text:
Technology and global finance have radically reshaped employment, social progress, investment, and national fortunes. With a robust and committed policy of openness, America has been a prime beneficiary of these developments. Free markets ensured that the right people could be mobilized in the right places with the right investments. Global capital seeks the best opportunities wherever it can find them, and, fortunately for the United States, that investment often comes to American shores.
The intersection of free markets and global capital is venture capital (VC), the investment dollars behind startup companies. Compared with more liquid public markets, VC has traditionally been under-regulated. After all, why should the government stop someone willing to risk money for potential gain when it can unleash technological progress, innovation, and job growth? That’s starting to change, though, because investing in a startup is no longer just about funding the next wave of innovation. Venture capital today can involve much more—including intentions not aligned with a company’s purposes, as well as goals at odds with the national interest. The openness that has, until recently, been a clear strength in the VC sector is now increasingly a point of vulnerability.
Much of this new challenge comes from China, which is waging an active economic war on American industry the likes of which the U.S. hasn’t faced since the Cold War. As China economic specialist Julian Gewirtz recently wrote in Politico, Chinese elites are “indicating, subtly but unmistakably, that they see global finance as a rising theater of conflict and are considering new ways for China to defend itself and even to retaliate.” While China is by far the most important national actor to watch, it’s not alone in posing challenges to America’s innovation economy, which leads the world in attracting VC investment. Russia, Saudi Arabia, and other nations with less than savory governments have similar objectives—and wallets to match. Saudi Arabia is among the largest investors in Silicon Valley, for example, and China, Russia, and the United Arab Emirates have invested heavily in the coming wave of companies in key emerging industries like artificial intelligence, quantum computing, and next-generation silicon semiconductors.
Everyone from economic-development leaders and national security officials to startup founders and policymakers should be alert to the changing composition—and intentions—of America’s VC investors. The Trump administration has begun to address these new realities, but a much broader conversation is needed about how to defend the openness that defines the American innovation economy from bad actors. One important part of a solution: better enforcement of disclosure requirements around company ownership and VC investment to ensure clarity about the origins of these investments. No foreign adversary should be able to access America’s most promising startups without raising a red flag. How the U.S. handles this shifting economic and political landscape will determine who owns—and ultimately profits from—technological growth.
The concept behind venture capital is straightforward. VC investors allocate money across a portfolio of early-stage companies that they believe will increase in value dramatically in the coming years. It’s not uncommon for one company to provide the bulk of returns for an investor’s portfolio, while many other startups yield nothing. The investors help the companies grow, secure follow-on investment, and ultimately exit when the company is acquired by a larger firm or when it debuts on public markets in an IPO. Historically, the dollars underwriting VC firms came from a handful of players: university endowments, nonprofits, family investment offices, and pension funds (which started investing in such alternative assets in the 1970s). VC offered a compelling proposition: investors could secure a financial return while also supporting innovation and job growth.
Venture capital is flooding U.S. markets today. Over the past two years, according to the National Venture Capital Association, VCs invested $138 billion on average annually, compared with $36.5 billion annually at the start of the past decade. Heavy demand from overseas investors looking to seed promising startups has been a major driver of this expansion. Financial-data service Refinitiv estimates that foreign VC in U.S. companies totaled roughly $51 billion in the first three quarters of 2019, the most recent data available.
And yet, while more money for more startups sounds good, the interests of some overseas investors and those of the domestic startups that they invest in are diverging. The disconnect is most obvious in regard to China, which has made catching up with, and surpassing, American technological supremacy a national mandate through its Made in China 2025 plan, which envisions market leadership in critical technology industries. China has invested billions in startups in the United States through various state-backed VC fund entities. Why does China invest overseas if it wants market domination at home? Unpacking this puzzle gets at the deeper challenges of global VC. Venture capital isn’t just money wired to a company’s balance sheet, but rather a preferred security that typically affords additional protections to investors and can also offer them secondary advantages. Among those advantages: information rights, governance rights, and employee-data rights, plus opportunities to rebrand their reputations.
Information rights are perhaps the most important. Investors have the right to see a company’s books, and often its technology, in order to understand the context for their investment. Individually, information rights provide vignettes of an emerging market; in aggregate, they can provide a comprehensive picture of the course of a new industry—often before any other source of data makes it clear.
Conducting hundreds of VC deals in recent years, China’s investors have secured access to the financial and business data of many of America’s next-generation startups—and perhaps to their technological road maps, too. For years, researchers and Justice Department prosecutors have watched as China launched state-directed industrial-espionage campaigns against America’s top tech companies and defense contractors. Add the data gleaned from those campaigns with the aggregate internal data of hundreds of startups on the technological frontier, and together, the country has at least a blueprint for reaching the goals of Made in China 2025.
Second, governance rights give investors a say in the strategic direction of a company, often complemented by a seat on its board of directors. Rights of first notification and first refusal inform investors that a change of ownership is imminent, providing them with a mechanism to counter-offer or outright block a sale. Collectively, governance rights provide investors with critical behind-the-scenes insights on the strategic direction of different industries. Knowing, say, that Google is seeking a certain artificial-intelligence technology or that Apple needs a certain chip design for its next smartphone (and how much it is willing to pay for it) gives investors a competitive edge that might be years away from being written about in the business press. Furthermore, investors can then use their board seats not just to learn about an industry but also to shape its evolution. They can determine which competing acquisition offer to select, perhaps directing a company to take a compelling overseas offer over a local one that might be more in line with American interests.
A third benefit of these investor rights is access to employee-salary data. Company boards must authorize the salaries and equity packages offered to high-ranking employees, including leading engineers and scientists. China has made it a top priority to repatriate thousands of talented Chinese nationals back to the mainland and to cultivate international science and technology leaders through efforts like the Thousand Talents Program.
In January, federal prosecutors charged the chairman of Harvard’s chemistry department with failing to report payments—$50,000 a month, with an additional $150,000 annually for living expenses—from these sorts of Chinese programs. The arrangement spanned several years. Meantime, a compilation of similar cases by the Wall Street Journal finds that some researchers have received as much as $14 million in payments for moving their research and know-how to China. Knowing precisely the incomes and other compensation of potential recruits provides key intelligence on America’s top talent, making future recruiting operations easier for China’s operatives.
Finally, VC offers an opportunity to launder dismal human rights records. Saudi Arabia and other nations in the Middle East have heavily invested in VC funds and directly into technology companies over the last few years, ostensibly to transition away from their hydrocarbon-dependent economies. Middle Eastern sovereign wealth became most visible with the launch of the Vision Fund by Japanese telecom giant SoftBank, which broke all fund-raising records with its debut $93 billion VC fund. Saudi Arabia invested $45 billion, and another $15 billion came from Mubadala, the sovereign wealth fund of Abu Dhabi. The Vision Fund’s ambition to bankroll the future of technology was widely lauded in Silicon Valley until the torture and murder of Saudi dissident and Washington Post columnist Jamal Khashoggi inside the Saudi embassy in Istanbul in 2018. Since then, the fund has faced a drumbeat of questions about human rights, and Silicon Valley technology workers have increasingly demanded answers to where the capital behind their companies comes from.
What’s ultimately at stake with such investments is the power of narrative. Russia can claim that it’s investing in the future even as it tests a so-called kill switch for its domestic Internet to control dissidents of Vladimir Putin’s regime. China can back a startup developing facial-recognition technology, even while it uses facial recognition to track down and imprison hundreds of thousands of Uyghur citizens in Xinjiang.
Such is the complexity of international VC that a return on investment may be the last priority for some of these overseas dollars. Collecting strategic insights, shaping a cutting-edge industry, gaining an advantage in recruiting, and transforming political perceptions may be so valuable in and of themselves that no financial return is even necessary.
Entrepreneurs are caught in a bind. On the one hand, they can’t outright reject inbound investment offers—they need venture capital, after all, and if they don’t take it, their competitors may take it instead. On the other hand, taking capital can come with severe yet subtle consequences that may reveal themselves only in the long term. Increasing recognition of some of the potentially problematic implications of global venture capital has led to policy and legal changes by the Trump administration and Congress, as well as a new program at the Pentagon. Yet such efforts are likely to have limited impact, especially in private markets, where transparency in ownership is increasingly not the norm.
The primary mechanism for protecting America’s technology companies is the Committee on Foreign Investment in the United States. Dating to the Korean War era, CFIUS is an interagency body, chaired by the Treasury secretary, that reviews foreign takeovers of domestic companies in sectors deemed critical to U.S. national security. While the committee has relatively broad remit under its enabling legislation, it has been all but useless in the intervening decades, despite the growing interest in American technology companies from foreign actors. CFIUS reviews were, until recently, mostly voluntary and submitted only for the largest financial transactions—and even then, only in cases where a majority of a company was being bought by a foreign buyer. From 2008 to 2012, a total of 538 notices were delivered to the committee, and only one was blocked by presidential order—a buyout by a Chinese construction company of a wind farm located near a U.S. Navy weapons-training facility.
One extraordinary example of a recent CFIUS action took place in early 2019, when the committee forced Chinese video-game company Beijing Kunlun to divest its acquisition of Grindr, a popular gay dating and hookup app, which it had acquired several years earlier. Trump administration officials were reportedly concerned that the app’s detailed profile data of gay users could provide Beijing with useful kompromat, information that might be used for blackmail in intelligence operations.
Other than such rare enforcement actions, though, analysts widely considered CFIUS to be toothless in defending America’s technological interests. So with broad bipartisan support in Congress and a signature from President Trump, an overhaul of CFIUS, called the Foreign Investment and Risk Review Modernization Act, or FIRRMA, was passed in mid-2018 and is taking effect this year. Under the new FIRRMA rules, non-majority investments may need to be reviewed, particularly for companies working in “critical technologies” and “critical infrastructure” areas. These are precisely the sorts of investments typical in venture capital.
Unfortunately, these regulations remain largely voluntary. Greater enforcement and the concomitant regulatory risk will likely lead more firms to submit for a CFIUS review in order to secure a “safe harbor,” which prevents the committee from retroactively reviewing a transaction, as it did in the Beijing Kunlun / Grindr case. The long-term effects of this legislation are likely to be modest.
In addition to modernizing CFIUS, defense officials have become deeply concerned about foreign infiltration of VC in areas critical to the Pentagon’s supply chains. Last year, Undersecretary of Defense for Acquisition and Sustainment Ellen Lord launched a program called the Trusted Capital Marketplace to create a secure, nationalized source of VC for startups in the defense-technology space. The idea is to vet “trustworthy” VC investors (perhaps resembling existing background checks conducted by the department) and connect them with entrepreneurs. While the details are not fully fleshed out, the program’s first priority is the autonomous drone market. The FIRRMA reform and the outline of the Trusted Capital Marketplace should both be lauded for providing some security to American entrepreneurs, even if it comes at the expense of fully open access to global capital markets.
What neither of these initiatives can account for, though, is just how little information we have on foreign ownership of American startups. Unlike public securities, which must be registered with the Securities and Exchange Commission and go through a public process of disclosure by filing an S-1 form, many startup investments are not disclosed to the SEC. Typically, startups file a Form D with the SEC declaring a new round of venture capital, which can exempt them from much of the complexity of individual state securities regulations under what are known as Blue Sky laws.
Yet investigative reporting that I conducted in 2018 and 2019 at TechCrunch revealed that the legal culture around startups and these filings has become less transparent. Lawyers I interviewed explained that, while Form Ds are often required or highly recommended in order to avoid legal repercussions, they increasingly advised clients against filing these forms, since SEC enforcement has been lax and startup founders often want to keep investment details secret from competitors—and sometimes even their own employees. It’s not uncommon for filings to be delayed months or never filed, particularly for the smallest VC rounds, making it nearly impossible for anyone to know the origins or destinations of venture capital.
Worse, startup founders themselves often don’t know where the capital invested in their company comes from. VC firms are barely required to file any information about their own fund investors, which means that a startup—even in a technologically critical industry—may not even realize that it is accepting investment from a foreign adversary. The system essentially works on reference, trust, and reputation—an open system, easily exploited by those who understand its patterns.
That’s partially why China has maintained such strict control over foreign capital in its own markets. Chinese securities remain out of reach for many global investors, and the country has also taken steps to bring greater portions of the economy under its direct control. Companies in China increasingly require their boards of directors to obtain consent from the Chinese Communist Party before making “material” decisions, and the country has launched a new stock exchange, the STAR Market, to compete with NASDAQ and offer an exit route for Chinese startups.
None of these top-down, command-and-control policies makes sense in America’s free-market context. One easy fix, however, would be to extend the ideal of the Pentagon’s Trusted Capital Marketplace to the whole VC economy. Rather than just creating a market of trusted VC partners for national security–sensitive startups, all venture firm fund-raising and startup venture-funding rounds from nontrusted foreign partners should face mandatory disclosure requirements.
Such disclosures will help policymakers comprehend the scale of this challenge, help entrepreneurs select capital that comes without strings attached, and reassure employees that they aren’t working for oppressive regimes while they program code into their keyboards. Even better, this approach is relatively noninterventionist—it can use disclosure frameworks already mandated by the SEC to minimize bureaucratic hassles. When an investor’s intentions are opaque, only further disclosure will provide the necessary sunlight to protect American markets.
America has benefited for decades from an open approach to international capital. Global capital and talent flows have flooded the U.S. with the resources and smarts that it needs to stay at the forefront of global technology innovation. America should take no action that would cripple or weaken its leadership in this area or undermine the dollar’s status as the global reserve currency.
Yet it’s also clear that international VC can no longer be considered just more dollars for more entrepreneurs, without other potential consequences. Overseas investment often comes with its own agendas, which may diverge from those of the United States and its entrepreneurs. Whether it’s learning about market strategy, changing industry outcomes, acquiring intel on workers, or remaking reputations, VC investments can have many secondary benefits beyond a return on capital.
The Trump administration and Congress should be lauded for beginning to confront these new challenges, but much more needs to be done. Policymakers need more resources and data to understand the problem, and that starts with better disclosure requirements for VC firms and startup-funding rounds that take overseas dollars without the knowledge of the Treasury or the SEC—bringing an evenhanded, if incremental, level of transparency to an otherwise dark part of the innovation market. Global venture capital needs to be understood within its national context before the advantages that the United States holds are eroded.
Illustrations by Patric Sandri

