text:
A scandal wouldn't be a scandal if it didn't rock a market segment right off its foundation and lead to fundamental changes that would be felt for years, but some scandals in the corporate world are bigger than others. In fact, some of them can alter the shape of how business is done for generations or more. Some change the way the world works forever!
Here are 5 corporate scandals that had long-term effects on the business world.
The South Sea Company Bubble of 1720
Corporate scandals have been around for a long time, as the South Sea Bubble of 1720 shows. In fact, the South Sea Company collapse serves as a prototype for almost every corporate scandal that ever came after it. It had insider trading, bribery, corruption, fraud, smuggling of illicit goods, you name it.
The South Sea Company was conceived initially as a vehicle for consolidating and servicing the national debt of the United Kingdom. As part of the scheme, it was awarded a royal monopoly on trade with South America… a continent controlled at the time by mortal enemy Spain.
Despite this lack of potential trading partner, the company advertised itself as the greatest thing since imported tea (a trade that had flooded the coffers of its predecessor, the East India Company, to vast amounts of wealth). Politicians and the public alike scarfed up shares, in some cases borrowing the money to buy more shares using previous tranches as security. Everyone wanted a piece of the action.
Only there was no action—a disgusting sideshow in slave smuggling brought in some money, but nothing compared to the skyrocketing share price. The vast amounts started to encourage other startups with similarly vague value propositions… one famously promised investors that it was "…a company for carrying out an undertaking of great advantage, but nobody to know what it is."
As payments on the subscribed shares came due, however, the fact that there was nothing behind them became clear. The entire economy of the United Kingdom collapsed.
Unfortunately, this is a bubble no one learned from—economies have gone on to build, pop, and suffer from them since, perhaps revealing more about human nature than the business world.
The Teapot Dome Scandal in the 1920s
The Teapot Dome Scandal in the early 1920s had it all: corruption, bribery, business malfeasance, national security concerns, and impacts rising to the highest levels of government.
And it all started with a pile of rocks in Wyoming that looked a little bit like a teapot.
The rock formation sat on top of a pocket of oil, discovered right around the time that the U.S. Navy was busy modernizing ships to burn oil instead of coal. In the interests of national security, the Navy Department was granted control of several prospective oil fields to provide strategic reserves.
But Interior Secretary Albert Fall had other ideas, convincing President Harding to transfer the fields to his control. It wasn't an innocent move; Fall had been bribed by executives at Sinclair Oil and Pan American Petroleum to grant them leases to drill the field on very favorable terms, which he promptly did.
Unfortunately for Fall, he wasn't very good at concealing his newfound wealth. Congress investigated and uncovered the scheme. In a case that reached the Supreme Court, Fall became the first former Cabinet official ever jailed for actions in office for accepting the bribes. Harry Sinclair was jailed for contempt of court, but no other oil company executive was convicted. Instead, the leases were invalidated and returned to the Navy. It wasn't until 1976 that another drill touched the Teapot Dome field.
The long-term effects of Teapot Dome on the business world have arguably been beneficial. A more intense level of scrutiny over bribery and backroom deals resulted from the case, including increased Congressional oversight and the power of Congress to compel testimony. Harding died in office before the case came to trial, but many historians believe it would have led to his impeachment (despite his lack of direct involvement), which has been a cautionary tale to subsequent administrations.
The Bernie Madoff Ponzi Scheme
Bernie Madoff's elaborate Ponzi scheme lasted for nearly twenty years, which is a mad sort of success all by itself. Under the guise of managing investments, largely of charitable institutions and wealthy individuals, Madoff kept the shell game going longer than anyone could have imagined before it all fell down.
One of the most disconcerting things about the Madoff scandal was that Bernie was seen as one of the masters of Wall Street. A self-made guy who had started as a penny-stock trader and become the biggest market maker on NASDAQ over the course of more the forty years, it seemed beyond possible that he would be running a scam.
That's because it was a smart scam—Madoff didn't get greedy. Although he was paying off early investors with the money of subsequent investors, his claimed returns were roughly half of what he was actually bringing in, allowing him to keep the shell game going for more than twenty years before running out of cash.
There were suspicions about the consistency of his returns—which no one could replicate with public market data—but the apparent stability and liquidity of his fund ensured no one paid attention to the naysayers.
But the Great Recession finally called Bernie's bluff… no one was making new investments as the market cratered.
The resulting calamity shut down a number of companies and charitable foundations who suddenly found their investments frozen or evaporated. Individuals as varied as Steven Spielberg and Sandy Koufax lost substantial amounts. Four different individuals either associated with or affected by the fraud committed suicide, including Madoff's eldest son.
More than 19 individuals or associated firms were investigated as a result of Madoff's collapse. Madoff himself was found guilty and sentenced to 150 years in prison. Only a fraction of the missing $64 billion is expected to ever be recovered. Penalties for firms that invested with Madoff without vetting his organization, including a large number of charitable foundations, are expected to reach $1 billion.
The outcome resulted in intense scrutiny of both money managers and the Securities and Exchange Commission, which at several points nearly uncovered the scam before dropping investigations.
Enron was an American energy company that was looking to change the face of energy management in the United States, creating markets around the sale of electricity and natural gas. As a market leader, the company's stock price shot through the roof.
But some of the numbers supporting those prices were cooked—Chairman Ken Lay and CEO Jeff Skilling shuffled financing structures and debt around to artificially inflate the company's revenues.
Analysts grew suspicious and the executives became defensive. Skilling sold off $33 million in shares and then resigned as the stock price faltered under continuing examination. By the end of 2001, the company was bankrupt, and those executives and others were on trial. Twenty-one people were found guilty and sentenced for the coverup.
The scandal also resulted in a major sub-scandal, when respected accounting consultancy Arthur Andersen was convicted of shredding evidence for their client during the course of the investigation. Although the conviction was reversed on appeal, the company's position as an unbiased auditor was so called into question that it surrendered its accounting licenses and effectively ceased independent operation.
The Enron scandal reshaped the corporate accounting environment in the United States by leading to the Sarbanes-Oxley Act of 2002. Much more stringent requirements for reporting and responsibility of public companies and accounting firms, including criminal penalties for boards of directors, have substantially altered the business landscape.
The Subprime Mortgage Scandal of 2007
The one that is fresh in everyone's mind is the scandal that came most recently. It's also one of the biggest, with the longest-lasting effects. Some may play out over generations and the ultimate outcomes still aren't clear today.
The scandal also had complex causes, but the immediate issues were rising levels of subprime lending and the resulting increase in speculative housing investments. Financial industry deregulation and legal supports for low-income homebuyers fueled the bubble.
The outcome, however, was direct enough for businesses and individuals alike: a recession deeper and longer than any since the Great Depression. Six percent of the American workforce lost their job; estimates indicate that around 40 percent of 2007 GDP output was lost and the stock market dropped by 50 percent.
The market didn't recover to pre-recession levels until 2013, but the long-term effects of the crisis in the business world will last longer. The most immediate and obvious effect was the tightening of credit—loans, once easy and almost automatic, dried up, as did investment as a whole. A 2015 paper from Harvard found a so-called investment hangover effect from the recession, where a generation of individual investors are skeptical of putting their money into the market. Sixty percent of millennials distrust financial markets.
At the same time, they are also facing inordinately high costs for higher education as scholarship funds were wiped out and universities were forced to raise tuition rates. Although more people go back to school in a recession, they come out saddled with more debt—forced to take jobs rather than risks, this can further the retrenchment of big business instead of innovative startups in the U.S. economy. Their retirement investing will also be curtailed during important years, which will likely mean an older workforce in the future since they will be unable to retire early.
Other effects are more insidious. The heavy involvement of the government in bailing out financial institutions may have twin effects on the business environment:
So-called "too big to fail" businesses may continue to conduct risky operations with the assurance they will be rescued with public money if they should fail.
There are new and powerful movements calling for more government control and regulation of business generally to prevent future bailouts, notably the new Consumer Finance Protection Bureau.
These perspectives will color the business environment for at least a generation.


