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Everything You've Always Wanted to Know About Islamic Banking
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The size of this banking industry globally was close to $820 billion at end-2008. Iranian banks, for example, are fully covered under Islamic finance framework. In other Muslim countries such banks co-exist with conventional banks, a substantial portion of them situated in the Gulf Cooperation Council (GCC) countries, Pakistan, Sudan, Malaysia, and elsewhere.
The rapid diffusion of such institutions coincides with rising oil prices during the 1970s and after 9/11. The spread is also due, in part, to a recent resurgence of traditionalist Islam. However, such institutions are yet to make much headway in terms of credit supplied in many of these countries. Such banking is dwarfed by conventional banks even in countries like Malaysia, where Islamic banking is well developed.
Islamic banks are founded on the principle that they offer only interest-free products. They are envisioned to work as private equity or venture capital firms. The core principle required to be used is a participatory, profit and loss sharing (PLS) basis called mudaraba and musharaka contracting.
Non-participatory financing should be only for miscellaneous services for which banks should charge fees, not interest. However, in actual practice, the PLS or equity financing principle is found to be the least used. Most of the Islamic banks' investment consists of credit extended on non-PLS basis to profit-making businesses. Some 75 percent goes to markup or cost-plus (murabaha) lending and another about 10 percent goes to leasing (ijara) financing.
The reason is clear. The banks lack needed expertise in project selection and evaluation and requisite business experience for equity investment. That means that information that the concerned parties have about the PLS projects is asymmetrical, which necessarily makes Islamic banks more averse to financing such operations as involve risk and uncertainty than short-term trade or other businesses that assure certain returns. By using data for six Islamic banks of Bahrain for the period 1991-2001, Abdus Samad finds that only 0.9 percent of such banks' total credit went into long-term PLS (mudaraba and musharaka) projects.
At the other extreme, small-scale enterprises find it much harder to obtain finance from Islamic banks on the PLS basis than their larger counterparts, as banks consider holding equity stakes with small enterprises extremely risky. Working capital loans, critical to many small businesses, are rare. Aaron Maclean writes: "Those involved in the first wave of Islamic banks realized that equity financing does not make for a stable banking sector, and, after a series of shocks and bad investments, they became very conservative. It was a race to the loopholes—a search for means of sharia compliance less risky than straight-out equity investing."
In murabaha financing, the bank is to first buy the goods from the seller and possess them for a period, thus assuming liability, as in a normal trade, and then sell them back to the buyer who wanted the goods with a profit margin on the price. However, in practice, the bank does not take possession of the goods and there is virtually no holding period involved.
Thus the loan advanced by the bank is much like a normal loan of a conventional bank and the profit margin, in an annualized form, is akin to interest.
In the case of another popular instrument used, ijara financing, the bank collects rent with a profit on the property leased out to the buyer of, say, a vehicle or a house or some durable equipment. The bank enters into a partnership with a person who wants to buy a house. The bank pays, let's say, 80 percent of the house price and the individual 20 percent. The bank rents its share of the house back to the individual until it is fully paid for, collecting rent with profit over the interregnum period. The profit collected, on an annualized basis, is little different from conventional mortgage interest. The name change does not alter the essential nature of the charge.
"Whether the product is dressed up in Arabic terminology, such as Mudarabah, or Ijarah, if it looks and feels like a mortgage, it is a mortgage and to say anything else is semantics," writes John Foster.
The contracts such as deferred delivery sales (bay salam) and sales on deferred payment basis (bay muazzal) also involve time and credit elements on which the bank makes a profit agreeable to the bank and the buyer. But these contracts are very much in the nature of murabaha financing, involving interest in essence.
Islamic banks cannot just issue bonds (sukuk), a debt instrument, in return of a promise for a fixed rate of return. But they have found a way around the problem. For a bond to qualify as sharia-compliant, there must be an underlying asset backing it. However, the extent to which such bonds are really asset-based is a question mark. In Iran, for example, banks use a fixed rate of return for inter-bank financial transactions and those with government departments and public enterprises with little direct relation to actual profits on the ground of borrowing entities. Also, state-owned companies and municipalities can issue sukuk in foreign capital markets with prior approval of Bank Markazi (Iran's central bank) and Ministry of Finance. Islamic banks are currently making roaring business in bonds.
For the most part, Islamic banks thus fail to get rid of interest. This is not a bad thing, after all. Islam does not really ban interest that has come to play a very vital role in the modern economy. Islam bans interest that is exploitative, as in pre-Islamic days, which is referred to in the Quran as doubling and redoubling of usury in times of default (3:130).
This modern Islamic view on interest is best represented by noted Pakistani-American scholar late Fazlur Rahman (Rahman, 1963). I also make a similar point. Interest-free lending, which the Quran calls qarza-hasana or beautiful lending (2:245; 57:11, 18; 64:17; 5:12; 73:20), should be meant for individuals or entities that deserve humanitarian treatment.
The needy must be helped with grants (sadaqa), not loans.
By Abdur Rab, a retired economist and author of Exploring Islam in a New Light: A View from the Quranic Perspective, 2010.
*Photo Credit: Wikimedia Commons
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We stress the absolute highest levels of leadership, quality, material, and workmanship in every project we build.
85% of our work originates from repeat or past clients through dedication to client service, quality construction and exemplary integrity.
Walsh attracts, trains and retains the best people in the industry through our culture of safety, quality and workmanship, ensuring that each phase of the project is handled with care and expertise.
Our commitment to quality begins in the preconstruction phase, where our licensed architects and team members review plans, provide guidance, and share best practices, lessons learned and innovative methods.
Our continued success in working with MWESB firms is supported by a deep commitment to community outreach that begins with the principals of our company. Our Community Outreach Coordinators consistently maintain at least the minimum requirement for minority participation on projects in our public work portfolio. We most often exceed this requirement.
Walsh Construction Co. has always believed that building green is good business—good for our clients, good for building users, good for our employees, and, most importantly, good for the environment.


