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U.S. households are getting wealthier and earning more, but the government shutdown could put those gains in jeopardy.
While last week's economic data shed new light on the growing net worth of U.S. families along with a rise in personal income, analysts fear that brinkmanship in Washington over the debt ceiling and Obamacare threatens that growth.
Before Congress failed to pass a measure to fund the government, shutting down nonessential operations Tuesday morning, several analysts weighed in on how such a closure would affect Americans' wealth.
"A shutdown would slow the expansion because output lost when workers are furloughed subtracts from gross domestic product," wrote Jeanna Smialek and Ian Katz in a Bloomberg analysis on Friday. "The combined prospect of a budget standoff between the White House and Congress and haggling over the debt ceiling could have a bigger impact on the economy as businesses hold off on investment and households delay spending."
Frank Fantozzi, CEO of Planned Financial Services, a Cleveland, Ohio-based firm affiliated with LPL, agreed that U.S. GDP could take a hit if the government shuts down.
"If the government stops spending money, it will bring down GDP, and this is a concern that the Federal Reserve has raised," Fantozzi said in a phone interview on Friday. "One of the reasons the Fed has cited is that because GDP is 2% or a little less, we're approaching a stall rate. If the government shuts down and they can't put money into the system, the fear is that paltry GDP rate will go to nothing and the economy will stall.
"Theoretically that can happen, though I have my reservations that we'll see a government shutdown that puts us over the cliff."
Shutdown Casts Gloom on Sunny Data
The U.S. Bureau of Economic Analysis reported Friday that personal income in August increased $57.2 billion, or 0.4%, as personal consumption expenditures increased $34.5 billion, or 0.3%. Private wages and salaries, meanwhile, increased $28.5 billion in August.
Further, on Wednesday, the Federal Reserve reported that household net worth was $74.8 trillion at the end of the second quarter, about $1.3 trillion more than at the end of the first quarter — putting it at the highest level since the Fed began keeping records in 1945.
But now, brinkmanship is back. Until recently, the economists at Bank of America-Merrill Lynch had been cautiously optimistic about a replay of the spring, but last week, they raised the probability of a shutdown to 30% from 15%.
"After a welcome hiatus, brinkmanship battles have returned to Washington," BofA-Merrill global economist Ethan Harris wrote in a comment published Friday. "Now two new battles loom: there needs to be a continuing resolution by the end of this month and the debt ceiling needs to be raised sometime in mid-to-late October."
Morgan Stanley analysts Vincent Reinhart and Ellen Zentner lament the timing of the budget battle — just as U.S. consumers are finally getting on their feet.
"Only in the past three months has consumer confidence in the U.S. finally reached a level considered historically 'normal' in recovery," Zentner wrote in a note to clients titled "Households Finally 'Feel' the Economy." Yet in her report with Reinhart, Zentner said there would be a direct arithmetic impact on GDP from a shutdown.
"Compensation of nondefense employees and civilian defense employees makes up about one-fifth of real federal spending and about 1.5% of GDP. Eliminate a third of that in a shutdown as nonexempt workers stay home, and GDP is haircut 0.5%," Zentner and Reinhart wrote. "Annualized, this reduces quarterly GDP growth by around 0.15 percentage points per week of shutdown. Even if ex post legislation makes up the missed pay and therefore avoids a hit to personal income, the real numbers will be gone for good because the hours worked will not be made up."
A shutdown would mean more than just a furlough of all but essential government employees, OppenheimerFunds Chief Economist Jerry Webman wrote in a Sept. 3 comment, "When Doves Cry." It would mean a billion-dollar hit to the U.S. economy, Webman warned.
"Shutdowns can affect hundreds of thousands of workers and contractors, not to mention civilians awaiting approval of various government applications (including small-business loans), businesses that rely on tourism, and so on," Webman wrote. "The costs of past government shutdowns to taxpayers and private businesses have extended into the billions of dollars. So, although the conventional wisdom may be that a shutdown is no big deal, it is something that the economy just doesn't need right now."
Check out Head Start, Meals on Wheels Among Programs Bruised by Budget Impasse on ThinkAdvisor.


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Loss of Vermont hay fields limits food for bees
MONTPELIER, Vt. (AP) — A slow change in agricultural practices is having an unintended consequence: limiting food for bees.
Since the 1980s, Vermont has lost more than 100,000 acres of hay fields that used to be full of bee friendly blooming alfalfa and clover. That means bees today aren't finding as many flowering plants as they need to flourish. And while hay is still grown, it is often cut before it can bloom, making it more nutritious for cows but bad for bees.
"Everything with bees is a negative. They don't have anything going for them right now," said Chas Mraz, who operates Champlain Valley Apiaries, one of the oldest commercial beekeeping operations in Vermont. Mraz's family started their bee business in 1931, and he took over in 2004.
Mraz isn't the only commercial beekeeper who has taken a hit from bee problems. The number of commercial honeybee colonies in Vermont has been more than halved since 1987, according to the National Agricultural Statistics Service estimates.
The decrease in hay fields — in line with the overall dwindling number of farms in the state — is just one factor affecting bees. Mites, viruses, bacteria and pesticides have also contributed to the bees' decline. On top of that, colony collapse disorder has caused about a third of bees to die across the United States each winter since 2006. In addition to making honey, bees pollinate crops and are essential for healthy ecosystems, so the disappearance of honeybees nationwide has alarmed scientists.
In Vermont, honey is considered one of the state's many artisan goods, selling just $1.5 million annually, according to state officials. In comparison, gross dairy sales in Vermont total $1.2 billion a year, accounting for 70 to 80 percent of the state's agricultural sales, according to the University of Vermont.
But what's good for the dairy industry isn't too good for the bees. New information on how to improve the diets of cows to increase milk production has driven farmers to manage hay more closely, cutting it early to maximize its nutritional value for them — at the bees' expense.
As a result, Vermont cows are producing more milk than they did decades ago. In 1980, an average cow made 12,300 pounds of milk, but in 2013, the average was 19,500 pounds per cow, said Bob Parsons, an agricultural economist with the University of Vermont Extension.
Despite the increase in production, farmers have still had to combat the rising prices of corn feed caused by the increasing demand for ethanol. Now some farms are growing more corn to save money. Dairy farmers don't have it easy, though. Milk prices haven't increased to keep pace with feed cost increases, according to a UVM report from Parsons.
Corn isn't a good crop for bees because it doesn't produce nectar and is pollinated by wind. Without blooms in lush hay fields to attract them, bees often have no other option but to turn to corn pollen. And because corn is often treated with pesticides and fungicides, its pollen can hurt bee hives, Mraz said.
"It's not the dairy farmers' fault. It's basically the economics of dairy farming and how it's changed," Mraz said.
With a lack of forage, bees' immune systems are compromised, making other problems, like parasites and disease, harder to fight.
"Certainly loss of forage, mites and diseases will have an effect on the ultimate production in any given year," said Stephen Parise, an agricultural production specialist with the Vermont Agency of Agriculture who focuses on bees. But it's difficult to compare yearly data since honey crops vary because of weather and other factors, Parise said.
Commercial beekeepers have responded to the bee decline by changing their business practices. Mraz now supplements honey sales with bee venom sales and honey packaging. Honey production used to account for more than 50 percent of the business, but now it's a third, at most, he said.
"If we were just in the honey production alone, we'd be out of business," Mraz said.
Mraz said bees could get a boost if farmers would include alfalfa, white clover or alsike clover in pasture fields or strips of land around their crops. Sid Bosworth, a UVM Extension agronomist, is testing a seed blend that he hopes can feed bees but maintain enough nutrition for cows, thereby helping both industries.
But time may be running out for the battered bee populations.
"I don't know if individual efforts will happen fast enough to make a difference," Mraz said.
News from The Associated Press, and a taste of the great journalism produced by AP members and customers. Managed 24/7 by these editors: apne.ws/APSocial Read more ›

