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I kid, of course. The market is up 200 points today, not because GM is filing bankruptcy, but rather because investors seem to understand that the event itself is not at all catastrophic. After all, Chrysler is emerging from bankruptcy shortly and actually saw sales go up after they filed. It seems that most people, investors and car buyers alike, understand that Chapter 11 is a legal corporate process first and foremost and should be an afterthought to car buyers. Still, who would have thought the market would react quite so well initially?
Two short points on GM. First, the stock is up 20% today to about 90 cents. It's worthless, folks. Those who still grip their "efficient markets hypothesis" tightly can use this as a perfect case study against the theory.
Second, how will we be able to judge whether "New GM" is viable long term after they emerge from bankruptcy (which many say will be before summer ends)? It's all about cost structure. Many attribute their latest woes chiefly to the weak economy and lack of credit, but they seem to have forgotten that GM was a money loser in 2006 and 2007, when credit was flowing more freely than any other time in our history.
Consider the chart below, which shows how far from profits GM has been over the last three years:
As you can see, GM needed a near-10% mark-up over cost to breakeven on their vehicles. They never hit that goal in 2006-2007, even before they started selling cars for less than they built them for in 2008. If "New GM" can get their costs down, and have them be predictable and stay low, the company might be able to make a comeback down the road. It won't be easy, but Chapter 11 was the only way to make it even a reasonable possibility.
Full Disclosure: No position in GM, past or present.


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The Oklahoma American Legion
The American Legion sponsors 50 Boys States throughout the continent and Puerto Rico. Each Boys State provides a learning and growing experience for boys who have completed their junior year in high school. The methods to select boys to attend the program vary from state to state and even from Post to Post, but all share the common goal of providing the most beneficial experience to those who appear to have the most potential for leadership and service.
The American Legion hopes to foster patriotism, citizenship, and leadership through its weeklong Boys State programs. Many of the states' programs have slight differences, but we feel that the Department of Oklahoma's is among the very strongest.
At Oklahoma Boys State, we emphasize not only the elective democratic process, but also the legislative, bill-writing activities found throughout our government. As the week passes, each Oklahoma delegate finds himself in a variety of government situations at the city, county, and state levels. Well-rounded athletic and academic programs complements the government simulations to provide a complete week of learning both in and out of the classroom.
Each delegate is given the opportunity to pursue both elected and appointed positions in his Boys State City or at the county or state level. Whether or not the delegate chooses to pursue an elected or appointed position, he will serve as either a state representative or senator (appointed at random prior to the session) and will be authoring, debating, and voting on Boys State legislation in his respective county legislature.
Boys State works because of the nearly 90 staff members and about 700 delegates that make it work. The Director and his staff work throughout the year to improve each session and each one does seem to be better than the last.

subset: commoncrawl


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How To Come Up With A Good App Name, And Why It's Crucial!
In this opinion piece, Paul Lin, CEO of mobile app developers Empirical Works, says it's paramount to have a good app name, and gives us the run-down on how to make sure it's actually good.
It is no exaggeration to say that naming your app well is critical for its success. A well-named app is instantly noticeable and memorable when a user spots it in the app store – with so many new apps landing on the app stores each day, visibility is essential.
A well-named app also tends to pop up high on the search results list when users search for a topic relevant to it.
But naming an app isn't easy – after all, you've only got a tiny few characters to do it, and those characters need to convey a lot of explicit and implied messaging.
What to do
1. Research your name ideas first
The app name obviously has to be original, and it can't just be original on the app store that you're submitting it to; if you're planning on setting up a website, Facebook page, and Twitter account to support the app (and of course you should be doing that), then you'll need to make sure your app's desired name is original across the whole Internet. Discard any app name ideas where you spot duplication.
2. Use a compound word
A popular trend among the most popular apps is to take a word that describes what the app does ("note", "Tweet"), and enhance it with an emotive word that grabs the user's attention ("Ever," "bot"). The result is a descriptive word that immediately engages the user's emotional interest while also explaining what the app does (you guessed it – "Evernote" and "Tweetbot").
3. Make it pronounceable
This should go without saying, but a person should be able to repeat the name of the app in conversation. So, make sure you have a really good reason before mashing symbols or numbers in between letters in your app name.
4. Use correct grammar
An app will occasionally hit the big time when its name is presented all in caps, or starts with a lowercase letter, but if you do this you'll be fighting an uphill battle for legitimacy you wouldn't have to fight otherwise. We strongly recommend that you name apps using sentence-case, where you capitalise the first letter of each word, use lower-case for each other letter, and don't capitalise small joining words such as "the", "and," or "is."
5. Use no more than 11 characters for the bundle display name
Research has shown that a name should be 11 characters or fewer. Coming in at or below that number will mean the app looks clean and complete on the user's collection of apps on their device, which in turn helps to generate confidence in it.
What not to do
1. Fail to optimise for keywords
Before your name your app, you should research what the most popular keywords are, related to what the app does. The name of the app should reference at least the most popular search term, because in doing that, the app will be more easily discoverable through search.
2. Use an overused or trademarked name
If you've built a game and put "Angry" or "Zombies" in the name, then you've deliberately put it out into a swampland filled with "Angry" and "Zombie" games that consumers are tired of wading through. Call your photo-taking app "Insta-something," and you may well have Facebook's lawyers come knocking. Don't infringe on trademarks, and don't use overused names.
3. Miss out on taking advantage of bundle display name vs app name
After coming up with a killer bundle display name, many developers forget to follow through and come up with something more descriptive. The app name can be significantly longer and more descriptive than the bundle display name, and it is here where you can load your app up with good, highly searchable words to pull in any audience that might be looking on the Internet for what your app is offering.
4. Fail to research your Twitter and Web URL first
So many developers come up with a killer app name that is original and interesting to the app store, only to discover that either the URL or social media profiles for that name are already taken. This can really impact on the public perception of your app, if the pre-existing account and website (where you can't control content) are of a poor standard. We can't emphasise this one enough: make sure you're able to register all social media profiles and websites you'll need to suit the name of your app before you register the app name.
5. Rush


