Wednesday, August 28, 2013

Frequency 8 Takes the Kandi Kids

If you've been in San Francisco for any significant amount of time, chances are good that you've at least heard of the Frequency 8 crew. Since the '90s, the outfit's done a lot to further the position of trance in the Bay Area via its lavish raves, record label, and now-shuttered Haight street record store. Not being too familiar, I enlisted the help of a good friend of mine who grew up in the genre. I asked him if he wanted to to go the party, and his response captured the theme of enthusiasm that began to course through the rest of the night: "F-8!? No way! I used to drive down from Sac just to go to their parties, that's what got me into dance music!"

We had a group of about five situated in the middle of a packed dancefloor at DNA Lounge. We stood out like sore thumbs, wearing drab clothes next to the clubland equivalent of a tropical aquarium. Everywhere there was eye-piercing color: neon blue, bright red tracing off the edge of a light glove, flashes from highlighter yellow glowsticks, and mounds of multi-colored "kandi" bracelets -- fog did little to obscure the rest. The music was melodically lush, but played at an arrhythmia-inducing speed. It was trance. The DJ, Thomas Datt, moved like an orchestra conductor, emulating the superstars of the late-'90s with carefully chosen poses that gave the illusion he was controlling every element from the patter of high-hats to the genre's tell-tale rushing drops. Below him, a flat-white geometric construction reflected psychedelic scenery of endless clouds, '80s vector graphic mountains, and other assorted digital landscapes. Two girls in white bikinis and feather boas walked by, their mouths a garble of confusing rainbows generated by LED-saturated pacifiers.

One of the most startling things about the night was how young everyone was. Going into this blind, I assumed that Frequency 8, being one of the older trance crews, would draw an gemstone beads. This wasn't the case; instead everyone present appeared to be between the ages of 18 and 21, with relatively few outliers -- those who were older blended in by virtue of the kandi kid subculture's fixation on pre-teen accoutrements. This had a nice fringe benefit in that none of the bars were ever busy, though I imagine that says more about the consensus choice of substance than anything else. Age aside, it was a very diverse crowd, with the aforementioned kandi kids mingling easily with a misfit assortment of anime otaku, unabashed Redditors, furries in full garb, and a troop of people clearly invested in totally losing their minds.

Trance as a musical genre, when listened to for long enough in a club setting, has a weird effect at high volume. It sucks you into its swirling melodies and ambient wafts of synthesizer. It's immersive in a way that's similar to techno, though the feeling is more dreamy. At the front of the room, a small group of partiers rested standing against the stage with their heads tucked into their arms. I felt my own consciousness drift away into the music, catching myself five or 10 minutes later almost dozing off to the monotonous ebb and flow of the rush. It was at that point that we decided to gather our wits and leave the main room for a while to visit "The Observation Deck," the party's second room dedicated to hardcore, gabber, and drum 'n' bass.

I'm not the most eloquent notetaker while out reviewing these parties. Looking back though, my one sentence about the upstairs room seems relevant: "worm of pure energy, drilling thru my ear." This was indeed a much more hardcore experience than the comparatively pleasant dream music of the main room. It was pure aggression, with a similar crowd hyping themselves up and pogoing to blasting hits of 180 BPM+ hardcore. The DJ, whose name I didn't catch, mixed these sounds on the fly in truly old-school fashion with the crustiest looking box of vinyl records I've seen in the wild. Hyper remixes of Skrillex's "Scary Monsters and Nice Sprites" mingled with more esoteric fare, but proved a huge hit with a dancefloor that rarely wavered throughout the night. Eventually the music switched, moving towards futuristic interpretations of drum 'n' bass with little bits of dubstep thrown in for good measure. The aggression was awesome, but even better was the earnest party spirit and unironic punk ethos that filled the air.

By the time we made it back to the main room, the tempo had caught up with the music upstairs. Now it was Scott Brown on the decks and he was working fast to cram in as many heavy-hitting hard-trance tracks as he could before the 2 a.m. cutoff. Booming hoover basses and near incomprehensible kick drum patterns flashed from the subwoofer in five-minute blurts before melting into gooey synth pads played beatlessly as interludes. With each track he pushed faster, playing a string of tracks that included Captain Tinrib vs Mars & Mystr?'s "Save the Rave," Art of Trance's "Madagascar," and Mars' "Pachelbel 8000." Throughout it all he wove in a repeating spoken word vocal that affirmed again and again, "You're rocking with the best!"

They got burned on their sensationalist claims that hydraulic fracturing caused flaming faucets. They were sunk by their own studies showing that fracking was responsible for groundwater contamination. They've sent in the Justice Department to harry the biggest names in the industry over so-called anti-competitive practices. Now the government's newest assault on the practice comes from the Occupational Safety and Health Administration, which is proposing new, stricter regulations on the sand that's used in the fracking process.