subset: commoncrawl


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Brenner Children's pediatric emergency department has moved back to its original location. Learn more
In order to help protect patients, family members and health care workers from the spread of COVID-19, no visitors are allowed at any of Wake Forest Baptist Health's outpatient or inpatient facilities, except in certain situations.Learn moreMore COVID-19 Updates
You wake up in the middle of the night with stomach cramps, clutch a pillow and curl your body around it. That helps a little and you go back to sleep. But in the morning, the pain is still there. "Ouch, I have a stomachache!" you tell your mom or dad.
That's when the questions begin: Do you feel like you're going to throw up? Has it been hard for you to go to the bathroom lately? Did you have diarrhea in the night? Does it hurt anywhere else? Does it hurt so much you can't stand up? Are you worried about anything at school? Your mom or dad asks all these questions because lots of different things could cause pain in your belly or abdomen.
Keep reading to find out what belly pain is, what causes it, and what you can do to feel better.
When you get a pain in your stomach, it might be an actual problem right in your stomach, but not necessarily. Your abdomen is more than your stomach. It's more than your intestines. It's the whole area between your chest and your pelvic (hip) bones.
Inside your abdomen, you have your stomach and your intestines, along with lots of other organs: bladder, kidneys, liver, spleen, pancreas, gallbladder, appendix, and adrenal glands.
All of these organs aren't just bouncing around all over the place inside you — they're held together inside you by a bag-like membrane called your peritoneum (say: pare-ih-tuh-NEE-um). This two-layered membrane also separates these organs from your outer abdominal muscles. Three layers of muscles — front, back, and side — support this "case" of organs and protect them.
A kid might feel belly pain many reasons, including:
If there is no physical reason for you to have abdominal pain, the pain in your gut may really be a pain in your brain. If you're stressed about something, you can get sharp pains in your stomach. Lots of kids do!
If you think this is happening to you, sit down with someone you trust and talk about what's going on in your life. Are you worried about a bully at school? Are your parents fighting a lot? Did you do something you wish you hadn't? Are you worried that you won't get good grades? Talk it out. Many times, stressful worries become less stressful when they're out in the open — instead of inside your stomach.
When you talk, make sure you find out what you can do about having less stress in your life so you can get rid of that painful nervous stomach.
Your doctor will first ask you some questions, examine you, and maybe do some tests. Your doctor may suggest you take some medicine or might give you special instructions for eating to help your body heal the bellyache.
If the doctor suspects you might have appendicitis, he or she may want to take a small sample of your blood and have it tested. Or, the doctor may ask you to have an X-ray, ultrasound, or CAT scan. These tests give the doctor more information about what's going on inside you. If it turns out that you have appendicitis, you will need an operation called an appendectomy.
If stress seems to be causing your stomach problems, your doctor may recommend a specialist, such as a psychologist. These experts can help kids figure out the source of the stress and help them come up with some ideas for how to fix the problems or handle them better.
If you'd like to prevent bellyaches, here are some good tips to follow:
If you have a bellyache, be sure to let an adult know what's going on!
Reviewed by: Yamini Durani, MD
Date reviewed: February 2014
© 2019 Brenner | Site Policies & Statements
The information on this Website is for general informational purposes only and SHOULD NOT be relied upon as a substitute for sound professional medical advice, evaluation or care from your physician or other qualified healthcare provider. If you have a medical problem or a health-related question, consult your physician or call Health On-Call at 336-716-2255 or 1-800-446-2255.


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Listening to 106.7 the FAN earlier here in the DC/MD/VA area. It's a sports talk station. Some of the local skins callers and their non-sense just made me sick listening to them. I swear some of the comments regarding SEA not being hungry, specifically RW, how our D-Backfield is over-rated, and how PC is supposedly some noob-ish coach who will totally be outcoached by Shanny made me literally sick to my stomach.
I understand being confident in your team, but show some respect. We are here in the Playoffs for a reason, as are you. Don't act like we are a JV team. Or actually please do, because when we hit you in the mouth you wont be laughing much.
Go Hawks. That is all.


text: Tuesday, April 10, 2012 Deadline Approaches for Applications for MoveForwardPT.com Editorial Board APTA members who wish to participate in the development of physical therapy-specific content for APTA's consumer website have until April 20 to apply for the new MoveForwardPT.com editorial board. Members of the MoveForwardPT.com editorial board will help write, edit, and review content, such as the detailed symptoms and conditions guides, according to their area of expertise, and/or will help to facilitate content development and review with other physical therapist experts in the field. APTA is seeking applications for initial 2-year terms. Applicants must be APTA members with a PhD, DPT, or equivalent, a strong clinical background, proven writing skills, and a keen interest in developing evidence-based, consumer-friendly content. If interested in this volunteer opportunity, review the full position descriptions for editorial board members and/or the editorial board chair (position also available), and send a curriculum vitae, letter of intent, and appropriate writing samples to Katie Kissal, consumer portal specialist. Comments Please contact me r/e the available positions on the editorial board since I would be interested in contribution. Thank you in advance. Dr.Peter Kluba PT Posted by Peter Kluba on 4/13/2012 3:33 PM


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Estate planners should take note that the Obama administration's 2014 budget plan, released Wednesday, was expected to take aim at some of their most effective planning tools.
Though the American Taxpayer Relief Act (ATRA) provided some certainty in the tax code, much remains in the political battle over government spending and revenue generation. Many of these estate planning tools have survived past budget battles, but today's generous estate tax exemption makes them a much more likely target in the days and years ahead. Here is what you need to know to keep your clients' planning strategies on the right page.
Grantor Retained Annuity Trusts
A Grantor Retained Annuity Trust (GRAT) allows a client to transfer assets into a trust from which it retains an income interest that is received as an annuity payment. The trust assets are then distributed to the beneficiaries at the end of the trust term. Typically, a GRAT is set up for a relatively short term—sometimes as little as two or three years—and funded with assets that are likely to appreciate in value more quickly than the IRS-imposed interest rate applicable at the time.
This allows the client to minimize transfer taxes while passing wealth to beneficiaries. Gift tax is determined at the inception of the trust term, and any appreciated value is passed to the beneficiaries without further tax liability if the client is still alive at the end of the trust term.
Now, as in the past, this tax-savings technique has attracted the attention of the government, which is now proposing to require a minimum trust term of 10 years. This increases the possibility that the grantor will die during the trust term, which would require that the trust assets be included in his or her estate for estate tax purposes.
The administration proposal would also eliminate the possibility that the GRAT could be "zeroed out"—essentially requiring that some gift tax be paid when the trust is created.
Intentionally Defective Grantor Trusts
The intentionally defective grantor trust (IDGT) is a grantor trust that is not treated as a separate entity for income tax purposes, but can serve to exclude the value of its assets from the client's taxable estate. Because the client continues to pay the income taxes on the appreciated value of the trust assets (rather than the trust itself paying those taxes), more value can be transferred to beneficiaries outside of the client's estate.
President Obama's proposal would require that gift tax be paid upon any distribution from the IDGT and that any value remaining in the IDGT at the grantor's death be included in the estate for estate tax purposes. Since the primary purpose of the IDGT is to maximize the transfer of wealth to a client's beneficiaries while reducing the taxable estate, these proposals would largely eliminate the purpose of an IDGT strategy.
The GST Tax-Exempt Dynasty Trust
The dynasty trust is a type of irrevocable trust that uses the generous $5.25 million exemption from the generation skipping transfer (GST) tax to allow clients to pass wealth to future generations without subjecting the transfer to GST taxation. In some states, the rule against perpetuities serves to limit the duration of these trusts, but in states that have eliminated this rule, a dynasty trust can continue almost indefinitely.
The tax savings can be dramatic. By allocating a client's lifetime GST tax exemption to trust assets, those assets can appreciate in value within the trust tax-free, passing income to current beneficiaries and allowing for withdrawal of the principal at some point in the future without transfer tax liability.
The administration proposal would limit this strategy by imposing transfer taxes after a dynasty trust has been in existence for 90 years. For some clients, the strategy will remain attractive, but those who had counted on the potentially indefinite duration of a dynasty trust should reexamine their estate plans to identify alternative solutions.
Tools such as GRATs, IDGTs and dynasty trusts are only some of the tools that could be on the chopping block this spring. While nothing is certain, clients who are betting on these strategies must be kept current on administration proposals that could reduce or eliminate the benefit of their trust plans.
For additional coverage of this issue and similar ones, we invite you to sign up with AdvisorOne's Summit Business Media partner, National Underwriter Advanced Markets, for a free trial.
You may also be interested in signing up for a free trial with another Summit Business Media partner, Tax Facts Online.


