Handling sensitive nonpublic information can be a daily occurrence for a mobile notary. Don't let your daily tasks get routine. The safeguarding of NPI is one of your most important responsibilities as a mobile notary. Here are four ways a mobile notary can protect nonpublic information.
As a mobile notary, you are out of the office, often in situations where there are not locked filing cabinets or safes readily available. Storing information in your vehicle is generally a bad idea but a trunk or another locked part of your vehicle is much better than leaving documents or electronic devices sitting in plain view on the backseat of your vehicle. Plan your day so you are not leaving important information in less secured areas for long periods of time.
Be sure that your laptop bag, tote, or briefcase does not have any branding about your profession as a mobile notary stitched on the bag. Carry a plain, unbranded bag. There are times to brand yourself and other times you do not want to draw attention to yourself and the information you may be carrying.
Make sure all confidential information, including your notary journal, are stored in a locked filing cabinet, desk, or safe when you are at home or in the office. Consider contracting a monitored alarm system for your home or business. Locks and alarms are proven measures in preventing theft.
All computers, tablets, and smartphones must be password protected.
Make sure your passwords are strong and follow best practices.
Protect your passwords, do not write them down and leave them laying on your desk. If you need to write them down use an encryption and keep them locked with your other important papers.
Keep your operating system and all programs updated – this will reduce the risk of cyber attack from viruses and worms.
Follow Email best practices and be on the lookout for spam and phishing.
Stay off public WiFi. Instead, use a Virtual Private Network (VPN) or use your cell phone to launch a mobile hotspot.
Use an app that can locate all of your devices.
Do not share use of your computer or the electronic devices you use for your notary business with your family.
"Loose Lips Might Sink Ships" was propaganda during WWII. The message was that sharing too much information can be detrimental. As a mobile notary, a good rule of thumb is to treat all of the information you are responsible for as NPI. The more careful you are with the information you share the less chance there is of making a mistake and sharing information that another party does not need to know.
Make sure you are properly and promptly sending signed documents through an authorized carrier and requiring a signature receipt. Return or destroy any documents that are not part of the signing. Do not leave documents unattended before, during, or after a signing that may find the eyes of another party.
You are responsible for the security of this information. If it is ever compromised, alert the party immediately. Immediate notification is your responsibility and can help the party handle the situation and limit damage. The protection of sensitive information by a notary is so important that you may be held liable for any damages caused from information not taken care of.
Policies and procedures are not just for large companies. Make sure you have your own policies in place. Determine how you are going to receive information, protect information once it is in your care, and how you are going to return or destroy information. Make sure your policy meets all of the guidelines legally required. Here is a great checklist from NationalNortary.org that you should be sure to include in your policy for handling NPI. Once you have your policy stick to it.


text:
Universal Laws of Physics and Companies
Leveraging physics to run a better business.
By Doug Leone
What's at stake
The world is changing at an accelerating rate. Tomorrow's world will be different than it is today, and the successful entrepreneurs will be the ones who best manage for change and those who don't will be out of business.
Roughly every eight to ten years a new technology upends markets and transforms industries. After the PC came the router, then the internet, then mobile and then the cloud. New changes are on the horizon. Will your company be ready?
No company is safe
Even the best companies are vulnerable to change. A brief glance at the Fortune 1000 illustrates how tough it is to survive. Every decade, the percentage of legacy companies in the Fortune 1000 drops sharply. Today, three-quarters of the Fortune 1000 are less than ten years old. Which means roughly 750 of the top 1000 companies in the world couldn't keep up with the pace of change for more than a decade.
Even the Dow 30, who by definition are the cream of the crop, are at risk: only four have survived since the 1960s. Change may feel risky, but the biggest risk is not changing. Stasis equals certain failure.
Change requires innovation. One consistent source of innovation has been the transfer of ideas from one field to another. Robert Hagstrom captured this concept in his book, Investing—The Last Liberal Art. It details how you can gain insight on difficult problems by generating a latticework of mental models across disciplines. The "latticework" idea comes from an even more famous source: Charlie Munger of Berkshire Hathaway.
A Latticework of Mental Models
At Sequoia, this concept runs all the way through our history. Most tech enthusiasts know the story of how Steve Jobs famously leveraged what he learned studying calligraphy to make a more personal computer—but what people may not know is how instrumental Steve's time as a technician at Atari was in shaping his attention to detail. He learned first-hand by watching Nolan Bushnell strive to create an experience that people could actually love.
Today, we see the latticework approach thriving. For instance, when everyone else thought of 3D printing as a mechanical engineering problem, Carbon3D approached it as a chemical engineering problem, and came up with a breakthrough that holds the promise of printing manufacture-ready parts at 100x the speed of traditional 3D printers. In healthcare, Natera took analysis techniques normally reserved for physics and applied it to genetics.
Run a better business
The latticework of mental models can also be used to help you run a better business and manage for change. Many different fields have instructive metal models to offer entrepreneurs and CEOs, but physics is particularly adaptable, as the laws are both universal and apt for metaphor.
Here are a few for your consideration.
Newton's first law states that objects in motion tend to stay in motion and objects at rest tend to stay at rest—unless acted upon by a force.
For business, we can think of this in terms of habits and human inertia.
I'm sure you see the negative side of human inertia all around you, where people do things out of habit, regardless of whether it's the best approach or not. Human inertia can be very bad for business. To eradicate it, CEOs must provide vigorous leadership to challenge their teams to always make the best decisions, instead of falling back on easy habits or old processes. Leaders must reward dexterous innovation. This applies to every department in the company. Every group must innovate.
Is your customer service department innovating? Is your legal team playing offense or defense? Is your go-to-market strategy chasing last year's trends or anticipating the next pathway to achieve a step-level increase in sales. Innovation shouldn't just happen inside your product or R&D team, every team must innovate.
While you fight against inertia within your organization, it makes sense to actively encourage it in your customers' behavior. For instance, a subscription model uses habit and human inertia to generate recurring revenue. Think of all the services you keep paying for every month. Subscription models are human inertia in action—and if your competition has consumers paying without thinking—then your only option is to become the force in the market that causes them to change.
A special note on friction
When you think about Newton's first law, you have to think about friction. Friction causes an object to slow down and then stop. Friction is the enemy of growth. Every tiny bit of friction you can remove from a sign-up flow will result in new users. Every fraction of a second you can shave off of load time for a mobile app will result in greater retention. Reducing friction has a compound interest effect for user growth.
Newton's second law of motion is F=MA
Force equals mass x acceleration
This is such a fundamental building block of physics that you can apply it to nearly every situation, but for our purposes, we will focus in on one specific aspect: If you are too big, it will be hard to accelerate.
To accelerate faster, you need to stay lean. I've seen some startups hire more people than they need in the beginning thinking that they will, "grow into" the headcount. This is a mistake. Start lean, stay lean. You will never "grow into it."
Startups can accelerate quickly to produce a big force even with a small size. Startups can maneuver in ways bloated companies cannot.
Ideal gas law
In a system, there is always a balance between pressure, volume and temperature.
But how do you grow without feeling the heat or succumbing to the pressure? You've got to expand as you add heat, without stressing the system to the point that it pops.
To get there, take it one step at a time. Launch one product at time in a big market. Reach market dominance, then you go to the next.
Think about Google—Google started with search. They nailed it and then went on to Gmail, and then Android and so on. Never expand to a new product before you have mastered the first. Make sure the unit economics are profitable. Make sure the market is sufficiently large. And don't add headcount until you absolutely have to. Stay lean.
Get some leverage
Think about a simple machine from physics: the fulcrum. Everyone at a big company thinks their top competition are other big companies. And it's true: if you have a small company on one side of the fulcrum and a big company at the other, the big company will tip the scale.
However, the right kind of startup, with a fast-moving handle on a true competitive advantage can change the position of the fulcrum and hold incredible leverage over a much bigger foe. NetApp's biggest threat isn't EMC, it's Nimble Storage or other fast-moving startups. If you are a startup, use this power to your advantage. If you are established firm, take notice of these smaller competitors strike while the startups are just getting started. But do not buy the 2nd, or 3rd player. If you do, all you'll get for your purchase is regret.
The second law of thermodynamics
The second law of thermodynamics describes entropy, a measure of disorder in a system. Systems break down, order becomes chaos.
We see this in the rise of go-to-market strategies that are based on social referrals and peer-to-peer advocacy. It used to be that a company could tightly control the message around a product or service. This is no longer true. 10B interconnected mobile devices puts the power of story in the hands of customers everywhere. You cannot control the message, only support the community and gently guide it. So just as social media can ruin your company over night, it can also make you an overnight sensation. For enterprise sales, this means that the opinions of the developers matter for what gets adopted and what gets left behind.
You can take advantage of this decentralized system. Social selling is replacing TV ads. Eventually customer service reps and call centers will all be united through distributed, decentralized social interactions and peer-to-peer advocacy. Customer care matters more than ever.
Smart brands will be able to view all of the elements of even the most chaotic system and find ways to command their audience's attention through social amplification.
World is changing. Get used to management for change. Have a different mentality. You can't keep moving in the same direction or you'll be left behind. Every department must innovate (not just product and engineering).
Stay lean and get nimble.
Pressure, Volume, temperature. Grow one product at a time. Get it right, then repeat.
Fulcrum—a startup can take down a giant. Be David, not Goliath. Once you do get big, strike fast when a smart startup enters your market. But don't bother with the second or third best.
Second law of thermodynamics: randomness increases over time. Embrace the shift from controlling a message to guiding it through community and peer advocacy. Get ready for a world transformed by social buying.
A glance at the Fortune 1000 illustrates how tough it is to survive.

