Fitch: Higher Education Funding's Request for Rating Agency Confirmation

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Highway to the cuddle zone: Harry the baby pygmy hippo

(Cango Wildlife Ranch)

Meet Harry the hippo, a baby pygmy so small the average person could carry him around with ease.

Harry, named after Britain's Prince Harry, was born last week at the Cango Wildlife Ranch in South Africa, the Star reports. His handlers are being forced to hand-rear Harry after his mother Hilda refused to feed him. Keeping Harry healthy is a priority, as there are only an estimated 3,000 pygmy hippos left in the wild.

"Pygmy hippo mothers are either great moms or silly moms. She unfortunately has lost a few of her babies after she squashed them," Rob Hall, operations director at the ranch, told the Star.

Harry's handlers are certainly earning their pay, feeding him a mixture of milk and water every three hours, then bathing him after each feeding. "You need to keep his skin moist," Hall said.

Their numbers have been in decline due to deforestation and hunting. Unlike other hippos, the pygmies are not social animals, only seen together in the wild when they are mating.

Some of the photos of Harry that have been released to the public show Harry licking the face of one of his handlers. "These animals are such great characters, and we can see this with Harry," Hall said.

Check out more photos of Harry.

(Cango Wildlife Ranch)

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Measuring Readability ? Readability Monitor

By Nirmaldasan

? This article appeared in the July-September 2011 issue of Vidura, a quarterly journal of the Press Institute of India: http://pressinstitute.in/archvd2011/jul-sep-vidura-11.pdf ?

Linguistic skill is a necessary condition for the creation of readable texts. Helen Keller?s The Story Of My Life, Mark Twain?s The Adventures Of Huckleberry Finn and Sir Arthur Conan Doyle?s Tales Of Unease are but three examples that display felicity of language. Like these literary classics, there are a number of non-literary and yet very readable texts such as magazine features, news reports and product manuals.

However, a well-written text may not be readable for all people. William DuBay?s definition of readability as ?the ease of reading created by a literary style that fits the reading level of the audience? underscores the need for matching text with the appropriate audience. A scoring system of 1 to 17+ consisting of the years of schooling is perhaps the most effective, though not perfect, way of grading texts. Suppose we walk into a Standard VII classroom and administer a reading test, the results may show that not all students read at level 7. Some students may be below average with a reading level of 5 or even lower; and some may be above average with a reading level of 9 or even higher.

Research has shown that the average reader in theU.S.and theU.K.has eight years of schooling. Since newspapers and magazines are usually meant for a general audience, it is ideal if the reports and features are tailored for readers with eight years of schooling. As this may not be possible given the type of serious content, writers should at least aim for a score of 10 or less.

Though there are a number of factors that make a story readable, most readability formulae depend on two variables: vocabulary and sentence length. Robert Gunning?s Fog Index may be calculated in a few easy steps:

1. Average words per sentence (AWS)
2. Percentage of polysyllables (P), excluding capitalized words, easy compound words and disyllabic verbs made trisyllabic by adding ?-es? or ?-ed?.
3. FI = 0.4 x (AWS + P)

Here is an example from Gunning: ?Typing errors are easy to make in transposing code numbers of appropriations. We suggest each Division Planning Office set up a file of yellow tickets showing all authorized unit and item numbers. Then each can make a daily check of construction charges before sending time distribution sheets to the Accounting Department.? Three sentences, 51 words and 5 polysyllables. Therefore, AWS = 51/3 = 17; P = (5/51) x 100 = 9.8; and Fog Index = 0.4 x (17 + 9.8) = 10 years of schooling.

One must remember that a formula is a shortcut to assess the readability of a text. It should be applied on only well-written texts. If the text is poorly crafted, it must be revised or rewritten according to the time-tested principles of effective writing. Then the text may be tested with the Fog Index.

