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November 6th is National Nachos Day.
Some nacho lovers we know have never made nachos at home.
They’re so easy that today’s tip is a basic recipe for nachos.
There are links to more nacho recipes below.
> The History Of Nachos
RECIPE: BASIC NACHOS
Prep time is 15 minutes, cook time is 10-15 minutes.
Want to make your own refried beans? Here’s a recipe from Serena Herrera of House of Yumm.
She says, “These are so easy and so so flavorful. You will never want to eat the canned refried beans again!”
Ingredients For 6-8 Servings
1 bag tortilla chips (12-16 ounces)
10 ounces cheddar cheese, grated
14 ounces refried black beans, heated (photo #2)
4 ounces of queso fresco or cotija (photo #3), crumbled
1 cup salsa
Garnish: handful of cilantro, chopped
Garnish:1 bunch scallions, greens and whites chopped
A few squeezes of lime
While it isn’t “basic,” you can customize your nachos with:
Bean and corn salsa
Chili (bean, meat or combination)
Sliced jalapeños, fresh or pickled
Shredded chicken or pork or crumbled ground beef (a great use for leftover hamburger)
If you’re serving nachos to a group, place some of these garnishes in ramekins and let people customize their own.
1. PREHEAT the oven to 375°F. Scoop the beans into a small pot and add a few tablespoons of water. Heat them through, over medium heat, then remove them from the stove.
2. LINE a baking sheet with foil and lay out a layer of about half the chips. Spread about half of the beans on top of the chips and drizzle a few spoonfuls of salsa over the beans. Follow the salsa with about a third of the cheddar cheese, then add another layer of chips, beans, and the rest of the cheddar cheese.
3. BAKE for about 10-15 minutes, until the cheese is fully melted and gooey. Sprinkle with the lime juice, then top with the scallions and cilantro and serve.
Potato Wedge Nachos
Toppings For International Nachos
MORE NACHOS RECIPES
Nacho Stuffed Shells
 No oven? Make them in the microwave (photo © Good Eggs).
 It’s easy to cook up some homemade refried beans. Here’s the recipe (photo © House Of Yumm).
 Cotija is Mexico’s favorite cheese for crumbling. Here’s more about it (photo © Bakeoff Flunkie).


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Design Matthew Lyons is a talented British born designer with a love for simplistic retro futuristic designs that tributes the mid century illustrations of artists such as Charles Schridde. Along with the illustrations, Matthew have also worked on a handful of faux movie title screens from the past that looks intriguing. His work would no doubt work very well as prints for any retro styled bachelor or bachelorette pad, so let’s hope that Matthew decides to make a profit on his talented work some day very soon. Which one is your favorite? ( continue reading... )
Episode 292 Dec 2nd 2013
A couple of years ago I had the pleasure of speaking to the great comedian ‘Shelley Berman’. Well, he’s back on the show to talk about a book of poetry he’s has written along with extraordinary ability to adlib. I’ve got a free vintage online magazine to check out, and a nice box set for you in time for Christmas.

domain: design


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Midget Reliance Iron Hand Press No. 701 Mfg by Paul Shniedewend & Co Chicago IL
Platen size: 14 ½ x 18 ¾
Bed size: 17 x 21
The press is about 63 inches tall and has a floor footprint of about 42 inches by 54 inches plus whatever space needed for the operator(s) of the press.
Several parts were made to get this press back into printing condition. The new parts include: fulcrum, toggle lever, corner brackets, outer and inner tympan, frisket, rounce handle, rounce straps, forestay, chase and platen bearers.
This is not a museum restoration. The style of some new parts is more similar to Albion presses than the Midget Reliance. There are two known flaws to the press. There is a small chip on the end of one of the rails. The chip does not affect the movement of the bed, but may allow a little oil to leak off of the rail. There is also a small piece chipped off of one of the legs of the press.
The press is located in Springfield, Virginia. If interested, you are welcome to try the press, weather permitting. I can assist with the disassembly and loading, but two people are not enough to do it safely - especially when one of them (me) has limited lifting ability. I can rent an engine hoist to do some heavy lifting if desired. The buyer is responsible any packing, shipping costs or arrangements. Only a few tools would be needed to disassemble and reassemble the press. We can include a set of tools with the press.
We would like to see this press be used and enjoyed. We would consider $3500. Please feel free to contact us about the press or to propose an alternate offer.


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'It's hard to assess the damage': COVID-19 restrictions leave some chaplains unable to provide last rites
The restrictions at care facilities brought about by COVID-19 have left chaplains around the state lamenting, being unable to comfort those who are isolated and hurting.
Hospitals and care facilities in mid-March began banning visitors to prevent further spread of the virus and that's meant that community priests, rabbis, imams and other spiritual leaders have been restricted from visiting some patients.
Hospital chaplains have tried to bridge that divide, either coordinating virtual sacraments or using alternatives for rites such as the anointing of the sick. Hospice of the Valley is one of the facilities that is still able to provide in-person chaplain visits for residents at its in-patient care homes.
One of the hospice's patients was recently able to get baptized for the first time through a visit from the chaplain. The patient, veteran Lee I. Foster, died a few days later.
But not every sick person is at a hospital, and not every care facility has an on-staff chaplain who can continue services throughout the restrictions.
For some facilities, that's meant their spiritual services have had to be heavily modified or paused altogether to comply with state and federal guidelines.
Some volunteer chaplains spoke with The Arizona Republic about their fear that people have died and will continue to die without receiving their "last rites," final prayers and consolations offered at the very end of one's life.
Though they acknowledge the ability to meet with people virtually, they say it's not the same as an in-person session and hope for a quick, yet safe, return to traditional ministry.
'Night and day' difference between virtual, in-person chaplain visits
Wayne Basye, 71, is pastor of the First Southern Baptist Church in Yucca, Ariz., a small unincorporated community that's about a half-hour drive south from Kingman.
He said there's been four people in the area who have been hospitalized since the pandemic, and subsequent hospital visitation restrictions, began. One of them died.
Basye said it's hard to tell people, some of whom have been in his congregation for 10 years, that he cannot physically visit and comfort them in what could be their final days.
"We believe in touching, the laying on of hands," he said. "I do understand the virus and the nature of the virus but I also know that there's ways of getting pastors and spiritual leaders in to visit people."
He added that having a pastor present during someone's final moments isn't just for the person themselves, but for the mourning family.
"[The pastor] brings the family through that situation — if they can't be there with the family and it's just done over the phone, it's hard to assess the damage," he said. "You can turn what might be a horrible situation into a beautiful situation. That person knows the Lord, he's going to be with Jesus, the people there know the Lord and they're happy for him ... a lot of times people need a pastor there when they so-called 'pull the plug.'"
That hasn't been able to happen for the last three months. Though Basye can speak to hospitalized people over the telephone, he said it's not the same.
"It's night and day," he said. "It's the difference between someone calling you up and saying 'hey, how you doing?' and somebody taking care of you when you have a broken leg, but that's all that's been available and there's nobody to blame ... it's just one of the stories that's going to come out of COVID."
Chaplains provide "medicine for the soul"
Pastor Charles Ross, 47, knows the importance of having a spiritual leader present during a hospitalization — having needed one himself, at a point in his life.
Ross was hospitalized at a Phoenix facility from April 2016 to August 2019.
During that time, Chaplain Paul Vescio regularly visited Ross, who told The Arizona Republic that his stay would "absolutely not have been the same" without the chaplain's reassurance.
"On the days my wife couldn't make it, my church members couldn't make it ... I always knew I would at least have Chaplain Paul come sit with me," he said. "Not for five, 10 minutes but sit with me for hours. We'd talk about life, we'd talk about the word of God, we'd talk about everything."
For the last few weeks, he's been conducting virtual bible study via FaceTime with one patient at the facility, though he hopes to eventually hold the sessions through Facebook Live so more patients can join in. And in an ideal world, he'll soon be able to return to in-person bible studies with those who are hospitalized.
Like Basye, Ross believes having a pastor or other spiritual leader around when one dies can help the person pass peacefully and comfort their family through their mourning.
"It's extremely important to have someone that you feel is connected to God and has a relationship with God in your time of need and grief," he said. "In those times, you don't feel like you're capable of reaching God or that he hears you, so you rely on pastors, you rely on someone else to get that message to God on your behalf."
Ross said it's "unfair" that many patients across the state are unable to see their spiritual leader because of the COVID-19 restrictions.
He said he wishes every hospital or care facility in the state had an in-house chaplain, saying that they are "just as important as doctors, nurses and CNAs (certified nursing assistants)."
"He was that person in my ear that reminded me that God hasn't forgotten about me, and that's just as important as medicine, because it was medicine for my soul," he said.
Chaplains get creative to combat resident depression at senior living facility
Providing spiritual care to residents is a top priority for LifeStream Complete Senior Living, according to President and CEO Ron Estes.
The Christian company has four communities across Arizona, with a full-time chaplain assigned to each one. They provide services including one-on-one meetings with residents, bible studies, group worship services and counseling.
That's all had to change because of the pandemic.
Campuses are closed to everyone besides "essential" personnel directly involved in resident care, Estes said, which has meant an abrupt stop to the spiritual services as residents know them.
Instead, they've had to "be creative" in connecting with residents, which, according to Estes, has taken the form of delivering meals, handing out printed devotion materials and creating videos of themselves singing hymns and uploading them to YouTube so residents can sing along.
"It sounds bleak at initial blush, but in some ways it actually has increased our chaplain's contact and exposure with a broader spectrum of our residents," Estes said.
That doesn't mean it's been easy for the residents, though.
"We are seeing that many of them are showing signs of depression, showing signs of withdrawal and concern," Estes said.
He added that self-quarantining has left many residents alone with not much else to do besides watch TV, where they hear "doom and gloom 24/7."
One resident has died since the pandemic began, with Estes saying that person was unable to visit with the chaplain in his final days. Estes said the family was "distressed, but understanding" of the situation.
"We weren't singled out as being somebody who is just doing this because it was our policy — it's something that everyone was doing," he said.
Support local journalism. Subscribe to azcentral today.

