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* Rare action seeks to hold board members accountable for manager
* Morgan Keegan founder served as head for 34 years
By Sarah N. Lynch and Suzanne Barlyn
WASHINGTON, Dec 10 (Reuters) - U.S. securities regulators filed civil charges against eight board members of mutual funds run by Morgan Keegan, including one of the firm's founders, saying they failed to oversee managers who inaccurately priced toxic mortgage-backed assets leading up to the financial crisis.
The charges from the U.S. Securities and Exchange Commission on Monday against the firm's founder Allen Morgan Jr. and seven others marked a rare effort by the agency to hold the board of a mutual fund responsible for wrongdoing by its manager.
Such boards are supposed to represent the interests of the shareholders who own the funds - not those of a manager or sponsor. But the SEC has rarely held board members accountable when funds run into trouble, prompting criticism that the system of oversight is too weak.
The SEC said the eight former board members had violated laws requiring fund directors to help determine the fair value of securities when market quotations are not available. The directors delegated the responsibility to a valuation committee without "providing meaningful substantive guidance on how fair valuation determinations should be made," the SEC said.
Five of Morgan Keegan's bond funds had loaded up on mortgage-backed securities during the real estate bubble. But when prices started to drop in 2007, the funds mispriced the securities to hide large losses, the SEC said. The value of the funds ultimately plunged.
The directors also made no meaningful effort to learn how the fair values were determined, the SEC added.
"Investors rely on board members to establish an accurate process for valuing their mutual fund investments," SEC Enforcement Director Robert Khuzami said. "Otherwise, they are left in the dark about the value of their investments and handicapped in their ability to make informed decisions."
Mercer Bullard, a University of Mississippi law professor and an advocate for fund investors, said the case was significant because the SEC has rarely pursued charges against mutual fund directors.
"The mere fact of charging the independent directors would reflect a fundamental shift in the SEC's investment-management enforcement strategy," Bullard said.
The case comes about 1 1/2 years after Morgan Keegan, now a unit of Raymond James Financial Inc, agreed to pay $200 million to settle fraud charges in a related case tied to the subprime mortgage crisis.
A star manager at the firm, James Kelsoe, also agreed to pay $500,000 in penalties and be barred from the securities industry for life.
The 2011 settlements with regulators included details of how Kelsoe used risky mortgage-backed securities to inflate his funds' values.
Neither the brokerage nor Kelsoe admitted or denied the allegations.
The seven other board members charged by the SEC are Kenneth Alderman, W. Randall Pittman and Mary S. Stone of Birmingham, Alabama; Albert C. Johnson of Hoover, Alabama; Jack R. Blair and James Stillman R. McFadden of Germantown, Tennessee, and Archie W. Willis III of Memphis, Tennessee.
Attorneys for Alderman and Morgan, who lives in Memphis, could not be reached immediately. Lawyers f or the other defendants said they intended to fight the charges.
"The SEC has chosen to ignore a host of facts and circumstances which demonstrate that these directors at all times acted diligently and in good faith during the unprecedented market turmoil of 2007," the lawyers said in a statement.
Allen Morgan, Jr. co-founded Morgan Keegan in 1969 and served as its chairman and chief executive from its inception until 2003. In 2002, he was also chairman of the retail brokerage industry's trade group, then called the Securities Industry Association.
The SEC's charges against the board members could add fuel to a wave of litigation against the company, depending on the allegations and ultimate findings, lawyers say.
Morgan Keegan has faced more than 1,000 customer arbitration cases over the bond funds, which invested in risky mortgage-backed securities while being marketed as being safe. The funds later lost as much as 80 percent of their value as the subprime market imploded in 2007 and 2008. Some of those cases are still winding through the Financial Industry Regulatory Authority's arbitration system.
"It's a good development for people who still have cases remaining," said Andrew Stoltmann, a Chicago-based lawyer who has represented investors in arbitrations involving the funds. "It illustrates that the fraud went to the highest level of Morgan Keegan, including the directors and the named person of Morgan Keegan."
In October, Morgan Keegan and thousands of investors in a closed-end fund at issue agreed to a $62 million settlement, subject to court approval. Shares of closed-end funds represent a stake in a portfolio of securities. There are a fixed number of these shares so they don't offer the same liquidity as open-end funds' shares.
Other pending litigation includes a class action suit stemming from the open-ended, or conventional, funds at issue. All board members named in the SEC's action on Monday are also defendants in that case, according to the plaintiff's lawyer.
Regions Financial Corp, the former owner of Morgan Keegan, retained responsibility for the fund litigation.


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Canal-front property with a house that has an unfinished interior. Also includes the Stumpy Point Post Office Building which produces $330 per month income. That will cover $59,280 on a 30 year loan with 4.50% interest! As a result of a previous flood the floor system was replaced.
While at it, the low ceilings were raised. Also installed is the "rough-in" for new wiring, heating & air duct work in the attic and new plumbing lines. Currently there are open stud walls throughout the inside waiting for your wall covering. This lot stretches from the highway to the canal and beyond.
This property also has a 16' x 32' barn at the rear, next to the canal. The Post Office Building measures 14' x 24'. Also included in the sale are new kitchen cabinets. (not installed but located in the barn out back).
Salt Marsh

subset: commoncrawl


text:
I had a similar unsatisfactory encounter with the computerised switchboard at Cheltenham General Hospital, which, you reported, failed to recognise a Gloucestershire accent.
I was trying to admit a very sick patient as an emergency at 2.30 in the morning, only to be greeted by a ridiculously cheerful automatic voice, which persistently put me through to the wrong department.
Presumably this is all part of a cost-cutting exercise to fund the excessive quantity of managers in the NHS whose number we were promised by Government would fall, but have in fact mushroomed.


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MATAWAN, NJ -- (Marketwire) -- 08/09/10 -- B Green Innovations, Inc., (OTCBB: BGNN) reported on Form 10-Q filing with the Securities and Exchange Commission, net income of $1,267,806 for the six months ended June 30, 2010. In the same time period last year, the Company reported a loss of $906,682, a net positive change of $2,174,488. This reversal was due to a recorded gain from the extinguishment of the derivative liability in the amount of $1,636,695. Total Other Income was $1,513,705 for the six months ended June 30, 2010 as compared to an expense of $641,075 for the six months ended June 30, 2009.
Total revenues increased 87.6% and 119.0% for the three and six months ended June 30, 2010. Gross profit increased 87.4% and 112.1% for the three and six months ended June 30, 2010.
Jerry Mahoney, Founder of B Green, commented, 'We are proud to report these results for the six months ended June 30, 2010. The Company is doing an excellent job of delivering great results. We look forward to continuing to deliver superior results throughout the rest of the year. Shareholders should read the complete details for the quarter and six months ended June 30, 2010 in the Company's recently filed Form 10-Q with the SEC.'
About B Green Innovations
B Green Innovations, Inc. ('B Green'), 'Go Green' mission from its inception, is to create a 'Green' company for the development of solutions to eliminate waste from the world's environment. B Green offers consumers a realistic and necessary solution to the problem of waste around the world. We believe that to truly have an impact on the planet, one must be committed to the environment and seek out environmentally friendly products.
Certain information included in this press release, may contain forward-looking statements about our current and expected performance trends, growth plans, business goals and other matters. These statements may be contained in our filings with the Securities and Exchange Commission, in our press releases, in other written communications, and in oral statements made by or with the approval of one of our authorized officers. Information set forth in this press release contains various 'forward-looking statements' within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. The Private Securities Litigation Reform Act of 1995 (the 'Act') provides certain 'safe harbor' provisions for forward-looking statements. The reader is cautioned that such forward-looking statements are based on information available at the time and/or management's good faith belief with respect to future events, and are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in the statements. Forward-looking statements speak only as of the date the statement was made. We assume no obligation to update forward-looking information to reflect actual results, changes in assumptions or changes in other factors affecting forward-looking information. Forward-looking statements are typically identified by the use of terms such as 'anticipate,' 'believe,' 'could,' 'estimate,' 'expect,' 'intend,' 'may,' 'might,' 'plan,' 'predict,' 'project,' 'should,' 'will,' and similar words, although some forward-looking statements are expressed differently. Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct.
Dolores Serafin


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Acorn is a UK based company situated in the heart of Bournemouth, specialising in Wood Floor Sanding, Floor Restoration, Floor Refinishing, French Polishing and Floor Repair.
Here at Acorn we are very lucky to have a team of highly skilled Craftsmen, who are dedicated to their job and are experts at Floor Sanding, Floor Restoration and at overcoming your flooring disasters.
We are now offering our Superior Floor Sanding Services in all of these areas:
southampton, bournemouth, poole, dorchester, weymouth, hampshire, dorset, warminster, southampton, hampshire, ringwood, eastleigh, winchester, christchurch, bournemouth, yeovil, poole, dorset, frome, swanage, boscombe, new forest, new milton, lymmington, sturminster Newton, romsey, lyndhurst, selwood, christchurch, blandford, burton, salisbury, sherbourne, blandford Forum, shaftesbury, westbury, yeovil, wimbourne, highcliffe, bridport, wareham, sanding floor bournemouth, verwood, lulworth, ferndown, wincanton, brockenhurst, gillingham
Wood Floor Sanding in Bournemouth, Dorset, Hampshire and Wiltshire
Floor Sanding
Our floor sanding process will revive any tired, scratched or damaged wooden floor. We are able to adapt our processes to cope with any hard or soft wood area and we have the experience and expertise to scale our processes to suit both domestic and commercial clients.
Floor Repair
The Acorn specialists have the skill and technology to fix hardwood and laminate flooring mishaps of every kind. Our skilled team can replace damaged boards in your floor with the same species and grade of wood as the existing flooring, with our custom colour-mixed filler.
Floor Restoration
Our Floor restoration service is very extensive, we are lucky to have dedicated craftsmen who are highly skilled with many years of experience in all areas of wood floor restoration. Here at Acorn, we only use the best products available for our customers, including state of the art 'Bona' equipment and polish.
About Acorn Floor Sanding
Mission Statement
Our firendly and knowledgeable staff will provide products and services to help inspire, educate and deliver the highest value to our customers, using the latest technology to restore the natural beauty of a wooden floor.
Click Here to Meet the Team