text:
Polypedates cruciger es una especie de anfibios que habita en Sri Lanka.

Referencias

Enlaces externos

cruciger
Anfibios de Sri Lanka
Taxones descritos por Edward Blyth
Animales descritos en 1852

redpajama_set_name: RedPajamaWikipedia


(1) The Need for Disclosure, Generally. One of the fundamental principles of the Endorsement Guides is that any material connection between the endorser and the advertiser that would affect how people evaluate the endorsement and would not be reasonably expected by the audience must be disclosed. As the FTC notes, "[u]nder the law, an act or practice is deceptive if it misleads 'a significant minority' of consumers." So, even if a majority of the audience would understand the connection between endorser and advertiser without a disclosure, if a significant minority of the audience would not, a disclosure is required in order to avoid deception.
(2) Space Limitations on Disclosure. The fact that Twitter and other media may severely limit the amount of content that can be communicated does not alleviate the need to "get [people] the information they need to evaluate sponsored elements." Per the FTC, "[t]he words 'Sponsored' or 'Promotion' use only 9 characters. 'Paid ad' only uses 7 characters. Starting a Tweet with 'Ad:' or '#ad' - which takes only 3 characters - would likely be effective."
(4) Celebrity Spokespersons Paid to Discuss a Product. Two related FAQs explore issues with celebrity spokespersons and other celebrities being paid to discuss a product online. In one hypothetical, a famous athlete is a well-known spokesperson for a particular product. In the other, a famous celebrity is commonly known by "many people" to regularly charge advertisers for mentioning their products in her tweets. In each case, the celebrity has a large Twitter following and the question is whether he/she needs to disclose his relationship with the advertiser each time (s)he tweets about the applicable product. According to the FTC, it depends on whether the celebrity endorser's Twitter followers understand that the celebrity is a paid endorser. "If they know he's a paid endorser, no disclosure is needed. But if a significant portion of his followers don't know that, the relationship should be disclosed." The FTC cautions that making such a determination "could be tricky in many cases" and recommends disclosure.
(5) Product placement. First and foremost, the FTC notes that the Federal Communications Commission requires TV stations to disclose product placements in TV shows. For its own part, the FTC treats issues of product placement on a continuum of sorts. Pure product placement (which is, per the FTC "merely showing products or brands in third-party entertainment or news content - as distinguished from sponsored content or disguised commercials") requires no disclosure that the placement was paid for by the advertiser. On the opposite end of the continuum, if talent in the film or television show in which the product is placed makes it obvious in context that the placement is an advertisement, a disclosure is probably not required as the audience understands what is happening. The FTC uses the example of old-time television shows in which talent would momentarily step out of character and onto a different set in order to perform a commercial.
However, where talent in a television show or film expresses opinions on a product and has been paid by the advertiser to do so, a disclosure is necessary where the endorsement wouldn't be expected by the audience and would affect the weight given by the audience to the endorsement. As an example, the FAQs describe a talk-show host who plays a video game as part of a televised segment and remarks "wow, this is awesome." If the host (or the show, network, etc.) has been paid for that endorsement, the connection must be disclosed.
(6) Online Reviews. The revised FAQs also contain useful guidance for those advertisers operating a retail website that offers users the opportunity to leave product reviews. If there is a material connection between the company and the reviewer, the review should be disclosed. The FAQ specifically contemplates a program through which the advertiser distributes free products and asks that they write a review. The lesson, however, extends to other potential connections between advertiser and reviewer, such as structuring a promotion that awards entry based on writing product review.
(7) User Video Endorsements & Placement of Disclosure. A significant number of FAQs address how and where disclosure should be made in certain situations. At a very high level, the FTC's advice often centers on the same general point: disclosures that are removed from and not integral to the endorsement itself (e.g., disclosures in a user's profile page or in a single blog post, divorced from later posts that also contain endorsements) are unlikely to be effective.
Particularly interesting in the revised FAQ is the discussion of how disclosures should be made where the endorsement at issue takes the form of a user-created video posted to YouTube or a similar hosting service. The FTC states unequivocally that including the disclosure in the written "Description" field would not alone be effective as "[m]any people might watch the video without even seeing the description page, and those who do might not read the disclosure." Per the FTC, "[t]he disclosure has the most chance of being effective if it is made clearly and prominently in the video itself." Other FAQs indicate that a single disclosure should be included at the beginning of the video, rather than the end, but that having multiple, recurring disclosures during the video "would be even better." Finally, the FTC notes that, for something like a live-streamed video, multiple, periodic disclosures would be necessary (as a user could "easily miss a disclosure at the beginning of the stream or at any other single point in the stream") and that a continuous disclosure throughout the stream would be the most cautious tack.
We realize that some platforms – like Facebook's "like" buttons – don't allow you to make a disclosure. Advertisers shouldn't encourage endorsements using features that don't allow for clear and conspicuous disclosures. However, we don't know at this time how much stock social network users put into "likes" when deciding to patronize a business, so the failure to disclose that the people giving "likes" received an incentive might not be a problem.
An advertiser buying fake "likes" is very different from an advertiser offering incentives for "likes" from actual consumers. If "likes" are from non-existent people or people who have no experience using the product or service, they are clearly deceptive, and both the purchaser and the seller of the fake "likes" could face enforcement action.
Again, these are just a few highlights. The complete revised FAQs are too substantial to be adequately summarized here. However, if you are operating in this space, the revised FAQ are a worthwhile read.


