INTERNSHIP LAUNCHED FOR STUDY OF ... - Business Islamica

New internship to analyze sector with over $270 billion in estimated assets

Today a multinational group of companies dedicated to the Islamic banking industry announced the first nominee for the Islamic Banking & Finance internship, cosponsored by Bank of London & the Middle East (www.blme.com) in London, Wafi International in Riyadh (www.waficorp.com) and Safa Investment Services (www.safainvest.com) in Geneva and Riyadh.

Thomas R. Woods, graduating end 2012 from Durham University (U.K.) with a Master?s degree in Islamic Finance, was chosen to serve for six months.? Fluent in Arabic, Mr. Woods will focus first on global capital markets and professional asset management from the BLME offices in London, and then will conduct the first-ever study of historic investment returns at Islamic endowments (awqaf) at the Safa offices in Riyadh.? Wafi will supervise Mr. Woods? work in Saudi Arabia.

Saudi awqaf, which have an estimated $270 billion in total assets, are considered a key potential contributor to economic development in the Kingdom of Saudi Arabia and the wider Muslim world.? Growing at estimated double-digit rates annually, these endowments could potentially fuel broad areas of investments, from IPOs to secondary capital markets and sukuk.? Globally awqaf are thought to have at least a half trillion dollars or more in total assets, making awqaf one of the largest pools of investment funds in the Muslim world.

The role of awqaf in economic development is not well understood.? It is thought they mostly own local real estate assets, with little diversification.? The Islamic Banking & Finance internship was designed to address this information gap.? The results of Mr. Woods? research will be published in the financial media in March 2013.

Bank of London and The Middle East is the largest independent FSA-authorized Islamic bank in Europe. ?It is led by a management team that brings together a combination of experienced international bankers and leading experts in Islamic finance. ?The core divisions that make up BLME?s competitive offering are Corporate Banking, Treasury and Wealth Management comprising Private Banking and Asset Management.

Wafi International is the first company specialized in the development of non-profit organizations and social responsibility programs across the Gulf region. ?Its professional staff works to improve the professional management of social projects of non-profit organizations and the social responsibility sector, in particular charitable organizations such as awqaf. ?Wafi installs professional best practice and world-standard business management for non-profit organizations in Arabia.

Safa Investment Services is the world?s first offering of sharia-compliant independent asset management.? From offices in Geneva and Riyadh, Safa combines advanced analytics common among professional asset managers with a respect for sharia.? Safa is offered in Switzerland by Islamic Wealth & Asset Management S.A., and in Saudi Arabia by The Investor for Securities.? See www.safainvest.com.

John A. Sandwick, Manager of Safa Investment Services, says, ?The world is changing, yet most awqaf still make the same investments as they did over a hundred years ago.? We feel the results of this internship will raise a few eyebrows.? Of the quarter trillion dollars in Saudi awqaf we see almost no professional asset management.? Beneficiaries of endowments?mostly the poor and needy?may be better off if we can point to ways for improved administration of this enormous and fast-growing pile of assets.?

Source: http://businessislamica.com/2012/07/25/internship-launched-for-study-of-investment-returns-at-islamic-endowments/

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BP, Transocean faulted over preventive efforts in gulf spill

WASHINGTON ? Before the 2010 Gulf of Mexico oil spill, BP and drilling rig owner Transocean focused their safety efforts on curtailing worker injury rather than preventing catastrophic well blowouts, all but ignoring critical lessons from two near-misses just before the Deepwater Horizon explosion, according to a new federal investigation of the disaster.

The report issued Tuesday by the Chemical Safety Board is the latest in a string of federal and independent inquiries into the blowout of BP's Macondo well, which killed 11 workers in the ensuing blast and spewed nearly 5 million barrels of oil into the sea, making it the country's worst offshore environmental accident.

Although each report has exposed practices and events that led to the disaster, the investigations' findings have overlapped enough to expose what was a highly dangerous deep-water drilling project marked by lax safety, poor communication and ad hoc decision-making.

The board's report suggests that BP and Transocean Ltd., along with federal regulators, should have known better. After a 2005 explosion at its Texas City, Texas, oil refinery that killed 15 employees, BP vowed to institute a new safety system that assessed risks and hazards. Five years later, the company had made progress at its onshore activities but not offshore.