Fracking, which has been done for more than 60 years, is a process in which drillers pump large amounts of Wholesale beads, fluids, and chemicals deep into the ground under high pressure and cause the shale rock to crack. The fluids contain sand or ceramic beads called proppants that prop open the fissures and allow the gas and oil to flow more freely.

But as the practice has grown exponentially, environmental activists and regulators suggest that the sand itself presents a health hazard to workers much the way asbestos does. Silica isn't like beach sand, but rather is a much finer, purer material. Imagine clouds of dust billowing up when a saw cuts through concrete, and you get the idea of what they're suggesting workers are breathing in.

While the Obama administration estimates 700 lives a year can be saved by putting new rules in place, industry representatives say the current regulations already adequately protect workers because they reduce or completely eliminate the risk of breathing in the fine particulates. Moreover, the cost of the new regs would be huge. The new rules also apply to industries outside oil and gas, and the metal-casting industry alone says they will cost about $1.5 billion annually to implement.

Under the proposal, companies would have to cut in half the amount of silica exposure currently allowed for general industry and maritime workers, and by 80% in the construction industry. Part of the problem with the new rules, however, is there is a dearth of certified labs available that can measure the levels of silica dust OSHA wants to reduce them to, though the agency has magnanimously said it would be willing to delay the lab requirements for two years to allow the industry to catch up.

Read the full products at http://www.bestjewelrybeads.com/!

Meet 7 Women who redefine Independence

I still remember that post her accident and the subsequent treatment at AIIMS, Arunima tried to meet me several times, but I was travelling. The day I reached Jamshedpur, she called again and said she would come to meet me the next day. I didn’t take her seriously. How would she get the tickets so soon? But she reached. That was the day, I realised how focused she was.

When we met, she told me she wanted to climb Everest. I was stunned! Sometimes I still can’t believe it. I told her, by setting such a goal she had already climbed her first Everest.

I asked her to come for the Tata Steel Adventure Foundation (TSAF) outdoor leadership program. We tried to create a motivating, positive and supportive atmosphere for her. It didn’t happen overnight. In the beginning, the team held her hand and took her up and jewelry findings. Later we trained her with load, increasing it gradually. Then we taught her to walk on ice and finally took her to 13,000 feet to test her physiology on high altitudes. It took one year for her to prepare.

The journey wasn’t easy, but she converts every problem into an opportunity. If she found  something difficult, she would want to do it again. Looking at her zeal and courage, we presented her details to our MD and sponsored her Everest climb. I also told the MD of the company we had tied up with in Khatmandu that he should not show her pity, but understand what she is made of and support her. She dragged herself physically, but did it.

Mom never lets people know of her worries. We grew up in a very protective environment. Only when I was around 10 years old, did it register that things were amiss. I learnt of my fathers’ addictions even later, around age 16. My sister and I didn’t see the rough side, but when you’re living at your maternal grandmother’s house, and your dad’s fine through the day (he used to drop us to school every morning), but you’re kept away from him in the evening, you know something is wrong.

Mom’s focus was on fending for the family and ensuring that we move up in life. Her day started at 4 am, so in a lot of ways our grandma mothered us. Mom started a business with jams and crystal beads wholesale. Later she put up a small kiosk selling tea, coffee and snacks at a marina in Chennai. Then came the first major turning point for her — getting a contract from the National Institute of Port Management. She had to be there full time, because footfalls ranged from hundreds to thousands.

Every day we saw her getting tougher and tougher. Realizing the kind of ordeal mom was going through for us, our bond with her grew very strong. Today, when I’ve joined the business and deal with skilled labour, I often ask her, ‘How did you handle these people?’ I guess her strength lies in her straightforwardness; she’ll tell you things to your face if she thinks something’s wrong. At the same time, she easily senses if you’re not fine and will act on it.

I was always interested in the food industry, but knowing the kind of struggle it requires, she didn’t want me to pursue it. Moreover, inspired by travel tales of the navy officers I met, I joined the navy, and worked for a Norwegian company. During the time I was away, my sister and she grew very close. She wouldn’t tell me she missed me, but managed to find a way to reach me even on the ship. I was the only person aboard to get a call every week. When my sister and her husband expired due to an accident, soon after their wedding, mom went completely out of line. She stopped going out for three to four years. It was difficult to see her that way, and watch twenty years of her hard work go unattended, so I decided to take it up. When I made mistakes, she advised and corrected me but didn’t resume work.
FICCI came to us at this point of time; the award was a complete game changer. A regular person just works to make a living, not to get media limelight, but the award made mom recognize her own achievement. Colleges invited her to speak on entrepreneurship. Seeing that so many people looked up to her, she realized she that shouldn't get bogged down. She became active again. Now, she doesn’t micro manage because she wants me to grow, but advices me and monitors things from time to time.

