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Credit Growth Imperiled as Gold Lures Deposits: Corporate IndiaAnto Antony
Indian banks are struggling to attract deposits to fund credit growth amid the slowest economic growth in a decade as customers buy assets such as gold and real estate to protect themselves against inflation.
The credit-to-deposit ratio at lenders led by State Bank of India widened at the end of last month to almost 79 percent, or the highest since the central bank began reporting the data in 1998. Meanwhile, physical savings including gold imports, which slumped to 45 percent of household assets in the 1990s, may end this month at about 66 percent, Vishal Narnolia, a Mumbai-based analyst at SMC Global Securities Ltd., estimated.
The accelerating flow of funds into gold -- spurred by households seeking to curtail erosion in the value of their savings -- may hinder policy makers' efforts to bolster growth in Asia's third-largest economy. New deposits aren't keeping pace with lending, especially at private-sector banks such as ICICI Bank Ltd., according to central bank data, signaling that credit growth may halt.
"The widening gulf between loan and deposit growth could emerge as a big threat over the next 12 months," Narnolia said by telephone yesterday. "Banks won't be able to maintain loan growth at these rates without bulk borrowing, and it will be a drag on margins and profits."
Products such as inflation-indexed deposits and bonds can help stem the exodus, Rana Kapoor, managing director of Yes Bank Ltd., said in an interview.
India will sell as much as 200 billion rupees ($3.7 billion) of inflation-indexed bonds for the first time, Economic Affairs Secretary Arvind Mayaram said yesterday.
Gold Tax
Finance Minister Palaniappan Chidambaram has tripled import taxes in the past year to curb demand for gold in the world's biggest customer that fueled India's current account shortfall. Jewelery made from the metal is also used by Indian parents as gifts for brides.
Outstanding loans at State Bank, the nation's largest, climbed 16 percent to 10.1 trillion rupees ($186 billion) by the end of 2012, while deposits rose 15.6 percent to 11.6 trillion rupees, according to the company's filings.
"The rise in the credit-to-deposit ratio can be addressed only through structural changes," said State Bank Chief Financial Officer Diwakar Gupta. "Until inflation comes under control, people will find gold and real estate to be better investment avenues."
The lender pays 4 percent for deposits in savings accounts and 8.75 percent annually on three-year deposits.
Home Prices
ICICI Bank's shares have dropped 9 percent this year, making it the worst performer in the Bloomberg Asia Pacific Banks Index. The Indian bank's shares fell 1.8 percent to 1,032.6 rupees in Mumbai as local stocks plunged after the government's biggest coalition ally withdrew support. State Bank dropped 2.1 percent to 2,203.55 rupees.
Inflation in India has averaged almost 9 percent in the three years through 2012, prompting the central bank to raise interest rates 13 times as government spending fueled price gains. Consumer prices are rising almost 11 percent, or at a record pace, and inflation continues to be "a worry," Finance Minister Chidambaram said in a March 15 interview.
Investments in gold, on the other hand, generated returns of as much as 85 percent in India in the three years to Dec. 31, data compiled by Bloomberg show. The central bank's house price index has increased 77 percent in the three years to March 31, according to Reserve Bank of India data.
"The real returns from bank deposits have been negative for a few years, forcing Indians to look for other inflation-hedged investments," said Ananda Bhoumik, a senior director at the Indian unit of Fitch Ratings Ltd.
Gold Hoard
Indians have stashed 18,000 tons of gold in jewelry, coins and other forms, according to the website of Manappuram Finance Ltd., which extends loans secured by gold.
Such a hoard would be worth about $923 billion at current international prices, compared with India's $1.35 trillion banking system. ICICI Bank estimates the nation's households hold $1.1 trillion of gold.
Reserve Bank of India rules stipulating that lenders have to invest 23 percent of total deposits in government bonds already curtail the amount of funds available for credit growth. Rising purchases of gold by people seeking to hedge against the highest inflation rate among emerging economies, or to evade taxes, is adding to the stress on banks.
ICICI, the nation's largest private-sector lender, offers 4 percent on plain-vanilla savings accounts and 8.75 percent a year on fixed deposits for three years. Credit expanded 16 percent to 2.87 trillion rupees by the end of 2012 at the Mumbai-based lender, while deposits grew 9.9 percent to 2.86 trillion rupees, according to its filings.
'Biggest Threat'
The RBI cut some of its statutory requirements, injecting liquidity into the system, according to an e-mailed response from ICICI Bank. The lender said it also raised funds by selling long-term bonds in the domestic market in the quarter ended Dec. 31, reducing the need for additional deposits.
"An asset-liability mismatch stemming from mobilization of low-duration deposits on one hand, and a growing duration of assets on the other, could emerge as the biggest threat for Indian banks," A.S.V. Krishnan, a Mumbai-based banking analyst at Ambit Capital Ltd., said by phone.
The Reserve Bank of India has predicted that the economy will expand 5.5 percent in the year ending March 31, which would be the smallest gain since 2003.
"Loan growth will have to decelerate further if the credit-to-deposit ratio rises from these levels," Yes Bank's Kapoor said in a telephone interview on March 15.
Inflation Conundrum
Yes Bank, formerly backed by Rabobank Groep NV, pays depositors 7 percent on savings accounts, the highest in India, Kapoor said. State Bank of India raised one- and two-year payments by 25 basis points to 8.75 percent on March 1 even as the central bank cut its policy rate today for the second time this year.
Still, India remains a "net saver" with savings at more than 30 percent of gross domestic product, said Saswata Guha, a Mumbai-based director at Fitch Ratings Ltd.
The value of gold jewelry purchased by Indians rose 37 percent to $8.5 billion in the quarter ended Dec. 31 from a year earlier, the latest data from the World Gold Council shows. The global spot price rose for a 12th year, by 7.1 percent to an average $1,668.75 an ounce, data compiled by Bloomberg show.
"The amount of gold imports into the country and growth in gold loans suggest that a significant portion of financial savings is going into gold," Fitch's Guha said on March 15. Investors don't need to panic because "once this conundrum of inflation is resolved, deposits will flow back to banks."
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August 7, 2011
By David DeBolt, Fairfield Daily Republic
FAIRFIELD — The framework of an ambitious proposal to turn the Solano County Fairgrounds into a "super-regional" destination is before county supervisors Tuesday.
Years in the making, the project at county-owned fairgrounds was originally envisioned as supported by a mix of retail, office and hotel.
But a recent market study by county-hired consultants found that wasn't feasible in the near term. So consultants recommended expansion of Six Flags Discovery Kingdom or a second theme park to anchor the 149-acre site.
The Solano 360 Committee has developed an initial project description based in part on the market study. The description serves as a starting point from which officials can create a more specific plan.
The committee is asking the Board of Supervisors to approve the project description at its meeting at 9 a.m. Tuesday at the County Government Center, 675 Texas St. in Fairfield.
The fairgrounds are located in Vallejo south of the Interstate 80 and Highway 37 interchange and adjacent to Six Flags Discovery Kingdom.
Of the 149-acres, 51 acres are proposed for an entertainment park and major entertainment venue, 28 acres for open space, 20 acres for parking and 10 acres for roads and infrastructure. The remaining 40 acres are for the fairgrounds.
A water feature would serve as a gathering point and a thematic "Main Street" would connect to the new theme park and Six Flags Discovery Kingdom. Exactly what theme park or entertainment venue will go on the site would be determined later in the process.
Restaurants and shops would be built to complement the entertainment and amusement attractions, under he proposal.
Also Tuesday, supervisors will give final approval to a new redistricting plan. The new lines will be set for the next 10 years and are the result of months of planning and meetings.
Some residents criticized the process, questioning if the lines were redrawn to benefits the supervisors politically. Supervisors are elected by voters within their district.
Reach David DeBolt at 427-6935 or firstname.lastname@example.com.

subset: commoncrawl


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We really love the new TAG Reading System from Leapfrog. After years of complaining that none of the electronic educational companies leveraged the great wealth of children's literature for their platforms, Leapfrog really delivered. The library of books includes many wonderful picturebooks by award winning authors and illustrators. So the other night when I saw their commercial (which is pretty cute)…I understood, but was saddened that the marketing choice was basically "hey, your kid can read Sponge Bob with the TAG." True…but we hope you'll also bring home a wider range of titles that include Chicka, Chicka Boom, Boom, I Spy, Click, Clack, Moo: Cows that Type and The Little Engine that Could.
Tag Archives: reading
Trends from Toyland: Leapfrog's TAG
For as many years as I've been covering toy fair with my mother, we have had certain gripes that continue from year to year. One of them has finally been put to rest–thankfully. Each year we are shown cutting edge technology that is going to teach our kids how to read. You know the assortment of electronic books and other platforms that have plugged into tvs. Our gripe: the books were usually poor in quality. The selections usually include books written in-house by less than inspired authors or a wide selection of licensed characters. "Where are the good books?" "Real storybooks?" we would whine (we own up to it) …. I'm sure at this point many a toy maker would even know what was going to come out our mouths since it was pretty much the same exchange every year. Until now!
TAG is Leapfrog's new interactive pen that reads, wait for it….wonderful new and classic storybooks. The Little Engine That Could, Chicka Chicka Boom Boom, Olivia…are all part of the library that you can buy for TAG. Here's how it works, you buy the book ($13.99 per title) that has been formatted to work with the special TAG pen. (The pen is $49.99 and comes with one book). You then download the audio off the Internet from the Leapfrog site. The pen can hold the audio for five different books at a time. The pen can read the story "by the page" or by the word–depending on your child's preference. There are also some interactive games that are designed to build reading comprehension skills. Plug the pen back into the computer and you can track how your child did on these exercises. The whole on-line track-how-your-kid-is-doing is part of the new Leapfrog site and works with many of their new and existing platforms. Somehow all of this tracking makes me really tense, but I suppose there will be parents who will be into the accountability factor.
Of course none of this replaces reading with your child–but this is certainly really cool. We can't wait to test this one. The product will be available in June.
And again, hats off to Leapfrog for spending the money on quality books.