"When asked about rollout in the Gulf of Mexico, a high-level BP manager stated to the CSB, 'We were just getting started,'" according to the Chemical Safety Board report.

Instead, BP, Transocean and the federal regulator, the Minerals Management Service, which has since been reorganized, paid attention to a checklist of worker slips and falls, which translate to lost man-hours and money. Even now, the report said, companies and federal regulators look at past events, such as fires and injuries, rather than adopting systems prevalent in other oil-producing countries to predict and prevent trouble.

"It is almost as if they are driving a car by looking in the rearview mirror," the report concluded.

BP said that outside inquiries and its own investigation had prompted substantial changes. "After the accident BP alone stepped up and, as the CSB has recognized, has taken concrete steps to further enhance safety and risk management throughout its global operations," the company said in a statement.

Transocean did not cooperate with the board investigation and is being sued by the Justice Department to comply with the board's subpoenas.

In a statement, Transocean said, "We are gratified that the CSB recognized Transocean's ongoing commitment to personal safety on all our rigs and in our constant drive for best practices, we will, as always, review industry recommendations regarding process safety management."

The report noted that Transocean and BP both experienced near-misses that held important lessons that could have proved useful at the Macondo well. In December 2009, in "an incident that eerily foretold the fate of the Deepwater Horizon," a Transocean drilling rig in the North Sea also had oil and gas flowing up the well onto the platform. Disaster was avoided because the blowout preventer staunched the flow. But Transocean's findings were not "fully communicated" to workers outside the North Sea.

On March 8, 2010, more than a month before the Deepwater Horizon disaster, oil and gas traveled up the Macondo well for 33 minutes before BP workers and others realized it. According to the Chemical Safety Board, BP did nothing to address the delayed response to the well "kick."

At the same time, federal regulators gave both companies prizes over the years for good safety programs. The year of the fatal disaster, Transocean awarded its top management bonuses for their safety record.

The report noted that BP, Transocean and many other companies already use a more comprehensive safety approach in countries that require it, such as Norway and Britain for North Sea operations. The report did not offer an explanation as to why BP did not employ such practices in the Gulf of Mexico, especially after the Texas City disaster.

Najmedin Meshkati, professor of civil, environmental and systems engineering at USC, said such fundamental change required a sustained commitment at the top level, which BP did not have.

Exploration and production at BP "had their own deep-seated culture" apart from the refining business, said Meshkati, a member of the National Academy of Engineering/National Research Council panel that issued its own report on the disaster. "I heard from a reliable source that in the pursuit of profits, BP's longtime CEO, Lord John Browne, unofficially adopted Oscar Wilde's quote, 'consistency is the last refuge of the unimaginative,' as the company motto. And we all know well what inconsistency can do to system safety."

neela.banerjee@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/EmaGGdH5ErA/la-na-bp-report-20120725,0,5433675.story

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Krieger Ford Deals & Specials: Latest Deals For Wednesday, Jul 25th

2011 Ford Mustang with 10,138 miles
2011 Ford Mustang for sale in Columbus
*** 2011 FORD MUSTANG GT PREMIUM CONVERTIBLE ***, ONE OWNER, ONLY 10,138 MILES, BALANCE OF FACTORY WARRANTY, LEATHER SEATING, TRACTION CONTROL WITH ABS, UPGRADE BORLA EXHAUST, SHAKER STERIO, CRUISE CONTROL, KEYLESS ENTRY --- Krieger Ford is a locally owned, family operated Ford dealership serving Central Ohio for over 40 years. Krieger Ford has been located at our current location, 1800 Morse Rd. for more than three decades. During that time Krieger has maintained Ford Master Certified, dependable and friendly management staff, sales team, service technicians and advisors. Our sales, parts and service departments are open 6 days a week to serve you. We have over 450 new and pre-owned vehicles in our always fresh and circulating inventory. Our pre-owned inventory consistently features late model, ford certified pre-owned (CPO) and import vehicles, including a selection priced at $10,000 and less. Please inquire about your vehicle of interest today and experience the best car buying process of your life!
View all Ford Mustangs