Here are some tips for clear writing:

1. Keep the sentence length under 30 syllables
2. Prefer the active voice
3. Use a conversational style
4. Limit the number of clauses
5. Avoid sentence fragments
6. Use words that are in everyday use
7. Omit needless words
8. Write with nouns and verbs
9. Use adjectives of kind, not of degree
10. Avoid too many negatives

?Suggested Reading

Plain Language In Plain English: Ed. Cheryl Stephens, Plain Language Wizardry,?Vancouver, 2010.

Oxford Guide To Plain English: Martin Cutts,OxfordUniversity Press, New York,?3^rd edition, 2009.

The Gettysburg Approach To Writing & Speaking Like a Professional: Philip A. Yaffe,?INDI Publishing Group,Phoenix(Arizona), 2009.

Smart Language (Readers, Readability, and the Grading of Text): William DuBay,?Impact Information, Costa Mesa (California), 2007.

Unlocking Language (The Classic Readability Studies): William Dubay,?Impact Information, Costa Mesa(California), 2007.

Good Style(Writing For Science And Technology): John Kirkman, Spon Press, London, 2^nd Indian reprint, 2007.

Indlish (The Book for Every English-Speaking Indian): Jyoti Sanyal, Viva Books, New?Delhi, reprint, 2007.

Assessing Reading: J. Charles Alderson,Cambridge University Press, New York,?5^th printing, 2005.

The Elements Of Style: William Strunk Jr. and E.B. White, Longman Publishers,?New York, 4^th edition, 2000.

How To Take The Fog Out Of Writing: Robert Gunning, Taraporevala Publishing?Industries, Bombay, 1^st Indian reprint, 1979.

The Complete Plain Words: Sir Ernest Gowers, The English Language Book Society and Penguin Books, reprint, 1969.

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This Easter must make 'SENSE' for ages 9-13 & 14-18 | Lagos Mums

Easter is right around the corner and the children will be home again which usually means another opportunity to have some more family time. Yes we know! But wait, till you see all that this special Easter course has to offer? .

COURSE DESCRIPTION (courses are held across 2 age groups, 9-13 & 14-18)

CREATIVE WRITING WITH NIGERIAN STUDIES? (9-18)

Want to take your writing skills to another level? Working with a professional writer, you?ll use the amazing materials and resources available for inspiration and produce some exciting new creative writing of your own. Learn about Nigerian History at the same time.

PUBLIC SPEAKING?. (9-18)
A fun and interactive workshop that will teach you how to speak and deliver presentations with confidence. This course will help you express yourself with ease in all kinds of situations and even in those dreaded interviews.

MOBILE WEB DESIGNS?(14-18)
Learn coding and basic computer programming to build web applications. You?ll be taught by top tech professionals and will leave with a web app of your own that you can develop. Participants must have basic coding experience

RADIO CRASH COURSE?(9-18)
Do you want insider information on what it takes to create a show on radio?? You?ll work with the experts to learn about music programming, presenting , and interviewing techniques and then plan, record, promote and broadcast your show

DOCUMENTARY FILM MAKING?.(9-18)
Make a documentary about something you care about. On this course, you?ll set up shoots and film a documentary. You?ll also learn about careers in the industry

CREATIVE PHOTOGRAPHY?(9-18)
On this course, you?ll discover how to take photos, and manipulate them, and put ?together an exhibition of your best works to be shown at the exhibition at the end of the program.

INTRO TO DJ-ING?. (9-18)
Learn about the art of DJing with Renowned Nigerian professionals. On this course you?ll learn to mix and blend tracks, count beats, and bars, as well as perform to a crowd.

ROCK CLIMBING?. (9-18)
Want to hang though at an indoor climbing center? Think you can Scale THE WALLS? Come LEARN about ALL EQUIPMENT AND SAFETY, and try out your skills.

INTRO TO AVIATION?.(14-18)
On this course, you?ll learn about the different careers within the aviation industry.

INTRO TO MANAGEMENT CONSULTING?.(14-18)
On this course, you?ll find out more about the company and learn about management consulting.
HIP-HOP?(9-18)
Ever dreamt about fancy foot work? On this course, you?ll learn about the art of dancing and moving to the beat

AFRICAN DANCE AND MUSIC?..(9-18)
Move in rhythm to African music under the tutelage of professional dancer. This course brings out the ?African? in U through the music and steps.

