This is a non stock specific board.
tactics MM's employ specifically relating to the OTC.
FINRA's Office of the Whistleblower expedites the review of high-risk tips by FINRA senior staff and ensures a rapid response for tips believed to have merit.
Through the Office of the Whistleblower, individuals with evidence of, or material information about, potentially illegal or unethical activity can reach senior staff, who can quickly assess the level of risk involved and make sure that each tip is properly evaluated. Those tips warranting additional review and investigation will be subject to an expedited regulatory response.
FINRA will refer any whistleblower tips that fall outside its jurisdictional reach to the appropriate regulatory or law enforcement agencies.
FINRA's whistleblower initiative does not replace longstanding processes for handling thousands of routine regulatory tips and customer complaints each year.
Listed below are a large number of public information articles and reports detailing the brokerage houses, marketmakers and the conduct of the main "street" characters engaged in the illegal practice of "naked short selling", "death-spiral financing", "failure to delivers (FTDs)" and/or stock fraud.
--- Mr. KAUFMAN. Madam President, all Americans hope that the ``green shoots'' we have been seeing recently--evidence of the economy turning around--won't wither. One thing that will help make our recovery strong and sustainable is the return of investor confidence. That is why making certain our financial markets operate fairly and openly is so important.
Free and fair markets and democracy are America's two greatest pillars of strength. Our financial markets have long been the engine of American growth and the envy of the world. Efficient and free capital markets are essential to all of what makes America great: investment in private enterprise, the availability of capital to expand and grow our economy through innovation and new ideas, and the ability to save for retirement in hopes that investment will result in comfort for our later years. But we have seen what happens when you take the referees off the field, when we fail to have clear and fair rules for everyone. It is the job of our democratic government to set those rules and to keep the referees--our financial regulators--on the field.
I rise today because we continue to see that our financial markets simply do not operate on a level playing field for all investors. That is a threat to the credibility of our financial markets and, as a result, to our country's economic well-being.
[Page: S8184] GPO's PDF I offer my colleagues three examples of this two-tier system which undermines the fairness and efficiency of our financial markets. First, today the biggest players on Wall Street are using their automated, high-speed trading programs to engage in short selling of stocks. Informed observers believe organized ``bear raids''--short selling combined with coordinated ``misinformation'' campaigns--contributed to the demise of Lehman Brothers and Bear Stearns, key elements in the collapse of our financial markets last year. With the repeal of the uptick rule in 2007 and no substantial substitute in its place, the threat of such damaging manipulation is still with us.
Since March 3, I have spoken frequently about the urgent need for the SEC to restore the substance of the uptick rule. This rule required investors simply to pause and to wait for an uptick in price before continuing to short sell. Without such a rule in place, investors who own those stocks are more vulnerable to hedge fund bear raiders.
So far, the SEC has initiated rulemaking and conducted on April 8 a roundtable discussion among key experts on some kind of price test that could substantially replace the uptick rule in today's high-speed, high-tech markets. While that process has begun, we have yet to see it bear fruit.
Second, big market players can engage in naked short selling--selling stock for which they have no legal claim and for which they cannot deliver. Since my first speech on this subject in March, I have come to the floor several times and coauthored letters with my colleagues about the need for the SEC to end naked short selling. In that abusive practice, traders bet on shares losing value--shares they have not borrowed and in some cases never even intend to borrow--in time for settlement.
Yesterday, the SEC made permanent a temporary rule they had enacted last fall and proposed some new transparency measures, and the Commission announced plans for a roundtable discussion on September 30--2 months from now. The Commission will finally begin to discuss publicly the potential solutions that a bipartisan group of Senators and I have been urging: either a pre-borrow requirement or a centralized ``hard locate'' system. The Depository Trust and Clearing Corporation tells us it has the capacity and the willingness to implement that system but only if the SEC requires it through a rule.
That is some progress, but we need more urgency at the SEC to implement tougher rules that will stop naked short selling through an enforceable system. This is imperative, because the current ``reasonable belief'' standard is virtually unenforceable, even against those who engage in concerted action to manipulate prices downward.
Yesterday's announcement by the SEC admits that the rule they made permanent yesterday has only reduced fails to deliver by 57 percent. That leaves a lot of room for improvement. Why not have an enforceable system such as that proposed last week by seven Senators of both parties that could end naked short selling once and for all? I am hopeful we will soon see movement on this.
Third, we have the most recent revelation of so-called ``flash orders'' by high frequency traders. These allow exchange members who pay a fee to get a first look at share order flows before the general public. By viewing this buy and sell order information for milliseconds before it goes in the wider market, these investors gain an unfair advantage over the rest. Today I join Senator Schumer in urging the SEC to prohibit the use of these flash orders used in connection with optional display periods currently permitted by DirectEdge, Bats Exchange, and NASDAQ.
Non-public order information to a select class of market participants at the expense of a free and open market system.
To use a baseball metaphor, flash orders allow some batters to pay to see the catcher's signals to the pitcher while the rest of us don't see them. We have to make an informed judgment with a normal amount of risk. Markets that permit a privileged few to have special access to information cannot maintain their credibility.
I ask: Is this what is happening on Wall Street today? When millions of Americans have lost so much money in the stock market, do Wall Street actors continue to make record trading profits by exploiting loopholes using high-speed computers?
This is where all the money is getting made ..... If an individual investor doesn't have the means to keep up, they're at a huge disadvantage.
If allowed to continue, these practices will undermine the confidence of orderly investors and drive them away from our capital markets.
America simply cannot afford this loss of integrity of its financial markets.
Amazingly, it is a loophole in current regulations that allows this unfair practice. This can and should be fixed immediately.
Flash orders, the uptick rule, and naked short selling are not just a list of complaints. I believe they are interconnected. They are interconnected by an unsupported faith in the religion of self-regulation and liquidity. That religion believes that no price is too high for deeper liquidity--maximizing the volume and frequency of a transaction--because it reveals the greatest amount of information about stock values. There is one more article of faith--that innovation by market players is always beneficial.
When the financial markets were decimalized and the uptick rule repealed, the SEC and leading market institutions claimed that the technology would lead to deeper liquidity and market efficiencies benefiting all investors. High-speed trading, sophisticated algorithms, and high volume short selling all have grown exponentially in recent years.
MIT, our Nation's greatest engineering school, sent 11 percent of its 2008 graduates to work on Wall Street. All this, some say, has led to deeper liquidity.
America was also born from the principle of equal opportunity. While we should keep encouraging the kind of commercial ingenuity that fuels the prosperity of financial markets, we must ensure that technology is not employed to advantage one small group over the rest. That is not what free market is about.
Indeed, there is a place in our markets for high-speed arbitrage functions, because they can and have narrowed bid-ask spreads and lowered the cost of trading for all. High-speed arbitrage also helps price discovery and keeps the prices of similar assets traded in different markets more closely aligned.
When it comes to flash orders, however, I think most investors, even those who trade regularly, are waking up very surprised to learn that these practices are even permitted, just as we were surprised last year to learn about the rampant extent of naked short selling. Many investors have been suspicious for years that insiders on Wall Street hold built-in advantages over average investors. Flash orders are a classic example of being taken aback not by what is illegal but by what is legally occurring directly under the nose of our financial regulators and leading market institutions.
Since I began speaking out against naked short selling, I have heard from some of the biggest companies in America that are concerned about the effects of naked short selling. But they do not want to speak out because they fear that any hint of vulnerability they admit even privately to public officials will leak out and make them the target of these predatory raiders.
I have also heard from investors around the country. They have complained that large broker-dealers are somehow permitted to trade ahead of most investors. These average and even sophisticated investors relate that in their experience they never seem to be able to execute trades at the best available published bid or asking price. They complain that large orders always seem to get a priority over their smaller orders. Until now, I never knew what to make of these claims.
S8185] GPO's PDF In the New York Times this past Friday, on investor blogs for weeks now, and in a comment letter filed by the New York Stock Exchange on May 28, commentators have begun to explain how flash orders work to, quite literally, ``pick the pockets'' of the average investor. In essence, these traders get a very quick look at all pending orders in advance and through technology can trade ahead of these orders.
I ask unanimous consent that the Times article be printed in the Record.
It is the hot new thing on Wall Street, a way for a handful of traders to master the stock market, peek at investors' orders and, critics say, even subtly manipulate share prices.
It is called high-frequency trading--and it is suddenly one of the most talked-about and mysterious forces in the markets.
Powerful computers, some housed right next to the machines that drive marketplaces like the New York Stock Exchange, enable high-frequency traders to transmit millions of orders at lightning speed and, their detractors contend, reap billions at everyone else's expense.
Nearly everyone on Wall Street is wondering how hedge funds and large banks like Goldman Sachs are making so much money so soon after the financial system nearly collapsed. High-frequency trading is one answer.
And when a former Goldman Sachs programmer was accused this month of stealing secret computer codes--software that a federal prosecutor said could ``manipulate markets in unfair ways''--it only added to the mystery. Goldman acknowledges that it profits from high-frequency trading, but disputes that it has an unfair advantage.
Yet high-frequency specialists clearly have an edge over typical traders, let alone ordinary investors. The Securities and Exchange Commission says it is examining certain aspects of the strategy.
For most of Wall Street's history, stock trading was fairly straightforward: buyers and sellers gathered on exchange floors and dickered until they struck a deal. Then, in 1998, the Securities and Exchange Commission authorized electronic exchanges to compete with marketplaces like the New York Stock Exchange. The intent was to open markets to anyone with a desktop computer and a fresh idea.
But as new marketplaces have emerged, PCs have been unable to compete with Wall Street's computers. Powerful algorithms--``algos,'' in industry parlance--execute millions of orders a second and scan dozens of public and private marketplaces simultaneously. They can spot trends before other investors can blink, changing orders and strategies within milliseconds.
High-frequency traders often confound other investors by issuing and then canceling orders almost simultaneously. Loopholes in market rules give high-speed investors an early glance at how others are trading. And their computers can essentially bully slower investors into giving up profits--and then disappear before anyone even knows they were there.
High-frequency traders also benefit from competition among the various exchanges, which pay small fees that are often collected by the biggest and most active traders--typically a quarter of a cent per share to whoever arrives first. Those small payments, spread over millions of shares, help high-speed investors profit simply by trading enormous numbers of shares, even if they buy or sell at a modest loss.
The rise of high-frequency trading helps explain why activity on the nation's stock exchanges has exploded. Average daily volume has soared by 164 percent since 2005, according to data from NYSE. Although precise figures are elusive, stock exchanges say that a handful of high-frequency traders now account for a more than half of all trades. To understand this high-speed world, consider what happened when slow-moving traders went up against high-frequency robots earlier this month, and ended up handing spoils to lightning-fast computers.
It was July 15, and Intel, the computer chip giant, had reporting robust earnings the night before. Some investors, smelling opportunity, set out to buy shares in the semiconductor company Broadcom. (Their activities were described by an investor at a major Wall Street firm who spoke on the condition of anonymity to protect his job.) The slower traders faced a quandary: If they sought to buy a large number of shares at once, they would tip their hand and risk driving up Broadcom's price. So, as is often the case on Wall Street, they divided their orders into dozens of small batches, hoping to cover their tracks. One second after the market opened, shares of Broadcom started changing hands at $26.20.
