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Some 20 years ago, financial editor and writer Joe Nocera (now an op-ed columnist for The New York Times and author of "All the Devils Are Here") explained to a group of us editors at Worth Magazine why our baby boom generation had gotten a bad rap for being such profligate spenders: "We grew up during the 1970s, when double-digit inflation was the norm. Holding cash when money was losing 10% or more of its value every year made no more sense than putting your money in a bank in the 1930s (when many banks failed, taking their depositors' pre-FDIC insured savings with them) did for our parents or grandparents."
I was once again reminded of Nocera's comment in a conversation with Scott Colyer, CEO of Advisors Asset Management in Monument, Colo., a firm that provides fixed income solutions, monitoring, education and industry-leading hand-holding services to independent advisors: "The general population has not dealt with a bear market in fixed income." Colyer also said that baby boomers lived through the debt-fueled bull stock market from 1982 to 2000 (when the S&P 500 climbed from 112 to 1,499), but the following Generation X largely came of financial age between the dot-com crash of 2000, and the mortgage meltdown of 2007 and 2008 and its aftermath, rendering virtually the whole 10 years a "Lost Decade" for many retail investors.
The point is that investors are, more often than not, a product of their experience: People who lived through the 1930s learned not to trust banks or stock markets, and consequently tended to believe in FDR's New Deal and a much bigger government (including Social Security) to protect them. The parents of us baby boomers made fortunes in the booming stock markets of the '50s and '60s, and their residential real estate, which in many places saw five-fold or greater increases in value (people didn't move around much back then). Consequently, they were big believers in the American Dream. Meanwhile, we baby boomers had our bull market experiences erased by the Lost Decade. Boomers and the Gen Xers, who never had those fond memories, both watched as our retirement portfolios lost half or more of their values and only recently crawled back to break even, if that.
As a result of the ongoing financial turmoil, many of today's investors have lost faith in the stock market and the financial institutions that they believe manipulate it. This is both good and bad for independent advisors. On the bright side, independent firms are adding new clients in numbers not seen since the tax-shelter days of the early '80s. The other side to that coin is that these new clients are more risk averse than clients have been any time since the go-go market crash of 1969 (which motivated Bruce Bent at the Reserve Fund to invent money market funds, giving those fearful investors a place to park their money on the sidelines). As a result, they either want to keep their money in cash equivalents or put it into bonds—neither of which seem likely to enable them to reach their financial goals or meet their financial obligations. The professional challenge for today's advisors is to find a way to talk their clients down from their own fiscal cliffs.
The current problem with bonds is that they represent another facet of the baby boom and Gen X experience—albeit one that's rarely talked about. Ignacio Pedrosa, head of institutional investors for EDM Asset Management, an investment firm based in Spain, wrote in an Instablog published by SeekingAlpha.com on Dec. 17: "Since 1981, American treasury bonds have increased virtually without interruption and offered a spectacular annual return: 12.6% in the 1980s, 8.8% in the 1990s, 7.7% in the previous decade, and 20% in this decade so far. Accordingly, government bonds during the last 30 years have been considered to be risk-free assets. […] Investors in government debt securities have been used to holding assets with low volatility, which, in addition to paying a coupon, always increase and maintain their price."
With their confidence lost in equities (which ironically have posted handsome returns in recent years), investors and their advisors have increasingly turned to bond funds. "Since 2008, investors in the U.S. alone have invested $1.1 billion in [bond funds]," continued Pedrosa. "At the same time, [equity funds] have suffered redemptions of [$400 million]. In other words, more than double the amount redeemed in equity funds was virtually invested in fixed-income funds."
Of course, the question that most of today's investors fail to ask—and therefore rely on their advisors to raise, whether they want to hear it or not—is how long the bond market can continue to deliver these stellar returns. Rather than the result of an economic boom and investors scrambling to participate in it, the current bull market for bonds has been artificially created by the Federal Reserve, as it quantitatively eased interest rates down to essentially zero (the value of bonds naturally goes up when new bonds with lower coupon rates are issued). However, if and when it does, those low-interest bonds will suddenly become a lot more risky. Colyer at Advisors Asset Management put it succinctly: "Bonds are more popular today than in 1999. That sounds like a market top."
Pedrosa was more expansive: "We must not forget that the primary mandate of the central banks is to control inflation. As soon as any inflation rears its head, the bonds will begin their downturn. If the yield of long-term debt returns to its historical average, the price of 10-year American bonds will depreciate by 26%. In the most extreme case, such as that experienced in the 1980s, the price of the 30-year bond would fall by 80%. The last time the American T-Bond was traded at current levels was 1946. Its return over the next 30 years was negative in real terms: For the following three decades, bond investors lost purchasing power."
AdvisorOne.com's Mike Patton is equally concerned about looming inflation and the higher interest rates that would come with it. In a blog published on Dec. 24, he wrote: "Today, the most disconcerting issue to me is the reckless fiscal path on which we are traveling. America is amassing debt at an alarming rate. Moreover, with the Fed functioning as the chief supplier of capital, there is theoretically no limit to the amount of debt we can amass. Of course, unabated money printing does have its consequences. At some point, this easy money policy could well blow up in our face, causing interest rates and inflation to spike. This is a scenario that does not end well."
The silver lining here is that our growing national debt, and the specter of inflation and the higher interest rates that go with it, provide the basis of an investment strategy that today's clients can readily understand. Baby boomers already understand the dangers of inflation from their childhoods, and Gen Xers have lost so much faith in financial institutions that the notion that we are propping up our current low-interest environment with smoke and mirrors will be no great revelation.
For those advisors who prefer a broader strategy than simply "equities seem poised for a rally once interest rates start up," there are ways that fund managers and advisors can manage the risk inherent in bonds. "We teach advisors to be smarter bond investors," said AAM's Scott Colyer. "For clients who need, or simply demand, bond exposure, we suggest moving up the yield curve to better protect principle; shortening duration; and using laddering strategies to diversify risk and to take advantage of rising interest rates."
Mike Patton suggests two other possibilities: "Emerging market bonds should continue to do well as their central banks reduce rates. Also, it appears real estate has bottomed and a good quality real estate fund may be warranted."


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Let's see how many people dislike the same character...or who just simply dislike!
Post A Character you dislike
I dislike Kakashi for two reason he isnt a Uchiha , but using the sharingan . And he killed Rin, but always *****ed at Sasuke in part 1 about friends n crap..

subset: commoncrawl


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After Irene and after FEMA: 'We will be a model'
JAMAICA -- There may be other options worth exploring for the property owners who have given up on FEMA.
"Whatever happens in our situation, we will be a model for other people going through the same situation," said David Kaneshiro, one of the four previous homeowners on Water Street whose house had been destroyed by Tropical Storm Irene.
Senior Planner Kevin Geiger of Two Rivers Ottauquechee Regional Commission has sent out e-mails requesting that these property owners bring some information to a special meeting that will be held on Jan. 31 at the Jamaica Town Office.
Two Rivers Ottauquechee Regional Commission has different services but it has also played a role in different Irene recovery projects. One of the things that the organization does is individual assistance, which would pertain to these property owners.
Geiger wants the property owners to bring the contract from their mortgage holders and the amount still owed. He also wants any letters from FEMA and insurance companies.
"They must have questions for the homeowners," said Jamaica Selectboard Chairwoman Alexa Clark. "This will be more of an informational meeting, so we can decide whether we go through with it."
There are a few avenues that the Jamaica Selectboard and the property owners could take. Some options include getting assistance through the U.S. Department of Housing and Urban Development, other banks or private donations. The town could potentially buy the land as well.
"It's going to be interesting to have them (Two Rivers) there to see what they're going to offer, how long it's going to take and the restrictions," said Clark. "We know what questions to ask now and what we're looking for."
Since the buy-outs from FEMA have been deemed ineligible after the last attempt at applying for the Hazard Mitigation Grant Program, the property owners are looking for another solution.
The Jamaica Selectboard, which has been working with homeowners, the state and FEMA since Tropical Storm Irene, has a lot of questions that will need to be answered before the board can move forward and figure out what the best possible route will be.
State Hazard Mitigation Officer Ray Doherty had performed a cost analysis and told the property owners they wouldn't qualify for the HGMP funds.
Since Irene, the property owners have looked for a solution to their problem. The Stratton Foundation helped them, David Kaneshiro told the Reformer.
"They have helped us out a little bit financially in the very beginning," he said. "They also helped me arranging this place here (in Weston) with some of the furnishings, too. They went through a lot of effort for the other three, too."
While Kaneshiro and the three other previous homeowners hold out for another verdict, the Stratton Foundation continues to try to do what it can for the victims.
"They're standing by to see how everything rolls out," said Kaneshiro.
One of the members of the foundation is district State Representative Patti Komline. Kaneshiro said that she has been in touch with people from the state who are trying to help.
About a month ago, a disaster recovery case manager from Southeastern Vermont Community Action had been assigned to assist Kaneshiro. He had received contact from his case manager after the property owners were informed that they could be deemed ineligible for HMGP funding.
"We've learned a lot," said Clark. "The Selectboard is being very cautious with this next avenue. We have to be."
Chris Mays can be reached at 802-254-2311, ext. 273, or email@example.com. Follow Chris on Twitter @CMaysReformer.
If you'd like to leave a comment (or a tip or a question) about this story with the editors, please email us. We also welcome letters to the editor for publication; you can do that by filling out our letters form and submitting it to the newsroom.


