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Today's retirees have many more options how to spend their golden years than any generation before them. Baby boomers, especially those who are well off, can satisfy their curiosity and adventurous spirit by exploring new business endeavors, continuing their education or traveling around the world. Some discover new passions and acquire new skills they never had time for while working.
One of those late pursuits that is rapidly gaining in popularity is gourmet dining, both at home and at restaurants. Interest in advanced cooking classes has never been greater, not to mention the high ratings for food shows and competitions between celebrity chefs on TV. The auditoria of culinary institutes around the world are filled with students in their sixties, seventies and beyond, eager to familiarize themselves with the latest trends and techniques in the world of haute cuisine.
Fine wining and dining has always been a prerogative of those who like (and can afford) to indulge in the better things life has to offer, but today it's a whole different ballgame. In an article for the New York Times (12/28/2011), Charles Isherwood, a food writer, describes his parents (both retired) as "foodies" for whom eating well has become their lives' mission. "My parents practically live to eat," he writes. "At home [they] eat out three or so times a week. But when they come to New York, we sample the city's restaurants in five-day, two-big-meals-a-day binges that have become something of a legend."
Of course, besides being tremendously pleasurable, fine dining also conveys an aura of culture and sophistication (not to mention exclusiveness due to oftentimes ridiculous pricing). However, many food lovers also seem to think that eating at the best restaurants or cooking with the most expensive ingredients automatically means their diet is healthy. But this is not necessarily true.
Gourmet chefs typically focus on taste and presentation. Calorie counts and fat contents are not their primary concern. The individual portions may look small compared to lower-end eateries with their "all-you-can-eat" value offers, but if you order three, four or more courses, you end up with a similarly large amount of food in your stomach.
You may say, well, it's only on rare occasions that you go all out like that. But what about eating out three times a day when you travel? What about a cruise where limitless access to great food is one of the perks?
The unfortunate truth is that as you get older and have more time and funds to indulge a little more than you used to, your metabolism begins to slow down. In fact, it slows down about 5% to 10% every decade or so, beginning in your mid-twenties. This means that the typical American loses between 20% and 40% of metabolic power over the course of his or her lifespan, according to Dr. John Berardi, best-selling author of "The Metabolism Advantage."
The reasons are easy to understand: Your metabolism converts calories into energy. When your calorie intake is higher than your energy expenditure, weight gain occurs. As you grow older, it becomes harder to maintain a healthy calorie-energy balance because your lifestyle probably becomes more sedentary and your physical activities get less strenuous. Another result is age-related muscle loss. Diminishing muscle mass means that fewer calories are being burned off and your metabolism slows down. While this is an inevitable, natural process, there are things you can do to prevent it from happening too fast.
The best way to counteract muscle loss is weight training. Lifting weights does not only add muscle, it also burns off calories even while you rest afterwards. Doing aerobics, of course, also helps with calorie burn. People who are said to have a faster metabolism are probably just more physically active all day.
Not surprisingly, adherence to healthy eating habits also matters more with age. Your calorie requirements may go down, but your need for high-quality nutrients remains the same throughout your life. Simple but nutrient-dense foods are the best choices for a healthy, age-appropriate diet – such as fresh fruits and vegetables rich in antioxidants, whole grains, fish, lean meats and low-fat dairy products.
So, before you try out your next culinary sensation downtown or at home, keep in mind that your health is too important to throw all caution to the wind, just because you can.
Timi Gustafson R.D. is a clinical dietitian and author of the book "The Healthy Diner – How to Eat Right and Still Have Fun"®, which is available on her blog, "Food and Health with Timi Gustafson R.D." (http://www.timigustafson.com), and at amazon.com. You can follow Timi on Twitter and on Facebook.


