For those who are not familiar with Tulsa's flag, it consists of the city's seal over a white background. Such a design is too common in the United States. About half of the state flags consist of a symbol, usually the state seal, over a blue background. The repetition is boring and makes it more difficult to distinguish between different flags.
Considering that being a clear symbol of something is the whole point of a flag, the similarity is a problem. Also, putting a seal on the flag violates some of the basic principles of vexillology, the study of flags.
According to the North American Vexillological Association (NAVA), flags should follow five basic principles: 1) they should be simple enough to draw it from memory, 2) they should have meaningful symbolism, 3) they should only have a few colors, 4) there should be no lettering or seals and 5) they should be distinctive or clearly related (think of the Nordic countries).
The reasons for most of these basic principles are fairly obvious, or at least should be. (Considering how many states use the seal over a blue background, perhaps distinctiveness is not an obvious goal). But anyway, it might not be immediately apparent why seals and writing are such bad things to put on a flag. If a flag is supposed to clearly represent a particular place, writing "City of Tulsa Oklahoma," which is on the flag as a part of the seal, will make it perfectly clear what the flag is supposed to represent.
A 2004 report from NAVA ranking the flags of 150 American cities explains why seals and writing are bad. The first reason is that "A flag is a graphic symbol, not a verbal display." Basically, putting letters on a flag entirely defeats the purpose.
Think of the flags of the United States, the United Kingdom or France. All of those flags are extremely easy to recognize even at a distance because of their iconic designs. If the words on a flag are all that distinguish it from others, it will be useless at a distance.
There is one other reason NAVA notes for not putting words on a flag. "Words are not reversible." This means that flag manufacturers are left with two options: they can either make a flag that has one side backwards, or they can make the flag double-sided. The former is obviously not a good choice, and the latter increases the costs of manufacturing.
So how did Tulsa do in NAVA's ranking, with its seal and white background? It scored 124 out of 150. Now, there is one caveat in that ranking — it was determined through an Internet survey. However, that is not enough reason to disregard the survey. It was posted only on websites for flag enthusiasts, but more importantly, the principles of flag design are based on simple aesthetics. Does one really need to know a lot about vexillology in order to know that the flags of Washington, DC (#1) and St. Louis (#5), which have distinctive and pleasing designs, are superior to the flag of Pocatello (#150), which literally has a copyright notice on the flag itself?
Luckily, there is a campaign starting to get Tulsa's flag changed so it no longer has the seal on it. According to the Tulsa World, the campaign is being led by two residents named Jacob Johnson and Joey Wignarajah. Part of the reason they're wanting to change the flag is that Tulsa restricts the use of the city's seal, so using the flag in memorabilia is legally questionable.
The campaign will be conducted online and with private money. Their website is tulsaflag.com. They plan on taking suggestions through November, designing in December, voting on designs in February and presenting the winner to the City Council in March or April. The public should keep in mind the five principles of flag design while recommending and voting on the new flag.


text:
Q: layout file is not loading in magento custom module I am trying to load template file from layout in my module but my layout xml file is not adding in config.xml .I tried number of solution but I don't know what mistake I am doing.Please help me and tell me where I am wrong.I added my code below..
IndexController.php
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Ryan McVay/Photodisc/Thinkstock(NEW YORK) -- Many consumers who have old cell phones, e-readers, laptops and video games lying around could be banking on them if they turned them in.
Several websites, like Gazelle.com, pay consumers in cash or gift cards for trading in their old gadgets. You simply need to answer a few questions on the site and then "they will literally send you a box, they'll send you a prepaid shipping label and they'll just take your item back," says ABC News' Technology Contributor Andrea Smith.


The Salvation Army's kettle drive has surpassed the half-way mark of its goal to raise$160,000 to help needy families this Christmas season.
The Salvation Army's Community Relations and Development Associate Marsha Kanady said up to yesterday the organization had raised$104,000.
The kettle drive was launched on December 1.
"We are hoping to meet our goal, but we are not sure, it being so close to Christmas. We are praying that donations will continue to come in throughout the rest of the year but the kettles will stop ringing on Christmas Eve at 5 p.m.,"she said.
Kanady admitted that donations have been coming in slower than last year, and that could be due to the fact that persons who usually give are financially strapped this year, and could not give at all, or as much as they would have liked.
She said there are still many people who are in need.
"There are a lot of desperate people that are searching for all kinds of answers, and when they come to the Salvation Army we give what we can give-whatever has been donated to us, but there are so many more people this year asking for assistance. I can't tell you how many people have sat across from our social services desk and social workers desk, and say can you please help us,"Kanady said.
The funds collected are not all spent during the festive season, she explained. Kanady said while there are gifts to provide, food parcels to share out and meals to deliver, there are other programs to cover.
This funding(is used)all year long to help with our school for the blind, our adult blind workshop, and all the different community and after-school programs. We hope and pray Bahamians will continue to give throughout the year.
People are knocking on our doors from the time we open until we close at night for some type of assistance. They are just not coming for gifts and toys. They are coming for food just to put on their tables, and people are having to decide to pay their rent or buy food. The elderly are deciding do I buy food or do I buy my prescription?So if we can help with the Christmas toy, or help with food or deodorant or some kind of hygiene product, that will loosen up funding where they won't get their electricity turned off or they won't get evicted from their houses,"she said.


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Тленсеру́х, Кенсеру́х, Кессе́р () — историческая и географическая область в центральном высокогорном Дагестане, одна из областей расселения аварцев.

География и население
Тленсерух расположен в среднем и верхнем течении одноимённой реки. Территориально с востока ограничена хребтом Шалиб, с запада естественной границей служит хребет Нукатль. Занимает большую часть современного Чародинского района Дагестана. Область включает в себя 13 сёл, с традиционным центром в Ирибе. Население Тленсеруха моноэтничное и моноконфессиональное. Его населяют аварцы, исповедывающие ислам суннитского толка. Разговаривают местные аварцы на кесерском диалекте аварского языка.

История

Процесс компактного проживания начал происходить ещё в XI—XII веках, после распада аварского государства Сарир. До XIX века Тленсерух представлял собой вольное общество. На севере общество граничило с Андалалом, на востоке с Карахским вольным обществом, на юге Тленсерух соседничал с обществом Анкратль, а на западе с Газикумухским ханством. Руководство обществом осуществляли выборные кадии, духовная власть принадлежала дибирам. Как и во многих других обществах, все важные вопросы решались на сельском сходе.

На территории Кессера действовали свои писанные законы. Так, если одно село нападет на другое, то с него взыскивались 30 овец. С человека укравшего с пастбища что-либо, независимо от целей — 5 овец и возвращение украденного. С человека присвоившего себе что-либо с горы Гочота (земли Кессера в долине реки Самур) — будь то скот или что-нибудь другое — возвращение присвоенного и штраф — 50 овец. За разжигание вражды предусматривался штраф в размере 100 овец. За отрезание хвоста у коня, кобылы или мула — 10 овец хозяину животного, 1 бык вольному обществу. То есть основным видом наказания был штраф, который применялся с целью компенсации причиненного ущерба и дальнейшего недопущения правонарушения.

В XVII—XVIII веках часть жителей Тленсеруха переселилась в Джарское общество. В конце XVII века кесерцы приняли участие в освобождении Белокан от грузин. В XVIII веке участвовали в войнах с кызылбашами на стороне Джарского общества, неоднократно совершали набеги на грузин, против которых могли выставить 1000 человек.

