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Oregon State University now offers sustainability education via a unique double-degree format. A sustainability minor is also available. Given the interdisciplinary nature of sustainability, the double-degree is tailored for students in all academic disciplines. Students are required to complete 180 credits in an OSU major (or other from another baccalaureate degree institution) and can receive a second Bachelor’s degree in sustainability by completing an additional 32 credits. Final approval from the Oregon State Board of Higher Education was granted March 1, 2012.
Students may obtain a Bachelor of Science, Sustainability after completing 32 credits of required and elective courses and a practicum, such as an internship or research project. Students may earn a Sustainability Minor after completing 27 credits of required and elective courses.
More than 41 different departments on OSU's Corvallis campus offer courses that emphasize sustainability. From environmental science to business, students in almost any major can find sustainability focused courses without departing from their degree paths. Sustainability courses are not limited to OSU's main campus, courses can also be taken through OSU's Cascades and Hatfield campuses as well as online.
OSU offers offer several sustainability-focused undergraduate degree programs, majors, and minors. Some of them are listed below.
Biological and Ecological Engineering is the application of engineering and life-science principles and problem-solving techniques to the optimum use and sustainability of biological resources. The curriculum is engineering-based with strong emphasis on the life sciences. With undergraduate and graduate options, it brings the insights from biology and the methods of engineering together to provide the products and tools of the future.
The renewable materials minor exposes students to the world of renewable materials science and technology, and enables them to enhance their education by gaining a specialization that makes them more competitive for careers associated with green materials and allied industries.
OSU offers offer several sustainability-focused graduate degree programs, majors, and minors. Some of them are listed below.
The purpose of the Environmental Sciences Graduate Program is to provide a degree granting curriculum that will develop scientists who are able to analyze and understand environmental systems, predict environmental change, and participate in the management of the environment. Each student in the ES Graduate Program conducts research and completes a thesis, dissertation, or project; develops depth in a specific academic area through the completion of focused course work; and develops breadth through a set of core courses that include concepts in physical sciences, life sciences, social sciences.
The BEE department offers programs leading to the M.S. and Ph.D. degrees. The objective of the department's degree programs are to serve as the interface between life sciences and engineering. Biological and Ecological Engineering is the application of engineering and life-science principles and problem-solving techniques to the optimum use and sustainability of biological resources. The curriculum is engineering-based with strong emphasis on the life sciences. Courses focus on biological systems modeling, theoretical and applied aspects of bioconversion and bioseparation processes, regional hydrologic analysis, groundwater systems, irrigation, water resource optimization, remote sensing, image analysis, and instrumentation.
Students who earn a Master of Natural Resources degree will develop analytical and problem solving skills associated with complex natural resources issues. Moreover, students will learn from and network with world renowned OSU faculty in natural resources – including scientists from fisheries, wildlife, forestry, rangeland and water departments.
The Sustainable Forest Management graduate program emphasizes the conservation of forest-dominated landscapes to meet a defined set of ecological, economic and social criteria over long time frames. The program follows the sustainable principles outlined by the Montreal Process Criteria and Indicators. These principles have been adopted by the state of Oregon.
This program provides a strong grounding in the principles and techniques of active management of forests to improve forest health and condition while producing a full range of products and ecosystems services. It consists of a common core in the principles and criteria of sustainable forest management; statistics for design and interpretation of experiments; and specialization in one of six areas of concentration.
The Sustainable Natural Resources graduate certificate is an 18-credit interdisciplinary program offered online through OSU Extended Campus. Students have a choice among 12 courses designed to build personal and organizational capacity to examine the many aspects of natural resource problems—environmental, economic, and social—in the search for innovative solutions.
Fisheries Management is facing unprecedented challenges. Scientists, decision makers, and stakeholders must work together to rebuild over-fished stocks, implement ecosystem-based approaches, design global fisheries agreements, sustain coastal fishing communities, reduce over-capacity and increase the cost-effectiveness of research and management.
Goal 5, Social Responsibility and Sustainability, states: "As an OSU graduate, you will develop the capacity to construct an engaged, contributing life, and to engage in actions that reflect an understanding of the values of service, citizenship and social responsibility, and demonstrate global competence by understanding the interdependent nature of local and global communities."


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Good Smile Company now have a webpage detailing the upcoming Figma Gridman. This is a simpler figure mainly focused on articulation, unlike their combining Gridman. It’s also noticeably different in stylization.
In case you haven’t been paying close attention to your calendar, September is now upon us, and that means the beginning of fall isn’t far behind. While those hot summer nights may be coming to an end, HasbroToyShop is now offering a special promotion to help alleviate some of those late summer blues with a little retail therapy!
Via Snakas at Autobase Aichi, we now have official TakaraTomy stock photos for the upcoming Diaclone releases DA-28 Powered System Maneuver Delta and DA-29 Battle Buffalo!

industry_corpus2: Others


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Hi there. As you know I am keeping an “Important Studies” page where I will link to studies on which I base my various stances on different Alternative Medicine Modalities. I have just updated it by adding a second study/analysis to the Homeopathy section and adding a new section and a new study in the General/Multiple CAMs studies. Check them out and send me links to other studies as comments on that page. Thank you.
Someone who writes about hot-button issues such as vaccination, prescription drugs, complementary medicines and “health” foods such as raw milk – as has been known to happen in this column – gets a lot of interesting mail.
That people are passionate about health issues is not at all surprising. Hopefully, that will never change.
What has changed a lot over the years, however, is the nature of correspondence and the nature of scientific debate more generally.
Prior to the Internet and e-mail – a time not long ago, remarkably – people were sometimes moved to write letters in response to an article. These missives were infrequent, but usually thoughtful and thought-provoking.
Today, quality has largely given way to quantity.
Irked about something you read in the paper or online? You can fire off a vituperative missile by e-mail or in an anonymous posting on the Web.
Then you can post the article and choice comments on a listserv or blog.
Or get in your digs with Twitter tweets and have like-minded people join in on the bashing.
All of which is fine: The occasional write-in and phone-in protest campaigns of old have given way to routine flaming and viral e-mail attacks. (One thing that has not changed is that people are almost always moved to put pen to paper or thumbs to keypads when they are angry, not happy.) Feedback, no matter how relentlessly negative, is welcome – or at least it should be. Constructive criticism keeps you honest and forces you to be more precise and hone your arguments.
Sadly, though, there no longer seems to be much place for civilized disagreement, honest scientific-based dissension, on differing analyses of agreed-upon facts.
Instead of deconstructing an argument or offering up an alternative philosophy, rebuttals too often take the form of insult and character assassination.
Again, this goes with the territory: If you are going to offer up an opinion on health issues, particularly those that people hold sacred, you had better have a thick skin.
Journey through a burning mind.
For instance, Bond says that “science and Buddhism seem strangely compatible … [because] to a large degree, Buddhism is a study in human development.” No, it isn’t. Certainly not in the scientific sense of “study.” Buddhism, like all mystical traditions, is about introspection, notoriously a remarkably unreliable source of “evidence.” In that sense, Buddhism is much closer to some continental philosophical traditions based on phenomenology and first-person subjectivity than to science — the quintessential third-person approach to the study of natural phenomena.

industry_corpus2: Health & Medicine


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Located inside the city of Valadolid, the Cenote Zaci is a impressive, partially collapsed cavern with a diameter of 45 meters (148 feet). From the roof hand some stalactites, formed over time by mineral traces carried by the water.
The flora of the cenote is composed of poplars, ferns, philodendrons, orchids and some others. The rock inside the cenote have algae, and on the outside are covered in moss. The depth of the water varies from 82 to 98 feet’s in the shallow parts, up to more than 328 feet’s in the deeper parts. As for the height of the vault, related to the water level, it is of 95 feet’s, varying between dry and wet seasons. The fauna is comprised of swallows, bats, carfish and many insects, such and dragonflies, beetles, snails and other.
Today, the cenote Zaci is touristic symbol of the city, for it is located a few meters from the city center, on top of carrying the same Mayan name as the city.
Generally speaking, handcrafting is very traditional in Yucatan, but in Valladolid some prehispanic technics remain, such as hammock warping, wood and stone carving, counted-thread embroidery ant he making of diverse clay figures.
There are artisans keeping alive the old trade of saddlery, making everything from typical huaraches – simple sandals-, all the way to craft leather purses.
Beautiful han made gold pieces are made too, with exclusive models and very accessible henequen rugs, plan hats or even a splendid “huipil”, a traditional dress of the Yucatec woman that still uses this beautiful garment, representative of her culture.