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My Favorite
I Love dunkin donuts coffe. Hot or on ice MMMMMMMMM
I got a jug of some maxwell house he other day that was called South Pacific bend. Tasted a lot like the Kona blends, pretty good stuff.
SuperDave0002 41-45, M 1 Response 0 Mar 17, 2010
Oh yeah, Dunkin donuts? Best coffee I've had from a chain however Boca Java is close behind, no bitterness.


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An eye-opening new photo of a group of 10 military moms breastfeeding their infant babies has gone viral after it was recently posted to Facebook.
The snapshot — taken by former Air Force servicewoman-turned-photographer Tara Ruby — was inspired by Fort Bliss' first-ever nursing room as well as her own personal experience as a mom. The El Paso, Tex. shutterbug served in the Air Force from 1997 to 2001, and decided to immortalize a beautiful moment of bonding between moms and their newborns.
Ruby asked a group of 10 active duty military moms to pose in the center of Fort Bliss' Main Parade Field in El Paso, Tex., in uniform while breastfeeding their babies. Ruby found the women through the Fort Bliss P3T Program, and her goal was to normalize how breastfeeding is perceived in society.
"Today I believe we made history," Ruby wrote on social media this past weekend. "To my knowledge a group photo to show support of active duty military mommies nursing their little's has never been done. It is so nice to see support for this here at Fort Bliss. Through the guidance of my military friends, the Fort Bliss P3T Program and Breastfeeding in Combat Boots, our Garrison command and our Public Affairs, we were able to show that even our mommies in uniform can provide for their babies."
Ruby cited her own personal struggle as a military mom to an infant child for why she wanted to present this image to the world.
"I was active duty a long time ago when support for breastfeeding moms wasn't even an option or a consideration. We have come so far," she continued. "Breastfeeding their babies doesn't make them less of a soldier, I believe it makes them a better one. Juggling the tasks and expectations of a soldier, plus providing for their own in the best way they possibly can, makes these ladies even stronger for it. I want to say Thank You to everyone that saw my vision, and helped us in succeeding in making it come true. I am 100% for #normalizebreastfeeding. How about you?"
The image, which was originally posted to Facebook last week, was removed within 24 hours, she wrote in her follow-up note. "I posted this on here last night at 11:59pm," Ruby shared. "It has since disappeared from my feed and my wall. So we are posting this here again."
The snapshot, which has since gone viral, has over 8,000 shares on the social media site.
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The Rise Of Seaweed: The Second Coming of Annie Chun
Northern California-based food entrepreneur, Annie Chun, is knee-deep in the launch of a new venture that, if successful, will be proof positive that the country's palate for snacks may be changing.
Chun and business partner Steve Broad (also her husband) built a brand that was generating about $15 million in annual sales before she sold it off to South Korea-based CJ Foods in 2009, North Bay Business Journal reported. Chun's company offered an assortment of Asian food products, including do-it-yourself chow mein , noodle soups, sauces, potstickers and seaweed snacks.
Her new venture, called gimMe Health Foods (pronounced Jee-me), is focused squarely on the seaweed market. Chun had to a coax a Korean seaweed supplier to prepare its seaweed supply by a process approved as organic by USDA .
The organic designation will be a differentiator for Chun's gimMe, and she's going to need as many of those as she can get because it's definitely not lonely in the U.S. seaweed snack market. Jayone Foods is moving seaweed snacks under its Seas Gift brand, SeaSnax is shipping a line of colorful products, Trader Joe's has a spicy and non-spicy offering in the category, Chun will also see serious competition from the company whose products bear her name and likeness. According to a report, her former company has doubled sales in the past three years.
So what is Chun and Co. doing differently? Well, gimMe Health Foods is zeroing in on the organic and gluten-free angle, possibly hoping to ride the wellness and health food wave into people's cupboards.
Though Chun's products generally follow the same market tendencies of her competitors – small squares of seaweed in a package, a few flavors – some offerings are unique. Her old company has made popular such tastes as pepper and herb, brown sugar and sesame. But Chun's new product offers flavors like honey Dijon and – are you ready for this? – cheddar cheese. Meanwhile, these flavors come in a crumbled form so they can be used as a topping.
Who's up for something with dried seaweed and cheese poured on it? I know I am (I'll try anything once).
I hesitate to bet against Chun and Broad in their latest endeavor. They've built one multi-million dollar food business, who's to say they can't do it again? gimMe's product line is nowhere near as varied as the couple's prior company so there's less to concentrate on. But lack of product diversity could hurt if U.S. consumers' taste for dried seaweed doesn't allow for more than a small handful of players in the space, or a large handful with limited sales, gimMe could have a hard time finding traction to grow.
Another potential double-edged sword is that gimMe seems to be a more involved family business. Chun and Broad's daughter, Mia, thought up the product concept and is now handling communications for the fledgling company; their son David works with the company part time in some form of consulting capacity. Dog lovers reading this piece might be interest to know that the family dog, Sugar, is in charge of security at gimMe's HQ, though it's unclear how much influence the canine has over company direction or whether it has any equity at all.
-Karsten Strauss, Forbes Staff
Full article here
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This material must not be used for commercial purposes, or in any hospital or medical facility. Failure to comply may result in legal action.
Hydrocephalus is a condition that is caused by too much cerebrospinal fluid (CSF) inside the ventricles of your brain. Ventricles are spaces inside the brain where cerebrospinal fluid (CSF) is produced. CSF surrounds your brain and spinal cord. CSF is constantly being made and absorbed by your body. It moves through ventricles before it drains out and gets absorbed into your bloodstream. When CSF cannot drain properly, the fluid pressure may cause the ventricles to swell.
Follow up with your neurologist as directed:
Write down your questions so you remember to ask them during your visits.
Manage hydrocephalus:
- Keep your follow-up visits: Ask your primary healthcare provider when to return for follow-up visits. You may need CT scans before shunt adjustments every 2 to 3 weeks at first. Write down your questions so you remember to ask them during your visits.
- Keep a headache diary: If your headaches get worse during treatment, your caregivers may suggest you keep a headache diary. Rate your headache, such as from mild to severe. Write down what you were doing when the headache started. Also note when you have been sitting or standing for a long time. Caregivers may use the headache diary to change your treatment if needed.
- Report weight changes: Tell your caregivers if you gain or lose weight. Your shunt valve may need adjustment.
For support and more information:
- National Institute of Neurological Disorders and Stroke
P.O. Box 5801
Bethesda , MD 20824
Phone: 1- 301 - 496-5751
Phone: 1- 800 - 352-9424
Web Address: http://www.ninds.nih.gov
Contact your neurologist if:
- You have a fever.
- Your neck and shoulders feel sore.
- The skin around your shunt looks red and feels tender.
Return to the emergency department if:
- You feel sleepy, or have problems waking.
- You have nausea or are vomiting, even after treatment.
- You feel dizzy or your vision changes.
- You had a seizure or lost consciousness.
- You have a fever and a stiff neck, or you feel confused.
- You have headaches that do not get better, even after you take medicine.
© 2018 Truven Health Analytics Inc. Information is for End User's use only and may not be sold, redistributed or otherwise used for commercial purposes. All illustrations and images included in CareNotes® are the copyrighted property of A.D.A.M., Inc. or Truven Health Analytics.
The above information is an educational aid only. It is not intended as medical advice for individual conditions or treatments. Talk to your doctor, nurse or pharmacist before following any medical regimen to see if it is safe and effective for you.