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Recommended Items
Hand & Wrist Support
Supports your hand and wrist in the correct position whilst providing soothing compression to ease the pain.
- Adjustable velcro straps for the perfect fit
- Helps to ease hand and wrist injuries such as wrist fractures,wrist sprains, repetitive strain injuries, carpal tunnel syndrome and rheumatoid arthritis
- Ventilated system ensure air is circualted around the support keeping your hand feeling fresh and preventing the build up of swweat and bacteria
- Orthotic compression boost blood flow to the hand and wrist boosting recovery
- Allows full finger movement making the support ideal for work activities
- Made to be lightweight and durable
- Absorbs shock and prevents further damage to injured wrists
- One size fits all
- Machine washable (Please note: metal frame must be removed first before washing)
- Made from nylon and cotton
- Comes with full 30 day money back guarantee
Hand & Wrist Support£9.99
Blue Height Increasing Heel Lifts
- Ergonomically designed to fit comfortable around your heel
- Increases your height by 1 inch
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- Cushions and supports your arches and heel for comfortable height gain
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- Orthaheel technology helps spread pressure under your heels.
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Neck Support Pillow Cushion For Travelling
Prevent neck strain and get more rest whilst traveling on trains, boats, and airplanes with this innovative neck pillow that is designed to support your entire neck and upper back whilst you sleep.
- Inflatable neck support cushion to help give you a more restful sleep.
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- Made from PVC and Flannelette.
- Pillow dimensions: 31*31*14cm.
- Eyepatch, travel bag and a pair of earplugs also included!
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Gel High Heel Insoles
- Make wearing high heels comfortable by wearing these great insoles designed just for high heel shoes!
- Helps to prevent foot pain when wearing high heels
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Gel High Heel Insoles£4.99
Natural Wax Earplugs
If you are trying to sleep, work, or just simply rest in a loud environment it can be incredibly hard and frustrating.
Do not let loud sounds and conversations put your hearing at risk! These natural wax earplugs have a noise reduction rating of 27 dB, making them perfect at stopping loud noises damaging your hearing.
Since these earplugs are made from natural wax, they will warm to your body's temperature allowing them to mold to the exact shape of your ear canal. The truth is, these earplugs are so comfortable to wear that you might even forget that you are wearing them!
- 8 pairs in a pack
- Made to reduce harmful noise and protect you from hearing loss
- Natural Wax can be molded to the shape of your ear for better comfort and fit
- Perfect for wearing whilst sleeping, working with load machinery, swimming or at a concert
- Store in a dry place below 25°C
- Store away from children
- Single use only
Natural Wax Earplugs£6.00
Foot arch support
Ease your foot or heel pain with a pair of these arch support insoles specially designed to correct how your feet function and prevent excessive pressure and strain from damaging your feet.
There are various reason as to why you might need extra arch support in your feet. You might want to ease the pressure of your arches, correct biomechanical imbalances in your feet or simply want extra comfort in your shoes. Whatever the reason these foot arch supports are a quick, easy and affordable way to give your feet more support!
Main features
- 1x pair foot arch supports
- Supports and cushions the arch of your foot protecting your foot from shock and strain.
- Can be worn with or without shoes.
- Super lightweight and doesnt bulk up your shoes.
- Corrects biomechanical imbalances such as over pronation and supination.
- Can be worn whilst cycling to prevent the pedals from digging into the arches of your feet.
- Ideal for treating and preventing plantar fasciitis and heels spurs.
- Spreads pressure and weight off your arches
- 30 day money back guarantee!
Foot arch support£7.99
Best Seller Items
Gel Bunion Pads
Have a bunion? Keep it protected and supported with a pair of bunion pads
- Stops your bunion from getting worse by supporting and correcting misalignment in your big toe joint
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- Discrete and made to feel as comfortable as possible to wear.
- One size fits all.
- Made from light weight silicone gel.
- 1x bunion pad per pack.
Gel Bunion Pads£1.50
Ankle support sleeve
Say goodbye to sprained ankles with these easy slip on ankle support sleeves.
- Made from 100% cotton
- Can be slipped on and off your ankle with ease.
- Ideal for sports, running and general day to day use.
- Helps ease arthritis pain using orthotic compression.
- Perfect for those who suffer from ankle instability by providing support and stability to the ankle.
- Soothes ankle pain and sprains through targeted compression and support on key areas on your ankle.
- Stabilizes and realigns your foot into the correct position helping to minimise stress and strain on fragile ligaments found in your foot and within the ankle.
- Prevents twisting and spraining of the ankle. This support helps to promote proper biomechanics of the ankle in turn helping you to avoid spraining or damaging the ankle through improper movement of the ankle.
- Great for injury recovery. If you have already injured your ankle this support can help to quicken your recovery by helping protect your ankle through absorbing shock which can further damage your ankle as well as support weakened muscles and ligaments.
- Made to help improve blood circulation around the foot thanks to its orthotic compression technology.
- Lightweight and breathable design helps to keep your feet feeling cool whilst wearing.
Ankle support sleeve£9.99
Runners Plantar Fasciitis Insoles
Keep your feet protected and feeling comfortable with a pair of these orthotic insoles!
- Provides optimal support where you need it the most!
- Specially designed for flat feet
- Helps to ease foot pain as well as protect against the onset of a wide range of different injuries including: Plantar Fasciitis, Shin splints, Ankle pain, Heel spurs, Morton's Neuroma, Aching Legs, knee and back pain.
- Makes plantar fasciitis a thing of the past! With in built arch support helping to correct improper biomechanics such as over pronation and under pronation of the feet whilst you walk, as well as reducing strain on your arches means you can go running without having to worry about plantar fasciitis.
- No more heel pain! With in built heel pad spreads the pressure from under your heels you will no longer have to worry about your heels being painful after being on your feet all day.
- Rebalances and stabilizes your feet eliminating muscles imbalances that can contribute to an injury.
- Made from Shock absorbing EVA material that makes sure no harmful shocks damage your feet nor damage other parts of your body including your knees or lower back.
Gel insoles for foot and knee pain
- One size fits all
- Made from silicone gel that actively adapts to the changing contours of your feet when walking and running, this provides your feet with a custom level of support and protection.
- Absorbs shock and helps to redistribute weight across your foot preventing pressure from building up underneath your foot and heels and causing damage. This makes these insoles perfect for standing in for long periods and avoiding foot and heel aches.
- Memory foam top layer for added comfort and support.
- Helps to support the arch of your foot in the most natural position possible to reduce excessive pronation, and get rid of tension and strain on the arch of your foot.
- Ideal for runners and athletes who want to avoid common foot and lower limb injuries such as plantar fasciitis, Achilles tendinitis, shin splints and knee tendinitis.
- Comes with a full 30 day money back guarantee!
Open patella adjustable knee support
Main features
- One size fits all
- Perfect for knee rehabilitation. Orthotic compression support helps to boost blood flow to the knee speeding up injury recovery.
- Helps to better Stabilize your knee and prevent re-injury by stopping movement that could damage the knee joint.
- Helps to prevent and treat a number of knee related injuries such as jumpers knee and runners knee.
- Made from lightweight and durable neoprene material.
- Breathable design means this support is perfect for wearing during exercise and sport
- Velcro adjustable straps helps you to achieve the support and fit that your knee requires quickly and easily.
- Machine washable
- Full 30 day money back guarantee
Orthotic insoles for heel pain by FootReviver™
- Orthotic motion control helps to correct the function and biomechanics of your feet to work more naturally to prevent strain and damage to your feet.
- Ideal for treating a number of foot injuries including Morton's neuroma, plantar fasciitis, metatarsalgia, heel spurs, Achilles tendinitis, shins splints, knee pain, knee tendinitis as well as hip and lower back pain.
- Suitable for people with high arches and flat feet.
- Rigid arch support helps to keep strain off the plantar fascia helping to prevent and treat a common cause of heel and foot pain called plantar fasciitis.
- Memory foam top layer helps to give your feet an extra layer of support and protection
- Lightweight and durable makes these insoles perfect for wearing whilst playing sports such as football or rugby.
- Inbuilt metatarsal pads helps to support your metatarsal bones protecting them against shock and strain.
- Features orthotic heel cup support designed to stabilize your heels giving you more balance an stability.
- Helps to support and reduce strain on the Achilles tendon makes these perfect for treating and preventing Achilles tendinitis.
- Absorbs shock and redistributes weight preventing damaging pressure and shock building up underneath your soles which could otherwise damage your feet.
- Breathable holes inserted onto the insole helps to better circulate air around your foot helping to keep your feet feeling fresh whilst wearing them.
38Products foundFilter
Open patella adjustable knee support
Main features
- One size fits all
- Perfect for knee rehabilitation. Orthotic compression support helps to boost blood flow to the knee speeding up injury recovery.
- Helps to better Stabilize your knee and prevent re-injury by stopping movement that could damage the knee joint.
- Helps to prevent and treat a number of knee related injuries such as jumpers knee and runners knee.
- Made from lightweight and durable neoprene material.
- Breathable design means this support is perfect for wearing during exercise and sport
- Velcro adjustable straps helps you to achieve the support and fit that your knee requires quickly and easily.
- Machine washable
- Full 30 day money back guarantee
Travel Pillow Cushion For Extra Support
This Ultra Comfortable travel Pillow is light weight, soft and will help to cushion and support your neck when sleeping. The Pillow is designed to shape to the contours of your head and neck providing you with extra support and comfort where you need it the most. Ideal for use when travelling by car, train, aircraft, or simply just for the home.
- Soft fleece ends
- Has a super smooth, soft, stretchy covering and is filled with thousands of tiny super-soft polystyrene micro-granules.
- Colour: Dark navy blue
knee support compression sleeve
Ease your knee pain with this lightweight and durable knee support.
- Specially designed with orthotic technology to help support and stabilize the knee joint and key ligaments found within the knee such as the anterior cruciate ligament (ACL) and the Posterior cruciate Ligament.
- Ideal for protection and prevention of a whole number of knee injuries including IT Band Injuries, fractures runners knee, knee tendinitis ACL and PCL injury, Meniscal Tears, Collateral Ligament Injury.
- Made from breathable neoprene helping to keep your knee feeling cool and sweat free during exercise.
- The support and compression this knee support provides helps to stabilize your knee and promote correct knee function.
- Helps to improve blood flow circulation around the knee area
- Easily adjust the Velcro straps to find the right support and compression that your knee requires.
- The non bulky and lightweight design means this knee support is great for wearing whilst running and doing exercise making it the perfect choice for any runner or athelete.
- Do not wear if you are allergic to neoprene.
- Hand wash with mild detergent. This knee support is not machine washable.
- 1X knee support is included per package
- One size fits all
90lb Resistance Bands (tubes) Set
Are you searching for something that can give you a lean and toned body, but doesn't cost a lot and is quick and easy to do? Then these resistance bands are just what you need!
These Resistance bands provide a speedy, easy and practical way for you to stay in shape.
It will no longer matter any more where you are for you to get a full body workout as these amazing portable and lightweight resistance bands will make it a whole lot easier for you to get a total-body workout. You will be able to use these resistance bands practically anywhere, whether you are at home, in the gym, the office or just on the go the possibility are endless!
These bands offer 90lb resistance and are great when incorporated into a cardio workout regime as these bands help to improve muscular strength and cardio endurance by targeting key muscles across your body.
Ergonomically designed with padded handles which help to give you a better grip to take your exercise to your limits. Unlike fixed weight exercise machines, resistance bands help you to exercise using full range of different movements which in turn helps to improve your overall flexibility as well as improve strength and stamina by training muscles would have otherwise get overlooked.
These high quality resistance bands are a must for any sport professionals, personal trainers or fitness enthusiasts on the go!
- You get 3x resistance bands
- Comes in colours Yellow Black and Blue
- 90LB resistance to give your body a proper workout!
- Padded handles for a more comfortable grip
- These resistance bands have been designed to help you to train your body helping you to build speed, agility, tone and muscle throughout your entire body.
- For the best results resistance training should be incorporated into a flexible workout and training program to really improve your overall health and fitness.
- Thanks to their compact and lightweight design these resistance bands can be take just about anywhere making them ideal for a quick an easy workout on the go, on vacation or even in the office!
- Resistance band exercises are widely used in the world of physiotherapy to help restrengthen injured muscles.
Pedi Spin – Electric Pedicure Hard Callus Skin Remover
The best express way to gettting rid of dry callus skin on your feet and keeping your feet in super smooth and soft is by using our ingenious pedi spin!
Why do we get hard dry callus skin on our feet?
Perfect for removing dry skin on feet. There are many causes to why dry hard skin may formon the soles of our feet, the most common causes are excessive pressure or friction to the soles of your feet as a result of either wearing shoes that are too loose shoes (creating friction when your feet move around inside your shoes) or that you are wearing shoes that are too tight (putting pressure on your soles).
Friction and pressure on the skin of our feet cause an excess of new skin cells to form in response to try to protect your feet, this new layer of skin can then build up over time and become hard and dry!
It is important to remove Calluses and dry skin on a regular basis! If the hard callus skin is not removed then the skin may start to crack and tear making your feet more susceptible to skin and fungal infections and inflammation as a result.
- Ergonomically designed to glide over your skin for quick express, easy and pain free use.
- Features fast and slow spin settings
- Battery powered. Requires 4x AA betteries to use.
- The Mechanical head files hard skin effortlessly meaning less force is needed that other conventional methods of removing hard skin such as using a foot file or manual rasp.
- The lightweight and compact design of this pedi means that you can easily take it anywhere you want.
- Leaves no mess. The pedi spin collects all skin fillings into a small container inside the pedi which you can then empty into a bin when you have finished using it.
- You do not have to be an expert to use it! The safety guard on the pedi spin ensures gentle and safe usage.
- This pedi spin can also be on not just your feet! The pedi spin can also be used to on the palms of your hands!
- Nothing to loose! If you are not 100% satisfied with the pedi spin then you can simply return it to us (with a note indicating who you ae so that we can issue a refund to you) within 30 days of receiving the pedi spin to receive a FULL refund with no questions asked!
Insoles for fallen arches
If you have fallen arches you may be suffering from heel and foot pain as a result. This is because those with this condition are more prone to overstretching and straining their feet. With a pair of these insoles inside your shoes, you can go about correcting this and easing your pain once and for all!
The best features:
- Designed with rigid arch support to support fallen arches and ease tension and pressure.
- Built with shock absorbing materials that help to stop shock from damaging your feet.
- Inbuilt metatarsal pads to combat metatarsalgia a common cause of ball of foot pain.
- Heel grips and heel cup help to support your heel, giving you more stability in your shoes and preventing your feet from moving around in your shoes.
- Breathable, lightweight and durable makes these a perfect fit for running shoes.
- Corrects the function and motion of your feet when you walk to make you walk and run more efficiently with less strain.
- The 30 day money back guarantee ensure you are never left out of pocket if you do not like your new pair of insoles!
Insoles for fallen arches£10.99
Gel insoles for foot and knee pain
- One size fits all
- Made from silicone gel that actively adapts to the changing contours of your feet when walking and running, this provides your feet with a custom level of support and protection.
- Absorbs shock and helps to redistribute weight across your foot preventing pressure from building up underneath your foot and heels and causing damage. This makes these insoles perfect for standing in for long periods and avoiding foot and heel aches.
- Memory foam top layer for added comfort and support.
- Helps to support the arch of your foot in the most natural position possible to reduce excessive pronation, and get rid of tension and strain on the arch of your foot.
- Ideal for runners and athletes who want to avoid common foot and lower limb injuries such as plantar fasciitis, Achilles tendinitis, shin splints and knee tendinitis.
- Comes with a full 30 day money back guarantee!
Arch support insoles for plantar fasciitis
- 1x pair arch support insoles perfect for easing and treating foot and heel pain
- Inbuilt arch support takes strain and pressure off your arch to prevent plantar fasciitis
- Repositions your foot in the correct position and stops functional and biomechanical imbalances such as over pronation and supination from occurring.
- Light weight and durable makes these insoles perfect for wearing whilst running or playing sports
- Ideal for those who have flat feet or high arches.
- Prevents and helps treats a range of different foot problems including plantar fasciitis, metatarsalgia, heel spurs, and Achilles tendinitis.
- Memory foam layer adapts to the exact shape your foot helping to give you a custom level of protection and support.
- Carbon fibre base protects your foot from shock
- Added heel cup helps to stop the build up of pressure underneath your heel by redistributing this pressure evenly and safely across your whole foot.
Orthotic Arch Support Insoles for arch pain
A pair of plantar fasciitis insoles help stop the underlining causes of your plantar fasciitis, helping you to get rid of it for good!
There are number of reasons why someone may develop plantar fasciitis.
The main causes are:
- Obesity causing extra weight to put pressure on the arches of your feet.
- You have started a new exercise routine or you have all of a sudden intensified your normal exercise routine.
- You have been on your feet for a number of hours.
- Suffer from rheumatoid arthritis or lupus.
- You wear high-heeled or ill fitting shoes.
- Your shoes do not have proper arch support.
- You have fallen or flat arches.
- You have abnormally high arches.
- Suffer from leg length discrepancies or an abnormal walk or foot position.
- A shortened and tight Achilles tendon can cause the the plantar fascia to also become tight increasing your risk of plantar fasciitis.
These insoles help to tackle these main causes of plantar fasciitis by:
- Supporting the arch of the foot better
- utilizes memory foam that moulds to the contours of you foot for superior comfort all day long
- Correcting the foots biomechanics such as improper pronation of the foot
- Absorbs shock to prevent damage to your foot and other joints in your body
- Relieves heel pain through spreading pressure evenly throughout your foot.
- Made from lightweight carbon fibre.
- Designed to be breathable to prevent odour and the build up of bacteria
- Fits all sizes, simply cut to the appropriate size using the guidelines on the insoles
Premium Sport Running Insoles
- Designed specially for sports and running.
- Robust arch support. Supports the arch of your feet and eases tension on the plantar fascia.
- Made from durable and lightweight EVA material with shock absorbing properties
- Anti-slip grips ensure that the insoles do not slip around in your shoes whilst you are wearing the insoles.
- Corrects biomechanical imbalances such as over pronation and under pronation.
- Helps to stabilizes unsteady and unstable ankles.
- Available in sizes 5-7 8-10.
Orthotic shoulder support
- 1X Orthotic shoulder support
- Can be worn on the left or right shoulder
- One size fits all (fits both men and women)
- Doesn't wreck your style! Discrete, lightweight and non bulky design means you can wear this support underneath your clothes without it wrecking your style.
- Improves shoulder function helping prevent injury or prevent further damage to the shoulder. Orthotic compression technology supports key areas and promotes correct shoulder function of the shoulder which in turn reduces tension and strain on the shoulder.
- Restores stability as well as reduce stiffness in the shoulder
A large number of shoulder injuries are caused by either a muscular or biomechanical imbalance in the shoulder causing excessive tension and strain on the shoulder however this support actively corrects these imbalances.
- Eases shoulder pain and injuries such as rotator cuff tendonitis, Bursitis and Myositis
- Compression technology helps to better circulate blood around your shoulder aiding injury recovery.
Orthotic shoulder support£10.00
Magnetic Lower Back Support
- This magnetic lower back support helps to ease lower back pain and help to better support your lower back after injury.
- Ergonomically designed to be as discreet and lightweight as possible.
- Promotes correct posture! This support belt will help to prevent you from slouching and help to improve your posture by supporting key muscles areas in your lower back.
- Magnets found within the support belt will help to increase blood flow to targeted areas on your lower back which will help to ease back pain as a result.
- Easily adjustable side straps enable you to adjust the support to your own preference.
- This support belt is also ideal for sport and exercise. This support belt will help you to maintain good form whilst exercising and in doing so will reduce strain, tension and the possibility of injury to your lower back.
- The breathable design helps to circulate air around your lower back keeping you feeling cool whilst wearing the belt.
Magnetic Lower Back Support£10.00