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Section Editors
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- Elke Winterhager, University Hospital Essen
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Improved FISH for planarians
Modification of multiple steps in in situ hybridization methods for the freshwater planarian Schmidtea mediterranea greatly increase signal detection and may prove useful for whole-mount fluorescent in situ hybridization (FISH) in other model organisms
Amphibian cell signalling requires insulin
Insulin binds to the plasma membrane in prophase arrested Rana pipiens oocytes, initiating a transduction pathway that changes the ionic permeability of the membrane and the intracellular pH, which is required to resume meiosis.
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From John Mayer talking about a very polite, drunk run in with Mark Hoppus, to members of Good Charlotte showing off their most embarrassing tattoos, to J. Cole beating Blink 182 on the charts, Mark Hoppus hits the leather couch each and every week to talk to the biggest names in music.
Guests like Ben Folds, Nelly, My Chemical Romance, Wiz Khalifa and more have sat down to talk with the bass player from Blink 182 about all things music.
Don't miss Hoppus on Music every Monday to Thursday at 3:30 pm ET only on MuchMore!
Posted: October 31st, 2011 | Category: Hoppus On Music, Uncategorized | Comments: No Comments
Tags: Hoppus on Music, Mark Hoppus


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Professional Learning
Professional Learning addresses the needs of the working professional. Our programs specifically designed by Winston-Salem State University professors, provide professional development opportunities in the areas of business, health sciences, and education. These courses are for non-degree continuing education credit. Several certificate courses may be offered online.
To enroll in one of the courses below, if paying by credit card please register using the online store. Or, if paying by check or money order, please mail it back to us along with this registration form. The last chance to register is 2 full business days before the start of the first class.
Current Offerings | |||||
Course | Dates | Day | Time* | Cost | Location |
Commercial Real Estate Development | 6/7 | Friday | 8:30-12:30 | $49 | Anderson Center |
*All times are in the evening, p.m. except for Commercial Real Estate (a morning course).
Business Modules:
BUS-108 Negotiations (Development-TBD)
Health Sciences Modules:
CLS-100 Clinical Laboratory Science (Development-TBD)
OCT-100 Occupational Therapy (Development-TBD)
PHT-100 Physical Therapy (Development-TBD)
Education Modules:
EDU-100 Education (Development-TBD)


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Toddler Found Dead
By: Leah Kirstein
Updated: January 11, 2013
REYNOLDSVILLE, JEFFERSON COUNTY - State Police in DuBois are investigating the death of a 2 and a half year old boy.
Police say they were called to a Reyondsville home and upon arriving found the boy dead.
The incident occurred around 8:00am on Thursday morning.
Police were assisted by Reynoldsville Ambulance, Reynoldsville Police, the Jefferson County District Attorney and the County Coroner.
An autopsy is currently underway. The investigation continues.