industry_corpus2: Travel & Geography


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This article was bookmarked by me weeks ago, and today I re-read it and decided to discuss it here, then I read a few of the comments and my head started to spin. J.P., who is one of the biggest forces for innovation in telecom, touches so MANY vital issues. And, most importantly, he doesn't deliver his opinions as much as he asks high-quality questions.
I'm going to go back and read all the comments and also read Clay's book and the new edition of Cluetrain Manifesto, which I have to retrieve from a friend. Then maybe I'll have a qualified opinion about all this, but in the meantime, please read the quote below and see if it doesn't change your mind about how customers should be treated and respected.
Sponsoring performances is old hat, but hotels actually hosting performances and events around entertainers, especially local ones, offers many opportunities for innovation. Examples from Renaissance Hotels are here, but wouldn't this be really easy for any hotel to copy? The hotel may want to hook up with a good local music promoter, and availability of performance space in the hotel may be infrequent, but this has to be a great way for the hotel to strengthen ties with the local community. Would love to see a Houston hotel try this. Doesn't seem to be happening at the Houston Renaissance yet.
In addition to hearing the music, the RLife Live program gives hotel guests a chance to engage with musical talent on-site at the hotel properties. Renaissance has curated these experiences, with events ranging from intimate acoustic performances to listening parties, to pre- and post-concert events and meet and greets that go beyond just a quick photo or autograph signing.
The availability of information is changing the way people buy, and the most important change is in the evaluation stage. Instead of considering a few brands, comparing and selecting, people now scan a much broader horizon after they develop a purchase interest. If an iPhone sparks my interest, I won't just look at its direct competitors. Instead I will engage my contacts in conversation, observe how iPhones are being used, and search the web for mentions in any context. I may or may not ask Apple for information, but if I do, the quality of Apple's response will be crucial. Did they respond to me as an individual, or did they just dump product information?
Newcomers can jump into consideration more easily than ever just by providing an excellent customer experience. Why should you try to buy awareness with media dollars when you can jump into the conversation at the evaluation stage? If you're participating in the conversation, you have better quality feedback that you can use to constantly improve. Advertisements that don't work tell you very little.
When deciding whether or not to work with someone, you must pay close attention to the context of their questions. Some people want to learn, and some people just really don't. For those of us who love to learn, it's mysterious but a very, very real concern.
If your prospect doesn't understand what you do they must either 1) trust you to handle it, or 2) display a willingness to learn from you. It's hard to walk away from someone who really could use your help. Visit the link below to see a very entertaining example.
There is no incremental local retail advertising to be had. The money simply isn’t there. If a local company is big enough advertise, it is already doing it. If it is not big enough to advertise — there’s a reason. The myth of local advertising is that it exists at all. It simply does not.
Among the many ways I'm trying to reconfigure my life, establish new routines, and open myself up to new experiences, I'm going to be blogging more often, with less focus.
Clarity is very important to me, but my life had become too fragmented. Trying to keep things separated has become a big disadvantage. So you'll soon see me talking here about everything that interests me. Perhaps I'll do more 'continued' posts so the blog is easier to scan.
I'm still devoted the new 'viewspage' concept, but I hope that will evolve into something that can be grasped and leveraged more quickly.
I'm also going to spend more time being a follower instead of a loner. I've chosen the VRM Project to follow and support, and I'm thinking about going to SXSW to meet other followers, as there don't seem to be any here in Houston.
As I integrate everything, it will often happen that it's not clear what I'm talking about. It scares me to be less clear, but I think it's just a passage I have to make to a new self.
I'm also going to start looking for employment with someone besides myself. I never thought I was any good at being an entrepreneur, but I'm tired of not having funds for my pet projects. In my past, my greatest accomplishments were as a team member at large companies, so I will be looking for a team to join. Notice that I am not looking for a job, and will not be responding to job listings. However, if you know a great business that would appreciate my contributions, please let me know.
In order to innovate, you must supply yourself with the right environment. Harvard Business School professor Teresa Amabile (author of Creativity in Context) identifies three ingredients: 1) the company of adventurous, thinking people, 2) a mission about which you're passionate, and 3) an environment that promotes learning and innovation more than efficiency and production.
Few businesses can supply these ingredients, so we have to put them together ourselves. That's why I co-founded the Houston Summit. It gathers Houston's most innovative minds, helps them find a mission, and supports them in creating temporary workspaces that support their creativity and desire to change the world.
Without the creativity that produces new and valuable ideas, innovation — the successful implementation of new ideas — withers and dies. Creativity depends on the right people working in the right environment. Too often these days, the people come ill-equipped, and their work environments stink.

industry_corpus2: Computing & Telecommunications


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The rise in publicity over Web content management and the tools supporting it has been meteoric. The tools are being marketed for a huge variety of functions ranging from e-commerce Web site management to heavy-duty document management. Among the areas being targeted is the use of the Web for intranet sites, particularly to help manage internal documentation and support knowledge management initiatives.
The old chestnut of knowledge management being more about people than the technology that supports it is still true. Content management tools do not provide a complete knowledge management solution, as some vendors seem to believe, or at least as some marketing material would have you believe. Content tools can provide helpful facilities to manage the large volumes of content that organizations inevitably accumulate. They can also help manage organizationwide contributions to best-practice and "things I have found useful" resources. So how do they actually do that?
Ovum has defined a model for content management that describes how the tools should work. The major elements of functionality that are particularly relevant to knowledge management are discussed in this article.
Content management tools take input, manage it and then publish it to a Web site. They usually are able to manage multiple versions of content as it changes over time. While some tools provide facilities for actually creating and editing content, many will simply expect you to create your content externally and then load it into the management tool. The software then manages the versions and publishes it to the Web site.
Some tools, usually from a document management background like FileNet and Documentum, will allow you to create content in any format that you like. If you use MS Word, CAD/CAM, Wordperfect, Corel or any one of a whole range of tools, you can simply use them and load the resulting content into the software. Other tools from different backgrounds--such as Interwoven (interwoven.com) or Mediasurface (mediasurface.com)--are engineered more toward entering content through templates. While you can load externally created content, it is usually delivered as the original source through a "hot spot" on the Web site rather than being rendered to HTML. Common examples are the white papers often seen on Web pages that are provided as Adobe pdf files. Those tools are much more focused on managing traditional Web sites or helping to you manage e-commerce.
Content is loaded into the content repository, database or file system. The way the content is stored is sometimes proprietary to the individual content tool, although a general theme is that metadata is often stored in a database--usually a standard database like Microsoft SQL Server, Oracle or Sybase—and the content itself is stored in the file system. Sometimes when the content is relatively small it is also stored in the database.
Versioning can be an important element of managing your content. It is often important to ensure that the version you are looking at is the most recent. It can also be essential to go back and look at previous versions--how often have you changed a document and deleted something that you wanted subsequently? In general, content tools will version all content when it is loaded (checked in) to the repository. The system also will usually record the date, time and log-in name of the author--knowing who wrote a document can often give it additional authority. When content is edited, the same information is recorded so that it is possible to retain a complete audit trail. Many systems will allow you to enter comments about the content, such as why it was created or updated. However, that is usually voluntary, and most people don't bother. How many of us regularly use the "Properties" function in MS Word for that? The information can be incredibly useful, particularly for searching, but is rarely completed. That is one of the big "people" issues for knowledge management.
Where do you use the content?
This is not as odd a question as it seems. Content management tools that have come from a document management background are designed for you to create and use the content directly from the repository. The publication is an add-on facility so that content can be made available over the Web. However, the newer tools focused on Web publication are designed for the content repository to be used as a "back-office" facility principally for the content authors and Web designers. The content is then published to a Web site, and the majority of users access the content from there.
Those two models mean that different facilities are available for using the content. Those from a document management background are often more suited to environments where everybody is a frequent and substantial contributor. The more Web-focused tools may be better in environments where more people simply read the content. However, all usually provide browser-based thin clients for reading content, and many also provide mechanisms for contributing clients from the same environment, often using Java applets.
After content has been created, it can be published to the live Web site. The process usually involves copying the content from the repository to the live Web server. The large majority allow you to publish content incrementally so that only the changes are copied. Clearly that is important if you have a large Web site.
For some tools, that stage also involves rendering the content to HTML from its original stored source. Software such as Xpedio from Intranet Solutionscan take more than 200 different formats of input documents and render them to HTML or GIF files so that both text and images can be delivered directly to the Web browser. That tool, together with a small number of others such as Panagon 2000 from FileNet, will also split large files into smaller components so that long documents are split into more manageable pieces for delivery as HTML pages. Connections between the pages and tables of content are also generated automatically to provide navigation links for users. The technology was originally developed by an organization called InfoAccess, which was acquired by Intranet Solutions in 1999, and is the basis of similar functionality in a number of other tools, such as Panagon 2000, through OEM agreements.
Other tools, such as Vignette and Interwoven, will simply provide you with a link from the Web page into the original source file.
The technology can only ever be part of a knowledge management solution. Content management tools provide several features to help issues beyond the storage and distribution of content. One of the most important of those is workflow. At the least, workflow provides you with facilities for routing new or updated content to individuals who can authorize it for publication. It is usually supported by links to an e-mail system so that the appropriate "authorizers" can be notified automatically, rather than having to check tasks lists at regular intervals.
The authorization process has at least two different aspects. Is the content correct, and is it actually useful ? Content that is published on a Web site often gains a credibility that is not always justified. Knowledge management information must be trustworthy. There is also the element of usefulness. Knowing the monthly rainfall in Alma Ata might be essential to some people but not to most. The information that is posted must be relevant and valuable or a Web site becomes cluttered with useless "knowledge."
A perennial problem of knowledge management is persuading people to contribute their knowledge. Content management systems do not provide an answer to that problem. But if the system provides valuable information, people are more likely to contribute. Content management tools provide facilities for universal contribution and access to information. Therefore, they provide a supporting mechanism for knowledge management--not the whole answer.
Alan Pelz-Sharpe and Chris Harris-Jones are senior consultants at the research and consulting firm Ovum, and are authors of the recent report "Web Content Management: Strategies, Technologies and Markets," e-mail aps@ovum.com or chj@ovum.com.