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"Crash Landing," Ensign, Jan. 2002, 26
Crash Landing
The pilot said we had an emergency. I asked myself, "Am I ready to meet my Heavenly Father?"
As a young boy on the island of Tongatapu in Tonga, I often climbed the coconut trees on our plantation and watched the planes take off and land on the grass airfield nearby. Perched atop these exceedingly tall trees, I longed to climb on one of those planes someday and fly off to faraway places like Niuatoputapu, one of the northernmost islands, about 375 miles away.
I had my chance to fly to Niuatoputapu in April 1983. I was a mission president and had flown to many places between islands on a five-passenger plane to attend zone conferences. Since I often sat next to the pilot on flights between islands, we had become friends. So when he invited me to be a passenger on the first flight there, I remembered my childhood dreams and said yes. What a treat it would be to take my wife, Lani, along as well. What a blessing it would be to the members and missionaries on that little-visited island to hold a missionary conference there.
Obeying the Spirit
We were expecting our seventh baby in June, but Lani was healthy and feeling fine. She was absolutely delighted with the idea of coming with me. As the day of the flight approached, Lani became more and more excited to go to a place she had never been before; however, I began to resist the idea of her coming with me. I had no particular reason really. I just did not have a good feeling about it. Lani was puzzled when I asked her if she would remain at home, but she agreed and didn't complain.
Instead, at the last minute I took my counselor, Sione Schaumkel. We boarded the five-seater plane with three other passengers: Paula Vivili, a police officer; Dr. Tauhelangi Kefu, of the Ministry of Health; and a woman from the U.S. Peace Corps. President Schaumkel and I were assigned the two rear seats, Paula Vivili and the Peace Corps volunteer were in front of us, and Dr. Kefu sat by the pilot in the cockpit.
After three hours in the cramped quarters of this small plane, we were delighted to see the island of Niuatoputapu appear on the horizon. Our joy was brief, however, since the pilot seemed to be having trouble getting all the landing gear to come down. We flew over the little airport on the island at a considerable altitude, circled around the neighboring island of Tafahi, and came back toward the airport at the same altitude. The pilot, however, made no effort to land the plane, and we flew right over the island of Niuatoputapu. We realized we were on our way back home.
By now we were feeling a bit uneasy. Our fear increased when the pilot announced there was an emergency, and he had to jettison all the excess fuel. He took the plane up, turned off the engines, and released the fuel as the plane lost altitude. Then he started up the engines again and pulled the plane out of the dive. The execution of this maneuver left us breathless and somewhat shaken as we continued on. As we continued to fly south, the islands of Vava'u came into view and one of the passengers begged the pilot to land there. "The small airport isn't equipped for emergency landings," the pilot said.
"Lean Forward and Duck!"
No one talked much after that. As for me, I asked myself, "Am I ready to meet my Heavenly Father?" Since I was in the tail section of the plane, which was farthest from the door, I knew President Schaumkel and I would be last to escape in a crash. During these moments I saw my life pass before me from the beginning. I was grateful Lani and our unborn baby were safe at home. As I prayed, I began to feel a definite sensation of peace that dispelled all my fears and anxieties. I felt so reassured that I said to President Schaumkel, "Be comforted. Nothing serious will happen to us."
It seemed forever before we saw the island of our home—Tongatapu. We flew low over the Fua'amotu airport control tower so the people could confirm what we feared—the front wheel of the landing gear was jammed. Below, we could see fire engines, an ambulance, policemen, and soldiers from the Defense Force. People crowded onto the field. We knew we were in big trouble.
We made our final turn and descended to the small grassy field. The back wheels touched firmly down onto the grass. With no front wheels, the pilot carefully brought the nose of the aircraft down. I shouted to President Schaumkel, "Lean forward and duck!" We both bent forward at the same time, with our heads against the seats in front of us. In the very instant its nose touched the grass, the plane somersaulted and crashed violently upside down with the wheels in the air. The plane skidded forward, tail section first. The screeching of metal and cries of the passengers filled the air. President Schaumkel and I remained conscious throughout.
A Way Provided
When the plane stopped skidding, I noticed that the window on President Schaumkel's side had popped out. It was only about the size of a car window, but it would be big enough for us to crawl out. We unbuckled our seat belts and scrambled out in a matter of seconds. The plane was twisted, but we had not been seriously hurt. Could my sweet Lani have been hurt or killed? Could this crash have caused our baby to come early or die? I felt we had been saved by divine means.
We climbed out of the plane on the side of the runway on the opposite side of the crowd. Still in our clean white shirts and ties, we were standing near the tall elephant grass at the edge of the field. No one could really see us, nor had anyone seen us escape from the plane. We walked around the plane. Again, no one seemed to pay any attention to us. Rescuers were struggling to open the only door to the little plane, which was jammed shut. Gratefully there had been no fire, or perhaps none of us would have survived.
As the rescuers worked to free our fellow passengers, we made our way to the hospital vehicles. When we climbed into the back of the ambulance, the attending nurse told us to clear out. Being obedient, we quietly got out, walked around, and climbed into the front seat. We watched the rescue and contemplated, with much gratitude, our miraculous escape. We were worried about the others, including my friend, the pilot.
At last they pried the front door open. The pilot, Dr. Kefu, and the Peace Corps volunteer were alive but injured. Paula Vivili was dead.
Unnoticed and Unruffled
"Where are the other two passengers?" the rescuers yelled. "There were two more passengers!"
I said to the nurse, "Tell the rescuers the two passengers they are looking for are sitting right here."
The nurse whirled around and looked at us: "Were you on this flight?" she asked.
"Yes," I said. "That's why we got into the ambulance in the first place."
Embarrassed but happy, she came up and kissed our cheeks in the typical Tongan greeting, then ran out to tell the others we were safe.
Well-wishers surrounded us immediately, people of all ranks, including cabinet ministers. They kissed us and fussed over us, asking, "How could it be that you should have survived without injury?" The people were profoundly moved by the discovery that we had escaped unhurt, unnoticed, and unruffled. Official investigators from New Zealand were amazed that the tail section we sat in had not broken off upon impact. As people talked about the disaster, they were curious, and it became a means of opening doors for preaching the gospel. It was a testimony to us and the people of the Lord's care for us.
Lessons Learned
This experience increased my faith and gratitude to my Heavenly Father for His protection and the preservation of my life. I am thankful for the promptings of the Spirit to me that my wife should not come with me on this flight and that she had faith enough to listen to me and believe. Perhaps things would have been different if Lani had been in the plane crash with me. Not only was our seventh child born healthy, but we eventually had an eighth child. My faith has increased steadily as I have learned that living the gospel brings peace, which is especially appreciated at times of difficulty, such as this plane crash.
"The Holy Ghost communicates with the spirit through the mind more than through the physical senses. This guidance comes as thoughts, as feelings, through impressions and promptings. It is not always easy to describe inspiration. The scriptures teach us that we may 'feel' the words of spiritual communication more than hear them, and see with spiritual rather than with mortal eyes."
President Boyd K. Packer, Acting President of the Quorum of the Twelve Apostles, "Revelation in a Changing World," Ensign, Nov. 1989, 14.


text: we offer Two Component Cementitious Waterproofing Products & Acrylic Cementitious Waterproof Coatings For Water Tank Waterproofing Application , Waterproof Coating For Terrace Water Proofing & Waterproof Coating For Basement Waterproofing with " PERMA GUARD 2 K" USES : Perma Guard 2 K has been found to perform exceptionally well with following applications: RCC terrace waterproofing.Sealing leakage through cast iron, asbestos or stoneware pipes.Waterproof Coating on bridge girders and under deck waterproofing of bridges.Sealing cracks in asbestos cement sheets and sealing 'J' bolt openings.Waterproof Coating on leaky plaster surfaces.Podium slab waterproofing.Basement retaining wall waterproofing.To waterproofing water tanks and waterproofing swimming pools. Perma Guard 2 K is a polymer modified cementitious acrylic water proofing system with a very wide scope of applications in water proofing and corrosion inhibition situations. Perma Guard 2 K is a two component material which forms a flexible reinforced membrane upon curing.


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When you make this cool and refreshing Blackberry Gin Fizz, your taste buds will sing. It is a perfect afternoon drink with the right amount of sweet.
I'm not a huge boozer. No really, I promise! I do, however, find myself craving certain cocktails. Okay, maybe I'm a bit of a boozer. My favorite? A spicy bloody mary (coming soon). But sometimes, like on a hot late summer afternoon, you just need something refreshing. Oregon is known for its incredible berries. What better way to honor this gorgeous fruit than to let it absorb some sugar and gin and then transform it into something that makes my mouth very happy?
I'm not gonna lie. Straining out all those wretched blackberry seeds through a fine mesh strainer was a serious pain. But to savor a refreshing cocktail that is just the right amount of sweet and with the right amount of tart and of course the right amount of booze? Totally worth it.
Blackberry Gin Fizz
- 1 cup fresh blackberries
- 2 tablespoons sugar
- 1/2 cup gin
- 1 lime
- Club soda or lemon lime soda*
- Puree blackberries with 1 tablespoon water in blender. Smash puree through a fine strainer into a glass and discard remaining seeds and pulp.
- Add 2 tablespoons sugar, 1 teaspoon zest from lime, juice from lime, and gin. Allow to macerate for a good 30 minutes.
- Divide blackberry mixture between two glasses. Fill with ice. Top with soda. Garnish with fresh sprigs of basil or lime slices.


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Free Family Movies
Family-friendly movies air every month on the big screen indoors at the Riverview Community Hall (145A Lakeside Drive) or outside in Caseley Park. Admission and popcorn are free! Oh, and there are plenty of snacks to purchase from the canteen. Children 12 and under must be accompanied by an adult.


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Get noticed
Whether it's your business, charity or club there are many times that professionally taken press and public relations photographs can give you the best publicity.
You might be giving a large cheque to charity, opening a new office, or rewarding a long-standing member of staff. Maybe you need photographs for your website. Visual images give far more impact than just text alone.


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Get Plugged In
There are a few ways you can partner with the Run for a Mom event. We need TONS of volunteers to help work the 5k and the Fun Run. Just click on the "volunteer" tab above. If you'd like to sponsor the run, we would truly appreciate it. There are several sponsorship levels available, each with its own promotional advantages. Take a look by clicking on the "become a sponsor" tab above. Our swag bags are an excellent way for you to get a message out to the runners. Perhaps you have an event coming up, a coupon/voucher for your business, or a flyer that you'd like for us to include in the bags. No problem! Just contact us at firstname.lastname@example.com or 334-272-9466 with any questions or ideas.
Register as an official day of the race volunteer here!