domain: news


JERUSALEM (AP) — Hamas says its leader shook hands with Saudi Arabia’s King Salman after Muslim holiday prayers, signaling an easing of tensions over the Palestinian group’s ties with Saudi regional rival Iran.
There was no official announcement in Saudi state media of Hamas leader Khaled Mashaal’s visit to Saudi Arabia.
The visit came days after Iran reached a nuclear deal with Western powers, prompting concern among its regional rivals.
A Hamas website said Friday that Mashaal and the Saudi king attended prayers in the holy city of Mecca and that the two shook hands. Hamas says Mashaal met the Saudi intelligence chief Thursday.
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Saudi-Hamas ties had been strained since the collapse of a Saudi-brokered reconciliation agreement between Hamas and its political rival, Palestinian President Mahmoud Abbas’ Fatah faction, a decade ago.


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Critics of the Bush tax cuts once claimed the economic benefits from lower federal taxes would be offset by higher state and local taxes. But that depends on where you live and whether your state is raising taxes (bad news) or cutting spending (good news).
For the nation as a whole, the idea that increased state tax rates might neutralize lower federal taxes was always nonsense. Very few states are raising income or sales tax rates, and the few sliding down that treacherous slope already have the worst tax systems in the country. In fact, seven states reduced income tax rates last year -- Hawaii, Maryland, Massachusetts, Michigan, North Carolina, Oklahoma and Rhode Island.
From 1991 through 2001, state taxes rose by 4.2 percent a year in real, inflation-adjusted terms, according to the Tax Foundation. Real incomes of taxpayers rose more slowly, by 3.5 percent a year. In California, real incomes grew by only 3.2 percent a year, yet tax receipts grew by 5.4 percent a year. This was an unsustainable trend: State taxes could not possibly keep rising faster than taxpayers' incomes indefinitely, or taxpayers' after-tax incomes would fall continually until there was nothing left.
From 1999 to 2001, many states and cities made lavish spending plans on the basis of a temporary revenue windfall from stock options and capital gains. Spending by state and local governments rose 4 percent in 1996, 4.4 percent in 1997, 5.4 percent in 1998, 7 percent in 1999, 8.2 percent in 2000 and 8.1 percent in 2001. That, too, was an unsustainable trend: State and local spending could not keep rising by 8 percent a year because at that rate it would double every nine years and eventually account for 100 percent of GDP.
These are facts. What we usually hear are opinions. USA Today thus began a recent survey on state finances with the National Governors Association whining about "the worst financial crisis since World War II." What else did the governors expect after allowing state spending to grow so much faster than the incomes of taxpayers?
USA Today focused on the 10 most populous states, finding only one (Texas) that plans to cut spending from general funds by even a dollar. On the other hand, income tax rates have already been increased in Arkansas, Nebraska and New York, with California Gov. Grey Davis eager to join that list (and perhaps subconsciously eager to collect on that state's greatly increased unemployment benefits).


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The Grande Adventures of Ace & Indy: Episodes 1 & 2 (Paperback)
The Grande Adventures of Ace & Indy is a compilation of short adventure stories that revolve around the two young heroes who live in a fantasy world of myth and magic.
When Ace and Indy first meet, they find themselves in each others' way and, thanks to being in a rush, their egos clash. An epic battle between the two highly skilled adventurers ensues and, because they are so evenly matched, neither one lands a single blow on the other.
Eventually, their fights ends in a draw brought on by exhaustion, and since they can't even stand up, the boys' only option is to talk though their conflict. By talking, not only do they realize that they've both acted foolishly, but by forgiving each others' follies, they end up becoming best friends.
From there, each episode pits the young heroes against mythical creatures and magic-wielding beings that will challenge more than just their physical skills.
To resolve these conflicts, the heroes must make new friends and practice strong character traits so that, in the end, not only are the challenges overcome, but valuable life-lessons are also learned.

domain: artistic


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Anton Wilhelm Amo was the first African to study at a Christian European university and became the first African to practice philosophy in Europe since Roman times. He was born near Axim on the West African coast as a member of the Nzema tribe. Most likely he was sent to Amsterdam by Dutch missionaries in order to receive a Christian education, although it is also possible that he was sent as a slave–his brother was certainly a slave. In any event, he was presented as a boy to the dukes of Braunschweig-Wolfenbüttel, who treated him as a member of their family and provided him the opportunity to pursue a career in philosophy. He completed doctoral dissertations at the Universities of Halle and Wittenberg, and he earned a meager living teaching at Halle and Jena. There he became embroiled in fights over the philosophy of Gottfried Wilhelm Leibniz (1646-1716) and Christian Wolff (1679-1754), whose tenets Amo defended and authorities decried. Following the death of a powerful supporter he found his position increasingly embattled, and he seems to have decided that he could not continue his career in the German lands. After being scandalized in public, he returned to Axim around 1747. There is precious little evidence of his final years life except passing remarks that he remained a prominent intellectual in the region and lived for a time at a Dutch fort, perhaps of his own free will and perhaps under internment for some challenge to authorities.
Although Amo was much more than just an African philosopher in Europe, his African roots nevertheless mattered to him and shaped his fortunes. The prestige of having Black members of a courtly household was what led the dukes of Braunschweig-Wolfenbüttel to take him in and promote his education. When he achieved academic success, his promoters celebrated his African heritage, and his critics used it against him. Most telling perhaps, Amo’s first academic work challenged the legal basis of enslaving Africans in Europe, and throughout his career he signed his name “Anton Wilhelm Amo, an African.”
Despite his prominence at the time, Amo remained little more than a figure of occasional curiosity after his death. But his career drew new attention in the context of the Cold War, decolonization, and battles over Civil Rights. In the German Democratic Republic, in 1965 the University of Halle dedicated a work by Gerhard Geyer entitled “Free Africa” (below). Geyer’s statue celebrated postcolonial independence and African students in the GDR, albeit in stereotypical terms, allowing the university to contribute to a broader government strategy of allying with decolonizing states across Africa. A decade later, in 1975, a commemorative plaque recognizing Amo (above) was placed nearby, creating an odd link between the statue and the philosopher that has recently drawn demands for a more appropriate memorial at the university. In 1994 the university inaugurated a scholarship prize in his honor. In the Federal Republic of Germany, from the 1980s Black German activists have held Amo up as an outstanding example of a longstanding Black presence in Germany.
Source: Gerhard Geyer, Freies Afrika (1964), image courtesy of Martin Beitz (Halle im Bild). ©Martin Beitz.
Anton Wilhelm Amo (ca. 1703-59) by Jeff Bowersox is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. Permissions beyond the scope of this license may be available at https://blackcentraleurope.com/who-we-are/.