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We are a digital agency driven by a passion for elegant and effective digital solutions. Our dedicated team of strategists, designers and developers are well experienced in producing best-in-class digital platforms.
Our experience spans strategy, creative direction and ecommerce development for some of the most prestigious global brands including Sunseeker, Larsson & Jennings and Porta Romana. We work closely with each client to develop compelling digital solutions that drive meaningful engagement and commercial success.
We'd love to talk to you about our unique approach
and how we might be able to help your brand.
21C Heathmans Road, London, SW6 4TJ


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The (really really) big news in the math world today is that Shin Mochizuki has (plausibly) claimed to have solved the ABC problem, which in turn suffices to settle many of the most vexing outstanding problems in arithmetic. Mochizuki's work rests on so many radically new ideas that it will take the experts a long time to digest. I, who am not an expert, will surely die with only a vague sense of the argument. But based on my extremely limited (and possibly mistaken) understanding, it appears that Mochizuki's breakthrough depends at least partly on his willingness to abandon the usual axioms for the foundations of mathematics and replace them with new axioms. (See, for example, the first page of these notes from one of Mochizuki's lectures. You can find other related notes here.)
That's interesting for a lot of reasons, but the one that's most topical for The Big Questions is this: No mathematician would consider rejecting Mochizuki's proof just because it relies on new axiomatic foundations. That's because mathematicians (or at least the sort of mathematicians who study arithmetic) don't particularly care about axioms; they care about truth.
There's a widespread misconception that arithmetic is about "what can be derived from the axioms", which is a lot like saying that astronomy is about "what can be discovered through telescopes". Axiomatic systems, like telescopes, are investigative tools, which we are free to jettison when better tools come along. The blather of thoughtless imbeciles notwithstanding, what really matters is the fundamental object of study, whether it's the system of natural numbers or the planet Jupiter.
Mathematicians care about what's true, not about what's provable; if a truth isn't provable, we're fine with changing the rules of the game to make it provable.
That in turn implies that there is such a thing as mathematical truth, independent of what we can prove. There are respectable thinkers who deny this, but they are extremely rare among practicing mathematicians, who encounter mathematical truths every day.
Mochizuki might or might not have settled the ABC problem, and if so he might or might not have been forced to replace old axioms with new ones; it's possible he's not sure of this himself (in the sense that he might have adopted new axioms for convenience without being sure whether they're really necessary). But the key point is that this is not a major issue. Mathematicians are opportunists. The goal is to understand the natural numbers, and we'll pursue that goal by any means necessary.


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Rolling Meadows, Ill.-based OFS Capital on Nov. 9 raised $100 million in an initial public offering managed by Morgan Stanley, UBS, Barclays and RBC Capital Markets. OFS Capital issued 6.67 million in common stock at $15 per share. The stock trades on the Nasdaq under the ticker OFS. The stock closed today at $12.70.
OFS, which stands for Orchard First Source, will operate as a business-development corporation focused on middle-market-debt investments, and to a lesser extent, equity investments. The BDC will be managed by Orchard First Source Capital Management, with Glenn Pittson as CEO.
In 2001, Pittson co-founded the parent company, Orchard First Source Asset Management, which will have a 30% stake in the BDC. He has over 25 years experience in corporate finance and spent much of his career at CIBC World Markets, serving as head of credit markets there in 1997 and 1998.
In regulatory filings, OFS defines middle market as companies that have one or more of these characteristics: number of employees between 150-2,000; revenue between $50-300 million; EBITDA between $5-50 million; generally, private companies owned by private equity firms or owners/operators; and enterprise value between $25-500 million.
OFS Capital, including its subsidiaries OFS Capital WM and Tamarix, has an initial portfolio of 49 companies, with 56 investments. Funded loans total about $210.6 million, with a weighted average yield of 8.41% and 3.5 years to maturity. The portfolio also includes $2.6 million in equity investments.
OFS intends to pay a dividend with a minimum annualized yield of 9%.
As of June 30, OFS had $155 million of debt outstanding from a loan at OFS Capital WM provided by Wells Fargo and Madison Capital. IPO proceeds are earmarked to repay a portion of debt.
OFS will originate and source most investments through portfolio companies or their financial sponsors or other owners or intermediaries. Investments will typically range between $5-25 million for a term of three to eight years, bearing fixed and floating-rate interest. As of June 30, floating rate loans comprised over 93.1% of the portfolio.
Unitranche, second lien and mezzanine loans initially will be made through Tamarix. Equity securities such as warrants, preferred stock, common stock and other equity interests, will principally be made in conjunction with debt investments. OFS anticipates that no more than 5% of the portfolio will consist of equity investments in middle-market companies that do not pay a regular dividend.
Based on current market conditions, OFS expects first-lien loans will have interest rates ranging from 4.75-8% over LIBOR. Unitranche loans made to companies backed by private equity will range between 6-10% over LIBOR. Unitranche loans to non-sponsored companies will range between 10-14%, plus warrants or other equity interests, often above 10%, according to OFS. – Kelly Thompson


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Monday MADness!- Stupid Holiday Movies!
This week's Monday MADness features a few panels from "MAD's Inside Scoop On This Year's Stupidest Holiday Movies" written by Desmond Devlin and Scott Maiko in MAD #459, Nov. 2005 (clicky any image to embiggen):
King Kong
Tom Cruise's lunatic couch-bouncing Oprah appearance was used by computer animators as a basis for one of Kong's rampages.
Harry Potter and the Goblet of Fire
To save time in make-up, Daniel Radcliff agreed to let the famous lightning blot scar be permanently seared into his forehead with a red hot linoleum knife, having made peace with the notion that he will never be known for anything other than his role as the boy wizard anyway.
The Ringer
When a call was issued for extras, the casting directors were surprised and thrilled to have over 20,000 mentally challenged people show up…until they realized they were there for the NASCAR event at the stadium next door.
The Chronicles of Narnia
A severely confused Vin Diesel showed up on the set every day for the first two weeks of filming until producers managed to convince him that the Chronicles of Narnia was not a sequel to the Chronicles of Riddick.
Aeon Flux
Fans of the original series may complain that Aeon Flux now wears a more modest outfit than her animated counterpart's black leather straps and boots, but producers insist the change wasn't made to avoid an NC-17 rating…they claim the new costume is based solely on a sense of decency towards everyone who'll have to see all the fat Goth chicks wearing it come next Halloween.
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If redoing your floor is at the top of your home remodel list in 2008, make sure you check out Forbo.
The company specializes in environmentally-friendly, fashionably designed linoleum. Its Marmoleum brand, made from linseed oil, wood flour, rosin, jute and limestone, has earned rave reviews not only because it comes in enough colors to satisfy Picasso. Marmoleum is made with natural raw materials and solvent-free adhesives that emit no harmful VOCs (volatile organic compounds), so it won't give you a headache or otherwise pollute the air after it's been laid down. In fact, Marmoleum has no adverse health effects whatsoever, either during production, its useful life, or disposal. Even if your biggest concern is dust, Marmoleum is a winner, since the product's anti-static properties mean that dust and dirt don't easily stick to it.
What makes Marmoelum so "eco" is Forbo's attention to the product's "life cycle": the raw materials it is made with, how they're manufactured, and ultimately, how they're reused or disposed at the end of their useful life. The company meets the Big Green Purse "who else says so?" principle for production (and marketing) by undergoing 3rd party verification of all its "good and green" claims. In this case, Marmoleum has achieved the SMART © Sustainable Product Platinum rating, meaning it creates almost no environmental impact: Raw materials and energy are used efficiently, waste is recycled wherever possible, and emissions are kept to an absolute minimum (in other words, the floor you buy can help reduce climate change).
What about price?
As Mary Hunt points out over at www.InWomenWeTrust.com, "It's less expensive than granite, but like granite can be used in counter tops as well as flooring. (While granite may be "natural" it isn't necessarily sustainable. You've seen what open mines look like, right?)"
With so much talk going on these days about what's "green" and what's being "greenwashed," Forbo and its Marmoleum floors are the real deal, and they're backed up by standards to prove it.


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LR5 for Bird Photographers (Free Download)
If you are like me, you are constantly on the lookout for specific information regarding your photography passion. Whether you enjoy landscape, night sky, bird, or macro photography, it is always helpful to find a resource that goes beyond the basics of ISO, shutter speed, and aperture. In preparation for a Lightroom 5 (LR5) for Bird Photographers workshop, I wrote a 68-page booklet on my workflow and tips/tricks I use when editing my bird photographs. I have decided to post this for download so that anyone can benefit from what I have learned. I began using LR with version 3 and have enjoyed all the many additions since. When you combine LR's organization functions within the Library Module, the geospatial tracking within the Map Module, the editing capability within the Develop Module, and the many publishing functions like the Book, Slideshow, Print, and Web Modules, you have just about every post-processing option a bird photographer will ever need. Sure, on a few occasions, you might need to jump over to Adobe Photoshop for some specialty processing.
I have read many books on LR, watched many videos and asked many questions all to try and find the best workflow for me. What I hope to do through this booklet is share with you some of those tidbits I have learned. Of course, it is nothing like the full 8-hour workshop on LR5 for Bird Photographers that I occasionally offer, but feel free to download and share with any bird photographers you may know. If you have any questions about using LR5 for editing bird photographs, don't hesitate to post a comment, contact me through email or send me a question through the contact page.