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text:
import { Component, OnInit, HostListener, OnDestroy } from '@angular/core';
import { Router, NavigationStart } from '@angular/router';
import { Subscription } from 'rxjs';

import { FormsValidatorService } from 'app/shared/services/forms/forms-validator.service';
import { MessageModal } from './models/message-modal';

import { GeneralModalService } from './services/general-modal/general-modal.service';
import { RequestInProgressService } from './services/requestInProgress/request-in-progress.service';
import { OrientationService } from './services/orientation/orientation.service';
import { SelectedRouteService } from './services/selected-route/selected-route';
import { UploadService } from './shared/services/upload/upload.service';

@Component({
  selector: 'taskana-root',
  templateUrl: './app.component.html',
  styleUrls: ['./app.component.scss']
})
export class AppComponent implements OnInit, OnDestroy {
  workbasketsRoute = true;

  modalMessage = '';
  modalTitle = '';
  modalType;
  selectedRoute = '';

  requestInProgress = false;
  currentProgressValue = 0;

  modalSubscription: Subscription;
  requestInProgressSubscription: Subscription;
  selectedRouteSubscription: Subscription;
  routerSubscription: Subscription;
  uploadingFileSubscription: Subscription;

  @HostListener('window:resize', ['$event'])
  onResize(event) {
    this.orientationService.onResize();
  }

  constructor(
    private router: Router,
    private generalModalService: GeneralModalService,
    private requestInProgressService: RequestInProgressService,
    private orientationService: OrientationService,
    private selectedRouteService: SelectedRouteService,
    private formsValidatorService: FormsValidatorService,
    public uploadService: UploadService
  ) {
  }

  ngOnInit() {
    this.routerSubscription = this.router.events.subscribe(event => {
      if (event instanceof NavigationStart) {
        this.selectedRouteService.selectRoute(event);
        this.formsValidatorService.formSubmitAttempt = false;
      }
    });

    this.modalSubscription = this.generalModalService.getMessage().subscribe((messageModal: MessageModal) => {
      if (typeof messageModal.message === 'string') {
        this.modalMessage = messageModal.message;
      } else if (messageModal.message.error instanceof ProgressEvent) {
        this.modalMessage = messageModal.message.message;
      } else {
        this.modalMessage = messageModal.message.error
          ? (`${messageModal.message.error.error} ${messageModal.message.error.message}`)
          : messageModal.message.message;
      }
      this.modalTitle = messageModal.title;
      this.modalType = messageModal.type;
    });

    this.requestInProgressSubscription = this.requestInProgressService.getRequestInProgress().subscribe((value: boolean) => {
      this.requestInProgress = value;
    });

    this.selectedRouteSubscription = this.selectedRouteService.getSelectedRoute().subscribe((value: string) => {
      if (value.indexOf('classifications') !== -1) {
        this.workbasketsRoute = false;
      }
      this.selectedRoute = value;
    });
    this.uploadingFileSubscription = this.uploadService.getCurrentProgressValue().subscribe(value => {
      this.currentProgressValue = value;
    });
  }