В начале XVIII века, Газикумухский хан Сурхай, проводивший политику экспансии на запад, вторгся в Тленсерухское общество. Захватив аул Рис-ор, жители которого бежали в крепость Ириб, Сурхай решил овладеть столицей общества. Однако на перевале между селом Косрода и местечком Маълиб, принадлежащим селу Ириб, он был разбит и вынужден уйти в свои владения.

В сентябре 1741 года, кенсерухцы, возглавляемые горским предводителем Хамдалатом, участвуют в разгроме Надир-шаха в Андалале. В эпической песне о разгроме Надир-шаха говорится:
Когда очень туго андалалцам пришлось,
Хамдалат ушел за подмогой в сторону Бис-ор
Попросить помощи из общества Тленсер,
А Муртазаали в сторону Хунзаха ушел,
Чтобы привести в Хициб хунзахскую рать.
Из этих строк видно, насколько тяжела была ситуация, если такие воины, как Хамдалат и Муртазали, должны были покинуть поле битвы и идти за помощью. К пятому дню сражения персидские войска перешли реку Цамтиор, и отогнали андалалцев к их центру — аулу Согратль. В тот же день пришла подмога из Тленсеруха и Хунзаха, после чего, спустя некоторое время, аварцы вынудили персов бежать.

Тленсерух всегда был независимым вольным обществом. Как отмечает немецкий путешественник XVIII века Иоганн Гюльденштедт, данный «округ независим» от соседних князей, но при всем этом Уммахан Великий на его территории, в местности «Капуда» () имеет «свою резиденцию».

С началом Кавказской войны общество присоединилось к движению Шамиля. Нормы Шариата постепенно вытеснили местные законы. В Ирибе была основана резиденция наиба Даниял-бека, а аул в последующем стал центром наибства. В ирибской крепости располагался крупный военный гарнизон из 550 воинов, собранных со всего Тленсеруха. Из них 300 были конные и 250 пешие.

После завершения Кавказской войны на территории Кессера был образован Тленсерухский участок, включенный в Гунибский округ.

Согласно «Ведомостям о численности народонаселения Кавказа и степени их покорности царскому правительству», к 1833 году численность населения Тленсеруха составило 5 тысяч человек. Кесерцы в согласно этому документу «имеют своё управление и совершенно непокорны; племена сии нам мало известны». Перепись 1886 года насчитала в Тленсерухском наибстве 10177 человек.

В 1929 году путём слияния Тленсеруха и восточной части Карахского участка был создан Чародинский район.

См. также
 История Дагестана
 Исторические области Дагестана

Примечания

Исторические области Дагестана
Вольные общества Дагестана

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Home > Internet Privacy > Don't we need Federal Privacy Laws for IoT?
…tasks NIST with creating requirements for federal agencies that consider the secure development, identity management, patching and configuration management of IoT devices. In addition, NIST is also tasked with developing recommendations on the management and use of IoT devices by March 31, 2020.


text:
ICC Rankings | Test, ODI And T20I Teams And Players Rankings
Future Tour Programme (FTP)
Jhang Sadar 19 ℃
Pakistan Super League tickets now available online
Pakistan announce squad for Women's T20 World Cup; Sana Mir dropped
PCB invite 19 probable players to camp for Bangladesh Tests
We want to beat Pakistan in Pakistan: Russell Domingo
Pakistan U19 start World Cup campaign with a thumping win over Scotland U19
Ahsan Ali excited to play alongside Babar Azam
Tamim Iqbal returns as Bangladesh announced the squad for Pakistan T20Is
Pakistan Super League (PSL) 2020 Points Table | Team Standings
ICC World Test Championship 2019-21 Points Table | Team Standings
Mohammad Hafeez to retire from International Cricket after T20 World Cup
Home/Breaking News/Pakistani Players Won't Be Available For Dhaka T20s Due To PSL: PCB
Pakistani Players Won't Be Available For Dhaka T20s Due To PSL: PCB
Cricketpointer Staff 3 weeks ago
Pakistani Players Won't Be Available For Dhaka T20s Due To PSL: PCB Picture Courtesy © Photo Gallery
Lahore: Pakistan Cricket Board (PCB) has ignored the report that Pakistani players were ignored for the T20Is between Asia XI and World XI scheduled to take place in Dhaka.
The Two-match T20I series between Asia XI and World XI is scheduled to be played in Dhaka between March 18 and 21, 2020.
ALSO READ: Multan Sultans Sign Azhar Mahmood As Fast Bowling Coach
One of the Pakistan Cricket Board (PCB) officials said," Pakistani cricketers were invited by the Bangladesh Cricket Board (BCB) for the T20 games but will not be available as the dates of the T20Is are clashing with the Pakistan Super League (PSL)."
He continued, "There is some confusion regarding the Asian eleven and World eleven matches. Our players were invited, but since these matches are clashing with the Pakistan Premier League, we can't make our players available."
Pakistan Cricket Board (PCB) declined the rumors that Pakistani cricketers pulled out of the series because they didn't want to play with Indian players. The spokesperson also declined the news that the Board Of Control Of Cricket In India (BCCI) played a role in sidelining the Pakistani cricketers.
He said, "The fact is that back in June Asian Cricket Council (ACC) invited us to nominate players for the Asian eleven, and we accordingly requested the ACC and Bangladesh board to slightly adjust the dates of these matches so that our players can also participate in them."
He added," We had requested a shift in dates since dates were clashing with the latter part of the Pakistan Super League (PSL )to be held in Pakistan for the first time. The ACC and BCB had informed them that shifting the dates was not possible due to broadcasting commitments and the international calendar. That is why our players are not taking part in these matches."
He condemned the false news circling regarding the exclusion of Pakistani players from the series.
Another Pakistan Cricket Board (PCB) official told media that Pakistan was ready to host Asia Cup T20I tournament in September next year, and the Asian Cricket Council (ACC) had already given the rights to Pakistan to host the event.
He said, "The tournament will hopefully be held in Pakistan as planned, and in due course of time, we will be holding talks with stakeholders to ensure that all boards send their teams to Pakistan. Other options are on the table as well."
Talking about the ongoing clash with the Bangladesh Cricket Board (BCB) considering their scheduled Test matches of the ICC World Test Championship in Pakistan in January, the official said there was no clash, but talks were still going on.
He said, "They have responded to our last mail saying because of the security situation they can't play Tests in Pakistan but are willing to play a T20 series in January. The PCB chairman has once again in reply reminded them they have not responded to any of our queries in the last mail sent to them."
He confirmed," Our position is clear. The BCB must come up with a reasonable reason for not wanting to send their Test team, and secondly, we have told them playing at any neutral venue is not an option for us now after the successful Test tour by Sri Lanka."
ACC Asia XI BCB PCB World XI
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text:
The Last Way Station
An Historical Fantasy Novelette
April 30th, 1945. The Red Army has encircled Berlin and is now cutting down opposition
forces as it advances through the devastated streets of the Nazi capital toward the
Reichstag, center of the German government. Thirty-five feet below ground zero, Adolf
Hitler presses a loaded service pistol to his right temple and prepares to bite down on a
glass cyanide capsule. Hitler has completed his Last Will and Testament, married and
then executed his new bride, Eva Braun, and dispatched his beloved German shepherd, Blondie. Now, all that remains is to effect his own escape and join them in the hereafter.
He presses down on the cyanide capsule and squeezes the trigger. But instead of dissolving into oblivion, Hitler is transported to a dark, intensely cold chamber where a mysterious "caseworker" and final judgment await. The Last Way Station explores Hitler's twisted psyche and asks, "What, if anything, constitutes fitting punishment for the super-evil?"
"The Last Way Station is a cleverly written allegory about Hitler's final journey to hell. It is an eerie but instructive tale with a killer ending! Highly recommended."
Mark Woodburn, UK, author of Winston and Me.
"Wow! ... A great book -- well-written and thought provoking."
Catherine J. Anderson, Amazon reader-reviewer
"The reader is sucked in from page one...and is only released by the surprising ending. I only wish this book had been longer. I never wanted the story to end.
Amazon reader-reviewer
"This book was really good. Very easy to read. It could easily be read over a weekend. But you will think about it long afterward."
Debra Starr


