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TarotBlogHop: What I Learned On My Not-Summer Vacation

Altar in progress featuring a bit of my Readers Studio swag.

Altar in progress featuring a bit of my Readers Studio swag.
Altar in progress featuring a bit of my Readers Studio swag.

Joy has asked us to discuss our thoughts on education and beyond. So I went to the Readers Studio in NYC to get something to write about. Okay, not really, but the timing was excellent.

First, let me preface this with a caveat. No teacher knows it all. No student can learn it all. But all knowledge must be absorbed. Cool? It’s a koan by Arwen. And I am sure it is not a new one in this universe.

I recently read a post by someone who had paid a significant sum of money to a teacher he found on YouTube. Then he discovered that this teacher had one small problem.

Doesn’t seem like a problem, right? Student wanted to learn. Teacher wanted to teach. Well, unless you are a tabula rasa, you already have some knowledge. Some of that is going to bump up against what someone else says. You have to learn what is yours to absorb and what is theirs to keep. However, this teacher told the student that everything they knew was pretty much wrong because it didn’t agree with his list of what’s right in the world of Tarot. This, people, is NOT a teacher. Run from those. Do not give them your money. Tell us who they are!

Back to Readers Studio. We were treated to a Divination Day (I chat about that on my other post in this hop–keep hopping to find it.) Then we got two days of main stage presentations, study groups, rituals, incubators, and breakfast talks. Please understand that there is utterly no way to do it all. I did less this year than I did last year. I did NO study groups. I went to bed or chatted with friends. And there were some amazing study groups this year.

So what did I do? I absorbed the mainstage presenters brains. Muahahahah. Ethony Dawn kicked us off on Friday with her Tarot Muses (book coming but don’t rush her. I’m doing that. 😀 ) I went so deep with this presentation. She gave us a spread to work with each of her Muses. I also got a copy of her book Your Tarot Court: Read Any Deck With Confidence . This book is a good one. I love her work with the courts as noble allies. I also had the chance to spend time with The Cartomancer’s design goddess and assistant editor, Bean! BONUS.

Then Saturday hit. Remember that there were study groups Friday night so here we all are a bit bleary-eyed (study groups, talking, or otherwise sleep-compromised.) George Koury is as funny as he is spiritual–and he is deeply spiritual. He gave us a handout on his Peter Pan spread that opened me up on deep levels. It is a deceivingly simple three-card (but four-question) spread. It is one I will be using with clients (book a reading) because of the depth it created. It is on a simple, easy subject–life’s purpose.

Last, but not least, was Sasha Graham. Her body of work speaks for itself. Cartomancer readers were treated to an article by her recently. Her light and breezy topic was about the seven cornerstones as evidenced in the 7 of Cups. That pretty much blew my danged mind. We did writing prompts while creating a mandala. You know, the light kind of thing you want to do. LOL.

Each presentation contained such juicy nuggets of wisdom I will spend weeks if not months processing. I stopped taking notes after a bit just to absorb the lessons.

The learning didn’t stop there. It continued at breakfast with friends I’ve known and friends who were new this year. It went on in the hallways and elevators. I got so much from just hanging out with my colleagues (all those who attend are my colleagues) and close friends. Getting time to do a download with Ethony and Benebell was a highlight. I never get time with these two so it was a treat to steal off for a gabfest.

So to answer Joy’s questions…

What classes are you taking/recommending?

What are you doing to advance your knowledge/experience/abilities with tarot?

Joy Vernon

I went to Readers Studio 2019. I absorbed as much as I could. I carried home handouts. I walked out with books (gifts, people, gifts!). I enriched my world by opening up to other people’s gifts of knowledge. If you are curious about my download of RS 2018, here’s that blog. As you go hopping through this Beltaine/Beltane 2019 Tarot Blog Hop, please remember to leave a comment so we know you were there.

I am recommending Readers Studio and classes by any of the above teachers. Oh, by the way, if you leave me a comment here and/or on my other post in this hop, you will be in a drawing to win this deck. It’s part of my swag from Readers Studio that I want to share with you.

Here’s a picture of that swag. You will see art from Joanna Powell Colbert along with her Herbcrafters Tarot (pre-order on this link for a cool gift!), art from Monica Bodirsky, my amazing hamsa mandala from Heidi Strachan via the Boston Tea Room. Speaking of Heatherleigh Navarre, she suckered me into getting that darling crystal ball! I got books from Ethony Dawn and Theresa Reed as well as snagging a copy of the Alice Grist book from the swap table. My gorgeous hamsa piece and Ganesh bracelet are from Soultopia (owned by Michelle and Roger Welch who are HIGH up on my people I adore list.) And more! I know I’m leaving things out! Oh! Tori Hartman handed out cute little bags. And I got Gina Thies’ Tarot of the Moors (so excited about that!) The “I’m bossy” bag came from…c’mon Arwen, you know this… and the Vegemite was from Karin Dalton-Smith, the teacup lady.

Readers Studio 2019 Swag
Readers Studio 2019 Swag

In conclusion, don’t be that aforementioned teacher. Okay, now go hop!

Author: TarotByArwen

Arwen is the professional Joy Seeker. Her true calling is as a Professional Joy Seeker. She co-creates solutions with her clients to help them find their joy again. "Seek joy, y'all" is her motto. Her decks include The Fairy Tale Lenormand, Secrets of the Mystic Grove, Bianca Niero Tarot, the Elle Qui Oracle, and the Field Guide to Garden Dragons (all published by U.S. Games INC.). She is the author of 33 Days to Finish Your Book.

16 thoughts on “TarotBlogHop: What I Learned On My Not-Summer Vacation”

  1. I tend to learn a great deal from my students as their new and fresh look at the subject helps clear my own mind.
    Thanks for including us in your RS journey and learning! Attending RS and Omega are on my list of to-do’s.

  2. Loved reading this, and the other one, Arwen (I never have managed to login on that site *doh*). This is such a beautiful reminder of the joys of attending a tarot conference! RS is still on my bucket list, but dang it’s a long way away.
    I’m off to the UK Tarot Conference again this year. We had Benebell Wen last year, and Sasha Graham the year before (amongst so many other juicy talks and workshops). And yes, I never manage to keep my ‘no more…’ promises, either 😀
    I’m so intrigued by the Seven of Cups spread you mention – it’s come up for me twice in two days in different contexts, now this is three…

  3. You bring the joy Arwen. I enjoyed this sharing of what you learned at Reader’s Studio and all the information from the presenters as well. This makes me wish I could go every year(and I was there this year!). Your review is spot on and again we get so much that is ti s hard to do it all at the conferences.

    Also thank you for pointing out that really we as teachers and students should always be learning and that there is no ONE WAY to do Tarot. <3

    Off to go read your Divination Day recap!

  4. “No teacher knows it all. No student can learn it all. But all knowledge must be absorbed.” I’m going to print this out and hang it where I can see it every day!

  5. Loved reading your recap Arwen! Thank you for sharing your experience, especially all the bombs. Looking forward to reading through the hop. Stay joyous.

  6. I’m only commenting for the chance to win the deck.

    Don’t take me seriously, lol. I wish I could one year attend RS, although TABI’s annual conference is just as awesome – and is local, hehe.

    Ah the know all “teachers”… I hope that person got their money, or at least a part of it, back.

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Card of the Day – 4 of Pentacles – Thursday, December 20, 2018

Are you tired of adulting yet?  Perhaps building a blanket fort in your family room is sounding more and more like a good idea.  Putting a layer of protection between you and the outside world may be just what the doctor ordered. Try not to be totally obvious about it; perhaps you could claim to be doing it for the children.

Today’s 4 of Pentacles can actually manifest itself in many ways, some of which may include not spending your money all too frivolously during this holiday season.  Venus retrograde is totally done, but you do still have a few days left before Mercury leaves shadow.  Those new tech purchases may be better left for the post-holiday sales.

The chances of encountering an Ebenezer Scrooge type in your midst is entirely possible; let us hope this is not you.  The 4 of Pentacles is a miserly card, and grinch-like people are running amok these days.

See you here tomorrow!