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Wednesday, February 2, 2011
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Regardless of whether Valanciunas comes over or not, one thing will stay the same: The Raptors will suck. Be prepared for another year of losing and frustration, the good news is that the 2012 draft is already being compared to the 2003 draft.
http://insider.espn.go.com/nba/blog?...=ESPNHeadlineshe 2011 NBA draft had one of the weaker classes of prospects we've seen, particularly at the top. With a number of the best underclassmen deciding to stay in school another year, the draft lacked the usual quantity of top-tier talent.
The flip side: The 2012 draft is looking awesome.
With so many returning college players eligible for the 2012 NBA draft, plus a stellar freshman group streaming in, our 2012 Top 100 list will be very strong -- in fact, one NBA scout says it's the strongest draft class since the famous LeBron-Melo-Bosh-Wade class of 2003.
At the very top is Kentucky recruit Anthony Davis, the No. 1 prospect according to numerous NBA scouts and executives. Davis is a lanky big man who just went through a major growth spurt. He runs the floor, rebounds, blocks shots and plays above the rim. Though he needs to get stronger, he's a big-time talent.
Opinion about the top choice isn't unanimous, however. Several scouts and executives have Harrison Barnes projected as the top pick. The North Carolina swingman got off to a slow start in Chapel Hill but came on very strong toward the end of his freshman season. With his high basketball IQ, versatility and silky smooth athleticism, and with the Tar Heels poised to be the best team in the country, Barnes will get plenty of attention.
In 2012 we're projecting nine freshmen as potential lottery picks: Davis, Kentucky's Michael Gilchrist, Baylor's Quincy Miller, Florida's Bradley Beal, North Carolina's James McAdoo, Duke's Austin Rivers, Kentucky's Marquis Teague, Texas' Myck Kabongo and Memphis' Adonis Thomas. It's unlikely they all squeeze into the first 14 picks (if they decide to leave school), but the talent is there.


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Fist Bumps & the Zombie Apocalypse
57 comments post a comment
A fist bump transmits about 1/20th of the pathogens as compared to a regular handshake.
Are you concerned about the possibility of a Zombie Apocalypse or do you scoff at the thought of such an eventuality? If the latter, would you be surprised to hear that the US military has an elaborate plan should a Zombie Apocalypse befall the country? This is detailed in an unclassified document titled "CONOP 8888" as reported in this CNN article. Similarly, the Centers for Disease Control and Prevention (CDC) has this web page devoted to Zombie preparedness.
Of course, no one really expects a true Zombie Apocalypse per se. This concept is just intended as a metaphor for a real-world catastrophe like a pandemic. Consider, for example, the influenza pandemic of 1918 to 1919, which killed somewhere between 20 million and 40 million people. Even worse was the Black Death plague of 1347 to 1351, which ushered somewhere between 75 million and 200 million people off this mortal coil. We like to think that our modern medicines would protect us, but there's always the possibility of a deadly new virus or bacteria appearing on the scene or an existing infectious agent mutating into something deadly. And this is not to mention all of the raving lunatics out there who might create an artificial disease for their own nefarious purposes.
But why am I waffling on about this here? Well, I just heard something interesting about fist bumps on National Public Radio (NPR) on my way into work. But before we go there, let me first note that when I was a young lad, my father instructed me that when I met someone I was to look them in the eye and give them a firm handshake.
As an aside, many people believe that the handshake originated as a gesture of peace by demonstrating that the participant's hands aren't holding any weapons. Interestingly enough, the first documented handshake appears on a monument in the ancient Assyrian city of Kalhu. This carving, circa 850 BC, shows the Assyrian king Shalmaneser III and the Babalonian King Marduk-zakir-sumi I shaking hands in a public display of friendship (or maybe they were confirming a bet).
Personally, the humble handshake would have satisfied my craving for contact for the rest of my life. It never really struck me that there might be other alternatives, such as the "high five" -- a celebratory hand gesture that occurs when two people simultaneously raise one hand each, about head-high, and push, slide, or slap the flats of their palms together.
Truth be told, I'd never even heard of the high five until I moved from England to America. When I arrived here in 1990, the team of which I was a member at work used to go bowling on Wednesday evenings. I must admit that I did wonder why -- when I got a strike -- my friends were all walking around with one hand in the air (in turn, they were wondering why I "left them hanging").
I can't remember the first time I saw two people doing a fist bump. I do remember that I thought it was really stupid. I also thought it was something new, but I've since discovered that it originated in America circa the 1940s with motorcycle biker gangs, because it was easier for them to exchange a fist bump while sitting next to each other at traffic lights than it would be to exchange a handshake (there's little a motorcycle gang member likes less than falling off his bike while shaking hands at a traffic light).
I also understand that a fist bump can be a symbol of giving respect. Furthermore, a fist bump can form part of a "dap greeting," which may involve a complicated routine of shakes, slaps, snaps, and other bodily contacts. But we digress...
Until now, I've never really had occasion to perform a fist bump, but this may be about to change. According to the segment I heard on NPR, a new "Reducing Pathogen Transmission" paper in the Journal of Hospital Infection details an analysis of different forms of greeting. It seems that the surface area of one's palm is about four times larger than that of one's fist; also, that a handshake lasts about three times longer than a fist bump.
The end result, according to the reporter in the NPR program I was listening to, is that a high five transmits about 50% of the pathogens as compared to a regular handshake. By comparison, a fist bump conveys only around 1/20th of the infectious agents. All I can say is that I'm going to start working on my dap greetings -- watch this space!
— Max Maxfield, Editor of All Things Fun & Interesting
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In honor of Vika Week, we are posting a gorgeous film starring the equally gorgeous Vika.
And yes, she's getting oiled! This extremely sexy shoot shows her lubing herself from head to toe, sharing her pleasure with her beloved viewers, exposing everything an eager girl should.
Get ready for some greasy Vika!
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Amitriptyline hydrochloride is a type of prescription medicine called a tricyclic antidepressant. Amitriptyline hydrochloride overdose occurs when someone accidentally or intentionally takes more than the normal or recommended amount of this medication.
This is for information only and not for use in the treatment or management of an actual poison exposure. If you have an exposure, you should call your local emergency number (such as 911) or the National Poison Control Center at 1-800-222-1222.
Elavil overdose; Adepril overdose; Endep overdose; Enovil overdose; Trepiline overdose
Amitriptyline hydrochloride is a prescription medication. Brands include:
Note: This list may not be all-inclusive.
This can be a very serious overdose. Seek immediate medical help.
Determine the following information:
The National Poison Control Center (1-800-222-1222) can be called from anywhere in the United States. This national hotline number will let you talk to experts in poisoning. They will give you further instructions.
This is a free and confidential service. All local poison control centers in the United States use this national number. You should call if you have any questions about poisoning or poison prevention. It does NOT need to be an emergency. You can call for any reason, 24 hours a day, 7 days a week.
See: Poison control center - emergency number
The health care provider will measure and monitor the patient's vital signs, including temperature, pulse, breathing rate, and blood pressure. Symptoms will be treated as appropriate.
The patient may receive:
Amitriptyline hydrochloride can be an extremely serious overdose.
Patients who swallow an excessive amount of this drug are almost always admitted to hospital.
How well a patient does depends on how much of the drug was swallowed and how quickly treatment was received. The faster a patient gets medical help, the better the chance of recovery.
Woolf AD, Erdman AR, Nelson LS, et al. American Association of Poison Control Centers. Tricyclic antidepressant poisoning: an evidence-based consensus guideline for out-of-hospital management. Clin Toxicol. 2007;45(3):203-233.
Kirk MA, Baer AB. Anticholinergics and antihistamines. In: Shannon MW, Borron SW, Burns MJ, eds. Haddad and Winchester's Clinical Management of Poisoning and Drug Overdose. 4th ed. Philadelphia, Pa: Saunders Elsevier; 2007:chap 39.
1000 Johnson Ferry Road NE
Atlanta, GA 30342
(404) 851-8000
450 Northside Cherokee Blvd.
Canton, GA 30115
(770) 224-1000
1200 Northside Forsyth Drive
Cumming, GA 30041
(770) 844-3200