In particular, Linux Mint uses reworked menu system, a private manager to install and upgrade applications, the original interface for system setup mintConfig, means for performing backup mintBackup etc. The size of the boot iso-image is 970 MB. The distribution can run on systems with 384 MB of RAM, but for the comfort of the recommended 1 GB of RAM.
– Other changes characteristic of packet-base Ubuntu 13.04, for example, the transition to the core Linux 3.8.


AmyBeth Inverness -Â A little science, a little fiction, a little romance, a little friction.
Today we have Derek Halpern, list building specialist, choosing today's words. Show him what you've got.
Our own business writing specialist, Cathy Miller, chose today's words. Show our Welcoming Queen some love.
Aaron Pogue chose the words today. He is a novelist, a publisher, and a book designer. He provides weekly writing advice at his site Unstressed Syllables, and designs the ebook production process for Consortium Books. He's also celebrating the meteoric rise of his recently-released fantasy novel Taming Fire on the Amazon Science Fiction and Fantasy bestseller list. (It's currently at #60).


text:
IT'S OUR ANNIVERSARY – WYNWOOD SHOP TURNS 1!
Posted on May 05, 2018 By Diana Gonzalez
Deep Eddy Vodka
Miami Midtown Magazine
Wynwood Art Walk
Wynwood shop
Wynwood Whiskey
365 days later and counting, we're still changing the game for Wynwood and its artists… and we're taking this occasion as an opportunity to say thank you to our loyal supporters, for inspiring us to push on and continue pursuing our passions not only day after day – but now year after year.
In celebration of our 1st anniversary, we're looking back at how it all began, reflecting on what an incredible year it's been, and recognizing our phenomenal family of brands and artists – whose incredible works and dedication have made all of this possible.
Out from the alley and into the AC! One year later…
Just one year ago, we underwent a transformation of epic proportions. After 3 years as a monthly street market known for unique, one-of-a-kind art, fashion, and artisanal finds, the decision was made to pack up the tents and tables and bring the fun inside. And just like that, our beloved Wynwood Alley was reborn as Wynwood Shop.
On May 12th, 2017 we officially became a fully operational brick & mortar shop and gallery. But even more importantly, we emerged as a permanent fixture of the Wynwood landscape – an achievement both hard-earned and long-awaited. And in these past 12 months, so many good things have happened since we first opened our doors that we can't help but be excited for what this next year will bring.
While some things have remained unchanged, like our Wynwood Alley days and nights of Art Walk every second Saturday, other opportunities for artistic collaboration and entrepreneurial elevation came about. We added Wine & Shop Thursday to our calendar of monthly, regularly-scheduled fun. And from live band performances to yoga works, to live painting sessions and model castings, to graffiti and wood-carving classes – our mission to be inclusive and impactful has only gained more traction.
Cultivating the Wynwood culture – individually & together
Long before the inception of Wynwood Alley, there was a collaborative movement underway in the community. Local artists and independent designers and brands from all over Miami began connecting and promoting each other, creating bigger and better ways to gain exposure for themselves and their work. And Wynwood Shop is not just a result of that movement – but rather a physical representation of that collective vision that its founders – Diana and Felipe Gonzalez – helped realize.
Wynwood Shop owners Felipe (far left) and Diana (far right) with toronto-based artists, Bruno Smoky and Shalak Attack
It is a fact that 20% of new, small businesses fail in their first year. That means that roughly 2 out of every 10 businesses that open their doors are closing them right back up within their first 12 months. But despite that harsh reality, Wynwood Shop has thrived against the odds. We believe this is not just because of our good fortune in real estate. There's really no denying that we're lucky as hell to be set up in one of the highest pedestrian traffic areas in Miami and most visited tourist destinations in the world. But that's not the only reason why we're still going strong.
No – we've made it to this point by staying true to the movement which helped build Wynwood in the first place. And that has only been possible thanks to the incredible passion and dedication of the talented individuals – our loyal employees and the more than 50 local brands, designers, and artists that have come together to make Wynwood Shop one of the best places to shop in Miami.
We shape Wynwood and Wynwood shapes us
This culture of collaboration seems to only continue to flourish and strengthen in numbers. So now we're seeing that same collective power that made The Wynwood Walls and events like Wynwood Art Walk as popular as they are, is now doing the same for us. As time goes on, our shop is evolving into another of Wynwood's landmarks.
Day after day, tour guides and busses filled with tourists and students from all over the nation – and the world – are flooding through our doors, checking out the one-of-a-kind works of our local creators, spreading the word and taking a piece of Wynwood home with them – wherever that may be. And almost magically, what was once just a street-market-turned-store has evolved into a remarkably special space that transcends the land on which it sits.
Looking back at the past year shows us many things. But most of all, it shows us that no matter what happens as a business – we have been part of something profound. We are humbled by our first year's accomplishments, and that we've played a role in giving the talented people in our community an opportunity and a platform to share their gifts with Miami – and the world.
On May 12, 2018, we're partnering with Miami Midtown Magazine, Concrete Beach Brewery, Wynwood Whiskey and Deep Eddy Vodka for one-year anniversary party – and together with our good friends and neighbors, we'll celebrate not just our first year, but all that we're looking forward to next.
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text:
St Benedict's sixth form student Matthew Khadouri has won First Prize in the St Mary's University 2019 Theology essay competition.
Matthew, Cardinal Vincent Nichols and Mr Walls, Head of Theology and Religious Studies at St Benedict's
There were over eighty entrants to the competition from a range of schools in England and Wales. Matthew's winning piece was a highly sophisticated piece of theological writing, and received high praise from St Mary's University staff.
The competition required entrants to respond to the question: 'Philosophical arguments for the existence of God alone cannot lead to belief in God.' Matthew, who is in his final year at St Benedict's, received his winning certificate from Cardinal Vincent Nichols, along with a prize of £250.
This is the third time Matthew has been successful in a national essay competition. Mr Walls, Head of Theology and Religious Studies, said: "Matthew has been a dedicated theologian during his time at St Benedict's and fully deserves the credit he has received for this award. This is further evidence that Religious Studies as an academic discipline continues to go from strength to strength at St Benedict's."