text:
Hussain Mohammad Al Meeza is serious when he talks about the state of the local insurance industry and its many practitioners. What he talks about are issues — premiums that have touched a historical low, the intense competition among the 50-odd players, the need for consolidation, and other things — that the industry has been grappling with for some time now. And, unfortunately, without even the barest hint of a solution in sight. That shouldn't faze Al Meeza from repeating his message that something needs to be done — now — to fix the situation.
The managing director and CEO of Aman (Dubai Islamic Insurance and Reinsurance Co.) offers a snapshot of where the problems lie and what could be done, in an interview with Gulf News.
Gulf News: There is a feeling that the last quarter of the year could turn out to be an intensely tough one. Do you share the sentiment?
Hussain Mohammad Al Meeza: While we can always hope for the best, that does not mean the industry should stop being realistic where it is right now. New premium generation has been very slow in all the sectors; no longer is it limited to one or two sectors. Clients are getting attracted by the "new" rates that are available in the market. When I say "new", it means a lot. Even as the CEO of one of the leading Takaful companies, I do not have any explanation as to how and why the rates are so low. At these rates there is no way to cover even the operating costs, forget profitability.
Gulf News: What sort of message can you then pass on to the shareholders? Is there pressure on Aman to be equally competitive on the rates charged?
Hussain: Definitely, they recognise and appreciate how we operate, especially after the financial crisis. I will also chase clients on rates to try and retain them — otherwise it will mean closing the door and exiting the market. But at least I keep our rates at levels that are still stable. We have won awards from the government for what we have achieved and the quality of the service; going cheap would mean being unable to maintain or even improve on that. For the short-vision people, these are good times. But in the long run, it will hit them badly.
Gulf News: You have in the past spoken strongly in favour of some consolidation in the industry. But unlike in the banking sector, there isn't any move on the part of the insurers. Do you think the industry requires more time?
Hussain: Whether to consolidate or to go for an acquisition or a joint venture, it eventually depends on the shareholders. Except for two insurers, all the other local entities are listed on the stock markets and the decision to merge or consolidate has to come from the shareholders rather than imposed. In terms of capital requirements, size, the risk profile, and particularly since the financial crisis, it is a good time to look at working together. In many cases, at least to survive.
In the banking space, there was the Emirates NBD merger and then there were the changes brought about at Tamweel and Amlak. And even today you still keep hearing rumours about possible other ones in the banking industry, but none in insurance.
Gulf News: Do you believe that any future consolidation will take the form of regional insurers tying up with some of the smaller local entities?
Hussain: I think across the region people do no have the appetite any more to come to new markets and seek JVs. I agree that Saudi insurers are cash-rich, but their own market is huge and I don't think they are that keen to seek joint ventures here. The Saudi economy with all the new projects will keep them busy for some time to come. Also more insurance companies are being formed. Moreover, it's only in the last three or four years that Saudi Arabia's insurance sector has been showing this kind of potential.
Unfortunately, it's not the case here. Do we really need new companies? We have nearly 60 insurers, including Takaful ones. I will leave that question to the regulator. When Aman was launched in 2002, there was just one other Takaful company in operation. Today there are eight or nine providers. We are all of seven years, and others came much after us, even as recently as two years ago. If anyone takes a hit, be they small or large, it will have an impact on the sector as a whole. The smaller capitalised companies will need to watch out and the insurance industry as a whole will need to be on the alert.
Gulf News: On its own, Aman had a decent couple of years results wise in a soft marketplace. What explains the results? Do you need to call in additional capital?
Hussain: We have been conservative in the way we have gone about developing the business and, I can't help saying it, we have worked hard at it. We are running positive in all our lines. We were among the pioneers in medical insurance, having had one since day one of the launch. We are very active in bancassurance with more than eight banks. I don't think we need additional capital. We are now at Dh240 million. Then again, I don't think anyone wants to increase the capital at this moment. There is no appetite for new investments because of the state of the financial and stock markets.
Gulf News: What of your plans to expand regionally?
Hussain: We had a lot of plans leading up to the financial crisis. Now, everybody is aware of what is happening on the political front at the regional level and it would be extremely difficult to evaluate what will happen next. We have placed everything on hold. And given the level of competition locally, it's best to channel all energies here itself to look after the base.
source: Gulf News
6/24/2012 07:06:13 pm
Here the blog gives us information about insurance .Hussain Mohammad Al Meeza is serious when he talks about the state of the local insurance industry and its many practitioners.
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Rare Editions 2-Pc.Net Tunic & Leggings Set, Baby Girls (0-24 months)
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No more stinky fingers!
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Kitchen bar
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OMG - love this soap
From Kathy of Banner Elk, North Carolina on 10/30/2013.
From Anonymous of Raleigh, North Carolina on 3/26/2013.
3/3/2018 – Do you have soaps without coconut oil? I have an allergy to it.
Response From MoonDance Soaps & More: Thank you for taking the time to write to us with your concerns about coconut oil. Every single bar of soap we make, contains coconut oil. It's a fabulous oil for soap makers that provides a beautiful dense, thick lather. That said, I really don't think you would have any type of reaction to the soap. The process of soap making combines the oils with sodium hydroxide and the resultant product of the chemical reaction is a salt that we like to call soap. It is the plant alkaloids that normally cause immune reactions (allergies), and these compounds are destroyed during the chemical reaction in the strong hydrolysis that makes the soap. While each allergy is "unique" to the person who has it, the best and safest test is to try a very small amount on the back of a hand. If you develop any rash, then discontinue using the soap. But remember, there is virtually no chance that a reaction will result -- the allergy causing compounds simply can't survive the process. As an aside, it's an interesting comment on the soap making industry that the FDA does not require soap manufacturers to list our ingredients at all. I do so because I am very proud of the premium natural ingredients that I use. I'm happy to hear that you read the packaging. Unfortunately, not many people do.
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YOU ARE WATCHING: Elena Of Avalor: Season 3
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Elena Of Avalor: Season 3
Princess Elena has saved her magical kingdom, Avalor, from an evil sorceress and must learn to rule as its crown princess. Elena's adventures will lead her to understand that her new role requires thoughtfulness, resilience and compassion.
Genres: Animation, Adventure, Family, Fantasy, Musical
Actor: Aimee Carrero, Jillian Rose Reed, Joseph Haro, Julia Vera
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Debt Management Center
Financial Status Report
There are two options (Portable Document File or Fillable Form) to complete the Financial Status Report Form. Adobe Acrobat Reader is required to complete the Financial Status Report in either format.
Refer to our Financial Status Report or Most Frequently Asked Questions and contact us directly at 1-800-827-0648 for more information. International callers may contact us directly at 1-612-713-6415.
Be sure to read the special instructions, below, before completing either form.
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U.S. Department of Veterans Affairs
Debt Management Center
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In Hear This, A.V. Club writers sing the praises of songs they know well—some inspired by a weekly theme and some not, but always songs worth hearing.
I'm convinced that, should I suffer the misfortune of dementia or Alzheimer's late in my life, I'll spend my days babbling about obscure punk bands from the '80s and '90s. ("Oh that's Mr. Ryan. Just put him in a corner and play this album by an old band called 'Face To Face.'") Case in point: As I left the el the other day, I inexplicably got the leadoff track from Schleprock's 1994 debut stuck in my head. I haven't thought about the band in years, but I used to rock Propeller all the time. I will always have a soft spot in my heart for poppy, melodic punk, and Schleprock did it well back then: big, hooky guitars; catchy choruses; slightly angsty lyrics. Hearing it again, I might as well be back in Wolpers Hall at the University Of Missouri. Schleprock took a wrong turn toward generic, ska-influenced rock on the major-label album that followed Propeller, but I still have a lot of fondness for this song.