Source:  Tarot Illuminati by Erik C. Dunne

This card was last seen November 30, 2018

View the extended version on YouTube:

To reconnect with my Weekly and Love and Finance Tarot Guidance, you can go to: ~ listen for FREE, or subscribe to hear all of my Special Guidances as well, or

Click on “Use App” at the top of my Facebook page to join my Special Tarot Guidance Members Only Area. The first month is only $1, then $5.99 month thereafter

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Get Through the Airport Faster with These Travel Tips

March 07, 2016

It doesn’t matter where we are going over the holidays we want to get there as fast and as smooth as we can. The last thing we want is to be held up in airport security because of something silly we did (or didn’t) do.

4 Tips for Packing Your Carry-on
  1. Use a clear plastic bag and follow the 3-1-1 rule for packing liquids and keep it accessible. Travel Accessory: Silicon Clear Tubes

    GoToob Squeezable Travel Tubes

  2. Wrap your electronic cords neatly as a tangle of cords may look potentially harmful in an x-ray. Travel Accessory: Grid-It Organizer

    GRID-IT!® Organizer Bundle

  3. Pack your laptop on top or in a separate pocket, as it will have to come out of your carry-on. Smaller electronics like your smartphone, tablet, or iPad can stay in your bag. Travel Accessory: Checkpoint-Friendly Laptop Bag

    Eagle Creek Universal Traveler Backpack RFID

  4. Your id/passport and boarding pass also need to be handy, so pack them accordingly. Favorite Travel Accessory: RFID Blocking Neck Stash *Note: When traveling with RFID blocking accessories make sure to put them in the bin to be scanned with your other belongings. These items have fine foil fibers woven throughout and may beep as you walk through the scanner.

    Tarriss RFID Neck Wallet

    Tarriss RFID Blocking Neck Stash

What to Wear

What to wear

Have you ever noticed that the airport has some of the worst dressed people? Although it is partly understandable since you want to make it through the scanners “alarm free” and you want to be comfortable on your flight, but you don’t have to adopt the Leisure Suit Larry look to get through security quickly. I’m not going to give you any fashion advise, for that you should check out, but I will offer a few helpful tips:

  • Wear an outfit that doesn’t need a belt, or pack it in your bag until you are through security.
  • Wear shoes that are easy to slip off (*note #1: that does not mean slippers and *note #2: wear socks or stockings, barefoot on an airport floor – eww!)
  • If you want to wear jewelry put it in a clear ziplock bag and pack it safely in your bag or put in the pockets of your jacket so nothing is lost when it’s scanned.
  • Take body piercings off if you can, otherwise, you may need extra screening.
In the Screening Area Line

If you travel a lot you probably already have your own routine to get through Security quickly, the following has worked well for me:

  1. If you have a choice pick a line that is moving quickly, which is not always the shortest line. Think about a grocery line – the shortest one may have people with fuller carts and it will actually take you longer to get through.
  2. When it’s your turn grab 3 bins, put your jacket, shoes, belt and liquids in the first bin, laptop in the second bin then put your carry-on behind your laptop. Some people like their laptop to go through last so they can make sure they are already on the other side to collect it, I prefer to have it smack in between my stuff.
  3. Have your id/passport ready for the screening agent.
  4. On the other side, go directly to your first bin and grab your jacket (especially if you put all your jewelry in it).
  5. Next, grab your laptop (this is why I like it right beside my jacket) and if your carry-on is all ready put your laptop away. Then grab your shoes and belt and move out of the way to put yourself together. This will make it easier for everyone else coming through.

For more information, you can check out the TSA site.


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ATANSU Microchip Technology / Atmel EEPROM 8K SPI 1M CYCLES – 10MS V datasheet, inventory, & pricing. Microchip Technology / Atmel ATB-SSHL-T. Enlarge Microchip Technology / Atmel, EEPROM SERIAL EEPROM 8K (x8) SPI V. Datasheet. ANSU Microchip Technology / Atmel Microchip Technology datasheet, inventory, & pricing.

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The first step when using the Basic API is to set the chip select, clock rate, clock polarity, and clock phase. In order to program the ATA, two separate instructions must be executed.

It also mentions that once the ATA atmdl selected with an active low chip select, agmel first byte is received thereafter. This is done similarly to the Advanced API, without the need to set and reset the chip select for the device.

The ATA then provides the data requested by the byte address as defined in the functional description. For example, the HOLD pin can be used to pause serial communication without resetting the serial sequence.

In this case, reading and writing are different operations for the device. You can review this in the Overview of SPI tutorial linked at the bottom of this document. When the highest address is reached, the address counter rolls over to the lowest address allowing the entire memory to be read in one continuous read cycle.

If more than 32 bytes of data are transmitted, the address counter rolls over and the previously written data is overwritten. These integrated circuits can be challenging to communicate with, especially the first time using them. The product manual for this integrated circuit indicates the ATA uses an 8-bit instruction register.

N Microchip / Atmel | Ciiva

The read sequence can be continued since attmel byte address is automatically incremented and data continues to be shifted out. Basic Hex Inverter Chip. If we send an invalid op-code, no data is shifted into the ATA; data is not accepted via the SI pin, and the serial output pin SO remains in a high impedance ateml. In order to write data to the memory array, we need to enable the Set Write Enable Latch.

Referencing page seven of the ATA product manual, the most significant bit MSB is the first bit transmitted and received. The following sections cover three scenarios that overview LabVIEW and the different instructions we have discussed above in detail. Back to Top 6.

It also switches all chip select pins from tristate to push-pull output driven high. After the chip select line is pulled low to select a device, the READ op-code is transmitted via the SI line followed by the byte address to be read A9-A0. Figure 6 shows this 255080 set.

Only the RDSR instruction is enabled during the write programming cycle. First, the device must be write enabled via the WREN instruction.

  IEC 60466 PDF

NI USB-8451, Atmel AT25080A, and the LabVIEW SPI API

Please note that the chip select is active low, which means the chip enables communication when the signal is low and remains idle when the signal is high. If only one byte is read, the CS line should be driven high after the data comes out.

Notice that there are two pins not connected in this case. In atnel case, this is enough to power the chip. This scenario is a bit more advanced than the Set Write Enable Latch instruction.

It is important to input the chip select signal from the NI USB to the input of an inverter on the hex inverter chip e. The ATA is automatically returned to the write disable state at the completion of a write cycle.

The way you connect these pins also depends on the functionality. The downside is that sending these atmep makes the Basic API less efficient.

The device powers 20580 in the write disable state when Vcc is applied. This execution only requires one instruction. These VIs are shown in Figure

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The vile sorcerer Sidi plans to strike the kingdom a fatal blow, setting the murderous pirate Bear upon the high seas in pursuit of the vessel that is transp. Return now to a kingdom in constant peril: a scarred land, both magical and wonderous. New York Times bestselling author Raymond E. Feist continues his. Book Three of the Riftwar Legacy gets off to a fast start, as pirates attack the ship Ishap’s Dawn in order to steal the Tear of the Gods, a sacred magical gem.

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Sep 14, Zoe rated it liked it Shelves: His love affair with Talia is his only saving grace really, and when she gets bumped off unceremoniously, you can’t help but lose interest in his plight even more. Every time Jimmy steps forward to avoid his opponent’s jab, and krobdor written as if we haven’t already read that same trick three times.

Krondor: Tear of the Gods

Preview — Krondor by Raymond E. Like a length of prose describing the heroes solving a Rubik cube to open a door! So begins a story of the Tear of the Godsthe most powerful artifact known to the Temples of Midkemia.

I sped through the book, then set it down feeling simply let down. Not great but good. He graduated with a B.

Overall, If you like fantasy then you might find this book interesting. The Riftwar Legacy 4 books. Oct 30, Z0nky rated it liked it. Soon after, there is a loud rocking explosion and the three investigate and finds the prison in chaos, as apparently Bear broke into the prison to reach a person with a specific knowledge that Bear’s master needed. But rumour has it that the newborn son of the last tne of Ithrace survived What were they really going to do with the Tear once they got it.

Feist, in one of the books, outlines the genesis of the trilogy – a game based on the world and characters of Midkemia.

Want to Read Currently Reading Read. Solon was interesting concept and I wish there would be said more about his backstory.

Krondor: Tear of the Gods: Book Three of the Riftwar Legacy

Now he’s like Braveheart crossed with Sinbad. I look forward to the next trilogy within the series to see where Feist takes me.