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There was a lot more to the Project 30 Task Force report -- a study recommending major reforms in the U.S. track culture -- than I could cover in my column on Deena Kastor's involvement in the task force
Before reading more of Deena's comments, you might want to learn more about the report.
A fairly detailed summary of the report is available here, at the USA Track and Field web site. There's a link at end of that page to a pdf file the full 69-page report, or you can get it here. It's not a quick read, and some of it is probably only of interest if you're a world-class athlete or a member of USATF, but it does provide more insight into and support of the task force's findings and conclusions.
If you're interested in seeing a few of the news reports on report's release, here are stories from the New York Times, the Washington Post, and from the Indianapolis Star by my friend David Woods, who has a very strong background in track and field.
With all that as prelude, then, here are some of Deena's other comments during a phone conversation from her home in Mammoth Lakes:
On how she became involved with Project 30 (named for the goal of 30 medals at the London Games):
"Aretha Hill Thurmond" -- a three-time Olympian in the discus -- "and I were added on a little late, because they realized they didn't have athlete representation. They had coaches and scientists and USOC members and USA Track and Field members on the panel. Really, the knowledge we had in front of us was unbelievable as far as statistics and past performances. I had a binder that was I don't know how many hundreds of pages long of past results from Olympic Games to world championships to individual performances and gold medalists and how things worked and didn't work -- the plans people had that worked and the ones that didn't follow through as well as planned. So it was really amazing to have that knowledge in front of me in the first place.
"And then to sit around the table and collectively make recommendations to Doug Logan, our new CEO of USA Track and Field, to how we're going to get 30 medals in the London Olympics was really exhiliarating, and everybody stuck on task and everybody was really passionate about how to make choices for the athletes to succeed four years down the road.
So it was a thrill to be a part of it. I learned a lot as well as gave a lot of my own personal information, as well as interviewing athletes -- each one chose to be anonymous, but interviewing athletes over the phone or face to face on their thoughts in the direction that they would need for success. And I brought their thoughts to the table."
On the task force's recommendation to eliminate the National Relay Program, an expensive -- and not particularly successful, based on recent results -- effort to prepare Olympic athletes for the 4x100 and 4x400 relays:
"From an athlete standpoint, I guess I was surprised that the relay plan, people thought it was so dysfunctional. Because I thought it was dysfunctional from the start, but I'm a distance runner, so I just chalked it up to me not understanding why we need to spend almost $100,000 on each men's and women's relay team to fulfill getting a baton around the track. It didn't seem like these athletes didn't need to be invested in that much.
"But I learned that a lot of people had a problem with it. So that was one thing that surprised me. I just thought I was naïve to the sport to think we needed that program."
To me, one of the more startling statements in the report was that "too few American athletes enter an Olympic Games with a goal of winning or even medaling," and I mentioned that to Deena.
"Right," she said. "And we looked a lot at performances at the Olympic Trials -- pre-Olympic Trials, Olympic Trials, competition in between the Olympic Trials and the Olympic Games, and people weren't having their best performances in the Olympic Games. So part of our intentions were to figure out how to do that.
"So we looked at the people who did have their best performances in the Olympic Games -- not just in Beijing, but in Athens and Australia and Atlanta; I mean, we looked back years and years to get data for this, to figure out what was that right combination of running and racing and trials preparation.
"We saw that in our recommendation of trimming down the length of the Olympic Trials, that most of our success comes in the World Championships, when our trials aren't as long. So that was one thing that alluded to maybe burning some athletes out, both on a monetary basis and an emotional and physical basis. So cutting that out seemed to help the athletes in many different ways, cutting the length of the trials.
"So there were so many details that we worked out. Some things didn't need to be changed at all because they worked well, and other things needed some severe rearranging and rescheduling."
She's aware that the people of Eugene, who will host the Trials in 2012 after having hosted them in 2008, have not reacted well to the idea of shortening the length of the trials. It was, after all, an economic boon to the city.
"We took that into consideration for only a moment," she said, "because our greatest concern was what's best for the athletes.
But when we looked at it very briefly, we thought, wow, it's worth tightening up the (trials). And we're cutting out maybe some of the rounds of the 100 and 200 by tightening the standards and not maybe having a two-day break between, we can really tighten up the package of our media exposure. So looking at it from a television standpoint, that it's going to be fast and fun and the tempo of watching these games is going to be exciting and entertaining rather than having these lulls and dead periods in between events, that there's going to be something going on, on the track or on the field, at all times, is pretty exciting to watch.
So I think it's going to end up helping a lot more than it's going to hinder people being away for a few extra days.
"I can see their concern with not having beds for as long, or not having hotels being filled for those extra five days or however many days they end up cutting it, if Doug Logan even decides to do that.
"So I can see Eugene's concern in that respect, but I think altogether, it's going to be a much tighter, more exciting package for everybody."
Officially, she noted, the task force has completed its job, but it will be given the chance to monitor what happens to its recommendations.
"We put so many hours of time into this. Our recommendations are complete; that's sealed and final, but we are going to meet a couple of times each year from now until London. Doug Logan, our CEO, just wants to make sure we're keeping him accountable for this. He hired us to come up with this, and he wants us to make sure that he's staying on task and in the right direction and moving at a good pace. So he asked us to meet for the next four years, just to make sure that things are progressing."


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Lightweight Productivity with Puppy Linux
Designed as an all-around Linux distribution, Puppy Linux [1] comes with applications that cover pretty much every aspect of productive computing. Even if you decide not to switch to Puppy Linux entirely, this tiny distro still provides an excellent showcase of lightweight applications you might want to use with your favorite Linux distribution. Because it would be impossible to cover all the tools and applications that come with Puppy Linux, in this article, I'll focus only on a few interesting lightweight applications that deserve a place in your productivity arsenal.
The tour starts with Fotoxx – a surprisingly capable photo manager with a user-friendly interface and a slew of nifty features (Figure 1). For starters, you can use Fotoxx as a simple photo viewer. When you open a photo with the Open button, Fotoxx automatically sets the folder in which the photo is stored as the working directory, and the Previous and Next buttons let you browse other photos in it. In addition, you can use the Index button to view your photo collection as thumbnails. The Edit Image menu provides access to all of Fotoxx's image editing features: the Tune tool for adjusting brightness, contrast, and color; Crop for cropping photos; Red Eye for removing the red eye effect from portraits; Sharpen and Reduce noise for improving image quality; and Rotate for rotating photos. Also, the handy Unbend tool can be useful for adjusting perspective – a problem that often occurs on pictures of tall buildings.
Read full article as PDF:
Puppy_Linux_Review.pdf (932.77 kB)Tag Cloud
SCO Rises from the Swamp
Longtime litigator revives an ancient suit against IBM alleging Linux infringes on Unix copyrights.
UberStudent Project Releases UberStudent 3.0
Specialty distro keeps the focus on advanced learning.
openSUSE Conference Approaches
The openSUSE Conference will be held July 18-22, 2013, at the Olympic Museum in Thessaloniki, Greece.
Drupal.org Hacked
Security breached at home sites of the CMS project.
Oracle Takes Action on Java Security
Lead Java developer vows policy changes and more attention to fixing problems.
Google and NASA Partner in Quantum Computing Project
Vendor D-Wave scores big with a sale to NASA's Quantum Intelligence Lab.
Mageia Project Announces Mageia 3 Linux
Many package updates and Steam integration highlight the latest from the Mandriva-based community Linux.
FSF Outs the World Wide Web Consortium over DRM Proposal
Richard Stallman calls for the W3C to remain independent of vendor interests.
Debian 7.0 Debuts
The new release supports nine architectures, 73 human languages, and zero non-Free components.
Alpha Version of Fedora 19 Released
Fedora developers release the first alpha version of Fedora 19, known as Schrödinger's Cat, for general testing. The final release is expected in July 2013.


