Thursday 26 December 2013

New Year Celebration

Happy New Year from Free Study Abroad Guide

New Year the first day or days of the calendar year in various calendars, usually celebrated as a holiday.

Free Study Abroad Guide celebrate the Happy New Year 2014 by sending New Year Wishes, Messages, Cards and Greetings to your loved ones. Style your desktops with New Year 2014 wallpapers.

Welcome New Year 2014 Celebrate with  events showcasing NYC nightlife & celebrations at top clubs, lounges, bars, private event space and hotels. People Celebrate with greeting cards, gifts, resolutions, recipes and wallpapers. Fill your heart with new hopes, reach out for new opportunities and celebrate. Reach out to your friends, family. The yellow leaves, bare trees, morning chill, all signify just one thing now.  New Year is on its way again Soon, the air will be filled with greetings of "Happy New Year.

It is a complete guide to New Year 2014 celebrations.

Happy New Year from Free Study Abroad Guide

Sunday 22 December 2013

Merry Christmas

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Merry Christmas from Free Study Abroad Guide

The holiday season is also a time when many people still send out Christmas cards to friends and family around the world. Today's Christmas cards might feature anything ranging from a religious scene to some fun snowman characters spreading a little joy during the holiday season. Many families send photo Christmas cards to share their family photos, because holiday cards seem more special with a photo. Don't forget everyone loves a holiday party, so sending holiday party invitations is also crucial for the season.

Merry Christmas from Cheap Flight
Ah! Christmas, the biggest holiday of the year. Christmas has both a strong religious and traditional meaning. It has a certain feel, all to itself, that you usually do not feel at any other time of the year. It creates within us, a sense of kindness and concern for fellow man. At no other time are we more generous and giving. It creates a sense of family and belonging.

Everyone comes home for the Christmas holiday. It is a time of family and giving. It is truely a time that comes but once a year. Christmas is celebrated in most countries around the world. And so, we invite you to ride along. Join us in celebration of the magic, the wonder and the spirit of this holiday season. From all of us at Holiday Insights, we wish you a peaceful and prosperous Christmas holiday season, and a prosperous New Year

We've been good this year and we know you have been too! So, we hope Santa's bag is stuffed full of goodies for all of us.

Sunday 27 October 2013

Nokia Lumia 929 Caught on Video, Verizon by Thanksgiving

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Disappointed that the rumored Lumia 929 didn't surface at Nokia's big event this past week? Don't worry -- WPCentral forum member Falorin has posted photos and a video (after the break) revealing more details of Verizon's Windows Phone flagship. As previous leaks implied, the 929 is effectively a compact Lumia 1520; the 1080p screen resolution, 20-megapixel camera and Snapdragon 800 chip remain intact. There's no microSD slot, although there will reportedly be models with 32GB and 64GB of built-in storage. The biggest surprise is Nokia's use of a nano-SIM, which suggests that the company no longer minds using a competitor's SIM format. Those who like what they see might not have to wait long to try the new Lumia for themselves. If Falorin is accurate, Verizon hopes to release the 929 around Thanksgiving.


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Sunday 20 October 2013

Home & Flood Insurance Falls Short, Superstorm Sandy Victims

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NEW YORK (AP)
Many homeowners who got slammed by Superstorm Sandy are finding their flood insurance checks are nowhere near large enough to cover their repairs, and consumer advocates put some of the blame on errors by the multitude of adjusters who were hired in a hurry after the disaster. They say policyholders are being shortchanged sometimes by tens of thousands of dollars because of adjusters' inexperience and their overreliance on computer programs, rather than construction know-how, to estimate rebuilding costs.  Those critics point to policyholders like John Lambert and Lee Ann Newland, whose house in Neptune, N.J., is still a moldy wreck a year after Sandy filled it with 4 1/2 feet of water. If you buy drywall, flooring or a new boiler in New Jersey, you have to pay sales tax. But when the insurance adjuster was using computer software to calculate the cost of repairing the home, he neglected to click a box adding taxes to the estimate, according to a consultant hired by the couple.

That cost the family $11,000, and they say it wasn't the only thing left out of their claim: The adjuster failed to account for phone jacks that needed to be replaced, ceiling paint in one room, pipes that rusted because of contact with salt water, baseboard heating in places and other items.  "It was stupid things. Little things. But it added up to be a huge amount of money," Newland said. She is trying to get the insurance company handling her claim to add $49,000 to her settlement. "In our case, that is the difference between us rebuilding, or not."

Another homeowner, Joanne Harrington of Tuckerton Beach, N.J., said her adjuster had her down inaccurately as having electric heat instead of forced hot water. He said she had ceramic tile, when she had more expensive porcelain. A similar pattern has been repeated up and down the East Coast as insurance companies working with the federal government have processed nearly 144,000 claims filed with the National Flood Insurance Program after the storm.

Insurance companies dispute that large numbers of customers are being paid less than what they are owed. They say the vast majority of adjusters do a methodical, professional job, and any oversights are easily corrected if homeowners can produce proof that a covered expense has been overlooked.  "In a big event, you are going to get some people entering the industry ... and a percentage of those people are going to do great, because they are good people and they are smart, and they want to do a good job," said Jeff Moore, vice president of claims for Wright Flood, which handled more Sandy-related flood cases than any other company. "And there will be another percentage that don't do so well ... and those are the ones you get to write about in the paper."

Computer technology, he added, has made it easier than ever for newcomers to write up a claim properly, even if they know nothing about construction or insurance. "The software that they use, it's very easy. I could take you in a day and teach you to write an estimate," Moore said.  Some consumer advocates and homeowners don't see it that way at all.  Immediately after the storm, insurance companies brought in an army of adjusters from all corners of the country. They arrived with varying degrees of expertise. All would have had to have passed a certification test in at least one state. Many were veterans of past floods and hurricanes, but not all.