Third in the massively successful Krondor series inspired by Feist’s global best-selling computer game Return to Krondor.

Still awesome after all these books.

Enter the mysterious and exotic world of Kelewan. Joined by a representative of the temple, a warrior priest, they recruit a member of a magicians’ guild to raise the sunken ship. People who bought this also bought Has a good dungeons and dragons feel to this one. David Eddings, Leigh Eddings Narrated by: The artifact, called the Or of the Gods, allows the priests of various temples to channel the divine will of the gods, without which, humanity would kronddor cut off from the gods. This is the only book I have read in the Krondor series by Raymond E.

Admittedly, he was struggling with personal troubles at the time that he wrote it, and it’s based on a game, but regardless of the reasons, the book isn’t up to par. The Wood Boy The Messenger.

Krondor: Tear of the Gods | Midkemia Wiki | FANDOM powered by Wikia

I will read the next Goxs and keep my fingers c Hmmm I dislike that it’s unfinished, though I enjoy the hints towards future books. Jimmy is settled up, William kronsor don’t change, but he wasn’t main character this time so maybe that’s the case. Though exciting, it just did not fit in with the the trilogy, or the overarching series as a whole. Solon, a priest of some kind; Jazhara, the court wizard; and Kendaric, one of the most annoying characters Feist will ever write.

This story links into what’s happening later in the series with the Nameless One.


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Dear readers, in the era of this competitive market, the key to success and to stay live in market is to provide best customer service/product at reasonable price. To achieve this success mantra, internal audit of organization can play a vital role. In laymen language Audit means verification/ authentication of our records, processes, goals etc with predefined standards/rule and regulation. Internal audit means audit of organization by 3rd person on behalf of management of the organization, so that true position of organization can be presented before the owners/ stakeholders.

The success of internal audit depends on the person/professional who has been hired to conduct the internal audit, his knowledge/ awareness about the rules and regulation of the Industry and its experience in such kind of audits. If audit is conducted with adequate care, then internal audit has the power to save organization from statutory defaults along with this increase the profits of organization many times. Internal audit is a vide area which can be extended to many departments of the organization like Production, HR, Sales, Accounts and marketing department. Out of this big area, in this article, we will discuss about some points that helps management to increase their business and profits.

Internal Audit

1. Analysis of Industry and Competitors

As we all know, to run any business, we require customers. In this point, customer sentiment is analyzed from Industry and competitors point of view. Here SWOT Analysis of organization as well as Industry is done, so that future impact of any big investment can be anticipated.

 2. Production/ Services Cost Analysis

Before deciding sale price of our product/service, we must know, what is our exact cost to produce/render that product/service? Many organization fails at this point. MSME Sector entrepreneurs’, who are new in market, fails due to this error. To give competitive rate to customers they ignore this point and at last they have to shut down their business and have to lose their hard earned money. In internal audit, this point takes maximum time because when we do not know the cost, how can we decide the Sale price.

 3. Product Quality/ Service Check

In this point, surprise verification of Product Quality/ Service is done, so that customer experience can be acquired and all short coming can be found. By this check customer support service and employees commitment level can also be checked.

4. Audit of Accounts and Analysis of Cash flow statements

 In this part, detailed analysis of accounts is done, so that accuracy of accounts can be verified and whether statutory compliances are done on regular basis or not. Sometimes, it is observed that, due to non compliances of law, penal provisions are so harsh that, they can affect the survival of business. In this part cash flow statements is verified, and organization liquidity and its liability payment capacity is analyzed.

5. Marketing Audit

We all know that, marketing is an integral part of business activity. By marketing, we approach new customers to associate with us. In this part, it is analyzed that, whether our marketing strategy is right or not, what is our marketing cost and revenue generated through these activities.  Whether organization is able to target the right audience of their product?

6. Human Resource Audit

Employees of an organization are like a backbone. If an organization is able to recruit right employee at right price, then its speed of growth is unexpected. Here, it is verified whether there is any SOP that must be followed before recruiting the new employee, how the performance of employee will be rated to know whether that employee is asset or liability for the organization.

In my point of view, every MSME enterprise must conduct internal audit on regular basis, so that actual position of organization can be seen and if required then remedial actions must be taken in time to survive in this competitive market.

Disclaimer: This article is for the purpose of information and shall not be treated as solicitation in any manner and for any other purpose whatsoever. It shall not be used as legal opinion and not to be used for rendering any professional advice. This article is written on the basis of author’s personal experience. Adequate attention has been given to avoid any clerical/arithmetical error, however; if it still persist kindly intimate us to avoid such error for the benefits of others readers.

About the Author: The Author “CA. Shiv Kumar Sharma” can be reached at mail – and Mobile/Whatsapp – 9911303737/ 9716118384

Author Bio

Qualification: CA in Practice
Company: Shiv Kumar Sharma & Associates
Location: Delhi, New Delhi, IN
Member Since: 03 Dec 2018 | Total Posts: 45
My Self CA. Shiv Kumar Sharma. I am a member of "The Institute of Chartered Accountants of India" since 2012. I have Qualified my B.Com (H) in 2010 And Cleared CS- Executive Exam in June 2013. Currently, I am in Practice and dealing in Direct and Indirect taxation along with ROC Compliances. View Full Profile

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October 2020


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The Non Banking Financial Companies (NBFC) is a Company incorporated under the provisions of the Companies Act that provide financial services and banking facilities without meeting the legal definition of Bank. They are covered under the prudential norms laid down by the Reserve Bank of India and provide various banking services like loans, credit facilities, TFCs, retirement planning, investing and stocking in money market. There are a number of NBFCs Companies prevailing in our country like Power Finance Corporation Limited, Shriram Transport Finance Company Limited, Bajaj Finance Limited, etc.

To start with, let us understand that there are following kinds of NBFCs:

  • Asset Finance Company (AFC)
  • Investment Company (IC)
  • Loan Companies (LC)
  • Infrastructure Finance Company (IFC)
  • Systematically Important Core Investment Company (CIC-ND-SI)
  • Infrastructure Debt Fund (IDF-NBFC)
  • Non Banking Financial Company-Micro Finance Institution (NBFC-MFI)
  • Non Banking Financial Company-Factors (NBFC-Factors)

Coming to our topic, loan companies means any company which is a financial institution carrying on as its principal business the providing of finance whether by making loans or advances or otherwise for any activity other than its own but does not include an Asset Finance Company. They are further categorized as following:

NBFC Company- Loan Company

In this write up, we shall particularly discuss about the various aspects of the Category B Loan Companies. The NBFCs are further categorized into following on the basis of asset size:

  • With asset size less than Rs. 500 Crore: Non Systematically Important Non Banking Financial Companies
  • With asset size of more than Rs. 500 Crore: Systematically Important Non Banking Financial Companies

Any entity intending to take NBFC license from the Reserve Bank of India shall ensure the following pre conditions:

  • It should be a registered Company under the provisions of the Companies Act, 2013.
  • Minimum net owned fund of Rs. 2 crore i.e. 200 lakhs
  • Minimum one Director having experience in the field of banking or senior banker as full time Director in the Company.
  • Clear and clear CIBIL, SEBI records.
  • Next five year plan for running and setting up of business as an NBFC.

Once the Company has been incorporated under the provisions of the Companies Act, 2013, the nest step is to make an online application for granting of RBI license online through RBI COSMOS portal. Thereafter, a CARN number will be generated which shall be preserved for inquiring about the status of the application. The application will then be scrutinized by the RBI Mumbai Head Office. However, the hard copy of the application shall be submitted to the regional branch of the RBI as well like in case if the registered office of the Company is at Delhi, the application shall be submitted to RBI Delhi and the like.

For obtaining license from Reserve Bank of India, a lot of documentation shall be submitted mainly the following:

  • Brief profile about the proposed objects of the Company and its next five year plan;
  • Brief profile about the proposed Directors
  • Brief profile about the proposed shareholders
  • Sources of funds of the proposed shareholders
  • CIBIL record and the bankers statements of the proposed shareholders, etc.

