi B shows off room full of presents ahead of Christmas
Cardi B shows off room full of presents ahead of Christmas
Inside Cardi B, Travis Scott and more stars' wild party nights at Art Basel
Offset, with Cardi B by his side, gives first performance since Takeoff's death at Art Basel party
Cardi B 'hopeless' trying to make Offset 'happy' after Takeoff's death
Art Basel Miami 2022: Guide to the biggest parties and events
Cardi B and Offset are giving Santa Claus and his elves a run for their money.
The "Be Careful" rapper showed off mountains of wrapped presents that couldn't even fit under her family's massive decorated Christmas tree on Saturday.
"My goodness," she said in a video shared to her Instagram Stories on Christmas Eve, flaunting the spanning room filled with gifts.
"And Offset's bringing more f–king gifts," she added, followed by a laugh.
In the clip, there were presents all over the floor and even placed on furniture throughout the room.
While Cardi, 30, holds down the fort at home, Offset, 31, has been spreading holiday joy to those in need.
On Friday, the Migos rapper — whose real name is Kiari Kendrell Cephus — hosted a toy giveaway in his hometown of Lawrenceville, Georgia.
"Thanks to all the kids for always listening to me and always being there for me," he said during the event, according to WSBTV. "We been going through a tough time, but God is good."
The giveaway came as Offset continued to mourn the loss of his cousin, Takeoff, who was fatally shot and killed on Nov. 1 in a Houston, Texas bowling alley.
Earlier this week, the "Clout" rapper tweeted how he's been handling the grieving process, writing, "S–t not easy[,] fake smiling and s–t[,] tryna keep walking with my head up,"
And before celebrating his 31st birthday on Dec. 14 with his wife in Jamaica, he tweeted that he was "in a dark place."
Offset and Cardi secretly tied the knot in 2017 and share two kids together: daughter Kulture, 4, and son Wave, 1. He is also a father to three other kids from previous relationships.
Watch Rory McIlroy and Luke Donald combine for hilarious Love Actually remake to tease Ryder Cup in 2023 | The Sun
Best Film Shots of 2022: Nine Cinematographers Pick Their Favorites

redpajama_set_name: RedPajamaCommonCrawl


Ideal for fixing the front legs to the ground, in order to increase the resistance in case of strong wind and to protect the legs. Delivered with pegs and suitable for Fiamma and Omni awning legs. Colour: Platinum. Dimensions: 20 x 20cm. Kit 2 pieces.


Among Wolves is an observational documentary film about those who struggle to heal long after war's end. The Wolves are a rare breed, a multi-ethnic motorcycle club led by Bosnian War veterans. In the mountains where they once fought, they now defend the threatened herd of wild horses with whom they once shared the front line. Since the war, a harsh environment, poachers, and urbanization have threatened the herd. Stirred by their spirit of survival, the Wolves fight for them and organize ever more ambitious humanitarian efforts for their town and region. In helping others, they discover a new kind of freedom. In working together, they get ever closer to controlling their own fate and finally emerging from the shadow of war.