The slower traders began issuing buy orders. But rather than being shown to all potential sellers at the same time, some of those orders were most likely routed to a collection of high-frequency traders for just 30 milliseconds--0.03 seconds--in what are known as flash orders. While markets are supposed to ensure transparency by showing orders to everyone simultaneously, a loophole in regulations allows marketplaces like Nasdaq to show traders some orders ahead of everyone else in exchange for a fee.
Soon, thousands of orders began flooding the markets as high-frequency software went into high gear. Automatic programs began issuing and canceling tiny orders within milliseconds to determine how much the slower traders were willing to pay. The high-frequency computers quickly determined that some investors' upper limit was $26.40. The price shot to $26.39, and high-frequency programs began offering to sell hundreds of thousands of shares.
The result is that the slower-moving investors paid $1.4 million for about 56,000 shares, or $7,800 more than if they had been able to move as quickly as the high-frequency traders.
Multiply such trades across thousands of stocks a day, and the profits are substantial. High-frequency traders generated about $21 billion in profits last year, the Tabb Group, a research firm, estimates.
Mr. KAUFMAN. Madam President, in America where all are created equal, Wall Street technology has permitted the powerful to exploit loopholes that make some investors now more equal than others.
The most basic principle of a free market system is that anyone can transact goods at prices based on a free and open market, not based on some kind of insider status. These flash order practices fly in the face of Regulation NMS, which the SEC issued to guarantee that trades are executed at the best price as soon as orders become available. With flash orders, there doesn't seem to be any guarantee of this anymore.
I call again for the SEC to act quickly to protect investors in four critical areas. First, we need to implement a rule that provides the substantive protections removed when the uptick rule was rescinded in 2007.
Second, the SEC must end naked short selling. No one should be able to short a stock unless they have located specified shares of stock and obtained a contractual claim to borrow the stock in time for delivery. The SEC's announcement yesterday of plans for more discussion does not accomplish this. We need concrete action soon by the SEC.
Third, the SEC must prohibit the use of flash orders. No one--no one--should be permitted to use information asymmetry that permits high-speed computer trading to have an advantage over average investors.
Finally, the SEC should establish disclosure and transparency equality. The disclosure requirements that apply to pooled funds worth greater than $100 million should apply uniformly to all, including hedge funds, for both long and short positions, and the level of transparency for order flows should be the same for all.
I truly believe our new SEC chairman is focused on these issues and she is making progress on a number of fronts. But it is the job of Congress to urge regulators to fix problems. SEC Chairman Schapiro inherited an SEC that had made many mistakes. I respect the fact that Chairman Schapiro is working hard every day to right a foundered ship. The other commissioners are joining her in that task.
[Page: S8186] GPO's PDF In closing, I implore the SEC once again to act urgently to fulfill its core mission: protecting investors. The reason protecting investors is so important is that by doing so, the SEC ensures the credibility of the financial markets. If the SEC refuses to restore a level playing field to rebuild investor confidence in our market, then we in Congress will have to step in and do it ourselves.
Protecting investors is too important to the Nation, to the integrity of our financial markets, and to our economic recovery. I say again that legitimate capital markets and arbitrage functions have value, like legitimate short-selling has value. But exploiting an unequal playing field only skims our Nation's wealth. It doesn't create wealth or value, except for a privileged few. That harms the integrity of our financial markets and, by doing so, threatens the very foundation of our economic well-being.
As Americans, we must have faith in our institutions, both the markets and government, and we must believe that if we work hard and play by the rules, all will be treated equally. That is what is at stake. Our financial industry and capital markets can be a powerful engine for the American economy. But the SEC and Congress must work together to restore investor quality, integrity, and credibility of our financial markets.
The PRESIDING OFFICER (Mr. Udall of Colorado). The Senator from Ohio is recognized.
Mr. BROWN. Mr. President, I thank Senator Kaufman for his bold advocacy on behalf of consumers and investors and for a better financial system.
Mr. KAUFMAN. I thank the Senator.
Well, this isn't really a FAQ page, but it is close to it.
• Wall Street has a colorful history of institutionally-condoned stock manipulation and fraud.
• Stock manipulation was not illegal until the introduction of the SEC in 1934.
• Joe Kennedy, the first SEC Chairman (and father of JFK) made his fortune running stock manipulation "pools" on Wall Street.
• The head of the NYSE, who argued successfully against any meaningful regulation and oversight of Wall Street participants (brokers) by the SEC (due to their integrity and high moral fiber), and introduced the notion of self-regulation on the "honor" system (still in place today), was subsequently sentenced to 10 years in Sing-Sing for embezzling client accounts - including a fund in his care set up for orphans.
• The SEC originally was envisioned to have prosecution power.
• The final bill giving birth to the SEC was so anemic and watered-down that it was chastised as nonsense when it was passed, and it severely constrained the new Commission, and limited the SEC's power to filing civil suits. Virtually all the rules with Congressional teeth were stripped out of the bill, at Wall Street's behest. That state of affairs continues to this day.
• The SEC was never intended to police Wall Street and ensure a level and fair playing field - Roosevelt created it to, "Restore investor confidence in the market" after the 1929 and 1932 crashes - not to ensure there was any good reason to have confidence.
• The SEC's track record of action against Wall Street players is worse than abysmal.
• Broker/dealers have transitioned from owing their clients a fiduciary obligation of safekeeping, to a "customer" relationship, that is essentially adversarial - caveat emptor being the rule for customers.
• As commissions have dwindled to nothing (due to the advent of discount brokers, following deregulation) Wall Street is now beholden to the large money movers for their income, and stock lending is one of their biggest profit centers.
• Stock lending is exclusively an activity used by short sellers, who must borrow stock before selling it.
• Short selling is a bet on stock price declines. The short seller borrows stock, and then sells that borrowed stock, hoping to buy it back at a lower price later, when he returns it to the lender.
• Illegal "naked short selling" involves placing a sales transaction, but not borrowing the stock, and simply failing to deliver it on delivery day. It is also called "failing to deliver" or FTD - or delivery failure.
• Delivery failure is a significant problem nowadays, as it can be used to run stock prices down in a manipulative manner. Delivery failure in any other industry is called fraud. Hedge funds are the biggest culprits in this illegal trading strategy, with broker/dealers right behind them in the culpability queue.
• Hedge funds are now the largest players in the US equities markets, representing the majority of trading, with almost $2 trillion under management.
• Hedge funds are large, virtually unregulated pools of anonymous money, used to invest in any way the operator sees fit.
• Prime brokers allow their hedge fund customers leverage on their assets, meaning that for every dollar of asset, they could easily hold $10 of short positions.
• This over-leverage presents a systemic risk should positions in several larger funds go the wrong way, as there isn't enough collateral to cover the domino effect of multiple positions being forced to cover.
• This over-leverage creates an environment where the brokers are now pregnant with their hedge fund customers' liabilities, and have a vested interest in seeing depressed stock prices remain depressed - if the stocks go up, the hedge funds could easily fail, and the brokers are on the hook to buy-in and deliver the stock owed by the funds - resulting in brokerage failures.
• The DTCC is ultimately at risk for this domino effect, as brokerages fail.
• The DTCC is owned by the brokers, thus is the brokers.
• The DTCC processes over $1.2 quadrillion (million trillion) every year, and owns most of the stock American investors hold in their accounts - but most of the country has never heard of the company. The total GNP of the planet is about $20 trillion per year.
• 1% of all trades in dollar volume fail to settle (be delivered) every day, per the SEC.
• $130 billion to $150 billion of equities trade every day.
• $2 trillion of total trades are processed by the DTCC every day, including bonds.
• The SEC does not qualify whether they refer to total trades, or total equities, when referring to 1% failing to settle.
• The SEC keeps the total dollar value of trades that have failed to be delivered secret.
• The Securities Industry Association publishes a spreadsheet that tallies the financial position of all NYSE member firms, and that spreadsheet shows $63 billion plus delivery and receipt failures as of the final day of Q2, 2006, just for those firms. Lines 69 and 103.
• The DTCC claims delivery and receipt failures are a rolling $6 billion per day.
• The disconnect in the numbers is CNS netting, wherein all fails are netted against all shares held long by the brokers, effectively concealing 90+% of the problem once netting is through.
• The $63 billion number doesn't include any of the massive international clearing firms. And that number is after pre-CNS netting, where the day's buys are used to offset the day's sells (even naked sells) at the broker and clearing house level, before reporting to the SIA, and before going into the CNS netting system.
• Of the $130 to $160 billion per day that trades in stock, per the DTCC, 96% is handled by CNS netting. This is consistent with the disconnect in the $6 billion and the $63+ billion numbers. 96% is handled by netting, which means 4% isn't. 4% of $130 billion is $5.2 billion not handled by CNS netting. Of that $5.2 billion, $2.1 billion fails. $1.1 billion of the fails are accommodated by the stock borrow program. $1 billion isn't, and goes onto the $6 billion post netting failure pile.
• $5.2 billion per day aren't handled by CNS netting. $2.1 billion fail. That is 40% of the trades, fail. $130 billion to $160 billion stock trades daily. $63 billion fails just in NYSE firms. That is around 40%.
• The SEC insists that the failure issue isn't a big problem. So does the DTCC. So does Wall Street. None of these entities have commented on the SIA spreadsheet, nor has the NY financial press. Not one comment. None.
• $63 billion is a big problem. That is a mark-to-market number, where yesterday's $20 stock is today $1, thus yesterday's $20 billion problem is now valued as a $1 billion problem. That means the actual true value of the problem is likely 10-20 times larger.
• $630 billion to $1.2 trillion is a very big problem. Even by NY standards.
• The SEC "grandfathered" all failed to deliver trades prior to January, 2005, effectively pardoning all those trades (for which money was paid but no stock ever delivered), from ever being required to deliver. This amounts to allowing those that violated delivery rules to keep the money from their illegal conduct.
• The SEC keeps the number of shares grandfathered, as well as the dollar amount, secret, for fear of creating market disrupting "volatility".
• The above numbers do not take into account the large number of undelivered trades that are handled "Ex-Clearing" - a way of handling delivery outside the system. Nor do they take into account pre-CNS netting, nor international clearing house fails.
• Many securities scholars believe the "Ex-Clearing" failure problem is 10 times larger than the in-system problem the above numbers represent.
• Many investors that think they have "shares" in their brokerage accounts, don't. They have "markers" that have no underlying share to validate them. Some call these "counterfeit shares", with good reason. The technical term is "Securities Entitlement."
• UCC8 mandates that all Securities Entitlements have a genuine share on deposit at the DTC, or in the broker's possession, for each Securities Entitlement. That rule is ignored by the SEC and Wall Street.
• The DTCC, via Cede & Co., is the registered owner of all shares held in "Street Name," which are all shares in margin accounts.
• Margin accounts represent the bulk of independent investor account types.
• Registered owners are free to use their "property" as collateral for loans or debt.
• It is unknown what, if any, loans or debts are collateralized by the stock "owned" by the DTCC.
• The DTCC's "Stock Borrow Program" lends shares to be delivered to buyers, if sellers fail to deliver.
• The Stock Borrow Program is operated on the honor system, and is anonymous.
• It allows one genuine share to be lent multiple times, leaving a string of markers/IOUs in the share's wake.
• This creates a systemic risk for the stock market, as more markers are in investor accounts, falsely represented as shares, than shares actually authorized by the companies.
• These markers are freely traded and treated by the system as real, resulting in a large secondary market of counterfeit shares - resulting in depressed stock prices.
• With paper certificates being eliminated - by the DTCC - there is no way to confirm that a share is genuine, versus a bogus marker.
• There is nothing to stop your broker from taking your money, and merely representing to you that you bought shares, without ever actually buying them. You have no way of knowing the difference, barring demanding paper certificates for your property.
• Only a handful of people on the planet understand all this.
• In the end, it is simple - Wall Street is printing shares electronically, investors are paying real money for those bogus shares, and the whole thing is predicated on the idea that few will ever understand what is being done, or bother to check.
• This represents a hidden tax on investors and the economy.
• It is, for the most part, illegal.
• It is being kept secret by the DTCC and the SEC, who are terrified of systemic collapse, and a complete loss of investor confidence, should all the facts become known.
• All the facts are becoming known.
Just "Tryin to make it real compared to what" the steady diet of nonsense we are fed is.
"All of the facts are becoming known"