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Seat & Floor Cushion
Made of a wondrous new material that's like a cross between felt and rubber, these cushions boast an excellent grip on both sides that keeps them in place and helps you maintain good posture.
They're also water-repellent, sturdy, and resistant to germs and grime, so they should last a long time even in households with kids! They're two-toned, featuring a different color on each side, and can be used as either floor or chair cushions as you see fit.
Product: Zabuton Seat & Floor Cushion
Colour: Blue x Gray, Green x Yellow, Pink x Brown
Size: S size - W310 x D345 x H22mm
Materials: Natural Rubber, Nylon fiber, Urethane Sponge
Country of Origin: Japan
Designer: Satoshi Umeno
1. For ready stock items, item(s) will be delivered within 2-3 working days after buyer make payment.
2. Should stocks run out, pre-order / restocking takes about 7-14 working days. No cancellation will be allowed during the pre-order period once payment has been made. Seller has rights to extend the pre-order / restocking period depends on the shipment from suppliers.
3. Return Policy:
Good sold are not returnable or refundable, unless the items received are defective, damaged or incorrect item.
Buyer can look for exchange within 7 days from the date of received the items by email to firstname.lastname@example.com or call to +603-2145 7878.
Exchange is not allowed if buyer do not email or call to inform seller within 7 days from the date of received.
Items that have been used, modified, abuse, stained with dirt, non-apple101 commerce network sales items, not allowed to be return / exchange.
Items and receipt must return to seller in the original condition.
All delivery cost (from & to) will be borne by buyer
Effective 1st April 2015, all goods and services may be subjected to GST 6% upon checkout.
subscribe and get special promotion updates
MCIL Multimedia Sdn.Bhd.(515740-D)


text: Alan Cox <email@example.com> writes:> On Thu, 2002-09-19 at 20:39, Christer Weinigel wrote:> > This mail contains a patch to fix a performance problem with many> > Cyrix MediaGX/NatSemi Geode platforms. The register settings have> > been officially recommended by NatSemi themselves. The patch is> > against linux-2.4.20-pre7. Should this be merged into the mainsteam> > linux kernel?> > This wont actually make an iota of difference in most cases. The CS5530> IDE driver will force this value to 0x14 anyway. It also sets MWI on te> X-bus which is needed too.Ok, it did make a 5% difference when I did some quick tests on TCPperformance. But I didn't have the CS5530 IDE driver loaded.> Probably the fixup should be done in the PCI quirks.Sounds it should be moved from the IDE driver to quirks at least, butthat might be a 2.5 thing in that case. /Christer-- "Just how much can I get away with and still go to heaven?"Freelance consultant specializing in device driver programming for Linux Christer Weinigel <email@example.com> http://www.weinigel.se-To unsubscribe from this list: send the line "unsubscribe linux-kernel" inthe body of a message to firstname.lastname@example.com majordomo info at http://vger.kernel.org/majordomo-info.htmlPlease read the FAQ at http://www.tux.org/lkml/


text:
Read NOW all frequently asked questions about fingers.
Latest update on topic "fingers" was on 24 October 2016 by Eliz .
Overall quantity of recently asked Questions on this topic is (1).
Find the BEST Answers on #fingers Questions and share them with your friends.
Stay tuned and follow us on Facebook, Twitter, Pinterest and Google+.
We have prepared a simple test that will help you to know a little more about yourself, your loved ones and even strangers just by looking at the fingers.


text:
Sahara reporters initially reported the story that the Minister of Aviation, Stella Oduah purchased two BMWs worth about N255 million ($1.6 million) recently. The story went unconfirmed for a while, but just today, the Ministry confirmed this to be true.
According to Punch Newspaper:
The two black BMW 760 Li HSS vehicles had chasis numbers WBAHP41050DW68032 and WBAHP41010DW68044, and were reportedly delivered to the NCAA on August 13, 2013. They were received by two store managers, F. Onoabhagbe and Y. A. Amzat, who is also the agency's head of transport. It is estimated that they were received between August 13th and 15th 2013.
Since Stella Oduah has been in office, there have been 2 air-crashes in Nigeria, most notably the Dana aircrash in June 2012 that killed over 150 people. There have also been near misses, most recently the Kabo Air flight carrying passengers to Saudi Arabia that had to have an emergency landing after the tires exploded mid air.
Recently she has been catching a lot of heat for saying "We do not pray for accidents but they are inevitable. But we will continue to do everything to ensure that we do not have accidents. But an accident is an act of God." For someone in charge of air safety in Nigeria, these statements hit the wrong nerve for a lot of Nigerians.
What do you make of this development? Many Nigerians are calling for her to be sacked following these allegations.