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We always love our annual family vacations to Pheasant Park! It's only 2 blocks from the down town area & easily accessable for our Family with two young children to get out and do things. Our kids LOVE the pool area & the new City Sports Complex across the street. We've noticed new bedding in rooms, love it! The staff... More
- Also Known As:
- Pheasant Park Hotel Sister Bay
- Pheasant Park Sister Bay


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18 Holes of Golf For Two Including Hot Drinks, Breakfast and Driving Range Practice (£18) or With 40 Minute Golf Lesson (£27) at New Malton Golf Club (Up to 72% Off)
- Chemical free and wildlife-friendly golf course
- Green Apple Environment Award winner 2011
- Fresh, locally sourced food
The Deal
- Play 18 holes
- 50 balls each for driving range
- Option of a 40 minute joint lesson with a PGA pro
- Breakfast snack and tea or coffee
Limit 1 per 2 people. May buy multiple as gifts. Booking required up to 7 days in advance. 48 hour cancellation policy. Limited weekend availability. First tee time 7am. Smart casual dress code. Valid for any 1 item on the breakfast menu worth up to £3.50. Full English breakfast requires a surcharge. Max 50 balls in driving range. Lesson and 18 holes golf can be valid on separate days if necessary. Valid on option purchased only.
See the rules that apply to all deals.
Although it is a sure fire way of getting an eagle on every hole, bringing a caged bird to the golf course is rarely a good idea. Unleash fairway magic with today's Groupon from New Malton Golf Club. Choose from the following options:
• £18 for 18 holes of golf with hot drinks, breakfast, and 50 balls in the driving range for two (68% Off)• £27 for 18 holes of golf with hot drinks, breakfast, and 50 balls in the driving range for two plus a 40 minute golf lesson (72% Off)
Boasting the very greenest of greens, this eco-conscious club uses no chemicals in its day-to-day running, allowing iron-drivers to swing by for a course rich in natural plant and wildlife. The junior-friendly New Malton Golf fairways are ideal for a spot of familial competition, giving putters young and old the opportunity to swing for victory across 230 acres of tumbling Cambridgeshire countryside. Winners of this year's Green Apple Environmental Award, the club has a taste for the earthy, laying on a menu of locally sourced, fresh farm grub to stoke up appetites for a browse around their expertly stocked pro shop.
Duos can spot birdies of all kinds as they embark upon 18 holes of golf, starting off at the club house for tea or coffee and a breakfast snack such as a bacon and sausage baguette (up to £3.50). After conquering the breakfast menu, players have the option of attending a joint 40 minute lesson with a PGA professional, before practising their poise with 50 balls each in the driving range. After skills have been sharpened for tee time skirmishes, competitors can chip their way across the 6635 yard, awesomely green grounds.
Maton Golf Club is rated a swinging 4/5 stars on Google Maps and a 3.5/5 stars on 1golf.eu. Several golfers praised the club for having an organic golf course:
What I then encountered were state-of-the-art customer service, a lovely Cambridgeshire golf course with true and fast greens, some excellent holes, good variation, and superb value for money.
– Mark, Google Maps, Jun 2011
Whatever does the trick, this course is getting it right. Would I pay for organic? Honestly: No. But all-year fast and fantastic greens and a wonderful course with great value-for-money. Yes! Organic on top of that? Perfect.
– markbernet, 1Golf.eu, Jun 2011


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Nanofabrication Research Laboratory (NRL)
Research requiring nanofabrication is carried out in the new 10,000-ft2 NRL. The scientific focus in the NRL tends to be on developing new methods for the controlled synthesis and directed assembly of nanomaterials, in order to link nanoscale properties and phenomena up to the microscale and beyond. This research is expected to be strongly coupled with that in Catalysis and Nano-Building Blocks and in Functional Nanomaterials. Methods also are developed to functionally integrate the use of "soft" and "hard" materials, with a strong scientific focus on nanoscale biomaterials systems, coupling to research in both Macromolecular Complex Systems and in Bio-Inspired Nanomaterials. Clean-room space and electron beam- and photo- lithography capabilities provide support for users of all seven CNMS Scientific Themes.
Capabilities for User Research in the Nanofabrication Research Laboratory
NRL Cleanroom
The schematic floor plan below represents the final configuration of the NRL cleanroom after all equipment has been installed.
Updated Tuesday, 21-Nov-2006 10:10:55 EST - 0