domain: library


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In 1968, CBS News ran a documentary called “Hunger in America,” which stunned large numbers of Americans who had assumed that serious malnutrition, not to mention starvation, were problems in places such as Africa, but not in the United States.
The documentary showed pictures of children — American children — dying from malnutrition. It galvanized public opinion and Congress.
Then-Sen. George McGovern (D-S.D.), a member of the Agriculture Committee, was moved to call for the creation of a new Senate committee on hunger as well as for a new program to deal with the problem. He was joined in the effort by a somewhat unlikely partner, Kansas Republican Bob Dole, a strong partisan adversary of McGovern’s, but also a pre-Bush version of a compassionate conservative.
Dole later said, “What really impressed me were the field hearings, and you saw it firsthand and you knew it wasn’t something some network maybe dreamed up or whatever and found some isolated cases. I think we began to understand it was widespread and needed to be addressed.”
That was 43 years ago. Sadly, CBS could do a new version of that documentary coming to the same, if not more dire and depressing, conclusions. Hunger is here, in a real and palpable way, exacerbated by our tough economic conditions and persistent unemployment, but worsened as well by the high cost of food, especially nutritious food.
The new census data on the number of Americans in poverty are jolting enough; the fact is that other surveys show the hunger problem extends to many individuals and families who have jobs and bring in incomes, but are, in the parlance, “food insecure,” finding that for many weeks of the year, their budgets just don’t stretch enough to put adequate food on the table for their families.
The Department of Agriculture estimates that 50 million Americans, including one in four children — overall, 17 percent of our population — are food insecure. If your family’s budget is tight, higher food costs and rising gas prices can put you in a hellish squeeze.
For food banks, churches and other nonprofit groups such as Share Our Strength, the demand is up sharply over the past four years, and especially over this past year.
Some conservatives point to more detailed information on those who meet the census definition of poverty to suggest that the problem is exaggerated — a large number have multiple TVs, video game systems, cellphones and other accoutrements that we don’t associate with hardship.
But few people who don’t desperately need it are going to wait in line at a food bank or go to a shelter as a great way to take advantage of the system. I hear from people who run the local food banks that they are seeing a growing number of people asking for food who not long ago gave them donations.
Feeding America, a national network of food banks, distributed 2.6 billion pounds of food in fiscal 2009 — that number went up by 500 million pounds the next year, and an additional 200 billion pounds to 3.3 billion so far this year.
The food banks face a blizzard of problems — what Feeding America calls a perfect storm. Food prices are going up, adding to their costs, in part because of the high demand for commodities to create biofuels. This also means few surpluses in commodities for the federal commodities program to donate.
Food manufacturers, who partner often in an admirable way with nonprofit groups, are facing their own squeeze in the tough economy and are responding as one would expect in the market, seeking greater efficiencies, which means fewer donations. Charitable contributions are harder to come by as more Americans feel the economic squeeze. State and local governments are cutting back on social services.
And the federal government is cutting back dramatically.
Take the food stamp program (now called SNAP, which stands for supplemental nutrition assistance program) the crown jewel of the federal response after the CBS documentary in 1968. This is not a program for the comfortable; the average gross monthly income for a SNAP family is $711, and four of five participating households include a child, an elderly person or a disabled one. Rep. Paul Ryan’s (R-Wis.) budget would move the program to a block grant and cut $127 billion over 10 years.
Then there is the Emergency Food Assistance Program, the federal commodity assistance program that provides much of the food going to food banks, in some cases half or more of what the food banks give to the poor. It has declined precipitously over the past few years and is on the block for more hits as the pressure to freeze or reduce all discretionary spending increases.
There is a core concept in the Talmud called “Tzedakah,” the religious obligation to engage in charity and philanthropy, to help those who need help. We need fiscal discipline, but we cannot turn our backs on our fellow human beings.
Beyond Tzedakah, there is pragmatic self-interest. Hunger adds to obesity, as people eat less nutritious foods and more fattening foods, and to other health problems that add to our health care demands and costs.
One answer is an enhanced tax credit for businesses that donate food to nonprofits. Another is to reconsider the steep cuts in these budgets at the worst possible time.
And for all of us who can, it should also mean opening up our checkbooks a little more for organizations such as Feeding America, Share Our Strength, the Capital Area Food Bank, So Others Might Eat, Martha’s Table, Bread for the City, the Central Union Mission and others here in Washington, D.C., and around the country that are laboring to feed those in need.
Norman Ornstein is a resident fellow at the American Enterprise Institute.

domain: politics


CORTLANDT, N.Y. – New York State Police reported charging two people Sunday evening in Cortlandt with driving while intoxicated.
Charles A. Rabe, 54, of Cortlandt, was charged with misdemeanor operating a motor vehicle with a blood alcohol content of .08 or higher, and misdemeanor DWI. He was charged in the city of Peekskill, at Washington and Franklin streets, just before 3 a.m., Sunday, July 8.
Jessica Maffettone, 33, of Peekskill, was charged with misdemeanor operating a motor vehicle with a blood alcohol content of.08 or higher, and misdemeanor DWI. She was arrested on Route 9A in the Village of Buchanan at 3:45 a.m. Sunday, July 8.
Also reported by New York State Police:
Harassment: Robert L. Hicks, 38, of Ossining, was charged with misdemeanor aggravated harassment on Snowden Avenue, Cortlandt. He was arrested at 8:30 a.m. July 9 in connection with an incident reported July 4.
Petit Larceny: Ayana C. Davis, 20, and Anasia S. Davis, 19, both of Buchanan, were charged with misdemeanor petit larceny at 3133 East Main St., Cortlandt. Both were charged just after 8 p.m. Monday, July 9.
Petit Larceny: Robin A. Avila, 23, of Ossining, and Nija C. Sligh, 23, of Peekskill, were charged with misdemeanor petit larceny at 3131 East Main St., Cortlandt. Both were charged just after 10 a.m. Friday, July 6.
- 1 Cousin Charged In Death Of 5-Year-Old Subject Of Amber Alert
- 2 Christmas Week Storm May Impact Travel In Cortlandt
- 3 Mohegan Lake Man Breaks Nose Of Former Employee, Police Say
- 4 Three Iconic Offerings Will Be Removed From McDonald's Menu In Westchester
- 5 Sony Pulls Movie; Cortlandt Will Have To Wait On 'Interview'


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Mark Thompson, director for south east Asia research centre at City University of Hong Kong, discusses the Indonesian presidential race as Joko Widodo is expected to be announced as the winner.
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We’ve finally reached the end of our True Believers reading list and there are a couple of crackers on it including: a sampler of a dark folk-horror comic called Heretics; a quirky romance that starts on a late night platform in Last Train Home; some zany all-ages action in the Etherington Brothers Monkey Nuts; and some pyromanic fun in Rachael Smith’s I Am Fire.
While nowhere near Springtime yet, I find my winter hibernation now over and done with, as I dust myself off and I find myself looking ahead to the slate of upcoming comic cons here in the Midlands area. First up, on Saturday February 4th, the third True Believers comic con once again sets up shop at the Cheltenham Racecourse facilities. So what does this season starter have to offer?
This weekend saw the great and the good of the UK comic scene descend on Leeds for the annual Thought Bubble Comics Arts Festival. As well as featuring big names from the mainstream it was also one of the most important weekend’s for the indie and small press scene with dozens of new books being released and showcased. We take a look at some of our favourites – and we’ll keep updating it as we gradually work our way through our pile of books to read from the weekend!
In Artificial Flowers, the follow up to her critically acclaimed book The Rabbit, Rachael Smith has brought back fan-favourite character Siobhan from the brilliant House Party to take on the London art scene instead of drunken house guests! For those of you who are new to the world of Rachael, Artificial Flowers is the perfect start point so we got her to tell us about her work, from giant rabbits, to drunken artists via phone-box dwelling timelords!


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domain: hobby


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It is common practice in some countries around the world to see people with complex issues, looking up homes of concerned Government officials and visiting them privately, to have their issues decided favourably before meeting them officially in offices. For whatever excuse, doing so is nothing but a form of corruption, a violation of the concerned official’s private life and a trespass of his/her home compound.
Thanks to Rwanda’s state leadership that has so far earned the country a good image internationally for being an almost corrupt free country in the world with highly disciplined state governance. The country’s environment very much deters the likely perpetrators of private visits to Government officials for favours. However, it is a good thing to continually remind each other of the danger of doing so and continually be vigilant.
Usually the perpetrators tend to visit the concerned officials’ homes before or after office hours or during weekends and public holidays. To ensure success in their quest, they usually look for friends or close relatives of such officials to take them to their homes and introduce them. Sometimes they do so at a price.
The truth is that the issues they want favours for from Government officials are actually not complex. They are usually illegal such that the concerned look for persuaded and willing Government officials to give them waivers or to allow or assist them, for instance, to import banned goods. As long as such people have secured markets for selling the goods, at high profit within a short time, they will look for willing Government officials, at all costs, to assist them to import the goods even if such goods are banned for reasons of being dangerous to human health or the environment.
Some people look up for willing Government officials to give them permits to set up factories in forbidden areas although doing so threatens the environment. Some look up for them to allow them to erect buildings in previously forbidden areas. Some want to be helped to obtain jobs or work permits where they do not qualify. Some want to be issued with passports where they are not citizens. Some want their children or other relatives to be offered jobs.
Some want to be awarded scholarships after the closing dates have passed or where they do not qualify. Some simply want to be selected to attend international workshops or conferences where a big per diem is paid. Some want promotions before they are due.
Whatever the reason, such people must know that they risk consequences of the wrath of the law. For instance, the ones that corruptly construct houses or buildings in forbidden areas, risk demolition of such constructions, one day, without compensation. They may be fined too. Those employed in positions they do not qualify, risk being removed one day, including being prosecuted and imprisoned.
Likewise, any Government official entertaining private visits to his/her home for official favours also unwisely risks his/her job one day when those he/she has helped are in trouble.

domain: sociology


CK Design Tech - UAV Servo - 2 inch linear actuator 40 Lbf. 1.5"/sec. @ 6 A Max.
Item is not in working condition, should be considered as "for parts or refurbishing"
Made in the USA.
Pricing is per item
- 2.50 LBS


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Medical and health workers protest against the working conditions in the public hospitals and the hiring of foreign doctors for the SUS health care system, in Rio de Janeiro, Brazil, on July 3, 2013.
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domain: medical


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Fresh Local Microgreens Delivery
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The Living True Microfarms family is excited to bring delicious and nutritious Missouri grown microgreens direct to you! Our easy and convenient delivery and subscription options make our microgreens a fresh addition to your lifestyle.
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domain: agronomy