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Ernesto Lara's journey toward becoming an all-breed professional handler began with an act of valor. While visiting an aunt in his hometown of Mexico City, the quiet 13-year-old overcame his fear of dogs in an instant by preventing a fight between the woman's Airedale Terrier and another dog.
"I didn't think about it," Ernesto says, when asked how he managed the courage to restrain the territorial Terrier. "I just did it."
That Airedale, named Bengal, became Ernesto's dog. Their tumultuous introduction was the first of several experiences that would eventually lead the young man to a successful handling career, first in Mexico and then in the United States.
Meeting the Neighbors
Ernesto enjoyed walking his new friend around the neighborhood. One day while passing by a house with a variety of pets in the yard, two girls asked him if his dog was an Airedale. "Our mother breeds dogs," they told him, and soon he was introduced to Tita, mother of his good friend and current assistant, Carlos de la Torre.
"Does your dog have papers?" Tita asked. Her husband was a vet, and the family knew quite a bit about animals – especially dogs. When Ernesto showed Tita the Airedale's pedigree, the woman could see that this was a well-bred dog.
Ernesto liked the idea of breeding his dog someday, but there was one thing he hadn't considered. "Nobody will use him unless he's trimmed," Tita told him. So arrangements were made for Bengal to be groomed the following Saturday.
Ernesto took his Airedale to Tita's house and promptly received his first lesson in hand-stripping. "I thought we were going to use clippers," he remembers thinking. During the grooming session, Tita showed the young man a dog book with photos of various breeds. "She showed me pictures of the Airedale and Welsh Terriers, and said that, although they looked similar, they're not the same breed. She showed me a photo of the Bedlington and told me it's the Greyhound of the Terriers."
"Tita liked to teach," Ernesto remembers. Their time together was the beginning of the young man's education in the world of purebred dogs and dog shows.
A Magazine's Influence
"I was spending time with Tita, going with her to dog shows," recalls Ernesto. During this time, he began poring over the woman's copies of "Terrier Type" magazine. "'Terrier Type' arrived in Mexico six months late, and I studied the photos and pedigrees. I started to learn English by translating the magazine," Ernesto says.
In "Terrier Type," Ernesto appreciated the photos of some of the best dogs being shown in the U.S. "I saw pictures of Ric Chashoudian's Lakeland Ch. Jo Ni's Red Baron of Crofton, and his son, Ch. Baron's Carbon Copy, shown by Peter Green," he remembers. "Carbon Copy was bred in Mexico by Antonio Lemus, who was very active and spent time in California helping Ric for a little bit," Ernesto says.
The international shows held in Mexico provided the fledgling fancier opportunities to see first-hand many of the dogs he'd seen only in the magazines. Through a local Terrier club, he learned that California professional handler Eddie Boyes was coming to show a Wire Fox Terrier and give a seminar. "I went with Tita's family, who'd kind of adopted me," Ernesto says.
In 1978, the World Dog Show was held in Mexico City. Many American handlers came to show, including Dick Cooper, who taught Fernando Treviño in the late 1960s or early '70s. "Fernando started showing dogs as a kid. He was a real professional and showed for wealthy clients in Mexico. When I met him, he'd retired from handling and had started to judge."
The former handler provided Ernesto with a single valuable lesson in presentation. "Fernando imported several dogs, including a Kerry Blue, owned by Tita and her husband," he remembers. "Because of the dog's trim, he wasn't winning, so Fernando took him to get him ready for a midweek specialty show. It was amazing for me to see the transformation from Sunday to Wednesday. I knew the dog, and in my eyes he acted differently with Fernando. He showed himself proudly."
Ernesto says of Treviño's influence, "He inspired me. Everybody wanted to be like him."
From Hobby to Career
"The first time I showed a dog, it was under Bob Forsyth. I didn't even know who he was," Ernesto laughs. The dog was the Airedale Bengal, and the points earned that day marked the beginning of Ernesto's life in the show ring.
Ernesto put himself through school with the money he earned handling dogs. He did very well for himself, in fact, showing the number one dog in Mexico in 1988. His introduction to this particular dog reflects the close association between fanciers in the U.S. and Mexico, and highlights a friend's exceptional "eye for a dog."
"I was at a show in Puebla, and I took along Carlos de la Torre, who was just a kid, maybe 12 years old. One time after the show, he came to me and said, 'You have to come see this dog. I think it's nice, and this lady needs a handler.'"
Susanne Heffner was a stuntwoman from California who owned a Bouvier des Flandres named Icobod De'L Sprit. Ernesto met up with the lady and her dog by the hotel's pool later that day.
"Carlos showed me this Bouvier that was kind of shy. So I asked him, 'What do you know about Bouviers?' and he said, 'That's the thing, you just have to see him.' He began to walk the dog around the pool, and pretty soon Icobod started to move better and better. He was out of shape and didn't have a haircut, but I could see he was a nice dog. So I said, 'Okay,' and this dog later became top dog all breeds."
With each new dog he showed, Ernesto was given an opportunity to learn. He would show for two days, study the standards during the week, and apply what he learned the following weekend. "I just wanted to learn," he says.
Memorable Introductions
Ernesto is justly proud of the many talented breeders, owners and handlers in Mexico who have always maintained the highest standards in their efforts to promote purebred dogs. "There is a lot of talent in Mexico at all times," he notes, and mentions Carlos Novarro, David Osuña and Adrian Escandon among the many influential fanciers who have done much for the sport in Mexico and the U.S.
Sergio Balcazar was a man of great influence to many young handlers, including Ernesto and Gabriel Rangel. The Mexico City resident traveled to the U.S. for business, sometimes attending specialty shows where he would find Lakelands, Welsh and Scotties to bring back for people to see. "He imported some very nice dogs, including the Smooth Ch. Foxmoor Macho Macho Man. He kind of revived all the Terriers in Mexico," Ernesto recalls.
"Sergio co-owned a Wire Fox Terrier with Ric Chashoudian in the late '80s and early '90s, and got Ric to come to Mexico to show a couple of his dogs. That's how I got to meet him.
"I don't think anybody had as much passion about dogs," Ernesto says of Ric. When the man Ernesto knew only from "Terrier Type" magazine was scheduled to arrive at a local show, he made certain he was there to greet him. "I wanted to see him coming in the door," he says.
Balcazar introduced the young handler to the man Ernesto describes as a great teacher. "Ric was not a politician. He would say what he thought," says Ernesto. "He knew that while you teach, you learn, and his way of teaching was specific to each person. Ric was in the military, and he taught that way," says Ernesto. "He wouldn't let you get away with anything."
The Green Team
The seeds of Ernesto's move to America were planted in 1985 at a dog show in Vera Cruz. He was asked to translate for visiting American judge Esme Treen, with whom he shared his desire to learn more about Terriers. He mentioned the possibility of working for Ric Chashoudian, but was told that he wasn't really handling much anymore. She said, "You want to go work for Peter Green."
He got in touch with Peter at Greenfield in Bowmansville, Pa., but was unable to leave the country at that time due to a military obligation. So, for the next 10 years, he worked as a handler in Mexico, traveling on occasion to the U.S. to show his clients' dogs.
In 1994, while showing in Texas, Ernesto met up with Gabriel Rangel, who'd come to work in the States eight years before. "I set up next to him, and we started talking about going to Montgomery together," he recalls. As it happens, Ric Chashoudian was judging at the show and mentioned to Ernesto that Peter Green needed an assistant, somebody he didn't have to teach from scratch. "Will you do it?" the teacher asked his student.
By that time, Ernesto had abandoned the idea of coming to the U.S. to learn. He had a successful career at home, and no longer felt that it was something he needed to do. Nonetheless, he did agree to revisit his earlier plan and made arrangements to relocate to Greenfield for a year. Ernesto had only one month to prepare for his move, but first he needed to tell his clients that they must find another handler.
He flew from Mexico to Philadelphia that fall in time for the Westbury Kennel Club's show. Peter met him at the airport, testing his fitness for the job by squeezing his arm. Now properly introduced, the two men got to work preparing for the first of many dog shows they'd attend together.
A Very Well-Run Army
Ernesto joined Peter, Beth Sweigart and Andrew Green as part of what would become known as the Green Team. "I originally planned to come for a year or two," Ernesto confides, 18 years later.
"We were an army," Ernesto says of the Green Team's coordinated effort to show dogs. "This is not an exaggeration. We showed 75 dogs at Bucks County one time, 67 at Montgomery and 47 at Westminster. It was all very well-run."
Showing dogs on such a scale is not for the faint of heart. "After a while, it doesn't hurt," Ernesto says of the demanding job. "The Green Team was very tough. Everyone was a hard worker. Peter was not afraid to do anything, and Beth never gets tired!"
"We showed our dogs like a big family," he says. Beth organized the schedule so everyone knew where to go, what to do and when to do it. "We also had a bunch of people who would come and help for the weekend," he says. "You don't get that kind of experience anymore."
In his first year on the job, Ernesto says that he learned how much he didn't know. He only began to learn in his second year, and by the third year, he declares, "I was stuck."
The hard-working assistant found it impossible to leave the excitement generated by the dogs he was exposed to. "I was spoiled," he says. "We had just had Willum, then the Kerry Blue, and the Airedale. And Rocki was coming up. I couldn't walk away because I wouldn't find these dogs anywhere else," Ernesto confides. ('Willum' was the Norwich Terrier Ch. Chidley Willum the Conqueror, Number 2 among all breeds in 1993 and Best in Show at Westminster 1994, owned by Ruth Cooper and Patricia Lussier. 'Rocki' was the Norwich Terrier Ch. Fairewood Frolic, Top Dog among all breeds in 1997 and Best in Show at Westminster in 1998, bred in Canada by Lotus Tutton, owned by Glorvina and Sandy Schwartz. "The Airedale" is Ch. Serendipity's Eagle's Wings, who was handled by Andrew to Number 1 Airedale 1994, '95 and '96 with a Best of Breed at the Airedale Terrier Club of America at Montgomery and 26 Best in Shows, bred by Barbara Schneider and owned during his show career by Joe Vaudo and Barbara.)
Ernesto enjoyed traveling with Peter to shows. "He's a great teacher," he says of his former boss. "You just have to watch him work." Ernesto enjoyed asking questions too, and found Peter to be a great storyteller as well as an adept instructor. "I would ask him about dogs he had that I liked, and he would tell me all about them," he says. "I once asked Peter which dog he would like to have shown, and he said he had every nice dog he ever wanted to show. Who else can say that?"
In 2006, Peter and Beth retired from professional handling. After the Garden that year, the senior members of the Green Team began their judging careers, leaving Ernesto to carry on with the business of showing the dogs.
Ernesto found the transition to be a challenge. "We came home from Westminster on Wednesday, and on Thursday I was on my way to shows in Maryland. There was no transition," he remembers. Ernesto recalls leaving for the shows as Peter and Beth waved goodbye. "It was hard for them too," he says.
Fortunately, Ernesto headed out of the driveway with Leonardo Garcini riding shotgun. Leonardo, who is also from Mexico, had arrived at Greenfield as an apprentice the year before, and he and Ernesto had become good friends. With Leonardo around, Ernesto could once again speak Spanish at home.
Always Be Nice to the Dogs
His old pal, Carlos de la Torre, assists Ernesto today. The two men have maintained their friendship through the years and now work together showing some of the top dogs in the country.
"The pace now is crazy," Ernesto admits. "The only way to make a number one dog is to go out every weekend." He says that in order to do this, it is important to establish a weekly routine for keeping the dogs in condition. Keeping them happy and healthy is just as important as winning in the ring. "Always be nice to the dogs," he says.
At dog shows, Ernesto sets up crates and ex-pens like a little village, a practice he learned from the Green Team. "Shy dogs go up high so they feel secure. Dogs that bark usually stop barking in this setup," he says.
Ernesto's team shows far fewer dogs today than handlers did in the past, although the challenges and rewards of presenting great dogs to perfection remain the same. He makes every effort to be sure that his clients' dogs look their best in the ring. "I never see my own dogs being shown," he says, "so I ask my assistants for their opinion." Getting a second opinion is something he learned from Ric Chashoudian who understood that in order to be a great teacher, it was necessary to be a good student first.
As he reflects on the people who have influenced his life in dogs, Ernesto says that becoming a professional handler was never something he wanted to do. "I never thought I would do this for a living. I liked it so much that I didn't want it to become an obligation. I wanted to enjoy it."
When asked what he enjoys about his life in dogs today, his answer is one that would no doubt please his mentors: "It's a pleasure just to see a good dog."


text:
Golden Sail
NY Harbor on a wonderful Autumn day...have a great BP day!!
Uploaded on 10/26/2012 3:02:41 PM
Made with Canon EOS Digital Rebel XTi (400D/Kiss X) Digital SLR Camera
Copyright for this photo belongs solely to Janice Mezzacappa. Images may not be copied, downloaded, or used in any way without the expressed, written permission of the photographer.