The Federal Emergency Management Agency, which oversees the flood insurance program, requires adjusters to have four years' experience. But newcomers with no track record can start work after a brief training period under certain circumstances, if they are working for one of the major insurance carriers that handle the bulk of flood claims.  Amy Bach, executive director of United Policyholders, an advocacy group for insurance consumers, said that for adjusters with no background in construction, there is a tendency to rely too much on software like Simsol, Xactimate and Symbility to tell them how much a repair job is going to cost.  "Some of these guys could have been selling oranges last week at a fruit stand, and this week they are an insurance adjuster," Bach said. "Instead of using (the software) as a tool to check the estimates produced by the contractors, they use them as a last word. But computers don't rebuild and repair homes. Contractors do." Claims software is widely used in the industry after major disasters and represents a break with the old practice of getting estimates directly from contractors. It is designed to take out the guesswork while offering a check against contractors who exaggerate the cost of a job.  The programs supply detailed prices, by ZIP code, for carpets, cabinets, light fixtures and almost every other part of a house, as well as the labor costs for tasks as simple as putting masking tape around electrical outlets before painting a room.  Using those programs properly involves entering an inventory of every piece of damage in the house, and every possible task that might be required to put the building back into its proper state. There are thousands of variables. Miss a few, and that means less money for storm victims.

Simsol's president, John Postava, said that like any computer program, it is only as good as the data people feed into the system: "Garbage in, garbage out." Simsol also operates an adjusting firm and had 158 adjusters working in the Northeast on Sandy claims. Postava said he is confident the great majority did a good job.  Two of the largest adjustment firms involved in the Sandy effort, Colonial Claims Corp. and Pilot Catastrophe Services, declined to make executives available for an interview.

Earlier this month, FEMA gave homeowners an extension until next spring to submit proof of their storm losses after lawmakers complained that thousands of constituents were still arguing with their insurance companies. To date, insurers have approved $7.8 billion in flood program payments to policyholders. Close to 92 percent of all claimants got at least some money. The average check was for $54,754. FEMA said it does not keep track of how many claims are still being disputed. But Moore estimated as many as 30 percent of Wright Flood's customers are probably still seeking a bigger settlement a year after Sandy an unusually high percentage, even for a major disaster.  He blamed a number of factors, including delays in having contractors start work because of uncertainty in many communities about what sorts of flood-proofing to require in rebuilt homes.  He said many homeowners are, indeed, getting stuck with repair bills significantly larger than their insurance settlements, but he blamed strict limits on what the flood program covers, not bad adjustments.



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Friday 18 October 2013

Apple’s iPhone 5s


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Apple’s iPhone 5s is outselling the cheaper iPhone 5c by more than two to one, market watchers estimate, amid reports that the Cupertino firm has slashed production of the plastic-bodied model. Demand for the iPhone 5c, which replaced the iPhone 4S at the $99-on-contract price point, has fallen significantly short of Apple’s expectations, it’s claimed, and while the two new handsets set sales records in the opening weekend of availability, the bulk of that interest is believed to be around the iPhone 5s.

At the launch of the iPhone 5c, which replaced what many assumed would be the iPhone 5 offered at a more affordable price, Apple insisted that it believed there was a distinct market for a more playful, colorful device. Now, however, the company is said to be warning suppliers Pegatron and Hon Hai’s Foxconn that it won’t need anywhere near as many handsets in Q4 as previously expected.

The cuts impact Pegatron the most, since the company produces the bulk of the iPhone 5c handsets Apple buys; that agreement was initially seen as a positive one for the firm, stealing Apple orders out from under arch-rival Foxconn. Pegatron’s production will be cut by less than 20-percent sources say, while Foxconn which is believed to produce around a third of the handsets will be tasked with making a third less than previously ordered.

Orders of parts are said to have been halved from individual suppliers, which could either indicate a stockpile of components that needs to be worked through, or that Apple expects the overall production rate of the iPhone 5c to remain reduced for some time into 2014.

Apple confirmed initial sales figures for the newest iPhone line-up, but declined to detail numbers for individual models. That hasn’t stopped analysts from making their own predictions: they generally range from Consumer Intelligence Research Partners guesstimate of 2-to-1, AllThingsD reports, through to 2.5-to-1 according to Canaccord Genuity, Reuters reports.

The wavering interest raises questions as to whether Apple segued too closely into the realm of cheap iPhones despite comments by Phil Schiller earlier this year that the company would stick to its premium approach. A budget device will never be the future of Apple’s products Schiller insisted back in January, pointing out that while the company may have 20-percent of the phone market, it also gets 75-percent of the profit, and would be unlikely to do anything to undermine that ratio.

Still, it’s also possible that Apple’s mistake was expecting a brand new albeit effectively a redressed iPhone 5 handset would do considerably better than the iPhone 4S did in 2012, when it was shifted from flagship position down to the mid-tier point. Numbers from Consumer Intelligence Research Partners indicate 64-percent of buyers opted for the iPhone 5s while 27-percent went for the iPhone 5c (9-percent opting for the iPhone 4S, now offered free on contract) this year.

In 2012, however, the analysts say 68-percent of the early sales were for the iPhone 5, with 23-percent opting for the $99-on-contract iPhone 4S, and 9-percent for the free-on-contract iPhone 4. The iPhone 5c seems to have done a little better than the iPhone 4S did last year, but not significantly so, suggesting that Apple’s expectations that the market would want color were over-ambitious.


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Thursday 17 October 2013

Brekford Corporation: Homeland Security Technology Service Provider


Brekford Corp. is a homeland security technology service provider of fully integrated vehicle installation and rugged technology and video solutions geared towards mission critical operations. For more than a decade we have provided services to branches of the U.S. military, various federal entities and numerous security and public safety agencies throughout the United States. We provide these agencies with an end-to-end suite of mobile communications, information technology, vehicle up fitting services, and automated traffic photo enforcement solutions that are designed to streamline procurement processes and offer maximum functionality to their day to day operations.