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Lands of Plenty (2019)
Lands of Plenty
Quick Start / Fast Play Rules
Action Table (table determines action outcomes)
Skill Based (buy or gain skills)
Leo Marshall
Public Alpha Quickstart PDF Version
Product Code: 03/04/2020
Lands of Plenty is set in an environment broadly resembling Mediaeval Europe. On a vast continent that once bristled with kingdoms, dukedoms and principalities, but which has since fallen into a state of anarchy and near constant war, a group of powerful clans vie for dominance. There's no magic in the Lands; however, people well versed in pharmacology and the properties of certain plants and roots might appear to the uneducated to have access to it. Religion is present in the form of animism, spiritual cults, and the lingering remains of now largely discredited polytheistic priestly sects.
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Department of Campus Safety & Security
Meet the Chief of Police
An Introductions to the Operations Division
Investigation Unit
Communications Unit
Records Unit
DRS Resource Officer
Traffic Crash Report
Clery Act Information
History of the Clery Act
Clery Act Crimes and Definitions
Clery Act Geography
Campus Security Authorities (CSA)
ANNUAL CAMPUS SECURITY REPORT
Trespass Warning
Public Crime Log
Emergency Operations & Crime Prevention
Crime Prevention Services and Education
LiveSafe app
Prohibition of Bias-Based Profiling
Additional Services & Resources
American Red Cross-North Florida
Preparing for the Hurricane Season
StopHazing.org
Law Enforcement Links
FDLE
Florida Department of Juvenile Justice
Florida Laws and Statutes
Florida Sexual Offenders and Predators Database
Leon County Sheriff's Office
Office of Parking and Transportation
POM Bldg. A, Suite 128
E: fampol@famu.edu
The Uniform Patrol Division is the largest division of the Florida A&M University Department of Campus Safety & Security. It is comprised of the Patrol Officers, Traffic Enforcement, Special Events and all other Policing Functions.
Police Officers assigned to the Uniform Patrol Section are the backbone of the department. They are the first responders to a call for police service. Our officers currently serve on a daily bases a population of over 15,000, consisting of students, faculty, staff and visitors to the Florida A&M University Campus. That population can easily triple on any given home football game weekend or special event. These officers are committed to preventing and reducing crime, protecting and educating our community and aiding those in need.
Each officer working in the Uniform Patrol Division has been assigned to one of the four shifts. Each shift is led by a designated Corporal or Officer in Charge. The Corporals and Officers in Charge report to the Uniform Patrol Division Sergeant and ultimately to the Administrative Lieutenant in charge of the Operations Division. Shift hours are as follows: Day Shift: 6:00am-6:00pm, Night Shift: 6:00pm-6:00pm.
If you wish to contact the Uniform Patrol Division, please contact Sergeant Erica Herring, Monday through Friday 8:00am-5:00pm (except on university or national holidays) at 850-561-2658 or email at Erica.herring@famu.edu
Emergency: 911 (toll free) Non-Emergency: 850-599-3256 TTY: 850-606-5805


Tax planning is a year-round endeavor, but there are numerous year-end strategies that might reduce your 2015 tax bill. As we approach the gift-giving season, we would like to provide a few ideas that may provide tax saving gifts to you.
You may be eligible to fund an H.S.A. account if you have a high-deductible health plan (HDHP). An H.S.A. is a separate account that is used to pay for out-of-pocket medical expenses. When you contribute into the account, the contributions are pre-tax or tax-deductible up to certain limits. For a family plan, the contribution limit for 2015 is $6,650. Funds can grow tax-free in the account, and the disbursements are tax-free when used for medical expenses. For certain taxpayers, utilizing an H.S.A. can save around $3,500 per year in taxes. You will need to check with your benefit administrator to determine if you are eligible.
You may need to increase your 2015 401K deferrals. If you are employed and are not contributing the maximum annual amount to your particular employer's retirement plan, we encourage you to make that one of your primary goals. Not only does this go a long way towards meeting your retirement goals, but it can save you thousands in taxes every year. The maximum annual deferral for employees under age 50 is $18,000. If you are 50 or older on December 31, you can defer an additional $6,000 for a total annual deferral of $24,000.
If you own your business and it doesn't already have a retirement plan in place, we recommend that you consider implementing some type of plan as soon as possible. There are numerous employer-based qualified retirement plans to choose from. Each type has different limits, criteria, deadlines, and other aspects, but all have the common goal of sheltering income from taxes.
Many taxpayers are aware of the child and dependent care credit claimed by filing Form 2441. For higher income taxpayers, this credit's benefit is limited to $600 for one child or $1,200 for two or more children. However, many taxpayers are unaware of the option to pay for these costs using pre-tax dollars if your employer offers this option. You can exclude up to the first $5,000 of wages by allocating them to this plan. The plan then pays your child/dependent's care provider directly. For a taxpayer in an upper tax bracket with one child, the additional tax savings by using this plan instead of the tax credit can be over $1,000.
The tax rate on long-term capital gains can be 0 percent, 15 percent, 20 percent, 25 percent, or 28 percent, depending on your taxable income. In addition, you may be subject to an additional 3.8 percent net investment income tax on this same income. Because of this, proper tax planning becomes more valuable. In certain situations, harvesting losses by selling a security that has decreased in value, then purchasing the same security at least 31 days later can be beneficial.
Making charitable donations before year end can reduce your 2015 tax bill. An effective strategy is to donate appreciated stock owned for more than one year. That way, you'll enjoy a charitable tax deduction for the security's full market value (subject to certain limitations), while avoiding capital gains tax and the net investment income tax on its appreciated value. Or, if you're considering donating securities that have lost value, you're better off selling them and donating the cash to the charity. Otherwise, you'll miss out on the chance to deduct the capital loss.
If you're behind on estimated tax payments, you may be able to catch up and avoid penalties on your 2015 return by increasing withholdings on your remaining wages and retirement distributions – or, if you file jointly, on your spouse's remaining wages – for the year. Unlike estimated tax payments, taxes withheld from wages are treated as if they were paid throughout the year, regardless of when they're actually withheld.
These are just a few tips that you may be able to implement in order to lower your 2015 income taxes. You also want to be thinking of 2016 opportunities because the best tax planning is year-round tax planning. Every individual's tax situation is different.
These strategies have very specific rules that must be followed, so please discuss these items with your tax preparer before implementing. It is extremely important that you are aware of these and other tax saving measures as they can keep thousands more in your pocket each and every year.
Porter Roberts, Jr., CPA, and Matthew S. Smith, CPA, CFE, are with the Medical Services Group of Barr, Anderson & Roberts, PSC in Lexington, KY. If you would like more information, they can be reached via email at lproberts@barcpa.com and msmith@barcpa.com and via telephone at 859-268-1040.