text:
In Producers
What is Adam F. Goldberg doing now? Wife, Net Worth, Family
By Jennifer Stout May 26, 2022
Home » What is Adam F. Goldberg doing now? Wife, Net Worth, Family
1 Who is Adam F. Goldberg?
2 What is Adam F. Goldberg Doing Now?
3 Adam F. Goldberg Wiki: Age, Childhood, and Education
7 Personal Life, Married, Single, Wife, Children?
8 Appearance and Vital Statistics
9 Hobbies, Interests, and Trivia
Who is Adam F. Goldberg?
Adam is an American television and film producer and writer, probably best known to the world for creating such TV series as "Breaking In", "The Goldbergs", and "Imaginary Mary", among others.
What is Adam F. Goldberg Doing Now?
Adam is currently busy with several projects, both as a writer and producer, some of which include the documentaries "What an Institution: The Story of Police Academy", then "Dungeons & Dragons: A Documentary", and the film "The Muppets Mayhem".
Adam F. Goldberg Wiki: Age, Childhood, and Education
Adam Frederick Goldberg was born on 2 April 1976 under the Aries zodiac sign, in Philadelphia, Pennsylvania, USA. The youngest of three children born to Murray Goldberg and his wife Beverly, Adam grew up in a Jewish household with his two older brothers, Eric and Barry.
A post shared by Andrew Quinney (@andrew_quinney)
Adam studied at the William Penn Charter School, and after matriculation, enrolled at New York University, from which he graduated in 1998 with a double major in film and dramatic writing.
A writing prodigy, Adam wrote and produced his first play, "Dr. Pickup" at 15 years of age in 1992, which won him the Philadelphia Young Playwrights Festival award.
He continued to write plays, and his creations reached the stages of such venues as the Illusion Theater, the Sundance Playwright Lab, The Walnut Street Theater, Greenwich Street Theater, and the Joseph Papp Theater.
In 1997, his play "One on One" was considered one of the finalists for the American Theater Critics Association's Osborn Award.
His play "The Purple Heart", won him first place in the Very Special Arts Playwriting Award and was produced at the John F. Kennedy Center for the Performing Arts in Washington D.C.
He wrote his first short film in 2000, "Sincerely Yours", with the help of Ann Reilly, who was also the director. It was followed by another short film, "Free Wheelin'", while in 2001 he wrote the screenplay for the television sci-fi movie "Area 52", directed by Adam Turner.
Adam's first comedy-writing job was the TV series "Still Standing" (2002-2006), and he also served as the co-producer of the series.
He continued to work as a writer for television and film, and together with Picture Machine, Trigger Street Productions, and his college friend Kyle Newman, wrote the screenplay for the comedy crime film "Fanboys".
"Fanboys" became a huge success, and was followed by another successful film, "Aliens in the Attic", a collaboration with Mark Burton, and starred Ashley Tisdale, Robert Hoffman, and Carter Jenkins.
After his early success, Adam became acquainted with Adam Sandler's production company Happy Madison, through which he met Seth Gordon, with whom he went on to develop the TV series "Breaking In" (2011-2012).
He then got a pilot commitment to shoot an autobiographical show about his own family under the working title "How the F— Am I Normal?". ABC eventually picked up the show, but the title was changed to "The Goldbergs", which became his most famous creation, and from 2013 to 2020, he produced over 200 episodes of the award-winning series, which starred Wendi McLendon-Covey, Sean Giambrone, and Troy Gentile.
Meantime in 2013, he worked as a consulting producer on the TV series "Community" and as the executive producer on the TV series "Misdirected".
Many have recognized his talents, and between 2014 and 2017, Adam worked on a number of projects as a producer, which included the documentaries "The King of Arcades", "Mudbloods", and "Finders Keepers", then the award-winning fantasy action-adventure film "Mythica: A Quest for Heroes", the action-adventure "Dragon Warriors", and the TV series "Imaginary Mary".
In 2019, his TV series "The Goldbergs" spawned a spin-off series entitled "Schooled", for which Adam served as the producer and writer. Since both series are autobiographical, Adam is portrayed by Sean Giambrone.
Adam has won a couple of awards for his work, including the Honorary Award by CinEuphoria for "The Goldbergs".
As of mid- 2022, Adam F. Goldberg's net worth has been estimated to be around $10 million, earned through his successful career in the entertainment industry, in which he has more than 50 credits as a producer and over 20 screenplay credits.
Personal Life, Married, Single, Wife, Children?
When it comes to his personal life, Adam doesn't like to talk much about it. However, according to sources, the renowned American screenwriter and producer is married to non-celebrity Sarah Hennelly Goldberg. She is a licensed therapist, and prefers to stay away from the spotlight.
The two met back in 1992 at a summer theater program at Northwestern University. They started dating almost immediately, and after a couple of years make their romance official.
The wedding ceremony details haven't been revealed to date, nor whether the couple has any children. The family resides in Los Angeles, California.
The prominent screenwriter and producer has black hair and brown eyes. He stands at a height of 6ft 2ins (1.9m), while he weighs approximately 187lbs (85kgs). His vital statistics are currently unknown, though he has an average figure.
Adam has a hobby that many have made fun of – he likes to collect toys and action figures.
He has an avid collection of rare toys in mint condition, with his favorites being G.I. Joe and He-Man figurines. He's said that even though he is a grown-up, Adam refuses to act as such when it comes to toys. Moreover, he is a massive fan of the popular board game "Dungeons & Dragons", and has made a documentary about the particular game.
In 2020 he teamed up with Uncle Louie, an American talent manager, music producer and actor, to launch challenge coins, which honored famous Garbage Pail Kids, including Weid Wendi, Nasty Nick, and Wrapping Ruth. The coins were licensed by Topp, and sold very quickly.
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Legacy Awards
Successful Farming/Loren Kruse Outstanding Leader
Iowa 4-H Hall of Fame
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Iowa 4-H Hall of Fame Inductees
2004 Webster County - Judy Reynolds
2004 West Pottawattamie County - Clifford Johnson | Main Page | 2004 Wayne County - Linda and Burton Prunty
Iowa 4-H, Hall of Fame, Judy Reynolds, Webster County, 2004
Judy was raised in a small town in Iowa where there were no 4-H clubs. However, she had several country friends who were 4-H members and she enjoyed watching them work on and display their exhibits at the county fair. When she started working with Extension she felt she had a small idea of what 4-H was all about. She was surprised to find that the 4-H program had grown into an organization offering much more in learning experiences and a full range of project areas for both girls and boys.
Through her work with Extension, she watched several generations of young people come in frightened to do things at first but grow into confident and talented 4-Hers. Judy felt that she grew along with them. She enjoyed helping them by making copies for recordbooks; running recipes or instructions for demonstrations; trying to help locate sources of information for various projects, etc. The 4-Hers always seemed to be eager to learn.
The Webster County 4-H Program lost a valued friend when Judy Reynolds retired as Office Manager of the ISU/Webster County Extension Office after 31 years of service. During those years, Judy supported the 4-H members, their families, the volunteer leaders, and the 4-H Staff in many ways. Judy treated all who contacted extension with equal respect, no question was a silly one, nor was she ever too busy to take time to help someone.
Judy Reynolds truly cared about the families in Webster County. She received the Webster County Honorary 4-H'er Award in 1979.
03/31/2011 10:39 AM | Add a comment
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Bal Sakha with its vast experiences and expertise in dealing with legal cases realized that the plight of the children in Bihar is pathetic and even worse in the case of children in conflict with law.. During this data compilation process they came up with the facts that out of 962 children in the age group of 6-18 years 511 children are in school in nearby Primary schools or small non-recognized Private schools. It indicates that nearly 39% children are out of school, which are mostly working in the villages or migrated to some other cities with their community people in search of jobs. BAL SAKHA is closely working with the 10 schools in the operational villages. In this year, they have identified 108 child labour in these villages. BAL SAKHA since last two years is also working in 2 Bhagalpur urban slums. The basic objectives of this direct intervention is to experiment the child protection mechanism model in the village level as well also support the advocacy intervention in the state with the evidences. The operational slum of Bhagalpur is basically habitat of the people who migrated from the rural areas or directly impacted by the Bhagalpur riot. At present they are reaching out to 194 families in 2 slums mostly dominated by the Mushar community.
To enhance the standard of the Govt. institutions meant for the juvenile and mainstreaming of the children into the community.
To do advocacy with the Govt to activate the CWC,JJB and other apparatus of the JJ systems in the state.
To enhance the capacity of the personnel engaged in the JJ systems like CWC/JJB members, Police, SJPU members etc.
To provide the information on governmental and non-governmental schemes in the community and preparing them for accessibility .
To develop community based mechanism for protection of the child rights with special focus to child protection issues.
BAL SAKHA was conceptualized with single driven agenda i.e intervention to address the child protection issues in the state in post 1984 period when Sanat Kr Sinha (a Social work Student) completed his assignment in Bihar. Since then, the organization had put his keen effort only on this issue and to do that engaged the different tier of stakeholders in the society. Overall, the organization went with threefold objectives in its mind one is creating community owned child protection mechanism to reach out the victim children and protection of the violation, second one is making children protection issues in larger ambit of the Child rights issues as an agenda in the public domain and last one is reform in the govt(judiciary, bureaucracy and legislature) systems for the best interest of the child.
24 out of 451 drop-out children from Patna and 17 out of 49 drop-out children aged 6 – 18 yrs from Bhagalpur got enrolled in schools.
11 out of 108 identified child labour cases as well as 53 never-enrolled children were enrolled into schools.
1 case of sexual abuse was identified and acted upon.
2 out of 13 underage child marriage cases were delayed.
In Patna 7 new Child Protection Centres (CPCs) opened with the help of community.
Because of Bal Sakha's advocacy, 17 members committee was formed in district level to monitor the JJ implementation as per the order of SC and High court direction.
Due to constant advocacy and awareness through Information, education and communication material that numerous police stations in Bihar constantly asked questions and posted queries to Child Right Centre for the knowledge and application of the Juvenile Justice Act, 2011 in their cases.
Government started conducting Training Programs for the Members of Juvenile Justice Board & Child Welfare Committee.
To identify out of school, child labor, migrated child labor in the community.
To put effort to re-enroll them in the school after removing from work force .
To ensure access of all 6-14 years children of school.
To keep monitoring in the school to protect children from any kind of abuse, punishment .
To create awareness on the importance of education and confidence among the parents and community .
To create awareness in the community regarding the ill effects of child marriage .
To empower the CHILDREN GROUP members .
To track children in the age group of 6-18 years to protect them from trafficking .
Activation of the Govt institution and Advocacy with the relevant stakeholder.