2009 Chevrolet Malibu with 54,791 miles
2009 Chevrolet Malibu for sale in Columbus
*** 2009 CHEVROLET MALIBU LT1 *** NEW TIRES AND BRAKES, SATELLITE RADIO, ONSTAR COMMUNICATION SYSTEM, TRACTION CONTROL WITH ABS, CRUISE CONTROL, KEYLESS ENTRY --- Krieger Ford is a locally owned, family operated Ford dealership serving Central Ohio for over 40 years. Krieger Ford has been located at our current location, 1800 Morse Rd. for more than three decades. During that time Krieger has maintained Ford Master Certified, dependable and friendly management staff, sales team, service technicians and advisors. Our sales, parts and service departments are open 6 days a week to serve you. We have over 450 new and pre-owned vehicles in our always fresh and circulating inventory. Our pre-owned inventory consistently features late model, ford certified pre-owned (CPO) and import vehicles, including a selection priced at $10,000 and less. Please inquire about your vehicle of interest today and experience the best car buying process of your life!
View all Chevrolet Malibus

2011 Ford E-Series Cargo with 13,949 miles
2011 Ford E-Series Cargo for sale in Columbus
*** 2011 FORD E250 XLT ECONOLINE CARGO VAN ***, ONLY 13,949 MILES, BALANCE OF FACTORY WARRANTY, POWER WINDOWS AND DOOR LOCKS, CRUISE CONTROL --- Krieger Ford is a locally owned, family operated Ford dealership serving Central Ohio for over 40 years. Krieger Ford has been located at our current location, 1800 Morse Rd. for more than three decades. During that time Krieger has maintained Ford Master Certified, dependable and friendly management staff, sales team, service technicians and advisors. Our sales, parts and service departments are open 6 days a week to serve you. We have over 450 new and pre-owned vehicles in our always fresh and circulating inventory. Our pre-owned inventory consistently features late model, ford certified pre-owned (CPO) and import vehicles, including a selection priced at $10,000 and less. Please inquire about your vehicle of interest today and experience the best car buying process of your life!
View all Ford E-Series Cargos

2010 Mercury Milan with 27,898 miles
2010 Mercury Milan for sale in Columbus
*** 2010 MERCURY MILAN V6 PREMIER *** ONE OWNER, BALANCE OF FACTORY WARRANTY, POWER SUNROOF, HEATED LEATHER SEATING, REVERSE CAMERA AND REVERSE SENSING, SIRIUS SATELLITE RADIO, MICROSOFT SYNC, AMBIENT LIGHTING, KEYLESS ENTRY --- Krieger Ford is a locally owned, family operated Ford dealership serving Central Ohio for over 40 years. Krieger Ford has been located at our current location, 1800 Morse Rd. for more than three decades. During that time Krieger has maintained Ford Master Certified, dependable and friendly management staff, sales team, service technicians and advisors. Our sales, parts and service departments are open 6 days a week to serve you. We have over 450 new and pre-owned vehicles in our always fresh and circulating inventory. Our pre-owned inventory consistently features late model, ford certified pre-owned (CPO) and import vehicles, including a selection priced at $10,000 and less. Please inquire about your vehicle of interest today and experience the best car buying process of your life!
View all Mercury Milans


Central Ohio New Car Dealership

Source: http://kriegerford.blogspot.com/2012/07/latest-deals-for-wednesday-jul-25th.html

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How to Repair Holes in Vinyl Siding | Danny Lipford

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How can you repair holes in vinyl siding caused by storm damage? -Tom

Vinyl siding is both tough and durable; but like most building materials, it can sustain damage from storms and extreme weather. There are several ways to repair damaged vinyl siding, depending on the extent of the damage.

  • Repairing Small Holes: Squirt a generous dollop of exterior caulking that matches the color of the siding into the hole. Allow it to completely dry, then use a razor scraper to cut the excess caulk flush with the outside of the siding. If you can?t find caulking that matches, fill the hole with paintable caulk, then paint over it with exterior, acrylic latex paint after it has cured.
  • Repairing Larger Holes: Use a siding zip tool (available at home centers) to unlock the damaged siding at the bottom. Place foil tape on the back side of the siding to cover the hole, and lock the siding back in place. Fill the hole with a thin coat of color matched caulking, or paint the caulking to match the siding color as described above.
  • Repairing Large Holes or Cracks: Use a utility knife to cut the nailing strip off the top of a piece of matching siding that?s larger than the hole or crack, then attach it on top of the damaged piece with construction adhesive. Another option is to use the zip tool to remove the damaged piece of vinyl siding, and replace it with a new piece.