But Suzy fought every odd that life threw at her. People who stayed around her before the accident were now out of sight. Suzy didn’t lose hope. She focused on ‘what next.’ Confidence and optimism led her to the path of becoming one of the most successful stock traders in the Asian market, in 2005. Today, Suzy runs a very successful celebrity talk show, conducts motivational lectures for NASA scientists, is a TED speaker and runs an NGO (Shraddha) for spinally injured children. She has adopted two children whose parents died of spinal injury. Coming from a middle-class background, she may not have the luxuries of life but she has peace of mind.

'Is baar beta paida karna, sab theek hoga (this time, make sure you give birth to a son then everything will be sorted)’ is what my mother-in-law said when she first, heard I was pregnant with Pooja. God had already blessed me with a daughter so my family didn’t want a girl child again. When Pooja was born in 1985, no one visited us, in the hospital, for three days. I didn’t have a change of clothes for Pooja or for myself. Finally, on the tenth day, my husband came to take us home. But, clearly, we were not welcome. He would often tell me to get rid of Pooja; send her to an orphanage. I had to choose between my husband and Pooja. I chose my daughter. ‘This girl will make me proud,’ is what I told my husband while parting ways.

With Rs.82 in my pocket, I began a new life in Mumbai with Shubhra and Pooja. I would cook some food, leave two glasses of milk and lock them up at home before stepping out to office.  In the need to give the best to my daughters I decided to leave them back in Mumbai with my mother and move to a better-paying job, in Goa. Often, Pooja would call, cry over the phone and ask me to come back to Mumbai. When I moved back to India after 4-5 years, I was happy to see Pooja grown up into a strong-minded and independent girl. I remember, in school, when her friends would ask about her father, she would simply say, ‘he’s away on the ship.’ Pooja has never questioned me about her father. She would share her feelings, her insecurities with Shubhra, who was an anchor to her.

Read the full products at http://www.bestjewelrybeads.com/!

Tuesday, July 30, 2013

Cyberattacks on rise as credit

It's a sad fact of modern American consumer life. Every time we swipe a piece of plastic at a gas station, grocery store or anywhere else, we're vulnerable to virtual pickpockets.Increasingly, credit and debit card numbers have become commodities sold by cyberthieves who harvest them from banks, businesses, restaurants and retailers.

"The sophistication of these attacks is unprecedented," said G. Mark Hardy, president of National Security Corp., a Tampa, Fla.-based cybersecurity consulting firm.Last year, targeted attacks on businesses jumped 42 percent, according to security software firm Symantec. Attacks spiked 31 percent among companies with fewer than 250 employees.

In recent years, restaurants, grocery stores and even the city of Sacramento, Calif., have had their computer systems hacked or compromised.It's part of a shift from mass attacks by computer viruses, worms and other cyberthreats to more pinpointed, targeted infiltrations, say online security experts. The attackers, often located overseas, "find this method more effective because it allows them to fly under the radar and avoid drawing widespread attention to their malware," Brian Burch, vice president of consumer and small business marketing at Symantec,Buy Silicone IPAD Case at wholesale prices from leading Chinese wholesalers, said in an email.

Small businesses are frequently targeted because they often lack adequate security practices, said Burch. Additionally, because small firms often partner with bigger organizations, cybercriminals "sometimes use them to gain access to a larger company."Typically, thieves who steal the data from retailers and other targets aren't the ones who use it to rack up fraudulent charges. "There's an underground ecosystem for the sale, transfer, purchase and exchange of stolen credit card and debit card information," said security expert Hardy.

Retailers that process credit card transactions must follow the industry's safe-practices guidelines, known officially as the Payment Card Industry Data Security Standards. The so-called PCI guidelines require retailers who accept credit and debit cards to maintain a computer network firewall, employ tough passwords and take other precautions.Retailers who don't comply face fines of up to $100,000 per month and can be held financially responsible for fraud investigations and compensation to victims.

Unfortunately,Our top picks for the Winbo Iphone Headset and gear, said Hardy, retailers can do all the right things but still get attacked."It's like wearing your seat belt, putting your kid in a car seat and having air bags in your car," said Hardy. "You can still be hit by someone driving through a red light."Under PCI standards, retailers can't hold onto a card's PIN, the three-digit security code or sensitive information stored in a card's magnetic stripe. In any card transaction, the company's software must automatically delete that information.

Companies can, however, keep a card holder's name, account number and expiration date, such as when they ask your permission to retain the information for automatic payments, subscriptions and the like.While the PCI standards are considered a good starting point, there are additional layers of software and computer security precautions available, say computer security experts. Among them: Change default passwords so they're not easy to guess, restrict the use of PCs involved in processing card transactions so that employees surfing the Web don't unwittingly pick up computer viruses, and train cashiers to look for plastic devices stuck into card readers to steal information.