domain: finance


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2 killed as truck dashed into tree
Lucknow, July 8 (UNI) Two people were killed and as many grievously injured after a speeding mini truck rammed into a roadside tree in Mohanlalganj area of the Uttar Pradesh capital today.
The ill-fated vehicle, on way to Mirzapur, dashed into a roadside tree on Lucknow-Allahabad highway, killing two passengers on the spot.
The injured were rushed to hospital in a critical condition, police said.
The deceased were identified as Rohit (15) and Surajmal (20).


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- 4 of 7 copies available at Evergreen Indiana.
0 current holds with 7 total copies.
|Location||Call Number / Copy Notes||Barcode||Shelving Location||Status||Due Date|
|Butler Public Library - Butler||FIC CHASE S Shaughnessy 3 (Text)||73174005028440||Adult: Fiction||Checked out||12/05/2016|
|Eckhart Public Library - Main||F CHASE samantha sb bk.3 (Text)||840191002253371||New Fiction - Main Floor||Available||-|
|Jefferson County Public Library - Madison||PB F (Text)||39391006755449||Paperbacks||Available||-|
|Montezuma Public Library - Montezuma||ROM CHAS (Text)||36754000293605||Romance Fiction||Checked out||12/23/2016|
|Plainfield-Guilford Township Public Library||FIC Chase (Text)||31208912458033||new paperback||Available||-|
|Poseyville Carnegie Public Library - Poseyville||PBK F Chas (Text)||70651000025082||Paperback (Fiction)||Available||-|
|Seymour Main Library||ROMANCE FIC CHASE (Text)||9781492616283S||On Order||On order||-|
- ISBN: 9781492616283
- Physical Description: 344 pages ; 18 cm.
- Publisher: Naperville, Illinois : Sourcebooks Casablanca,
|General Note:|| Includes an excerpt from This is our song.
|Summary, etc.:|| "Quinn Shaughnessy believes there's a lot more to life than romance, and he always thought his best friend Anna agreed. But now she's coming out of her shell and dating--and Quinn starts seeing her in a very different light. Anna can tell Quinn anything, except the big secret she's been hiding for years--that she's fallen in love with him. Now Anna is determined to make a life for herself that doesn't include hopeless pining"--Amazon.com.
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domain: library


Many Republican contenders for the U.S. House and Senate and state governor, secretary of state, and attorney general have a good chance of winning. They all mistrust the 2020 election’s validity and are the GOP’s new normal.
CEO Mike Lindell of MyPillow Inc. claims the FBI seized his phone because of his disseminated claims about voter fraud. Lindell also said they questioned him regarding a Colorado county election clerk allegedly involved in a voting machine security breach. Lindell was asked about the alleged involvement of a Colorado county election clerk responsible for the security breach.
A Georgia grand jury is investigating interference in the 2020 election by John Eastman, the lawyer who developed former President Donald Trump’s strategy to overturn Joe Biden’s election victory.
A judge ruled on Monday that Georgia Gov. Brian Kemp must testify before a special grand jury regarding the investigation on former President Donald Trump regarding his perceived attempts to overthrow the state’s 2020 election results.


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The First Time I Saw Him I Considered
Washing Him Down The Drain
Dapper little bug. Definitely not
a cockroach. Something in him brought about
an immediate sympathy. Perhaps the little golden
knobs on each scallop of his butter-brown shield
back. His crisp dust dry skin. Alas, poor friend. I begin
a slow trickle of water. Turn for the toothbrush. He’s alive!
Having made the journey like a mighty Tonka truck
from the drainplug to begin the ascent to the taps.
Yes, I’m startled. But not by him. By my willingness to assume
the worst. The worst? Death in a bug? And a few days later, alas,
he is dead in my shoe. No! A little dry tap against my stockinged
toe and he’s in the dust beneath the radiator. Moving with solid
dignity. And at my bedside. Beside the Bible and my cough syrup.
Sticky footed. But moving. Oh! I did not know you had wings!
My friend. But. It has been six months now. A year. Now, in the lamp
by the doorway, dull wings still as the bulb blazes. I tip you out. You
have caught in the sharp silver collar of the fixture. A shake or two.
Dust on the floor. I turn to other work. When I put the house to bed
you are on the edge of the hot globe, wings open, ready to launch. Out.
The Maiden Flight of the Bumblebee/
The Mating Flight of the Drone
What is the name that your father won’t hear?
What does he wear in the morning?
What did he bury outside the glass door?
Why are his pockets still empty?
(The trees of the ancients were carved into spears
to battle the star of the morning
they painted the doorways with umber and lead
they tied up their hearts in bright baskets)
Who did your father dance with in April?
What music played in the hall?
Who does he bow to? Who are his masters?
What name is scarred on his neck?
(The heaviest boulders were tipped on their sides
the lichen they wore grew two faces
the bears made a cave of the mountain’s reply
their skulls made a fountain in springtide)
your laughter begins
as a loud cry. It startles.
It blocks off my work.
You do not hear it. Your ears
open to your own music.
Pediatrician Kelley White worked in inner city Philadelphia and now works in rural New Hampshire. Her poems have appeared in journals including Exquisite Corpse, Rattle and JAMA. Her most recent books are TOXIC ENVIRONMENT (Boston Poet Press) and TWO BIRDS IN FLAME (Beech River Books.) She received a 2008 Pennsylvania Council on the Arts grant.