text:
Home / Feature / HOW LONDON BECAME A HUB OF FINANCIAL SERVICES
HOW LONDON BECAME A HUB OF FINANCIAL SERVICES
By F R Chowdhury:
Banking and insurance play vital role in economic development of any country. International trade, commerce and industry could not develop and function without the key role of banking and insurance. We can understand how banking developed because it provides the facility to make collective investment in viable projects. But it seems nobody is certain as to how insurance came into this world. However, most people now believe that insurance originated from the needs of the shipping world.
In early days when there was still no acceptable currency, trade was done on barter exchange. In other words traders used to exchange goods according to supply and demand. Those days the ship-owner was the trader as he would collect goods and go to another land for profitable exchange. As he makes money and become rich, he does not want to go to sea anymore and employs a captain. As the ship goes beyond visual sight, the ship-owner gets worried and remains so until the ship re-appears. Some people started taking bets on ship's safe return. This allowed a number of people to share the risk and thereby encourage traders and ship-owners to undertake more and perhaps bigger business ventures. This is how insurance provided the cover for risk in any investment and today's financial world reached its present shape. Today not only ships and aircrafts but also their cargoes and passengers are insured. Industrial giants like steel mills, refineries and automobile plants, off-shore rigs and plants are all insured along with historical objects and structures. Betting shops still continue to operate as a gambling center for sports and games, especially for the horse race.
Modern industrialization and transformation started from Europe. Britain had a leading role. If we look at the history of port developments – we find two components very important and they are protection from rough seas and pirates. City of London and river Thames duly provided the security to develop as a trading port and eventually become nucleus of maritime activities. Coffee was first imported in the UK in 1652, and soon became popular with elite class of people. After the great fire of London in 1666, London started to re-build with coffee shops in places where people could transact business to give economic boost to the port city. Historical records from 1688 for the first time mentioned about Edward Lloyd's Coffee shop in Tower Street. It was popular with traders, ship-owners and captains returning from overseas voyages. Edward rented out boxes in his coffee shop for the entrepreneurial businessmen to conduct insurance or risk undertaking business. One thing Mr. Lloyd noticed that there was a great demand for information for assessment of risk. Lloyd's Coffee House started publishing daily shipping news, informing people about departures and arrivals, the cargo aboard each ship and where other country's fleets were operating; and where pirates were known to be active. The Lloyd's List was first published in 1734 and the last printed version was published on 25-September-2013. However, the electronic version still continues as the world's oldest newspaper (constantly updating every hour). By the way, I have a copy of the last printed edition of Lloyd's List.
To the underwriters it is important to know how well the ship is; and whether it is worth taking the risk. They would like to know details such as – type of ship, when and where built, materials used, when docked and inspected last etc. Mr. Lloyd hired the services of a few ship-builders and engineers and the Lloyd's List gradually started to provide such information as well. There was clear need from the insurance world for an organization without any vested interest that could certify the health of a ship as the doctor can certify the health of a person. This eventually led to formation of Lloyd's Register of Shipping, a non-government organization not run for profit or to protect any interest but to serve the industry with good advice and guidance to keep ships to its required standards. It is now very much like a standard institute which has its own bench-mark. If the ship meets the standards, the ship remains classed. Until this time Lloyds Coffee shop was the biggest facilitator and housed all – ship-owners/brokers, underwriters, class society, Lloyd's List and all others connected with the business. However, to exert its own freedom as a non-partial independent organization the Lloyd's Classification Society had to stand alone on its own and this is precisely the reason why the two businesses eventually separated out. The insurance part of the business i.e. the ship-owners and their brokers along with the underwriters were the first to move out to Royal Exchange in 1774. The Lloyd's Register, the society for classification of ships moved out in 1786 to Lombard Street. Today the Lloyd's Register of Ships is situated in Fenchurch Street with its offices and surveyors located almost all over the world. It has already developed the reputation, trust and confidence of all as an organization dedicated to excellence doing its job of quality control without any fear or influence and not having any interest in loss or profit for anyone. The underwriters accept the LR report as the actual condition of the ship. The flag administration trusts it to such extent that it allows the LR to carry out some of the statutory functions on its behalf. IMO (International Maritime Organization) now requires all sea-going vessels to which SOLAS Convention applies to be designed, built and maintained as per requirements of the recognized organization (relevant Class Society). Many other huge engineering projects such as rigs and plants are also classed with LR. At local level Lloyd's Agents often trust them with damage limitation (especially protection of the environment) after any accident or incident. Today there are a number of such societies of which LR was the first.
Today the Lloyd's House of Underwriters is simply known as the Lloyds and is located in an iconic building built with lot of glass and aluminum at 1, Lime Street. There is no other insurance market that conducts even half the business that Lloyd's deal with. It must be understood that there is no company known as Lloyd's Insurance Company. It is the business house that provides all the facilities for its members from both sides of the industry to negotiate risk undertaking business. It operates the same way as Lloyd's Coffee shop operated more than 300 years ago except that it is now done under law of the land as British parliament gave the Lloyd's system and procedures the status of an act of parliament. There are three basic principles on which it works – there must be identifiable object/ risk, all declarations must be honest and truthful and a premium must be paid to secure the cover. Ship's insurance is referred to as Hull and Machinery as there are other arrangements to cover risk originating from cargoes, crew and passengers which I will discuss in a minute. In many cases, insurance undertaken outside Lloyd's market want to be re-insured with Lloyd's to have the ultimate credibility of the insurance market. With the passage of time, ship's operation became more hazardous involving too many claims from too many corners. Some of these claims run into millions, especially those relating to protection of marine environment and removal of wrecks. No one ship-owner can pay those claims nor would the insurance market like to give cover to such unknown vast claims. The ship-owners finally found their own solution by forming mutual groups to protect each other. In the beginning the ship-owners formed the groups but now they simply join one of the existing groups. They are commonly known as P&I (protection and indemnity) clubs to protect and indemnify the owners/ members against any sudden claim from other parties. The risk and claims originating on cargoes, crews, passengers and other assets are also grouped with them. It is not unusual for a ship to be arrested in a port for not paying all claims on time but it is also customary for the relevant P&I Club to issue a bond or bank guarantee for the vessel to get released and continue its business while the judicial process continues in the court. The P&I being mutual and not for profit, it is aimed at rescuing a member who suddenly suffers too heavily by collective/ additional contribution from other members. Calls are subscribed instead of paying premium. Similarly ships that are moth-balled or laid up for period exceeding three months may request for return of calls. The principle on which it works is that no engagement in voyages and ventures mean no risk or hazard and as such 80 to 90 percent of the subscription may be refundable. P&I secretariat carries out the fine accounting on member's contribution against the benefits received making sure that well maintained members enjoy the best. This is why there is always demand for memberships in clubs with quality shipping. All P&I Clubs consider 21 February as the opening day of the business for the year.
The mortgage industry developed on the principle of banking and insurance. Lending money against a security deposit has been an old business in the UK. Pawnshops still operate in many places. For Britain to develop as a maritime power it had to provide support where necessary. This support came in the form of mortgage. Mortgage for the property market in the UK developed on the principle of P&I of shipping i.e. mutual. Many mortgage societies later turned into full commercial banks. Islamic banking and mortgage has lot of similarities with today's world of financial services. Huge investment in off-shore rigs, structures and other scientific development required to be registered like a ship under a flag and maintained to class standards with Lloyd's or other similar classification society so that mortgage can be raised and recorded for possible arbitration and litigation in any dispute.