Since it may be hard to match existing siding, it?s a good idea to ask the installer for a few extra pieces and scraps to keep on hand for future repairs.

Good luck with your project,

Danny

Further Information

Tags: , hole, repair, vinyl, vinyl siding

Please Leave a Comment

We want to hear from you! In addition to posting comments on articles and videos, you can also send your comments and questions to us on our contact page or at (800) 946-4420. While we can't answer them all, we may use your question on our Homefront radio show, Today?s Homeowner TV show, or online at dannylipford.com.

Source: http://www.dannylipford.com/how-to-repair-holes-in-vinyl-siding/

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Smelling the Rain

Jon Kasbe, 100gallons.org

Photo: Jon Kasbe, 100gallons.org

I?m 5 years old, toddling behind my parents after a thunderstorm. They point at the sky: ?There?s a rainbow!? I can?t see it. My brother grabs my head saying ?Look, Kelly. It?s right there.? I still can?t see it. I smell car exhaust, violets, mulch and earth.

I?m 17 in a car with a boy who?s driving too slowly. Someone in this neighborhood just mowed their grass. When the fat drops start hitting my arm, I leave my window down. The air smells like watermelon, chlorine, cigarettes and earth.

I?m 27 and getting married. God, it?s hot. Everyone?s here, and our party clothes are getting sweat stains, but no one cares because we?re happy and drinking heavily. The toast goes one minute too long and the sky opens up. Our first dance smells like moonshine, sweat, basil and earth.

?If you drew a road map between the sense of smell and the memory and emotion centers in the brain, there would be an interstate highway between them,? says Charles Wysocki, a smell scientist at the Monell Chemical Senses Center in Philadelphia.

Our noses contain hundreds of receptors with millions of olfactory cells that recognize tiny pieces of the molecules that we inhale. But it?s our brains that draw up moments of the past.

The sense of smell brings on the strongest memories, Wysocki says.

He?s right; I can recall an old friend?s face, but it?s dim and fuzzy around the edges. The concert from last week has faded into a swirl of sounds in my mind. But one whiff of hot, sticky rain, and suddenly I?m stupid ? I mean 14 ? again, greeting the storm from the roof.

Before it hits the ground, rain is just water ? it has little to no smell, much less any highly nostalgic ones. But after the drops hit the earth and interact with dirt, rocks and plants, the fragrance surges up.

This smell actually has a name. The sweet grassy scent is called petrichor, from the Greek words ?petra? meaning stone, and ?ichor? referring to the essence that flows in the veins of the gods. Literally: ?essence derived from stone.?

The mechanism behind the smell isn?t terribly romantic, but it?s comforting, humble and natural.

?The earth is doing what it?s supposed to be doing,? Wysocki says. ?Composting.?

The moisture excites groups of bacteria in the soil, which start breaking down organically rich substances like leaves and animal waste. Nutrients return to the soil, while the rain and wind scatter millions of bacteria spores into the air.

When these microbes die, they release a musty earth-smelling chemical called geosmin (it?s also the cause of the earthy taste in beets.)

One out of every 10 people, however, can?t smell geosmin, which is the main contributor to petrichor. But enough smells are churned up during a good rain storm that your nose will be plenty stimulated.

For instance, during a thunderstorm, lightning produces ozone, which has a sharp, bleachy smell, strangely like a photocopier that?s been running too long.

What you smell when the first drops of rain hit asphalt after a long dry spell isn?t necessarily geosmin either.

In urban areas where there?s not much open soil, you smell pockets of proteins containing miniature molecules of city-odor like particles of street food, sewage, gasoline and salt wafting off the tarmac.

During dry periods, tiny smell-laden molecules fold up on themselves. They lie curled up on the hot concrete, waiting for rain to unwrap and release them into the air.

The smell is stronger if the weather has been dry for a long time. ?If you had rain yesterday, it?s already done its thing,? Wysocki says. The molecules have been unwrapped, the bacteria have quieted and the geosmin has scattered.

These bacteria live and die on every continent. The same sweet smell of rain triggers memories for people in the rainforest of South America, the deserts of Africa, the Australian outback and the cities of India. I can be in some strange city across the ocean, a thousand miles behind me, and still smell home.

