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March 26, 2019 /0 Comments/in broker, Finance, Home, LOAN, LOW RATE MORTGAGE /by CB_2017
After facing public backlash due to the controversies revealed by the royal commission, the National Australian Bank announced that it would discontinue its home-loan referral scheme to rebuild its reputation and regain the trust of borrowers.
In a statement, NAB's acting chief executive, Phil Chronican, said NAB will no longer pay commissions to members of the public who refer new home-loan clients to the bank.
"Like other businesses, we will still welcome referrals and will continue to build strong relationships with business and community partners," he said.
NAB's referral scheme, also known as the Introducer Program, involved payment of a spotter's fee to people who successfully referred fresh home-loan borrowers to the bank. According to a report in The Sydney Morning Herald, NAB paid roughly $100m in referral payments between 2013 and 2016, providing introducers with commissions of 0.4% of the loans.
During its investigation, the royal commission found that many of the introducers were real estate agents, lawyers, and sports club members. One of the many red flags the investigation uncovered was the commission paid to a gym owner whose profession was not qualified for the program.
The commission also discovered the alleged involvement of some NAB introducers in a bribery ring in Western Sydney.
In response to these findings, NAB initially pledged to bolster its introducer program, creating regulations which would make qualifications for an introducer more stringent. This initial response was in line with Commissioner Kenneth Hayne's suggestion, which was to improve the regulation of introducer schemes.
"Introducers must only act within the confines of their prescribed role. Entities must have systems in place to ensure that introducers do not exceed this role. And entities should not regard the role of the introducer as modifying their own responsible lending obligations," he said.
However, Chronican said the bank's decision to ultimately scrap the scheme is fitting to meet community expectations.
"We want customers to have the confidence to come to NAB because of the products and services we provide – not because a third party received a payment to recommend us," he said.
Patrick Veyret, policy and campaigns adviser of consumer advocacy group Choice, told the Herald that commission-based schemes would only be detrimental to the industry and to the community it serves.
"As we've seen across the industry, percentage-based commissions create conflicts of interest, where advisers, such as introducers, are incentivised to recommend larger and less affordable home loans to maximise their own pay cheques," he said.
Tags: first home buyers loan with no deposit, home loans rates, MORTGAGE BROKER COMMISSION, mortgage broker kenwick
Property Investment In Australia For The Beginners Are stricter rules slowing down home-loan approvals?


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can accommodate high string tensions compared with competitor rackets.
these balls are apt for tournaments, practice as well as beginners.
From humble beginning, since more than five decades, BHALLA SPORTS PVT. LTD. has grown into a major force to reckon with in the field of sports in India as well as International market. Now the company has successfully introduced its premium brand VIXEN dedicated to customer satisfaction through excellence in quality manufacturing and supply of sports and fitness equipments at competitive prices and timely delivery. VIXEN is now a preferred brand of varied range of sports goods and fitness equipment including Football, Basket ball, Badminton, Cricket, Sports Nets, Chess, Whistle, Dart boards, Carom boards, Skipping ropes, Sports Gloves, Sweat bands, Wrist bands, Knee caps and Anklets, Athletic supporters, Treadmill, etc.


At first glance, I get the impression that they are an integrator who is kitting off the shelf components into packages for law enforcement / city surveillance use.
"I am in the city of Toledo, OH and they have been installing many cameras around the city. I am told that the cameras all have DVRs in the boxes on poles and will connect via Wireless(Ubiquiti), local fiber, or cellular point-to-point. The electrician I know installed many of them and the utility company connected power to the units. He made a comment about many problems with the wireless transmission which led me to inquire about the issues. I think a lot had to do with line of site and with interference.
The cameras in our city look to be Dahua PTZ cameras with the dual IR. From the video footage I have seen, they all look like they are SD. I doubt they are MP. The construction of the mounting solution and outdoor boxes are pretty solid. The city also has two of the mobile trailer style units. I haven't seen or interacted with the backend system to see how easy it is to use."
When I was with a police dept. we got a grant and got a SkyCop mobile surveillance trailer. made in Memphis, TN. It had LPR cameras and 2 PTZ and one fixed camera targeting the trailer. It was self contained DVR, Generator, cellular modem. The only issue was the generator, which SkyCop replaced. The dept. deploys it about 80 hours per week for over the last 2 years. I checked with the dept and they said the support and training is very good and once they worked out the generator issues, it has worked well and were pleased.
ESI is the company, here in Memphis, that manufactures the SkyCop brand. John, you are right that it is just an assembledge of off-theshelf eqipment however, the company does hold several patents on the assembly such as the unique mounting method. It's basic stuff but it's tested and works and is somewhat idiot proof. Obviously there is a huge deployment here of city surveillance using SkyCop procured through the police dept. and monitored at the MPD Real Time Crime Center. ESI sells mostly to law enforcement or municipality and a lot through GSA schedule but any integrator can apply to be a reseller I think.


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Question Video: Studying the Collision of Two Spheres Where One Is Moving and the Other Is Resting on the Same Line Mathematics
A sphere of mass 299 g was moving horizontally in a straight line at 51 cm/s. It collided with another sphere of mass 390 g that was at rest. As a result of the impact, the first sphere came to rest. Determine the speed of the second sphere after the impact.
A sphere of mass 299 grams was moving horizontally in a straight line at 51 centimeters per second. It collided with another sphere of mass 390 grams that was at rest. As a result of the impact, the first sphere came to rest. Determine the speed of the second sphere after the impact.
We can call the mass of the first sphere that's mentioned, 299 grams, 𝑚 sub one. And the speed of 𝑚 sub one before it reaches the second ball, 51 centimeters per second, we'll call 𝑣 sub one. The second sphere, the one that's initially at rest, has a mass of 390 grams, which we'll name 𝑚 sub two. Knowing that the first mass comes to a rest after the collision, we want to calculate the speed of the second sphere after the impact. We'll call that speed 𝑣 sub two.
Let's start off by sketching out this collision. In this situation, before the collision, mass one is moving at speed 𝑣 one to encounter mass two, which has a speed of zero. It's stationary. Then after the spheres collide, mass one is stationary, not in motion at all, and mass two is moving at a speed 𝑣 sub two. It's that speed that we want to solve for. And we'll solve for 𝑣 sub two by recalling that momentum is conserved.
Mathematically, we can write this out as saying that the initial momentum, 𝑝 sub 𝑖, of a system is equal to its final momentum, 𝑝 sub 𝑓. Written another way, we can say that the initial mass of a system multiplied by its initial speed is equal to its final mass times its final speed.
In our given system, we have two masses: 𝑚 sub one and 𝑚 sub two. So the initial momentum in the system is equal to 𝑚 one 𝑣 one plus 𝑚 two times its initial speed. Since 𝑚 sub two is initially at rest, the second term is zero. And the initial momentum of our system reduces to 𝑚 one times 𝑣 one.
When we consider our system after the collision, we see that now 𝑚 one is not in motion and 𝑚 two is at a speed 𝑣 sub two. So the term 𝑚 one times zero is equal to zero. And our final momentum of the system is 𝑚 two times 𝑣 two.
And by the principle of the conservation of momentum, the initial momentum of our system is equal to the final momentum. That is, 𝑚 one 𝑣 one is equal to 𝑚 two 𝑣 two. Since 𝑣 two is what we want to solve for, we can rearrange this equation. And we see that 𝑣 sub two is equal to the ratio of mass one to mass two multiplied by the speed of mass one initially, 𝑣 one.
When we plug in the given values for these three terms and calculate 𝑣 sub two, we find it's 39.1 centimeters per second. That's the speed of the second ball after the collision.
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Thanks to this week's new members: Deborah Becker- State Farm Insurance and Clever Owl.
Clever Owl, DECI's newest member, is a design and marketing start-up. They can design anything from t shirts to logos to posters. Need to revamp your business? Clever Owl also offers strategy sessions, custom websites and maintenance and social media management.