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El OS 35 era un buque granelero que tuvo una colisión en la Bahía de Algeciras el 29 de agosto de 2022, y que a continuación, tras ser remolcado, encalló y quedó inmovilizado en aguas de Gibraltar, cerca de la vertiente este del Peñón.

Naufragio
El OS 35 colisionó con un buque metanero la noche del 29, pero el otro barco no sufrió daños mayores. La gestión del incidente quedó en manos de las autoridades portuarias de Gibraltar, que decidieron remolcar al granelero. Tras la inmovilización del buque, la tripulación siguió trabajando en el mismo por dos días, principalmente para vaciar ordenadadamente las 215 toneladas de fuel-oil pesado, 250 de gasóleo y 27 de aceite lubricante que transportaba. Parte de ese contenido, sin embargo, se fugó al mar. Los tripulantes y los agentes del puerto que estuvieron en el barco fueron evacuados finalmente sin problema.

Igualmente, la flotabilidad del barco se perdió y se asentó sobre el lecho marino, pero sin quedar sumergido del todo y sin escorarse. Gibraltar organizó un cerco protector alrededor para evitar más fugas, y se anunció un plan de recuperación para 2023.

En febrero de 2023, tras unos días tormentosos, se comprobó que el barco había sufrido daños.

Referencias

Enlaces externos

Naufragios en el mar Mediterráneo
Incidentes marítimos en 2022
Gibraltar en 2022
Gibraltar en 2023

redpajama_set_name: RedPajamaWikipedia


Can You Afford To Build A Hexayurt?
We get lots of calls from prospective yurt builders who want to know how much it is going to cost to build a hexayurt.
While we know the cost, per roll, for bifilament tape, there are so many different styles and sizes of hexayurts that nailing down a cost is really not possible for us to do.
This document breaks down the cost for building a hexayurt, but it fails to specify the yurt size.
Anyway, the cost for building whatever size yurt this is comes out to $275.58.


Chinese model Liu Wen attends the "Amour" premiere during the 65th Annual Cannes Film Festival at Palais des Festivals on May 20, 2012 in Cannes, France.
Liu Wen added an extra dose of glamour with a pair of gemstone drop earrings.
Liu Wen swept her hair back into a loose side chignon for the 'Amour' Cannes premiere.
Liu Wen accentuated her oriental beauty with cat-eye makeup.


