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CEOs Overconfidence, Long-termism versus Short-termism and Investment mistakes
The Corporate Governance review "Directors & Boards" has recently published an article (1) in which it summarized the thesis presented by Michael Barbuza and Eric Talley in their recent paper (2) with ECGI, "The long-term bias". According to them CEOs would suffer from a cognitive bias due to their over-confidence, which would eventually entail a certain excess of investment in the long-term and a certain lack of appropriate control and resource restriction to projects not producing satisfactory results in the short-term.
A very much reviled short-termism, caused by the maximization of shareholder value or wealth principle and the pressure of capital markets and the mandatory quarterly disclosures, would be causing a reduced investment level, an inefficient R&D effort, a choice of investment projects against those more linked to time requirements, so that an excessive level of generated funds are being directed to compensate shareholders, (dividends, buybacks, etc.), with side-effect on compensation for managers based on EPS, for instance.
Talley and Barzuza don´t really understand short-termism as a permanent feature, which would be forcing market forces to leave money on the table without correcting the guilty institutions. On the other hand, assuming "un-biased" long-term value maximization as an objective easy to reach by rational managers, shareholders and supervisors, appears to them also strange. Read more…
The effects of Contract Framing on Misconduct and Entitlement (on Clawbacks and Bonuses)
We will analyze in what follows the article by Jennifer E. Nichol, Northwestern University.(1)
Introduction. Top managers are offered contracts that include several incentive programs in order to align their interests and behavior with those of the shareholders, (at least). Incentives can be established as a bonus or wealth increase whenever they produce certain pre-determined results; or as penalty contracts, through which managers are taken part of their wealth if the target is missed. In any case, and enlightened by the Principal Agent theory, it was considered that managers could adjust their effort up to get the additional pay or avoid the penalty. The author tries to discover whether managers could have an incentive to misreport (trying to show a higher effort or result than the true values obtained).
Contract framing can introduce penalties in varied forms:
– Credits or deductions to an outsourcing provider´s compensation due to low results in certain metrics;
– The same in construction contracts, (delays, low quality, etc).
Their interest has increased as Bonus framings were attacked for eventually fostering accounting manipulation and excesive risk-taking, (by managers trying to maximize their compensation). Read more…
Contribution to Strategy from the HHRR Department
Since McKinsey stated companies are involved in a war for talent, (1) HHRR departments are considered strategically relevant in their task of attracting, motivating and developing executive talent. Even more at strategic assignments.
Nevertheless several studies and surveys consider HHRR departments lag behind in executive capacities, and in contributing strategically and in prospective matters referred to the labor force and needs.
Some studies find boards do not really grant enough relevance to human capital matters, (as they do with other corporate aspects), for instance when setting compensation structures.
To assess the true contribution to strategy by HHRR departments, Courtney Hamilton, David F. Larcker, StepHen A. MileS, and Brian Tayan, (The Miles Group, Stanford Corporate Governance Research Initiative) recently did a survey to some 85 CEOs and CHROs, whose results we will sum up, (2). Read more…
Board 3.0. A proposal to overcome the flaws of a formal and compliant board.
Ronald J. Gilson and Jeffrey N. Gordon from Columbia Law School and ECGI have recently published an article in which they introduce propose a new Corporate Governance model based on the way private equity and venture capital firms help manage companies from their seats at boards of their portfolio companies, (1).
They argue that the currently dominant model, Board 2.0 or "Monitoring Board", which started its venture in 1976 after the Eisemberg book was published, (2), has very often failed to provide an effective board, as part-time independent directors were thinly informed, lacked resources and were also boundedly motivated. Which has promoted once and again a new regulatory emphasis on the same model. Moreover, since that date complexities, size, regulatory frameworks have all increased exponentially. Requiring more time and pay from/for independent directors, increasing their number and/or the number of technically specific committees are all decisions that would undermine the model itself. Faced with activist investors these uninformed directors can´t really help management, and institutional investors don´t feel happy to rely on them, and very often consider the activists proposals.
The authors state a new board made of thickly informed, well-resourced and highly motivated directors is needed to solve these failures of the current model. And also confront the impossible disclosure of strategic plans to the market so that stock prices fairly reflect value with credibility provided by these new kind of director, avoiding corner solutions to support management, (dual-class share systems etc). Read more…
How do fast growing companies do it? The case of Blitzscaling. (IV)
Eight Key Transitions arise during the BS process:
- Small to big Teams. Small teams can act spontaneously and fast in Family and Tribe, thanks to the personal and frequent contacts. That allows you to pivot as necessary until you find the business model, for example. In village and beyond, this is not possible. Teams are larger: planning and formal processes appear. And psychologically the change is huge for founders and starters who see they no longer have a broad vision nor connection with "mission". BS firms must try to enhance their engagement. Firms also hire some different people, (marines, army and police…). Starters need to start new BS projects, etc. Also some have a concern for their career, (sometimes people specialize in certain stages: be clear and prepare people to forget title and focus on relevance of job. Don´t care of feelings if you need to separate from some starters.
- Generalists to Specialists. The latter are relevant in certain areas critical for the company´s growth. And leading a function in a City or Nation is not easy to access for a generalist. But don`t hire them too soon or they will have to do many things and not their best thing. It is in Village that you can start hiring specialists.
- Contributors to Managers to Executives: managers are frontline day-to-day tactic drafters, and executives lead managers. They worry about vision and strategy. They are still on top of managers for them to do their best. Tribe needs functional managers; in a Village you need executives; the executive VP is the one leading the different managers leading teams working on the different projects or areas; and when a company needs an executive for the first time, there is nobody having worked for any that has learnt to be one, and they come from outside. Care hiring people for today: similar size, similar growth, similar challenges, …sometimes you take from outside, and promote some for your strong areas. To avoid rejection some use three steps when hiring many people: (i) Hire somebody known to anyone in the team; (ii) give him a lower title to prove himself:; (iii) Then consider promoting him where you wanted him or somewhere else. Finally, let them train your managers so they can later be executives, jus t in case.