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20 Reasons The Rock Rocks
By:Hayden Black
Oct. 8 2019, Published 3:59 p.m. ET
The Rock is so incredibly cool that he has over 158 million followers on Instagram. Just how do you go about getting that kind of number?
MORE: DWAYNE 'THE ROCK' JOHNSON SHARES MORE PHOTOS FROM HIS HAWAIIAN WEDDING WITH LAUREN HASHIAN
Well sure, you can star in blockbuster movies and be an awesome wrestler, but there's more to it than that. Because The Rock — or Dwayne Johnson — is so much more than just his movies or previous career.
MORE: DWAYNE 'THE ROCK' JOHNSON BUYS HIS MOTHER A HOUSE — SEE HER EMOTIONAL REACTION
From his tattoos, saving his mom's life, adding a word to Webster's Dictionary and to holding world records, Dwayne is a man who rocks so hard that he has more IG followers than almost anyone else in the world. Deep dive into the gallery to uncover the 20 reasons why so many Instagram followers love the Rock.
1. He Saved His Mom's Life.
Dwayne and his family went through a rough patch when he was a teenager, and they lost their apartment. His mom, Ata Johnson, stopped their car on a highway in Nashville and attempted to walk into oncoming traffic, but Dwayne swiftly held her shoulder and pulled her to safety.
2. Seven Bucks.
Before The Rock took a professional role on as a wrestler, he had been cut from the Canadian Football League and only had seven bucks in his wallet. He named his production company Seven Bucks Productions, and happily for him, they've made a lot more than seven bucks.
3. World Record Holder.
While walking the red carpet at the premiere of his movie San Andreas in 2015, The Rock took 105 selfies inside a three-minute span, which briefly made him a Guinness World Record breaker for most selfies taken in three minutes. He lost the record to Donnie Wahlberg shortly after.
4. The Coolest Nicknames.
As most everybody knows, Dwayne shot to fame as The Rock, but he's had other nicknames too. When he first began wrestling in the United States Wrestling Association, he changed his name to Flex Kavana. Then at the WWF, he performed as Rocky Maivia.
5. He's An Actual Trekkie.
The Rock's second TV role was in an episode of Star Trek: Voyager. He played an alien gladiator in 2000 and used some of his unique WWE moves.
6. Oompa Loompa.
Imagine a world where Willy Wonka was played by The Rock and not Johnny Depp. That almost happened in 2005 when Tim Burton considered casting him in the lead role in his remake of Charlie and the Chocolate Factory.
7. He Helped Save A Life.
In the movie San Andreas, Dwayne's character — a search-and-rescue medic — performed chest compressions on someone. Jacob O'Connor, age 10, saw that movie and was quick-thinking enough to use the same technique on his little brother who had fallen into their grandmother's swimming pool.
8. FBI Agent.
While in school, The Rock was studying both criminology and physiology (he later took home degrees in both). He was seriously thinking about a career with either the FBI or CIA until a professor informed him that he'd need a law degree for a full career in either organization. He changed his mind.
9. That '70s Show.
Dwayne's first job (outside of the ring, that is) came in 1999 when he costarred in an episode of That '70s Show. In a touching part, he played the role of his actual real-life dad, wrestler Rocky Johnson.
10. Willie Nelson's BFF.
Dwayne, a serious country music fan, was delighted when Willie Nelson bought him a guitar for his birthday. They had become friends around 2000.
11. He Knows How To Cheat.
A post shared by therock (@therock)
The Rock doesn't cheat on his wife or in business, but his cheat meals are off the charts. He sometimes breaks away from his hard-core regimen, and when he does, it's awesome. According to a Reddit 'Ask me anything' forum that he once participated in, The Rock's favorite "cheat meal" is double dough pizza, pancakes and peanut butter brownies with a Diet Coke. Yum.
12. He Made The Dictionary.
As a full-time WWE wrestler, Dwayne developed his own catch-phrase which was to tell his rivals that he would "lay the smackdown" on them. After saying it so often, the Merriam-Webster Collegiate Dictionary listed it in 2007.
13. Another Record Broken.
The Rock was cast in his first film, The Scorpion King, in 2001 and broke another Guinness World Record for the highest salary ever paid to an actor for top billing for the first time. How much did he make? A cool $5.5 million.
14. Big Donor.
The Rock likes to give back too. In 2007, he donated a million dollars to his alma mater, the University of Miami, to help it renovate its football facility. This donation is the largest ever made by one of UM's former students.
15. Big Spender.
Dwayne doesn't just spend his money on colleges. He's bought his dad Rocky two different cars — a Ford Explorer in 2016 and a Cadillac Escalade in 2018.
16. He Has Cool Tattoos.
The Rock has a massive tattoo that he got back in 2003 that covers most of his chest as well as his left arm. The tattoo, which took 60 hours to complete, matches the one his character had in Moana. It is a partial Pe'a tattoo, which is part of traditional Samoan culture.
17. He Learned To Sing.
For Moana, The Rock had to belt out a song but had never done so professionally. In order to deliver a pitch-perfect rendition of Lin-Manuel Miranda's track, "You're Welcome," the Rock sang along to the demo nonstop for months.
18. Fisherman Extraordinaire.
One of The Rock's favorite pastimes is fishing and his IG page is a testament to that. In fact, he also raises bass on his farm in a special pond.
19. All In The Family.
The Rock employs his cousin Tanoai Reed as his stunt double. But most of his family have also appeared on or near a camera. Both his dad and grandfather were famous wrestlers, and his grandmother Lia Maivia was one of the first female wrestling promoters.
20. Canada.
Dwayne's father was a Canadian citizen. He was born in Nova Scotia, but despite Dwayne being born in the US, he holds a Canadian passport. This was because he wanted to honor his dad's heritage and so became a dual citizen in 2009.


Schworer Volkswagen is excited to offer this 2012 Volkswagen Jetta Sedan. Start enjoying more time in your new ride and less time at the gas station with this 2012 Volkswagen Jetta Sedan. Low, low mileage coupled with an exacting maintenance program make this vehicle a rare find. Based on the superb condition of this vehicle, along with the options and color, this Volkswagen Jetta Sedan TDI w/Premium is sure to sell fast.


Who as a child hasn't dreamed of running away to join a circus? I grew up watching circus performances in India and loved every moment of it.
When I came to the US to attend graduate school and learned that a circus was in town, I stopped by to watch a performance. The show was okay, but the constant refrain of "the greatest show on earth" turned me off. I wanted to say, "How about you put on a show and let me decide if it's really the greatest show on earth. Ever heard of show, not tell?"
Later I learned that animals don't exactly run away to join the circus (see RinglingBeatsAnimals.com) and I was permanently turned off by traditional circuses. But you don't have to deprive yourself and your young ones of the joy of watching impossible feats. There are many fine shows such as Cirque du Soleil that do not abuse animals for profit's sake.
Many terms from and about the circus have entered the English language vocabulary. This week we'll feature five that are often used metaphorically in non-circus contexts.
noun: A situation marked by confusing, amusing, or tumultuous activity.
After a circus with three separate rings in which performances take place simultaneously. Earliest documented use: 1898.
"Guy Ritchie told friends recently: 'Our marriage was a three-ring circus in the end. We started as a normal family and tried to live a normal family life, but Madonna wanted something else.'"
Marriage Had Become Three-Ring Circus; Daily Record (Glasgow, Scotland); Oct 16, 2008.
See more usage examples of three-ring circus in Vocabulary.com's dictionary.


After two legal attempts by parents to take over a South-Central LA elementary school they said was failing their children, an agreement has been reached for the school to join the Partnership for Los Angeles Schools. The deal averts a threatened lawsuit and ends a two-year "parent trigger" battle.
The agreement moves 20th Street Elementary into the Partnership family of 17 schools in South LA, Boyle Heights and Watts. The organization takes over low-performing schools while working in conjunction with the district to manage the schools and retaining union contracts.
The plan was announced Tuesday by parents at the school, the Partnership and LA Unified in a district press release, which said LA Unified and the Partnership signed a five-year Memorandum of Understanding for the organization to manage the school, starting with the upcoming school year.
The parent group, known as the 20th Street Parents Union, has been supported by Parent Revolution, a nonprofit group that helps parents take over failing schools through the state's Parent Empowerment Act — known as the "parent trigger" — which allows parents to enact changes at a school if a majority of them sign a petition. The changes can include replacing administrators or converting the school into an independent charter school. In this case, 20th Street will remain a traditional LA Unified school but with some changes.
Parents at 20th Street, a K-5th grade campus serving nearly 600 students, first enacted a parent trigger during the 2014-15 school year but withdrew it when LA Unified changed principals at the school and made a number of assurances. But parent leaders were unhappy with the progress, and in January they enacted another parent trigger petition.
Omar Calvillo, a 20th Street Parents Union coordinator, said he is pleased that the Partnership will now manage the school.
Academic performance has been at the heart of the parents' grievances. The most recent 20th Street school report card showed 37 percent of 5th-graders passing the California Standards Test compared to a district average of 47 percent. The school also scored a 46 out of 100 on the new CORE accountability system, while the the district average was 60.
In March, the district rejected the second parent trigger and said the school didn't qualify for one, and that no district school qualified under the state parent trigger law because the state has no current accountability system since the Academic Performance Index was canceled in 2013. The state is currently working on a new system.
In 2014, former Superintendent John Deasy declared that the district was exempt from the parent trigger due to a federal waiver it had received from the federal No Child Left Behind law. Deasy resigned in October 2014, and the following month his replacement, Ramon Cortines, reversed the decision. Michelle King took over as superintendent in January after Cortines retired, and in March essentially reversed district policy on parent triggers.
At a meeting in May with district leaders, parents at the school outlined their grievances, which included a lack of progress in making academic changes in the classroom. A press release from the 20th Street Parents Union outlined a number of changes the Partnership said it is going to bring to the school, including additional funding to hire an assistant principal and a Title III coordinator to support English learners, a plan to implement the Eureka math curriculum and for 20th Street to become part of the district's per pupil funding pilot program.
LA Unified school board member Monica Garcia, who has worked closely with the 20th Street Parents Union, endorsed the plan.