Now, we shall discuss about the compliances of an NBFC Loan Category A Company:

S. No. Compliances Applicability/Timeline Relevant Circular
1. Filing of NBS-8 Company with asset size between Rs. 100-500 crore. To be filed within 30 days of closing of FY i.e. by 30th April RBI Circular No. DNBS (IT).CC.No. 02/24.01.191/2015-16
2. Filing of NBS-9 Company with asset size below Rs. 100 crore. To be filed within 30 days of closing of FY i.e. by 30th April RBI Circular No. DNBS (IT).CC.No. 02/24.01.191/2015-16
3. Statutory Auditor Certificate Within one month from the date of finalisation of Balance Sheet Para 15(1) of the prudential norms
4. Provision of standard asset Every NBFC to make a provision of standard assets at 0.25% of the outstanding asset Para 10 of the prudential norms
5. Statutory Reserve Every NBFC shall create statutory reserve fund and transfer  a sum not less than 20% of its net profit as disclosed in the P&L Account Section 45-IC of the RBI Act, 1934
6. Registration with Financial Intelligence Unit (FIU-IND) As per Master Circular- ‘Prevention of Money Laundering Act, 2002 – Obligations of NBFCs in terms of Rules notified there under”
7. Registration with CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India As per RBI Circular DBR.Leg.No.BC.15/09.08.020/2018-19 dated December 27, 2018

8. Registration with C-KYC (Central KYC Registry) As per notification no. G.S.R. 544(E) dated July 7, 2015 of the Ministry of Finance
9. Registration with Credit Information Companies (CICs) Renewal on an annual basis. The four CICs are:

·         CRIF

·         Experian

·         CIBIL

·         Equifax

All NBFCs are required to obtain the registration and membership of all 4 RBI notified Credit Information Companies (CIC) and updated the credit information regularly on a monthly basis or at such shorter intervals as may be mutually agreed upon between the Company and the CIC.
10. Submission of resolution that the Company shall not accept deposit Master Director – Non Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 2016
11. Submission of information w.r.t. change of address, directors, auditor, etc. Within one month of occurrence of change In accordance with Para 26 of the prudential norms
12 Adoption of Fair Practice Code Vide Master Circular DNBS (PD) No. 054/ 03.10.119 / 2015-16 dated July 1, 2015

Further, it is important to note that the following events/transaction shall required prior approval of Reserve Bank of India:

  • Any acquisition or change in control of NBFC may or may not result in the change in the management;
  • Any change in the shareholding of an NBFC resulting in acquisition/ transfer of shareholding of 26 percent or more of the paid-up equity capital, excluding shareholding going beyond 26% due to a buyback of shares/ reduction in capital by the approval of a competent Court;
  • Any change in the management resulting in a change of more than 30 percent of the directors, excluding independent directors.

In conclusion, we can say that the government has come with much leverage to encourage NBFC Registration at the present time. However, the Act, rules, regulations and various circulars has been issued by the government to govern NBFCs more systematically though making its complex with the only reason that the governing laws are not available in any complied form.

{The author is a Company Secretary in Practice and can be reached at (M) 9999952595 and (E)}

Author Bio

Qualification: CS
Company: Kajal Goyal and Associates
Location: Delhi, New Delhi, IN
Member Since: 11 Jun 2018 | Total Posts: 72
KAJAL GOYAL AND ASSOCIATES, is a Company Secretary proprietorship firm, offering its expertise and one stop solutions for all Corporate compliance requirements to the clients with a strong emphasis on ethics and ‘being on toes’. Capable delivering services related to Companies Act, FEMA, Re View Full Profile

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October 2020


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PAVT 2016

Catalogue of the Russian IT Conference “PaVT”: “Parallel computing technologies”, 2016, Arkhangelsk. Catalogue lists “Georgi Petrovich Roshka [Георгий Петрович Рошка], military unit 26165” as a participant.

Military unit 26165, also known as GRU 85 Main Special Service Center, is dedicated to cryptanalysis.

See TBCA’s ‘Cedric O’ for metadata of the hacked files of Cedric O, treasurer of Emmanuel Macron’s party, En Marche. Metadata with cyrillics shows that somebody called “Georgi Petrovich Roshka [Георгий Петрович Рошка]” opened them in March 2017.

Marine Le Pen, who received some funds from a Russian bank, accused Macron of having “an offshore  account” at a public debate, as did the Russian TV. “Emmanuel Macron’s offshore fund”, as “found” in the hacked emails, was uncovered as a fake.

See also ,

who_is_who_pavt2016 roshka
Support TBCA if you think this document is useful. Donations are processed by the publisher DRJI:

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TC BizNews

The Daily News Source

Maleic Anhydride (Ma) Industry Market Size 2020 : Top Countries Data, Market Size, Defination, Brief Analysis of Global Industry with Forecast Growth By 2026

Global Maleic Anhydride (Ma) Industry Market Overview: Our analysts monitoring the situation around the Globe explain that after COVID-19 crisis the market will generate remunerative prospects for producers. The goal of the report is to provide a further illustration of the current scenario, economic slowdown and effect of COVID-19 on the industry as a whole.

 From the ocean of BMRC regards to recent market research scenario; Global Maleic Anhydride (Ma) Industry market exhibits the comprehensive information that is a valuable source of insightful data for business strategists during the decade 2018-2026. On the basis of historical data, Maleic Anhydride (Ma) Industry market report provides key segments and their sub-segments, revenue and demand & supply data. Considering technological breakthroughs of the market Maleic Anhydride (Ma) Industry industry is likely to appear as a commendable platform for emerging Maleic Anhydride (Ma) Industry market investors.

Topmost Leading Manufacturer Covered in this report: Changzhou Shuguang Chemical, MOL Group, Basf, Tianjin Bohua Zhonghe Chemical, Sasol-Huntsman, YONGSAN CHEMICALS,INC, LANXESS, Mitsubishi Chemical, Polynt, NIPPON SHOKUBAI, Huanghua Hongcheng Business, Mistsui Chemical, Ashland, Shanxi Hengqiang Chemical, CEPSA, Jiangsu Zhongteng Chemical, Qiaoyou Chemical, Flint Hills Resources, Zhejiang Jiangshan Chemical, Elekeiroz SA, Jiangyin Shunfei Fine chemical, Huntsman Corporation, Bartek Ingredients, Thirumalai Chemicals Ltd., Changzhou Yabang Chemical, Hongxin Chemical, Korea PTG, DSM, Shengyuan Group, Zibo Qixiang Tengda Chemical

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This Maleic Anhydride (Ma) Industry Market Report covers the manufacturers data, including: shipment, price, revenue, gross profit, interview record, business distribution etc., these data help the consumer know about the competitors better.

The complete value chain and downstream and upstream essentials are scrutinized in this report. Essential trends like globalization, growth progress boost fragmentation regulation & ecological concerns. This Market report covers technical data, manufacturing plants analysis, and raw material sources analysis of Maleic Anhydride (Ma) Industry Industry as well as explains which product has the highest penetration, their profit margins, and R&D status. The report makes future projections based on the analysis of subdivision of the market which includes global market size by product category, end-user application, and various regions.

Most important types of Maleic Anhydride (Ma) products covered in this report are:Solid Maleic AnhydrideMolten Maleic AnhydrideMost widely used downstream fields of Maleic Anhydride (Ma) market covered in this report are:Unsaturated polyester resins (UPR)Production of 1,4-butanediol (BDO)Lubricating oil additivesFood industryOthers

Crucial Research:
During the first survey, we interviewed various key sources of supply and demand to obtain qualitative and quantitative information related to this report. Key supply sources include key industry participants, subject matter specialists from key companies, and consultants from several major companies and organizations active in the digital signage market.

Minor Research:
The second study was conducted to obtain key information on the supply chain of the industry, the market’s currency chain, pools of major companies, and market segmentation, with the lowest level, geographical market, and technology-oriented perspectives. Secondary data was collected and analyzed to reach the total market size, which was verified by the first survey.

This research many focuses on future market segments or regions or countries to channel efforts and investments to maximize growth and profitability. The report presents an in-depth analysis of key vendors or key players in the market competitive landscape and market.
The research provides answers to the following key questions:

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A new report titled, ‘Global Maleic Anhydride (Ma) Industry Market’ has been added to the vast depository of Garner insights. The market research report consists of an extensive primary research, as well as an in-depth analysis of the qualitative and quantitative aspects by various industry specialists and professionals, to gain a deeper insight of the market and the overall landscape.