- Dialogue to Broadcasting: you abandon informal and go on with formal push broadcasting and pull online resources. You decide what is secret and what you can unveil. In family, (raising voice, Slack, Skype or Hangouts is enough). In Tribe, (weekly meeting to pass messages; and some other still informal things). Village (meetings with technology and less frequent; video live conferences with the possibility of a round of questions of information gathering by participants; CEO needs channels to get to anyone; regular emails with thoughts on business aspects…
- Inspiration to Data: if opinion-based, the opinion of the boss wins, so bring and use data. To decide, to enrich information about your product, to enrich customer acquisition or engagement, ….In Family and Tribe you don´t need that, and it helps very little. You grow recklessly so seek certainty when you can, when you are already bigger. Track basic data regarding users, paying users, some engagement metric……3 to 5 metrics, but relevant. And build a data framework easy to convert in graph and useful tool for decisions. If not, you will stop using it. And you change it when needed. Metric must be relevant, nor a vanity or rosy one, (Twitter was being killed by API access even if the metric read fantastic…). In Village you need Business Intelligence (BI) and a Dashboard for all. In City and Nation, you need a BI team. It is costly but cost-efficient. What for: many companies create an Engineering, Product Marketing team (Growth team) to react to the insights. But numbers don´ lead, strategy does. So if a number shows bad and this is a number supposed to be good, what that does mean? How do we really need to do? Get the number good whatever the effort at whatever cost or turn this product or feature down? Data-driven design (Google) or Genius-driven design are the opposite views: combine adequately.
- Single focus to Multithreading. Scale-ups need more products or business units. Focus is good at start-up. And companies shouldn´t go for next until first one is dominated, sometimes when potential for gain with it is fading… Jump usually arrives in City, each group focusing in a different thing. Success appears within a unique organization as those exploring new opportunities are still linked to experienced managers dealing with mature ventures, and are able to coordinate resources and expertise. Of course multithreading has a cost, and you have to be conscious and restrict. For any new thread you need leadership and incentives. Also if you have entrepreneurial people: retaining them and avoid them making their own firm; avoid wars between people, make it possible to close a business that does not work.
- Pirate to Navy: start-ups are like pirates, centered in Attack, without procedures, flexible, willing to take risks that big companies can´t, etc. But when Village or more, you need to behave more like a navy, if you don`t want chaos. That means: (i) Follow rules; (ii) Prepare defense, lock out competition, retaining customers, etc. In City you must protect and defend your position:a) Look for a standard, turn your service in a platform for others to perform, so that you will have a multiplier; b) Offer a more complete solution and put talent after every option that has traction. In Nation navy is complete, and inorganic growth is important. Small teams that receive your resources to scale, (Android); hoards of cash allow to that; and dedicate some cash also to disturb your competitors´ positions, so that they have to spend part of their monies there, (MSN Bing for example). To become an admiral: (i) you need to change; (ii) culture and values need to change;(iii) set of executives capable of a tight control of their respective assignments, an understanding of differences and a team to coordinate everything, (crucial).
- Scaling your self: Founder to Leader. (i) Delegation: hire somebody to do functional jobs; (ii) Amplification: somebody helping with agenda, a Chief of Staff: codify and research info about market, competition, industry trends, etc. use of social media and a team helping. (iii) Making yourself better: you must be a learning machine, avoid being bottleneck, …read and meet other having done it; have a board of directors to consult and get feedback from.
How do fast growing companies do it? The case of Blitzscaling. (III)
Blitzscaling IS a strategy innovation.
When should firms start BSing?
This is a normal question as BSing requires abandoning careful planning, investment, service, and burn rate…WHY? This is clear, in exchange for speed. So WHEN? When you notice speed is the critical factor for massive outcomes. Sometimes this happens even before the revenue model has appeared.
Being too soon: usually leads to Blitzfailure. It is when there is no product/market fit, business model does not work, or environment is against.
Some tips: Read more…
How do fast growing companies do it? The case of Blitzscaling. (II)
Innovative business model capable of exponential growth.
Since 1995 (Netscape´s IPO) until 2000, (crash) many tried to implant an existing business model into the online medium…and failed. Only those with completely new business models survived the killing. Amazon took the realm Walmart should have taken. Also start-ups focused on technology rather than on business model went bust. Real value creation comes not with technology alone, but when technology enables new products and services with innovative business models.
A Business model is: description of how a company generates financial returns producing, selling and supporting its products. Blitzscalers business models allow them to quickly get massive scale and sustainable competitive advantage. They use growth factors and avoid blockers.
THE FOUR GROWTH FACTORS. Read more…


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Welcome to another episode of Case-ing Tuesday!! This week's sketch can be found on page 35 of the 2019 Holiday Catalog. So if you are unfamiliar with Case-ing Tuesday… every Tuesday there is a post of a sample card from the Stampin' Up! Catalog along with a sketch with measurements posted to a group called… Continue reading CASE-ing Tuesday Let's Celebrate
Category: Birthday Cards
Stampin Sunday with the Postcard Pals
Hi Crafty Peeps! Happy Sunday and thanks for joining me the another FB Live! Today I have a really cute and simple fun-fold card for you! I finally got around to purchaseing the Postcard Pals Stamp Set (it's been on my wishlist for a while). In case you missed it! You can always catch my… Continue reading Stampin Sunday with the Postcard Pals
Stampin' Sundays…with Birthday Statements
Hi Crafty Peeps! Happy Sunday and thanks for joining me the another awesome FB Live! What do you think about today's project? Let me know in the comments below!! In case you missed it! You can always catch my FB Live replay for all my projects on my FB business page! My Stampin' Sunday's happen every Sunday at 5 PM EST!! Today, I have a… Continue reading Stampin' Sundays…with Birthday Statements
For All That You Are
Are you ready for some more inspiration? I have to say that this stamp set is probably my favorite in the entire 2019 Occasions Catalog right now! I'm not really a flower girl, but this set was calling my name at first sight. After stamping the giant flower, it was instant love!! This set can… Continue reading For All That You Are
Stampin' Sundays…First FB Live of 2019- Hello Cupcake
Hello everyone! Happy New Year and thanks for joining me for another fabulous FB Live!! We are starting 2019 off right with amazing products & amazing projects!!I am super excited about the FB Lives over the next 3 months because I'll be featuring products and inspiration from the new Occassions Catalog and Sale A Bration… Continue reading Stampin' Sundays…First FB Live of 2019- Hello Cupcake


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There's a ton of organic traffic you can get from search engines if you do SEO properly. The days when Search Engine Optimization was about cheating Google are gone. Today, it is about making your website better for visitors. People naturally look for information online. That's why you should learn the basics of on-page SEO, keyword research and link building to be the information source they find first. Who wouldn't want to rank #1 for terms such as "best product" or "product review" in Google?