  ngOnDestroy() {
    if (this.routerSubscription) { this.routerSubscription.unsubscribe(); }
    if (this.modalSubscription) { this.modalSubscription.unsubscribe(); }
    if (this.requestInProgressSubscription) { this.requestInProgressSubscription.unsubscribe(); }
    if (this.selectedRouteSubscription) { this.selectedRouteSubscription.unsubscribe(); }
    if (this.uploadingFileSubscription) { this.uploadingFileSubscription.unsubscribe(); }
  }
}

redpajama_set_name: RedPajamaGithub


text:
Tourist mobile phone app, which includes 2000 sites, upgraded by the County Council
Medio AmbienteBuscar en malaga.es
Inicio Medio AmbienteNoticias
Campañas informativas
Costa del Sol app in four languages supplies with resources of 103 towns in the province
Pantalla inicial App
Pantalla navegación contenidos bis
Pantalla Turismo Activo. Empresas
Pantalla Empresas Turismo Activo
Pantalla Turismo Activo. Enlace a empresas en web
Pantalla Turismo Activo. Actividades
Pantalla Turismo Activo. Recursos
The County Council of Málaga has upgraded the tourist app called 'Costa del Sol Málaga', which can be downloaded four languages (Spanish, English, French and German). The new version includes some new projects launched by the County Council such as the Great Málaga Path, El Caminito del Rey Path , Coastal Path or 'Bosque de Cobre' (the Copper Forest).
Environment and Territory Promotion Representative for the Málaga County Council marina Bravo explained that this is the second version of the app launched in 2013, which was developed thanks to the effort of several departments of the County Council like Town Planning and Computer Department, and coordinated by the Environmental and Territory Promotion Department.
Moreover, Ms Bravo underlined the support obtained by the town councils in the process of improvement of the tourist experience, by promoting more than 2000 Geographic locations in the province. These sites were uploaded on the app so the browsing would be faster.
They are also included on the County Council web pages, where you can find more updated information about the towns,
Furthermore, there is information about 103 towns in the province which can be downloaded for free on Smartphones and tablets with Google's Android or Apple's iOS operating systems through Google Play and iTunes. The app is also available at the following web site: www.malaga.es/turismo.
There are also tools and videos, as well as guides, history data and links to social networks such as Twitter and Facebook, where you can share data about the Costa del Sol with the rest of the world in real time.
From now on, our challenge is to improve the data supply with new videos, photos and tourist resources, above all, those which are related to trendy locations such as wine cellars or countryside (routes, hiking, climbing, mountain biking, plants and animals). The data base is continuously updated as the application uploads last data available when it is opened.
News regarding the Tourist Supply
Marina Bravo said that the app is useful not only for tourists but also for local people, as it has practical information besides being a kind of guidebook. For example, there is information about all the beaches in the province, as well as marinas, water parks or attractions, as well as places in the towns or in the countryside with dramatic views of each of the villages and towns or landscapes.
This is why it has been important to supply tourists with multimedia files so they could actually see places and decide which to visit.
The app also has a section dedicated to some basic services such as health care and public safety. In the first place, there are locations of health centres, hospitals and emergency services in the province, while in the second one, you can see the locations of the headquarters of the Spanish police force.
Next Improvements
The plan is to include information about Unique Festivities of Tourist Interest in the County of Málaga (there are 79 at the moment) and the WiFi points in the towns.
Marina Bravo also said that the hiking, cycling and climbing routes as well as Via Ferratas are going to have key role in the Costa del Sol Málaga App as it has been upgraded on regular bases.
Málaga is the first province in Spain which supplies with this kind of tourist service by covering its entire territory with 103 towns split in nine areas (7,306 km). The County Council had to gather data about tourist, historical, cultural, natural, and administrative resources in the province in order to achieve such aim. Moreover, the computer service has prepared a data base and servers that can provide users with real-time download through streaming.
turismo de interior
caminito del rey
senda litoral
gran senda de málaga
bosque de cobre
La Diputación actualiza su aplicación turística para móviles, que incluye más de 2.000 puntos de interés
5 Febrero
La Diputación incrementará la promoción del Bosque de Cobre con la señalización de 19 senderos
Archidona y Carratraca incrementan la oferta de albergues ligados a la Gran Senda
Buenas prácticas ambientales en el entorno de trabajo
Contra el abandono de los animales. UVI24
Conoce si hay medusas en el litoral malagueño
Evita el vertido de toallitas por el inodoro
Protección de los camaleones
Un millón de árboles