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Rondo out for the season with a torn ACL. That 8th spot i think is now wide open.
Time for Colangelo to make an upgrade move on the roster. Is Rudy Gay still available? how about Danny Granger? with the emergence of Paul George i would think he is. Or how about Jefferson or Millsap? Jazz needs a PG and both Millsap and Big Al i believe will be a UFA after this season.
The only players that i would call untouchable on this team are JV and TR.


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Against the Grain ESOP
At a time when some companies are skittish about paying out stored-up pension plans for longtime employees, Lending Solutions Inc. recently went in the other direction.
The Elgin, Ill.-based provider of lending center services and consulting programs for financial institutions said it has established a new employee stock ownership plan.
Introduced to employees on Jan. 11, the ESOP transfers 30% ownership to the employees of LSI through a defined contribution benefit plan. The company, which employs more than 400 loan officers, said it established the plan on Dec. 20, 1012.
"Transitioning to an ESOP model gives us the opportunity to reward many of our long-term employees for their commitment and hard work over the years, as well as attract new employees," said Mark Johnson, chairman and principal stockholder of LSI.
LSI's ESOP will be administered by the company's ESOP committee, working in conjunction with a third-party trustee and a third-party administrator, the firm said. LSI said it engaged the services of Innovative Shareholder Strategies throughout the development and introduction of the ESOP. Launched in 2012, ISS is a financial advisory practice specializing in ESOP consulting services.
"We're tremendously proud of what we've achieved over the past several years at LSI," said Lee Kolquist, LSI CEO. "Our employees have always taken great pride and ownership in their work, and now, with the ESOP, eligible employees will have the opportunity to earn a tangible stake in the company to validate that ownership."
According to the National Center for Employee Ownership, there are approximately 11,500 ESOPs in the U.S. covering nearly 14 million participants, LSI said. The NCEO said companies with ESOPs grow 2.3% to 2.4% faster than comparable non-ESOP companies as measured by sales, employment and productivity growth, according to LSI.
"An ESOP is a complicated transaction with a lot of moving parts," Kolquist said. "Innovative Shareholder Strategies was there every step of the way, guiding us through the process with unparalleled commitment and expertise. The professionals from ISS took the time to understand our objectives and to structure a tailored solution beneficial to LSI, its shareholders and its employees."
LSI provides lending and member service to over 300 of North America's credit unions, banks, and mortgage companies.
Last year marked several milestones for LSI, including taking in 500,000 loan applications, the company said. The application came from the $1.1 billion Partners Federal Credit Union in Orlando, Fla.
The company said it also set records for total calls answered, indirect loans handled and overall transactions processed.
The company, founded by industry consultant Rex Johnson, said it continues to maintain a steady rate of growth each year. In July 2012, it opened its second contact center in Naperville, Ill.
"In 2012, we answered more phone calls and processed more loan applications than ever," said Kolquist said. "However, what we are most proud of is the quality of service that we have been able to consistently deliver. Helping our credit union clients build deeper, long-term relationships with their members has been our mission and continues to be what we strive for each day."
As an enhancement to its online loan application, LSI also launched a mobile-friendly application last year. The mobile application contains all the functionality of LSI's standard internet application but is optimized for smart phones including iPhones and all Android phones, the company said. The application features automatic recognition of browser types–mobile versus standard–and opens the appropriate application for the member.
At the time news of the mobile application was announced, Dave Brooke, LSI executive vice president, said the product builds on the company's mission to provide to help its clients process more loans.


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If you experience any of these symptoms do not assume it is due to cancer. Most of these symptoms may be caused by other, less serious health conditions. If you experience any one of them, see your physician.
Symptoms of thyroid cancer include the following:
Swelling or lump in neck—An enlarging lump in the lower neck may be due to a thyroid nodule. The lump may be painless or painful.
Neck pain—As thyroid cancer grows, it may put pressure on nearby nerves and structures, causing pain. The pain may irritate nerves, causing the sensation of pain to run from the area of the thyroid all the way up to the ears.
Hoarse voice—Pressure from an enlarging thyroid on the nearby voice box may cause the voice to sound hoarse.
Noisy breathing, wheezing—When the thyroid enlarges enough to press against the trachea (windpipe), your breathing may sound harsh (called stridor), raspy, or wheezy (whistling).
Cough—Pressure from a thyroid tumor on the trachea may also cause you to cough.
Difficulty swallowing—If the thyroid expands enough to put pressure on the esophagus (the tube that carries food from the mouth into the stomach), you may find it hard to swallow.
Revision Information
- Reviewer: Mohei Abouzied, MD, FACP
- Review Date: 09/2016 -
- Update Date: 09/17/2014 -


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By February of 2009, Riley was already focused on the Summer of 2010. He knew there weren't any realistic free agent targets for the Heat with only the mid-level exception to play with. The Celtics were the defending champions and he wasn't going to make his team a contender with just the MLE to play with.
So Riley dangled Marion's expiring contract in front of Colangelo with the caveat that he take the remainder of Banks' horrible deal. Toronto wouldn't be able to get completely out from Jermaine O'Neal's contract but they'd free up a lot of cap space, even with another season-and-a-half owed to Banks.
Here's what I wrote a week prior to the trade when it became clear that the Raptors were intent on moving O'Neal:
"The problem with trading O'Neal is that the Raptors don't want to trade him in a way that would do another team a favor by handing them a huge expiring contract that will give them the cap space to steal Bosh away from them."
And that's exactly what they did.
Had Riley not found a taker for Banks by the 2010 trade deadline then there's no way he'd have been able to both re-sign Dwyane Wade and sign LeBron James and Bosh.Source: SirCharlesInCharge.comIn fairness to Colangelo, he was able to make some off-season moves before the 2009-10 season to try and impress Bosh. His big move was obtaining Hedo Turkoglu, Devean George, and Antoine Wright in a 4-team trade with the Grizzlies, Magic, and Mavericks. Who was the primary player he sent to the Mavs?
That's right. Shawn Marion.
Sort of a hit piece.