Although precise data are not available, the total household wealth in the world, excluding human capital, has been estimated at $125 trillion (US$125×1012) in year 2000.[37] Including human capital, the United Nations estimated it in 2008 to be $118 trillion in the United States alone.[6][7] According to the Kuznet's Hypothesis, inequality of wealth and income increases during the early phases of economic development, stabilizes and then becomes more equitable.
The 4% rule has a failure rate based on overall market movement and time in the market. If you need to cover 20 years the 4% rule is extremely safe. If you need to cover 40-50-60 years because of early FI it starts to get riskier. Why not arrange your investments so you achieve a 4% yield, then you will never need to sell shares and can live an infinite amount of time without working? To boot, invest in some dividend growth stocks and you will get an inflation-busting 6% average annual raise on your income as well!
8Binary offers any level trader the opportunity to use market leading trading platforms to manage risk and maximize profits. With a truly global reach and renowned customer service, 8Binary is a secure and safe way to trade Binary Options. Committed to offering all of its clients the safest and most user-friendly experience, 8Binary is the trusted name in the market. Whether you are a beginner, retail investor or a professional trading entity, 8Binary guarantees the best user experience possible.
If your audience is looking to launch an online business, migrate their ecommerce platform, or simply interested in ecommerce content, we encourage you to apply for the BigCommerce affiliate program. Our team will carefully review your application. Once approved, you will receive access to support, tracking, reporting, payments, and have your own unique affiliate link to track every referral you generate. BigCommerce is committed to the success of our affiliate partners.
Shopify has three different account types as well as standalone third-party products like themes and apps. Commissions are paid for sales of any of these products, including users who sign up for a 14-day free trial and then convert to a paid account. Shopify also has a wide range of blog posts, webinars, and video tutorials that can be linked to with the standard commission paid on any sales that are generated.
If you pay your bills with a credit card make sure it offers cash back rewards. You can let your rewards accrue for a while and possibly put the easy money you earned toward another passive income venture! (Be sure that the card you select doesn't have an annual fee or you might be cancelling out your rewards). Check out this list of the best Cashback Rewards Cards.
Although it has a dynamic and well-designed website, PeerFly has a limited range of offers at any given time (around 8,000). On the upside, it does offer good commission/payout rates, lots of FAQs and educational information, and regular contests and reward programs that can substantially increase your bottom line. Based on online customer reviews, Peerfly enjoys a very high reputation amongst participating affiliates.
How can I be a millionaire
For example, as we were tackling our debts, Joshua sold his oversized house and moved into a tiny apartment. Ryan sold his fancy new car and purchased a decade-old vehicle without a monthly payment. We both jettisoned our cable subscriptions, satellite radio, and other superfluous bills that saved us hundreds of dollars each month. We also did "strange" things like deliver pizzas, work overtime, and find other ways to supplement our income in the short-term so we could pay off our debts faster. Plus, we sold hundreds of items—electronics, furniture, clothes, DVDs, books, collectibles, tools, yard equipment—that weren't essential, and we used that money to further pay down our debts. Basically, anything that wasn't nailed to the floor found it's way to eBay. Now everything we own serves a purpose or brings us joy, and we don't miss any of the trinkets of yesteryear.
Affiliate marketing has grown quickly since its inception. The e-commerce website, viewed as a marketing toy in the early days of the Internet, became an integrated part of the overall business plan and in some cases grew to a bigger business than the existing offline business. According to one report, the total sales amount generated through affiliate networks in 2006 was £2.16 billion in the United Kingdom alone. The estimates were £1.35 billion in sales in 2005.[19] MarketingSherpa's research team estimated that, in 2006, affiliates worldwide earned US$6.5 billion in bounty and commissions from a variety of sources in retail, personal finance, gaming and gambling, travel, telecom, education, publishing, and forms of lead generation other than contextual advertising programs.[20]
Although it has a dynamic and well-designed website, PeerFly has a limited range of offers at any given time (around 8,000). On the upside, it does offer good commission/payout rates, lots of FAQs and educational information, and regular contests and reward programs that can substantially increase your bottom line. Based on online customer reviews, Peerfly enjoys a very high reputation amongst participating affiliates.
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13 Easy Ways To Make Financial Freedom Faster
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Side gigs, private investments and a host of other variables can also be utilized for long-term thinking, wealth accumulation, and achieving financial independence. A few considerations here may include a portfolio of private businesses, car washes, parking garages, stocks, bonds, mutual funds, real estate, patents, trademarks. Some of these cash generators can be relied on for long-term income in addition to your job or just as cash generators that can pull in money while you take long vacations or sit by the pool.
In this chapter I talk a lot about how to reduce your biggest expenses and that you are going to be able to save the most money where you spend the most money. I also talk a lot about traveling the world for free using credit card travel rewards. Because I've gotten so many questions on how to do this from readers I created an Introduction to Credit Card Rewards Guide.
There's no difference between having a 4% dividend and withdrawing 4% every year (since the stock price lowers by a corresponding amount every time a dividend payment is made). The difference with a dividend though is you are forced to take that withdrawal (and pay taxes on it) whereas if you're just selling parts of your portfolio, you can withdraw as little as you need to.