In the previous paragraph all types of marine insurance was discussed so that the mariners can identify the root and purpose of each one of them. We can see how with the passage of time and with changing requirements things were modified from the days of Coffee shop. It was in 1811, the complexity of the information used by the insurance industry had evolved significantly to produce a global network of Lloyd's Agency to make available local intelligence and expertise linked up with Lloyd's. The main purpose was damage limitation. That is why it was necessary for the shipmaster to keep local Lloyd's agents informed and act according to their good advice. With the passage of time this is losing its importance. There was another organization created by Lloyd's known as Salvage Association as an in-house salvage contractors. Now it is no more considered feasible to maintain such a white elephant since services of specialized contractors are readily available. Lloyd's Salvage form with "no cure, no pay" has served the industry for many years. It is now modified to state that all expenses undertaken to protect the environment must be paid for.
Before I conclude this write-up I shall quote the statement of Lloyd's CEO: "For more than three centuries, the Lloyd's market has been sharing risk to protect people and businesses, inspiring them to create a braver world".
We have seen how the insurance business of the Coffee House first shifted out followed by the society for classification of ships. Next important thing was the Lloyd's List which is now merged with "Informa" group and published regularly. There are two separate on-line training institutes which take the name Lloyd's but perhaps have nothing to do with original Lloyd's. They are Lloyd's Maritime Academy and Lloyd's Maritime Institute. They operate very informative courses on shipping. To the best of my knowledge present Lloyd's Bank and its associated group has nothing to do with Lloyd's of London.
London is comprised of a number of boroughs or councils where elected public representatives make the local government. However, GLC (Greater London Council) has an elected Mayor as the Head of the civil governance. Mr Sadiq Khan is now the Mayor of London. Law and order, transport and housing development are main issues dealt by Mayor. We have another mayor, the Lord Mayor of London. He is not elected and he is not connected with civil governance. He represents the financial district of London and it is the business community that selects a Lord Mayor every year to protect, uphold and promote the financial business of the city.
An analysis of the history of the development of financial services in London shows that shipping was the base for most other developments. The systems and procedures were developed by industry itself and that name "Lloyd's" was so strongly linked with it.
London, 09-November-2021 fazlu.chowdhury@btinternet.com
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You can compare Star charts below to see how miniscule the differences are between mid Mexico and North Dakota. A distance of 2000 miles; equal to the increase in the earth's axis.
Since 2005, in the month of June, the sun has been rising and setting on the horizon to the north of Texas. Since the sun should never be any farther north than the Tropic of Cancer on the summer solstice, June 21st, which is located in central Mexico. The variance in the sun's position would indicate that the axis angle is now continuing to shift and is currently about 2000 miles farther north in the Summer and an equal amount farther south in the winter.
The south pole acts as a gyroscopic anchor which maintains the balance of our planet and angle of our axis. But the warming conditions caused the ice to melt at phenomenal rates which has allowed the axis to shift as the ice continues to disappear. At some point in the near future, the earth will reach the tipping point and will shift the rest of the way onto its side in a horizontal position like the planet Uranus.
As with the first major shift of the Earth's axis which resulted in a Tsunami which killed over a quarter million people from Thailand to Africa in Dec 2004; the final shift may create Tsunami's which may flood entire continents similar to the movie 2012. It is the abnormal movement of the earth which causes Tsunami's... not earthquakes as they would have you believe... although earthquakes are often a byproduct of the movement of the earth. You can test this by filling an aquarium with 4 inches of water and sliding it to see how a tsunami is created. A quake would be more like a concentric ring of ripples and would not have the power to send waves that far. Those are more short distance waves like across an inlet or bay. They don't lists Tsunami's where there are no witnesses. Rogue waves are tsunami's which did not include a telltale quake. The reason they think the quake occurs first is because the monitoring systems will pick up the quake long before they pick up the slow moving waves. As usual, the authorities refuse to budge from their errors and will only change their position when those digging in their heels are all gone from the decision making process.
When the earth's tilt was normal before the slippage, the sun was directly over the Tropic of Cancer (located in mid Mexico) on June 21st. With the change in axis, the earth shifted about 2000 miles to the south on June 21st placing the sun approximately at the northern border between the US and Canada which even the Canadian Inuit tribe has noticed.
When the earth's tilt was normal before the slippage, the sun was directly over the Tropic of Capricorn (Uruguay) on Dec 21st. With the change in axis, the sun is now 2000 miles farther to the south in the Winter, south of Australia. We also have people in south Australia who have verified the sun is now rising and setting to the south of them in December... when the sun should never be farther south than Uruguay in the winter on Dec 21st.
When the earth's tilt was normal before the slippage, the sun was directly over the equator on Sept 23rd and again on Mar 21st. Despite the 2000 mile shift of the earth's axis, the sun will still continue to be directly over the equator on those dates. So everything will appear completely normal on those dates. However, since the sun's position now travels 4000 additional miles between the new locations so the Spring and Fall months undergo a rapid change in weather conditions and temperatures and new weather pattern formations.
A 2000 mile shift does not create a dramatic change in the appearance of the stars as some people might think. A 2000 mile change in the angle of the sun does not translate into a 2000 mile change in the stars. This is due to the distance and size perception of the stars versus the sun. If you traveled from Chicago to Brownsville TX, you would not notice any difference in the stars at all if it was the exact same time of night on the same day. (keep in mind that the earth continues to rotate and orbit the sun so this causes the stars you see to move throughout the night).
A similar problem people mistake is to think they would be able to feel a 2000 mile shift but that is not the case. The earth rotates just under 25,000 miles each day. Or about 1038 miles each hour, but you cannot feel the rotation of the earth or the orbit of the earth around the sun. So when you think about this, 2000 miles is much less in comparison with the movements constantly occurring with our planet in motion. However, the Tsunami's are evidence of the abnormal shifting of the planet.
As we move closer to Autumn, the angle of the sun is returning to a more normal position. As we move toward winter, the sun will again be 2000 miles farther to the south this time. From the northern hemisphere, it would be difficult to notice. Someone in southern Australia would be better able to see the difference in angle. The best time to see the axis change from the US is in the month of June during sunrise and sunset.... at the moment the sun appears to come in contact with the horizon. If you try to judge this while it is in the sky, it will throw you off because the path of the sun across the sky is curved. Use Google Earth to locate your house and the on screen compass to find "true" north. Not magnetic north. Then you can better judge the position of the sun on June 21st. The sunrise should be at an equal angle to the sunset if you are looking at true north. Magnetic north changes which is why it would be unreliable as a reference point.
However, since the sun is supposed to be directly above the Tropic of Cancer in central Mexico at noon on June 21st.... and you live in the US and see the sun setting and rising to the North of your location, that is the one conclusive piece of evidence which cannot be obscured or manipulated. The sun should never rise or set to the north of the tropic of cancer.
Here are two star charts. One is for the latitude between the Dakotas 99.21 N Latitude and the other image shows the stars at the central Mexico Latitude 22.21 N. Both are the same longitude 99.24 W. Each pair of images are comparisons in the same time frame as stars will seem to move as we rotate below them. Stars also change as we rotate around the sun.... but again, not as dramatically as one would think.
The differences are of little notice to the average person. The most outer edges which correspond with a perfectly flat horizon are normally obscured behind buildings, trees, hills, etc. Smog and glare of city lights also reduce the ability to see much at the horizon and often, only the brightest stars directly overhead show up.