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This butter is the "Grand Cru" of all Vermont Butters. Crunchy pieces of flavorful salt combined with incredibly creamy and delicate butter creates a perfect harmony as the butter melts in your mouth and the grains of salt crunch between your teeth. Serve a dollop atop grilled meats, melt it over shrimp or lobster, or try it in cookie recipes.
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In recent published posts I have talked about John Keller and Mary Anne Delano Keller who were Amarilla's grandparents on her mother's side.
Amarilla was the daughter of Daniel D. Spracklin and Elizabeth Keller. Daniel's parents were John Andrews Spracklin and Lydia Goss. Daniel and Elizabeth had 4 children. By 1860 Elizabeth had passed. She had died in 1859 just months after Amarilla's birth.
A thorough page by page search of the Iowa census was attempted but Daniel was not found. Amarilla does appear in the 1860 Iowa census in Benton County, Iowa but she is not with her father Daniel? She is with her sister Mary and another family.
1860 U.S. Federal Census Family of Shelley/Spracklin Dwelling# 1175, Hse #1217, pg. 178, Roll #M635-325 Iowa & Jasper Co., Marengo Twp., Iowa Co., Iowa, National Archives, Alaska-Pacific Region, Seattle, WA. 1175/1217 – Joseph Shelley, 68 yrs. old, male, farmer, $1400 real estate, $100 personal, born in Tennessee. Sarah Shelley, age 48, born in Maryland, Martha Shelley, age 13, born in Indiana, Eliza, age 9, born in Indiana May Sprackling age 4, male?, born in Iowa, (A)melia age 1 yr., female, born in Iowa
It is my belief that this is Mary and Amarilla even though the spelling is different. The ages are correct and the location is close. As for the Shelley family, I do not know what their relationship to Daniel maybe. The Spracklins and the Kellers are large families and this could easily be relatives that I do not have knowledge of. They could also just be neighbors and friends helping out.
The other interesting fact is that Henry, the older brother is also displaced and living with another family in 1860. In this case it is his Aunt Olive a sister of Daniel's.
W. P. Merifield Family, 1860 U.S. Federal Census Leroy Twp., Benton County, Iowa, Reel No M653, # 311, Page 162. Merifield, W.P. 29 farmer 800, 300, born in Ohio, Olive 27 yrs. born in Ohio, Lydia 7 yrs. born in Iowa, Corista 2 yrs born in Iowa, Spracklin, Henry 7, born in Ohio.
There is no sign of Amarilla's father. I did a house by house search of the township and there were lots of houses that were empty. I even searched in Ohio to see if Daniel had gone back to his home in Knox County, Ohio because his father John Andrews Spracklin had died in 1862. I cannot find him.
So the death of Elizabeth Keller Spracklin in 1859 really created a temporary scattering of the family of Daniel D. Spracklin at that time. There does not appear to be any evidence that he joined the fight and enlisted in the Civil War.
By 1870 Daniel is back in the census and he is remarried to Sarah. He has Henry and Amarilla with him from his first marriage. Emily is Sarah's daughter from her first marriage. Sister Mary died on the 27th of September 1861. This death must have affected Amarilla even though she was very young.
By 1870, Sarah and Daniel have started to have a family of their own. The other children: Lydia, Birdie H (Virda), Reed A. are of the 2nd family.
Daniel D. Spracklin Household, 1870 U.S. Federal Census LeRoy Twp., Benton Co., Iowa, June 17, 1870, Post Office is Blairstown, Page 18. Line 34, 123, 122, Spracklin, Daniel, age 40, male, white, famer, $3300, $700, born in Ohio, father and mother of foreign birth, citizen of US. Sarah, 34 yrs., female, white, keeping house, born in Indiana. Henry F. 17 yrs., male, white, born in Ohio. Emily, 13 yrs, female, white, born in Indiana. Ammarilla, 11 yrs., female, white, born in Iowa. Lydia M., 5 yrs., female, white, born in Iowa. Birdie H., 4 yrs., male, white, born in Iowa. Continued page 19: Reed A., 1 yrs., male, white, born in Iowa. Henry, Emily, Ammarilla, Lydia attended school within the year.
There are other names listed under the notation for Daniel in 1870. Nelson, Peter 26, farmer with 600 value of personal estate from Denmark, Nelson, Hardie 26 keeping house, from Denmark, Nelson, Andrew 1 yr. born in Iowa, Nelson, Peter 5/12 yr. born in Iowa, all have parentage that are foreign birth, Frederickson, Ann 8, from Denmark, Anderson, Peter 23, laborer Denmark, both with parentage foreign.
Daniel remarried on 21 November 1863 to Sarah Blacketer Allgood in Marengo, Iowa Co., Iowa. He is still living in LeRoy Twp. in Benton County, Iowa but that will change. Amarilla was 5 years old when he marries Sarah. She may be young but old enough to know that something has happened.
In the closeup of the Benton Co. Atlas Daniel's land is in two parts of 40 acres each. There is a double line almost in the middle and Daniel's land is on the left of the line under the School. There is a dot showing this piece of land. The other land is to the right on the other side of the double line with another dot next to a Case and below A. Justus. Which piece of land Daniel had his house located on is not known. This is why Amarilla's great-granddaughter, the writer of this blog, believes she was born nearer to Blairstown. Daniel did not move to Iowa County, Iowa 20 miles south till after 1872. Amarilla was born in November of 1858.
If you go back to the 1856 Iowa State Census you will find interesting things going on. Daniel is not mentioned in published indexes for this census but he is definitely there and he and Elizabeth and their son Henry are living next to Blacketers, and Daniel's sister Olive Merrifield and her family.
So Amarilla's beginnings are a bit precarious. She looses her mother at a very early age, a sister dies and she is separated from her brother and father for maybe a year or two? Then her father returns to marry a stranger. This is a lot for a 5-year-old to take in.
Miriam, Amarilla's granddaughter writes: "Amarilla (Ammarilla, sometimes she varied it) belonged to the first family, hated the second and left home. Supported herself as a seamstress. Married George Angus Barclay in Brainard, Minn. He had land…"