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sleepmakeswaves have reached their target of raising $25,000 in pre-orders to fund their new album.
With 12 days still to go on the Pozible campaign, the band have received contributions from 450 fans so far, ranging from pre-orders for the album on CD, digital and vinyl formats, to limited edition t-shirts, hoodies & drum heads.
The Sydney post-rock band recently announced they would be touring overseas in April and May including UK festival Beyond The Redshirt & Belgium's Dunk Festival, with more European & Australian dates to be announced soon.
Their as-yet untitled second album is due for release mid-2014.
To watch the campaign video visit www.pozible.com/


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In one more week I'll officially get to check off a place on my bucket list and that is Machu Picchu!
When I see pictures of Machu Picchu it gives me that sense of awe and curiosity of how a place like that exists in the world. I can't imagine the feeling I will get once I get to see this magical place in real life. Maybe some tears of joy? Haha anyhow, I wanted to share some other items on my bucket list to possibly spark some interest for you to start checking off things on your bucket list as well. 😉
See the Lantern Festival in Thailand (planning to check this off in November 🙂
Patagonia, Torres del Paine, Perito Moreno Glacier, the marble caves, and everywhere else a part of this amazing scenery in Argentina/Chile. (The picture below is of Monte Fitz Roy and everytime I see it I get that burning desire and a little bit of an anxiety attack)
See the Northen Lights
See the Milky Way (This picture is from a state park in Pennsylvania! I'll have to visit this place soon)
Hot Air Balloon Ride in Cappadocia, Turkey
These are just some of things I want to see and places I want to go. I also want to live in a different country, go on a round-the-world trip, learn how to scuba dive, and the list goes on.
What do you guys have on your bucket list? And what are you marking off this year? 🙂


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Lymphatic Drainage In Richmond
The Lymphatic system is a key part of our immune system, fighting infections and removing waste products and toxins from the body.
If your immune system is under performing you may experience fatigue, swelling, or be constantly fighting illnesses such as colds and flus. During these times your lymph glands are often sore and inflamed.
Manual Lymphatic Drainage (MLD) is a great way to help stimulate your lymphatic system and improve your general health. It is a gentle relaxing treatment that supports the natural function of the lymphatic system to eliminate toxins and wastes from the body.
This treatment may assist if you experience:
- Lymphedema,
- Sporting injuries
- Glandular fever
- Digestive complaints
- Colds and Flu
- Weak immune system
- Inflammatory conditions such as arthritis, Bronchitis and asthma
- Skin conditions such as acne and psoriasis are present
- Fighting infections
- Post-op lymphatic congestion
- Recovery from plastic surgery
- and more
Health Funds
Naturally U therapists are professionally qualified and have registration with the Health Funds, including Medibank, Australian Unity, BUPA , HCF and more. As each therapist must register with the health funds individually please confirm with your individual therapist that they are covered by your chosen health fund.