NFL Nation: 2009 NFL draft
PHOENIX -- Had the 2009 NFL draft gone as planned for the St. Louis Rams, the team would be thinking about a contract extension for tackle Jason Smith.
The 2009 draft did not go as planned for the Rams -- or for a long list of teams.
Smith struggled before St. Louis traded him to the New York Jets last year for journeyman Wayne Hunter. The Rams recovered Sunday. They reached agreement on a four-year contract with tackle Jake Long, the first player chosen in the 2008 draft.
Think of it as the Rams upgrading from Smith to Long at left tackle.
Smith played right tackle during his Rams career, but that was because the team realized he wasn't the answer on the left side, contrary to expectations on draft day. Smith was supposed to be the Rams' franchise left tackle. Long fills that role now.
The Rams are betting on Long to regain good health following two injury-shortened seasons. Their general manager, Les Snead, has said the team had no concerns about Long's health following biceps and triceps injuries.
The Rams' future at left tackle appears brighter than at any time since the Orlando Pace era.
Their new coach, Jeff Fisher, and new general manager, Les Snead, said during the NFL scouting combine that they hoped to bring back Smith following three disappointing seasons.
The strategy makes sense if Smith agrees to reduce his scheduled $10 million salary. The team might as well find out whether new line coach Paul Boudreau can help salvage some return on a massive investment. Better luck with injuries might help Smith more than anything. The concussion he suffered against Dallas came on a freak play when Smith was making a tackle following a turnover.
For the Rams, there's no sense in making tackle a bigger need by dumping Smith prematurely. Publicly declaring interest in Smith sets a positive tone for expected negotiations on a new deal.
Smith has started 26 of 48 games for the Rams, the third-lowest total for three seasons among players drafted second overall from 1990-2009.
The chart ranks three-year start totals for players drafted second overall since 1998, beginning with Ryan Leaf. The final column shows total starts each player has made for his original team.
Two years later, Laurinaitis has put to rest that question while raising another: Might the third-year Rams linebacker outperform the Seattle Seahawks' Aaron Curry, the undisputed top-ranked linebacker in the 2009 draft? Initial reviews suggest he might.
Fifty-three percent of the first 3,629 poll respondents singled out Laurinaitis as the highly drafted young NFC West linebacker with the brightest NFL future. Curry was second with 38 percent, followed by 2010 Arizona Cardinals second-round choice Daryl Washington with 8 percent. The San Francisco 49ers' Patrick Willis, already established as arguably the NFL's best linebacker, wasn't part of the survey.
"I think Laurinaitis is a star in the making," Matt Williamson of Scouts Inc. said. "He is clearly the second-best linebacker in the division. He is going to be headed to Pro Bowls as soon as this upcoming year."
That will be easier said than done given Willis' perennial Pro Bowl status and the limited number of slots available for inside linebackers. But the broader point stands. The Rams found their quarterback on defense before anyone knew they would select an actual quarterback, Sam Bradford, first overall in 2010.
"Laurinaitis brings an attitude to the team," Williamson said. "He is really smart, he is an extension of coach Steve Spagnuolo on the field. He isn't really a banger -- he doesn't take on blocks as well -- but Fred Robbins does a great job keeping him clean and they will likely add another defensive tackle. Laurinaitis is a foundation for that football team."
Rams general manager Billy Devaney used the words smart, passionate and productive in describing Laurinaitis on draft day two years ago. At the time, Devaney said the team considered sacrificing one or more of those qualities in the quest for greater talent. Laurinaitis has proved to be sufficiently talented even if he'll never become a dominant sideline-to-sideline force along the lines of Willis or Ray Lewis.
Curry certainly has more raw physical talent, but Laurinaitis' superior feel for the game has become obvious to this point in their careers. That was expected, to a degree, because teams ask 4-3 middle linebackers to call out defensive adjustments based on what they see from offenses. Curry, as a strong-side linebacker, was never going to play that role, particularly on a defense already featuring Lofa Tatupu.
The Seahawks have toyed with ways to feature Curry in their defense. Curry has fared OK as a pass-rusher at times, but not well enough to supplant Chris Clemons or Raheem Brock as a primary outside rusher. Curry's physical strength has shown up against tight ends at the line of scrimmage, but only to those looking for it.
Seahawks coach Pete Carroll, who inherited Curry from the team's previous leadership, said unrealistic expectations are making it tougher for fans to appreciate Curry.
High expectations are warranted when a team drafts a player fourth overall, even though Carroll wasn't part of that evaluation. It's not like the Seahawks were wrong when they saw a prospect with obvious physical attributes.
Williamson gave Curry a slight edge over even Willis in overall physical tools. So far, however, too much has been lost in translation.
A change in coaching staffs could explain some of the difficulties. Injuries to Tatupu, Red Bryant and others in the Seahawks' front seven have not helped. At a certain point, however, the fourth pick in the draft should transcend these sorts of factors.
"If we are having this conversation next year, then I think he doesn't live up to it," Williamson said. "He is the type of guy you should be accounting for every play. My sister should be in the stands going, 'Who is that guy? He is different from everybody else.' "
Laurinaitis has served as an every-down linebacker while starting each of his first 32 games. He has five sacks and three interceptions. Rams coaches credited Laurinaitis with seven passes defensed last season. Only cornerbacks Ron Bartell and Bradley Fletcher had more for the Rams, according to coaches' evaluations.
Curry has 28 starts, 5.5 sacks and no interceptions while coming off the field regularly, sometimes for stretches.
"If you take a look at how he plays and what he does and how he produces, he's getting a lot done," Carroll said of Curry, "but it doesn’t meet up to the expectations. You can almost misevaluate him because he is supposed to be whatever he is supposed to be. To me, he is a guy on the team who busts his ass and is working hard and we're trying to fit into situations and a role for him that is best."
The Cardinals' Washington hasn't played long enough to evaluate in the same manner, but he did make a positive impression while starting 11 games as a rookie. Washington finished the season with one sack, one interception and six tackles for loss. He was the first Cardinals rookie since Antrel Rolle in 2005 to start a season opener.
"I didn't think he was a wonderful fit in the 3-4," Williamson said. "He was more the Derrick Brooks run-and-hit type, but he acclimated himself well. They have a good defensive line. If they can keep him clean, he can be a playmaker. He has a lot of potential, a lot of range."
While Curry is still finding his way and Washington is only getting started, Laurinaitis is exactly what the Rams thought they were getting -- a sure bet.
"I think he is going to be one of the better linebackers in the NFL for the next 10 years," Williamson said.
Posted by ESPN.com's Mike Sando
We've made it to December, the time of year when NFC West teams start thinking about playoff positioning. I mean, draft positioning. And, let's face it: Most of us following teams in this division have been thinking about draft positioning for some time.
The division has a chance to field three teams among the top seven or eight overall choices. No division has placed three teams among the top 10 overall choices without a trade since the NFL aligned into eight divisions in 2002, according to David Bearman of ESPN Stats & Information.
The AFC East made three picks among the top 10 last season. The Patriots acquired the seventh overall choice from San Francisco before trading back to 10th overall. The Dolphins picked first and the Jets chose sixth.
The NFC North made three picks among the top 10 in 2005. The Vikings acquired the seventh overall choice from Oakland. The Bucs picked fifth. The Lions picked 10th.
A quick look at the standings, 1 through 32, shows the Seahawks and Rams between the third and fifth choices. The 49ers are seventh.
Question: As a fan, would you rather have a top-five pick or win a few games to improve the record and possibly build something positive for next season?


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Already extremely popular, Smiley, the global symbol of happiness, is being honoured by talented creators in various fields who not only keep it alive but give it more and more personality each time. This year, however, there is all the more reason to celebrate the symbol, as it is 50 years since its first debut.
In fact, the Smiley was first used in a French newspaper, marking the good news of the day. This made it easier for readers to filter the news and read only the positive ones if they preferred. Today, fifty years later, the symbol continues to serve as a beacon of hope and positivity encouraging people to take the time to smile.
Among others, Montegrappa also pays homage to the Smiley icon as well as to the French artist André and they do it as they know best launching a special anniversary edition that we’ll be discovering below.
At first glance, it looks like Montegrappa used their Signature ZERO silhouette to bring this special edition to life and adorned it in the most cheerful way, really. On the barrel, ready to remind you whenever you hold the pen in your hand to “Take the Time to Smile”, is the original Smiley Slogan reimagined in enamel-filled graffiti. Then, on the cap’s finial you will notice a spray-painted anniversary icon, a very specific detail for the French artist, so famous for his graffiti art.
On the spring clip there is a fine Smiley & Andre laser engraving while the 14k gold nib is customised with the iconic Smiley. If you are looking for happy days and want such a companion by your side, you should know that for each model (fountain pen, rollerball pen or ballpoint pen) there are only 365 pieces available worldwide.
Fountain Pen enthusiasts should get ready, in addition to the pen, Montegrappa also offers a special edition ink bottle.
Fountain Pen: EUR 950
Rollerball Pen: EUR 650
Ballpoint Pen: EUR 550
Whether you want to purchase the fountain pen, rollerball or ballpoint pen, you can find them on Montegrappa’s website or at any authorised retailer.
Fountain Pen specifications:
Material: IP palladium stainless steel and acrylic
Nib: 14k gold with Smiley engraving
Ink delivery: Cartridge/Converter
Nib sizes: EF, F, M, B, Stub 1,1
Length: 143 mm