domain: artistic


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Toronto FC signs ex-PSG defender Van der Wiel
Transfers Toronto FC signs former PSG defender Van der Wiel Goal Last updated 1 year ago 00:34 2/2/18 FacebookTwitterRedditcopy Comments(0) seskimphoto.com Transfers Toronto MLS The Reds have completed a move for the Dutch international right back, who will replace Steven Beitashour in the defending MLS Cup champions’ backline Toronto FC on Thursday announced the signing of Gregory van der Wiel on a transfer from Italian club Cagliari, using targeted allocation money to add the Dutch defender.Van der Wiel joined Cagliari last summer from Turkish side Fenerbahce, but made just five Serie A appearances before completing the move to Major League Soccer. The 29-year-old has also played for Ajax and Paris Saint-Germain during his 10-year career.On the international level, Van der Wiel has 46 caps for the Netherlands and was a starter for the 2010 World Cup runner-up. He was also called up for the 2012 Euros. Article continues below Editors’ Picks Lyon treble & England heartbreak: The full story behind Lucy Bronze’s dramatic 2019 Liverpool v Man City is now the league’s biggest rivalry and the bitterness is growing Megan Rapinoe: Born & brilliant in the U.S.A. A Liverpool legend in the making: Behind Virgil van Dijk’s remarkable rise to world’s best player “We are excited to bring Gregory van der Wiel to Toronto FC. He is an experienced player that has played with some big clubs in Europe and has represented his country at multiple international tournaments,” Toronto FC GM Tim Bezbatchenko said in a statement.Toronto FC is coming off a historic season in which the club finished with an MLS-record 69 points during the regular season and lifted its first MLS Cup. TFC believes the addition of Van der Wiel will help “improve” the team as they look to reach the final for the third straight season in 2018.“Gregory has a great defensive sense and will provide an upside on the ball with his strong distribution when in the attacking third,” Bezbatchenko said. “He will be a welcome addition to our club as we continue to strive to improve as a team.”Van der Wiel will likely play on the right side of the Reds’ backline as a replacement for Steven Beitashour, who left the team to sign with LAFC.

domain: news


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Mumbai: The Reserve Bank of India’s (RBI) maiden financial stability report (FSR), released on Thursday, said Indian banks are healthy and can withstand unexpected levels of stress in terms of credit and market risks, but identified rising inflation, high government borrowing and a likely surge in capital flows as key challenges to financial stability in India.
Also Read New analytics from RBI
The wholesale price-based inflation rose to 9.89% in February and analysts expect it to inch closer to 11% in March. The Indian central bank had last week raised its key policy rates by a quarter percentage points each, a month ahead of its annual monetary policy, to rein in inflation.
RBI had set up a financial stability unit sometime back in the wake of the global financial meltdown that followed the collapse of the US investment bank Lehman Brothers Holdings Inc. and plans to prepare FSR periodically like many other global central banks.
Incidentally, finance minister Pranab Mukherjee in the Union Budget proposed to set up an apex level Financial Stability and Development Council to monitor the overall supervision of the economy and large financial conglomerates.
“It is hoped that FSRs will emerge as one of the key instruments for directing pre-emptive policy responses to incipient risks in the financial system,” said RBI deputy governor Shyamla Gopinath.
The stress test conducted by RBI on credit risk, interest rate risk and liquidity risk that commercial banks are running has shown that the Indian banking system is resilient and can withstand any unexpected shocks.
For instance, in the worst case scenario even if all loan accounts restructured after the global meltdown turn bad, the banking system will remain resilient as banks have enough capital. RBI allowed banks to restructure loan accounts where borrowers were not in a position to pay after an unprecedented liquidity crunch hit the financial system.
Going by RBI estimate, even if all such accounts turn bad, the non-performing assets of the banking system will rise by 3 percentage points, but this will not affect the system as banks are well capitalized.
Similarly, Indian banks’ vulnerability to interest rates risk is not significant. They have long-term assets, but most of them are floating rate loans. This means the loans are re-priced periodically in accordance with the rise and fall of interest rates. Indeed they need to set aside a portion of their profits to provide for any loss in the value of their bond portfolio, but such requirement is not huge as they do not need to do so for bulk of their bonds where such an accounting practice is not applicable.
Some banks run liquidity risk, but the risk is not that high as they invest at least 25% of their deposits in government bonds, which they can sell to generate liquidity
“Stress tests for credit and market risk reveal banks’ ability to withstand unexpected levels of stress. The liquidity scenario analysis, however, shows some potential risk. We have to keep in mind that banks were subject to stringent stress conditions, nevertheless the results of the stress test suggest banks will have to monitor their contingency liquidity plans on an ongoing basis,’’ said Gopinath.
Other risk factors are unhedged corporate foreign exchange exposures and funds flow between non-banking financial companies (NBFCs) and banks and mutual funds. The RBI report has, in fact, made a strong pitch for close monitoring of the systematically important non-deposit taking NBFCs.
The report also highlighted the need to evolve a strong supervisory regime for systemically important NBFCs, and enhance the framework for regulation and supervision of financial conglomerates. Gopinath said, “The sector was able to manage the fallout of the crisis without creating systemic issues. However, asset-liability mismatches, credit quality and the interconnected flows between NBFCs and other financial sector entities would need to be closely monitored.’’
The focus is also on “excessive growth in non-insured” deposits. Currently up to Rs1 lakh deposit is insured and the depositors run the risk of losing money beyond this in case a bank goes down under. At present, both strong and week banks pay an identical premium for deposit insurance cover. “There has been a significant element of cross-subsidization”, but the RBI report has ruled out introduction of “risk-based premiums” at this juncture.
Among other risk factors for the Indian financial system, the report identified credit equivalent of off-balance sheet items for banks. Even though they are as low as 3% of the overall balance sheet size of the banking system, but such exposures, particularly related to complex derivatives, are concentrated in a few foreign banks and this “could be a cause for concern”.

domain: economics


The People’s Republic of China has made no secret of its attempts at unifying the Republic of China, also known as Taiwan. Xi Jinping, the chairman of the Communist Party of China, has made unification his top priority in his growingly authoritarian regime.
The U.S. government has prioritized the nation’s defense as both Beijing and Washington head towards a new Cold War. With a potential showdown in the Pacific increasingly veering towards inevitably, there are several contingency options America and its Asian Pacific allies can use against China.
Why a Chinese Invasion Would be Easy to Detect
A potential invasion of Taiwan would be the biggest war the Asian Pacific has seen since World War Two. Countries like the United States and Japan have pledged to defend Taiwan, while the Philippines and Vietnam are in a Cold War with China. The AUKUS coalition was also created to counter Chinese aggression and could also potentially intervene.


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Chargers stake off the market
LOS ANGELES -- San Diego Chargers owner Alex Spanos is no longer looking to sell at least part of his stake in the NFL franchise, a team official said Friday.
The Spanos family terminated a deal with Goldman Sachs Group Inc. in March to find a buyer for some or all of Spanos' 36 percent stake in the team, Chargers spokesman Mark Fabiani said.
Reports that shares in the team were being shopped around last year set off speculation that the franchise, which has been struggling to have ...
Read full story


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Michael Lee Chin of NCB, recently presented awards in the NCB Foundation’s annual flagship scholarship and grants programme. Parish champions received $250,000 each per year for the duration of their undergraduate programme.
The scholarship programme is now in its ninth year. It provides financial assistance to more than 350 students from the primary to tertiary level. This year, the full scholarship fund was increased from $25 million to $30 million


101mm TURBO CTS-V - 1200hp Cadillac!!!
This was probably the NUTTIEST car we encountered at the Pikes Peak Air Strip Attack - this 1170hp 101mm turbo equipped Cadillac CTS-V was turning heads everywhere it went. Hop into the passenger seat as we race down the 1/2 mile raceway at over 180 mph!
4G63 Mitsubishi Powered Mustang - WTF?!
Never would have thought we would see a 122ci 4G63 Mitsubishi powered Fox Body Mustang when we went to Georgia for the LIGHTS OUT V drag race (DVD Pre Order - http://freelifefilms.com/?p=1082) This unique x275 car, built by CDub Racing out of Louisville, KY caught everyones attention at the race just by the freak noise that it put out compared to the rest of the field. Full article on the car - http://www.dragzine.com/news/jesse-abeles-mitsubishi-4g63-powered-fox-body- Mustang-build/
Sexy Kayla goes 180MPH in a 1600hp Lambo
Kaylas first time in a Lamborghini and it just so happens to be one of the fastest street driven Lambos in the world, a Twin turbo 1550+hp Underground Racing Lamborghini Gallardo! Watch her reaction, it's great! Check out Part 2, coming soon for the $100 game! Kaylas Twitter & Instagram: @whosekayla
The HEAVY CHEVY - 2500hp TT Impala SS
Rick Wetherbee's 2500hp Impala SS drag car was one of the most unique cars we saw run in the RADIAL VS THE WORLD radial class at Lights Out V in Georgia. This car likely won't be taking home the quickest E/T in the class, but DAMN it's movie down the track! This wicked Impala is running a 540ci motor with twin 91mm turbos and a Power Glide, watch one of his shake down passes at Lights Out V


The WSD Strategic Plan discusses goals and strategies to be addressed by the District in the next five years, beginning with fiscal year 2015. These goals and strategies serve as the foundation for the District Improvement Plan, Regional Improvement Plans and Campus Improvement Plans. Performance measures as they relate to the goals and strategies identified herein are established in the District Improvement Plan. These performance measures are reviewed annually.
NEW - Learning equals possibilities - "Being incarcerated since I was young, I have had my share of trials and struggles. But knowing every morning that I may..."
NEW - I’m so grateful I took welding -
"I’m so grateful I took welding; I’ve come so far in my career because the things I was taught in that program".
NEW - I can now make a living. I’m free - "The welding program helped me build character. Mr. Perry taught me how to talk like a welder..."
NEW - I learned to change my perspective - "It’s the education I learned in Cognitive Intervention class that changed me. I learned to change my perspective."


