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Hong Kong investors at a disadvantage when firms with assets in China go bankrupt
The 'one country, two systems' principle puts Hong Kong receivers at a disadvantage when dealing with assets held on the mainland
The HK$4.1 billion bankruptcy proceedings involving a mainland subsidiary of Hong Kong-listed decorative paper maker Qunxing Paper highlight the risks to investors of acquiring exposure to firms that have the bulk of their assets outside the city.
Liquidation professionals said it would be an uphill battle for Hong Kong receivers to fight for assets on the mainland. This is potentially a concern, as mainland firms account for half the market capitalisation of the Hong Kong stock exchange.
The proportion is likely to increase further with a wave of asset injections by Chinese state-owned enterprises following in the footsteps of Beijing conglomerate Citic Group, which said last week it would inject its entire business into Citic Pacific, its Hong Kong-listed subsidiary.
"This is worrying, since many mainland companies have their assets located in mainland China," said veteran liquidator Derek Lai, the Asia-Pacific leader of restructuring services at Deloitte Touche Tohmatsu, who has handled many bankruptcies of Hong Kong-listed mainland companies.
"If they go bankrupt, the 'one country, two systems' principle means Hong Kong receivers and liquidators cannot freely handle the assets on the mainland, [the disposition of which depends] on the decisions of mainland courts, which may be more favourable to mainland creditors and employees.
"This has made it hard to retrieve assets for offshore creditors and shareholders."
Lai said the results could vary: some mainland courts allowed him to recover between 40 per cent and 100 per cent of the mainland assets for Hong Kong creditors and shareholders, while in other cases, Hong Kong investors got nothing.
"The Hong Kong government should work with the central government to sign an agreement to allow Hong Kong-based liquidators or receivers to have a free hand on the mainland to handle the bankruptcies for these mainland firms listed in Hong Kong," he said.
"This will provide better protection for Hong Kong creditors and investors."
The Securities and Futures Commission said on Monday it had obtained a Hong Kong court order to appoint interim receivers to take over the management of Qunxing Paper after its major subsidiary, which holds most of the group's 3.27 billion yuan (HK$4.1 billion) of assets, secretly initiated bankruptcy proceedings on the mainland.
The court will hold a hearing on Friday to decide whether to extend the appointment of the receivers and to hear an application by Qunxing to remove an SFC injunction in December freezing HK$1.9 billion of Qunxing's assets for allegedly giving misleading information in its listing prospectus in 2007 and documents related to its warrants in 2011.
But even if the court rules in favour of the SFC, the firm's Hong Kong investors may not get back much.
The firm has only HK$150 million as deposits in Hong Kong that could be frozen under the injunction. Most of its assets are held on the mainland by the subsidiary that has now started bankruptcy proceedings in a mainland court.
Alan Tang Chung-wah, a partner and head of specialist advisory services in the Hong Kong office of mainland accounting firm ShineWing, said an offshore receiver faces a major uphill battle when seeking to have his or her office and authority formally recognised in a mainland court.
"This is because the concept of 'receivership' is alien to mainland law," Tang said. He said offshore insolvency practitioners should work with mainland legal and accounting professionals who know mainland bankruptcy law and practice well, as they would be in a better position to handle many issues on behalf of the Hong Kong creditors and shareholders as well as those from the mainland.
"Under the mainland Enterprise Bankruptcy Law, any reorganisation plan should cover all creditors and shareholders, regardless of location, while they all should have a say in whether the plan should be approved or not," Tang said.
He said even if a company had assets both in Hong Kong and on the mainland, they would need to be handled as a pool and not separately. This is based on a 1999 High Court ruling in the case of the liquidation of mainland firm Gitic. The court treated all creditors equally and refused to grant Hong Kong-based creditors a preferential right to take and sell Gitic's assets in the city.
Peter Bullock, a partner at Pinsent Masons in Hong Kong, said while Hong Kong bankruptcy proceedings are transparent for all banks and regulators, mainland bankruptcy procedures under the Enterprise Bankruptcy Law are more opaque.
"Even where such proceedings come to the attention of a Hong Kong regulator, those in Hong Kong are often powerless to intervene, as they have no preferred status in the mainland," Bullock said.
"This allows individual creditors, and perhaps even unscrupulous directors, to use the Chinese process to their advantage," he said.
"It is premature to state that the mainland courts will assist those behind the company to cut the public shareholders of the parent out of a share in the assets, but it is a fair assumption that the directors would prefer to have the Chinese courts determine the issues than a Hong Kong court-appointed receiver."