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Nutella Pancakes
Nutella Pancakes.
It's been a while since our last Nutella posting {gasp I know}. I thought I'd rectify that with a short stack of Nutella deliciousness. While I was in Roma last week I had a Cornetto with a pocket Nutella just about every morning for breakfast along with my cappuccino. It was perfetto but it made me realize that I didn't have very many Nutella breakfast options for you. So now I give you….Nutella pancakes and they couldn't be easier to make.
Nutella Pancakes
Pancakes are such a perfect canvas for additional flavors. You can add in just about anything your heart desires. Today mine desired Nutella. You can customize the Nutella level as you see fit. I found 2-3 tablespoons mixed into the batter gave a nice subtle Nutella flavor. If you'd like a stronger Nutella flavor just add a little more.
I served mine with maple syrup and fresh strawberries. Powdered sugar might also be an option or you could just slather a little Nutella between two pancakes add a few strawberry slices and have a Nutella Pancake Sandwich.
These make a wonderful special breakfast treat on the weekends. I like to keep a stash of HOMEMADE BAKING MIX at the ready so I can have a short stack when the cravings hit. Because pancakes are a good thing.
Nutella Pancakes
- Your favorite Pancake Batter Recipe + required ingredients
- 2-3 tablespoons Nutella
- fresh strawberries - sliced
- pure maple syrup - optional
- powdered sugar - optional
- Mix your pancake batter according to directions. Add Nutella. Whisk to combine.
- Spray griddle pan with cooking spray. Place pan over medium - high heat. When pan is hot add 1/4 cup of batter to pan. When bubbles appear around edges flip. Continue cooking on other side. Continue until you have desired amount of pancakes.
- Serve with strawberries and any additional garnish you prefer.
23 Comments
this looks so flipping amazing!!! get it, flipping 🙂
I bet I could even use a store mix!2
Yes please. Like NOW. Nutella needs to be on my breakfast plate every day!3
Yes! Breakfast for tomorrow is officially decided 🙂4
Oh man, now you've got me thinkin' about whole grain nutella waffles TOO. (Feel free to like, go ahead and develop that recipe for me!) 😉5
Oh my worrrrrd! I want that stack!6
Mmm Nutella is so tasty. Love this!7
I agree – I love how versatile pancakes can be! This looks delicious.8
delicious! i might make these this weekend 🙂
Happy Friday Paula!9
This looks like the perfect long weekend breakfast to me. I like the addition of fresh strawberries! Mmm 🙂10
Nutella makes everything better! from adding it to brownies (i do that!) to pancakes (need to try that!)
Beautiful pancakes. Awesome food photo.12
My kind of breakfast!! These look wonderful and your photos are beautiful:)13
This is one heavenly pancake recipe, Paula. I can practically taste that flavor of Nutella now.14
Thank you for this recipe! My daughter has Strep throat and this was something she could and would eat. Thank you they were simple and delicious!!!!15
Yummy! I bet they taste really good!16
That looks beautiful, Paula. Your Nutella obsession does make me smile =)
Jax x17
I'm not a nutella fan – and never will be, but i love the idea for those who are!!18
OMG! OMG! OMG! Making asap!
New to your blog; happy I found you!
Mary xo
Delightful Bitefuls19
Very Nice Recipe.
I was going to make these traditional pancakes but I think I shall give your recipe a try instead.
I made these and I'm still kind of stoned because they were soooo soooo sooooo good. Eerily good.22
Scrumptious. I love Nutella. Yum!23
Wow this sure sounds like a nice romantic breakfast and surely a late night snack:).
Thanks for sharing!
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Examples of her colorful work:
And one of her celebrity portraits (my favorite!) of the singer Shakira:
Lori was caught up a year ago in the insanity of the ongoing layoffs at the Los Angeles Times. But she, too, is creating a beautiful new life. Her paintings are for sale and you can see her full portfolio {here}!
This entry was posted on Wednesday, December 23rd, 2009 at 4:30 am. It is filed under Decor. You can follow any responses to this entry through the RSS 2.0 feed.


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Are you looking for an alternative way to heat your home? If so, infrared heating is an option that you may want to consider. These days, infrared space heaters are seeing increased usage in homes across the country as people realize their efficiency compared to traditional methods of heating.
You might be wondering how exactly an infrared heater works. Heat, as you may have learned in one of your science classes, is transferred in one of three ways, either through conduction, convection, or radiation.
- Conduction – Conduction refers to heat transfer that takes place when two surfaces come in direct contact with each other, such as when the skin on your hand touches a hot stove. Conduction is known as a direct form of heat transfer: heat moves between two objects without going through an intermediary.
- Convection – Heat transfer can also take place indirectly in a process known as convection, where objects either gain or lose heat through the circulation of air. Traditional heaters work in this manner.
- Radiation – Radiation, the last method of heat transfer, occurs when heat energy moves between objects in the form of electromagnetic waves. Like conduction, it is a direct form of heat transfer. You can see a prime example of radiation at work every time you cook something in a microwave oven.
Like microwaves, infrared waves are another kind of electromagnetic radiation, nestled in between microwaves and visible light on the electromagnetic spectrum. And as you might be able to guess, they form the underlying mechanism through which an infrared space heater is able to warm up your room on a freezing winter night. Despite their intense, sophisticated sounding name, infrared waves are actually a relatively low-energy form of electromagnetic radiation, weaker than visible light. For the purpose of heating a home, this is a good thing as we are only trying to raise the temperature by a few dozen degrees at most, not a few hundred or a few thousand.
Because of the way they work, infrared heaters have several advantages over traditional heaters.
- First, since infrared heaters rely on radiation as the method of heat transfer, they do not raise the temperature of your home simply by warming the air in the room. Instead, they emit infrared radiation that warms objects directly, which eliminates the need to turn the heater on in advance and prevents the air from drying.
- Also, infrared waves will radiate all throughout the room, allowing heat to be distributed more widely than it would be by a traditional heater.
- Furthermore, infrared heaters work silently, without the need for any kind of fire. Compared to something like a wood burning heater, not only does an infrared heater allow for a quieter, more peaceful home environment, it also creates less pollution and requires lower energy consumption.
As you can see, infrared heaters are a great option for heating your home. While a little more expensive than traditional heaters, they are actually more cost-effective in the long run due to their superior efficiency.


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Gold Inside My CPU Processor!
Last few weeks, my computer CPU running with Intel Core 2 Quad Processor was experiencing overheating. That's why it didn't turn on or start. So, I fixed the processor by cleaning it, changing its thermal paste, and changing its processor fan. After this, my CPU is running good again. But after another week. The symptoms occurred again such as CPU didn't start and it created a buzzer sound like an alarm (tooot, tooot, tooot).
Intel Core 2 Quad Processor (2.33 gHz)
At the back of the processor are small circular terminals and small IC's at the center. These terminals are plated with real gold.
I used a cutter knife to sliced the metal casing sticked to the processor.
Then after I finally sliced the metal case of the processor, taaadaaaaa. I opened the processor and saw the metal casing rich of gold. Those small thin colorful glass plates you see are the cores of the processsor.
Extracting the gold from this type of processor is very dangerous. You will be using hazardous chemicals to separate the gold from the other elements.
Do you have damage many computer processors at your home or office? We'll you can get a lot of gold from them if you know how to extract that gold.
Note: If you have CPU that doesn't start or run and you want to fix the processor by slicing it, please don't do it unless if you know what you're doing.
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You ain't seen nothing yet
Randy Bachman and Fred Turner, touring as Bachman & Turner, will headline Western Fair grandstand Sept. 9. The pair released a new album late last year produced by Bachman on vintage instruments. (WENN.com file photo)
Two of the biggest names in Canadian rock lore and visitors from near and far have been added to the London concert calender.
A recent flurry of announcements confirmed Randy Bachman and Fred Turner, touring as Bachman & Turner will be ripping through the BTO songbook as a 2011 Western Fair grandstand headliner. Also on the fair's concert bill for the fall are Canadian country star Paul Brandt, American pop singer Colbie Caillat and Canadian rockers Sam Roberts Band and Down With Webster.
Sunfest's World Music & Jazz 2011-2012 series brings Irish stars Caladh Nua to Aeolian Hall on Aug. 2, France's Sergent Garcia on Aug. 17 and Brazil's Luisa Maita on Sept. 25 as its first three acts.
DJs and electronica stars, metalheads and Newfoundland and Labrador's Hey Rosetta!
Aeolian Hall's concerts bring top guitarists Liona Boyd and Pavlo back-to-back in November.
Bachman & Turner is the duo's ID because of legal squabbles over the BTO name.
Bachman had never stopped touring Canada, as a solo artist or on a series of successful tours in the early 21st century with his other famous partner, Burton Cummings of the Guess Who.
Turner had retired from the remnants of Bachman-Turner Overdrive in 2004 and been indulging his passion for cars since at least the 1990s. A highway themed classic helps open Bachman & Turner's setlist.
"Right now we're starting with Roll on Down the Highway, and the voice is still there. But now is going to be the test, because, especially in September, there's multiple nights, back to back, and some outdoor shows. And I haven't been tested like that, so it's going to be very interesting to see whether I can hold it together, because I am going to be 68 this year (Oct. 16)," Turner told QMI Agency recently.
Turner said the whole reunion project began about 18 months ago, with Bachman asking Turner if he wanted to sing on a song for a Bachman solo album.
"We had been talking to each other by e-mail already, and we were bantering back and forth and then he was in Winnipeg and he said, 'Do you want to come for a brunch? I've got a project here, and I would like you to sing one of the songs, if you're interested.' So we met, and I said 'sure, I'd love to go back into the studio while I still have some pipes left,' "he said.
Randy sent the music to Turner, who laid down his vocal track and returned it to Bachman.
"He then said, 'you know I think there's an album here. Have you got any new songs?' I said 'yeah' and he said he did. And that's where it came from."
The self-titled album -- on E1 Music in Canada and RBE Music/Fontana in the U.S. -- was released late last year. Turner said Bachman, who acted as producer for the record, used old gear and vintage instruments, trying to reproduce the classic BTO sound of songs like Takin' Care of Business, Blue Collar, Not Fragile, Hey You and You Ain't Seen Nothing Yet.
Songs from the new album, such as the lead-off single Rollin' Along, the anthemic Slave to the Rhythm, and Moonlight Rider, have fit seamlessly into the band's set list, and Turner said he would like to see even more of the new material played live.
In March, Bachman & Turner were inducted as a partnership into the Canadian Music Industry Hall of Fame as part of Canadian Music Week celebrations in Toronto.
--with files from Jim Barber/QMI Agency
What: A selected guide to recent concert announcements in London. Check with venues for details on ticket prices, sale dates, show times, etc.
Western Fair 2011 grandstand music acts: Bachman & Turner, Sept. 9 - $49; Paul Brandt, Sept. 10 - $29; Sam Roberts Band, Sept. 12 - $29; Down With Webster, Sept. 13, $29; Colbie Caillat, Sept. 14, $35 - (Prices do not include applicable charges at ticketmaster.ca. No service charge at fair box office. Concert time is 7:30 for these shows. Admission to fair comes with grandstand ticket. Other announced acts such as Cirque Sublime, demo derby, monster trucks etc. are free with fair admission.) Visit realseriousfun.ca or ticketmaster.ca or call 519-438-7203.
Sunfest World Music & Jazz series: Caladh Nua, Aug. 2; Sergent Garcia, Aug. 17, Luisa Maita, Sept. 25; Hendrik Meurkens Group, Nov. 4; Juan Martin flamenco ensemble, Nov. 18; Diana Panton, Nov. 19. All concerts at Aeolian Hall, 795 Dundas St. at 8 p.m. Visit sunfest.on.ca or call 519-672-1522.
Aeolian Hall: Clark Bryan, Aug. 14; Beatriz Boizan, Aug. 16; Light of East Ensemble, Aug. 26; Olenka & The Autumn Lovers, Sept. 3; Jimmy Rankin, Sept. 16; Peter Elkas, Sept. 24; Ohbijou, Oct. 13; Arrogant Worms, Oct. 21; Jill Barber, Oct. 25; Dan Mangan, Oct. 26; Emm Gryner, Nov. 3; Valdy, Nov. 10; Marc Jordan, Nov. 12; John McDermott, Nov 24; Liona Boyd, Nov. 25; Pavlo, Nov. 26. Visit aeolianhall.ca or call 519-672-7950.
London Music Hall, 185 Queens Ave.: Bloody Beetroots Death Crew 77, Aug. 3 (all-ages), Aug. 4 (19-and-up); All Time Low, Aug. 6; Atmosphere, Aug. 9; Bright Eyes, Aug. 26; Girl Talk, Sept. 14 (music hall parking lot); Dirty South, Sept. 30 (parking lot event); Sebastian Ingrosso, Oct. 1 (parking lot event); Underoath, Oct. 7; Steve Aoki, Oct. 14; The Grand Palooza III (Sabbath only Sabbath, Justice Priest, Brain Damage, Bonfire), Oct. 15; Hey Rosetta!, Nov. 20. Visit londonmusichall.com or call 519-432-1107.
Call the Office, 216 York St. (at Clarence): Ramonesarama, Aug. 5; The Aggrolites, Oct. 14; The Slackers, Oct. 27. Visit calltheoffice.com.
Hiawatha Bash: George Thorogood, Aug. 26; 3 Doors Down, Finger Eleven, Aug. 27, gates at 5:30 p.m. both days. Hiawatha Horse Park, 1730 London Rd., Sarnia. $35 a concert, $60 for two-day pass. Visit hiawathabash.com or call 519-337-4474 or 1-866-450-4474.
E-mail firstname.lastname@example.com, read James's blog or follow JamesatLFPress on Twitter.