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Information about cancer treatment, including surgery, chemotherapy, radiation therapy, clinical trials, proton therapy, complementary medicine, and cutting edge technologies.
Ways for cancer patients and caregivers to cope with cancer, side effects, nutrition, general cancer support issues, grief/end of life issues, and shared survivor's experiences.
Risk and Prevention / Environmental Factors (UV Exposure, Radon, Radiation)
"Asbestos" refers to a group of minerals that are made up of thin fibers. These fibers are heat resistant, which made them attractive to manufacturers of many products, including insulation, roofing and flooring, among many other items. Although asbestos is used much less frequently since associated health risks have been recognized, it was once used widely. Many people were exposed to asbestos in their jobs or homes and some by family members' clothing that carried the fibers home from their workplaces. Asbestos fibers remain in the lungs for a long time, causing inflammation, which can develop into cancer.
Exposure to asbestos increases the risk of developing lung cancer and mesothelioma (a rare cancer affecting the lining of the lung or abdomen). This exposure can cause non-cancerous lung problems as well, including asbestosis, pleural thickening and pleural effusions (fluid collection between the lining of the lung and the chest wall). These diseases can take 10 to 40 years after exposure to develop, making it difficult to pinpoint the exact time of exposure. Risk tends to be higher the longer or more intense the exposure, though asbestos-related illnesses are also seen in people with minimal exposure.
Though you cannot change your past exposure, you can be aware of the risks and make your healthcare providers aware of your exposure history. The combination of smoking and asbestos exposure further increases risk, so don't smoke or work on quitting if you do. Learn more about asbestos exposure and cancer, symptoms to report to your healthcare provider, and tests used to detect asbestos-related lung damage from the National Cancer Institute.
Common misconceptions and myths about pain medication and pain control. Read more.
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Calcium Leucovorin, Citrovorum Factor, Folinic Acid
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Leuprolide Acetate (Lupron®, Lupron Depot®, Eligard®, Prostap®, Viadur®) - For Men
Leuprolide Acetate (Lupron®, Lupron Depot®, Eligard®, Prostap®, Viadur®) - For Women
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Busulfan (Myleran®, Busulfex®)
Intravesicular Mitomycin (Mutamycin®, Mitomycin-C, given into the bladder)
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text:
Welcome to the AnimeFuel Community Forums, I'm the owner of this website Demon fox and lucky for you I'm not here to use my ninja skills on yah, plenty of time for that later I assure you. Instead I'll be telling you a little about this place.
As you should be able to tell by now you are not registered with us as of yet and probably need a good reason to do so. Between you and I we both know you're a lazy bastard and so if you don't even want to listen to the rest of my introduction speech you may as well just go register.
Otherwise here's what you can do on our forums once you've registered. When you register you will be able to chit chat in our forums, entertain yourself with games and share videos with other members. The forums allows you to get access to free downloads shared by members, fast and direct support with video problems from members and staff and make anime requests which are priortized above anyone else's.
There are many more things you can do but our aim is to bring together a community of video fans where you can feel comfortable and make lots of friends around the world. God knows you need them.
So get your butt over to the registration page and join my I mean OUR community. Oh and one more thing watch out for a crazy guy with a gun he's wandering around somewhere in these pages and you'll probably see him if you become really slack with the forum.
This message will self destruct once registration is completed.
Home | Forum | Register | FAQ | Members List | Army | Arcade | Search | Today's Posts | Mark Forums Read |
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01-19-2009 | #1 | ||||||||
Anime Fuel Newbie
Age: 37
Nice to know u Have a nice day online |
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01-19-2009 | #2 |
Anime Fuel Veteran
You too!
Name's Magic, Welcome to AnimeFuel! And have a Sunny Night!
I believe in Jesus Christ as my Savior. If you do too and aren't scared to admit it, then copy and paste this in your signature. Mike x Eric Supporter. ^ Thanks Viesta!! ^ Prevent SPAM from happening!! S-Stupid P-Pointless A-Annoying M-Messages Don't forget how beautiful you are! -Christofer Drew |
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01-19-2009 | #3 | ||||||||
32... Twice as old as I am... Wow... Welcome to Anime Fuel, oldy.
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Anime Fuel Veteran
Location: WI
hello and welcome to A.F
the person entering doesn't say welcome, the person who was already there does
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01-20-2009 | #5 |
Anime Fuel Reviewer
welcome to a.f!
*hands u a toffee
EX : i stiLL Love him more
dan anyone in dis worLd. i Love him more dan my Life. i'LL give everything for him. i wiLL nver make him cry. i Love him so much dat i'LL die for him. i'LL Love him forever.. GF : i Love him. EX : wat ? dats oL ? GF : and.. .. HE LOVES ME. :P |
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B. Adam Burke
North Liberty Leader
02/13/2013 - 10:02pm
IOWA CITY– The Yes votes were out in force for the Iowa City Community School District (ICCSD) revenue purpose statement (RPS) vote on Feb. 5, easily passing the language written to inject some cash into school facilities in a district-wide vote.
Superintendent Stephen Murley sounded ready to go to work when results of the revenue purpose...
North Liberty Leader
02/06/2013 - 9:40pm
NORTH LIBERTY– Storybook professions came to life at the One Book, Two Book Festival held concurrently in Iowa City, Coralville and North Liberty on Jan. 13.
Kids clamored for compelling tales of airplane pilots, farmers, bakers, police officers, politicians, athletes, train conductors and doctors at the celebration of children's literature. Face-...
North Liberty Leader
01/29/2013 - 7:19pm
IOWA CITY– Early voting has already begun at the county auditor's office ahead of a Feb. 5 vote on an Iowa City Community School District (ICCSD) revenue purpose statement (RPS). Satellite stations will open on Jan. 31 at University of Iowa Hospitals, and Feb. 1 at the Iowa City Public Library.
Voters are deciding if the schools should move ahead...
North Liberty Leader
01/29/2013 - 7:17pm
IOWA CITY– On Nov. 5, after being elected with Karla Cook as co-chairs of the governance committee, Sarah Swisher gave the board her goal for 2013: a new diversity policy based on free and reduced lunch rates at the schools.