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SNU offers on-campus accommodation to most of the foreign students who are in degree programs or exchange programs.
Gwanak-sa single room for graduate students
The main campus in Gwanak has a huge dormitory complex named Gwanak-sa near the back gate of the campus which can house about 5,000 people.
Gwanak-sa Undergraduate House has 1,215 of double rooms only for double occupancy. It is housing 1,063 female and 1,366 male undergraduate students.
Gwanak-sa Graduate House has 545 single rooms and 901 double rooms for 2,347 graduate students.
Indoor gymnasium at Gwanak-sa
Gwanak-sa Family House is 200 units of two room apartments for married graduate students who want to live with their family.
The Gwanak-sa Houses are all furniture and open 24 hours. (No curfew.) It has its own cafeterias which can host most of the dorm students. It also has subsidiary facilities such as indoor gymnasium, concert hall, and laundry rooms, etc.
For more information or application for Gwanak-sa, please visit the website http://dorm.snu.ac.kr/eng
While Gwanak-sa is for both international and local students, BK International House is only for international researchers and faculty members. It has 316 of one-bedroom units and 74 of two-bedrooms. Each unit is furnished with a kitchen, bathroom, bed, desk, wardrobe, refrigerator, gas stove, and air-conditioner.
Wangyong-sa and Hamchoon-sa, are for students of College of Medicine, which houses about 160 students.
Hamchoon-sa is for third- and fourth-year students of College of Nursing.
Wangyong-sa, Chongyong-sa Administrative Office: 82-2-740-8056~8
Hamchoon-sa, College of Nursing Administrative Office: 82-2-740-8847
Dongsung-dong International House is only for international students in Yeongeon Campus. It has 11 single rooms, 15 double rooms, and 7 family rooms.
International House Administrative Office: 82-2-880-8499


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Dark Chocolate Raspberry Breakfast Muffins (Adapted from King Arthur BC)
2/3 cup Dutch-process cocoa
1 cup all-purpose flour
3/4 cup whole wheat pastry flour
1 1/4 cups light brown sugar
1 teaspoon baking powder
1 teaspoon baking soda
3/4 teaspoon salt
1 cup dark chocolate raspberry filled chunks
2 eggs
1 cup milk
2 teaspoons vanilla
2 teaspoons vinegar
8 tablespoons butter, melted
Preheat oven to 425
In a large bowl, whisk together cocoa, both flours, sugar, baking powder, baking soda, salt and raspberry filled chocolate chunks.
In a medium bowl, whisk together eggs, milk, vanilla and vinegar. Add this mixture into the dry ingredients. Pour in the melted butter. Using a wooden spoon, stir this together just until combined.
Evenly divide batter between 12 muffin cups lightly coated with cooking spray.
Bake for 15 to 20 minutes, or until a toothpick placed in the center comes out clean or with a few moist crumbs attached. Remove and place pan on a wire rack for 5 minutes. Remove the muffins from the pan and let cool completely.
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Tuesday, June 07, 2005
Dark Chocolate Raspberry Breakfast Muffins
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Searching for The Ideal Job? These Five Tips Will Help You!
If you are in search of the ideal job but you are not sure where to start, put the following five tips into action and you will have a less stressful or more successful job search!
Build a Strong Professional Network
Building a strong network can open doors or lead to job openings for you.
While doing that, don't overlook adding family and friends to your network either!
Interacting with your network on a regular basis encourages them to keep you in mind when a position becomes open at their place-of-work.


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Tours and Group Visits
Docents are available to guide tours for visitors who drop in during the Center's
open hours. Visitors are also welcome to view the exhibits on their own.
For groups larger than 10 people, please contact the Center at (408) 808-2058 in advance of your visit to confirm that staff will be available to assist you.
The Center's staff also conducts tours and demonstrations of the historical keyboard instruments by advance arrangement for school groups, college courses, and other organizations. These tours generally last an hour to 90 minutes, including time for attendees to view the exhibits. Bookings for these tours should be made at least two weeks in advance. Although there is no fee for these tours, we request donations to help us keep the instruments in tune. The recommended donation is $100 per group.


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Grown Azz Man's Reaction To Last 3 Minutes Of WWE's The Rock Vs John Cena Match!
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This Memorial Day, let's take time to remember that the freedoms we all enjoy came at a great price. Let us remember the sacrifices our armed forces personnel have made for each and every one of us. May we celebrate the many brave patriots who answered our nation's call of duty to protect our lives at the cost of their own.
Memorial Day gives us the chance to stand together, give thanks and pay tribute to the heroic servicemen and servicewomen who made the ultimate sacrifice in defense of our freedom.
First known as Decoration Day, this solemn observance began shortly after the Civil War as citizens honored fallen soldiers with flowers on their graves. Later, this annual tradition of remembrance was renamed Memorial Day.
Since our nation's founding, more than 1 million men and women have given their lives in service to our country. That's why it is so important to preserve the 'memorial' in Memorial Day by honoring those who have died in the cause of freedom. There are many ways to commemorate their sacrifice, including:
n Attending a local ceremony or parade. I will be paying tribute to service personnel at several Memorial Day events planned in my district.
n Viewing the annual Michigan Senate Memorial Day service. This special event honors Michigan residents killed in action over the previous 12 months. Live streaming of the ceremony is available online at www.senate.michigan.gov. The event will be held Thursday, May 23, beginning at 10 a.m.
n Observing the National Moment of Remembrance. This observance asks Americans to pause in their daily activities at 3 p.m. local time on Memorial Day to honor those who laid down their lives.
n Flying your flag at home or the office at half-staff from sunrise to noon.
Let's take the time to remember our country's fallen soldiers on this special day and make sure their legacy of sacrifice and service is never taken for granted or forgotten.
Senator Mike Kowall, R-White Lake, is the chair of the Senate Economic Development Committee. He serves the residents of the 15th Senate District, representing western Oakland County.