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Every now and then I come up with a quiz or a rhythm puzzle just to exercise my brain a bit. I love pushing myself and when I can not physically practice my drums (usually because it is 2 AM) I notate rhythm ideas I hear in my head. 🙂
I think if you put a good amount of effort into doing something you are passionate about (at least as much as I am) you should be rewarded.
I am very excited that I have these 3 great teams behind this. THANKS to Dream Cymbals, Vater Percussion and DRUM! magazine for sponsoring this "Rhythm Quiz" idea and making it all possible.
I came up with this rhythm phrase (see picture below) in the early AM hours one day. It has a quarter note, one eighth-note quintuplet, two eighth notes, and the first two notes of an eighth-note triplet. The way I originally wrote it was using a 4/4 measure and a 1/4 measure with metric modulation.
So what's the "Rhythm Quiz" if you already wrote it out, huh?
True…… but there is another way to write it. Not necessarily easier, but there is a way.
All you have to do is figure out a way to write this rhythm idea using one measure in a simple time signature. (Please make sure to include the tempo as well)
Please submit your answer via the form below. Only one entry per email address will be accepted. You have until 12AM ET April 1. On April 2nd I will draw 3 Winners out of all the correct answers. Each Winner will be notified via email, and their winning answers will be shared on my site. Further communication with the winners will be established via email.
Each of the 3 winners will get
- One brick (12 Pairs) of Vater drumsticks (your choice of model)
- My Signature Stack by Dream (14″ or 10″, you specify)
- 12-month subscription to DRUM! magazine.
The contest is over!
And the 3 winners are………….
As I mentioned in the video here are the 3 winning answers.


text: There are a few dieties you can represent for beauty or glamor. But i will tell you that glamor spells do not work. The closest deity that could help you is Aprohidite. She is the goddess of love and beauty. If you want to change your appearence of any kind, All you have to do is just change your style of clothing, makeup, hairstyle etc..


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Cystic Fibrosis: A Guide for Patient and Family
Written by Dr. David Orenstein, director of one of the nation s leading CF centers, this one-of-a-kind guide offers clear explanations and real-world advice on cystic fibrosis and its management. Here you ll find practical and reassuring information on day-to-day concerns school, travel, exercise, nutrition, medication as well as on physiological effects, long-term issues, and prospects for a cure.
Cystic Fibrosis offers straightforward answers to the questions most frequently asked by patients and families what causes cystic fibrosis; how it affects body systems; what pharmacological, surgical, and physical therapies are most effective; what roles exercise, diet, and nutrition play; what complications can occur and how they can be managed; when and why a lung transplant should be considered; what psychological effect the disease has on the patient s family; and how the special needs and concerns of adult CF patients can be addressed. The Third Edition is updated and revised throughout.
Please visit Help Page for Questions
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Aarushi-Hemraj murder: SC dismisses Talwars' plea on witnesses
The Supreme Court Tuesday dismissed a plea by dentist couple Rajesh and Nupur Talwar seeking a direction to the CBI to examine those dropped from the investigating agency's list of prosecution witnesses.
The names of 14 witnesses were dropped before their statements could be recorded by a special Central Bureau of Investigation court holding trial in the Aarushi Talwar-Hemraj double murder case.
While declining to entertain the plea by the Talwars, the apex court bench of Justice B.S. Chauhan and Justice Dipak Misra said, "We cannot compel the CBI or the prosecuting agency to examine certain witnesses. It is absolutely their prerogative."
As Rajiv Nanda, counsel for the Talwars, pressed for the plea to be admitted, the court said, "When your turn comes, you can call them as defence witnesses. There is no law that prohibits you from doing that. There is no need to hurry."
As counsel Nanda tried to take the court into the details of the Talwars' house where the double murder took place, the court said, "We are not here for a mini-trial and issue a certificate to you. We are only concerned with your plea challenging the high court order."
Earlier last week, the Allahabad High Court dismissed the Talwars' plea seeking directions to the CBI to examine witnesses that the agency had chosen to drop.
Aarushi, 14, was found brutally murdered in the Talwars' Noida residence May 16, 2008. The body of Hemraj, who was first suspected to be the girl's killer, was found the next day on the terrace of the house.


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Travel Gear
12 Awesome Travel Gifts
From a travel Nespresso maker to skincare, find cool gifts here for the traveler in your life.
XCom Global Review: Why I Still Travel Overseas with This WiFi Hotspot
I've been using XCom Global for WiFi when traveling overseas for the last almost three years. Here's why.
Why I Document Travel Memories with Blurb
Lightroom sends books directly to Blurb, estimates cost and lets you edit photos from within the book template. How easy is that?
Another Way to Save Money on International Roaming Fees
The KnowRoaming SIM sticker may save you big money on international roaming and data fees.
Travel Smarter to Major Cities with the RueBaRue App
I'm all about both traveling well and smarter so would like to share a new app called RueBaRue that will make your next vacation to a major city much easier. As someone who is constantly battling storage space on my iPhone, I keep apps to a minimum. In a majority of cases, the
9 Must-Have Skincare Products for Long Flights
You may feel like you've been on a long flight but your skin won't show it.
Tips for Traveling with Wine
Traveling with wine by car, plane or train requires smart packing and knowing regulations you may encounter. These tips will help.
Use Your Home Phone Line to Make Less Expensive Calls While Traveling
Tap into your home phone line to make less expensive calls while traveling domestically and overseas using an app on your smartphone or tablet.
The Benefits of Traveling with a Microsoft Surface 3 Tablet
"Is that a Surface?" I asked my friend who had just pulled out a thin device way smaller than a laptop. It looked like a breeze to travel with and she had brought it along on our girls' trip to Barcelona. Typing furiously on an external keyboard linked to the
5 Reasons to Travel with a Scooter for Your Kids
A travel scooter for kids cuts down walking time that could otherwise make them fussy. We love this one.
Win $1000 of Anatomie Luxury Travel Clothing
Learn how to look your best while in-transit and enter to win $1000 worth of gorgeous travel clothing by Anatomie.
Luxury Travel Gear: Stelle Audio Couture Clutch
Is it a handbag? No, it's a chic speaker with sounds that will blow your mind. Here's how we use the Stelle Audio Couture Clutch.