VOLLEYBALL/FOOTBALL ? ?(9 ? 18)
Girls/Boys respectively (either or)

SPANISH ? (9-13)
Language introduction

Notes
Each participant is allowed to choose a maximum of 5 courses.
The venues for the courses vary; and participants would have to be dropped off at/picked up from at the appropriate venue, which will include: 10-A Ikoya, Bogobiri, Getz Arena and the Radio station.
For participants who are enrolled on the ?Aviation Course?, it should be noted that this may hold on 9th April; which is the Easter Monday holiday.
Each participant will be charged N25,000 as fees for the Camp.
You may indicate your child?s interest by return email: contactus@lagosmums.com

Now if you say your child is not enrolling, you have GOT to be kidding me!

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Keith Olbermann Fired, Will Sue Al Gore and Current TV (Little green footballs)

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'Anchorman 2': Our Cameo Wish List

Break out the scotchy scotch scotch: San Diego's favorite newsman is returning to the airwaves. Will Ferrell—as alter ego Ron Burgundy—appeared on Wednesday's "Conan" to report breaking news, namely that the once-scrapped "Anchorman: The Legend of Ron Burgundy" sequel is now officially a go at Paramount, presumably with co-stars Steve Carell and Paul Rudd returning [...]

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Sensing victory, Romney turns attention to Obama fight

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Iran suspends accreditation for Reuters in Tehran

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Source: http://news.yahoo.com/iran-suspends-accreditation-reuters-tehran-181925084.html

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Tustin Short Sale Condominiums report. | Real Estate Industry Blog

This analysis is brought to you by the experts at the ShortSalesASAP group, who specialize in short sale negotiations, marketing and sales here in Tustin . This article will report the statistics for Active for Sale and Sold standard listing properties, as compared to short sales. Currently, there are 29 detached homes listed for sale in Tustin , California. The median price of these homes for sale is $299,250 and the average price per square foot is $234 . 12 of these active listings are short sales, which represent 41% of the total inventory of detached homes for sale. The median price of these short sale properties is $275,000 and the average price per square foot is $205 .

For condominiums in escrow, there are now 95 attached units under contract, with a median price of $274,900 . Of this number, 69 are short sales, which calculates to be 73% of the total pending units, and the median price is $248,000 .

For the past 90 days, there have been a total of 73 condo sales with a median price of $290,150 , and an average price per square foot of $230 in the City of Tustin . Also, there were 30 short sale condos that sold, which was 41% of the total number of units sold in this period. The median price of the sold short sale condos was $300,000 , and the average price per square foot was $228 .

If you would like more information about short sale real estate, feel free to click the following link to visit our website at: Tustin Short Sale Homes and Condos for Sale. To speak with a Short Sale Realtor, or to set an appointment, feel free to call: (888) 201-7066, or email us at: Info@ShortSalesASAP.com.

Source: http://www.wannanetwork.com/2012/03/29/tustinshort-sale-condominiums-report/

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Buy A Good Fit Eyewear From Optician In New York | AHIP's Health ...

Vision problems are treated by wearing framed glasses or eye contacts. But before purchasing any glass frames, it is essential for patients to seek for medical advice from optician New York. The eye size, bridge size, and temple length are the general parts that you can find in every frames. Opticians are expected to be adept in getting the right measurements. optician New York

In their clinic, there you can find their sold items from eyeglasses, sunglasses, and various types of lenses. You can purchase contact lenses, single vision lenses, and bifocal lenses from them. Free adjustments for unfitted frames. The eyewear may either be quad-imaging, petite frames, or designer frames.

But before you can choose an eyewear, eye examination is very important. The doctor has to detect presence of visual problems, overall health issues, and eye diseases. Once everything is confirmed, you are now ready to purchase an eyewear. However it is best that you take the doctor?s eyewear prescription.