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Restaurant Reviews & Food & Drink Article Category
Articles about or concerning Restaurant Reviews, Yahoo Restaurant Reviews, Famous Restaurants, Online Restaurant Reviews.
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Pooja Sharma (January 23, 2013) Indian cuisine is one of the most popular types of food in all over the world. every one love Indian food. There are millions of Indian restaurants in all over world. India is a multi cultural country, after every 25 km, change the culture in India and according there culture food also change. So the diversity of Indian cuisine has been brought about by the influence of the different .. (Restaurant Reviews)
The Heritage of Indian Food and Indian Caterers
Jyotsna Tahilramani (January 22, 2013) Indian cuisine is more than just a type of food; it is the depiction of the true Indian lifestyle. The various cultures and religions that have been a part of the Indian subcontinent have left their mark on the vast Indian cuisine. These cultural influences in addition to the climate and the religion of the Indians have together created the massive food line-up that we call Indian .. (Restaurant Reviews)
Brunch Menu That Stands Out
Deanie Canales (January 14, 2013) Mother's Day, Easter Sunday and holiday weekends are some of the more popular times of the year to host a special brunch. Since a typical brunch combines a late breakfast and the lunch period, it is important to satisfy those seeking menu items from either meal time. Fine dining restaurants and hotel restaurants more often are the venues known for a more elaborate Sunday brunch .. (Restaurant Reviews)
Private Dining in a Chef's Kitchen
Deanie Canales (January 14, 2013) Private dining rooms in restaurants are rising in popularity today. This is because people enjoy the convenience of dining out with family and friends without worrying about the cleanup afterward. The cost of lost time while cooking and cleaning up after meals is measured in time and not dollars. Private dining in an area restaurant with your immediate family does not have to happen on .. (Restaurant Reviews)
Best dining places in Mumbai
Pooja Sharma (January 02, 2013) Every one was waiting for Christmas and 31st Dec to enjoy them with lot of excitement, and why should not we celebrate those unforgettable moments of our life ? cause every year brings lot of joy for us and every belated year went away by giving lot of sweet memories to us. But time is not stop for us, it is continue be ahead, so we should walk with time. Just forget about yesterday and . (Restaurant Reviews)
New Year Party places in Chennai
Pooja Sharma (December 31, 2012) Get an Idea to celebrate your new year party with best food and drinks. In Chennai lot of cuisines arranging hot parties for new years eve. Just select as per your choice, and enjoy this great moment. Even if you are completely familiar with the Food Court at Express Avenue Mall, there are chances that you could walk right past "Cilantro" without even knowing. As you .. (Restaurant Reviews)
The Perfect Food for New Year Party in Bangalore
Pooja Sharma (December 28, 2012) For those person who are looking for the best food and drink to serve to bring in 2013 this is the one. We bring you the best food never tasted before and drink. There are lot of venues in Bangalore where celebrating new year party with best food and drink. Punjabi by Nature (PBN) blends new-age cocktails with typical asli Punjabi cuisine. Quite the same deftness it blends attentive .. (Restaurant Reviews)
Restaurants in Gurgaon: Dining out in best Multi Cuisine Restaurant
Pooja Sharma (December 04, 2012) Gurgaon is a charming city in the North of India its a part of Delhi, and although not a particularly big city, still has plenty of offer to visitors. In fact, Gurgaon is actually a IT Hub, lot of Indian and foreign companies head quarters are there, so its became a huge IT sector that's why restaurants, pubs and bars also grown up here very fast. The best recommendation any restaurant . (Restaurant Reviews)
Multi cultural food cuisine in the heart of Bangalore
Pooja Sharma (November 26, 2012) Bangalore has a wide and varied mix of restaurant types and cuisines. Where ever you will wondering in Bangalore you would be find each type of food restaurants. Here we have given some restaurants review, based on the food they used to prepare. The Outback Sizzles, Restaurant Review A restaurant with a different name and cuisine, Outback. Situated in the heart of the techie zone of .. (Restaurant Reviews)
Christmas New Year Party | Time to Set into the Christmas mood
Pooja Sharma (November 22, 2012) The spirit of Christmas is in the air and we are looking forward to meeting friends and family, planning dinners, Christmas trees, buying gifts and decorating our homes. One of the most happening places to be at this time is, "Christmas Town". A lot of special Christmas events will happen in December 2012. It's a creation by one of the most popular water parks, Busch .. (Restaurant Reviews)
The Art Of Cooking Delicious Steak
Derry Lee (November 16, 2012) Steak is a dish that has made its way into the hearts of many. You can toss a steak onto the grill for the perfect family barbecue. Nothing says summer like the savory smell of a juicy slab of steak. Anyone who wants to have a nice meal, or someone who is celebrating a special occasion, can enjoy the evening by visiting a restaurant and indulging in a delicious steak dinner. It's .. (Restaurant Reviews)
How to prepare less calorie sweet
Pooja Sharma (November 15, 2012) Diwali and sweets go hand in hand. But do you really need to load up on calories and send your blood sugar through the roof? Not at all! Sweeten this Diwali with lesser calories, without denying your sweet tooth the taste of sweetness. Malai Peda is the classic Indian sweet traditionally served at festivals. It is not only delicious but also has a long shelf life. How about making it at . (Restaurant Reviews)
Seafood and Spice is Very Nice
Deanie Canales (November 12, 2012) Many people love the combination of seafood and spice in a lip-smacking meal. The Jersey dining scene is littered with many places that offer delectable dishes that make use of some very spicy ingredients. In central Jersey alone, we discover many wonderful restaurants offering creative uses of chilies, curries, coriander and other blends of aromatic fruits and roots. Certain .. (Restaurant Reviews)
Ice Cream Parlour, for your special ice cream memory
Pooja Sharma (November 09, 2012) In a time when yoghurt-based and several other new kinds of ice creams are ruling the dessert scene, the variety available at Natural Ice Cream Parlour instantly reminds you of the simple and traditional ice cream. While its tag line reads Ice Cream of Juhu Scheme, today, the brand has gone way beyond the posh locale of Juhu, and is available at several places around Mumbai (and .. (Restaurant Reviews)
Neighbourhood – Hidden gem of Kemptown
Francesca Coppola (November 07, 2012) Walking down James Street on a majority of evenings out, eccentricity is commonplace. Deviating from the more conventional coffee houses and bars seen on high street corners, Neighbourhood certainly compliments Brighton's renowned individuality and echoes the industrial feel of Brooklyn dive bars and east London hangouts. Filled with a heterogeneous mix of vintage décor, .. (Restaurant Reviews)
Flavoured Delightful food at absolute restaurant Chennai
Pooja Sharma (November 07, 2012) Fusion food is a mysterious and mystifying term when it comes to describing the cuisine served in a restaurant. The air of mystery gets thicker as you walk into the recently opened restaurant in Chennai Absolute, at the Pod Hotel. Absolute prides itself for fine dining. The ambience Even as your gaze sweeps the wide open spaces, lush foliage and a lap pool, large red urns beckon you .. (Restaurant Reviews)
How To Pick The Perfect Steak For A Romantic Dinner
Derry Lee (November 07, 2012) Are you planning to cook a romantic dinner for your loved one? Do you want to make your significant other feel special tonight? Instead of going out for a date night, sometimes it is more romantic to stay at home and cook a private dinner for the two of you. Make it extra special by preparing your loved one's favorite steak. Read on to find tips on how to choose the perfect steak .. (Restaurant Reviews)
Spanish brunch at Poco Loco, Bandra
Pooja Sharma (November 06, 2012) Believe it or not brunch is the most convenient meal. And best so when it is served with wine! This weekend we indulged in the Sunday brunch at Poco Loco in Bandra. And only when we stepped out, we realized that we have spent 4 hours only eating! Let me start my review by mentioning the basics. The Brunch will cost you Rs. 999 (Alcoholic) and Rs.899 (Non Alcoholic). With unlimited .. (Restaurant Reviews)
Delhi Restaurants Guide and Reviews
Pooja Sharma (October 30, 2012) Blues Cafe and Bar: Any place in Connaught Place automatically adorns a tag of being classic Delhi. While there are new places that tend to ride on this notion but Blues is as old school Delhi as it gets. Nothing less than a mecca of sorts for many who grew up in the late 1990s Blues used to be the place once upon a time. There would always be great music and a lively crowd ready to .. (Restaurant Reviews)
Mediterranean food in the heart of Delhi
Pooja Sharma (October 29, 2012) There are places that manage to charm themselves by virtue of their location and Fio is surely one of them. Located in the Garden of Five Senses, Fio can be best described as a piece of Mediterranean food restaurant in the heart of Delhi. The food only adds to the visual delight that Fio is and once you visit this place, this could very well become one of those places you'd save .. (Restaurant Reviews)
Buying the Kobe Beef Online
Derry Lee (October 29, 2012) Kobe beef is a delicious food that you should treat yourself to once in a while. If you don't feel like dinning at a restaurant, you can always learn how to make great steaks with Kobe beef at home. Online meat shops have recently emerged on the market and are catering to the needs of people who prefer ordering steaks online. They offer Wagyu or Kobe beef that can be delivered .. (Restaurant Reviews)
Electric Mixer Types and Uses
Jazmine Holmes (October 28, 2012) Every cook who desires to earn a respectable tool in the kitchen demands to learn the difference of stand mixers in order to be able to gauge what tools must be used for certain recipes. This heightens the productivity in the kitchen and makes the work load less difficult and more rapidly. There are two kinds of mixers; The first one are labeled with solitary beater stay mixers and can . (Restaurant Reviews)
Golden Dragon a typical Chinese Cuisine in Delhi
Pooja Sharma (October 25, 2012) One of the oldest places in the NCR to serve Chinese cuisine, The Golden Dragon is nothing less than an institution unto itself. Years ago when the options and were limited and no one really knew what authentic Chinese cuisine entailed, Golden Dragon was the place to sample Oriental food among the top restaurants in Delhi. Almost like the fabled Chinese food the restaurant too goes .. (Restaurant Reviews)
Hunan Best Chinese and Fast food restaurant in Koramangala
Pooja Sharma (October 19, 2012) Hi Bangalore foodies I have bring a best fast food place for you. Do you eat at Hunan before. ? not a problem, you can go now! cause now days Hunan is busy for preparing authentic and delicious Chinese and fast food dishes. Dining at Hunan is a very pleasant experience. To be more precise, it is made a happy experience by the customized Chinese menu, good ambience and the reasonable .. (Restaurant Reviews)
Navratri Special Food Menu at Delhi Cuisines
Pooja Sharma (October 17, 2012) In Capital of India some restaurants organizing dandiya and navratri special food festivals. New Delhi, brings to you Special Navratri Thali never tasted this good for the fast observers. Thali will include Tomato Cucumber Salad, Aloo Raita, Sabudhane Ka Papad, Aloo Ki sabzi, Arbi, Lokki Ki Sabzi, Kuttu Ki Roti, Singhare Ki Puri, Sawai Ke Chawal and Sabudane Ki Kheer. The special nine .. (Restaurant Reviews)
Indulge with Korean and Andhra food in Chennai restaurants
Pooja Sharma (October 16, 2012) Do you like Korean food or Andhra food? Then come to Ambrosia for Korean food and Charminar for Andhra food. If you are craving authentic dum biryani, we know just the place for you, Charminar prepared a tasty biryani for you. Don't miss it. The word "Ambrosia" is often associated with Greek and Latin, it can even be likened to the "Amrit" of Hindu mythology, but . (Restaurant Reviews)
Visit at the Chancery Pavilion Luxurious Business Hotel in Bangalore
Pooja Sharma (October 15, 2012) When visiting Bangalore, if you are looking for luxury right in the heart of town, this is it! The Chancery Pavilion, a luxurious business hotel, stands plum on Bangalore's main artery, Residency Road. The spacious cheque red lobby flooring in a medley of mocha, chocolate and latte reflects the diffused lighting, adding a luminous welcoming feel. The hotel offers well-appointed rooms .. (Restaurant Reviews)
Have Lunch and dinner at best restaurant, Pico Express Lokhandwala
Pooja Sharma (October 12, 2012) If you work around Lokhandwala (1/3 of Mumbai works here!) then this review is a must read for you. Remember Café Pico? Yes, the same company has started this food on the go concept for the working class heroes who have very little time to have lunch. Café Pico serves by the concept we called meal in a box. So it is your lunch hour and you want to eat a quick bite but .. (Restaurant Reviews)
Authentic Chinese food flavours at Mainland China Bangalore
Pooja Sharma (October 11, 2012) Mainland China is the best Chinese and Asian restaurant which is located at Church street Bangalore. If you're looking for authentic Chinese flavours, melt-in-the-mouth dim sums, value for money and wholesome Chinese food, pop into Mainland China. With over 6 branches scattered across the city, Mainland China is synonymous with the fact that Chinese food goes down well with .. (Restaurant Reviews)
Celebrate Navratri with special Gujarati thali at top Delhi restaurants
Pooja Sharma (October 10, 2012) In celebration of Navratri, Delhi introduces special pure vegetarian cuisine they are all day dining restaurants. Delhi's die-hard Punjabis are in for a veritable treat in the form of delicious Gujju fare across the city! With the Navratri season round the corner, pure vegetarian thalis are ruling the roost with kadhi, shaak (vegetables), farsan, bhakri, bajri no rotlo, thepla, .. (Restaurant Reviews)
Eastern Food Flavours blending at Hotel President in Chennai
Pooja Sharma (October 03, 2012) This is the best kitchen for the South Eastern food. They prepared a theme of Middle Eastern flavours that is popular in this region. Specializing in international cuisine its creatively fuses" international, Asian, and a touch of Middle Eastern flavours. The recently refurbished Hotel President has a new jewel in its crown. Bright sunlight streams in from large French windows, .. (Restaurant Reviews)
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The development of natural gas wells in the Marcellus Shale has spurred the construction of new and expanded pipelines throughout Pennsylvania. Mastroieni & Associates has extensive experience in the appraisal of right of way easements for pipelines, utilities and trails.
Additionally, Mastroieni & Associates has provided appraisals and litigation support in a wide variety of eminent domain cases.