When you say $250k-300k in annual passive income.makes life really really good, are you referring to gross income or after tax income. In fact, some clarity around before or after tax income levels would be helpful for all the dollar figures in this post. The new tax structure significantly affects people in the Blockbuster FI cayegory, mostly on adverse ways, so.i am curious about of the targets change based on before or after tax income, especially of one does not have a small business owner properties to use for tax write offs. Thanks
I listened in admiration, and wanting to draw him out, that he might go on--Yes, Cephalus, I said: but I rather suspect that people in general are not convinced by you when you speak thus; they think that old age sits lightly upon you, not because of your happy disposition, but because you are rich, and wealth is well known to be a great comforter.
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After you link all your accounts, use their Retirement Planning calculator that pulls your real data to give you as pure an estimation of your financial future as possible using Monte Carlo simulation algorithms. Definitely run your numbers to see how you're doing. I've been using Personal Capital since 2012 and have seen my net worth skyrocket during this time thanks to better money management.
Websites and services based on Web 2.0 concepts—blogging and interactive online communities, for example—have impacted the affiliate marketing world as well. These platforms allow improved communication between merchants and affiliates. Web 2.0 platforms have also opened affiliate marketing channels to personal bloggers, writers, and independent website owners. Contextual ads allow publishers with lower levels of web traffic to place affiliate ads on websites.[citation needed]
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Despite its older origins, email marketing is still a viable source of affiliate marketing income. Some affiliates have email lists they can use to promote the seller's products. Others may leverage email newsletters that include hyperlinks to products, earning a commission after the consumer purchases the product. Another method is for the affiliate to build an email list over time. They use their various campaigns to collect emails en masse, then send out emails regarding the products they are promoting.
There's a good reason why ClickBank is still a strong contender, however it does tend to focus more on digital products which may be of questionable quality. Yes, the review process is more professional these days, but it's still primarily focused on selling digital products, especially "how to make money" courses and the like. That being said, there are some genuinely high-quality products on offer, and few affiliate programs are bigger than ClickBank, especially in selling (primarily digital) books.
A lot of the things mentioned above are right. there are so many opportunities to make some side money. I've recently been looking up different ways to create any kind of side income than can possibly help me out . I can tell you right now if your a beginner like I was, the best place to start would be signing up as an affiliate for amazon which is the most newbie friendly! Learn the game and grow. Or you can create your online store and dropship with shopify real people make thousands a week by doing this and you need little to no money to start. (Drop shipping as simple as i can put it is basically is where sell items from chines suppliers that can be dirt cheap and sell them for 2x 3x 5x the amount there being sold for)


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One more way to change the desktop computer wallpaper in Windows is to open up the Personalize alternative on the desktop computer (called Feature in Windows XP). To do this, do the following:.
Right-click on the desktop computer and select Personalize. (Or in the Windows 10 food selection, most likely to Settings > Customization > History.).
In Windows 8/7/Vista with Control board's Customization applet, and in Windows XP through the Display Control board applet.
Under the History dropdown, select Picture.
You can opt to make use of a pre-loaded photo from Microsoft or select Browse to find a different image on your disk drive.
You can likewise decide if you want the photo to fit, stretch, or load the display, or even for it to be tiled, focused, or covered across numerous displays.
Some versions of Windows have added options right here, like immediately altering the desktop computer wallpaper after so-many seconds, which can be found in handy if you don't wish to settle with simply one background.
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Summer 1939. Influential families in Nazi Germany have sent their daughters to a finishing school in an English sea side town to learn the language and be ambassadors for a future looking ... See full summary »
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Here's our breakdown of the best things to stream this week including a long-awaited series return and a brand-new Michael Bay movie blowing up your small screen.
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Additional Property Details
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Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed.


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Honda Shine User Reviews
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Ford Escape: Tires, Wheels and Loading
- Notice to utility vehicle and truck owners
- Vehicle characteristics
- Information about uniform tire quality grading
- Tires
- Inflating your tires
- Tire care
- Information contained on the tire sidewall
- Tire pressure monitoring system (TPMS)
- Snow tires and cables
- Vehicle loading – with and without a trailer
- Trailer towing
- Recreational towing
Child restraint and safety belt maintenanceInspect the vehicle safety belts and child safety seat systems periodically to make sure they work properly and are not damaged. Inspect the vehicle and child seat safety belts to make sure there ar ...
Notice to utility vehicle and truck ownersUtility vehicles and trucks handle differently than passenger cars in the various driving conditions that are encountered on streets, highways and off-road. Utility vehicles and trucks are not de ...
See also:
MB Info call button
Press and hold MB Info call button 1 for more than two seconds. This initiates a call to the Mercedes-Benz Customer Assistance Center. The indicator lamp in MB Info call button 1 flashes wh ...
Inflation Guidelines
Keeping the tires properly inflated provides the best combination of handling, tread life, and riding comfort. Underinflated tires wear unevenly, adversely affect handling and fuel economy, ...
Wiper blade replacement
This subject is covered in the Maintenance section. See 175, WIPER BLADE REPLACEMENT. ...


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It's interesting, Justin Neppl said Thursday, Sept. 5. The more conversations one has, the more they're aware of the activity happening in their backyards.
Neppl was speaking at a meeting of the Southern Valley Economic Development Authority (SVEDA) board. The board members were updated on activities and next steps with potential new businesses.
Entrepreneurs in the Red River Valley are invited to the Start Up Course and Entrepreneur Meet Up, scheduled for Wednesday, Sept. 11. The Start Up Course begins at 5 p.m. and the Entrepreneur Meet Up begins at 6:30 p.m. Both will be held at The Boiler Room, 404 Dakota Ave. in Wahpeton.
"We're inviting any entrepreneurs in the community to come in and talk about ideas they have," Neppl said. "The idea is to have and facilitate an organic conversation with entrepreneurs about possibilities in the area."
The Start Up Course and Entrepreneur Meet Up are activities which support SVEDA's objective of growing local jobs. Collaboration is a key component of this objective.
"We will work with local employers to identify opportunities for growth, help increase the number of jobs in Richland and Wilkin counties and foster a diverse and sustainable economy," SVEDA stated.
In March, Daily News reported about efforts to bring the hydroponics industry to Wahpeton. Round Table Hops, based out of Forest Lake, Minnesota, showed in interest in up to 10 acres in a 32-acre city-owned parcel north of the 210 Bypass.