Aside from inquiring for referrals from other people, online research can also supply more information. Search for reliable websites and then take time reading articles, forum comments, and blogs. Always check the company websites most especially on the physician?s medical background, reputation, and work experience.

Be sure to check the schedule of the doctor so you won?t waste your time. Ask for appointment as much as possible. Study your insurance policy whether it covers this type of treatment. Invest in good types of glasses because it will last long. Check the materials used especially on the frames.

Start searching for discounts and amazing deals from different eye clinics. Take your time in picking a doctor because its important to feel comfortable and confident in dealing with him.

Optician New York will provide the best medical services in town. Follow their advice so that you won?t have any further eye problems.

Learn more here: optician New York

Source: http://www.ahipbelieves.com/physical-fitness/buy-a-good-fit-eyewear-from-optician-in-new-york/

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Hawaii State Senate Congratulates U.S. Small Business ...

Mar

28

2012

Hawaii State Senate honored Hawaii recipients of the United States Small Business Administration?s 2012 Awards.

Honolulu-? The Senate today honored Hawaii recipients of the United States Small Business Administration?s 2012 Awards with a Certificate of Recognition.? Among those honored by the Senate included:

• Michael Tokunaga, recipient of the 2012 Small Business Person of the Year award, was honored for his demonstration of outstanding skills and ability to create successes in the small business community. After taking over S. Tokunaga, a fishing and ocean sports store in 1991, Tokunaga has continued his family?s legacy of hard work and determination through diversifying product lines and adopting a 21st century integrated marketing strategy.

• John and Daisy Carpenter, owners of Island Slipper Factory, were honored for their receiving the 2012 Small Business Exporter of the Year award. The award honors individuals who own and operate a small business engaged in exporting products or services outside the United States.? Making over 80 styles of footwear true to the Hawaiian lifestyle the Carpenters produce 100% of their high-end export sandals in Hawaii and sell to customers on the mainland, in the Caribbean, Central America, the South Pacific, and Japan.

• Jerry Guyo was recognized for receiving the 2012 SBA Young Entrepreneur of the Year award. As President and owner of Pacific Ice Services, Inc. since 2007, Guyo was a promising refrigerator technician when he started with the company four years earlier.? Still under 30 years of age, Guyo shows natural business skills that have allowed him to grow his small business by expanding his market on neighbor islands, arranging service agreements and establishing financing and leasing plans.

• Susumu Oshima was recognized for receiving the 2012 Family-Owned Business of the Year award. The award honors family owned small businesses with more than 15 years of history that have passed ownership and operations from one generation to another.? Though Oshima Store has operated as a general merchandising and convenience store for the past 85 years, it is the vision, experience and leadership of Oshima that have successfully navigated the rough and changing business patterns of the last 65 years for this family-owned business.

• Glenn Kishida was recognized for receiving The 2012 Financial Services Champion of the Year award honors an individual who assists small businesses through advocacy efforts to increase the usefulness and availability of account or financial services to small businesses. A vital and contributing member of Hawaii?s business community for nearly 40 years, Kishida is a financial advisor with Nexus Trusted Advisors, a savvy CPA, and former founding partner in one of the state?s largest accounting firms.

• Kathleen Davenport was recognized for receiving the 2012 Women in Business Champion of the Year award, which goes to an individual who has, as an advocate for women entrepreneurs, fulfilled a commitment to the advancement of women?s business ownership.? A small business owner, photographer, success coach and speaker, Davenport is an outstanding advocate and champion for women?s advancement and full participation in free enterprise and business.? A retired Air Force Defense Intelligence consultant, she has always been passionate about volunteering, networking and creating opportunities.

• Vince Dydasco was honored for receiving the 2012 Veteran Small Business Champion of the Year award, which honors an individual who has fulfilled a commitment to advancing small business opportunities for Veteran?s of the U.S. Armed Forces. Dydasco?s role as a SCORE Mentor and Chapter leader goes far beyond working with clients to meet their needs for business support and training.? A busy professional in Honolulu, he commits countless volunteer hours to promoting, developing and managing SCORE, a business assistance organization funded in part by SBA.