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Category Archives: Analysis
Securing China's Nuclear Energy Development
By Hui Zhang Senior Research Associate, Project on Managing the Atom, Belfer Center for Science and International Affairs, Harvard Kennedy School Chinese president Xi Jinping said in his address at the 2014 Nuclear Security Summit that, "we should place equal … Continue reading
Stand-off in Crimea: Cui Bono?
It seems there has been no Russia watcher left in the world who has not opined on Vladimir Putin's swift and not so covert moves in the Crimea, pondering: "who's to blame and what to do?" In times like these it is also as customary for analysts of international affairs to wonder "to whose benefit?" Yet this question remains open even though some of the Western diplomats are already calling the current standoff the biggest crisis in Europe of the 21st century. Continue reading
Can Chinese Market Reforms Help American Companies?
By Ben W. Heineman, Jr. (This article first appeared on TheAtlantic.com, where Ben Heineman is a frequent contributor) At the recent Third Plenum political gathering, the Chinese Communist Party (CCP) made headlines around the world by committing to a greater … Continue reading
The Fallout from Jang Song-taek's Execution
By John Park Associate, Project on Managing the Atom 1) Who was Jang Song-taek and why was he so important to the Kim family regime? First and foremost, Jang was the CEO of North Korea, Inc. (He was related … Continue reading
OPEC Embargo +40: What Have We Learned?
By Kathleen Araujo Postdoctoral Research Fellow, Science, Technology, and Public Policy; Project on Managing the Atom: Belfer Center for Science and International Affairs This week marks the 40th anniversary of the OPEC oil embargo. On October 16th, 1973, the Organization of … Continue reading
California's Sub-National Diplomacy: the Right Approach
By Scott Moore Research Fellow, Belfer Center for Science and International Affairs and Sustainability Science Program, Harvard Kennedy School California recently made foreign-policy history by becoming the first sub-national government to sign an agreement with China's powerful National Development and … Continue reading
The Plutonium Mountain Mission: Lessons
By Eben Harrell Associate, Belfer Center Project on Managing the Atom This summer, The Project on Managing the Atom, at Harvard Kennedy School's Belfer Center for Science and International Affairs, released "Plutonium Mountain: Inside the 17-Year Mission to Secure … Continue reading
Forget the Coup: Egypt's Economy Is the Real Problem
Any new permanent government will face the choice Morsi had but never made: market economic reforms on the one hand and a command-and-control statist economy on the other. By Ben W. Heineman, Jr. (This article first appeared on TheAtlantic.com, where … Continue reading
Dangerous Cargo: Action needed on hazardous materials
The wisdom of transporting hazardous materials by rail through our towns and cities is a topic on the mind of many Massachusetts's residents. On May 23rd, the Globe reported ("Residents north of Boston call for halt of ethanol rail plan") on the ongoing debate over a proposal by Global Partners LP, a petroleum company, to begin receiving rail shipments of ethanol at their Revere storage facility. Under the proposal, ethanol would be shipped on MBTA tracks and move through parts of Boston, Cambridge, Chelsea, Everett, and Somerville. Ethanol is highly flammable. If the train carrying ethanol derailed, many people could be injured or killed. In response to the concerns of local residents, State Senators from Everett, Somerville, and East Boston, introduced an amendment that would effectively block the proposed shipments. But even if these ethanol shipments are blocked, an even more serious danger involving rail shipments of even more dangerous industrial products will remain. Railcars carrying more dangerous materials go through Massachusetts every day. Continue reading
Bold Initiatives to Reduce Nuclear Tensions – 50 Years Ago and Today
By Matthew Bunn Today is the 50th anniversary of President Kennedy's remarkable American University commencement address, in which he called for a new approach to easing tensions with the Soviet Union. Kennedy announced a halt in U.S. atmospheric nuclear testing, … Continue reading


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"Ship Ashore," by Victor Niederhoffer
March 6, 2007 |
The cry "ship ashore," a call for action for wreckers to save the hands and cargo of a foundered boat, has traditionally galvanized coastal communities into action. Fortuitously, my recent vacation to Key West, the richest city in the US during the mid 1800s and whose economy was built in the main on the profits of the wreckers, coincided with a foundering in the market. Thus, it became appropriate, perhaps even imperative, during this visit for me to visit all the wrecking buildings and museums in the area, and see what lessons could be drawn.
To put this in perspective, a good way to start is to consider 5% declines in the market in 5-day periods, events that are current as the market declined from 1454 on 2/23 to 1372 on 3/5, a decline of 5.6%. Such events have been followed by an average move of 2.5% from the close of the event to the close 10 days later with a 75% chance of a rise, and a standard deviation of about 5%, with a t unadjusted for overlap of 3 during the period. Thus there are profits to be made, a la cane trading during such periods. This is the case despite low confidence since there were only 21 independent events during the period. And the last such decline occurred January 27, 2003.
The economics of the wrecking business were good in Key West from 1820-1900 because the Gulf area around the Keys was littered with uncharted coral reefs, currents that were among the most treacherous in the world, and lighthouses were not available. Moreover, shipping was very active as this was the major port of entry for European, South American, and Caribbean ships exporting to the US, often via the Mississippi and the Great Lakes.
It is documented that the wrecking business was so profitable during this period in Key West that along with New Orleans it was the wealthiest city per capita in US.
One of the key aspects of the wrecking business was the specialized equipment that the wreckers used to ply their trade. The most visible were the watchtowers that extended 200 feet high above the roofs of the wreckers' places of business. The watchtowers were equipped with lights and telescopes and railings to prevent being blown off. The search for the wrecks was supplemented with ships that sailed among the reefs waiting for the wrecks to occur and to provide an early warning. A signaling system between rival ships developed so that no wrecks could be missed. As might be imagined, there was considerable folklore that the wreckers themselves induced the wrecks by false lighting and even direct damages to ships in peril.
The ability to spot a wreck is crucial in the market. The attempt to spot one is determined by many technical tools, such as moving averages and breakouts. Regrettably, many of them are prone to false signals. And those who make their living by waiting and hoping for them often find the pickings very slow. Many players make their entire living by waiting for wrecks and then plundering them. Unlike the wrecking ships of the day, that were required to save the passengers on board first, the legend is that those in the wrecking business in markets today are more interested in the plunder than saving the passengers. Indeed, in the days before 1820 when American Indians served as wreckers, the custom was to take the boat-hands as slaves. Instances of this were much more common in markets in the old days. When foundering occurred the wrecked party might been asked to work as a night clerk, watchman, or sports coach for the plundering party in exchange for his liberty. However, the wreckers of Key West were kept in line by reasonable checks and balances including a good admiralty court in the area. Similar authorities seem to provide a reasonable balance today.
The specialized equipment of the wreckers consisted of ships with shallow drafts and large holds. They were able to maneuver flexibly and quickly near the wrecks, and to store the plunder once they were able to get it. The market wreckers of today use split-second communication devices to get to the wrecks quickly, and Dow Jones reports. For example, they are now coding their messages so that the content can be analyzed electronically before the message can be read, to take account of all the fast moving participants that follow critical announcements. The holds of the wreckers are large because financial resources are necessary to inventory and hold all the baggage of the wreckers. And often it takes considerable time to auction off the proceeds of the wrecks.
Other specialized equipment that the wreckers carried were heavy anchors, heavy ropes, and large fenders to secure their boats to the wreck and to stay in the area. Such equipment would correspond to the infrastructure that big firms have today to deal with the wrecks. This includes teams of lawyers, lines of credit with banks for such special opportunities, and ample capital structures to absorb the goods in an emergency.
Key to the wrecking business was getting there first. The captain that did so was entitled to orchestrate the wrecking process. This involved setting the shares for all the other boats that were required to help in the process. Divers were critical to the process, too, and in the Allertown wreck they report that the divers who could hold their breath 6 minutes were paid $500 a day versus the $1 a day for those who hauled the proceeds.
This aspect of the business brings back one of my favorite anecdotes from my employees on the floor. One, Mike Desaulniers, who is as fast as lightning, said that during a crisis when prices flew every which-way and spreads were enormous, he was often knocked down, and outrun in the pits by much older and more ruthless participants. Another of my employees, one with a very dear place in my heart, found herself blocked out from participating in crisis situations by a circle of men about 3 times her weight and 25% taller. I am also reminded of Wilt Chamberlain's report that he must have had heard 40,000 people claim to have seen him score 100 points (March 2, 1962, as a Philadelphia Warrior against the New York Knicks) when official attendance for that game was listed at 4,124. I have met hundreds who have told me that they made their entire fortune during the October 1987 or 1997 blowups at the expense of the Palindrome or of others to whom I have been or are close.
One of the key questions I had was what induces a man to risk his life to become a wrecker? The danger is great, as their trade is plied during periods when others have met disaster, the weather conditions are bad, the ships they are plundering are in danger of toppling or burning. It's a 24/7 job and there is immense competition from others sharing a life or death mentality. The answer is incentives. The wreckers received about 25 to 40% of the profits from the goods, the owners got about 25%, and insurance companies another 30%. With about 200 wrecks a year in the 1850s, it was enough to risk life and limb. Almost all the fine houses in Key West, including the Hemingway House, the Washington House, and the Audubon house, and the Taft Museum were built from the profits and, indeed, the wood and pegs of the wrecks.
Studies of the economics of individual companies that are near bankruptcy indicate a persistent tendency for them to underperform. As memorialized in an excellent paper, "A Wrecker's Theory Of Financial Distress," the key finding is that the stocks of distressed companies vastly underperform those of financially healthy firms, because the wreckers and inside controlling interests siphon off much of the profits.
Alas the wrecking business ended in the early 1900s. Indeed, Key West itself went into bankruptcy during the 1930s. The demise was caused by modern technology and light houses and railroads. A business that only receives its revenues sporadically, like buying during panics, is often not as good in the long run as one based on the steady drift of commerce.
I would suggest that whatever the profits available from the business of wrecking during market panics, they are inferior to the buy and hold.
Steve Ellison writes:
One 19th-century Key West preacher reputedly used his elevated pulpit to advantage in spotting wrecks. If he noticed a wreck during the sermon, he would call for the closing hymn and lead the congregation in a processional exit. Once outside, he would dash to the wreck ahead of all the others who were still filing out the doors.
J. T. Holley recalls:
One of the deceptions Blackbeard would employ on the Coast of North Carolina was causing ship wrecks by raiding the lighthouse and turning the bright light off, then having men on horseback comb the beaches at night or in storms with large lanterns in hand. From afar this would be the direction that the ships would sail — right into the hands of Blackbeard and his men.
Those moving averages and fixed systems are Blackbeard's men! Wreckers that plunder and pillage.
Ken Smith adds:
The movie The Shipping News tells the story of a house once occupied by a family that made their living (killing) by moving fires that were beacons for ships sailing along the coast, some set to enter a nearby harbor. Moving the beacons set the ships on a course to ground on rocks. The family went out like pirates to slay the sailors and steal the cargo.
Great movie starring Kevin Spacey and Judi Dench. The story takes place in Nova Scotia. Bitter, howling winds, icy storms. How could they live there!?
George Zachar replies:
Nova Scotia is physically spectacular, and well-situated for shipping and fishing. Halifax was a major seaport for all of North America in the heyday of sail.
Also, given how apparently widespread the practice of false beacons was, why didn't captains adopt other navigation strategies?
Stefan Jovanovich adds:
Until the widening of the St. Lawrence, Halifax was the principal seaport for Eastern Canada. It is the site of the greatest man-made disaster (other than a battle) in the history of North America — one for which the people of the city still hold an annual memorial.
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Showtime with Shakespeare: A Magic Tree House Adventure at the Colonial
February 23, 2019 @ 2:00 PM
Colonial Theatre
111 South Street
111 South Street
The show must go on, in this new hip-hop musical! That's what Jack and Annie learn when the Magic Tree House whisks them back to Elizabethan England. There they meet William Shakespeare himself—one of the greatest writers of all time! But, Mr. Shakespeare is having a hard time with some of the actors in his latest show. Are Jack and Annie ready to make a big entrance? Or, will it be curtains for Shakespeare?