  • What are the key reasons to focus on this particular market?
  • What are the key industry trends and growth potentials in the Maleic Anhydride (Ma) Industrymarket?
  • What are the key growth factors, shortcomings, and lucrative opportunities for the Maleic Anhydride (Ma) Industrymarket with their impact analysis?
  • What are the aiding technologies in the market?
  • What are the key applications?
  • What is the environment and architecture of the market?
  • What are the important market solutions with respect to the market statistics?
  • Which region will dominate the market by the end of the forecast period?
  • Who are the key players functioning in the Maleic Anhydride (Ma) Industry market?

This report focuses on the presents volume and value of market share by players, by regions, by product type, by consumers and also changes in prices.

Important Facts About Maleic Anhydride (Ma) Industry Market Report:

-The Maleic Anhydride (Ma) Industry industry report features different approaches and procedures endorsed by the market key players to make vital business decisions.
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Rock Sugar

German Rock Sugar crystals add a little sweetness to your cup of tea. These gorgeous small pieces of sugar crystals are a tastier alternative to your traditional sugar. German Rock Sugar crystals are naturally unrefined, unprocessed sugar that are made from beets and not from sugar cane, an all-natural sweetener. These small gorgeous amber sugar crystals are the best way to naturally enhance the sweetness of your loose leaf tea without changing the flavour of the tea. German Rock Sugar crystals can be used to sweeten any type of loose leaf tea be it; black, green, white or red loose leaf tea.

To use German Rock Sugar crystals depends on how sweet you would like your loose tea. Just simply take a pinch of the beautiful amber sugar crystals and drop them in to your loose leaf tea while it steeps. The sugar rock crystals will dissolve in the hot tea sweetening it without changing the flavour of the loose leaf tea. For more sweetness just simply add another pinch.

German Rock Sugar crystals are unbelievably tasty that they are also good enough to eat on their own. Just try leaving a bowl full of German Rock Sugar crystals out on your kitchen table and they will soon disappear! At Teabury you can buy a 100g box of German Rock Sugar.


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Supports Teach For All Partners in Latin America to Provide Quality Distance Learning During the Pandemic, Google’s philanthropy, through its Distance Learning Fund, is supporting Teach For All’s efforts to ensure the continuity of learning across Latin America during the COVID-19 pandemic.

With support from, Teach For All’s network partners Enseña Chile, Enseña por México, Enseña Perú, Enseña por Colombia and Enseñá por Argentina will provide training and support to public school teachers in distance learning strategies. To reach teachers and students, these Teach For All partner organizations will partner with local governments, as well as work with public and private sector organizations to create educational content for radio, TV, and printed instructional materials to enable remote learning in Argentina, Chile, Colombia, Mexico and Peru.

“Supporting organizations that ensure continuity of learning is more important today than ever before.” said Hector Mujica, Head of for Latin America. “We are proud to support the proven and effective programs of Teach For All and their partners across Argentina, Chile, Colombia, Mexico, and Peru to ensure that the youth across these countries continue to learn and advance towards greater opportunities.”

“With COVID-19, teachers had to abruptly change their teaching practice from face to face instruction to a virtual learning experience. With our collaboration, I am excited that the five Enseña partners in the region will help 10,000 teachers be better prepared to face this new reality of virtual learning by offering contextualized distance learning strategies and attractive educational content for radio, TV, and printed materials to reach remote areas,” said Ana Florez, Head of the Americas Region at Teach For All.

Through this effort,  Teach For All will enable partner organizations to expand their efforts to create educational content for radio, TV, and print materials and enable remote learning for the most underserved children and youth in their countries. Examples of these efforts include Enseña Chile’s radio program “La Radio Ensena,” which is currently being broadcast by more than 198 radio stations daily across nine regions in Chile. Enseña por Colombia’s podcast “A Prender La Onda” now has more than 100 episodes on air via Spotify and in partnership with regional radio stations. These 30-minute programs covering topics relevant to middle and high school subjects have the potential to reach thousands of students across Colombia who don’t have access to internet connectivity. Moreover, Enseña por Argentina’s “capsules of learning” or CAPs, are content packages designed to be shared through social media and other low bandwidth connectivity channels, to develop academic and socio-emotional skills. These CAPs include audio messages, images, or short videos that foster student engagement and curiosity about their learning.

The partnership will also support efforts to expand partnerships with ministries of education across the five countries, aiming to support as many students as possible. Some of these efforts include Enseña por Mexico’s collaboration with state secretaries of education to broadcast  “El Poder de las Emociones,” a podcast intended to develop socio-emotional skills in youth, alongside a collaboration with the Early Childhood Ministry to develop TV content to reach more than 10 million households. Similarly, Enseña Perú has collaborated with the Ministry of Education to design sessions for Aprendo En Casa TV, an official government project that airs 30 lessons every week for students in 5th to 11th grades. According to the National Education Ministry data, Aprendo En Casa TV has so far reached more than 1.5 million students in Peru and has the potential to reach many more.

“The educational reality in a pandemic is very challenging and above all the great inequality that has been more evident than ever,” said Magdalena Fernandez, CEO of Enseñá por Argentina.  “Today more than ever, we are challenged to work with a sense of possibility, urgency, and responsibility. I am convinced that the partnership with and the partners in the Teach For All network is contributing to put students at the center of our decision-making to guarantee no student is left behind in their learning.”

We are excited to learn more from the network's partners in Latin America as this partnership with continues to grow and reach more students in low-connectivity communities who have been affected by the COVID-19 pandemic.


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Breast Cancer-Sensing Bra Detects Tumors Years Before Some Mammograms

Breast cancer kills an estimated 39,500 women a year; yet if it’s detected early enough, the five-year survival rate is over 95 percent. Now, the new Breast Tissue Screening Bra provides women continuous screening in the comfort of their own clothes. In over three clinical trials, the bra correctly identified 92.1 percent of tumors, compared to the 70 percent accuracy of routine mammograms. More importantly, the bra measures subtle, longitudinal changes in skin temperature that can indicate a tumor as many as six years before a traditional screening would detect it (more explanation in the company’s video below):

Interestingly, in 2009, an influential federal task force recommended that women under 40 stop getting routine mammograms, since the high rate of false positives led too many women to undergo unnecessary treatment. A widely used cancer-detecting bra could increase both the number of tumors detected, but also the false positives, which means that the medical community will have to grapple with this new technology in a responsible way.

First Warning Systems plans to commercialize the BSE bra in Europe in 2013 and, pending FDA approval, in the United States in 2014.

[Via Mashable Via CNET]


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Supermercato24 acquires Szopi, an on-demand grocery delivery service in Poland

Supermercato24, the Italian same-day grocery delivery service, has acquired, an on-demand grocery delivery service in Poland.

Terms of the deal remain undisclosed, although I understand it is a mixture of cash and stock. Szopi had raised €1.7 million from various investors, including Impera Alfa.

The acquisition sees the two companies join forces to speed up the growth of Supermercato24’s expansion in Poland. Full integration of the respective platforms will be completed at the beginning of 2020. Szopi’s founders are joining Supermercato24, where they’ll be focusing on business development and operations.

Similar to Instacart in the U.S. and claiming to be the leader in Italy, Supermercato24 lets customers order from local supermarkets for delivery. The startup uses gig economy-styled personal shoppers who go into the store and “pick” the products ordered, then deliver them same-day, or for an added cost within an hour. It’s live in 31 Italian cities.

The company raised €13 million in Series B funding in June 2018. Leading that round was FII Tech Growth, with participation from new investor Endeavor Catalyst, and current investors 360 Capital Partners and Innogest.

Meanwhile, I’m told that one of the key assets being acquired is the network of partnerships that Szopi has been able to develop with retailers such as Auchan and Carrefour. In Italy, Supermercato24 has partnered with 20-plus retailers, such as LIDL and Carrefour.

“The acquisition marks the first step for the international expansion of the company, aiming to lead the way and expand into Europe,” a spokesperson for Supermercato24 tells TechCrunch.