text:
Countless books have been written on how to achieve career success, but their advice can, without great loss, be reduced to these admittedly boy-scout-like musts:
Be trustworthy. That goes well beyond keeping your word. It mainly means that when you get an assignment, it will be done, on time, and well--all the time. Your boss may not balk when you mumble your excuse but your unreliability will remain in memory.
Show initiative. Much more is under your control than you may think. Instead of complaining about a problem, fix it, asking permission only if necessary.
Go beyond. Provide something unexpected that will please your higher-ups. Let's say your boss is all about the bottom line. Write a report for improving it.
Be the go-to-guy/gal on something key to your organization: CRM software, on-boarding new employees, selling to Latino teens, whatever. Maybe write an article on that for a trade publication--higher-ups love to see their organization touted externally.
Sweat the details. Big-picture thinkers are a dime a dozen and their proposals usually make more work for people. What's mainly needed are people who can execute the boss's vision without much hand-holding.
Be positive. Every workgroup benefits from having one person who focuses on the problems. As Andy Grove, former Intel chairman and CEO, has said, "Only the paranoid survive." But generally, the yes-butter is regarded as a necessary evil rather than an up-and-comer. Unless your boss makes a truly unreasonable demand, be a person who makes it happen. And no bashing the company. If it's really worth bashing, shouldn't you be looking for another job?
Be likeable. It's hard to get ahead if many co-workers, bosses, and customers dislike you. In addition to having a positive bias, look for ways to make your co-workers and customers' lives better. For example, make them look good, help them get ahead, or when someone seems frazzled, ask if there's anything you can do to help. Take something off their plate or simply listen to them vent. The most potent question you can ask, especially of your boss: "Anything I can do to make your life easier?"
Speak up. Avoid self-aggrandizement. Instead, share credit. For example, toward the end of a discussion, say something like, "Having listened to what John, Mary, and Tom said, I'm wondering if we should X?"
Show that you're smart. Getting promoted means doing something you haven't done before. So higher-ups need to believe you can learn quickly.
Ask. Thank your boss for what they've done to help you--earned flattery helps. Then ask what you need to do to get the job to which you aspire, and do it--include working on your weaknesses rather than defending yourself. Demonstrate that you have the skills for the job you're seeking. Read articles, attend webinars, watch masters in action, see if you can wrangle opportunities during your workday to hone your new skills.
Look for another job. Even if your current organization seems to have a realistic path forward for you, it has only so many plum jobs and only so much money to give for raises. If your employer is afraid of losing you, and you quietly let it be known there's outside interest in you, you're more likely to get what you want.
So is it time to read one of the zillion articles here on U.S. News on how to land a job?
The San Francisco Bay Guardian called Dr. Nemko "The Bay Area's Best Career Coach" and he was Contributing Editor for Careers at U.S. News. His sixth and seventh books were published in 2012: How to Do Life: What They Didn't Teach You in School and What's the Big Idea? 39 Disruptive Proposals for a Better America. More than 1,000 of his published writings are free on www.martynemko.com. He posts here every Monday.
More From US News & World Report


text:
Private browsing
To browse without leaving any trace of the websites you visit, you can use a private tab or window. This is especially useful if you are using someone else's computer, or planning a surprise that you want to keep secret. When you close a private tab, the following data related to the tab is deleted:
- browsing history
- items in cache
- cookies
- logins
A closed private tab or window cannot be recovered from the "Closed Tabs" drop-down on the right side of the tab bar.
While private tabs or windows do not leave any record of the websites you visit, if you deliberately save data, for example, if you save a bookmark, or download a file, it will still be visible after the tab is closed.
Create a private tab ¶
To create a private tab, select right-click the tab bar and select "New Private Tab" from the context menu.from the menu. Alternatively,
Close a private tab
Close a private tab in the same way as a normal tab. To close all the private tabs you have open at once, right-click a tab and select "Close All Private Tabs" or use the Ctrl+Shift+Q keyboard shortcut.
Private windows ¶
If you prefer to use separate windows when browsing, rather than tabs, you can create a private window by selecting. Closing the window removes all traces of your browsing.


text:
from The Century Dictionary and Cyclopedia
- n. A colorless, sweet, syrupy carbohydrate, C6H12-O6, prepared by the condensation of formaldehyde under the influence of magnesium hydroxid. It is probably a mixture.
Sorry, no etymologies found.
Norway looks amazing, the cost of stuff though sounds outrageous, even my London wage would struggle over there I reckon! velvetgeis ... on August 31, 2008 10: 42 AM chris can you send methose pictues on a dvd ot email the ones i am in of corse:) and could i have your contact info? would be cool to do something next time we are on the same continent


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The GiFiles,
Files released: 5543061
The Global Intelligence Files
On Monday February 27th, 2012, WikiLeaks began publishing The Global Intelligence Files, over five million e-mails from the Texas headquartered "global intelligence" company Stratfor. The e-mails date between July 2004 and late December 2011. They reveal the inner workings of a company that fronts as an intelligence publisher, but provides confidential intelligence services to large corporations, such as Bhopal's Dow Chemical Co., Lockheed Martin, Northrop Grumman, Raytheon and government agencies, including the US Department of Homeland Security, the US Marines and the US Defence Intelligence Agency. The emails show Stratfor's web of informers, pay-off structure, payment laundering techniques and psychological methods.
afghan whigs
Released on 2012-10-19 08:00 GMT
|2009-12-01 18:18:43
**need to get this rolling, we're already behind on the issue. Will
integrate any additional comments in FC
Display: Getty Images # 93506608
Caption: The White House
Title: Afghanistan: Leaks and Publicity Preceding the Announcement
The broad strokes of U.S. President Barack Obama's Afghan strategy -- to
be announced later Dec. 1 -- are emerging through deliberate leaks and
coordinated publicity efforts.
On Nov. 29, the White House began to put its plans for Afghanistan in
motion ahead of the much-anticipated announcement by U.S. President Barack
Obama of the new strategy for Afghanistan at the U.S. Military Academy at
West Point. By Dec. 1, the media was rife with insider information and
unnamed sources.
But the White House has kept a relatively firm lid on its internal
deliberations until now. In conjunction with a tour of the morning
talk-show circuit Dec. 1 by White House spokesman Robert Gibbs, the media
coverage is almost certainly part of a coordinated, deliberate and
systemic set of leaks prepping the domestic audience for Obama's
announcement Obama's domestic audience for the announcement.
However, as this information campaign is likely rooted in was likely
organized by the White House, and much of what has been said this morning
is compatible with Gibbs' discussions, they are it is also likely to
reflect the broad strokes of the strategy. Most reports suggested an
increase surge of 30,000 additional U.S. troops (several reports have
gone as high as 35,000) supported by as many as 5,000 additional allied
troops. However, though a number of allied countries have already agreed
to provide additional troops, it is not clear whether this number will be
reached anywhere near 5,000 will be provided by allied countries. Though
While Gibbs did not discuss troop numbers, he did suggest that troops
would be deployed rapidly and the full surge might be in place as early as
May 2010.
The broad strokes of the missions these troops will be dedicated to
achieving appear to be:
o Preventing al Qaeda from returning to Afghanistan
o Preventing the Taliban insurgency from taking over the country
Though the Obama administration appears to remain rhetorically focused on
the former, turning the tide against the Taliban has become the more
pressing issue. To this end, the focus goal appears to be on degrading the
Taliban's capability to the point at which Afghan security forces can
contain it -- but not attempting to destroy the Taliban as a phenomenon.
The idea seems to be to degrade the Taliban to the point where indigenous
security forces can manage the problem. Meanwhile, efforts to erode
support for the Taliban by attempting to integrate the lower ranks of less
committed fighters into the tribal structure or lure them away into paid
jobs in the security forces would aim to drive a wedge between hard-line
fighters and their less ardent supporters.
Meanwhile, in addition to accelerating and expanding training efforts for
those indigenous security forces, American military efforts are expected
to focus on securing key population centers like Kandahar province in the
restive southwest, where additional U.S. and allied troops have already
been deployed, and Helmand province, where troops are already heavily
engaged and spread thin. already surged into Afghanistan -- both U.S. and
allied -- are already heavily engaged, and spread thin, in Helmand
Ultimately, as we have already discussed, the mission and strategy under
which these troops will operate is more important than their precise
number. Our weekly Geopolitical Intelligence Report will address the
matter in more detail following President Obama's announcement.
o http://www.stratfor.com/analysis/20091130_afghanistan_status_update
o Afghanistan: The Nature of the Insurgency
o Afghanistan, Pakistan: The Battlespace of the Border
o The Jihadist Insurgency in Pakistan
o Geopolitical Diary: Afghan Taliban and Talibanization of Pakistan
o Strategic Divergence: The War Against the Taliban and the War Against
Al Qaeda
o Obama's Afghanistan Challenge
o The Devolution of Al Qaeda
Mike Marchio


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Finding Books
Calvert Library partners with St. Mary's County Public Library and Charles County Library to offer a wide array of books and other materials for the residents of Southern Maryland. You can search the Tri-County catalog online using COSMOS.
Didn't find it in COSMOS? There are other ways we can help you in your search.
The Maryland-wide MARINA system allows us to search other public libraries in the state to find items not owned in Maryland. Please allow plenty of time to receive your book.
Place a MARINA request.
If you still can't find what you need, please ask the librarian.


text:
Rebel Love (Silhouette Desire)
Future Bride? Years ago, Cassandra Whitfield became a woman in bad boy Gard Sterling's arms. To Cassie, their shared passion seemed filled with promises-yet the very next day, Gard didn't even know her name! but now, the terms of her father's will brought her back to Montana-to face the last man she ever wanted to see again. Forgotten Lover? Gard had come a long way from town rabble-rouser to respected rancher. And he was willing to do just about anything to get close to the beautiful new owner of the Whitfield ranch. But what had he done to make her so mad...?
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J.R.R. Tolkien - Born January 3, 1892
Today is the anniversary of the birth of J.R.R. Tolkien, the author of The Hobbit, The Lord of the Rings, The Silmarillion and many other works. Not only was he a wonderful author whose writings have brought pleasure to many and whose LOTR was recently brought to the big screen, he was also a brilliant linguist, medievalist, and a genuis mind. He is one of my personal heros.
Author and English scholar whose unparalleled love of linguistics resulted in "his unique insight at once into the language of poetry and the poetry of language." After completing his studies at Oxford University, Tolkien served as Professor of Anglo-Saxon (Old English) at his alma mater. When he was not in the classroom, Tolkien was bringing the fantastical world of Middle-earth to life on the written page. Middle-earth, which he gave an Old English name, was inhabited with creatures like Elves, Dwarves, Trolls and Hobbits. The most famous of Tolkien's tales include The Hobbit (1937) and The Lord of the Rings (1955). The popularity of Tolkien's works have not waned with age as evidenced by the overwhelming success of the screen adaptation of The Lord of the Rings.
For more information on Tolkien to honor him on this date, see here or click above on the title to this post.
You've been told and NOW YOU KNOW.


