Nearly all of the recent news about funding options for long-term care tells a story of an industry on its heels. This is particularly true for traditional long-term care insurance (LTCI) products that are, essentially, health insurance policies that can be used to pay for costly end-of-life care in nursing homes or one’s own home.
The vast majority of major insurance carriers offering these policies have had to request rate increases. Pressure points driving the increases include low interest rates, underestimation of policy lapses and the rising costs of long-term care. It was recently announced that one carrier is seeking to raise premium rates on some of its policies by an average of 58 percent. Another just announced it will stop selling LTCI products in California, following many of its peers in pulling such products from the marketplace.
According to LIMRA, 10 out of the top 20 individual writers of long-term care insurance have exited the market over the last five years. Prudential — the fifth-largest writer of LTCI in 2011 — stopped accepting new applications in the first quarter of 2012.
Meanwhile, Americans are dramatically underprepared to pay for long-term care. According to the National Clearinghouse for Long-Term Care Information, 70 percent of people over age 65 will require some type of long-term care services during their lifetime. On average, care will be required for three years. While only one-third of today’s 65-year-olds may never need long-term care services, 20 percent will need care for longer than five years.
But despite the proven need for coverage, LIMRA estimates that only about 7 million Americans have long-term care insurance. The U.S. Census Bureau estimates that, in 2010, there were more than 40 million Americans age 65 and older.
A tremendous gap in coverage exists within a population that perhaps wrongly believes Medicare covers long-term care. It doesn’t. If long-term care is needed, an uninsured individual is forced to use up a significant portion of his or her personal assets or estate value before qualifying for Medicaid benefits.
The 2011 John Hancock Long-Term Care Survey found that “although most respondents said they thought LTC insurance would be the best way to cover long-term care needs (61 percent), only 11 percent reported having purchasedit.”
Unattractive product design, the potential for significant rate increases and consumer apathy have led us to where we are today. But while some companies and financial professionals are walking away from long-term care insurance, others are finding that newer, even better options for their clients are already available — in fact, they are thriving.
These products are known as asset-based long-term care. They are built either on the chassis of whole life insurance or an annuity. You may have also heard them referred to as hybrid or combo products. With these products in place, when long-term care is needed, the life insurance death benefit or annuity value is accessed to pay for qualifying expenses, and the funds are available free of federal income tax.
Consumers and their financial professionals are attracted to asset-based long-term care products because of two major advantages over health-based insurance products: 1) a life insurance or annuity payout is made to beneficiaries at the time of death if the policy has not been exhausted for long-term care expenses; and 2) premiums are usually guaranteed, meaning older clients will never be exposed to an increase in the cost, especially at a time when they can least afford it.
Consumers are becoming more demanding about guarantees in the financial services industry and more appreciative and aware of these alternatives. As such, asset-based long-term care strategies are coming to the forefront as the pay-as-you-go, hope-you-never-need-it health-based LTC approaches fizzle.


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Tamil star Ajith is working for his new movie at a fast pace and Anushka is the heroine in the film. Right now, some night fight sequences are being shot for the movie and Ajith is keenly involved in these scenes.
These night fights are expected to be a special attraction for this movie and Australian cinematographer Dan Macarthur is handling the camera. The movie is being directed by Gautham Menon and Harris Jayaraj is composing the music.
AM Ratnam is producing this film and it will release simultaneously in Telugu and Tamil this Diwali.
- Rana opens up on Baahubali’s success
- Nani’s Ninnu Kori wraps up its Vizag schedule
- Baahubali becomes most searched on Google
- Shoot update on Allu Arjun’s next
- Poll : Which part of Baahubali did you like the most?
Articles that might interest you

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Bowyer came back from a mid-race spin to pick up his second win of the season. The Saturday night victory gave the Michael Waltrip Racing driver another three bonus points to take into the Chase.
But the night belonged to Gordon, who struggled most of the race but pulled off a big-time rally to beat Kyle Busch by three points for the final spot in the 12-driver Chase field.
The complexion of the race changed dramatically after the third and final rain delay. Busch had a firm grasp on the wild-card spot until that last shower.

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The FBI and CIA concocted the Russiagate story to protect themselves from investigation into their attempt to depose President Trump. From Thomas J. Farnan at townhall.com:
On December 29, 2016, the Obama Administration – with three weeks remaining in its term – issued harsh sanctions against Russia over supposed election interference. Two compounds in the United States were closed and 35 Russian diplomats were ordered to leave the country.
Russia responded by calling the actions “Cold War déjà vu.”
In the two years that have elapsed since, it has been learned that the “intelligence” that formed the basis for the sanctions was beyond dubious.
A single unverified “dossier” compiled by an ex-British spy with no discernable connections to Russia was shopped to FISA judges and the media as something real.
The dossier was opposition research by the Hillary Clinton campaign, a fact that was not disclosed and actively hidden by off-the-book transactions through the law firm Perkins Coie.
As a dog that chases its tail, the fake dossier was being used to cause the investigation which itself lent credibility to the notion of Russian interference.
The FBI and CIA thumbed the eye of an armed nuclear state based on false intelligence. Why?
The answer is now obvious: to cover up their own election year shenanigans they thought would remain forever hidden in the inevitable Hillary Clinton victory.
Russian collusion had first come to the electorate’s attention in July. The DNC had lost a cache of its emails either to a phishing scheme or to a hacker. The emails showed the Clinton campaign and the DNC conspiring to fix primaries against Bernie Sanders.
The outcry among Sanders supporters was sufficiently loud that DNC chairperson Debbie Wasserman Schultz resigned on the eve of the democratic convention.
It was a huge scandal. To squelch it for their expected future boss Hillary Clinton, the FBI and CIA constructed a Rube Goldberg machine of “Russian collusion” to blame Trump.
The FBI never bothered to test the computers for a hack. That task was left to CrowdStrike, a private contractor whose CTO and co-founder, Dmitri Alperovitch, is a Russian ex-patriot and a senior fellow at the Atlantic Council, a think tank with an anti-Russian agenda.
The Atlantic Council is funded by Ukrainian billionaire Victor Pinchuk, a $10 million donor to the Clinton Foundation. The fix was in. CrowdStrike dutifully reported that the Russians were behind the hack.
To continue reading: How the FBI and CIA Restarted the Cold War to Protect Themselves

domain: politics


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Before and During the Procedure
Frequently helpful after weight loss, the arm lift method is ideally performed on individuals who have a stable weight, have good skin elasticity, physically healthy and a non-smoker. To start on this outpatient procedure, the patient will be placed under the influence of general or local anesthesia. The surgeon will create incisions in the inner area of the arm. Removal of fats and skin will be executed then the tightening of the skin. Once complete, the incisions are closed. The entire procedure usually takes one to two hours.
After the Procedure
The results you can obtain after an arm lift procedure are smoother, slimmer and tighter arms. Instantly following the arm lift, discomfort, numbness, and swelling can be experienced but these can be managed with the prescribed medication. To control swelling, aid proper healing and support the new form, a bandage or compression garment is required to be worn within a few weeks. Two to four weeks will be expected to achieve the full recovery. For a period of time, the patient must minimize the movement of the arms and should keep them elevated always. Furthermore, the patient must get enough rest and should avoid energy-demanding activities/exercises for a number of days. To sustain your new arms, a healthy lifestyle should be maintained.
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If you are getting conscious with the loose skin, stretched abdominal muscles in your arms and it limits your choice of clothing, we encourage you to set an appointment with us. We are enthusiastic to answer your queries about arm lift.
Date Modified - 03/20/2020

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Top activities in Munich
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From medieval monuments and prestigious art museums to leafy urban parks and chic riverside bars, Munich’s neighborhoods have something for everyone. Discover the many faces of the Bavarian capital with this guide to Munich’s most interesting districts.
Munich’s historic center—home to the highest concentration of medieval landmarks—is generally the first port of call for travelers. Explore on a walking tour, stopping to admire sights such as the Munich Residence (Residenz München), the Old Town Hall (Altes Rathaus), and St. Peter's Church (Peterskirche); browse the stalls at the open-air market, Viktualienmarkt; and then tuck into Bavarian food and beer at the famous Hofbräuhaus brewery.
North of the Old Town, bohemian Schwabing is Munich’s artistic quarter, where the streets are lined with chic cafés, independent boutiques, and contemporary art galleries. Most visitors come to enjoy the greenery of the English Garden (Englischer Garten), one of the largest urban parks in Europe, but it’s worth sticking around for dinner and drinks after sunset—the district boasts a vibrant nightlife scene.
Stretching northwest of downtown, Maxvorstadt is a cultural quarter home to some of Munich’s best museums. Hop off the U-Bahn at Universität and walk to the landmark Siegestor triumphal arch; visit the three Pinakothek art museums; and check out Königsplatz, where you’ll find the Glyptothek Museum. Home to two universities, Maxvorstadt is also frequented by students and its numerous bars and restaurants are a great option for budget travelers.
Bordering the English Garden on the left bank of the Isar River, Bogenhausen offers a relaxing break from the busy urban hub of downtown. An affluent and largely residential area, Bogenhausen—with its historic buildings and leafy parks—is undeniably picturesque. Head to Prinzregentenstrasse to shop at designer boutiques, people watch at one of the terrace cafés, visit the Villa Stuck museum, and admire the Angel of Peace monument.
South of Bogenhausen, Au-Haidhausen is one of Munich’s oldest districts and a great place for visitors to get a feel for local life. It’s most atmospheric in the evening—join locals for a drinks at a riverside bar; attend a concert at the Gasteig cultural centre, home to the Munich Philharmonic orchestra; or opt for beer tasting at the legendary Paulaner Brewery.