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Interchange is an advanced e-commerce platform. It enables you to build completely customized and flexible online shops, while utilizing the knowledge gathered in more than a decade of active development. It offers high level e-commerce functions, support for PostgreSQL, MySQL, and Oracle, templating, a complete shopping cart functionality, payment processing, inventory, tax and shipping calculation, discounts, Web-based administration, localization, event routing, SOAP-based RPC, a custom tag language, and the full power of Perl.
CAMSEG SCM is an application designed to manage sales campaigns. It contains all the features required to manage the campaign data (customers, products, etc.) and sales, including powerful stock management functionalities. A very extensible report system is also included, allowing almost unlimited report possibilities.
mCommerce WebKit UI is a mobile commerce UI for WebKit-enabled mobile devices. It features intuitive searching and browsing, a streamlined sales funnel, conversion-friendly color scheming, easy customer support via native device functions (phone, SMS, and email), a touch-friendly minimal-click interface, accessible font and text rendering, and universal header and footer navigation.
Lightning Fast Shop (LFS) is an online shop and e-commerce solution. It installs in minutes and is ready to go out of the box. Some of it main features are variants and configurable products, related products, accessories, facetted navigation, packaging units, vouchers, and discounts, It provides variable shipping and payment methods, a one page checkout page, and much more.
ShinyCMS is a content management system intended for use by Web designers and Web developers who want to keep a clear distinction between the markup they create and the content their clients can edit. Designers add templates to the CMS, which define page layouts containing editable elements. Users can then build pages by selecting an appropriate template and editing the elements it contains. This approach means that editing content is a simple and safe process, and the site look and feel is kept consistent and professional.
Google Checkout Module for OXID is a payment module for OXID eSales shops to use the Google Checkout payment system. Shop owners collecting online payments using Google Checkout can benefit from this module if using OXID for their e-commerce sites. To make the button immediately visible, it features a checkout button in the order summary. Customer credit-card processing is performed by Google, so merchants don't have to deal with consumer privacy issues. Customers can checkout from the shop without going through the cumbersome process of setting up a customer account on the online shop. Online buyers are returned to the shop after successful completion of payment.
CraftShirt is software for running a Web site that lets users design and buy t-shirts. It features a shopping cart and a powerful online t-shirt designer. This is a turnkey solution for an online t-shirt printing business. It is pure AJAX; no Flash technology is used. It supports multiple payment and shipping plugins. It is built on top of the osCommerce e-commerce engine, which is integrated with a powerful graphics tool that allows advanced image manipulation and overlaying.
A simple WebDAV 1.0 server.
An OpenGL library for image-based CSG rendering.


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Torre! Torre! Torre!
Joe Torre got a 1-year contract extension from the Yankees and promptly told them they could stick it. I love it. True, maybe this is what the Steinbrenner family wanted Torre to do, since they lowballed him on the offer, but it's still great. The Boss gets away with a lot of abuse, but his threat to fire Torre in the middle of the division series if the Yankees didn't win (and they didn't) was way more of a distraction than a motivator and just plain disrespectful. Like Farrah Fawcett in The Burning Bed, Torre reached a point where he couldn't take the abuse anymore, and now it's the Bronx that's burning.
Everyone thinks TLR is on the short list of candidates for the Yankees job. Some are saying he wouldn't be able to handle the media. I'm still hoping Tony stays with us but I can see where he'd be tempted to take on the ultimate challenge.


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< Back to all Kenmore Dryers
When the model number is found the service manual information page will appear. Once there, you will be given the download links to the manual and any accompanying materials (where applicable) immediately upon payment. In some instances you will have an option to receive reference information report. There are no shipping costs or waiting for the manual to arrive via e-mail. Our location service provides the links to the manufacturer's website that hosts the manual. Note that we do not sell the manuals. The site maintains the reference information between the models and corresponding service manuals and provides paid access to this information. We do not store copyrighted materials on this website and we do not link to sites unless we are 100% positive that they are the lawful distributors. This website is not affiliated or sponsored by the manufacturers.


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Florida's trip to Yale is a homecoming game for the New England-born senior Erik Murphy.
Senior forward Erik Murphy never had any doubts about playing so far from home when he signed with Florida.
"I didn't live at home during high school," said Murphy, who played prep basketball at a boarding school (St. Mark's) in Massachusetts. "I've always been fine being away."
The soft-spoken, 6-foot-10 Murphy will have his own personal cheering section today when the Gators play their final non-conference game at Yale. His four-year college career has had its share of peaks and valleys, which will make the game in front of more than 100 family members and friends at Yale's campus in New Haven, Conn., even more special.
The homecoming game at the 2,500-seat John J. Lee Amphitheater is 84.5 miles from Murphy's South Kingstown, R.I., hometown. Murphy's father, former Boston College and NBA forward Jay Murphy, has rented a bus, which will drive 70 friends and family members from Rhode Island to the game. Close to 50 family members also are expected to show up from Jay Murphy's hometown of Meriden, Conn., about a 20-minute drive from New Haven.
"It's exciting," Murphy said. "There are going to be some people at the game that I haven't seen in awhile. It's cool to have them all come down."
Jay Murphy said all along that Florida was his son's dream school. But success for Murphy didn't come right away. There were two years on the bench and an embarrassing offseason incident following Murphy's sophomore year that caused him to realize how important basketball was to his life.
"Erik probably had more patience than we did," Jay Murphy said. "Everybody probably thinks their son is going to play right away, but when you look at the guys that were in front of him, they are all having success either in the NBA or overseas."
As a sophomore, Murphy bided his time behind an all-senior starting frontline of Alex Tyus, Chandler Parsons and Vernon Macklin. The experienced trio helped lead the Gators to an SEC regular-season title and Elite Eight appearance.
"It took a level of patience, also combined with the fact I wasn't good enough then to play a lot of minutes, so I think the combination of both of those things," Murphy said. "But I think in that situation, with those guys in front of me, obviously I had to be patient and wait my turn."
Then, shortly following his sophomore season, Murphy was arrested outside a bar in St. Augustine with former teammate Cody Larson and former UF student manager Josh Adel after he was spotted slumped over someone else's parked car. Murphy was 20 and had been drinking underage.
Initially charged with felony burglary, Murphy and Larson's charges were reduced to misdemeanor criminal trespass. Murphy pleaded no contest and received probation. He was suspended indefinitely from the Gators, but was reinstated shortly before his junior season began in October.
"Still having the chance to be here after all of that, made me appreciate basketball more," Murphy said.
During his summer in limbo, Murphy trained hard in Rhode Island with former New England prep prodigy Chris Herren, who served as a mentor. Herren's substance abuse problems derailed his promising college and pro careers.
"I just tried to do the right things off the court, and the same thing on the court," Murphy said. "Just work as hard as I've ever worked before and just focus on all aspects of my game and just try to come back as a better player."
Along the way, Murphy received support from both his family and Florida coach Billy Donovan.
"Erik did all of the work," Jay Murphy said. "Billy was the one that supported him and gave him a second chance."
Said Murphy: "Coach always said it didn't affect the way he looked at me as a person. It was just a mistake."
Murphy returned focused his junior season, shooting 42.1 percent from 3-point range while averaging 10.5 points and 4.5 rebounds. Murphy showed the promise Donovan first saw in him when he began recruiting him as a high school sophomore.
Donovan compared Murphy's recruitment to another former Gator and New England standout, Matt Bonner. A New Hampshire native, Bonner had a down senior season of high school. So did Murphy, but it was due to a knee injury.
"I had the chance to see him play enough when he was younger that I knew he was going to be a terrific player," Donovan said. "I think his ability offensively to shoot the ball, score from the low post. He's a great kid, he's a great teammate, he's a good worker. He's about the right things. I think all of those things stood out to me."
Murphy is coming off one of the best games of his career, scoring 22 points on 8-of-10 shooting to earn Orange Bowl Classic MVP honors in UF's 78-61 win over Air Force. Murphy also led the Gators in rebounds (7), assists (4) and blocked shots (3) in the Air Force game.
But what has impressed Donovan most about Murphy is his willingness to sacrifice.
"If less of Erik means more for our team, he's always going to do that," Donovan said. "He's never been a guy since I've been here, that has ever displayed anything else but whatever is best for our team.
"A lot of times players can talk that winning is really important, but the winning when it becomes part of them having to sacrifice minutes or points or things like that, then maybe the winning part of it doesn't become so important anymore. I don't think Erik has had that philosophy or attitude. He's always been about the bigger picture."
G Kenny Boynton, 6-2, Sr., 12.5 ppg, 4.0 rpg
G Mike Rosario, 6-3, Sr., 11.6 ppg, 2.6 rpg
G Scottie Wilbekin, 6-2, Jr., 8.7 ppg, 4.1 apg
F Erik Murphy, 6-10, Sr., 12.1 ppg, 4.7 rpg
C Patric Young, 6-9, Jr., 11.1 ppg, 6.9 rpg
G Michael Grace, 6-2, Sr., 4.9 ppg, 2.9 apg
G Austin Morgan, 6-2, Sr., 12.5 ppg, 2.6 apg
G Armani Cotton, 6-7, So., 3.9 ppg, 4.2 rpg
F Justin Sears, 6-8, Fr., 10.7 ppg, 6.6 rpg
C Jeremiah Kreisberg, 6-10, Jr., 7.1 ppg, 3.1 rpg
Notes: Florida is 6-2 all-time against Ivy League teams. However, this will be the first time in school history Florida has faced an Ivy league team on the road. … Florida downed Yale 90-70 last season at the O'Connell Center. ... The Gators have held six of 11 opponents under 50 points and rank fourth in the nation in scoring defense, allowing just 51.3 points per game. … With 282 career 3-pointers, Kenny Boynton is three shy of passing former teammate Erving Walker (285) for second on UF's all-time list and six shy of Lee Humphrey's UF record (288). … Florida is averaging 18.6 points per game off the bench. … Coming off a 61-54 win at Holy Cross, Yale will be playing its fifth game in 10 days on Sunday against the Gators. … Morgan is averaging 2.3 3-pointers per game for Yale while shooting 34.8 percent from beyond the arc.