I?m 28. I?m lying in bed in Carrboro, N.C., with the windows open. It?s been a long, hot day, but the wind begins to stir. It tosses in molecules smelling of the past and hinting of memories I have yet to make. The rain is coming.

Source: http://rss.sciam.com/click.phdo?i=285ffa1c2a13e0f50b64028506e8159c

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Hiring Caregivers in Crete, IL: The Importance of Safety When Hiring a

At some point in time, many adults will find themselves in the position of hiring a caregiver for an aging parent or other senior family member. The easiest way to find a caregiver is via personal recommendation from a trusted party or by sifting through the classified ads on sites such as Craigslist. While some money and time may be saved by using this method, it is not wisest choice in the long term.

The biggest issue in hiring independently? is liability.

The family will literally become the employer and as such would be responsible for any medical and disability expenses the cargiver might incur. People who work freelance in the caregiving industry also tend to leave it very quickly and move on, which could create a difficult situation for the family involved. Most of all, it is more difficult to know what the person?s background actually is, and hiring an independent caregiver is taking a big chance on safety.

Peace of Mind

Hiring through a home care agency will bring peace of mind by knowing details such as witholding, taxes and insurance are taken care of. Agencies can also perform thorough background checks as well as drug testing, and only hire dedicated people who are qualified to do the job. When all of this is factored in, the cost is roughly the same as an independent hire.

Training and Monitoring

A caregiver who works through an agency is trained in first aid techniques and CPR and is also insured and bonded. That person must follow rules and a code of ethics set by the agency. If a CNA is working in a home, that person may be checked up on regularly by a nurse to ensure everything is being done properly.

The Right Caregiver for the Job

A home care agency also offers the choice of different caregiving personnel so if one is not quite the right fit, another person may be substituted. Another advantage is always having someone available to step in if the regular caregiver becomes ill or cannot work for some other reason. The family can avoid the panic of calling around for a replacement and possibly missing work or school if one cannot be found.

When it comes to a beloved senior, the safety and reliability of a home care agency is the best way to go.

When researching options for?caregivers in Crete IL, home care counselors at Home Helpers?are available to talk with you about your caregivers?needs including how to reduce?caregiver?stress while providing better, affordable care. We are an?elder care?agency providing caregivers?in Crete, IL.

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Source: http://www.homehelperschicagoland.com/caregivers-in-crete-il

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Help You Place Your Bets | Pennapic Arts and Entertainment

Sport can people have a certain betting structure, processes and protocols that you familiarize yourself with the sound betting decisions need. Ask the experts for advice tipster is a good way to start.

Help You Place Your Bets

Help You Place Your Bets

Is the information confidential?

Informant is someone who bettors tips on winning playing professional sports events are possible. You can rely on their advice on this finding are not generally available statistical information available and the general public, or information. Work that is comparable to betting, which is also studying the possibility of data to the winner of a sporting event transmitted can be determined. The main difference is, the bet is only a chance to win or lose, while Tipsters recommended players place their bets on the winner they were predicted to place gifts.

Why do you need the information confidential?

On sports teams, athletes, or horse race betting always has its risks. Blind bets on a team or individual based on your intuition to play, too risky. Advice to keep horse racing Tipsters help you determine whether to risk an athlete or a team makes money. Tipsters can bet you information about payment rates, the ability to win, methods, and get the player or the institution to make the most of your application.

Sports tipsters, the focus is not on you?

Many people think Tipsters are only involved in the sport of horse racing, but there are other types Tipsters for various sports. Tipper, on the ?Footy? sports (like football and rugby) focus on common, and golf tipsters have already taken shape.

How do you Tipsters?

The easiest way to find confidential information is to go online. Many companies can tilt our site for more information and you can often get in touch via e-mail. Most of them offer a newsletter or e-mail updates keep you on the latest sporting events. You can still be found Tipsters for sports events, so it never hurts your community to ask about their gambling.

The problem with the tilt of the online business has changed a lot in a crook. Always use caution when online tipsters. Look for companies that keep detailed records of their activities in the past, and have experienced professionals in their employees.

There is a tipping site by using the program to come with their predictions, but this is not always correct. It is often better, with real experts in the software program because of instinct and experience in the industry are working, it makes them more accurate predictions.

No related posts.