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Dream team: It's not always easy for the experts...
From last minute cancellations to hairy situations to blood-covered grooms, these tales from the trenches show that even the wedding experts sometimes have to (literally) roll with the punches– or kicks, as the case may be.
Takes the cake
Riki Tanabe
Albemarle Baking Company
What do you do when you've called the wedding off, but the cake's already been made? Albemarle Baking Company found out the answer: Parrrrrty!
"We tried to deliver a cake to a wedding and found out the wedding had been cancelled," Tanabe recalls. "They had cancelled with everybody else– except us and the band. The band wouldn't refund the money, so the couple insisted that they come to play on their lawn for some friends. The couple had us bring the cake to feed people. We felt bad, so we didn't charge them for the cake."
The ring-er
Harlan & McGuire
Biff McGuire and Pat Harlan
"A guy came in to buy his engagement ring," recalls Biff, who, with his wife Pat, has owned Harlan McGuire since 1974. "Having said yes, the girl came back to have it sized. While she was dropping it off for sizing, Pat mentioned that our manager had left, and we had an opening. An hour later, the girl came back and said, 'I'm interested in that job.' She quit her job of three or four years, and was hired."
That girl is actually a woman, Kimberly Ogden, who had previously worked as a guidance counselor.
"It's something I've wanted to do since I was a little girl," Ogden says of getting into the jewelry biz.
Her dream is bigger than just management, it turns out.
"Her long-term goal is to own this business," says Pat, "and that's what we're working toward. It's one of those amazing things that's meant to be."
Hank Wells
Sam Hill
"We book bands for weddings, but sometimes they're too good, and the wedding gets out of control," laughs Wells, who owns Sam Hill Bands, a local company that booked bands for 300 weddings last year. Such was the case at one recent wedding.
"We booked Doug Clark and the Hot Nuts. They went to school down south; they're like a legendary Animal House-style soul band, a Motown Band," says Wells. "This party was off the hook, everyone was having a great time, and then the groom decided he was going to do 'the worm,' a break-dancing move that involves dropping to one's stomach and undulating across the floor.
"When he dropped down to do it," says Wells, "he got kicked in the face by a groomsman really badly– bloody, stitches. He and his new wife ended up spending the night in the emergency room. You couldn't write something like that."
Hair raising
Frederick Ayers
Hair at Kismet
"I'd never met this bride before," says Ayers, recalling one hair-raising trip south to Lexington for a wedding. At first, he recalls, the bride wanted something simple, so he pulled it into a low chignon.
"No, no, that's too severe," she said, "that's not going to do." So Ayers did something a bit more complicated– "a swirly, taffy-ribboning effect French twist." That, he says, was "too modern" for her. Next, she suggested putting up the hair in front and curling it and leaving the hair down in back. "Is it just going to fall by the end of the night?" she asked. "Probably," Ayers told her.
"I ended up having to give her a headful of Shirley Temple curls," laughs Ayers. "It looked horrible, but she liked it and was happy on her wedding day. What do you do? I couldn't just leave..."
Ayers advice: Always have a consultation and a trial run to avoid having a bad hair day on your big day.
Picture this
Jim Carpenter
Gitchell's Studio
"Weddings will never, ever go through with smooth sailing," laughs Jim Carpenter, who's been taking wedding photos for 17 years.
Carpenter says one wedding in particular stands out– a wedding "that was never to be had." He arrived, camera in hand, at 9:30am to take pictures of the family, and immediately got a bad feeling.
"The florist gave the mother of the groom flowers, and the mother threw them against a wall and shattered them," says Carpenter. "The florist picked up the bouquet and quietly explained, 'This is what your daughter-in law ordered,'" Carpenter recalls. "The mother told the florist, "I'm from the north, and we're not used to those little things.'"
For hours the groom was a no-show, but 10 minutes before the ceremony, Carpenter found him in the library with the pastor, who called the situation, "the worst case of cold feet I've ever seen."
Eventually, both the bride and groom made it to the altar, but halfway through his vows, the groom announced, "I'm sorry, I cannot go through with this."
The pastor walked the unmarried couple back down the aisle, then returned a while later.
"This couple is in love," the pastor reported, "but there's not going to be a wedding today."
Carpenter says the food and cake were donated to the Salvation Army, but the couple had another surprise.
"They ended up getting to a marriage counselor who married them that night," says Carpenter. "They came back in the spring to have pictures."
Best laid plans
Sheila Motley
The Event Company
As an event planner, Sheila Motley always prepares for the unexpected, but one outdoor wedding went to the dogs– well, one dog, anyway.
The couple had decided to include their cuddly canine in their ceremony, which took place under a group of towering 100-year-old oaks.
As the ceremony began, says Motley, "the dog was being beautifully behaved and drawing the attention and admiration of all the wedding guests."
But all good things must come to an end....
"Something we had not considered as a possibility were the squirrels who make their homes in such oak trees," Motley recalls. "The dog began chasing each squirrel from tree to tree which included running down aisles made by the ceremony chairs and around all of the guests. It was quite a game of chase."
Fortunately, the guests were good-natured about the commotion.
"The dog became the hit of the event," says Motley, "putting a smile on everyone's faces! It was one of those adorable and touching instances that make a wedding so memorable."


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Oaks Lighting OT 2612 WB Butterfly
Oaks Lighting Butterfly single light wall fitting features a beautiful Tiffany glass shade with an amber background and red and green detail. A time-honoured design which would be the perfect addition to a classic home.
The product code for this Oaks wall fitting is OT 2612 WB.
This colourful fitting would be a creative addition to any suitable room, the genuine hand made stained Tiffany glass has red and cream hues and provides an Art Deco style feel.
Height adjustable at point of installation.
As with all handcrafted Tiffany style items small variations in colour and texture may be present. These are a natural part of the manufacturing process and serve to add individuality to each item.
There are 3 table lamps. a pendant, and an uplighter in this beautiful range.
Size : Height 16cm Width 34cm Projection: 17cm
Wattage : 1 x 60w or 6w LED
Socket : BC/B22 push in
Castlegate Lights Ltd will normally deliver your order within 3 to 5 working days. All orders placed before 1.00pm on items in stock will be delivered next working day.
UK Returns
If you decide to cancel and return the goods, then you should put this in writing, either by letter (proof of posting or recorded delivery is advisable) or you can fax or email. A telephone call is not sufficient.
We accept unused and unfitted correctly boxed returns for exchange or refund within 30 days. To define correctly boxed: this means the product should be correctly repacked in it's own product box and then safely protected and packed in another outer box for shipping. Do not send products back in only their product box only as this will lead to damages happening in transit and refunds not being issued for returned damaged goods. Any such damages should be taken up with your return courier.
Faulty returns must be sent back for inspection using our correct postal address (as below). If found to have a manufacturing defect you will be offered a refund or exchange. Goods must be adequately sealed in all the original packaging, including the outer. Please note that Royal Mail may reject any package that is not adequately wrapped. All information regarding your purchase was sent to the email address you supplied whilst placing your order. If using any address label please attach securely to the package. Please ensure you ask for a certificate of posting from the Post Office as proof you have sent the package. (The Post Office do not charge for issuing these certificates)
Please note that all orders for spare parts are non-refundable and non-returnable.
Payment can be made online by any credit or debit card, Paypal, or by Google Checkout.
Our site uses the latest 128 bit SSL security, complying with and exceeding all necessary security requirements to protect your details. We do not store any sensitive information (card number, etc).
SSL encrypts your order online to avoid any decoding of that information of anyone other than the necessary processing parties. To check the security of your connection, look at the status bar of your browser window after accessing the server. If you see an unbroken key or a closed lock then, depending upon your browser, SSL is active. You can also double check by looking at the URL line of your browser - while accessing a secure server the first characters of the address will change from HTTP to HTTPS.