text:
Calendar of Events
Sep 14
Shopping Shuttles
Buses will run from Willis Hall to Target/Cub approximately every 20 minutes. Open to all students on-campus.
Saturday, September 14th, 2013
4:00 – 8:00 pm / Buses depart from Willis Hall every 20 minutes
Sponsored by New Students 2013. Contact: Jessica VanZuilen, x4305


text:
You have a unique medical history. Therefore, it is essential to talk with your doctor about your personal risk factors and/or experience with multiple myeloma. By talking openly and regularly with your doctor, you can take an active role in your care.
General Tips for Gathering Information
Here are some tips that will make it easier for you to talk to your doctor:
- Bring someone else with you. It helps to have another person hear what is said and think of questions to ask.
- Write out your questions ahead of time so you don't forget them.
- Write down the answers you get, and make sure you understand what you are hearing. Ask for clarification, if necessary.
- Don't be afraid to ask your questions or ask where you can find more information about what you are discussing. You have a right to know.
Specific Questions to Ask Your Doctor
- What is the stage of my multiple myeloma?
- What does the staging mean?
- How do I best treat multiple myeloma?
- What are the risks and benefits associated with this treatment plan?
- What other options are there?
- How long will the treatments last?
- What will they cost, and will my insurance cover it?
- What side effects can I expect?
- What will I need to change in my daily routine?
- How will I feel during treatment?
- What will I need to do to take care of myself during the treatment period?
- What will we do if the treatment does not succeed?
- Are there lifestyle changes I can make to help my prognosis?
- Can you recommend a support group?
- How do I know that my treatment program is effective?
- Should I consider participating in a clinical trial?
Revision Information
- Reviewer: Mohei Abouzied, MD, FACP
- Review Date: 03/2017 -
- Update Date: 05/05/2016 -


text:
It's a giant leap forward in down performance. Untreated down just doesn't compare. A jacket with Q.Shield DOWN performs on day one of your adventure the same as it does on day six. This down stays drier longer, way longer.
It's essentially a synthetic down. Thermal.Q ELITE uses different size fibers to create a unique, very down-like, 3D grid, resulting in a much warmer synthetic whose structure gives it far better compression rebound. It stays warm when it's wet.


text:
California: Some Gleam But Not All Glitter for Golden State Credit Unions
The California economy and its credit unions are staging a comeback, but the Golden State doesn't glitter as brightly as it used to.
"I think it's fair to say that for years, people in California didn't seem to care what the rest of the country was doing, because it was a special, golden place that was immune to what happened elsewhere," said California Credit Union League Chief Economist Dwight Johnston.
Now, he said, California is adjusting to a new reality that no longer includes guaranteed home price increases or plentiful jobs. For instance, Johnston said, the state used to enjoy a steady stream of manufacturing jobs producing products invented in Silicon Valley.
- SEE the NCUA state-by-state map and more Credit Union Times analysis.
"Now we still have those new ideas, but the manufacturing has gone elsewhere," Johnston said. "That was a sector of jobs California used to count on."
That's in addition to the construction jobs lost in the state when the bottom fell out of the housing market.
As of December 2012, California's unemployment rate stood at 9.8%, well above the national rate of 7.9%. That's an improvement over 2010 when the rate climbed to 12.4%, but historically, California had only seen double digits unemployment just once before the Great Recession, in 1980 when it climbed to 10.0%. In 2006, the state unemployment rate was just 4.9%.
Despite the economic challenges that lie ahead for the state, California credit unions produced an average return on assets that was just below 1%, at 93 basis points, which is above the national 86 basis points average. That income hasn't come from lending, though: loan delinquencies are still higher than the national average at 1.8% and loan growth is nearly non-existent at 0.6% statewide.
Mark Hawkins, CEO of the $655 million Altura Credit Union in Riverside, said his 94,000-member credit union has adjusted to California's new economic reality and can withstand the current economic and low rate environment for years to come.
Altura struggled during the financial crisis, posting losses that dropped net worth below well capitalized levels and increasing NCUA supervision.
But talk about a comeback: 2012 was Altura's best year ever. The credit union raked in $17.49 million worth of net income, more than double the $8.43 million earned last year. Net worth increased to 10.36% as of 2012 year-end, higher than the national peer average.
Altura, located in the Inland Empire region of Southern California, was hit hard during the recession after a big housing and construction boom. Losses pushed net worth below 7% in December 2009 where it remained for eight consecutive quarters.
Hawkins said the Inland Empire is still struggling with 11.1% unemployment, home values still far below market peak, a sluggish job market and no consumer purchase appetite.
With no consumer or real estate lending activity, and few lucrative investment options, Altura managed to produce record income from non-interest income earned off deposit products and low expenses.
The credit union shuttered half of its retail branches and laid off approximately 45% of its staff in the wake of the financial crisis. Hawkins said the NCUA required the credit union to sell two wholly owned CUSOs – Patrion Mortgage and Patrion Insurance – and cease mortgage lending. Altura still isn't booking mortgages for members, which makes the record income last year all the more impressive, considering it didn't generate any refinance fee income.
Instead, Altura is making a go of it with auto lending, non-interest income earned off deposit accounts and a smaller, leaner organization with reduced operating expenses.
"Our expense posture is positive and our cost of funds is microscopic," Hawkins said. "The only negative is consumer sentiment and the fact that we're not seeing a lot of purchase activity from members."
But, Hawkins said Altura has "never been stronger financially" and is structured to weather the region's sluggish economy until things pick back up again.
Arrowhead Credit Union, also located in Riverside, is still being run under NCUA supervision after its June 2010 conservatorship. However, the $700 million institution reported a $25.5 million net profit and 10.53% net worth as of Dec. 31, 2012, yet another sign the Inland Empire economy is recovering.
Up in Northern California, Credit Union Times 2010 Trailblazer CFO of the Year Scott Waite also reported record earnings at his $3.9 billion Patelco Credit Union. The Pleasanton, Calif.-based Patelco reported a $55.5 million net profit and 1.48% return on assets in 2012, and credited efficiency improvements and a mortgage refinance boom for the numbers.
Altura, Arrowhead and Patelco all have more than $500 million in assets, which provides them with economy of scale benefits. On the other end of the asset scale, small California credit union executives are partnering to achieve scale.
Jon Hernandez runs three credit unions in Southern California: the $55 million CalCom FCU of Torrance, the $28 million Mattel FCU of El Segundo and the $7 million City of Downey FCU in Downey. Not only does Hernandez save the three on CEO costs, he also shares compliance, technology and marketing executives with other credit unions, and collaborates with others to save on core processing systems, back office processing, health care benefits, marketing campaigns and staff training costs.
The largest of the three, CalCom posted a $389,975 profit for 2012, generating a 0.70% return on assets.
Because the credit union doesn't offer mortgages, Hernandez said, it reported a relatively high loan yield of 8.78%. The credit union also extends loans to members with low FICO scores, which also drives up yield but necessarily increase losses. Hernandez said his delinquencies and charge offs are evenly split between high and low credit grade paper.
Loan growth was also above peer, 5.37% at 2012 year-end and peaking at 9.76% during the second quarter. Hernandez credits a lending department reorganization and revamped lending processes for the output.
"We didn't necessarily increase the number of applicants, but we cross sell," he said. Not only did loan staff cross sell additional loans, they also sold add-ons like GAP and MBP, which increased non-interest income.
Hernandez said he reduced operating expenses last year by renegotiating vendor contracts and eliminating some underutilized services, dropping operating expenses to average assets below 4% during the 2nd and 3rd quarters before settling at 4.16% at year-end. That's a little higher than peer average, but Hernandez called the stat "considerably good" because the 7,423-member credit union operates four branch offices and eight proprietary ATMs.
He also signed on vendors to provide living trust and will services, auto insurance and retirement planning, which provided marketing agreement income. A new overdraft protection program also increased non-interest income. NII to average assets was 1.29% at Dec. 31.
Mattel FCU also reported a net profit last year, earning $44,025 with operating expenses slightly below peer but some loan delinquencies dragging down income and the common struggle of negative loan growth, which was -2.91% at year-end 2012.
The smallest credit union, City of Downey, reported a $31,314 net loss last year, and saw market share, loan growth, assets and membership growth all decline.
Johnston, the leagues economist, said California's large credit unions dominate the state's overall rosy numbers, but small credit unions still struggle to produce healthy financial reports.
Many credit unions below $1 billion in assets relied upon investment income that has all but dried up, he said.
"The big ones feel good about certain elements of their business. It's not as bad as it used to be, but they generally struggle to maintain stable earnings and loan demand," he said. "That's the struggle now in California. Better than it used to be."