redpajama_set_name: RedPajamaCommonCrawl


The state of the economy is increasingly being considered a crucial element in elections as voters now tend to give greater priority to ground realities of price rise and job opportunities, though caste and regional considerations continue to remain important. The situation of course differs from state to state.
The people of Gujarat, for instance, seem to have forgiven and forgotten the role of Chief Minister Narendra Modi in the communal riots of the past and given him a vote of confidence for having speeded up economic development and improved infrastructure in the state.
In contrast is Uttar Pradesh where the social engineering of Chief Minister Mayawati apparently reigns supreme as caste and religion continue to remain predominant factors in elections. No doubt the approach of the electorate to their political leaders reflects on the overall development of different states with Gujarat way ahead as far as most economic indicators are concerned while Uttar Pradesh is one of the worst performing states in the country on most counts.
However, even with such yawning differences between the perceptions of the electorates in different states, basic economic issues such as price rise and jobs have always played a key role in elections. In one famous instance, the soaring prices of onions brought down a government.
It is no wonder therefore that Madhya Pradesh Chief Minister Shivraj Chauhan is not interested in espousing Hindutva as an election issue and instead has sought to highlight his developmental work to promote the cause of the Bharatiya Janata Party (BJP) in the state. One must also recall the scramble among state governments to bag the Nano project.
So the report card of the economy is increasingly becoming critical during general elections. And the judgement of the electorate on this score is going to be vital for the ruling United Progressive Alliance (UPA) as well as the opposition National Democratic Alliance (NDA) and the rising Third Front.
Even Mayawati has become aware of the need to ensure that there is a significant improvement in the economic well-being of the people. Despite her focus on the much-vaunted social engineering to harness the energies of both Dalits and Brahmins, she is reported to have chalked out a systematic plan to ensure development of infrastructure. And bureaucrats have been directed to implement time bound programmes of development.
Whether these plans have actually been successful or not is a moot point. But the fact is that during this tenure as chief minister, Mayawati has not been unmindful of the need to bring about a tangible change in the quality of life rather than merely relying on caste-based support. This is diametrically different from the route adopted by Railway Minister Lalu Prasad when he was Bihar chief minister, as his focus was more on caste considerations than on trying to pull the state out of its economic backwardness.
In contrast, the present Bihar Chief Minister Nitish Kumar has recognized the need for trying to bring the fruits of economic progress to the most backward areas of the state and his recent tour of all districts was an effort to publicize the drive towards economic development.
Another aspect of this realization by political leaders is the anxiety to try and woo large industrial projects to enhance job opportunities. The story of the Nano project is well known but even for other ventures there has been stiff competition. Maharashtra, for example, used to be the state of choice for most investors at one point of time.
This is no longer the case with the southern states having vied successfully for major plants. It is for this reason that the giant Hyundai plant is in Tamil Nadu though its major market is in North India.
One of the main aims of West Bengal's Chief Minister Buddhadeb Bhattacharjee has been to revive the state's former glory as a bastion of industrialization and economic progress. The failure of the Nano project to take off in Singur came as a major blow to these aspirations.
So while political commentators try to work out the caste configurations of each Lok Sabha seat, it is clear that voting patterns will be different in regions where economic development has made inroads.
For instance, the continuing farmers suicides in Andhra Pradesh and Vidarbha will make life very difficult for incumbent political leaders. On the other hand, in Gujarat where Narendra Modi is reported to have brought about a sea-change in the developmental process, especially in regard to wiping out corruption, the people are expected to once again vote overwhelmingly in favor of the BJP.
As general elections are round the corner, every economic indicator released on a routine basis is being watched with a hawk's eye by both the ruling coalition and parties in the opposition.
This includes the latest data on declining industrial output and the fall in inflation numbers. The first set of figures showing a dip in industrial output during December are bound to be worrying for the incumbent government since this is an indicator that several stimulus packages have not kicked in to give much-needed pep to the economy.
From the point of view of opposition parties, the industrial output data indicates that the economic gloom is not only continuing but that the blame for it can be squarely laid at the door of the UPA government.
On the other hand, the decline of the wholesale price index brings cheer not only to the ruling coalition but to the common man as it signals a fall in prices of essential commodities. Inflation has reached a seven-year low at 2.3 percent.
Retail prices at the consumer level tend to remain much higher than the wholesale price index, but even so there will be some relief for the man (or woman) in the street. For the opposition this is bad news as the price situation is always a key factor with voters while judging the performance of an incumbent government.
The economy may not always be the clinching factor for voters as they go to the ballot booths, but it is certainly playing a much larger role than before.
Plus, it is possible that young voters who are constituting an increasingly large segment of the electorate, will look more for a perceptible improvement in the quality of life rather than going by the old, traditional parameters while voting.