"The company would place a greenhouse, drying area and small office on its land," Daily News reported. "Hops, used for making beer, would be grown hydroponically, or without soil."
SVEDA is still working to secure financing for the hydroponics project, Neppl said.
"The offer will always be open that they can come here," he continued. "They have a deal in place — a verbal deal — with Wahpeton. Until they can secure the financing and get it done, we're going to be handcuffed on that one."
Launched in January 2018, SVEDA includes directors from the cities of Wahpeton and Breckenridge, Minnesota, as well as Richland County, North Dakota, and Wilkin County, Minnesota. It is headquartered in the Wahpeton Breckenridge Area Chamber of Commerce building, 1505 11th St. N. in Wahpeton.
SVEDA's next board meeting is scheduled for 6:30 a.m. Thursday, Oct. 3 at Fryn' Pan in Wahpeton.


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When it comes to deciding how to follow Jesus Christ in our time, the Bible often takes a backseat even for evangelicals, who have long held a high view of Scripture.
Sometimes the desire to preserve relationships at all costs prompts us to ignore scriptural teachings. Other times, we have an ill-defined feeling of how the Lord is "leading" us, never mind that the leading contradicts scriptural teaching.
And when we do pull out the Bible, we are tempted to focus on one biblical theme to the exclusion of others, or treat it like a self-help book. We scour it only for verses that will bolster our sagging spirits or help us to love our spouse better.
This is not a new insight, but it is especially pertinent in light of this issue's cover story, as the Bible is at the heart of evangelical theology and ethos.
Decades ago, Harold Lindsell, then editor in chief of this magazine, called for a "battle for the Bible." He took to task evangelical institutions whose definition of biblical authority was, in his view, inadequate. His book of that title was divisive and unhelpful. Yet his basic concern cannot be faulted. Today we need a new battle for the Bible—not for a precise definition of biblical authority that all evangelicals can agree on, but a simple return to the Bible as the final authority in matters of faith and practice—and especially Christian doctrine.
Going Deeper Than Nicaea
As Justin Holcomb notes in our cover story, the Nicene Creed is a significant standard that helps us determine whether a teaching is orthodox or not. But as he notes, it's not merely important because it won a majority of votes back in A.D. 325.
Quite the reverse: The Nicene Creed has won the day, century after ...1
More from this Issue
Read These Next
- TrendingSunday Church Attack Kills 14 in Burkina Faso(UPDATED) President of West African nation condemns "barbaric attack" at beginning of Advent.
- From the MagazineIn the Bus Station, You Fed MeWhile Congolese asylum-seekers make a desperate journey north, a scrappy network of Christians answers the call to help.
- RelatedTony Evans Becomes the First Sole African American to Author a Study Bible, Commentary Named for HimCelebrating 50 years of historic ministry, the Dallas pastor discusses his advice to Kirk Franklin and how his new releases highlight the black presence in Scripture.
- Editor's PickGod's Mercy is More Robust Than We ThinkGrace does not sabotage the pursuit of righteousness but empowers it.


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Hopefully, this article has shone a light on how simplistic steps can help you start to rearrange your life and begin to lose the weight. If you're willing to use what you have learned here to shed those pounds, then you are well on your way to leading a fit, active, slimmer lifestyle.
Who would have thought that brushing your teeth is not only good for oral hygiene, but also for weight loss? Research has shown that brushing your teeth after you eat slows your appetite, and you will also be less likely to want to eat so you keep that fresh, just-brushed feeling for a while.
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Try having a high-fiber appetizer before your actual meal. Salads can be a great appetizer but be sure to use low-fat dressing. You can also use a vegetable tray or fruit slices as an appetizer. If you eat an appetizer before your meal, it will help prevent overeating during your dinner.
Group exercise is great motivation. Just go for a walk with loved ones. Play group sports with your family. There are lots of activities you can enjoy that will also help you lose weight.
Are you trying to lose weight in order to fit back into a special pair of pants or dress? Inspire yourself to get back into that outfit by hanging it up somewhere where you will see it. Next time you are tempted to overeat, the visual reminder of the goal you are working toward, will help you stay on track.


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We list hundreds of Clinical Trials about "Rubber isolation Tooth drying Dentin wash with sodium" on BioPortfolio. We draw our references from global clinical trials data listed on ClinicalTrials.gov and refresh our database daily.
We have published hundreds of Rubber isolation Tooth drying Dentin wash with sodium news stories on BioPortfolio along with dozens of Rubber isolation Tooth drying Dentin wash with sodium Clinical Trials and PubMed Articles about Rubber isolation Tooth drying Dentin wash with sodium for you to read. In addition to the medical data, news and clinical trials, BioPortfolio also has a large collection of Rubber isolation Tooth drying Dentin wash with sodium Companies in our database. You can also find out about relevant Rubber isolation Tooth drying Dentin wash with sodium Drugs and Medications on this site too.
Effect of Photodynamic Therapy on Deep Caries in Permanent Tooth,A Controlled Clinical Trial
The aim of the proposed study is to assess the clinical effect of photodynamic therapy (PDT)using LED on dentin with carious lesions in permenent teeth. Patients with molars exhibiting deep carious lesions on the occlusal surface indicated for restorative treatment will be randomly allocated to two groups: Group 1 -Control after incomplete caries removel,indrect pulp treatment with calcium hydroxide(CH); Group 2 - PDT + CH after incomplete caries removel,disinfect the residual ...
An in Vitro Evaluation of Antimicrobial Photodynamic Therapy on Deciduous Carious Dentin
Despite of the decline of dental caries, this disease is still common in polarized groups affecting children. Therefore, the aim of this randomized blind in vivo study was to compare the antimicrobial effect of two antimicrobial therapies in deciduous carious dentin. Thirty two patients aging from 5 to 7 years old had partial caries removal in deep carious dentin lesion in deciduous molar and were divided in three groups: Control - chlorhexidine and resin modified glass ionomer...