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Brekford is a one-stop shop for vehicle upfitting, cutting edge technology, video and installation. We provide ruggedized mobile computers, video and communications products, bumper-to-bumper vehicle modification products and services for homeland security, law enforcement, fire and emergency vehicles. The Brekford 360° approach provides our customers with a one-stop up fitting, cutting edge technology and installation service. The 360° approach is the only stop our customers need to make to purchase law enforcement vehicles (GM, Ford, Dodge), have them up fitted with lights, sirens, radio communication and rugged IT technology and then have them "ready to roll". Our 360° engineered bumper-to-bumper vehicle solution, our commitment to top quality fast reliable service, along with our streamlined purchasing process is why we believe Brekford is the best all-around vehicle and automated traffic enforcement solutions provider.

Products and Services
Law enforcement, fire department and EMS personnel have unique requirements for fleet vehicle up fitting and IT equipment to include characteristics such as ruggedness and reliability. The equipment must be able to work in extreme environments that include high levels of vibration and shock, wide temperature ranges, varying humidity, electromagnetic interference and voltage and current transients. Our rugged products and mobile data communication systems provide public safety employees with the unique functionalists necessary to enable effective response to emergency situations.

We distinguish ourselves by truly being a one-stop shop for vehicle up fitting, cutting edge technology, and installation services. Unlike our competitors, we provide customers with one place to purchase law enforcement vehicles that are not only up fitted with the traditional lights and sirens but also with rugged IT hardware and communication equipment.

For more than a decade, Brekford has been a distributor for most major brands in the mobile technology arena. We handle everything from Panasonic Tough books and Arbitrator® digital video systems to emergency lighting systems, vehicle GPS and vehicle armor and wireless technology. We believe we have all of the highest quality products our customers need to handle their day to day operations and protect the public they serve. Every product we sell is tested by highly trained technicians and guaranteed to work in even the most extreme conditions. We specialize in seamlessly incorporating custom-built solutions within existing networks and deliver our end-to-end solutions with service programs that work for agencies large and small, from turn-key drop shipping to municipal leases. Our commitment is to design and deliver solutions that meet or exceed industry standards for safety, ergonomics, reliability, serviceability and uniformity.

360° Vehicle Solution
Brekford 360° provides complete vehicle upfitting, mobile data and video solutions including municipal financing and leasing services for agencies. Brekford’s 360° vehicle solutions approach provides customers with one stop upfitting, cutting edge technology and installation service. Our 360° approach means this is your only stop to get smart law enforcement vehicles purchased, upfitted and serviced.

Vehicle Upfitting
We provide and install most major brands of law enforcement vehicle equipment. Our dedication is to provide and install equipment that ensures safe and efficient vehicles while incorporating the latest technological advances. We adhere to strict quality control procedures and provide comprehensive services. Brekford certified technicians provide our customers with the highest level of expertise and service from inception to completion, including maintenance and upgrades.

Video Solutions

Automated Traffic Enforcement System
Automatic Traffic Enforcement systems or Automatic Photo Enforcement Systems are one of a wide range of measures that are effective at reducing vehicle speeds and crashes. The Automated Traffic Enforcement (ATE) system is an enforcement technique with one or more motor vehicle sensors producing recorded images of motor vehicles traveling at speeds above a defined threshold. Images captured by the ATE system are processed and reviewed in an office environment and violation notices are mailed to the registered owner of the identified vehicle. The ATE system operates using digital technology with either unmanned or manned unique digital technology that is installed at the roadside where traffic violations are automatically detected by the system. When a violation occurs, the ATE system takes numerous digital images. A zoom shot is taken showing the vehicle license plate, then a wide angle shot showing make, model and color. Finally, after a short delay dependent on vehicle speed, another image is taken showing that the offending vehicle is in motion at the time of offense. In addition, a video sequence can be captured to show the offense. Along with digital images of the offense taking place, the Automatic Traffic Enforcement system will record data that is relevant to the specific location and offense. The images are encrypted and then stored, ready to be sent to the central system.

Speeding, defined as driving too fast for conditions, is one of the major contributing factors in crashes, deaths and injuries on roadways. Engineering, enforcement, and educational speed management techniques must be integrated and coordinated to effectively manage speed. Automatic Traffic Enforcement systems are one of a wide range of measures that are effective at reducing vehicle speeds and crashes when used correctly and in the appropriate circumstances. The fundamental objective underlying the use of ATE systems in school zones is straightforward: to encourage a change in driver behavior and increase driver awareness of speed-related crashes through a program involving public education, attitude change, and special visible enforcement.

In Car Mobile Video System
The Arbitrator In Car Mobile Video System from Panasonic Tough book is a rugged revolution in law enforcement video capture. The Tough book Arbitrator 360 is a rugged and durable mobile digital video system. The fully-integrated system offers unparalleled video capture (up to 360 degrees), storage and transfer, and is designed to work with back-end software for seamless video management, including archiving and retrieving.

Automatic License Plate Reader (ALPR)
Automatic License Plate Reader (ALPR) is an image-processing technology used to identify vehicles by their license plates. License Plate Readers (LPRs) can record plates at about one per second at speeds of up to 100 MPH and they often utilize infrared cameras for clarity and to facilitate reading at any time of day or night. The data collected can either be processed in real-time, at the site of the read, or it can be transmitted to remote centers and processed at a later time.

Electronic Ticketing System - Slick-Ticket
The Brekford Slick-Ticket product is a fully portable over the seat organizer for public safety vehicles, specially designed to house a printer and scanner to allow law enforcement officers to quickly access driver's license and registration information as well as issue tickets, warnings and citations.

Mobile Data Solutions - Mobile technology
Brekford develops integrated, inter-operable, feature-rich mobile systems enabling first respondents, police, fire and EMS, to obtain and exchange information in real-time. The rapid dissemination of real-time information is critical to determine and assure timely and precise resource allocation by public sector decision makers. As a premiere Panasonic Tough book partner, we augment these rugged laptops by designing and manufacturing vehicle mounting systems and docking stations for in-vehicle communications equipment. From rugged laptop computers, tablets and hand-held, GPS terminals, two-way radios, and full console systems, we provide ergonomically sound mounting products with full port replication.