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AMD Catalyst 10.12 Windows 7 Driver Analysis (Page 4)
Aliens vs. Predator
Version and / or Patch Used: Standalone Benchmark
Timedemo or Level Used: Built in Benchmark
Developer Homepage: http://www.rebellion.co.uk/
Product Homepage: http://www.sega.com/games/aliens-vs-predator/
Aliens vs. Predator is a science fiction first-person shooter video game, developed by Rebellion Developments, the team behind the 1999 original PC game, and published by Sega for Microsoft Windows, the PlayStation 3 and the Xbox 360. The game is based on the Alien vs. Predator franchise, a combination of the characters and creatures of the Alien franchise and the Predator franchise. There are three campaigns in the game, one for each race/faction (the Predators, the Aliens and the Colonial Marines), that, while separate in terms of individual plot and gameplay, form one overarching storyline.
Following the storyline of the campaign modes comes the multiplayer aspect of the game. In this Multiplayer section of the game, players face off in various different gametypes in various different ways.
HD 5870 Here we see a nice little bump at all resolutions.
HD 6850 Here we see no real change.
HD 6870 Here we see no real change.
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This post is actually a prequel without the first one being posted yet (it's in draft mode), anyway, if you try doing a spawn with node control, things seem to get a bit out of hand
Erlang R13B04 (erts-5.7.5) [source] [64-bit] [smp:4:4] [rq:4] [async-threads:0] [hipe] [kernel-poll:false] Eshell V5.7.5 (abort with ^G) (t@zen)1> =ERROR REPORT==== 1-Sep-2010::09:06:20 === Error in process <0.56.0> on node 't@zen' with exit value: {badarg,[{erlang,atom_to_list,[[]]}, {eunit_lib,fun_parent,1}, {eunit_data,parse_function,1}, {eunit_data,next,1}, {eunit_data,iter_next,1}, {eunit_proc,get_next_item,1}, {eunit_proc,tests_inorder,3},{eunit_proc,with_timeout...
So, what is the cause for this error?
According to the error message, there is a bad usage with the erlang BIF atom_to_list, from the module eunit_lib, in the function fun_parent
Now, if you go and read the source (eunit_lib),
%% This library is free software; you can redistribute it and/or modify %% it under the terms of the GNU Lesser General Public License as %% published by the Free Software Foundation; either version 2 of the %% License, or (at your option) any later version. %% %% This library is distributed in the hope that it will be useful, but %% WITHOUT ANY WARRANTY; without even the implied warranty of %% MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU %% Lesser General Public License for more details. %% %% You should have received a copy of the GNU Lesser General Public %% License along with this library; if not, write to the Free Software %% Foundation, Inc., 59 Temple Place, Suite 330, Boston, MA 02111-1307 %% USA %% %% $Id: eunit_lib.erl 339 2009-04-05 14:10:47Z rcarlsson $ %% %% @copyright 2004-2007 Mickaël Rémond, Richard Carlsson %% @author Mickaël Rémond <firstname.lastname@example.com> %% [http://www.process-one.net/] %% @author Richard Carlsson <email@example.com> %% [http://user.it.uu.se/~richardc/] %% @private %% @see eunit %% @doc Utility functions for eunit %% --------------------------------------------------------------------- %% Get the name of the containing function for a fun. (This is encoded %% in the name of the generated function that implements the fun.) fun_parent(F) -> {module, M} = erlang:fun_info(F, module), {name, N} = erlang:fun_info(F, name), case erlang:fun_info(F, type) of {type, external} -> {arity, A} = erlang:fun_info(F, arity), {M, N, A}; {type, local} -> [$-|S] = atom_to_list(N), C1 = string:chr(S, $/), C2 = string:chr(S, $-), {M, list_to_atom(string:sub_string(S, 1, C1 - 1)), list_to_integer(string:sub_string(S, C1 + 1, C2 - 1))} end.
Where the second line fun_info(F, name) is the culprit. It seems as if the fun does not retain the name for some reason, but fortunately, after discussing this with my senior friend Nicolas, it turns out this is a problem caused by the module from where the fun is sent code not being loaded on the other node where the tests are to be evaluated.
Thus, the simple solution is to make sure the remote node has loaded the code from the tests a priori. This can be achieved with a module_info() or code:load_file/1.


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In major news of a reorganization of its clearing unit, Fidelity Institutional announced on Wednesday that it would reorganize the business due to rapid changes in the financial advice industry and has tapped new leaders from within the company to lead the reorganization.
Boston-based Fidelity Institutional, which has more than $1.1 trillion in assets under administration, is the division of Fidelity Investments that provides clearing, custody and investment management products to registered investment advisors, banks, broker-dealers and family offices.
Fidelity Institutional President Gerard McGraw and the leaders of Fidelity's custody and clearing units, Michael Durbin (right), president of Fidelity Institutional Wealth Services, and Sanjiv Mirchandani, president of National Financial, will oversee a new organizational structure that recognizes "the growing, emerging, and converging business models in the financial advice industry, while maintaining its commitment to the existing regional support model," according to a news release.
The unit recognized that it could better serve the custody and clearing industry by leveraging its scale and breadth of expertise, McGraw said in a statement.
"We are a diverse company, and it's important that we are aligned to consistently bring our clients both our broad industry perspective as well as our specific business model expertise," he said. "We are committed to delivering against our clients' immediate needs, but also looking ahead to help them navigate some of the challenges and opportunities we expect they will face in the future."
Fidelity announced the following groups and leaders, all from within the company:
• Broker-Dealers — Bobbi Masiello, currently executive vice president and head of relationship management for Fidelity's clearing business, will lead the group as insurance, independent and institutional broker-dealer firms evolve and increase their focus on more customized, advanced technology solutions.
• Banks — Michael Norton, currently senior vice president for client experience supporting Fidelity's clearing clients, will lead the group. Banks are increasing their focus on growing their wealth management offerings, so Fidelity will dedicate a group to oversee banks' converging product and technology needs in custody and clearing.
• The following groups will report to Fidelity Institutional Wealth Services President Michael Durbin:
— RIAs – Bob Oros, currently executive vice president of sales and relationship management in Fidelity's custody business, will continue to head RIA sales and relationship management.
— Strategic acquirers and professional asset managers will comprise a separate team. Robert Evans, who has served as a regional senior vice president in the RIA custody unit for seven years, will lead this team and continue to report to Oros.
— Retirement advisors and administrators — With financial advisors and third-party administrators playing an increasing role in the 401(k) market, a new Fidelity team will promote the services of 401(k) retirement plan recordkeepers and engage with advisors who sell retirement plans. Meg Kelleher, currently executive vice president for sales and relationship management in Fidelity's custody business will lead the group.
Check out Fidelity Launches M&A Program for RIAs, Including Access to Financing.