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Price: CDN$ 9.94
(as of Oct 11,2020 05:33:19 UTC – Details)

Get the best of both worlds with TROJAN Magnum BareSkin condoms – the thinnest Magnum condom ever. TROJAN Magnum BareSkin condoms are designed to provide heightened sensitivity and comfort, with silky smooth lubricant for extra comfort and sensitivity. Each condom is made from a premium quality latex with a low odour for an enhanced intimate experience. Condoms also feature a special reservoir end for extra safety. Every condom is individually electronically tested and meets North American standards for strength to help ensure its reliability. Latex condoms are intended to prevent pregnancy, HIV/AIDS, and other sexually transmitted infections (STIs). THIS PRODUCT CONTAINS NATURAL RUBBER LATEX which may cause allergic reactions including anaphylactic shock if user is allergic to latex. The TROJAN Brand promotes a safe, healthy, and fun sex life. From condoms to vibrators to lubricants, TROJAN is dedicated to delivering innovative, high-quality products that offer pleasure and protection.

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TensorFlow 1 version View source on GitHub

Sets the AutoGraph verbosity level.

Debug logging in AutoGraph

More verbose logging is useful to enable when filing bug reports or doing more in-depth debugging.

There are two means to control the logging verbosity:

  • The set_verbosity function

  • The AUTOGRAPH_VERBOSITY environment variable

set_verbosity takes precedence over the environment variable.

For example:

import os
import tensorflow as tf

os.environ['AUTOGRAPH_VERBOSITY'] = 5
# Verbosity is now 5

# Verbosity is now 0

os.environ['AUTOGRAPH_VERBOSITY'] = 1
# No effect, because set_verbosity was already called.

Logs entries are output to absl's default output, with INFO level. Logs can be mirrored to stdout by using the alsologtostdout argument. Mirroring is enabled by default when Python runs in interactive mode.

level int, the verbosity level; larger values specify increased verbosity; 0 means no logging. When reporting bugs, it is recommended to set this value to a larger number, like 10.
alsologtostdout bool, whether to also output log messages to sys.stdout.


text:
Returns the truth value of abs(x-y) < tolerance element-wise.

x A Tensor. Must be one of the following types: float32, float64, int32, uint8, int16, int8, complex64, int64, qint8, quint8, qint32, bfloat16, uint16, complex128, half, uint32, uint64.
y A Tensor. Must have the same type as x.
tolerance An optional float. Defaults to 1e-05.
name A name for the operation (optional).

A Tensor of type bool.


text:
Outputs a Summary protocol buffer with audio.

The summary has up to max_outputs summary values containing audio. The audio is built from tensor which must be 3-D with shape [batch_size, frames, channels] or 2-D with shape [batch_size, frames]. The values are assumed to be in the range of [-1.0, 1.0] with a sample rate of sample_rate.

The tag argument is a scalar Tensor of type string. It is used to build the tag of the summary values:

  • If max_outputs is 1, the summary value tag is 'tag/audio'.
  • If max_outputs is greater than 1, the summary value tags are generated sequentially as 'tag/audio/0', 'tag/audio/1', etc.

tag A Tensor of type string. Scalar. Used to build the tag attribute of the summary values.
tensor A Tensor of type float32. 2-D of shape [batch_size, frames].
sample_rate A float. The sample rate of the signal in hertz.
max_outputs An optional int that is >= 1. Defaults to 3. Max number of batch elements to generate audio for.
name A name for the operation (optional).

A Tensor of type string.


text:
Festival Bottom Mast Cap

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This PVC plastic cap and steel mounting connection hardware is designed to provide and aesthetic finish to the bottom of the Festival Mast assembly and lock the mast in position to keep it from inadvertently jumping off the cross cables during high winds. The mast cap assembly is supplied with a 1/4" Acadapin to fasten to the bottom of the mast assembly. All steel components are zinc plated for corrosion resistance.

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How I . . .

 How I . . .

By Janet Campbell

My non-smoker mother died of lung cancer with no family history of the disease.

Her death ten years ago was a decisive moment in my life. My life’s work has been in medical devices, where I’ve always been proud of being part of the best health care system in the world. After having to navigate for my mother through the eyes of a family member, it changed the course of my life. Once her journey ended, my own life pivoted.

It is no small task deciding which technology to invest your future in, then determining which opportunity will yield the desired outcome. I spent a year using my entire network of contacts and those of my partner to locate the right opportunity.

Janet Campbell is CEO of San Antonio-based Seno Medical Instruments.
Janet Campbell is CEO of San Antonio-based Seno Medical Instruments.

After a hunt for new technology, I chose to fight cancer. As is so often the case in a new venture, along the way I met individuals who would be “collected” to join the fight.

A New Diagnostic Modality: Opto-Acoustics

The world of breast imaging has not had a totally new modality for over 10 years.

I had found that new way to diagnose cancer in a technology called opto-acoustics. When I first saw opto-acoustics at work, it offered promise but with great compromise. It was like any idea that was not fully grown up – it was in its awkward stage – clumsy, overpowering in size and it needed lots of nurturing.

Opto-acoustic imaging technology combines optics and acoustics to improve the accuracy of the cancer diagnosis without the use of radiation – no x-rays. The process starts by illuminating the breast with laser light of specific wavelengths. Tumors absorb the light, which is converted into acoustic energy and forms a real-time image.

At the beginning, there were only a small handful of scientists and engineers, like the nucleus of a family, who knew how to coax it along – I needed to expand the family of people to help it mature and change. Once we built our team of experts bringing in talent in optics, acoustics, and lasers, we began to test the technology and see where we could modify the design. Initially, like the history of many technologies, we filled a room with equipment. This magnitude was needed since the equipment used was housed essentially in storage closets allowing the engineers access to make quick modifications.

Refining the Design – Listen to the Users

For anyone who walked in the room, the combination of storage cabinets and the radiologist adjusting everything under a table covered by a sheet that was covering the patient, there appeared to be a séance going on. The table required the patient to climb several stairs and was placed in a prone, facedown position, with her breast placed in a hole in the table. Next, the large probe was adjusted around her breast and the radiologist would turn on the computer. The lasers, which were also very large, needed to be warmed up at least one hour prior to any procedure. The arm providing the light from the lasers was an articulated arm and it required a service “tune up” after each use.

We gave her a name – Imagio®. Many a day at the beginning, would I dream that Imagio would be streamlined into a piece of equipment that would reflect what I believed to be her magnificence.

Focus groups came next, to confirm many of our suspicions and to tell us about design concerns which we had not even considered. As a dedicated device for opto-acoustics, like other functional technologies, we thought Imagio would require her own dedicated room. When interviewing the physicians that would someday become the users, we learned they did not want another device with a separate space requirement. They also informed us that a table with a maximum weight limit of 350 pounds might not serve the needs of all the future patients. In addition, the ability to place those same patients in a prone position and climb stairs was beyond the capabilities of many of the potential candidates that would someday benefit from this technology. Further, the desire of most, following the current trends, was to fuse our technology with another modality, such as PET, MRI or ultrasound. In the end, all stakeholders concurred that if we really wanted to make a difference, opto-acoustics should be fused with ultrasound; the thought being, it would be readily available worldwide and could even be transported into remote villages. These focus groups were mind blowing, transformational, and changed the course of our development path. Having seen other entrepreneurs time and again fall into the trap of inventing a new device in a vacuum, then attempt to introduce it to the end user without acceptance, I knew we had to listen to the suggestions made.

Get Her In Shape

Prior to any fusion of another modality, such as ultrasound, to our opto-acoustics, we needed to design special electronics. Opto-acoustics must have a strong signal to noise ratio of the sound coming back from the lesion to create the image, and it must also have a very high signal to noise ratio from the electronics. This initial component was one of the first commercial designs toward our future efforts in the electronic facet of the product. It was a very exciting moment.

The next big step was locating a transparent manufacturer of ultrasound that would be the caliber of quality we sought to align our technology with during this development pathway. Once we identified the company, we purchased a unit and began using it alongside our opto-acoustic technology, overlaying opto-acoustic images with the ultrasound images. For the nontechnocrat, this means using software to show these two types of images overlayed to appear as a single image. This began to offer what I termed the “GPS” aspect to potential users, as they could use the familiar technology – ultrasound – to guide them to the suspicious mass and then use our technology to learn more from the functional aspect. During this period of development, we brought the height of the table down so the patient could simply sit on the bed before and during the procedure eliminating the need to climb any stairs. We also, after many iterations, could now use a very large probe we designed to scan the patient without the need of having to place her in the facedown prone position – reducing the risk of breathing complications and table breakage due to weight. We got fancy and offered several monitoring screens for the physician or technologist to see the images while scanning and afterwards.

