text:
Automated underwriting and new data sources are making insurance possible for many people who would previously have found it too expensive – or even not available at all
Access to life insurance is far from universal. Many potential customers find it hard to find cover, especially if they have a pre-existing condition or have had a genetic test that reveals they may develop one. However, advances in technology are making it easier for insurance companies to accurately assess individual risk, which is helping those who could not previously obtain cover find policies to fit.
"Automated underwriting can identify new niches and provide insurance options for those who may not previously have had access."
"Greater access to data sources, algorithms and well-considered computer technology has enabled an improvement in pricing insights in the insurance industry," according to Michael Tripp, chair of the General Insurance Board of the UK's Institute and Faculty of Actuaries. "Automated underwriting can identify new niches and provide insurance options for those who may not previously have had access."
Technology steps in
Like other sectors, the insurance industry has more technology at its fingertips than ever before. Underwriters can use computer systems to carry out automated underwriting, and these systems are able to analyse huge data sets that can provide a better understanding of the risks the insurer is taking on with each client, as well as offering decisions quickly and often more economically.
The data used in automated underwriting might include figures on life expectancy for different health conditions, or the geographic spread of certain types of claim. It may even include data from social media or Google Earth, all of which can be analysed to reach a more accurate conclusion.
How insurers use data
Whether they are pricing a life insurance policy for a healthy person who has previously had cancer, or considering offering a home policy to a customer whose house has previously flooded, insurers are doing the same thing they have always done: using the information they have available to work out how likely it is that the customer will make a claim, and pricing the policy accordingly.
"Insurance is about making sure the needs of the few fall lightly on the shoulders of the many," explains Laurie Edmans, one of the UK's Financial Inclusion Commissioners. He uses the analogy of ships crossing the sea laden with valuable cargo: "an insurer must decide how many of the ships will sink, and therefore what to charge the owner of each one."
"Big Data is what is now giving the industry valuable extra insight."
With little information about the state of each ship, insurers would charge them all the same. However if the insurer can work out which of the ships is most likely to sink, it would charge those owners a higher premium. Big Data is what is now giving the industry this valuable extra insight, and could also result in quicker claims processing, shorter policy application requirements and lower premiums.
"Life insurers will be able to gain a more complete picture of a customer's situation, increasing the accuracy of risk assessments and pricing decisions," says David Hackett, chief executive of MLC, an Australian life insurance group. "There is enough evidence from other industries, such as healthcare and technology, to show customers are getting better service and products when more information is available. The same benefits could be realised for the life insurance industry."1
How data makes a difference
Getting the facts on HIV
Thousands of people living with HIV in the UK are benefiting from better use of data to set their insurance premiums.
Management of HIV has changed hugely in the last ten years according to Rosalie Hayes, campaigns and policy officer for the UK's National AIDS Trust. "Nowadays, if you are diagnosed promptly and on effective treatment, you can expect normal life expectancy," she says. "We encourage people to think about it as a manageable and long term condition."
However, despite huge strides in treatment and prognosis, the insurance industry was initially slow to react. "People were coming to us and saying that they could not get cover, or if they could, that the premiums were very high," Hayes says. "Our concern was that the refusals and the high premiums did not accurately reflect the risk."
Thanks to the use of more up-to-date data on HIV outcomes, it is now easier for those with the condition to obtain life and travel insurance, with life insurance available since 2009. The Association of British Insurers has produced a guide for consumers, urging them not to cancel their life insurance as soon as they find out they are HIV positive, and informing them that it is now possible to obtain life insurance when you already have a diagnosis.
However, Hayes hopes that insurers will continue to take into account new and better data about those living with HIV to make other types of insurance more widely available for customers. "It is still extremely hard to get income protection insurance or critical illness cover, even though our own research suggests that those who are HIV positive are slightly less likely to take time off work sick," she says.5
There is evidence that using technology and the insights gained from mining Big Data can make insurance more affordable for some customers who traditionally had very high premiums. In Singapore, for example, insurance companies are looking to use big data to identify underwriting opportunities for those who suffer chronic illnesses such as dementia and obesity, say lawyers at Baker, McKenzie, Wong and Leow.2
In the UK, as described alongside this piece, Big Data is improving insurance outcomes for those with HIV. Analytics show that most people with the disease are likely to live a healthy and long life, and premiums are falling as a result.
"Analysis from McKinsey shows that automated underwriting can significantly improve productivity, which should also bring down costs for consumers."
As well as bringing down premiums for those who could not previously get insurance, increased automation in the industry has the potential to reduce prices for many others. The industry is already seeing digital-only entrants, particularly in Asia, which offer automated underwriting only, and can compete on cost.
Richard Holloway, managing director South East Asia & India, Life, at Milliman, says that insurance companies in Asia are spending significantly in this area. "There is certainly a lot of visibility around digitalization, and innovation across the industry in the region," he explains.
"The Singapore government has been supportive of the establishment of 'digital garages', 'incubation centres' and 'innovation labs' in Singapore. I think of it as 'R&D' spend, and perhaps in this context the insurance industry is catching up on the lack of R&D spend historically."
Analysis from McKinsey shows that automated underwriting can significantly improve productivity , which should also bring down costs for consumers.
Ethical considerations
However, there are some concerns about data-driven machines deciding who can have insurance, and at what cost. The UK's Financial Conduct Authority recently looked into concerns that customers with higher risks would be unable to obtain affordable insurance if Big Data alone is used to decide their premiums.
Christopher Woolard, director of strategy and competition at the FCA, said that these concerns were "not yet materialising". "However, the FCA will remain alert to the potential exclusion of higher risk customers and will engage with government if concerns begin to develop because of how firms are using Big Data," he added.
Tripp, at the Institute of Actuaries, agreed. "Given the nature of automation, care must be taken to ensure the system does not exclude groups of people for the wrong reasons," he said.
1 https://www.mlc.com.au/content/dam/mlc/documents/pdf/media-centre/big-data-report.pdf
2 http://f.datasrvr.com/fr1/616/96464/Baker__McKenzie_The_Insurtech_Revolution.pdf
4 https://www.fca.org.uk/news/speeches/challenges-insurance-regulators-big-data-world
5 https://www.abi.org.uk/news/news-articles/2016/07/abi-guide-on-life-insurance-to-support-customers-with-hiv/
This content was produced by FT², the advertising department of the Financial Times, in collaboration with Milliman.


text:
Senior Life
News &
information for the seniors in our community
Material in this section is
published as is from various external sources.
Holiday 'Home Safety Checklist' for aging parents
Send a link to a friend
21, 2012]
SPRINGFIELD -- The Illinois
HomeCare and Hospice Council, the nation's oldest home care
association, released its "Home Safety Checklist" to help ensure
that aging parents can remain living independently.
(Click here for the rest of the
New service hours for Social Security offices
9 a.m.-3
p.m. Monday-Friday
Wednesday afternoons next year
SPRINGFIELD -- Effective Nov.
19, Illinois Social Security offices will be open to the public
Monday through Friday from 9 a.m. to 3 p.m. -- a reduction of 30
minutes each weekday. In addition, beginning Jan. 2, offices will
close to the public at noon every Wednesday.
(Click here for the rest of the
State calls attention to the residents of long-term care in
observance of Residents' Rights Month
SPRINGFIELD -- With respect to
the observance of Residents' Rights Month, Illinois Department on
Aging Director John K. Holton, Ph.D., says the department works to
make sure that residents living in long-term care facilities are not
forgotten, are safe and receive quality care.
(Click here for the rest of the
Medicare Part D open enrollment period going on now
of Insurance offers free counseling on options
800-548-9034 toll-free or visit
SPRINGFIELD -- On Monday,
Illinois Department of Insurance Director Andrew Boron announced
that free counseling assistance is available to help educate
Medicare-eligible individuals and their caregivers about available
Medicare Part D insurance options. The department's Senior Health
Insurance Program, known as SHIP, provides free counseling for
Medicare beneficiaries and their caregivers. The Medicare Part D
open enrollment season runs from Oct. 15 through Dec. 7.
(Click here for the rest of the
Top 10 scams targeting seniors
From the
National Council on Aging
Financial scams targeting
seniors have become so prevalent that they're now considered "the
crime of the 21st century."
(Click here for the rest of the
Nursing home oral health care matters
Elderly people who live in
nursing homes are at greater risk for oral health problems compared
with elderly people who live independently, according to a study
published in the July-August 2002 issue of General Dentistry, the
clinical, peer-reviewed journal of the Academy of General Dentistry.
(Click here for the rest of the
[to top of second
Atlanta Public Library announces new program for seniors
The Atlanta Public Library invites the community to a series
of monthly events for seniors. The series is called "This Golden
Age" and is about making life matter no matter how old you are. This
Golden Age tackles topics of particular interest to people over 50.
The monthly events begin Oct. 16 and are scheduled for nine
(Click here for the rest of the
the Lincoln Police Department
Beware of door-to-door handymen preying on seniors
The Lincoln Police Department
has taken several complaints from senior citizens over the past
several months regarding lawn care companies and tree trimming
businesses that are not performing the amount of work they are being
paid for. These complaints have involved large amounts of money, and
the scamming companies appear to be targeting seniors.
(Click here for the rest of the
Medical identity theft rising: Steps to protect yourself
(ARA) -- Two million Americans
fall victim to medical identity theft each year, according to a
study by the Ponemon Institute, commissioned by Experian's
ProtectMyID. While medical identity theft costs victims an average
of $22,346, the potential impact can be far greater -- medical
identity theft could cost some victims their health, or even their
(Click here for the rest of the
Medicare fines over hospitals' readmitted patients
-- If you or an elderly relative have been hospitalized recently and noticed extra attention when the time came to be discharged, there's more to it than good customer service.
(Click here for the rest of the
< Top Stories index
Back to top
News |
Sports | Business |
Rural Review |
Teaching and Learning
Home and Family |
| Obituaries
Community |
Law and Courts |
Leisure Time
Spiritual Life |
Health and Fitness |
Teen Scene
Letters to the Editor