Effectiveness of Rubber Dam Isolation Versus Cotton Roll Isolation on Bonded Fissure Sealant Retention
The purpose of this study is to evaluate and compare the clinical retention of bonded fissure sealants placed under rubber dam isolation and cotton roll isolation.
Isolation of the Operative Field Influences the Survival Rate of Composite Restorations
The aim of this study was to evaluate the survival of direct composite resin restorations in primary molars using different methods of isolation of the operative field: absolute isolation (local anesthesia, use of dental clamp and rubber dam) and relative isolation (cotton rollers and saliva ejector) by a randomized clinical trial. Two hundred (200) restorations will be performed on children aged 4 to 10 years who present at least one dentin caries lesion or restoration needing...
Microbial Sampling of Carious Dentin
The School of Dentistry is seeking to determine whether viable microorganisms remain within tooth structure after conventional, mechanical removal of areas of tooth decay, prior to placement or replacement of tooth restorations (fillings). The long-term goal of the work is to decrease the failure rate, and therefore increase the longevity, of tooth restorations (fillings) in human patients and populations.
Post-operative Hyper-sensitivity Assessment After Immediate Versus Delayed Dentine Sealing in Teeth for Indirect Tooth Colored Restorations
PICOT elements:P: Teeth restored with indirect tooth colored restoration I: Immediate dentin sealing using universal adhesive C: Delayed dentin sealing O: Post-operative Hypersensitivity T: -Hypersensitivity assessment one week during provisionalization period and post-cementation S: Randomized Controlled Clinical Trial
Clinical Retention of Glass Ionomer Sealants Placed With and Without Rubber Dam: a Comparative Analysis
A comparative analysis of glass ionomer sealant placed on permanent molars with and without a rubber dam to assess the retention over a 2 year period.
Immediate and Delayed Dentin Sealing Effect on Partial Crowns
Immediate Dentin Sealing as an adjunct to adhesive cementation of all ceramic restorations is proposed and executed in several studies, but there is very limited evidence to support its effectiveness. It is presumed that IDS both reduces postoperative sensitivity and increases the bond strength to dentin as compared to DDS.
Effectiveness of Arginin and Potassium Nitrate Dentifrices in Dentin Hypersensitivity Therapy
Introduction: Dentin hypersensitivity (DH) could be defined as a brief and sharp pain in response to thermical, chemical, tactile and osmotic stimuli, which cannot be attributed to any dental condition or pathology. Multiple therapies for the treatment of DH have been studied, including equivocal evidence about the efficacy of potassium nitrate salts and recent investigations a promising new 8% Arginin dentifrice. Aim: The aim of this study is to compare the clinical effective...
Antibacterial Effect of Light-activated Calcium Silicate Versus Light-activated Calcium Hydroxide
This is a randomized clinical study. 48 subjects with a confirmed diagnosis of deep carious molars without pulpal lesions were randomized to one of two treatments: Patients treated with Light-cured calcium silicate (Theracal) liner, or treated with light-cured calcium Hydroxide (Biner LC) liner. Both two Treatments are with the step-wise excavation Technique. Treatment will be done at baseline, collecting dentin sample before application of liner material, then patients will b...
Deproteinization as a Coadjuvant in Dentin Adhesion of Noncarious Cervical Lesions
This study will verify the effect of the application of a substance (10% sodium hypoclorite -NaOCL) in dentin on noncarious cervical lesions, with the aim of increasing the longevity of the restorations performed in this type of lesion. The hypothesis of the present study is that the application of deproteinization solution after acid etching does not influence the failure rate of the restorations.
Estimate the Effect of the Photo-activated Disinfection on the Root Canal Therapy
This study tries to collect clinical cases to compare the clinical effect of traditional root canal disinfection, to photodynamic in root canal disinfection .And provide the reference for clinical application and experience.
Effects of Autogenous Dentin Graft on Socket Preservation
Various graft materials are used to reconstruct bone defects in the jaws due to tooth loss, trauma, advanced periodontal diseases, pathological lesions and congenital disorders. The main features of an ideal bone graft are osteogenesis, osteoinduction and osteoconduction. Autogenous bone graft is considered as the gold standard among all bone graft materials. Because it has all the features that an ideal bone graft should have. However, there are some disadvantages such as dono...
A Feasibility Study to Evaluate Skin Cleansing With a Sodium Hypochlorite Wash
Feasibility study in approximately 20 subjects to investigate the rate of infection with subjects undergoing elective lower extremity arterial bypass graft surgery or femoral endarterectomy. The subjects are instructed to shower with the sodium hypochlorite body wash daily, or as modified by the physician, for 5 of the 7 days leading to their surgery.
Alveolar Ridge Preservation Using Autogenous Tooth Graft Versus Autogenous Demineralized Dentin Graft.
Alveolar bone resorption following tooth extraction is unavoidable. Graft placement following extraction is recommended when considering restorative procedures afterwards. The extracted tooth was considered a clinical waste. However, it is now seen as a convenient and available source for graft material. Different protocols are applied to process the extracted tooth for obtaining the graft material and investigations are needed to assess the protocol with the best outcome.
Use of Biomaterials as Desensitizer Agents
Aim: to investigate the clinical effectiveness over 12 weeks of three different biomaterials, nano-hydroxyapatite based, in the therapy of the dental sensitivity. Methods: The study is designed as a randomized clinical trial comparing: 1) Cavex Bite&White ExSense, 2) Teethmate™ Desensitizer , 3) Ghimas Dentin Desensitizer. The pain experience was generated by a cold stimulus directly to a sensitive tooth surface and assessed using the Visual Analogue Scale (VAS). The respons...
Effectiveness of Nanohydroxyapetite Paste on Reducing Dentin Hypersensitivity
The aim of this study is to compare the efficacy of dentine hypersensitivity reduction using in office paste formula containing nanoHydroxyapatite with the commercially available fluoride (duraphat) and a placebo in treating hypersensitivity in a single visit.
Different Concentrations of Potassium Nitrate in In-office Tooth Bleaching Sensitivity
The aim of this randomized, double-blind controlled clinical study was to evaluate the absolute risk and intensity of sensitivity to dental bleaching in adults on the application of two different gels based on potassium nitrate and sodium fluoride from a prospective randomized clinical study.