• Dana Hauanio was honored for receiving the 2012 Minority Small Business Champion of the Year award, which honors individuals who have fulfilled a commitment to support and assist minority entrepreneurs and small business owners. As Project Director of the Minority Business Center at the University of Hawaii, Hauanio leads an organization that cultivates and supports the entrepreneurial spirit in Hawaii?s diverse minority community.? With her team of consultants, she provides assistance to small business owners in financial analysis, operations, and management.

• Constance Cate was honored for receiving the 2012 Home-Based Business Champion of the Year award. As the Director for the East Hawai?i office of the Hawai?i SBDC Network, Cate continues to be a powerful advocate and leader for the home-based business sector.? She carefully reviews regulations that impact home business operators and educates community members on important issues.

Posted by Hawaii Senate Majority Caucus

Source: http://www.hawaiisenatemajority.com/2012/03/hawaii-state-senate-congratulates-u-s-small-business-administration-award-recipients/

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Paid Surveys Can Earn You Money | Backlinkarticles

If you need some extra cash but don?t possess the time or energy to get a second job, you might want to look into encuestas por internet pagadas online. Yes, yes its true. There are companies ready to pay you simply for giving your honest view about a product or service.

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Although you absolutely want to put several thought into the replies you give and to be as honest as you can, completing these surveys online is not exactly too difficult. Many people find it an easy task to multitask while doing them, answering concerns while listening to the neighborhood news or talk to a friend on the phone.
Still, another advantage of taking online surveys is that it truly is fun to offer your opinion, especially when you know your responses might just help companies appearance their policies, items or, services. Consider, the ten minutes you are taking now to answer a dozen questions could affect many future customers.
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Before you actually spend time taking surveys, though, do your homework. As with all other Internet venture, you?re likely to find genuine offers and ripoffs. The scams will be the deals that appear to good to be true. For anyone who is suspicious, type the business?s name into your beloved search engine and see which kind of results come up.
After you?re satisfied which the offer is valid, take a few moments and read every one of the find print so you know exactly what you need to do to generate income. Watch out for stipulations restraining the amount of surveys you are able to take per month, for instance.
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Source: http://www.backlinkarticles.com/business/paid-surveys-can-earn-you-money.html

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Scientists Develop First Snap Shot of Tiny Brain Tumors ...

Cancer Research UK scientists have developed a technique they believe could be used to detect tiny secondary tumors in the brain, a process that is currently impossible, according to research published in PNAS, Monday.

The scientists at Cancer Research UK?s Gray Institute for Radiation Oncology and Biology at the University of Oxford showed that a special dye recognises and sticks to a molecule called VCAM-1, in mice. The molecule is produced in greater amounts on blood vessels in cancer that has spread to the brain from other parts of the body ? known as brain metastases.

A medical imaging technique called magnetic resonance imaging (MRI) can ?take a photo? of the dye distribution in the brain. This could enable cancer doctors to detect brain metastases that are much smaller than is currently possible.

Secondary cancer that has spread to the brain is extremely difficult to treat successfully. Approximately 10 per cent of patients with cancer develop brain metastases.

Small secondary brain tumours can be treated with whole brain radiotherapy or surgery, and there are new chemotherapy treatments in development. But currently, it is only possible to detect larger secondary brain tumours, which are more difficult to treat.

Cancer Research UK scientist, Dr Nicola Sibson, from the Gray Institute, said: ?We urgently need to find ways to diagnose these cancers at an earlier stage to improve survival rates.

?Our research suggests a new possible approach to do just this. The next stage is to build on these results and carry out clinical trials. If successful, we hope that early detection using this technique could increase the number of available treatment options for these patients.?

Dr Julie Sharp, Cancer Research UK?s senior science information manager, said:

?This exciting discovery reveals that a single protein could enable doctors to literally paint a picture with a medical dye to detect cancer that has spread to the brain, at a very early stage, when treatment has a greater chance of being successful.