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THE FLASH – "Things You Can't Outrun"
Filed Under:Anthony Carrigan, Candice Patton, Danielle Panabaker, Grant Gustin, Jesse Martin, Rick Cosnett, Robbie Amell, The Flash
"Things You Can't Outrun" — (8:00-9:00 p.m. ET) (Content Rating TBD) (HDTV)
THE FLASH BATTLES THE MIST, CAITLIN TELLS BARRY ABOUT RONNIE — As Barry (Grant Gustin) and the team at S.T.A.R. Labs work to capture Kyle Nimbus (guest star Anthony Carrigan), a.k.a. The Mist, a dangerous new meta-human with toxic gas powers, they revisit the painful night the particle accelerator exploded and killed Caitlin's (Danielle Panabaker) fiancé, Ronnie (guest star Robbie Amell). Meanwhile, Joe (Jesse Martin) decides to finally visit Henry (John Wesley Shipp) in jail after all these years, but things take a dangerous turn when Kyle shows up looking to punish Joe for arresting him years ago. Meanwhile, Iris (Candice Patton) and Eddie (Rick Cosnett) continue to hide their relationship from Joe. Jesse Warn directed the episode written by Alison Schapker & Grainne Godfree (#103). Original airdate 10/21/2014.


May 25th, 2018, is fast approaching. The EU is bracing itself as that date approaches. It marks the end of the grace period for the implementation of the ruthless EU GDPR (General Data Protection Regulation).
Intended to be a savior in the field of data protection, this Regulation has the potential to strangle businesses through huge fines for non-compliance.
In my opinion, lawyers across the EU are circling in anticipation, ready to launch legal action against businesses on a magnitude never seen previously!
Are you willing to take that chance?!!
The penalties are steep enough to destroy a small to medium sized business. We're talking about fines of up to €20 million or 4% of annual turnover, whichever is higher.
So what is the GDPR? And why should business owners be worried?
The European Union General Data Protection Regulation or GDPR is a set of rules governing the use of personal data of EU citizens by companies and organizations in the EU.
There are approximately 22 million registered businesses in the EU.
80% of these businesses have websites.
By survey, 20% of these have started actions to comply with GDPR.
Thus an estimated 17,6 million websites are not GDPR compliant.
If your website hasn't been overhauled to include opt-outs, privacy statements, GDPR compliant terms and conditions, cookie policies and disclosure that you are collecting the person's information and what you intend to use it for, then you are not in compliance. And that could be very costly!
Get your website upgraded as a matter of urgency. Brand Building Solution has done the homework on what is needed, and we made it amazingly affordable! Apply now for your Free Business Analysis, and get this done!
Comprising 11 Chapters and 91 Articles, the GDPR is a monster regulation that demands compliance.
To simplify data regulation amongst EU small businesses.
These strict new regulations on the treatment of personal data have already been introduced. The two year grace period in which businesses were supposed to do the steps to comply with the GDPR, ends 25th May 2018.
Compliance with the requirements of the GDPR is mandatory for any company, large or small, which deals with or utilizes personal data.
Simple answer is YES! If you deal with personal data of clients, staff, suppliers etc, then you have to take the steps to protect that information, and inform the person that you are processing their data. For more information on this contact us or download the FREE GDPR Checklist to see at a glance what you have to do.
Does GDPR apply to businesses outside the EU?
Again, the simple answer is YES! If your company is based outside the EU, but does business with EU based businesses or individuals, then, in order to protect the data on EU citizens, your business will have to take steps to comply with the GDPR.
The bottom line is that compliance is a must. Yet in the chaos and confusion of attempting to understand the GDPR, implementing the requirements and getting as close to compliance as possible, many businesses forget their website.
Your website is your link to the world. It is where you encourage visitors to your site to give you their personal data, which you will store and use for various purposes in the future. Each of those individuals have to be informed of your intentions and the fact that their information is going to be captured and processed by you. You have to give the opportunity to disallow that, to opt out and even to have their information deleted from your databases at any time.
So the best course of action is to ensure that your website is set up to do these functions in accordance with GDPR.
Use our free checklist to see what point are still not compliant or contact us for assistance on info@brandbuildingsolution.com.


text:
Protests for immigration reform expected in 100 cities Saturday
Laurie Smolenski	October 3, 2013
Creative Commons Created with Sketch.
Hundreds of thousands of immigrants marched in Los Angeles for immigration reform on May 1, 2006. (Shutterstock)
On Saturday October 5, people in more than one hundred cities and towns in an estimated thirty-six states will hold marches, vigils and rallies as part of a national day of action for immigration reform.
The events are being organized with broad support from immigrant rights groups, major labor unions, local and national lawmakers, and business and faith communities. While their missions are diverse, these groups are united in demanding that the House of Representatives stop stalling in passing comprehensive immigration reform.
Towns throughout Illinois will mark stops on a two-day pilgrimage. Chicago will celebrate a week of actions. Eleven cities and towns in North Carolina will hold vigils and other events. Rallies and marches are planned from Portland to New Orleans, Boise to Honolulu. This nationwide coalescing of actions will be followed by a mobilization on October 8 in Washington, where organizers expect tens of thousands to gather at the National Mall before marching to the Capitol.
In June, the Senate passed a highly negotiated, bipartisan bill that includes both increased border enforcement and a path to citizenship for the country's 11 million undocumented immigrants. It represents the most significant political advancement in the effort to overhaul the nation's broken immigration system. Yet, a divided House of Representatives has stalled the measure, and proponents of reform are growing impatient. The past six months have included an escalating series of events across the country, including a massive rally in Washington in April, hundreds of local vigils, legislative visits and rallies and an increasing number of civil disobedience actions at detention centers and even along the border. Last month, more than 100 women were arrested at an immigration protest at the U.S. Capitol, while earlier this week more than thirty undocumented dreamers staged a public border crossing from Mexico into Texas.
In New York City, marchers plan to gather in Cadman Plaza in Brooklyn at noon. Speakers slated for the rally include affected immigrants and leaders from diverse communities, politicians, and the heads of labor and religious organizations. Hip-hop artist and activist Rebel Diaz will also perform. The rally will be followed by a march over the Brooklyn Bridge, a New York City icon of unified action and dissent.
Throughout the week leading up to the march, the New York Immigration Coalition and other local groups coordinated extensive outreach across New York City. Posters in English, Spanish and Chinese were plastered on commercial blocks across Brooklyn's Sunset Park and other neighborhoods with large immigrant populations, peeking out of the windows of laundry mats, diners and restaurants. At least four congregations will hold special services leading up to the event. Local media outlets and social media campaigns helped spread the word, while community groups rented busses to help transport people to the Saturday's event.
On October 5, Congress will face a broken nation, demanding mere dignity and respect for all Americans, regardless of which side of the border they were born on.
For more information about events happening nationwide, visit http://octoberimmigration.org/
For more information about the march and rally in New York City and for other events in New York State, visit http://oct5nyc.com/.
Laurie Smolenski
Laurie Smolenski is a freelance writer and community organizer for immigrants in New York City. She has a master's degree in international relations with a focus on women's rights.
Tags: Civil disobedience, Marches, United States
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On Saturday October 5, people in more than one hundred cities and towns in an estimated thirty-six states will hold marches, vigils and rallies as part of a national day of action for immigration reform.