Clinical Efficacy in Relieving Dentin Hypersensitivity of Nanohydroxyapatite-Containing Toothpastes and Cream
This study will investigate the effectiveness of nanohydroxyapatite (nano-HAP)-containing toothpastes and cream to relieve dentin hypersensitivity, comparing it with those of a commercial desensitizing dentifrice containing calcium sodium phosphosilicate (Novamin® technology) and a standard fluoride dentifrice containing 1,500 ppm fluoride as sodium monofluorophosphate (MFP).
Correlation Between Root Resorption and Dentin Sialoprotein Upon Application of Different Orthodontic Forces.
Since root resorption is a frequent consequence of orthodontic treatment, DSP are non-collagenous dentin-specific matrix proteins postulated to be involved in the mineralization of pre-dentin into dentin. Calculating the amount of DSP -Dentine Sialo Protein- produced upon root resorption might be an indicative biological marker for root resorption
Clinical Study of the Whitening Dentifrices on Tooth Color and Sensitivity
Objective:The aim of this clinical study was to evaluate tooth color alteration (ΔE) and tooth sensitivity (TS) in patients that used two commercial brand-whitening dentifrices for four weeks. Sixty participants were selected in accordance with inclusion and exclusion criteria and randomly allocated in three groups (n=20): G1-Colgate Luminous White®, G2- Close up White Now® and G3- Sorriso® dentifrice (placebo). Then, participants received the instructions to use only the b...
4% Articaine and 2% Lidocaine by Intraligamentary Technique in Irreversible Pulpitis
This study compared the anesthetic efficacy between Lignocaine and articaine administering it intraligamentarly using ligajet in twenty five female patients having irreversible pulpitis on bilateral mandibular molars. At 5minutes of post injection, the teeth were isolated with rubber dam and access performed. Patients were instructed to definitively rate any pain felt during endodontic procedure. If patient felt pain, the treatment was immediately stopped and the patient rated ...
Nano-hydroxyapatite With Potassium Nitrate in the Therapy of the Dental Sensitivity
The chief aim of this study is to evaluate the difference in tooth sensitivity after having used a gel containing nano - hydroxyapatite and potassium nitrate This randomized double-blind clinical study is designed to compare the efficacy in reducing dentin hypersensitivity of a toothpaste gel containing Nano-hydroxyapatite and potassium nitrate (Cavex Bite & White ExSense, Cavex Holland BV) with a fluoride-based gel toothpaste ( Colgate, Protection Caries, Palmolive SPA ). ...
Study to Investigate the Efficacy of an Occluding Dentifrice in Providing Relief From Dentine Hypersensitivity
This will be a single centre, two week, randomised, examiner blind, two treatment arm, parallel design, stratified (by maximum baseline Schiff sensitivity score of the two selected test teeth), controlled study, in participant with at least two sensitive teeth that meet the study criteria at the Screening and Baseline visits. The study will be conducted in participants in good general health, with pre-existing self-reported and clinically diagnosed tooth sensitivity at screenin...
Effect of a Self-adhering Material in Dental Hypersensitivity
Aim: To compare the desensitizing capacity of Vertise FlowTM (VF), a new self adhering material, in the treatment of dentine hypersensitivity (DH) in patients who are xerostomic due to radiotherapy for head and neck cancer. Methods: A total of 17 patients were selected for the study. The study was conducted as a split-mouth randomized clinical trial comparing: 1) VF 2) Universal Dentin Sealant (UDS), 3) Clearfil Protect Bond (CPB) and 4) Flor-Opal® Varnish (FOV). Basal and st...
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Ultraviolette F77 Specifications
(4 reviews & ratings)Rate this bike
|Fuel Type :
|Range :
|130-150 km/charge
|Battery Type :
|Charging Time :
|1.5-5 Hours
|Brakes Front :
|Power :
|Kerb Weight :
|158 kg
|Starting :
|Self Start Only
|Wheels Type :
|Tyre Type :
|Digital Fuel Indicator :
|Standard Warranty (Years) :