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American Flag Sound Sculpture
Created by Xaver Wilhelmy
Interview with Wilhelmy
A Voice for the Silent
One day Xaver Wilhelmy was sipping a gin and tonic at the top of the World Trade Center. When he returned, it was "Ground Zero" and there was a smoking pile of mangled devastation. In time he would also return to experience the memorial. Talk about contrast.
The loss of those days was... and continues to be... staggering. The hugs not shared, the words not spoken, the silence, the loss.
Xaver Wilhelmy is a pipe organ builder who specialized in voicing - the math and physics of creating sound. In the aftermath of September 11th, he wanted to create a unique sound for each voice lost that day. He wanted to make them of glass because of the interplay of light and color that is complex and ever-changing, just like the human spirit. Nothing inspires and heals like music and beauty, and he wanted his work to comfort those who mourn.
Never-mind that organ pipes had never been made of glass before, he didn't let that stop him. He designed prototypes at his dining room table. His young daughter chose the colors.
Then he began the Wilhelmy American Flag project. It took him and his crew (the seven of them) 18 months of working full time to create this instrument. He quit counting when the cost passed $265k. This wasn't a rich man's hobby, it was sacrificial. He was a man on a mission.
We haven't known how to share this instrument with the world. It's in storage. Waiting. Just waiting. We pray that the time will come when *somehow* it is able to do what it was designed to do... but we don't yet know the place where it will shine, or the people who become its next caretakers. All we know is that it was created to be a voice for those who lost theirs. We wait in faith, and I continue to share my remarkable husband's work and heart with the world in every way I know how.
Life is sacred. Every life. Every voice. Yours.
Today, hug someone a little extra tightly. Life is short. Speak your truth. Say "I love you". Laugh. Sing. Shout out.
Your.
-Carmen Shenk
Having had the good fortune of completing an apprenticeship in pipe organ building at Rieger-Orgelbau under Caspar Glatter-Goetz some 30 years ago, the encouragement at Rieger to be creative and scientifically sound has stayed with me all those years.
So, after those outrageous attacks on civilian lives of 96 nations on September 11th, 2001, my mind was occupied as to how one could possibly remember the sudden loss of so many people. With those heinous acts all the interaction of their individual characters, voices, strengths, and delicate nuances stopped.
Would these people be memorialized with granite, chiseled name lists, and running water, like so many memorials of recent history?
New York City has always had a special place in my heart, since I worked there for Rieger several months in the mid-eighties, and the field in Pennsylvania, where the one aircraft was brought down by its courageous passengers, as well as the Pentagon building I also have heart-connections to.
With my private time towards the end of 2001 spent by envisioning the heavenly Jerusalem as described in the book of Revelation in all its colour, materials, and design; and with pondering for over 17 years by then as to how to incorporate glass in a contributive way into pipe organs, the obvious answer crystallized:
Remember the voices. Create strikingly beautiful glass organ pipes with never-repeating patterns and details of all pitches to complete a 48 stop pipe organ (which would have around 3,000 pipes - one for each life lost) within a circular, glass-domed concert-memorial hall of intimate size, about 24 meters diameter.
Here, the voices and individual characters of the victims could be remembered in musical interaction, visual beauty, and meaningful architectural harmony. Due to the predominance of glass, any visitor would be exposed to an ever-changing display, governed by the external weather and time of day of the visit.
With today's technology, the instrument could be played 24/7 via the internet by musicians around the world - bringing the 96 nations together, whose citizens were amongst those killed.
Organ pipes have their components named after human anatomy, like "foot, body, ear, beard, mouth," etc., so to dedicate one pipe to a single person was a natural thought.
In January of 2002, I started making the first prototypes, adjusted their voicing, and smoothed out the production process for about half a year.
By October of 2002 it became apparent, that we needed to create a set of glass pipes, that could demonstrate the beginning of design possibilities.
With the attacks having been made on U.S. soil, I decided to let the American Flag "wave" across this 14-pipe facade, with the image effortlessly alternating between the front and the back of the pipes. This set is based on a Principal 8', 150mm diameter low C, with a nice German "Strich", and it has tuning devices in glass fitted as well. It is voiced at 80mm, but we found it to create also a very warm cello sound at a wind-pressure as low as 58mm, which was used for a youtube video demonstration.
It took us 18 months to complete this set by June of 2004, and at times, I and my six employees worked full time on this project. The glass is hand cast in Washington and Oregon State, with the image of the American Flag being followed "to a T" and fused in a glass kiln we had custom made for that purpose. To give the image "life", we not only gave the left edge a gentle arch, but its size diminishes by 7% from left to right, with all stars diminishing in size as well as the stripes to maintain a pleasing optical proportion. The right edge playfully wraps around the third to last pipe on the right towards the front.
We also designed and built a Trumpet 8' and Clarion 4' division with the resonators from Low C to tenor e being of copper and glass, with the rest of the notes being made of all glass, tapered and round. The windchest feeding these innovative, "cut to length" glass trumpet pipes houses almost more innovations itself, than one can find in the pipes.
We like to have fun.
With the introduction of glass in pipe making, the choices for organ fronts don't have to be silver, gold, or wood anymore, but anything your imagination allows! From fresh colours, via chameleon-like blending with textures and colours found within the architectural setting, all the way to total translucency the possibilities of integration of the contemporary pipe organ is limitless.
Imagine no boundaries - we did :-)
-Xaver Wilhelmy
Posted by Carmen at 10:07 AM
Labels: 911 Memorial, A VOICE FOR THE SILENT, art glass, beautiful glass pipes, first in the world, glass pipe organ pipes, Never Forget, pipe organ, xaver wilhelmy
Photo credit: Xaver Wilhelmy
Questions? Ask the Pipe Organ Builder
Glass Organ Pipes
This sound sculpture is shown in Wikipedia on the page "Organ Pipe". Scroll down to the heading "glass" heading and see an image of these pipes and a phrase or two about Xaver Wilhelmy.
World Trade Center Memorial Entry
by Xaver Wilhelmy & Kirchman Studio
Memorial Competition Certificate
Certified Pipe Organ Builder Xaver Wilhelmy
Hear the American Flag Sound Sculpture.
Building Pipe Organs with Glass
Coments on the Flag Pipes
Display History
History of the Instrument
Instrument Measurements
Purchase the Sound Sculpture
Voicing the Pipes
We Remember 1
Wilhelmy and his Crew
Xaver Wilhelmy, Certified Pipe Organ Builder
The largest pipe is six inches in diameter and is ten feet and two inches tall. The base is five by ten feet. For proper display and per...
One day Xaver Wilhelmy was sipping a gin and tonic at the top of the World Trade Center. When he returned, it was "Ground Zero&quo...
Follow us on Facebook Contact me at CarmenShenk AT gmail DOT com
This 11:26 minute video features three ranks of glass pipe organ pipes, all designed and built by Xaver Wilhelmy. These three ranks of...
Quotes Governor Mark Warner: "Impressive and inspirational" John Whitehead, Park Avenue Tower: "It's pretty spect...
Copyright 2015 Carmen Shenk All Rights Reserved. Picture Window theme. Theme images by Airyelf. Powered by Blogger.


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Senior VC Associate @ Fidelity Investments in Boston, MA
Devonshire Investments is the private investment arm of Fidelity, which makes investments across asset classes, including real estate, private equity, and venture capital. The firm also makes direct investments and operates several fully owned companies. Fidelity has a fifty-year history on the venture side and has had the privilege of backing many great companies in technology and healthcare, including Atari, MCI, Nuance, Alibaba, Ultragenyx, Innovent and Denali, among others. Today Devonshire, its US focused venture capital funds (F-Prime Capital), and its international sister fund (Eight Roads Ventures) are among the largest global VC firms in the world with several billion dollars under management, 300+ portfolio companies and over 100 investment professionals across our global platform. The Disruptive Science Fund is a recently formed platform to focus on early stage VC investments in scientific breakthroughs and deep tech.
The Expertise You Have
Ph.D. required and research interests in a scientific field, preferably in physics, material science or computer science
Proven interest in emerging technologies and disruptive science with a view on future trends
Familiarity with early stage startups in operating, consulting or investing roles preferred
Ability to grasp business concepts and implications of corporate finance and accounting
Post-academic work experience is preferable (2+ years for an Associate, 5+ years for a Principal)
The Skills You Bring
Well-developed interpersonal and networking skills; must be able to build relationships both internally and externally and share strategic insights across a large organization.
Outstanding integrity, strong work ethic, and innate respect for colleagues and entrepreneurs
Creativity, vision and flexibility combined with strong analytical skills and judgment
Intellectual curiosity across fields
Strong written and verbal communication skills; must be direct, concise and analytical
Self-motivated and comfortable with autonomy, yet humble, transparent and communicative.
The Value You Deliver
You will own the technical and scientific evaluation of investment opportunities in emerging disruptive science including, but not limited to, advanced computing, energy, materials, and natural resources.
You will be part of a new investment team to develop and evaluate new opportunities and help handle existing portfolio companies.
You will report to the Managing Director of the fund but will also support the investing activities of other senior members of the team.
At Fidelity, we are focused on making our financial expertise broadly accessible and effective in helping people live the lives they want. We are a privately held company that places a high degree of value in creating and nurturing a work environment that attracts the best talent and reflects our commitment to our associates. We are proud of our diverse and inclusive workplace where we respect and value our associates for their unique perspectives and experiences. For information about working at Fidelity, visit FidelityCareers.com.