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Around six tracks into Swearin's sophomore LP, you might forget which band you're listening to. This isn't necessarily a bad thing. The Brooklyn four-piece manages to move through so many styles in their relatively brief 11-track album that any of the songs could be a one-off single from some unknown bar band, soon to be the next buzzy thing. With three of the four members (Allison Crutchfield, Kyle Gilbride and Keith Spencer) trading vocal responsibility throughout, what's coming next is any casual listener's guess. The album moves with a kind of subdued mania that makes nearly every new track feel like a sudden left turn.
The band also has a lot of obvious, if mangled, influences, predominantly from the '90s. Gilbride yalp-drawls like Robert Pollard and Black Francis holding hands. Watered Down has the band wearing Stephen Malkmus masks while stage mom Jeff Tweedy claps along on the sidelines. Album opener Dust In The Gold Sack will remind you how good P.S. Eliot was once Crutchfield delivers her diary-crush croon with confident certainty and tinny, lo-fi guitars. Mermaid is a grungy yoga pose that will surely stretch some kind of Northwestern muscle tendon inside you. And drummer Jeff Bolt is just as joyously slap-happy as ever.
But it's important that Swearin's '90s sonic cake walk is happening in 2K13. Because what they're really doing is pointing out what other bands in their aesthetic clubhouse are doing wrong. Last year, when everyone else was trying to see how close they could get to sounding like they were recording underwater without actually going underwater, Swearin's self-titled debut stood out as a tome of renegade basement-dweller anthems. And now they've peeked their heads out of the basement just as we've decided the '90s resurgence dream is over, and My So-Called Life will never see a second season. But it's not over, Swearin' whispers.
Frustratingly, the album's lowest point comes directly after one of its high points. Right after Crutchfield's standout dream-whisper Loretta's Flowers, Glare Of The Sun comes bounding in like an unpleasant pseudo-face slap. Like in recess, when someone mimed throwing a ball at your face and you knew they wouldn't actually do it, but you cringed and cowered anyway? That's Glare Of The Sun: a twitchy, hair-in-your-mouth buzz fest that never quite comes to a climax, complete with Spencer's dead-pan monotone throughout.
That's not to say that Surfing Strange isn't impressive as a whole. Curdled closes the album with the kind twanged-out, nervous closet-folk that made Swearin's debut so enjoyable. It's as if, by the end of the LP, they've finally worked out their existentialist identity crisis and gotten down to doing what they did best in the first place: making damn good garage-pop.

subset: commoncrawl


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An article about Steinbeis R-Tech project, FIRE-RESIST, published in Research EU Results Magazine May 2016 issue.
In the new Horizon 2000 project caLIBRATe of Steinbeis R-Tech will play a key role in the development of the next generation EU tools for risk governance of nanomaterials. The main objective of caLIBRAte is to funnel the state-of-the-art in Nano safety research and merge it with state-of-the-art risk governance and communication. It will provide versatile risk governance tools and the framework for assessment and management of human and environmental risks of micronano and micronano-enabled products.
The Steinbeis Advanced Risk Technologies RBI system implemented in Eskom, Lethabo Power Station, in South Africa, was successfully certified by TÜV Rheinland South Africa.
In connection that we obtained ISO 9001 certification, the re-certification audit on October 8-9, 2015, showed again that The Steinbeis Advanced Risk Technology Group duly improves the Quality Management System.
Steinbeis Advanced Risk Technologies Group was co-organizer of the 6th International Symposium on Industrial Engineering which took place on September 24-25, 2015 in Belgrade, Serbia.
On Sept. 16-19, 2015, Beijing Academy of Sciences, European Virtual Institute for Integrated Risk Management (EU-VRi) and Steinbeis Advanced Risk Technologies Group have organized the 5th China Europe Risk Forum. The Forum was devoted to: "Emerging risks and resilience of critical systems and infrastructures".
Prof. Jovanovic explains the Steinbeis vision and approach in his keynote at The World Congress of Risk in Singapore (July 19-23, 2015)
The project was initiated based on the Agreement on purchase and sale of NIS shares between Republic of Serbia and Gazprom Neft in accordance to which Gazprom Neft has the obligation related to the reconstruction and upgrade of NIS process facilities and to improvement of the environmental safety of production processes.
The tender as well as Technical assignment, was approved by the competent ministries of the Republic of Serbia (Ministry of Environment and Spatial Planning at the time). Steinbeis Advanced Risk Technologies GmbH and D'Appolonia S.p.A, both having experiences in similar projects in Serbia, as a consortium, have won the tender in a very strong competition (17 companies/consortiums have submitted their bids).
The project team, consisting of 20+ international and local experts for environment, health and safety issues, has started the work in July 2010 and successfully completed the project in four phases, in January 2011 when final reports were submitted. Reports were prepared in two languages (English and Serbian) for each of the 12 facilities which were the subject of ecological assessment. That makes 24 reports with about 2500 pages. The reports contain description of actual environmental status (soil, groundwater, waste water and air), evaluation of EHS management, as well as assessment of potential environmental risks and proposals for corrective measures.
The results of the study were presented at the press conference on March 17, 2011 in the Serbian Government's press room, Nemanjina 11 in Belgrade and praised as "one of the best and the most comprehensive studies, ever performed in Serbia".
Selected facilities have included 3 oil and gas production and refinement facilities, 2 fuel retail and 3 storage facilities, 4 service and logistics.
The project activities have started with a throughout analysis of existing data from previous studies and investigations of soil, air, groundwater and wastewater status, as well as data from regular monitoring conducted by NIS, data on the current HSE management system, information on waste productions and waste management in general. Review of the input data has included relevant EU regulation and Serbian laws and regulation in the respective fields as well.
The analysis of input data was supported with the intensive audits carried out at 12 locations and covering environment, health and safety issues. These audits have allowed determining general environmental status of the facilities, identifying evidences of contamination and reviewing the adequacy and efficiency of the EHS management systems implemented at different levels in the company.
Based on the results of the data analysis and the outcomes of the site audits, the plan for further site investigation (soil and ground water, about 70 borings) was prepared, agreed with NIS in relation to drilling methodology to be used, numbers and types of samples to be collected. Samples were collected and tested in accredited laboratories. The results of these testing together with results of other investigation activities conducted in relation to air pollution, waste water and waste management allowed identifying the status of considered media and potential risks. A number of corrective / mitigation actions, which have been considered by the project team as suitable and efficient for improvement the environmental conditions and the environmental management, were recommended for each facility.
Actions proposed by the project were reviewed and accepted first by the top management of NIS and Gazprom Neft , then by the Serbian competent authorities since they were considered as a base for preparation of action plans for NIS facilities involved.