domain: geography


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At the March Rugby Ontario Board Meeting, Directors approved a change to the Rugby Ontario Policy Document that refers to coaching in the province .
Policy 4.3.10 was adjusted to the following:All registered coaches coaching under 8 to under 10 rugby must have trained status inNCCP Community Initiation – Non-Contact Rugby. A trained status in NCCP Community Initiation – Contact Rugby or NCCP Competition Introduction Rugby or certification inNCCP Rugby Level 1 also satisfies this requirement.
All registered coaches coaching under 12 to under 16 rugby must have trained status inNCCP Community Initiation – Contact Rugby. A trained status in NCCP Competition Introduction Rugby or certification in NCCP Rugby Level 1 also satisfies this requirement.
All registered coaches coaching under 18 to Senior must have certified status in NCCP Competition Introduction Rugby. A certification in NCCP Rugby Level 2 also satisfies this requirement.
(in effect for 2012)
The reasoning for the update in policy was to bring the coaching requirement in line with current NCCP courses and to make sure that the terminology used in policy 4.3.10 is consistent with the terms used in NCCP.
The separation of the requirement for U8/10 coaches and U12-16 coaches is to reflect that there is now training available in the NCCP Community Initiation – Non-Contact Rugby workshop and the NCCP Community Initiation –Contact Rugby workshop.
The requirement for under 18 to Senior coaches has been altered by updating the name of the certification require, bringing it in to line with the course currently offered through NCCP.
Equivalencies to other NCCP training or certification were also added.
Coaches need to ensure that there current coaching certification is up to date prior to the start of the season. For coaches who require updated training please refer to the Coaching page for course details.
Coaches that are not sure of their current certification status should contact Rugby Ontario -email@example.com for details on their NCCP Transcripts.
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Vacation is over.
Figured it was a good time to burn the last three weeks of my yearly allotment, with minicamps over and usually little in the way of real news until draft picks begin signing (hello, Jared Veldheer and Bruce Campbell), with the starting gun for the flurry of contracts usually coming around the Fourth of July.
Who knew JaMarcus Russell would still be headline material?
Since I wasn’t on the clock when the Russell arrest went down, I’ll give you a few impressions of the situation and its aftermath, and those of you who are tired of reading anything about Russell feel free to abandon ship here and await news heading into training camp later this month.
— As I mentioned on my Twitter account, Russell’s alleged affinity for cough syrup was a rampant Internet rumor for more than a year. Many readers of this blog sent me e-mails about it. Some of them slipped into the comments and weren’t deleted. Most of my responses to you were that without some sort of documentation, it was off limits.
Russell hasn’t been found guilty of anything _ his attorney seems to think the whole thing will go away _ but an arrest report opened the door to making it news.
— I have a lot of respect for colleague and friend Monte Poole, but we don’t always agree.
Monte’s column which suggested the Raiders may have turned a blind eye to Russell’s problems provoked an angry club response which said they had done what they could to intervene in the “myriad” issues surrounding the quarterback.
No way the Raiders were oblivious.
They’ll never go into detail about what they knew and when they knew it, nor should they.
You think it was an easy thing for Al Davis to authorize Russell’s benching after proclaiming the quarterback would be “great” in the Lane Kiffin letter? There was plenty of speculation that Davis would never bench Russell.
That doesn’t happen unless Davis has information that there’s something else going on beyond poor play and practice habits.
When Russell emerged from the bench and actually led a game-winning drive against Denver on Dec. 20 and still couldn’t re-insert himself into the picture, that’s a pretty good clue the Raiders knew what they were dealing with.
Common sense says the Raiders worked to protect their investment and get Russell straightened out. I wouldn’t be surprised if there was an ultimatum presented around the time of the last minicamp about getting some help, taking a pay cut and attempting to work his way back from the bottom of the depth chart.
They went through this before with another highly-paid Russell. Darrell Russell couldn’t extricate himself from the party scene, and I’ll never forget Davis’ talking about him at a press conference following his departure. Usually stubborn and defiant, Davis sounded almost wistful for a moment, saying, “We just couldn’t win that battle” alluding to Russell’s issues which included drug suspensions.
This was before Darrell Russell was killed an an automobile accident in Southern California.
I’ve said before the Raiders are responsible for putting JaMarcus Russell into a Davis-Kiffin environment that made it difficult for the quarterback to succeed on the field, but the quarterback’s affinity for showing up in TMZ photos in Las Vegas and earning an underground reputation for partying were his choices as an adult to make. It wasn’t the fault of the Raiders, or Russell’s choice of friends. It’s on Russell.


As the hospitality industry continues its digital transformation, D-EDGE Hospitality Solutions, a leading provider of hotel technology, has released findings from its latest study shedding light on the influence of digital advertising on direct hotel bookings.
The study, which analysed data from 1,200 independent hotels and hotel groups across Europe and Asia from 2019 to 2023, offers valuable insights into maximising profitable direct bookings amid a rapidly evolving digital landscape, especially with the emergence of artificial intelligence (AI) and the implementation of the Digital Markets Act (DMA).
Key highlights from the study include:
Surge in Online Bookings: In 2023, there was a notable increase in overall online bookings, with direct bookings maintaining a strong performance, contributing to an average revenue of 29.5 percent generated from online bookings.
Rise in Direct Bookings: Hotels that implemented digital marketing campaigns, such as keyword purchases and presence on metasearch platforms, experienced a significant uptick in the share of direct bookings, reaching up to 36 percent.
Reduced Cost of Sponsored Direct Distribution: The study indicates a relative decrease in the cost of sponsored direct distribution, providing hoteliers with an opportunity to lower acquisition costs while boosting margins.
Emergence of Alternative Platforms: While Google continues to dominate the digital advertising landscape, the study highlights the growing significance of Bing as a viable alternative.
Potential of AI: AI shows promise in enhancing hotel direct bookings performance. D-AGENCY experts conducted extensive tests to identify optimal AI applications, offering valuable recommendations for industry professionals.
Jean-Dominique Brivet, Chief Digital Agency Officer at D-EDGE, emphasised the importance of staying ahead of digital and technological strategies, especially with the impending impact of the DMA on the online booking sector.
With the DMA poised to reshape the digital market, the insights provided by this study are more relevant than ever. The complete white paper, available for download HERE, equips hospitality professionals with valuable data and strategic recommendations to navigate the evolving digital ecosystem successfully.
AccomNews is not affiliated with any government agency, body or political party. We are an independently owned, family-operated magazine.


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Snake Jewelry Set
Create a hiss-torically monumental costume with our Snake Jewelry Set! This stunning set includes a snake ring and snake necklace, both with an antique gold finish. The snake ring features one snake that twists along your finger on a stretch band for comfort. The antique gold snake necklace features two entwined snakes connected to a multi-strand chain. Necklace measures 27 1/4in long. Our Snake Jewelry Set fits most teens and adults.
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Councilmember Buscaino announced his plan to address homelessness in August 2018. It includes a combination of Interim Housing, supportive housing, affordable housing, safe parking, and navigation centers in the five neighborhoods I represent. He provides this update August 2018:
My office has taken the first step in a very long process toward that goal, by asking the Mayor’s office to conduct a viability check on three sites for Interim Housing in Council District 15. The first location is a city-owned lot in Watts at 2316 East Imperial Highway. The second location is a state-owned lot in San Pedro at 515 North Beacon Street. The third location is a lot in Wilmington at 828 Eubank Avenue. These three sites are located in the neighborhoods with the most homeless individuals in my district and are a part of a comprehensive plan to move people off our sidewalks and into housing.
Each location will have 24/7 on-site security, receive additional enforcement and clean-ups in the surrounding areas, and beds will be assigned in advance to people already in the neighborhood. There will be no lines, no closing times and no loitering near the facilities.
My team and I have been working with local leaders and neighborhood councils to address homelessness. I hope that the individual neighborhood councils will discuss these sites and submit feedback. We will learn if the sites are feasible in late summer, and they will be publicly announced along with a series of open houses for each site. After that, there will be opportunities for public comment in early fall at the Homelessness and Poverty Committee and before the entire City Council.
We have already completed 78 units of supportive housing in Harbor Gateway and are opening 160 more units of supportive housing this summer. We are also looking at potential sites for safe parking locations throughout the district.
These efforts are being made in order to move the 105 people in Harbor City, the 178 people in Harbor Gateway, the 133 people in Watts, the 496 people in San Pedro and the 538 people in Wilmington experiencing homelessness off of our streets and connect them with housing and supportive services (2018 Greater Los Angeles Homelessness Count).
It will take comprehensive solutions to address the homelessness crisis in our district. This is just the first step in a long process to make our communities safer and get people off of our sidewalks and into housing.
Please click the follow symbol on my Facebook page to receive updates about this process. You can also submit feedback & learn more on my website. #EveryoneIn” – Councilmember Joe Buscaino