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Since 1818, farmers have relied on the Farmers’ Almanac for uncannily accurate weather predictions to inform their planting, harvesting, and day-to-day living. In 2017, Slow Food New York City will sponsor the Seventh Annual Food Almanac, a food and farming prognostication inspired by the Farmers’ Almanac.
The Food Almanac is a singular opportunity for food-active individuals to consider food and farming policy issues in the New Year. At first glance, food and farming seem to be an afterthought in the Trump administration. But, the Republican Congress is entertaining big changes in food and farm policies and counting on the President to make them happen….
Will School Lunch reforms and Nutrition Standards stand?
Will the administration compromise on undocumented farmworkers?
Big Questions! To help answer them, our panel of experts will speculate on the year coming and suggest how each of us can engage on the issues. The Food Almanac is NOT just Food for Thought. Attendees also will enjoy networking, local wine and beer, and delicious seasonal snacks.

industry_corpus2: Agriculture & Fisheries


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In this new project we will present our GPS Tracker connected using the GPRS technique and MQTT protocol.
This tutorial is to introduce how the Grove - GPS can be used with your BeagleBone Green Wireless(BBGW). And we will create an application which shows your position information on OLED, with a simple python script.
This article describes how to get the BeagleBone Green working as a device controlled from your mobile phone that can send back status updates (position and attitude) to the controller.
This project is designed to indulge the past time of war driving and possibly contribute to location accuracy in urban environments using scanned wifi networks and associated signal strength.
Quick question about the resolution of this device. The datasheets have different resolutions listed: 5m CEP for the E-1612-UB and 2.5m for the SIM28. Currently I'm assuming 5m is the one to work off of, is that correct?
Hi there, the Grove-GPS v1.2 uses the SIM28 module. For sim28 module, it is 2.5m cep. thanks.
Does this come with the antenna?
Hi there, the antenna is included in the package. thanks.
Hi, Is there a fritzing library of this product? It is very urgent right now. Please.
Hi Sorry, we do not have the fritzing library for the products. thanks.


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Edible Queens Print Editor Abby Carney shares a story on her bubble tea experience in Flushing.
Just a block or so from Flushing’s Main St. station, a small sidewalk queue almost seems to bounce with anticipation—waiting for lemon grapefruit, red bean and green tea, mango and several other milk bubble tea flavors.Located in ChaTime’s former home (the publicly listed Taiwanese chain with over 1,000 stores worldwide), beside a passport photo booth and cell phone repair shop, the tiny mall space mostly operates from its walk-up window, though it’s possible to order from inside. Tea Cha Cha serves an array of bubble tea options that can be topped with red bean, taro, aloe vera, egg pudding and sundry flavors to passersby and aficionados in need of a tea fix.
A relatively new treat that originated in Taiwan in the ’80s, bubble tea’s genesis as a popular iced tea drink didn’t really take off until the ’90s. There are a few different origin stories—some say the first to serve their tea cold was a concession owner at Chun Shui Tang teahouse in Taichung who was inspired by iced Japanese coffee.
From there, bubble tea was first invented by his bored product development manager at a staff meeting who dumped a packet of tapioca into her tea. Others say it was invented by a tea stand owner who started adding fruit flavoring to her teas that needed a good shake to be mixed thoroughly, creating a top bubble foam layer. However it began, the multiple versions and flavors of the drink have been widely popular ever since. Even McDonald’s has gotten in on the trend, offering 250 flavor combinations on their German menu in 2012.
There are countless other vendors in the area hawking the bulbous Taiwanese-made stuff alternatively known as pearl milk tea, boba milk tea, boba tea or tapioca tea; but on my latest visit to Flushing, Tea Cha Cha caught my eye. I couldn’t imagine anyone having a bad time at a place called Tea Cha Cha, and the cute, smiling yellow bear on the logo holding its own fruity beverage beckoned me. I had some sitting and waiting in my near future, and the thought of slurping up soft jelly fruit bits and starchy tapioca pearls—chewing the cud so to speak, to facilitate rumination—was soothing.
Read on for Abby’s full experience at Tea Cha Cha in Flushing. Abby Carney is print editor at Edible Queens and a contributor to Texas Monthly, The Washington Post, Forbes and more.

industry_corpus2: Hospitality & Catering


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Maligayang Pagdating sa Ikaapat na Sinulid ng mga Talakayan ng BANKARD.
Welcome to the Fourth Discussion Thread of BANKARD.
MGA SINULID NG TALAKAYAN NG "BANKARD"
RCBC BANKARD, publicly and legally known as BANKARD, INC. (traded as "BKD" in PSE) is the second largest credit card issuers in the Philippines in terms of the most number of card brands acquisition, issuing Visa, MasterCard, JCB and CUP credit cards.
BDO issues the most brands in the country, namely MasterCard, Visa, JCB, UnionPay, American Express, including corporate and tie-up cards with different companies, and now Diners Club.
On December 4, 1981, Philippine Commercial International Bank (now part of BDO) organized the Philippine Commercial Credit Card, Inc. (PCCCI). Full commercial operations started in June 1982. It has strong partnership with Mastercard International.
It also issued its own line of credit and debit cards in the 1990s.In July 1992, PCCCI changed its name to Bankard, Inc. In March 1995, Bankard, Inc. was publicly listed in the Philippine Stock Exchange and started offering dual currency feature.
In May 2000, the Yuchengco group acquired Bankard from PCI Equitable Bank (now part of BDO), a product of the high profile merger between Equitable Bank and Philippine Commercial International Bank (PCIBank). The merged bank decided to keep Equitable's credit card arm instead of merging Bankard into Equitable Card Network's (now part of BDO Consumer Lending Group) operations.
In 2006, following the sale of the entire Bankard business and all of its assets to RCBC and RCBC Cards, the company re-branded its cards from Bankard to RCBC Bankard the following year, 2007. Now as RCBC BANKARD SERVICES CORPORATION. From 2000 to 2006, the merger of RCBC Cards and Bankard, Inc. was being realized.
Bankard is granted the license to acquire merchant billings and to issue credit cards carrying MasterCard brands in 1991, Visa brands in 1995, China UnionPay in 2010. Through RCBC Cards, Bankard also started issuing JCB cards.
In terms of card features, Bankard is known for being the first card company to launch a catalog-free Rewards Program and a simplified, no-hassle installment conversion feature that allows cardholders to convert their retail purchases to installment just by calling the RCBC Bankard Customer Service. Cardholders can likewise avail themselves of flexible and easy-on-the-pocket installment packages through the RCBC Bankard Installment facility that also includes 0% interest installment.
BANKARD, INC., traded as "BKD"
Exact Name of Issuer as specified in its charter: BANKARD, INC.
Bankard Inc., doing business as RCBC Bankard.
The Yuchengco group acquired Bankard in 2001 from PCI Equitable Bank, a product of the high profile merger between Equitable Bank and Philippine Commercial International Bank (now merged with Banco De Oro). The merged bank decided to keep Equitable Bank's credit card arm instead of merging Bankard into Equitable CardNetwork's operations.
Bankard was considered a pioneer in the local credit card industry. It was established by PCI Bank in 1981 and its strong partnership with Mastercard International in the 1990's made it a formidable player and a lucrative business.
1. Make sure you pay at least the full minimum amount due on your card as often as possible. If you are sticking to your monthly budget, this shouldn’t be a problem. Don’t overspend! Take advantage of your RCBC Bankard’s free, customized, spend management tool called Spend Analyzer. It allows you to plan your card usage by printing an expense summary table on your monthly statement of account. In one glance, you’ll be able to see your family’s expenditures for the month’s cycle and the year-to-date cycle.
2. Hold on to your transaction receipts so that you can refer to them whenever you are in doubt of a particular entry in your monthly statement of account. Save all of your transaction receipts. This will serve as your proof in case there are erroneous postings in your monthly statements.
To keep track of your card transactions and manage your budget, enroll in the RCBC Bankard Spend Monitor and enjoy peace of mind with real-time SMS advisory that keeps you informed of your card transactions. The best part about this is that this service is free-of-charge!
3. Owning a credit card is a privilege, not a right. A credit card is a financial tool that you should use responsibly. Pay your credit card bill on time and at least the minimum amount due in full each month to avoid interest charges and late payment fees.
If you’re a good cardholder, your RCBC Bankard will generously reward you with credit limit increases and special perks. Settle your monthly dues right in the comfort and convenience of your home via an online payment facility powered by BancNet. No need to line up in the bank or payment centers! All you need is a BancNet account. See all payment channels here.
Of course, the best option is to consolidate all your spending on your RCBC Bankard and generate savings for yourself by enjoying rebates on your interest charges. Learn more about Balance Transfer. Talk to our Customer Service Representative by calling 8881888.
5. Never let others use your card or share your PIN to avoid problems that may arise from fraudulent charges. Not only will these fraudulent charges give you a headache, more importantly, it will destroy your credit worthiness. Be vigilant. If, however, you want to share your card privileges with your loved ones and chosen household staff, the best way is to get them Supplementary Cards. Their first-year membership fees will be waived. You may apply online here or call 8881888.
6. Read all pertinent messages, updates, and/or notices printed on your MBS/SOA. Read all pertinent messages, updates, and/or notices printed on your Statement of Account. This will help you in keeping your RCBC Bankard credit card account in good order and standing.
Your RCBC Bankard has set up convenient ways for you to access your monthly statements of account. Log on to website or enroll in the eMBS/eSOA Via Email facility to have your monthly statements sent directly to your email address thereby insuring that you will get your statements on time.
7. Keep your Credit Card information secure at all times. Do not fall victim to phishing websites, emails or prank calls asking for your credit card details. Be smart in determining the need to divulge these information and the manner it will be done. For your security, immediately sign at the back of your credit card upon receipt.
1. Never divulge your card number, online passwords and, most importantly, the last three digits at the back of your card to anyone. If you have been issued a Personal Identification Number (PIN), memorize it and destroy the mailer on which it was sent.
2. Before signing, check whether the amount printed on your transaction slip is the actual amount of your purchase.
3. Never surrender your card to anyone for whatever reason. We can provide all the services you need (i.e., balance transfer, card upgrade or replacement, increase in credit limit) without getting your card from you.
4. Never respond to fraudulent e-mails especially those that are requesting for confidential account information. If you’ve received any emails like this or responded to one already, please call 888-1-888 or 1800-10-888-1-888 immediately.
5. When dining or shopping, always personally hand over your card to the cashier and take note of the length of time before your card is returned to you.
Make the most of your spending with our Rewards Program!
RCBC Bankard lets you earn rewards for your spending anywhere*! Plus, it’s not only generous, it’s non-expiring and has no cap.
JCB MyDream, Co-branded Cards, Corporate Cards, and Private Label Cards are not eligible to enroll in this program.
Co-Brand cards have different rewards programs and as such, are excluded from this program.
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industry_corpus2: Finance & Economics