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Digestive Disorders |
Irritable bowel syndrome02/26/2008 |
While I suffer occasional bouts of IBS, it mostly under control. However over the past 12 months, if I eat something very cold after the main meal, eg: ice cream for dessert, I experience diarrhea. In fact I need to go to the toilet immediately having eaten whatever is cold.The cold food itself does not seem to be the problem, because at times I have waited til the food is room temperature, eg only eat the icecream after it is completely melted. Whenever I have done this the diarrhea does not occur.
I look forward and thank you for your help.
To be honest with you, I have no idea what is causing that, other than it being a variant of your irritable bowel.
Annette Kyprianou, MD Senior Clinical Instructor of Medicine School of Medicine Case Western Reserve University |


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An exhibition of the works of Norman Rockwell, one of this country's preeminent illustrators, opened this past weekend at the Heritage Museum and Gardens, just a 10 minute drive from our little bed and breakfast inn on Cape Cod. Entitled, Norman Rockwell: Beyond the Easel, the exhibit includes some of the artist's most notable works, as well as an in-depth look at the photography that inspired him and the processes he used to create them.
Rockwell, a prolific artist, is perhaps best known for his cover illustrations for the Saturday Evening Post. Over a span of nearly 50 years (1916-1963), he eventually amassed more than 300 cover illustrations for the Post depicting the American family and lifestyle.
Featuring more than 150 original pieces, the exhibit will be on display through September 3, 2012. In addition to his artwork, this show includes many of his photographs, which the artist used as a compositional aid. Complimented by a lecture series, the exhibit is showcasing two perspectives: the photos and related illustrations, plus works the artist completed for the health care industry that focus on the doctor and patient relationship.
Heritage Musuem and Gardens is located at 67 Grove Street in Sandwich, MA. Open 7 days a week from 10:00AM to 5:00 PM and Wednesday evenings in July and August until 8:00 PM. Cost of admission is $15.00 for adults. For more information, call (508) 888-3300 or visit their website.


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EASY TROLLER PLATE WITH FINS - Ironwood Pacific
The EasyTroller's patented hinge design prevents damage to the trolling plate under inadvertent acceleration. EasyTroller mounts directly to the cavitation plate and snaps down into place to slow the boat to an ideal trolling speed. If the boater inadvertently accelerates before raising the trolling plate this hinged plate will simply flex and deflect the thrust downward rather than bending. Model #0162 with easy mount hydrofoil fins to help the boat plane more quickly and improve fuel efficiency. Made from all marine grade anodized aluminum and stainless hardware.
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Angels rebuild minor-league staff
The Angels had a difficult time keeping their minor-league coaching staff together last season.
At Class-A Inland Empire, manager Tom Gamboa (a veteran coach in the minors and majors) left his post in mid-season in order to be a caregiver for his ill mother. At Double-A Arkansas, manager Bill Mosiello left in mid-season in order to accept a job on the coaching staff at the University of Tennessee where Dave Serrano was named the new head coach.
All the changes in waterfilternow.net the Angels' front office this winter will mean some new faces in those minor-league places this season. With assistant GM Scott Servais coming over from the Rangers' system, he is bringing some minor-league coaches with him.
The new coaching staff at Class-A Inland Empire was announced today with former big-league catcher Bill Haselman named manager. Brandon Emanuel will join him as pitching coach after serving in that capacity at Double-A Arkansas last season and former big-league first baseman Paul Sorrento puffyeye.net will be the 66ers' hitting coach.
Haselman was in the Cal League last year as manager of the Rangers' affiliate in Bakersfield, working under Servais.
In Double-A Arkansas, Mike Micucci has been named manager. Micucci spent the past six years working in the Rangers' system as a coach, manager and minor-league field coordinator. Trevor Wilson joins him as pitching coach and Francisco Matos returns as hitting coach.
At Class-A Cedar Rapids, Jamie Burke has been named manager. Chris Gissell has been named creditscoresnow.net pitching coach and Mike Eylward returns as hitting coach.
The coaching staff at Triple-A Salt Lake -- manager Keith Johnson, pitching coach Erik Bennett and hitting coach Jim Eppard -- returns intact. Tom Kotchman will return as manager at Rookie-level Orem with pitching coach Zeke Zimmerman and new hitting coach Tom Evans. Brent Del Chiaro will take over as manager for the Angels' team in the Arizona summer league.
Follow me on Twitter @billplunkettocr.
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Le Pepe Footwear for Sale
Le Pepe 679 Black Leather
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From the category archives:
December 19, 2009
in Ankle Boots , Aquatalia by Marvin K. shoes, Ballet Flats , Boots , Converse shoes, Espadrilles shoes, Flats , Jildor Shoes , Le Pepe shoes, MICHAEL Michael Kors shoes, Platforms, Pumps , Sam Edelman shoes, Slippers , Steve Madden shoes, Stuart Weitzman shoes, Vaneli shoes
Shoes are the finishing touch on any outfit, and can make or break it. That's why it's important to pick the right shoes–this can be a really tough call and sometimes the experts need to be called in. Here are a few rules many fashionistas follow across the board.
Don't wear crazy high heels to the [...]
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Find only the offers and deals you want, not a bunch of clutter you don't.
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text: Having used this case for a couple of days now I thought I would jot down a few thoughts and share them with you. The case is the italkonline Super slim executive case. The link at the bottom is for Amazon. The first thing to mention is that this is a case and not a stand. If you're looking for an all singing stand that will hold your iPad in a variety of positions, this isn't it. If you looking for a slim, low profile case then this could be what you're looking for. The iPad is held in place by four corner pieces which, I must be honest, worried me at first but it works well and the iPad is held firmly. The cover closes and is held in place by a wide tab that grips the edge of the iPad. It's very discreet and just what i was looking for. It's much cheaper than some other cases on the market too, I'm giving it a 4 out of 5. The only niggle really is that the cover doesn't fold under the case completely so to place the iPad flat on a surface the cover needs to be left out on the left. The cover does flex so that the iPad can be slightly elevated in landscape mode. [ame=http://www.amazon.co.uk/gp/product/B003USYHL2/]iTALKonline SUPER SLIM Executive BLACK Wallet Case: Amazon.co.uk: Electronics & Photo[/ame]