domain: sociology


The role of fighting and its place in hockey have been popular topics of discussion in the first third of the 2013-14 NHL season, primarily from a player safety perspective.
While the passion and intensity of the fighting debate isn’t likely to subside anytime soon, the average number of games that have included at least one fight this season is smaller than the average over the last five years.
According to Hockeyfights.com, 35.39 percent of this year’s games (149 of 421) have included at least one fight, which is a bit smaller than the average number of games that had one or more fight from 2008-09 through 2012-13 (37.95 percent).
If this rate continues, there will be 435 games that included a fight by the end of the regular season, which would be the second-lowest total in a non-lockout year since 2006-07.
Even if there are less games with fights compared to recent seasons, there are still prominent people in the sport who believe fighting remains an important part of the game. Speaking with ESPN Boston’s Joe McDonald, Boston Bruins president Cam Neely recently shared his thoughts on the role of fighting.
“I still believe there are things that happen on the ice that you want the other player to be held accountable,” Neely said. “Two minutes in the box, and I’ve heard some people say, ‘Well, a good, clean, hard body check will do the number.’ Well, it won’t do the number. I still believe there’s a place in our game for [fighting].”
Through all games played through Dec. 4, Boston ranks ninth among all 30 teams with 16 fighting majors, and no Bruins players are ranked in the top 10 of fighting majors (Shawn Thornton leads the team with four). The Toronto Maple Leafs lead the league with 23 fighting majors, while New York’s Derek Dorsett and Vancouver’s Tom Sestito are tied for the lead among players with nine.
Follow Nicholas Goss on Twitter here.
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LONGVIEW, Texas (CBSDFW.COM) - Officials at a private school in east Texas were shocked to find out that a sophomore student was actually a grown woman.
New Life Christian School was alerted this week that 15-year-old student Charity Stevens was actually 34-year old Charity Anne Johnson.
Her age came to light when she refused to leave the home of a lady who'd been helping her, and had even enrolled her at the local private school in October last year.
Longview Police Spokeswoman Deborah Stiles said Johnson gave officers the name "Charity Stevens", the same alias Johnson used to enroll at New Life Christian School.
Woman Poses As Teen At East Texas School
Johnson was arrested for failure to identify/giving false, fictitious information. She remains in the Gregg County Jail on $500 bond.
These is no word on why she was posing as a teenager. The school isn't commenting.
(©2014 CBS Local Media, a division of CBS Radio Inc. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed.)
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'Defense has put the Sabres back in the playoff race. In their last four wins, the Sabres have allowed just two goals.'
Note: While we are busy tweaking the front page design to make it more appealing and functional (especially for our mobile readers), you may notice odd layout errors. Please hit "control-F5" to refresh the page and load the latest files. Thank you!


where on a 1995 ford f250 7.3 engine is the number 8 fuel injector located I have hod a buzz test done on the truck thay said the number 8 fuel injector was not working so I need to know wrere is the number 8 fuel injector is located
the number 1 fuel injector is at the front of the engine towards the fire wall
The #1 cylinder is located closest to the front of engine, which is where the pulley that drives serpentine belt is. Ensure injector is getting pulse before replacing.
on the number 1 injector
Fuel injector number two circuit malfunction.Fuel injector number two circuit malfunction.
The third injector from the radiator.
Its located under the inlet manifold rear of the engine. if you look at number one injector its dirctly below.
A wide number of manufacturers make models of the stealth B-2, F-117A and F-22, as well as the semi-stealth favorite the SR-71.
injector curcuit malfunction, then tells cylinder number. po200 to po206,
Bad fuel injector, or debris stuck in the injector not allowing it to close.
The #8 injector is on the driver side and the way to the rear of engine also the only different injector from all others should have a blue plug if updated.
It should be in the main fuse block under the hood on the 91 Geo storm its located on the drivers side under the hood above the wheel well. Its the number 3 fuse.
P0205 means that the PCM detected a fault in the injector 5 or the wiring to the injector. Could be a bad injector number 5. Maybe the wires to the injectors or the PCM is faulty.
Trouble code P0202 means: Injector circuit malfunction - cylinder #2
check plugs, wires, or coil packs. on cylinder #5. But if your changing plugs or wires do them all at one not just #5. ------------------------- Dont forget to check the Fuel Injector also. You can test the injector by swapping the # 5 injector with the injector from any other cylinder. If the miss changes cylinder then the injector is bad.
cylinder 1 is the one closest to the front bumper, and cylinder 4 or 6 is at the back depending on how many cylinders you have. But V engines are different
fouled plug 5 dollars bad coil 42 dollars or cloged fuel injector. run injector cleaner through it
The number two fuel injector is in the middle on the forward facing side of the engine. Windshield 1-3-5 2-4-6 Radiator/Front of car
Fuel injector number one circuit malfunction.
P0203, injector number three circuit malfunction.
P0205 is fuel injector number five circuit malfunction.
First do you have spark at the end of the plug wire for the spark plug to fire. If yes, do you have fuel from the injector. If you have spark, then most likely no fuel. Check the wire feed to the injector. Or, could be possibly a blocked injector.
A little difficult without knowing the exact code number, but in short yes. The wires could be unconnected or possibly some other problem.
Number one is the cylinder closest to the radiator.Number one is the cylinder closest to the radiator.
Not likely, it is a fault with injector number 3, if it were a fuse it would be the whole injection system. You most likely have a disconnected wire connector, a bad wire, or a bad injector.


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Recommended audio sample library with MIDI files suitable for Psy Trance Hard Dance Trance Progressive music producers and available in Stylus RMX – GarageBand – Reason Refill – EXS – NNXT – Rex2 – Apple Loops – Halion – Kontakt – SFZ – MIDI Files – Ableton Live Presets – Ableton Live Pack – Wav – Acid formats.
Title: Adam White – Trance Studio Tools (distributed by Loopmasters)
Perfecto was founded by record producer and DJ Paul Oakenfold in 1989. Since then Perfecto has released singles and albums from such artists as BT, Tilt, Robert Vadney, Timo Maas and Carl Cox. It has also released mix albums from Sandra Collins, Seb Fontaine, DJ Skribble, and Oakenfold himself. Adam White was signed to Perfecto Records at the end of 2007, the same year he flew a team of DJs to the Ukraine for a huge trance event that he headlined, and was also personally invited by Paul Oakenfold to support him on the Perfecto Greatest Hits tour.
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This sound library has been reviewed by Juan Kidd .
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No suspicious cases of the Novel Coronavirus have so far been noticed in the Maldives, according to the Health Ministry.
There have been concerns that the Maldives might be affected by the outbreak that began in Wuhan, China since the country is visited by hundreds and thousands of Chinese tourists every year.
The Ministry stepped up precautionary measures and began screening arrivals in the international ports of entry into the country. Screening is conducted with the use of thermal cameras installed in international airports such as the Velana International Airport.
No suspected cases of the virus have so far been found in the Maldives.
The virus which emerged in China has infected people from Thailand, South Korea, and the US. Around 1300 have been affected by the virus in China alone and the death toll is reported to be 41.


The blogs I read are written by a reasonably diverse group of people. Naturally I steer clear of people who have hateful views, or from which I’m not going to learn anything except that they like the sound of their own voice, but on the whole I read interesting posts written by intelligent people.
When people ask me why I blog, what I get from it, why I bother, I tell them this. I tell them that, whilst there is a level of chaff which you need to sort through (that ‘Next’ button in Google Reader is a lifesaver at times), there are times when you get a series of blog posts on a particular topic that really make you sit back and think.
I quite like being challenged, being made to think, so I consider this a good thing.
And so it was recently when Clay Shirky wrote a piece titled A Rant About Women, which tempted Tom Coates out of hiatus to write a post titled Should we encourage self-promotion and lies?, which was followed yesterday by a piece from danah boyd titled whose voice do you hear? gender issues and success.
Such things are an example of why blogging is a good thing. Someone states their opinion in a fairly even handed way and people respond like adults (the downside of the internet can be found in a lot of the comments, Twitter posts and other ranting nonsense that erupted after Clay posted his article).
As for the issue being discussed in these posts I have to agree with Tom, particularly when he talks about how arrogance and confidence have a place in your “personality toolbox”, but the person who only has those tools is all the poorer for it. Unfortunately society, and certainly the workplace, still seem to favour people with confidence when what we should be doing is cutting through the noise to see what substance lies underneath.
Interestingly I did have in mind a post about how men objectify women (which I’ll still write up for another time) but got sidetracked by danah’s article. Well worth reading all three of them.