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Boat Qay Singapore
Singapore Skyline
view of Long Beach from the rocks at the northern end
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Georgetown / Penang
view over Georgetown
Pulau Lang Tengah is a small postcard island with only 3 resorts located halfway between Perhentian Island and Pulau Redang.
Melaka (a.k.a. Malacca) is the capital of the Malaysian state of Malacca.
Traditionally, the spot where Melaka stands today was the center of Malaccan history. It was the capital of the Malaccan Sultanate and the center of the Malay world in the 15th and the 16th century before it fell to the Portuguese in 1511. Centuries of colonization by the Portuguese, Dutch and the British have shaped the architecture of the town.
Flyers / Brochures
MRT (Mass Rapid Transit), Singapore
The modern and efficient Mass Rapid Transit (MRT) system is probably the fastest way to get around Singapore. It consists of 4 lines with 3 more lines in the making or planning.
Changi Airport, Singapore
Singapore's main airport, in the eastern part of the island, was voted the world's best airport in 2012 and handles international long-distance flights from regular and budget airlines.
Golden Mile Complex Bus Terminal, Singapore
Many bus operators use the Golden Mile Complex / Tower as drop-off and depature point for long-distance buses to and from Malaysia. The Golden Mile Complex itself is a shopping mall with Thai clubs, shops and food stalls.
Bus System, Singapore
The second leg of Singapore's efficient public transport system, after the MRT, are the more than 300 bus lines.
Lavender Street Bus Terminal, Singapore
Another pick-up and drop-off point for long-distance buses to and from Malaysia in a parking lot at the corner of Lavender St. and Kallang Bahru.
Queen Street Bus Terminal, Singapore
This street bus terminal connects downtown Singapore with Larkin Bus Terminal in Johor Bahru. It is located between Arab Street/Kampung Glam and Little India and also serves buses to/from Kuala Lumpur.
Woodlands Train Checkpoint, Singapore
After the closure of Tanjong Pajar Railway station, the the Woodland Train Checkpoint in the north of Singapore took over as the station for trains arriving from and leaving to Malaysia.
BackpackingMalaysia recommends
Rucksack Inn @ HongKong Street
Hostel in downtown Singapore near Boat and Clarke Quark, one of three Rucksack Inn branches in Singapore
Beary Nice! by a beary good hostel
Backpacker Hostel in Chinatown, one of three Beary branches in Singapore
more accommodation
Singapore City Gallery, Singapore
A free interactive exhibition spreading out over 3 storeys telling the story of Singapore's physical transformation in past, present and future with several impressive miniature models of the island and city center.
Singapore Zoo - Night Safari, Singapore
The Singapore Zoo, considered one of the world's bests, is one of the main attractions in Singapore, it also hosts the Jurong Bird Park, River Safari and the popular Night Safari.
Penang Tour
book tour / more information
FRIM Tour
Night City & Country Tour
SHOW ALL TOURS


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Comfortably New: Community, Archer and (Crazy) Sitcom Reinvention
January 16, 2014 · by samepageteam	· in TV.	·
By: Jordan Ferguson
The last thing the Internet needs is another piece on the "Golden Age of Television," waxing rhapsodic about True Detective, eulogizing Breaking Bad or speculating on Game of Thrones. By 2014, it's established that the hour-long drama is undergoing a renaissance, but what about the sad tale of its less respected cousin, the half-hour situational comedy?
One could argue, and I think I am, that the half-hour sitcom is most people's first televisual love: for my old ass it was weekday afternoons spent with reruns of Diff'rent Strokes and Good Times, for you it was probably Friends or Seinfeld, but our communion with sitcoms is what transforms the television into a place of comfort and solace. Sitcoms and the characters that populate them are the warm blankets we wrap ourselves in after a shitty day of school or work, and a good one can provide a respite from the stresses of our lives that few other things can. The rigid predictability of the three-act structures allows us to step, for 22 blissful minutes, into a world that's amusing, but never threatening or surprising.
As it happens, two of my favourite current sitcoms, which happen to be two of the best on the air today, simultaneously decided that predictability and comfort are overrated.
The original crazy cast of Community.
On one end is Community, a show that elicits the sort of rabid fanboyism out of me that no other show has. Because I am that sort of fan, I knew all about the backstage drama that plagued the show's third and fourth seasons: the firing of brilliant but volatile series creator and showrunner Dan Harmon, replaced by the competent but nonthreatening David Guarascio and Moses Port (previously of Happy Endings), as well as the midseason departure of Chevy Chase made for a fourth season that was… fiiiiine. I mean, a bad episode of Community is still better than any episode of Two and a Half Men as far as I'm concerned, and the cast could carry me along on charisma alone, but it's undeniable that the show was missing the sort of irritable tetchiness that Harmon brought under his tenure. Forced to finish filming with an uncertain future, the show tidied up a few loose ends, bringing disgraced lawyer Jeff Winger to graduation as he prepared to head back to the world outside a better person.
Then, in a move with no precedent, Harmon was rehired to the show that sent him packing, forced to chart a strategy for a fifth season with chess pieces he hadn't positioned. So, he reset them ("repiloting," as Abed calls it, likening it to season 9 of Scrubs). Jeff was hired as a teacher, the other characters, who have all diverged from their original paths for varying reasons, re-enroll at Greendale to get their lives refocused. The wondrous Jonathan Banks (aka Breaking Bad's Mike Ehrmantraut) fills the chair vacated by Pierce as the study group becomes the "Save Greendale Committee," charged with improving the school when one of its alumni is accused of being responsible for a bridge collapse.
It's a sizable shift to the landscape of the show: Harmon and crew have to acknowledge storylines they had no part in crafting (blithely referred to as "the gas leak year,") as well as prepare for the heartbreaking decision of show MVP Donald Glover to pursue other interests after this season's first five episodes. Knowing about Glover's departure, as well as a significant off-screen plot point revealed in last week's genius, Zodiac-riffing Ass Crack Bandit episode, has given the front half of the season a bit of a somber undertone, despite the marked improvement over last year in every possible way, from the editing to the pacing to the deliberate absurdity: episode 2 ended with Dean Pelton's inner voice singing a pained torch song about Microsoft Excel. In French. Because, of course. It feels like I have my show back, and this is really my show; a look through my Netflix history would reveal I've watched every episode of Community at least 63 times. It's my comfort food, guaranteed to bring me happiness, to take my back to my own community college days, majoring in journalism, hanging with a tight group of people who were some of the best friends I ever had (if we need to draw comparisons, I was like the horrifying offspring of Pierce and Abed).
What we'll be left with if the show moves into its prophesied sixth season (and a movie) will look nothing like the show we started with, but it's a move born of necessity. Unlike Archer creator Adam Reed, who just got bored.
The crazier cast of Archer.
Archer as a whole suffers from being almost too good; it's been so consistent over its last four seasons, what's left to say about it other than, 'it's funny, and you should be watching it.' Because it is damn funny, and you should be watching it. But after four seasons of gleefully anachronistic spy farce, Reed started wondering where the show could go. Blessed with the unlimited possibilities of animation and the best assembled voice cast working today, Reed decided to take the show's espionage concept and discard it wholesale, while answering one of the primary questions hanging over the show's premise since it debuted. Without spoiling the hows and whys, the espionage organization ISIS is no more, and the core staff is left with nothing but each other and millions and millions of dollars worth of cocaine. So, why not form a cartel: as now-former head of ISIS Malory puts it, "How hard could it be? If Mexicans can do it…?"
An extended season preview that ran during this week's premiere offered assurance that the true appeal of the show is the characters; as long as Sterling keeps his douchey hedonism, Lana her prideful arrogance, Cheryl her glue huffing and Pam her… everything, it doesn't matter what they're doing. As the premiere episode rushed to its conclusion to set up the new premise it felt like the staff was as psyched to get going as their title character, whispering "Archer…Vice!" at the episode's end with giddy excitement.
These are ballsy manoeuvers for both shows. For Community, never a ratings titan as it is and close enough to the coveted syndication-ready hundred-episode mark, if such sweeping changes to the show result in a significant dip in viewership, it's very possible the suits at Sony cash their chips while there's still cash to be grabbed. At the other end, Archer is one of FX's most successful shows, and it's to the network's credit that they've given Reed and Co. so much slack with one of their lineup's crown jewels.
Sitcoms might be the security blanket we cling to for easy comfort, but we do the artists behind them no favours if we cling to it so tightly we choke out the creativity that made them great to begin with. What Community and Archer have done in their fifth seasons is remind us that change is often unexpected, but always inevitable, and usually for the best.
Tags: Abed, Adam Reed, Archer, Ass Crack Bandit, Chevy Chase, Community, Dan Harmon, Dean Pelton, Donald Glover, FX, ISIS, Jeff Winger, Joel McHale, NBC, sitcom, Sterling
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One response to "Comfortably New: Community, Archer and (Crazy) Sitcom Reinvention"
Emily Ecker January 16, 2014 at 12:44 pm · · Reply →
Great article! Looking forward to the next season of both of these shows. Change is good, I think it's why Doctor Who is so exciting to me.