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Let's recap our Building MSGL series on Wayback Wednesday. Montessori Parents, Inc. purchased the Calvary Baptist Church on Soldiers Home Road in 1999. Demolition of the interior began in September, 2000. Now it's December, 2000 and the stud walls are in place so that wiring, plumbing, and drywall work can begin.
Looking toward the Oak Room in Building B.
Standing in Catalpa looking through the wall into the Oak Room.
Looking out the door of the Maple Room into the office hallway.
Here's the view walking in the office door.
Here's that same view just a couple of months later.
This is the Maple Room looking toward the stairs.
This is the Willow Room looking toward the kitchen area.
And here is the Spruce Room filled with drywall supplies.
The Harvey & Son Construction crew. Steve, Don, Nolan, and Tony working over Thanksgiving Break.
That's all for this week. Have a terrific Wednesday!
It's been a long week for everyone at MSGL and it's only Wednesday. The roots of our beloved river birch tree, which shaded the sandbox for more than 10 years, finally overtook the sewage pipe coming from Building A. The tree was cut down, the sandbox was dug up, and the lovely pergola that Ron Stier designed and built to shade the children has been dismantled. This is the sight today as workers remove roots and begin to repair the pipe. As luck would have it, we received 3 inches of snow this morning so classes were cancelled.
It's not a pretty sight right now on the playground. (Photo by Tony Harvey)
Yesterday, we said goodbye to the river birch tree.
The river birch comes down, one limb at a time. (Photo by Lena Atkinson)
But this is Wayback Wednesday and we have to go way back. So let's take a look back at how we got here. This is the sandbox under construction in 2001. The river birch was planted later that year. It probably seemed like a really good idea at the time.
2001 - Sandbox under construction.
Two years later the children are enjoying the new sandbox. The birch tree is wrapped in black at top left.
Miss Sherry and friends enjoy the shade of the river birch and the pergola during summer camp in 2010.
And here is a nice photo of the whole area from Summer, 2011.
Certainly one of the most popular areas in our outdoor classroom, the sandbox is going to be sorely missed until it can be reconstructed. But even as we lament this loss, it's good to remember that things could be worse. Back in September, 2007, this was the view outside of Building A.
2007 - Old toilets being removed during demolition of Building A.
Take heart, friends. The water will soon be flowing in Building A and children will once again play in a shady sandbox. And Spring is only eight days away. Have the best possible Wednesday!
~ Heather
This week's installment of Building MSGL focuses on the work of the jackhammer, a tool that was put to much use during the first few months of the construction project. Lots of concrete had to be broken up and hauled away so we could remodel the buildings and install new steps and sidewalks.
Tony Harvey breaks up concrete in Building B to make space for new plumbing for sinks and bathrooms. This was one of his least favorite days of the entire 6-month project.
Looking at Building A as the concrete demolition gets underway.
Later that day, it looked like this. Watch that first step - it's a doozy.
Don Harvey and Craig Lamb prepare to take out the upstairs landing.
As the demolition continued, it became apparent that the light-duty jackhammer they had been using was not going to cut through some of the steps. One parent volunteer took a look at the slow progress they were making and set off to find a better solution. Half and hour later he pulled in with a trailer-mounted mobile air compressor and a much more powerful jackhammer. Tony Harvey said that was a real game-changer for this phase of the project.
"We had a little jackhammer that you could plug into an outlet in an airplane bathroom," he joked. "This parent came back with a rig that looked like Iron Man built it. When we flipped the switch on the big one you could see lights flicker in the apartments across the street," he said, once again, joking. "We had been working all day on those steps and in just 20 minutes with the big hammer, they were dust."
The old steps are broken up to make way for the new stairs/ramp that will lead into the upstairs hallway in Building A.
Just for fun, I am including before, during, and after photos from Building A so we can admire the progress from an old church basment entry to a modern, ADA-compliant school entrance.
During demolition.
Here it is with the concrete walls freshly poured.
Here, the railings are being installed.
And here it is that first summer, looking quite lovely.
Thanks for joining me in the wayback. Have a super Wednesday!
If there truly is a flashback movie that plays in our heads just before we die, the remodeling of the MSGL buildings will certainly be a part of mine. And the sweaty people covered in dust will be in it too, smiling (mostly) like they were in these photos from the first week of demolition.
The following pictures represent some of my favorite memories of the building project because we were all so young and optimistic. We didn't truly grasp what working for six months through the winter with no electricity and no toilets and no babysitters would be like. So many parents, teachers, spouses, and extended family members gave their days off and their nights and weekends to prepare this space to be our new and improved Montessori School of Greater Lafayette. They did it for free and, most importantly, they did it with a sense of humor.
Dragging the folding partitions out of the basement.
The above photo brings to mind a particularly disheartening day. The church basement was divided up into classrooms by these heavy, orange, folding partitions. Before we could start cutting into the concrete floors and tearing out the ceilng, we had to remove all of these partitions. Did I mention that they were extremely heavy? So heavy, in fact, that we couldn't move them once we got them detached and rolled up on the floor. I recall seeing Craig Lamb, Beth Nichols, and Tony Harvey pushing on them with all of their might and they just weren't budging. The wise, manly men in our group decided to drag them out of the basement using the Bobcat. Don Harvey did just that. As Tony, project manager, recalled, "That part of the demolition was really brutal. You would go in and see what was going to beat the heck out of you that day."
Just like in a Montessori classroom, every volunteer found a niche. Some of the parents didn't want to see anything go to waste, so they took out the light fixtures and the doors and anything that might be of value and marked it for a remodeling sale we had a few weeks later.
Ellie's mom is organizing the salvaged items in the future toddler room.
One of the reasons we had such a dedicated group of volunteers is that demolition work is really fun! After a long day we could put on our grubby clothes and work gloves, grab a Wonder Bar and tear into the drywall and studs.
Ron and Cathy Stier.
Brian Berndt.
Beth working in the future River Birch room.
Beth and Cathy take out nails so we could re-use the studs.
Tools like the Sawzall made the job a lot more fun. This volunteer is standing in what is now the Willow room.
Tony unloads another wheelbarrow of debris.
Water girls, Gaia and Grace.
The author was concerned about lawn maintenance.
I was really worried that the lawn would grow too long and we would look like bad neighbors. This was the first and last time I mowed the entire campus with a push mower.
That week was lots of fun, but I'm glad it's done. Have a great Wednesday!
One full year before MSGL acquired the property that is now our campus, the Calvary Baptist Church invited us to hold an open house for our families. These photos, from September 24, 1999, show lots of familiar faces and a campus without ramps, fences, or the 10 inches of snow that is on the ground today.
I can't bear to throw away a good opportunity for a photo comparison, but we don't have a current photo taken from the same perspective. Here are two beautiful photos that offer an idea of what this view looks like today.
I hope you were able to enjoy seeing some green grass and leaves on the trees. And I promise that Spring will come exactly when it's supposed to. Until then, thanks for reading and have your best possible Wednesday!
On September 21, 2000, Montessori Parents, Inc. officially closed on the purchase of the property at 2552 Soldiers Home Road that would become the new campus of the Montessori School of Greater Lafayette. To celebrate and prepare for the next step, the board of directors and some staff and parents met that evening in the sanctuary of what was the former Calvary Baptist Church. Board president Craig Lamb offered a toast with champagne served in paper cups.
The next morning, demolition of the buildings began. MSGL parent Tony Harvey coordinated the building project. His father, Donald Harvey, was the general contractor.
These are photos of the front of the sanctuary that is now the northwest corner of the Catalpa Room. When asked about these photos, Tony said that the gold walls on the left were part of the room that lead to the baptistry. "If you came to Calvary Baptist Church and you wanted to be saved," he explained, "you had to go through that room."
This was just the beginning of 5 months of hard and dirty work by many dedicated staff and parent volunteers. Three generations of families came together for one common goal. True friendships were forged. A lot of those people are still involved with MSGL today. I look forward to sharing the few photos and many stories of that time here on Wayback Wednesdays. If you were part of this amazing project and wish to share your stories, please add them as comments to the bottom of these posts or emaill me and I will be so happy to include them in an upcoming post. Of course, any photos you share will be greatly appreciated.
Thanks for reading! Have a terrific Wednesday.
January of 2000 saw the beginning of the beginning for our current location on Soldiers Home Road. The architects at Schwarz Associates in Lafayette began designing our new space. This is the architect's rendering of the exterior of both buildings.
The photos below were taken over a year later in October, 2001.
Here is the current head-on view from 2013.
Thanks to non-acrophobic parent and board member Mary Mckay for taking those aerial photos in 2001. Parenting is not for the faint of heart.
Happy Wednesday! Thanks for reading.
Winter is upon us and the staff of the Wayback Wednesday department is preparing to head south for the season. (The staff certainly wishes this was true.) Okay, we're not really going anywhere but we have discovered a treasure trove of awesome photos. We will be scanning them and organizing them over winter break. When everyone returns in January you can look forward to the beginning of "Building MSGL." It's the story of how our families built the MSGL campus that we know and love today.
To whet your appetites I am posting one photo from that winter of 2000. Look at this photo and see if you can figure out where in the school it is. The first commenter to get it correct wins a free Wayback Wednesday t-shirt. (The staff certainly wishes this was true.) Okay, no t-shirt but you can still be first. Have fun guessing!
Have a terrific Wednesday and an awesome winter break!
..and this was its steeple.
When we remodeled the former Calvary Baptist Church in 2000-2001 to become our Montessori school, we had to replace a few fixtures. The steeple was detached from the roof and lowered by crane to the parking lot below.
What do you do with a second-hand steeple? We gave it to a church down the road.
The demolition crew also removed the fiberglas baptistry by cutting it into pieces. All of the beautiful wood pews were sold. You can see one being used today in the school office. The colored windows were eventually replaced with clear glass.
This is what Building B looks like today.
Have a great Wednesday!