subset: commoncrawl


text:
Welcome to the Orthopedic Department at Heidelberg University Hospital!
One specialty of our Pediatric Orthopedics and Foot Surgery Division is the treatment of children and adults with neurogenic deformities and gait disorders occurring in conjunction with neurologic diseases. In particular, we treat children and adults with
- Infantile cerebral palsy (ICP, cerebral palsy, Little's disease)
- Myelomenigocele (MMC, spina bifida)
- Arthrogryposis multiplex congenital
- Rare neurologic syndromes (e.g., Angelman syndrome, Rett syndrome, Pelizaeus-Merzbacher disease (PMD), myotonic dystrophy, and Guillain-Barré syndrome)
- Chromosomal anomalies
- Muscle disorders
These underlying neurologic diseases can lead to various orthopedic issues, such as gait disorders, dysplasias, and deformities that require treatment during growth. This division is specialized in the following areas:
- Neurogenic hip (sub-)luxation
- Gait disorders (e.g., crouch gait, internal rotation gait, and stiff gait)
- Neurogenic foot deformities (pes equines, clubfoot, planovalgus foot, and pes cavus)
- Axial deformities of the legs and the arms
This division offers the whole range of conservative methods and surgical procedures to treat these malalignments or gait disorders. If patients are able to walk they are regularly examined using a standardized instrumental 3D gait analysis prior to any planned surgical intervention in order to provide the best possible treatment. We have a modern and certified gait analysis laboratory at our disposal for this purpose. As part of a weekly meeting of experts, gait analyses are professionally evaluated and the surgical procedure or conservative treatment is precisely planned.
We specialize in the following surgical procedures:
- Gait-improving multilevel surgery (SEMLS; single event multilevel surgery)
- Hip reconstructions
- Pelvic osteotomies (triple pelvic osteotomies, Dega, Pemberton, Salter, and Chiari)
- Corrective osteotomies (hip, knee, lower leg, ankle, foot)
- Lengthening of tendons
- Shortening of tendons
- Repositioning of tendons
- Bony and soft-tissue foot corrections
The post-surgical provision of the corresponding orthopedic and technical devices through the hospital's own orthopedic workshop is part of our inpatient or outpatient follow-up care.
We offer the following conservative treatments:
- Orthoses of every kind and function
- Foam rubber positioning aids
- Plaster cast treatments
- Botulinum toxin injections
- Physiotherapy based on neurophysiology (e.g., Vojta and Bobath)
- Rehabilitation equipment (supply of wheel chairs, supply of seating shells)
As part of a university medical center, our principal mission is to treat complex conditions and deformities/gait disorders that sometimes require very elaborate reconstructive solutions. As a maximum care hospital, we offer you optimal care in cooperation with other university facilities with regard to any pre-existing conditions.
It is our pleasure to be able to help you.
Priv.-Doz. Dr. med. Sébastien Hagmann
Head of the Division of Pediatric Orthopedics and Foot Surgery


text:
Think You Don't Have Time To Exercise?
Wake up before baby
For so many moms, the secret to working out post-baby is to rise and shine before their little ones. Pop in a yoga DVD, sign-up for an online exercise program like DailyBurn.com, jump rope on your patio (with baby's monitor at the ready, of course) or bounce on a mini-trampoline in your bedroom. Working out at home is definitely possible and there are many options for mini-workouts that can be accomplished in 30-minutes or less. Setting your alarm clock a bit earlier each day won't seem that bad, but the changes you can make in your body in that time each day will definitely be noticeable!
Work out with baby
If you can't seem to make time to work out without baby in tow, let him join you! Find a mom and me yoga class in your neighborhood, sign up for Stroller Strides — a group exercise program that incorporates your baby and his stroller — or simply strap baby into his carrier and go for a brisk walk. If it's too cold outside, walk around an indoor shopping mall to log some miles without subjecting your little one to the harsh elements.
Find a gym with childcare
Many gyms now offer childcare while you get your exercise in. Understandably, dropping your baby off in a gym day care can make any new mom nervous and it may not work out every time you feel the urge to sweat. Don't give up if baby doesn't love it the first few times. He will grow accustomed to spending time there, just as you will feel more comfortable dropping him off there after the first initial visits. Before committing to a gym with a childcare center, visit with the staff and ask questions to ensure you feel comfortable leaving baby in their care while you sweat it out.
Forgive yourself
If you just can't squeeze in your workout one day, don't get down on yourself or give up. Commit to a routine and do the best you can to stick with it most days.
More on post-pregnancy fitness
Finding a fitness routine after baby
Get motivated to lose postpartum pounds
How to safely lose weight while breastfeeding


text:
Sleep is a state of being characterized by a lack of consciousness. But are we capable to perceiving sensory stimuli while we are asleep, or we totally oblivious to the world around us? It is known that humans can strengthen previously acquired memories during sleep, but it is not known if we can actually take in new information.
If a Skunk Passes By While We Sleep, Would Our Brain Know It?
Researchers at the University of Israel decided to test the assimilation and acquisition of new non-verbal information during sleep. It is known that we respond to unpleasant smells by producing shorter sniffs, and to pleasant smells by longer, deeper sniffs. The research team used this information to create a unique test. While participants were asleep, they paired odors with musical tones, i.e., an odor-tone pairing was created with the tone being separated by the odor by at least 1 second. To ensure that these were being detected by the participants, their sniffing behavior was studied, and it was ensured that their sniffs were shorter when unpleasant odors were being presented. They also ensured that participants did not wake up in response to these odors; participants who did wake up within 30 minutes of the experiment were excluded from the analysis.
Upon waking up, the same participants were presented to the tones alone, and it was found that the tones which were paired with unpleasant odors induced a shorter sniffing response in the participants. Moreover, they were unaware of the experiments that had been conducted while they were asleep. This shows that their brains could process at least two things—odor processing, and association of tones with odors while sleep. This shows that our senses are definitely at work while we sleep!
What, and How Much Can We Take In While Asleep?
These participants only learned a simple non-verbal response. More studies will have to be conducted to determine the extent to which we can learn during sleep. Head researcher Anat Ariz says, "There will be clear limits on what we can learn in sleep, but I speculate that they will be beyond what we have demonstrated." Though it is unlikely that we can learn all our Algebra by listening to recordings while we are asleep, this research could have implications in treating addictive disorders, for example, by using conditioning that pairs addictive drugs with a negative connotation. As Arzi says, perhaps the best way to cure such disorders might be learning at a level of non-awareness.
You can read more about this research here.


text:
Kansas Museum of History
This award-winning museum tells the story of the people of Kansas. See the Santa Fe's oldest surviving locomotive, No. 132, from 1880. A. K. Longren's 1914 version of the plane in which he made the first successful flight of a Kansas-built plane in 1911. Named one of the 8 Wonders of Kansas History. Shop the Museum Store for Kansas gifts.
Plan your visit - find hours of operation, admission fees, directions to site, public transportation, parking, tours, and contact and scheduling information
Exhibits - discover what you'll see when you visit
Programs - view specific dates and times of our upcoming regular and special events


text:
DroidLaw - Your Android Attorney
What's the first thing you notice when you walk into a lawyer's office? Books! There are always bookshelves full of thick volumes as far as the eye can see. In the 21st century, there just has to be a better way to keep track of laws and legal documents. Wouldn't it be great if you could fit all these pages onto a hand-held device? DroidLaw promises to turn this vision into reality.
|Reviewed version
|Latest version
Features & Use
DroidLaw is basically a personal legal assistant designed for your Android device. The app is intended first and foremost for legal professionals and law school students. Whether as a study-aid or a casual reference source, DroidLaw is a useful tool for anyone involved with law in one way or another.
By default DroidLaw includes US Federal Rules, which are divided into the following legal areas:
Appellate Procedure
Civil Procedure
Criminal Procedure
Evidence Procedure
Each individual area of law is subdivided into sections marked with roman numerals that are then further divided into smaller numbered subsections. It's a very neat and well-organized system that reduces clutter and makes browsing simple and efficient.
Once you've selected a particular area of law, you can filter down what you're looking for by entering in terms into a text box at the top of the screen.
Unfortunately, this only filters words listed on the specific screen that you are viewing. There's no option for searching through all sections and subsections for a specific keyword. This is definitely a major drawback given the huge amount of legal information out there.
There are three buttons located at the bottom of the screen:
- RSS (View relevant RSS feeds)
- Addons (Download additional legal codes and regulations)
- Workspace (A clipboard where bookmarked sections and RSS feeds for future reference)
By pressing Addons, you can download more legal material at a cost. At the given moment there isn't very wide selection of legal materials. Currently, none of the US state codes are available (except Ohio), which is problematic for people working in the States. According to the developer's website, however, more reference material is on its way.
Pressing the menu button in the Workspace section let's you add an RSS feed by providing the RSS channel title and URL.
To access your settings, press the menu button when at the main menu. There you can see how much data is being stored offline and wipe all offline data if necessary. You can also adjust your data caching or clear your cache at any point.
Bottom Line:
This app may not have any dazzling features, but it works well-enough as a reference source. As a tool, this app is most useful for people dealing with legal matters on a regular basis. It would be nice to see more material included in the app beyond just Federal Rules. As I already mentioned, the lack of a comprehensive search feature is a real disappointment. Unlike flipping through heavy reference books at the library, a legal reference app for Android should make searching for legal terms quick and easy.
Screen & Controls
The design is very simple and pragmatic. Everything is clearly displayed on the main screen as soon as the app is launched. Most features can be accessed using the touch screen, which is very efficient. In general, the app is extremely well organized and is intuitive to use. Once you've found the legal rule you needed, pressing the menu buttons presents you with several options:
Bookmark (Saves it to the Workplace)
Share (via Email, Facebook, SMS or Twitter)
Save Offline
The app has very minimal controls that can be easily understood by anyone. Everything works really well!
Speed & Stability
The app launches instantly when opened. Everything runs quickly and smoothly. No crashes or lags experienced during the test.
Price/Performance Ratio
DroidLaw can be downloaded for free from the Android Market. Add-ons can be downloaded at an additional cost. Since not that much material is included with the app, this can get a bit expensive (prices range from $3.99 to $2.99).