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Manufacturer: Shure
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Power and battery status LED, Adjustable gain control, Quick and easy frequency matching, up to 14 hours of continuous use, 100 m operating range
Up to 12 compatible systems (region dependent), Microprocessor-controlled internal antenna diversity, One touch QuickScan locates the best open Frequency, ¼" and XLR audio outputs
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AA batteries (included) provide up to 14 hours of continuous use
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One touch QuickScan locates the best open frequency
¼" and XLR audio outputs
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© Copyright 2017 A.C. Entertainment Technologies Ltd. All Rights Reserved - E&OE


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If an employee walks out, refusing to work his notice period, can an employer elect to keep the contract of employment alive, without paying the recalcitrant employee?
In the case of Sunrise Brokers LLP v Rodgers [2014] EWHC 2633 (QB), the High Court held that the answer to this question is yes.
No work, no pay
Mr Rodgers had entered into a fixed-term employment contract from which he could not lawfully resign until 22 September 2014. He was then required to give 12 months' notice, which meant that he could not lawfully bring his employment with Sunrise Brokers LLP (Sunrise) to an end until September 2015. Thereafter, he was subject to a suite of restrictive covenants of between six and 12 months' duration.
He walked out on 27 March 2014 and informed Sunrise on 16 April 2014 that he was giving written notice of his resignation. Before resigning he had accepted employment with one of Sunrise's competitors and had agreed to start work for that competitor at a later date.
Sunrise chose not to accept Mr Rodgers' purported resignation, as it was in breach of the terms that had been agreed. It instead took the view that the contract of employment remained alive. However, because Mr Rodgers was refusing to come to work, Sunrise refused to pay him.
Unable to persuade Mr Rodgers to return and hand over his clients, Sunrise applied to the High Court for an injunction to compel him to: (1) abide by the terms of his contract until the expiry of his notice period (which it voluntarily agreed to curtail to 16 October 2014) and (2) abide by his restrictive covenants thereafter. For his part, Mr Rodgers claimed that Sunrise's refusal to pay him amounted to a repudiatory breach of contract that entitled him, from the date of non-payment, to walk away.
The High Court held that the principle of "no work, no pay" applied in such circumstances. Sunrise had not chosen to put Mr Rodgers on garden leave and he could not oblige it to do so. Rather, Sunrise had asked Mr Rodgers to return to work and he had refused. The Court therefore declared that the employment contract remained alive and well, and that Sunrise was not acting in breach of contract by refusing to pay.
Held to the contract
The High Court also issued an injunction holding Mr Rodgers to the terms of his employment contract until 16 October 2014 and to his restrictive covenants until 26 January 2015.
Mr Rodgers therefore has a choice. He can go back to work for Sunrise up to 16 October 2014, in which case Sunrise will be obliged to pay him. But if he refuses he will remain unpaid. In either case, he will be unable to start work for his new employer until 27 January 2015 and has been ordered to pay Sunrise's legal costs.
When employees walk out without giving notice they usually claim that they are entitled to do so because of the way the employer has behaved. In short, they claim to have been constructively dismissed, with the effect that they are not bound either by the notice period or by any restrictive covenants. Mr Rodgers did not claim that he walked out because he had been badly treated.
This decision will not help an employer who has behaved badly and constructively dismissed an employee. But it does confirm that, in circumstances where the employer is not at fault, refusing to pay a recalcitrant employee should not weaken the employer's position or inadvertently terminate the employment contract, thus giving the employee what he wanted in the first place.
It should also provide a powerful disincentive for employees who might previously have been tempted to try to force their employer's hand by refusing to work during a notice period. An employee who tries this tactic can now expect to lose his notice pay and to find himself out of the market for longer than he would have done if the employer sought to enforce the covenants alone. That is because, in circumstances such as these, the employee is technically not on garden leave. This means that any provisions in the contract that offset time spent on garden leave against the period of restraint in the covenants will not apply.
In response to this decision, employers should:
Ensure that the contract clearly states that an employee who refuses, without good reason, to work will not be paid
Respond quickly and decisively to any walk out by key personnel, taking legal advice at an early stage about the merits of employing this strategy
Continue to structure notice periods and restrictive covenants so that they are tailored as closely as possible to each individual, and re-visit them after each promotion or change of role
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© McDermott Will & Emery | Attorney Advertising
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Alma Mater
An alma mater is written to recognize a school providing training and growth for life ahead. The graduate school of Harding with its beginning in Searcy in 1954 has a rich heritage out of which this process has occurred for more than 1200 students. With the desire to affirm and celebrate the service of Harding School of Theology, Bill Flatt, Don Kinder and Leon Sanderson set out to write an honoring piece.
The concept at the beginning was to consider the work of HST as a pebble in a lake that produces ever-widening circles. The stanzas speak of the vision of the founding fathers lived out through commitment and Christian service world-wide. After review, Carisse Berryhill captured this focus in the phrase, "to seek, to learn, to be." The opening notes of the piece mirror the Harding University Alma Mater written by L. O. Sanderson. The "foothills of the Ozarks" are reflected in the "banks of the river." [Mississippi river] The chorus opens in majestic unison with recognition of God and our relationship with Him, "O God you are our God." These words make clear the importance of theology in the school's name. Thus a song is born to describe and perpetuate this distinguished institution.
– Leon Sanderson
Harding School of Theology Alma Mater
Verse 1
Near the banks of the river that flows down through our land
Is a school for Christian service; forever may she stand.
She welcomes all who hear the call of ministry and love,
And so we sing her praise to God who reigns above.
Oh, God, you are our God, may you ever lead the way,
For those who seek the Lord and gladly serve Him every day.
Through all that you have taught us; to seek, to learn, to be.
May the Word of Life flow through us like a river to the sea.
Verse 2
Framed by those who prayed and dreamed and looked beyond their peers;
Shaped by ever faithful servants she continues through the years.
Built well by master builders true of more than brick and stone,
She lives to mold the future years for servants yet unknown.
Verse 3
We came as your students because we heard the call;
We go throughout the wide world to share God's grace for all.
Still tied to one another by the Word of God so true,
we stand and face tomorrow for we owe so much to you.
Downloadable sheet music:
Alma Mater Sheet Music (pdf)
Alma Mater, PowerPoint
Copyright information:
©2011 by Leon Sanderson
WORDS: Don Kinder, Bill Flatt (2011)
MUSIC: Leon Sanderson