redpajama_set_name: RedPajamaCommonCrawl


The Georgetown University Police Department (GUPD) offers free bicycle registration to university students, faculty and staff. Students may additionally register with the National Bike Registry (NBR) through GUPD for a special rate of $10. GUPD will register bikes and place the information in NBR's database. Bicycle registration is no longer required in the District of Columbia, but we encourage you to keep your bicycle locked and have it registered in order to facilitate its return in the case that it is stolen.
You may register with the university here. To obtain your Free Georgetown registration sticker, NBR registration and/or a bicycle lock you must come in person to the Georgetown University Police Department after submitting your registration online.
Location: Georgetown University Police Department, Village C West Wing - Ground Fl.
To safely and effectively manage the number of bicycles, skates, scooters and skateboards on campus, the Office of Transportation Management and the Department of Public Safety share responsibility for bicycle parking regulations, bicycle traffic and equipment regulation enforcement as well as theft prevention, and investigation. Bicycles, skates, scooters and skateboards should be used only in designated areas on the Georgetown University campus.


text:
Ludvig Hanssøn Munthe (August 2, 1593 – December 3, 1649) was the Bishop of the  Diocese of Bjørgvin from 1636 to 1649.

Life and work
Munthe was born in Tikøb, Denmark. He was the son of the parish priest Hans Ludvigssøn Munthe (1560–1601) and Anne Catharina de Fine (1566–1601). Munthe came from a family of priests. Both of his parents died from the plague in 1601, and Ludvig was educated at his uncle's residence in Lund.

In 1613 he was admitted to the University of Copenhagen, where he received his bachelor's degree in 1616 and master's degree in 1619. He became a teacher at  Lund Cathedral School in 1616, but resigned shortly after to privately teach several of the sons of the nobleman Otto Lindenov. This involved two long trips abroad. He spent six years at German universities and became familiar with contemporary theological and religious orientations.

In 1624 he was appointed parish priest at Nordre Borreby in Scania, and in 1634 senior court priest (hoffpredikant) at the court  for King Christian IV.
In 1636, Munthe was named Bishop of Bergen and he arrived in the town in March 1637. He was the first member of the Munthe family to arrive in Norway, when he took the office of his diocese. As bishop, he worked intensely to develop schooling and popular education through the liturgy and religious life. After the town fire of 1640, he rebuilt Bergen Cathedral School and expanded preaching and teaching activities.

Bishop Munthe published an exposition of the catechism in 1644. Munthe's views represented the widespread Lutheran orthodoxy of his time. Some of his effort was directed against "pagan and papist customs" in the form of carnival customs and processions. He criticized popular customs, including the use of images of the saints and the pilgrimage to Røldal.

Family and descendants
In 1624, Munthe married Ingeborg Sørensdatter Friis, daughter of the court scribe Søren Friis. They were the parents of twelve children.
Munthe died at Bergen in 1649; his wife died in 1654.

Munthe's daughter Elisabeth Munthe ( 1630 – c. 1649) was the wife of Christen Paus, mayor of Bergen. His daughter Birgitte Munthe (1634–1708) married Christopher Morgenstierne (1619–1679).
His daughter Abel Munthe (1628–1676), who was married to university professor Peder Lem (1617–1663), was the grandmother of Ludvig Holberg.

See also
Munthe af Morgenstierne (noble family)

References

Further reading
 Carl Paul Caspari  (1864)  "Biskop Ludvig Hanssøn Munthes Katechismusforklaring." Theologisk Tidsskrift for den evangelisk-lutherske Kirke i Norge  (P.T. Mallings Forlags-Boghandel, pp. 81–204)
 Hartvig Andreas Munthe   (1883)  Efterretninger om Familien Munthe i ældre og nyere Tid (Christiania)

Norwegian Lutheran bishops
1593 births
1649 deaths
People from Helsingør Municipality
Bishops of Bjørgvin
17th-century Danish people

redpajama_set_name: RedPajamaWikipedia


ANSWER: Your granddaughter is an indigo child who still has many connections with the non-physical world. She communicates on a regular basis with friends and advisors on the other side. A lot of this takes place during her sleep time, a practice referred to as "going to night school". She has only partial remembrance when she awakes. She can increase the percentage she recalls by having the intention to do so as she drops off to sleep.
Your daughter is also an indigo, but she has chosen to repress much of what she senses. One of the aspects of her hearing has to do with the amount of things that she is suppressing and with which she is refusing to interact. This is a lesson she has carried over from a past life into this life. It has to do with dealing with control issues and being in control. She never had a life where it was expressed as a hearing problem; that is unique to this life.
Karma, which implies punishment, is another thing altogether. It does not really exist unless individuals believe they are subject to it. You carry things from life to life only if you have not come to know the reason you chose to have them in your life during the earlier experiences.
There are a number of things that will assist your daughter in identifying the issues in her life that she chose to undertake: past-life regression, life-between-life work, energy clearing, soul retrieval—any practice that will cause her to delve deeply into her unconscious will unearth the things needed to be completed so that she does not have to do them again.
ANSWER: Your sister had completed the lessons that she came to Earth to learn. She had, however, made a series of contracts with other souls before she incarnated that would allow her actions to have a pivotal impact upon those around her—you included. Some of these contracts included her transitioning back Home in the fashion you observed.
It was intended that in the suicide, and all the inferences that society draws from that act, many lessons would arise for those who remained. People began to question themselves about any part they might have had in her decision. It brought up issues of doubt, guilt, betrayal, abandonment, and many others within a score of friends and family members.
All these things helped those who remain to seek guidance within themselves. Incarnation is about learning everything you can concerning your true essence. This can only be done by delving within and connecting with your feelings. Society has taught that such an activity is selfish. The soul journey demands it for enlightenment. Your sister helped many to remember their journey.
Posted in Life Lessons | Comments Off on Why suicide?
ANSWER: Your son-in-law is not depressed at this time but rather lazy and manipulative. He is quite anti-social unless the topic is him and how others can do his bidding. He has never really grown up and is playing the part of the spoiled rotten brat. It served him well to lose his job because now he can be provided for without having to do anything himself. He refuses to take responsibility for anything that he does, or did, such as father his various children.
He abhors control of any kind and refuses to take instructions. His life right now is one of parasitically sponging off you and your daughter. Counseling might help him to understand why he feels the way he does about responsibilities but don't hold your breath until he goes somewhere.
Just continue to support your daughter and grandchild and let him find his own way. Do not allow him to disrupt the house any further. Your daughter could benefit from talking to someone about the way she is being used so she may better understand.


text:
Q: Can't automate a lemma that works manually in Coq (It seems that my previous question had too much irrelevant information, so I tried to abstract away the details. I'm not sure it's still the same problem, but I'll delete the other question if the same solution works for both.)
I'm trying to reason about some custom-defined lists and predicates :
Inductive alphabet := A.

Definition sentence : Type := list alphabet.

Variable pred1 : sentence -> Prop.

Variable pred2 : sentence -> Prop.

Variable conclusion : Prop.

Now, with the following hypotheses,
Hypothesis H1 : forall (X : sentence),
pred1 X -> pred2 (X ++ X).

Hypothesis H2 : forall X,
pred2 X -> conclusion.

I want to prove
Example manual : pred1 [A] -> conclusion.

Which is obviously true, since conclusion follows whenever some sentence has pred2, and pred1 for any sentence implies that the repetition of that sentence has pred2. A hand-written proof would be
intro. eapply H2. apply H1. exact H. Qed.

Notice that the proof uses nothing but intro, apply, eapply, and exact. This means that the proof should allow a straightforward automation, as long as H1 and H2 are available in the context. For instance, a semi-automatic version
Example semiauto : pred1 [A] -> conclusion.
pose proof H1. pose proof H2. eauto. Qed.

works exactly as you would expect. Now, let's try a fully automated version with hints :
Hint Resolve H1 H2.

Example auto : pred1 [A] -> conclusion.
eauto.
intro.
eauto.
eapply H2.
eauto.
apply H1.
eauto. Qed.

This is strange. eauto fails not only in the beginning, but for every step except the last. Why does this happen?
Some guesses : the consequent of H1 includes the form X ++ X, which might be causing problems with unification. Perhaps Coq performs some implicit cleanup with H1 when it is explicitly introduced to context, but not when it's just in hint DB.
Any ideas?

A: The issue is transparency of sentence.
Building on Anton Trunov's answer, if you look very closely, you'll notice that a difference between Print HintDb core and Create HintDb foo. Print HintDb foo. is that Print HintDb core says
Unfoldable variable definitions: none
Unfoldable constant definitions: none

while Create HintDb foo. Print HintDb foo. says
Unfoldable variable definitions: all
Unfoldable constant definitions: all

I constructed the following simplified version of your example:
Require Import Coq.Lists.List.
Import ListNotations.
Definition sentence := list nat.
Variable pred1 : sentence -> Prop.
Variable pred2 : sentence -> Prop.
Hypothesis H1 : forall (X : sentence),
    pred1 X -> pred2 (X ++ X).
Create HintDb foo.
Hint Resolve H1 : foo.
Hint Resolve H1 : bar.
Hint Resolve H1.
Example ex1 : pred1 [0] -> exists X, pred2 X.
  eexists.
  debug eauto.