Students and young adults with only small incomes would do well to avoid credit cards. It might be better to opt for a debit card that is linked to a transaction account. That way, you will spend only the money you have and incur only minimal account-keeping fees.

Credit cards can be convenient, especially when travelling overseas and making purchases online. And a credit card can be good to have in case of an emergency. But unless credit cards are used wisely, they will be very expensive. For starters, foreign purchases will usually have a foreign transaction or currency conversion fee of 2 per cent to 3 per cent. And then there are the eye-watering interest rates charged on late payments.

Those interest rates on credit cards can be more than 20 per cent a year if the debt on the card is not paid off in time. Usually, the marketing for the cards will say the cardholder has up to 55 days to pay off the card without being hit with interest.What is not well understood is that with most cards the whole debt has to be paid off by the due date to avoid interest. In other words, even if part of the debt is paid off by the due date, the interest will apply to the entire debt.

Regardless of whether the whole debt is repaid, the card requires a certain minimum amount of the debt to be paid off each month.There are penalties in failing to pay the minimum. The interest could be charged back to the purchase date and the interest-free period could be cancelled on further purchases.

You should also be aware that paying for a taxi or booking a flight with a credit card is likely to incur a surcharge. Paying by debit card sometimes incurs a smaller surcharge or no surcharge at all.For those who get into trouble with their credit cards, the credit-card companies have a ready solution: the balance transfer offer, where a card has a low-interest or interest-free period on the balance that is transferred.

Sources said that the government is moving in this direction with a view to modernize the distribution system as well as check the misuse of permits by persons other than those for whom they have been issued on health and various other grounds.

"It was seen that very often people other than the permit holder would approach the licensed outlets with permits like ration cards and take away the liquor. This meant that the liquor was being consumed by someone else instead of the person for whom it was meant. Secondly, the introduction of smart card and biometric system will help in streamlining the inventory records and monitoring the regular sale Custom Winbo silicone bracelets and Silicone Wristbands,of liquor," said an official.

He disclosed that quite often, instances of pilferage by lower rung staff deployed at sales outlets also come up. The system will help check this practice.

At present there are around 50,000 registered liquor consumers in Gujarat. These include around 20,000 ex-servicemen who procure their quota from the CSD canteens in defense establishments. The remaining 30,000 civilian permit holders obtain their quota from the licensed outlets.

There are 26 licensed outlets in Gujarat and majority of them are in the four big cities of Ahmedabad, Surat, Vadodara and Rajkot. "In fact these outlets are in only 11 of the 26 districts of the state. The permit holders residing in the other cities have to travel inter-district to get their quota," said the official.
Read the full products at http://www.winbogifts.com/products/working-card-holder.html.

Elegy of a race car driver

Sometime after 10:30 on a Thursday morning in May, after he'd had his cup of coffee, Dick Trickle snuck out of the house.Our top picks for the Winbo Iphone Headset and gear, His wife didn't see him go. He eased his 20-year-old Ford pickup out on the road and headed toward Boger City, N.C., 10 minutes away. He drove down Highway 150, a two-lane road that cuts through farm fields and stands of trees and humble country homes that dot the Piedmont west of Charlotte, just outside the reach of its suburban sprawl. Trickle pulled into a graveyard across the street from a Citgo station. He drove around to the back. It was sunny. The wind blew gently from the west. Just after noon, he dialed 911. The dispatcher asked for his address. 

The funeral was four days later. It was small. There weren't many people. Maybe 50, mostly family. A few were old crewmembers from Wisconsin and Kansas City. Kenny Wallace, a driver who made Dick Trickle his mentor, was there. So was Kenny's older brother Rusty, the former Winston Cup champ who used to call Dick every Monday. Mike Miller and Mark Martin, both drivers, came. Nobody else from NASCAR did. Dick wanted it that way. 

There was no eulogy. The pastor only said a few words. But he didn't go on long. Soon, everybody had left the church and headed down the road to Dick and Darlene's place in Iron Station. Kenny hugged Dick's son Chad. 

The suicide. That didn't seem like Dick at all. People who knew Dick had heard something was wrong. A lot of them weren't sure what it was. Kenny asked Darlene if she'd seen this coming. No. She had no idea anything was wrong until a Lincoln County sheriff's deputy pulled into her driveway on Thursday afternoon. 