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Mazda is currently known for its line of sporty vehicles, but is
currently lagging its competitors in fuel economy. To remedy that,
the company is implementing a complete redesign of its four-cylinder
engines that will see them paired with new small and light six-speed
The new direct-injection
gasoline engines will have a combination of smaller displacement,
higher power output, and greater efficiency. The fuel injector is
placed in the combustion chamber of a direct-injection engine, as
opposed to the intake valve in a conventional fuel-injected engine.
Mazda is also combining its direct-injection engines with a new
electric high-pressure fuel pump and variable intake and exhaust
valve timing that will allow more optimal combustion in a wider
rev range. The company plans to incorporate these
developments into its rotary engines.
Seita Kanai, the head of
Mazda's R&D department, said that the redesign of Mazda's 2.0
liter four-cylinder engines paired with the new transmissions would
result in a fuel economy increase to 32 mpg from 22 mpg in the city.
Highway fuel economy would increase to 42 mpg from 32 mpg.
not confirming the use of dual-clutch technology, Kanai stated
that the next-generation automatic transmission would
provide the quick, direct shift quality of a
double-clutch transmission system. "No slip means there
won't be wasteful heat generation," enthused
engine cut-off, regenerative braking, electric power steering,
and electric water pumps are just some of the technologies also being
considered for inclusion in the company's quest for fuel economy. If
Mazda does decide to adopt these technologies across its entire
production line, economies of scale could enable the company
to bring them to market at a lower cost than other vehicle
manufacturers. BMW has already implemented many of these technologies
in its "EfficientDynamics" program.
Mazda was
particularly enthusiastic last year about idle-stop technologies when
it talked
about its plans last year, but has been forced to scale back its
hype. The Environmental Protection Agency doesn't account for the
technology during its fuel economy testing, which can reduce fuel
consumption by up to ten percent. Mazda doesn't want to foot the bill
for installing it if it can't market it to consumers.
reduction is also an important component of Mazda's plan. An
additional 3-5 mpg could be achieved through the use of lighter
structural materials and new bonding technologies. Mazda will also
use its single nanotech catalyst, which reduces the need for
expensive palladium and platinum in the catalytic converter by 70-90
There is a catch though to all of the new
technologies though. Robert Davis, Senior Vice President of Mazda's
North American Operations R&D, said that the new powertrains
cannot be retrofitted to any of its existing product lines.
Therefore, the new engines and transmissions will be incorporated
into the company's new models as they are developed and introduced.
The redesigned MX-5 Miata convertible or Mazda5 are the
most likely to integrate the new technologies first. The
entire model lineup will be equipped with the new engines by
"We want to provide this technology to all
owners, not just through a few eco-friendly vehicles," stated
Kanai during a media briefing.
Mazda is also considering
bringing new diesel engines to the North American market. However, it
does not currently have an automatic transmission for diesel engines.


text:
Shudder wrote:
Well, AT&T just released the price of the S4: $250. Bit much, though I still wouldn't pay $200 for the S3. $99 tops.
Amazon is selling the AT&T S3 for $80. The Verizon S3 is available through Amazon for $10. As amazing as the S4 is, I just can't see it being worth $170 (or $240) more.
Edit: Typed AT&T instead of Amazon.


text: John and Shirley Meyers will celebrate their 70th anniversary Sunday, March 3 at the Anglican Church of St. Philip the Evangelist (corner of South Market and Seventh Street in Cortez). John and Shirley's long marriage began by reciting vows in a Methodist Church in Denver on March 7, 1943. The anniversary event will be marked with a social observance during the 10:45 a.m. worship hour and a pot-luck dinner and cake served following worship. Family and friends are invited to join John and Shirley for worship and the dinner that will celebrate this significant milestone.


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Creating solutions for health through technology innovation
4 comments
Medical care provides a diverse growth opportunity for designers and manufacturers of electronic systems. The growth is fueled by new discoveries, the need to contain treatment costs and enhance diagnostics, and the increasing number of people who are demanding affordable medical care.
Electronics in health care
Health care is advancing rapidly around the world, driven by new medical discoveries and ongoing demographic and economic changes. Industrial countries are experiencing an aging population, while countries in development are demanding better basic health care to match their newly won prosperity. At the same time, new tests, procedures and medicines make medical care increasingly expensive, forcing the containment of costs even while overall effectiveness improves. In addition, better-informed patients now demand to know more about their health and the treatment they receive, and they are backed by legislative initiatives to make medical data more readily available. All of these factors underline the need for more cost-efficient, more therapeutically effective means of delivering health care.
Electronic systems have an important role to play in meeting all these expectations. New developments in IC manufacturing and design help make medical systems smaller, more power efficient, more accurate, less expensive and more easily integrated into information networks. The result is that the entire health care chain ranging from hospitals, labs and emergency vehicles, to physicians offices and clinics, homes and even wearable devices can provide more effective diagnosis, monitoring and treatment of patient conditions (Figure 1). Combined with social, political and economic trends, advances in electronics technology are rapidly changing the practice of medicine to make quality health care more affordable and better tailored to the needs of the individual patient.
Texas Instruments technology includes analog bipolar, with its extreme accuracy for signal measurement; CMOS for extremely low-power logic, processing and mixed-signal functions; plus FRAMs, radio transmission and small-scale packaging options. Applications range from state-of- the-art imaging machines in medical labs, to inexpensive over-the-counter kits for blood pressure and glucose monitoring.