Grab discloses investment from Hyundai
Hyundai recently invested an undisclosed amount as part of Grab's most recent funding round of at least $2 billion, the Southeast Asian ride-hailing company revealed on Thursday. The companies also plan to work together on new services and integrating some of Hyundai's eco-friendly car models.
Automakers want in: Hyundai is the latest car maker to forge a close relationship with a ride-hailing firm. Two years ago, General Motors invested $500 million into Lyft, while Toyota has put money into rival Uber as well as Grab, for example.


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‘Into The Wild’ Blu-ray Review
There are films that want to give you a surprise ending with a monumental buildup towards the final act. Then there are other films that are not shy about how things will end in the film. ‘Into The Wild’ is one of those films that does not hide the fact that our main character has some internal issues and things do not bode well for him by films end. Sean Penn would adapt the non-fiction book ‘Into the Wild’ as a feature length film. This is a true story that really takes you for one wild ride as you become connected with main character.
The story begins in the year 1990 with Christopher McCandless (Emile Hirsch) having just freshly graduated from college. Christopher is sitting at dinner with his parents telling them that he plans to attend law school. As things seemed to be great for him and parents that he was going to attend law school, the next day Christopher actually does the complete opposite. Coming from a wealthy family, the McCandless have a nice fortune. The next day Christopher takes everything out of his wallet destroying his ID and then burning any money left in his wallet. Then he proceeds to deplete his savings to donate the money.
He hops in his beat up vehicle and begins his road trip to Alaska, but before long the car dies out on him. At this point he decides that he will make the rest of his trip on foot and also hitchhike when needed. We are taken through his adventures leading to his destination as he meets several people along the way. Even though these people welcome him as family, he still had a goal in mind that wouldn’t stop him. Christopher wanted to just leave society behind trying to see how life would be without the things we depend on everyday.
Christopher only brought with him the bare essentials that he thought would be enough for him to survive. A book of plants, rice, and a rifle were the only items that he thought were needed to survive. I guess that he was wrong as after living in a bus in the wilderness of Alaska from April 1992 to when his body was found in September 1992 by a group of hunters. He didn’t last that long off of his supplies and he was said to only have weighed about sixty something pounds when they found his body. During those last few months of living on his own, he had nobody to communicate or interact with except himself. He did keep a journal depicting everyday in it, which is how much of his adventure was put to book and script.
It is one thing to test yourself in the wilderness by letting others know what you are doing. But this guy just went off on his own without his parents or even friends knowing what he was doing. I almost look at this story as a case of suicide, because how was he going to survive and walk away from this ordeal based with no supplies. Personally I don’t think this guy was all there to undertake an adventure like this if it was his true intent. One could be sitting there reading the book or viewing the film thinking that this guy is trying to commit suicide.
Movie Content: 4/5
The print is presented in 1080p/AVC MPEG-4 with a 2.35:1 aspect ratio. The print is the same exact as the HD DVD as it was one of the final releases for the format. The film is very scenic and offers some nice looking details. Colors are natural and a tad bit soft, but they look just right for this presentation. There is subtle grain throughout the film which helps give the movie some grit feel to it.
Video Quality: 4/5
The audio is presented in Dolby TrueHD 5.1 mix. Do not expect an aural experience going into this film as it is much more dialogue driven. The surrounds mainly have environmental sound effects that are pushed through giving the viewer that sound and feel as if they are in the wilderness surrounded by animals and birds. The soundtrack and score dominates the film quite a bit as Eddie Vedder provided music specifically for this film. Vedder’s music is very engaging and fits in well with the film.
Audio Quality: 4/5
- Into the Wild: The Story, The Characters (22:15)
- Into the Wild: The Experience (16:58)
- Theatrical Trailer (3:00) [HD]
All of the special features are presented in standard definition, except for the theatrical trailer which is in high definition. This is a bit disappointing since there are only 3 features available, while the 2 disc DVD version actually has a whole set of features.
Special Features: 2/5
‘Into The Wild’ is an emotional ride for the viewer and for Christopher McCandless. One of the final HD DVD releases is released on Blu-ray with a same transfer for audio and video. I highly recommend this film as a rental as it is a rather interesting film based off of a true story.
Overall Rating: 3.5/5 (Rental)

domain: artistic


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Download 7 Ways to Keep Your Fish Tales Menu Growing without Burning the Midnight Oil Full Size
Fish Tales Menu A Beginners Guide to Betta Fish Care – The Basics, Fish, whether raised in the wild or domesticated carry parasites and bacteria. In h2o conditions, these are harmless. It’s just the same manner humans carry millions of bacteria around without getting sick. But in fish much like in humans, if you find a certain blend of factors, these bacteria could become harmful:
One of these bad fats is something called Trans fats. Everyone agrees this sort of fat is unhealthy and really should be prevented without exceptions. The problem with attempting to avoid it is that some companies make an effort to hide that it is in most of these food. If a food has below 0.5 grams of Trans fats they can actually label it at being 0. The good news is the fact that I know a trick that so that you can ‘t be fooled. The trick is to go through the ingredients if it says partially hydrogenated oils than it comes with some Trans fats. You might be wondering now why these fats are extremely unhealthy. Well first off they may not be a real fat but a scientifically composed one.
The heart used both DHA and EPA fat. They help to keep us from going into cardiac arrest. And it has been said, that merely the mere presence of Omega3 omega-3 fatty acid allows you strengthen our hearts electrical system. This really helps to prevent heart rhythm abnormalities. It helps that this oil is a natural blood thinner, and that it allows you reduce our hypertension.
You will have a hard time finding an Alaska seafood species which is not healthy to consume. Fish generally speaking are an excellent source of protein and minerals while being low in sodium and fat. Many health-conscious people want to eat fish as opposed to steaks or burgers because fish is much better to suit your needs. No matter what species you decide to pick-up while you’re with the market, you will be consuming high-quality protein. And if you pick an Alaska seafood species, you may be consuming high-quality protein that’s comes from clean, pure waters so it is free from pollutions and is also organic and natural. All of the fish have delicious flavors, so be sure you experiment with different species – all things considered, there are numerous fish in the sea.
Ok, now it is time and energy to install our filtering method, which include our pump, filter box, and associated plumbing fittings with this flexible hose. Total cost for my filtration equipment set me back about $700 more and after many years of learning from your errors I learned what system to use for clear water continuously. Now our total is around $1500 and that we have to have electrical installed for our pump. This cost will change, depending on how far are installation is produced by our electrical panel.
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domain: food


CHAMPAIGN COUNTY, Ill. (WCIA) — Police are looking for help identifying multiple suspects wanted for a burglary.
It happened about 11 pm, Sunday, May 31, at Colonial Liquors, in the 200-block of South Maplewood Drive, Rantoul. The suspects were caught on surveillance cameras. They’d broken into a front window and stole items.
Anyone with information is asked to contact police who can arrange to speak privately with you. Authorities remind citizens information submitted to Crime Stoppers is completely anonymous.
Calls are routed to a third-party national call center which receives your information, completes a tips information form then passes it to the appropriate law enforcement agency. Caller ID tracking is not utilized by Crime Stoppers and conversations are not recorded.