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In the market for an iPhone? Here's a breakdown of all the currently shipping iPhones from Apple.
Apple Launches Retina MacBook Pros with Faster Haswell Processors, More RAM Standard
New models include:
- $1299: 2.6 GHz dual-core i5 processor, 8 GB RAM, 128 GB flash storage
- $1499: 2.6 GHz dual-core i5 processor, 8 GB RAM, 256 GB flash storage
- $1799: 2.8 GHz dual-core i5 processor, 8 GB RAM, 512 GB flash storage
- $1999: 2.2 GHz quad-core i7 processor, 16 GB RAM, 256 GB flash storage
- $2499: 2.5 GHz quad-core i7 processor, 16 GB RAM, 512 GB flash storage
Build-to-order options now include a 3.0 GHz dual-core i7 processor on the 13-inch model and a 2.8 GHz quad-core i7 processor on the 15-inch model. Users can also now add up to 1 TB of flash storage for both the 13-inch and 15-inch models.
Alongside the refreshed line of Retina MacBook Pros, Apple's 13-inch non-Retina MacBook Pro received a price cut, going from $1199 to $1099. However, the machine has not been updated with faster internals and remains the same model introduced in June 2012.
Today's minor refresh is primarily a stopgap measure until Apple can launch a more significant update to its Retina MacBook Pro line once Intel's next-generation Broadwell processors hit the market. Broadwell chips appropriate for the MacBook Pro may, however, not arrive until mid-2015. Apple is also rumored to be working on a 12-inch Retina MacBook for 2015 which is said to feature an ultrathin chassis, a fan-less cooling system and a revamped trackpad.
Apple's refreshed Retina MacBook Pros are available today through the company's various retail locations and online store, with all standard configurations showing a shipping avaliability of "within 24 hours." The new notebooks will also be a part of Apple's back-to-school program, which gives qualified educational purchasers an Apple Store gift card of $100 with the purchase of a new Mac.
Update: Apple has issued a press release announcing the update.
"People love their MacBook Pro because of the thin and light, aluminum unibody design, beautiful Retina display, all day battery life and deep integration with OS X," said Philip Schiller, Apple's senior vice president of Worldwide Marketing. "The MacBook Pro with Retina display gets even better with faster processors, more memory, more affordable configurations and a free upgrade to OS X Yosemite this fall."Apple also highlights the price drop on the non-Retina model, noting the machine is popular with Windows switchers.
Top Rated Comments(View all)
Tiny hard drives still :rolleyes:
Need Fusion Drive as standard in all mbp's.
Fusion drive? That would be a huge step backwards.
Just be grateful that Apple are updating them and stop being grumpy.
Tiny hard drives still :rolleyes:
Need Fusion Drive as standard in all mbp's.
HDDs are too thick to fit -.-
Need Fusion Drive as standard in all mbp's.
Why are the majority of people on here blaming Apple for the lack of updates? It's Intel's fault, it's really as simple as that.
Just be grateful that Apple are updating them and stop being grumpy.
So how on earth did all the other manufactures other than apple move to 800 series GPUs??
Be grateful that its cause of Intel, we are getting at least a spec bump.
[ Read All Comments ]


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Large Dogs Office
Monday - Friday
7:30 – 11:00 am & 3:00 – 5:30 pm
Daycare at Renaissance is different. Our dogs play all day in a clean, supervised setting. We pride ourselves on providing an amazing space for dogs to be dogs. Even the little dogs have their own space. Our number one priority is the safety and well-being of your dog!
127 Main Rd, Holden ME 04429
Small Dogs Office
Tuesday - Thursday
7:30 – 11:00 am & 3:00 – 5:30 pm
We offer boarding to our daycare dogs only. Your dog gets to play with his friends all day at daycare and is only separated at night to sleep. Our boarding dogs have a few options on where to sleep and we always try to find out what they prefer.
All Dogs Weekend Hours
Saturday & Sunday
8:00 – 10:00 am & 5:00 – 6:00pm
Now offering extraordinary training classes!
We offer specialty training classes and several special events throughout the year. All of our classes are designed to help you and your dog create a better relationship.
Office Hours
Renaissance Dogs is committed to providing the very best care to our canine friends. Our primary focus has been and always will be the dogs. With that in mind, we have decided to change our office hours.
Our main office will be closed from 11 to 3 on Monday through Friday. These hours will be dedicated to working with the dogs, cleaning, and staff training. Please rest assured that play time for dogs will not be impacted in any way. They will still be playing all day. What this simply means is that you will not be able to pick up or drop off dogs between the hours of 11 to 3 Monday through Friday, and 10 to 5 on Saturday and Sunday. If you have an emergency you may contact the office and we will do our best to try and accommodate you. We will be answering our telephones throughout the day. Out of office hours pick up/drop off may be prearranged on a limited basis and for an additional $5 charge.
Extraordinary dogs for ordinary people.
Maine Kennel License: F839


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Dear Reader,
If I have to hear "Sleigh Ride" one more time I'm going to smash my head into the gingerbread house. And forget "Carol of the Bells" which inspires nothing short of panic and terror. It's time for some better Christmas music, and I have the goods. Enjoy.
The Killers have a few really awesome Christmas songs, and this one is my hands down favorite.
Another one by The Killers. We listen to them a lot in my house. When when my boss isn't playing Taylor Swift, that is. She's six.
Ed Harcourt is a genius. This song is perhaps not for the very little kiddies, but my kids love it, and I will be listening to it all year long. You should go RIGHT NOW to www.edharcourt.com and buy it.
Angela Mccluskey's voice is so haunting. You'll never hear Frosty the same way again.
And here we have the BEST CHRISTMAS SONG OF ALL TIME. Bing Crosby can suck it.