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I saw The Dark Knight Rises this weekend. Did you? Did you love it? I LOVED IT. I know this is blasphemous, but I actually liked it more than I liked The Avengers. Don’t get me wrong, I really enjoyed The Avengers; it is a fun, clever, and funny movie with a great (and attractive) cast, and also Joss Whedon. However, I like my superheroes dark. Pitch black, actually, My favorite graphic novels are Neil Gaiman‘s Sandman series and Watchmen, and those are pretty dark (see my posts here and here). I just love Nolan’s Batman trilogy. I know it isn’t everyone’s cup of tea, but the dark and brooding and graphic and realistic grittiness of the series really appealed to me, and so many scenes from each film are ingrained in my head. While this movie wasn’t as good as The Dark Knight, mostly because Bane just isn’t as visceral and ferocious a villain as Heath Ledger‘s (RIP) astonishing Joker, this was an awesome film and you TOTALLY NEED TO GO SEE IT.
So a few very loose comments because I don’t want to spoil anything: Anne Hathaway and Joseph Gordon-Levitt are great (particularly Anne Hathway, she’s just the best, and I adore the design on this particular Catwoman costume), and all the returning actors are also excellent in their roles. Some fantastic French Revolution/Robespierre undertones. Tom Hardy is a good actor but Bane’s mask allows him to showcase so little, so I feel for him. Overall SO GOOD. Have you seen the film yet? What did you think?
*I’m going to mention the Aurora shooting because it would be dumb if I didn’t: it is all kinds of levels of terrible. Batman is supremely anti-gun. I think we all need to take a hint from Batman. I don’t have any profound words, just that what happened in Aurora was terrible, and that periodically during the movie my thoughts went to the victims and their families, and people can be terrible, and such.

industry_corpus2: Film & Entertainment


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Dir: James Wong. US. 2001. 80mins.
promising box office showings in the US of last year's Romeo Must Die ($56m) and this past summer's Kiss Of The Dragon ($37m), this action/sci-fi video game of a movie will do little to further advance Li's Hollywood career. Lack of competition for young male filmgoers may, however, allow for a moderate US opening, while Li's star power should ensure at least middling results in some international territories.
- is Yulaw's last surviving counterpart, a tough but sweet-natured Los Angeles cop living in a universe very much like our own. Trailing Yulaw through the wormholes are Multiverse Bureau agents Roedecker (Lindo) and Funsch (Statham, from Lock, Stock And Two Smoking Barrels).
moment of mistaken identity inciting genuine tension.
The performances are equally disappointing (although the cliched dialogue does not do the actors any favours). Li has his moments as the evil Yulaw but his presence fades when he portrays nice-guy Gabe. Gugino (from Spy Kids) gets little to do as Gabe's wife and Lindo's character is killed off too early on to make much of a mark. Statham drops his Cockney accent and does a none too convincing impersonation of a poor man's Bruce Willis.
Prod cosRevolution Studios, Hard Eight Pictures.
Exec prodsLata Ryan, Charles Newirth, Todd Garner, Greg Silverman.


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At Penn State DuBois our academic programs offer students a range of knowledge and skills as they prepare for careers locally, nationally or globally! With more than 160 Penn State majors that can be started at Penn State DuBois, and completed at University Park or another Penn State location, DuBois offers 7 baccalaureate degrees, 8 associate degrees, minors, and a variety of special programs that can be completed right here in DuBois!
Want to begin a degree in nursing? Or in healthcare? Or become a teacher? Or want to start close to home for your first year or two and then transition to another Penn State campus?
Outreach at Penn State DuBois is a bridge between Penn State resources and our partners, including business and industry, non-profit organizations, educational institutions, and state and federal agencies. We serve individuals, organizations and businesses in Cameron, Clarion, Clearfield, Elk, Forest, Jefferson, and McKean Counties.