Here, we have that eauto and eauto with bar (and eauto with bar nocore, which removes the core database from eauto's consideration) both fail, but eauto with foo (and eauto with foo nocore) succeeds.  This suggests that the issue is transparency.  A bit of playing around resulted in me discovering that eauto will work if we write
Hint Transparent sentence.

Additionally, even without this, eauto works fine if we explicitly give the X variable the unfolded type:
Example ex2 : pred1 [0] -> exists X : list nat, pred2 X.

I am not entirely sure why Coq behaves this way... perhaps it is refusing to unify evars with terms which are of different types (if ?X has type sentence when X ++ X has type list), or perhaps it is a holdover of meta-based unification...  I've opened an issue on the bugtracker about this lack of documentation / bad behavior.

A: A possible workaround here is to add the hints to a new user-defined database:
Create HintDb my_hints.
Hint Resolve H1 H2 : my_hints.

Now we can finish the proof:
Example auto : pred1 [A] -> conclusion.
  eauto with my_hints. Qed.

One more thing: Coq's reference manual tells (§8.9.1) us that

One can optionally declare a hint database using the command Create HintDb. If a hint is added to an unknown database, it will be automatically created.

But if we omit the Create HintDb my_hints. part, the eauto tactic won't work. It looks like the same thing is going on when the hints are being added to the default core hint database.

redpajama_set_name: RedPajamaStackExchange


The email message that arrived in my office in Hong Kong throbbed with the near hysteria of the editor who wrote it.
It was September, 1994, and this outbreak of the plague had touched some primal, tribal human memory. Flowery, overblown language is the lifeblood of Indian newspapers, and by the time these enhanced reports of the return of the Black Death had reached the London tabloids one could be forgiven for thinking the End of the World was at hand … log in to read Ebola's first casualty: clear thinking. (Day pass or subscription required*).
This entry was posted in Current Affairs and tagged Black Death, ebola, Jonathan Manthorpe, risk assessment.


BRIGHTEN YOUR CHILDS DAY - Fun original prints that will make him smile!
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SOFT AND COMFORTABLE - Extra soft innersole - 9/16 inch memory foam making him feel like he's walking on the plushest carpet!
SLIP RESISTANT RUBBER OUTSOLE - Provides the right amount of traction to the slippers, so he can walk or run without slipping or sliding.
NO QUESTIONS ASKED 30-DAY GUARANTEE: No need to guess - take a full 30 days to ensure they fit. If it doesn't meet your expectations, simply return as long as they are unworn for a no questions asked refund.


text:
Making a Difference: Burger Night Out tradition raises spirits and raises funds for non-profit
168 Stops since 2005, "rating the beef and drinking the beer".
By John Stofflet
Published: Dec. 12, 2021 at 8:00 PM CST
MADISON, Wis. (WMTV) - "Once a month let's make this clear, rate the beef & drink the beer": That's been the motto of a local group since 2005. The long-running boys' night out known as Burger Night Out began in 2005 when Bob Phillips' wife asked him to leave their house for the evening.
Phillips said, "Book Club kicked me out of the house. My wife said I can't be there with all the other gals that were coming." He added that he and a friend walked to a local bar, "had a pitcher of beer—maybe two--and hatched out this plan to try to go to as many places around Madison as we could and rate the burgers."
Some of the participants at Burger Night Out stop #168 at It's Time Grill & Pub in Verona(Burger Night Out)
And that's what Burger Night Out has been doing ever since: Gathering for food, conversation, and cold beer. Phillips keeps meticulous records of the group's burger ratings at area taverns and restaurants. Phillips said, "I like keeping track of all of the statistics and things. That's my little phobia."
Burger Night Out participants enjoy conversation at It's Time Grill & Pub in Verona(WMTV)
"It's great! It's like book club for guys…and we rate burgers."
Bob Phillips--Burger Night Out Co-founder
Phillips said Burger Night Out is his favorite night of the month: "It's once a month. It's great! It's like book club for guys…and we rate burgers."
Burger Night Out founder Bob Phillips and server Deb at It's Time Grill & Pub in Verona.(Burger Night Out)
We dropped in as the group was making stop #168--this time at It's Time Grill & Pub in Verona. From the "Drunken Blue Burger", to the "Southwest Bacon Burger" and more, the group ate, drank, talked and laughed together, as they've done since 2005. There were even raffle prizes for each member.
Burger Night Out participants enjoy, burgers, beer, even raffle prizes.(WMTV)
Phillips said a friend suggested in 2015 they also use the monthly gathering as a way to raise money for Second Harvest Food Bank of Southern Wisconsin. Since 2015 they've taken up a collection for Second Harvest at the end of each gathering. On the night of our visit they all pitched in for a total of $315. In 2021, they've raised $2,021. All told since 2015, Burger Night Out has contributed more than $12,000 to the non-profit.
More participants at Burger Night Out Stop #168 at It's Time Grill & Pub in Verona(Burger Night Out)
Phillips said, "It's just a marvelous thing to do, to be able to give back to the community. It's a good thing. So, it's been a good journey."
A good journey, with good friends, spreading goodwill to others along the way.
The Burger Night Out group welcomes new members. Contact Bob Phillips here.
If you'd like to support Second Harvest Food Bank of Southern Wisconsin through our Share Your Holidays Campaign click here
2021 WMTV. All rights reserved.


MA-1-inspired bomber jackets are all over the menswear runways for Fall-Winter 2014, but there are also some lighter weight versions hitting stores right now as part of Spring-Summer collections. Sure, you could easily buy a vintage one or authentic reproduction, but what separates the modern versions from their boot camp counterparts is the fit and feel. This one from Club Monaco is cut slimmer in the arms and with more modern proportions than the super baggy ones you can readily find in surplus stores. Meanwhile the double-zip placket and minimal silhouette give it a high-end designer vibe for a hell of a lot less. It's a bomber jacket you can dress up and wear instead of a blazer en route to work, or pair with rolled up jeans and high-top canvas sneakers when you're off-duty.


text:
Mummy actor Brendan Fraser to appear at Universal Studios
Brendan Fraser, star of "The Mummy" movies and star of Universal Studios' Revenge of The Mummy roller coaster, will be visiting the park at 2 p.m. on Friday, July 11 to meet with guests. He will reveal a sneak peek from his new film "The Mummy: Tomb of the Dragon Emperor" and park guests will have the opportunity to ask Fraser questions on the filmmaking process during a questions and answer session.
Guests will also have the opportunity to enter for a chance to win a movie premiere package for two, complete with round-trip airfare, three nights of hotel accommodations and tickets to attend the premier of "The Mummy: Tomb of the Dragon Emperor" and visit Universal Studios in Hollywood.
After seeing the film clip and the Q&A, guests can ride the ride based on the "The Mummy" films. The psychological thrill ride, with Fraser in the lead role, is the first attraction in history to feature an unprecedented fusion of threshold technology, high-speed roller coaster engineering and space-age robotics to propel guest through authenticated ancient Egyptian catacombs and "live" pyrotechnic effects.
In "The Mummy: Tomb of the Dragon Emperor," Fraser reprises his role as explorer Rick O'Connell to combat the resurrected Han Emperor (Jet Li) in an epic that races from Ancient China to the neon-lit streets of post-war Shanghai and high into the spectacular Himalayas. The movie starts Aug. 1.
More details available at www.UniversalOrlando.com.
Walt Disney World unveils new vision for Downtown Disney
More info on Pleasure Island club closings & Downtown Disney enhancements
BJ June 30, 2008 - 3:25 am
Hey, if anyone goes to this, could you please ask Brendan Fraser about what it was like to film Looney Tunes: Back In Action?
New 'Wreck-It Ralph,' Marvel VR experiences coming...
'From Dusk Till Dawn' coming to Universal's...
Universal Orlando launches new mobile app and...


Exchange traded funds offer a very wide range of investment opportunities and they represent the shares of ownership in either unit investment trusts or in depository receipts. Depository receipts hold the portfolios of common stocks that track the performance and the dividend yields of specific market indexes. Exchange traded funds, also known as ETFs, are like closed-end and open-end index mutual funds and they trade like stocks. They provide the investor with the opportunity to buy and sell a selection of stocks in a single security, just like when selling or buying stocks per share. Exchange traded funds are actually traded on an exchange, such as the NYSE, instead of being directly purchased from the issuing company, like mutual funds. Exchange traded funds offer a very easy way to diversify a small investment and they have many benefits over mutual fund investing.
1) There is no minimum investment other than the market price of one share for ETFs. Mutual funds often have a minimum of investment of $2,500 making portfolio diversification difficult for new investors.
2) Exchange traded funds typically have lower fees than traditional mutual funds. There is no redemption fee required at liquidation and the commission charged to buy or sell stock is similar to that of a stock trade. Index funds are also no-load and are commission free.
3) Tax efficient. The structure of exchange traded funds gives the investor a tax advantage over mutual funds. Since they are traded on an exchange, the ETF investor sells to other investors and there is no underlying security that is sold. There are also no capital gains that are distributed. Mutual funds however, must sell underlying securities upon redemption, and the capital gains are distributed to the owners of the funds. This can result in taxable gains and losses that are passed on to the investor when investing in mutual funds.
4) Faster liquidation of a position for exchange traded funds. They also allow the ability to set a limit order allowing for flexibly trading that a mutual fund could not offer. They can also be more liquid that the individual shares that they hold and more specifically for an ETF that holds small cap stocks that are thinly traded, or bonds other than U.S. Treasuries.
Exchange traded funds provide small investors with more choices and they also force the investor to conduct more research on markets that they previously had no experience in. They also enable those individuals who are working to build a strong portfolio through diversification, to invest smaller amounts of money at first. If you are interested in ETFs continue to do research and learn about the ins and outs of investing in these types of funds.