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JAMES A. ALBERT | PRESIDENT
Professor James A. Albert has been a Professor of Law for 38 years. He is nationally recognized and has won many awards, including being named Professor of the Year eight times at the Drake University Law School. He was named Delta Theta Phi Law Fraternity's Outstanding Law Professor of the Nation four times. He has written several books, appeared on many national television programs including the "Today Show," and appeared as himself in a Cinemax movie about one of his clients. Professor Albert has traveled to Belize 14 times to personally oversee the foundation's scholarship program. He is a 1976 graduate of Notre Dame Law School, the father of twin sons, and the grandfather of 13-year-old twins.
KALE VAN BRUGGEN | VICE PRESIDENT
Kale Van Bruggen is an attorney with Rinke Noonan Law Firm in St. Cloud, Minnesota. Kale has a regional practice in the upper Midwest, where he represents farmers, watershed districts, and counties on regulatory compliance and litigation matters. He graduated from North Dakota State University in 2009 and Drake University Law School in 2012. While in Law School at Drake, Kale started and led the first two Belize Dance Marathons that attracted 1,000 Drake students. He has been a leader of the Foundation since its inception. Kale has traveled to Belize several times to meet with our scholars and teachers, emailing interviews and photos back to donors in America in real time.
NICHOLAS A. COOPER | VICE PRESIDENT
Nick Cooper has been an attorney for over ten years graduating with high honors from Drake University Law School in 2009. In addition to practicing law Nick coached track & field and cross country for seven years at Norwich University, Drake University and at Boise State University. He was named the Great Northeast Athletic Conference Coach of the Year four times. Nick has traveled to Belize with his wife Dr. Kylie Cooper to visit those helped by the foundation. "I have to say my favorite part of volunteering with the foundation is actually meeting all of our scholarship recipients and their families. The students in Belize could not be happier that we are helping them and many repeatedly tell us that our scholarship has changed their life. It always amazes me at how much good we are able to do with so little."
JOSEPH B. SALURI | DIRECTOR
Joseph Saluri is an entrepreneur who resides in Hudson, Wisconsin. Mr. Saluri served as general counsel and executive vice president for Calyxt, Inc. from June 2017 to March 2018. Prior to his employment with Calyxt, Inc., he served as general counsel for Stine Seed Company and its affiliates from July 1999 to March 2017. Prior to his employment with Stine, he practiced as an attorney and solicitor at law with Nicholas Critelli Associates, PC, in Des Moines, Iowa, and London, England from June 1993 to June 1999. Joe received his J.D. degree from Drake University Law School in 1993 and his B.S.B.A. degree in 1990 from Drake University.
PATRICK V. WALDRON | DIRECTOR
Patrick Waldron is a trial lawyer and partner in the Patterson Law Firm in Des Moines. He graduated, with honors, from the Drake University Law School in 1995. Pat specializes in the areas of civil litigation and workers' compensation, and mediates cases for other attorneys throughout the state. He is a top-rated lawyer by US News and World Report, Best Lawyers and Martindale Hubbell. He is the proud father of four. Pat leads the juggernaut of Drake Law graduates and Iowa attorneys who have been the lawyer champions for thousands of children in Belize.
TODD SENNE | DIRECTOR
Todd Senne is the president of Trilix Marketing Group, which he co-founded in 2005. Trilix has become one of the fastest-growing marketing agencies in Iowa and recently expanded to open a second office in Birmingham, Alabama. Todd serves on the Science Center of Iowa's Executive Board, the West Des Moines Business Incubator Board, and the James Arthur Albert Foundation Board. Todd emcees the foundation's annual auctions at the Stine Barn and has lent his and his company's expertise in planning the annual action and creating marketing materials for several years. When not in the office, Todd can be found spending time with his family, playing golf, planning his next woodworking project or cheering on his alma mater — Iowa State University.