She cited similar policy in Des Moines and Waterloo districts where a socio-economic approach attempts to keep schools...
North Liberty Leader
01/22/2013 - 7:53pm
IOWA CITY– Contracts with Iowa City and Coralville for the county-wide para-transit bus service, SEATS, will expire at the end of June. But Johnson County supervisors have already decided they want to end their subsidy of the service.
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UK: Barriers Test Stewards Cup Entrants
Friday, 3 August 2012
: At today's draw for Saturday's featured sprint handicap on the final day Glorious Goodwood - the £100,000 Blue Square Bet Stewards' Cup - the 10/1 co favourite with Blue Square Bet, Jamesie was given stall nine.
The Irish raider's trainer, David Marnane, was absent, but his representative, Robert Giles was happy to take a stall that will see the four-year-old line up towards the far side rail under jockey Neil Callan. Since 2011 low numbered stalls are based on the far side, high numbers stands' side.
Mick Easterby won the race last year with Hoof It and he will saddle Ancient Cross (20/1)in a bid to follow up on Saturday. Richard Fiddes drew 13 for Ancient Cross, and said: "Our ideal stall would have been 11 - we don't think there are a lot of pace horses in the race and our horse likes to be covered up for a late burst. We were really looking for the far side [a low draw], but at least in 13 we should have the choice of racing on either side. That flexibility could be crucial if the ground changes over the next few days."
Yorkshire trainer Richard Fahey was present to pick a stall for his own horse, Alben Star (12/1), but also for a quartet of horses trained by his colleague, Kevin Ryan. The first of Ryan's horses to emerge was Bajan Tryst (33/1) and Fahey wasted no time in picking stall one.
Fahey said: "I had little choice by the time Kevin's horses came out of the draw. Kevin and I were both keen to go low so I took one for Bajan Tryst, but by the time Alben Star came out there was a bit of pace high and some fancied runners too, so I opted for 22."
Sussex trainer William Knight will saddle top-weight Palace Moon (20/1), whose name was drawn early. With plenty of choice, Knight went for stall 20 then said: "It's a bit of a lottery, but Andrew Balding's Dungannon, who has a good chance, came out just before me and is nearby in 24. I don't know how much bias there will be in the ground so being near horses with chances, who will take him into the race, is possibly more important. Looking at it now there's enough decent horses around us.
"In previous Stewards' Cups, there have been plenty of winners in the middle to far side, but I always feel closer to the stands is an advantage in sprint races. I didn't want to be stuck in the middle so I'm pretty happy. I just hope the rain stays away because he's in the form of his life."
The perennially popular Hawkeyethenoo (10/1) will race from stall four after bloodstock agent Jeremy Brummitt picked that draw for Jim Goldie's horse. Brummitt, a close friend of the trainer, said: "We walked the course beforehand and there is fresh ground for three or four lanes on the far side - that will change with racing on it, but we felt the ground would dry quicker over there. We took an even number so the horse wouldn't be standing in the stalls too long [horses in odd-numbered stalls are loaded first]."
Nicola Topper, travelling groom to Mick Channon, chose stall seven for Atlantic Sport (25/1), then said: "Mick wanted a low number between three and nine, and preferably to go where the pace is, but his name came out of the draw early before many of the fancied horses had been picked."
A low draw was preferred by Ralph Beckett for Oasis Dancer (33/1), and his representative, Gary Plasted, was reasonably happy with stall 12 - "That was the lowest that was left by the time his name came out," said Plasted - while Roy Thorpe was asked to pick a number by Marco Botti for Whaileyy (20/1) and he nominated 27. "He just wanted a high draw and having got it, that's the winner!" said Thorpe.
Also hoping his horse, Dungannon (14/1), could trap from a high position was Andrew Balding, who was represented by Richards Phillips (not the racehorse trainer). Phillips picked stall 24 then said: "Andrew wanted a high, even draw to prevent the horse standing in the stalls too long. He's a horse that likes plenty of pace because he is held up and comes from behind."
Geoff Snook, who drew stall 21 for the Charlie Hills-trained Shropshire(16/1), said: "I spoke to Charlie earlier and he said he would rather have a high draw than a low one."
The far side of the track was David Barron's choice as he had two of the first nine picks in today's draw for starting positions in Saturday's Blue Square Bet Stewards' Cup. He chose stall number two for Elusive Prince (20/1), who was first out of the hat, and went for number six for stablemate Waffle (12/1).
Barron has won the £100,000 six-furlong handicap twice, with For The Present in 1994 and Coastal Bluff two years later. The former was drawn 19 and the latter 29, both on the far side. Until last year, the stalls at Goodwood were numbered from left to right as the horses face. But since changes made by the British Horseracing Authority to come in line with other racing jurisdictions they are now right to left, with number one on the designated inside rail of the course.
"Traditionally the far side is best, and that's where we've won from, so no point in changing," said Barron, based at Maunby, North Yorkshire. "Elusive Prince is a naturally forward-going horse and the gallop he can set up will give Waffle something to run at.
"They're both well, and should run well. That's all you can ask for and anything else will be a bonus. I think what you can say is that if it is won by a northern-trained horse, it will be on the far side. I think we've all stuck together."
Stall number nine was the one wanted by the Bastiman family, who will send Borderlescott (16/1) to the Goodwood sprint for the fifth time. The 10-year-old, the oldest horse in the field, won from stall 19 in 2006 and finished second, beaten a short-head, and third the next two runnings. The gelding's record at Goodwood is remarkable; in six runs he has never been out of the first four and in 2010 won the Group 2 Gordon's King George Stakes.
"We worked out that stall nine was the same one as he won from before they changed the numbers," said trainer Robin Bastiman's wife Pauline. "But the time we got to pick, it had gone and the nearest we could have was 11. But we're happy with that, it's near enough where we wanted to be."
Daughter Rebecca, who looks after Borderlescott and rides him daily, reports the old warrior in top form. "He did a fantastic piece of work yesterday and felt like he'd still got it," she said. "And he seems to like Goodwood, so we're sure he'll run well. But the most important thing is that he comes home safe."