text: In article <31c1ou$o1d at marlin.ssnet.com>, kangj at marlin.ssnet.com (Joe Kang) writes: |> Why was a separate kingdom, the Protista Kingdom created? in recognition that not all creatures, especially not all unicellular creatures, could be slotted into the Linnaean plant and animal kingdoms, nor into the bacteria. this separation of protists into a kingdom (Protista, Protoctista, other names) was first done in the 1860s(!) in Europe, and resurrected in the middle years of this century, especially after 1970. Whittaker RH. 1969. New concepts of kingdoms of organisms. Science 163: 150. |> What are some of the unique characteristics of a Protista and how do they fit in the |> world today? As Paddy Patterson has already indicated, there are no unique characteristics. Any eukaryote that does not have the multicellularity and embryonic development of a green land plant (metaphyte) or a "true" animal (metazoon), nor the mycelial development of a "true" fungus (zygomycete, ascomycete, basidiomycete, deuteromycete) may be considered "a protist". buried among the protists are true phylogenetic lineages. when these lineages can be reliably traced, "Kingdom Protista" will vanish, replaced by kingdoms that include the ancestors and all the descendants of major eukaryotic lineages. (Plantae, Animalia and Fungi may disappear too, or at least be subordinated into subkingdoms within a single clade that represents only a portion of the total phylogenetic diversity of eukaryotes.) Margulis L, Corliss JO, Melkonian M, Chapman DJ. 1990. Handbook of Protoctista. Jones and Bartlett, Boston. Take all phylogenetic proposals in this book with tons of sodium chloride, they are the subject of fierce debate. |> --John Charley O'Kelly Complex problems have simple, easy-to-understand Mad Protistologist wrong answers okellyc at bch.umontreal.ca


text:
Bluebird Care continues its expansion in Ireland with the opening of its 9th office in Letterkenny, Donegal. Bluebird Care will offer home care and live-in care packages to customers in both the Donegal and Leitrim areas. Bluebird Care Donegal & Leitrim will be managed by Martin Kelly....Read more
Bluebird Care – Staff Modular Training
Staff development at Bluebird Care is taken very seriously. Our goal is that our Care Staff are the best trained in the industry so that they deliver the highest quality care to our customers. Bluebird Care are to embark on a series of training modules for our Care Staff in 2010....Read more
Healthcare Assistant Infographic – Sources
Healthcare Assistant Infographic - Sources Monster.com - Top 10 Qualities of a Great Healthcare Professional Senior Housing Forum 5 Qualities to Look for in a Caregiver Caring.com - 10 Best Caregiver Traits in Senior Living Hubpages - 10 Personal Qualities Required of an Aged Care Worker The Guardian Newspaper - Are you a...Read more


text:
A. To perform a soft reset on 3600, 3700, and 3800 series iPAQs, use the stylus tip to push the recessed button in the hole on the bottom right of the device. Be careful: If you press the recessed button for more than 3 seconds on the 3600 and 3700 series iPAQs, you'll perform a hard reset. You can also perform a hard reset on 3600 and 3700 series iPAQs by throwing the switch behind the door on the bottom left of the device. To perform a hard reset on a 3800 series iPAQ, you must tap the Calendar-Itask and the soft reset button at the same time.
A soft reset clears unused memory but keeps all software intact. In addition, some minor features will revert to their factory default settings (e.g., sidelight, input method) but you won't lose any user-entered information (e.g., contacts, installed programs). A hard reset causes the iPAQ to lose all user-entered information and revert to its original factory configuration.


text:
Diddy is the Pope, Cassie is Wonder Woman
Sean "Diddy" Combs dresses up as the Pope and lays his holy hands on singer Cassandra "Cassie" Ventura (as Wonder Woman) at his Halloween party at New York City's Lucky Strike Lanes.
Diddy, 39 tomorrow, and Cassie, 22, have never publicly come forward about being romantically involved.
Cassie even told People on July 9: "We are not together, but we are definitely friends. We work hard together, so it makes a good combo."
Diddy signed Cassie to his label Bad Boy Records, which released her debut album Cassie in 2006.
DO YOU THINK Diddy and Cassie are a couple???


text: I have been a planner for the past five years and am feeling somewhat discouraged and cynical. I was a planner in Florida and have recently relocated to Georgia for a job. While I found the planning environment in Florida challenging, in Georgia it seems completely pointless. Long range planning is encouraged but not required and even if a local government has a comprehensive plan they are under no obligation to use it. I am currently writing a comprehensive plan partial update for a local government that sees it only as a marketing tool to attract development, and while they have had a comprehensive plan for ten years, I cannot see where they have implemented a single policy. This community is a strip commerical wasteland, and so ugly it hurts my eyes. How can a planner detach themselves from the outcome of a project and still create a quality product? If I want to get out of planning what profession should I consider?


text:
"Just" an Intern…
How many of us have heard those words? He or she is "just an intern." Now, my own situation is a bit different, but it's still a similar attitude. Since I'm "just an intern," people didn't think I was capable of certain work at first… they learned. Since I'm "just an intern" that doesn't get paid it was assumed I wouldn't be as motivated… they learned. Since I'm "just an intern" I can't have transportation to Ivory Coast for my flight… I learned! 🙂
We all have things to learn… many organizations which "employ" (using that term loosely here) interns need to make their other employees aware that the word intern is not a dirty word, it doesn't mean we are less capable human beings, and most of all it doesn't give people the right to treat us as gophers and errand boys!
In conversations with my fellow interns this summer I have often heard statements such as: "If I'm so incompetent, then why did they hire me?" "How can I edit parts of a report that I'm not allowed to see?" "How can someone else take credit for my work?" "Why don't they give me anything substantial to do?" "Why do they treat me like an idiot who is only good for getting their coffee?" "How is it that I'm supposed to GAIN experience again?" AND "Can anyone explain to me why I'm working for free, in fact paying AU, AND being treated poorly?!"
However, as interns we must also learn to be humble. After all even if we are capable people, with education, many of us do not have the experience of our coworkers and for that we too must put in our time. However fair or unfair it seems… I, because I'm an expat but "only" an intern, do not get a car to take me to the Ivory Coast (where my flight leaves from) next week. So, the less recommended and by far less convenient route of commercial transportation, is the route I will be taking… for good or bad… because I'm "just" an intern!
I have chosen to be humble and accept my "fate" as a "lowly" intern for the time being and what that means working for DRC here in West Africa. Assuming every one of my predecessors (ok, not here, but in a more typical situation) has been here and has climbed out of it to be something more than "just" an intern… I too will one day graduate and move beyond the place in which I, and many of my classmates, find ourselves.


text:
ANCHORAGE (AP) Kuskokwim Native leader Nick Mellick Jr. has died at the age of 71.
Mellick, who died last week of an apparent heart attack, was a bush pilot, lodge owner, fishing guide, fur trader, businessman and historian on the middle Kuskokwim River.
He was born and raised in Sleetmute. Known by the nickname ''Nixe,'' Mellick was a natural leader and a hard worker who excelled at everything he tried, say those who knew him. He was not afraid to speak his mind even if it made him unpopular, said brother Pete Mellick, the tribal administrator in Sleetmute.
Mellick was at one time chairman of the Kuskokwim Corp. and also a board member of the Native corporation. He was perhaps best known in the region as an air taxi pilot who started his own flying service and flew for 50 years.
Mellick was keenly interested in Alaska's Native history and in the stories of the elders. He wrote and taped many hours of oral histories and sent copies of his work to the University of Alaska archives.
''He was quite a character, very smart and concerned about the corporation,'' said Tiny Fredericks, a current corporation board member and Mellick's brother-in-law. ''He also didn't mind screaming at you at any time, which he did quite a few times during our annual shareholders meeting.''
Mellick studied business at Bowling Green University in Ohio and also was an avid reader and wine connoisseur.
Pete Mellick said he was a conservationist as well as a skilled businessman. He purposely entertained just a few clients annually at his lodge because he was concerned about protecting the land and subsistence resources, he told the Fairbanks Daily News-Miner. He was concerned about the future of wildlife management in the state and the loss of Native traditions, he said.
Mellick's father was a Yugoslavian immigrant and a trader in Sleetmute. His mother came from the upper Holitna area. He is survived by his wife, Margie, four children and eight grandchildren.
Mellick was buried Sunday.
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text: On Wed, 24 Nov 1999 13:03:41 GMT, jkcarson at netspace.net.au wrote: We achieved pretty good results with adding casein to the GuSCN containing buffer. The casein we used was Sigma, it appears that you cannot use just any kind of casein. The method was described in the march 1999 issue of the J of Clin Microbiology. Mail me if you need to know more details. Hans >We have been using the guanidinium thiocyanate - diatom method for >extracting bacterial DNA and has been working well. The extracted DNA >is used for a 16S rRNA amplification. Our PCR reaction volume is 20ul >and we use a 1ul template volume. We have modified the PCR format so >that we can use 9ul of template in the 20ul PCR format - a strategy to >increase sensitivity. We validated the modification using DNA purified >by phenol-chloroform. >If we use a 9ul volume of template DNA prepared using the guanidinium >method we do not get any PCR product but if we use a 1ul volume as >template the PCR works. We have concluded that an inhibitor is >co-extracting. BSA does not neutralise the effect. >Does anyone have any suggestions on how to neutralise the PCR >inhibitor? Has anyone tried GeneReleaser for post-extraction cleanup >or used alpha-casein to neutralise PCR inhibitors. For various reasons >we are locked in to the guanidinium-diatom method of DNA extraction. >Thanks >Jeremy Carson >Dept Primary Industry >Tasmania, Australia >jeremy.carson at dpiwe.tas.gov.au