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Hey there,
I see that youre local to Maryland. Be sure to check out the Heroes Guild on Maryland at Heroes' Guild of Maryland. Were a community of gamers in the greater-Baltimore area and we hose regular events including Pathfinder Society and our D&D 4th ed. sandbox campaign, the Eastern Expanse. Check our forums for full event details and registration.
-Chris Pullen, Heroes Guild of Maryland
The 300 (+7)


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- Department
- Horticultural Science
- Publication Date
- Feb. 1, 2004
- Authors
- Barclay Poling
- Gina Fernandez
- R. A. Allen
North Carolina State University and North Carolina A&T State University commit themselves to positive action to secure equal opportunity regardless of race, color, creed, national origin, religion, sex, age, veteran status or disability. In addition, the two Universities welcome all persons without regard to sexual orientation.
This publication printed on: June 07, 2020


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Happy Friday everyone! Casey here. It's Skyfall day!
If you've hung around the Scribes blog long enough then you know we are movie fans. I'm sure I'm not the only James Bond aficionado around here. I started my 007 love affair at a young age, first watching Sean Connery, George Lazeby and Roger Moore on ABC with my family. At the time, I had no idea they were heavily edited. And, of course, all the double entendres went right over my head (Pussy Galore!).
The first James Bond movie I ever saw in a theater was Moonraker. One of the more campier offerings, but I distinctly remember everyone loving the metal-mouthed bad guy Jaws, played by Richard Kiel. I was probably in my early teens and still pretty naive about all the innuendo!
Over the years, I faithfully followed all the Bonds as they changed over time. I was thrilled when Pierce Brosnan finally got his chance with the Astin Martin. And while, I was sad to see him go, I loved Daniel Craig in Casino Royale. The harder edged story and the intensity really made me fall in love with the franchise all over again.
As writers there are some lessons to take away from the Bond movies. Part of Bond's enduring success is a formula that's stood the test of time and multiple actors playing our hero.
1. Action – I can't think of a single Bond flick without several pulse pounding action sequences. And they aren't there just for the thrill value either. They have a purpose and serve to move the plot along (although sometimes you have to wait until the end of the movie to see all the connections).
2. Babes. Lots and lots of babes – skimpy outfits required – Aside from our favorite secret agent, there are always at least two sexy women. One could be loosely considered to be the "love interest" (at least for the duration of the movie). The other (mostly in the earlier movies), slept with Bond then ended up dead later. Who could forget Goldfinger? Jill Eaton dead on the bed, clad only in gold paint. Or in Moonraker, when the sexpot is eaten by dogs. After a while, the first woman to have sex with Bond had the life expectancy of a red-shirted ensign on Star Trek.
3. Villains – no one has more fascinating, campy villains than Mr. Bond. Granted they have stepped away from some of the more cornball aspects of the series (Man with the Golden Gun – extra nipple anyone!). 007 always shines best when the villains are a match for him . Who can forget Sean Connery strapped to a table with Goldfinger cackling overhead – "No. Mr. Bond. I expect you to die!" Classic.
4. Gadgets – Bond has done it all and with the most amazing gadgets. Explosive pens, cars that morph into submarines, even a rocket jetpack. And the cars. So many beautiful and classic Astin Martins. I know, they strayed away from the AM in some of the films, but I hear it's back and more awesome than ever in Skyfall.
5. Super sidekicks/happening henchmen– Q, Miss Moneypenny and Felix Lightner. They've all helped anchor James Bond and provide a sense of continuity no matter which actors have played them. And those henchmen – Jaws, Oddjob, Xenia Onatop (the fabulous Famke Jensen) and May Day (Grace Slick). There are way too many to name, but for a complete list – click here.
6. Exotic Locales – the locations are characters in their own right. I'm pretty sure Mr. Bond has been just about everywhere – including space.
7. Awesome catchphrases – Nothing says Bond like – "Bond, James Bond." Or "Shaken, not stirred." No one can quip like 007. There is always some humor. Depending on the actor and the decade, it's dry or downright corny, but we fans love it all the same!
8. The Opening Credits – Nobody does it better. The classic theme song.That gun barrel eye view often followed by an amazing action sequence which culminates in opening credits (silhouettes of nude models, weapons – you name it) often sung by the pop star du jour.
Okay, back to writing. Yes, I know I got a bit carried away. Watch any Bond film and you'll find all or most of these elements. And if you're wearing your writer goggles, you will find the basics elements – the call to action, GMC, twists, black moments, love (okay, sex) scenes, and final victory.
I'm sure Ian Fleming, when he was writing his books in his hideaway Goldeneye, had no idea that fifty years of movies later, his characters would still be alive and thriving. Something most of us can only dream about.
I'm looking forward to seeing Skyfall. Anyone else? Favorite Bond actor? Favorite movie? Bond moment? Bond girl, villain, location?


text: Jalan Alor, Kuala Lumpur ADD TO TRIP PLANNER REMOVE FROM TRIP PLANNER Located in the heart of Kuala Lumpur, Jalan Alor is one of Malaysia's most popular food haunts. Relatively quiet during the day, the street is transformed into a bustling outdoor food court when the sun goes down. Hawkers fire up their woks as hungry customers start piling in, sitting on makeshift tables and chairs lined by the roadside. Must Do Feast on local favourites such as char kuey teow, grilled chicken wings or fish, satay, chilli crabs, assam laksa and more When in season, try local fruits such as durian, mangosteen and rambutans from the fruit stalls along the street


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Transplants are not a cure for someone suffering pattern baldness, no matter the gender. A transplant will not counteract the effect of hair loss in areas that are bald or that have been bald for quite some time.
If there is little hair on the head prior to the transplant, without the inclusion of medication to regrow hair, the hair transplant length may stay the same and not be stimulated to grow any further.
How Much Does A Hair Transplant Cost in Massena IA?
Many clinics are reticent to state exactly how much a hair transplant will cost – due in part to the uniqueness of each persons hair loss requirements.
All in all, it is not cheap especially as some patients require a second session to achieve a thicker amount of hair. The cost will vary greatly depending on the following factors:
1. Physician – Who is doing the surgery and their level of experience.
2. The teams' experience that supports the head physician.
3. Location – Where you get the procedure done, i.e. medical tourism now caters for patients travelling to countries with a lower cost base for hair loss procedures including hair transplants, grafts, FUE treatments etc.
4. The method of hair transplant chosen-
(I) Strip method (on average) – the graft cost is between $3-6 per strip
(II) Follicular Unit Extraction (FUE) (on average)- as this is a longer process, it is more time consuming for the physician. Consequently the prices are normally double the strip method. The price may vary between $5 – 12 per graft.
A graft is a follicular unit and is how the hair appears in its natural form.
For example, you might have a particular graft that has 1, 2, 3 or 4 haired units. Each one is the same cost.
In terms of an overall price, think of your hand curled up to the size of a fist and place your fist over the spot where there is a bald patch. That space is approximately 1500 grafts.
Often patients will want double the amount, or have a second session to achieve greater density. An estimate for the procedure cost can vary between 3000 and 6000 grafts depending on the desire of the patient for thicker hair density.
Then multiply that by the number of grafts required.
There will be some patients who want a second session to ensure they have maximum coverage. The range is broad and only when you have had a consultation will you know a ballpark figure for your requirements.
Therefor expect an average cost to be between $3000 to $30,000.
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History of Hair Transplant
The origins of hair transplant surgery stem from Japanese dermatologist, Dr. Okuda, who in 1939 published a revolutionary method in a Japanese medical journal of using small grafts that were similar to the way hair transplantation is performed today. This method involved using hair transplant grafts to correct lost hair from various body areas, including the scalp, eyebrow, and moustache areas.
In the late 50's one physician in particular, Dr. Norman Orentreich, began to experiment with the idea of relocating or transplanting the hair on the back and sides of the head to the balding areas. Dr. Orentreich's experiments showed that when bald resistant hairs from the back and sides of the head were relocated, they maintained their bald resistant genetic characteristic regardless of where they were transplanted.
This principle, known as "Donor Dominance", established that hair could be transplanted from the bald resistant donor areas to the balding areas and continue to grow for a life time. This laid the foundation for modern hair transplantation. During the 60's and 70's hair transplants grew in popularity. However, the standard of care involved the use of larger grafts that were removed by round punches and often contained many hairs.
In the 80's hair restoration surgery evolved dramatically, as the large punch grafts were gradually replaced with a more refined combination of mini and micrografts. This "combination mini micrografting" hair transplantation procedure no longer used the punch to extract the bald resistant grafts. Rather a strip of bald resistant hair was surgically removed from the back of the head and then trimmed into mini and micrografts.
Types of Hair Transplant in Cass County
There are two main methods of Follicular unit hair transplant surgery. Follicular unit Transplant commonly known as FUT or 'strip surgery' and Follicular unit extraction, commonly known as FUE The main difference is the method of extracting the transplanted hair. FUT and FUE are really complimentary forms of HT, not competing methods of which one must make a choice.
FUT versus FUE
The 90's saw the gradual introduction of a very refined surgical procedure now known as "follicular unit hair transplantation" or "FUT". This exacting and labour intensive procedure transplants hairs in their naturally occurring one, two, three, and four hair "follicular unit groupings" in which they grow naturally.
The concept of creating the entire hair restoration using exclusively follicular units was proposed by Dr. Robert Bernstein and was described in the 1995 Bernstein and Rassman publication "Follicular Transplantation". Critical to the success of the follicular unit hair transplant procedure was the introduction of the binocular microscope by Dr. Bobby Limmer of San Antonio Texas in the late 1980's.
Dr. Limmer found that by using the microscope to examine the donor tissue he and his staff were able to successfully isolate and trim the naturally occurring follicular units into individual grafts. Dr. Limmer shared his techniques and findings with his colleagues and together with Drs. Bernstein, Rassman and Seager, was a persuasive advocate for the follicular unit hair.
The process involving follicular hair transplants is considered to be the most effective among hair restoration methods. In follicular hair transplant, the surgeon transplants hair from the permanent zone in the back of the scalp onto the affected areas.
Hair Transplants in 50853
If you need a large area covered, then you most likely want to go for FUT because it is the more economical in terms of number of grafts for price paid. If you absolutely, positively don't want strip surgery as you are worried about scarring, then FUE is your only alternative. Contrary to popular belief, both methods leave scars. FUT will leave a narrow line across the back of your head, whereas FUE will leave little unpigmented dots across the back of your head. The only difference is that the FUE scars are not concentrated together and therefore harder to detect when wearing hair very short.
There is no doubt that FUE procedures are harsher on the grafts than FUT procedures. Because of this the final growth yields tend to be lower for FUE compared to FUT. But BOTH procedures work for the most part.
Alternatives to A Hair Transplant
Other Hair Transplant options include:
a. 'Scalp Reduction Surgery' – this involves a local anesthetic followed by a strip of bald skin being cut from the scalp. The scalp is then pulled together across the removed part and stitched to bridge the gap on the scalp.
b. 'Flap Surgery' – this involves an extensive hair transplant whereby a large amount of skin tissue from the scalp is primed over a period of time to grow cells. Once the cells have grown, a large part of a bald section of the scalp is removed, to be replaced by the hair that has been primed to grow. Generally due to the complexity of this procedure, a hospital stay for several days may be required.
The transplant itself may take several hours (3-7 hours) and generally, patients return for several treatments to cover the scalp.
A pain-relief treatment plan is provided at the end of the process as the areas where follicles have been removed and then inserted is quite tender and will take time to heal.
It is important to note that there can be challenges during the process, which can include:
Infection – as the skins surface has been interrupted and exposed to the open air, it is important to minimize the risk of germs getting into the open wounds.
Antibiotics are generally prescribed to minimize the likelihood of infection.
Allergic reaction to the procedure or medication.
Bleeding and Scaring – Bleeding is usually contained by a cleanup at the end of the procedure and minimized through careful treatment of the scalp.
There can be scarring as a result of the skin being perforated. The doctor will prescribe a treatment and care plan to minimize scarring.
Nerve damage – where a person may no longer feel any sensitivity or over-sensitivity to the scalp site involved in the procedure.
It is important to remember that this procedure does not guarantee hair growth success and transplanted hair may fall out after several months.
But, the good news is that there are many people walking around with thick full hair, the result of a hair transplant that looks like 100% natural hair growth.