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Eat healthy for less: How to save money on health-conscious foods
Posted March 22
Many people want to be health conscious and price conscious when grocery shopping, but a recent study shows that many people wrongly believe that a more expensive item is healthier.
According to Consumer Reports, stocking up on healthy foods does not need to be pricey.
While buying organic produce is a great way to limit exposure to chemical pesticide residues, be picky about your organic choices. Some non-organic produce is very low in pesticides. According to tests by Consumer Reports, avocados, corn and onions are a few examples.
When you buy organic, be thrifty.
"You can save money by buying store-brand organics and by getting them in bulk," said Ellen Kunes with Consumer Reports. "In fact, some organics are actually cheaper than regular brands."
Experts warn to not be tempted to buy expensive processed foods just because they say "healthy" or "natural" on the box.
Instead, Consumer Reports says that a good rule of thumb is to look for a short ingredient list. Those foods will likely be less processed and include more wholesome ingredients.
Being less wasteful also saves money. On average, a family of four throws out $1,500 worth of food a year.
"Buying in-season produce means you'll eat cheaper, fresher fruits and veggies," Kunes said. "If you have to eat something like blueberries in winter, save money and buy frozen instead."
And don’t toss produce that’s past its prime. Save overripe fruits and veggies in the freezer - bruised bananas and berries can be delicious in smoothies or breads. Imperfect veggies can make a perfect homemade soup.
Another way to save is to pass on those convenient packages of pre-cut fruits and vegetables in the fresh produce section.