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Sermon Quotes | "He Saved Us"
April 2, 2018 by C.J. Mahaney
C.J. Mahaney, Sunday Sermon, Easter, Quotes, Titus
"The passage speaks of God's actions, not the believers…people are the recipients." Bill Mounce
"While humanity languished in depravity, God took the initiative in salvation…The thought here is that of a sovereign Lord who makes an act of unprompted and undeserved favor to his subjects and does so in a personal appearance." Andreas Kostenberger
"Justification means that God declares us righteous through the sin-bearing death of his Son; regeneration means that he makes us righteous through the indwelling power of his Spirit. So we must never confuse justification and regeneration, our new status and our new birth. For God always does both together. He never justifies people without at the same time regenerating them, and he never regenerates them without justifying them. The work of Christ in justification and the work of the Spirit in regeneration are simultaneous." John Stott
"That justification-by which we mean God's forgiveness of the past together with his acceptance of the future-is the primary and fundamental blessing of the gospel is not in question. Justification is the primary blessing, because it meets our primary spiritual need. We all stand by nature under God's judgment; his law condemns us; guilt gnaws at us, making us restless, miserable, and in our lucid moments afraid; we have no peace in ourselves because we have no peace with our Maker. So we need the forgiveness of our sins, and assurance of a restored relationship with God, more than we need anything else in the world; and this the gospel offers us before it offer us anything else." J.I. Packer
"Justification is an act. It's not a work, or a series of acts. It's not progressive. The weakest believer and the strongest saint are alike equally justified. Justification admits no degrees. A man is either wholly justified or wholly condemned in the sight of God." William Plummer
"It is not enough to affirm that the grace of God that brings salvation has appeared to all men (2:11); we must be able to say that he saved us (3:5), even he saved me." John Stott
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Medical Guide: Arthritis Center of Orlando
by Lyndsay Fogarty October 1, 2020, 9:45 am 1.9k Views
Success is a journey, not a destination. This is a motto that Dr. Nimesh Dayal has lived by throughout his career. His journey began at University of Witwatersrand in Johannesburg, South Africa where he earned his undergraduate degree. From there, he earned his MRCP from the Royal College of Physicians in England and his Masters in Clinical Investigation from Northwestern University.
Dr. Dayal completed his residency at the Reading Hospital and Medical Center in West Reading, Pennsylvania. It was there that he met his mentor, his Program Director, Dr. David George. "He was the ultimate professional, yet most compassionate of rheumatologist," explained Dr. Dayal. He brings that same compassion to all of his patients at the Arthritis Center of Orlando.
Specializing in Internal Medicine with a subspecialty in Rheumatology, Dr. Dayal began practicing in Central Florida in 2013. Arthritis Orlando is committed to providing superior, state-of-the art medical treatment in a safe and caring environment. They offer a comprehensive rheumatological evaluation for patients with various forms of arthritis and connective tissue disease.
Rheumatoid arthritis remains one of the most common types of autoimmune arthritis which is triggered by a faulty immune system. Early treatment can control the pain and lessen the joint damage. This prevents long-term disability and allows the patient to maintain an active life. Dr. Dayal performs intravenous infusions of chemotherapeutic drugs to help treat the various types of arthritis and to prevent joint damage and disease progression. These drugs assist in blocking the chemicals that cause the inflammation.
Dr. Dayal also has interest in performing clinical studies of various investigational drugs for treatment of inflammatory arthritis. He has published in peer-reviewed journals and presented at national meetings.
Dr. Dayal also performs joint aspiration, joint injections, and ultrasound examinations of the peripheral joints and assists patients in exploring non-surgical treatment options for certain conditions. He is board certified in both internal medicine and rheumatology and is a member of the American College of Rheumatology — an organization that advances rheumatology through education, research, and advocacy.
Office hours range from 8:00am-5:00pm Monday through Thursday and 8:00am-12:00pm on Friday. Arthritis Orlando accepts all major insurance providers.
Nimesh A Dayal, MD, MRCP, MSc
1550 Citrus Medical Court
ArthritisOrlando.com
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Wilhelm Rogge ist der Name folgender Personen:

* Wilhelm Rogge (Generalsuperintendent) (1839–1894), deutscher evangelischer Theologe und Generalsuperintendent
 Wilhelm Rogge (Generalleutnant) (1856–1925), preußischer Generalleutnant

Siehe auch:
 Wilhelm Rögge


Pope Francis has endeared many of us, and confused the rest of us. I fall into both camps! I love how personable he is, however I understand that I don't understand a lot of things about him. To me, that's okay. I wasn't meant to understand completely every person, and I'm sure many of his writings will make more sense to me as I pray about it, and as time passes.
He talks about so many things when he addressed Congress on September 24th. I would love to share one of them with you now.
– for opportunities, offer opportunities.
#GoldenRule pretty basic? Then why do we keep forgetting it?
Pretty basic and simple stuff right? Then how come we fail miserably at it sometimes? So many of us wish and long for our loved ones to feel secure in their jobs, to know that they have a future in a livelihood and it's steady. But these days, we know full well that we're not living in the past.
Security of employment is out the door. Employees have no loyalty their employers, and employers have no loyalty their employees. Both are looking out for the next best thing to come a long.
We all want security, but are we willing to give it to others?
The same thing goes for life. We want "life, liberty, and persist of happiness," but in the meantime we are snuffing out the very life that never had a chance.
The yardstick we use for others will be the yardstick which time will use for us.
Yup, a wonderful reminder indeed!
Well how many out there dismissed her because of her earlier lifestyle and her remarriage? How many of us judge her a hypocrite because of the way she used to live before she found the Gospels? How many of us out there called her names just because she stood up for what she believed in?
Now, how many of us are willing to do the same thing? Even at the threat of jail or death?
We are so good at being backseat drivers, or quarterbacks, but in the past few weeks, I had to step back and look at her resolve during attacks, poked fun of, and even laughed at. I have to ask myself: "Am I as strong enough to endure this type of trial?" This is a question all have to ask ourselves.
Pope Francis' speech leaves us with many things to think about. Things that we have to work on as a nation that is wealthy but doesn't do a great job for providing for those who are poor. We profess liberty, but we don't practice it completely. Finally, we all want a livelihood, but by our actions as a nation we are denying others theirs.
Let us pray and hope that as a nation we can straighten things out.
Did Pope Francis say anything that inspired you, or made you think?
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I got this done by Ian Camp during a Friday the 13th tattoo special ($13 tattoos + lucky $7 tip) in Syracuse, NY. I got it because of the song "Bulletproof" by La Roux and also because of my best friend Sarah. She got one as well, but behind her ear. We always say we're bulletproof and nothing can stop us.


A record 15.77 lakh public grievances were received by the government in 2018 of which 95 per cent were disposed, according to an official statement issued Tuesday.
The highest disposal of public grievances was achieved in the departments of Financial Services, Health and Family Welfare, Posts, Telecommunications, Railways and Home Affairs.
Not only were disposal percentages in departments/ministries in excess of 90 per cent but the disposal time was less than the prescribed 60 days and effective communication was being sent to the citizen in this regard, the Ministry of Personnel, Public Grievances and Pensions said.
The monitoring of grievances is being undertaken in government in 21 major categories under three major heads: grievance arising out of abuse of office/corruption on the part of public functionaries; grievances arising out of systemic deficiencies within an organisation and the grievances arising from non-fulfilment of needs/demands.
Departments have undertaken several corrective measures for simplifying processes for reducing public grievances.
Some of the notable reforms introduced are automatic refunds on cancellation of railway tickets, single window pension through disbursing banks, intensive mechanized cleaning of coaches, e-verification of Income Tax returns, expeditious Income Tax returns upto Rs 50,000 and simplification in passport verification processes.
An important step in this direction is the timely updation of citizens charters which represent effective tools for holding public servants accountable and improving service delivery.
Government launched an award scheme as an incentive for recognising outstanding performance in redress of public grievances on quarterly basis through issue of certificate of appreciation.
In 2018, Government awarded nine departments for timely disposal of public grievances, the statement said, adding that the objective is improved citizen centric governance through effective and speedy redress of public grievances.