industry_corpus2: Subject Education


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As we’re finally done dipping our feet towards 2018, let’s look at some of the big plans of well-known major players in the tech industry. Here are just some of what to expect from big tech brands this 2018.
Google has grown to be much more than just a search engine. It has expanded its product and research to several technologies. Here are some of the changes and projects we expect Google to do this 2018.
Google continues to improve its roots in search engine optimization with expected changes this year. One of the changes would be adding more emphasis on RankBrain, an algorithm update. RankBrain stemmed from Google’s advancements in machine learning which enables better interpretation of queries and precise matching with relevant page content. With processes of 63,000 searches per second, RankBrain will prove to be significant this year.
The popular tech firm would also focus on Accelerate Mobile Pages or AMP. It is an open-source initiative that allows publishers to produce mobile-friendly content once and have it instantly load everywhere. Users searching on their mobile devices will be immediately directed to relevant pages and businesses can create smooth and fast-loading websites. This result will need marketers to be familiar with AMP so as to generate better websites and more online presence.
Google will also continue to provide relevant search results using real-time integrated penalty filters. This filter is incorporated in the latest update of Penguin, Google’s real-time filter within the search algorithm. This initiative eliminates spam websites in real-time.
Google recently reported that sites should start to use HTTPS instead of HTTP for better website security. This change comes with an incentive of a minor boost to a website’s search ranking. However, according to recent tests, the boost will not be more than 1%. Google plans to further increase the added rank boost so as to encourage websites to switch to HTTPS.
Google plans on adding new features to Gmail. The popular email service is already testing features to make Gmail faster, and dynamic using the AMP technology. The main plan is to make email pages automatically update. An example of this new feature is users automatically seeing updates of flight information in a booking confirmation email. Gmail will first use this feature to bulk senders such as retailers, or magazine subscriptions. The new feature would allow recipients to see current sales regardless of when the email is opened. The feature will roll out later this year.
Reports say Google plans to employ 10,000 human content reviewers to moderate YouTube videos. This is a response to YouTube’s cut down on ads and after advertisers pulled out of YouTube due to last year’s issue of ads appearing next to terrorist videos and inappropriate videos of children. As a result, YouTube is striving to push for transparency and human review of content. YouTube will also start to release regular reports regarding data on flagged videos and the actions done by YouTube.
It was recently reported that Google is planning to build three underwater cables to be completed in 2019 in order to expand their cloud business. Subsea cables will be planted in different routes: Los Angeles to Chile, the US to Denmark and Ireland, and Hong Kong to Guam. These cables will make it possible for Google to deliver better cloud service experience. The servers can still provide good service performance even if a server in one region causes a problem.
As Facebook continues to become a widely-used social media platform, how does it intend to use its influence this 2018?
In early January, Facebook founder and CEO Mark Zuckerberg posted on his account a message that would spell Facebook’s major plan for 2018. According to the post, Facebook wants to make “... sure the time we all spend on Facebook is time well spent.” This idea will result in a more streamlined news feed, thus cutting down on media, business, and public posts and allowing for more personal content from close family and friends. Zuckerberg says they expect users would spend less time on Facebook due to this change but they believe this is for the good of the community and their business in the long run.
On a later post, Zuckerberg says that Facebook will be making a series of updates regarding their initiative to streamline newsfeeds. The first step they took is to prioritize local news content on users’ newsfeed. The idea sprung from people telling Zuckerberg that they want more local news on their feeds. Facebook hopes to build a stronger community online and offline by exposing its users to more of its local news, thus increasing their community awareness. Facebook will start with the US and will continue to expand to more countries this year.
The widely used messaging app will also undergo some changes this year. Due to its popularity, stickers, emojis, and gifs will continue with the addition of new features emphasizing visual messaging for better interaction among users. Messenger will also push the idea of making the messaging app a platform for customer service for businesses. Due to its convenience for both businesses and customers, Messenger serves as the preferred method for consumers to reach businesses and vice versa according to a study by Nielson. As a result, Messenger will add advanced features and improve its messaging experiences for all businesses for a seamless and valuable customer engagement. This initiative helps Messenger transform into a business communication platform.
2017 saw the cultural and financial revival of Microsoft under new CEO Satya Nadella. As they continue to hold down their footing in the tech industry under a new leadership, what will 2018 hold for Microsoft?
After two Windows 10 updates last year, we are expecting another two upgrades for the OS. The first update is expected around March to June, during Spring time. The update might contain major improvements to Windows, Timeline, and Sets.
Last November, Microsoft released Xbox One X leaping ahead of Sony and introducing a new version of a gaming console. However, no new games suitable for the console was ever introduced upon its release. As such, gamers will see new game releases for the Xbox One X, such as the Sea of Thieves released on March 20.
Microsoft will update the Office applications which will be released during the second half this year, while previews will ship mid-2018. Office 2019 includes the usual applications with the addition of servers such as Skype for Business and Exchange. Some new features include new and improved inking features, new formulas and charts for Excel and visual animation for PowerPoint. The update focuses on usability, IT manageability, and voice and security for server updates.
Earlier this year Microsoft joined ID2020, a nonprofit public-private partnership spreading awareness on the challenges faced by people living without identification. Using the technology, Microsoft aims to provide a legal form of identification for 1.1 billion people worldwide. The result is a prototype using Microsoft’s Azure and Accenture’s blockchain. It uses a fingerprint or iris scan to create and secure a legal ID. The ID can be accessed on a smartphone app for assistance at border crossings or access to basic services such as healthcare. The goal now is to spread this technology starting with refugees.
Microsoft uses advanced technology to help millions of lives with no IDs. Know more ways technology can make a difference.
IBM will start the year with reassigning over 30,000 workers and cutting down on 10,000 positions. With a workforce of 20% onshore staff, 20% nearshore staff, and 60% offshore staff, IBM aims to reduce employee costs and improve the bottom line. Despite working with a smaller staff, what are some of the big plans IBM has this year?
Why did IBM choose to hire more than half offshore staff? Read the benefits of IT outsourcing.
Early December last year, IBM launched the first line of its Power9 machines called “Newell” Power AC922, also previously known as “Witherspoon”, with two Power9 processors having up to 1TB of memory per socket using industry standard 64GB DDR4 RDIMM memory sticks. According to reports, IBM will also ship 128GB memory sticks in the second quarter of the year. This upgrade should boost Newell/Witherspoon’s memory capacity to 2TB per socket. Newell aims for data analytics, HPC simulation and modeling, and machine learning workloads.
The question now is: what will this growing Chinese tech firm do next?
In a video conference last November 2017, Tencent announced their plans for the year 2018. One big part of their plan is to expand into media content while consolidating their product technology capacity. This includes diverse high quality and star-studded television programs, and reality shows to appeal more to the youth. Tencent also plans on producing more content-driven documentaries and investing in production such as BBC’s Blue Planet II. Aside from these, the giant tech brand also plans on expanding into children’s programs, comics, and animation, fashion and live music streaming.
An example of this initiative is Tencent’s recent partnership with Lego. The partnership would create licensed videos, games, and other content for Chinese children. The partnership also includes showing Lego videos on Tencent’s platform and co-developing the Chinese version of Lego Life, a social networking platform. The unveiling of the first releases from the partnership might take place later this year.
In the same conference, Tencent introduced six marketing cooperation scenarios associated with Tencent IP content. Two of these scenarios are based on the large paying members of Tencent video. Tencent also presented how video ads can help advertisers to identify user profiles and consumption habits, finding target customers and sending relevant content to target customers thus optimizing marketing resource allocation.
With countless of releases and innovations Apple made last year, how will Apple continue its lineup this 2018?
This 2018, Apple is rumored to unveil three iPhones. The first phone is said to be a follow-up to the iPhone X with the same 5.8-inch OLED display, design, and functions, but hopefully with a better battery. This is rumored to be accompanied by a 6.5-inch iPhone, which is something like an “iPhone X Plus.” Apple will also allegedly introduce a more affordable phone with a 6.1-inch iPhone with an LCD display, possibly called the iPhone 9. Prices might start at around $700. Lastly, plans for a new version of an iPhone SE might include a new design and color options and a new processor.
Overall, Apple is planning to further improve its functions and address issues encountered with previous models. For one, Apple is set to improve the back camera for its 2018 lineup. The phone brand also hopes to lower price ranges making it more affordable to midrange and low-end markets. Consumers can only know for sure until official announcements from Apple are released. Possible unveiling of the new iPhones may be some time around September 2018.
After the successful launch of the iPad Pro, and 9.7-inch iPad in 2017, Apple will keep the ball rolling with more iPad releases this year. A new series of iPads are being prepared that might adopt designs and functions from the iPhone X such as slimmer bezels, face ID, and the absence of a home button. This new line of iPads will include a faster processor, but will still have an LED display due to budget and technical constraints. Apple might also develop an Apple Pencil but reports of new features are still undisclosed. This 2018, we might also be expecting low-cost iPads with a rumored price of $259 for the 9.7-inch 32GB model. The release of new versions of the iPad might be around March and/or September 2018.
Due to the complaints received last 2016 with the MacBook Pro with TouchBar, Apple is expected to unveil a new user upgradeable Mac Pro with a USB-C Thunderbolt display. We might also see MacBook and MacBook Pro introduce 8th generation Kaby Lake Refresh chips, and possibly faster RAM and SSDs. As for the iMac, we might see an updated 21.5 and 27-inch machine with 8th-generation Coffee Lake chips from Intel. This upgrade is said to be 32% faster than its predecessors.
Plans for major features and additions for the iOS 12 were unfortunately delayed until 2019 due to bug risks. An example of a supposed update was a redesigned home screen for iPhone, iPad, and CarPlay. Instead of these, iOS12 will focus more on security and performance addressing issues from previous updates. The unveiling of the iOS12 might take place on June during the Worldwide Developer Conference.
Apple might release a possible 4th generation Apple Watch along with a redesign. Rumors say the new Apple Watch might use micro-LED displays which allows a thinner and lighter display. The addition of sensors is also possible.
This year, we might finally see the AirPower, a wireless inductive charging mat designed to charge a handful of select Apple devices at the same time. AirPower will work with the iPhone X, iPhone 8 or iPhone 8 Plus, the AirPods, and the Apple Watch Series 3. However, there are no official announcements on the exact release date and price.
Airpods will also have their first update since its release in late 2016. Improvements are rumored to have better microphones and battery life, improved sound quality, wireless charging using the AirPower.
Samsung announced it’s targeting to sell 320 million smartphones this year according to a report from GizmoChina. This target is higher than their competitors Apple and Huawei with 200 million and 150 million phones sold per year, respectively. What does Samsung have in store for 2018 to be able to target such a big goal?
Samsung is also set to launch their new line of S series, the Samsung Galaxy S9, coupled with a Samsung Galaxy 9 Plus. The new series officially revealed last February 25 just a month after the release of the Galaxy A8 series. The S9’s features offers the same display design and size as Galaxy S8, and a glass coating that repels water off the screen. It also showcases an upgraded 10nm innards, a tough chassis, a new camera with varying aperture, and the ability to capture in super slow motion with 960fps. Consumer release date has already launched this March 16.
Before the S series, Samsung already began 2018 by releasing the Galaxy A8 and Galaxy A8 Plus. The new phone release reinvents the capacity and durability of mid-range phones. The two smartphone models feature design and battery life from the Galaxy S8 and S8 Plus, brand new chipsets (including a 6GB RAM for Galaxy A8 Plus), and dual front cameras giving an edge to the new Galaxy A series. However, despite being a mid-range phone, prices for the A8 and A8 Plus are a bit higher than its counterparts.
Last September 2017, news surfaced of Samsung’s plan to release a foldable smartphone this 2018. This somewhat radical idea has been going around since Samsung showcased a flexible display in 2013. Although Samsung is aiming to release the foldable smartphone this year, they are still solving several issues. As of date, no news of its official launch has been announced, so we’ll just have to wait and see.
Update: Samsung has recently confirmed that a Galaxy Note 9 is set to be released this year. Speculations say that this might be a "radical" smartphone due to its design. The display might feature a fingerprint scanner that was supposedly integrated with the S8 and S9 but ran out of time.
This 2018 Samsung will continue to use and improve QLED for their TV displays. QLED allows for a wide range of brightness and saturation, but Samsung ran into its limitations last year in terms of black levels. Couple these limitations with QLED’s price tag and OLED’s popularity last year and it was a clear win for OLED. Samsung is now determined to turn the tables by improving its black levels and improving viewing angles, among other spec upgrades.
But wait, there’s more. By the end of 2018, or possibly early 2019, Samsung plans to commercially bring Micro LED to the market, another first. Micro LED came from Samsung’s LED Cinema technology. This tech uses “modular LED panels pieced together to create a gigantic picture.” Downsize the big cinema screen to a 146-inch 4K TV and you have a display offering diverse picture quality and contrast.
To accompany the large quality displays Samsung will put out this year, Samsung has recently revealed their new premium lifestyle soundbars. The NW700 Sound+ soundbar exceeds previous models and uses sound-enhancing features, such as wide range tweeters, distortion-cancelling, and multi-speaker control. The sleek and slim design makes the soundbars wall-mountable and visually appealing with Samsung’s TV line. Meanwhile, the N650 offers a panoramic sound experience using the Samsung Acoustic Beam. The speakers give an immersive experience with optimized sounds well-suited for gamers and movie enthusiasts.
Samsung might also introduce a smart speaker in the first half of 2018. Entering an already competitive market, Samsung will focus on audio quality and managing connection among smart home appliances such as lights and locks. It will run on Samsung’s virtual assistant, Bixby, and synchronize with a range of Samsung devices such as the Galaxy smartphones and smart TVs. As of now, no official announcement of its launch has been made.
Know more about the latest tech trends this 2018 and be on top of your game.
Thinking of expanding your tech business this 2018? Let us help you. Learn how Cloud Employee works, see our Developer Pricing Guide, or talk to us. You can hire dedicated offshore developers with us across many technologies.