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The chat was part of Grohl’s unscripted reality show From Cradle to Stage with his mom Virginia Hanlon Grohl. The Lee episode is the final show in the six-part series, and it airs on Thursday, June 10 on Paramount+.
In it, Geddy Lee — born Gary Lee Weinrib — and his mom, Mary Weinrib, speak about their Jewish family history. “From a very early age, I knew my parents were holocaust survivors,” Lee says in the clip.
On a lighter note, Lee’s mother, a petite woman with a blonde bob haircut, talks about seeing her son perform in the early days. When Hanlon Grohl asks Weinrib if she thought her son would be famous, she replied “Are you kidding? Never.”
The meeting takes place at Lee’s home. Watch the clip below.
The series debuted May 6 and was inspired by Hanlon Grohl and her critically-acclaimed book, From Cradle to Stage: Stories from the Mothers Who Rocked and Raised Rock Stars.
“I believe that the relationship between a musician and their mother is so important because it’s the foundation of their understanding of love, which is surely every artist’s greatest muse,” Grohl said in a statement at the time.
The show has seen a plethora of moms and musical offspring, including Dan Reynolds (of Imagine Dragons) and Christene Reynolds, Pharrell and Dr. Carolyn Williams, Miranda and Bev Lambert, Brandi and Teresa Carlile, and Tom (of Rage Against the Machine) and Mary Morello.


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Today, I’m at a local coffee shop writing. I should clarify: I’m supposed to be writing, but I’m distracted. My attention continues to be tangled up in the conversations of others. Most have been quite depressing. I find myself pretending to be reading or typing on my computer when all I’m really doing is praying for people.
Some days I wake up with a plan. Today was one of those days. I woke up, did some cleaning, made the twin’s breakfast and then hurried out the door to get us all to the dentist for our checkups and cleanings. After that, I dropped Sam and Grace off at my mother’s house for the day. I am determined to finish the new book I’m working on. I came here to write! But in actuality, I didn’t come here to write, I came here to pray.
Our best laid plans are often interrupted by a faithful God who wants us to intercede for another soul through prayer. Obviously, since I’m not here to write today, this is going to be a short post. However, I do want to communicate to you that wherever you are, you can make a difference in another life. You can pray for them.
I decided to quit fighting the distractions and take them as a cue from the Father. My purpose today is different than I intended, but anytime I can be used by God to do something He needs me to do, it’s a productive day.
So, I’m praying for those all around me. And as I write this, I’m praying for you too!
May you see the beauty of God today as you wrestle with whatever is thrown your way. May you recognize hope in every situation. May you give thanks for every blessing you have. And may every tear turn to joy. I pray that you will take a moment to pray for another. Maybe it’s the lady at the table next to you. Hey, maybe it’s me… (Hint, hint)
With folded hands and an open heart, we can each make a difference in another life.
God bless you today, friends!

domain: literature


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Lauren London is opening up about how “apprehensive” she initially was about starring as Jonah Hill‘s love interest in Netflix’s You People.
London stars as Amira in the Kenya Barris-directed film, the girlfriend of her Jewish boyfriend Ezra (played by Hill). The rom-com flick follows the happy couple as they work to bring together their parents, Amira’s dad and mom Akbar (Eddie Murphy) and Fatima (Nia Long), and Ezra’s parents Shelley (Julia Louis-Dreyfus) and his casually racist dad, Arnold (David Duchovny).
The Guess Who’s Coming to Dinner-inspired film was directed by Barris and co-written by Hill and tackles issues of racism and cultural/religious differences. The flick’s underlying themes are what initially made London reluctant about taking the role.
“Before doing the movie, I was just apprehensive [if] this a story I want to contribute to,” London told ET. “I just wanted to make sure that is a story that I wanted to contribute to.”
London had a serious talk with the team behind the film about the “soul connection” she knew the movie couple would have to have considering the physical differences between their characters.
“I [also] asked them, ‘OK, well, why her and him?’ Because she was written like hella stylish and he was like this… very low-key [guy],” London explained.
“So, to me, it had to be about their soul connection and not what we saw appearance-wise or [why] we would assume these two people would date. It was about them meeting, connecting and having a soul connection.”
Barris was adamant that London play the role of Amira and revealed how he “begged” her to join the film’s cast.
“The whole point of it was if I’m looking on Twitter and I see Jonah Hill’s dating… certain white actors I’d be like, ‘I’m not blown,'” Barris explained.
“I love Zazie Beetz, but if I saw [her with] Jonah, I wouldn’t be like, ‘What?’ [But] if I saw Jonah Hill was dating Lauren London, I would be like, ‘Hold on, what!?'”
“That’s the movie. That’s why she was so important,” he added.


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SAN ANTONIO – Love otters? Now you can meet them yourself at Animal World & Snake Farm Zoo!
Here are some fun facts about the fun, playful animals:
- These otters are “diurnal,” which means they are active during the day. They are constantly swimming and playing.
- They are agile swimmers and use their large tail as a rudder. They can reach a speed of approximately seven miles an hour. For comparison, the average human swims at two miles an hour.
- They have small claws, strong jaws and sharp teeth.
- One of their favorite treats is herring. “However, for enrichment, they get live prey sometimes, so they get crawfish or live fish," said Jarrod Forthman with Animal World & Snake Farm Zoo.
For more information on the educational otter shows, visit www.AWSFZoo.com.

domain: biology


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Gabby Leibovich admits he feels "a bit purposeless" after selling online retailer Catch to Wesfarmers two months ago.
Mr Leibovich and his brother Hezi Leibovich owned 90 per cent of Catch and walked away with about $207 million from the $230 million deal, some of which Mr Leibovich is investing in group payments startup PayK.
It was bittersweet for Mr Leibovich to see Catch open its first physical store last week inside a Target Store in Melbourne's Highpoint shopping centre offering a "curated selection" of Catch's products.
"That makes me very proud and happy," he told The Age and Sydney Morning Herald in his first interview since the sale. "But at the same time, a little bit sad that I'm not part of the ride going forward. I'm in an in-between period right now."
The serial entrepreneur also founded and sold deals site Scoopon along with investments along the way in Vinomofo, Mumgo, GroceryRun, EatNow and Bookwell.
Mr Leibovich said the brothers were "seriously looking" at an initial public offering for Catch throughout most of 2018 with Catch's advisers working hard to get the prospectus finalised.
Let's be honest, time is money and none of us have the time.Gabby Leibovich
"Sometime towards the end of 2018, we were told that we cannot list simply because the market was a little bit choppy," he said. "We accepted that."
The Leibovichs put the IPO on ice and "completely out of the blue" were approached by Wesfarmers.
"That led to a meeting where they showed and expressed an interest in the business and praised us as to how much they love what we managed to create over a period of 13 years," he said.
"Myself and my brother felt that we have taken the business as far as we can. I think it was a win-win transaction for all parties."
Mr Leibovich said the $230 million paid was "very fair for both parties" and Wesfarmers could take Catch and its 500 employees to "greater heights".
He said the attraction for Wesfarmers was Catch's ecommerce expertise.
"We are leaders in digital and marketing and sourcing and one part that they really loved is our logistics capability," he said. "We've got 70,000 square metres of state of the art warehousing in western Melbourne and we seem to be doing it better than anyone else in the country. And in order to build what we have built would have taken them or anyone else years to do. And let's be honest, time is money and none of us have the time"
Mr Leibovich said he was trying to "take a break" but has found time to meet with one or two startup founders a week who are looking for advice or financial support.
The Leibovich brothers started investing in startups back in 2005 after selling Eat Now to MenuLog and since then have invested in around 15 different startups.
"We're using our expertise and knowledge and financial backing to support and grow the local community," he said.
The pair identified Israeli payments startup PayBox as a "huge success" in Israel with over 1 million users.
The brothers looked to invest in its Australian expansion when they heard founders Udi Libermann and Tomer Zussman had entered a licensing partnership with the Israel Discount Bank in order to expand internationally as PayK.
"We met the guys, we were super impressed by them and by the product," Mr Leibovich said.
PayK enables users to create groups from within their contacts with each group member prompted to contribute their share while the group creator can watch as funds are deposited in real time before finally withdrawing the collected money into their nominated account.
"They definitely have found a solution to an age-old problem and that's what startups really do," Mr Leibovich said. "We all understand the problem of group payments. I remember playing indoor soccer and no one really had any any money to pay the the organiser and then one person ends up paying for the whole team. We take away the discomfort of chasing funds."
Mr Leibovich won't disclose the amount he has invested in PayK but said it was a minority stake with no board seat.
"We invest in great ideas and invest in great teams," he said."One of the lines that that I always believe in when it comes to running businesses is hire or invest in people smarter than yourself, and don't tell them what to do. It really seems to have worked for us both both in our own businesses and in our investments."