text:
Old Navy Canada: $1 Flip Flops In Stores or $2 Flip Flops Online
Finally, summer has arrived. With summer comes pedicures, flip flops.. and beaches. Flip flops seem to be a necessity during these hot months, and that is why we love that Old Navy Canada has their Flip Flop sale where these cute shoes are just $1 per pair when you shop in stores. Shopping online you will notice that they are $2 per pair, which isn't bad either.
There are two ways to go about this Old Navy Canada Flip-Flop promo. You can either shop at your local store and get the flip flops for just $1 per pair, or shop online and pay $2 per pair. Either way, you are limited to 10 pairs of flip flops per person. Obviously shopping in stores is the better of the two options, for one the flip-flops in stores are half the price and for two you won't have to worry about shipping fees or minimum spends for free shipping. The first 50 customers at each location will even get a free pair of flip-flops, which is pretty cool.
The selection is the same online and in stores. This promotion is valid on the solid, traditional Old Navy flip flops only. So unfortunately you can't expect to snag leather or printed flip-flops for just a buck. Even so, the solid flip flops were normally $4.94 a pair so you are saving a substantial amount by grabbing flip flops from Old Navy Canada today.
You can browse online to get an idea of which flip flops you would like to purchase. If your local store doesn't have the ones you prefer in your size, you can always snag them online. At least you can see what is in stock online with just a click of your mouse. I really like the teal/turquoise solid flip-flops that are included in this promotion. That really seems to be the popular colour this year and is far more appealing than the standard black or brown flip-flops, although black flip flops would match every outfit. There are oodles of colours available, so you can get 10 different colours if you really like.
If you do decide to purchase your flip-flops online, keep in mind that you will need to spend $50 or more to get free shipping. That is 25 pairs of flip flops! I am sure you can browse around and find other items on sale that you would like though. Otherwise shipping is $8. If you drive a big truck like I do, then shipping may cost you less than gas to get to your local Old Navy store.
(Expiry: 4th July 2015)


text:
To gain insight on how consumers are evolving their market interests, Accenture surveyed over 4,000 consumers in the United States and Canada as part of a multi-year research initiative tracking consumer banking attitudes and behaviors. This report highlights the findings from the 2016 Accenture North America Consumer Digital Banking Survey, and suggests ways that mortgage lenders can improve relationships with current customers, as well as explore opportunities to differentiate themselves in the market.
Contact Us
Sign In


text:
Getting buy to let insurance doesn't have to be a chore. Simple click the red button below to get your quotes now!
- All types of properties accepted
- Building and contents insurance
- Expert advice
- Flexible payment methods
- Instant cover
Buy to Let Insurance
Owning property is something that comes with a lot of responsibility. You have to ensure that the properties you let out are both safe to live in and are properly protected. The way to protect your property is by getting a good buy to let insurance policy from a reputable insurance provider. Before taking out a buy to let insurance policy it's a good idea to familiarize yourself with the different insurance options that are available so you can make an informed decision.
Below you'll find a full explanation of the different types of insurance you can get with a buy to let policy as well as ways that you can save money on your insurance.
Insurance Options
- Contents Cover – If you let your property either fully or partly furnished then getting your contents covered is always a good idea. This will cover you if your contents are damaged or stolen, whether by a tenant or someone else. A lot of landlords like to offer their properties furnished in an attempt to attract tenants so if you do this yourself then contents cover is always something you should strongly consider.
- Building Insurance – This will cover your properties in the event of structural damage. Structural damage can be extremely expensive to repair so building insurance is an absolute necessity. If you own property then it's also a legal requirement that you have building insurance in place.
- Unoccupied Property Insurance –There are times when every landlord has unoccupied property in their portfolio. Unoccupied property is at considerably greater risk of being broken into or vandalized. When you own unoccupied property then you can get unoccupied property insurance to protect yourself against these risks.
- Loss of Rent – There are times when you may have to deal with difficult tenants who are unable or unwilling to pay rent. In this event you could be losing a significant amount of money. Loss of rent will compensate you until you're able to resolve the issue with your tenant. This is extremely useful and takes away some of the stress of dealing with difficult tenants that do not pay.
- Liability Claims – Liability claims can be very costly if they go against you so it's always a good idea to get public liability insurance included in your policy. A liability claim is something that you can't predict and even if you are very selective with your tenants, you don't want to take the chance of having a liability claim go against you without any cover in place.
- Legal Fees – If you do have to fight a liability claim then the legal fees can soon add up. Having this option included in your policy just gives you that extra peace of mind that should you need to hire a solicitor to fight your corner, the expenses will be taken care of as part of your insurance.
The Benefits of Buy to Let Insurance
Some of the benefits of getting buy to let insurance include –
- Easy to manage policy – When you take out a buy to let policy you can have multiple properties included and have all the insurance options added that you need. This makes things very easy to manage and cuts down on your paperwork – ideal for busy landlords.
- All properties covered – You can get different types of properties covered included semi-detached, detached and terraced houses as well as flats. You can also insure multiple types of properties under one policy.
- Highly tailored policies – A big advantage of getting insurance online from a specialist provider is that you can very easily add options to your policy to make it as tailored as possible.
- Expert advice – You might want to speak to an adviser to find out more information about a particular type of cover or find out which cover is best for you. This is certainly possible as there's always someone available to talk to.
- Flexible payment options – You're able to pay using any UK credit or debit card and policies are extremely easy to set up.
- Instant cover – As soon as you pay for your policy, your property will be covered and you'll be provided with the correct documentation.
Ways to Save Money
When you're looking to take out a buy to let insurance policy, you'll certainly want to get the best price possible. Below are some excellent ways that you can keep the cost of your policy as low as possible.
- Pay annually – When most people pay for insurance, they do it on a monthly basis. This makes sense as it makes things more manageable financially. Whilst paying monthly is the norm, the truth is that you can save a significant amount of money if you're able to pay for your policy on an annual basis. Insurance providers usually much prefer this and as a result, you'll usually be able to save a very decent amount of money on your insurance.
- Make your properties secure – The security of your property is a big factor that insurance providers will take into account when coming up with a price for your policy. If you property is not particularly secure then it puts it at much greater risk of being broken into and vandalized. Excellent ways to make your property more secure are having good quality locks fitted as well as alarms and CCTV. If you have unoccupied property then you should try to find a house sitter to make it more secure.
- Get multiple quotes – Getting multiple quotes is one of the best ways to save money on buy to let insurance. It will enable you get compare policies very easily and pick the one that's right for you.
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Costumeish.com is selling this "Parisian Heist Robbery Victim Costume Kit" for just $69.99.
Although the "costume kit" doesn't call Kim Kardashian West by name, the costume description includes very pointed references to her robbery and assault in Paris last weekend.
The description specifically says:
"This Halloween it's all about the #Hallomeme and who better than America's goddess of all things glamorous "Parisian Heist Robbery Victim Costume?" She has devoted her life to promoting American decadence, youth, and hedonism but all that flashy living caught up with her one night in Paris when armed men bound her, stole her jewelry and her peace of mind. This Halloween have some fun with pop culture and dress just like the Queen of Social media with our sensational "Parisian Heist Robbery Victim Costume" Costume.
White Short Sexy Robe
Long Black Wig
"$4 Million Dollar" Ring*
Large Sunglasses
Fake Gag
2' of Rope
*Costume ring is made of plastic and not worth $4 million dollars. "
Super tasteful right?
The 'reviews' section of this costume are blowing up. There are twenty-three pages of reviews, both supporting and slamming the costume...but mostly slamming.
According to BuzzFeed, Costumeish Vice President Johnathon Weeks said he's "sad" people are offended by the costume, but in the end its not really that big of a deal.
"I'm sad that people are offended by it, but it is Halloween: It's one day out of the year. Halloween should be a light-hearted, spirited party and people should be able to laugh at it and think it's funny. We haven't sold any yet, if that matters," said Weeks. "If people find it tasteless or they are offended by it, it's Halloween. Maybe you should just shut your life out and not go outside."
People on Twitter are PISSED.
Source: twitter.com / Via: twitter.com
Source: twitter.com / Via: twitter.com
Khloe Kardashian on Ellen this morning.
Source: ellendegeneres.com
Today also happened to be the day that the Kardashians broke their silence on the Paris incident. Kim's sister Khloe Kardashian appeared on The Ellen Degeneres Show this morning, and spoke openly about the robbery. Khloe said that Kim is "not doing that well" after her traumatic experience. Great timing, Costumeish!
The Kardashians have not yet publicly commented on the "Parisian Robbery Victim" costume.
What do you think? Is this blatantly disrespectful to assault victims? Let us know in the comments below or @WhatsTrending on Twitter.


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At the beginning of this year the road in front of the ABT HQ in Kempten was named after the late tuning pioneer Johann Abt (1935-2003). The father of today's CEO Hans-Jürgen Abt had founded ABT Tuning in 1967 and thereby launched what is now the globally largest tuner of cars produced by the Volkswagen Group, which includes Audi, Skoda and Seat. But the Abt family has been dealing with cars, motorsports and technology much longer. Again it was a Johann Abt who laid the foundation stone. 119 years ago he founded a very innovative forge, which became associated with the four brands now symbolised by the four rings of the Audi logo shortly after WWI. And with Volkswagen ABT has had many decades of experience too. No wonder, then, that today almost all the group's models are covered.
Put more generally, the Bavarian company always provides innovative solutions for quite a number of cars produced by the Volkswagen Group. All the cars and components are always state-of-the-art and embody a successful family-owned company's traditional values. Extensive tests, its own dynamometer, comprehensive warranties and supreme QA processes make for a relationship with customers based on trust. And, of course, five decades of motorsport experience are also part of the development process. After all, over the past decade, ABT has won five DTM championships, among other things.
ABT Sportsline stands for innovative engineering, an extravagant design and some extra dynamism and sportiness. If you use ABT POWER New Generation, ABT POWER or ABT POWER S – every tuned engine is thoroughly tested, as are the sport-type brake systems, suspension components, alloy wheels, exhaust systems and body kits. In all developments, roadworthiness and safety top the specs. That is why for the development of front attachment parts ABT Sportsline uses the pedestrian impact protection test. And the market leader's premium products and services are not only available in Kempten but all over Germany, from about 200 partners of the same service and support competence and quality. Incidentally, ABT Sportsline also has a global presence. Be it in Arabia or Britain, the US or Switzerland, in Russia, China, Scandinavia, Italy, Turkey or the Benelux Countries – customers can always be sure that they will get tested ABT quality. "That's what the name ABT has always guaranteed," says CEO Hans-Jürgen Abt.