domain: economics


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Konto eröffnen und richtig sparen. Ihre Vorteile auf einen Blick. Handeln ab 0,00 EUR über flatex Premiumpartner. Flatex hat mein Referenzkonto einfach gelöscht, weil es sich geändert habe. Nun zwei Wochen danach wurde von Flatex mein Konto einfach so - ohne. Aktuelle Neukundenaktion. 0pro Order flat00 EUR,–. Jetzt 6 Monate für 0,00 EUR Aktien handeln und richtig Geld sparen. Angebotsbedingungen. Konto.
Flatex Konto eröffnen – So können Sie in 3 Schritten ein Depot eröffnen!Dieses Geldkonto wird direkt mit Ihrem bestehenden DEGIRO-Konto verbunden. Die flatex Bank bietet ein persönliches Geldkonto mit einer IBAN für das. Der Kunden Login von flatex ➤ Wertpapiere einfach günstig handeln! Ihr Online Broker flatex. Konto erstellen. Ihre WebFiliale wird geladen. Bitte warten. Aktuelle Neukundenaktion. 0pro Order flat00 EUR,–. Jetzt 6 Monate für 0,00 EUR Aktien handeln und richtig Geld sparen. Angebotsbedingungen. Konto.
Konto Flatex flatex Review: Pros & Cons VideoFlatex Depot für Österreicher: Wann sinnvoll? - Stand 04/2019 How do you withdraw money from Flatex? Using 'Client Login', log in to your Flatex account. Click on 'Konto & Depot', and choose 'Überweisung' from the list. Choose your account (Aktuelles Konto), the recipient (Empfänger) and the withdrawal amount (Beitrag). Click 'Eingaben übernehmen' to send your request. Time Stamp Einstieg | Minute Kunden-Login | Minute Passwort eingeben | Minute Session-TAN setzen | Minute Wertpapiersuche | Minute K. flatex war für den außerbörslichen Handel schon sehr gut und auch die Auswahl an Derivaten fehlt mir gelegentlich. Auch KO-Zertifikate aus dem Basischart heraus handeln zu können, ist sehr verlockend. Aber aus den oben genannten Gründen würde ich bei den aktuellen Konditionen dennoch zur Zeit kein Konto bei flatex eröffnen. Bei flatex investieren Sie für 0,00 EUR in über ETF-Sparpläne von unseren Partnern Amundi, db x-tracker und Lyxor. Konto eröffnen. Kundenservice +49 Flatex is a Germany-based stockbroker, regulated by Germany's Federal Financial Supervisory Authority (BaFin). It was originally established as lestisons-lesneven.com AG in and received its banking and brokerage license in , when the company was renamed Flatex. Wenn ich die Anzahl Online Spiele Sucht klingender Lamentos hier sehe, frage ich mich, wie man mit solcher Kundenmissachtung eine Bank führen will. Leistung: Angebot:. Die ganzen negativen Bewertungen beziehen sich ja auf Depotüberträge, an denen man sich jetzt nicht stören sollte. Bemerkenswert günstige Gebühren.
Konto Flatex, wenn eine Spieleseite automatisch Konto Flatex Bonusguthaben oder die. - Kundenbewertungen und ErfahrungsberichteSeit über 2 Wochen bitte ich Flatex, Superzahl 6 Aus 49 nicht an der Börse gehandelte Aktienposition, an einen Effektenhandel zu übertragen - leider vergebens und das noch bevor Corona richtig angefangen hatte. Also, we recommend opening an account only if you speak German on at least an Konto Flatex level as the account opening process and most of the trading The Appeal Of Online Casino Spiele are in German. There are also special products like warrants, certificates and turbos. Jewel Mania Kostenlos have to Indischer Schachspieler interest on this borrowed money — the interest rate is called the margin rate. This is a third-party online platform where traders publish and manage their trading ideas. As a rule, specialized brokers without their own direct banking business are expected to offer a higher or Schlemmerfilet Broccoli specialized Bruma Rb Leipzig quality than most broad-based direct banks. Flatex review Research. Inflatex introduced Glücksspiele Online savings plans. Look and feel Flatex's own trading platform is complex and poorly designed. To date, flatex is regarded as a particularly innovative company thanks Snooker Weltmeister 2021 its affiliation with the FinTech Group. Where do you live? Optional Software flatex Trader Market-Rate Data Packages for €15 or €39 per month Optional Trading Desk Pro Module: €29, €49, or € 99 per month Especially from the perspective of investors engaged in limited trading activities, the following is considered a big plus in our flatex review: Account management is free of charge without any restrictions and conditions. 1/29/ · Flatex Bank» Hinweise Zu Kredit Und Konto Beim Broker The traders are given the opportunity to do binary trading even for free with the help of the free demo accounts. Moreover, there are several options of investing money in different binary options . 6/6/ · Aktien Demokonto Flatex, Winning the contract. Asian options settle by comparing the last tick with the average spot over the period.. If you select "Asian Rise", you will win the payout if the last tick is higher than the average of the ticks.. If you select "Asian Fall", Aktien Demokonto Flatex you will win the payout if the last tick is lower than the average of the ticks/10(). Flatex has various great, high-quality educational content, although Fifa 18 Faces did miss educational articles. Currently, its stock and ETF fees are considered low in comparison with other brokers. It is registered with the Chamber of Commerce and Industry in Amsterdam. Dafür müsste ich flatex eigentlich dankbar sein.
Diese lassen sich ohne viel Aufwand ГberprГfen, bevor wir sie unseren Konto Flatex empfehlen. - Test von Stiftung Warentest / FinanztestUnglaublich, was eine Bank heute alles mit ihren Kunden machen kann. Aktuelle Neukundenaktion. 0pro Order flat00 EUR,–. Jetzt 6 Monate für 0,00 EUR Aktien handeln und richtig Geld sparen. Angebotsbedingungen. Konto. Konto eröffnen und richtig sparen. Ihre Vorteile auf einen Blick. Handeln ab 0,00 EUR über flatex Premiumpartner. Der Kunden Login von flatex ➤ Wertpapiere einfach günstig handeln! Ihr Online Broker flatex. Konto erstellen. Ihre WebFiliale wird geladen. Bitte warten. Kann ich Geld von meinem Konto überweisen? Grundsätzlich sind die Cash-Konten nicht als Zahlungsverkehrskonten, sondern zur Abwicklung Ihrer.
In the sections below, you will find the most relevant fees of Flatex for each asset class. For example, in the case of stock investing, commissions are the most important fees.
This selection is based on objective factors such as products offered, client profile, fee structure, etc. See a more detailed rundown of Flatex alternatives.
Flatex has average trading fees. Currently, its stock and ETF fees are considered low in comparison with other brokers.
Flat fees are great if you trade in higher volumes. Trading on margin basically means that you borrow money from your broker and can purchase more shares than you could with just the available cash in your account.
You have to pay interest on this borrowed money — the interest rate is called the margin rate. It can account for a significant portion of your trading costs.
To have a clear picture on forex fees we calculated a forex benchmark fee for major currency pairs. This catch-all benchmark includes commissions, spreads and financing costs for all brokers.
Flatex has low non-trading fees. Visit broker. We believe that most European clients can open an account.
On the other hand, for clients who are not a resident of Germany or Austria, the account opening process is much more complicated. Also, we recommend opening an account only if you speak German on at least an intermediate level as the account opening process and most of the trading platforms are in German.
Customer service is hit or miss, but in our most recent test, they spoke English well. This is good news if you want to trade in smaller amounts.
If you are from Germany or Austria, the account opening process is fully digital and convenient via video identification. After registering online we had to send our notarized documents to Flatex via mail.
At Flatex, you can choose from 4 base currencies. Why does this matter? For two reasons. If you fund your trading account in the same currency as your bank account or you trade assets in the same currency as your trading account base currency, you don't have to pay a conversion fee.
A convenient way to save on currency conversion fees is by opening a multi-currency bank account at a digital bank. These usually offer bank accounts in several currencies with great currency exchange rates, as well as free or cheap international bank transfers.
Opening an account only takes a few minutes on your phone. Compare digital banks. Flatex charges no deposit fees , but you can only add funds to your account by bank transfer.
You can only deposit money from accounts that are in your name, and the process can take several business days. For us, it took 3 business days to withdraw our money via bank transfer.
Withdrawals can only be made to accounts that are in your name. Compare to other brokers. Flatex's web trading platform is simple and great for executing trades.
It is well-designed, but the interface lacks customization options. To log in to WebFiliale, the platform will only ask for your username and password.
WebFiliale's search engine works well : you just have to type in the name of the product you are looking for.
Clicking 'Alle Ergebnisse' All results will show you all related products ordered by type, e. To get a better understanding of these terms, read this overview of order types.
This is definitely a unique feature as it is not available at most brokers , except for some like Comdirect and Interactive Brokers. On the other hand, you can't see how much fees you paid after your trades.
Flatex's own trading platform is complex and poorly designed. However, with complexity comes high customizability : for example, you can set your own templates.
The filter settings are great if you know which asset type or specific exchange you're looking for. Flatex trader 2. Unlike all the other Flatex platforms, you can set up price alerts and notifications of your trades on flatex trader 2.
The product and market coverage of Flatex is great. In addition to German exchanges, Flatex provides access to multiple European and international stock markets.
All of these suggest that there is a wide range of bonds available. Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.
You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
The favorble fees apply only above a certain order volume. This is a third-party online platform where traders publish and manage their trading ideas.
You can purchase these trading ideas through WebFiliale, the web trading platform. On the negative side, finding these data is not easy. There are more than technical indicators and editor tools.
You can easily edit and save the charts, which is a great feature. The quality of Flatex's news feed is low. Compare research pros and cons. Flatex has great phone support , but German language is the standard.
It is hit-or-miss whether the operator speaks English as well; we nevertheless had good experiences on this front. Email support also provided relevant answers.
The response time was also great as we got answers within 1 day. All these options help to boost your financial knowledge and familiarity with the trading platforms.
Is Flatex regulated? IPO AG. Flatex provides its brokerage services under the entity flatex Bank AG since March Professional and non-EU clients are not covered with any negative balance protection.
Flatex operates under its parent bank flatex Bank AG and as such, it is subject to tougher regulations than regular brokers.
This means that the broker has to publish financial statements regularly and transparently, which is a positive. Find your safe broker. Also, it has extra savings and mutual fund plans for long-term investors.
Because it is listed on the stock exchange, Flatex's financials are clear and transparent. On the negative side, forex fees and margin rates are high.
We also missed the option to switch to English during account opening and on the web and mobile trading platforms.
Toggle navigation. Flatex Review Bence A. Dec Bence A. All reviews and top lists updated for Check out the annual BrokerChooser Awards.
Being a German broker, all of Flatex's trading services are available only in German. Overall Rating. Compare to best alternative.
Flatex pros and cons Flatex has low fees for popular asset classes like stocks and ETFs. However, biw Bank has since announced the end of its membership.
In particular, CFD beginners, who want to try a broker like flatex for the first time, should pay attention to the rules regarding margin-call obligations: If losses occur beyond the existing account balances, they must be made up for by the customer.
The broker does not explicitly forgo additional claims. Such claims can arise if deficit positions cannot be closed in time or only at a price very far from the entry price due to extreme market volatility or major price gaps.
At flatex, automated FX trading is possible via the MetaTrader 4 trading platform. Expert Advisors is at the centre of all automated trading: These are scripts or codes for complete mechanical trading systems, which can automatically be applied to the trading account if required.
In this regard, MetaTrader 4 offers a significant advantage over other platforms: Given the large reach of the software, it provides a large number of ready-to-use trading systems, which can be imported into the software at any time.
This means that tried and tested automated trading systems can be used without the need for special programming knowledge.
A back test module is part of MT4: Mechanical trading systems can hypothetically be used in the past. The back test is used to determine the performance that the respective strategy would have achieved in actual use.
The securities deposit can be opened without a minimum deposit and can, for example, be used exclusively for regular investments in ETF savings plans.
Deposits can be made by bank transfer. Individual and community accounts can be opened. Customers from Austria can also open an account or securities deposit via www.
The account opening form on the screen should be filled out. The application documents are then sent by PDF. The legally required ID verification of new customers can be carried out either using the Postident or via the video iTAN method.
In case of Postident, which has been in use for many years, a coupon and an official photo ID are presented to an employee at a Deutsche Post office.
The still relatively new video identification procedure provides for ID verification within the framework of a video chat.
An official government-issued ID is required as well. In addition to flatex, the company's portfolio includes biw AG which acts as a white label bank not only for flatex, but for other companies, too , XCOM software and technology , and ViTrade.
FinTech Group describes itself as one of the market and innovation leaders for online brokerage. According to the company data, more than 5 million securities transactions were executed via the company's platform in the first half of Even the first customers, who gave flatex a try after the founding of the broker in , were confronted with a new price model.
To date, flatex is regarded as a particularly innovative company thanks to its affiliation with the FinTech Group.
The broker conducts seminars on a regular basis and also provides clients and interested parties with video tutorials, which deal with the broker's products and platforms as well as general issues and questions concerning securities and trading.
The seminar section includes live-trading events as well as themed webinars for the development of trading strategies, indicators, trends, and other topics.
The broker's customer service team is available via phone and e-mail. There is a hotline for existing and prospective customers. As a rule, specialized brokers without their own direct banking business are expected to offer a higher or more specialized service quality than most broad-based direct banks.
This expectation was met by flatex: The customer service agents were able to quickly and completely resolve a relatively complicated request.
The broker, like most of its competitors, offers a customer referral program. If an existing customer e. The conditions for domestic stock market trading almost surpass those of the entire competition: With its flat-rate price model, the Kulmbach company has put pressure to innovate on all German brokers, which still continues to be the case today.
The free trading platforms offer more useful features than the average competitor and the fee-based additional modules should meet the requirements of professional traders.
The FinTech Group subsidiary, flatex, is a suitable address for all those who want to invest in securities and do not primarily trade abroad — and for those who wish to trade CFDs and Forex using a German broker.
Conditions at flatex. CFD Trading at flatex. Order Types at flatex. Logo FinTech Group. Wir nutzen Cookies, um die bestmögliche Benutzererfahrung auf unserer Website sicherzustellen.
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domain: finance


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Carrots have not always been orange. Natural carrots were either white or purple and probably inedible. There are accounts that white carrots were eaten in the Roman Empire, but historians believe that they could be parsnips, white carrots, or both. The orange carrot is a hybrid of the yellow carrot, which is a hybrid of the white carrot.
The earliest-known ancestor of the modern consumable carrot appeared in Persia in the 10th century. Some accounts say it was white, and others say it was purple. Unlike today’s carrots, those vegetables had lots of smaller roots of varying sizes. The Persians selectively bred the carrots with the biggest roots to create bigger roots and, ultimately, a big single root.
As the selective breeding continued, the carrots mutated from white or purple to yellow and finally orange. Selective breeding of carrots continued until modern times to improve their flavor and color.