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Items in Stock- Ships 3-7 business days.
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Esther Nagle is a yoga teacher and writer from South Wales. A single mother, she is happiest when on top of a mountain or on a beautiful coastline. Esther is passionate about the benefits of walking and Yoga for mental health, and loves to combine the two whenever possible. Esther has written about her journey from addiction to recovery through Yoga in her book, Bent Back into Shape, Beating Addiction Through Yoga, and has appeared in many publications, including The Prosperity Kitchen Podcast, where she talked about the benefits of walking and shared a 'walking relaxation'.
As I gazed out at the stunning view from the top of the mountain, I couldn't help but feel profound gratitude to my brother. It was down to him that I was able to discover that walking offered more joy than simply being a way to get to and from the pub without risking my driving licence.
Thanks to him, I now spent my Saturday afternoons with my backpack and walking boots on, meeting all sorts of interesting people, seeing sights I had only ever seen in photographs before, and challenging my ideas of what was possible and what was fun.
Unfortunately, I was unable to share that gratitude with my brother. He died quite unexpectedly in 2005, leaving a pain in me that I didn't really know what to do with. He was just under two years younger than me, and the only one of my 3 brothers that I have no memory of meeting for the first time – he was just always there. We argued a lot growing up, of course. It was a typical sibling relationship, we would fight for each other and tear each other to shreds within minutes of each other. We were very different, and I used to find it funny to think that if we weren't brother and sister, we would be unlikely to really know each other, and certainly wouldn't have liked one another. And yet there was a strong bond and a great love between us.
When he died, my grief collided with my years of addiction and undiagnosed or unnoticed depression, and I didn't know what to do. I might not have been able to acknowledge that I had an addiction, but I was well aware that my excessive drinking, smoking and drug use meant that if either of us should have died young, it would have been more likely to be me, not my strong, healthy, fit and active brother. My idea of good exercise was dancing at a club or a rock concert, pint and cigarette in hand, whereas he would spend his weekends hiking and climbing in the wilds.
In the months that followed his death, I became closer to my mother, and we depended heavily on one another for emotional support. One day, in what seemed like a moment of madness to my lazy legs, I suggest we walk the route that she had walked with my 3 brothers and my young son, but not me. We planned the walk for a weekend, and with backpacks filled with water and snacks to enjoy at the top, we set of, me, my mother and my 'far fitter than me' 9 year old son.
This route is not a long one, but to my untrained legs, it may as well have been the trek to Everest Base Camp. We live in the South wales valleys, where steep hills are the norm. My mother told me that my brother had said that the first 10 minutes of this walk were comparable to walking parts of Ben Nevis. That seemed about right to me, and I wondered several times why on earth I had thought this a good idea.
As we turned a corner, and the view opened up to my left, I almost wept with joy at the sheer beauty I saw. I had lived in this valley nearly all my life, and had no idea that it was beautiful. The lush greenery, the beauty of the trees swaying in the wind, and the curve of the hills that seemed suddenly expansive rather than suffocating invigorated me and I started to enjoy the walk. As we walked and talked, Richard was very much in our minds and our conversation, but I found that my mind was often overcome with delight and awe at seeing my home from such a new perspective. My body got used to the effort I was asking it to make, and I was able to really enjoy what I was experiencing. As we came to the open viewpoint that looks out over to the cemetery where he is buried, I looked over to where I know his grave is, did thumbs up with both my hands, and said, with tear soaked grin across my face 'Look at me Rich, look what I have done!'. I shed a few tears here, and then moved on, happy that he would be really happy at what we were doing.
Within weeks, I had proper walking boots, a new backpack, walking trousers, fleece and waterproofs. I spent every spare moment I could walking. The shape of my weekends changed, as I began staying in and staying sober on Friday nights so I could go and join a guided walk on Saturday mornings. We had walking holidays, and my son and I would often go for walks after school and work. If I had a difficult day at work, or when my emotions became too much for me, I would go for a walk, and come back in a different state – not healed, but calmer, more at peace, and better able to put life into perspective. Sometimes I would go out into the hills and scream abuse at a God I didn't believe in for taking my brother from me. Sometimes I would cry and talk to myself, sometimes I would listen to music and dance. I always felt better for it, whatever I did.
Walking connected me to my body as I had not connected to it before, and I started to enjoy eating better and exercising more. I still drank a lot and smoked, but this move towards better physical health definitely improved my life. In addition to swimming, pilates, circuits and kettle bells, I started attending Yoga classes. This was to be a defining act for me, and one which would eventually lead me to full recovery from my addictions.
Walking is one of my favourite ways to spend spare time. It is the one thing I do that makes me feel truly alive and in awe of the beauty and majesty of the natural world. It helps me to see exactly what I am capable of when I put my mind to it. Long distances and steep climbs, while they seem daunting at the start, are well within my reach as long as I am well prepared, take one step at a time, enjoying the journey rather than focusing on the destination. I have had some amazing experiences and seen beautiful places that I would never have known about if not for walking.
Walking is a powerful medicine for the mind and the soul. I don't know how I would have got through those years of grief and depression following my brother's death if I hadn't started walking. I suspect I might not have – I certainly had a huge self destructive streak that might not have been able to withstand the deep 'survivor's guilt' I felt.
How has walking enriched your life?
You can find out more about Esther's work on her website or follow Esther on Twitter.


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On this website, the controller has integrated components by Belboon. Belboon is a German affiliate network, which offers affiliate marketing. Affiliate marketing is an Internet-based sales form that enables commercial operators of Internet sites, the so-called merchants or advertisers, to place advertising that is usually paid via click or sale commissions on third-party websites, e.g. sales partners, also called affiliates or publishers. The merchant provides, through the affiliate network, an advertising medium, e.g. an advertising banner or other suitable means of Internet advertising, which is subsequently integrated by an affiliate on their own Internet pages or promoted via other channels, such as keyword advertising or e-marketing.
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The operating company of TradeDoubler is TradeDoubler GmbH, Herzog-Wilhelm-Straße 26, 80331 München, Germany.
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A Lineworker's Story
Author Zuraidah Hoffman
JT Jacobs, Shenandoah Valley EC, Virginia
As soon as he heard about the volunteer trip to Bolivia, lineman JT Jacobs knew that this was what he wanted to do. For Shenandoah Valley Electric Cooperative, sending volunteers to support NRECA International's electrification projects is not new. But as 27-year-old JT learned after spending more than two weeks in rural Bolivia with 14 other volunteer lineworkers, this trip was not just about turning the lights on.
"We don't think about turning on a lightbulb as being special," JT said during a recent interview. "This trip showed me that electricity can be the answer to people's dreams."
"In the end, this trip was not only life changing for the Bolivian communities, but also a light of inspiration for myself and family back home," he added. "We arrived into a challenging and unfamiliar world with a common goal to bring electricity to isolated villages. We did that but also began to understand that the gift to them wasn't just electricity, it was us. These people, now our brothers and sisters, feared that they had been forgotten, that their voices had gone unheard. They live day to day stuck in the past as they watch nearby cities modernize."
Meal prep time in Coniri, Bolivia.
JT's team of 15 volunteer lineworkers from electric cooperatives in Virginia, Delaware and Maryland, traveled to the Oruro region in western Bolivia on Sept. 4 to bring electricity to three communities for the first time. This required them to build almost 10 miles of power lines to connect 32 households. The team was prepared for the tough working conditions: The region is 13,000 feet above sea level, the weather was cold at night, and the job needed to get done without line or bucket trucks.
Volunteers examining the work site in Coniri.
"I didn't expect the impact from the high altitude, and the cold temperatures at night were pretty brutal. It was a rough beginning, but it got better after a few days," JT remembers. "We were prepared for everything, but it seemed like at every turn we had to adapt and come up with different ways to do the job, and we always managed to get it done."
The most memorable experience JT had was the strong bonds he made with the community.
"They needed not thank us or pay us, yet they offered everything they had," he explained. "We did however accept lessons in appreciation for the life we have and how to find happiness in any situation. The experience is difficult to relate to anything I've ever done or felt."
JT was very relieved and happy to come home to his fiancé and family, but the experience still lingers heavily on his mind. And for him and his fellow volunteers, the photos don't tell the complete story. For him, this experience highlighted the importance of the cooperative family.
"On this Earth, we all have the same Father. We have to take care of ourselves at home and, if we're able to, we should help out our brothers and sisters in need," JT said. "If we have the capabilities to do that, we are helping the world out. The guys I was with agreed that this experience helped put our lives in perspective and made us better people in the end."
Expanding the family in Coniri.
All photos by: Ryan White, Rappahanock Electric Cooperative
Up Next Making Sure it Lasts→