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Happiness can still be found even in the darkest of times… Albus Dumbledor
So much detail!
An original design created to be a coloring page.
The stippling and tiny shading lines add dimension and make this a great poster for you wall without coloring at all.
This poster size image is printed with waterproof ink on 11 x 17″ slightly textured, acid free heavy weight paper
Works fabulously with colored pencil, fine point markers and watercolor.
(Probably not suited for crayon because of the intricacy of the design. But hey… you can do what you want to- I'm not the boss of you.)
Large coloring pages like this one are mailed in a tube so it will arrive without folds. Once it has found its way to you, remove it from the tube and lay it flat for an hour or so to relax the paper.
Shipping costs – especially international shipping – are painful! I'll tuck some extra goodies in to take away some of the sting.


text: NYC vixen Nya Lee shows you how she looks stepping out the house headed to the club to turn up. If you got a #2 hair cut like Ray Ray from around the way you have go extra hard on the se*y swag like Nya does. Her rodeo black and white outfit got me ready to saddle up. Would you have holla'd at her in the club?


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A couple of days ago we pointed out how money doesn't care where it came from. Some people think that their regular salaries should go towards daily expenses, while windfalls (inheritances, stock appreciation, house appreciation, etc.) can go towards less vital stuff like vacations and ATVs.
That's an idiotic perception. If you have an asset to buy, defining "asset" as we do here at CYC (something that'll build wealth), buy it. With your paycheck, or with a handout from Grandma. Or even a loan from Grandma, depending on what interest she charges. Otherwise, it shouldn't matter. Regardless of its origins, money goes where it goes.
Well, that's not entirely true. The only entity that cares how you came by your money is the Internal Revenue Service. Receive money one way, it's taxed at a certain rate. Receive it another way, it's taxed at a higher rate. Seeing as the IRS has the power of deadly force*, soon for the crime of not doing your duty for the Motherland and buying health insurance, it makes sense for us peons to accede to the agency's capricious demands.
As far as the IRS is concerned, there are 2 ways you can receive income:
- ordinary income and short-term capital gains
- long-term capital gains.
This is simplified, obviously. A full accounting of every exception would take us years to write about.
Ordinary income? That's:
- Wages, salaries, tips, commissions, bonuses
- Interest, dividends, and net income from a business that you own a piece of
- Gambling winnings
- Royalties
- Rents
- Pensions, assuming you're one of the few people who collects one.
Meanwhile, capital gains are:
- Money from the sale of a "capital asset", like shares of a publicly traded company, or a house that you sold. Unless you're a land developer and the house is your stock in trade, that kind of thing. The difference between short- and long-term capital gains is arbitrary but defined: hold on to an asset for a year before selling, that's long-term.
We'll spare you the numbers, but regardless of what tax bracket you're in, long-term capital gains are always taxed at a lower rate than short-term capital gains and ordinary income are. There's a good reason for this, too. Ordinary income (and to a lesser extent, short-term capital gains) carries little risk. If you punch a clock, you're legally entitled to wages and can sue if you don't receive them. If you wait tables, society expects that customers will tip you as part of (if not the bulk of) your income.
Long-term capital gains involve tons of risk. There's no guarantee that that stock you bought years ago might ever result in a payoff. Contrast that with the biweekly checks you get after entering into a standard work agreement. By taxing long-term capital gains at a lower rate than ordinary income (and short-term capital gains), the IRS encourages people to hold onto their investments. If all income was taxed at the same rate, there'd be no incentive for anyone to defer spending (synonyms for which are "save", "invest", and "build wealth".) We'd only chop trees down, never planting any.
So is this just an accounting curiosity, something for you to pass the time reading about on a boring Wednesday? Heck and no. Control Your Cash don't play that game. If it didn't apply to your life, we wouldn't be spending time on it.
The more of your income you can derive via long-term capital gains, the less you'll have to fork over to the IRS. We devote an entire chapter of the book to this. Chapter IX, the longest and most detailed one. (By far. Although it's still easy to read, certainly no more difficult than our posts.)
Unless you want to move to Antigua – and before you do, remember that it's easy to go stir-crazy on a 109-square mile island – you're going to have to play the IRS's arbitrary game. Both Wonderland croquet and Calvinball have more consistent rules. This wasn't always the way, but America's descent from beacon of freedom to patchwork of statism is a topic for another day.
Maximizing your long-term capital gains is the inevitable result of buying assets and selling liabilities, our 2-pronged guaranteed way to wealth. It means purchasing vehicles for passive, non-sweat income, no matter how modest or expensive: a $25 mutual fund contribution here, a real estate investment trust there. Anything that creates an income stream for you, or that should appreciate (such as a house). Hold onto it for at least a year, and you'll pay less in taxes that you would if you'd earned similar income via more direct means. Hold onto it indefinitely, and…
You can defer capital gains, too. Sometimes indefinitely. Methods for doing this include structured sales, charitable trusts and 1031 exchanges, which we touch on in the book and will expand upon in future posts. Really we will.
The point is, don't go to H&R Block with your W-2s and say, "Fix this for me." And really don't get a refund anticipation loan. You've got a few months to make this work for 2012, and to figure out how to not get burned in future years. Do it now. (By "do" we mean "buy", and by "it" we mean click the link above. Which is also this link.)
*This is not an exaggeration. To quote P.J. O'Rourke, "If you don't pay your taxes, you get fined. If you don't pay the fine, you get thrown in prison. If you try to escape from prison, they shoot you."


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Car Title Loans Chicago
Words Of Caution Concerning Car Title Loans Chicago
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Make sure you comprehend the fees that include the loan. While you probably will not be considering all of the fees you'll be accountable for, you should know this info because fees can add up. Be sure to demand the fact that company provide you with a written fee schedule prior to taking out a loan. This should actually be done prior to signing for any Car Title Loans Chicago simply because this can minimize the fees you'll be responsible for.
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Moira's first role in America was as "Mo the Referee" on Nickelodeon's popular sports-action shows Guts. She hosted other Nickelodeon TV specials and many, many live Nickelodeon events all across the USA and in the UK, and was also slimed countless times. Moira has also travelled with her stand-up, performing at clubs, theaters, and universities across the country. Her voice-over work can be heard in award-winning video games, award-winning audiobooks, cartoons, and podcasts and has ranged from the sublime (Steampunk anime for director Katsuhiro Otomo) to the ridiculous (uttering the immortal "those meddling kids" line in What's New Scooby Do?). Look for Moira in the soap opera spoof Pretty – season 3 (www.prettytheseries.com) and the Emmy-winning web series, Dirty Work (dirty work.com) playing an extraordinarily foul-mouthed Yorkshire-woman. She is married with two daughters and a husband and constantly has to tell him how to load the dishwasher.
Moira's interview with AudioGals
Moira's Romance Audiobook Titles
Kristen Callihan
Darkest London series
Elizabeth Hoyt
The Princes Trilogy
The Raven Prince
The Leopard Prince
The Serpent Prince


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She woke up to balloons.
And birthday greetings.
"I have so many special things," she smiled.
After a day at school and piano class, we celebrated with cake.
And a round of her new HedBanz Game.
It was a happy birthday for my sweet girl.
The world is a better place with her in it.
I made inside and out rainbow cupcakes for her to share with her friends at school. These are the prettiest three.
Let us assume the rest look as good as this, if not better!
This is the one I took a bite of –
– for quality control purposes and also so you could see what the inside of the cupcakes look like.
We've been having Family Game Night every other week since the start of the year and it's been a whole lot of fun.
We kicked it off with a new edition of a classic game: Clue. Lucy won, so she got to pick the game for the next game night.
Week 2: Wits and Wagers Party and Blokus. Lucy won, again. On both counts. And it's not like we were letting her!
Week 3: Another classic. Mousetrap. Grandma & Phoebe won.
Week 4: Uno. Lucy won, of course.
Week 5: Wits and Wagers Party, again. And I won, with the help of my supportive sidekick, Jackson.
Week Six: Our new favorite game. (It's the one in the picture.) Ticket To Ride. Lucy won – on game night as well as three out of the next five times we played!
Week Seven: Clue. Because Lucy never tires of Clue. Grandma won – on her first guess! So, we played again and I won, but Grandma gets to choose the next game.
Do you have any suggestions?
© 2018 My Mommy's Place
Theme by Anders Noren — Up ↑