text:
A quick apology first, for a lapse over the past few days. I ran into a particularly busy spell at work, and added to some other extra-curricular responsibilities, it made it impossible to update this site. On the other hand it also made it impossible to make any progress in these "Linux adventures," so nothing was particularly lost.
I did accompany a friend to a computer retailer on a computer shopping trip. The winning prize was a rather nice machine by my standards — possibly one I would have bought myself a few months ago, if I had seen it first. It's an NEC VersaPro model VY22X/RX-M, housing a 2.2Ghz Celeron, 256Mb of memory, a 20Gb hard drive, USB2.0, an ATI Radeon 330-series graphics card on a 1024×768 LCD, a CDROM, Windows XP (in Japanese) and a floppy drive.
Considering that the focus of this machine will be common desktop tasks, like surfing and watching Flash videos, it's fine. It was a little sluggish at start — actually very sluggish — but I added a leftover 256Mb stick of DDR333 and it hums along quite well. It's a sizable machine — easily bigger than any of the computers I keep on hand — but I think that was actually a selling point for the buyer.
The price was good too — under US$200 with a 30-day lemon guarantee, and the seller threw in an off-the-shelf DVD reader-writer identical to the one I bought two weeks ago. Considering that my friend was expecting to pay twice that amount, it was an easy choice.
Overall the computer is in solid condition, no physical defects, flexible enough to handle everyday chores, and should have a few more years of action left in it. We'll see how it goes from here. …


text:
This is my public service announcement to remind people that bleach does not make for a good cleaning product.
Remember- vinegar is just as effective in killing bacteria. The bonus is the vinegar won't kill you!
Brian and I went to the Green Home Expo last week. We were really enjoying all the earth-friendly products that are now available. The big new thing this year is putting in artificial grass. Originally I thought this was a horrible idea. It's fake and to produce the "grass" would cause carbon emissions. Well, I'm beginning to come around….
The first thing I thought of was our water bill. We waste so much water to keep our lawn green. Living in the desert with very little rainfall this becomes a real problem. Also, grass is the culprit in cows giving off methane gas (there is a burpless grass that would remedy this problem)….so grass isn't as nice as we would think.
When we were researching synthetic lawn we noticed that each grass was made out of something completely different. There is a company called AGL Grass (http://www.aglgrassbykiktavi.com) that claims to have a product that is completely recyclable. The downfall is that the filler they use once the grass is installed is made of recycled tires and that could be potentially toxic.
We decided to go with Synlawn (http://www.synlawn.com)… They use silica for a filler and their grass actually looks like real grass (not overly shiny or one color….Part of the lawn is actually biodegradable after a certain amount of years. This lawn is warrantied for twelve years, but should last around 20.
We'll let you know how it turns out!
We are true converts to cloth diapering. We decided to do it because of the health risks associated with disposables. There are many more reasons to cloth diaper…
Disposable diapers contain traces of Dioxin, an extremely toxic by-product of the paper-bleaching process. It is a carcinogenic chemical, listed by the EPA as the most toxic of all cancer-linked chemicals. It is banned in most countries, but not the U.S..1
Disposable diapers contain Tributyl-tin (TBT) – a toxic pollutant known to cause hormonal problems in humans and animals.2
Disposable diapers contain sodium polyacrylate, a type of super absorbent polymer (SAP), which becomes a gel-like substance when wet. A similar substance had been used in super-absorbancy tampons until the early 1980s when it was revealed that the material increased the risk of toxic shock syndrome.3
In May 2000, the Archives of Disease in Childhood published research showing that scrotal temperature is increased in boys wearing disposable diapers, and that prolonged use of disposable diapers will blunt or completely abolish the physiological testicular cooling mechanism important for normal spermatogenesis.18
In 1988, over 18 billion diapers were sold and consumed in the United States that year.4 Based on our calculations (listed below under "Cost: National Costs"), we estimate that 27.4 billion disposable diapers are consumed every year in the U.S.13
The instructions on a disposable diaper package advice that all fecal matter should be deposited in the toilet before discarding, yet less than one half of one percent of all waste from single-use diapers goes into the sewage system.4
Over 92% of all single-use diapers end up in a landfill.4
In 1988, nearly $300 million dollars were spent annually just to discard disposable diapers, whereas cotton diapers are reused 50 to 200 times before being turned into rags.4
No one knows how long it takes for a disposable diaper to decompose, but it is estimated to be about 250-500 years, long after your children, grandchildren and great, great, great grandchildren will be gone.5
Disposable diapers are the third largest single consumer item in landfills, and represent about 4% of solid waste. In a house with a child in diapers, disposables make up 50% of household waste.5
Disposable diapers generate sixty times more solid waste and use twenty times more raw materials, like crude oil and wood pulp.3
The manufacture and use of disposable diapers amounts to 2.3 times more water wasted than cloth.3
Over 300 pounds of wood, 50 pounds of petroleum feedstocks and 20 pounds of chlorine are used to produce disposable diapers for one baby EACH YEAR.6
In 1991, an attempt towards recycling disposable diapers was made in the city of Seattle, involving 800 families, 30 day care centers, a hospital and a Seattle-based recycler for a period of one year. The conclusion made by Procter & Gamble was that recycling disposable diapers was not an economically feasible task on any scale.17
Dryness and Rash
The most common reason for diaper rash is excessive moisture against the skin.19
Newborns should be changed every hour and older babies every 3-4 hours, no matter what kind of diaper they are wearing.20
At least half of all babies will exhibit rash at least once during their diapering years.20
Diaper rash was almost unheard of before the use of rubber or plastic pants in the 1940s.21
There is no significant difference between cloth and disposables when it comes to diaper rash.22
There are many reasons for rash, such as food allergies, yeast infections, skin sensitivity, chafing, and chemical irritation. Diaper rash can result from the introduction of new foods in older babies. Some foods raise the frequency of bowel movements which also can irritate. Changes in a breastfeeding mother's diet may alter the baby's stool, causing rash.19
We estimate that each baby will need about 6,000 diapers7 during the first two8 years of life. The following estimates are based on prices in San Francisco, California.
Disposables. For these calculations, let's assume that a family needs about 60 diapers a week. In the San Francisco Bay area, disposable diapers cost roughly 23¢ per store-brand diaper and 28¢ for name-brand. This averages to 25.5¢ per diaper. Thus the average child will cost about $1,600 to diaper for two years in disposable diapers, or about $66 a month9.
Diaper Services. Subscribing to a diaper services costs between $13 and $17 each week depending on how many diapers a family decides to order. Let's assume the family spends roughly $15 a week for 60 diapers a week. This equals $780 annually and averages to $65 a month. Over the course of two years, the family will spend about $1500 per baby, roughly the same cost as disposables, depending on what type of covers are purchased and what type of wipes are used. If one adds in the cost of disposable wipes for either diapering system, the costs increase.
Cloth Diapers. For cloth diapering, each family will probably need about 6 dozen diapers10. The cost of cloth diapering can vary considerably, from as low as $300 for a basic set-up of prefolds and covers11, to $1000 or more for organic cotton fitted diapers and wool covers. Despite this large price range, it should be possible to buy a generous mix of prefolds and diaper covers for about $300, most of which will probably last for two children. This means the cost of cloth diapering is about one tenth the cost of disposables12, and you can spend even less by using found objects (old towels & T-shirts).
National Costs. According to the U.S. Census Bureau, there were about 19 million children under four in 2000. We could probably assume that there are about 9.5 million children under two and therefore in diapers at any one time. Based on previous studies, we estimate that 5-10% of babies wear cloth diapers at least part time. We will average these figures to 7.5% of babies in cloth diapers and 92.5% in disposables. This means that about 8.8 million babies in the U.S. are using 27.4 billion disposable diapers every year13.
Based on these calculations, if we multiply the 8.8 million babies in disposable diapers by an average cost of $800 a year, we find that Americans spend about 7 billion dollars on disposable diapers every year. If every one of those families switched to home-laundered cloth prefold diapers, they would save more than $6 billion14, enough to feed about 2.5 million American children for an entire year15. Coincidentally, the 2002 U.S. Census reveals that 2.3 million children under 6 live in poverty16.
1 Allsopp, Michelle. Achieving Zero Dioxin: An emergency strategy for dioxin elimination. September 1994. Greenpeace. http://archive.greenpeace.org/toxics/reports/azd/azd.html
2 Greenpeace. New Tests Confirm TBT Poison in Procter & Gamble's Pampers: Greenpeace Demands World-Wide Ban of Organotins in All Products. 15 May 2000.
3 Armstrong, Liz and Adrienne Scott Whitewash: Exposing the Health and Environmental Dangers of Women's Sanitary Products and Disposable Diapers, What You Can Do About It. 1993. HarperCollins.
4 Lehrburger, Carl. 1988. Diapers in the Waste Stream: A review of waste management and public policy issues. 1988. Sheffield, MA: self-published.
5 Link, Ann. Disposable nappies: a case study in waste prevention. April 2003. Women's Environmental Network.
6 Lehrburger, C., J. Mullen and C.V. Jones. 1991. Diapers: Environmental Impacts and Lifecycle Analysis. Philadelphia, PA: Report to The National Association of Diaper Services (NADS).
7 Average of 8 changes per day over 2 years (8x365x2=5,840)
8 We are using 2 as the average age of transition from diapers to toilet use.
9 60x52x$0.255=$795.60, or $800. $800x2years=$1,600. $1,600÷24=$66 per month.
10 3 dozen each in two sizes accommodates most babies
11 6 dozen prefolds at an average of $2.16 each and 16 covers at $8.50 each ((72x$2.16)+(12x$8.50)=$292)
12 $300÷2 children = $150 per child. Compare to $1,600 per child for disposables
13 8.8 million x 60 x 52 = 27.4 billion
14 Cloth diapering is 90% cheaper. 90% of $7 billion is $6.3 billion.
15 Food costs calculated at $2,475 per child per year or $6.78 per child per day for 3 meals and 2 snacks. Costs based on U.S. Department of Agriculture Food and Nutrition Service, Child and Adult Care Food Program. Figures current as of July 2003. http://www.fns.usda.gov/cnd/Care/CACFP/cacfpfaqs.htm
16 Percent of People in Poverty by Definition of Income and Selected Characteristics: 2002 (Revised). http://www.census.gov/hhes/poverty/poverty02/r&dtable5.html
17Stone, Janis and Sternweis, Laura. Consumer Choice — Diaper Dilemma. Iowa Sate University – University Extension. ID.# 1401. 1994.
18C-J Partsch, M Aukamp, W G Sippell Scrotal temperature is increased in disposable plastic lined nappies. Division of Paediatric Endocrinology, Department of Paediatrics, Christian-Albrechts- University of Kiel, Schwanenweg 20, D-24105 Kiel, Germany. Arch Dis Child 2000;83:364-368.
Click here or go to http://adc.bmjjournals.com and search by the title of the study.
19 Boiko, S. 1997. Diapers and diaper rashes. February 1, 1997. Dermatology Nursing.
20 Shin, H.T. 2005. Diaper dermatitis that does not quit. Dermatologic Therapy, 18: 124-135.
21 Weiner, F. 1979. The relationship of diapers to diaper rashes in the one-month-old infant. The Journal of Pediatrics, 95: 422-424.
22 Stein, H. 1982. Incidence of diaper rash when using cloth and disposable diapers The Journal of Pediatrics, 101: 721-723.