Now departing from Ontario International Airport: Los Angeles.
The uneasy partnership between Ontario and L.A. was publicly dissolved Wednesday amid smiles and hugs in a ceremony in Terminal 4. L.A.’s return of the airport came 49 years after taking on its management and 31 years after getting the deed.
With the transfer, the facility is no longer LA/Ontario International Airport, a geography-straddling name that might as well have been the Los Angeles Airport of Ontario.
Now it’s plain old Ontario International Airport again. It’s the name you know, the airport you grew up with. Catch the fever.
L.A.’s exit from ONT has no shorthand name, so let me propose one: Lexit.
The handover, which took place Tuesday, has resulted in a few modest changes so far. A banner behind the Travelers Aid desk sporting portraits of the mayors of Ontario and Los Angeles is down. ONT now has a local website, flyontario.com. And new screens are being installed for arrival and departure information.
Airport staff will focus into spring on “aesthetic things,” CEO Kelly Fredericks told me: better signs, landscaping, food and drink options before security screening, an improved welcome center, little things that travelers will notice.
The bigger things they’ll notice — more flights and cheaper tickets — will take more time.
Some 300 people turned out for the ceremony in Terminal 4, including Sen. Dianne Feinstein, State Treasurer John Chiang, several members of Congress, L.A. Mayor Eric Garcetti and Tommy Lasorda, the L.A. icon who had filmed a commercial for Ontario’s “Set ONTario Free” campaign.
I was present too to see history being made. It turned out I was also there to be bored out of my mind by nearly two hours of speeches.
Ideally, L.A. would have said merely “Here you go,” and the Inland Empire would have replied, “Don’t let the automatic doors hit you on the way out.”
Ontario’s name is on the airport, but it’s not Ontario’s airport exactly. The city has two of five seats on the Ontario International Airport Authority, the entity that operates the facility. San Bernardino, Riverside and Orange counties each have one seat.
Of all the reasons the deal came together, “the fact that the region got involved was No. 1,” Alan Wapner, an Ontario councilman and president of the authority, told me.
Back in 1985, then-mayor Bob Ellingwood, who hated giving up the airport to L.A., made a prediction on how to get it back. The “ultimate solution,” he said, “is an airport authority that represents the area and not the controlling city.”
Still, convincing the city of Los Angeles to hand back an asset it had its hooks in for nearly half a century struck many of us as a quixotic goal. You know, like the Cubs winning a World Series. Garcetti’s predecessor, Antonio Villaraigosa, had flatly ruled out a transfer.
But Ontario mounted a full-court press, sending out thousands of memory sticks with material to make its case, launching a social media campaign that led to public pressure and filing a lawsuit against L.A.
“We were never going to start something we weren’t going to finish,” Chris Hughes, who was city manager from 2010 to 2013, told me Wednesday. Hughes gives the City Council credit for not wavering.
Feinstein inserted herself into the matter, apparently after hearing from enough constituents and legislators, convening a dinner with Wapner and Garcetti and asking them to figure it out. “Eric and I kind of scratched on the back of a napkin how it was going to work,” Wapner recalled, and Garcetti told his airport director to resume negotiations.
“She knows how to knock heads in the most graceful of ways,” Garcetti said of Feinstein.
As for cutting the airport loose, “we think power is what we cling to, and we forget power is sometimes what we’re willing to give up,” Garcetti opined.
Wapner told me he never doubted Ontario would succeed in getting the airport back. In his remarks, FAA Administrator Michael Huerta was less sure.
“The betting line in Vegas would have been against this venture,” Huerta quipped. Even the president of the United States had to sign a bill to achieve this end.
How would one characterize the achievement?
Jim Bowman, an Ontario councilman and authority member, often invokes David and Goliath. Lucy Dunn, an authority member from Orange County, has likened the victory to “a goldfish that swallowed a whale.” Huerta used another animal metaphor: “Ontario, you are now the dog that caught the car.”
What do they do now that they’ve caught it? The Inland Empire will be watching.
David Allen watches Friday, Sunday and Wednesday. Contact firstname.lastname@example.org or 909-483-9339, visit insidesocal.com/davidallen, like davidallencolumnist on Facebook and follow @davidallen909 on Twitter.
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Harry Potter fans that watched the Fantastic Beasts: The Crimes of Grindelwald Official Teaser Trailer probably noticed the Thestrals… or maybe you didn’t since they are invisible to all who have never been truly touched by death.
Harry Potter and Luna Lovegood appreciate them and now you can to with the Harry Potter Thestral Premium Puzzle. This 1,000 piece puzzle will measure 19″ x 27″ when finished and will look good mounted on your wall or desk.
Piece together this challenging 1000 piece premium puzzle representing the mysterious and eerie Thestral.
Like the Harry Potter Collage 3000 Piece Puzzle, the Harry Potter Thestral Premium Puzzle is sure to excite fans. And it will be available soon at USAopoly.com.
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domain: entertainment


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GMO Labeling – Business Move vs. Ethical Reasons
Genetically modified (GM) foods have been available in US grocery stores since 1994 when the FDA approved the “Flavr Savr” tomato. Today, genetically engineered crops account for 93% of the corn and 95% of the soybeans the US produces.1 Although genetically modified food crops are commonplace, many people are concerned about their potential health and environmental effects, calling for mandatory GMO labeling.
What are GMOs?
The term genetically modified organisms (GMOs) refers to living organisms, mainly food crops, produced through genetic engineering. Genetic engineering involves modifying an organism’s DNA to change its physical attributes in a way that is impossible through conventional cross-breeding.
GM plants typically contain genes from different species to give them favorable characteristics that may protect them from extreme weather, pests, and diseases or increase their nutritional content. Genetic engineering is a form of agricultural biotechnology which aims to make commercial farming easier and less cost-intensive while protecting food security.
GM Food Regulations in the US
The federal government implemented the Coordinated Framework for the Regulation of Biotechnology in 1986. This regulatory policy aims to ensure the safety of biotechnology research and products and assigns regulation responsibilities to the FDA, USDA, and EPA.
The FDA ensures that all GMO ingredients meet the same safety standards as non-GMO foods, while the USDA ensures that GMO crops are not harmful to other plants. The EPA regulates the safety of the plant-incorporated protectants added to GMO crops to make them more resistant to pest attacks.
Additionally, congress passed the National Bioengineered Food Disclosure Standard in July 2016. The legislation defines bioengineered foods as those containing lab-modified genetic material not found in nature and cannot be created through conventional breeding. According to the new law, food manufacturers must disclose the presence of bioengineered ingredients in their products using a symbol, text, or digital link from January 1, 2022.
The Argument for Mandatory GMO Labeling
Various consumer polls2 over the last ten years consistently found that over 90% wanted genetically modified foods to be labeled accordingly. This call for mandatory GMO labeling stems from the belief that people have the right to know what’s in their food. Disclosing GMOs in packaged foods gives consumers more autonomy, allowing them to choose whether they want to buy a product based on its ingredients.
Although the World Health Organization says all commercially available GM foods have passed strict safety tests3 and pose no risk to human health, many still prefer not to eat them. Many anti-GMO groups’ biggest concerns are potential allergen and cancer risks.
The Argument Against Mandatory GMO Labeling
Despite the scientific consensus that GMOs are safe, they have negative connotations which could turn consumers toward foods without the “Bioengineered” label. This shift in consumer behavior may have a ripple effect, causing food manufacturers to reformulate their products and raise prices. The new labeling law may boost sales of organic and non-GMO foods, threatening brands that produce affordable, fortified products which often support low-income households.
Genetic engineering in the food industry has become a controversial topic recently due to polarized opinions and a lack of access to unbiased information. Although the scientific benefits of growing bioengineered crops far outweigh the risks, the non-disclosure of such ingredients in food feeds consumer skepticism. Although the new labeling laws pose significant economic threats, they may also help normalise the consumption of bioengineered products and help consumers regain control of their shopping choices.
Advanced Biotech is a leading supplier of GMO-free flavoring and fragrance ingredients for the food, beverage, and cosmetics industries. Please contact us for more information.