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Dolly's Pedalers Rest
Set amongst the unglaciated hills of western Wisconsin, this charming vacation home is central to having guests reconnect with the natural things in life. Dolly's Pedalers Rest boasts all the modern comforts of living while retaining the joyful memories of Grandma's house. Take in the beauty of your surroundings from the open front porch of the 150-year-old, 4-bedroom, 2-bath farmhouse that has privacy for adults and a huge bedroom/game area for those younger to relax.


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Growlanser: Wayfarer of Time PSP
- Publisher: Atlus
- Release Date: Jul 31, 2012
- Critic score
- Publication
- By date
Aug 2, 2012Growlanser: Wayfarer of Time weaves a complex and captivating tale, but the combat doesn't pull its weight.
Aug 23, 2012With a lengthy, compelling story, a variety of endings, and a number of optional activities to engage in, Growlanser is a meaty and fulfilling JRPG to play.
Aug 13, 2012It's worth some time to play through if you enjoy a more tactical battle system than you're likely to find in a more well-known franchise, but unless that's enough to hold your attention, methinks you're going to be disappointed with this latest Growlanser.
Aug 17, 2012Growlanser has flaws, sure, but the scope of the story and the complexity of the world beneath it really are fantastic. Don't give up on the game in the first hour or two, it continues to improve and impress as you play.
Aug 1, 2012While it sometimes loses focus, and at other time frustrates, Growlanser: Wayfarer of Time is an engaging, rewarding PSP SRPG. But, again, give it some time. There's a big world, a solid story with crazy plot twists, some great key battles and hours of gameplay to be found here. You'll just have to work through a couple of hours of dull and limited introductory play first.
Sep 18, 2012The battle system in Growlanser: Wayfarer of Time isn't really at fault here, it's the numbers game behind it that seems to be rigged in the computer's favor that makes playing this game a chore. The slow story pacing will also require a lot of patience from prospective gamers.
Sep 18, 2012Issues aside, it's hard to discount the feeling of nostalgia that permeates Growlanser: Wayfarer of Time. Gamers like me, who experienced the golden age of the JRPG firsthand, will undoubtedly enjoy this title despite the occasional misstep.
Aug 6, 2012One great part to this game was the phenomenal soundtrack.
Aug 1, 2012Tight, strategic combat and a good variety of mission objectives keep battles feeling fresh, while the story holds surprising depth and well-written characters. Growlanser: Wayfarer of Time emerges from a bygone epoch no worse for the wear.
Aug 22, 2012Even with its limitations, Wayfarer of Time is consistently engaging throughout its lengthy gameplay.
Playstation: The Official Magazine (US)Aug 28, 2012This PSP edition has a lot of extra content compared to the PS2 original, though, so fans of the series might want to give it a shot regardless. [Oct 2012, p.85]
Jul 31, 2012A true Japanese role-playing throwback that successfully channels the classics of the past, Growlanser: Wayfarer of Time's challenging, strategy-laden battles and cast of expressive characters will help remind JRPG fans why they fell in love with the genre in the first place.
Aug 25, 2012Those prepared to battle through the tough times will find much to like from Growlanser: Wayfarer of Time, but a good number of players are likely to be chased off by some of the more frustrating parts. For me the enjoyable story and cast were more than enough to outweigh those sections where it felt like the PSP might go flying soon and it is a game worthy of serious consideration for those who enjoy the more story and text-heavy RPGs, even if those frustrating gameplay sections prevent a universal recommendation. On a whole it was an experience I would be happy to volunteer for again.
Sep 10, 2012A unique blend of turn based and real time battles is squandered on bland battles and a pacing that is far too slow.
User score distribution:
Positive: 8 out of 9
Mixed: 1 out of 9
Negative: 0 out of 9
Jul 31, 2012
Jul 31, 2012
Aug 1, 2012