1765 – Colonel Isaac Hayne married Elizabeth Hutson. It is not known if he owned Hayne Hall at this time.
Hayne Hall was the permanent residence of Isaac and Elizabeth and their seven children. Two of the children, Mary and William Edward, were twins. Colonel Hayne recorded in his journal that "Ann Busk came to Suckle the Twins which She did 3½ Months" (5).
The plantation was profitable and the Haynes were respected members of their community. In addition to Hayne Hall, Colonel Isaac Hayne owned nearby Pear Hill and Sycamore plantations and two lots in Charleston. One of the lots still has a house standing. It was operated as a bed and breakfast (6, p. 16).
1773 – Colonel Isaac Hayne had two indentured servants. Joseph Smith came from London and was a carpenter. James Taylor came from Scotland and was a gardener. He let both of them go in 1775 (5).
1775-1777 – Colonel Hayne made notes in his journal regarding the work on his house at Hayne Hall and other outbuildings. It is not known when construction of the house began.
"Daniel Crawford a Carolinian came here July 22 & having built the Chimneys to the house went away the 26 Augt ... Andrew Templeton a Scotchman began to wainscot the East room 8 November 1775 & finished Octr: 31, 1776 ... George Stewart a Scotchman & Carpenter Came to work on Hayne Hall, April 24, 1776 & continued till May 24, 1777 ... George Stewart a Scotchman & Carpenter Came to work on Hayne Hall, April 24, 1776 & continued till May 24, 1777 ... Daniel Crawford came again Augt 23 1777 & staid off & on till Decr 16, building the Smoak house & barn up to the Windows ... (5).
William Edward Hayne, one of Colonel Isaac Hayne's sons, recalled that Hayne Hall was an "elegant mansion house - brick barn, and stables, and every suitable building of a well settled rice plantation" (6, p. 16).
1776 – The Revolutionary War interrupted Colonel Isaac Hayne's plantation life. He was a captain in the militia (6, p. 16).
Colonel Isaac Hayne also owned half of Aera Ironworks in York District which manufactured ammunition for the American forces. His partner, William Hill, managed the place and Hayne supplied the slave labor. Hayne kept a record of slaves that he sold to the ironworks (6, p. 22: n10).
1780 – Colonel Isaac Hayne was made to take an oath of allegiance to the British crown. He did so in order to protect his family who were sick at the time with small pox.
1781 – Colonel Isaac Hayne rejoined the American forces. He was captured when the British tried to rescue General Andrew Williamson. Williamson originally fought for the American forces but then went over to the British. He owned White Hall Plantation in Greenwood County.
The British decided to make an example of Colonel Isaac Hayne to keep others from becoming traitors to the crown. He was locked in the Provost Dungeon, and was hung by the neck on August 4 (6, p. 29).
Colonel Isaac Hayne's son, Isaac, brought Hayne's body back to Hayne Hall for burial (6, p. 32).
? – The house burned down.
1924 – Edward Terry Hendrie Shaffer, a Walterboro businessman and farmer, is credited with the rediscovery of Colonel Isaac Hayne's burial site. He became secretary of the Hayne Monument Commission and presided over the ceremony on November 19 when the Hayne monument was dedicated (2).
? – The South Carolina State Park Service acquired the burial site of the Hayne family. It is open to the public.
Cemetery – The Hayne Family burial site is still on the grounds. There are 12 gravesites that are maintained by the South Carolina State Park Service. A monument has been erected in honor of Colonel Isaac Hayne.
Click here to read the inscriptions from the gravestones.
Colonel Isaac Hayne kept records on his slaves. He recorded births and deaths along with sales and purchases of slaves. To view a portion of his records click here. Below are some examples of the entries he made.
Elsy Burnt to Death Novr 26 1778"
Records Kept By Colonel Isaac Hayne - this page contains transcribed portions of Colonel Hayne's records. He made notes on his slaves and plantation management issues.
SC Highway Historical Marker Guide - online database by the SC Department of Archives & History, p. 64.