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The wheel that combines many contrasts and sets benchmarks in stiffness, handling and comfort. Now we are adding two further references to our wind and mountain wheel: Speed and visual appearance. The "increase" in speed is due to the CeramicSpeed bearings and the "improved" visual appearance to the totally black design.
This wheel will take you a further step closer to success. We have added an additional innovative component to all wheels of our SCHWARZED: CeramicSpeed bearings. It doesn't matter whether you are a pro or recreational rider, this wheel will inspire you. Just imagine: on a 180km race like a Grand Fondo or Ironman you could save up to 9 minutes. Minutes that can make the difference between winning and losing. The reduced rolling resistance increases your speed, makes you more effective and gets you faster to the finish line. You will increase your performance by better gear. As a sportsman you will also benefit from the longer service life of the CeramicSpeed bearings. The perfect combination of speed and fun.
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They were 3rd in last weeks poll and the two teams above them, Indiana and Miami, both lost this week. Gonzaga has never been ranked #1 but should be this week, as long as they don't get jumped by Duke.
I'm not a Gonzaga fan but that would be quite an achievement for a little school in the middle of nowhere.


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This biography was auto-generated by a GEDCOM import. It's a rough draft and needs to be edited.
Prior to import, this record was last changed 00:00:00 29 Dec 2004.
Thank you to Katharine E for creating WikiTree profile Overend-58 through the import of william thomson.ged on Jun 7, 2013. Click to the Changes page for the details of edits by Katharine and others.
Have you taken a DNA test? If so, login to add it. If not, see our friends at Ancestry DNA.
George is 24 degrees from Donald Howard, 19 degrees from Julia Howe and 14 degrees from Henry VIII of England on our single family tree. Login to find your connection.


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Emad Hajjaj
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For clients seeking additional assets for their portfolios, it's time to consider timberland real estate investment trusts (REITs), experts say.
Kent Croft (below, right) and Russell Croft, co-portfolio managers of the Croft Value Fund (CIVFX) in Baltimore, believe there is a strong case for investing in selected timberland REITs.
The four reasons the portfolio managers cite include:
1.Their investment characteristics
As trees grow, both per-unit price and volume increase at the same time.
The harvestable tonnage per tree increases, and the value of each ton increases as larger logs have more valuable uses. Together, these factors, even using depressed current prices, lead to nearly a 10% average annual growth rate in the value of a typical southern yellow pine tree from years 13 to 24.
Additionally, timberlands have very low capital requirements; all that's required is planting and periodic harvesting.
Low capital requirements lead to strong cash flow and attractive dividend yields from timberland REITs.
2. Use as an inflation hedge
Timber tends to increase in price with inflation.
Timberland operators may also exploit the mineral rights (the ownership of underground minerals) they have retained on their land; these rights also tend to appreciate in an inflationary environment.
3. Strong underlying demand
The Crofts believe that the demand outlook for timber is positive for the long term. They forecast that U.S. housing will continue to drive demand for the foreseeable future as each 200,000 in incremental housing starts increases North American lumber demand by 5%.
U.S. housing starts have improved significantly to about a 900,000 annual pace so far in 2013 from the 2009 trough below 500,000.
"Compared to the 2006 peak of approximately 2.2 million starts and an estimated normalized level of 1.6 million, we feel confident that housing activity has room to improve from current levels," said Russell Croft (left) in a recent report.
"During the worst of the U.S. downturn, Chinese demand for lumber partially filled the domestic demand vacuum and over the long term, and exports should still represent a larger amount of timber demand than in the previous decade," he explained.
Another potential long-term use for North American timber is cellulosic biofuels (wood pellets) used for power generation and transportation.
Cellulosic biofuels are more attractive politically than first-generation biofuels such as ethanol, because they come from non-food sources and generate fewer emissions.
Large timberlands operators have taken note of the potential upside from biofuel demand. In 2012, Plum Creek (PCL) announced a deal to provide 13 million tons of wood to a European utility provider starting in 2013; Weyerhaeuser (WY) and Chevron are working together on a biofuel joint venture.
(In addition to Plum Creek and Weyerhauser, other RIETS with over a million acres of timberland include Rayonier (RYN) and Potlatch (PCH).)
4. Positive supply dynamics.
There are positive trends on the supply side. The mountain pine beetle has killed up to 80% of British Columbia's mature pine forest since the mid-1990s and could ultimately reduce total North American supply by 15%.
Dead trees rot and become unusable for lumber and that has forced accelerated harvesting over the past decade.
Artificially high supply has depressed prices for lumber, but the Crofts believe the market is nearing an inflection point as British Columbian harvesting is set to return to more normal levels in the next several years.
This should aid pricing for the U.S. suppliers whose lands have not been affected.
The Croft Value Fund currently has slightly less than 4% of its assets invested in Weyerhaeuser and Plum Creek. The Crofts stress that they view timberland REITs as a long-term holding and note that there are risks to their projections. These risks include a slowdown in the demand for housing in the U.S. and China, and natural disasters on the timberlands, for example.
To a large extent, though, the Crofts believe market risks are manageable because the timber companies can control the timing of their harvests.
When the housing markets are weak, Kent Croft says, timber managers can let the trees stand. Trees are not like seasonal agricultural products that spoil quickly, so uncut trees continue to grow in value.
"If you don't sell, your assets are growing and increasing in value of use in that a larger tree is used for more things," he said. "So you can choose to harvest later with a more valuable product, if you will, and leave and not sell into a market where prices might not be so good."