PATRICIA REEVE | DIRECTOR
Patty Reeve graduated from San Diego State University with a degree in accounting. She is a CPA with over 30 years experience in accounting, tax, and business consulting. She has worked with the Tax Department of the Brown Winick Law Firm in Des Moines the last 10 years, in addition to providing consulting services to several Des Moines business clients. Ted and Patty Reeve have been enthusiastic supporters of the Albert Foundation since its inception and are strong believers in the power of education.
TED REEVE | DIRECTOR
Ted Reeve is a Des Moines-area executive home builder and owner of Legacy Homes. He graduated from Iowa State University School of Engineering. Ted has been building and remodeling homes in Des Moines for over twenty years. He reviews and approves the construction plans, budgets, and costs of the classrooms that the Albert Foundation builds in Belize.
JOEL W. BARROWS | DIRECTOR
Hon. Joel W. Barrows is an Iowa District Court Judge located in Davenport. Judge Barrows graduated from the Drake University Law School in 1989 and earned his LL.M. from Georgetown University Law Center, with honors, in 1993. Joel's father, David Barrows, a Clinton County entrepreneur, retired to Belize in the 1980s. Judge Barrows spent much of his youth in Belize, traveling to that country nearly 40 times and traversing its width and breadth with his father.
NICK SHAULL
Nick Shaull is an attorney at Spaulding and Shaull law firm in Des Moines. Nick attended Drake University Law School, where he took Torts, Advanced Torts, and Administrative Law with Professor Albert. Through their classroom work, Nick got to know Professor Albert, a relationship which continued and grew after Nick graduated from Drake Law in 2009. It was through this relationship that Nick initially became involved in and inspired by the work being done by Professor Albert and the Books for Belize Foundation. What started with attending the Foundation's auction in year-one, gradually developed into more activity each year: helping secure donations and advertising; attending monthly meetings to plan for the Foundation's annual event; and eventually becoming a member of the board ten years later. Each year's participation grew with the passion of helping more and more children attend school—an opportunity otherwise unafforded—and thereby, helping them reach dreams that were previously unimaginable. Thus, the passion and reward of the Foundation's work.
DANETTE L. KENNEDY
Ms. Kennedy is a graduate of Texas Christian University and Drake University Law School, She is an active member of the Iowa Bar as well as a published author, and past board member for the National Association for Fixed Annuities.
Danette is a proven fixed index annuity (FIA) industry veteran with a well-rounded background leading teams in compliance, sales training, product Ideation, strategic sales initiatives, and legal for the industry's leading insurance carriers. Her experience also includes working for a top independent marketing organization (IMO), as well as running her own IMO. Danette has served as the director of a US based diversity program, and as general counsel to a national financial service distribution company, where she also created the industry's first women's mentoring agent network. She has over 20 years' experience in the financial services industry and holds a rich and diverse range of talent.
Danette and her children we first traveled to Belize in 2015 and fell in love with the country's rich culture and wonderful people. As a member of the Foundation's Board she is committed to growing our Foundation's impact and sustainability.