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Bianca Andreescu's Racquet
ByFred Simonsson Posted on November 5, 2019 February 17, 2022 Updated on February 17, 2022
Before the US Open 2019, very few people knew much about the Canadian Bianca Andreescu. She had some success before the US Open as well, being the No.1 junior and winning the prestigious Indiana Wells WTA title. However, after winning the US Open, she was the talk of the tennis world. Only 18 years old and winning a Grand Slam title is certainly impressing.
With all the success on court, many asks, what racquet Bianca uses to compete at the very highest level. That's what I will go through in this post.
What racquet does Bianca Andreescu use? Bianca Andreescu currently plays with a pro stock version of the Head Graphene Touch Speed MP that is painted to look like the Head Graphene 360 Speed MP. Bianca strings her racquet with Babolat RPM Blast.
1 Bianca Andreescu Racquet Specs
2 Can You Buy Bianca Andreescu's Racquet?
Bianca Andreescu Racquet Specs
Head or Bianca Andreescu herself haven't released exactly how they have modified the racquet. However, considering it being a pro stock racquet, it's heavily modified and there will be many changes compared to the retail version. With that in mind, here is Bianca Andreescu's racquet, the Head Touch Prestige MP specifications.
Head Touch Prestige MP Specs
Weight (strung):
Can You Buy Bianca Andreescu's Racquet?
If you want to get Bianca Andreescu's racquet with the exact same modifications, you are up for a challenge. Since, we don't know what kind of modifications she uses, it's pretty much impossible to get the same racquet as her.
However, if you are fine with getting the retail version (you should be), it will play very similar to Bianca's racquet. The retail version of the Head Graphene Touch Prestige MP is available on many different stores online. However, the price differ a lot depending on where you buy it, but from what I have seen, you will find the cheapest price on Amazon. Take a look at the current price and compare, because the prices are constantly changing.
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AccountingAccounting (Text Only)Revenue and cash receipts journals; accounts receivable subsidiary and general ledgers Transactions related to revenue and cash receipts completed by Sterling Engineering Services during the period June 2–30, 2016, are as follows: June 2. Issued Invoice No. 717 to Yee Co., $1,430. 3. Received cash from Auto-Flex Co. for the balance owed on its account. 7. Issued Invoice No. 718 to Cooper Development Co., $670. 10. Issued Invoice No. 719 to Ridge Communities, $2,840. Post revenue and collections to the accounts receivable subsidiary ledger. 14. Received cash from Cooper Development Co. for the balance owed on June 1. 16. Issued Invoice No. 720 to Cooper Development Co., $400. Post revenue and collections to the accounts receivable subsidiary ledger. 18. Received cash from Yee Co. for the balance due on invoice of June 2. 20. Received cash from Cooper Development Co. for invoice of June 7. 23. Issued Invoice No. 721 to Auto-Flex Co., $860. 30. Recorded cash fees earned, $4,520. 30. Received office equipment of $1,800 in partial settlement of balance due on the Ridge Communities account. Post revenue and collections to the accounts receivable subsidiary ledger. Instructions 1. Insert the following balances in the general ledger as of June 1 : 2. Insert the following balances in the accounts receivable subsidiary ledger as of June 1: Auto-Flex Co. $1,670 Cooper Development Co. 980 Ridge Communities — Yee Co. — 3. Prepare a single-column revenue journal (p. 40) and a cash receipts journal (p. 36). Use the following column headings for the cash receipts journal: Fees Earned Cr., Accounts Receivable Cr., and Cash Dr. The Fees Earned column is used to record cash fees. Insert a check mark (P) in the Post. Ref. Column when recording cash fees. 4. Using the two special journals and the two-column general journal (p. 1) journalize the transactions for June. Post to the accounts receivable subsidiary ledger, and insert the balances at the points indicated in the narrative of transactions. Determine the balance in the customer's account before recording a cash receipt. 5. Total each of the columns of the special journals, and the post the individual entries and total to the general ledger. Insert account balances after the last posting. 6. Determine that the sum of the customer accounts agrees with the accounts receivable controlling account in the general ledger. 7. Why would an automated system omit postings to a control account as performed in step 5 for Accounts Receivable?
Revenue and cash receipts journals; accounts receivable subsidiary and general ledgers Transactions related to revenue and cash receipts completed by Sterling Engineering Services during the period June 2–30, 2016, are as follows: June 2. Issued Invoice No. 717 to Yee Co., $1,430. 3. Received cash from Auto-Flex Co. for the balance owed on its account. 7. Issued Invoice No. 718 to Cooper Development Co., $670. 10. Issued Invoice No. 719 to Ridge Communities, $2,840. Post revenue and collections to the accounts receivable subsidiary ledger. 14. Received cash from Cooper Development Co. for the balance owed on June 1. 16. Issued Invoice No. 720 to Cooper Development Co., $400. Post revenue and collections to the accounts receivable subsidiary ledger. 18. Received cash from Yee Co. for the balance due on invoice of June 2. 20. Received cash from Cooper Development Co. for invoice of June 7. 23. Issued Invoice No. 721 to Auto-Flex Co., $860. 30. Recorded cash fees earned, $4,520. 30. Received office equipment of $1,800 in partial settlement of balance due on the Ridge Communities account. Post revenue and collections to the accounts receivable subsidiary ledger. Instructions 1. Insert the following balances in the general ledger as of June 1 : 2. Insert the following balances in the accounts receivable subsidiary ledger as of June 1: Auto-Flex Co. $1,670 Cooper Development Co. 980 Ridge Communities — Yee Co. — 3. Prepare a single-column revenue journal (p. 40) and a cash receipts journal (p. 36). Use the following column headings for the cash receipts journal: Fees Earned Cr., Accounts Receivable Cr., and Cash Dr. The Fees Earned column is used to record cash fees. Insert a check mark (P) in the Post. Ref. Column when recording cash fees. 4. Using the two special journals and the two-column general journal (p. 1) journalize the transactions for June. Post to the accounts receivable subsidiary ledger, and insert the balances at the points indicated in the narrative of transactions. Determine the balance in the customer's account before recording a cash receipt. 5. Total each of the columns of the special journals, and the post the individual entries and total to the general ledger. Insert account balances after the last posting. 6. Determine that the sum of the customer accounts agrees with the accounts receivable controlling account in the general ledger. 7. Why would an automated system omit postings to a control account as performed in step 5 for Accounts Receivable?
Carl Warren + 2 others
1 Introduction To Accounting And Business2 Analyzing Transactions3 The Adjusting Process4 Completing The Accounting Cycle5 Accounting Systems6 Accounting For Merchandising Businesses7 Inventories8 Sarbanes-oxley, Internal Control, And Cash9 Receivables10 Fixed Assets And Intangible Assets11 Current Liabilities And Payroll12 Accounting For Partnerships And Limited Liability Companies13 Corporations: Organization, Stock Transactions, And Dividends14 Long-term Liabilities: Bonds And Notes15 Investments And Fair Value Accounting15FSI Financial Statements For Mornin' Joe International16 Statement Of Cash Flows17 Financial Statement Analysis18 Managerial Accounting Concepts And Principles19 Job Order Costing20 Process Cost Systems21 Cost Behavior And Cost-volume-profit Analysis22 Budgeting23 Performance Evaluation Using Variances From Standard Costs24 Performance Evaluation For Decentralized Operations25 Differential Analysis, Product Pricing, And Activity-based Costing26 Capital Investment Analysis
Problem 10DQ
Problem 5.1APE
Problem 5.1BPE
Problem 5.1EX
Problem 5.10EX
Problem 5.1APR
Problem 5.1BPR
Problem 5.1CP
Chapter 5, Problem 5.2BPR
Revenue and cash receipts journals; accounts receivable subsidiary and general ledgers
Transactions related to revenue and cash receipts completed by Sterling Engineering Services during the period June 2–30, 2016, are as follows:
June 2. Issued Invoice No. 717 to Yee Co., $1,430.
3. Received cash from Auto-Flex Co. for the balance owed on its account.
7. Issued Invoice No. 718 to Cooper Development Co., $670.
10. Issued Invoice No. 719 to Ridge Communities, $2,840.
Post revenue and collections to the accounts receivable subsidiary ledger.
14. Received cash from Cooper Development Co. for the balance owed on June 1.
16. Issued Invoice No. 720 to Cooper Development Co., $400.
18. Received cash from Yee Co. for the balance due on invoice of June 2.
20. Received cash from Cooper Development Co. for invoice of June 7.
23. Issued Invoice No. 721 to Auto-Flex Co., $860.
30. Recorded cash fees earned, $4,520.
30. Received office equipment of $1,800 in partial settlement of balance due on the Ridge Communities account.
1. Insert the following balances in the general ledger as of June 1:
2. Insert the following balances in the accounts receivable subsidiary ledger as of June 1:
Auto-Flex Co. $1,670
Cooper Development Co. 980
Ridge Communities —
Yee Co. —
3. Prepare a single-column revenue journal (p. 40) and a cash receipts journal (p. 36). Use the following column headings for the cash receipts journal: Fees Earned Cr., Accounts Receivable Cr., and Cash Dr. The Fees Earned column is used to record cash fees. Insert a check mark (P) in the Post. Ref. Column when recording cash fees.
4. Using the two special journals and the two-column general journal (p. 1) journalize the transactions for June. Post to the accounts receivable subsidiary ledger, and insert the balances at the points indicated in the narrative of transactions. Determine the balance in the customer's account before recording a cash receipt.
5. Total each of the columns of the special journals, and the post the individual entries and total to the general ledger. Insert account balances after the last posting.
6. Determine that the sum of the customer accounts agrees with the accounts receivable controlling account in the general ledger.
7. Why would an automated system omit postings to a control account as performed in step 5 for Accounts Receivable?
Chapter 5,
Chapter 5 Solutions
Ch. 5 - Why would a company maintain separate accounts...Ch. 5 - What are the major advantages of the use of...Ch. 5 - In recording 400 fees earned on account during a...Ch. 5 - How many postings to Fees Earned for the month...Ch. 5 - During the current month, the following errors...Ch. 5 - Assuming the use of a two-column general journal,...Ch. 5 - What is an electronic form, and how is it used in...Ch. 5 - Do computerized systems use controlling accounts...Ch. 5 - What happens to the special journal in a...Ch. 5 - How would e-commerce improve the...
Ch. 5 - Revenue journal The following revenue transactions...Ch. 5 - Revenue journal The following revenue transactions...Ch. 5 - Accounts receivable subsidiary ledger The debits...Ch. 5 - Accounts receivable subsidiary ledger The debits...Ch. 5 - Purchases journal The following purchase...Ch. 5 - Purchases journal The following purchase...Ch. 5 - Accounts payable subsidiary ledger The debits and...Ch. 5 - Accounts payable subsidiary ledger The debits and...Ch. 5 - Segment analysis McHale Company does business in...Ch. 5 - Segment analysis Back Country Life, Inc., does...Ch. 5 - Identify postings from revenue journal Using the...Ch. 5 - Accounts receivable ledger Based on the data...Ch. 5 - Identify journals Assuming the use of a two-column...Ch. 5 - Identify journals Assuming the use of a two-column...Ch. 5 - Identify transactions in accounts receivable...Ch. 5 - Prepare journal entries in a revenue journal...Ch. 5 - Posting a revenue journal The revenue journal for...Ch. 5 - Accounts receivable subsidiary ledger The revenue...Ch. 5 - Revenue and cash receipts journals Transactions...Ch. 5 - Revenue and cash receipts journals Lasting Summer...Ch. 5 - Identify postings from purchases journal Using the...Ch. 5 - Identify postings from cash payments journal Using...Ch. 5 - Identify transactions in accounts payable...Ch. 5 - Prepare journal entries in a purchases journal...Ch. 5 - Posting a purchases journal The purchases journal...Ch. 5 - Accounts payable subsidiary ledger The cash...Ch. 5 - Purchases and cash payments journals Transactions...Ch. 5 - Purchases and cash payments journals Happy Tails...Ch. 5 - Error in accounts payable subsidiary ledger After...Ch. 5 - Identify postings from special journals Pinnacle...Ch. 5 - Cash receipts journal The following cash receipts...Ch. 5 - Computerized accounting systems Most computerized...Ch. 5 - Computerized accounting systems and e-commerce...Ch. 5 - E-commerce For each of the following companies,...Ch. 5 - Segment revenue horizontal analysis Starbucks...Ch. 5 - Segment revenue vertical analysis News Corporation...Ch. 5 - Segment revenue horizontal and vertical analyses...Ch. 5 - Revenue journal; accounts receivable subsidiary...Ch. 5 - Revenue and cash receipts journals; accounts...Ch. 5 - Purchases, accounts payable subsidiary account,...Ch. 5 - Purchases and cash payments journals; accounts...Ch. 5 - All journals and general ledger; trial balance The...Ch. 5 - Problems: Series B Revenue journal; accounts...Ch. 5 - Revenue and cash receipts journals; accounts...Ch. 5 - Purchases, accounts payable account, and accounts...Ch. 5 - Purchases and cash payments journals; accounts...Ch. 5 - All journals and general ledger; trial balance The...Ch. 5 - Ethics in Action Netbooks Inc. provides accounting...Ch. 5 - Manual vs. computerized accounting systems The...Ch. 5 - Accounts receivable and accounts payable A...Ch. 5 - Design of accounting systems For the past few...Ch. 5 - Communication Internet-based accounting software...
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Reference : Late payment of freight and hire - power to award interest under the 1998 Act.
Title : Late payment of freight and hire - power to award interest under the 1998 Act.
Abstract : [en] Comments on the Commercial Court judgment in Martrade Shipping & Transport GmbH v United Enterprises Corp on whether to award interest under the Late Payment of Commercial Debts (Interest) Act 1998 in a dispute about a charterparty, which was governed by English law and referred to London arbitration, but otherwise had no significant connection with the UK.