text:
LOS ANGELES - A heavily updated Civic sedan was introduced at the Los Angeles Auto Show Thursday, just one year after Honda fully redesigned the popular small car.
It's not unusual to give a car a makeover two or three years after a full redesign. However, Honda is making these changes just one year after the all-new Civic was introduced for 2012. That car was not well received in the media due to its relatively cheap materials and lackluster styling.
"Our industry has never been more competitive or fast changing, and a significant refresh of Civic, America's best-selling compact car, just one model year after its debut as an all-new model shows true speed to market," said John Mendel, American Honda executive vice president of sales.
Up front, the Civic now shares several styling cues with its larger sibling, the Accord, which is all-new for 2013. The rear has also been updated with a new trunk and new taillights.
Honda said handling is improved and the new car is quieter thanks to several chassis upgrades, re-tuned steering and a revised suspension.
Inside, popular features have been made standard, like Bluetooth connectivity, a rearview camera, voice-to-text messaging system and steering wheel-mounted audio controls.
Honda is also wasting no time in getting the new car to dealers. Sales of the new car began at the time of Thursday's announcement.
Distributed by LAKANA. This material may not be published, broadcast, rewritten or redistributed.


text:
I've had it up to here with how doug smith cannot objectively evaluate the raptors. Over the years he has never been critical of any of the raptors decisions(no small forward signing this summer, bosh debacle, you name it), but the lack of success proves that he is wrong.
grange keeps on repeating the same rhetoric "bargnani is not paid like a premier player, and would thrive as a 3rd option" but how can someone who could arguably be the worst defender in the nba even be the 5th option on a contender?
Am I wrong to think that my enjoyment of the game as a fan has been diminished b/c of doug smith and micheal grange's inability to evaluate this team in an unbiased way?
Anyways if you feel helpless and frustrated but think that a change in the media culture would help the raptors, TWEET AWAY!!!


text:
Exquisite Collection Bathroom Combinations
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text: AirAsia named as 'Best managed company overall in Malaysia' and 'Best managed company in Asia – Airlines/Aviation' by Euromoney Magazine Sepang, 10 January 2013 Leading international magazine Euromoney has today named AirAsia Berhad as winner of the overall best managed company in Malaysia as well as the best managed company in Asia in the Airlines/Aviation sector for the Euromoney 'Best Managed and Governed Companies - Asia poll 2013'. The poll is based on replies received from a total of 130 of the leading equity analysts at the largest investment banks and research houses in the Asia Pacific region nominating a total of 207 different companies. Analysts were asked to name which companies were the most impressive across a number of factors including; management accessibility, accounting transparency and corporate governance procedures amongst others. Analysts praised AirAsia for its leading role in promoting transparent communication to investors, citing that "the company has a clear strategy and good visibility". Analysts also noted that "AirAsia senior management is open to all questions and requests from investors and analysts regarding the company's performance and external relations are properly maintained." Tan Sri Tony Fernandes, Group Chief Executive Officer of AirAsia stated that, "We are very proud of the acknowledgement that Euromoney has given us. This is a conscious effort by the management to ensure the company is committed in ensuring investors and stakeholders confidence are maintained through transparency and good governance. We have always believed we have a strong investment case and will continue to push the barriers by gaining further access to a wider investor base." This is the 14th annual ranking of the Best Managed and Governed Companies in Asia that Euromoney has published and is seen as the benchmark survey of the opinions of equity analysts in the region. Clive Horwood, Editor of Euromoney Magazine, said: "Asia's best-managed companies are taking advantage of their country's world-beating growth rates to focus on integration and expansion, while peers from other parts of the world are distracted by the tough global environment. The results of this year's poll show that analysts are still rewarding prudent gearing, transparency, good governance and clear articulation of strategy." Subscribers to Euromoney can access all of the rankings online at www.euromoney.com.


text:
Sean Dunlop: Nonproliferation Graduate Fellow, Department of Energy
September 21, 2010
1) Tell us about yourself.
I studied music in college before volunteering with the Peace Corps in Belize where my wife and I worked with Mayan communities to promote sustainable income-generating projects. And I recently graduated from the Monterey Institute with a Master's degree in nuclear nonproliferation.
2) You just landed a fellowship with the Department of Energy in Washington D.C. What will your role be?
Through the Nonproliferation Graduate Fellows Program, I'll work for the Office of Nonproliferation and International Security within the Department of Energy's National Nuclear Security Administration.
3) What will you work on?
We will take high-level directives from President Obama, for example, and implement strategies to reach these goals - such as how to secure ratification for the Comprehensive Nuclear Test Ban Treaty. I will spend the summer preparing briefing materials for the Secretary of Energy's delegation to the International Atomic Energy Agency's general conference in September.
4) How have your experiences at the Monterey Institute prepared you for this opportunity?
This is one of two Master's programs in the world that gives you the opportunity to specialize in the nonproliferation field. The academic program, my two internships, and my graduate assistant position at the Center for Nonproliferation Studies prepared me in a short time to become a professional in the field.
One additional factor that drew me to Monterey Institute was the critical languages program. I took three semesters and two summer sessions of Arabic to polish my language skills.
5) You had the opportunity to intern for an international organization in Vienna. Tell us about that experience.
I interned for a semester at the Comprehensive Nuclear Test Ban Treaty Organization. The organization started gathering signatures in 1996, but one of the major obstacles to its implementation is that the U.S. Congress voted down ratification in 1999. I helped with the organization's communications: newsletters, web content, press releases, and press conferences. They also had me write background memos for senior staff on various topics. Or if they were taking a trip to Washington D.C. or New York, I researched think tanks, academic institutions, and NGOs to partner with.
6) What is your focus within the nonproliferation field?
Within the specialization, there are also focus areas such as international organizations and applications of strategic trade controls (or export controls). Thanks to a class on the "Nuclear Renaissance," I had the opportunity to conduct in-depth research on safeguard issues.
7) For those of us who haven't yet become non-proliferation experts, why are safeguards important?
Safeguards entail allowing a third party to verify that material and equipment isn't being misused or diverted at civilian nuclear sites. That involves inspections and systems of accountability. We need more and more of that in the future.
8) As a student, what helped you find internship and professional development opportunities?
One class in particular - the "Nuclear Renaissance" class - helped me get a summer internship sponsored by the Department of Energy that dealt with safeguard issues at Lawrence Livermore National Lab near San Francisco.
Our coursework focused on the resurgence of interest in Asia right now to build nuclear reactors for power: Will that have implications for nonproliferation? We looked at nuclear technologies: reactor types, approaches to the uranium fuel cycle, and whether or not these processes could lead to nuclear weapons.
9) What were the most valuable experiences of this internship?
I wrote two research papers most of the summer while working nine to five. Since the program was set up as a mentorship, as I had questions, I had access to experts in the field. I wrote one paper about India's nuclear program, for example, and I met with the U.S. expert on the topic. We also participated in a simulation in partnership with the Los Alamos National Laboratory, and I was selected to help guide the simulation about Iran's nuclear program.
10) Where do you see yourself next?
I'm hoping that this fellowship with the Department of Energy is a springboard for a career in public service. I would like to work for the government for about 10 years, learn more about the big picture, and then try for a position in an international organization. With the goal of someday living in a nuclear weapons free world...