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Catena Media expands horse racing content with Spotlight Sports Group's Superfeed
Catena Media will integrate Spotlight Sports Group's Superfeed engine into its horse racing-focused websites after the two companies agreed a new partnership.
Under the terms of the deal, CatenaMedia's GG.co.uk and racingtips.com will benefit from the full international offering of data and content from more than 60,000 races annually, made available via the Superfeed engine.
Daniel Smith, Spotlight Sports Group's Account Director, said: "This new partnership is very exciting as our Superfeed product will help Catena Media continue to be an industry leader in sports betting in a multitude of markets and across a variety of sports.
"Our Superfeed product is proven to drive additional turnover as we deliver unbiased expert insight to support customers betting decisions."
Isabel Hale, Catena Media's Head of North Division International, added: "We chose Spotlight Sports Group as we know the quality, depth and breadth of their content and data is the best around and will benefit our brands with their insightful betting analysis.
"We believe that the innovative Superfeed content engine will allow us to best serve our consumers with the information they need to make betting decisions."
Currently, the Superfeed engine is available in more than 80 languages. Catena Media believes that this new range of content will help the company to expand its international reach even further.
Catena Media's Head of Product, Craig Harman, said: "The support from Spotlight Sports Group's development team has been fantastic and has made ingesting data a pain-free process. This seamless integration has us extremely excited about the partnership.
"This integration will allow us the opportunity to access the full range of content and analysis that Superfeed has to offer on an international scale."
Source: https://sbcnews.co.uk/
Russian oligarchs on the sanctions list failed to report their UK properties
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Europe's new AML Authority (AMLA) is expected to obtain full legal status by the end of the year.
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Most non-collision auto accidents are caused by vehicle rollovers. Unfortunately, there are a number of rollover wrecks that happen in Birmingham and surrounding areas each year. A rollover occurs when the vehicle makes at least one complete turn over during the collision event. Tragically, rollover crashes often result in death or catastrophic injuries to the occupants. The Birmingham car accident attorneys at Cross & Smith represent victims of rollover crashes.
Rollovers typically occur either on the roadway surface or off-road, often on a shoulder, median or similar terrain. Vehicle stability plays a major role in whether vehicles rollover in an accident scenario. Historically, SUVs and light pick-up trucks have tended to rollover much more frequently than passenger cars and larger trucks. However, with increasing public scrutiny and reforms by the National Highway Traffic Safety Administration (NHTSA), both types of vehicles have become safer.
Brain damage and spinal cord injury are the most common cause of serious or fatal injuries in rollover accidents. These injuries often occur from ejection from the vehicle during the rollover event or from penetration by the roof into the passenger's compartment. With the advent of SUVs in the 1990s, and before modifications were made to increase the stability of these popular vehicles, "roof crush" was a major cause of catastrophic injuries or death in many rollover accidents, particularly where the occupants were using safety restraint systems. In recent years, manufacturers have made changes to the design of SUVs so that they are increasingly more stable and the structural integrity of roofs is slowly improving as well. In fact, the Insurance Institute for Highway Safety (IIHS) now tests and rates the roofs on many vehicles for safety. The results are published online at the IIHS website. Studies have shown that seatbelt use coupled with a "roll bar", such as found on the Jeep Wrangler, would greatly reduce injuries and deaths from rollover accidents. Unfortunately, roll bars have yet to become standard in all SUVs.
Despite improvements made in recent years, rollover accidents due to vehicle instability continues to occur much too often in Birmingham as well as other parts of Alabama and the entire country. A vehicle's instability is often related directly to the vehicle's center of gravity and its correlation to the width of the wheel base and height of the center of gravity above ground. SUVs with a narrow wheel base, coupled with a high center of gravity, tend to be less stable and more prone to rollover.
Rollovers off-road typically happen when the vehicle slides and/or skids off the roadway surface. Drivers often panic and over steer in an effort to correct the unintended maneuver and return the vehicle to the roadway. Pre-rollover speed is often a primary factor in whether the auto accident will involve multiple rollovers. The higher the pre-rollover speed the more likely multiple rollovers will occur. Obviously, more than one rollover substantially increases the risk of significant or fatal injuries to the occupants.
If you, or someone close to you, have been involved in a rollover accident, consider contacting the Birmingham car accident attorneys at Cross & Smith. Our lawyers and staff have the experience necessary to investigate and evaluate your rollover wreck. Please call us at (877) 791-0618 for a free consultation or contact us online.


Freda banana is a unique sunglasses brand based in London that was created in New York in 2014. What started as a creative passion project for Co-Founder and Creative Director Alexia Jane Hebet, quickly became a recognised brand on both sides of the Atlantic. The main inspiration for the shades came from Jane's and her business partner's trip to Burning Man. One of the "Ten Commandments" of the desert festival is 'radical self expression'. Freda Banana captures that ethos very well, as all the sunglasses have a one of a kind design and are hand made by the creator herself... you will always be in the spotlight with your colourful Freda Bananas on. Each frame is handmade in Greece and embellished in Notting Hill. It takes between 30 - 120 mins to create a pair, depending on the complexity of the design. The pearls are meticulously glued on, literally one by one, in the brand's atelier in Notting Hill, London.
Freda Banana provides unisex sunglasses, which are produced in Greece using the finest Italian raw materials. Each pair is delicately hand made with much attention to detail and elegance to create the unique Freda Banana look. The sunglasses have each passed 43 quality control stages and have undergone 6 different polishing methods to ensure that they reach the highest level of quality.
We have no doubt that you will be satisfied with your unique pair of Freda Banana sunglasses and will want to wear them wherever you go however, considering that each pair of Freda Banana embellished sunglasses is delicately hand made we also understand that they can be fragile.
For this reason we offer an after-care service in which we will repair damages and have them delivered back to you. Please see our return policy page for more information.


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Repro Rights Report
Proactive Abortion Rights Legislation, January-March 2018
This report focuses on proactive policy, that is, legislation to expand abortion rights in states and localities.
Roe v. Wade resolutions and bills
California's Senate and Assembly adopted SR 72 and HR 68, both of which acknowledge the anniversary of Roe v. Wade. A California assemblywoman also introduced HR 71, which recognizes Roe and the need for reproductive rights without restrictions. A Missouri representative introduced HB 1772, which would codify the right to abortion from the Roe decision into state law. A Vermont Senator has introduced SB 268, which also codifies the Roe decision, affirming the right to abortion in state law. Rhode Island legislators introduced SB 2163 and HB 7340, both of which would prohibit the state from interfering with any individual's reproductive health care choices, including the decision to get an abortion.
Insurance coverage for reproductive health services
Hawaiian legislators have introduced HB 2127 and SB 2341, both of which provide for contraception and abortion insurance coverage. A Hawaii representative has also introduced HB 1573 which would provide for contraception and abortion coverage as well as a wide variety of other preventative services for reproductive health. Indiana legislators have introduced SB 151 and HB 1183, both of which provide for contraceptive insurance coverage. A Mississippi representative introduced HB 874 which provides for contraceptive insurance coverage. Missouri representatives have introduced HB 1950, HB 2084, and HB 2086, all of which provide for insurance coverage of contraception or abortion. Washington's Senate passed SB 6102 which prohibit employers from denying insurance coverage for contraception based on personal beliefs. A companion bill was introduced in the Washington House in the form of HB 2908. Washington legislators also introduced SB 6105 and HB 2909, which would provide coverage for contraception and other types of preventative reproductive healthcare. An Idaho Senator has introduced SB 1281, which would provide for 12 month contraceptive coverage. An Illinois representative introduced HB 5747, which would allow pharmacists to prescribe contraception. Kansas legislators have introduced HB 2679 and SB 417, both of which would expand insurance coverage for contraception. A California senator introduced SB 1023, which allows for coverage of reproductive health care services that are provided through telemedicine. Michigan legislators have introduced SB 833 and HB 5611, both of which require employers to share information on reproductive healthcare coverage with employees. The New Jersey legislature passed, and the governor signed, SB 120 which restores state funding to family planning services and women's healthcare facilities. The New Jersey governor also signed SB 105, which expands Medicaid coverage of family planning for low income individuals in the state. Washington's legislature passed, and the Governor signed, SB 6219 which will provide for contraceptive and abortion coverage in the state.
Preventing fraud by crisis pregnancy centers
A Hawaiian representative has introduced HB 663 which would create transparency and disclosure requirements for crisis pregnancy centers around what reproductive services they actually provide. Missouri legislators introduced SB 670 and HB 1853, both of which require crisis pregnancy centers to provide medically accurate information on all reproductive health options. A Missouri legislator introduced HB 2298, which would prevent crisis pregnancy centers from spreading inaccurate information about abortion, as well as only allowing licensed medical staff to provide healthcare services. A Connecticut House Committee has introduced HB 5416, which would prohibit crisis pregnancy centers from engaging in deceptive advertising practices regarding the services they provide. An Arizona senator introduced SB 1360, which requires that ultrasounds provided at crisis pregnancy centers be performed only by licensed health care providers.
Clinic and patient protection
A Florida Senator introduced SB 320 which provides protections for reproductive health services clients, providers and assistants as well as safe access to reproductive healthcare facilities and clinics. The first committee in the Massachusetts Senate passed SB 591, which protects access to confidential healthcare information. The St. Louis Board of Alderman are on track to pass a board bill that will establish an 8-foot zone around the driveways to reproductive health clinics, to protect patients' rights to access healthcare free of harassment and interference.
Prevent discrimination
The first committee in the Hawaii House passed HB 2018, which would prohibit employer discrimination based on reproductive healthcare decisions. A Missouri representative introduced HB 2173, which would also prohibit employer discrimination based on reproductive healthcare decisions. Michigan representatives introduced HB 5612 and SB 831, both of which require pharmacies to fill contraceptive prescriptions without delay or bias. The New York Assembly passed AB 566, which prohibits employers from discriminating against employees based on their reproductive health decisions.
California's Senate passed SB 320 which requires each public university's health center to offer medication abortion services. A Maine representative has introduced HB 1217 which would allow for advanced practice clinicians, such as physician assistants and advanced practice registered nurses to perform abortions. A Missouri representative introduced HB 1773, which would also allow for advanced practice clinicians to perform abortions. The New York Assembly passed AB 1748, which amends state law to allow for abortions to be performed up to 24 weeks. A New York assemblyman introduced SB 7366, which would require medical residency training to include training on providing abortion care.
Contraception Access
The Hawaii House passed HB 1950, which would allow pharmacists to prescribe contraception. Missouri representatives have introduced HB 1312 and HB 1498, both of which allow for pharmacists to prescribe contraception. A Missouri representative introduced HB 1338 which requires hospital emergency rooms to provide emergency contraception for sexual assault survivors. A Missouri representative introduced HB 2236, which establishes women's right to fill contraceptive prescriptions or purchase emergency contraception without delay or harassment. Representatives in Arizona and Iowa introduced HB 2640 and SB 2220, both of which would require health facilities to provide emergency contraception for sexual assault survivors. The first committee in the Connecticut House passed HB 5210, which expands coverage of contraceptives. The District of Columbia's City Council passed, and the Mayor signed, an act allowing pharmacists to prescribe contraceptives. Maryland legislators have introduced HB 1111 and SB 969, both of which would increase access to emergency contraception and contraceptive counseling on college campuses in the state. The first committee in the Massachusetts House passed HB 1214 and the New Hampshire House passed HB 1822, both of which would allow pharmacists to prescribe contraception. Michigan legislators have introduced HB 5614 and SB 834, both of which would require health facilities to provide emergency contraception for sexual assault survivors. Minnesota legislators have introduced SB 3101 and HB 3453, both of which expand coverage of contraceptives. The New York Assembly passed AB 9957, which requires comprehensive contraception coverage from health insurance policies. The Tennessee House and Senate have passed HB 1320, which creates a program intended to increase access to long acting reversible contraceptive options for women in the state. The Utah governor signed SB 184, which allows pharmacists to prescribe contraceptives.
A Kentucky representative has introduced HB 234, which satirizes government restrictions on reproductive health choices by requiring all medical and nursing schools to refer individuals who are requesting advice or health care services to their state representative or state senator.
Abortion is Healthcare Resolution
A Missouri representative introduced HCR 65, which recognizes that abortion is an essential part of women's healthcare.
* This report does not include either anti-abortion legislation that progressives seek to defeat or strictly "repealer" bills that would reverse previously enacted anti-abortion legislation, subjects that are fully addressed elsewhere.
Abortion rights victories in late 2022
The many unknowns now that Roe is overturned
Proactive abortion rights victories in 2022
Where abortion will be illegal if Roe is overturned
New Jersey passes bill to guarantee the right to abortion
Abortion Rights Enacted in 2021
How to talk about abortion rights
Abortion Rights Bills as of July 15
Abortions denied with COVID as the excuse
Abortion Rights Bills as of March 11