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Wednesday 16 October 2013

Boost Supply by Chain for Car Industry


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The UK’s Car Industry plans to create 15,000 new jobs and 200 fresh projects in its supply chain over the next three years.

The sector hopes to capitalize on over £6 billion of investment in the last two years and an 8% rise in production in 2012.  The number of cars manufactured in the UK is expected to double between 2009 and 2017, hitting 2 million per year.

Chief executive of the Automotive Investment Organisation Joe Greenwell said: “The goal is to maintain and extend this momentum. I want to remove reasons why people may not want to come here.  “We need to recapture and repatriate business that we lost in the past few decades, business that went elsewhere to places like western and eastern Europe and Asia. We want to get it back.”

The Automotive Investment Organisation was set up earlier this year as part of a £3 million government scheme to boost the car manufacturing supply chain.



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Saturday 12 October 2013

Business Awards


The Finalists for the  MEN Business 2013 Awards.


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Firms in sectors from aviation to property and brewing to recruitment have made the shortlists for this year’s event. Scores of companies threw their hats into the ring for the awards, with judges visiting the hopefuls to run the rule over the entries.

In the category for businesses with a turnover of £100m or more, Manchester Airports Group capped a busy 12 months by making the shortlist.  The firm, which earlier this year concluded a deal to buy Stansted Airport, is joined by procurement and storeroom management software firm IESA, of Warrington.  The final firm on the shortlist for that category is oil and gas recruitment specialist Fircroft, which was founded in Sale in 1970 and now has its headquarters in Warrington, with 45 offices worldwide.  It is the battle of the brewers in the £50m-100m category, with Stockport’s Frederic Robinson going up against JW Lees, of Middleton.  The two beer-makers are joined by New Mills-based confectioner Swizzels Matlow, best-known for producing Love Hearts.  In the £25m-50m category, Manchester-Based Insurance Industry recruitment specialist Oliver James Associates makes the shortlist.

It is up against IT firm Intrinsic Technology, based in Haydock, and Assura Group, the listed developer and investor in primary healthcare premises, of Warrington. The firms up for the £10m-£25m prize include Manchester-based Duo Plastics, which makes polythene packaging products. It is up against fellow Manchester firm Party Delights, an online retailer of celebration products, and Liquid Personnel, a niche recruiter of social care workers, also based in the city.  There are four firms set to battle it out in the under £10m turnover category, reflecting the high volume of entries.  They include IT firms Outsourcery, headed by Dragons’ Den star Piers Linney, and Imerja, which specialises in the healthcare sector and has its headquarters in Bolton.

The two businesses will go up against packaging manufacturer Glossop Cartons and Whaley Bridge fashion distributor Country Attire.  The three firms up for the Young Business award are Manchester real estate firm OBI Property, food manufacturer SM Sauces, run by sisters Lisa and Helen Tse, also from the city, and Trafford Park marketing firm The Market Creative.  This year’s awards will take place at Manchester’s Midland Hotel on November 7.  Sponsors are law firm Pinsent Masons, business advisers PwC, data centre specialist Telecity and recruitment giant Robert Walters.  Speaker for the night is infamous businessman Gerald Ratner, with the event hosted by BBC presented Nicholas Owen.

MEN Media head of business Adam Jupp said: Arriving at the final shortlists was no easy task, with scores of great entries in all categories.  Thanks go to all the judges who have taken part in visits to the entrants and for the businesses themselves for being so accommodating. All finalists have done extremely well to make it this far.

All finalists will now give a presentation to a panel of judges who will then decide on a winner for each category.


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Friday 11 October 2013

INSURANCE

Flood Insurance


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WASHINGTON  Louisiana U.S. Sens. Mary Landrieu and David Vitter led a bipartisan group of 24 senators who wrote Friday to the Senate leadership asking that a plan to stop skyrocketing flood insurance rates be included in any viable legislative vehicle.

Last month, U.S. Reps. Bill Cassidy, R-Baton Rouge; Maxine Waters, D-Los Angeles, and the other House members of the Louisiana congressional delegation signed a letter with 73 members asking House leaders to help move a one-year delay to National Flood Insurance Program rate increases.

Speaking from the U.S. Senate floor Friday, Landrieu said lawmakers are still working to agree on the right changes to make to the flood insurance program, but that coalition to enact changes is growing. In Louisiana, this is our No. 1 problem and challenge right now, she said.  The NFIP was changed last year by Congress to make the program more financially self-sustainable. Many of the changes amount to phasing out the status that allowed properties built decades ago to be grandfathered into the flood insurance system at much lower rates.  The cure was worse than the disease, Landrieu said. The NFIP has been in financial distress with a loss of nearly $25 billion, largely due to payments made after hurricanes Katrina and Rita in 2005. Louisiana has nearly 500,000 flood insurance policies and there are more than 5.5 million NFIP policyholders nationwide.

Louisiana lawmakers specifically want to change some rates impacting grandfathered properties and a trigger that allows rates to jump suddenly to unaffordable levels when homes are sold in some areas. Rate increases for some properties began being phased in on Oct. 1.

The government shutdown has caused the indefinite delay of a congressional symposium and a U.S. House hearing to discuss the flood insurance concerns.  But Cassidy, U.S. Rep. Cedric Richmond, D-New Orleans, and a group of nearly 20 House members met behind closed doors on Wednesday to discuss possible solutions.  Cassidy said afterwards that many in Congress are recognizing the problem.

The system that’s been set up would put the program into a death spiral  at which point it ceases to exist, Cassidy said, adding that he recognizes House Speaker John Boehner, R-Ohio, is busy with government negotiations. But, I’d like to think that we can make this come to his attention, he said.  The House already approved a one-year delay to rate hikes and the Senate has a pending Homeland Security appropriations bill that does the same thing. The federal budget stalemate is preventing further progress for now.