text:
The organization love.fútbol is dedicated to bringing safe playing fields to impoverished countries around the World.
USMNT and Earthquakes defender Clarence Goodson wants you to help him support the cause.
Simply click here to donate and you are automatically entered to win a trip to the 2014 FIFA World Cup in Brazil this summer.


text:
106. CHRIS HADFIELD: An astronaut's advice
Chris Hadfield (August 1959-) is a Canadian astronaut currently on assignment aboard the International Space Station. He will become the first Canadian Commander of the ISS when Expedition 35 takes over this March.
Hadfield has become an Internet-celebrity, using social media and YouTube to share what daily life is like aboard the ISS. He regularly tweets breath-taking photos of Earth (here is a selection of his best pics) and has a YouTube channel with videos on everything from how he operates a giant robotic arm to how he eats a peanut butter and honey pita sandwich (bread isn't used because of the crumbs). This particular quote is taken from a recent Redditt 'Ask me anything' session Hadfield took part in while aboard the ISS. A youngster asked if Hadfield had any advice for an aspiring astronaut, and this quote was his reply.
– Thanks to Jason for submitting this.
– RELATED COMICS: Neil Armstrong. Edgar Mitchell. Carl Sagan. Robert Goddard. Phil Plait. Neil deGrasse Tyson.


text:
Posts Tagged 'next class'
Program of Study – M.A. Military History – American Civil War
For those interested, I have posted the full program of study for my Masters program on "the courses" page here. It's pretty solid at this point with the exception of an elective.
I've now purchased all required books for my upcoming course, "Studies in U.S. Military History" which starts April 7th. It's a BIG stack. As is my custom, the full reading list is posted on "the courses" page. I had previously posted more detail on that course here. Recall that it covers most of America's major wars and should provide an excellent survey. Can't wait!
I'm finishing up an essay on ethics as related to historians due today so will get back to my two series posts on (1) Jomini and (2) The Temperment of Military Leaders when completed.


text:
© copyright 2019 Karl Stanzel | all contents on this website © by Karl Stanzel | all rights reserved | authors' rights by Karl Stanzel | All content published on this website including images, photographs, text, graphics, are protected by applicable laws on copyright and are the exclusive property of Karl Stanzel.| Publication or distribution of the content, photographs, text, graphics of this website, including by framing or similar means, is prohibited without the prior written consent of Karl Stanzel.| The contents of this site are free viewable by any user for the only purpose of consultation, information and advertising for photography of the photographer Karl Stanzel.| Karl Stanzel has the sole right to grant permits to any use of the content of this website. | Karl Stanzel Photography |STN KRL 58C17 F132H|01616540215|
By continuing to use the site, you agree to the use of cookies. more informations Accept
The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this.


text:
You have no items in your shopping cart.
Product Features
Air Max 90 OriginsNike's revolutionary Air-Sole unit made its way into Nike footwear in 1978. In 1987, the Nike Air Max 1 debuted with visible air in its heel, allowing fans more than just the feel of Air-Sole comfort—suddenly they could see it. Three years later, the Nike Air Max 90 lets them see even more of it, arriving with a Visible Air window that was bigger than its predecessor. It hit the shelves sporting a fiery shade of red that set the sneaker world ablaze and became a Nike staple.
Regular Price: £65.93
Special Price £56.31
Regular Price: £78.44
Special Price £57.68
Regular Price: £90.94
Special Price £59.54


text:
Really what I'm getting at is two lines of reasoning I see in gospel accounts that seem to contradict one another.
In particular I'm thinking of the pericope in which Jesus is accused of casting out demons by Beelzebul, and the one where Jesus indicates that not everyone who casts out demons will be saved. In the former, I gather from his line of reasoning that demons cannot be cast out by Satan; in the latter, it seems as though casting out demons by Satan must be a possibility.
"Every kingdom divided against itself is laid waste, and a divided household falls. And if Satan also is divided against himself, how will his kingdom stand? For you say that I cast out demons by Beelzebul. (Luke 11:17-18, ESV)
Jesus's point seems pretty clearly to be that he casts out demons not be Beelzebul--whom demons presumably come from--but by the Lord. The argument is a reductio ad absurdum: it would simply not make sense to cast out demons by Beelzebul, therefore Jesus must be casting out demons by the Lord.
But then there's the Sermon on the Mount:
On that day many will say to me, 'Lord, Lord, did we not prophesy in your name, and cast out demons in your name, and do many mighty works in your name?' And then will I declare to them, 'I never knew you; depart from me, you workers of lawlessness.' (Matthew 7:22-23, ESV)
Here, there are those who, evidently, cast out demons, and yet never knew Jesus. So then, I would think that they must not be casting out demons by the Lord, and their power to cast out must come from Satan instead.
And yet, this conclusion is precisely what Jesus's argument seemed to short-circuit. So, how does one reconcile these two passages?


text:
Opinion: You Call This a Recovery?
Editorial board member Steve Moore on the January jobs report. Photo: Getty Images
This transcript has been automatically generated and may not be 100% accurate.
... I ... opinion Journal why Mary Kissel ... well the January jobs numbers are out in the White House blames quote ... the wounds inflicted by the worst downturn since the Great Depression and quote ... so was our lousy economy really somebody else's fault ... editorial board member Steve Moore joins me now from Washington ... Steve ... whose fault is this somebody else is ... well you know the Democrats could blame forty years of my new liaison on Herbert Hoover right I said that ... the Brock Obama can continue to use the slide that it's all George W Bush's puppet ... in all a very listless economy over ... the canal economic and jobs report a week I'd done hundred and sixteen thousand or so jobs that terrible but it's just it's kind of Mitterrand and I think the real problem is were in this kind of ... very slow growth rut right now one half to two percent growth a hundred fifty dollars seventy five thousand jobs a month it's not that it's not your op but it's just not growing fast enough to bring about sat down to get the twenty million people don't have a full-time job ... in the jobs ... of its all in all mediocre I guess would be the way I describe this jobs picture nasty a lot of people focus on the headline number seven point nine percent jobless rate ... but the labor participation rate sixty three point six percent ... should we interpret that with the Sydney ... a couple points Mary first Bala go back to the headline unemployment rate over seven point nine percent I went back and look at it when we pass this big eight hundred billion dollars stimulus to go back to four years ago ... and at this point when they pass the stimulus in what the unemployment rate he predicted would be today now five point three per sites allowed to happen in the points higher than now Obama promised we would get up we spent that trillion dollars ... now your point about the labor force participation rate is very important because this is ... the real segments of the U S economy ... here is an amazing statistic I married or eighteen a half million fewer Americans in the workforce today ... but now we're the day that Barack Obama ... entered office that that's really depressing ... well that's ironic to since of the White House claim that ... Pres is created more jobs and Ronald ... Reagan ... I get one thing and a little deeper here's the lead up to the tothe to the Dr decided ... that the numbers ... we average about two hundred fifty to three hundred thousand jobs a month or in the rate of expansion we've been averaging about a hundred fifty thousand ... during Obama so we read about half the pace of job creation we we we were under a of of of of the diaper any any good news in the survey sting ... to be on ... the other is one piece of pretty up pretty good news which is a recalculated the unemployment numbers for two thousand and twelve ... and they they recounted we at about three hundred thousand more jobs story the euro ... than we originally thought so that's a good number that means we were trading at twenty five thousand ... jobs a month ... more than we had a racially out fully ... Stevie is there any prospect of us getting out of the strike ... anytime soon ... yell ... that's ... tough to predict that because you do have some real tail winds you got a housing market is clearly recovering in were seeing you know prices rise were stock is starting to see new construction housing up or a fortified your depression Housing Sebastian to create jobs ... the energy sector that both you and I've read a lot of politicians bowling in America ... notwithstanding all Washington is doing to try to hold that back I you know the stock market's been on a tear for the last month so ... I think we can probably see a few months about growth ahead ... now there's real aam ... headwinds that were facing to what I would ... point to the tothe Washington created I think are most ominous ... the first is the big tax increase that we just passed the Obamacare tax increases and the app increases in taxes on the call Rach ... notion of slow things down on the other is the Obamacare health care law is already having enough that the business is slowing down there are hiring are a ... is they don't wanna be on ... under the strictures of the outlawed that say get more more more than fifty workers you happen ... to have all of these new regulations well rather bleak outlook to another lousy Employment Report editorial board member Steve Moore don't forget Mary were not you're up so it's probably at least not enough for diapers out of line and unleashed will have negative growth we may not be Europe yet but still that the challenger names jobs jobs ... Sharp editorial board member Steve Moore thanks for being with us


text:
Searching For More New Style Number Plates...
Hover over any available registration below for details. View these HNA prefix reg in list format.
Brilliant! Received my plates within a few days!
Excellent and with no fuss - just straight forward. 5 stars from me.
I absolutely can not fault National Numbers. They always responded quickly and answered all the questions (and there were many) until I was completely satisfied. Would recommend them to anyone!
Brilliant! They rang me and sorted all out over the phone. Plate was on within a day.
Very good service. Helpful, friendly and also very quick.
Very understanding and easy to deal with. I spoke to Adam, who was very helpful and patient, so definitely recommend them to anyone who is interested in a cherished number plate.
Very simple to do and good after sales help if needed. Thank you.
Absolutely fantastic - great team and exceptional advice and service.
Quick, convenient and good value.
This is a company that puts the satisfaction of its customers FIRST. My purchase was not quite what I ordered but a quick phone call resulted in replacement plates arriving the next day. Very friendly to deal with and highly efficient.
Fast and efficient!
I cannot fault the service received from National Numbers. The staff I spoke to were knowledgeable, professional yet friendly and did what was needed in a timely manner. Thank you so much.
DVLA is a registered trade mark of the Driver & Vehicle Licensing Agency. National Numbers is not affiliated to the DVLA or DVLA Personalised Registrations. National Numbers is a recognised reseller of DVLA registrations.
This website uses cookies to ensure you get the best experience. Read our privacy policy for more about what we do with your data as well as your rights and choices.
For more information on our cookies and what we use them for, please refer to our cookie policy.
Essential cookies enable core functionality such as page navigation, your preferences and access to secure areas. The website cannot function properly without these cookies, and can only be disabled by changing your browser preferences.
Analytical cookies help us to improve our website by collecting and reporting information on its usage.