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4.  5. Is there one thing regarding me that produces you concern are having me? 6. What can they feel like for individuals who fully existed around the prospective?
seven. Furthermore important in a romance, physical attraction otherwise relationship? 8. What’s something that you find it difficult taking even though you know that the simple truth is? 9. Any kind of negative attributes about you your concerned you can easily not able to change?
ten. Are there ways you feel just like your moms and dads kind from messed your upwards? 11. Could there be individuals in your lifetime you dislike? 12. What’s the really damage you have actually ever thought by the another person?
13. Have you ever already been physically or mentally mistreated? 14. Can there be everything you provides ever wanted to tell me you to definitely you have not had the nerve to? 15. Do you consider you could potentially ever before forgive me easily cheated on you?
16. What experiences has made you mature many as the one? 17. Could you notice it simple to query other people to own help? 18. What’s something that you understand when it goes was likely to break your own cardiovascular system?
19. For many who died the next day, do you really believe might perish happy? 20. Whenever is the final date you moved away from your own morale region? Exactly how did it be? 21. What physical ability of yours would you feel the really care about-aware of?
Weird issues to ask the man you’re seeing
Not all the conversations must be really deep. If you need some great questions which might be bound to create your boyfriend laugh and invite both of you in order to connect during the an enjoyable, non-intimate way, following these could be higher options for your. Deepen the friendship and enjoy yourself chuckling along with your date by asking him these questions.
step one. If you had a pet unicorn, what would take your pick? 2. Are you willing to urinate into the pools? 3. For those who might possibly be a childrens favourite, that would you choose?
4. What’s something that you like you to anyone else envision is actually terrible? 5. For people who have Elite tanД±Еџma web sitesi any creature since the a pet, what would you decide on? 6. What’s the finest body organ?
eight. Do you don clothing in the home otherwise spend time completely nude? 8. In which try the latest worst set you’ve actually ever farted? 9. Do you really talk to your self in the echo?
ten. How much time you think you’ll survive an effective zombie apocalypse? 11. If you had to help you kiss another kid, who does you choose? 12. What is something which is often on your shopping list?
thirteen. If you hook a seafood, do you really eat it otherwise ignore it? 14. Would you drive on the back of my personal bike? 15. Exactly what do you usually perform while you’re pooping?
Arbitrary questions to inquire of your boyfriend
If you want to maintain your sweetheart on his toes and you will build him laugh, next talking about great discussion beginners for you to use. Not every discussion you’ve got has to be deep and you can significant, thus kick back, calm down appreciate inquiring your special some one next random inquiries.
step 1. How many times would you enter battles having strangers towards the sites? 2. Is there anything that you’re obsessed with? 3. What is the best part on the are a guy?
cuatro. Are you willing to alternatively consume McDonald’s otherwise a salad? 5. For many who can just only wear something for the remainder of everything, what can you select? 6. What is the weirdest crush you ever had?
7. Easily got one thing on my face can you let me know? 8. Do you consider you can pull-off cups? 9. Who’s your preferred cartoon character?
ten. For many who found 5 dollars on the ground, what would you will do involved? 11. Do you really as an alternative inhabit a desert or Antarctica? 12. For people who you certainly will swap existence which have one of the relatives, that would you choose and just why?

domain: psychology


The Laguna Woods Third Mutual board on Tuesday, Jan. 15, passed a resolution to further clarify the LH-21 building storage room rules.
The resolution expanded on a concept solidified by a five-year-old resolution — that all storage rooms must remain unlocked — with more direct language, according to a Village Management Services staff report.
In 2014, staff responded to the board’s approval of disabling the locking mechanism by replacing the door handles with standard knobs. However, as the Garden Villa Association has found, residents are failing to adhere to the current policy, which has been difficult to enforce, the staff report states.
Secretary Roy Bruninghaus said that some residents have attached locks themselves.
The purpose behind this resolution is to “ensure the prevention of any storage practices that may pose a substantial and material threat to the health, safety and well-being of all residents.”
The resolution unanimously passed 11-0-0 upon second reading and takes immediate effect.
Per resident request, VMS’s acting-CEO Siobhan Foster announced that as of Monday, Jan. 14, the Easy Rider fixed-route bus system is temporarily expanding its reach to the Willow Tree Center as a fixed stop on all of its routes.
The trial featuring the additional stop at the Aldi and Dollar Tree stores will last 60 days.
Once the trial expires, the transportation division will evaluate and determine if the destination will become a permanent add-on.
Per changes to the License Disclosure Requirements for Advertising by the State of California Bureau of Real Estate, Third approved updates to the real estate uniform signage policy.
Adding to current policy approved in 2012, the latest additions would require the name and number of the licensee, the name under which the broker is currently licensed by CalBRE and conducts business and the status of the agent.
CalBRE requirements apply when any licensee identification information is listed, including on “for sale,” “open house,” lease, rent or directional signs.
Realtors are being directed to one vendor for signs, as to preserve continuity and proper use of Village trademarks, according to a staff report.
The resolution unanimously passed 11-0-0 upon first reading and will be revisited in February after satisfying a 28-day notification requirement.
If approved next month, updated signage would be required beginning May 1.
The average resale price for a condo in Third Mutual in December was $489,057, up from $482,930 in December 2017, according to a VMS staff report. Resales year-to-date numbered 391, down from 509 the same time last year. Sales volume in December was $13.7 million compared with $18.8 million in December 2017.


Three Aramco Services Company professionals were among the recipients honored during this year’s Society of Petroleum Engineers (SPE) Annual Technical Conference and Exhibition (ATCE) held in San Antonio.
For more than 90 years, SPE has created a platform for sharing technical ideas in oil and gas exploration and production and serving as a place for industry to debut its latest technologies. Aramco has been a long-time supporter of SPE and served as a titanium sponsor and exhibitor.
Aramco professionals chaired sessions and presented more than a dozen technical papers on topics such as data analysis with automated workflows, a method for downhole sand consolidation, technology for mapping hydraulic fractures, and solutions for improving wellbore instability. In-booth presentations were conducted daily highlighting the company’s advances in robotics and a novel solution using a date seed-based particulate product ‘ARC Plug’ in drilling operations.
SPE’s opening general session “Sustainable Oil and Gas: Improving People’s Lives” featured a panel of speakers, including Saudi Aramco’s Khaled A. Buraik, vice president, Southern Area Oil Operations, discussing how Aramco and industry is delivering on a sustainable energy future. Buraik emphasized the key role technology plays in delivering safe, affordable and sustainable energy.
ASC Professionals Receive SPE International Awards
During the Annual Reception and Banquet, seven Aramco professionals were among the honorees who were recognized for their significant technical and professional contributions to the industry and exceptional service and leadership to the society. The three award winners from Aramco Services Company: Mark A. Proett, Formation Evaluation Award; Dr. Anuj Gupta, Distinguished Service Award; and Dr. Hui-hai Lui joined the ranks of SPE Distinguished Membership.
Saudi Aramco President and CEO Amin H. Nasser was awarded SPE’s Distinguished Lifetime Achievement Award which was established in 2013.
Read more about the SPE 2017 International Award Honorees


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Interim Chief Financial Officer Case Study:
Trinity Mother Frances Health System: Tyler, Texas
Warbird provides customized healthcare finance team, including an interim CFO, to help leading health system move forward with key financial initiatives
Recognized as a leader in quality and rated as the number one hospital in the state of Texas for patient safety, Trinity Mother Frances Health System in Tyler was in need of financial leadership after the retirement of its long-time CFO. Trinity had embarked on the construction of a heart hospital and the installation of the EPIC electronic information system yet days of cash-on-hand was strained and the organization was not prepared to enter the bond market for financing.
Lindsey Bradley, president and CEO of Trinity, turned to Warbird Consulting Partners. Working with Warbird, Trinity was able to engage a customized team of healthcare finance experts that included an interim chief financial officer through Warbird’s Healthcare CFO Consulting Network, as well as key financial staff through Warbird’s On-Demand Services. In addition to interim CFO Pamela Vukovich, a healthcare finance expert with more than 29 years’ professional experience, including 11 years as a chief financial officer, Warbird also provided seasoned interim professionals to serve as internal audit director, tax manager and director of physician services, as well as several financial analysts.
Working onsite with the Trinity executive leadership team three-to-four days a week, Pam and the Warbird team collaborated with the hospital’s finance department to devise a detailed plan of action to put the organization on financial track. With her expertise, Pam spearheaded the development of a long-range financial plan that included a return-on-investment analysis for the EPIC and heart hospital projects, and helped define the need for bond financing for expected capital outlays in the next three years.
After the long-range plan was approved by the Trinity finance committee and executive leadership team, Pam prepared the organization for review by Fitch and Moody’s. Trinity’s current ratings were confirmed and Pam led the combined finance team in working with investment bankers to execute a successful bond issue.
In addition to addressing the immediate financial challenges facing Trinity, Pam worked with CEO Lindsey Bradley to restructure the finance department and its functions for long-term improvement, including instituting a department of internal audit, and defining its responsibilities, staffing models and detailed audit programs. She also reviewed Trinity’s investment practices and policies and recommended key changes in cash management and investment allocations to Trinity’s finance committee. All of these changes were implemented and have resulted in a more robust finance function with greater returns and lower risk.
Finally, Pam worked with Lindsey and Trinity COO Ray Thompson to rewrite the CFO job description and provided expert input during the selection process for a permanent CFO. Trinity selected Joyce Hester, an internal candidate, and Pam has continued to consult with Trinity as a mentor for the new CFO with regular update calls to provide counsel in the areas of bond financing, investments and more.
Warbird’s expertise in healthcare finance management and its ability to build a customized On-Demand team to meet the hospital’s specific needs provided the following results for Trinity Mother Frances Health System:
• New Chief Financial Officer
• New bond financing at attractive rates
• Established department of internal audit
• Robust investment policies, including new asset allocations for corporate and retirement funds, and an improved cash management system
• Completed reviews of ratings, which were confirmed
• Restructured bond portfolio with reduced interest expense and lower risk
• Process to review and standardize physician incentive compensation programs
• New record keeping and investment management firm for the system’s 403(b) pension plan, which resulted in significant annual savings to participants
• Long-range financial plan and model, which could be updated by Trinity staff in the future
• Standardized financial analysis and capital analysis