Get Loan starting @9.7% View On Road Price
Ultraviolette F77 Specifications Summary
|F77 Variants
|Key Specifications
|Key Features
|Electric, 130-150 km/charge, Lithium-ion, 1.5-5 Hours, 158 kg view all
|Disc Brakes Front, Alloy Wheels, Tubeless Tyre, Digital Fuel Indicator view all
Ultraviolette F77 Overview
Ultraviolette F77 Rs. 3.00 lakh
4.6Rate this bike
Must Read Questions & Answers Before Buying F77
Q. What is the top speed of the Ultraviolette F77?
- It would be too early to give any verdict as Ultraviolette F77 is not launched yet. So, we would request you to wait for its launch. : By Zigwheels | 1 month ago
- Ultraviolette claims a top speed of 147kmph : By Ajit | 4 weeks ago
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Articles in Miss Lebanon Australia, Cities, Towns & Villages, Food and Local News
Prestons couple to be married by Microsoft
by SHEREE MUTTON on
A Prestons groom-to-be will organise his wedding using only the internet after winning a Microsoft competition. Michael Najm & his fiancee Jenny Romero, were the winners of the computer giant's social experiment known as the 'Microsoft Marry Me'...... Read full article
السفير البابوي في كانبيرا كرم القائم بأعمال سفارة لبنان وقلده ميدالية البابا فرنسيس
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Miracle at St Charbel's Church, Sydney! Watch Virgin Mary's lips 'MOVE' on painting during prayer
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Street coup for Australian Kfarsghab Association
THERE'S a Parramatta Rd in the Lebanese village of Kfarsghab and now Parramatta is set to return the favour. Parramatta Council is considering renaming Amos St, east of Good St, Kfarsghab Pl in recognition of the ties our city has...... Read full article
ALF 2017 Scholarship Presentation Dinner and Public Lecture with Mr. Carlos Ghosn
Earlier this month, the Australian Lebanese Foundation hosted it's ever-popular Scholarship Presentation Dinner and Talent Showcase in MacLaurin Hall, University of Sydney and again it attracted a full house. ... Read full article
Iraq-Australia Ambassadors Joint Event
by Iraq Today on
HE Mr Bob Tyson, Australian Ambassador to Iraq HE Mr Ghanim Taha A Al-Shibli, Iraqi Ambassador to Australia... Read full article
by Wikipedia on
Zgharta, is a large town in North Lebanon, with an estimated population of around 70,000. Zgharta is about 150 metres above sea level and lies between the rivers of Jouit and Rashein ...... Read full article
Dr Jamal Rifi named 2015 Australian Father of the Year
by Joanna | Shepard's Centre on
The prestigious 2015 Australian Father of the Year Award has been awarded to Dr Jamal Rif in honour of his devotion to his family, his commitment to his profession and his strong personal efforts to build understanding between Muslim and non-Muslim..... Read full article
Letter from Bishop Antoine-Charbel Tarabay to the Prime Minister of Australia and the Premier of NSW
Letter from Bishop Antoine-Charbel Tarabay, Maronite Bishop of Australia, addressed to The Honourable Tony Abbott MP, Prime Minister of Australia, and The Honourable Mike Baird MP, Premier of NSW... Read full article
Lebanon and the Sydney International Food Festival
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Does Islamic bank financing lead to economic growth: An empirical analysis for Malaysia
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References listed on IDEAS
- Jith Jayaratne & Philip E. Strahan, 1996. "The Finance-Growth Nexus: Evidence from Bank Branch Deregulation," The Quarterly Journal of Economics, Oxford University Press, vol. 111(3), pages 639-670.
- Beck, Thorsten & Levine, Ross, 2004.
"Stock markets, banks, and growth: Panel evidence,"
Journal of Banking & Finance,
Elsevier, vol. 28(3), pages 423-442, March.
- Thorsten Beck & Ross Levine, 2002. "Stock Markets, Banks, and Growth: Panel Evidence," NBER Working Papers 9082, National Bureau of Economic Research, Inc.
- Rajan, Raghuram G & Zingales, Luigi, 1998.
"Financial Dependence and Growth,"
American Economic Review,
American Economic Association, vol. 88(3), pages 559-586, June.
- Raghuram G. Rajan & Luigi Zingales, "undated". "Financial Dependence and Growth," CRSP working papers 344, Center for Research in Security Prices, Graduate School of Business, University of Chicago.
- Raghuram G. Rajan & Luigi Zingales, 1996. "Financial Dependence and Growth," NBER Working Papers 5758, National Bureau of Economic Research, Inc.
- Sami Ben Naceur & Adolfo Barajas & Alexander Massara, 2017.
"Can Islamic banking increase financial inclusion?,"
Chapters, in: M. Kabir Hassan (ed.), Handbook of Empirical Research on Islam and Economic Life, chapter 9, pages 213-252,
Edward Elgar Publishing.
- Sami Ben Naceur & Adolfo Barajas & Alexander Massara, 2015. "Can Islamic Banking Increase Financial Inclusion?," IMF Working Papers 15/31, International Monetary Fund.
- Klaus Neusser & Maurice Kugler, 1998. "Manufacturing Growth And Financial Development: Evidence From Oecd Countries," The Review of Economics and Statistics, MIT Press, vol. 80(4), pages 638-646, November.
- M. Hashem Pesaran & Yongcheol Shin & Richard J. Smith, 2001. "Bounds testing approaches to the analysis of level relationships," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 16(3), pages 289-326.
- Beck, Thorsten & Levine, Ross & Loayza, Norman, 2000.
"Finance and the sources of growth,"
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Elsevier, vol. 58(1-2), pages 261-300.
- Beck, Thorsten & Levine, Ross & Loayza, Norman, 1999. "Finance and the sources of growth," Policy Research Working Paper Series 2057, The World Bank.
- Ang, James B. & McKibbin, Warwick J., 2007.
"Financial liberalization, financial sector development and growth: Evidence from Malaysia,"
Journal of Development Economics,
Elsevier, vol. 84(1), pages 215-233, September.
- James B. Ang & Warwick J. McKibbin, 2005. "Financial Liberalization, Financial Sector Development And Growth: Evidence From Malaysia," CAMA Working Papers 2005-05, Centre for Applied Macroeconomic Analysis, Crawford School of Public Policy, The Australian National University.
- Asli Demirgüç-Kunt & Vojislav Maksimovic, 1998. "Law, Finance, and Firm Growth," Journal of Finance, American Finance Association, vol. 53(6), pages 2107-2137, December.
- Rousseau, Peter L & Wachtel, Paul, 1998. "Financial Intermediation and Economic Performance: Historical Evidence from Five Industrialized Countries," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 30(4), pages 657-678, November.
- Mansur Masih & Ali Al-Elg & Haider Madani, 2009. "Causality between financial development and economic growth: an application of vector error correction and variance decomposition methods to Saudi Arabia," Applied Economics, Taylor & Francis Journals, vol. 41(13), pages 1691-1699.
- Nejib Hachicha & Amine Ben Amar, 2015.
"Does Islamic bank financing contribute to economic growth? The Malaysian case,"
International Journal of Islamic and Middle Eastern Finance and Management,
Emerald Group Publishing, vol. 8(3), pages 349-368, August.
- Néjib Hachicha & Amine Ben Amar, 2015. "Does Islamic bank financing contribute to economic growth? The Malaysian case," Post-Print hal-01745751, HAL.
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"Financial development and economic growth,"
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- Muhamad Abduh & Mohd Azmi Omar, 2012. "Islamic banking and economic growth: the Indonesian experience," International Journal of Islamic and Middle Eastern Finance and Management, Emerald Group Publishing, vol. 5(1), pages 35-47, March.
More about this item
KeywordsSupply leading; Demand following; Causality; Islamic banks; Malaysia.;
JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
NEP fieldsThis paper has been announced in the following NEP Reports:
- NEP-FDG-2016-06-18 (Financial Development & Growth)
- NEP-SEA-2016-06-18 (South East Asia)
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