Talks with IAEA delegation continues
IRNA - Islamic Republic News Agency
Tehran, April 22, IRNA
The negotiations between top UN watchdog official Olli Heinonen and Iranian officials on the country's peaceful nuclear program continued for the second day.
Upon arrival at Imam Khomeini International Airport, in southern Tehran, on Monday Heinonen was welcomed by Iranian Ambassador to International Atomic Energy Agency (IAEA), Ali-Asghar Soltanieh.
IAEA director for regional safeguards operations, Herman Nackaerts, is also accompanying Heinonen in his two-day visit to the Islamic Republic.
An informed source said that the previous day's talks lasted for three hours.
Deputy Head of Iran's Atomic Energy Organization (IAEO) Mohammad Saeedi, Soltanieh and a number of Foreign Ministry and IAEA experts were present in the meeting.
The objective of Heinonen's visit is to discuss "the progress of Iran-IAEA cooperation", an official told IRNA.
He did not reject the question that discussion may focus on the "alleged studies".
"The Islamic Republic of Iran believes that the alleged studies is a closed issue on which Tehran has provided the IAEA with data," he said.
"Holding the discussion is an indication of Tehran's goodwill and proves peaceful nature of Iran's nuclear activities," he added.
Meanwhile, Foreign Ministry spokesman, Mohammad-Ali Hosseini, said on Sunday that Heinonen's visit to Iran would be an ordinary visit taking place within the framework of Iran-IAEA cooperation.
Iran got clean health bill from the UN nuclear agency on February 22.
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COUNCIL chiefs are to consider a rescue plan for a Wigan swimming pool they say they can no longer afford to run.
Hindley baths looked doomed several months ago after the local authority said it would have to close unless someone took it over, then no viable offer arrived by the deadline.
But a stay of execution, prompted by vigorous and widespread campaigning from locals, has given time for a business plan from a community group called Phoenixto be drawn up and will be considered by Wigan Council’s cabinet next Thursday.
The Borsdane Avenue site was identified for closure by Wigan Council as part of the £6.4m savings expected of Wigan Leisure and Culture Trust by 2013/14.
It now estimates it could save £97,000 by relieving itself of the facility although Sport England had already claimed the borough had the worst swimming provision per head of population in the North West even with Hindley baths.
But new hope emerged today. Penny McGinty, the council’s head of leisure, said: “We’ve studied the proposal from the Phoenix Group in detail and officers are able to give a cautious welcome to the plans. I am pleased that we have honoured our promise to keep the pool open beyond its original closing date as this has allowed the group to come forward and set out its case.”
Under the proposal, the pool’s operation would transfer to the Phoenix Group in February. The council and the Trust would work with them on the details of the handover to ensure a smooth transfer. There are no staffing implications as Trust staff would be offered posts elsewhere.
Officers have commissioned a study of how the changeover would affect pool users and the cabinet are to be informed that the incoming group will be able to apply for improvement grants.
Previous examples of successfully involving the community in public services include Aspull Library and Tyldesley Baths.
Mrs McGinty said: “Our pledge will always be that we will make every effort to encourage community involvement in the context of the hard decisions we have to make.
“There are some one-off costs associated with the transfer, but this outcome would save council tax-payers £97,000 a year as well as the costs of having to decommission and clear the site.”
Phoenix member Margaret Rowson said: “These are still early days and the group is very cautious. We are awaiting a lot of information from the council but are pleased that they are giving our plan due consideration.
“A lot of people care about the pool and we have worked into the small hours preparing it.”


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Many employers don’t even offer paternity leave to employees, but one organization offers this benefit for both human and fur babies.
The latter is called “paw-ternity” leave, and it’s a benefit in a class all its own.
It’s also a perk one Scottish brewery recently opened up to its 1,000 employees. BrewDog offers new dog owners one week off with pay to get their pet acclimated to their new homes.
On top of its canine-related leave, which aims to make the animal adoption less stressful for employees and dogs, BrewDog offers extremely generous paternity and maternity leave.
It’s all part of the owners’ quest to offer the best benefits of any company in the world.
‘We just really, really like dogs’
As BrewDog co-founder James Watt explained:
“It’s not easy trying to juggle work and settle a new dog into your life, and many members of our crew have four-legged friends at home. So we wanted to take the stress out of the situation and let our teams take the time they need to welcome their new puppy or dog into their family. We always want to raise the bar when it comes to offering our staff the best possible benefits. At BrewDog, we care about two things above all else: People and beer. We also just really, really like dogs.”
If this sounds like the type of company you’d love to work for, you don’t have to become an ex-pat to do it.
BrewDog is set to open up a state-side location in Ohio.