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Infill Neighborhood Design
Smart Growth Awards Category: Wesmont Station, Wood-Ridge Borough
Winner: DMR Architects, Duany, Plater-Zyberk & Company, Somerset Development, and Wood-Ridge Borough
Only eleven miles from midtown Manhattan lays a 154-acre brownfield site that takes up nearly a third of the land area of densely-populated Wood-Ridge Borough, in Bergen County.
Largely abandoned since the early 1980s, the site includes a two-million square foot World War II airplane factory where the Curtiss-Wright Corporation manufactured engines for B-29 bombers. At its peak during World War II, the complex employed more than 15,000 people.
Eighty of those unused acres are being used to create the Wesmont Station development project that is transforming the last remaining developable brownfield site in Bergen County into a model of transit-friendly development. The site is being cleaned thanks to a $1 million loan from the State to clean up the site's traces of petroleum and chemical products that were once stored there.
The development, which had its ground breaking ceremony this past February, will include 737 residential units, 130,000 square feet of retail, a wide variety of housing, a public square, community center, a new middle school, walking and biking paths, and office and retail facilities all within a five-minute walk of a new planned train station that will connect with the Bergen Line commuter rail to Manhattan. The project is being built where there are already-existing water and sewer lines, several public schools, numerous bus routes, and Route 17. The housing at Wesmont Station will consist of 217 single-family homes, 135 rental apartments, 131 condos, 77 condo apartment units for people age 55 and older, 166 town houses, and 11 live-work spaces for artists and small entrepreneurs.
The train station and plaza will be the centerpiece of the development. Every home and building will be within walking distance of it. Pedestrian bridges, light fixtures, planters, benches, bike racks and extra-wide sidewalks will help to define Wesmont Station as a pedestrian-oriented community. Children who attend the planned middle school will be able to "commute" without ever entering a roadway. Streets will be narrower than usual to create a "traffic-calming" effect, he said. Parking lots for commuters will be kept to less than two acres in size.
Conceived by the Mayor and Council of the Borough of Wood-Ridge and its local stakeholders, Somerset Development and renowned town planners Duany, Plater-Zyberk & Company and DMR Consulting Group, the project partners reached out to the entire community for design input. Hundreds of local residents participated in the design charrette sessions, which led to the creation of guidelines about the design of signs, the mass of buildings, the look of exterior light fixtures, roof pitches, windows and doors, siding materials and colors, porches, decks, and ornamental trim.
The site's rich history will not be lost. The two-million-square-foot former factory building that dominates the site will remain as the new neighborhood rises on the hill above it. Heavy manufacturing ceased there more than 20 years ago, but Somerset Development has managed to fully lease the space for warehouse and office use. Free-standing tall, narrow concrete towers where B-29 engines were hung up and run continuously for 48 hours to test them will be incorporated into the school buildings. Several old bomber engines will be put on display in an aircraft museum at the site. The public square will pay homage to the site's industrial past with a prominently displayed bronze sculpture of "Rosie the Riveter," the emblematic symbol of women who did factory work during World War II, to commemorate the 6,000 Rosies who worked at the Curtiss-Wright plant.


There are two working smokehouses in Fishtown. The small smokehouse is used for chubs and jerky. The newer, large smokehouse is used to smoke whitefish, salmon and trout.
We will also smoke your salmon caught on charter boat excursions, and in the off season, we keep the smokers busy with our many orders of Thanksgiving turkey.


How long should a person regard a Rauschenberg painting? Some people walk right by, some stare thoughtfully—and the problem is not trivial.
The artist who once said he wanted to make the biggest drawing in the world also crafted one of the twentieth century's tiniest art works.


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Santiago Charamoni est un footballeur uruguayen né le . Il évolue au poste d'attaquant au Defensor SC.

Carrière

Palmarès

En équipe nationale
  Équipe d'Uruguay des moins de 17 ans
 Finaliste de la Coupe du monde des moins de 17 ans en 2011

Liens externes

Footballeur uruguayen
Joueur du Defensor Sporting Club
Naissance en janvier 1994
Naissance à Tacuarembó

redpajama_set_name: RedPajamaWikipedia


This rustic bathroom tissue holder features a western star design, which makes it the perfect addition to any western themed bathroom. Each tissue holder is handmade and ships directly from the manufacturer here in Utah.
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January 12, 2021 / Travel
2020 Holiday Travel - Not Quite at a Standstill, but Lagging Behind Previous Years
From Yodlee
Even amidst an unprecedented pandemic, Americans still traveled for the holidays, just at lower numbers than usual. That's according to Envestnet | Yodlee's Income and Spending trends, as well as recent news reports. Airports saw depressed numbers for holiday season. According to the Transportation Security Administration (TSA), there were over 600,000 people screened at airport security checkpoints on Christmas Day, or roughly 23% of the number vs a year ago.
December 22, 2020 / Business
'Tis the Season – Holiday Shopping During COVID-19
Amidst the most unique holiday season in recent memory, Envestnet | Yodlee's COVID-19 Income and Spending Trends sought out to observe how holiday shopping has differed this year compared to previous years. Spending on clothing has been steadily improving throughout the year, although even as the holiday shopping season is in full swing, it is still trending lower than 2019 due to a variety of reasons, ranging from shorter store hours to a slow economic recovery.
December 11, 2020 / Travel
On The Road Again With RVs
The market for RVs experienced a surge in demand this past summer as months quarantined at home and concerns about the potential hazards of travel led would-be vacationers to rethink their travel plans and incorporate RVs.
December 4, 2020 / Economy
Return to Business As Usual For Large Format Retail Stores, Food Delivery Remains Elevated
During the early months of the COVID-19 pandemic, Envestnet | Yodlee's Income and Spending trends noted an increase in consumer buying in large format retail which led to certain stores being overrun with customers. Spending at these retailers spiked as customers feared store closures and supply shortages.
November 20, 2020 / Economy
Student Loan Repayment in the Age of COVID-19
Many Americans who stopped paying student loan payments in April are still not paying. That can be seen in the Envestnet | Yodlee Income and Spending trends data through the month of October. The number of users making student loan payments beginning in April dropped by 50 percent.
November 16, 2020 / Business
Finding Crafty Ways to Spend Time at Home
During the lockdown in many areas of the country, households were suddenly faced with finding activities to do with the family or occupy time while activities out of the home came to a halt. While some new skills may be short lived, some new habits emerged: households have increased their cooking activity and cultivated new bread making skills, while others embarked on more ambitious home improvements and upgrades that had previously been ignored.
November 2, 2020 / Business
Primed for the Holidays
For the fifth straight year, Amazon Prime Day created excitement among consumers with discounted offerings for customers opening their wallets at the cloud cash register. While Amazon has not yet self-reported a final tally, according to Envestnet | Yodlee data, the event was a success, leading to an average spend per customer (or "ticket size") of $76 during the event versus $74 a year ago.
October 15, 2020 / Business
Consumer Spending on Console Gaming Rises
Console gamers have not been sitting on the sidelines, patiently awaiting next generation Xbox and PlayStation systems to arrive. Envestnet | Yodlee COVID-19 Spending trends have shown that console spending has continued to maintain high levels throughout the pandemic.
October 8, 2020 / Economy
Consumers Continue to Move Toward Food and Grocery Delivery
At the onset of the pandemic, consumer spending on both grocery and food delivery services experienced large spikes. Several online grocery purchase platforms reported a massive increase of new customers making their first-ever purchase during the week of March 31. States like Florida, Georgia, North Carolina, Illinois and Pennsylvania saw high growth in new customers opting for grocery delivery.
It's Cut and Dry: Spending on Personal Grooming Down from Last Year
Months into the global pandemic, salons and barber shops are slowly opening back up at different stages, but the industry as a whole remains hit hard. An analysis of spending at personal grooming retail outlets (haircuts, barber shops, spas, salons etc.) reveals that this industry has been severely affected by COVID-19.
September 17, 2020 / Travel
Winter Vacation was Cut Short, But Summer Tourism Showed Momentum
Overall, Envestnet | Yodlee COVID-19 Income and Spending trends data shows that consumer spending in the summer resort category has recovered since bottoming out in April 2020. For this analysis, we looked at spending in resort towns during summer to see if the pandemic affected areas that would usually be bustling during vacation months. In our analysis, we took a closer look at U.S. towns like Truckee, California; Aspen, Colorado; Jackson Hole, Wyoming; and others.
September 10, 2020 / Economy, Real Estate
A Surge in New Mortgages, Even as Mortgage Payments Slow Down
The COVID-19 pandemic put tremendous pressure on the new mortgage market in the United States through May 2020. While COVID-19 has made the in-person home inspection process more challenging, it has not slowed the pace of new mortgage applications and re-financing through this time period.
September 2, 2020 / Business
Come On In and Stay Awhile – the Vacation Rental Industry During COVID-19
In March 2020, the travel industry came to a near standstill. Trains, planes, and automobiles all saw a steep decline in consumer engagement as the vast majority of personal and corporate travel plans were scuttled. The lodging industry was also in a quagmire, with consumer spending on hotels and vacation rentals experiencing steep declines during the first weeks and months of the COVID-19 pandemic.
August 24, 2020 / Culture
Putting in the Miles – Vacationers Lean into RV Travel
The classic experience of road tripping across the country has gained momentum during the pandemic. Concerns about the potential hazards of other forms of travel have led vacationers to hit the road in a Recreational Vehicle (or RV). There are a myriad of stories of how this demand has transpired. Some travelers are looking for alternatives to hotels and view an RV as a more controlled environment.
Online Brokerages Experience Boom in New Accounts During Pandemic
When the going gets tough, the tough open a brokerage account. Well, that's not exactly the saying, but that seems to be what is occurring across the country as the pandemic has set in. According to Envestnet | Yodlee spending trends data, new online brokerage accounts were opened at very high rates in March 2020, compared to the previous month. Interestingly this phenomenon has occurred across all income groups, as shown from our Income and Spending Trends Data.
August 13, 2020 / Economy
Spending Trends at Department Stores Demonstrate Impact on American Malls
As the United States has bounced between planned openings and closures, businesses which rely on consumer interaction have had to adapt to keep up. To truly observe the experience, one need not look further than traditional malls across the country. Many stores have adhered to regulations that require a reduction in hours, reduced occupancy, and other restrictions to help prevent the spread of the COVID-19 virus.
July 1, 2020 / Economy
America Gradually Gets Moving Again – Part II
In Part 2 of this blog, we'll take a look at consumer spending on commuting since the shelter-in-place orders were initiated across the country and resulted in many Americans working from home. Public transit and options such as taxis and ride sharing continue to look sluggish in terms of spending, although car rentals have picked up at a faster pace.
America Gradually Gets Moving Again – Part I
As states begin to loosen shelter-in-place restrictions, various factors have led to an improved landscape for the travel and transportation industry. Although it must be said – progress has been slow. Part One of this blog analyzes spending on travel and transportation compared to 2019. Part Two will focus on insights related to commuting. In an April blog post, we analyzed data which showed dramatic decreases in travel-related consumer spending during the second half of March and into April.
Georgia credit card data paints a clearer picture of what the reopen looks like
From Brad Schneider
As one of the first states to reopen, many eyes are on Georgia to understand the impact. After nearly 2 months into the reopen, many state officials are quick to point out that there hasn't been a rebound in new COVID cases. To give context for this lack of infection rebound we take a look at credit card receipt data from Yodlee to understand how open the state actually is.
More articles from DFD News
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January 15, 2021 / Business
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Learn about the essentials of investing in shares.
This tutorial gives you a quick understanding of how the sharemarket works and what you will need to start trading. If you wish to view more short videos check out our "Get the basics" page.
If you prefer longer courses – the courses below are suitable for first-time investors, or as a refresher for active investors. We welcome your feedback.
This course will help you understand how the sharemarket works and what you will need to start trading.
Learning how to invest is an important skill. This module looks at the reasons people invest in shares, the main investment areas and how to start investing. Learn the key features of an investment plan including how to analyse the risk you are comfortable with.
Evaluating investment opportunities is easier if you use a standard set of criteria to measure and compare them. This module looks at the main methods of investment evaluation.
This module looks in detail at the process of buying and selling shares. It explores choosing a stockbroker, buying and selling shares, settlement of your trade, CHESS, and off-market transfer of shares.
It's time to practise what you have learnt. Use this course to practice the steps in researching shares and placing orders to buy shares with your stockbroker.
As an investor in the sharemarket you will need to follow some simple record keeping practices. This module steps you through this process. The module will also look at reading the financial press and describes the different types of shares that can be traded.
Keeping track of your share portfolio is easier if you understand the language of the sharemarket. This module describes what the All Ordinaries is and how to follow the market using the sharemarket indices.
There are a number of different approaches to investing in the sharemarket. This module introduces the importance of understanding the sharemarket's context in the broader economy. The module also details the pros and cons of investing directly or via a managed fund.
Annual reports, balance sheet analysis, dividend yield, PE ratio - learning to assess a company's financials is an important skill. This module introduces the concepts of fundamental analysis.
Every picture tells a story - sharemarket price charts can be a valuable tool for assisting your investment decisions. Technical analysis is the study of price charts. This module will introduce learners to different chart types, moving averages, support and resistance lines.