?Thanks to the generosity of the public we?ve invested in research that has contributed to progress in brain tumour treatment, with survival almost doubling in children since the 1960s. But sadly less progress has been made in adults ? a situation that urgently needs to change. We hope that research such as this to improve detection will increase survival from this hard-to-treat disease.?

Notes about this brain research article

Contact: Cancer Research UK press office
Source: Cancer Research UK press release
Image Source: Neuroscience News image adapted from PNAS research image by Seres et al
Original Research: Abstract for ?Molecular MRI enables early and sensitive detection of brain metastases? by Seres et al. in PNAS (2012)

T2*-weighted images (Left) and corresponding post?Gd-DTPA T1-weighted images (Right) from the MDA231-BR?injected mouse that showed clinical symptoms at day 20. A single area of Gd-DTPA enhancement was observed in the left motor cortex, which corresponded to an area of intense VCAM?MPIO contrast. However, the contrast patterns are distinct, indicating that the VCAM?MPIO were still endovascularly bound, whereas the Gd-DTPA had clearly extravasated into the parenchyma over a broader region. Interestingly, in this animal, other areas of VCAM?MPIO contrast were evident elsewhere in the brain (arrows), with no concomitant Gd-DTPA enhancement. These ?ndings indicate that, even when clinical symptoms and Gd-detectable metastases become apparent, the VCAM?MPIO approach reveals additional tumor burden that remains undetectable by conventional means. Image adapted from Seres et al in PNAS

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Source: http://neurosciencenews.com/snapshot-picture-tiny-brain-tumors-vcam-1-metastases/

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4 Crucial Things You Must Do To Build Up Your List | Web Hosting ...

Online marketing may have developed a sudden surge these past one or two years, but many in the club how have felt its rise even from way then. As more Internet based businesses are put up, the necessity to develop new marketing skills and data based primarily on this new medium have appeared. More and more marketing systems are being developed and discovered to cope with the changing face of business the industrial world.

The demand for online marketing tips and secrets have drastically grown and a new sort of business has been born, internet marketing secrets. While there are corporations that are all too enthusiastic to help your website and business build a customers at a charge, there also many ways that can spread the word about your sites subsistence in a cost free way. One of this is Opt-in email marketing, a. K. A authorization marketing.

Opt-in marketing requires the permission of a prepared client to sign up to your marketing materials, materials that take form in newsletters, catalogs and promotional mailshots through email. The more opt-in marketing mail is sent, the more chances there is to bag sales and more sales. To do that, you need to create a list of all of those who wants to subscribe to your opt-in marketing list.

From your list, you'll get your targeted client, this is a good list since they already have shown interest in what you have to show and sell since they have happily signed in for your list. These are the folks that have liked what they have seen in your internet site and have chosen they'd like to see more and maybe even purchase what ever service or product your company and site has to offer.

Many folks would think that building their lists would take hard work and a substantial amount of time to build and collect names and addresses. This is not so , it needs a bit of patience and some strategies but in doing this list, you open your internet site and your business to a totally new arena of target market. Take the effort to take your business to a higher level, if traffic increase and good profits are what you want, an opt in list will do wonders for your startup business.

There are lots of sources and articles in the internet available for everyone to read and follow in building a list. Often they could be confusing because there are so very many and there other ways. Different groups of folks would have alternate approaches in building an opt-in list, but no matter how various many techniques are, there are always some critical things worth doing to build up your list. Here is a fast email marketing gratis.

1) Put up a good web form in your website that immediately follows the end of your content. While some may say this is too soon to subscribe for a website visitors application, try to remember that your default home page should ideally provide a fast good impression. If somehow a website visitor finds something that he dislikes and turns them off, they could forget enrolling.

A good web form for subscribing to an opt in list isn't hard to do. Just write a straightforward short statement about how they wish to see more and get updated about the site. Then there should be an area where they could put in their names and email address. This web form will instantly save and send you the data?s inputted. As more folks sign in, your list will be growing.