Borderlescott will arrive at the track from his stable near Wetherby tomorrow, with his travelling companion Fantastic Storm. "He's a three-mile hurdler, so we've got the fastest horse in the yard and the slowest horse together. But they get on well and Storm's presence keeps Borderlescott calm."
As a Scot, Mark Johnston will be familiar with Rabbie Burns' concept of the best-laid plans going a'gley. As they did for the Middleham trainer at today's draw for starting position for Saturday's Blue Square Bet Stewards' Cup. Johnston, one of the few trainers to make a point of attending the ceremony in person, had done his homework and was poised to opt for a middle to far side position for his runner Es Que Love (16/1).
But in the event, the three-year-old's name was last of the 28 out of the hat and was allotted the last remaining empty stall, number 17. Johnston can, though, take heart from another who had Hobson's choice over starting position, the 2007 winner Zidane.
"I'd done a bit of research," he said, "and the middle seems best for a win and the far side for places. But what seemed absolutely clear was that you don't win on the stands' side. I could have saved myself a bit of a rush to get here."
Johnston is bemused over the British Horseracing Authority's decision last year to alter the direction of starting stalls numbers to come in line with other racing jurisdictions, formerly from low to high from left to right as the horses face but now from whatever is the designated inside running rail of a course.
"The old system used to be perfectly logical," he said. "But now, it sometimes doesn't make sense. Here at Goodwood, for instance, where there are loops and changes of direction, it seems one way for the two-mile five-furlong stayers' race, where they start facing down the course, and the other for the sprints.
"It doesn't make sense to try to come into line with other authorities when the tracks in Britain are so different, not just uniform ovals. Like Windsor, a figure of eight. I can't get my head round it."
There are eight runners for the other feature race on Saturday, August 4, on the final day of Glorious Goodwood, the Group One Markel Insurance Nassau Stakes headed by the John Gosden-trained stable companions Izzi Top (William Buick) and The Fugue (Richard Hughes) plus Investec Oaks winner Was.
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Experimental and numerical investigation of the stability of overhanging riverbanks
Samadi, A., Amiri-Tokaldany, E., Davoudi, M.H. and Darby, Stephen E. (2012) Experimental and numerical investigation of the stability of overhanging riverbanks. Geomorphology (doi:10.1016/j.geomorph.2012.03.033).
Full text not available from this repository.
Although different types of riverbank mass failure have been studied by many researchers, many uncertainties remain in predicting cantilever failures, in part because of a lack of detailed observations of this type of bank collapse. In this study, a laboratory study of cantilever failure was carried out using two types of materials to form overhanging banks with three different densities. The laboratory results show that the occurrence of toppling failures is more probable than the simple shear–type mechanism that has been analyzed most frequently by prior researchers. We go on to model these toppling failures numerically. Specifically, a Mohr-Coulomb model, within the framework of SIGMA/W software (ver. 7.17), was used to simulate the stress–strain behavior of the experimental banks. The numerical results for loess materials are in good agreement with the laboratory observations, but the simulations do not replicate experimental failures observed in higher density, more cohesive soils
Item Type: | Article |
ISSNs: | 0169-555X (print) |
Subjects: | G Geography. Anthropology. Recreation > GB Physical geography |
Divisions: | Faculty of Social and Human Sciences > Geography and Environment > Earth Surface Dynamics |
Item ID: | 336920 |
Date Deposited: | 11 Apr 2012 13:49 |
Last Modified: | 11 Apr 2012 13:49 |
Contributors: | Samadi, A. (Author) Amiri-Tokaldany, E. (Author) Davoudi, M.H. (Author) Darby, Stephen E. (Author) |
Date: | 5 April 2012 |
Status: | Unpublished |
URI: | http://eprints.soton.ac.uk/id/eprint/336920 |
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Message board »Message Board home »Sign-in or register to get started
Online now: 0 members ; 49 anonymousDiscussion: world series
Posted | Discussion |
Aug. 27, 2007 turn2 482 posts | world series does anybody know how the major plus teams did in the world series on mn? thanks, donnie turn two |
Aug. 27, 2007 the wood 1020 posts | Donnie; CT Sportsplex won the 55 major + division... GSF took 2nd ... MTS took 3rd and Grimes Trucking was 4th. I cannot tell you about the other divisions. Bob Woodroof |
Aug. 27, 2007 turn2 482 posts | bob, thanks for the update. you guys have a great team and i am glad we are not in battle with you guys this year. see you in vegas. later donnie turn two |
Aug. 27, 2007 the wood 1020 posts | Thanks, Donnie. I wish that you were still in our division as we enjoyed playing you. :-) |
Aug. 27, 2007 turn2 482 posts | bob, same here. we also had a great time playing you guys and i am sure we will see some of you up here with the older guys before long. good luck, donnie |
Aug. 27, 2007 Dudley Men's 60 23 posts | 60 Major +.....1st: Old A's.....2nd: Scrap Iron 60 Major...1st: Nevada Gold....2nd: Rochester Legends...3rd: Minnesota Supreme |
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Tuesday, April 5, 2011
Papermaking With Preschoolers {Tutorial}
9 comments:
Looks fun! I included a link on my blog here:
This is such a fantastic idea! (Especially the seed part!) I think this will be the perfect craft/gift for my preschool class to make into Christmas ornaments! =)
I saw this on Bill Nye the Science Guy when I was a kid. For the screen you can also use a metal hanger made into a square with an old nylon over the top of it if you do not have the window screen and wooden frame available!
I love the idea of making the paper plantable!
Here's an option for doing this without lots of felt sheets to dry them on. I learned to make paper while in Japan, and I was taught to stick the wet paper to a window, pull off the felt (I actually use a flat piece of plastic instead of felt) and let it dry. Once dry just peel it off carefully. Sometimes I have to use a straight edge to start a corner. This way the paper dries perfectly flat, and you get the bonus of "stain glass" windows for a day or so. :o)
Paper crafts became a lot easier after I read this post. I was with my little lady while I was reading this and she got really interested in learning on how to make her own paper craft. Well, I think I better search for what we can shred and the materials that we'll be needing for the project. Anyway, I hope you can still post more of these fun activities that can teach kids about the importance of recycling. :)
Ruby Badcoe
My boy just pulled his homemade paper out of his backpack and handed it to me. They made it in school. I think the younger kids would have a blast doing this! Pinned :)
Fantastic, the most perfect craft for kids...they'll be amazed with paper making!