domain: pet


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The end of mutual funds, when it came, was sudden but not unexpected. For over 10 years mutual fund has been scripting its own growth demise, embarking on a reckless course of high risks, unhealthy pastimes, and unchecked maladies. Ironically but fittingly too, the very hand that had supported and sustained it through the turbulent early period of its existence was the one that, finally wielded the euthanasian syringe. The individual investor it was who had made the mutual fund post-liberalisation India’s most vibrant vehicle for individual investment. The individual investor it was who brought the curtain down on an act that had started with a virtuoso performance, only to putrefy into a show of ineptitude, imprudence, and irresponsibility.
The mutual fund, as we know it, may be dead. It died of many things. But, primarily, of a cancer that ate away at its inards. A cancer that destroyed the value of the investments the mutual funds had made to service the Rs. 85,000 crore that India’s investors had entrusted them with ever since they began life way back in 1964 as The Unit Trust Of India’s (UTI) now-disgraced Unit Scheme 64(US-64). A cancer that grew from the refusal of the men and women to manage the mutual fund to exercise a mixture of caution and aggression, but to adopt, instead, an indisciplined, unplanned, fire-from-the hip approach to investment. A cancer that ultimately, robbed the mutual funds of the resources they would have to use to pay back their investors, leaving them on Death Row.
Indeed, the scandal that US-64 had been brewing for years, was only one, but not the first, of the warning-bells that pointed to the near emptiness of many a mutual fund’s coffers. In quick succession have emerged reports of more and more fund-schemes that have been laid bare, their corpuses empty, their ability to meet their promises of assured returns-to investors demolished. At least 37% of the 235 fund schemes in operation-or87- in the country have promised investors assured returns of over 15% for 5 years, and repurchase-prices well above their Net Asset Values (NAVS).
According to a study conducted by the Delhi based Value Research, at least 18 big schemes due for redemption over the next 3 years will be unable to service their investors, or even return their money at the time of redemption. The shortfall? Rs.4,685.10 crore. Or, 75.87% of the amount handed over by trusting investors to fund managers. Worries Ajai Kaul, 38, President, Alliance Capital Asset Management: “When an assured-returns scheme runs into problems, investors view it as one more let-down by the mutual funds.”
Had they but known of the actual practices seen in the offices and hallways of the mutual funds, which have translated into these results, investors would have shown their disgust long ago. Take the case of a mutual fund company that manages more than a dozen schemes. According to an unwritten, but formalised, principle, each scheme takes it in turn to sell some of its holdings to its sister-schemes, booking fat notional gains and posting NAVs. While investors responded by pouring in even more of their savings, the profits were clearly, only on paper. In the offices of another asset management company half way across Mumbai, the demand for cellular-phones peaked 6 months ago.
Its employees had, suddenly, realized that making their personal deals using information gathered in the course of their professional work, was best done over cell phones so that the company’s records wouldn’t show the call being made. Obviously, the hot tips went to fatten their – and not investors’ – pockets. Earlier, quite a few merchant bankers entered the mutual funds industry to use the corpus to subscribe to the issues they were lead managing. It took a crash in the primary market – not ethics or investigations – for this practice to stop.
Filled with fear and loathing – and righteous anger – the investor has, therefore, decided to adjure the mutual fund. According to Marketing And Development Research Associates (MDRA) opinion poll of 342 investors conducted last fortnight in the 5 metros of Bangalore, Calcutta, Chennai, Delhi and Mumbai, mutual funds as an investment instrument now rank a lowly fourth on safety – after bank deposits, gold, and real estate – and fifth on returns – ahead only of bank deposits and gold. And only 14.20 % of the sample will even consider investing in a mutual fund in the future.
Still, it is the species that has died not its every member. The ones that have survived are the bright performers who beat the market benchmark – the 100 – scrip. The Bombay Stock Exchange (BSE) National Index – by the widest margins within their 3 genres: growth, income and balance. However, even their star turns have not been able to stave off the stench of death over the business. In fact, an autopsy of the late – and, at the moment not particularly lamented – mutual funds reveal a sordid saga of callousness and calumny.
Sheer disaster stares the mutual funds in the face and a cataclysm could destroy the savings of lakhs of investors too. A Value Research estimate of probable shortfall that 18 assured-returns schemes will face at the time of their scheduled redemptions over the 3 years adds up to a sense-numbing Rs. 4,685 crore. An independent audit of the 60 assured-returns schemes managed by the public sector mutual funds conducted by Price Waterhouse Coopers at the behest of the Securities & Exchange Board of India (SEBI) estimated a shortfall of between Rs. 2,500 crore and Rs. 3,000 crore. In 1999 alone judging from their present NAVs, the four schemes due for redemption – Canbank Asset Management Company’s Cantriple, IndBank Asset Management Company’s IndPrakash, SBI Funds Management’s Magnum Triple Plus, and BOI Mutual Fund’s (BOIMF) Double Square Plus – are heading for a collective shortfall of Rs.1,639.55 crore.
As of June 30, 1998, the country’s 252 fund-schemes managed assets with a market value of Rs.69,599 crore, with the UTI alone controlling the fate of Rs.50,000 crore. That is Rs.11,000 crore less than the money invested in these schemes as of June 30,1997, which means that the mutual funds have wiped out Rs.11,000 crore from the investors’ hard earned money in the intervening 12 months. Of course, every fund is paying for the sins of the black sheep. For, the villain of the piece was UTI and the 95 funds manage by the public sector banks and institutions, the value of whose corpuses fell from Rs.66,748 crore to Rs.57,350 crore in the past year. In fact these funds contributed 85.40% of the overall value-loss, with the private sector funds boosting their corpuses from Rs.4000 crore to Rs.4,120 crore to lower the extent of the erosion.
For investors, that has translated into an option of either exiting at a loss – or holding on in vain hope. On Nov. 20, 1998, a depressing 77% of the 58 listed fund schemes were quoting at discounts of between 5% and 40% to their NAVS. And what of the NAVs themselves? The units of a shoulder-slumping 15% of the schemes were worth less than their par values. And US-64, of course continued to languish, with an estimated NAV of Rs. 9.68. Even if there are schemes that have performed individually well, that the mutual funds have collectively failed to deliver couldn’t be more obvious. So, investors’ murderous mood can hardly be debated.
Their genesis and growth reveals just what blinded the mutual funds to the possibility of failure. 40% of the banks-and-insurance companies-promoted funds in operation were launched between 1987 and 1993, when the stock markets were bull-dominated. In a period that saw only one bear phase, the BSE Sensitivity Index (the Sensex) climbed by 346%. Being successful with equity investments required no skills; only investible funds. Nor was fund-raising a problem, as investors desperately sought ways to grab a piece of equity boom. Between 1984 and 1989, the mutual funds collected Rs. 13,455 crore as subscriptions, but, in the next 5 years, they picked up Rs. 45,573 crore.
In January, 1994, the UTI’s Mastergain mopped up a stunning Rs. 4,700 crore while the most awaited Morgan Stanley Growth-a showcase for the fabled fund-management metier of the foreign mutual funds-took in Rs. 1000 crore in just 3 days. Low entry-barriers – a so called sound track-record, a general reputation of fairness and integrity, an application-fee of Rs. 25,000, a registration fee of Rs. 25 lakh and an annual fee of Rs. 2.50 lakh-made entering the business a snap. Explains Ajay Srinivasan, 34, CEO, Prudential ICICI Mutual Fund: “Mutual funds were misunderstood by investors. Everyone thought they were a one way ticket to a jackpot.”
Intoxicated, fund-managers poured in more and more of their corpuses into equity, ignoring the down sides, confident that the boom would last forever. In the process, they ignored the very concept of risk-management, blithely ignoring the safety net of fixed-income instruments, and accusing those who advised caution of being cowards. In 1995, for instance, ABN estimated 70% of the money being managed by the mutual funds had been funneled into equity. Whether they knew it or not, they were breaking away from the trend set by the mutual funds in the US, where the industry began by investing primarily in the money market, with only 25% of their corpus set aside for stocks. Only in the past 15 years, after operating for more than 7 decades, have those funds ventured into equity. Unfortunately, their success blinded the fund-managers to the fact that they were riding a wave-not navigating the treacherous seas. As Vivek Reddy, 36, CEO, Kothari-Pioneer Mutual Fund, puts it: “It was the stock market conditions that helped the mutual funds deliver returns-not superior investment skills.” Then, the stock markets collapsed and never quite recovered. Between July, 1997 and October, 1998, the Sensex free-fell from 4306 to 2812 finally nullifying the theory that if you wait long enough, share-prices are always bound to rise. And the mutual fund, unused to a diet of falling equity indices, collapsed too.
The quantum of money mopped up by the mutual fund may suggest that the reports of its extinction have been greatly exaggerated. In 1997 – 98, Indians entrusted Rs. 18,701 crore to the mutual funds, with new schemes alone mopping up Rs. 12,279 crore. Questions R.G. Sharma, 58, CEO, LIC Mutual Fund: “How do you explain that Dhanvarsha 12 and Dhanvarsha 13, floated in April and September, 1998, managed to mop up Rs. 335 crore?” Not quite a loss of faith, would you say? Think again. In those 12 months, those very investors also took away Rs. 16,227 crore in the form of repurchases and redemptions, leaving only Rs. 2,474 crore more in the hands of fund-managers. What’s more, since none of the withdrawals could have been made from the new schemes, the old schemes, obviously, gave it all up, effectively yielding Rs. 9,805 crore to angry investors who took away their money. It is the same story this year: in the first quarter of 1998-99, old schemes collected Rs. 2,340 crore, compared to the new schemes’ Rs. 1,735 crore but they gave up Rs. 2,749 crore-ending up Rs. 409 crore poorer.
Sure, some people are still putting money into the mutual funds. The real reason: money is flowing in from two genres of investors-neither of whom is the quintessential urban. The first comprises people in the semi-urban and rural areas, for whom names like the LIC and GIC still represent safety and assured schemes of income. Importantly, this category investor isn’t clued into the financial markets, and is not, accordingly, aware of the problems that confront the mutual funds. Confirms Nikhil Khatau, 38, Managing Director, Sun F&C Asset Management: “That market is fairly stable. “However, as soon as the fundamental problems hit their dividend-paying ability, even the die hard mutual fund investor from India’s villages and small towns-who, don’t forget, has already been singed by the disappearance of thousands of Non Banking Finance Companies-will swear off their favorite investment vehicle.
The second genre of investor explains why the private sector funds have been successful in soaking up large sums: 31.10% of the total takings in 1997-98, and 10.70% in the first quarter of 1998-99. They are the so called high net worth players-corporates and individuals-who in Khatau’s terms, “are aggressive about managing their wealth, and look closely at comparative performance.” While their fastidiousness has forced them to pick the private sector mutual funds, whose disclosures and performance has both been ahead of their public sector cousins, their interest does not represent every investor’s disillusionment.
135. The amount of money entrusted to the care of the mutual funds was
(a) Rs. 75,000 crore.
(b) Rs. 80,000 crore.
(c) Rs. 85,000 crore.
(d) Rs. 82,000 crore.
136. The end of mutual funds was carried out at the hands of
(a) the government.
(b) non-banking finance companies.
(c) the individual investors.
137. According to the passage, the flaws of the mutual funds lay in their
(a) post-liberalisation syndrome.
(b) imprudent and irresponsible attitude.
(d) all of the above.
138. According to the passage, one of the reasons for the failure of the mutual funds was
(a) their indisciplined approach to investment.
(b) their devil-may-care approach to the world of finance.
(c) their ability to deceive investors.
(d) their inability to read the pulse of their investors.
139. According to the writer, one of the fall-outs of the end of mutual funds is that
(a) at least some of the big schemes due for redemption over the next three years will be unable to service their investors.
(b) only very few of the big schemes due for redemption over the next three years will be unable to service their investors.
(c) none of the big schemes due for redemption over the next three years will be able to service their investors.
(d) None of the above.
140. It can be inferred from the passage that
(a) money was siphoned away outside the country by the mutual funds.
(b) many of the mutual fund offices indulged in malpractice.
(c) money invested in the mutual fund schemes were never returned to the investors.
(d) a sustained attack by the media exposed the anomalies in the mutual fund industry.
141. The current rank of the mutual fund industry in terms of safety and returns on deposits respectively is
(a) third and fourth.
(b) tenth and twelfth.
(c) fourth and fifth.
(d) it is not ranked at all.
142. The increase in the number of cell-phone subscriptions in the office of an Asset Management Company was due to the fact that
(a) (a) calls made by employees for personal deals couldn’t be lodged in the company’s records.
(b) employees found it easier to deal with investors without involving the company.
(c) the company was scrupulous about maintaining correct records.
(d) the company was unscrupulous in granting personal deals to the employees.
143. According to the passage, mutual funds caused a loss of
(a) Rs. 10,000 crore from investors’ money.
(b) Rs. 11,000 crore from investors’ money.
(c) Rs. 5,000 crore from investors’ money.
(d) Rs. 8,000 crore from investors’ money.
144. On the basis of the passage, it may be said that, in terms of retrieving their money, the investors
(a) are caught between the devil and the deep sea.
(b) have a no – exit route.
(c) have to make do with little or no gain.
(d) will trust the few bright stars in the mutual fund industry.
145. According to the passage, one of the reasons for the euphoria in the mutual fund industry can be attributed to
(a) the stock market boom in the late eighties and early nineties.
(b) failure on the primary market.
(c) both (a) and (b).
(d) neither (a) nor (b).
135. Rs. 85,000 crore has been entrusted to the care of mutual funds.
136. The individual investors led to the end of mutual funds.
137. The mutual funds were flawed in their imprudent and irresponsible attitude.
138. The indisciplined attitude of the mutual funds in their approach to investment led to their fall.
139. The passage states that at least eight of the big schemes due for edemption over the next three years will be unable to service their investors.
140. The passage shows facts that lead to the inference that many of the mutual funds offices indulged in malpractices.
141. Mutual fund industry ranks fourth on safety and fifth in terms of returns on deposits.
142. More cell phones were subscribed as calls made on them could not be lodged in the company records.
143. Mutual funds have caused a loss of Rs. 11,000 crore of the investors’ money.
144. They have the option of either exiting at a loss or holding on in vain hope.
145. The stock market boom in the late eighties and early nineties led to the initial euphoria in the mutual funds industry.
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Games & Hobbies,
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Every week, the creators of Two Best Friends Play discuss the best and worst of the videogame industry, pop culture and get excessively hyped about things for no reason.
December 22nd, 2015
Episode 124 of 186 episodes
Christmascast Xrd. Matt can't make it, but we're gonna have a comfy night nonetheless. Crack open the nog and nibble on some cookies!
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A new mergers-and-acquisitions executive at Sprint Nextel Corp. already has a full plate with multibillion-dollar transactions slated this year for SoftBank Corp. and Clearwire Corp.
Michael Schwartz began Jan. 2 at Overland Park-based Sprint (NYSE: S) as its new senior vice president of corporate and business development, Sprint reported in a Tuesday filing with the Securities and Exchange Commission.
The former M&A exec at AT&T Inc. (NYSE: T), who is a Harvard University and Harvard Law School graduate, most recently hails from Telesat Canada, where he was VP of marketing and corporate development.
In August, Sprint reported that it was “determined” that Cowan, president of Sprint Strategic Planning and Initiatives since 2007, would leave Sept. 30.
Sprint later extended Cowan’s employment to Jan. 2 when Sprint reported that Schwartz wouldn’t be available until 2013.
The departure of Cowan, who helped sign previous deals with Clearwire (Nasdaq: CLWR), followed The Wall Street Journal reports of Sprint CEO Dan Hesse’s failed acquisition attempt of MetroPCS Communications Inc. (NYSE: PCS).
Citing unnamed sources, The Wall Street Journal reported that Sprint partners were concerned with Cowan’s style.
Schwartz is expected to be highly involved in Tokyo-based SoftBank’s $20.1 billion purchase of a 70 percent stake in Sprint.
If that deal closes, Sprint plans to pick up remaining shares in Clearwire that it doesn’t already own for $2.2 billion, but that deal is picking up opposition.
On Friday, Clearwire shareholder Crest Financial Ltd. told reporters that it planned to ask the Federal Communications Commission to block the sale to Sprint, Reuters reported.
Crest Financial, which seeks class-action status, also has filed a lawsuit in Delaware Court attempting to stop the Sprint transaction.
Dish Network Corp. (Nasdaq: DISH) is fighting the Clearwire-Sprint deal, as well as the SoftBank transaction.