Lori Kelley is the art director at Foreign Policy and is based in Seattle. She was previously art director at Seattle Business magazine. Before moving west, she was art director at Politico Magazine after spending four years at the Washington Post Express, first as art director and then managing editor of news. From 2004 to 2010, she worked at the Virginian-Pilot, helping craft its redesign before becoming assistant director of presentation. Lori holds a master's in English literature from Old Dominion University and a bachelor's in journalism and English literature from Hastings College.


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Home » Search All Courses » Online Master's » MSc Accounting and Finance
MSc Accounting and Finance
FEES- £9,500 (UK), £10,550 (International)
Recognised degree awarding body
Arden University's MSc Accounting and Finance programme is designed for professionals seeking a unique educational experience. Taking a new approach, this course offers a distinctive examination of real-world business, supplemented by the incorporation of modern accounting and finance debates and trends.
To aid in your employability and professional advancement in today's fintech field, this accounting and finance master's programme will significantly enhance your digital analytical and data handling abilities. You'll gather, study, and analyse actual data sets from real-world business situations, and then use modern accounting and finance concepts to create your own answers to the strategic issues presented.
Additionally, the course examines emerging technologies such as blockchain, fintech services, cloud computing, and distributed ledgers, which can help you hone your abilities and prepare you for a variety of accounting and financial positions. You'll examine the influence of accounting and finance on strategic planning, to contribute to big strategic projects covering mergers and acquisitions, pricing, capital expenditure, and investment.
To be eligible for the MSc Accounting and Finance, we need to see that you have:
• A UK bachelor's degree or equivalent at 2:2 level or higher. At least 50% of your previous qualification should be finance and accounting related.
• We also welcome applications from individuals who do not have formal qualifications but who possess three or more years of relevant accounting or finance work experience.
Part-qualified accountants with completed exams from the ACCA, CIMA, or ICAEW may be eligible for module exemptions on this course, while still receiving our full Master of Science award upon graduation.
If you have questions about your eligibility for the course or are unsure if your existing qualifications meet the entry requirements, use the form on this page to contact the university. They will assess your background and advise on your options and application.
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Growing interest in groundwater discharge has led to evidence of significant nutrient inputs to coastal settings from groundwater relative to surface water pathways, but with limited understanding of the extent to which nutrients from each flowpath influence downstream functional responses of microbial communities. Dissolved organic carbon (DOC) and nutrient concentrations of surface water run-off and groundwater in an anthropogenically-developed and a relatively pristine tidal creek basin near Myrtle Beach, South Carolina were determined and changes in productivity and biomass of phytoplankton and bacterioplankton in response to these inputs were observed during two microcosm incubation experiments (August and October, 2011). RMANOVA, Cluster analyses, and correlations were used to relate microbial responses to the initial treatment conditions. Rainwater in the developed basin that would otherwise enter the groundwater is largely rerouted into the surface flowpath by stormwater infrastructure, bypassing ecosystem buffers and filtration mechanisms. Subsequently, surface runoff from the developed basin was enriched in nutrients and DOC and yielded the highest production rates compared to developed groundwater, pristine surface runoff and groundwater, and a deionized water control. Primary and bacterial productivities were correlated in August and correlated best with inorganic nitrogen concentrations, indicating that nitrogen was likely the primary limiting nutrient. Bacterial productivities were more significantly related to initial treatment conditions than phytoplankton. In both experiments, treatments with highest DOC yielded the most bacterial productivity relative to primary productivity. High DOC concentrations may simultaneously absorb light, hindering phytoplankton, and initially stimulate bacteria, before phytoplankton have produced a large pool of labile photosynthetic leachate.
Hutchins, Patrick, "Metabolic Responses of Estuarine Microbial Communities to Inputs of Surface Runoff and Groundwater from Contrasting Landscapes" (2012). Electronic Theses and Dissertations. 56.


If you're going to be running a lot of projects simultaneously, or your team is growing bigger and you need more active users on your Slickplan account you can upgrade at any time. In the opposite situation you can also downgrade your account. To read more about upgrading or downgrading please visit this article: How do I upgrade or downgrade my account?
Only the account owner or an administrator with the 'changing payment settings' permission can upgrade or downgrade an account (please visit this article How do I edit user details?
Please note that your billing cycle and renewal date will change after upgrading or downgrading your account. When upgrading your monthly subscription or changing the plan from monthly to annually, you will be charged the prorated difference between the two plans based on the remaining time in your billing period. Also, if you would like to downgrade your monthly plan it will be best if you do it at the end of the month, because the surcharge will not be refunded.