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Good morning ... We may get a revised Senate health care bill on Thursday and a vote next week — and a critical Senate GOP lunch today to discuss whether they're getting anywhere. But you know what we haven't gotten yet? Anything that makes the Republican holdouts say, "Now, that's the bill I was waiting for."
What's next if the Senate health bill fails
We know — the Republican health care effort has been declared dead many times, so this is not a prediction. But it's time to at least consider what happens if Senate Republicans can't get their act together and pass a health care bill next week.
The bottom line: The health care storyline won't end. It will be like a season finale — with the next season beginning the next day.
Here are the political realities:
Conservatives will push for a repeal-only bill next. Unlike Senate Majority Leader Mitch McConnell, conservative groups were thrilled when President Trump tweeted that the Senate should try the repeal-first strategy. In their view, nearly all congressional Republicans already voted for a 2015 budget bill that repeals most of the Affordable Care Act — so they should just pass that again.
- If that doesn't happen, conservative groups will hammer GOP leaders for not living up to their repeal promises — and if moderate Republicans don't vote for it, they'll get an earful, too.
- "They'd have to explain why they're damned liars" after campaigning on repeal for seven years, says Jason Pye, vice president of legislative affairs for FreedomWorks.
The individual insurance market will still need help. It's not as if it's healthy right now. The Centers for Medicare and Medicaid Services reported yesterday that there was a 38% drop in the number of health insurers who filed to offer ACA health insurance next year.
The fate of insurer subsidies still has to be resolved. The Trump administration won't want to keep paying for the cost-sharing reduction subsidies for low-income customers without funding from Congress. So Congress would have to decide whether to fund the subsidies on its own.
The ACA will be run by an administration that hates it. By now, HHS secretary Tom Price and CMS administrator Seema Verma have spent so much time promoting the law's failures that they'd have trouble switching gears and trying to make the law work.
Any bipartisan talks will be 'small ball.' Even if moderate Democrats agree to start negotiating a "repair bill" with Republicans, the only ideas they've mentioned so far are relatively narrow, like Sen. Tim Kaine's proposal to create a permanent reinsurance program for the individual market.
Where Pence and McConnell want to go from here
Speaking of fallback plans, Vice President Mike Pence yesterday reiterated the administration's position that if the Senate's repeal-and-replace bill fails, the next step should be a standalone repeal bill. "We believe if they can't pass this carefully crafted repeal and replace bill — do those two things simultaneously — we ought to just repeal only," Pence said in an interview with Rush Limbaugh.
Reality check: Repeal alone would likely fail even more dramatically than the Senate bill.
But wait: The Senate bill could, of course, still pass. Per Axios' Caitlin Owens, the latest plan on Capitol Hill is to release a new draft of the bill on Thursday, followed by a Congressional Budget Office score early next week, and then to vote late next week. (The usual caveats apply: When the policy can still change, so can the timing.)
Known unknowns: Whether Ted Cruz and Mike Lee's "consumer choice" option will be included in the new version of the Senate bill. One senior aide says that remains unclear, and a spokesman for Lee said his office hadn't been updated on the status of the provision, either.
The uninsured numbers are rising again
Looks like the ACA isn't driving down the uninsured numbers as much as it used to. The latest Gallup-Sharecare Well-Being Index reports that the percentage of uninsured adults rose to 11.7% in the second quarter of 2017 — up from 11.3% in the first quarter, and well above the record low of 10.9% last year.
Possible reasons, per Gallup:
- Rising insurance premiums
- Insurers pulling out of the marketplaces
- Uncertainty about the future of the ACA
Between the lines: The White House emailed the Associated Press story about the survey to reporters, seeing it as another example of the ACA falling apart — but without acknowledging the CBO predictions that the repeal bills would make the uninsured problem worse. (They have said they believe those estimates are inflated.)
Essential benefits may not drive high premiums
Conservatives want to let insurers pull back from the ACA's "essential health benefits" as a way of reducing premiums. But the savings might be pretty modest, according to a new analysis from the Robert Wood Johnson Foundation and the Urban Institute.
According to the study:
- The biggest chunks of premium costs in ACA-compliant plans come from coverage for office-based care (30%), prescription drugs (22%), outpatient care (17%), and inpatient care (15%).
- Among some of the essential benefits insurers would be more likely to roll back, if given the choice: maternity and newborn care account for 6% of ACA premium dollars, while habilitative/rehabilitative care adds up to just 2%.
Yes, but: These benefits might not contribute a lot to overall premiums, but that doesn't mean they're cheap. On the contrary, they're pretty expensive — they don't add a lot to overall premiums because not everyone needs them, so their costs can easily be spread across the entire risk pool. Removing maternity care from the list of essential benefits would lead to a roughly $14,000 premium hike for plans that included it, according to the analysis.
Ankle industry rallies behind Medicare pay raise
Large medical device companies and orthopedic surgeons are encouraging Price to lock in a proposal in which Medicare would pay significantly more for ankle replacement surgeries, Bob Herman reports. The ankle industry's lobbying power is almost certain to make the pay raise official once the final rule is released within the next month.
Why it matters: The first Medicare payment rule overseen by Price, an orthopedic surgeon by training, would steer millions of extra dollars toward his physician colleagues as well as medical device firms that make the screws, implants, and other components of ankle replacement surgeries.
Read more here.
What we're watching today: Yet another Senate Republican lunch. Pence will be there.
What we're watching this week: House vote on a bill to reauthorize the FDA's industry user fees, probably Wednesday. Possible new Senate health care bill, Thursday.
Also, House Energy and Commerce health subcommittee hearing on medical product manufacturer communications, Wednesday; Employee Benefit Research Institute health policy forum, focusing on health savings accounts, Wednesday.
What we're watching next week: UnitedHealth Group and Johnson & Johnson kick off second-quarter earnings season, Tuesday, July 18.
Add things to our radar: [email protected], [email protected]


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SGRate Forum
Promotion Hub
SGRate Forum » Property » Buying Second Property in Singapore
Buying property is a big
financial and long-term commitment for most of us. There are 3 questions you
have to ask yourself before buying your second property in Singapore.
1. What do you intend to do with
your second property?
2. Have you done your calculation
and all researches?
3. Are you able to afford your
second property?
Here are some developments you
can consider as developers are either offering discount or deferred payment
Belgravia Villas, One Surin, Gramercy Park and The Fulcrum condo
Read on upcoming property
launches at Singapore Property
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property financing
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MLA recruits Marco Pierre White to spruik meat
Meat & Livestock Australia has swapped the burly brawn of Sam Kekovich for the refined graces of celebrity chef Marco Pierre White in a new campaign to promote beef and lamb.
The MasterChef Professionals judge – famous for his string of gourmet endeavours, not to mention making a trainee Gordon Ramsay cry – stars in a new campaign which highlights beef and lamb as crucial components of "proper dinners".
The campaign was created by Host and creative partner, Ilk, and produced by MasterChef rights-holder Channel Ten. It aims to encourage people to eat beef or lamb as part of a balanced diet.
Based on this premise, the campaign shows you don't have to be 'proper' at dinner in order to eat well.
The campaign consists of TV, radio, print and digital.
MLA group marketing manager – consumer, Andrew Cox, said: "With his passion for honest, uncomplicated food, Marco Pierre White was a natural choice to front this campaign, having become a big fan of Australian beef and lamb during his three-month stint filming Masterchef Professionals."
Ilk Executive CDs Jake Rusznyak and Dennis Koutoulogenis said: "We often eat nutritionally balanced meals in our underwear or trakky daks, so we're living proof that you don't have to be proper at dinner, to have a proper dinner.