After Dick shot himself, Chad called Kenny. Darlene wants you at the funeral, he said. "You know," he said next, "we're all big Kenny Wallace fans." That sounded like a Dick Trickle call. There weren't many short phone conversations between Kenny and Dick. If the phone would ring and Dick's name was on the caller ID, Kenny would think twice about answering if he didn't have an hour to talk. But they still talked all the time. Dick was still giving him advice. Back in 2011, Kenny called to talk about his new Nationwide Series race team. He told Dick he'd lost some weight. He was ready. You've got a new car now, Dick told him. Do not change your driving. Let the car do the work for you. Kenny had 11 top 10s and finished seventh in points, his best showing in years. 

The calls started to slow down. Kenny wasn't sure why. Dick really didn't talk about it. In 2011, Kenny's father, Russ, an old-school racer who won a lot around St. Louis,Custom Winbo silicone bracelets and Silicone Wristbands, died at age 77. Your dad lived a great life, Dick said. He was in pain, but he's fine now. Dick could justify anything, but Kenny thought it was odd how quickly he'd made sense of his father's death. 

After Dick's funeral, Kenny had an idea. "Darlene, maybe we should make some T-shirts," Kenny said. New ones. With Dick Trickle's name on the front. Just something so his fans could remember. 

Most of the stories people tell about Dick Trickle aren't quite right. They aren't wrong, but they just aren't what they appear to be. He was bowlegged, and walked with a slight limp. That must be from a lifetime of crashes, right? Wrong. There was that commercial from 1997 where Dick Trickle talked about a contest for guessing the winner of the Napa 500. "A little tip," he smirked, "it's gonna be me." Instantly, text flashed on the screen: Dick is 0 for 243 in Cup races. "And remember, November 16th could be a real big day." That's 0 for 243, the screen said. If you saw that, and didn't know much about racing, you'd get the impression that Dick Trickle never won anything. 

Same thing if you watched SportsCenter in the early '90s. You'd hear Dick Trickle's name alongside a litany of middle to back-of-the-pack finishes. Dan Patrick and Keith Olbermann thought the name sounded like a joke, so they said it as often as they could after NASCAR highlights. "I thought, Well, this guy's not any good,'" Patrick told SPIN magazine in 1996, which pointed out Trickle's last place finish in the Daytona 500 that year. "But he's a good old boy and he really represents what NASCAR used to be. He just loves to drive." Patrick and Olbermann weren't the only people who kept referring to Dick Trickle by his full name. Announcers did it. Fans did it. At the track, only his wife called him Richard. To everyone else, Dick Trickle had that three-syllable cadence that made you want to say the whole thing, like Kasey Kahne or Ricky Rudd. At first, it's funny, then familiar and finally it just feels easy, not formal. When you say Dick Trickle, you know a story is coming. 

When Dick Trickle finally got to NASCAR, to the biggest stage he'd ever been on,Buy Silicone IPAD Case at wholesale prices from leading Chinese wholesalers, he was fading. By that time, people had attached a lot of labels to him, some true, some half true and some not true at all. Hard drinking. Hard partying. Hard living. Veteran. Journeyman. Chain smoker. Respected by racers and loving fans who could appreciate who he was and what he'd done, he had become a caricature to many, misunderstood by a new group of people who only saw him as a coffee drinking, cigarette smoking, old-school racer. If you were one of them, you might think that Dick Trickle wasn't good enough to hack it in NASCAR. That he never got the chance to run in the Cup series as a young man. And that too, like so many of the labels, is not quite right either.
Read the full products at http://www.winbogifts.com/products/coaster.html.

Sunday, July 28, 2013

Cover for a growing business

Listen to the insurance jeremiahs and they will tell you one thing: growth is a double-edged sword and a growing business tied to an insurance policy not adjusted for that growth is a dangerous combination.Even the simple act of moving has its risk implications. If you've moved into larger premises to accommodate new staff, you should review the lease agreement and your current policy, says GIO's senior leader, commercial portfolio, Leigh Smith.

If you are starting to use subcontractors as part of your business, there is a risk you may be liable for injuries to them in the course of their work for you."Workers compensation insurance may not cover this exposure, so it's important to check with your insurer that you have public liability coverage for this potentially very costly risk.,

Smith says of equal importance is checking that each subcontractor has their own insurance in place for injuries or damage they may cause.The point of all this is if it's worth insuring a simple move, what other insurances might need to be added?Unless a business is extremely simple, it will almost invariably need the advice of a broker. This means that whatever policies he or she nominates, a back-end commission will be charged.

What do you get in return? The broker's role is to assess future risk and possible exposures and cover them with an array of insurances from a number of providers.We bring a perspective to the purchasing decision and analyse possible exposures, says Cameron Douglas, manager of client services at insurance brokers Marsh Australia. It's not just about purchasing the insurance but understanding a company's risk profile, and every small business will have a different one.

Most insurers in the SME market offer "business pack" insurance, which packages up the key covers. The pack might offer anywhere from five to 15 options. These tend to be the basics: fire, money loss, burglary and public liability.Douglas says that generally for cover of $5 million, insurance premiums would be equivalent to about 0.15 per cent of that sum assured. From that a broker would usually take anything from 15 to 22 per cent as his commission.