Latest Updated On 12.02.2019 : Delhi High Court Has Released Jr. Judicial Assistant Admit Card….Download Your Admit card Through The Link Given Below…………….
Delhi High Court invited many applicant for the recruitment of 60 Posts of Junior Judicial Assistant. Candidates filled there online application form. Candidates Submitted there Online Application Form From the Date 04.01.2019 (10:00 Hrs) to the Date 23.01.2019 (22:00 Hrs). The Candidates can check the details of recruitment from the below Link.
The Candidates filled there application form successfully and now they are waiting for the exam. An objective Test for recruitment of Junior Judicial Assistant (Technical) in the Establishment of High Court.
Candidates filled there form and started there preparation for the Competitive exam. This is the time when clearing a Competitive exam is not easy so all of that candidates who filled the application form are also worried about there exam. So all of that Candidates can get the help with this post. In this post we are providing the best suitable and selective Exam Pattern So that the Candidates Can easily study that and can clear the exam too.
Qualifying marks for General Category candidates will be 40 marks out of 75 marks in the Written Test & 15 marks out of 25 marks in the Interview. There will be relaxation of 5 marks for the Reserved Category (including PH and Ex-servicemen) candidates in the minimum marks of Written Test, i.e. , 35 marks instead of 40 marks. There shall be relaxation of marks to the extent of 5% for the Reserved Category (including PH and Ex -servicemen) candidates at the stage of interview. There shall be no rounding off of marks.
General Intelligence : Questions will be asked from Indian Current Events, General Science, General Knowledge. Focus will be mainly on Current affairs of National & International news, Important dates, Current Science, Technology, Sports & Culture.
General Awareness : Questions are designed to test the candidate"s general awareness of the environment around him and its application to society. Questions are also designed to test knowledge of current events and of such matters of everyday observation and experience in their scientific aspect as may be expected of an educated person. The test will also include questions relating to India and its neighboring countries especially pertaining to History, Culture, Geography, Economic Scene, General policy and scientific research.
Quantitative Aptitude : This paper will include questions on problems relating to Number Systems, Computation of Whole Numbers, Decimals and Fractions and relationship between Numbers, Fundamental arithmetical operations, Percentages, Ratio and Proportion, Averages, Interest, Profit and Loss, Discount, use of Tables and Graphs, Mensuration, Time and Distance, Ratio and Time, Time and Work, etc.
English : Literature, Verb, preposition, adverb, subject verb agreement, Error Correction/ recognition, tenses, sentences rearrangement, fill in the blanks with articles etc., comprehension, answering questions based on unseen passage, vocabulary, synonyms and antonyms usage, vocabulary & grammar, Proficiency in the language.
Computer Science : In this part questions will asked related to Peripheral Device, Number System, Memory, Internet, Modem, Operating System, Languages, MS Office, MS Word, MS Excel, E-mail etc.
Candidates can add our page (www.jobriya.in) to their Bookmark to get the latest update alerts regarding the Exam, Syllabus and Result.
Is there any negative marking in this paper?
PLEASE SEND ME SAMPLE PAPER OF JUNIOUR JUDICIAL ASSISTANT TECHNICAL ASAP.
Sir, the above mentioned syllabus is perfectly suitable for Delhi high jja technical exam or not ? If yes, Please provide the proper material of computer science section only because all students are confused what questions will ask on computer science topic . please sir help us.
When will be the result of this exam announced???