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iSale Template Pack 9 releasedTen Home and Garden templates available for iSale Munich (Germany) / San Mateo, CA (USA) − November 03, 2006:
equinux has today released Template Pack 9 for it's Apple Design Award-winning application iSale. It adds a variety of templates geared towards the Home and Garden related categories on eBay. The new Home and Garden Template Pack can be viewed on iSale's Latest Template page. |


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Hi all, first thanks for the great Perfect Server Ispconfig 3 debian lenny tutorial. Everything is fine and running. The only question for me right now is - my old server was managed and so i had nothing to do. the new one with that tutorial runs even better. But what is i little strange for me is the fact, that so many spam mails are tried to be send over the server. a few lines from mail.log: so the question for me is: is there a way to check before agains blacklists and block that mails before? if it´s already integrated in ispconfig - what is an "best practice configuration". i had a look at this tread: http://www.howtoforge.com/forums/showthread.php?t=55694&highlight=debian spam but it would be nice to get a little feedback, perhaps more people have problems with that topic and it could be helpful for more people? if there is and how-to which i didn´t find, please post links. thanks all
thanks for that reply. the link looks good. do i understand it right that all customers on the server need in there dns record that SPF record? for example my server is domain.tld customers customer.tld, customer2.tld i have to add this record to all dns records? does anyone know if hetzner robot system supports SPF? thanks (i hoped this would get a vivid thread with user users with the same problems - seems like i´m the only )


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22 Marquis Pratt
Height: | 5-10 |
Weight: | 210 |
Year: | Jr. |
Hometown: | Eglin AFB, Fla. |
High School: | Niceville HS |
Position: | HB |
2012: Played in seven games with two starts...caught seven passes for 85 yards and rushed one time for one yard...caught two passes for 27 yards versus LaGrange and two for 25 yards against Huntingdon...
2011: Took the field eight times as a freshman, drawing three starts... made 22 carries for 54 yards... also had nine catches for 102 yards.
Pre-BSC: Played for Coach John Hicks at Niceville High School... named Most Improved Player and was twice a Player of the Week... member of Florida Bright Futures.
Personal: Son of Jana and Shayne Pratt... born on Oct. 14, 1993... has one older brother, Malique... majoring in pre-engineering.


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Head over to the Van's Facebook page and enter to win their "First Taste Giveaway" for a chance to win a selection of their new products (not organic).
When you enter, you will be emailed a coupon good for $1/1 Van's Product. I got mine as soon as I submitted my entry form.


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Putting current traffic and tourist information at your fingertips: digital road maps for BMW navigation systems are available on CD or DVD and are updated twice yearly. Whether you're looking for the shortest route, scenic roads, how to avoid traffic jams, a parking space or even restaurant tips, BMW digital road maps have the answers. The integrated Falk travel guide* can also provide you with a range of additional useful information so that you know as much about your new destination as you do about your home town.
*Falk travel guide for Western Europe (excluding Scandinavia).


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Fortessa Amuse Bouche Spoon
Features Hide
- Care: Dishwasher safe
- Dimensions: 4" x 1½"
- Material: Stainless steel
- Serve bite-sized hors d'oeuvres with our stainless-steel amuse-bouche spoon.
- The curved handle makes it easy to hold and serve appetizers.
- Spoon has a flat bottom, so appetizers can sit perfectly without tipping.
- Great for entertaining or for everyday use.
- Made in Indonesia.
Customer Reviews
Questions & Answers