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Maison Chic imports dining room furniture in UAE-Dubai-RAK. It comprises small and very large dining table, fixed or with extension. The height varies from 75cm to 77cm; small dining table for kitchen sized room are also available (80x80cm up to 120x120cm); bigger size of dining table varies from 120cm to 300cm. Every dining table design is done in our own design office, in both contemporary and traditional look. Dining chair are matching per collection. In general we propose 2 types of dining chair per collection......Maison Chic stocks dining furniture of all collections.


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Tobias Welz (born 11 July 1977) is a German football referee who is based in Wiesbaden. He referees for SpVgg Nassau Wiesbaden of the Hessian Football Association. He was a FIFA referee between 2013 and 2019.

Refereeing career
He has officiated in the German Football Association (DFB) since 1999. His made his Bundesliga debut at 28 August 2010 in a game between 1. FC Nürnberg and SC Freiburg.

Personal life
Welz is a police officer with the Hesse State Police. He lives in Wiesbaden, where in his youth he played for SC Klarenthal 1968 and FV Biebrich 02.

See also
List of football referees

References

External links
 Profile at DFB.de
 Profile at WorldFootball.net

1977 births
Living people
German football referees
UEFA Europa League referees
Sportspeople from Wiesbaden


New York Mets third base coach Tim Teufel is the featured speaker for the Fairfield County Sports Commission's 6th annual fundraising breakfast Tuesday, April 23 at 7:30 a.m. at the Continental Manor in Norwalk.
Sirius Satellite Radio sports talk show host Chris (Mad Dog) Russo, a New Canaan resident, will be the emcee.
Teufel, who is a Greenwich native and member of the Fairfield County Sports Hall of Fame, was a key player for the Mets' 1986 World Championship team.
For more information and to purchase tickets priced at $60, contact Tom Chiappetta at 203-984-4806 or via email at tomchip21@aol.com.


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Opens Paris Flagship
On the occasion of the 40th anniversary of its first-ever boutique worldwide and the first one opened in Paris in 1980, Ermenegildo Zegna expands its presence in France with a new Flagship Store located on 39 Avenue George V in the 8th arrondissement.
With a completely new luxury offering, the boutique showcases 500 square meters of retail space on two levels and is enriched with vals stone flooring with natural tones and wood details, bleached mahogany lending to its hushed and comforting ambience.
The journey begins on the ground floor in a wide-open space featuring Ermenegildo Zegna collection with Modern Tailoring and Luxury Leisurewear, leather accessories and Ermenegildo Zegna XXX collection which includes a selection of garments from the #USETHEEXISTING project, a project designed to use pre and post-existing materials that are rewoven for a new life in order to reduce the waste.
Walking up to the first floor, the brand experience continues with ZZegna collection, Sartoria and a dedicated Made to Measure room where customers can personalize through an exclusive experience in a very intimate space.
Additionally, the Flagship Store showcases Zegna's first Bespoke Atelier outside its original location in Milan, conceived as a traditional tailoring atelier.
Inspired by a traditional tailor's shop, the atelier features a separate entrance for privacy on 1 Rue Christophe Colomb. This intimate space provides an opportunity to enjoy the world's most exclusive bespoke experience from Zegna Master Tailor.
The Paris boutique is complimented by a careful selection of design elements including an unrivalled contemporary décor pieces and furnishings such as Digamma lounge chairs by Ignazio Gardella (1957), Cassina armchairs, a set of Campanino 900 chairs designed by Fratelli Levaggi and an Altai carpet (2020) whose design is inspired to Gio Ponti.
To enrich the space, the boutique also features a couple of Gio Ponti armchairs (1964) and a cocktail table from Fernand Dresse (1968).
See the Fall 2021 Collection as it comes down the runway in Milan
Watch Ermenegildo Zegna Live
Fall 2021 Collection as it happens from Milan
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Joan Hickson
Joan Hickson, the actress who has died aged 92, provided what many considered the most convincing incarnation of Agatha Christie's spinster detective Miss Marple, in the BBC television series.
Photo: ITV/REX
12:04PM BST 19 Oct 1998
With her piercingly intelligent, pale blue eyes, crocodile handbag, sensible shoes and lace-and-lavender demeanour, she won wide affection and - after nearly 60 years in acting - national fame as the oldest female detective in fiction. The series of stories ran from 1984 to 1992 and was often repeated; it was sold to 30 countries including China.
Predecessors in the role, such as Margaret Rutherford, had been comediennes who, however straight their acting, seemed to be waiting to be laughed at. Joan Hickson - 78 in real life when the series began - took the little old lady seriously, and was the more affecting.
She realised that Miss Marple's great strength was staying on the periphery, hearing and seeing all, but escaping notice until she has solved the crime.
When offered the role of Miss Marple, Joan Hickson hesitated - not only because she risked the resentment of fans faithful to her predecessors, but also because she doubted that she had the right build. Despite her age she supposed herself insufficiently frail in manner.
When she had decided, though, to "have a bash", and to act the part "my way", she was heartened by her daughter's chance discovery of a forgotten letter from Agatha Christie 40 years' earlier. It said: "I hope you will play Miss Marple one day." The letter had been sent after the detective writer had seen Joan Hickson acting the part of a spinster in another Agatha Christie whodunnit, Appointment with Death (Piccadilly, 1945).
Geraldine McEwan, actress
Before the success of the television series, Joan Hickson had been one of the most reliable and contented of small-part players on stage and screen, with a gallery of prying landladies, doting mothers, sniffy housekeepers, eccentric aunts, refined hotel receptionists, and awesome mothers-in-law.
Few actresses knew better how to keep a large residue of ash on the end of cigarette in the corner of the mouth while berating (often in a dressing gown) a sullen lodger.
At the age of 87 Joan Hickson was still worried about being typecast, for she wanted to go on working. "Once you stop," she said, "your brain goes, and when that happens it's all over."
Joan Hickson was born at Kingsthorpe, Northampton, on August 5 1906. At the age of five she saw Cinderella and decided that she would be an actress. During the First World War she would sing as her mother played the piano to entertain wounded soldiers at home.
She was then sent away to school at Oldfield, Swanage, Dorset. "It was one of the first co-educational schools," she recalled. "I remember my Aunt Lizzie in tweeds and a flying helmet running up and down the touchline shouting for our boys."
Her family frowned at Joan's ambition to be an actress, but at 19 she was allowed to go to the Royal Academy of Dramatic Art. After her first London appearance in 1928 as the Maidservant in The Tragic Muse (Arts), she spent two years in a succession of light West End comedies by Ian Hay and P G Wodehouse. She then went to act in rep at the Oxford Playhouse for three seasons.
Within a year of her return to the West End in 1933, she found work in films, including the screen version of the early Agatha Christie success, Love From A Stranger (1937). She began to appear so regularly in British films that she lost count. Years later, watching an old film on television, she would suddenly see an actress walking into a scene and realise that it was herself.
In the West End, where she could appear in the film studios by day and the theatre at night, she gained a reputation for endowing the most marginal or stereotyped character with humanity and humour - or a comical lack of humour. "I wasn't beautiful, so there were plenty of character roles," she said. "I never did any Shakespeare, I'm far too superficial for that. I just act instinctively."
But she made an impression. For example, out of a large cast in a play about sensational crime reporting, Murder Gang (Embassy, 1935), it was her performance that prompted the leading critic of the day James Agate to note the brilliance of her "assumptions of gentility" as a clairvoyant. She "set the house deliriously rocking".
An alarming incident followed her portrayal of "the maddening sister" of Dirk Bogarde in the somewhat nebulous anti-war play Foxhole in the Parlour (New Lindsey, 1949). In the play she is threatened by her brother with a knife. On the way home from the theatre one night she was threatened by a cyclist holding an outsize clasp knife and demanding money. She fled. He followed. Near her house, she yelled. He rode away.
In more recent years her theatre work included three plays by Peter Nichols: A Day In The Death of Joe Egg (1967, film 1971), as the grotesque mother-in-law to Albert Finney; Forget-Me-Not-Lane (1971), and The Freeway, with the National Theatre (1974).
Also with the National she acted in Alan Ayckbourn's Bedroom Farce (1977), staying with the production when it transferred to Broadway.
In 1961 she appeared with Margaret Rutherford, a friend of hers, in the Miss Marple film, Murder She Said. Of the 100 or so other films she made from the mid-1930s, some of the best-remembered include The Million Pound Note (1953), Doctor In The House (1954), Heavens Above! (1963), Confessions of a Window Cleaner (1974), The Wicked Lady (1983) and Clockwise (1985). She appeared in many Carry On films, starting with Carry on Admiral (1957).
Among many television productions in which she acted, apart from the Miss Marple series, were Sinister Street, A Policeman's Lot, How To Get Rid of Your Wife, Our Man From St Mark's, A Ferry Ride Away, and A Murder Is Announced.
She married in 1932, Eric Butler, a neurologist. "He had no interest in the theatre," she remembered. "I don't think he ever came to see my work. After the show I would get on the train, go home and become Mrs Butler again. It was rather nice having two lives." They had a son and a daughter. Eric Butler died in 1961. "I never really got over it, but my work was an enormous help. You simply have to go on."
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Army officer who knocked out two Tiger tanks in Germany
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Philanthropist and heir to the Littlewoods empire who became a generous patron of the arts
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Stand-up comedian who broke new ground with his television series The Larry Sanders Show