MS Office or Microsoft Office. It is a desktop productivity application. Here, we are showing you some of the best MS Office online courses. Concept of Microsoft Office, new features of excel 2016, how to create a workbook, how the quick access toolbar is useful, in workbook how to edit the data, flash fill, about some skills which are used in microsoft office, on excel 2016 worksheet how to rename the files, how to design the stay consistent by using styles, how to filter the data, powerpoint 2016 new features, on powerpoint slides how to design the text, for the non-text format how to add the charts and tables, how to use navigation tool, shortcuts about MS office, how to design the fillable user forms, how to compare the two document, by using keyboard shortcuts how to save the time, microsoft windows, microsoft office bootcamp, productivity tools of microsoft office and etc. all this concepts will covered in below courses. We are seeing many online courses in the world. From all the courses, our expert selected some of the best MS Office online courses for you and those are shown below.
Simon Sez IT is a e learning coaching center and also an instructor on Udemy. They developed 5,000 video tutorials which are related to software programs. They will teach about how to develop new softwares and also about new technologies. In this course they will teach you about microsoft office 2016. 6K+ students enrolled their names to learn this course. You will learn about new features of excel 2016 and also about how to create a workbook. They will teach you about how the quick access toolbar is useful and you will also learn about in workbook how to edit the data. You will learn about flash fill and also about how to use it. They will teach you about on excel 2016 worksheet how to rename the files and also about how to filter the data. You will learn about in powerpoint 2016, how to develop the new features. They will also teach you about on powerpoint slides how to design the text and you will also learn about for the non-text format how to add the charts and tables.
They will also give you some tips about the presentation and you will also learn about by using watermarks how to design the page.
You will learn about how to design the mail merge and also about how to check the documents.
They will teach you about how to design the tables and also about how to edit the tables.
You will learn about how to design the document and also about how to design the excel hotkeys.
They will teach you about how to design the popular functions and also about how to use them.
It is having 25 articles, 13 downloadable resources, 61.5 hours on demand videos and it is also having full lifetime access.
David Millard is a microsoft trainer and also an instructor on Udemy. He is also a good photographer and he will published his images appearing in Australia and USA. in 2009, he graduated his Microsoft Certified Trainer and he also graduated his Software Engineering and etc. he is also the author for some books and those books will be available in Amazon. He will teach about visio, open-source software and etc. in this course he will teach you about microsoft office. 900+ students enrolled their names to learn this course. He will also teach you about some skills which are used in microsoft office. If you know basics of microsoft office 2013 then this course is very easy to learn. This course is very useful for your career.
You will learn about in workplace how to use the microsoft office and you will also learn about powerpoint.
He will teach you about how to get the job satisfaction by doing more practice.
You will also learn about excel and also about outlook.
It is having 36 downloadable resources, 3.5 hours on demand videos, full lifetime access and it is also having 3 articles.
IsaBel is an microsoft IT professional and also an instructor on Udemy. She is an author for several ebooks and she is also having 19 years experience on teaching. She is a developer, ethical hacker and etc. in this course she will teach you about microsoft office and also about access productivity bundle. You will learn about excel and also about word. 5K+ peoples register their names to learn this course. She will also give you some tips about how to use microsoft office. You will learn about how to use navigation tool and she will also teach you some shortcuts about MS office. You will learn about how to design the stay consistent by using styles. She will teach you about, to gather the more information how to design the fillable user forms. You will learn about how to compare the two document and also about by using keyboard shortcuts how to save the time. She will also give you some some tips about excel microsoft word.
You will learn about by using excel built form tool how to design the data entry form and you will also learn about in your data list how to sort the data.
She will teach you about how to design the pivotcharts and also about how to protect your excel workbooks.
You will learn about how to set the field validations and also about how to design the parameter queries.
She will teach you about concept of database maintenance tools and also about how to create simple macros.
You will learn about by using keyboard shortcuts how to select the text very quickly and also about how to design the cascading combo boxes.
It is having full lifetime access, 11.5 hours on demand videos, 136 downloadable resources and it is also having 49 articles.
Christopher Boykin and Alex Mozes are the instructors on Udemy. Boykin is also a software expert and he is also expert in photoshop, MS word, Indesign and etc. from 1997, he is teaching about the software applications. From the San Francisco State University, he graduated his B.A. in organizational communications and from Golden Gate University he graduated his masters in public administration. Alex is also a instructor on liaison and from 2012, he started teaching on Udemy. In this course they will teach you about microsoft office shortcuts and they will also give you some tips to learn this course very easily and fast. 2K+ students enrolled their names to learn this course. You will also learn about microsoft windows and also about word. They will also teach you about powerpoint. If you know basics of microsoft office then this course is very easy to learn.
You will learn about without using mouse how to select the files and also about how to edit the files.
He will teach you about by using more factors how to increase your productivity.
You will also learn about how to convert the intentions into digital files.
He will also teach you about how to build your own presentations for your projects and also about how to build your own spreadsheets.
It is having full lifetime access and also having 1 hour on demand videos.
Gaurav Chauhan is an Udemy instructor and also an IT professional. He is having 15 years experience in IT domains and he is also expert in project manager, system administrator and etc. with his name he is having software patents and he will teach his students with cloud based and also based on analytics domain. In this course he will teach you about microsoft office bootcamp. 100+ students enrolled their names to learn this course. You will also learn about productivity tools of microsoft office. To learn this course no need of any previous knowledge and no need of any previous experience. He will also provide you ebook which is related to this course.
In this course you will learn about microsoft powerpoint 2013.
You will also learn about access 2013 and also about outlook 2013.
He will also teach you about excel 2013.
It is having 18.5 hours on demand videos and also having full lifetime access.
MS Office is used for the businesses and it is the productor of Microsoft corporation. It is also consists of excel, access and etc. this course is very useful for your career. After completing the course they will also provide you certificate with your name. If you think this article is more helpful for you then please share it with your friends. We want to know your thoughts in below comments.


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Contact customer care / customer service for more details, or simply select from these popular models and mark your purchase order "Quick Ship", the dedicated, customer care teams will take care of the rest to handle the logistics to ship within 48 hours* of receiving your order.
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text:
The American Society of Pension Professionals & Actuaries (ASPPA) is a national organization for career retirement plan professionals. The membership consists of the many disciplines supporting retirement income management and benefits policy. ASPPA represents those who have made a career of retirement plan and pension policy work.

ASPPA was founded in 1966 originally as an actuarial organization. Since then ASPPA has expanded and diversified its membership to include all types of pension professionals — from actuaries, consultants, and administrators to insurance professionals, financial planners, accountants, attorneys, and human resource managers.

Exam-based Professional Credentials

ASPPA offers the following examination-based professional credentials:
Tax-Exempt & Governmental Plan Consultant (TGPC)
Qualified Plan Financial Consultant (QPFC)
Qualified 401(k) Administrator (QKA)
Qualified Pension Administrator (QPA)
Certified Pension Consultant (CPC)
Fellow, Society of Pension Actuaries (FSPA)

The examination requirements for the above certifications include proficiency in the following subject areas:
Retirement Plan Fundamentals
Plan Financial Consulting
Administration Issues of Defined contribution plans
Administration Issues of Defined benefit plans
Financial and Fiduciary Aspects of Qualified Pension Plans.

Conferences

ASPPA provides or co-sponsors more than 15 major conferences in the retirement plan industry throughout the year.