In restricting the hosts to 124 for nine in reply to their total of 135 for seven,Buy Silicone IPAD Case at wholesale prices from leading Chinese wholesalers, the tourists took the series 2-0 and moved up to second in the international rankings behind Sri Lanka.West Indies, the world T20 champions, dropped to fourth in what was yet another setback following hard on the heels of the 3-1 loss to the Pakistanis in the preceding one-day international series.

"It was a tough tour and credit must be given to everyone associated with the squad for the success that we have enjoyed here,Custom Winbo silicone bracelets and Silicone Wristbands," said a delighted Pakistan captain Mohammad Hafeez, who also played a key role with the ball in dismissing the dangerous but out-of-form Chris Gayle cheaply for the second time in two days."When we saw the pitch, we knew, with our four spinners, that any total of 135-140 would have given us a chance, and so it worked out."

An unbeaten 46 by man of the match Umar Akmal and 44 from opening batsman Ahmed Shehzad paced Pakistan to a total that was always going to be challenging on a slow, turning surface ideally suited to the sub-continental team.Spinners Sunil Narine and Samuel Badree shared five wickets for the West Indies in what would prove to be an ominous precursor of the task the home side had to face in the quest to get a share of the honours.Of course, circumstances drastically change premiums. Insuring a plastics factory C with the very real risk of fire C may cost as much as 0.75 per cent of the sum assured, while a less risky business in a suburban office block may only require premiums equivalent to 0.08 per cent. A comprehensive SME insurance policy should end up costing no more than $5000 to $6000, Douglas says.Leigh Smith at GIO adds in other noteworthy insurances, such as those covering new equipment and building insurance to match the total replacement cost of equipment and contents if lost in a single event. Increases in stock and changes in revenue also need to be considered, as well as the effect of staff increases.

Your insurance should cover the cost of replacing all your stock if it was to be completely lost," Smith says. "Fortunately, many policies offer an option for seasonal increases to account for business trends, but you should check this is available and appropriate for you.

A spokesman for QBE mentions general covers such as motor vehicle, personal accident, employee dishonesty, professional liability, theft, money, glass, machinery breakdown and tax audit insurance, as well as some of the more occupation-specific covers such as marine transit.The two big policies that brokers tend to stress are business interruption cover and trade credit insurance.Many tend to think of business interruption as a catastrophic event such as a fire or flood, but this is not always the case.

An example is a food poisoning event in a restaurant which results in the reduction of customers for an extended period of time, says QBE.Trade credit insurance is designed to protect the lifeblood of business C its cash flow. It is of particular importance when you consider that, on a typical balance sheet, uninsured debtors represent an average of 40 per cent of a business's current assets, QBE says.

Douglas at Marsh asserts that in the building industry in particular suppliers regularly go out of business, which creates a domino effect across the sector.

This kind of insurance is either very hard to get or extremely expensive, he says. The more a builder worries, the more he will want to insure and the higher the premiums become.

Two other insurances that are gaining traction among small businesses are key personnel insurance to cover valuable personnel loss and cyber-crime insurance, which covers malicious attack by third parties as well as the loss of conOur top picks for the Winbo Iphone Headset and gear,fidential information from databases.
Read the full products at http://www.winbogifts.com/products/ear-cap.html.

High Praise for Google's Video-Streaming Chromecast

How much does it cost to turn your dumb TV into a Smart TV?Just $35 with Googles new Chromecast. The low price has led the innovative streaming device to sell out on Amazon and Best Buy, just a day after it was announced.Chromecast, a device that is about the size of a USB flash drive, plugs into the HDMI port of your television and it lets you send internet video from almost any screen (phone, tablet or computer) to your TV.

This is Googles next attempt to enter the video streaming market, which includes more expensive competitors like Roku and Apple TV that range from $50 to $100. As Gizmodos Managing Editor, Brian Barrett,Buy Silicone IPAD Case at wholesale prices from leading Chinese wholesalers, points out, the Chromecasts biggest asset is its $35 priceEven if you use it twice and never look at it again, it will have been totally worth it, Barrett said. When's the last time you could say that about any gadget, ever?

Netflix is one of the first apps that is compatible to play with Chromecast, and for a limited time Google had offered to give away three months of free streaming Netflix with the purchase of its device.But Google announced that it would end the promotion Thursday, according to the Los Angeles Times. "Due to overwhelming demand for Chromecast devices since launch, the 3-month Netflix promotion is no longer available," Google said in a statement.