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On this date in 1946, Lew Fick set a professional baseball record when he collected nine straight hits in a single game. The outfielder for the Little Rock Travelers saw his streak finally end when grounded out in the 19th inning of the team’s opener against Memphis. Fick went on to get three more hits in the nightcap, finishing the doubleheader 12 for 13.
Our Scripture lesson from Genesis speaks of God’s finishing touches on creation. God had created the universe and everything in it. As the story is told, in the preceding five days, God created the world, the sun moon and stars, as well as the land, the seas, and all plants and animals. On the sixth day, God created the jewel of His creation: humankind. God entrusted the care of all creation to the people He had made. When God saw what He had done and all He had made, it was very good.
What does it mean to you that when God created humankind, it was judged “very good”?
God had a pretty good series of days creating the world and everything in it. We can have some pretty good days by serving and living for the Creator.
Glad you are joining us!! What poufrewl words you wrote. You picked a great verse. One of my favorites and one I have had my children memorize.Oh how wonderful it is to delight in the Lord!

industry_corpus2: Sports


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From Goodreads ~ In the lockdown ward of a psychiatric hospital, Dr. Nadine Lavoie is in her element. She has the tools to help people and she has the desire - healing broken families is what she lives for. But Nadine doesn’t want to look too closely at her own past because there are whole chunks of her life that are black holes. It takes all her willpower to tamp down her recurrent claustrophobia, and her daughter, Lisa, is a runaway who has been on the streets for seven years.
When a distraught woman, Heather Simeon, is brought into the Psychiatric Intensive Care Unit after a suicide attempt, Nadine gently coaxes her story out of her - and learns of some troubling parallels with her own life. Digging deeper, Nadine is forced to confront her traumatic childhood and the damage that began when she and her brother were brought by their mother to a remote commune on Vancouver Island. What happened to Nadine? Why was their family destroyed? And why does the name Aaron Quinn, the group’s leader, bring complex feelings of terror to Nadine even today?
And then, the unthinkable happens, and Nadine realizes that danger is closer to home than she ever imagined. She has no choice but to face what terrifies her the most … and fight back.
Sometimes you can leave the past, but you can never escape.
When Nadine was younger, her mother took her and her brother to live in a commune run by Aaron Quinn for eight months. It wasn't a happy time for Nadine. She is now claustrophobic and assumes something at the commune had caused it. Now in her fifties and widowed, she works in a psychiatric hospital helping others.
When a patient named Heather is admitted after a suicide attempt, Nadine discovers that they have a lot in common. Heather and her husband had been living in a commune run by Quinn. When they left, Quinn had said that they would be punished and bad things would happen to them. In her unstable mind, Heather starts to believe this to be true.
Talking with Heather starts to stir up long forgotten memories for Nadine and she becomes determined to find out what happened to her at the commune and hopefully shut it down so others won't be damaged as she was.
In the meantime, Nadine's daughter, Lisa, who is in her twenties, ran away seven years ago and has been become an addict. Nadine has over the years tried to find her and bring her home to get cleaned up.
I thought this book was okay. Reading about the commune and the charismatic leader's ability to have such control over people was interesting. In this case, it came down to hope for a better life and weed. I thought the writing was okay ... I found it dragged a bit in some places. It's written in first person perspective from Nadine's point of view. As a head's up, there is swearing and descriptions of sexual abuse of children.
It was nice to read about a character my age for a change (most heroines are in their twenties and thirties). Nadine was trying to deal with a bunch of crap from her childhood and how it affects her today. Though I know Lisa had addiction problems, I didn't find her likable at all and had no sympathy for her. If I'd been Nadine, I would have written her off a long time ago. You can't help people if they won't help themselves ... and Lisa was so nasty.


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Search engine optimization or SEO is important to get Internet traffic to a website. If operating a website for profit, using pay per click ads is even more important.
When operating a website for profit, using proper keyword search engine optimization (SEO) is important to get Internet traffic to the website. No traffic translates into no profits. There are certain methods of keyword SEO that are built-in or embedded into the web pages that can help get Internet traffic to the website, but there are no guarantees. Pay per click advertising, if done properly, is a better method to get top page ranking on an Internet search.
Writing content for the web, whether it’s an article, blog or website page should be written in a manner that attracts Internet users. That’s where SEO comes in. It’s a style of writing that optimizes certain words or phrases that people are searching for. These words and phrases are known as keywords.
Keywords are the actual words that Internet users type into a search engine to find what they’re looking for on the Internet. Most people that search on the Internet know that using more words will narrow their search. For example, if someone is searching for homebrew beer kits, they normally wouldn’t type in the word “beer.” By searching for the keywords “homebrew beer kits” their search is narrowed to the exact product they’re looking for. Niche markets are much better for keyword SEO than a broader market.
Search engine companies computers (a.k.a. spiders) search the Internet for keywords that are embedded in web pages. Each page of a website is treated as a separate website by the spiders. So specific web pages may show up on a search other than the home page (a.k.a. index), depending on the keyword usage on a specific web page. In order to get better SEO page rankings, you can use the services from a specialized marketing agency, so that the spiders give priority to specific keyword placement.
Bold-faced keywords separated from the main text like titles, subtitles, and headings.
Keywords placed in the first few words of the text main body.
Keywords placed in the URL name of the web page and website.
Keywords placed within the caption of a photo or image.
Natural searches are the searches that the spiders pick up and list for free. Sponsored searches are searches that are listed and the advertisers are charged a fee every time an Internet user clicks on the ad, or pay per click. The Internet search engine companies call them cost-per-click or CPC. The sponsored ads are generally listed on the top, on the side and on the bottom of the search page. They will also be listed with the word “sponsored links”.
It’s important that a business website use both SEO for natural searches and CPC sponsored searches to get Internet traffic. Learn how to use sponsored searches to get Internet traffic. With natural searches, the webmaster has little control over how the website will be placed or how it will appear on search engines. With sponsored searches, the webmaster has complete control on how the ad will be placed and how it will appear on a search engine.
Personal information doesn’t simply fall into the hands of criminals by chance. Knowing how information is attained is the first step towards online fraud prevention.
Online fraud is still growing at an alarming rate and that doesn’t even take into account the large volume that is never spotted or reported. The number of online fraud increase of every year without fail.
Whilst there are no guarantees in terms of preventing online fraud there are a number of sensible steps that can be taken to prevent it from happening in the first place. A lot of information is gained as a result of pure ignorance and slack procedures. Here are tips that will help you keep financial Information away from fraudsters.
If a site is secure it will show https rather than http in the address bar. There will also be a yellow padlock in the corner of the browser. Unless both of these are displayed it isn’t a secure web site and personal information is at risk.
If a network isn’t password encrypted anyone can access personal information. It is like having a cash point card with no pin number – there is no fraud prevention at all. A simple password prevents someone sitting outside with a laptop from accessing information.
It is imperative that online bank statements are checked for transactions that haven’t been authorised. Query anything that isn’t recognised with the bank as only 6 months is given to chargeback to the merchant.
Most people will have received an email from a source claiming to be their bank. The problem isn’t clicking on the link, it is following the advice in the phishing email through to a logical conclusion. This isn’t an official bank email asking for the provision of security information, it is that of an online fraudster.
Look at the web address directed to and it can be seen that it isn’t a proper bank web address, it is usually a free domain with the bank’s name at the end. Sure, the web page looks alright, but the actual web address gives it away.
No financial institution will ever ask a customer to click on a link to their site from an email so don’t ever do it. Just log on at the official web site address. If there is any doubt, telephone the bank’s fraud department and ask them.
Visiting either of the respective sites allows a customer to add additional security information to their cards. Before anyone can use either card online they will now need to answer security questions and not just the CV2 code before making a purchase.
Don’t allow fraud prevention to turn into a form of paranoia. Following the guidance above will help prevent all but the most bizarre cases. If an incident does occur, be sure to report it to the bank quickly in order to chargeback and recover any fraudulently appropriated funds.
Computer network protection can be a challenge for a company. What is the best way to implement a secure solution to protect sensitive data from attack?
Computer network security should be a concern for large small organizations alike and areas of risk need to be identified.
Business establishments that aren’t protected by a robust network security system are at the mercy of hackers who can easily get their hands on trade secrets and sensitive information and inflict malicious damage.
Any company that has computers and Internet access is at risk from attack from both within the organization and from outside. It is interesting to note that highest risk of a security breach comes from within an organization. Computer hacking from outside amounts to only about 8% of the security risk to a company.
There are a number of measures that should be taken by all companies to protect their computer networks from any form of attack.
Invest in a good anti-virus solution and regularly update the anti-virus definitions.
Apply the latest security updates on all computers. These can usually be obtained from the Internet.
Secure possible network security vulnerabilities by installing a good firewall.
Physically secure mission critical servers in a server room, limiting access to only certain personnel.
Keep as much data as possible on a secure server as opposed to storing data locally on each PC.
Laptops are particularly vulnerable to theft, including the data stored on them.
Implement a strict password policy.
Network Security Solution to Protect From an Outside Attack.
A firewall is a vital part of a good network security solution. An organization may wish to allow limited access from outside. For example, access to the company’s mail server or web server to be allowed, while blocking access to the LAN (Local Area Network) and sensitive data.
A firewall will block connections to the LAN while allowing certain traffic trough to a DMZ (Demilitarized Zone) where the company’s public servers are hosted. In this way, if a hacker were to hack into the web server, the sensitive data hosted on the LAN would be safe.
In addition, a firewall will allow the blocking of certain non essential ports. For example, the Proxy server port should never be left open to allow access to the proxy server from the outside – the reason being that spammers could use the proxy server to send out their spam, thus making it appear as though the spam is coming from within the company.
There are many organizations on the Internet that specialize in “black listing” spammers. That means no out bound e-mail. If a company is black listed because the proxy port was open, it could take days to de-list the company from the “black list”, resulting in lost revenue.
Always make sure that data is well protected against viruses. This can be done by implementing a dedicated anti virus server to protect all work stations from virus attack.
In addition, the mail server will also need to filter spam and viruses before it reaches the end user. Reports and alerts from these servers will allow the network administrator to monitor and keep on top of any potential threat.
Monitoring website performance can mean the difference between website success and failure. Maintaining maximum efficiency of your business IT infrastructure is essential to productivity. That fact is easy to understand, but keeping up with all the daily data exchange, creation and problem solving is difficult. By using managed monitoring services, you get a high tech solution for tracking website performance, website downtime, network threats, and protecting your computers and system from unwanted alterations.
Monitoring tools powered by advanced technology allow you to maintain complete control over your computers, network connections, IT infrastructure and website performance. The information collected by your managed monitoring service is important data, but it does not include personal information or sensitive business data. It is fast, thus saving you both time and money in the task of tracking IT systems and processes.
-Server monitoring helps to eliminate server errors and the reduced productivity that results from threats, downtime and other events that interfere with hardware. Remote monitoring from your managed monitoring service company offices allows for immediately analysis of any problems that develop on site.
-Network monitoring allows around the clock supervision of your network status to locate problems. It also lets you keep watch on all activities at your business servers, computers and remote computers.
-Website monitoring helps you gain statistical information, generate reports and have measurable assessments of website performance, including downtime.
Secure services are essential and they protect data and privacy. Alerts should be continuously collected from your systems and your managed monitoring service should notify you immediately if there is downtime. You benefit from top anti-virus protection methods, alerts and reports. Use provided monitoring tools to troubleshoot to identify problems that may affect performance of employees. It is a partner to you in proving to authorities what IT assets you actually do have and what their value is today.
Security and protection computer use and data collection is extremely important for any company that keeps data records. Any breach of security by employees or hackers can be caught quickly by the alert systems that managed monitoring provides. Reports of monitored activity must get into the hands of those persons authorized and required to obtain activity reports. Using managed monitoring services is one area where all size companies can utilize cloud computing to assist with important daily security issues.
Many cloud computing companies offer managed monitoring services. Compare services and pricing online before purchasing services, and check references to assure that you work with a reputable company.
Having a solid security infrastructure for your business is a must. Find out what the benefits of having an Anti-Spyware program on your computers are.
The internet is a world of its own and as it is in the physical, there are spy agents on the internet. People spy on others for many reasons which include business, social, economic, security and malice. Although most information on the internet is easily accessible, there are those who have made it their business to develop programs that goes beyond what have been given out and want to extract important data for use against you and your business. These programs are called spyware. They spy on your private content and leak it out to another without your knowledge or concern.
Spyware programs can download onto a computer disguised as a helpful addition or can often times attach to other programs that you may want to download such as: movies, programs or data. Investing in a good anti spyware program has numerous benefits. Here are a few major ones.
Maintain privacy –the fact that you are connected to the internet should not spell the end of your privacy. Anti spyware will ensure that no spyware creeps into your computer to peep into what you are doing. When your private data is taken, it loses meaning and becomes material that can be used against you or your business.
Security– most spyware programs intrude into your personal issues like passwords and other details. With the expanding use of the internet in business and even the coming of online payments, the internet will be carrying all that data and if a malicious person happens to get your bank passwords, it might be hard to quaintly the damage that may be incurred. In the wake of terrorism, spies may track down your movement through your online activity and harm you just because your computer was exposed.
Business success- every successful business has its secrets. These are kept private to the core people and would hardly be leaked to a competitor. Spyware experts are able to creep into your secure data files in your computer and tear down your business in a short while. With anti spyware, you will be able to prevent the entry of such programs and consequently secure your secrets and your business. It can be so sidelining to spend many years and a lot of money in creating a business model only to lose it because of unscrupulous people and their malicious programs.
Spyware is illegal intrusion. Privacy is a right guaranteed by the constitution and all must fight to maintain it. It doesn’t matter who is spying, whether government, terrorists or competitors, all spying is not moral and should be discouraged. The best way to discourage it is to install anti spyware.
Although spyware have widely permeated the internet, developers should also keep working on effective anti-spyware so as to keep pace and overtake the spies programs. When you have an anti-spyware installed in your computer, you don’t worry so much about what you keep there because you have an assurance of its safety. You will not also bother so much about where to keep your secrets.