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So somehow I ended up moving to the fertility capital of the universe. No one told me this was the case when I was looking around. This was not a point included in my realtor's tour of my new town. But shortly after arriving, I looked around and realized that everyone -- my husband thinks this is an exaggeration but it is not, it is literally everyone -- has at least two kids with one on the way. Having four children here is not unusual. And no, I did not move to Utah. As you likely surmised from my last post, I have moved to the suburb of a -- perhaps the -- major metropolitan area of the country.
If this quest for number two is ultimately a failure and I remain a parent to one, I will rock it, don't worry. I'll take the money I would have spent on diapers, buy a Birkin bag and send around a birth announcement about my new baby that doesn't cry, poop or keep me up at night. But for now, now that I'm still trying to take down secondary infertility with everything I've got, it makes me feel like a bit of an outlier. I'm new to town, and I've got this baggage, this thing that may ultimately make me different from most everyone else here. It makes me feel, for the moment, just a little bit more alone.
The other day I met some very nice moms on the playground. As we were chatting, a nanny came over with her charge and as soon as she said her name, this mom chimed in and started asking her about it. The mom said that her sister has been telling her to use it if she ever has another girl. It's a relatively unusual name that you don't hear often, and it happens to be my girl's name. So much so that my husband and I use it in casual conversation to refer to a future child that may live in our house. As in, that would be __________'s room. In this conversation about the name, the woman went so far as to use the actual nickname we were planning to use, saying her sister wanted her to use that too. It was sort of like watching a horror movie that you somehow can't put on pause. I wanted to jump in and say that's my girl's name too! But for obvious reasons I did not. Because it would have made me look weird, because I may never have another child, girl or otherwise, because it was too painful to even hope that someday I may actually have the problem of having a girl, selecting this name, bumping into this woman and looking like a shameless copycat. So I stayed silent.
My husband doesn't get why this bothers me so much. He thinks it's ridiculous that I would even worry about using the name, even if I end up running in the same circle as this mom, which is unlikely since our existing children are different ages and what is the likelihood that I will have another child that happens to be the same age as the children this woman will obviously be having, most likely without difficulty or complication?
I'll tell you why it bothers me. Because I have a funny feeling that in a couple of years, when I'm running around town with my Etoupe Birkin bag anchored on my arm, I'll hear this woman calling after her newest charge, calling out the name I so wanted to use too, and it will sear my chest like an arrow. I'm bracing myself right now.
Friday, August 9, 2013
What's in a Name
So somehow I ended up moving to the fertility capital of the universe. No one told me this was the case when I was looking around. This was not a point included in my realtor's tour of my new town. But shortly after arriving, I looked around and realized that everyone -- my husband thinks this is an exaggeration but it is not, it is literally everyone -- has at least two kids with one on the way. Having four children here is not unusual. And no, I did not move to Utah. As you likely surmised from my last post, I have moved to the suburb of a -- perhaps the -- major metropolitan area of the country.
Posted by Good Egg Hatched at 6:16 AM 3 comments Links to this post
Monday, August 5, 2013
Good RE Hunting
I decided over the weekend to get a second opinion here. I like the new doctor we've seen, but I just wonder if I'm more of an academic medical center kind of girl.
If anyone out there knows anything about NYU's program and its physicians, please email me at firstname.lastname@example.com.
Posted by Good Egg Hatched at 5:39 AM 0 comments Links to this post
Friday, August 2, 2013
Keeping the Dream Alive
I want this space to be about more than my continued battle with infertility and loss. I want it to be about playing in the sand with my H, and how sweet three is, how good it is to wake up every day and know I'm his mom. Because that's what my life is like, too.
But when you struggle to conceive and deliver, and you dare to wish for more than one child, there's this background noise of that struggle that won't be ignored.
I thought I was going for a routine saline sonogram today with my new RE, to make sure there was no scarring from the May D&C. I thought it would be straightforward, even if there was a small amount of scarring. But the truth is, and I never, ever say this, you know I'm a worst-case-scenario girl, I thought it would be totally clean and we'd be ordering IVF meds today. Instead, you know what was there? A new fibroid. In the cavity. That he wants to remove in the OR.
So let's review the deck stacked against our heroine at this point:
-PCOS/unexplained infertility
-Recurrent/unexplained loss
-Slightly hypothyroid
-And today, a bonus fibroid
I have a history of a few fibroids that until now, did not excite anyone. They were out of the way, and even as recently as in March when my longtime RE did a hysteroscopy, there was nothing inside the cavity. So of course I'm totally weirded out by this whole thing (where did it come from? did it move? how did it just spring up out of nowhere?) and since I hardly know this new RE and had years of trust built up with the one that got us H, I reached out to her. She was so lovely to call me and talk about it and look at today's images, which I emailed her. And then I asked her if she could do the procedure, and she basically told me it's time to cut the cord.
I know she's right. But sometimes I don't like the sound of the truth. I heard a lot of that kind today.
So where are we? Hell if I know. I'll tell you what it feels like: It feels like someone is trying to tell me something.
All I know is it's hard to keep on dreaming when the facts keep whispering to you that the dream is over.
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What is it about discussion forums?
I'm a member of a discussion forum with reasonably intelligent people.
Why is it that most discussions there tend to be characterised by someone stating their opinion, someone else disagreeing (frequently vehemently) and stating their opinion and all the first person does is re-state their opinion?
There is far too little proper, rational, reasoned, respectful discussion where evidence is given in support of a position, views of others considered, focussing on the substance of the argument, perhaps some research done and preparedness to shift an opinion in the face of evidence.
It currently just seems to put people on the defensive, puts backs up and frequently doesn't take us forward.


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Jewish World ReviewDec. 1, 2000 / 5 Kislev, 5761
James K. Glassman
http://www.jewishworldreview.com --
The Dow Jones Industrial Average since election eve has lost nearly 5 percent its value through Friday. The technology heavy Nasdaq has slumped more than 15 percent. That election news is playing a major role is demonstrated by what happened last Wednesday.
Both indexes dived more than 100 points in morning trading the day after the Florida Supreme Court extended the time of the recounts of punch card ballots until Sunday.
Then immediately after Miami-Dade County, the largest of the three predominantly Democratic counties conducting recounts, decided to halt, both markets recovered nearly all of their losses.
Coincidence? Not likely. For then when the news came out that a judge ruled dimpled ballots would be counted in Palm Beach County, they markets swooned again.
On Friday, stocks rebounded a little on bargain hunting. Even after that bounce, the Dow was down 8 percent for the year and the Nasdaq 30 percent. They have a difficult climb if they are not to end the year down, something that hasn't happened since 1990, which presaged a recession the following year.
Indeed, Richard Berner, chief U.S. economist at Morgan Stanley Dean Witter, last week warned: "Over the past few weeks, the risks of a hard landing have probably increased. The dynamics of what's happening pretty much assure that we'll be in a period of slower growth for a while."
Of course, the markets and economy aren't merely responding to election news. Earnings reports, oil prices and problems in the Middle East have taken their toll.
But the markets have demonstrated particular concern over the possible election of Vice President Al Gore. As I've noted earlier, the market averages fell most during the election campaign when he was showing the greatest gains and rebounded when it appeared he was falling back.
Why? After all, the economic boom of the 1990s took place for the most part under a Democratic administration of which he was a part.
One reason may be that the administration receives very little credit for the economy's vibrancy. As Bob Woodward has noted in his new book, Maestro, about Federal Reserve Chairman Alan Greenspan, economic growth in great part came about not because of anything the administration did, but rather what it didn't do. It couldn't enact a foolhardy fiscal stimulus package in its first year, nor did it get a massive federal health care plan passed in the second.
That's an overly simplified view. The administration did conclude the North American Free Trade Agreement and a new world trade pact. It helped negotiate the Telecommunications Act of 1996 that created a road map for deregulation in that area. It also signed on to welfare reform and reductions in capital gains taxes.
But mostly, the administration stayed out of the way, especially of the New Economy being spurred by digital technology and the Internet. Until recently.
This year, antitrust zealots in the Justice Department won a court decisions to break up Microsoft. The success of their venture has encouraged European regulators to pursue their own controls on the software giant. The Federal Trade Commission, meanwhile, continues to hold up the merger of AOL and cable giant Time Warner. It wants to force the cable lines opened to other Internet Service Providers. The Federal Communications Commission is reviewing its hands off approach on that issue, even though doing so could stifle competition in deployment of high-speed Internet access.
These and other regulatory measures threaten to create what I have called a regulatory recession. They raise new uncertainty for business and investors, whose financing has spurred the technological innovation underlying the long economic boom.
How George W. Bush, if he withstands Gore's legal assault on his election, will deal with all these issues is problematic. Thanks to the divisive end of this election, Bush will find it difficult to enact any tax cut to boost growth. Indeed, Bob Dole has said to heal divisions he may have to pursue a prescription drug program first. All of which may explain why the Nasdaq got no bounce Monday from Florida's Sunday certification of a Bush victory there.
Gore, though, suffers more because he is seen as favoring regulation. His legal spokesman in the Florida recount fight is none other than David Boies, who was the lead trial attorney in the Justice Department's case to break up Microsoft. Gore also was the negotiator of the Kyoto protocol on climate change, which as written would require cutbacks in energy use needed to run the New Economy. And during the campaign he promised to fight oil companies, pharmaceutical firms and other business as dangerous special interests.
If somehow he succeeds in overturning Bush's election, Gore will have to move boldly to assure the markets he isn't as anti-business as his rhetoric makes him seem.
In the meantime, it is little wonder that the markets appear jittery.
Uncertainty before an election is one thing, but continued lack of direction
after the vote is completed could be the final straw to tip an already
slowing economy into
11/29/00: Climate Treaty Deadlock Shows Lack of Consensus and Common Sense


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Dumpling appetizers recalled over shellfish, fish allergies
PF Chang's Pork and Leek Dumplings recalled
ConAgra Foods is recalling dumpling appetizers because of an undeclared shellfish or fish in the product.
PF Chang's Pork and Leek Dumplings are being recalled, but are safe to eat for people who do not suffer from a crustacean shellfish or fish allergy. The product could have shrimp or Pollock that are not listed on the ingredient label.
The 12.5-ounce packages are marked with UPC 3620021215, with use by dates of MAY082014 and MAY092014.
Symptoms of food allergies typically appear from within a few minutes to two hours after a person has eaten the food to which he or she is allergic. Allergic reactions can include hives; flushed skin or rash; tingling or itchy sensation in the mouth; face, tongue, or lip swelling; vomiting and/or diarrhea; abdominal cramps; coughing or wheezing; dizziness and/or lightheadedness; swelling of the throat and vocal cords; difficulty breathing; loss of consciousness.
For more information, call ConAgra at 800-282-8070.