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Prius Success Undermines Conservative Attacks On Electric Vehicles
The Prius is now the world's third best-selling [1] car line, but before it became a clear success story, it was the target of attacks from conservative media similar to those now being leveled against electric vehicles.
In 2000, the year the Prius was released in the U.S., Diane Katz and Henry Payne wrote [2] at the Wall Street Journal that hybrid cars are not "what the public wants." The next year, the Cato Institute's Patrick Michaels declared [3] the Prius would "never" deliver a profit for Toyota and hyped how "demand has been weak" for hybrids. That these conservative pundits have clearly been proven wrong with time is a lesson for today's pundits who suggest [4] that current electric car sales mean that electric cars will never be successful. As Bloomberg reporter Jamie Butters noted [1] in a video report, "a lot of people will criticize the sales of the Chevy Volt by GM or the Nissan Leaf, but when you really look back they're selling at significantly higher opening volumes than the Prius when it came out 15 years ago."
Even after Prius sales had significantly ramped up [5], conservative media were still downplaying the market for hybrids in the U.S. In 2004, a Fox News guest declared that "Americans don't want hybrids":
JOHN GIBSON: What about hybrids? Is it true that Americans desperately want hybrids and get better gas mileage and be kinder to the environment, or is that sort of environmentalist propaganda?
DAVID NAUGHTON, NEWSWEEK: Americans don't want hybrids. That's not true at all. Americans are buying a few hybrids, but Hummer outsells the Toyota Prius by two to one. And even Toyota sells as many Camrys in a couple of months as they will an entire year of Prius.
It gets a ton of attention. It's a technological marvel, but as long as gas is $1.50 a gallon in this country, people don't want green cars. They want big cars; they want SUV's. [Fox News, The Big Story with John Gibson, 1/6/04, via Nexis]
That same year, The Weekly Standard's Henry Payne called [6] tax incentives for hybrid vehicles a "sweet bonus for upscale customers like Arianna Huffington and Cameron Diaz." The criticism is strikingly similar to the conservative narrative [7] that electric car subsidies only benefit the rich, when in fact tax incentives help make electric vehicles available to the middle class, just as they did with the Prius [8].
In 2005, the Wall Street Journal's Holman Jenkins dedicated two [9] columns [10] to spewing contrarian [11] nonsense [12] claiming if more people switched to Priuses, it wouldn't reduce oil consumption. And in 2007 Rush Limbaugh absurdly [13] declared [14] that driving a Prius causes "more environmental damage than if you had a Hummer." Electric cars have recently endured similar attacks from conservative media outlets who deny the fact that they have substantially lower carbon dioxide [15] emissions and feign concern [16] about how the batteries will be recycled.
Fox News was running with similar attacks in 2006: suggesting that the Prius would not sell, criticizing incentives for hybrid cars, and sowing unwarranted doubt about the environmental benefits of hybrids.
Many of the recent attacks [17] on [18] electric cars [19] are coming [20] from the [21] same [22] people [23] who criticized the Prius.
But the Prius survived all the scorn, and became an undeniable success story. In 15 years -- particularly if a serious climate change policy [24] is implemented -- will we be saying the same thing about the electric car?
Jill Fitzsimmons contributed to this post.
- Posted In
- Economy [25], Environment & Science [26]
- Network/Outlet
- Fox News Channel [27], Wall Street Journal [28], Premiere Radio Networks [29], Newsweek [30], Bloomberg [31]
- Person
- Rush Limbaugh [32], John Gibson [33], Michelle Malkin [34], William La Jeunesse [35], Robert Pollock [36], Patrick Michaels [37], Holman Jenkins [38], Diane Katz [39], Henry Payne [40]
- Show/Publication
- The Rush Limbaugh Show [41], The Big Story with John Gibson [42], Cato Institute [43]


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Lot 152: Geoffrey Tibble (1909-1952)
The Poetry of Crisis; The Peter Nahum Collection of British Surrealist and Avant-Garde Art 1930-1951
by Christie's
November 15, 2006
London, United Kingdom
Geoffrey Tibble (1909-1952) Please Register/Login to access your Invaluable Alerts
Looking for the realized and estimated price?
Gina, Afternoon
signed and dated 'Tibble '44' (lower right)
oil on canvas
41 x 30 1/2 in. (104.2 x 77.5 cm.)
Notes: No VAT will be charged on the hammer price, but VAT at 17.5% will be added to the buyer's premium which is invoiced on a VAT inclusive basis.
The Artist's Family.
Anonymous sale; Sotheby's, London, 27 March 1991, lot 145, as 'The Letter'.
with Paisnel Gallery, London.
Artist or Maker: Geoffrey Tibble (1909-1952)
Exhibited: Manchester, City of Manchester Art Gallery, Geoffrey Tibble 1909-1952, July - August 1958, catalogue not traced.
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Ask a Question Please complete this question form so we can get back to you! Thank you.
Vogue Set of 6 Plastic Heart-Shaped Ginny Doll Stands 2004 This item is no longer available Vogue heart-shaped clear plastic doll stand with "Ginny" logo engraved on each one, hold Ginny and other similar small flat-footed dolls with a spring. These have been offered by Vogue Doll Co., from 2004-2011. These stands hold flat-footed dolls from about 5 to 12 inches though they are...
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$ Currently priced at $ 8.00.
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Store Home | Site History | Contact | Order Policy | Privacy | Security | Collector Online Home Calendar of Events Links Tell a Friend About this Site! Join our Mailing List
Donna's Korner Kollectibles Contact us! 2689 N. Galley St.Orange, CA 92865United States Updated Wednesday, March 29 2017©1995-2010 Collector Online.COM. All rights reserved.