domain: economics


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DAVIE, FLA. (WSVN) - The National Fire Protection Association is warning against propane turkey fryers in the days ahead of Thanksgiving.
Although they are available and inexpensive, the NFPA is saying the fryers can be unsafe.
They recommend the use of the oil-containing fryers only by properly trained professionals with professional equipment.
One fire department in Phoenix showed the dos and don’ts of deep fried turkey.
The wrong way to deep fry a turkey can lead to a big fire. “You have your propane tank now sitting in oil, you’ve compromised the hose line, so you can have a leak of your propane, and this is what’s going to happen if you’re not gonna do it the right way,” said Phoenix Fire Captain Rob McDade.
McDade then expressed how important your location is when you’re frying. “The important thing to remember is you need to be in a safe space,” he said. “Don’t be in an overhang, don’t be on your patio, make sure you’re on a flat surface.”
Officials advise those cooking Thanksgiving dinner to make sure the turkey is not too wet and not frozen. “You want to put your turkey in a pot first without anything in it, and you fill up with water to where you reach that desire level and measure. That’s the amount of oil you want,” McDade said.
Fry the turkey at 350 degrees, but if something still goes wrong, use a fire extinguisher.
Similar oil-less units are available and the NFPA recommends the use of these alternatives instead.
Copyright 2018 Sunbeam Television Corp. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Built on community relationships between premier sponsor Bayhealth and collaborating organizations the Food Bank of Delaware and American Heart Association & American Stroke Association, a first-in-the-nation statewide food rescue program, 302 Food Rescue, launched on Thursday, Nov. 17 at the Milford Food Lion.
Thanks to the power of technology and a smart phone app, 302 Food Rescue connects volunteers (302 Food Rescue Crew) with fresh nutritious foods from participating grocery stores, caterers, restaurants and more, and allows them to deliver it to organizations that serve food-insecure individuals across the First State.
“When Bayhealth was approached to be the premiere sponsor of the 302 Food Rescue, we jumped at the opportunity to collaborate,” said Rosi Wurster, Senior Vice President and Chief Nurse Executive of Bayhealth. “Not having enough nutritious food to eat puts people at increased risk for heart disease, obesity, and other chronic conditions. Food-insecure children are also at higher risk for developmental problems and mental health concerns.”
“At the American Heart Association and American Stroke Association, we’re also focused on nutrition security – meaning we want our neighbors to not only have access to food, but access to healthy food such as fresh produce, proteins, and other foods that are low in sodium and sugar,” said Kimberly Holmes MSN, APRN, ACNS-BC, PCCN-K, President of the American Heart Association Delaware Board of Directors, and Clinical Nurse Specialist and Primary Stroke Program Coordinator for Bayhealth Medical Center. “Heart disease is the number one cause of death globally, nationally and here in Delaware. Stroke is the number three cause of death in Delaware. Eighty percent of cardiovascular disease and stroke cases can be prevented by maintaining a healthy lifestyle, and one of these key factors is diet.”
The new 302 Food Rescue app is powered by Food Rescue Hero, which was purposefully designed to automate the time consuming and logistical challenges facing food rescue organizations. Food Rescue Hero enables scalable impact on food waste, food insecurity and climate change. Technology-coordinated, community-powered volunteer drivers are alerted when surplus food is available nearby to be picked up and delivered to a nonprofit serving people experiencing food insecurity.
“America has more than enough food for everyone to eat,” said Cathy Kanefsky, President and CEO of the Food Bank of Delaware. “But each year, billions of pounds of perfectly good food go to waste in our country, 302 Food Rescue will allow us to do our part here in Delaware to divert fresh food from the landfill and put it on the plates of those who need it most.”
To learn more about 302 Food Rescue, becoming a food donor or to download the app and start rescuing food as a volunteer, visit www.302foodrescue.org.


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I'm a pixel artist. I used to specialize in 2D CG illustrated sprites, but I realized that my talents lie in pixels.
I am available for projects -- I request monetary compensation, but I'm open to negotiation.
Here are some samples of my most recent work:
For a Pokemon Fan Project:
For an original comission:
For a personal project:
As you've probably noticed, they are relatively simple sprites, however, I can also do more complex sprite work. I also included a regular illustration to compare to my pixel work.
I am available for both fan projects and original projects. I also can do character design based off of specifications. I make all of my sprites in GM.
I'll request about $5 for every fully animated sprite, give or take depending on complexity and size. Any transactions will preferably take place over paypal.
Here are some sample prices:
Small pokemon "overworld" style sprites are $1
Medium character sprites are $2+
Animated Sets are approximately $5
Please feel free to contact me for any reason if you are interested in my work.
Edited by IgotaBonetoPixel, 27 June 2012 - 01:07 AM.


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Pride & Prejudice
Pride and Prejudice is one of Jane Austen’s most loved books. And fans of the book have written their own variations with everything from modern retellings such as, “Bridget Jone’s Diary” to the supernatural, “Pride and Prejudice and Zombies. Below are a few interpretations to get you started. Check out the character map!
FYI, In the spirit of full disclosure, the book & movie links are Amazon affiliate links, which means that I may get a commission if you decide to purchase anything from Amazon. They help pay the bills
Pride & Prejudice Variations
Pride & Prejudice Book RequestsDid we miss one of your favorite Pride & Prejudice Variations?
Let us know so we can add it.


Dual-frequency optical pumping for spin-polarizing a lithium atomic beam
- 79 Downloads
A lithium-6 atomic beam is spin-polarized by means of optical pumping with a single-mode dye laser operating on the resonance transition. Simultaneous pumping of both hyperfine substates is achieved by frequency-splitting the laser light with an acousto-optic modulator. A polarization dependent signal, obtained by probing the optical activity of the beam with linearly polarized light, is utilized in a microprocessor-controlled laser stabilization scheme. The polarization is analyzed with a sextupole magnet and its overall value is 0.70 for an intensity of 1×1014 atms s−1. By reversing the sense of circular polarization of the pumping light the atomic beam polarization is easily reversed in direction.
PACS32.90 42.60-v 35.80+s
Unable to display preview. Download preview PDF.
- 3.W.Raith, G.Baum, C.D.Caldwell, E.Kisker: InPhysics of Atoms and Molecules, Pfoc. Intern. Workshop on Coherence and Correlation in Atomic Collisions (Plenum Press, New York, London 1979) pp. 567–573Google Scholar
- 13.R.Düren, H. Tischer: Max-Planck-Institut für Strömungsforschung Göttingen, Bericht 4 (1978)Google Scholar
- 14.W.Schröder: Diplomarbeit, University of Bielefeld (1979) unpublishedGoogle Scholar
- 15.A.Fischer: Diplomarbeit, University of Kaiserslautern (1978) unpublishedGoogle Scholar