text:
The two-metre-high granite statue, a project led by the Manitoba government, provides relatives a place to grieve loved ones who were killed or have disappeared.
It stands at The Forks, the historic junction of the Red and Assiniboine rivers that served as a meeting place for aboriginals for centuries.
"When you walk by, please take a moment to think about these women and their families," said Barb Houle, whose daughter Cherisse was killed outside Winnipeg in 2009. The 17-year-old's body was found in a ditch and her killer has never been caught.
"We'd like to raise awareness on this issue that's not only important to aboriginal people, but to society as a whole."
The monument, hourglass-shaped and human-sized, is meant to represent a woman. There is an opening near the top that allows sunlight through.
"The light and the darkness pass through without judgment in an endless cycle. There is neither a beginning nor an end," said Nahanni Fontaine, a special adviser for the government on aboriginal women's issues.
Aboriginal and Northern Affairs Minister Eric Robinson renewed his call Tuesday for a national inquiry into missing and murdered aboriginal women, an idea the federal government has rejected.
In May, the RCMP issued a detailed statistical breakdown of 1,181 cases since 1980. The report said aboriginal women make up 4.3 per cent of the Canadian population, yet account for 16 per cent of female homicides and 11.3 per cent of missing women.
The report also countered accusations from some quarters that aboriginal deaths are not taken as seriously by police. The "solve" rates were virtually identical at 88 per cent for aboriginal women and 89 per cent for others.
Also on HuffPost


text:
If I could, I would reach out to each and every one of you, take you by the hand to the market, buy a bunch of kohlrabi and some ham, go back to your kitchen with you and make this dish for you. Just so you would try it.
It's that good.
The recipe was in a book that Garrett gave my father on Russian, German & Polish Food & Cooking. Dad has a preternatural affection for all things turnip and cabbage.
Kohlrabi means cabbage turnip in German, so of course dad couldn't wait to try the recipe. We all loved it so much we made him make it again a few days later and made sure my brother showed up for dinner.
Kohlrabi Ham Bake Recipe
- 3 tablespoons butter
- 4 kohlrabi, peeled and diced
- 8 ounces thick ham, diced
- 2 tablespoons fresh chopped parsley
- 3 egg yolks
- 1 cup heavy cream
- 2 tablespoons all-purpose flour
- Pinch of mace (can substitute ground nutmeg)
- Salt and freshly ground black pepper
1 Cook diced kohlrabi in butter: Preheat oven to 350°F. In a large skillet, melt the butter on medium heat. Add the diced kohlrabi and gently cook for 8 to 10 minutes.
2 Beat the egg yolk, and whisk in the heavy cream, flour, mace, salt and pepper until well combined.
3 Assemble casserole: Place half of the cooked kohlrabi on the bottom of an oven-proof casserole dish. Layer on the diced ham and parsley. Top with the remaining kohlrabi. Pour the sauce ingredients over the kohlrabi and ham.
4 Bake: Bake at 350°F for 30-35 minutes or until lightly browned on top. Serve immediately.
Hello! All photos and content are copyright protected. Please do not use our photos without prior written permission. Thank you!
This post may contain links to Amazon or other partners; your purchases via these links can benefit Simply Recipes. Read more about our affiliate linking policy.


text:
Personal tools
|Volume 19, Number 1
|Computer Professionals for Social Responsibility
|Winter 2001
Getting the Chad Out: Elections, Technology, and Reform
by Erik Nilsson
Finally, the Spotlight Falls on Elections Technology
The 2000 US presidential election was shocking and embarrassing. Americans were shocked to discover that their elections systems are woefully inadequate. The world was surprised to discover that America, one of the worlds oldest and stablest democracies, could have such rotten elections machinery.
And it was embarrassing. In Florida, a close race for president exposed technical and procedural failures. Other states experienced similar incidents, demonstrating that the embarrassment is national. It was embarrassing to have the ensuing squabble engulf all three branches of government.
It's unfortunate that such a debacle was required to focus attention on a thoroughly-researched problem. CPSR's work on election systems began in the 80s with the work of Bob Wilcox, Eva Waskell, myself, and others. Elections experts have been writing since the 70s on the inadequacy of US election systems. Unfortunately, systems that were inadequate in 1970 are still in use today, and are still inadequate.
Citizens and elected officials demand that something be done. We must replace defective systems with new ones; we must pay for these new systems; we must make voting more convenient; we must use the Internet; we must return to simpler, reliable systems; we must act boldly; we must act cautiously--there is agreement that something must be done, but no agreement on what to do.
The world's democracies watch the debate in America, and consider their own actions. Democratic nations all incorporate innovations developed around the globe over the last three centuries. The problem is not uniquely American; all democracies are re-evaluating their democratic machinery to some degree, in light of Florida.
Certainly, something must be done. Hopefully, Americans will be moved to action, not because our pride has been hurt, but because we owe ourselves and the world more trustworthy elections. Hopefully, all the world's democracies will take sensible steps where they are required. But in our headlong rush to do something, it's important to understand what is actually broken and what might be done to fix it.
To assist this critical debate, CPSR's Winter 2001 Newsletter is devoted to elections. In "No Easy Answers," Lorrie Faith Cranor surveys elections technology, evaluates the prospects for Internet voting, and makes recommendations for action. "Why Has Voting Technology Failed Us?" examines the performance of existing systems, and considers the prospects for improvement. In "Sweden to Experiment with E-voting," Anders Olsson reports on Sweden's current electoral experiments.
In "System Integrity Revisited," Rebecca Mercuri and Peter Neumann examine the reasons why current voting systems have failed. They call on computer professionals to contribute their expertise to an informed discussion.
I hope these articles contribute to your understanding and interest in elections technology. This is the third major publication CPSR has devoted to this issue. Roughly every five years, CPSR has devoted a special report or newsletter to voting. Hopefully, in 2005, the topic of elections technology will not warrant such treatment. I hope the next five years bring us elections systems worth trusting.
Erik Nilsson <firstname.lastname@example.com> chairs the CPSR Working Group on voting. He has published various articles on voting systems, written elections software, and observed elections. He is based in Seattle.
What's inside...
© Computer Professionals for Social Responsibility
This newsletter is also available in the Adobe Portable Document Format (PDF), which requires the free Adobe Acrobat Reader.
|[ top ]
|Newsletter Index
Created before October 2004


text:
New Marquette president hits the ground running ... literally
Marquette University's new president has literally hit the ground running with students.
Dr. Mike Lovell kicked off the year with a morning run, inviting students and staff to join in on his fitness routine.
VIDEO: Marquette University president hits ground running
"I'm keeping them honest," he said. "They're not staying out too late on Thursday nights."
Lovell said that inviting students and staff along on his runs is a great way to promote fitness and health while also getting to know his surroundings.
Social Media Director Tim Cigelski said Lovell pitched the idea to him, and he went with it.
"He said 'I just want to start to get to know the campus,'" and so Cigelski tweeted the run time and location.
And if you tweet it, they will come.
"I just figured it'd be a good opportunity to meet the president and go for a run when I probably wouldn't have," said Phil Gessler.
Lovell carried the idea over from his time as chancellor at UW-Milwaukee. Students and staff at Marquette seem to like the idea.
"It's in a smaller setting, so it's not just us watching him speak," said student Amelie Hansen. "Watching him run and we can talk with him at the same time."
Lovell said he plans to have running sessions twice a week to start. Once the snow flies, he said the run will likely move indoors.