The rate increases are beginning to being phased in this month. They apply to some homes and businesses built prior to the first 1973 federal flood maps.  The Oct. 1 trigger applies to properties  businesses, secondary vacation homes and homes that have been repeatedly flooded  that were grandfathered into artificially lower premiums for flood insurance before flood maps were created. Such impacted policyholders will see 25 percent annual premium increases over a few years.  But such subsidized properties sold after July 6 last year when changes in the law first began being put into service will not have their new rates phased in. That is because the rates for such subsidized residences are triggered all at once when a home is sold or the flood insurance policy lapses.

About 18,000 Louisiana policies will see immediate impacts as non-primary residences, businesses and repetitive-loss properties built before the flood maps.  Another 50,000 or so primary residences from before the 1973 flood maps are not impacted until they are sold or the policy lapses, according to FEMA.

However, many more policyholders currently not listed in high-risk flood zones will see rate hikes in a year or more as new flood maps are finalized. More properties will be listed in higher risk flood areas in updated maps as homes lose their grandfathered statuses.



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Tuesday 8 October 2013

Stopping Bonuses, Violation of Human Rights

Bank of England Warned for Stopping Bonuses,

It is a Violation of Human Rights,


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Tough new powers to strip top bankers of their bonuses at banks that need taxpayer support and to hold them personally accountable for management failures risk violating their human rights, the Bank of England has warned.

Officials said that the proposals would need to be carefully considered in order to comply with European human rights law.  The Bank's concerns about the proposals' legality came in response to the Parliamentary Commission on Banking Standards, which originally called for the tighter banking rules and was set up to investigate banking regulation in the wake of the financial crisis and the Libor interest rate rigging scandal.

The government has indicated that senior banking executives could be subjected to a "reverse burden of proof", requiring them to show they took reasonable steps to stop any rule breaches in the department they managed in order to avoid any disciplinary measures.  However, the Bank of England warned: "The use of remedial requirements or enforcement action must reinforce the deterrent effect of the new regime without encroaching upon human rights.  "The PRA [the Bank's Prudential Regulation Authority] is considering these questions closely with the Treasury and the Financial Conduct Authority."

The Bank also voiced concerns about proposals to restrict bonuses in state-backed banks, which could affect organisations like Lloyds and the Royal Bank of Scotland. The Bank said: "The PRA will consider how to address this, consistent with European Human Rights provision."  This comes after chancellor George Osborne launched a bid to save RBS from a £471,000-a-year EU annual bonus cap. Andrew Tyrie, the Tory MP who chaired the Parliamentary commission on banking standards, warned that the proposals needed to be "translated into action" and implemented in full.  Banks are not the only institutions to have suffered from serious lapses. So did regulators, he said.  The vigour with which the new regulators embrace the Banking Commission’s proposals  which give them new powers as well as new responsibilities  will be a litmus test of the extent to which they are putting these lapses right.

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Monday 7 October 2013

Drugs Pharmacy

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Texas officials on Monday refused to return lethal drugs they plan to use for an execution this week, despite a demand from the provider which wanted to remain anonymous but has been thrust into a controversy over capital punishment. Fly to go Texas, chose cheap flight i.e. www.cheap-flight-4u.com/

"The drugs were purchased legally by the agency," the Texas Department of Criminal Justice said on Monday. "TDCJ has no intention of returning the pentobarbital."  The statement from Texas, which executes more inmates than any other state, comes at a time when many states are turning to compounding pharmacies to secure lethal injection supplies after major pharmaceutical manufacturers have said they do not want their drugs used for executions.

The drugs mixed by compounding pharmacies are not approved by the U.S. Food and Drug Administration, and their use in providing execution drugs has come under fire from capital punishment opponents and others, who say the drugs these pharmacies provide may not be pure and potent and may cause needless suffering to the codemned.

Texas announced on October 2 that it had purchased pentobarbital from The Woodlands Compounding Pharmacy in The Woodlands, Texas, near Houston. Two days later, on October 4, Woodlands demanded the drugs be returned in a letter to state corrections officials and to the state attorney general's office. Company owner Jasper Lovoi said he had been promised secrecy by the state.

"It was my belief that this information would be kept on the 'down low' and that it was unlikely that it would be discovered that my pharmacy provided these drugs," Lovoi said in the letter. He demanded that the state "immediately return the vials of compounded pentobarbital."  A copy of Lovoi's letter was submitted as part of a lawsuit filed by three inmates on Texas' death row last week.

The inmates sued in part because of the state's efforts to rely on a compounding pharmacy for execution drugs. They said use of the drugs could be cruel and unusual punishment because they are produced by a compounding pharmacy and are not approved by the FDA, according to court documents.

Among the inmates suing the state is Michael Yowell, scheduled to be executed on Wednesday. U.S. District Judge Lynn on Saturday ordered the execution of Yowell to proceed. Yowell's attorneys said Monday they are appealing that decision to the Fifth Circuit Court of Appeals in New Orleans.

"The letter (from the compounding pharmacy) is further evidence of the TDCJ's pattern of misconduct with respect to their efforts to obtain the drugs and how they intend to proceed with executions," said Maurie Levin, one of the attorneys representing the three inmates.

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Sunday 6 October 2013

Miranda Kerr Suffers Wardrobe Malfunction Double Nipple Slip on Red Carpet - Pictures


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The supermodel was adjusting her hair when her laced see-through dress readjusted itself to expose her boobs

Oh dear, Miranda Kerr has suffered another embarrassing double nipple slip.

The stunning supermodel was on the red carpet in New York City when her revealing see-through dress failed to save her modesty.

Her laced floral-designed dress was strategically covering her nips without so much of a mishap.

That was, of course, until she started fiddling with her hair and unknowingly exposed BOTH her boobs to the snapping photographers.

Miranda, 30, was attending the premiere of Mademoiselle C on September 6 when the blushing incident happened.