Cher Lloyd On Her “Sirens” Video, Those Pesky Leaks & New LP ‘Sorry I’m Late’: Idolator Interview
Cher Lloyd has come a long way since the release of Sticks + Stones in 2011. For starters, the 20-year-old dictated the musical direction of long-awaited sophomore set Sorry I’m Late (due May 27) — ditching the catchy (but forced) hip-hop/pop fusion of her debut LP in favor of a more personal and authentic sound.
And the ballsy change of pace paid immediate dividends. “Sirens” shows a whole new side of Cher. The lyrics are raw and vulnerable, and she delivers the best vocal of her career over subtle synths and strummed guitars courtesy of Swedish hitmakers Carl Falk and Rami Yacoub. As far as soaring mid-tempo ballads go, it’s really very hard to beat.
The fiery Brit dropped by the Idolator office yesterday (April 28) to discuss her surprising “Sirens” video and upcoming LP. She turned out to be a most welcome guest — cracking jokes and speaking her mind with no filter. Cher even spent some time replying to questions that fans submitted via Twitter. Find out exactly what’s on her mind after the jump.
What was the concept of your “Sirens” video?
The main thing for me with this video is that I wanted to keep it very vague because I feel like all of my previous videos have had such a solid story to them. Everything had to mean something, the viewers had to understand exactly what was going on… they were very predictable pop song videos.
I wanted to come up with something that would let my barriers down and let people into my world and have an understanding of what life used to be like for me. So it’s very personal. It’s taken me a long time to let anyone know anything about my life before.
Do you think it will surprise people?
Yes. People are going to be questioning a lot throughout the video because to look at me, I just look like a 20 year old that rose to fame on a TV show and life has been fantastic. Although I had a great upbringing, I hit many speed bumps along the way. I think it’s really important to let people know that to get a better understanding of exactly who I am.
Nothing is ever perfect. I have days where I sob. I cry about the most ridiculous things but I’m ok to talk about that. You might see me in a magazine looking all pretty on a red carpet but you don’t know what went on before that carpet and what went on after.
Is “Sirens” a good indication of Sorry, I’m Late?
Many of the tracks on Sorry, I’m Late are emotional and kind of vulnerable. For the first time in four years I’ve been able to do something myself without people pre-planning or organizing who I’m going to go into the studio with, what kind of sound I’m looking for. I was basically given full reign and I was allowed to roam LA and just work with people. And that’s why I feel this album is the best I’ve ever done.
What attracted you to the new collaborators?
Some of the people I worked with, I’d worked with previously but in saying that — those were the people that let me do as much as they could let me do. So to be able to go back in with them just recently and be able to say ‘no, actually this is what I’d like to do’ made it one thousand times better.
We got a better outcome. Sometimes when you listen to people’s music, you can tell when it’s manufactured or not. It’s fine to have a hip hop song but whether you believe in it or not is the main thing.
How did you feel about the album cover leaking early?
My album is being placed in multiple stores right now. Target is stocking it. Walmart is stocking it. All these different outlets are stocking my record and I am so grateful to have these big, massive department stores for stocking my CDs but the problem is they all get given the artwork to post on a specific date so that I could do my puzzle pieces campaign with my fans.
So Walmart accidentally released it too quickly and it kind of put a spanner in the works and I had to just release it myself. The explicit version. I felt like I wanted my fans to see the explicit version, I didn’t want them to necessarily see the toned down version first. That’s why I was a bit like ‘oh for god’s sake!’
It must have been frustrating.
Yeah it’s very frustrating and it’s the same with my music as well.
A lot of your music has leaked online…
I’m forever having leaks! It’s crazy. I work so hard to make it not happen that when it does, I am just so upset about it. I get straight on the phone to the people at the label and I’m like ‘what the fuck happened?’ Not because I don’t want anyone to hear it, it’s because I want my fans to hear it from me. It’s my work, it’s not their work. The people that are leaking it, they didn’t make that music. I did.
Let’s quickly go back to the cover. It’s very striking!
It’s so me. On a regular day you’ll catch me like that. I’m such a chilled out person. I have learned to shrug off what people say about me and their opinions. Although I’ve learned to take people’s criticisms onboard and reevaluate the situation but I’m not going to say that I ever listen to them. (Laughs).
Your album title makes a statement. You were quite vocal when it got pushed back.
Can you explain what happened?
The main thing for me, the thing I will never understand and be able to accept, is that anything that happens lands on me. So if you push my album back, the fans can’t get to you and be angry at you, they’re going to be angry at me. And that’s why it’s so frustrating for me with everything. There’s a guy in the suit making the decision but he’s not going to take the blame for it. I am.
The main thing for me is that I have got a line and if things take too long and I’m starting to get restless and my fans are getting restless then I take it upon myself to just do it anyway. And then I’ll deal with the consequences after. What’s the worst that can happen? It’s going to get leaked anyway!
Well, it’s all happening now. Are you relieved that it’s all coming together?
It feels good because it’s been such a long time that I felt — to be completely honest — that I wasn’t doing anything and that for me is very frustrating. I am the type of person that wants to be out and about every day getting my work done and being able to reach out to all my fans. So if I’m not out doing stuff like this [interview] then my fans are not hearing from me. So now that we’ve got all this material that’s finally out there I can get back to doing what I do best.
How do you explain your huge (and growing) US fan base?
The amount that it’s grown in the past couple of years has been crazy for me. What’s really funny for me coming from the UK is that the UK doesn’t really know what’s going on right now because I’ve been in the states for two years. They’re not really aware of what’s going on.
Recently there was an article put out by a UK publisher and I was on a red carpet and on a red carpet they will hold your name up on a board for everyone. They held my name up on a board and a photographer took the picture with my name in the background while I was posing for pictures and the article said people in America don’t know who she is because she has to have a name board. And when you read stuff like that you’re kind of like ‘really?’ I’ve been here for two years, I’ve got six million followers on Twitter. I would hope that people did know me!
Would you mind answering some questions submitted by fans?
Of course not. Let’s do it!
@mikewassmusic when is she coming back to the UK?!
— David Swinburn (@DavidSwinburn) April 27, 2014
— Fathma…vote fo me (@xxxcherbearxxx) April 27, 2014
Emotional, vulnerable and sad.
— She noticed me (@MelbournexCher) April 27, 2014
Every year my parents and my grandparents would take us down to the beach and we would stay there for a weekend. I just remember having warm donuts and just having fun with my family.
— max (@hicherhi) April 27, 2014
I knit every day. I was at my mum and dad’s house and I found this suitcase and I opened it up and it was all this knitting equipment. I asked what all the knitting stuff was doing there and they said that it was my great gran’s. She left it to my parents when she died, so I said ‘how do you think she would feel if I took it up and I carried it on and kept using this stuff?’ So I’ve still got the knitting needles that used to belong to my great grandmother.
— Elijah Garcia (@brat_mafia) April 27, 2014
There will be Target bonus tracks.
@mikewassmusic what’s her favorite thing about being married?
— wafa x (@wafahey) April 27, 2014
My favorite thing about being married is that it’s just the same as having a boyfriend. It’s just the same but we’ve got a stronger bond and there’s commitment and all that nice stuff.
— Jae (@Notnowcher) April 27, 2014
— SIRENS VID IN 1 HOUR (@cherbrauhl) April 27, 2014
I should hope so! If not I’ll be mad!
— Ryan ok (@Ryan13CLA) April 27, 2014
It’s not released yet. Does the title not say it all?
— Kayla (@KaylaPritchett0) April 27, 2014
Oh my god! Well my mum had four and Craig’s mum had four, so I would like four and I would like them close together.
— Andy Matelski (@Spoilsmacker) April 27, 2014
[Laughs]. Slightly similar to living in a tent. Try it out.
— Elliot Edwards (@elliiioooottttt) April 27, 2014
Too hard to say but I remember the day I got number one in the UK. That was a pretty insane day. It was my birthday. I think it might have been my 18th birthday and I got number one and I just remember going out that night and celebrating my birthday and the fact that I had just got a number one. Me and my husband were jumping on the bed like children.
— Scarlet (@SorryImLateMate) April 27, 2014
I wouldn’t say I’m angry. I’d say that these things happen. The one thing that makes me the most angry is that it’s not within my control. There’s nothing that I can do about it. Now they have it and they can now talk about it proudly instead of feeling guilty for having it when they’re not supposed to.
— Fathma…vote fo me (@xxxcherbearxxx) April 27, 2014
I don’t know because that’s her song. But if she was to say do you want to do a video to the song, I’d most definitely. It would be a pretty cool video.
— ♡ Lloyd ♡ (@cherbearmyworld) April 27, 2014
I don’t have a favorite because it’s like picking a favorite child. You can’t do that. I feel like “Good Night” is one that sticks out. I think I’m most proud of that.
Are you excited to hear Sorry, I’m Late? Let us know in the comments below.
Get an eyeful of even more pop music coverage, from artist interviews to exclusive performances, on Idolator’s YouTube channel.


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Ryan Leslie hit the stage in City Hall yesterday along with rappers M-Dot, Wiz Khalifa, Young Riot. Fab! Friend Justin Springer who was behind the gates and took these photos of the days events! Even the mayor was “cool” enough to show up. Thanks Justin! More photos to come!
The event got more than a bit crazy when Khalifa hit the stage, as seen in the You Tube video by Freshmelody.blogspot.com. Fortunately the police quickly contained the crowd and Khalifa was still allowed to perform. What was wrong with ‘chall? *smh

domain: celebrity