text:
Chris didn't travel with the team to NJ and will stay behind and rest his ankle.
This via Eric Smith's Twitter:
Time for Amir to shine tomorrow night.Bosh left practice to get his left ankle looked at. Appears to be a mild sprain but want to be on the safe side. He will not travel to NJ.
Source Click here


text:
Many people fear that they will have nausea and vomiting while receiving chemotherapy. However, these side effects are less common and often less severe than commonly thought. Effective antivomiting drugs can prevent or lessen nausea and vomiting in most people.
It is important that you tell your doctor or nurse if you have these symptoms, especially if the vomiting lasts more than a day or if you cannot keep liquids down. You may feel sick a few hours after chemotherapy. Some people also have delayed side effects, feeling nauseous and vomiting a few days after treatment. This is still related to treatment, so be sure to tell your healthcare team.
Also remember that different drugs work for different people. You may need more than one drug to get relief. Continue to work with your team to find the drug or drugs that work best for you.
Tips for Coping
In addition to taking your medication, here are some steps that you can take to reduce nausea and vomiting:
Food and drink tips:
- Eat and drink slowly.
- Drink small amounts throughout the day. Good choices include water, unsweetened fruit juices, such as apple or grape juice, and light-colored, decaffeinated sodas, such as ginger ale. Keep in mind you should drink sodas that have lost their fizz.
- Try to eat smaller meals spread throughout the day, instead of 3 big meals. Examples of foods that you may be able to tolerate well include: broiled or baked skinless chicken, cooked cereal, such as oatmeal, crackers, pretzels, pasta, white rice, and skinless, boiled potatoes.
- Chew your food well.
- Avoid sweet, fried, or fatty foods.
- Take a short rest after you eat, but avoid lying flat for at least 2 hours.
- Eat foods cold or at room temperature so you will not be bothered by strong smells.
- If nausea is a problem in the morning, try eating dry foods, such as cereal, toast, or crackers.
- Prepare and freeze meals in advance for days when you do not feel like cooking. You can also ask friends or family to cook meals for you.
Other home care tips:
- Try to avoid other strong odors, like tobacco smoke.
- Wear loose comfortable clothes.
- If you are feeling nauseated, take deep breaths.
- Try to to get involved in enjoyable activities, like watching your favorite show or talking with friends.
- Try to take short walks outside. Light exercise will help clear your mind and boost your energy.
- Use relaxation techniques, like meditation .
- Reviewer: Michael Woods, MD
- Review Date: 12/2015 -
- Update Date: 12/21/2015 -


text:
The 4th Middle East and North Africa Heads of NCB Meeting
CASABLANCA, Morocco - Senior law enforcement officers and security experts from the Middle East and North Africa gathered in Casablanca (26-28 September 2011) to discuss a range of issues surrounding the use of new technologies in the prevention and investigation of crimes.
The opening ceremony commenced with an address by Brahim Bensami, the Deputy Director of the Moroccan Judicial Police, who highlighted the importance of police cooperation within the Middle East and North Africa region. Mohammed Ben Ali Koman, the Secretary General of the Arab Interior Ministers Council, reiterated the importance of such regional cooperation and the necessity of the Arab Interior Ministers Council's involvement in such.
The three-day meeting, hosted by INTERPOL Rabat, included a workshop on operational support which provides a platform for productive cooperation on a regional level. National Central Bureaus shared their national perspectives on investigative techniques used in their countries in order to adopt a coordinated regional approach to tackle transborder crime.
The meeting concluded with the adoption of nine recommendations that focus on the enhancement of regional cooperation in coordination with INTERPOL's General Secretariat.
The following National Central Bureaus were represented: Algeria, Bahrain, Egypt, Iran, Iraq, Jordan, Kuwait, Lebanon, Morocco, Oman, Saudi Arabia, Sudan, Tunisia, and the United Arab Emirates. As for the regional organizations invited, the following attended: The Arab Interior Ministers Council was represented by Mr Mohammed Ben Ali Koman, the Secretary General; the Cooperation Council for the Arab States of the Gulf was represented by Mr Hazaa Al Hajeri, Assistant Secretary General for Security Affairs; the Economic Cooperation Organization; the International Police Sports Union and Naïf Arab University for Security Science.


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Massachusetts Move: Ed Lopes Moves From Grafton Suburban to Liberty Bay
After eight years as CEO/president, Ed Lopes is resigning from the $127 million, 10,848-member Grafton Suburban Credit Union in North Grafton, Mass., to take over as CEO/president of the financially struggling $623 million, 24,226-member Liberty Bay Credit Union in Braintree, Mass.
"The credit union made a lot of progress during Ed's eight years at the helm," said Andrew S. Nelson, chair of Grafton Suburban CU. "We wish him the best with his future endeavors."
Lopes helped Grafton Suburban CU become more progressive through technology, community integration and member services, his former employer said. In announcing his resignation, the credit union said Lopes was taking the CEO position at Liberty Bay CU.
Liberty Bay has lost more than $8.5 million since 2009, according to its financial performance reports filed with NCUA.
"It has been a pleasure serving as CEO for Grafton Suburban for nearly a decade, and without a doubt, the outstanding feature of my Grafton experience has been the teamwork," Lopes said in a prepared statement.
Until a new CEO/president is appointed at Grafton Suburban, CEO responsibilities will be shared by Chief Financial Officer Terry Dorilas and Chief Operating Officer Martha Dean, said Nelson.


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Palm today held a special event to announce its answer to Apple's popular iPhone and finally bring the company into the modern era of smartphones. Palm is starting with a blank slate thanks to a new operating system and a new smartphone which aims to please.
Palm started off with a new way of thinking -- as Palm Executive Chairman Ron Rubinstein stated, "Mobile is in our DNA." Palm's new efforts don't revolve around the desktop as a tethering device or "home base" -- instead, Palm is looking to connect to the "cloud" of information online. Palm hopes to achieve this with its brand new webOS operating system. According to Rubinstein, anyone who can program for HTML, CSS, or JavaScript will feel right at home with webOS. The purpose of the webOS is to focus on "Your People, Your Time, and Your Critical Information".
Tying Palm's new philosophy to mobile telephony and the new webOS together is the new Palm pre phone. Palm's 4.8-ounce pre aims to right the wrongs of its competitors while at the same time adding a few new twists of its own. The pre features EvDO Rev A, Stereo Bluetooth (a feature oft-requested from iPhone owners), 802.11b/g Wi-Fi, GPS, a fast OMAP processor, accelerometer, 3.0MP camera with an LED flash, and 8GB of internal storage.
The device features a 3.1" display with a 320x480 screen resolution. It also has a single, center button at the bottom of the device and a Gesture Area which provides direct access to the OS. Instead of a proprietary dock connector, the pre uses a microUSB connector located on the right side of the device and can be used as a USB Mass Storage Device. At the top of the device is a power button, 3.5mm headphone jack, and a ringer switch.
Palm's Matias Duarte took more than a few jabs at the feature set of the iPhone and talked about how no one wants to use a finicky onscreen keyboard. Duarte then went on to show the pre's keyboard which slides out from the bottom of the device. Duarte also pointed to a feature that was implemented by "popular request": a removable battery. And speaking of the battery, the pre is charged using an innovative wireless "Touchstone" charging dock. You simply place the dock on your desk, plug it into the wall, then place your pre on top of the dock. The device is held in place thanks to magnets built into the dock – there is no need to plug the pre directly into in an AC adapter.
Martias also went into great detail about the webOS and the numerous gesture-based commands available on the pre. I cannot possibly cover every single feature in this space, but here are a few highlights:
Sprint will be a launch partner for the pre. The pre will be available the first half of 2009 exclusively from Sprint. Pricing is not available at this time.


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Choose from assayed and unassayed controls suitable for monitoring precision of both general and special serum chemistry tests
Bio-Rad is excited to introduce 2D barcodes, with value assignment for analytes on the Vista test menu. Available for Vista customers who currently "pour-off" Bio-Rad controls into Vista vials. You may now easily and efficiently set-up your QC by scanning 2D barcodes to automatically upload Vista values directly to the Vista analyzer, which saves technician time and may reduce data entry errors. 2D barcodes with Vista values are provided as Insert Updates available at www.myeinserts.com click on "Start My eInserts".
Lot numbers for 2D Barcode Insert Updates will be the same as existing branded controls, but will be identified with a suffix 'B' at the end of the lot number, i.e. 45620B on myeinserts.com. Subsequent Insert Updates will be identified with the suffix 'BU'.
2D barcodes with Vista values are provided as Insert Updates available at www.myeinserts.com
Visit myeinserts.com to find out more about it or click the button to start the application.
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For use as part of laboratory pre-analytical interference testing to monitor an instrument's response in detecting hemolyzed, icteric or lipemic (HIL) samples.
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