Source: http://www.pennapic.com/2012/07/help-you-place-your-bets/

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NASA: Strange and sudden massive melt in Greenland

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Serving Lift the house Loans Haze | Trade Finance Bank

So? you?re going to buy a house and need a house loan?
Where do you begin?
Whether that you?re a initial home shopper, have ordered and sold several times a day, are re-financing, seeking a great equity mortgage loan, or perhaps a opposite motgage ? there are a lot of factor to weigh?
Do you ultimately choose fixed amount, variable amount, adjustable amount ? or perhaps interest simply.
Rates, fees, costs can most vary.

Let?s have a look at the variations:
Fixed Interest ? ordinarily Improve Body shape fixed to the life on the home mortgage loan, say 15-30 ages, regardless of increases or perhaps decreases in market fees. This style of home mortgage loan is ideal for those over a budget ? while you always know what your repayment demands are.
Adjustable (Changing) Interest ? such a home mortgage loan allows the interest rate to always be adjusted according to the present market fees -usually adjusted by the end of pre-determined periods. These usually have lower monthly premiums and tend to be more flexible as compared with fixed.
Balloon Home mortgage ? this is certainly fixed amount of money payments for some time and subsequently one substantial payment (balloon) into the end on the term.

Graduated Payment Home mortgage ? here the payments start small and also gradually raise.
Interest Solely ? such a home loan is frequently only for your specified time ? exactly where interest simply is paid out ? therefore the principal is not reducing. Usually simply used for a few days, or to be able to finance an extra property.
Second House loan ? this draws on the quantity of equity you could have at your residence. Usually made use of for property renovation, to consolidate debt as well as to purchase an extra property. Usually collection payments at a fixed interest rate. Be mindful that rates are ordinarily higher.

Home Equity Home mortgage ? this is certainly borrowing from the equity at your residence. It is usually used to be able to finance property renovations. Interest rates will vary, as can certainly the fees and phrase ? this can be a very cut-throat market ? so do your studying. This loan provide tax positive aspects ? nonetheless, your property is up as secured.
Reverse House loan ? also known as ?equity release?. This is perfect for seniors to be able to convert the equity inside their home to be able to cash. Repayments will not be required until finally Diet Solution Program they completely move, sell, die or perhaps reach the finale on the loan phrase.

Did you like this article? Share it below!

Source: http://www.tradefinancebank.com/serving-lift-the-house-loans-haze/

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Cyprus detains Lebanese suspect over Israel attack plot

NICOSIA: A man suspected of planning attacks on Israeli interests in Cyprus was detained by a court on the island on Monday, as Israel's leader once again accused Hezbollah militants and Iran over the alleged plot.

The 24-year-old suspect, whose name has not been disclosed, was arrested in the Cypriot port city of Limassol on July 7, on suspicion of tracking the movements of Israeli tourists. He is a Swedish national of Lebanese origin.

Israel said he was planning an attack similar to a suicide bus bombing in the Bulgarian city of Burgas which killed five Israelis last week.

Prime Minister Benjamin Netanyahu told the U.S. "Fox News Sunday" television programme that the "modus operandi" of the Cyprus suspect was similar to that used by the Burgas bomber.

He said he had "rock-solid" intelligence that Lebanon's Hezbollah group, backed by Iran, was responsible. Tehran has denied any involvement.

The suspect on Monday appeared at a Limassol court which ordered his remand until July 27 pending completion of police inquiries.

He was held on suspicion of espionage and conspiring to commit a crime, said those present at the hearing, held behind closed doors with only police and his lawyer present.

Authorities are investigating 10 charges against him, they said, without giving further details.

The suspect was arrested at a hotel two days after his arrival from London. Lists of locations frequented by Israeli tourists were found on him, according to media reports which have not been disputed by authorities.

A senior Cypriot government source said he was picked up after a tip-off from British intelligence.

The suspect has not been charged. Under Cypriot law police can obtain court-sanctioned detention orders at regular intervals until an investigation is concluded either by formal charges or the release of the detainee.

Israel, the United States and other western countries consider Hezbollah a terrorist organization. Israel says it has foiled several Hezbollah attacks on its citizens abroad.

Source: http://www.dailystar.com.lb/News/Middle-East/2012/Jul-23/181654-cyprus-court-detains-israel-attack-plot-suspect.ashx

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