2) As mentioned in the first tip, make your default page very , very provoking. You need to have nicely written articles and outlines of your website. Depending on what your site is all about, you want to capture your internet site visitor?s fancy. Make your site useful and extraordinarily easy to use. Do not expect everyone to be technology aware. Invest in having good programming in your internet site, make your graphics gorgeous but do not go overboard.

Don't waste your time making the homepage too very giant megabyte wise. Not all folks have dedicated T1 connections, the quicker your internet site gets loaded, the better. Go for a look that borders between simpleness and classy information.

3) Provide good service and products. A return client is more likely to bring in more business. Even then and now, a satisfied shopper will counsel a business always. Personal recommendation and suggestions alone can rake in more business than an expensive ad. As your customers registry grows so shall your list. With more members on the list, the more people will begin to know about what you have new to offer.

4) Keep a clean and private list. Never lose the trust your clients have trusted you. If you provide emails to others and they get spammed, plenty will potentially unsubscribe to you. Remember, a great reputation will drive in more traffic and subscribers as well as brace the commitment of your customers.

Learn the way to make a simple business plan for your email marketing campaigns at Entrepreneurs List.

Website Marketing Tips4 Crucial Things You Must Do To Build Up Your ListOnline marketing may have developed a sudden surge these past one or two years, but many in the club how have felt its rise even from way then. As mor?

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Talk on banking reform, York, April 3rd ? Business ethics and other ...

Hugo Radice, who participated in the workshops on ethics in financial services that I organised last year at IDEA, will be giving a talk on banking reform in York on 3rd April.

Hugo is a Life Fellow in the?School of Politics & International Studies at the?University of Leeds.?The details of his talk?are below, and all are welcome:

Taming the banks: is the new regulatory framework fit for purpose?

Hugo Radice

Yorkshire Philosophical Society

7.30 pm, Tuesday 3rd April, Tempest Anderson Hall, York

(for details see http://www.yorksphilsoc.org.uk/)

Preview:

In September 2011, the Independent Commission on Banking under Sir John Vickers presented its final recommendations on reforms to improve stability and competition in UK banking.? The most prominent proposal was the ?ringfencing? of risky investment activities, so that the mundane retail banking needs of businesses and households would not be threatened by future financial crises like that of 2007-9.? Outside the UK, the Eurozone sovereign debt crisis that erupted in 2010 has revealed the continuing vulnerability of banking everywhere to the vagaries of financial markets, while the Basel III negotiations to provide a robust global regulatory framework for banks have proceeded at a snail?s pace.? Meanwhile, on the fringes of the official debates, many critics are asking whether the present proposals can deliver a banking system oriented to social needs, rather than the redistribution of wealth and income from the poor to the rich.

This talk will examine the origins and consequences of the recent crisis; put the existing reform proposals in the context of broader changes in global capitalism and its governance; and outline more radical proposals to address financial exclusion and bring banking under popular democratic control.

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Source: http://dempseyjames.wordpress.com/2012/03/27/talk-on-banking-reform-york-april-3rd/

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Cheap Carpets ? Tips On Ways To Give Your Household A Facelift

by Home on Tuesday, March 27th, 2012 | Comments Off

Flooring can be a relatively simple do it yourself project for a novice. Focus on putting tile in your kitchen and bathrooms and replace your carpet with hardwood floors. Home improvement stores possess a wealth of here is how to make this process simple for you to accomplish. Watch out for carpet installation sales at local locations of national home improvement retailers. They will frequently offer installation for a low, low cost to encourage cheap carpets purchases. This is a superb time to have new carpet put in your house, as the price of labor and installation, often can exceed the cost of the actual product.