text:
According to a new market report published by Transparency Market Research "Wearable Technology Market - Global Scenario, Trends, Industry Analysis, Size, Share and Forecast, 2012- 2018," the global wearable technology market stood at USD 750.0 million in 2012 and is expected to reach USD 5.8 billion in 2018, at a CAGR of 40.8% from 2012 to 2018. North America is expected to maintain its lead position at 43.0% of the global wearable technology revenue share in 2018 followed by Europe.
Browse the full report at http://www.transparencymarketresearch.com/wearable-technology.html
This report covers the global wearable technology market size and forecast from 2012 to 2018 along with their application in different end-use segments such as wellness and fitness, healthcare and medical, infotainment, industrial and military. The performance of wearable technology applications across different geographical regions namely, North America, Europe, Asia and RoW (Rest of the World) has also been covered in this report.
The wearable technology market has been segmented in this report by product type, by end-use segments and by geography. We have covered the four end-use segments of the wearable technology products namely, fitness and wellness, infotainment, healthcare and medical, and industrial and military.
The fitness and wellness segment comprises products like smart clothing and smart sensors, activity monitors, sleep sensors and others, whereas the Infotainment sector consists of products like smart watches, heads-up displays, smart glasses and others. The products like continuous glucose monitor, drug delivery, monitors, wearable patches and others have been covered under healthcare and medical segment and products like hand worn terminals, augmented reality headsets and others have been mentioned under industrial and military segment.
Wearable technology market is in early stage of evolution with growing adoption in various end-use segments such as fitness and wellness, healthcare and medical, industrial and military and infotainment sectors. Wearable fitness and wellness products include smart clothing, activity monitors, sleep sensors and others; whereas the infotainment segment includes smart watches, smart glasses and heads-up displays among others. On the other hand, products like continuous glucose monitors (CGM), drug delivery, and wearable patches are being predominantly used in healthcare and medical sector. Hand worn terminals, heads-up displays and other such products are being used in the industrial and military settings.
Among all the wearable technology end use segments, the healthcare and medical segment held the largest revenue share followed by fitness and wellness in 2012. However, in 2018, the infotainment segment is expected to surpass the fitness and wellness segment driven by robust growth of smart watches and smart glasses. The healthcare and medical segment accounted for about 35.1% of the overall wearable technology market in 2012 primarily due to the rising aging population and increase in diabetic population.
Wearable technology is driven by factors like compactness, portability and easy use along with the multi-functionality and increasing applications of these products in various sectors. The increasing adoption of such technically advanced products among youth coupled with increasing demand for real time and actionable data will also fuel the growth of the wearable technology market. However, factors including high price and lack of consumer awareness are expected to hinder the market growth.
North America led the wearable technology market growth with high adoption rate and better consumer awareness in the region. The North America region contributed over 2/5th of the global wearable technology market revenue and will consolidate its lead position during the forecast period. Europe and Asia Pacific region will collectively account for about 49% of the market revenue by 2018.
Browse the full report at http://www.transparencymarketresearch.com/wearable-technology.html
» Read More...


text:
Irresistibly sexy girl looks so hot and seductive that her naughty brother simply cant wait any longer to start talking her into having real incest sex with him right now. Lustful buddy decides to begin with putting the feelers on cuties most sensitive spots just to drive her completely crazy. Then he reveals his dick and makes sister give him a head. A sudden fit of strongest passion makes girl lose control and forces her to spread for brother in order to get cunt banged on real incest fuck.
Find your sis sexy? We know how it feels, and this is why we launched this site, a collection of proven tips helping you to seduce and succeed!
Overwhelmingly seductive exclusive scenes of first-time incest sex between fathers and their teen pumpkins await you at FSWDaughter!
Breathtaking hardcore sex videos featuring fabulously beautiful teenage starlets and their own older brothers - only at First Sex With Sister!
A good girl often gets surprises from her daddy. But a bad girl also gets some! See young chicks making their fathers so horny all the taboos are broken!
Young boys and girls unleashing their sexuality under strict supervision of their parents - now on exclusive homemade pics and video!
Looking for the nastiest incest scenes performed by perverted cock-hungry babes and their innocent teenage brothers? Weve got them here!
What can be more pleasant than taking part in exciting family orgies with moms, dads, bothers, sisters, sons and etc? Check it out on BigIncestFamily.com
Crazy documentaries of family relationships, 3D images and illustrated comics! You simply have never seen anything comparable!
Incest 3D
Incest Sites
Incest Porn
Incest Membersites Previews
Incest Sex
All persons depicted here in were at least 18 years of age:
18 USC 2257 Record-Keeping Requirements Compliance Statements


text:
Is Baseball Still America's Favorite Pastime? — Sports Survey of the Day
If you talk to someone who grew up in the '40s, '50s, '60s or '70s, there would be no doubt that baseball would be their favorite sports, but is it still true today?With so many sporting options these days, baseball has kind of been lost among today's youth. Soccer and lacrosse have grown in popularity, and many people are pursuing those alternatives over traditional sports. As a matter of fact, the football has topped baseball the past few years as America's favorite sport.
Since the strike ended the 1994 season, the love of professional baseball has never been the same. Despite Major League Baseball trying to get people back to the ballpark, some teams are still struggling to fill seats. Some say the game moves too slowly, while others use the excuse that the game simply doesn't work in certain areas. Those answers may be the case, but the simple answer is that America is losing interest in its traditional national pastime.


text:
Lasell College Hosts Family, Friends, and Alumni Weekend 2010
October 14, 2010
The Lasell Campus is gearing up for its annual Family, Friends and Alumni Weekend, October 15-17, when the Lasell College community gathers to welcome new and old friends of the College.
Headlining the weekend-long event is Robert Channing, mentalist and psychic, the Third Annual Golf Outing at Sandy Burr Country Club in Wayland, Mass., and the Fifth Annual Lasell Creative Showcase. In addition, Lasell College will incorporate the Boston Duck Tours, Fall Fest, a showing of Toy Story 3 and the River Day 2010 Feast and Races into Family, Friends, and Alumni weekend.
On Saturday, Lasell College athletic squads will play in three contests. The women's soccer team will play Albertus Magnus on Taylor Field at 12:00 pm. The women's volleyball team will play Emerson in the Athletic Center at 1:30 pm. Then, the men's soccer team will take on Albertus Magnus on Taylor Field at 2:30 pm. Also included in the weekend will be alumni events for men and women's soccer, cross country, men and women's lacrosse, and field hockey, capped off by an intrasquad baseball game at Brandeis University.
More information and schedules are available or contact Student Activities at 617-243-2475 or Alumni Relations at 617-243-2139 for information.


text:
The Nintendo 3DS is not likely to arrive in the UK until December, with the company's hopes of an October release ahead of Christmas likely to be confounded.
According to CVG, who have spoken to a senior games retail source, plans for an October launch are now being abandoned, with a limited amount of stock now set to appear in December.
That leaves precious little time for those hoping to upgrade to the latest handheld for Christmas will face a battle for units and a race against time.
Early indications
"Early indications to us are that the launch is going to emulate Wii in December," the source told CVG.
"We've been informed that Nintendo wanted a long run-up to Christmas, but now it's going to be a close-run thing.
"We're not expecting a lot of stock before next year."
As you may imagine, Nintendo has insisted that all talk of a release date is still speculative.
From CVG


text:
Sukhawadee House is a mansion by the Pattaya Sea owned by Mr. Panya Chotitawan, the owner of Saha Farm, one of the biggest agricultural product exporters of Thailand. The idea of building the house occurred in 2000 when it was a huge economic crisis. Many businesses in Thailand, from small to big, collapsed and were taken over by foreign companies. Mr. Panya, therefore, decided to build this luxurious castle with over hundred people working together in unity. This was to show that Thai people were still in harmony and had potential and dignity no less than other nations.
Sukhawadee House is located on Sukhumvit Road at 129- kilometer stone. It covers the area of 80 Rais (128,000 square metres) with 400 meter long beach and consists of group of pink and blue contemporary buildings. The interior decoration and the gardens are all beautifully designed and also convey hidden abstract values.
One of the stunning buildings at Sukhawadee House is the Guan Yin (the Goddess of Mercy) Building which is also the residence of the Chotitawan Family. Inside this building, there are the reception room and the multi-function room for seminars of up to 500 people. This building is also the place, exhibiting the invaluable precious gemstone decorated image of Guan Yin (the Goddess of Mercy) standing on the Dragon.
Buddha Tower is another outstanding building here at Sukhawadee House. It is a collection of the Buddha images and other holy images including the 9.28 meter tall image of the Lord Buddha at birth. Buddhabaramee Building is a luxuriously decorated convention hall with the mural painted by the team of Thailand Department of Fine Arts and the floor covered by the biggest carpet in Asia Pacific. This building consists of many meeting rooms for organizing activities of Saha Farm and affiliated companies. It has been honored to welcome several important people and to host many of the country prestigious events. The building also exhibits the beautifully decorated Relics of Lord Buddha. After finishing touring around Sukhawadee House, tourists can shop for Saha Farm products with special price here as well.
Sukhawadee House opens daily from 8.30 am. to 6.00 pm.
Sukhawadee House is located at 219, Moo 2, Sukhumvit Road, Na klua Sub-district, Bang La Mung District, Chonburi province, 20150, close to the chore, near Chol Chan Hotel and Bang La Mung District office.


text:
The appropriate "punishment" for Top Gear's slurs against Mexicans has arrived: sweatshop-rate Taiwanese computer animation showing poorly-made avatars of the three hosts pelted by burritos and neon-green butt gas. Even Esteban, everyone?
You know what Top Gear's brilliant at? Making controversy up to keep themselves relevant. Don't people know they're just feeding into Clarkson et al's ego complex?
Credit: Next Media Animation


text:
Edexcel A level Arabic (2008)
Here, you'll find everything you need to study for or to teach Edexcel GCE AS and A level Arabic, including key documents and the latest news.
Students of our Edexcel A level in Arabic will develop an understanding of Arabic in a variety of contexts and genres, and learn to communicate confidently, clearly and effectively in Arabic. Students will develop an awareness and understanding of the contemporary society, cultural background and heritage of the countries or communities where Arabic is spoken.
On this page
- Qualification type:
- AS and A level
- Subject:
- Arabic
- Specification codes:
- Availability:
- UK and international
- First teaching:
- 2008
- First assessment:
- 2009
- Final assessment:
- AS and A level summer 2019 (with AS and A level resits summer 2020)
Support for
Why choose this specification?
Designed to make language learning enjoyable and stimulating, our Edexcel A level Arabic specification rewards advanced research and reading skills, and acknowledges the importance of Arabic language culture.
Appealing content prepares students to become effective communicators, with well-informed opinions of the contemporary society, cultural background and heritage of one or more Arabic-language countries or communities.
Teaching support
New to teaching Edexcel A level languages?
See what training courses are available
Visit the language teacher community
Special requirements
Find out how to make arrangements for candidates with special needs in their examinations.


text: In between the shadow and the lights. In between the shadow and the light. . . . #loveyou2 #notetoself Leave a Reply Cancel replyYour email address will not be published. Required fields are marked *Comment Name * Email * Website I have read & accept the privacy policy. * This site uses Akismet to reduce spam. Learn how your comment data is processed.