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Mike Woodson and Iman Shumpert appear to have some disagreementsPosted by Inside Hoops
Nov 16
Players often have heated disagreements with other players or their coaching staff. It doesn't necessarily indicate that something bad is up. Sports are competitive, and in the heat of the moment, players/coaches can disagree about certain things, but it doesn't necessarily mean that something particularly bad is brewing. But when trade rumors are brewing, it does make you wonder what's up. With that said, here's the New York Post:
Coach Mike Woodson and Iman Shumpert barked at each other on the Garden court Thursday during the Knicks 109-106 loss to Houston at the Garden.
After the exchange, Shumpert walked away from the coach with noticeable disgust and sat on the bench. If their suspect relationship is improving, it wasn't apparent during the back-and-forth.
Shumpert is on the trading block, and Woodson hasn't exactly eased the combo guard's nerves — even after their meeting when the Knicks played in Atlanta on Wednesday. The Knicks face the Hawks again on Saturday at the Garden.


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Helena Asti had been waiting 18 months for someone to sponsor her.
"My friends have all received their sponsors so my heart feels sad because I don't yet have a sponsor of my own."
Watch Helena's powerful reaction as she finds out a sponsor has chosen her.
Hundreds of children are waiting for a sponsor. You can end their wait. You can give them hope and a future. You can fulfill dreams. Sponsor a child today and end someone's wait.
Have questions about child sponsorship through Compassion. Ask me, or go to Compassion.com.


text:
Durable goods orders' stunning 13.2% dive in August was largely due to the volatile transportation sector, but Thursday's report revealed a broad decline in business demand and investment as "fiscal cliff" concerns mount.
Aerospace giant Boeing (BA) hit a temporary lull in orders, wiping out commercial aircraft demand last month. Autos fell 10.9%, the Commerce Department said.
But even excluding transportation, orders fell 1.6%, the sixth retreat in eight months. The dollar value was the lowest since April 2011.
U.S. stock indexes rallied sharply anyway on hopes that China will announce more stimulus and that Spain's new budget will lead to a crisis-easing sovereign bailout. Spain-related fears had hit equities in the prior two days.
Steep tax hikes and spending curbs are set to kick in at year-end, if lawmakers fail to reach a deal moderating them, making companies reluctant to invest until the uncertainty is lifted.
The fiscal cliff contributed to confidence among major CEOs tumbling to a three-year low. Defense contractors like Lockheed Martin (LMT) have warned of thousands of layoffs, if additional Pentagon cuts go into effect.
Last month, defense capital goods orders plunged 40.1%, after declining by nearly 15% in July. They are now at the lowest level since December.
A sluggish global economy and European debt crisis fears have also been head winds on U.S. firms, which pulled back on a wide array of durable goods last month.
Orders were down 4.7% for machinery, 3.4% for computers and electronics, and 1.7% for primary metals. Unfilled orders, an indicator of future demand, fell 1.7%.
"Uncertainty is high," said Michael Hanson, senior U.S. economist at Bank of America Merrill Lynch. "There's a number of factors, the fiscal cliff being one of them.
On the positive side, orders for electrical equipment rose 3.8%. Core capital goods orders, which exclude aircraft and defense, grew 1.1%. But that's a meager rebound from July's 17-month low.
Durable-goods data for September could see an improvement, if firms reacted positively to the Federal Reserve's new monetary stimulus. A bond-buying plan the European Central Bank unveiled also calmed investors for most of this month.
Despite bleak orders books and gloomy CEO sentiment, the number of initial jobless claims fell by 26,000 to a two-month low of 359,000. The four-week average dropped by 4,500 to 374,000.
But that may reflect more on layoffs hitting record lows than a hiring pick-up. Payroll gains have been anemic. Three straight months of sub-100,000 job gains are another sign of corporate caution.
Q2 economic growth was revised to an annualized rate of 1.3% from the prior estimate of 1.7%, the Commerce Department said. GDP grew at a 2% pace in Q1 and 4.1% in Q4 2011.
The revision signals that the economy went into the second half of the year with little momentum, said Hanson, who sees GDP growth remaining at 1.3% in Q3.
"It doesn't feel like the fundamentals are particularly strong," he said.


text:
News, views, food, books and other writings, with the assist of character dolls. My art blog, dealing with fine art, exhibits and works in progress, is http://beautifulmetaphor.blogspot.com. Please note that all pictures and text are copyright to Liz Adams, and may not be used in any form without explicit permission. Thank you for respecting my ownership.
Saturday, June 21, 2014
Summer Solstice on the patio
It's full of links and memories this year, couple of plants, the Norfolk Island Pine and the ivy rescued from Karen's house. Then there are other plants from another neighbor with a plea to give them intensive care.
The sansevieria is in fact the property of the former wife of a friend, who heard about my patio and shipped her plant several hours south via friend's truck, to go to camp here and recover from what looks like severe deprivation.
The herbs are in part from my farmshare, and the gaillardia is growing in the ground, in front of some other yellow flower whose name escapes me. The pink caladium is in a pot, property of a friend.
Even gardening can get people intensive. Funny how that happens.
5 comments:
- mittens said...
my kinda porch, liz. all that greenery, and all those friends contributing to it, one way or another.
Mine is a bit the same: siberian iris from a neighbor, solomon's seal and a lovely peony from friends of my mother in law; the trumpet vine was my fault, mea culpa.
And my good friend Lea, who died two weeks ago, who gifted me with four lovely rosebushes years ago, and was always so pleased when I told her how well they were doing.
Gardens aren't just about flowers, are they, it's about the people who contribute.
- June 21, 2014 at 3:36 PM
- Boud said...
Too true. So sorry about your loss, Judy. You'll remember her through her roses, I think.
The other part of gardening is the future gifts: just this morning a neighbor wandered by, admired the Boston ferns, and was so happy when I offered to divide them and give him one, all potted up, in the fall.
And another friend plans to stop by and dig bicolored iris in September and give me blue iris from his garden. I like this exchange going on and on.
- June 21, 2014 at 4:22 PM
- Magpie's Mumblings said...
My kind of garden! When we moved into our last house the flower beds were horribly neglected so we put out a call to all our friends to think kindly of use when they were dividing their plants. We often came home to bags and boxes of plants left sitting beside our door and many times didn't have a clue where they came from. We ended up with beautiful gardens - at minimal cost.
- June 21, 2014 at 6:51 PM
- Ash said...
Lovely patio and Happy Solstice. Gardening does bring people together. There is a lot of simple pleasure in the green.
- June 22, 2014 at 10:12 PM
- Minimiss said...
I love looking at your summer photos when we are in the depths of winter. They really brighten my day.
- June 25, 2014 at 3:46 AM