The events are being organized with broad support from immigrant rights groups, major labor unions, local and national lawmakers, and business and faith communities. While their missions are diverse, these groups are united in demanding that the House of Representatives stop stalling in passing comprehensive immigration reform.

Towns throughout Illinois will mark stops on a two-day pilgrimage. Chicago will celebrate a week of actions. Eleven cities and towns in North Carolina will hold vigils and other events. Rallies and marches are planned from Portland to New Orleans, Boise to Honolulu. This nationwide coalescing of actions will be followed by a mobilization on October 8 in Washington, where organizers expect tens of thousands to gather at the National Mall before marching to the Capitol.

In June, the Senate passed a highly negotiated, bipartisan bill that includes both increased border enforcement and a path to citizenship for the country's 11 million undocumented immigrants. It represents the most significant political advancement in the effort to overhaul the nation's broken immigration system. Yet, a divided House of Representatives has stalled the measure, and proponents of reform are growing impatient. The past six months have included an escalating series of events across the country, including a massive rally in Washington in April, hundreds of local vigils, legislative visits and rallies and an increasing number of civil disobedience actions at detention centers and even along the border. Last month, more than 100 women were arrested at an immigration protest at the U.S. Capitol, while earlier this week more than thirty undocumented dreamers staged a public border crossing from Mexico into Texas.

In New York City, marchers plan to gather in Cadman Plaza in Brooklyn at noon. Speakers slated for the rally include affected immigrants and leaders from diverse communities, politicians, and the heads of labor and religious organizations. Hip-hop artist and activist Rebel Diaz will also perform. The rally will be followed by a march over the Brooklyn Bridge, a New York City icon of unified action and dissent.

Throughout the week leading up to the march, the New York Immigration Coalition and other local groups coordinated extensive outreach across New York City. Posters in English, Spanish and Chinese were plastered on commercial blocks across Brooklyn's Sunset Park and other neighborhoods with large immigrant populations, peeking out of the windows of laundry mats, diners and restaurants. At least four congregations will hold special services leading up to the event. Local media outlets and social media campaigns helped spread the word, while community groups rented busses to help transport people to the Saturday's event.

On October 5, Congress will face a broken nation, demanding mere dignity and respect for all Americans, regardless of which side of the border they were born on.

For more information about events happening nationwide, visit http://octoberimmigration.org/

For more information about the march and rally in New York City and for other events in New York State, visit http://oct5nyc.com/.

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17 February 2015, 7pm
Dr Jennifer Powell, Senior Curator at Kettle's Yard and curator of the Henry Moore display at Tate Britain will discuss Moore's sculptures in the open-air. Why did Moore prefer to see his works outdoors? How does the display of sculpture in the landscape change our experience of it? Dr Jennifer Powell will also discuss how outdoor exhibitions of sculpture in the 1950s and 1960s fed into a period of national post-war rebuilding of the arts in Britain.
Henry Moore is represented by two sculptures in the Kettle's Yard collection, Head (1928) and Sculptural Object (1960). You can find more public works by Moore in Cambridge here.
Cambridge Sculpture Trail
Cambridge Sculpture Trails have just launched a new free app. This enables smart phone users (both Apple and Android) to find the 60 plus modern sculptures in public places within…
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René Jules Thion de la Chaume (28 May 1877 – 3 January 1940) was a French fencer. He competed in the men's épée event at the 1900 Summer Olympics.

References

External links

1877 births
1940 deaths
French male épée fencers
Olympic fencers of France
Fencers at the 1900 Summer Olympics
People from Le Vésinet