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Albuquerque Police Target of US Justice Dept. Probe for Excessive Force, Including Deaths
Albuquerque Police Target of US Justice Dept. Probe
The U.S. Justice Department plans a thorough investigation of the Albuquerque Police Department after a string of officer-involved shootings and a number of high-profile abuse cases alleging the use of excessive and deadly force.
Tuesday's announcement, first reported by the Albuquerque Journal, comes months after the police department in New Mexico's biggest city was the target of protests, lawsuits and demands for wide-scale agency overhaul from civil rights advocates amid 25 officer-involved shootings - 17 of them fatal - since 2010.
In addition, the Albuquerque Police Department has been plagued in recent months by a number of high-profile cases alleging excessive force by officers, including some cases caught on video.
One video showed officers giving each other celebratory "belly bumps" after beating a suspected car thief in a parking garage. Another clip showed an officer illegally entering an apartment and using a stun gun on one suspect, then punching another suspect after he had surrendered.
The department also was forced to change its social media policy involving officers after a detective shot and killed a man last year and listed his occupation as "human waste disposal" on his Facebook page. The detective was later suspended and transferred out of the department's gang unit to field services.
This article doesn't mention the Department's Repeat Offender Project using a noose as its symbol for twenty years. Maybe because they quit doing it last June, when it became public. It also doesn't mention that the police union was paying up to $500 to officers involved in fatal shootings. That ended in April.
I think they may have contributed to the Justice Department's decision to launch a full-scale investigation.


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Homeowners who have recently lost their job are caught in a "no man's land" where they are struggling to make their mortgage payments but can't get help from either their lender or the government.
Peggy Shaw had been thinking about refinancing her Decatur, Georgia condo before she was laid off as a senior editor at a book publishing company last Thanksgiving. She has a $1,295 monthly mortgage payment and says she's barely keeping her head above water.
"I'm scared and I try to take it one day at a time," says Shaw, who is divorced with a son and daughter in college. "When I got laid off, I went to the bank to see if I could get my mortgage refinanced."
U.S. & World
The day's top national and international news.
But Shaw says she was told that because she did not have a job, she couldn't refinance. The bank told her to keep checking back with them, which she had done.
Shaw isn't alone. More and more homeowners who suddenly lose their jobs are facing the scary realization that they can't pay their mortgage anymore. Many can't get the bank to refinance and they don't qualify for help under the new Obama mortgage rescue plan.
"Unfortunately, there's not much that they can do," says Edward Mermelstein, managing partner of Edward Mermelstein Development, who works with clients in residential and commercial real estate. "If you don't have income and are out of a job, you are very much limited as to what you can propose to the bank for refinancing."
The government is offering financial incentives to lenders for loan modifications, but it's up to the individual banks to make the call, says Mermelstein.
"The banks have to figure out if they are going with the government's plan or not," he says. "Each bank has its own guidelines."
What You Can Do
As bad as the situation seems, there are some actions to take says Darek Spring, president of Smart Modification, a company he and his wife set up to help homeowners after both lost their jobs and wanted to refinance.
"I came out of years in the banking industry and found myself out of work," says Spring. "I tried to negotiate. We made dozens of calls and go nowhere for a long time.
The most common steps recommended by experts to take for renegotiating a loan for someone who's unemployed are:
- Find out who services the loan by contacting the bank or lender you pay monthly
- If the servicer cannot help after using the following steps, find out who actually owns the loan and deal directly with them.
- Call the servicer or lender immediately and speak to someone in the loss mitigation department as soon as possible about refinancing
- Write what's called a forbearance letter or postponement of payment letter to either the servicer or lender telling them of your situation
- Be prepared to provide documentation of unemployment or income loss of your or your spouse
- Keep accurate copies of anything you send to a servicer or lender
Spring, who kept his house, says the first step is to contact what's called the loss mitigation department of the lender. "Banks are trained to say 'give us money now' so you have to get beyond that and reach the mitigation department, says Spring."
It's also important to know who owns the home loan, says Steven Horne, CEO of Wingspan Portfolio Advisors, a company that services low value loans. There are several different participants on the lending side of the transaction," says Horne. The company that is servicing the loan is usually the one who can modify the loan. They may or may not be the bank you send your monthly check to."
There's another part of this process says Aime Jackson, founder of the non-profit organization Advocate Aime, set up to help homeowners. "Be relentless," says Jackson who faced foreclosure of her Texas home because of a bank error. "If you can reach someone at your mortgage company who is in a position to effect change and has the authority to approve the loan modification, there is hope."
And experts say to avoid businesses that offer to help modify a loan for a hefty price. "The foreclosure rescue space has a lot of people who are not the best around," says Horne.
But if you do feel the need to have someone work for you, Smart Modification's Spring says do some diligence beforehand. "Good companies offer a 100 percent money back guarantee," says Spring. "Check out the company and ask for first hand testimonials."
Bank's Motivation
Analysts agree that the banks have a financial interest in modifying loans of the unemployed but not all mortgage lenders will do so. "Banks want you to have income," says Spring. "A typical modification plan might not include a drop in principal. More than likely they would put some of the money owed in refinancing at the back of an extended loan."
As Peggy Shaw continues to look for full time work, she's been freelance editing and writing to help her income. But that's not a solution to her problem she says. "There are times when I feel I could end up being one of those people who lose everything," says Shaw whose savings runs out in about 6 months. "I feel lost. All my money is in my condo."
For more stories from CNBC, go to cnbc.com.


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Home : Cute Baby Clothes : Ladybug Lover Red and Black : Toddler T-Shirt - White
Cute red and black ladybug has heart in the middle for a little girl who loves bugs
Design First Loaded: 2019-08-21 22:30:30
A toddler-soft cotton tee in look-at-me, big kid colors. 4.5 oz., 100% combed ringspun cotton. White is sewn with 100% cotton thread. Topstitched rib crew neck. Double-needle stitched sleeves and bottom hem. Shoulder-to-shoulder taping.


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CLC Art Secondary Education Transfer Guide
This transfer guide can assist art secondary education students with their transition to Saint Xavier University. Please refer to the general education requirements for an A.A. or A.S. degree found in the College of Lake County (CLC) Academic Catalog.
If students complete the majority of their general education requirements prior to transferring to SXU, they may qualify for the IAI GECC Articulation Agreement with the exception of Philosophy 150: The Examined Life and a religious studies course.
General Education Courses
|College of Lake County
|Saint Xavier University
|ENGL 120: Rhetoric and Writing
|COMM 101: Speech Fundamentals
|Choose IAI approved course/s
|College-level Math
|Physical and Life Sciences (7-8 credit hours)
|Choose IAI approved course/s
|Life Science and Physical Science
|Humanities/Fine Arts/Literature (9 credit hours)**
|See Transferable Art courses for the major
Choose IAI approved course/s
|Choose two Art courses for the major
One additional Humanities/ Literature
|**Students have the opportunity to satisfy 6 credit hours from the Humanities/Fine Arts General Education at SXU by completing PHIL 150: The Examined Life and a religious studies course.
|History and Social Sciences (12 credit hours)
|HIST 103: United States History to 1877
HIST 104: United States History Since 1877
|POLSC 101: Introduction to U.S. Government
|PSYCH 101: Introduction to Psychology
|*See note for IAI waivers
|One History general education
|Diversity Studies (3 credit hours)
|*See note for IAI waivers
|Cultures Within the U.S.
|Global Studies (3 credit hours)
|*See note for IAI waivers
|Cultures Outside of the U.S.
|*IAI Waivers are available for those students who transfer to SXU with an A.A. or A.S. degree or complete the majority of their General Education Core prior to transferring.
Transferable Courses
|College of Lake County
|Saint Xavier University
|EDU 202: Educational Psychology
|EDU 323: Survey of Students with Exceptionalities for the Regular Classroom Teacher
|PSYCH 201: Adolescence and the Transition to Adulthood
|ART 122; 124; 127 and 221
|ART courses for the major
|ART electives
|*See Catalog
Admission to Teacher Licensure Programs
Art students who are seeking state licensure must complete all requirements for the major, general education courses, professional education courses with a minimum of a "C" and maintain a minimum cumulative grade-point average of 3.0. All students who wish to complete a Teacher Education Program for licensure, including clinical practice/student teaching at SXU must be officially admitted to the Education Department as a teacher education candidate. A teacher education program is a four-benchmark process. It starts when a student is admitted to the University and completes pre-candidacy requirements, continues through admission to the Education Department as an Education candidate and admission to clinical practice/student teaching, exit from clinical practice/student teaching and finally program completion (licensure). Additional information is found on the Illinois State Board of Education website.
Additional Information
Art education is an interdisciplinary track, combining learning in art and design practices, art history and visual culture and the pedagogy of performance as a visual art teacher. Students in this track are trained to be artist/designer-teachers.
Please refer to the Secondary Education Program and the Art Secondary Education sections of the SXU Academic Catalog for additional information.
|Office of Admission
|Transfer Student Services Center
|Phone: 844-GOTO-SXU (844-468-6798)
Email: firstname.lastname@example.com
|Phone: 773-298-3510
Email: firstname.lastname@example.com
As of May 2018