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UFC 110: Michael Bisping Fighting To Join "Next Level"February 10, 2010
Michael Bisping is easily one of the most divisive fighters in the sport of MMA today. I'm English and I don't particularly like the guy! However, I do think he is underrated and takes some unfair flack.
Be it his 'scouse' nature, his controversial win over Matt Hamill, or his over exposure by the UFC, the guy is just generally disliked. The chorus of cheers as he was brutally KO'd be Dan Henderson at UFC 100 are evidence of that.
Despite my dislike of him, I am not one of these people who think he is overrated; if anything, I think he gets a raw deal. When you look at his record, Bisping has amassed an 18-2 record with his only losses being against Rashad Evans and Dan Henderson.
That's quite impressive by anyone's standards. When you consider how close his split decision loss to Rashad Evans was, and the fact that Henderson landed one of the sweetest right hooks ever landed in an octagon, his record gets better.
I hear you all scream Matt Hamill...well, I don't think Hamill was such a convincing winner; a draw was probably a fair result. So Bisping has probably been on either side of close split decisions. Give the guy a break. It's not his fault!
At 4-1 in the Middleweight division, Bisping has the chance to elevate his reputation with his fight at UFC 110. Will his upcoming battle down under with Wanderlei Silva give the TUF Four winner the respect he deserves and win over a few fans?
Seemingly written off already by many in his chances at UFC 110, Bisping has been training hard and speaking confidently ahead of his fight with the 'Axe Murderer.' He said this to the Telegraph in the UK:
"We have been discussing tactics for the fight, little tips and discussions about Wanderlei's movement and shots, and Rampage thinks I will beat Wanderlei easily. He has inspired me and has kept confidence in the camp high. I have to keep my composure in this fight. We know what Wanderlei does – he throws aggressive shots with reckless abandon, and I'm psyched to put my game plan into practise. I have nothing but respect for Wanderlei, but I do believe I'm a better technical fighter and more well-rounded."
He went on to add,
"I was very happy when it was announced that my opponent would be Wanderlei Silva. I want to prove I am at this level. I made a mistake against Dan Henderson, but that is the level I want to fight at – and I want membership to that level by beating fighters like Wanderlei Silva."
The Wolfslair fighter certainly has a better chance then most people are giving him in his upcoming fight. He showed in his last fight against Denis Kang that he can take hard shots, and I think he showed a new level in his ground game that was an obvious change in strategy.
Will that be enough against Wanderlei? Well, I am going to go out on an early limb and say yes. The guy is constantly over looked, and I think he learnt his lesson the hard way against Henderson—that to join the "next level" you need your game to be tight.
Wanderlei has not looked like the fighter of old with his only recent win being over Keith Jardine. With this being his first fight at Middleweight I think this could be a fight that opens up the eyes of the MMA world that Michael Bisping has arrived and the UK fighter will join that elusive "next level."
If anything, at least this video should get you pumped for this fight!


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The St. Lucia Chamber of Commerce Industry and Agriculture will host the first in its 2015 Encounter Series: "Practical Actions To Make It Easier To Do Business". This will take the form of panelists making provocative presentations, offering different perspectives on the issue of how and what is being done to make it easier to do business in Saint Lucia. Each presentation will be a maximum of 15 minutes long.
The "Encounter" will conclude with a "Next Steps Component" where action recommendations related to the subject at hand will be invited from the floor and each panelist will be given an opportunity to advance three critical recommendations.
Notwithstanding the many platitudes, in the last 3 years Saint Lucia has implemented few reforms which impacted positively on its "Ease of Doing Business Ranking". During the last year, due primarily to inaction, the island dropped from 64 to 100 in the World Bank Ease of Doing Business report. During that same period the economy has shrunk. While the World Bank Ease of Doing Business Metrics are extremely useful, the Chamber argues, they are only representative. "There are many unmeasured factors affecting the conduct of business of equal importance. We will discuss what actions key public agencies are taking to make it easier, faster and cheaper for their clients to operate," according to the Chamber.
Opening remarks will be done by Emma Hippolyte – Minster of Commerce, Business Development, Investment and Consumer Affairs. Panelists for this encounter are Andy Fenelon – Comptroller of Customs and Excise, Keigan Cox – General Manager, St. Lucia Air and Seaports Authority, Aldrick George – Customs and Brokerage Consultant. Moderator for the evening will be Gerard Bergasse – Immediate Past President, Chamber of Commerce and Island Manager and Business Development Manager, Tropical Shipping.
Practical Actions To Make It Easier To Do Business will be held on Wednesday 25th March, 2015 from 6:30 p.m. at the Palmville Conference Room, Coco Palm Resorts.


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Dear Abby
Published 7:45 am, Sunday, January 5, 2014
DEAR ABBY: I'm a 28-year-old woman with a fantastic job, a wonderful boyfriend and many friends whom I love dearly. I'm the only one without a child.
Maybe I don't understand because I'm not a parent myself, but all my friends can talk about is children. Whereas before, we were interested in each other's lives, I feel like my concerns and accomplishments are being brushed off. An example: I was excited to meet up with a pal to talk about my promotion, but the hour-long dinner was spent mostly teaching her child how to walk between the tables of the restaurant.
I enjoy hearing about my friends and their families, but I feel they are no longer interested in me. Am I expecting too much because we're at different points in our lives, or am I a bad friend? I'm growing resentful, and I don't like it. Any words of wisdom? -- STILL RELEVANT IN MASSACHUSETTS
DEAR STILL RELEVANT: You and your friends ARE at different stages of life. When you were in your teens, you and your friends would talk about dating. Then, as you grew older, the conversations revolved around college, jobs and marriage. As people experience the later stages of life, they talk about other things that are going on in their lives -- children, grandkids, aging parents and, finally, their own health concerns.
You'll maintain and enjoy these friendships longer if you understand that. In the meantime, try to set some "adult time only" with your friends.
DEAR ABBY: I have been divorced for 14 years and have dated some, but not a lot. I recently signed up for an online dating service, and here is my dilemma: I have a felony conviction from 25-plus years ago. It did not involve violence, drugs, sex, stealing, etc. It was for a white-collar crime. I received four years of probation, which I served without a hitch.
My question is not if I should tell someone about my conviction, but WHEN. If I say anything at our first meeting, I'm pretty sure it will also be the last meeting. At the same time, I don't want it to appear that I was hiding it from them.
I might add, this is the only time I have ever been in trouble with the law. I'd appreciate your advice on how to deal with this. -- ONLINE DATING IN TEXAS
DEAR DATING: The time to tell someone about your conviction is when the relationship stops being casual. At that point, you should disclose that there is a chapter from your past that you think the person should know about -- and it's one that will never be repeated.
Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Write Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.


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Today's post is by Linda Prout, author of Live in The Balance, the Ground-Breaking East-West Nutrition Program. Linda creates personalized nutrition and lifestyle programs for clients worldwide. She recently returned from seven years living in the Mediterranean region, including Turkey, where she studied local food remedies.
Fatigue drives 10 million people to doctor visits each year. Chronic tiredness blocks our productivity and disrupts our lives. It's one of the most common health complaints I hear in my nutritional counseling practice. I was once plagued by chronic fatigue severe enough to keep me from reaching for my goals and even from going out with friends. Since no one wants to go to a tired nutritionist, I had to figure out why I was so tired, and how to turn it around.
Fatigue can result from thyroid or adrenal imbalance, a virus, autoimmune disorders, arthritis, the winter season (SAD), too little sleep, sleeping in (no kidding), sleep apnea, most pharmaceuticals and/or poor diet. A good health practitioner can help you determine the cause of fatigue.
The following strategies have helped me, as well as my clients, access high levels of energy regardless of the cause:
1. Drink up, water that is, and make sure its not cold. Dehydration is a big cause of fatigue and thirst is not always a reliable indicator of need. Avoid sweet drinks, even artificially sweetened, and anything cold.
2. Back off the Sugar and White Flour. Nothing zaps your energy like a steady diet of muffins, cookies, bread and pasta. Simple carbohydrates wreak havoc on blood sugar, which leads to low energy.
3. Eat Your Greens. Cooked leafy greens, including spinach and broccoli are a powerhouse of energy-boosting chlorophyll as well as magnesium and B vitamins, nutrients needed to make serotonin and thus to keep us happy, focused and productive. According to Chinese medicine, greens stimulate life energy, or Qi.
4. Exercise and Breathe. Studies show aerobic exercise improves mental performance and physical well-being. A vigorous daily walk, swim or bike ride will keep you physically energized and mentally alert. Be careful to avoid overexertion as this depletes blood sugar and thus energy.
5. Get in Yang* Foods at Breakfast and Lunch. All things, including food and human qualities, can be described as relatively yin or yang. You can click here to read my PDF article on Yin and Yang Balance and Food Choices and to learn how yin or yang food impacts specific human characteristics. According to Chinese medicine, meat, eggs, poultry, fish, and other yang foods provide that get-up-and-go energy needed to get things done. Be sure to choose grass-fed, humane-raised meats verses toxic feedlot choices.
6. Get some sunlight. Fear of sunlight and daily sunscreen use can lead to fatigue, depression, muscle weakness, cancer (including skin cancer), osteoporosis and other diseases from lack of vitamin D, a nutrient commonly deficient among Americans. Your skin makes this vitalizing vitamin only when exposed to sunlight.
7. Plan Something Exciting. There's nothing like an upcoming get-away or starting a new project to renew your energy.
Thank you for the great post, Linda!