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Inflation Is Theft: On the Founding of AIER
By Edward Peter Stringham Wednesday, January 24, 2018
Imagine working for a year and your salary amounts to the equivalent of a hefty 100 ounces of gold. This hefty 100 ounces of gold is enough to purchase three new automobiles or half of a typical home. You keep some of the gold at home and deposit the rest at your trusted local bank. All is right with the world.
Over the next year, you hear of two new government mandates: you have to turn in all of your gold at home and almost none your gold in the bank can be withdrawn. Moreover a new edict declares that you no longer have 100 ounces, but 57 ounces. Finally the government says you have 57 ounces of gold certificates and it can devalue those over time.
Sound fanciful? Such edicts were actually implemented in the United States just 85 years ago.
In 1930 the average salary was around $2,000, and with each dollar defined as 1/20 of an ounce of a gold, that translates to 100 ounces of gold (paper money was then a stand-in for the base money of gold). Then nearly overnight, the government changed the definition of a dollar to be 1/35 of an ounce. People who had all of their wealth in real estate or assets outside the banking system were safe. But imagine being the ordinary person with a year's income worth of savings who instantly saw 43 percent of savings gone.
Or imagine being a rich person with 10,000 ounces of gold who instantly lost 4,300 ounces of gold. That amounts to more than $5 million at today's gold prices. My great grandparents were so upset that nobody was allowed to mention FDR's name in their household.
In 1933 AIER was founded to help educate people about what was going on. E.C. Harwood was a professor at M.I.T. and had, in the 1920s, been warning people about credit expansion and how that was opening the door to what we now call a boom and bust. We can think about inflation and the subsequent devaluation (changing the definition of a dollar from 1/20 of an ounce of gold to 1/35 of an ounce) and subsequent problems as going together. The more government inflates the money supply, the more that prices will eventually go up, and without inflation proof bonds, people who kept their money in the bank would gradually see the value of their deposits eaten away. This is not to mention the boom and bust associated with monetary disruption.
In 1974, E.C. Harwood said that inflating was "one of the three greatest swindles in the history of mankind." He stated: "a principal noticeable consequence of inflating is a general rise in prices, which reflects the bidding for things offered in the markets. In other words, the buying power of the dollar depreciates…The swindling effected by inflating is reflected primarily in the loss of buying power by all who have placed their faith in assets denominated in the Nation's currency."
As long-term A.I.E.R. contributor Richard Salsman points out, many of the pictures of bank runs from the 1930s were when people recognized that F.D.R. was going to do what he did and people wanted to get their money out of the banking system as quickly as possible.
Today I agree with my colleague Jeffrey Tucker's assessment that "government cannot be trusted with the control of money." Modern people worried about the risk of inflation have to look to have their money in assets not denominated in a fixed dollar amount, but whether that be stocks, real estate, gold, cryptocurrency, or other choices not listed here.
Because inflation changes the value of different assets at different rates (stocks for example, are theoretically immune from inflation the long run but can be negatively affected in the short run or even longer if the monetary changes are disruptive enough), the best hedge against inflation is anyone's guess.
AIER's first publication was, "What will devaluation mean to you?" and in it Harwood warned about how government was taking gold from the dollar and that would open the door to more credit expansion and increase in the price level. There he concludes, referring to the everyday person, "One conclusion is inescapable; namely, that the forgotten man is being 'taken for a ride.'"
Government monetary policy was not invented to help the everyday person but instead to benefit the government and its connected interests, "the swindlers."
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Edward Peter Stringham
Edward Peter Stringham is President of the American Institute for Economic Research, Davis Professor of Economic Organizations and Innovation at Trinity College, and editor of the Journal of Private Enterprise. He is editor of two books and author of more than seventy journal articles, book chapters, and policy studies. His work has been discussed in 15 of the top 20 newspapers in the United States and on more than 100 broadcast stations including MTV. Stringham is a frequent guest on BBC World, Bloomberg Television, CNBC, and Fox, and Rise Global ranks Stringham as one of the top 100 most influential economists in the world.
He earned his B.A. from College of the Holy Cross in 1997, his Ph.D. from George Mason University in 2002 , and first published with the American Institute for Economic Research in 2003. His book, Private Governance: Creating Order in Economic and Social Life, is published by Oxford University Press
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February 03, 2011 Music
CWMAs: Spell Talk
Smooth Sailin': 2010 CWMA winners Spell Talk talk about their year in the spotlight.
The lineup for the 2010 CWMA finals was eclectic, to say the least. Death-metal Bird Eater's sonic bricks knocked dust from The Depot's nooks and crannies, while Paul Jacobsen & The Madison Arm strummed out their roots-rock prowess. But the middle act, the little-known Salt Lake City-via-Ogden band, Spell Talk (then The Naked Eyes), stole the show for the 800-plus in attendance.
The psych-rock band formed in Ogden in 2007 with Jared Phelps on vocals and bass, Andrew Milne on vocals and guitar and Sammy Harper on drums. They added guitarist Dylan Roe in September 2009 after relocating to Salt Lake City to join the more-happening music scene.
That year, at the 2009 CWMAs, Phelps had a Wayne's World moment: "[This] will be mine. Oh yes, [this] will be mine." The rockers were later nominated for the 2010 CWMA showcase and tied for third. Squeaking into the finals, their practice and goals paid off.
"It was a pretty magical night. We fucking killed it," Phelps says, looking back on the wildly productive year since. "It really gave us a lot of exposure; people wouldn't have known us otherwise." The $2,000 winners' purse probably wasn't so bad, either.
The exposure, along with booking more gigs, necessitated higher-quality recordings. During the past year, Spell Talk produced two albums. The first, Ghost Rider, recorded at KRCL studios, offered a stripped-down look at the band showing off their bluesy side. "There's something spiritual that happens live, and we like to record live to encapsulate that," Phelps says.
Then, in late September, the band recorded Electric Cloud at Back Bone Studios in Colorado. From playing the Desert Rocks Music Festival in May 2010, they earned enough studio time to quickly and efficiently record six songs one day, then mix and master the tunes the next. The result is less muddied than Ghost Rider and a more spot-on sampling of the band's psychedelic sound, which is slightly reminiscent of The Black Angels or Dead Meadow.
The first production run of Electric Cloud came out while they were on tour. Without CD liners handy, the crafty fellows made collages out of found magazines for each copy of the album they sold—truly DIY.
Those two albums have helped the band land gigs at most venues in the Salt Lake Valley, including opening slots for national acts such as Imaad Wasif. But exposure can only get a band so far; they have to perform. Wasif was so impressed with their Urban Lounge set that when his opening band bailed in the Southeast, he called Spell Talk to fill in.
"We had money from CWMA, so we went to Tennessee," Phelps says. "I said yes without asking anyone."
Their old Econoline, which Phelps says was a cop-magnet on the highway, sucked up most of the $2,000 prize on tires and gas. A month after coming home, they hit the road again in early winter 2010 and finished a western tour through Nevada, California, Oregon and Idaho. This year full of opportunities has made the band tighter, musically and as a community, Phelps says. Roe, a late add-on, has become keen on the "secret language [they] share onstage."
The success stems from goals, ambition and a generally humble attitude, like the story of the sheepherder in Paulo Coelho's epic tale, Phelps insists. "The Alchemist changed my life. My goals are the most important thing to me; if I'm not trying to achieve them, life is just empty. And now, all these things keep popping up. We're really fortunate, I guess."
Previous CWMA Winners
2006: Tolchock Trio
2007: St. Boheme
2009: Neon Trees
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Company Profile : General Data Pvt. Ltd. is looking for a PHP developer (Fresher) with good understanding of open source projects. This developer will be managing web and application development projects based on PHP and Content Management Systems (CMS) such as Joomla, Drupal, Magento & WordPress. A good eye for usability and design is a must and a desire to improve upon existing implementations.


The FMH Medical Savings Fund is a medical Fund for which individuals make monthly contributions which are credited to their respective Medical Savings Accounts. Each individual's Medical Savings Account grows with investment income and reduces with claims. To complement the balances in individual Medical Savings accounts, there is an additional insurance cover which covers shortfalls or huge medical bills which go beyond balances in accounts.
FMH has a contracted network of Medical service providers (Doctors, specialists, clinics, hospitals, pharmacies, and medical labs etc.) as strategic partners to ensure guaranteed high quality medical attention to members of the Fund. To start an FML policy, one must be less than 60 years at the time of joining any scheme. Child means less than 18 years old. Each plan therefore has an Adult or Child rate.
Half of the monthly subscription goes towards this part of the plan and is a savings account for your beneficiary in Zimbabwe. The balance in the account covers the less expensive healthcare needs such as private doctor consultations and prescriptions. If no claims are made the balance in the Medical Savings Account continues to grow every month.The beneficiary actually owns the balance in the account and they can claim on it whenever they wish i.e its a savings account. This is radically different from other Medical Aid schemes where contributions fall away whether or not claims have been made. If the balance in the account is insufficient to cover the costs of treatment, the Shortfall Insurance cover will make up the difference – this virtually eliminates any shortfalls. High cost treatments, such as hospitalisation, are covered separately through the Insured benefit cover – see below.
This is additional Insurance that complements the balances in the Medical Savings account. It provides cover when the balance in the Medical Savings Account is insufficient to cover the costs. No Shortfalls!
Dependants must be less than 60 years at the time of joining any scheme.
Child means less than 18 years old. Each plan therefore has an Adult or Child rate.
Benefits are payable after 4 months of subscribing to any scheme.


Lord Montague's costume uses the same pattern as the prince's, but I believe this is a brand-new pattern for my website. I don't think I've posted this one before. It's a slashed-sleeve Renaissance tunic with pants, and for old Montague, I've included a black muffin cap to top it all off.
Here's the pattern for his pants. These are the easiest, elastic-waist pants. Here's the tutorial for making elastic-waist pants for Ken, and I think you'll find they fit snugly. If you're making this costume for very young children who struggle to get pants on and off Ken, I'd use this pattern instead and follow this tutorial to make them. These pants don't look as period-correct, but they're easier to get on and off.
Finally, this is the pattern for my medieval muffin cap, and here's the muffin cap tutorial showing you how to make one. The muffin cap is relatively easy to make by hand, but a little tougher (though not impossible) to make with a sewing machine.
And those are the patterns I used to create Lord Capulet's costume (as well as the prince's costume) in my Dolly version of Romeo and Juliet, stop-motion style. To see a preview of the upcoming stop-motion video of Romeo and Juliet with dolls, check out this link.
Don't forget that I'm giving away a free summer wardrobe for Barbie! If you haven't signed up for that, you should!
Also, you must enlarge the pattern to fit a full-sized piece of computer paper (8.5 x 11 inches or 216 x 279 mm) before printing. My designs use a 1/4 inch seam (standard for fashion doll sewing projects). If you have any questions about piecing this costume together, feel free to contact me, using my "Submit a Question" form. I'm always happy to help!