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The seat of aristocratic rule during the Heian Period (794-1185). Known as Heian-kyo, the emperors of Japan resided in this city until 1869.
"Japan: Tradition and Change" is this year's theme for the Wyatt Exploration Program. Japan has a very long and rich history. Ruled by chieftains during antiquity, aristocracy emerged and established the imperial system that governed all of Japan. After centuries of rule, the samurai (aristocratic warriors) grabbed hegemony of Japan and maintain their hegemony until the mid 19th century. Faced with the rapidly changing world of the 19th century brought upon by western nations' thrust into the Pacific, the samurai dismantled their own world and instituted various reforms and changes for survival. Not only did Japan survive but also became the first Asian nation to form a constitution that called for a constitutional monarchy. By the beginning of the 20th century, Japan became a world power but this century was one of turmoil. The democratic tradition was derailed and the militarists gained control of Japan. The Second World War resulted in Japan's first defeat and occupation by foreign powers, its industrial base and cities destroyed, and its people starving on the streets. However, in less than a decade after the war, Japan was rebounding back and saw what is commonly known as an "economic miracle." This economic recovery resulted in an interesting dichotomy; Japan and the United States clashed viciously over trade issues, but at the same time acknowledged that the alliance between the two countries was indispensible. Post war Japan also saw a boom in American popular culture. Initially, fashion, movies, and music poured into Japan; then, in 1971, McDonald's opened its first Asian store in Tokyo. McDonald's became part of the Japanese vocabulary. By the late 20th century, Japanese culture became much more visible in the United States. Generations grew up with Sony and Nintendo, and some immersed themselves in anime. As things Japanese became more common in the United States, people-to-people contact increased as more Americans went to Japan.
Japan is a country that has experienced a number of changes, but despite these changes, tradition remains strong. Japanese history has shown that its people are capable of accommodating foreign influences through selectiveness. And, in the end, the foreign elements are assimilated into the Japanese culture, becoming distinctively Japanese. As we journey through this year's Wyatt Exploration Program, we will experience "tradition and change." The ancient capital of Kyoto retains much of its past. You will navigate through streets that were walked by those in the 10th century and visit spectacular Buddhist institutions that have been sites of worship for centuries. Fukuoka is bustling city with its high rises and subway. It is also a city with an interesting past. Fukuoka has always been a gateway to Asia, but this was where the Mongols landed in their effort to invade Japan. The magnitude of this invasion can be felt by visiting Borui (sea wall). There is Daizaifu Tenmangu, a Shinto shrine built in the 10th century, where thousands of students pay homage each year. Daizaifu's deity is for scholarship; perhaps, we should also pay our respects. A visit to the beautiful city of Nagasaki will reveal its diverse nature, and you will be able to see the impact of western nations during the 19th century.
Visiting historical sites are meaningful. It is possible to feel the past. Another important aspect of this program is for the students to meet their Japanese counterparts; mingle, chat, and spend some time with Japanese students. Thus, this program includes activities with students from Kitakyushu University and Kagoshima University. The value of understanding each other's culture is immeasurable and hopefully students would become builders of bridges between the two countries.
The seat of aristocratic rule during the Heian Period (794-1185). Known as Heian-kyo, the emperors of Japan resided in this city until 1869.
The Temple of Golden Pavilion. This site was originally a villa for a powerful Heian aristocrat. It was bought the Ashikaga Yoshimitsu, third shogun of the Muromachi Period (1333-1573), who constructed a garden complex. After his death, Kinkakuji was converted to a Zen Buddhist temple.
This is a UNESCO World Heritage Site.
Fukuoka is comprised of Hakata, a medieval city, and Fukuoka, an early modern city. This city has always been a gateway to Asia, and parts of Fukuoka is said to be oldest urban areas of Japan.
This is a defensive sea wall built along the coast of Fukuoka and surrounding areas. The construction started after the first Mongol invasion in 1274 and was completed prior to the second Mongol invasion in 1281. This wall played a vital role in keeping the Mongols on the beachhead.
This city's history goes back to Warring States Period, when a regional ruler named Mori Terumoto made this place his seat of power in 1589. Hiroshima is best known as the first city where the atomic bomb was dropped.
Hiroshima Peace Memorial: It is better known as the Atomic Bomb Dome, but it is actually a large complex with several buildings and serves as memorial for those who died as the result of the atomic bomb that was dropped on this city on 6 August 1945.
This is a UNESCO World Heritage Site.
Although this place is commonly referred to as Miyajima, which means "shrine island," its official name is Itsukushima Shrine. Located less than an hour fromHiroshima, this shrine is famous for being built over the sea. It was constructed by Taira no Kiyomori in 1168 as his family's shrine.
This is a UNESCO World Heritage Site.
Called "Window to the World" during the Edo Period (1600-1868), this port was one of the few places where foreign trade took place. The Dutch and Chinese were allowed to reside in restricted areas of this city.
Spectacles Bridge was constructed in 1634 and arches over the Nakashima River in Nagasaki. It is said that Dutch method was used to build this oldest stone arch bridge in Japan. It is designated by the Japanese government as an Important Cultural Property.
Originally known as Satsuma, this city was the seat of power for the Shimazu family since the medieval period. In 1868, the samurai from Satsuma and Choshu (Yamaguchi) took the lead in toppling the Edo regime and instituted reforms along western lines.
Located about an hour from Kagoshima City, this city is well known for its green tea. Chiran's attractions include a well maintained samurai district and Kamikaze Museum. The Kamikaze pilots took off from Chiran.


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This is it!
Our complete list of December 2011 Big Chill Vendors can be seen at the tab above. We'll be bringing vendor spotlights about each and everyone one of them to you for your reading enjoyment. Be sure to bring a napkin so you don't drool all over your keyboard, though.
The Big Chill is now less than a month away and we can't wait to get our holiday shopping on!
A caveat: under no circumstances, whatsoever, will we subject you to Christmas music while shopping. Our crafty oasis soundtrack will be rife with good local, music that has nothing to do with a large man in a velvet suit shimmying down your chimney!


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The word platinum connotes luxury, influence, perks, the lifestyle of a jetsetter. And now, the crash of a beer pong table flipped over, drowning out the vomit-moans of the girl next to you. Budweiser Platinum is upon us.
Although back in my college days, Keystone Light was the basement nectar of choice, Bud Light is likely the American gold standard for facile binge drinking. Bud and light are both friendly words! So let's drink them. But there's just one problem: regular Bud Light only has a paltry 4.2% alcohol by volume, and even Bud "heavy" has a mere 5%.
Bud Platinum has 6% ABV. Restart your computer. Read it again. Yes—the same taste of mediocrity and regret, now infused with more vision-blurring, shirt-removing power. So, come January, the next time you want to black out, text your ex-girlfriend saying she's a bitch, and then punch a hole in the wall, you'll be able to do it Platinum Style. [HuffPo via FoodBeast]
Original photo: ARENA Creative/Shutterstock
You can keep up with Sam Biddle, the author of this post, on Twitter, Facebook, or Google+.


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Man is meant to learn from history or risk making the same mistakes, yet there still seems to be no general consensus on what exactly caused The Great Depression – the biggest market crash in history. Many have thrown around the term 'depression' to describe the recent financial crisis that has hit the world. The downgrade of credit rating for the United States of America, the Euro Zone Crisis and auxiliary problems are all swirling around the world today, but is it as bad as the Great Economic Depression of the 1930s and if so, why have we not learned from it. While we know for a fact that mitigating factors occurred, yet researchers still haven't concisely linked them to The Great Depression; which was a big reason for the German rise of extremism which led to World War II. Facts about the Great Depression are measurable; let's go over what they were.
Black Tuesday
Black Tuesday was a massive stock market crash that occurred on October 29th, 1929. To an economist it is a date of such tragedy that competes even with the sinking of the Titanic. Many however lump the American Great Depression in with Black Tuesday although perhaps the one contributed to the other existing. Two months after Black Tuesday, stockholders had lost $40 billion dollars which is more than the GDP of modern countries that exist even today. There was a slight rebound as things were getting better but it was too little too late and the world entered The Great Depression.
Breaking the Bank
They say you should never trust a banker, but at least we've got legal recourse against negligence these days. In the 1930s your savings were uninsured which meant if a bank failed, you lost all your money without compensation – about 9000 banks failed leading up to The Great Depression in America. This lead to less banks being brave enough to hand out loans; which only made things worse since less people were capable of creating expenditure. At the same time economic taxes were put in place to "protect" American companies from competing with European products. The act lead to almost zero imports and international economic retaliation against the States, perfect breeding ground during The Great Depression to drive things further into the dust.
The Dust Bowl
Proving that even Mother Nature steps into the picture to help the downfall of man, the vast amounts of drought that occurred in Mississippi Valley in 1930 caused many to be unable to pay their taxes or generate vital produce. Many farmers who were in debt had to sell their farms at no profit and so The Dust Bowl was born. There were a few other circumstances that bolstered the power of The Great Depression and although it was indeed a time of great depression for many poverty stricken families across the world, we must learn from our mistakes lest we make them again.
Eugene Calvini is a writer and forex market enthusiast; a proud owner of a forex account and a certified Metatrader 4 forex broker, he enjoys sharing interesting economic news.