American woodcocks are found in forests with open areas. A mosaic of young forests and abandoned farm fields is ideal for woodcocks. The specific habitat varies with activity and season. Woodcocks prefer areas with woody vegetation for singing grounds, and forest edges or areas with cover for feeding. They nest in a variety of habitats such as open fields, mixed forests, brush fields, and coniferous forests. Wintering grounds are a wide variety of forest types, including bottomland hardwoods, mature longleaf pine forests, and upland mixed pine-hardwood forests.
American woodcocks are short, plump, compact birds with very long (5.9 to 7.8 cm) bills that are specialized for feeding on earthworms. Woodcocks are mottled brown, rich buff and gray in a way that camouflages them well in woodland habitat. Their heads are large, with three dark bands across the back. Woodcocks have large brown eyes that are set far back in the skull, providing rearview binocular vision. Their wings are broad and rounded.
Male and female American woodcocks are similar in appearance, though females are generally larger than males. Female American woodcocks range from 27 to 31 cm long and can weigh 151 to 279 g. Their wingspans range from 44.6 to 50.8 cm. Males range from 25 to 28 cm long and weigh 116 to 219 g. Their wingspans range from 40.4 to 45.5 cm (Keppie and Whiting, 1994; Terres, 1980).
American woodcocks are polygynous. Courtship and nesting span a six-month period, usually beginning in late February or early May. The male may even begin his courtship flights on the wintering grounds, and continue them on the breeding grounds. Males attract a mate by performing a courtship flight, called a "sky dance," at dusk and dawn. They spiral up high, flittering their wings and chirping, and then circle sharply back to the ground, where they make a peenting call. The areas where males perform this display are called 'singing sites' or 'breeding fields', and each male is loyal to a few sites. Females then chose between available males. There is no pair-bond, and males give no parental care. There is also no mate guarding.
American woodcocks are solitary birds seldom seen by day. They are most active from dusk to dark, around dawn, on moonlit nights, and sometimes on cloudy days. They also migrate at night, singly or in small, loose flocks. During migration, flocks may turn up in city parks, yards, orchards, and on lawns. There is no evidence of social dominance hierarchy in this species, nor minimum individual distances.
American woodcocks primarily eat invertebrates. Earthworms account for 50-90% of the diet, which also includes beetles, flies, centipedes, and various insect larvae. Woodcocks occasionally eat seeds, but plant materials account for a very small fraction of their total diet.
Woodcocks probably do not drink water. They obtain sufficient water in the foods that they eat.
Though specific predators of American woodcocks have not been well documented, predation is the primary cause of woodcock mortality in many areas. Woodcock adults, chicks and eggs are vulnerable to predation by a number of avian and mammalian predators, including domestic cats. Eggs are also vulnerable to predation by snakes.
Woodcocks are cryptically colored in brown, buff and gray. This coloration allows them to blend in with their habitat, making them less visible to predators. In response to predators, females may feign injury in order to draw a predator away from her nest or chicks.
American woodcocks affect the local populations of the earthworms and insect species that they eat. They may aerate the soil while probing for insects and earthworms. They also host at least 49 different types of parasites.
American woodcocks are protected under the U.S. Migratory Bird Act. They are not protected under CITES or the U.S. Endangered Species Act.


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NEWS & ADVICE : FIXED DEPOSITS
Foreign banks see a drop in asset quality despite credit off take
By Neelima Shankar
A research report by HDFC Securities has said that there has been a decline in the asset quality of foreign banks operating in India despite a growth in their loan books. The loan books of these banks have recorded profits.
It has been observed by HDFC Securities that nearly 5% of the loans disbursed by these banks have turned bad in the financial yaer 2009-10. This has disturbed the entire non performing assets (NPA) scenario of these banks. The systemic slippages of around 16% out of the total can be attributed to have been occured on the part of foreign banks.
It was recently announced by rating agency CARE that decrease in asset quality of banks would hurt their profitability.
It has been said by a senior executive from a foreign bank that the poor asset quality of these banks would continue in the FY'10 too and an improvement is expected only in FY11.
"We have seen the worst of the situation. We have improved customer orientation, credit underwriting policy and collateral management standard. But the reflection of good policies will start showing in FY11," said the senior banker.
The FY'09 saw HSBC report a gross NPA of 5.36%, CitiBank with gross NPA of 5.1% while StanChart was towards the better with NPA of 2.8%. Now these banks together account for 70% of the total balance sheet of the foreign banks operative in the country. They also account for 10% of the total gross NPA of the system.
HDFC Securities said that the Indian operation of foreign banks corner around 14% of the system's collective profit and, if listed, they would have a market capitalisation of $28-32 billion, nearly 25% of the country's banking system.
While a StanChart spokesperson said, "Our business strategy is more revenue and profit-driven, and not loan book-driven like local banks. Pure lending is a small part of our business, both in India and globally."
StanChart said it could very well realise the unsecured lending portfolio getting riskier so it slowed its business lines like credit cards and personal loans which are on the unsecured fromt and concentrated more on secured businesses like mortgages.
"Over 80% of our consumer book is now secured, and more than 70% of our wholesale book has a tenor of less than one year, which allowed us to price better," the spokesperson said.
Foreign banks in India collectively account for 5.5% of advances in the country's banking system. They also account for 26% of banks' fee income and 10% of employee cost.
FD: Opportunity for retirees to diversify...
Some Quick Facts about Wealth Tax in India!
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Planning to invest in a bank FD? Think again
Recurring Deposits or Systematic...
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• Federal Bank launched V connect for its customers Feb 12, 2015
• Andhra Bank on expansion mode Feb 11, 2015
• Dena Bank earned a profit of 13%. Feb 9, 2015
• Banks expected to cut down the rates Feb 5, 2015
• RBI kept the rates unchanged Feb 4, 2015


DIY Christmas Room Decor 2016 ! Cheap and Easy Holiday Decorations !
Let me know in the comment section " when do you start decorating for Christmas ? "
**What camera do you use ? - I use the Canon 600d with the Sigma 30mm f1.4 lens.
**Where did you go to uni and what did you study ? - I went to Leeds university and studied Physics.
**What camera do you use ? – I use the Canon 600d with the Sigma 30mm f1.4 lens.
**Where did you go to uni and what did you study ? – I went to Leeds university and studied Physics.
I stated decorating in September! Who else dose this?
I love your sweater where did you get it?


Amos the mouse and Boris the whale: a devoted pair of friends with nothing at all in common, except good hearts and a willingness to help their fellow mammal. They meet after Amos sets out to sea in his homemade boat, the Rodent, and soon finds himself in extreme need of rescue. Enter Boris. But there will come a day, long after Boris has gone back to a life of whaling about and Amos has gone back to his life of mousing around, when the tiny mouse must find a way to rescue the great whale.
The tender yet comical story of this friendship is recorded in text and pictures that are a model of rich simplicity. Here, with apparent ease and concealed virtuosity, Caldecott medalist William Steig brings two winning heroes to life.
Amos & Boris is a 1971 New York Times Book Review Best Illustrated Book of the Year, Notable Children's Book of the Year, and Outstanding Book of the Year.


Whether it's consultation on a purchase, designing a new home, remodel, or construction supervision, my experience, creativity and reputation can make your project more enjoyable and cost-efficient.
This site shows you how my 35+ years of building and design experience can turn your dreams into reality.
I hope you join the many satisfied clients who have become great friends of mine.
"When we build, let us think that we build forever. Let it be such work as our descendants will thank us for; and let us think, as we lay stone on stone, that a time will come when those stones will be held sacred because our hands have touched them."


Michael Sperberg-McQueen at the XML 2007 conference.
C. Michael Sperberg-McQueen is an American markup language specialist. He was co-editor of the Extensible Markup Language (XML) 1.0 spec (1998), and chair of the XML Schema working group.
He was also instrumental in the Text Encoding Initiative (TEI), an international cooperative project to develop and disseminate guidelines for the encoding and interchange of electronic text for research. He was co-editor, with Lou Burnard, of the TEI's Guidelines for Electronic Text Encoding and Interchange in 1994. He also served as Editor in chief of the TEI from 1988 to 2000.
XML and TEI have become ubiquitous in their domains. Sue Polanka (Head of Reference/Instruction, Wright State University Libraries) notes that the TEI "...in the 1980s and 90s established a fundamental set of methods and practices that now underpin most digital humanities scholarship" Sperberg-McQueen has been a key leader of these and other standards efforts through extensive speaking, teaching, writing, and research.
He holds a Ph.D. in comparative literature from Stanford University, and has taught and published widely on markup systems, overlapping markup, formal languages, semantic theory, and other topics.
In 2015, Sperberg-McQueen held courses on Digital Humanities at the Technical University of Darmstadt as visiting professor.
http://findarticles.com/p/articles/mi_m0EIN/is_2003_Dec_10/ai_111110786/ -- "XML Cup 2003 Awards Presented"
^ Nancy Ide; C. M. Sperberg-McQueen (1995). "The TEI: History, goals, and future". Computers and the Humanities. 29 (1): 5–15. doi:10.1007/bf01830313.
^ Sue Polanka. (July 26, 2012). "DPLA receives $1 million award from the NEH". Archived from the original on July 30, 2012.
^ Allen Renear; David Dubin; C. M. Sperberg-McQueen (2002). Towards a semantics for XML markup. ACM Symposium on Document Engineering. pp. 119–126.
^ C. M. Sperberg-McQueen; Claus Huitfeldt (2000). GODDAG: A Data Structure for Overlapping Hierarchies. 8th International Conference on Digital Documents and Electronic Publishing, DDEP 2000, 5th International Workshop on the Principles of Digital Document Processing, PODDP 2000. Munich, Germany. pp. 139–160.
^ C. M. Sperberg-McQueen (2005). Applications of Brzozowski derivatives to XML Schema processing. Extreme Markup Languages.
^ C. M. Sperberg-McQueen (2011). What Constitutes Successful Format Conversion? Towards a Formalization of 'Intellectual Content. International Journal of Digital Curation. 6. pp. 153–164.
This page was last edited on 26 February 2019, at 19:11 (UTC).