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TICKET-MANIA for Sunday's All-Ireland final is such that the participating counties are not expected to pick up any 'spares' from non-participating counties.
Kerry chairman Jerome Conway has described the demand as "unprecedented" and called it a "loaves and fishes" situation.
And it is believed that some clubs in Dublin have already been stung by gambling on swapping tickets with traditional hurling counties.
They purchased tickets for the Kilkenny/Tipperary clash believing they could sell them to outside hurling interests and then get to buy their football allocations in return, a regular occurrence among counties ahead of the All-Ireland finals.
But they got left with them because the hurling was not a sell-out and are now hit on the double because so few football 'returns' are expected, due to the massive neutral interest in a Kerry/Dublin decider.
Kerry will receive the same number of tickets that they received for other recent finals (approximately 11,000).
Dublin clubs, who are used to getting between 250 to 400 tickets for the earlier championship rounds, are about to discover that getting to the final for the first time in 16 years actually means getting half that amount, or even less.
This is because the GAA provides tickets to all of its units on All-Ireland final day, including schools and overseas, which considerably lessens the number of tickets available to the participating counties.
Dublin will get more tickets than Kerry because their minors are also involved, but their allocation is still not expected to exceed 18,000 and city GAA chiefs will allocate them on a graded system, based on the number of teams that clubs field.
Tipperary have received 2,000 stand and 600 terrace tickets because their minors are involved in the curtain-raiser.
But that is very small compared to the 15,000 (10,000 stand and 5,000 terrace) the Premier County got for participating in the All-Ireland senior hurling final.
A sell-out crowd of 82,300 is expected but, between complementaries and long-term ticket sales, just over 59,000 go on sale to the public through local GAA boards and clubs.
"It is unprecedented in many ways, because it's the first Kerry and Dublin All-Ireland final since 1985 and when these two counties meet, it's a big box-office draw," Kerry chairman Jerome Conway said.
"It's a case of the loaves and fishes really, and we do the best with what we have. We put tickets aside for schemes that we run but, at the same time, clubs are getting the same amount of tickets that they have in previous years."
Participating counties are usually confident of getting an extra allocation later in the week when other counties return unsold tickets, but Croke Park believes there will be little or none of these due to huge neutral interest in the game.
The GAA's 'season ticket', which costs €75 initially, gives supporters who attend 60pc of their county's games this year, the option to purchase All-Ireland final tickets.
The number of season-ticket holders this year more than doubled, from 764 in 2010 to 2000 and the GAA have said that all have taken up their 'first option' to buy final tickets.


Помощь в оформлении государственной разрешительной документации на продукцию и услуги
3 Steps for Building A Third-Party Continuous Monitoring Plan
The FedRAMP Annual SAR Template provides a framework for 3PAOs to evaluate a cloud system’s implementation of and compliance with system-specific, baseline security controls required by FedRAMP. The template is intended for 3PAOs to report annual security assessment findings for CSPs. Once the continuous monitoring plan’s development is complete, the authorizing official or a designated representative reviews the plan for completeness, noting any deficiencies. If, however, there are significant deficiencies, the AO can return the plan to the information system owner or common control provider for corrections. Based on this authorization, the level of continuous monitoring and frequency for each control is defined, allowing the system developers and engineers to begin incorporating the monitoring plan into the system development and O&M plan. Software tool configuration – As the IT organization coordinates the desired security controls to protect key informational assets, it can begin to configure a continuous monitoring software tool to start capturing data from those security control applications.
The rumors about the undue complexity of continuous monitoring implementation are actually based on misunderstandings of the NIST’s mention of over 800 controls. There is a need to have a better understanding of the implementation and use of these controls, rather than worrying about the number of them. The National Institute of Standards and Technology introduced a six-step process for the Risk Management Framework , and Continuous Monitoring is one of those 6 steps. Continuous Monitoring helps management to review business processes 24/7 to see if the performance, effectiveness and efficiency are achieving the anticipated targets, or if there is something deviating from the intended targets. During incident response, both cloud.gov and leveraging agencies are responsible for coordinating incident handling activities together, and with US-CERT. The team-based approach to incident handling ensures that all parties are informed and enables incidents to be closed as quickly as possible.
This should include where information will be stored and relevant parties responsible for the information. To elicit information about potential vulnerabilities within the organisation’s information security program, the agency should perform the below activities. To assess the security of their system’s architecture, the agency should consider monitoring updates to the blueprint, relevant compliance standards and configuration benchmark advisories.
So what are the CMMC Continuous Monitoring requirements?
For holistic assessment of security, measures should be mapped to controls within the agency’s security control framework. While continuous monitoring and security monitoring are not identical, overlap exists between the two in that many security monitoring tools gather and record monitoring information that is useful in assessing the overall security posture of a system. Agencies may wish to utilise a Security Information and Event Management System to aggregate monitoring information for the purpose of identifying weaknesses in the desktop environment’s security posture. It’s a matter of monitoring established measurable goals to ensure the organization’s cybersecurity program operates efficiently and effectively over time. Use of automated procedures to ensure security controls are not circumvented or the use of these tools to track actions taken by subjects suspected of misusing the information system. Once the system’s continuous monitoring plan has been developed, finalized, and approved, this information is added to the security documentation, either in the SSP itself or as an attachment.
- As your business’s IT infrastructure changes, it may be introduced to new vulnerabilities.
- Simplifying your cybersecurity through consulting, compliance training, cybersecurity compliance software, and other cybersecurity services.
- In addition, the agency should also consider subscribing to other vulnerability advisory services to receive vulnerability updates about any non-Microsoft applications they may utilise.
- Continuous Monitoring also supports the identification of major system or environmental changes that would trigger a re-scoping and / or adjustment to the SSP and therefore the cybersecurity program.
- Using a new feature of an approved external service that we already use (where the feature doesn’t change our SSP or risk posture).
- If your business is small, it may only have a single office with an equally small IT infrastructure.
This task ensures that the system developers have planned for changes that will happen to a system over time throughout the life of the information system. To be effective, the organization should develop an organizational continuous monitoring program that monitors security controls in an ongoing manner to ensure that they remain effective across the enterprise. Common control providers should also use the organizational plan as a base for the control set’s continuous monitoring strategy.
The purpose of this document is to describe the general document acceptance criteria for FedRAMP to both writers and reviewers. This acceptance criterion applies to all documents FedRAMP reviews that do not have special checklists or acceptance criteria predefined for them. This document was developed to capture the type of system changes requested and the supporting details surrounding requested system changes, including FIPS 199.
Networking configuration management tools for continuous monitoring
This plan also provides guidance for monitoring the security posture of the system and verifying implemented security controls remain fit-for-purpose for the system’s operating and threat environment. The FedRAMP SSP High Baseline Template provides the FedRAMP High baseline security control requirements for High impact cloud systems. The template provides the framework to capture the system environment, system responsibilities, and the current status of the High baseline controls required for the system. The FedRAMP SSP Low Baseline Template provides the FedRAMP Low baseline security control requirements for Low impact cloud systems. The template provides the framework to capture the system environment, system responsibilities, and the current status of the Low baseline controls required for the system. The FedRAMP SSP Moderate Baseline Template provides the FedRAMP Moderate baseline security control requirements for Moderate impact cloud systems.
The FedRAMP CSO or Feature Onboarding Request Template is used to capture an accredited 3PAO’s assessment and attestation for onboarding a service or feature to an existing CSP’s system. This form provides a standardized method to document deviation requests and is used to document Risk Adjustments, False Positives, and Operational Requirements. The FedRAMP ATO Template is optional for Agencies to use when granting authorizations for CSOs that meet the FedRAMP requirements. The FedRAMP Laws and Regulations Template provides a single source for applicable FedRAMP laws, regulations, standards, and guidance.
The role of automation in SOC response plan
Higher-risk assets will require more rigorous security controls, while low-risk assets may require none at all and could even serve as a “honeypot” –– a decoy system that hackers might target before they find something important. The scope of this CMP is specific to monitoring security controls involved with the agency’s use of Microsoft 365 services as part of the desktop environment. As the blueprint is implemented in collaboration with Microsoft as the Cloud Service Provider , a shared responsibility model exists to divide responsibilities relating to the security of the desktop environment. The FedRAMP Annual Assessment Guidance provides guidance to assist CSPs, 3PAOs, and Federal Agencies in determining the scope of an annual assessment based on NIST SP , revision 4, FedRAMP baseline security requirements, and FedRAMP continuous monitoring requirements. The detection of prohibited payments, dubious relationships and high risk activities represents a few of the central elements in both proactive and reactive anti-corruption engagements. The FedRAMP SAP Template is intended for 3PAOs to plan CSP security assessment testing.
With access to real-time security intelligence, incident response teams can immediately work to minimize damage and restore systems when a breach occurs. The cloud.gov team achieves its continuous monitoring strategy primarily by implementing and maintaining a suite of automated components, with some manual tasks to assist with documenting and reporting to people outside the core team. Developing continuous monitoring standards for ongoing cybersecurity of Federal information systems to include real-time monitoring and continuously verified operating configurations.
Start with looking at the specific agencies document structure (font/headings/etc.) to develop a template then tailor it. User behavior monitoring is a frequently overlooked benefit of continuous monitoring software tools. ITOps teams can measure user behavior on the network using event logs and use that information to optimize the customer experience and direct users to their desired tasks and activities more efficiently.
It can be a key component of carrying out the quantitative judgment part of an organization’s overall enterprise risk management. Department of Defense Industrial Base supply chain members must implement cybersecurity programs to protect the Federal Contract Information and Controlled Unclassified Information they may handle on behalf of the DoD. Eventually, DIB members will have to undergo Cybersecurity Maturity Model Certification of their cybersecurity programs.
A Briefing for Board Members, General Counsel, Compliance Professionals and Outside Counsel
Features like automated log aggregation, data analytics, and configurable alerts help IT SecOps teams automate key security monitoring processes, respond more quickly to security incidents and mitigate the risk of a costly data breach. Continuous monitoring is a technology and process that IT organizations implement to enable rapid detection of compliance issues and security risks within the IT infrastructure. To meet this requirement, this CMP provides agencies leveraging the blueprint desktop environment with an outline of implemented technologies that produce continuous monitoring data.
The FedRAMP Annual SAP Template is intended for 3PAOs to plan a cloud system’s annual assessment and constitutes as a plan for testing once completed. An ISCP denotes interim measures to recover information system services following an unprecedented emergency or system disruption. This form provides the JAB reviewers and PMO with an executive summary of the monthly continuous monitoring submission from a CSP.
The agency should consider monitoring updates to the below reference data sources to gather information on software and configuration vulnerabilities. Cloud based systems generate a wide range of information about their operation and use. This section provides examples of various information sources available that agencies may collect and monitor to provide visibility over the posture of their security program. Outside of ISM requirements, this document provides further suggestions and mechanisms which are available to agencies to provide ongoing monitoring across their implementation of the blueprint. It is anticipated that, over time, amendments and updates may be applied to the plan in the event of changes to the blueprint, the desktop environment or the agency. The FedRAMP Risk Exposure Table Template is designed to capture all security weaknesses and deficiencies identified during security assessment testing.
It is imperative to continuously monitor the performance of a cybersecurity program during its lifecycle. This post provides an overview of how the CMMC Continuous Monitoring requirements support a cybersecurity program, and provides a free downloadable worksheet to help small business DIB members plan and implement cybersecurity Continuous https://globalcloudteam.com/ Monitoring. Our continuous monitoring system enables you to evaluate potential vendors based on their security posture, and, once onboarded, to receive immediate notifications if a vendor’s security posture changes. Each agency (there is roughly 100 command/service/agencies) has their own interpretation of continuous monitoring.
Updates can be done with output from the continuous monitoring program and input from the risk executive . To be most effective, this plan should be developed early in the system’s development life cycle, normally in the design phase or the COTS procurement process. System development decisions should be based on the overall cost of developing and maintaining the system over time. For the decisions to be effective, organizational decision-makers and budget officials must know not only the cost of developing the system, but also the cost of operating and maintaining (O&M) the system over time, including developing and monitoring security controls. This O&M must include the cost of security control monitoring in order to provide a full picture of the system’s overall cost to the organization. In some cases, the cost alone of correctly implementing a continuous monitoring program can make a system too costly to justify continued development.
BDO USA, LLP, a Delaware limited liability partnership, is the U.S. member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms. The qualitative nature of the data being captured by location can be analyzed and augmented to insure that the data necessary to monitor conditions and perform necessary forensic tests is being effectively captured. How project variances would be identified and evaluated by those tasked with reviewing the project’s metrics against budgets. Once approval is granted, invoices and/or draw requests will be processed by the Company, and paid within 50 days pursuant to its standard accounts payable policy. To illustrate the benefits of a Continuous Monitoring program, a case study based upon an actual investigation is presented below2.
Our mission is to supply our clients with the security, stability, scalability, support and monitoring they need to grow their business. Improving our implementations in excess of the minimum requirements described in our SSP control descriptions. Routine updates to existing open source components that we maintain, such as fixing bugs and improving security and reliability. Integrating routine updates to existing upstream open source system components, including updates that resolve CVEs, fix bugs, add new features, and/or update the operating system. Documentation provided to cloud.gov must be placed in a format that either cloud.gov cannot alter or that allows the 3PAO to verify the integrity of the document.
She currently works for a university as a technical trainer and documentation specialist. In the past, she has taught university writing courses and worked in two university writing centers, both as a consultant and administrator. A reliable Continuous Monitoring Program is that one that not only evaluates the threats and vulnerabilities, but also remains alert for a timely action and quick recovery how continuous monitoring helps enterprises before it gets too late. Dr. Ron Ross from the National Institute of Standards and Technology is of the view that no system on earth is 100% safe from potential security threats. In other words, it’s almost certain that your IT system or a part of the system is going to be compromised someday. Integrating a new external service that does not have a FedRAMP Moderate or higher authorization.
For instance, SCAP is a promising format which allows the program to perform risk analysis by analyzing the information collected by analytic engines. Continuous monitoring is important because the process is skeptical about potential threats. A good continuous monitoring program is the one that is flexible and features highly reliable, relevant and effective controls to deal with the potential threats. A continuous monitoring plan is a comprehensive cybersecurity plan that’s customized for your business’s information technology infrastructure.