See also
Employee Retirement Income Security Act
Retirement plan
Retirement plans in the United States
Human resources
Human resource consulting
Enrolled Actuary

References

External links
Home Page for ASPPA
 ASPPA Newsroom

Actuarial associations
Professional associations based in the United States


text:
Starting Schools Is the Next Hot Thing in Silicon Valley
PK-12 School Models
WHICH SCHOOL WOULD YOU SEND YOUR KIDS TO? Ever since former Googler Max Ventilla started AltSchool and raised over $100 million from big investors, starting schools has become the latest cool obsession for many tech entrepreneurs. The latest effort comes courtesy of Mark Zuckerberg and Priscilla Chan, who are starting a private, tuition-free K-8 school called "The Primary School."
Described by the Facebook founder as "a new kind of school that brings education and healthcare together," the school, based in East Palo Alto, CA will serve students in low-income communities. Integrating education and health services is key to its vision. According to the San Jose Mercury News, each family "will have a health and education coach who will work with parents to set a growth plan for their children."
The school will launch in August 2016 with two toddler and one preschool class, and will add one grade level each following year up to eighth grade.
Further down the 101 freeway, a different kind of school is already underway. The Khan Lab School, named after Khan Academy's founder, costs $22,000 a year and doesn't come with health coaches—but offers students the freedom to design their learning experiences. Wired takes a long, meandering look at a school where "elementary students [talk] about things like 'rapid prototyping' and 'design thinking.'"


It is also Lutheran Women in Mission, the dba ("doing business as") name adopted by the Board of Directors in January 1998.
It is women who are finding avenues to use their God-given talents as they meet the challenge to share the Gospel message.
It is composed of individual women and women's groups within the congregations of The Lutheran Church-Missouri Synod, on campuses, in resident homes, or in other settings.
Individual membership is available to women in LCMS congregations with or without a society affiliated with the LWML. Women may have an interest in the mission and ministry of the LWML- and wish to be part of the organization-but cannot, for a variety of reasons, attend society meetings. Individual membership is designed for these women.
The LWML seeks to develop and maintain a greater mission throughout the world by means of mite box offerings. These mite box offerings have funded tens of millions of dollars in mission grants since the organization's inception in 1942.


Black. Its the one color you can wear for almost any occasion, any time of the day, and almost anywhere. Its one of my favorite colors to rock, especially during the summer. This throwback photo was taken in downtown Buffalo, NY right near Lafayette Square. The atmosphere of a busy, city vibe on a Saturday afternoon was just what I wanted for this shoot.
I like to take photos in 'real' settings that revolve around life in the city. I had a friend of mine ask me, "Why this background? Why not take the pic in front of a tree or something?!" Funny question! But I love to capture my style of fashion using the most urban and creative backgrounds. Whether its a brightly colored graffiti background, or an old, chipped painted wall – these are the places I feel most beautiful.
Remember, always create your own definition of beauty!


Follow Breitbart News for the latest media updates on the commuter train that crashed into a station in Hoboken, New Jersey.
Amid these photos and videos, read the latest wire updates on the crash, the investigation into its cause, and first responders' work to treat the wounded.
Hoboken Medical Center: 3 trauma patients, 8 others in ER, 40 described as "walking wounded."
The only person who died in the New Jersey train crash has been identified as a 34-year-old woman from Hoboken.
The state medical examiner's office said Thursday that the victim is Fabiola Bittar de Kroon. Gov. Chris Christie says she had been standing on the platform when the train came barreling in and she was struck by debris.
The New Jersey Transit train ran off the end of its track as it pulled into the Hoboken station during rush hour Thursday morning, smashing through a concrete-and-steel bumper.
Cries and screams could be heard in the wreckage as emergency workers rushed to reach commuters in the tangle of twisted metal and dangling wires.
More than 100 other people were injured. Christie says no one else is expected to die.
HOBOKEN, N.J. (AP) — A rush-hour commuter train crashed through a barrier at the busy Hoboken station and lurched across the waiting area Thursday morning, killing one person and injuring more than 100 others in a tangle of broken concrete, twisted metal and dangling wires.
People pulled chunks of concrete off pinned and bleeding victims, passengers kicked out windows and crawled to safety, and cries and screams could be heard in the wreckage at the station just across the Hudson River from New York City as emergency workers tried to reach trapped victims.
The New Jersey Transit train ran off the end of its track as it pulled into the station, smashing through a concrete-and-steel bumper. It apparently knocked out pillars as it ground to a halt in the covered waiting area, collapsing a section of the roof onto the first car.
The engineer was pulled from the badly mangled first car of the train and hospitalized in critical condition. He was cooperating with investigators, Gov. Chris Christie said.
A woman standing on the platform was killed by debris, and 108 others were injured, mostly on the train, Christie said. Seventy-four of them were hospitalized, some in serious condition, with injuries that included broken bones, bumps and gashes.
"The train came in at much too high rate of speed, and the question is: 'Why is that?'" Christie said. New York Gov. Andrew Cuomo said investigators will determine whether the explanation was an equipment failure, an incapacitated engineer, or something else.
The National Transportation Safety Board sent investigators. Among other things, they will want to know what the operator was doing before the crash and whether the person was distracted, said Bob Chipkevich, who formerly headed the NTSB train crash investigations section.
None of NJ Transit's trains are fully equipped with positive train control, a safety system designed to prevent accidents by automatically slowing or stopping trains that are going too fast. The industry is under government orders to install PTC, but the deadline has been repeatedly extended by regulators at the request of the railroads. The deadline is now the end of 2018.
But both Cuomo and Christie said that it is too soon to say whether such technology would have made a difference in this crash.
The train was not equipped with an inward-facing camera in the cab that could give a fuller picture of the operator's actions.
The Hoboken Terminal, which handles more than 50,000 train and bus riders daily, is the final stop for several train lines and a transfer point for many commuters on their way to New York City. Many take ferries or PATH commuter trains across the river to the city.
NJ Transit service was suspended in and out of Hoboken, all but assuring a difficult trip home for commuters. Christie said engineers were examining the station's structural integrity and it was too soon to say when it might reopen to NJ Transit trains.
William Blaine, an engineer for a company that runs freight trains, was inside the station when the train crashed and ran over to help. He walked over to the heavily damaged first car with a transit employee to check on the train's engineer and said he found him slumped over the controls.
The train had left Spring Valley, New York, at 7:23 a.m. and crashed at 8:45 a.m., authorities said. NJ Transit spokeswoman Jennifer Nelson said she didn't know how fast the train was going when it crashed through the barrier.
Jamie Weatherhead-Saul, who was standing at a door between the first and second cars, said the train didn't slow down as it entered the station. She said the impact hurled passengers against her. One woman got her leg caught between the doors before fellow riders managed to pull her up, Weatherhead-Saul said.
Michael Larson, an NJ Transit employee who was working in the terminal about 30 feet away, said he saw the train come in fast, go over the concrete-and-steel barrier called a bumper block, and lift up into the air, stopping only when it hit the wall of the station's indoor waiting area.
As the train hurtled into the depot amid concrete dust and dangling electrical wires, "I couldn't believe what I was seeing," he said.
Half the first car was destroyed, with some passengers crawling to try to escape, Larson said. He said he helped a few riders get out before emergency works arrived.
More than 100,000 people use NJ Transit trains to commute from New Jersey into New York City daily.
A crash at the same station on a PATH commuter train injured more than 30 people in 2011. The train crashed into bumpers at the end of the tracks on a Sunday morning.
The Hoboken Terminal was built in 1907 and is listed on the National Register of Historic Places.


Wake up to the waves, oceanfront vistas and breezes in this high-end penthouse condominium in South Jacksonville Beach. Less than 30 miles to the airport, 10 minutes to the Ponte Vedra Inn & Club, and less than 15 minutes to the esteemed Pablo Creek Club. This condo lives like a home with ample space for guests. Most unique is the over 1000 square feet of terraces that frame the ocean as well as the Jacksonville skyline. The exclusive Marbella building is gated with lobby staff, a club room, gym, pool and garage parking and plenty of space for guests. Only 22 units, two per floor, in the entire building with private coded elevator access.
Listing courtesy of Beachtown Realty, Llc.


text:
Things must be really bad…
November 17, 2015 November 17, 2015 The Right Slant
The following article appeared in The Hill, and after reading it, I couldn't help but think that the situation has to be pretty serious for the likes of Dianne Feinstein to openly disagree with President Obama…
By Jesse Byrnes – 11/16/15 04:45 PM EST
Sen. Dianne Feinstein (D-Calif.) said Monday that the Islamic State in Iraq and Syria (ISIS) isn't contained to its territory in the Middle East, presenting a sharp contrast with President Obama's remarks on his strategy to combat the group.
"I have never been more concerned," Feinstein said during an appearance on MSNBC's "Andrea Mitchell Reports," calling for additional U.S. troops on the ground to combat the militants.
"I read the intelligence faithfully. ISIL is not contained, ISIL is expanding," said Feinstein, a member of the Senate Intelligence Committee, using an alternate acronym for ISIS.
"They just put out a video saying it is their intent to attack this country," she added, referring to ISIS's warning it would target the U.S. and other countries carrying out airstrikes in Syria.
Obama maintained during remarks at the G-20 summit earlier Monday in Turkey that the U.S. remained committed to defeating ISIS, but said it would be a "mistake" to use troops on the ground.
The president's vow that ISIS had been geographically "contained" was broadcast hours before last Friday's terrorist attack in Paris that left 129 people dead and hundreds more injured.
Obama insisted Monday "there has been progress" against ISIS, while Feinstein cast doubt that airstrikes alone "can really make a difference" in the campaign to defeat the group in Iraq and Syria.
Categories: Current Topics, Personal Commentary	Tags: Syria
← A Little Backbone Please!
Let's Err on the side of Caution! →
One thought on "Things must be really bad…"
ISIS will be Obama's undoing. Even his own party is starting to see the error of his ways. Shame it took so many innocent lives to convince the liberals of what Republicans have been saying for years.