Alela Diane's fifth record Cusp is her best to date. A touching reflection on motherhood, it tackles the complex topics of family and relationships. It is filled with moments of pure beauty, among them the rumination on the passage of time 'Moves Us Blind'.
Today we're delighted to bring you the premiere of the video for this song. A work of art in its own right, this stunning film, directed by Carissa Gallo, captures the dreamy mood of the song perfectly.
Alela will play a sold out gig at London's Union Chapel tonight, and 'Moves Us Blind' is released as a single on May 4.


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Oxford City
As a local authority our responsibilities relating to air quality management come from legislation laid out in the UK Air Quality Strategy.
There are currently three air quality management area's (AQMA's) designated within South Oxfordshire. These are areas where the levels of pollutants in the air have reached those identified by the government as harmful to health and are in breach of what is called the 'national air quality objectives'.
Our Turn it Off Campaign
We've launched a new campaign, supported by Public Health England, to help improve local air quality across South Oxfordshire by asking drivers to turn off their engines when they are not driving.
Keeping the engine running – known as idling - while parked at the side of the road, sitting in traffic, or waiting to collect someone, contributes to an increase in levels of air pollutants.
The aim of our campaign is to encourage people to think about idling and if they are stopped for more than a minute or parked then they should turn their engines off.
For more information on this project, please visit the campaign website: www.southandvale.gov.uk/turnitoff.
Our AQMA's
Air pollution levels have been monitored in Henley since 1998 and due to levels of NO2 exceeding the national air quality objectives, an AQMA was declared in 2002.
The air pollution problem in Henley is not unlike many others across the country in that it comprises a busy road network and relatively narrow streets which serve to prevent the dispersion of pollutants therefore trapping the pollution at street level.
Henley's AQMA - Map
Air pollution here has also been monitored since 1998. An AQMA was declared in 2005 again as a result of NO2 levels exceeding the national objectives.
The air pollution problem in Wallingford is attributable to the traffic congestion along narrow streets lined with high sided buildings which leads to the creation of a 'street canyon'. Again the street canyon effect means that the pollutants are unable to disperse and are trapped at ground level.
Wallinford's AQMA - Map
Air pollution monitoring in Watlington commenced in 2003 with an AQMA designated in 2009 due to NO2 exceedences.
The air pollution problem in Watlington is again based on congestion levels in an area of narrow streets and relatively high sided buildings creating a 'street canyon' effect with pollutants unable to effectively disperse.
Watlington's AQMA - Map
In order to improve air quality both within these areas and in the district as a whole, we have produced an Air Quality Action Plan. This provides the mechanism by which local authorities in collaboration with national agencies and others, state their intentions for bringing about air quality improvements.
Developer Guidance
South Oxfordshire has also produced a Developer Guidance document in fulfilment of one of the action plan measures. This guidance aids developers and planners alike in assessing the air quality impacts of a development and any associated mitigation that may be required to help offset the effects of a given development. Ultimately it aims to achieve sustainable development in the district that achieves the best balance of social, economic and environmental considerations.
Low Emission Strategy
As a result of a further successful DEFRA bid in 2014 the creation of a LES and associated modelling was completed in 2015, showing that if all the measures are implemented then the improvements to air quality would mean the AQMA's in Wallingford and Watlington could be revoked and the Nitrogen Dioxide levels in these towns would be within the national objective levels.
The Low Emission Strategy was adopted in November 2017 and some of its main actions are:
Promoting low emission behaviours
Supporting the uptake of electric and low emission vehicles
Implementing a low emission freight and bus strategy.
Using planning and procurement to drive the long-term vision of reducing emissions from transport
Each of these themes are not separate but overlap and will work together as a coherent whole to provide an effective LES. For example, the electric vehicle strategy will use planning and procurement powers to promote the uptake of vehicles, and the low emission behaviour theme includes eco-driving and anti-idling campaigns that will also be reflected in the bus and freight emission strategies.
2009 Updating and Screening Assessment Report
2016 Annual Status Report (ASR)
Please find here (2019 Annual Status Report) an updated version of our ASR, approved by Defra in September 2019. The original document has been updated following further best practice guidance provided by Defra in October 2019.
Assessment of the impact of the proposed edge road on the Watlington AQMA 2019
Defra's Appraisal of SODCs 2019 ASR


The St Joseph Home Sales Kit has helped thousands of people to sell their home. A small 4" plastic statue of Saint Joseph to bury in the front yard until the house is sold. The statue is traditionally dug up after the sale and given a place of special honor in the new home.
As the patron saint of families, St. Joseph's legend includes his special interest in helping families sell their homes. It is said that with European nuns used to bury St. Joseph medals on properties they wanted to purchase. The tradition grew and now includes help for those selling by burying a statue of St. Joseph in the front yard. Instructions included. Be sure to read them -- a mistake in facing him in the wrong direction and your neighbor's house could be the one that sells.


1900 Park Fare is one of my family's favorite Character Dining Experiences in all of Walt Disney World Resort. It was here that my son was betrothed to Drizella, Cinderella's Step-Sister during our last Advanced Dining Reservations.
During most of the year, 1900 Park Fare is only open for the Supercalifragilistic Breakfast (served from 8:00am to 11:50am) and Cinderella's Happily Ever After Dinner with the Special Event Wonderland Tea Party scheduled in between.
During peak times at Walt Disney World Resort, 1900 Park Fare increases their hours from 8:00am until 2:30pm, and refer to the meal as brunch to avoid confusing Guests by listing a breakfast at 2:00pm.
1900 Park Fare is a Character Dining Location and as such, you can be sure to share your Dining Experience with a variety of colorful Disney Characters. Think of the brunch as a longer breakfast to accommodate more Advanced Dining Reservations for Guests.
Don't forget your camera and autograph book!