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To be sick of trying to lose weight and wonder if I should just accept myself as I am?(85 Posts)
I'm 5ft 7in, weigh 13st 12lb and I'm a size 16 (14 in a lot of trousers/jeans etc but big busted!). I'm not enormous by any standards. I feel like I've been on a diet of some description for most of my adult life, and I really, really struggle to lose weight. I have an under active thyroid, which, although I'm on drugs for, seems to slow my metabolism down, and I have to eat very carefully to drop a few pounds. I've lost just over a stone and a half with SW since May, but have now hit a standstill. I calorie track as well using MFP and I'm genuinely not overheating yet I'm struggling to drop anymore, and I hate the thought that if I manage to lose more, I'll have to "diet" for the rest of my life to maintain it.
Today, so far, I have eaten:
Banana and yoghurt for breakfast
Cup of tea
Small brown roll with boiled egg, lettuce, tomato, cucumber and onion for lunch followed by some grapes and an apple
In the slow cooker, I have some soup - 2 rashers of bacon chopped up, onions, carrots, lentils, garlic, leeks, celery and tinned tomatoes. I will eat some of this for tea with some naan bread croutons and have made a sugar free jelly with raspberries which I will have with some raspberry sorbet.
I'll perhaps have another banana, or maybe 2 weetabix and raisins at about 8pm if I'm peckish.
This is a fairly typical day and I don't think it's that bad? I eat chocolate probably 3 times a week, but tend to buy a little Freddo or a small Milky Bar, and have a couple of glasses of wine on a weekend. We have pasta 2 or 3 times a week, plenty of fruit and veg and I eat very little bread (never white as it bloats me).
I'm about ready to give up and just accept that I'll be fat forever! So frustrated!
Op please don't beat yourself up this sort of thing happens when losing weight and even if it didn't you have done really well.
The one thing I do wonder if if you should focus less on the food worrying and more on exercising instead. My friend has almost no thyroid auction and struggled for years too. At one point all she drank was shakes and took in barely any calories. In the end our mutual friend- a personal trainer- offered her free help and got her eexercising for half hour a day. Some funky programme that is 5 mins strength then 5 cardio then 5 abs. He also got her swimming too. She went from a size 26 to a 16- it took over a tear but she is now happy and just eats healthily and swims a lot. She can outswit anyone I know!
Jasmine and green teas help with bloating as can peppermint oil capsules or tea.
Just please don't be so hard on yourself- to do what you are doing now is amazing as if is
YY. Life is far too short to diet.
Do you want to lose weight because of your health or your appearance? Or is it a combination of both? Forget your clothing size and BMI and think about how you feel if you run up the stairs or walk a mile to the shops. You can be a couple of stone overweight quite comfortably without any risk to your health provided your diet is good and you are taking regular exercise. Beyond that, it's just cosmetic.
What you're eating sounds fine, although there is maybe too much sugar in it (it doesn't matter that it's the type of sugar naturally found in fruit). It encourages the body to store fat. Also, what are your portion sizes like? I know quite a few people who have an excellent diet but they are overweight simply because they eat a lot of it.
It may also be worth a trip back to the Doctor as you may find that your thyroid medication needs upping. You could also investigate food intolerances (as opposed to allergies).
Good luck and I'm sure you look fine.
What about exercise? I found with me, weightloss happened a lot quicker when I was exercising regularly. I feel for you though, I am 5ft 9 and a size 10 but it's taken me years to lose the weight to get here. I have relaxed my eating and exercising regime and have managed to put a stone back on. It's so depressing as all I have to do is look at something fattening and I put on a pound. I hate feeling like I constantly have to watch what I eat! Xx
And tbd I don't think you ate fat anyway but I know how it is when.you feel that way. I'm a size 12 and when I gain more or bloat I feel very fat. Especially when bloating.
I want a milky bar now too
It's more appearance than anything; I'm pretty fit. I walk about 2-3 miles a day with the dog, do a circuit training class once a week and ride when I get the chance (just been potentially offered a horse share so this may improve ). At the minute, however, I'm laid up with a slipped disc and I'm feeling sorry for myself! I just want to look better in clothes, but, on the other hand, I'm not sure that I'd ever be happy with how I look, regardless of my weight, so maybe I ought to just accept it and work with what I've got!
JBJ what you say is very true. I will fully hold my hands up and say that, when I was bigger, I kept saying to myself "if I can get to a 10 I'll be happy". Well, I ended up getting to an 8 - now I'm back to a 10. Am I happy? Nope, I'm still moaning! I just want to slap myself sometimes.
I look in the mirror and see a huge, grotesque woman staring back at me. To me, I look no different to how I did at 15 1/2 stone yet I know I've shrunk, I just can't see it. That's what makes me think even at. Size 12 or 10 I would still see that same person, and maybe it's that issue I need to work on as oppose to being hung up on what the scales say! I have so many friends who are a similar size/weight to me, who are happy, attractive and confident, yet I just don't feel like that.
Absolutely you should accept and love yourself the way you are. Do you have people in your life who love you and tell you they do?
I've lost weight to get to my current size- 5'8, about 14.5 stone and a size 16. In an ideal world I'd be 3 stone lighter and a size 12 but fuck it, I look hot in the right clothes, I have a man who fancies the arse off me, and tbh life is just too damn short to be miserable.
I think if yiu have a slipped disc you need to be taking it easy and not worrying so.much about it- sounds very painful.
Most people find something they really don't like about themselves and then we worry and stress over it too much. As you say even if that thing goes away you may just find something else.
That's the exact attitude I'd like to have!
No, I don't really have people who tell me they love me! I have a very small family, small group of friends and I seem to scare men off lol I was in a rather destructive relationship for a few years off and on, with a man who constantly told me I needed to lose weight, would pinch an inch and laugh, and was critical of everything. Stupidly, it took me way too long to get rid of him and the effects have long lingered.
I must admit, when I got to an 8, I was finally happy with myself. It is very hard to maintain though! Now I've put on a stone I feel like I did when I was 6 stone heavier, which I know is ridiculous.
The human mind is a strange thing!
You've done a great job with your weightloss so far, some people just take longer to lose than others. Maybe try switching it up with another diet? Get the motivation back on track. The good thing is, slower weight loss means you're much less likely to put it all back on. Also, it takes time for your mind to adjust to what you're actually seeing in the mirror, especially if you've been bigger for a long time.
It takes a while for your head to catch up with your weightloss - when I lost weight it took a couple of years for me to stop seeing the bigger me in the mirror.
I think you need to give yourself a break. Dieting can become all consuming and it sucks the joy out of food and, frankly, life. Take a couple of weeks off and spend them doing things you enjoy then reassess. Remember what your body can do and celebrate it for that rather than what you look like.
If you want diet advice, which it assume you may after posting your food intake - cut carbs. I had a plateau I couldn't get through for years and am now comfortably ten lbs below that because I cut back on my carb intake. Sometimes it helps to just mix it up a bit.
And chuck out your scales - go by measurements or how your clothes fit. Weight is so variable and so obsession-making it really isn't helpful.
The only thing I will say is portion control. IME, it is not what people eat but how much they eat that is the problem. I eat what I want & I am thin. I always assumed I was lucky, until a friend pointed out that I don't actually eat that much - apparently I eat small portions, but they fill me up.
They only time I got tubby was when I was breastfeeding - I have never been so hungry in my life. My diet didn't change but the volume of food did. Cut down on how much you eat and you'll lose weight.
I say stop focusing on numbers. I've been overweight (more so than you, I think) ever since I hit puberty to some extent. I have lost significant amounts of weight three times and each time have put it back on plus a little more. About five years ago I made a conscious decision to like myself as I was, stop fretting about blokes who didn't fancy overweight women since it was fairly obvious I was always going to be one, and not get hung up on chasing numbers.
I've now accepted that I will probably always be overweight to some extent. I love food - cooking and eating it - and the thought of spending the rest of my life counting calories or Points or "Syns" (bleargh) makes me want to shoot myself. (Not that I can manage it anyway, because whenever my weight has started to go up it's been because I was absolutely starving).
I'm now practising HAES (health at every size), which is about mindful eating (in broad terms, eating what you want when you're hungry, eating slowly, and stopping when you're full) and getting moving for fun rather than chasing numbers. If you google HAES and mindful eating, there are some very good sites out there. Also, Paul McKenna's I Can Make You Thin book and CD are actually all about mindful eating rather than about conforming to some sort of objective standard of fashion industry thinness. They are very good.
In short, I would say don't spoil your life with dieting - which is not the same as saying "don't try to be healthy".
This could be me, though I am three stone heavier! I have an under active thyroid too and find even when the levels seem fine I do not lose weight.
The only thing that has worked for me was eating very low carb. But this created quite a bad binge / diet cycle - I tended to regain.
Also I would recommend exercise as a way to feel good about yourself and possibly a sport too - gives you a new perspective on your body. Sounds like you do exercise already and have a slipped disc, but wanted to say anyway.
We all know that we should just accept ourselves as we are, but not everybody does. Anyway, being slim is healthier than being overweight and is better for you as you get older (no idea how old you are, OP. I expect quite young).
Looking at what you eat, I would try to cut out carbs for a month. Eat everything else you normally eat on your diet, but no bread, pasta, potatoes, rice. I think you will be amazed at how much weight falls off just doing that.
... and get yourself a Diet Plate to address portion control.
Without a doubt you should accept yourself as you are.
I was a size 8 throughout my 20s and early 30s but I had to half starve myself and do more than 2 hours exercise a day to stay that way, some days lots more. I wasn't happy.
Now I'm in my 40s and a size 12, I'm probably a bit overweight but I don't weigh myself. I eat what I like but still do about an hour exercise every day. I am happy.
There is nothing that would make me want to go back to my old self. Life is about enjoyment, not about being a certain size.
Debka.... Love your attitude to life send me some now!!!
I could have written this post word for word other than the thyroid part!
I have battled with my weight since my teens, I'm now approx 13 stone & a size 16... Feel like I should stop letting my weight/dress size make me so miserable.... Is it my size stopping me find a bf or is it my low self esteem?!
I'm 35 so not mega-young I'm hoping that once I'm mobile again and able to view this horse, then I might be able to lose some just through exercise. I've tried cutting out carbs before and it's honestly my idea of hell! Really, really struggle, feel hungry and crave them lol
Ooh I like the look of that diet plate... Wonder how high I could pile it...?
As s
I really love the posts on this thread. So supportive and humourous. I have been trying to lose weight for the last few months. I lost 7lbs just by eating really healthily and cutting out the crap (which for me meant biscuits and sweets).
Now I have stopped losing weight and do feel, since I've put on nearly 2 stone over the past few years from stuffing myself, that I need to lose more. I'm just starting the 5:2 diet and am feeling as if I can cope with it because it is simple. My DP, who has 3 stone to lose, is doing really well on it. I understand exactly what you mean though. I AM happy with myself but I was concerned that when I literally "ate what I like" I was steadily gaining weight and as a very short person it didn't look or feel good. I also didn't want to end up being even larger and have an even harder job getting it off.
I do think these sort of part time diets are the way to go for me, where you are very careful some of the time and more relaxed at others. It seems to sit well with me emotionally ifyswim. I don't have to think of certain foods as a complete no go, I just have to think "not today" . We shall see!
Good luck though, I do sympathise and I do think that ultimately being happy with yourself is more important than losing weight.
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WASHINGTON, June 28 (Reuters) - Ford Motor Co. , General Motors Corp. and Chrysler Group plan to more than double annual production of vehicles capable of running on renewable fuels to two million cars and trucks by 2010, the automakers said on Wednesday. The pledge for more vehicles powered by fuels other than gasoline follows a meeting between the chief executives of the U.S.-based auto giants and congressional leaders last month on efforts to reduce U.S. dependence on foreign oil. The ...
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