text:
Mrs McGowan
Execution of Dr Pritchard
Mitchell Library, Glasgow Collection
"Lines On The Execution Of Dr Pritchard", a song preserved in a scrapbook entitled Old Glasgow Street Songs etc, 1850 which is held at the Mitchell Library.
This song is about the execution of Dr Edward Pritchard (1825-1865), who was found guilty of the murder of his wife and mother-in-law in 1865. Pritchard was the last man to be hanged in public in Glasgow: a crowd of 80,000-100,000 was reported to have attended his execution outside the Justiciary Buildings in Saltmarket, opposite Glasgow Green.
Reference: GC 398.5 GLA
Reproduced with the permission of Glasgow City Council, Libraries Information and Learning
folk songs, Glasgow Green, Justiciary Buildings, Justiciary Courts, Lines On The Execution Of Dr Pritchard, lyrics, murders, Old Glasgow Street Songs etc, 1850, physicians, poetry, poisoners, poisonings, public executions, public hangings, street songs


Computer Repairs Swinton, Mexborough, Rotherham - Welcome to the Swinton, Mexborough Computer Repairs Directory listing recommended computer repair companies in Swinton, Mexborough. It lists those who offer pc repairs and computer repairs in Swinton, Mexborough, Rotherham. Do you have a Swinton, Mexborough computer repair business? If so, why not advertise it on the Swinton, Mexborough Business Directory - IT'S FREE.


I was going to post some photos on my social media of my meal last night but then I realised there are too many good photos and I have too much to say so I thought I'd put it all into a blog instead! That way you can literally re-live my meal with me! Haha.


text:
Off the Wall: Death in Yosemite
Ghiglier and Farabee (Puma Press)
Page By
Oct 12, 2007 / Jun 14, 2010
Object ID
This volume is an account of the nearly 900 fatalities in Yosemite's 156 years of recorded history. The chapters are divided into major categories of mishaps (e.g., rock climbing accidents, drownings) and the narrative within each chapter proceeds from one incident to the next in recounting the hundreds of fatal incidents.
In addition to technical rock climbing accidents, river drownings, animal attacks, lightning strikes, lost hikers, and deaths while hiking or scrambling, the book covers such infamous incidents as the airplane laden with 5,000 pounds of marijuana that crashed at Lower Merced Pass Lake in 1977. About a ton of the cargo was "salvaged" by locals and visitors before authorities could intercede.
Suicides accounted for 60 of the deaths, while homicides number 44. This book reflects exhaustive research and concludes with a chapter entitled "What Can We Learn From All of This?"
Softcover:	608 pages
Author:	Michael P. Ghiglier and Charles R. Farabee, Jr.
Publisher:	Puma Press
Year of Publication:	2007
ISBN:	13-978-0-9700973-6-1
Augie Medina - Oct 12, 2007 10:31 am - Voted 5/5
Excellent Compendium
Despite the title, there is little of the macabre in this detailed account of the hundreds of fatalities in the park's 156 years of recorded history. Part of the reason for this is the lively writing style of the authors. You will not be long into the first chapter narrating the ways people have put themselves into position to be swept down waterfalls before you become flabbergasted at the way victim after victim ignored palpable warnings of danger (such as guard rails).
The chapter on climbing accidents is nearly 100 pages in length and there is also a substantial chapter on fatalities while hiking and scrambling. The chapter on hikers getting lost provides some very interesting reading, while the chapters on suicides (in 1925, a man who had squandered his inheritance jumped 1,430 feet off the cliff of Upper Yosemite Fall) and murders is obviously there for completeness.
While the incidents within each chapter are narrated without headings, the end of each chapter provides a convenient catalog of the incidents recounted and even incidents that are not described in the chapter.
There are hours of "entertainment" in this book and perhaps some lessons.
silversummit - Jan 7, 2009 8:44 pm - Voted 5/5
Surprisingly good reading!
I picked this tome up half expecting to be bored but as Mountain Impulse describes, the lively writing style definitely keeps you reading. Occasionally I did skip over a few short sections such as the early historical segments and aviation accidents but I was amazed by the abundance of total stupidity such as standing on railings to take pictures and walking out into the center of rivers. Every time I would get a bit bored a new chapter would introduce a different death cause such as lightning strike.
In fact, one of the most famous accidents resulting in death on Half Dome from a lightning strike, led me to look for a book on the actual incident.
Some incidents could be used as case studies with groups such as Scouts. The first questions you could ask for almost every event cited in this book are "What basic rule(s) for safety were broken or ignored?" Once broken, what could have been done to lessen injury or prevent death?" The authors do an excellent job of presenting answers to these questions including the Park Service's response after tragedy with appropriate signs etc. yet acknowledging that there is no substitute for common sense.
While not a book for everyone it can be a great read for those who relish reality and its consequences.
Stu Brandel - Feb 4, 2009 9:19 pm - Voted 5/5
Should be Required Reading...
...for any hiker. It gets one's attention on how easy it is to die through stupidity.
Additions & Corrections (0)
Attach Existing
Free-Heel Skiing: Telemark and Parallel Techniques for All Conditions
Enter the Forest: A Guide to the Angeles National Forest
Winter Climbs in the Cairngorms
Hiking New Mexico
Halfway to Heaven
BackPacker Winter Hiking & Camping
High Altitude Leadership
The Mammoth book of the edge
City of Rocks Idaho: A Climbers Guide
Scotland's Mountain Ridges
Le più belle Montagne e le più famose scalate - by Reinhold Messner
View from the Summit
Climbers' Guide to the Great Falls of the Potomac
In the Zone: Epic Survival Stories from the Mountaineering World
Rock Climbing: Mastering Basic Skills
The Mont Blanc Range
Climbing without frontiers
Hiking and Exploring Utah's San Rafael Swell
Kilimanjaro: The Trekking Guide to Africa's Highest Mountain
Hiking Wyoming's Medicine Bow National Forest
Glacier Travel & Crevasse Rescue
Pembroke Volume 1: Pembroke North
Circuit Hikes in Shenandoah National Park
Boulder Canyon Rock Climbs by Bob D'Antonio
Climbing Mt. Shasta
Where the Mountain Casts Its Shadow, The Dark Side of Extreme Adventure
The Climb: Tragic Ambitions on Everest
Orthogonal Adventures
Current Time: 12:16 pm
"Here's the minority vote." --Bill The Butcher


Brought this for my daughter for Christmas and she loves it, great selection of colours and comes with a normal brush and a water brush.
These watercolour paints are superb! Bought them for my granddaughter, but I'm going to have difficulty staying away from them myself.. Brilliant value.. Will be back..
Soooo I ordered for my daughter at first, she couldn't stop painting! And one night while she was sleeping, I had some me time and felt like painting too. Guess what I used?? They were fantabulous! The extra water brush pen makes it so much easier! I wanna buy myself a kit now! Maybe I will!
Many colors, my toddler goes nuts!