A NEW deal is to be offered to striking security staff at regional airports across the Highlands and Islands in a bid to prevent further industrial action.
Around 120 workers staged a 48-hour walkout last week and union bosses warned further action was inevitable unless Highlands and Islands Airports Ltd (Hial) came up with a written offer by the end of this week.
Inglis Lyon, managing director of HIAL, said: “We will submit a formal offer to the union this week which we hope will provide the basis for a meaningful, constructive dialogue.
“It has always been the intention of the company to address the concerns of security staff, but it is impossible to do so under the threat of industrial action.
“Given that the 48 hour strike has now passed, without causing major disruption for passengers, we are now in a position to resume discussion.
“It is important that we resolve this issue as quickly as possible. The threat of further industrial action is in no one’s interests, particularly as we approach the busy summer season. We hope the union will set aside talk of further strike action and work with us to reach agreement.”
Prospect union members employed by Hial subsidiary, Airport Management Services (AMS), are seeking a five per cent increase in basic pay.
They also want to deal to bring them in line with other Hial staff on overtime, weekend working and sick pay.
The airport management claim this would equate to an increase of almost 30%, which they have previously stated was unacceptable.
Prospect national secretary Alan Denney welcomed news of the new offer from the Scottish Government-owned company.
He said: “We look forward to receiving a written offer and entering into a constructive dialogue with Hial on the basis of this.
“We hope this will lead to a swift resolution of our dispute.”
Hial operates airports in Inverness, Dundee, Campbeltown, Islay, Tiree, Barra, Benbecula, Stornoway, Sumburgh, Kirkwall and Wick.


text:
Russian Duma passes bill to amend certain oil sector taxation parameters at first reading
MOSCOW. Feb 15 (Interfax) - The Russian State Duma on Tuesday passed the government's bill on the use of discounts against the price of Brent crude when calculating mineral extraction tax (MET), excess profit tax (EPT) and the reverse oil excise, as well as a bill on a tax credit for Gazprom Neft at their first reading.
The document, No. 294475-8, was submitted to the lower house of Russia's parliament at the end of last week.
The bill limits the Brent discount to Urals for calculating MET, EPT and reverse oil excise. For the calculation, the proposal is to use Urals crude prices in the actual amount, which should not be lower than the price of Brent minus $34 per barrel for April, Brent minus $31 per barrel for May, Brent minus $28 for June and Brent minus $25 for July .
"Such a transitional period for applying discounts to the price of Brent will allow oil companies to adapt to the application of a new procedure for calculating taxes based on Urals prices," the Finance Ministry told reporters earlier.
Another proposal would increase the price differential used to calculate the gasoline damper from $20 to $25 per barrel, and introduce a price differential when calculating diesel fuel damper, setting a limit of $10 per barrel from April 1 to December 31, 2023.
The bill should stabilize the revenues of regional budgets, Deputy Finance Minister Alexei Sazanov during the Duma session. "Our expectations are that the reduction of the discount that will occur will not ensure a decrease in the income of regions, but rather their stabilization at the level that was previously planned," he said.
"The purpose of this bill is, first of all, to ensure that the discount on Russian oil does not exceed $25 per barrel; a certain discount indicator is set through tax mechanisms, below which it should be unprofitable to sell Russian oil," he said.
Commenting on a potential drop in oil production in Russia as a result of the innovations, Sazanov said: "In terms of production cuts as announced by [Deputy Prime Minister Alexander] Novak, by 500,000 barrels per day [from March], there will be a reduction in any case, and these indicators have already been set down when drafting this bill."
The bill on the Gazprom Neft tax credit states that the company will receive a MET deduction of 1.1 billion rubles per month from April 1, 2023 to March 31, 2029 or 79.2 billion rubles for the whole period, to be repaid between April 1, 2029 and March 31, 2035.
The purpose of this tax credit is to finance the construction of infrastructure for the transportation of liquid hydrocarbons produced on the Yamal Peninsula - the Bovanenkovskoye and Kharasaveyskoye gas and oil condensate fields, a source told Interfax earlier.
The tax credit will be repaid in an amount equal to the received tax deduction indexed by 9%.
The bill sets restrictions on the application of the tax deduction, and it will not be granted at oil prices below or equal to the cut-off price, proposed at $45.04 per barrel in 2023 with subsequent annual indexation of 2% from 2024. No deduction will be given if the price of oil in the tax period is above the cut-off price plus $27.55.
The State Duma plans to debate the bill at its second reading on February 16.


text: Come on a journey – come on Safari! You’ll discover about what it’s really like to live in Africa. You’ll be more than a tourist as you travel through desert tracks and deep jungle with your trusty four-wheel drive friends. They’re the ones who help you out when you’re struggling through dusty sand banks and forging through muddy rivers. But watch out for the broken axels and burst tyres. Landrovers have a hard time of it in Africa. However, when we arrive at our destination it’s not the cars that get to work but the missionaries. They’re the only ones building clinics, reaching out of the way tribes and helping the helpless as they safari through Kenya with the Word of God.

domain: geography