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701 Tecumseh Road
Clinton, Michigan 49236
Handy single serve Pocket Snacks of Michigan family orchard Montmorency tart cherries. Organic and transitional-to-organic Eden selected cherries are infused with organic apple juice concentrate, slowly air-dried, and lightly misted with organic safflower oil to prevent clumping. Eden Pocket Snacks are the finest nuts, seeds, and dried fruits that we can find. They go easily to school, work, on errands, camping, and trekking. Keep them in the pantry for delicious, healthy snacking. No refined sugars, trans fats, sulfites, or preservatives. Very low sodium, fat free, and a good source of potassium, fiber, and vitamin A. Gluten Free and .
Eden Dried Cherries - Pocket Snacks are organic and transitional-to-organic - in the process of becoming certified organic while using chemical free organic methods. The Montmorency tart cherries are grown on the east shore of northern Lake Michigan, an ideal and historic tree fruit area due to the seasonal lake effect. A decade ago six families in this area asked Eden to help them convert their orchards to organic. These original orchards have been managed organically since, and more orchards are converting to organic each year.
Fresh picked cherries are cooled overnight in circulating pure water, then pitted and 'quick frozen'. Through this process they are inspected repeatedly, both visually and by machine. The cherries are thawed and infused with Eden Organic Apple Juice Concentrate until they reach the right 'Brix' or sweetness. Infused cherries are rinsed, low heat dried until they are shelf stable with no need of refrigeration, then lightly misted with organic Eden Safflower Oil to prevent clumping.
The Montmorency cherry is traditionally known as the 'pie cherry' and the 'healing cherry'. Where this cherry variety has been grown for generations, the locals attest to its abilities. A study at Michigan State University found the antioxidants anthocyanins, and their anlyon cyanidin compounds, in the pigment of the Montmorency cherry. They also found kaempferol, isoqueritrin, and quercetin. Research conducted at Brunswick Laboratories in Massachusetts and the Hollings Cancer Institute at the Medical University of South Carolina found that Montmorency cherries contain ellagic acid, a naturally occurring plant phenolic. Other compounds of note found in Montmorency cherries are perillyl alcohol and melatonin. Dr. Russell Reiter, of the University of Texas Health Science Center, said "We were surprised at how much melatonin was in cherries, specifically the Montmorency variety." According to research melatonin is a most potent antioxidant, even more so than vitamins C, E and A, it is soluble in both fat and water and can enter cells that many vitamins cannot.
Eden Dried Cherries - Pocket Snacks are very low sodium and fat free. They are a good source of potassium, fiber, and beta carotene vitamin A. Cherries red color comes from the powerful antioxidant compounds, anthocyanins.
|Dried Montmorency Cherries Pocket Snacks - 1 oz
|Item Number
|Montmorency Tart Cherries, Organic Apple Juice Concentrate, Organic Safflower Oil
|Case Quantity
|Package Size
|Each 1 oz
|Package Size Metric
|28 g
|UPC Code Each
|UPC Code Case
|Eligible for Flat Rate Shipping
|Very Low Sodium
|Yes, 35mg or less per serving
|Fat Free
|Yes, less than 0.5 g per serving
|Gluten Free
|Wheat Free
|Non GMO


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In a true-or-false quiz posed by LIMRA to more than 2,000 Americans, almost 80% failed. Just 10% got more than seven of the 10 questions correct. No one managed to get 100%. (See if you can here.)
"Overall, Americans expressed a great deal of confusion about how health insurance plans work," Anita Potter, assistant vice president of LIMRA's Group Insurance Research, said in a statement. "Not surprisingly, insured Americans had a better understanding of health insurance than those uninsured – but not by a large margin."
On average, those without insurance got only three questions right, but low scorers also tended to be young, less affluent and less educated. Students and unemployed people also got low scores.
Plan features and costs, and how different plans work, are what's causing confusion among respondents, LIMRA found. Most respondents know what health insurance is and how to access care.
The Affordable Care Act is also causing confusion. Just 14% said they know how health exchanges will work, and uninsured respondents — those most likely to use exchanges — less than 10% understand how they'll work.
More than a third of insured respondents said cost was the No. 1 factor in choosing a plan, but LIMRA found they were just as likely to consider how comprehensive the plan is. Among uninsured respondents, 60% said cost would the No. 1 factor in their choice of a plan.
"Our survey confirms that consumers need help determining what types of coverage are available and what they should buy to best meet their need," noted Potter. "Our industry can help by engaging and educating consumers now — so when they ultimately choose their health care insurance, it is done prudently."
Check out Administration Quietly Announces Another Obamacare Delay.


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Sales Manager - Corporate Solutions
Location: Hong Kong
Regal Hotels International Limited is one of the largest hotel groups in Hong Kong. We currently operate six quality hotels in Hong Kong and five in mainland China: four in Shanghai and one in Shandong.
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Regal Hotels InternationalHospitality, Food and Beverage
88 Yee Wo Street, Causeway Bay, Hong Kong
directions_walk5 mins walk from Causeway Bay Station


text: Wednesday, December 19, 2012 Education Added to Categories Available for PTA Recognition of Advanced Proficiency The PTA Recognition of Advanced Proficiency Program now recognizes physical therapist assistants (PTAs) who have achieved advanced proficiency as educators. Eligibility requirements include APTA membership, 5 years of teaching experience with 900 total contact hours of teaching, including 180 hours in the past year; 60 contact hours of continuing education, 45 in topics related to education; excellent references; and evidence of a minimum of 3 volunteer experiences. For complete details and to download application forms, visit APTA's website. The next application deadline is February 1, 2013. Comments Are these general guidelines to use for all of the PTA proficiencies? I will be working with the task force on curriculum for wound care proficiency and like the specificity of these guidelines. Thanks. Posted by Rose Hamm on 12/21/2012 1:13 PM


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33130 - Mathematical Modeling 1
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2012 Train-the-Trainer Workshops begin next week
With a mild winter and warm spring past us, this year it's hard to tell where one season ends and another begins. For those of us in CMS' Division of Training, a sure sign that summer has arrived is a new round of National Medicare Train-the-Trainer Workshops! Each year we host a series of two-and-a-half day, face-to-face training events in major cities across the country. Our goal is to share consistent, accurate, current and reliable information with partners who train others—"training the trainer"—so they're best equipped to help people with Medicare make informed health care decisions. Our Train-the-Trainer Workshop is a perfect opportunity to learn about changes to CMS programs you may have missed. If you've been to one of our workshops in past years, it's a good chance for you to brush up on your training skills. We try to keep our sessions lively, interesting and memorable with knowledge checks, exercises, and casework video scenarios. This year's workshops include:
- Information on key aspects of Medicare, Medicaid, CHIP, and related legislation
- A half-day basic track if you want a refresher or if you're new to Medicare
- A Web learning resource session to help you find information
- Plan Finder updates
- Casework exercises
- Medicare training modules and workbooks
- Opportunities to network with CMS staff and other partners who share your commitment
- A 2012 Resource Card—with the training modules, videos, job aids and more!
Learn more about the workshops and register by visiting our Train-the-Trainer Workshops Web page. We hope to see you in a workshop this summer!