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Home/Bankruptcy Law/Bankruptcy Case Law & Notes Index/Practice of Law
Practice of LawDiane Drain2021-08-24T18:50:46-07:00
WHAT IS THE PRACTICE OF LAW?
Prof. Nancy Rapoport told ABI that "the definition works pretty well, because any time someone takes legal concepts and uses them to analyze a client's issues, it is the practice of law, in my book." She went on to say, "it cuts through all of the minor variations and makes the basic rule clear, though the application of that rule in all situations is still tricky."
Prof. Rapoport said there should not be "one rule for Big Law and another for consumer firms."
MORTGAGE-ASSISTANCE RELIEF SERVICES NOT THE PRACTICE OF LAW
Consumer Financial Protection Bureau v Consumer First Legal Group, LLC, 19-3396 US Ct Appeals, 7th Cir. 7/23/21) The financial crisis of 2007–2008 sent shock waves throughout the national economy. Perhaps nowhere were the effects felt harder than in the residential mortgage sector. According to one source, more than seven million homes entered foreclosure between 2007 and 2010. See S. Rep. No. 111-176, at 39 (2010). This appeal concerns the rules that apply to mortgage-assistance relief services. The question is whether the Consumer Financial Protection Bureau ("the Bureau") correctly declined to treat two high-volume, national law practices under the rules governing lawyers, and thus whether the stiff penalties that were imposed on the firms (and their principals) can stand. We conclude that the Bureau's decision that the firms and lawyers were not engaged in the practice of law was supported by the record, but that further proceedings are necessary on the issue of remedies.


Interest bearing account with no minimum balance, no monthly service charge and unlimited check writing for customers with combined loan and deposit balances $5,000 or over.
Interest bearing account, low balance requirements, unlimited check writing.
Non-interest bearing account for customers who maintain a moderate balance and write fewer than 30 checks per statement period.
Non-interest bearing account with a small fee, no minimum balance and unlimited check writing.
Recommended for customers age 50 and older, interest bearing, unlimited check writing, no minimum balance requirements.
An account for customers who maintain a large balance, desire a higher rate of interest and write an average number of checks.
Recommended for customers who write few checks and maintain a low account balance.
An interest bearing account with no fees for managing healthcare expenses associated with qualifying high deductible health plans.


I've been auditing for a CB for 18 years. The ISO 9001:2015 version of the standard in my. opion is a step backwards. It. borders on being, again in my opinion, useless and not auditable.
We have an audit (surveillance) coming up and don't have an agenda from auditor yet. Obviously this impacts our ability to prepare. Is there any requirement regarding timing of when auditor owes us an agenda?
Audit purpose - case study - What is the role of SQE in such case?
If the tech does not understand something, or cannot locate a document on the network; can the tech ask one of the bystanders for help? I know the bystanders cannot volunteer anything.
Hi, Anyone knows if consultant attending audit is prohibited by any accreditation or certification body rules? I know that for IATF16949 it states clearly this prohibition. How about ISO14001 audit?
Why have IATF rules required the CBs to audit remote supporting functions at first?
ERP Audit Trail audit by FDA? Regular audit trail report template?
Who should have access to Audit trail?
Dears, Could you help me sharing your expert perspective about this topic? Who you think should have access to view audit trail data ? do you think it´s good to share with end-user or only sys admin ?
Does 13485 auditor have a right to inspect non-CE products?


Video watch online Ishq Mein Marjawan 11th February 2019 Written Episode Update. Voot Ishq Mein Marjawan 11 February 2019 Full Episode of Colors Tv hindi drama serial Ishq Mein Marjawan full show episodes on Apne Tv.
Raj says you are right. I and deep are brother. She says why didn't he tell me? He says because we are like coin. One of us has to be seen and other hidden. He is the devil. He does things and I get paid. Deep killed Guru ma's husband and I was jailed all these years. Arohi says why should I trust you?
Raj says deep is still playing with you. You will soon know his reality. Someone is coming. Don't be scared. Do as I say. Tara and Wasu come. No one is in the room. Aroho sees the picture. She says this can't be true. Arohi can't know about deep and Raj. We have only 24 hours to stop her.
Someone comes to deep and gives him a parcel. Arohi is following him. She says what is deep doing? What is that packet. Deep leaves. Raj comes and says saw his real face? I told you he is upto something. Arohi says what was in the packet? He puts gun on her head and says no question. She says I am not scared. Raj says give me the locket. Arohi says I wont. Arohi jumps off the cliff. She hangs. Arohi is falling. She says save me. raj says firs tell me where the locket is. Arohi says pull me up. He says you will die if you don't tell me. He pulls her up and says now tell me. ARohi shoves him. he says how dare you.. You fooled me. Arohi says you thought you can play smart with me. He says only I can tell you the entire reality. She ties his hand and says I wont pull you up until you tell me. He says I can tell you everything. Pull me up please.
Arohi comes home. She says deep what are you doing? he says checking the AC. Arohi says you have been hiding things from me. He says you will know everything. I want you to trust me. Arohi says why you never share things with me. HE says the only truth is that I really love you. Deep gets a call and says I am coming. He leaves. Arohi goes after him.
Arohi looks for the diary. It isn't in its place.
Precap: Ishq Mein Marjawan 12th February 2019 Written Episode Update. Arohi comes to a place. someone is dead there. Raj sends the police to show Arohi killed the girl.


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Home > Current Affairs >
Bullying in Irish Education
Authors: Mona O'Moore and Paul Stevens
Affiliation: School of Education, Trinity College Dublin
Publication Year: Softback August 2014
School bullying is receiving increasing attention as a phenomenon which is present in all schools. Despite previous books on the topic, bullying continues to thrive, becoming more sophisticated and poses serious problems for school populations in both primary and post-primary sectors. This book is the first definitive review of bullying in Irish education written by researchers and practitioners working in the field. The appeal of this book is twofold. Firstly, it explores bullying from different perspectives within education namely, pupils, teachers and principals. Secondly, it is research based, but the concerns, shortcomings and challenges which bullying presents in the educational environment are explored and realistic strategies and support strategies are proposed. Given the keen interest in bullying internationally this book provides a comparative text on the latest research and practice of bullying in Irish education.
Mona O'Moore is Fellow Emeritus of Trinity College Dublin and Adjunct Professor at Dublin City University. She is also the Founding Director of the Anti-Bullying Centre at Trinity College and Dublin City University. Paul Stevens has worked in a variety of roles in the education sector and his most recent research focuses on workplace bullying in over 700 primary schools.
CONTENTS PART 1. PEER BULLYING IN IRISH EDUCATION The Prevalence of Bullying and Cyber-Bullying in Irish Schools by Mona O'Moore Bullying in Schools in Northern Ireland by Conor McGuckin Homophobic Bullying in Schools in Ireland by Stephen James Minton The Challenges of Non-Reporting of Bullying by Elaine O'Dowd Third-Level Students' Experiences of Bullying in Ireland by Lian McGuire PART 2. PEER BULLYING IN OUT-OF-SCHOOL SETTINGS Bullying Behaviours Among Out-of-School Children by Claire Healy Bullying of Adults with Intellectual Disabilities in Educational Settings by Linda McGrath, Jackie Black and Claire Sutton PART 3. ADULT BULLYING IN EDUCATION Workplace Bullying and Primary School Teachers: The Role of Managerial Discourses by Declan Fahie The Bullying of Primary School Principals in Ireland by Paul Stevens Teacher-on-Teacher Workplace Bullying in the Irish Post-Primary Sector by Genevieve Murray Teacher Aggression: An Attempt at Dialogue by Monica Monahan PART 4. PROMISING STRATEGIES FOR PREVENTION AND INTERVENTION ABC Whole-School Community Approach to Bullying Prevention by Mona O'Moore Action Against Cyber-Bullying (AAC): A Programme for Understanding and Effectively Addressing School-Related Cyber-Bullying by Keith Sullivan Bullying: Tools for Teachers by Mary Kent and Se�n Fallon A Promising Strategy to Prevent Bullying Behaviour by Orla Murray Mindfulness and Pre-School Children by Madeleine Young Promoting Positive Behaviour with Edward de Bono's 'Six Thinking Hats Method' by Mary Kent PART 5. BULLYING AND THE LAW School Bullying and Some Law by Murray Smith
Ebook is available on Amazon Kindle
Ebook is available on Amazon (USA) Kindle
Ebook is available on Apple ibooks
Rights of Nations: Nations and Nationalism in a Changing World Tourism in Ireland: A Critical Analysis Self Farm Incomes: Myths and Reality
Facing the Unemployment Crisis in Ireland Consent: Bridging the Gap Between Doctor and Patient Leadership With Consciousness Commemoration


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Love, Life, and the List
RomanceYoung Adult FictionYoung Adult Literature
What do you do when you've fallen for your best friend? Funny and romantic, this effervescent story about family, friendship, and finding yourself is perfect for fans of Sarah Dessen and Jenny Han.
Seventeen-year-old Abby Turner's summer isn't going the way she'd planned. She has a not-so-secret but definitely unrequited crush on her best friend, Cooper. She hasn't been able to manage her mother's growing issues with anxiety. And now she's been rejected from an art show because her work "has no heart." So when she gets another opportunity to show her paintings, Abby isn't going to take any chances.
Which is where the list comes in.
Abby gives herself one month to do ten things, ranging from face a fear (#3) to learn a stranger's story (#5) to fall in love (#8). She knows that if she can complete the list, she'll become the kind of artist she's always dreamed of being. But as the deadline approaches, Abby realizes that getting through the list isn't as straightforward as it seems . . . and that maybe—just maybe—she can't change her art if she isn't first willing to change herself.
HarperTeen
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Kasie West (Author)
Kasie West lives with her family in central California, where the heat tries to kill her with its 115-degree stretches. She graduated from Fresno State University with a BA degree that has nothing to do with writing. Visit her online at www.kasiew...
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