Utilized Morningstar and Bloomberg to research and analyze securities and mutual funds for clients under management.
Developed an extensive database with Excel to track past performance to determine future positions.
Created a marketing database to develop and maintain close client interaction and explain current investment opportunities.


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Delivering of Crossrail 2 must not be held up by any more dithering – Caroline Pidgeon
Caroline Pidgeon, Liberal Democrat London Assembly Member, commenting on today's joint statement on Crossrail 2 from the Secretary of State for Transport, Chris Grayling MP, and the Mayor of London, Sadiq Khan said: "We should be encouraged that the Mayor of London and the Secretary of State for London are at long last even talking together about how to take Crossrail 2 forward.
"Commuters from Winchester through to Cambridge should not pay the price of the strained relations that exist between the current Secretary of State for Transport and the Mayor of London."
"Crossrail 2 is a vital infrastructure project that will benefit train users from the Solent to the Wash, not to mention many train users in south west and north east London."
"Another vital reason for Crossrail 2 is that it will remove pressure from many Tube stations that are already seriously overcrowded. Without Crossrail 2 many Tube stations will literally buckle under excessive pressure from passengers, leaving them no choice but to introduce emergency measures such as one-way systems and regular closures."


Apple is one of the best smartphones around. No matter where you are in the world, it gives you one of the best experiences you can hope for in a smartphone. With its iOS 12, it just got better. Coming hot on the heels of the iOS 11.4, iOS 12 promises a lot of cool features. One feature that is particularly worth looking forward to is iCloud Messages.
Part 1: What Can You Look Forward to in iOS 12 iCloud Messages?
What Can You Look Forward to in iOS 12 iCloud Messages?
Free up space on your iPhone/iPad: You don't have to suffer for space anymore. You can save all photos and attachments in your messages to iCloud. This gives you more space to enjoy your apple device.
Store all your messages in one place: All your messages can be accessed from your iCloud account. You would be able to keep them for longer and access them anytime you want.
Keep everything in sync: The iCloud Messages feature allows you to sync all your messages between your iOS and macOS devices.
Get all your messages on a new device: Changing your apple device doesn't have to stress you anymore. You can now see all your messages as soon as you sign into your new iPhone, iPad or Mac.
Delete a message on one device and it's gone everywhere: You don't have to manually delete your conversations from individual devices anymore. With iCloud Messages, you can delete everything at once.
Despite all the great features of iOS 12 iCloud Messages, privacy is still an issue. This is because everything you delete is kept in recoverable format even though you cannot see it. This means that you still have to worry about the security of your data when you sell your device or give it away.
Instead deleting messages manually and letting deleted record your reveal privacy, you can take advantages of iMyFone Umate Pro iPhone Data Eraser Win/Mac to permanently destroy private data from iPhone, iPad or iPod touch.
Applied with overwriting techniques, Umate Pro promises to make all deleted data 100% unrecoverable. It offers you the most efficient way to protect your privacy on iOS. You don't have to wonder if those messages are really gone. Within it, full privacy is only one click away.
Fully delete any messages (including business chat) you want from iPhone/iCloud.
Any deleted data which is recoverable will be found out and erased.
Ensure that every data you erase is 100% unrecoverable. There's no wondering if those messages are truly gone.
Also wipe messages and attachments from 3rd-party apps, like WhatsApp, Viber, Kik and WeChat.
Clear messages cache from iOS to release space and keep it run at optimum.
Umate Pro is fully compatible with iOS 12 and recommended by lots of professional software review media, like getintopc.com, MacWorld, APPKED, etc.
Step 1: Connect your device to computer and launch Umate Pro iPhone Data Eraser.
Step 2: Choose from the erasing modes and let it scan.
"Erase Private Data": It will scan all the existing data on your device, like messages, call logs, photos, videos, notes, browsing history, etc.
"Erase Deleted Files": You can preview the recoverable deleted files and choose unwanted data to be 100% unrecoverable.
"Erase Private Fragments": Any traces and fragments left by Snapchat, Facebook, Chrome, Twitter, Instagram, Skype and other 3rd-party apps will be found and wiped.
"Erase All Data": All the existing and deleted data will be erased from your device. It's similar to factory reset but be much safer.
Step 3: Once the scan is complete, you can now preview the scanned files. Select all the files that you want to permanently erase. Click the "Erase Now" button to permanently delete the data you have selected.
As promised, Apple brings much-needed power management to the battery settings iOS 12. Users will be able to see the overall battery health. You can turn off "Peak Performance Capability" if your battery health is perfect. But if your battery health is poor, when you try to turn this feature off, it will remind you your device might unexpectedly power off or restart.
To see your batter health, you can go to "Settings > Battery > Battery Health".
Business Chat is very new in iOS, which offers a new way for users to communicate businesses directly with business in Messages app. Businesses supported includes Discover, Hilton, Lowe's and Wells Fargo. iOS 12 users can take advantages of Business Chat to easily talk with a service representative, make purchases via Apple Pay or schedule an appointment just within Messages.
Animoji is the feature for iPhone X users, so this new iOS 12 feature is only available for iPhone X users who update to iOS 12. In this new version, you will have 4 new Animoji to play with: a lion, bear, dragon and skull.
Apple will up its AR game in iOS 12 with ARKit 15, aiming to bring even more immersive AR experiences. It will make iOS the world's biggest AR platform. ARKit 1.5 allows developers to provide better AR experiences that better integrate with the world. The new ARKit would recognize and place virtual objects on vertical surfaces.
iOS 12 will come with a new Safari version 11.1 that offers you improved protection against memory corruption and code execution attacks. The new Safari 11.1 gives you much more features, like service workers, payment request, security improvements, web inspector updates and web inspector updates.
iOS 12 also features a new Health Records app that makes it easier for users to access and control of all of their health records and data. Users are available to see their available medical data from multiple providers. But don't worry, the health records data is encrypted and protected with passcode.


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Guatemala a nagy-britanniai Londonban megrendezett 2012. évi nyári olimpiai játékok egyik részt vevő nemzete volt. Az országot az olimpián 11 sportágban 19 sportoló képviselte, akik összesen 1 érmet szereztek. Guatemala első érmét szerezte az olimpiai játékok történetében.

Érmesek

Atlétika

Férfi

Női

Cselgáncs

Férfi

Kerékpározás

Országúti kerékpározás

Férfi

Öttusa

* - két másik versenyzővel azonos eredményt ért el

Sportlövészet

Férfi

Súlyemelés

Férfi

Női

Taekwondo

Női

Tollaslabda

Torna

Női

* - egy másik versenyzővel azonos eredményt ért el

Úszás

Férfi

Vitorlázás

Férfi

Női

Jegyzetek

Források

Guatemala
N2012

redpajama_set_name: RedPajamaWikipedia