Learn about an automated service that helps you provide employment and income verification to third parties.
University of Maryland University College uses the Work Number—an automated service that enables you to quickly provide proof of your employment or income—for employment and income verification.
With the Work Number, you benefit from having control of the process, since you authorize access to your information. The Work Number provides verification services to more than 50 million employees. It is widely known to mortgage lenders, bank and apartment managers, and others who may need proof of employment or income, and it is easy for them to use. The Work Number can be used anytime, anywhere—by phone or online—24 hours a day, seven days a week.
Select the "Create a Salary Key" option and record the six-digit salary key. You can then provide the person requesting proof of your income or salary information with your social security number, the UMUC employer code (14819), the salary key, and the Work Number access options (theworknumber.com or 800-367-5690).
For further assistance, please contact UMUC human resources at 301-985-7990 or myhr@umuc.edu or call the Work Number at 800-996-7566 (TTY 800-424-0253), Monday–Friday, 7 a.m.–8 p.m., central time.
Download a flyer about The Work Number.


text:
Q: in_array problem with $GLOBALS I have a $GLOBALS['plugins'] array. With these values:
Array
(
    [0] => Array
    (
        [0] => calendarFuncs/
        [1] => calendar.php
        [2] => Calendar
    )
    [1] => Array
    (
        [0] => eventFuncs/
        [1] => todo.php
        [2] => Projects
    )
    [2] => Array
    (
        [0] => financeFuncs/
        [1] => finance.php
        [2] => Finances
    )
    [3] => Array
    (
        [0] => crmFuncs/
        [1] => crm.php
        [2] => CRM
    )
    [4] => Array
    (
        [0] => adminFuncs/
        [1] => admin.php
        [2] => Admin
    )
)

This returns false, always...
in_array('Projects', $GLOBALS['plugins'])

Any thoughts?
Thank you.

A: in_array() doesn't search recursively through multidimensional arrays.
You could loop through the $GLOBALS['plugins'] array and do in_array() on each item inside instead.

redpajama_set_name: RedPajamaStackExchange


Red River Stomp features Don Leady Co-founder of the LeRoi Brothers, founder of the Tail Gators, guitarist extraordinaire. Sunday February 10th 9:00 AM CST.
Don Leady's eclectic tastes range through rock and roll, blues, cajun, conjunto, surf, swing, country and beyond.
Join us this week for music and conversation with one of Austin's most versatile and valuable musicians.
Mark your calendars for Saturday, Feb 9th at 9 PM, as KOOP teams up with 91.7 sibs KVRX for a night of musical revelry at Beerland. Local bands Borzoi, Gospel Truth, Hi Gene, and Prom Threat will provide the live entertainment, with doors opening at 9pm. Beerland is located at 711 1/2 Red River St. It's one frequency, two stations, and four great bands.
The International Folk Bazaar welcomes Mira Dickey and Ian Files, two local fiddlers who special in Scandinavian styles. Mira and Ian will be featured performers at the Austin Friends of Traditional Music's Midwinter Festival on (Saturday, 2/9). Wednesday, 12 pm.
The Singer and the Song welcomes Rebecca Loebe. Rebecca is a great singer/songwriter from right here in Austin, Texas, as a member of the trio Nobody's Girl and as an excellent solo artist. Her new record comes out next week, and she's gonna share songs from it live the whole hour on the radio on KOOP 91.7 FM and koop.org, 3-4pm, Saturday, February 2nd.
People United features legal scholar Tanya Katerí Hernández and historian Minkah Makalani on her book Multiracials and Civil Rights: Mixed-Race Stories of Discrimination, which argues that multiracial people suffer the same kinds of discrimination as other people of color in the United States and benefit from the same civil-rights protections.
Under the X in Texas welcomes honky tonk real country music singer songwriter native Texan Weldon Henson to the mic with a new cd, Texas Made Honky Tonk, before his longtime residency every Tuesday night in the Broken Spoke Saloon Dancehall. Tuesday, 1/29, 9-11am.
The Singer and the Song welcomes Laura Lee. Laura Lee is another great singer/songwriter from right here in Austin, Texas with wonderful songs and a singing style that is uniquely her own, as you will hear when she performs live for us the whole hour on the radio on KOOP 91.7 FM and koop.org, 3-4pm, Saturday, January 26th.


text:
Kanye West Confirms "Black Skinhead" Video Is Not Official, Lashes Out at Leaker
By Gregory Adams
Following speculation that yesterday's (July 8) video premiere for Kanye West's Yeezus track "Black Skinhead" may not have been legit, owing to neither the rapper nor Def Jam Records properly announcing it, West has now come out admitting that the CGI-heavy clip was leaked before being completed.
Taking to his Twitter account today, West wrote: "The BLKKK SKKKN HD video that leaked yesterday was not the official version. Me and Nick Knight have been working on this video for 5 months and for creatives it's heartbreaking when something like this happens."
He added that the finished video will "be ready within the week," so maybe those spiky armour plates he sports in the vid will be smoothed out a bit. He also requested that any website hosting the "unapproved/unfinished" version take it off their site to "allow me and Nick to give the world what we've been losing sleep over."
Additionally, Yeezy had some parting words for the person who went behind his back to upload the clip: "And to who ever leaked the video… FUK YOU!"
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