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About Tatiana Owens
MTV "O Music Award" Nominee
A 21 year old Singer/Songwriter/Recording Artist based in Harlem, NY - 2014 Billboard Magazine/Code Pick of the week for her song "Beautiful People" Tatiana Owens feat. DJ Ayres (Treasure Fingers Re-mix)
Tatiana’s music has been featured on CBS, Vh1, MTV, Logo, Lifetime, USA Network, CMT and Showtime. Tatiana was featured in the reality show "Unleashed By Garo" on The Sundance Channel and her song "Pendulum" from the hit Vh1 show “Love and Hip Hop” was nominated for Best Pop Song at the Hollywood Music and Media Awards. Tatiana has performed shows in Los Angeles, New York, Nashville, Detroit, Connecticut and New Jersey. Tatiana's media coverage includes Hits Daily Double - Top 5 Artists To Watch, 2klife Blog Spot, WTVG (ABC Television), All Beats Collected, Fresh New Tracks, Get Lifted Tonight, Music Over Sleep, Musica Electronica, Rock The Rock NYC as well as the cover of Versed Online Magazine. She is a three-time winner of the International Modeling and Talent Association (IMTA) “Best Singer” competition in Los Angeles and New York City and a graduate of the Toledo, Ohio School for the Arts (Crystal Bowersox - American Idol). Tatiana's Off Broadway stage credit includes the part of Faith Evans in "Ready 2 Die" - The Life and Times of Biggie Smalls. Her regional stage credits include “Rent” "Hot Mikado," "42nd Street", "Annie", "All Shook Up", "The Wiz" and "Chorus Line".
Tatiana has worked with such writers/producers as Frankmusik (Ellie Goulding, Lady Gaga, Erasure), Bill Grainer (Jennifer Hudson), Johnny Blk (Jessie J, Claude Kelly, Daughtry), dBerrie (Chris Brown), Ra Domini (MTV, Vh1), Ming (HFM/Dim Mak), and Zebra 1 (Monrose, Sugababes). Tatiana’s VIP/Red Carpet appearances include Indashio Fashion Event, Swizz Beatz Birthday Party and Fashion & Technology (NYC). Tatiana's song "Love War" is available on the Tap Tap Tour App released via Disney and she is a featured artist on VH1.com and Artist.MTV. Tatiana has received over 300,000 views of her You Tube channel as well as over 3 million views of her Taylor Swift Parody for Barely Political. Her song “Dolce DJ” was a Top 20 pick on Kings of Spins and her song "Boy Watcher" has been featured in the CMT show Cheer as well as the MTV show "The Hills" and the DVD release of "The City". Tatiana's song "Winter Holidays" is part of The Make A Wish Foundation's Christmas Holiday CD additionally, Tatiana’s song “Fancy Things” was featured in the 2013 season of Love and Hip Hop. Releases in 2013 include - "Aquarius" DJ dBerrie featuring Tatiana Owens (dBerrie/Flamingo Records); "Black and White" (T&A Records/Seed Distribution) DJ Ayres featuring Bigg Base and Tatiana Owens, with remixes from Scott Melker; "Heavy" (Tasty Records) Boomzers featuring Tatiana Owens; "So Beautiful" (Chill Beat Records U.K.) Sugar Puppies featuring Tatiana Owens with remixes from DJ Ana Paula and DJ Romullo from Brazil as well as Le MAks from Germany and "I Know U Know" (Music Cares) Ben Lindell and Doug Larson featuring Tatiana Owens.
TC Music, LLC
349 5th Avenue
New York, NY 10016
Phone: 646 243 5757

domain: celebrity


The Pederson family was living in their van before they learned about Family Promise of Tualatin Valley, which provides them a place to spend their days and other services to keep them off the streets. From left to right are: Titus, 4; Jeff, 30; Nicole, 34; Adryan, 5, and Sarah, 2. (Randy L. Rasmussen/For The Oregonian/OregonLive)
The Pederson family van couldn’t have broken down at a worse time.
Jeff Pederson, 30, was making a delivery for the courier company Postmates, one of several jobs he works. His wife, Nicole Pederson, 34, was in the passenger seat, their three kids in the back.
The vehicle, which doubled as their home for months, wouldn’t even turn on, Nicole Pederson said.
Repairs would have cost thousands, money they didn’t have and couldn’t hope to save. “That’s the thing people don’t understand,” Jeff Pederson said. “Being poor is expensive.”
Soon after the Saturn broke down, the “Chrysler from Christ,” as Jeff Pederson calls it, came into their lives. A good Samaritan at their church offered to give them a van he’d been fixing up.
Rose Money (left), executive director of Family Promise of Tualatin Valley, sits with Sarah Pederson while talking with the toddler's father, Jeff Pederson. His son Titus is behind Money. (Randy L. Rasmussen/For The Oregonian/OregonLive)
The family was parked in the church lot one morning when a woman offered the parents a business card. If they wanted help, she said, they could get it at Family Promise of Tualatin Valley.
So the Pedersons drove to an unassuming house just off Interstate 205. There, they met Rose Money, the nonprofit’s executive director.
Money decided to start the Tualatin Valley branch of Family Promise, a national nonprofit working to end family homelessness, a little more than two years ago. Back then, she ran the Tigard-Tualatin School District's Caring Closet for children in need and became concerned by the number of homeless families she served on a regular basis.
Details varied, but many students and their parents shared similar stories. Lost jobs and ever-increasing rents put a strain on already thin budgets and wreaked havoc on family finances.
“Consistency is so important,” Money said. “And once you lose it, it takes a lot of work to get back there.”
Nicole Pederson holds her daughter, Sarah, in the kitchen at Family Promise of Tualatin Valley. Their family of five was living on the streets before they came to Family Promise. (Randy L. Rasmussen/For The Oregonian/OregonLive)
Money wanted to do more to help families that confided in her at the clothing closet, so she started researching nonprofits. She settled on Family Promise, which was established in 1986.
The organization’s mission and tactics struck a chord with Money, who became the Tualatin Valley chapter’s executive director when it officially opened in February. The nonprofit, which has an operating budget of $180,000 for the year, has two employees, Rose and Christine Rhoney, a case manager, and counts about 500 volunteers among its ranks.
The chapter is one of eight nonprofits selected as beneficiaries of The Oregonian/OregonLive’s 2019 Season of Sharing holiday fundraising campaign.
>>Donate: Give to Family Promise of Tualatin Valley or to the general Season of Sharing fund.
The Family Promise of Tualatin Valley house features a day-use area for displaced families, which Money calls a “rotational shelter,” and offices for the Family Promise team. There’s enough space for 14 people to use the living space at a given time.
“This is a home. It’s just home for a lot of people,” Money said.
Part of the day-use space at Family Promise of Tualatin Valley. (Randy L. Rasmussen/For The Oregonian/OregonLive)
Families have access to a bathroom, full kitchen and living room. There’s a playroom for children and a computer room where adults can apply for jobs or do homework.
Nobody stays in the house overnight. Family Promise partners with a dozen churches to provide sleeping space. Folks like the Pedersons get access to the Family Promise house from 7 a.m. to 5 p.m. and rotate which church they sleep in from Sunday through Saturday.
The space provides Jeff and Nicole Pederson with a home base while they apply for jobs and for their children to play and rest. Money and a cast of volunteers and caseworkers also check in on the couple, helping them connect to resources that can aid them in finding work or housing.
“It’s been great in helping us get things together,” Jeff Pederson said. “But they’re not necessarily letting us get comfortable.”
Jeff Pederson works the graveyard shift as a caretaker at a nursing home and at an Amazon warehouse. Nicole Pederson is waiting on a background check so she also can work.
Sarah Pederson, 2, relaxes in Family Promise of Tualatin Valley's day-use space with her father, Jeff Pederson, and brothers, Titus, 4 (back left), and Adryan, 5. (Randy L. Rasmussen/For The Oregonian/OregonLive)
They’ve noticed their children are happier, particularly now that they’re well-rested.
Now the Pederson family is working toward paying off various debts so they can afford rent and a security deposit. Jeff Pederson said the grind is much tougher than when he and Nicole were both just working to keep up, but it’s worth it.
“We’re not working to maintain something,” Jeff Pederson said. “We’re working to achieve something.”
What your donation can do:
$15: Covers a week's worth of milk, eggs and bread in the day center kitchen at Family Promise.
$50: Fills the gas tank of a family commuting to and from work and school.
$100: Pays for pre-employment screenings or property rental applications for a family of four.
>> Family Promise of Tualatin Valley
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Dear President-elect Obama:
First, congratulations on your victory. The historical magnitude of your presidential win is nothing short of stupendous and a colossal fulfillment of the American dream (an achievement embedded long ago in the equality clauses of the Declaration of Independence).
It's likely no big surprise that I don't see eye to eye with you politically. Actually, I stand in stark opposition to most of your politics. Still, I realize that we must learn to work together if we are to see our country get back on track. After Election Day, I asked myself, "How can I work for our new president to help better America?" Then a thought occurred to me. The first question that should be answered is: How will you work for me? After all, "We the People" of the United States employ you, correct?
So here are a few ways you might begin to gain the respect of those who oppose you and to show that your campaign pledges to bridge the divides were not empty promises to get you into office. And these requests I make are based upon the inaugural oath you will make Jan. 20, "I do solemnly swear that I will faithfully execute the office of president of the United States and will, to the best of my ability, preserve, protect and defend the Constitution of the United States." No doubt these won't be my only requests through the years, but they serve as a good beginning:
--Use and cite the Constitution. If that constitutional oath ("preserve, protect and defend") is the central duty of your job description, then I assume we will be hearing often from you about exactly how you are doing just that. There is no replacement for strict adherence, application and defense of the Constitution. And it's high time that presidents quit reciting the presidential oath tritely and then abandoning its tenets when they enter the Oval Office. You should be quoting from the Constitution publicly as often as a preacher quotes the Bible to his congregation -- at least weekly. If you take this oath and challenge seriously, you will limit the powers of federal government, reduce taxes (for everyone), encourage the freedom of religion and expression (even in the public square), and stand up for such things as our right to bear arms. The American public and the government have lost their grip on the content and role of the Constitution, but if you daily choose, you can help to re-educate and model its usage for them.

domain: politics


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Jay Alm solo return to The Celt in Idaho Falls. Whiskey soaked raditude gathering what's left of the otter-burned, stripper-splittin' ashes from the last show......damnnnnnnn
"All The Birds Get Dizzy," a spacey, raw acoustic rock-ish album is out and about for your listening pleasure! Buy it direct from the source here: music!!!!! Also available at cdbaby.com, iTunes, amazon, spotify, apple music, last.fm and more... Help support independent music and snag one today!