Despite Forbes contributor Jason Evangelhos call for you to Go out and buy one, you cant on most online outlets because they are already sold out, as of Thursday afternoon. But you can still purchase one now through the Google Play Store.Chromecast doesnt use a remoteit is controlled by your phone or computer, so you dont need to learn a new interface, Evangelho wrote. Thats a big advantage because there are no unfamiliar buttons or menus; you can open the YouTube app on your iPhone, press the cast button, and it will begin playing on your television.

And thats a huge benefit of the Chromecastyou can use your iPhone (and other Apple products) to control it because it is multiplatform, PC Magazines Damon Poeter said. While Apple TV only works with iPads,Custom Winbo silicone bracelets and Silicone Wristbands, iPhones and Mac computersall Apple devicesGoogle has not constricted its device to its own products. All phones and tablets running iOS or Android are compatible with Chromecast. You can also control it from a Mac or Windows computer via the Google Chrome internet browser.

When using the competing Apple TV streaming feature, youre locked into the video app on your phone while you watch it on TVyou cant switch apps or the video will stop.Our top picks for the Winbo Iphone Headset and gear, Chromecast solves that problem by allowing users to multitask and open any other applications on their second screen while the TV continues to play.A nifty feature, which is not currently offered in competing devices, is the Chromecasts ability to turn on the TV, switch to the proper TV signal input, and automatically start playing your video just by pressing one button on your tablet, GigaOMs Janko Roettgers said.

No product is perfect on the first launch, and Chromecast has its share of drawbacks as well, according to Mashables Emily Price. Its biggest downfall is the amount of content, she said, because it is currently limited to YouTube, Netflix, Google Play, and Chrome (which is a feature still being tested). Competitors offer other services including Hulu and HBO Go. You also cant watch any photos or videos that you have stored on your phone on the TV screen with Chromecast either.One of the misconceptions is that all you need to do is plug it in to the TV and youre ready to go; but thats not the case, Barrett noted. Chromecast wont charge through your TV so you need to power it via a USB cable.

The Corsair was one of the more disappointing, though, coming in consistently with significantly lower speeds in the random read test than its peers. It manages to come in with a middle-of-the-pack performance for the random write test, but is also slightly off the pace for the larger file tests.

The Seagate is a similar story, looking even worse than the Corsair for the random read tests, and giving a middling performance for random write. It did well internally for the large file write test, though.

The Kingston SSD really didn't like being mounted in our old 2009 MacBook Pro. When connected over Thunderbolt, it delivered good speed - for the smaller random read tests, it was a leader - but when connected to the SATA II interface in the laptop, it consistently delivered around half the speed of the others.

The OCZ Vertex 4 was thoroughly disappointing in the random read tests, coming consistently bottom for all but the smallest tests. But it wiped the floor with all the others for the random write tests. Sadly for it, read speed is more important for home users.

The Samsung is built for reading, not writing. It offers leading (or near it) read speeds across the board, but the reverse is true for write speeds. This makes it great for casual users, then, but professionals will want to steer clear.
Read the full products at http://www.winbogifts.com/products/keychains.html.

Thursday, July 25, 2013

GCAA final report links

The UAEs General Civil Aviation Authority has issued its final air accident investigation report on the crash of the UPS cargo plane that crashed on September 3, 2010, in the desert outside Dubai.On that tragic day, at about 7:51pm local time, United Parcel Service Flight 6, a Boeing 747-400F, crashed while attempting to land at Dubai International Airport.The flight had departed from Dubai approximately 45-minutes earlier as a scheduled cargo flight to Cologne, Germany, but the flight crew declared an emergency and requested an immediate return to Dubai. The airplane impacted inside an Emirati army base near a busy highway intersection, approximately nine miles from Dubais international airport. The two flight crew members were fatally injured.

The report published yesterday, says that the investigation concludes with reasonable certainty that the location of the fire was in an element of the cargo that contained, among other items, lithium batteries.The UAE GCAAs report states that the fire began in the section of the cargo that included a significant number of lithium type batteries and other combustible materials and added that the fire escalated rapidly into a catastrophic uncontained fire.

The 322-page report into the crash, which killed both pilots, points to the presence of lithium batteries in the cargo as a possible reason for the ignition that then engulfed to other combustible material around. It is possible that a lithium type battery or batteries, for reasons which cannot be established, went into an energetic failure characterised by thermal runaway and auto ignited starting a chain reaction which spread to the available combustible material, the report concludes.Malfunctioning lithium batteries have been more recently linked with the temporary grounding of the entire fleet of Boeing 787 Dreamliner aircraft after a fire in the battery of a parked Japan Airlines 787 aircraft was reported, followed by an emergency landing of an All Nippon Airways 787 due to smoke emerging from its lithium battery.