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Robotic tech eases load on repetitious jobs
Intelligent process automation is where robotic process automation, machine learning and artificial intelligence form the building blocks to automate mundane and repetitive tasks in businesses.
This is an important part of a digitisation strategy and can free up key resources that can then be used for more complex and valuable work.
ITWeb and LarcAI are running an online survey to examine South African organisations' approach to intelligent process automation.
"As intelligent process automation is in its infancy, there is a need to understand at what stage South African corporates are with regards to their views and thinking on the use of software robotics, artificial intelligence and machine learning in the automation of business processes," says Jannie Strydom, CEO of LarcAI.
The race is on to digitise most business processes that do not rely on people for capabilities such as creativity, innovation and interpersonal relationships, which can't be substituted by technology.
"It is estimated that up to 45% of manual business processes can be digitised, which leaves plenty of automation opportunities."
Strydom explains: "RPA is non-intrusive technology that mimics the keystrokes and actions of people as they execute manual processes. RPA technology is quick and agile to deploy and can easily fill holes in distributed and complex environments."
Quicker, cheaper
Strydom says artificial intelligence makes it possible to automate decisions, recognise documents and images, and make sense out of language.
"Machine learning can enable a robot to learn through experience ? making it smarter over time. Automated work is quicker, cheaper and more reliable. The population implosion in many industrialised countries has resulted in fewer young people in the workplace to fill entry-level jobs."
He goes on to say that a consequence of this is more automation to increase the productivity levels of an aging population.
"This results in a decline of the share of labour cost in production. An adequate automation strategy is vital to stay globally competitive."
Cost benefit
Strydom says the starting point is to make sure all processes are broken down into the smallest parts where the cost benefit of automating the process is well understood.
"After determining an acceptable ROI, the maximum investment can then easily be calculated. The first two or three automations should give a very good indication of costing and will help to decide on the viability before automating a new process.
"I recently posted an interesting article on LinkedIn that offers insight into the factors that could contribute to the success or failure of an automation project. I also think it is important to break processes down in simple parts that are quick and easy to understand. This makes it easy to determine viability and to estimate development cost."
Strydom believes the South African economy is well entrenched in the global economy and is able to adopt new technologies and trends quickly to stay competitive.
"Digitisation and automation is very high on most companies' agendas," he concludes.
Click here to complete the survey and stand a chance to win an RC Drone Built-In HD Camera.


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Panasonic chose the day of the dead to announce the death of its plasma production.
Unlike other TV outfits, Panasonic has been doing rather well lately thanks to a rigorous regime of restructuring and cold baths.
It had been expected that plasma production was for the chop. While the technology is still good, it needs another wave of investment and most of the future appears to be in other technology. It was also completely eclipsed by LCD.
According to Panasonic public financial statements, the company has lost more than $15 billion in the plasma TV business over the past two years.
Plasma TVs accounted for 40 percent of flat panel sales in 2010. In 2013, they are expected to account for just 2.5 percent.
Panasonic told investors today that its plasma TV business would be over by the end of March 2014 and it will be switching off plasma production lines starting from next month.
According to MarketWatch, Panasonic is in talks to sell one of its three plasma display factory buildings in western Japan with the other two remaining facilities also earmarked for a possible sale.


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Orlando, Fla. - Wakeboarding's top professional and amateur riders will once again assemble in the sport's capital, Orlando, Florida, to compete together in the largest team-formatted event in the world — the Nautique Wake Games, presented by Rockstar Energy Drink. Event organizer World Sports & Marketing announced today that the 2012 Games will be played over the course of four days at the Orlando Watersports Complex, beginning Wednesday, April 11, and ending Saturday, April 14. "Year after year, the Nautique Wake Games attracts hundreds of competitors from all over the world because it's the only opportunity for them to team up with the sport's top pros," said tournament director Chris Bischoff. "So it only makes sense to host a massive event like this in the mecca of the sport - Orlando." During its first two days of action, the seventh annual Games will host qualifying rounds for riders competing in all 22 skill-level divisions. Among all the initial competitors, only 90 riders will emerge past the qualifying rounds and be entered into a live draft, held on site at OWC on Thursday evening, where 10 preselected captains will field their teams with a mix of pro and amateur riders. Over the course of the event's final two days, riders contribute points toward a team score based on individual placement in their skill-level division. The team with the highest collective score will win the overall title. All 22 divisions will crown an individual winner as well. Last year, former world champion Rusty Malinoski captained the winning team of the 2011 Nautique Wake Games, and will look to defend his title in 2012 with the help of a new pro-am squad. Daily event schedules and registration information for the 2012 Nautique Wake Games, presented by Rockstar Energy Drink will soon be available on KingofWake.com. Spectators will be charged admission only on Saturday, April 14. Tickets are available at the gate: $13 (adult); $5 (ages 6-12); free (ages 5 and under); or $7 (adult) if purchased at KingofWake.com before noon ET on Friday, April 13, 2012. The Nautique Wake Games, presented by Rockstar Energy Drink is organized by World Sports & Marketing of Winter Park, Fla., and has the support of the following sponsors: Correct Craft, Rockstar Energy Drink, Fox, Oakley, Hyperlite, CWB, Ronix, Liquid Force, PCM Marine Engines and TransWorld WAKEBOARDING magazine. About Nautique The Nautique by Correct Craft is the exclusive tow boat of the Wake Games. Celebrating 87 years of excellence in the marine industry, Correct Craft Inc. is the producer of the Nautique line of boats. The manufacturer of Nautique is known for delivering superior quality products, cutting-edge technology and exceptional service experiences. About Rockstar Energy Drink Rockstar is the world's most powerful energy drink. Enhanced with the potent herbal blend of Guarana, Ginkgo, Ginseng and Milk Thistle, Rockstar is formulated to provide an incredible energy boost for those who lead active and exhausting lifestyles - from athletes to rock stars. Rockstar Energy Drink is available in thirteen amazing flavors: Original, Sugar Free, Zero Carb, Juiced Mango Orange Passion Fruit, Juiced Guava, Juiced Pomegranate, Tropical Punched, Punched Citrus, Roasted Mocha, Roasted Latte, Roasted Light Vanilla, Cola, and Recovery. Rockstar Energy Shots are available in Wild Berry and Tropical Punch flavors. Rockstar Energy Drink is available at convenience and grocery retail outlets across the United States, Canada, Australia, Austria, Belgium, France, Ireland, New Zealand, Japan, Germany, Switzerland, Finland, Spain, The Netherlands, the United Arab Emirates, and throughout the United Kingdom. About TransWorld WAKEBOARDING Magazine TransWorld WAKEBOARDING magazine is the leader in wake-sports media by delivering the best instruction, latest product reviews, insider knowledge and the finest photography. TransWorld WAKEBOARDING accurately defines the wake-riding lifestyle by offering a broad range of content, which helps wake enthusiasts become better riders and enjoy their time on and off the water. About King of Wake The King of Wake is the world's elite pro wakeboarding series, attracting the sport's top athletes from across the globe. Over the course of a season, athletes compete for the ultimate wakeboarding crown in a series points race of eight events throughout the United States to see who rules the wake. The 2012 series consists of the Wake Games, the WWA National Championships, the WWA World Championships, and all five stops on the Pro Wakeboard Tour. The King of Wake is organized by World Sports & Marketing - the leading wake-events producer since 1988.
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Binary Analysis
CFP: IEEE Security & Privacymagazine special issue on Malware Apr 19 2006 07:40PM
Ivan Arce (ivan arce coresecurity com)
Special issue of IEEE Security & Privacy magazine
Botnets, spyware, rootkits and assorted malware, September/October 2006
Deadline for submissions: May 31st, 2006
Guest editors: Ivan Arce (ivan.arce-AT-coresecurity.com)
The continuing evolution of security threats and countermeasures
increasingly points at spyware, rootkits, botnets and a myriad of other
software artifacts - loosely defined as "malware"- as the biggest
challenge to achieve socially acceptable levels of security and privacy
in today's IT environments.
The number of reported incidents and criminal activities attributed to
malware is believed to be growing steadily every year clearly signaling
a topic that merits more focused attention and in-depth analysis from
the information security community.
Consequently, the technological, legal and policy-related aspects of
malware are the topic of an upcoming special issue of IEEE Security &
Privacy magazine.
We are looking for feature articles with in-depth coverage of spyware,
botnets, rootkits and other related malware exploring the following ideas:
* Malware detection, categorization and analysis
* Reverse engineering and static/dynamic binary analysis of spyware,
rootkits and other malware.
* Malware containment and removal.
* Advances in offensive and defensive malware technology
* The global and large scale trends in malware
* Malware economics and metrics
* In-depth research and case-studies of specific rootkits, spyware or
botnet systems.
* Malware-specific computer forensics and incident response
* Malware-specific legal, regulatory and policy considerations
The above list is not complete nor closed, authors are encouraged to
submit articles that explore other aspects of malware.
Submissions are due May 31st, 2006 and will be subject to the
peer-review methodology for refereed papers of the IEEE Security &
Privacy magazine. Submissions will be accepted using the IEEE Computer
Society Manuscript Central site at http://cs-ieee.manuscriptcentral.com
Articles should be understandable to a broad audience of people
interested in computing in science and engineering. The writing should
be down to earth, practical, and original. Authors should avoid theory,
mathematics, jargon, and abstract concepts. They should not assume that
the audience will have specialized experience in a particular subfield.
Feature articles normally run from 4 to 12 magazine pages, including all
text, the abstract, keywords, biographies, illustrations, sidebars,
table text, and reference entries. Articles should be between 4,500 to
7,000 words (tables and figures count as 250 words each)
For more information see: http://www.computer.org/mc/security/author.htm
[ reply ]
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text: Baia Sangiorgio Villaggio Turistico Sportivo features an airport shuttle (available on request), a marina, and a free kids' club. After having fun at the outdoor pool, you can grab a bite to eat at the restaurant or unwind with a drink at the bar/lounge. Other highlights at this upscale hotel include a health club, a seasonal outdoor pool, and a children's pool.