The Metropolitan met with President Ginny Arthur on Jan. 16 for an hourlong conversation. The Minnesota Legislature reconvenes on Feb. 20, and Arthur shared her thoughts on how funding for Metro State might fare. She also discussed Minnesota State's tentative contract settlement with faculty, Metro State's relationship with the city of St. Paul, and her presidential priorities for 2018. This is the third in a monthly series of interviews.
What will Metro State—as part of the Minnesota State Colleges and Universities system—ask the Legislature to fund this year?
We usually make a biennial budget request. This year the biennium was running from July 1, 2017 to June 30, 2019. The way it works is that the Board [of Trustees of Minnesota State] develops the request and looks at it from a whole system point of view. Each campus says here are some things we would do. For Metro State, I said we could use some more advisors and faculty in growing areas.
They put all of that together and come up with that big number. But when we get awarded the appropriation from the Legislature, then the system has a formula that they use to allocate that money out to campuses.
This allocation formula had never been changed since the founding of the system [in 1995]. Three or four years ago, there was a work group in the system to look at the formula. Two changes that were made were particularly beneficial to Metropolitan State. In the past, the primary mechanism for distributing the allocation out to campuses was full year equivalent [FYE].
I would make the argument that because our students are mostly part-time, it takes almost two students to make a FYE. And yet we don't advise a "half student." We advise a whole person.
Metro State, along with some of the community colleges, had really been disadvantaged in the past because our costs were higher. We're still going to advise students and provide student services and yet in the formula we only got so much. When we redesigned the allocation formula, we accounted for student services by headcount instead of FYE.
Did Metro State have a representative on that work group?
Yes, I represented Metro State on it when I was Provost. We also over weighted to account for students of color, first generation college students, and students who are PELL-eligible. When you look at our Metro State student population, two-thirds fall into those categories. So that gave us more money in the allocation.
How did you develop Metro State's portion of the budget request and select your priorities?
Normally we wouldn't have a request [in the second year of the biennium], but Minnesota State is doing a supplemental request. It's for the difference between $143 million [the 2017 request] and $133 million [the enacted budget], so $10 million. At the same time, Minnesota State had requested $25 million for the biennium for upgrading ISRS [Integrated Statewide Record System; used for financial, student and academic records]. The amount was supposed to be matched by the system office and all the campuses also contributing $25 million. But we only got $4 million from the Legislature in 2017.
The faculty bargaining units and the student associations said this was insufficient. So now Minnesota State is asking for full funding for the ISRS project. That would be $21 million, and then in addition, the $10 million for the campuses. It's very complicated how this all works!
So our Metro State team didn't sit down and add up millions in requests. We have to fund salary increases that get approved. We have higher costs for heating to take into account. Then our priorities—if we happen to get money that isn't already accounted for— are to improve student services and offer greater support, counseling, tutoring and advising.
And are those the priorities because that's where you see a return on investment?
That's exactly it. We are trying to figure out what services would make a difference for students. A lot of schools have an "early alert system" so that if a student shows some signs of difficulty early in the semester, that's the time for a faculty member or advisor to reach out and see how they can help. We want a system that's more automated.
If we had money, we could add admission counselors and advisers to help students make the transfer from two-year colleges. We think that will result in increased enrollment. We are losing about 30 percent of students from fall to spring semester. And we have data that shows us that the longer a student takes a break from classes, the less likely it is that they'll come back.
We have devoted some money to $500 scholarships for new transfer students from community colleges. It's another time when students drop out of the pipeline toward their bachelor's degree. They get their associate degree and they think they'll work for year before transferring, and then the inertia principle takes effect.
As a university president, how involved are you with legislative lobbying?
It's a fine line that we have to walk. There's a legislative staff at the [Minnesota State Colleges and Universities] system office. We are expected to be supportive of that system-wide agenda and not have too many individual campus requests. When we were looking to get bonding money for the Science Center, then I was expected to reach out to legislators and invite them to campus and to share the advantages of the project. But we wouldn't be doing that unless the our project was part of the system's agenda.
Last legislative session, we got funding to refurbish the campus greenhouse, as the new GROW-IT Center. We kept the system office fully informed. We were very successful, but it's because we went through the Commissioner of Agriculture to get it into the ag bill. They have a foundation at the Department of Agriculture that makes grants to projects that promote agriculture. That worked well because there was nobody in the Higher Ed committees objecting. It flowed separately through the Department of Agriculture.
Right now we have a lot of interest in growing our programs in cyber security. A couple of legislators have said they might sponsor a bill to fund a cyber security center at Metro State. Well, again, that's a very delicate dance. We have to let the system office know about it. If it fits in the individual initiative of a legislator, that's better. Because we can't control legislators, and if they think it's a neat idea and they want to do it here, they can move it forward.
I do get involved when the system asks us to reach out to our local legislators. And Metro State and St. Paul College are leaned on the heaviest because we can see the Capitol from our campuses. They'll want a president to attend a hearing or drop in to see a legislator on the Higher Ed committees. I consider myself "on call" during legislative session.
The Inter Faculty Organization (IFO) and Minnesota State recently reached a tentative contract settlement. If it's ratified, what impact will it make on Metro State's budget?
Now that they came to an agreement, it has to go to the subcommittee on employee relations. They review all the contracts and then they take a vote whether it should go to the full House and Senate for approval. Normally, it's kind of a pro forma thing. They approve it, it moves forward.
But this year, AFSCME and MAPE [other state employee unions] settled early, back in September. The subcommittee met and rejected the settlements. So now those settlements will go to the full Legislature when the session opens.
If the Legislature rejects the faculty contract settlement, they could say "you don't need this extra money, because your costs aren't going up." That makes it difficult to work on our budget for next year. It's a short legislative session [Feb. 20 to May 21]. So I guess we'll know in April whether we will have any additional money, and any additional costs. All of this falls into the political realm. That makes it more difficult to predict.
The state budget forecast that came out in December is not very good. We went from a forecast of about a $1.5 billion surplus to having a deficit. [The lapsed federal Children's Health Insurance Program (CHIP) accounted for $178 million of the $188 million projected deficit. A February budget forecast will reflect the recent reauthorization of CHIP.] The next biennium gets worse. There's a lot of uncertainty about tax legislation and whether we can sustain the economic recovery that we have. It's really uncertain what will happen.
You recently served on St. Paul Mayor Melvin Carter's community hiring panels that made recommendations on the selection of department heads. Can you tell us about that experience?
It was a great experience. I was very happy that I got to participate. I was on the panel for the city's chief technology officer. In the first round, our group looked at resumes, cover letters, and supplemental materials. They were all de-identified, so we didn't know who was who. I was an advocate for one application—which maybe some other people would've dismissed—and that person got through to the interview stage. I was an advocate for her after the interview too, and she's the person Mayor Carter chose. I feel like I made an impact.
I thought it was a good process. Maybe it made HR people nervous, but it worked well. It was a rigorous review. In the initial applications, there were 50 or 60 people who applied. We reviewed 35 paper applications after HR sorted out those who met the minimum requirements.
We chose seven people to interview. We had a set of questions we asked them. Mayor Carter's commitment to openness and transparency and to achieving greater equity in the distribution of department head positions was something we kept in mind as we reviewed applications. We asked the candidates about their plans to promote racial equity if they were hired. The candidates had to have their technical ability, but also a commitment to the mayoral priorities.
The HR director called around the country to ask other major cities if they had ever done hiring like this. And this seems to be a unique process. I think it very much demonstrates the mayor's taking action and showing commitment to his values. I was honored to be asked to participate in it.
How would you characterize Metro State's relationship with the City of St. Paul? What does the university need from the city—and vice versa?
Education is a major factor in St. Paul because there are so many colleges located here. St. Paul College and Metro State, because we're public institutions, also have a particular affinity to supporting the city's agenda.
One of the big focuses for the Carter administration, and carrying over from the Coleman administration, is how do we get more people employed in the city? We've improved the residential quality, added a ballpark and a soccer stadium, and renovated the Palace Theatre and all that. Now how do we make sure there are jobs?
Metropolitan State, in partnership with St. Paul College, educates a lot of individuals who are already located here in St. Paul and want to advance their career to the next level. Many of them come from communities that are otherwise underserved in higher education. We can partner and play a key role with the city in that.
I haven't asked for a meeting yet with Mayor Carter, because everyone wants to get on his calendar and talk about their agenda. In the spring I would like to have a meeting with him. I've reached out by sending a congratulatory letter and saying Metro State wants to be a partner.
There's also this very interesting issue over right-of-way assessments, which the courts recently overturned. The question is how do nonprofits and tax exempt properties—of which there are so many in the city—contribute to some of the costs of city services? We are already paying for things like snow removal.
There was a recently a Citizens League panel studying the issue, that Greg Mellas [Director of Metro State 's Institute for Community Engagement and Scholarship (ICES)] participated in. It's a really tricky issue because of the voluntary nature of the payments. But we are a very community-engaged university.
It's a new year. What are your top presidential priorities for 2018?
We are going to focus on three things. First, enrollment growth. Because we are not expecting more money from the Legislature necessarily. So to maintain our services, we have to grow. We look at the situation in the Twin Cities, and we need to grow so that there are more people getting bachelor's and master's degrees to maintain the workforce.
We have to adjust our enrollment thinking. The long-term goal for the system is to increase the number of bachelor's degree that are conferred, and Metro State has to be a big part of the solution to that. We need to grown enrollment two to three percent.
In the past we have had an academic plan for what programs we will grow, what location will we target. We pretty much fulfilled that. So now I want to support the Provost [Amy Gort] in doing the next four to five year plan. She's been gathering the data. In the upcoming year, I hope we will get that plan in place. We'll have the numerical target plus the strategies and tactics underneath that.
This won't sound very exciting at all, but we need to improve the collection and analysis of data. It's really important. My hypothesis is that students are not being retained [at Metro State] or not enrolling from the community colleges because the unemployment rate is so healthy right now. But that's a hypothesis; I don't have any survey data right now.
We don't have a lot of strong data to show us if students who use the tutoring center are more successful. So getting a more disciplined approach to data collection and analysis will help us make the right decisions on how to help students. I want to tackle that this year.
And then it's about working to raise the profile of the university in the community. With our potential students, with funders, with business partners. Too many people—though it's getting fewer—say "Metro State? I don't really know anything about it." So that's going to be a focus for me.
We are going to start an organized fundraising campaign. We haven't ever done that Metro State. Now we have an experienced Vice President for University Advancement [Rita Dibble], that's something she's working on. It means going to community events, seeking out opportunities to talk about the university in various settings. As employers get to know our graduates, that sets up a cycle. They'll know our students make great employees and they'll hire more.


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