Next, as other technology capabilities were evolving, we were able to capitalize on them and initiated our efforts with fiber-optics to replace the articulated arm, in order to deliver our laser light to the patients. With all of this capability now captured into a single cart-based unit, we realized her mobility needed to be validated. So, many of the team members, including myself, tested her mobility. I usually wear heels to work, so to move a device of Imagio’s size would prove her mobility. Initially weighing in at 750 pounds, we knew a diet was in her future.

With the initiation of the fusion of two modalities came the need to turn our attention to yet another important design element, the probe. In traversing new territory and remembering that this is an entirely new modality, we moved ahead with such decisions as the number of transducers (the transducers convert quantities of pressure or brightness into an electrical signal, or vice versa), to be used. We also needed to determine the ideal shape of the probe for opto-acoustics.

Since our first application is for breast diagnosis, it was only fair to perform a study to determine if the probe shape should be arched, as is the curvature of a breast or flat as are many probes used in imaging. With much effort and hours invested, we determined the optimal shape of the probe.

Once all of this was implemented, it was like we were unleashed and we started using focus groups to understand how the users would like to have the cart-based product designed for comfort and user ease. This was and is a slow process, due to the ability to translate users’ “likes” into engineering design and sometimes due to technology “lags” that simply do not allow us to move in certain directions.

Getting to Commercialization

Now that we are in our clinical trial we have long since locked down the device to maintain the quality and consistency needed to move toward commercialization. We have learned much from the use at our clinical sites and are now incorporating valuable changes that will add to the robustness and reliability for user satisfaction. We have also conducted usability studies and have taken much away from them to complete the aesthetic aspects of our product.

They say that beauty is in the eye of the beholder, and if that is true, Imagio® certainly is the prettiest device I have ever seen! (Imagio’s diet has been successfully implemented bringing her well within the weight limit for her frame size).

I read a quote from William Bernbach that I like very much: “An idea can turn to dust or magic, depending on the talent that rubs up against it.” My team is the “talent” and we are working to make our technology the “magic” that I sought 10 years ago to help others.

It has been a long time since we started, but I feel that the idea will truly be realized as “magic” for us and I believe, for the benefit of the world.

Janet Campbell is the CEO of San Antonio-based Seno Medical Instruments.

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Texas Water Development Board approves $3,258,300 to the City of Euless (Tarrant County) for a reclaimed water project

For immediate release. Contact: Sarah Haney at 512-463-5129

AUSTIN – (March 1, 2018) – The Texas Water Development Board (TWDB) today approved by resolution financial assistance in the amount of $3,258,300, consisting of a $2,785,000 loan and $473,300 in loan forgiveness, from the Clean Water State Revolving Fund to the City of Euless (Tarrant County). The City will use the assistance to finance construction costs associated with a reclaimed water project.

In addition to the loan forgiveness, the City could save approximately $487,000 on the loan portion by using the Clean Water State Revolving Fund.

With the assistance approved today, the City will be able to finance the construction and continued expansion of the Village Creek Reclaimed Water System. It will extend a reclaimed waterline along the Bear Creek Parkway and provide reclaimed irrigation services to approximately 16 commercial and multi-family residential customers. The project will also include the installation of approximately 27,000 linear feet of reclaimed water pipe in the distribution system. The TWDB previously funded more than $19 million for the first two phases of this project. -

The TWDB is the state agency charged with collecting and disseminating water-related data, assisting with regional planning, and preparing the state water plan for the development of the state's water resources. The TWDB administers cost-effective financial assistance programs for the construction of water supply, wastewater treatment, flood control, and agricultural water conservation projects.


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Top Quality.

On Schedule.

Uncompromising Safety.

We first opened our doors as a small commercial contractor in 1967. With a focus on hiring good people, getting the job done right, and going the extra mile to satisfy our client’s needs. Our business has steadily grown along with our solid reputation throughout the Pacific Northwest.

We provide a variety of construction services from foundation to final finishes. Following are the areas of work we specialize in:

  • Structural Concrete
  • Rough Carpentry
  • Interior Finish Carpentry
  • Exterior finish carpentry
  • Doors & Hardware Installation
  • Division 10 Specialties Installation

Proactive Service

Relationships with clients are a top priority. We endeavor to match the right project team with each client’s needs. Our focus is on long-term relationship and as such we pride ourselves in doing what we say we are going to do. NO EXCUSES.

Uncompromising Safety

“Everyone goes home safely every day” is our goal on every project. We challenge ourselves, and our construction teams, to find ways of achieving demanding schedules in harsh environmental conditions with safety at the forefront of everything we do. This driving commitment earned us the 2008, 2010, and 2012 AGC ROSE Awards for the best construction safety program in all Oregon!

As of September 1, 2017 an ESOP was formed and we are now 100% employee owned. As an employee owned company you will benefit from a highly engaged project team with a vested interest in the success of your project.

Our Team

With our combined bench strength, TGC Structural brings your project the necessary resources, qualifications and experience needed for a variety of project types and markets. In addition to our labor force, we have a powerful team of Superintendents capable of managing complex jobs.

  • Superintendents & Foremen – Over 22 trained professionals who can range from large complex jobs, to smaller jobs where they transition between supervision and labor.
  • Labor
  • Quality Control
  • Project Engineers

In addition to the on-site labor and supervision, we support our crew with the following resources:

  • Estimating Department
  • Safety Council
  • Safety Manager
  • Office Staff
  • Accounting Department
  • Warehouse Personnel
  • Business Development
  • Project Assistants

  • Associated General Contractors 2008, 2010, and 2012 ROSE Award for Best Oregon Safety Program
  • Daily Journal of Commerce 2008 First Place Project for the Corvallis Elements Building
  • OCAPA 2007 Excellence in Concrete Award
  • Multiple AGC Certificate of Commendation for Low Worker’s Comp Loss Ratio
  • Multiple Salem Contractors Exchange Superintendent Awards
  • US Dept. of Interior Citation for Crater Lake Lodge Rehabilitation
  • Multiple SAIF Corporation Certification of Recognition for No Loss Time Injuries
  • TCA (Tilt-up Concrete Association)
    Concrete Member—One of only two in the state of Oregon

How can we help you?

How can we help you?


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Okay, show of hands – who knows who Robby Benson is? Though his name is far from being outrageously famous, I’m sure some cinephiles automatically go, “Oh, yeah. Wasn’t he the voice of the Beast?” And, yes, he was…but he also had a career long before that.

ICYMI…that’s Robby Benson.

At the start of his career, he was actually most known for playing the romantic lead in Ice Castles, a cliched but fun love story with figure skating. And it had that overplayed, but still great Melissa Manchester song.

If you’re not familiar (which is most likely), Jeremy, made in 1973, follows Jeremy Jones (Robby Benson), a teenage Cellist with a crush on the new girl, Susan Rollins (Glynnis O’Connor). They have an awkward and sweet chemistry and fall quickly for each other only to have the fates intervene and tear them apart.

Here are just a few reasons you should watch Jeremy:

The Cast

For me, the cast is the major reason to watch this film. Every other element wouldn’t work without Robby Benson and Glynnis O’Connor. At the time, they were just fifteen years old, creating controversy over a very tasteful love scene.

hello susan.gif
His voice breaks at the end of the sentence.
not coming back.gif
No, he doesn’t understand, Glynnis!

Both were fairly new to the business – this was Glynnis’s debut – and that showed in the best way possible. They weren’t trying to act. They were natural. They were believable. Their on-screen chemistry sparked an off-screen romance that lasted a couple of years. They even made another romantic drama together, Ode to Billy Joe.

did i say that?.gif
So quiet and sweet.

The Direction/Writing

Writer/director Arthur Barron was a screenwriting professor at the time. He adapted his friend, John Minahan’s novel and got Elliot Kastner (who produced The Long Goodbye) and George Pappas on board as producers.

These coming of age romance films have become a dime, a dozen. I, of course, am still watching them, but most are cliched and tired, having covered the same ground a million times over. This film came a few years after the success of Love Story. But while that film went glossy, Jeremy felt real. There’s real awkwardness in the way these teenagers talk to each other and they don’t sound like adults (Hello Dawson’s Creek!).

i never had any friends.gif
This scene always gets me. It’s so honest.