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text: Our trustee sale is scheduled for July 11. If all goes well, there will be no postponements. If the sale happens, when can I cancel the insurance? The next day? I'm not sure at what point the house is out of our names. Once it goes back to the bank are we off the hook for the insurance?


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Cancelled schedule for tomorrow.
The Des Moines Register is reporting that former Pennsylvania Sen. Rick Santorum was taken ill and hospitalized while travelling in South Carolina on Saturday. According to Santorum's spokeswoman Virginia Davis, Santorum "became ill and was admitted to the hospital for a gastro-intestinal illness and dehydration." The illness caused Santorum to cancel two events in Iowa that had been scheduled for Monday. Davis said Santorum is expected to return to a full schedule later in the week. Santorum was recently in South Carolina to support and campaign for Curtis Bostic in the South Carolina First Congressional District race. Santorum's son John attends The Citadel. In a Twitter posting on Friday morning, Santorum said he was visiting The …
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Got a case of the trots huh from eating some disagreable shrimpNgrits?   more ›


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I'm an idle sod, and rarely do much hard walking/outdoor crafts.
I do, however, like my nights out in my hammock.
I've noticed with my Tatonka flysheet, group buy hammock(and sometimes midge net), underquilt, Nanok bag, water, scran... my Sabre 45 is getting quite... full.
Not heavy, mind. Just... full.
So, I wanted a bigger pack. Kevin at Endicotts has said he'll let me (and doubtless hundreds of others) know if he gets any more Size 4 Vulcan IIs in - being a cheap get, I wanted a Grade 1.
Any other suggestions for robust cheap packs that will fit 6'3" EFBs?


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Sneak peek: Fall and holiday email designs
It's never to early to think about what holiday templates are on your wish list
Good news: Even if you're not ready to think about the holidays just yet, Emma's design team is. We're having all kinds of fun thinking up new free (yep, free) readymade template designs for fall and winter, and we couldn't wait to give you a little preview.
These designs and more will be available in the template gallery soon. Oh, and as always, we'll offer *custom* holiday design to help with your year-end promotions and greetings.
What kinds of holiday themes and uses will you be looking for in a template? We're still creating these designs, and we'd love your input. Leave us a comment with your idea.
If you are ready to plan for the busy holiday season, check out these holiday blog posts of yore:
Prepare your email marketing for the holiday season


text: Corporate KIDE is the first Native owned community radio station in California, and the first solar powered radio station in California. We are still the only solar powered Native owned in the nation. Foundation support purchased our solar power system. Corporate collaborations allowed us to foster broadband wireless internet service for the Hoopa Valley community. Our efforts to bring the voice of Native people to the airwaves is a never ending process. The more successful we are, the more Native voices are heard. Because we share local programs with other network stations in California and the world online. We train and give experience to local Native people on how to create news and human interest features. Our goal is to bring California Tribal issues to the world. Your corporation can join our endeavors to maintain our environmentally friendly business and to sustain the talent and knowledge of California Tribal producers and journalists. The cost of these programs vary. Please contact Joseph Orozco, Station Manager for details. |


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Welcome to Global Cooling & Postharvest's Webstore.
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