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A matter of money won't let you sleep very well at night and will probably make you rise up early. But this doesn't necessarily mean that we are talking about bills or money you lost.
It may be that you are concerned with a further purchase and still have some doubts. Perhaps you should take your time a little longer before you make the final decision.


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Welcome to our first in an ongoing series where we track celebrity homes in LA and show how much bigger they can be built using UnderBuilt. Amazingly, even $15 million mega-mansions sitting atop Beverly Hills have room for improvement. To see how several A-list homes can maximize their potential, let’s pull up some reports.
Anyone in tune with LA real estate is probably well aware Angelina Jolie bought the one-time mansion of Cecil B. DeMille located in Los Feliz’s star-studded Laughlin Park for an impressive $24.5 million. The home boasts six bedrooms, 10 bathrooms, sits on 2.1 acres, and is estimated at 11,000 square feet, divided between a 7,500-square-foot main house, pool house, and adjacent guesthouse/studio.
As you can see, Jolie’s new home is a whopping 80 percent underbuilt. Per the design bonuses and construction allowances set by the city of Los Angeles’ zoning ordinances, the current main residence can add an additional 23,215 square feet of residential floor area. But with an entirely new construction she has the potential to build even bigger to a total of 36,825 square feet.
Maybe Jolie likes having a big yard and wouldn’t want to eat into that by expanding the house, but there’s plenty of room for growth if she chooses.
The $30 million former home of actor Mark Wahlberg is a seven bedroom, 10 bathroom fitness lover’s paradise. It sits on two acres and houses a 12-foot waterfall, stone grotto spa, two-story guesthouse, and an airplane hangar equipped with a massive gym and boxing ring. This Beverly Hills modern Mediterranean has it all—including more room to build.
According to the report above for Marky Mark’s former pad, the property is currently 63 percent underbuilt and with a new construction can increase the max residential floor area to as much as 24,028 square feet.
Just goes to show that even the burliest of homes can use a little pumping up.
Few homes in LA are more famous than those housed in Jack Nicholson’s Mulholland Drive 2.92-acre compound. Of the several buildings, the biggest is his 3,000-square-foot personal residence sitting on 0.5 acres of the property.
Let’s dive in and see if Nicholson has gotten the most bang for his buck.
Of our three celebrity homes, Nicholson’s is doing the best job of maximizing square footage, but there’s more that can be done! UnderBuilt shows the main residence is 48 percent underbuilt, and in undergoing an entirely new construction can obtain a max build of 6,341 square feet by taking full advantage of the design bonuses for the area.
There you have it! Three great (and famous) examples of how UnderBuilt can find the full potential of a home and build it bigger. Are you curious how all these results would apply to other places? Throw in an address or APN into our search bar at the top of this page and see how much larger a home can be.

industry_corpus2: Real Estate & Construction


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The Board of Directors of the YMCA of Eau Claire announced the selection of Theresa Hillis as the new CEO. Hillis will officially begin her role on March 1, 2018, replacing Ken Van Es, who is retiring after nearly 16 years at the end of March. Hillis has 29 years in the Y USA system. She has been the CEO of the Kandiyohi County Area Family YMCA in Willmar, MN since 2006. During her tenure she also served as interim CEO for the Alexandria YMCA and Brainard YMCA where she built relationships with volunteers and staff and improved operational efficiency. Hillis is also a veteran of the US Air Force and served as a medic in the Gulf War.
Danielle Hoffman, a registered nurse in HSHS Sacred Heart Hospital’s rehabilitation services department, recently earned her certification in rehabilitation nursing (CCRN). Attaining CRRN certification validates a person’s professional standing as an experienced rehabilitation nurse with a documented level of knowledge in this specialized area of practice. Rehabilitation nursing practice includes care management and treatment of conditions such as stroke, traumatic brain injury, aging issues, MS, diabetes, co-morbidities, cardiovascular illness, arthritis, and spinal cord injury.
Area business and industry will be able to obtain a higher level of training on Occupational Health and Safety Administration (OSHA) compliance issues because of new agreement that names Chippewa Valley Technical College as a host site for the National Safety Education Center (NSEC). CVTC will now offer NSEC-recognized OSHA training services through its OSHA Institute Training Center. The agreement is a partnership with the Northern Illinois University College of Engineering and Engineering Technology, which is the location of the NSEC offices.