Before investing in new hardwood floors, seek advice from an expert, about looking at the current floors in your home. Sometimes, you might have beautiful, natural hardwood hiding underneath layers of carpet or linoleum, that is just waiting to become refinished. You?ll find yourself having a nicer looking, higher quality floor for less money. Installing carpet could be a daunting task if done yourself, or an expensive task should you pay a professional to get it done. Fortunately there is an alternative. Much like vinyl floor tiles, you will find carpet tiles that exist. These too have adhesive backing that allows you to set them up easily, plus they look just like real sheet carpeting when installed.

Use carpet samples to carpet an entire room! Retail stores often throw away their samples. Cut each sample up into smaller pieces and tack or glue them into place for free flooring. Cut them in identically sized pieces for any tile effect or cut them in irregular geometric shapes to have an abstract look. Before investing in new hardwood flooring, check with a professional about looking at the current floors in your home. Sometimes you may have beautiful, natural hardwood hiding underneath layers of carpet or linoleum that?s just waiting to become refinished. You will wind up having a nicer looking, higher quality floor at a lower price.

Carpet the bottoms from the drawers you keep you tools in. This will not only make the shop room a quieter place but it will help protect your valuable tools. Keep those tools rust free by spraying carpeting lightly with machine oil before you place the various tools within the drawer. Stairs can be a great accessory for a house, however they can also be dangerous. Consider putting carpeting in your stairs to avoid any accidents. Rising and down the stairs in socks can be a neck-breaking accident if one slips on the wooden staircase. Try to take a look at different carpet or rug designs that could look great on your stairs.

Thinking about putting down carpeting for your home, be sure to choose carpeting in dark colors only. Light colors for example beige, white, or light brown often get dirt and stains, making your carpeting appear cheap and used. Go for colors like green or dark brown to hide what shouldn?t be seen and prolong the life of your carpet. New floor covering is a great way to update the look and feel of any room in your house. A reputable flooring company can install new hardwood, carpet, laminate or tile flooring in as little as eventually or visit your local home improvement store for do-it-yourself options.

For more details on cheap carpets remember to simply click here.

Source: http://home-improvement-idea.com/cheap-carpets-tips-on-ways-to-give-your-household-a-facelift/

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Modifies Your Life ? Advices For Personal Growth | Self ...

Knowing precisely what to do to enhance your life can be hard. When you're dealing with private development discover what will work for you; everybody is different and there are different things that work for different folks. There are always tips, like these, that can allow you to improve yourself.

Always aim to try your best at everything you do. Let your passions guide you. The fact is that we can't ever be the indisputable best at a single thing, but we can aim to be an inspiration to others in our fields. Try increasing your worth inside your field so that you can boost your self confidence also. el secreto

To keep from augmenting the amount of debt you owe, start putting money into an emergency fund. Most of us depend on credit cards to pay for unexpected expenses. If you save just a bit each week, you'll have built up your emergency fund in almost no time. This fund will help you to stay out of debt if you need to face an emergency.

Apply the principles that you have learned. Everyone has convictions that are central to their sense of self. If you have got good reason to have these convictions, you may feel more confident and grow your self worth by adhering to these principles and guidelines. This practice also promotes consistency, which is a great trait to have.

Taking a few small hazards may just be where you need to start on your trail toward happiness. Most folks do not wish to risk sensations of refusal or failure, so they never travel from their comfort zone, finally causing dissatisfaction. Taking chances shows bravery, which is what?s needed to help lead you on a path of happiness.

Everyone needs to boost in different life areas, so grab the most useful tips for your present position from this article. You have got to apply these tips if you want to get anything done. Share this piece of writing with anybody in your life that you believe will find advantages in it, and help yourself as well as others grow and develop.

You want to know more about The Secret (trabajos medio tiempo), Law of Atracttion (regalos empresariales) or find out about Personal Development. Please visit us!

Leon Edward helps people in Personal and Career Growth, leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal success, development and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org Leon Edward also helps people improve IQ, focus, memory, concentration, creativity, speed reading, public speaking , time management and reducing stress. Download his IQ Mind Brain Memory Self-Help library at his website http://www.IQMindBrainLibrary.comLeon Edward helps people improve in Leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal development training, success and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org

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