Beyond the style, I loved the ending. I don’t want to give too much away but I will say it doesn’t end happily. I think I have a tendency to love impossible love stories (see: Brief Encounter).

told him i loved you.gif
His surprise is great…

The Music

This was a major element of the film which I made fun of as a kid. “The Blue Balloon Song” which is sung by Robby Benson, is very seventies (my dad rolls his eyes). But, it’s sweet and awkward just like the film’s couple. It’s fun to listen to next to Robby singing as the beast and be like, “Wow, that’s the same guy.”

It’s genuine, unpolished, and awkward.

Jeremy is far from being a perfect film. As a young person, my brothers and I used to make fun of it and my dad’s affection for it. But, looking at it as an older person, it has something that too many films lack today: sincerity.

bra gif.gif
Oh, the awkwardness…

I know it meant a lot to my dad. He was a nerdy Jewish teenager at the time this came out.

In lieu of the trailer, here’s the whole film:

Beauty and the Beast Gif property of Disney.

Jeremy photos and gifs property of United Artists.

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[SOLVED] This page contains the following errors: error on line x at column y: XML declaration allowed only at the start of the document Below is a rendering of the page up to the first error.

Ever seen the error on $subject and looking for answers. Recently, I encountered the error when working with XML parsers in different browsers.

Scenario: I was seeing no issue with Firefox but with Chrome I kept getting the error shown in $subject.
Cause: After some debugging I found that this is due to the XML Parser used in chrome. After a certain query, if my result set was empty, my program was sending back and empty string (“”) back to the browser. When this is parsed for XML, Chrome threw the error shown in $subject.
Solution: If you are parsing for XML, send XML. When my result set was empty now I sent back an empty parent xml tag (i.e. <result></result>) and the problem was solved. Hope this helps anyone who comes across this issue.


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Mud Fever in Horses

Mud Fever also known by its proper name – Pastern Dermatitis, refers to a wide variety of skin reactions caused from different irritants. This incredibly sore and uncomfortable skin reaction thrives in wet and muddy conditions.
With the British Winters becoming milder and wetter, mud fever is now a real concern for a number of horse owners.

The Causes of Mud Fever

Some soil types seem to predispose horses to these infections. This may explain why several animals on the same pasture become affected.

Other factors:

  • Constantly washing legs before and/or after work without fully drying them afterwards.
  • Standing in deep mud or soiled bedding.
  • Skin trauma, such as rubbing from overreach boots or incorrectly fitted bandages, chaffing from artificial surfaces such as sand or over-enthusiastic grooming.
  • Generally unhealthy skin or poor immune system.
  • White limbs or patches on the body possibly due to an associated photosensitisation issue.

Signs your horse may be suffering from Mud Fever

Generally it is easy to recognise and quite obvious to spot. You may see:

  • Scabby, broken skin often matted areas of hair with crusty scabs formed within it.
  • Depending on how bad you may see thick, creamy, white, yellowish discharge.
  • Heat, swelling and possible lameness can occur.
  • Mud Fever can often spread up the legs if left untreated. It can also occur on other parts of the body, ie, Rain Scald.
  • Eventual hair loss, leaving raw looking, inflamed skin underneath.

Mud Fever Treatment

Keeping the skin clean & dry is the basis of treating this condition. So potentially horses with bad cases could need to be stabled until fully healed.

Ideally the area needs to be free from scabs, should be washed, using a mild disinfectant such as surgical scrub or other medicated shampoos. Our fantastic advisors will be able to point you in the right direction.

And this must be rinsed well. Drying the limb thoroughly is vital. Once dry there are numerous creams, lotions & potions you can apply to help the healing process along but remember these must only be applied if the skin is completely clean & dry.

Bandaging can also be a good way to help keep the affected areas clean & dry, being cautious not to bandage too tightly. Antibiotics and anti-inflammatories may be required in some cases. So if you are concerned at any point seek veterinary attention.

Prevention is often better than cure, so in order to stop Mud Fever occurring in the first place:

  • Ensure bedding is clean & dry at all times.
  • Avoid over-washing.
  • If bandaging or putting on boots, ensure legs are clean.
  • If possible, rotate paddocks to avoid poaching or use electric fencing to block off any excessively muddy areas.
  • Consider using topical barrier creams.
  • Consider nutritional supplements for promoting healthy skin.

Be vigilant. The sooner you spot the first telltale signs of mud fever, the quicker you can take action and so prevent a lengthy and costly recovery.


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Watch series 90 Day Fiancé: B90 Strikes Back! full online free » Best site to watch Movies free and TV series online is CipFlix » 123Movies.

90 Day Fiancé: B90 Strikes Back!

Watch 90 Day Fiance: B90 Strikes Back Full Series Online. 90 Day Fiancé couples get a chance to clap back at haters and set the record straight. Cast members from B90—a nickname for 90 Day Fiancé: Before the 90 Days—watch clips from the show at their homes and strike back at burning tweets and social media posts.

Genre: Reality

TV Status: Returning Series

TMDb: 10


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Family Finance Manager

Dear Boys,

Call me gullible, but I learned from my friend Steven to let The Wife handle the finance. Back then I was just dating your mum, and very early during the relationship, I handed my bank account pass book to my then girlfriend, one evening at her parents’ place. She was surprised, I think pleasantly, it probably demonstrated to her that I am serious about the two of us getting together for the long haul.

Wife =  Finance Manager

Steve let his wife, Kat handles all the money stuff. He said as long as there is $$$ in his wallet, he is okay. All his earnings, he hand to his wife, who does the numbers. From a very early age, I have never question that logic and took it wholeheartedly.

Perhaps it is because I don’t really have a template for family finances. I never understood how my parents does their finances, as my dad was a businessman and my mum, The Housewife. I suspect that my dad does everything, and to be honest, he is not the best person to handle money.

So when I see that Steve’s approach seem to keep him wealthy, in this case monetary sense, so it simply occur to me that perhaps letting the wife does the money is a really good idea.

Money = Trust

The logic for me back then, dating your mum, was also simple. I wasn’t earning that much, and she can see that she is really dating a poor bloke. There are 2 rationale;

  1. She will either see my pathetic bank account and leave for a richer boy.
  2. She will take all my money and leave for a richer boy

She didn’t, in fact trusting her with my finances serves as one of the bedrock for our relationship.

Your money = my money

Back in those days where we were DINKies (Dual Income No Kids), there were never issues over who has who’s money, she gets her paycheck, I get mine, we all put it into a joint account and see all of our monies there.

We do not keep separate accounts as everything is put into one. I think it is a matter of the proverbial wife-husband joke “Your money is my money, my money is my money.”

But she has never put a limit on my spending, she has at times where finances were a little tight, told me to stinge, but this husband has never found himself short of cash.

Before I met your mum

My finances was basically hand to mouth, period. I have bills to pay, as well as school fees. So whatever I get, it will be used up pretty quickly. So it was certainly a good thing for me to hand my money over to your mum, as she has a better sense of things and that help me and of course the family, a lot.

The Guardian

Handling money is not something I would like to do, I can do I, but it is better to let the better person handle it; your mum.

Right now, as we are on a single income policy, I just focus on working to bring in the money, she focus on keeping and using the money I bring in.

There were some time in our past, where during my career transition, money was a bit short, and there was a deficit. I wasn’t earning enough to make ends meet. And over time, it eats into our savings and she kept all these from me. Part of our savings was a substantial severance package from her previous work, and most of that money, (her money to be specific) she put into the family. She kept all that from me, so that I don’t get stressed up and worried over the finances. I only learned about that recently, and I am forever indebted to her for keeping the family first. Using her money for the family.

Different Strokes for Different Folks

I’m not too sure how you boys will handle your family finances when you start your own family. There are many models out there. There is really no science to it. The most important thing to remember is that in a marriage, it is the ‘marriage first’, not longer Husband and/or Wife, and certainly not a case of my money/ your money.

Even if you have a spouse who earns more than you, don’t let your ego get in the way, in a marriage, it is a team thing, and always let the best person handle the task, if it happens to be you handling the finance the first order of the day is to make sure the family has some savings, make an ‘Us account’, be fully transparent. Try not to hide secret funds, from each other, unless you are saving some money to buy her a nice surprise.