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There comes a point when you get fed up of eating out every day and end up looking for a good home-cooked food. Food that is filled with required nutrients and super qualities that give you energy, amp up your stamina and provide you with healing properties. These super foods were precisely the topic of discussion at the Imperial Culinary Club when it hosted a live cooking session to celebrate Women's Day with Chef Parul Pratap and Tea Sommelier Anamika Singh- Founder of Anandini Himalaya Tea.
Chef Parul Pratap demonstrated her expertise to the club with a live culinary session on super food that included an extremely tasty pumpkin risotto that was light and not laden with cheese along with oats apple crumble, also very light and tasty. All the while giving her tips to make it healthy while cooking. The cooking session turned out to be the most interesting especially since it was paired with tea and Anamika Singh made sure that tea was not something you had hurriedly.
She absolutely complemented the cooking session and the choice of food with her personal tea blends like Humming Homewards and Blue Tokai coffee that was an awesome blend of coffee and tea, smooth, light and fragrant. Born into a family of tea drinkers and tea makers Anamika insisted that everyone read the instructions and ingredients on the tea boxes before buying one. "The biggest mistake we make is that we never read the instructions or the ingredients before buying that pack of tea. Are you buying green tea with jasmine that has real jasmine flowers in it or is it just a flavour?" she did make a point!
Many of us do tend to forget that our kitchen is filled with super food like turmeric, basil leaf, cumin, pomagranete, guavas, walnuts and coriander leaves etc. All we need to do is dip into the vast healing properties that these fruits, nuts and vegetables store. They are the super foods that we always have in store. The live cooking session celebrating the Women's Day at the Daniel's Tavern at the Imperial was a reminder that we need our super foods for our well-being as we go through the many personal and professional challenges, health must get utmost importance.
As Vijay Wanchoo, Senior Executive Vice President & General Manager, the Imperial, New Delhi rightly commented “We men are grateful to our women for the difference they make in our lives. Their inspirational journeys to the top of the ladder, through the lens of gender equality is a true awakening. It’s now time to be aware what is important for their well being as they surmount personal and professional challenges along their journeys.
Tea in a wine glass? why not?


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A brief explanation on "Terms of Sale" for goods and services. Terms of sale define the obligations, risks, and costs of both the buyer and seller involving the delivery of goods that make up the export transaction. This information is part of the U.S. Commercial Service's "A Basic Guide to Exporting".
In any sales agreement, it is important to have a common understanding of the delivery terms because confusion over their meaning may result in a lost sale or a loss on a sale. Terms of sale define the obligations, risks, and costs of both the buyer and seller involving the delivery of goods that make up the export transaction. The terms in international business transactions often sound similar to those used in domestic business, but they frequently have very different meanings. For this reason, the exporter must know and understand the terms before preparing a quotation or a pro forma invoice.
The most commonly applied terms of sale in the global marketplace are the international commercial terms, or Incoterms. A complete list of these important terms and their definitions is provided in Incoterms 2010, a booklet issued by the International Chamber of Commerce (ICC). To purchase the booklet, visit store.internationaltradebooks.org.


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When he was just 30 years old, Christina’s brother-in-law Greg came to the emergency room at Swedish Covenant Hospital with symptoms of a stroke. As a Primary Stroke Center with a telemedicine stroke partnership, the emergency team was ready when things took a turn for the worst. Due to their rapid response time and lifesaving technology, Greg not only cheated death, but now lives a healthy life free from side effects.
Ten years earlier, while attending university, Greg first noticed that something was wrong with his cardiovascular health. At times, his heart would flutter, race or skipped a beat. Worrying they might be symptoms of arrhythmia, he sought the advice of a local doctor.
It didn’t, but aside from occasional bouts of an irregular heartbeat, he tried his best not to think about it. Shortly after turning 30, that all changed.
When he arrived, he was assessed by a triage nurse, who determined his symptoms were likely due to a stroke. Being a Primary Stroke Center, the emergency team knew time was of the essence. They immediately began treating him with clot-buster tissue plasminogen activator (tPA), the only drug approved by the FDA to treat ischemic stroke. If given intravenously in the first three hours after the start of stroke symptoms, tPA can significantly reduce the effects of stroke and lessen the chance of permanent disability.
The medicine helped temporarily, but soon after his condition began to rapidly grow worse. Knowing that he might need interventional surgery, they quickly consulted neurologists at a Comprehensive Stroke Center using the Emergency Department’s telemedicine robot. The specialists at both institutions were in agreement, he needed to be transported to specialized surgery. Fast.
The treatment was successful, but it was still unclear whether he would suffer from side effects. They began to prepare for the worst.
He stayed as an inpatient for only a couple nights. Following his discharge, he completed a short term leave from work for a few weeks, during which time he met regularly with his primary care physician and learned how to best take care of himself following this event. Over the next six months, Greg had two follow-up procedures consisting of cardioversion and cryoablation to correct and normalize his heart rhythm and prevent any further issues. Over a year later, he remains happy and healthy and side effect free.
Swedish Covenant Hospital continues to make use of a telemedicine robot in the ER which allows its medical staff to partner with neurologists at Northwestern Memorial Hospital to better treat stroke patients.
Click here to learn more about cardiovascular or pulmonary services at Swedish Covenant Hospital.
To learn more about Swedish Covenant Hospital’s award-winning stroke care, visit our newsroom.
From emergency care to inpatient and outpatient rehabilitation, our comprehensive stroke program is here for you every step of the way.


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(372 x 530 mm) 18.5 x 24 in.
THANGKA 23.8 x 16.9 in.
(603 x 428 mm) 23.8 x 16.9 in.
NOTE: A similar unbrocaded thangka of this composition, painted by the artist Dorje Tamang is now available for sale, Priced at GBP £1060.00.
Vajravarahi (Tib. Dorje Phagmo), meaning the 'Indestructible (vajra) Sow (varahi)', is a principal aspect of Vajrayogini, whose practice - both as a major yidam deity in her own right, and as the consort of Chakrasamvara - is of particular significance in the Tibetan Kagyu traditions. In this two-faced form she is also known as Indra's Dakini, whose lineage of transmission descends from Vajradhara to the early Indian king and mahasiddha, Indrabhuti, then later to Tilopa, Naropa, Marpa, Milarepa and the first Karmapa, Dusum Khyenpa. This thangka shows Vajravarahi at the centre of her five-deity mandala, with her retinue of four directional 'heart-dakinis' surrounding her.
Vajravarahi is youthful, passionate, semi-wrathful and red in colour, with three piercing eyes. She stands in dancing bow-and-arrow posture, with her right foot drawn-up and her left foot pressing upon a golden sun and a corpse, which rest upon her white moon disc, multicoloured lotus, and the vajra-rock foundation beneath her. Her beautiful naked body is adorned with the five bone ornaments, a long billowing silk scarf, a garland of fifty freshly severed heads, and a garland of red karavira flowers. She frowns as she bares her sharp teeth and fangs, her tawny hair streams upward like fire, and she wears golden earrings and a five-skull crown.
Vajravarahi's black sow's head appears above her crown, with its fierce squealing face and sharp tusks representing her triumph over ignorance. Her two faces symbolize the union of relative truth (human face), and absolute truth (sow's face). With her raised right hand she holds a vajra-handled curved knife, which she circles towards the ten directions to overcome all maras or demonic obstructions. And with her left hand she holds a skull-cup full of blood in front of her heart, which represents the generation of great bliss. A tantric-staff or khatvanga rests within the crook of her left arm, which essentially symbolizes her inseparable union with her consort, Chakrasamvara. The khatvanga has an eight-sided white shaft with a half-vajra at its lower end; and a crossed-vajra, a nectar vase, a decaying green head, a fresh pink head, a dry white skull, and another half-vajra that crowns its top. A billowing white silk ribbon is tied around the neck of the golden vase; while from a separate golden thread hang the emblems of a small damaru, bell, sun, crescent moon, and a white yak-tail pendant. Light rays emanate from the inner-heat of Vajravarahi's blissful body, and she abides within a blazing aura of wisdom fire.
The four heart-dakinis of Vajravarahi's five-deity mandala are all identical to her in form and appearance, except that they each have a specific colour and stand upon the throne of a corpse, a golden sun disc, and a pink lotus. In the east (lower left) is blue Dakini; in the north (lower right) is green Lama; in the west (upper right) is red Khandaroha, and in the south (upper left) is yellow Rupini. Within the cloud-borne orb of rainbow light above Vajravarahi appears the white sambhogakaya form of Vairocana Buddha, who sits upon a moon disc and lotus with his two hands making the dharmachakra-mudra, or gesture of teaching. In the foreground landscape is a row of stacked jewels, with the eight auspicious substances appearing behind them. And to the left and right of these jewel offerings are skull-cups that contain swirling blue nectar (alcohol), and fresh blood.


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Since 1967, the Senior School of Saint Ignatius’ College has nestled at the base of Black Hill in Athelstone. The Senior School is the College home to both the Middle Years (Years Seven to Nine) and the Senior Years (Years 10 to 12).
All students are encouraged to strive for excellence in all they do and in doing so, to develop their God-given gifts and talents to the full. The College, in the spirit of the Jesuit tradition, strives to educate the whole person, and so our students are encouraged to be critical thinkers with a love of learning throughout their lives. This approach promotes student involvment in a wide range of activities, both in and out of the classroom, and to prepare themselves for whatever their career beyond school may be. Our curriculum, pastoral and co-curricular programs seek to form young men and women of competence, conscience and compassion who make a difference in our world.


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Review of coffeeassets - Scam or Legit ?
Review Of CoffeeAssets – Scam or Legit ?
UPGRADE CAPPUCCINO ASSETS FOR THE FIRST 8000 MEMBERS!!!
Start today in a diferent site, fresh, serius and profitable. We have the pleasure of give you the most rently oportunity to invest for networkers. Coffee is the second primary product most sold in the world after the petroleum, and is of course, the drink of the entrepreneurs, yes! it is.

industry_corpus2: Petrochemicals