The wife of Hollywood actor Orlando Bloom isn’t unfamiliar with flashing a bit of flesh in her day job but it’s not the first time the former Victoria’s Secret beauty was left red faced.

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At a photoshoot on a Miami beach in May, the mum-of-one suffered a similar double-slip when a gust of wind robbed her of a jumper when she was completely bra-less.

She hasn’t ever been too bothered by it...








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British Army 'Screwed Up' After Taliban Attack on Camp Bastion Killed Two American Marines, Claims US General


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British Army 'screwed up' after Taliban attack on Camp Bastion killed two American Marines, claims US General

A Former US Military General claims the British army 'screwed up' after two US Marines were killed during a Taliban attack on Camp Bastion last year, it has emerged. The British army was responsible for security on the base when the attack - which also injured 16 soldiers - took place in September last year.

US Major-General Gregg Sturdevant, who was forced to retire following the attack , claimed today that the British army should have strengthened security at the military base, which houses around 30,000 coalition forces.In a statement released to The Independent, Major-General Sturdevant claimed he did not realize until after the attack that "there were unmanned towers out there... The Brits were embarrassed."  He added: "It took a while for the real story to come out. It was unfortunate, and it was not a pretty story. For the tower to be unmanned with the terrain out there, I questioned that."

Following the attack - which left eight American aircraft worth more than $200m either destroyed or damaged - the US took over responsibility for security.  Major-General Sturdevant added: "I told them that we were no longer willing to accept not being in charge of overall security.  "The attack definitely changed the environment. They knew that they had screwed up."  The claims were made in newly released documents by the US military which were previously secret.  It comes as British forces prepare to leave Afghanistan by the end of next year.

Following the claims, the Ministry of Defence said it is to "consider" the findings of the US review.  An MoD spokesman said: "Following the attack on Camp Bastion in December 2012 the UK has contributed fully to a number of Isaf, US and UK reviews. As a result, force protection measures at Camp Bastion have been reviewed and are appropriate to current threat levels.  "As stated in the US review, a concertina wire, a ditch, berm obstacle and a 30ft high boundary chain link fence were in place around Camp Bastion at the time of the attack.

"The US review further states that a separate internal perimeter fence would likely not have presented any serious challenge, barrier or impediment to the enemy on the day of the attack.  "The insurgents were repelled by US Marines and Royal Air Force Regiment personnel whose courageous actions prevented greater loss of life and equipment.  "While the US Review was intended to examine US actions only and not those of coalition forces, the UK will consider its findings in detail to confirm our earlier assessment that no further UK action is required."



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Monday 30 September 2013

Pakistan Hit by Major Earthquakes

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At least 15 people killed after second quake in region where 515 people died on Tuesday

At least 15 people were killed when a major earthquake hit Pakistan's south-west on Saturday, days after another quake in the same region killed 515 people. The US Geological Survey said on its website that a 6.8 magnitude quake was felt in Pakistan's south-western Baluchistan province.

The Pakistani Meteorological Department measured the earthquake at 7.2 magnitude. The department said its epicentre was located about 90 miles (145km) west of the town of Khuzdar.  There were no immediate reports of casualties, said Abdur Rasheed, the deputy commissioner of Awaran district, where both quakes occurred.

Since then tens of thousands of people have been sleeping under the open sky or tents. Rasheed said they had received reports that some homes that were damaged but still standing after Tuesday's quake had collapsed on Saturday.

He said they are trying to get information whether people were living in some of the partially damaged homes.  "Today's earthquake damaged the already damaged buildings and homes," he said.  There may have been little left to damage after Tuesday's disaster. Few of the mud and homemade brick houses in the area survived the 7.7 magnitude quake that levelled houses and buried people in the rubble across the district of Awaran.  Bodies are still being discovered in houses whose mud walls and wooden roof beams had collapsed.

"My daughter was killed when my house collapsed - I was also inside my house but managed to run out," said 70-year-old Gul Jan told Reuters. "We are sitting under the scorching sun and need shelter."

In Labash village near Awaran, more than half of the 3,000 houses have collapsed and those still standing have wide cracks.  "Everywhere we go people are asking for tents," legislator Abdul Qadeer Baloch said.

Chief Pakistani meteorologist Arif Mahmood told Pakistani television that it was an aftershock from this week's earthquake and such tremors might continue for weeks to come. The aftershock struck about 18 miles to the south-southwest of where Tuesday's earthquake struck, according to the US Geological Survey.

Sunday 29 September 2013

Twin Blasts over 33 Killed in Peshawar, Pakistan

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Twin blasts in the Northwestern Pakistani city of Peshawar have killed over 33 people and injured more than 70, a week after bombings at a church there killed scores.  Islamist violence has been on the rise in Pakistan in recent months, undermining Prime Minister Nawaz Sharif's efforts to tame the insurgency by launching peace talks with the Taliban.  The blasts outside a police station hit an area known as Quiswakhani, or the storytellers' bazaar, crowded with shoppers. Police said they thought at least one of the explosions in the city close to the Afghan border had been caused by a car bomb.  There was no immediate claim of responsibility. Taliban spokesman Shahidullah Shahid condemned the attack.  Two policemen tried to hold back the crowd gathered outside the Lady Reading Hospital in Peshawar, where many of the victims had been taken. Nine members of one family were among the dead.

The blasts follow an attack by a Taliban faction on Peshawar's Anglican church last Sunday that killed more than 80 people, the deadliest assault on Christians in predominantly Muslim Pakistan.  The Taliban have repeatedly rejected Pakistan's constitution and have called for the full implementation of Islamic law and for war with India.

Mr Sharif was due to meet Indian counterpart Manmohan Singh on the sidelines of the United Nations General Assembly later today, only hours after Singh described Pakistan as the "epicentre of terrorism in our region".