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Siam Ink TattooPatong, West Phuket
Siam Ink is located in the heart of busy Patong beach, Phuket. The studio, one of the largest on Phuket, is an open space where we pride ourselves on setting a high standard of hygiene as well as artwork.
We aim for the studio to be a place where the customer always feels comfortable, safe and welcome. We do all styles of tattoo to a very high standard, and most of our work is customized. We also offer Thai traditional bamboo tattooing and a full range of body piercing. Our artists are always happy to work together with the customer to create something unique and personal.
Siam Ink Tattoo & Piercing studio, Soi Paradise, Patong, Phuket, Call us on 0816769411
Is this your business?
|141/6-7 Rat-U-Thit 200 Pee Road, Patong, Kathu, Phuket 83150|
|+66 (0)76 341 162|
|+66 (0)89 471 0963|
|Add to Shortlist|
|June 11, 2013|
- Salvatore’s Restaurant & Wine Bar
Great location, in Phuket Town near downtown market, just a few step from the fountain. I love salad
- ShamuShamu Pet Centre
My dog; Richy is a member of this pet centre since 2 years ago. Last Friday, brought him to take gro
- Chaiyo Seafood Restaurant
Over 3 years living in Phuket, I always dine here with my Thai wife on weekends. Seafood is our favo
- Friendship Beach Waterfront Resort
Didn't stay here but spent the day at the beach and had a great lunch. Beautiful and quiet

domain: geography


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Make It: Cut an oval from chipboard; paint it and three clothespins yellow. Add black paint to the tip of each clothespin as shown. Once the paint has dried, let your child use his fingertips to create brown paint spots all over the oval body and clothespin legs and neck. Clip the legs and neck onto the body and glue in place. Glue a yellow pom-pom face onto the neck and adhere a folded chenille stem along the back of the neck to complete the giraffe.
You can also use Google image search to research a project. Unlike the PDF search, the image search provides a photo of what the project will look like, which is helpful in determining if you want to pursue building it. By doing an image search for how to build a step stool, you will have a ton of options that all lead to woodworking plans of various quality. (The how to part of these is important—otherwise you’ll just get pictures of step stools.)
A lot of woodworkers share their projects through their own blogs or YouTube channels. In fact, we’ve shared many of them here before, including, Woodworking for Mere Mortals, The Wood Whisperer, Matthias Wandel, April Wilkerson, Sawdust Girl, House of Wood, FixThisBuildThat, Pneumatic Addict, Build-Basic, Rogue Engineer, Her Tool Belt, and Ana White. The best YouTube woodworkers create great videos, but also provide a complete blog post with a cut list, tools, materials, and instructions. Find your favorites and save them for when you’re doing your searches.
The article explains step by step process for making this awesome piece of wooden art. Although it looks like a job for an intricate carpenter or woodcarver. But it is not. It is actually very easy to make one. All you need are a few pieces of wooden planks, a saw, screws, and plates. I must remind you here that a bit of woodworking skill is needed here too. So if it’s your first rodeo in carpentry, you might need some help from someone experienced. This DIY project is fun and a good sport at the same time. It is as easy on the eyes as it is to build one. If you don’t fancy writing instructions, here’s a video to help you understand its making.
I am sharing here a link to the detailed tutorial written by Pete at diypete.com, who shares the step by step process for making a wonderful barrel coffee table from scratch. He also tells you what items you’ll need for this project and where to find them. For example, you can buy an old whiskey barrel online or from a local whiskey store for a few bucks, if you haven’t already got one.
It's really hard for me to put my art product in one place. I think continuously that what thing should be made to put things in one place than an idea comes into my mind that I must try to make something with the help of wood. I make art supply organizer by using the wood material. This is really helpful for me when I am doing any art and craft I put aside the supply organizer so that all things are found in place. To see the full image just click on this link
It really feels amazing to do woodworking at home. The unique style of presenting anything can attract anyone, so it depends on you that what style you are choosing for glass and bottle presenting. Different things can change the way of living so avoid boring life and start something creativity in your life. For me when I am bored I suddenly attract to doing a wood project. In this link, you can see another tutorial for making a wood, glass and a bottle holder.
Free woodworking plans and easy free woodworking projects added and updated every day. Use our RSS feed to keep up-to-date on the latest free woodworking information. Free search access too! Organized by topic in alphabetical order. We were the first organized database of free woodworking plans online. Today, we still work for you to continue providing the most up to date database. First time here? Read About Us (link at bottom of page). Free woodworking plans to build quilt racks, gun cabinets, patios,picnic tables, kids furniture, toys and thousands more for beginners and all skill levels.
A few months back, I had no idea how to make custom wood items and I always wondered how difficult it would be to create these things. But now I make most of the items by myself. Learning isn’t difficult and once learned, you can easily make any wood item you want. Making your own wooden items would not only save you a lot of cash, but you can also spend your spare time in some productive activity.
You can decorate your favorite areas and corners of your house by placing stylish wooden vases. These wooden items give a classy look to your interior furnishing. You can also make a wonderful variety of wooden vases easily at home. It is actually very easy and interesting to make. You must know you should have a bit of woodwork skills to do this innovative and exciting work. All you need are a few pieces of wooden boards, wood cutter, electric drill, hammer, screws, and plates. You can easily make these hanging wooden pots by joining equal size wooden pieces of square shapes. You can also do easily. This creative project is entertaining as well as good activity at the same time.
Here, I am writing about another DIY project that involves the use of an old furniture piece. I think that the idea of reusing and recycling old furniture has got to me. Anyways, I am starting to love it. This project involves using an old door to build a beautiful multi picture frame, as you can see in the image below. This frame looks really wonderful and can be used to hold many pictures at a time.
We cut the supports 16 in. long, but you can place the second shelf at whatever height you like. Screw the end supports to the walls at each end. Use drywall anchors if you can’t hit a stud. Then mark the position of the middle supports onto the top and bottom shelves with a square and drill 5/32-in. clearance holes through the shelves. Drive 1-5/8-in. screws through the shelf into the supports. You can apply this same concept to garage storage. See how to build double-decker garage storage shelves here.

domain: design


In our never-ending quest to uncover the mysteries of the cosmos, a peculiar find in Colombia has ignited speculation about the origins of a mummified fetus dating back over 800 years. With an elongated skull, slanted eyes, and a unique rib configuration, some have been quick to dub it an 'alien' specimen. Pictures of this enigmatic figure were anonymously sent to Spanish UFO researcher, Josep Guijarro, sparking a flurry of curiosity and debate.
Guijarro, a seasoned investigator in the realm of extraterrestrial phenomena, received the intriguing images and cautiously assessed the evidence. While acknowledging the unusual characteristics of the specimen, he refrained from definitively labeling it as alien. "My source indicated it originated from Colombia, but without concrete data, it's challenging to ascertain," Guijarro shared on social media.
Despite widespread speculation, Guijarro remains circumspect, entertaining the possibility that the mummified fetus could belong to a diminutive humanoid species akin to 'Ata,' a similar anomalous discovery unearthed in Chile in 2003. Ramón Navia-Osorio Villar, a Barcelona-based UFO enthusiast, proposed that 'Ata' represented a race of small-statured beings dwelling in the depths of caves, lending credence to the notion of ancient humanoid civilizations.
Guijarro's exploration extends beyond the realm of speculation, drawing upon historical accounts and indigenous folklore to shed light on the mysterious find. References to diminutive beings inhabiting remote regions like 'El cerro de los enanos' ('the Hill of the Dwarves') in Colombia hint at a rich tapestry of folklore intertwined with reality.
However, skeptics remain steadfast in their dismissal of extraterrestrial origins. Professor Siân Halcrow, a biological anthropologist, debunked claims surrounding 'Ata,' attributing its characteristics to those of a premature human fetus. Similarly, the latest discovery is met with skepticism from the scientific community, positing it as another instance of human fetal remains.
While the search for alien life continues unabated, the enigma surrounding such discoveries serves as a testament to humanity's enduring fascination with the unknown. Whether rooted in terrestrial history or extraterrestrial intrigue, each revelation propels us further into the depths of exploration and discovery.