text:
By clicking the I Agree button below, I am agreeing to the
Program Rules for the Prosper Rewards program. I understand that if I do not agree to these
terms of use and privacy statements, I should click the Cancel button, discontinue my registration and refrain from using the system.
I will also be sure to add @.com to my address book so Points2U is included in my safe senders list.
I Agree
My Account | Shopping | Use Points | About the Program | Contact Us
© 2020 RewardsNOW, Inc. All rights reserved.


text:
- Film Note : -movie_rating-
- Release Date of film : 2004-03-04
- Average rate : 6
- Vote Count : 192
- Societies of production : Regency Enterprises
- Status : Released
- Tagline : Matt never saw her coming... but all his friends had!
- Duration of movie : 108
- Languages spoken : English
- Youtube Id : -youtube_id-
- Original title : The Girl Next Door
- Movie genre : Comedy, Romance,
- Emile Hirsch Character (Matthew Kidman)
- Timothy Olyphant Character (Kelly)
- Elisha Cuthbert Character (Danielle)
- James Remar Character (Hugo Posh)
- Chris Marquette Character (Eli)
- Paul Dano Character (Klitz)
- Timothy Bottoms Character (Mr. Kidman)
- Amanda Swisten Character (April)
- Brian Kolodziej Character (Derek)
- Julie Osburn Character (Jeannie)
- Ulysses Lee Character (Samnang)
- Brandon Irons Character (Troy)
- Donna Bullock Character (Mrs. Kidman)
- Sung-Hi Lee Character (Ferrari)
- Jacob Young Character (Hunter)
- Harris Laskawy Character (Dr. Salinger)
- Laird Stuart Character (Mr. Ruether)
- Richard Fancy Character (Mr. Peterson)
- Catherine McGoohan Character (Mrs. Peterson)
- Dane Garretson Character (Ryan Wenger)
The Girl Next Door Synopsis:
You can watch The Girl Next Door Movie Online Streaming in HD Now. Watch for free download The Girl Next Door movie online with single fill out the form by clicking on the image of the sign up button. Enjoy all the albums new movie with all Faves Movie Streaming In ! Just watched it The Girl Next Door Free Movie Online. This is truly spectacular and could one of those rare amazing. The quality was great all around. Management, images and visual effects were all very innovative and brilliant. The pleasure of the script, often humorous and has a lot of heart for all his characters are all very well developed.
... The Girl Next Door 1080p ...
David Wagner Job as : Author, Brent Goldberg Job as : Author, Stuart Blumberg Job as : Author, Luke Greenfield Job as : Director, Mark Livolsi Job as : Editor, Paul Haslinger Job as : Original Music Composer, Jason Weil Job as : Art Direction, Stephen J. Lineweaver Job as : Production Design, Harry Gittes Job as : Producer, Richard Wenk Job as : Producer, Jamie Anderson Job as : Director of Photography, Arnon Milchan Job as : Executive Producer, Marc Sternberg Job as : Producer, Marilyn Vance Job as : Costume Design, Traci Kirshbaum Job as : Set Decoration, Mali Finn Job as : Casting, Guy Riedel Job as : Executive Producer, Charles Gordon Job as : Producer,
Yes, now you can Watch The Girl Next Door Full Movie Streaming Online and get the link to The Girl Next Door Full Movie Online Streaming In HD Ici


text:
Hopefully no one plans to leave downtown San Francisco this evening, because the whole area is set to be consumed in an angry four-way rage fest over the BART subway system, a fest that now includes a counterprotest in support of a BART official whose nude photo was leaked by protesters.
Gay and black friends of gay and black BART spokesman Linton Johnson are planning to gather downtown tonight to counterprotest Anonymous, the hacker group that last week obtained and released pictures of Linton showing off his dick at a party, according to the San Francisco Chronicle (scroll to second item).
Anonymous, in turn, has been protesting BART's decision to shut down cell phone service to thwart other protesters. Those protesters are upset that BART police are shooting passengers to death on a disturbingly regular basis. All protest groups, along with BART police, will be gathering at 5 pm tonight at the Civic Center station. If the past few weeks are any guide, they will move progressively closer to the waterfront, with BART administrators shutting down various key commuter stations in their path.
In summary, basically the only people who can use San Francisco's regional subway to properly transit to and from work now are the people whose work involves causing the subway not to function safely, saying the subway does not function safely, or protesting how people accomplish said causing or saying. Normal people with jobs that do not entail protesting or shooting should obviously plan to use other modes of transportation.
[Photo of a passenger being hostile to a protester for being hostile to the police for being hostile to passengers at last week's BART protests via Getty Images]


text:
Development and Production
- We develop electronic circuits using up to date CAD software
- We programmed either in assembly language or C
- We pay attention to an EMC compliant circuit- and device design and support EMC tests
- We manufacture prototypes and samples
- We create the complete technical documentation
- We produce pilot lots
- We produce individual pieces, eg for test rooms
- We produce small batches in-house
- this typical numbers are 20...500 units, depending on the technology (SMD or THT), the complexity, the number of components and the PCB material used (eg FR4 or IMS)
- We use external service providers for larger series and monitor their quality
- New in-house machines are a CNC mill and a pad printer for front panel and case processin
The figure (left) shows a part of the schematic diagram of an intrinsically safe flyback-converter running under full software control to generate a voltage of 350V from 12..24V input.
Interested? Click here for the inquiry form.


text:
Carine Roitfeld Barneys Fashion Week Party [Pictures]
See Snaps from Carine Roitfeld and Barneys's Karaoke Party
Barneys New York Celebrates Carine Roitfeld
>> In celebration of "Carine's World," the Fall 2011 campaign Barneys did in collaboration with Carine Roitfeld, the retailer hosted the stylist's nearest and dearest at Westway, the converted former strip club space in downtown New York.
Guests like Alexander Wang — who stopped by before his own party around the corner, Terry Richardson, and Karlie Kloss enjoyed Roitfeld's favorite drink, Testarossas, and the bounty of the taco truck she requested be stationed outside; there were even rumors of a Kate Moss appearance (although that never came to fruition).
As the party revved up, Roitfeld took the platform for a karaoke rendition of George Michael's "Careless Whisper"; Simon Doonan followed with "Nasty Girl." Later, Roitfeld followed up with Carly Simon's "You're So Vain." And when Valentino Garavani and Giancarlo Giammetti arrived later on, Valentino got on stage to sing "Unforgettable," doing "My Way" for an encore.
Photos: Billy Farrell Agency


text:
The Anantapur Sports Academy (ASA) just concluded the 10th Anniversary celebration of its hockey academy earlier this year. And now it welcomed Andreu Enrich, the man who strengthened Hockey in Anantapur through the Stick for India project. Andreu is here to relive the 10th Anniversary celebrations and a decade long commitment to bring sports to rural India particularly Anantapur. He is doing that through the Stick for India and Hockey. Andreu spoke to us about this year's camp and shared with us about how the 10 year celebrations have been very special. He also gave us some insights on the camp itself.
What made this year's camp different?
The Stick for India camp structure hasn't changed much. We trained the Anantapur Sports Village (ASV) Hockey Academy teams with a greater intensity this year. This is because we have observed that they continue to improve by leaps and bounds. However the coaching methodology and philosophy remains the same. We visited grassroot schools, played hockey games with the girls and the boys, spoke to their PE teachers and Headmasters, etc.
What did you have in mind when you brought more women coaches over this year?
The focus has always been to empower young girls through sport. We did not plan to have more women coaches this year. However, during the pre-camp period we floated a campaign to invite volunteer coaches. To our surprise, we received more applications from women coaches, and that favoured our aim at women empowerment.
What was your aim of the camp this year?
We received support from Sportways. Its a Dutch company that extended support to the project by providing us their coaching methodologies, modules and kit. Their philosophy to hockey is based strongly on the concept of "Fun and Learning." We believe in the same principles. We therefore aimed to ensure that more children play the sport and enjoy doing so during this year's Stick for India camp.
The ASA celebrated the Hockey project's 10th anniversary, how do feel when you look back to see your involvement with the project for so many years?
I am very happy to have been part of the project. The overall progress of the program has been very satisfying as the numbers at the grassroots grow at a fair pace. This motivates me to keep moving forward. For me initially, it was only about growing the reach of my sport and working with Rural Development Trust (RDT). Now it is completely different as the project is affecting so many lives in such a positive manner. I am just overjoyed about that fact. I do regret not being able to be there during the celebrations though but knowledge of the fact that the program celebrated its 10th year along with the opportunity I get to be here every year with all these beautiful and enthusiastic children makes me feel really wonderful.


text:
Twitter Updates
- Upcoming Shows alexisstevens.com/2017/04/03/upc… https://t.co/fgE7fw8OI5 3 years ago
- Iowa City, Here I Come (Again) alexisstevens.com/2016/05/16/iow… https://t.co/Jo83ESONL6 4 years ago
- RT @sotlat: #Nashville [314] Somebody Pick Up My Pieces featured #song s by @chantalclaret @AlexisStevensIA & @sarahgaylemeech 5 years ago
- Tune Into "Nashville" Tomorrow Night wp.me/p2tHFy-9Q 5 years ago
- Nashville News wp.me/p2tHFy-9H 5 years ago
Tag Archives: Nashville
Tune Into "Nashville" Tomorrow Night
All right, folks. Tomorrow (2/25) night's episode of "Nashville" will include my song, "Talk Of The Town." As I understand it, it will play during a scene with Scarlett and Gunnar at the Bluebird. I'm stoked! You can find the song … Continue reading
Posted in Uncategorized Tagged ABC, Background Music, Bluebird, Bluebird Cafe, Gunnar, Nashville, Nashville show, Piano, Scarlett, Scarlett and Gunnar, Song, Talk of the Town Leave a comment


text:
Mobile Apps
On the go?
Trade with our mobile apps.
Don't miss out on any market opportunities, trade wherever you are with our mobile apps.
- Secure, fast and free apps
- New functionality constantly offered
- Real-time financial information
Available functionalities
Dynamic graphics, prices change in real time
Trade Themes Trading portfolios
Connected tools
Smart TV & Apple Watch
Keep an eye on financial news on your Smart TV and download the Swissquote app on your smart watch.
MacOS screensaver
The major global indices, SMI quotes, principal currencies and latest financial information.
Log into the Swissquote website and change your password.
You can:
• use the contact form in the mobile apps
• send a message from the website under the Support heading
• call Customer Care on 0848 25 88 88
Swissquote offers an ePrivate Banking app for iOS. This app does not allow you to perform transactions on your account; it simply displays the positions and strategy of the account.
This is not possible for the moment.
Simply log in with your bank account or your MySwissquote account to find your personal profile pages.
Every screen has a refresh button or a function whereby you simply pull down the page to refresh the data.
Quotes are updated automatically for logged-in users.
If you choose to save your username and password, they are encoded using a key that is specific to each device. Then, they are stored in this form in Keychain, a database secured by Apple.
In iOS, simply swipe right (slide your finger from left to right across the cell).
In Android, press on a security for a moment to be able to remove it.
Only your "Favourites" list and your personal profile pages may be changed.
• iOS 8.2 and more recent versions
• Android 2.1 for Swissquote version 3
• Android 3 for version 4
• Android 4 for version 5
The trading apps are available on the different online stores for iPhone et iPad, Android.
Currently, you are asked for your Level 3 card just once.
Your device is then authorised to access your account, and you can place orders without needing your Level 3 card again.
Swissquote strongly discourages taking a photograph of your Level 3 card.
You will no longer need it to log in to the website, since you can activate the "Mobile Level 3" functionality that means you can validate each login directly on the mobile app.
Mobile Level 3 function
Simple, fast, secure: place your orders at any time by activating this function.