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After a week of celebrating all the wonderful Unique babies I have met over the past year, I realized something was missing. Marigold's very own story. And it is unapologetically a pretty epic one. So without further ado, here it is.
The pregnancy
At our 5 month scan, a sonographer picked up on some short measurements on the baby's femurs and we were referred to a consultant. We were naturally worried, but obsessive Googling brought up many stories of similar scan stories with no further issues, so we did our best not to completely freak out. The consultant discharged us after a few weeks saying it was just a constitutionally small baby and they would continue routine scans to check growth.
What with the polyhydramnious, testing for gestational diabetes, placenta previa and prospect of planned C section to contend with, constant coughs, colds, sinusitis and SPD, I think it is safe to say I did not glow during this pregnancy! But we were having a little girl and were overjoyed.
At around 36 weeks, another sonographer picked up on some dilation in the baby's kidneys. We were immediately referred back to a consultant again that very day. We didn't really understand what was going on. Why the urgency? The consultant carried out a very detailed scan then sat us down and explained gently that she had seen a few little things, things that in isolation would present no concern, but as there seemed to be a pattern, made her feel 'uneasy.' The short femurs, the dilated kidneys, a odeomus skin tag on one of the baby's hands…..she offered us an amnio. We vehemently declined – I was due to have a baby in the next few weeks, what difference did it make? Then we went home and promptly fell apart. The next week, we saw a different consultant, who was more reassuring and felt it was just random things with no significance. But, seeing how anxious we were and in trying to help me best prepare for the C section I had to have (and was totally terrified about), she suggested we might do the amnio. At this late stage, it was very low risk anyway. People ask why we had the amnio. Well, I didn't want to of course, they are not a pleasant prospect, but we wanted to be prepared in terms of ensuring we had the right team at the birth if there were complications. Two days of surreal waiting and they called back with the amnio results. It had come back clear for major trisomies.
A week later Marigold was born via C section weighing 6 pounds 12 ounces. She was, and still is, absolutely perfect.
The first three months
Marigold was tiny, golden-haired and beautiful in every way. The skin tag they had spotted on the scan turned out to be a tiny accessory digit which had 'infarcted'. Easily removed under local anaesthetic, no problems, a lot of babies are born with accessory digits.
But more little issues kept coming up.
Marigold was a very congested baby. Sleeping with her in the room was like sleeping with a truffle pig. We tried everything. vaporizers, tilting the moses basket, saline drops, putting a cut up onion in the room (inexplicable old wive's tale), giving her luxury steam treatments in the ensuite at 3am in the morning…it broke my heart sometimes listening to her snuffle away in the basket next to us. She was very susceptible to bronchiolitis and had a few episodes, one of which ended up with her staying overnight in hospital to be topped up on oxygen. Trips to the doctors to get her chest listened to became a regular occurrence.
Again, it didn't seem like a big thing.
Marigold failed her newborn hearing test. We had to go back for extensive testing three of four times until they said she had passed, with one ear only just reaching the required level.
But lots of babies failed those early tests, didn't they?
We got a call from the hospital asking for her to come in for a further blood test on the back of the amnio. I asked "Is there something wrong?" and was told no, it was all routine and they just wanted to close the file down with a final test.
Well, that wasn't quite true.
Her feeding wasn't brilliant, but I was busy running round after a feral three year old half the time, I didn't really pay it too much attention. She fed in short bursts, often pulling off quickly.
I didn't realize she was suffering from very bad silent reflux. When her weight dropped off the charts (we know now it was probably too painful for her to feed properly) the health visitor told me 'not to worry' and that 'they all catch up.'
It seemed like just another little thing. A little thing that led to her having a major reflux apnea attack where the windpipe shuts off to stop fluid going into the lungs. One evening, after a feed, my beautiful Marigold started choking, stopped breathing for four minutes and lay blue and limp in my arms. By the time the paramedics arrived, maybe partly by herself or due to our cack-handed resuscitation efforts (take that paediatric First Aid course everyone) she was breathing again and we were taken to hospital in an ambulance to try and work out what had happened.
The diagnosis
In hospital, they hooked Marigold up to drips and feeding tubes and assessed her for a dangerous swallow. Her swallow was fine. After another mini attack where she struggled to breathe and went grey, they suspected it might be as a result of reflux and started her on medication.
During the following days, I watched her tiny little body be swaddled up as she was put through an MRI scanning machine. This came back normal. She had an ECG. A PDA in her heart had not yet healed and would require surgery if it didn't close within the year. Numerous blood tests all came back fine.
We felt so lucky that all the tests were not flagging up anything major.
But the doctors kept talking about seeing the genetics councilors. With Marigold's medical history and some of her characteristics, I realize now they had all probably figured out there was an underlying genetic condition behind it.
The genetics councilors followed up on the amnio carried out before Marigold was born. They told us that actually, something had been found, and gave us her diagnosis of 3q11 trisomy mosaicism, a unique genetic condition.
We were both expecting and not expecting it.
Amniocentesis involves two stages. The first results are a rapid test to identify major trisomies such as Down's, Edward's and Patau's. The second stage of an amnio is a full karyotype where cells are grown in a lab. What we didn't know (weren't told) is that during that second stage of detailed testing, they had seen something, but as they did not know what they were seeing exactly, decided not to say anything until they knew more. By this time Marigold had had her apnea episode, they were able to tell us what they had seen, that her rare genetic condition probably explained many of the issues so far, but that they couldn't tell us what it meant for the future.
We left hospital that week shell shocked, exhausted and traumatised, but so very, very thankful to be bringing our beautiful girl home with us.
The months after that were relentless follow-up appointments with every department you could think of. At times, I wondered if I should just arrange for a direct debit to go directly to the hospital car park and onsite M&S, I was there so often. There was little time for baby classes and activities as I hared from one appointment to the next and got batted around the NHS referral system in the manner of a comedy pinball machine. It was a difficult time with further curve balls…a lot of further sickness…Marigold getting ill again just as we were about to go on holiday…the emergency EEG for suspected West Syndrome (which came back clear). I fretted and fretted over her development and progress. For many months, it was a hard place to be in. But with adversity comes strength and determination and together, as a family, we survived and have come out the other side with a new sense of perspective.
Marigold today
Every day, I thank the universe for how lucky we are with regard to Marigold's health. Her PDA closed and there is no need for heart surgery. Her MRI, ECG, EEG were clear, which is incredible. One year on and in terms of her ongoing challenges, she has hypotonia (weak muscle tone) which leads to gross motor delays, delays with her fine motor skills and is still pretty susceptible to respiratory illnesses. Like a lot of children with genetic conditions, she has issues with her bowels (she will not thank me for telling you that) which are controlled with medication as is her reflux. She makes some serious noise but no words yet. She is undoubtedly behind your average baby, but with regular physio and occupational therapy as well as mummy's hippy alternative therapies, she is making amazing progress and getting there in her own time. In Marigold time.
I know some of you will be reading this with sympathy and maybe a fleeting sensation of being thankful it is not you in our shoes. I know, as I would have done that too in the past. But please don't feel sorry for us. Whilst I would take the sickness and the trauma of the past year away of course, I can honestly say I would not change Marigold for the world, as her challenges are what make her. Marigold today is the sweetest-natured, most affectionate, giggly, smiley, cuddly, funny amazingly beautiful baby girl who radiates beauty both inside and out. Everyone who meets her falls in love with her. She has taught us to love in a way we never thought possible and is an inspiration and a joy to all of us. It's the biggest cliché, but we feel truly blessed and that she is a gift. Yes, I am sure there are further challenges ahead, but I largely feel so excited about the future, about what Marigold can overcome and achieve. And I know she will achieve so much.
After all, she has already become an internet celebrity aged 16 months, so who knows what else the future will hold?
Unique have been a fantastic support to us during the past year. It would mean the world to us if you might consider a small donation, in honour of Marigold and Chromosome Disorder Awareness Week: http://www.rarechromo.org/html/DonateNow.asp