Friday 27 September 2013

Dockyard Road Building Collapse: 21 Rescued, 9 Dead, 22 Injured as rescue operations are still on

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A 5-Storey building (ground+4) near Dockyard Road railway station collapsed around 6 am on Friday morning. The building, which was built in 1980, had its ground floor leased to a decorator.  As Mumbai faced showers on Friday afternoon, the rescue work at the site where a five-story building had collapsed, has been hampered.

Though the debris are still being moved, the speed of the effort has been affected.
40 people are still believed to trapped in the building. This could include a reporter of a leading Marathi daily who also stayed in the building.

The death toll in the Mumbai building collapse has now reached five, with four deaths reported from JJ hospital and one from Nair hospital.

A 5-storey building (ground+4) near Dockyard Road railway station collapsed around 6 am on Friday morning. The building, which was built in 1980, had its ground floor leased to a decorator.

Reports suggest that the building, which was on the eastern side of the railway station, was sent a notice for being in a dilapidated condition.  It was a BMC colony, with most, if not all, occupants being BMC employees and their families.

Monday 23 September 2013

Iran Takes Charm Offensive to UN, Agrees to Nuclear Talks

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New York: Iran's New Government took its diplomatic charm offensive to the United Nations on Monday and agreed to new talks on its nuclear program with top diplomats from six world powers, including US Secretary of State John Kerry.

The meeting bringing the top US diplomat and new Iranian Foreign Minister Mohammad Javad Zarif around the same conference table will be highly unusual given the United States has not maintained diplomatic relations with Iran since 1980.   The announcement of the talks planned for this week during the UN General Assembly in New York, raised hopes that the annual summit of world leaders could bring a thaw in relations between arch-enemies Iran and the United States.   US officials have also said a meeting is possible this week between President Barack Obama and Iran's new centrist president, Hassan Rouhani, who has shown an apparent desire to take a more conciliatory approach towards the West since taking office last month.  If that meeting were to happen, it would be the first between US and Iranian government heads since before the 1979 Islamic revolution that toppled the US-backed Shah, and could help ease tensions in the Middle East that have been worsening given the crisis in Syria.

Iran is a key ally of Syrian President Bashar al-Assad, a US foe whose country has been torn by civil war since 2011.   UN Secretary-General Ban Ki-moon has invited world leaders attending the General Assembly, including Rouhani and Obama, to attend an annual luncheon at the United Nations on Tuesday. That would be one possibility for the two men to meet briefly. Obama skipped last year's UN luncheon, but the White House said he would attend this year.

Obama and Rouhani will both address the assembly on Tuesday.   EU foreign policy chief Catherine Ashton said after talks with Zarif that he would join her and his counterparts from the five permanent members of the UN Security Council and Germany at a meeting that has been scheduled for Thursday to discuss Iran's nuclear program, which is at the heart of tensions between Tehran and the West.

The West believes Iran has been trying to develop nuclear weapons and is determined to stop this, imposing tough economic sanctions. Iran says it is not trying to produce a bomb but has insisted on its right to enrich uranium for the purpose of peaceful energy production.   The EU, led by Ashton, has chaired the talks between Iran and the so-called P5+1 - Britain, China, France, Russia and the United States, as well as Germany - which have made little headway in spite of years of negotiations.

Ashton said the meeting in New York would be "short discussions," and added that she would represent the P5+1 in a meeting with Zarif in Geneva in October.   The last time a US secretary of state and an Iranian foreign minister spoke face-to-face appears to have been more than six years ago.  In May 2007, then-US Secretary of State Condoleezza Rice made clear she was open to talking to her Iranian counterpart, Manouchehr Mottaki, at an international conference in Egypt, but the encounter amounted to pleasantries over ice cream.   State Department spokeswoman Jen Psaki said Washington was ready to work with Rouhani if his government engaged seriously in efforts to resolve the nuclear issue.

A senior State Department official said Iran's meetings this week with European officials and ministers would show whether Iran was coming with concrete new proposals "and whether this charm offensive actually has substance." 

Sunday 22 September 2013

Protest Against the Kidnap, Strike Continues in Quetta, Pakistan

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QUETTA: The strike by young doctors is in progress against the kidnapping of doctors of government hospitals in the city; Pakistan Medical Association also threatened to begin complete strike at all government hospitals in the province.

It should be mentioned here that Heart Specialist Dr. Munaf Tareen was kidnapped three days ago near Pishin Stop. The abduction took place some days after Assistant Professor Dr. Muhammed Ahmed was recovered.

The PMA Balochistan threatened to call for complete strike in all government hospitals across Balochistan, as the provincial president of association Dr. Sultan Tareen asserted that government did not come into action where as the abductors were identified.

He noted the association informed the government that the kidnapped doctor was kept in Miranshah, adding the association’s representatives are doing their bit for the release; but, the administration did not do anything in this regard.

“We will go on strikes. We will come on roads,” the PMA Balochistan official warned.

Balochistan Chief Minister Dr Abdul Malik Baloch ordered the concerned authorities to make arrangements for the early recovery of Dr. Munaf and a report be produced to him in this case on daily basis.

Thursday 19 September 2013

Floods Affect Nearly One Million Across Pakistan

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Pakistani Disaster Management Officials say flooding caused by heavy monsoon rains has affected nearly one million people and taken the lives of 139 others across the country during the last three weeks.


The floods have washed away roads and bridges, and large parts of the country are still under water.

"The rains affected 931,074 people, killed at least 139 and wounded 804 others," a senior National Disaster Management Authority (NDMA) official said on condition of anonymity.

He said that the rains had lashed 3,826 villages and destroyed 13,262 houses all over the country.

The official further noted that around 243 relief camps have been set up to help people, mostly in the central province of Punjab, the southern province of Sindh and the southwestern province of Balochistan.

The NDMA says 47 of the dead are from Punjab province. Sindh province is the next hardest hit with 34 people killed.

Many villagers are reluctant to move, and say they will stay in the flood-affected areas as long as they possibly can.

We don’t have enough tents. We have left everything behind. There isn’t enough food to go around. We need help, a woman at one of the relief camps near the city of Multan said.