text:
It's official! Disney has released dates for Mickey's Not So Scary Halloween party for 2017. Are you attending? I AM! This year, Disney starts the party at the end of AUGUST and it runs through November 1. What a schedule. I can't wait to see what magic they bring this year!
- August – 25, 29
- September – 1, 7, 10, 12, 15, 17, 19, 22, 24, 26, 29
- October –1, 3, 5, 6, 9, 10, 12, 13, 15, 17, 19, 20, 22, 24, 26, 27, 29, 31
- November – 1
No official on sale date yet but going based off of historical data, they should go on sale in early May.
The big question for adults with the change in costume policy earlier this year is "can I wear a costume?" The answer is YES! They are discouraging guests from some specific types of costumes and larger costumes are subject to further inspection in security – it's a safety thing. So plan accordingly but definitely bring you creativity!! For adults, long layers and full length dresses are not allowed. Capes may be worn but not past the waist. Remember all of these things are for the safety of all guests!
Some highlights from the 2016 party:
- Mickey's "Boo-to-You" Halloween Parade – including Disney Characters and the stars of the Haunted Mansion attraction. The parade kicks off with a ride from the Headless Horseman.
- Happy HalloWishes fireworks – an AMAZINg display different from the everyday fireworks!
- Many favorite Disney Characters and Disney Villains in special Halloween costumes.
- Special lighting, music and theming effects transforms special areas of Magic Kingdom into happy haunted hollows.
- Hocus Pocus Villain spectacular bringing back the Sanderson sisters to put a spell on the park. This stage show was wildly popular!
- Trick or treating around the Magic Kingdom with more candy that I know what to do with (and tons of options for guests with allergies).
I expect this year to have even more haunting magic! While it is a separate admission into Magic Kingdom, if you travel in fall it's 100% worth the cost to take advantage of lower crowds and all of the fun things that ONLY happen during the party.
Tips & Tricks for Special Events in Magic Kingdom:
- Depending on your length of stay and number of days with park tickets, you have two options for the morning and early afternoon of your special event.
- For longer trips or those with park hopper tickets: Take the morning off! Sleep in (you'll rarely hear me say this on a Disney vacation, so take advantage). It's a great opportunity for a late morning character breakfast at Chef Mickey in Contemporary or the delicious flavors of Boma in Animal Kingdom Lodge. Enjoy your resort's pool and explore to see some of the hidden things it has to offer. Use Disney's transportation to navigate to another resort to explore (I choose the deluxe resorts!) or head to Downtown Disney for the morning.
- For shorter trips with only base day tickets, you may want to take the opportunity to "park hop". Since you do not need your daily ticket and your special event ticket, enjoy a morning in another park
- Regardless of your morning plan, eat a large late lunch before you arrive at Magic Kingdom! While select quick service restaurants are available, you don't want to use your precious time eating a meal you could have any other time during regular park hours. You may find yourself roaming around the park for something that's open by the time you are hungry. There are dining options both table service and quick service during the party, but you'll use up precious time if you dine during the party.
- Skip the long character lines and enjoy some of the special live shows and open attractions. You'll rarely ever see lines that short! If there is a must do character, don't worry about waiting! Do what is important to your kids (if characters are more important than rides, GO FOR IT! We are a character meet and greet family so seeing them in different attire is fun and it's the only way to see some villains!)
- Arrive as close to 4 pm as possible. While the park may still be a bit crowded with ticketed day guests, you'll want to use as much of your ticketed time as possible.
- Rest up earlier in the day (make sure kids have napped appropriately). Bring a stroller for your younger ones to take a little snooze waiting for a parade or a place if they are just too tired.
- Consider Memory Maker. It's a great little add on to any Disney vacation, but why not grab a few holiday photos for your Christmas card or capture some lasting Halloween memories through the eyes of Disney! Even if you don't add it on, you can still take advantage of Disney's PhotoPass photographers throughout the park.
- If you know you want to attend one of the parties, buy your tickets before your arrive. Advanced purchase is a bit cheaper (usually about $5) and some popular dates sell out.
- If you are not attending the party and you have base tickets, avoid these party dates! You won't get a fireworks show at the end of the night (unless you watch it off the Magic Kingdom grounds). If you have park hopper tickets, it's a pretty good park to start your day with as many people do avoid Magic Kingdom on party nights!
Ready to get started planning your 2017 Disney World vacation? Please contact me at any time for a free quote. The benefits to using an authorized Disney vacation planner include saving time before and during your vacation with itinerary planning which can help save you hours of standing in line each day. Plus you won't have to watch for available discounts, research resorts, wake up early for dining reservations, or stay up late for FastPasses. The best part about using a travel planner instead of planning yourself? It's totally FREE! Plus I'll take away some of the stress and confusion of planning a Disney vacation (especially if it's your first one!)It's also a worry free vacation opportunity. I'll walk through through all of the steps to the process with a few little insider tips along the way! If you already have your vacation planned and are interested in transferring your vacation, ask me how!


text:
Event & Show Tickets
Pro Sport Tickets
College Sport Tickets
Helpful Pages
Secure Online Shopping
California Cities
Follow Us
100% Buyer Guarantee
Join our Newsletter
Customer Reviews
Wonderful Service!
Thank you for the great experience. We truly enjoyed the show. Thank you for making it all happen.
Will use again...
Great customer service + excellant prcing = very happy customer!


text:
Every once in a while, it's good to take a step back from the more intense flavors of gaming available on your iPhone or iPad and just play a game that's pure fun.
Grub, sequel to the hit game from independent game studio Pixowl, Greedy Grub, is one of those purely fun experiences that just begs to be played.
Last week at the Electronic Entertainment Expo, I got a chance to try this delightful little Snake-style game out on the developer's iPad, and was enchanted by the visuals right off the bat.
Take a look at the video below to see what I mean.


text:
Regular price $193.31 Sale price✔ 777 Sold
Save: $132.49
✔ 30 day Exchange or Return**
✔ $9.99 US & Worldwide Shipping
✔ PayPal Protection
✔ Shipping 12-30 days (avg. 15)*
✔ Verified Carriers Only
Custom for FORD MUSTANG Neon Sign Light Real Glass Neon Tube HandMade Beer Bar Shop Logo Pub Store Club Garage Nightclub
★ Best Gift for Men
★ Perfect for Man Cave
★ Perfect for Pub, Bar, Restaurant, etc.
Brand Name: OHANEE
★ Perfect for Man Cave
★ Perfect for Pub, Bar, Restaurant, etc.
Brand Name: OHANEE
Average Life (hrs): 10000
Base Type: 2G11
Warranty: Delivery -1 year
Model Number: 14-36 inch
Application: Indoor
Beam Angle(°): 10
Luminous Flux: 2700
Features: Neon glass
Color Temperature: <2700K
Voltage: 110-240V
Certification: CCC
Certification: ce
Certification: UL
Item Type: Neon Bulbs
Color temp (k): 1000K
Trustpilot rating
★ $9.99 Shipping - United States (US, USA, U.S.)
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming & other territories
★ $9.99 Shipping - Canada (CA), United Kingdom (UK, U.K.), Australia
★ $9.99 Shipping - Russia, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Finland, France, Germany, Hungary, Italy, Ireland, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Saudi Arabia, Malta, Singapore, Japan, UAE
★ $9.99 Shipping - Other Countries
PaymentPayPal Payment Protection
Your Financial Information Safe!
PayPal helps keep your transactions secure by not sharing your full financial information with sellers.
All Payments are Processed by PayPal!
Neonsignusa.com not process your payment details! Employees of the company Asko Trade OU and Neonsignusa.com website: do not process, store, do not have access & never see your payment data!


text:
For WhyMommyFriday, January 28th, 2011
So, I'm a little behind the gang, but I've added the "No Princess Fights Alone" button to the sidebar, in honor of the incomparable Susan (WhyMommy) of Toddler Planet. Like many of the the others who posted this, I'll donate to Crickett's Answer for each comment on this post, say, by the end of February. Because even as Susan has learned that her cancer has recurred yet again, she's busy helping others.
It's not fair that she has to deal with this. But I was reminded today of Harlan Ellison's introduction to Angry Candy, where he quotes Norman Spinrad as saying at his lover's funeral "There is no justice inherent in the universe… except what we put there. All the justice that exists, is what we make. So let us show compassion and sense and courage, in Emily's name.'"
I'm also thinking of Susan today because it's the 25th anniversary of the Challenger disaster, and I love the passion with which she writes about her work for NASA and blogs about Women in Planetary Science. I wrote my college admissions essay about coming to terms with the fact that I wasn't actually going to be an astronaut, but I still have the Annie Leibovitz poster of Eileen Collins on my office wall.