Lithium batteries have a history of thermal runaway and fire, are unstable when damaged and can short circuit if exposed to overcharging, the application of reverse polarity or exposure to high temperature are all potential failure scenarios which can lead to thermal runaway, the GCAAs report maintains.Once a battery is in thermal runaway, it cannot be extinguished with the types of extinguishing agent used on board aircraft and the potential for auto ignition of adjacent combustible material exists.

The report states that investigators found no items other than the lithium batteries capable of causing the fire among the debris. The cargo identified on scene included clothing, machined parts and subassemblies, flashlights, gun parts, costume jewellery, cases for electronic equipment, USB flash drives, un-populated circuit boards, espresso makers, automotive entertainment and navigation systems,Winbo silicone bracelets bike frames, pellets for injection moulding, wrist watch components, rubber bracelets, cell phones, MP3 and MP4 players, mannequin heads, wigs, shoes, the report states.

No items posing a flammable fuel load or capable of acting as an ignition source were visually identified except for batteries and battery containing devices, it adds.The report also maintains that shippers of some of the lithium battery cargo loaded in Hong Kong did not properly declare these shipments in addition to not providing test reports as mandated by the UN Recommendations to verify that such these battery designs were in conformance with UN Modal Regulations.

At some point prior to the fire warning, contents of a cargo pallet, which included lithium batteries, auto-ignited, causing a large and sustained cargo fire which was not detected by the smoke detectors when in the early stages of Pyrolysis, the investigation concludes.The uncontained cargo fire directly affected the independent critical systems necessary for crew survivability. Heat from the fire exposed the supplementary oxygen system to extreme thermal loading, sufficient to generate a failure. This resulted in the oxygen supply disruption leading to the abrupt failure of the Captains oxygen supply and the incapacitation of the captain, the report states.

The progressive failure of the cargo compartment liner increased the area available for the smoke and fire penetration into the fuselage crown area, it says. The rate and volume of the continuous toxic smoke, contiguous with the cockpit and supernumerary habitable area, resulted in inadequate visibility in the cockpit, obscuring the view of the primary flight displays, audio control panels and the view outside the cockpit which prevented all normal cockpit functioning,Our top picks for the Winbo Iphone Headset and gear,Buy Silicone IPAD Case at wholesale prices from leading Chinese wholesalers, it adds.The UAE GCAAs investigation report lists the sequence of events that led to the tragic crash of the Boeing 747-44AF aircraft.

On September 3rd 2010, a Boeing 747-44AF departed Dubai International Airport on a scheduled international cargo flight to Cologne, Germany.Twenty two minutes into the flight, at approximately 32,000 feet, the crew advised Bahrain Area East Air Traffic Control that there was an indication of an on-board fire on the Forward Main Deck and declared an emergency.

Bahrain Air Traffic Control advised that Doha International Airport was at your ten oclock and one hundred miles, is that close enough?, the Captain elected to return to DXB, configured the aircraft for the return to Dubai and obtained clearance for the turn back and descent.A cargo on the main cargo deck had ignited at some point after departure. Less than three minutes after the first warning to the crew, the fire resulted in severe damage to flight control systems and caused the upper deck and cockpit to fill with continuous smoke.

The crew then advised Bahrain East Area Control [BAE-C] that the cockpit was full of smoke and that they could not see the radios, at around the same time the crew experienced pitch control anomalies during the turn back and descent to ten thousand feet.The smoke did not abate during the emergency impairing the ability of the crew to safely operate the aircraft for the duration of the flight back to DXB.

On the descent to ten thousand feet, the captains supplemental oxygen supply abruptly ceased to function without any audible or visual warning to the crew five minutes and thirty seconds after the first audible warning. This resulted in the Captain leaving his position. The Captain left his seat and did not return to his position for the duration of the flight due to incapacitation from toxic gases.

The First Officer[F.O], now the Pilot Flying [PF] could not view outside of the cockpit, the primary flight displays, or the audio control panel to retune to the UAE frequencies.Due to the consistent and contiguous smoke in the cockpit all communication between the destination and the crew was routed through relay aircraft in VHF range of the emergency aircraft and BAE-C.

BAE-C then relayed the information to the Emirates Area Control Centerin the UAE via landline, who then contacted Dubai ATC via landline.As the aircraft approached the aerodrome in Dubai, it stepped down in altitude, the aircraft approached DXB runway 12 left, then overflew the northern perimeter of the airport at 4500 ft at around 340 kts . The PF could not view the Primary Flight Displays or the view outside the cockpit.

The Pilot Flying was advised Sharjah International Airport was available at 10 nm. This required a left hand turn, the aircraft overflew DXB heading East, reduced speed, entering a shallow descending right-hand turn to the south of the airport before loss of control in flight and an uncontrolled descent into terrain, nine nautical miles south west of Dubai International Airport.
Read the full products at http://www.winbogifts.com/products/luggage-tag.html.