The Pakistani government says it is doing all it can to help the flood survivors.

Monsoon season generally starts in the late summer in Pakistan and is marked by heavy rains that often lead to widespread flooding of rivers and streams.

Pakistan suffered its worst monsoon floods in 2010, when 21 million people were affected and almost 1,800 lives lost. 

Tuesday 17 September 2013

Human Relief Foundation Launches Emergency Funding Appeal for Sudan

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Bradford-based international aid organisation Human Relief Foundation has called for emergency funding to support a quarter of a million people in desperate need after flooding in Sudan.

The organisation is currently providing food, water, shelter and blankets to some of the 250,000 people affected by heavy rain across the country.

But the charity, based at Claremont, has warned that recent reports indicate a rapid response is needed to help 50,000 families currently suffering as the situation continues to worsen.
According to reports, at least 53 people have been killed and 77 others injured across the country due to the recent spate of heavy rain and flooding, which has also destroyed thousands of homes since the beginning of August.  A total of 13 states have so far flooded, with more rain expected to fall over the coming weeks.

The World Health Organisation has issued reports calling for urgently- needed mobile health clinics, insect nets and clean water facilities to stop the spread of water borne diseases, and there is an urgent need to feed and shelter those who have been forced to leave their homes. More than 20,000 people are thought to be in extreme need, whilst the remaining 230,000 are in urgent need of assistance.
Dr Salah Daak, international programmes director for the Human Relief Foundation, said: The situation in Sudan is worsening. There are already a quarter of a million people in need of help and there are further rains anticipated.

Most at risk are elderly people, children and pregnant women. There is severe concern over the threat of illness, thirst and starvation. We urgently need the international community to respond and help us as much as they can.

The Foundation said £5 would provide a family in Sudan with clean water for a week and relieve the need for them to drink dirty and potentially deadly floodwater.

The charity has permanent offices in Khartoum, where it works with the World Health Organisation to run health clinics benefiting more than 130,000 poorly people every year. Last year these clinics vaccinated more than 14,000 children in Sudan against polio, tuberculosis, tetanus toxoid, diphtheria and rotavirus as part of one of the biggest immunisation efforts in the country.

The Human Relief Foundation , which was founded in 1991 in response to the war in Iraq, has international offices strategically placed to respond to emergency situations and works with the World Health Organisation, United Nations Development Programme and European Union to help those affected by disasters.

Monday 16 September 2013

First Human Case of West Nile This Season

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A Stratford resident who became ill in July is the first human case of West Nile virus this season.

The resident is between 60 and 69 years of age and became ill during the last week of July after being bitten by mosquitoes, according to the state Department of Health.

The person was not hospitalized and is recovering, according to health department officials.
Symptoms of the illness included joint and muscle pain and diarrhea and lab tests confirmed the presence of antibodies to the virus.

"If you’re planning to spend time outdoors this Labor Day weekend, it’s very important that you take steps to protect yourself from mosquito bites,” Department of Public Health veterinarian, Dr. Randall Nelson, said in a statement. “Using insect repellant, covering bare skin and avoiding being outdoors during the hours of dusk and dawn are effective ways to help keep you from being bitten.”

Since June 27, the state has identified West Nile virus positive mosquitoes at trap sites in 16 towns Branford, Bridgeport, East Haven, Fairfield, Glastonbury, Greenwich, Groton, Manchester, New Haven, Norwalk, Plainfield, Stamford, Stratford, Wallingford, Waterford and Westport.

The highest numbers have been found in coastal towns from Greenwich to Branford and in central Connecticut in Glastonbury, state officials said.

Dr. Theodore G. Andreadis, Chief Medical Entomologist with the Connecticut Agricultural Experiment Station, warned that the presence of West Nile virus could continue through September and expand to more communities.

In addition to West Nile virus, mosquitoes with eastern equine encephalitis virus have been identified in the Pachaug State Forest in Voluntown prompting the Department of Energy and Environmental Protection to close part of the forest to recreational activities and two camp grounds there. 

Sunday 15 September 2013

Health Officials Go Door-To-Door Warning, Testing For Dengue Fever

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MARTIN COUNTY, Fla. -- State health officials go door-to-door in Martin County to test and warn residents about dengue fever.  They knocked on Elizabeth Pride’s door Friday afternoon.  They’re just trying to see if it’s being spread, she said.  The Florida Department of Health in Martin County is taking the fight against Dengue Fever to the streets. They’re planning on knocking on 700 doors in the Rio and Jensen Beach neighborhoods.

This survey is going to help us give us a good handle as to what’s going on in this community, Renay Rouse with the Florida Department of Health in Martin County said.

The door to door effort is providing prevention information, a risk assessment survey, and with consent from residents, they’re even taking blood samples.

To date, there are 18 confirmed cases of dengue fever in Martin County.

Health officials are planning on knocking on doors in the neighborhoods through next week. They’re also encouraging people to drain standing water and cover your skin with either clothing with repellent.

Sunday 8 September 2013

Damages Claimed for Flood Victims

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KARACHI: Chairman Pakistan Relief Foundation (PRF) Haleem Adil Sheikh on Friday said that 0.5 million people have been affected by floods in Sindh, but the provincial authorities have failed to provide sufficient relief to them.

Chairman PRF said the government should announce damages for rain and flood affected people of province.

He demanded of the government to dispatch medial teams in flood-affected areas and conduct fumigation in affected areas in order to save people from waterborne diseases.

He expressed these views while addressing a press conference at Karachi Press Club. The office-bearers of PRF were also present on this occasion.

Adil said 47 people lost their lives and approximately 32,000 houses were damaged in recent floods in the province, but provincial government has only distributed 10,000 tents and 1,500 ration bags to flood victims.

He said rains forecast for September by metrological department could bring further destruction in province if appropriate efforts are not taken.

Adil said repeated yearly floods have badly affected the people of province economically.

He said around 335 Goths were affected owing to rainwater that entered the area of Gadap Town in Karachi.