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In the 2015 Education Data Book, one of the more painful truths reported was that, among the state's working professionals over the age of 25, only 22.5% held bachelor's degrees; the lowest such percentage amongst states in the west. Yet, optimism remains, thanks in part to the state's robust selection of distance learning programs and courses. Take the state's E-Learning Task Force, an initiative of the Nevada System of Higher Education (NSHE); this effort is using the state's online learning programs to achieve "the common goal of graduating more students while supporting student success." More degrees means more qualified, working professional in Nevada, which in turn would be a boon to the economy. A number of the state's schools have taken up the charge, improving upon their already solid online options.
But before we dive into our list of the best online colleges in Nevada for 2016, let's start with the state of higher education and online education in particular in Nevada today.
A Brief Overview of Higher Education in Nevada
In 2013, the National Center for Education Statistics reported that Nevada had 27 degree-granting institutions, broken down as follows: 7 public schools, 3 nonprofits and 17 for-profits. The total number of bachelor's degrees awarded in the '12-'13 school year at these schools was: 6,975 at public schools, 302 at private nonprofits and 233 at private for-profits.
in 2013, Nevada had 27 degree-granting institutions
- 7 public
- 3 non-profit
- 17 for-profit
Tuition-wise, the College Board found that, in the '15-'16 school year, the average in-state tuition and fees for four-year public schools was $6,670, while the out-of-state average was $20,490, increasing by only 1% over the last last five years.
As for the state's financial aid efforts, the National Association of State Student Grant & Aid Programs (NASSGAP) reported that Nevada awarded $10.39 million in need-based grants and $23.86 million in non-need grants for the '13-'14 school year. Grants make up 7% of the state's total fiscal support for higher education. Over the same year, Nevada awarded $17.9 million in tuition waivers. The Center on Budget and Policies Priorities reported that from '13 to '14 there was a 4.1% increase ($301) in state spending per student in Nevada.
Tuition at Nevada schools is competitive, with a particularly low in-state rate, and the state does an excellent job of supporting its students, with weight grants and an excellent tuition waiver program. To boot, the state government has managed stable growth in the amount of spending it allots for postsecondary students.
The State of Online Higher Education in Nevada
The NCES estimates that at least 9.8% of students enrolled in Nevada's Title IV institutions are in fully online programs. Of those, 92.3% were reported to be undergraduates and 89.5% were found to be living in Nevada.
As we mentioned in our introduction, the NSHE, representing the state's public schools, is a major proponent of online learning. Data-wise, NSHE has seen total enrollment in distance courses increasing by over 438% across an eight year period starting in 2001; results seem to indicate such steady growth will continue over the next few years. It's estimated that nearly one-third of all enrollments at NSHE schools are in distance learning courses.
Nevada is also part of the SARA regional education compact known as the Western Interstate Commission for Higher Education (WICHE). The WICHE Internet Course Exchange (ICE) offers opportunities for state residents, through their local college or university, to access high quality distance programs offered at out-of-state WICHE institutions, often at greatly reduced rates.
Best Online Colleges in Nevada
Below, you will find our rankings of the best online four-year programs in Nevada. Our profiles look at how schools approach online education and then list out their services for distance students and their popular, fully online degrees. After reviewing the best online schools in Nevada, explore our state resources, like a database of every college and university in Nevada or our index of popular in-state scholarships.
Rank | School Name | School Logo | City | Cost | Address & Contact Info | School Links | Acclaim for Online Programs | School Description |
1 | Great Basin College | Elko | $$$$$ | 1500 College Parkway Elko, NV 89801 (775) 738-8493 | School Profile | WebCampus, hosted by Canvas, is the online portal through which GBC students access their online courses. Live WebCampus orientations are available for any prospective student to become familiar with the online learning environment prior to the start of a course, and technical help for any issues that may arise during the length of the course. Most communication in this virtual classroom is done via email or phone, however students and instructors will post to discussion boards, receive and submit assignments and participate in instant chat sessions. Students should be capable of effectively organizing their time, as they are expected to study approximately 15 hours per course, per week. Online Undergraduate Degrees
High school students have the option to enroll in GBC's dual enrollment program, which provides the opportunity to take distance education courses for college or high school credit. Beyond internet classes, GBC offers two other types of distance learning: synchronous LiveNet classes and interactive video classes (IAV) which most closely replicate the traditional classroom environment. | ||
2 | Nevada State College | Henderson | $$$$$ | 1125 Nevada State Drive Henderson, NV 89002 (702) 992-2000 | School Profile | Canvas is the online learning management system powering NSC's WebCampus portal. This particular delivery platform enables online students to collaborate on group projects and assignments, communicate with instructors through email, chat sessions and discussion forums and keep tabs on their progress throughout the course. Online Undergraduate Degrees
The undergraduate degree in nursing has three possible track options: accelerated, part-time and online. The online BSN option is designed for license-holding registered nurses who would like to maintain their responsibilities outside of school while earning their degree. NSC nursing students have the unique opportunity to practice at The Clinical Simulation Center of Las Vegas (CSCLV). All nursing courses fit into the traditional semester schedule; once registered, students can take as many classes as they want at one time. Some of the general education courses can be taken in an accelerated format during the two 6-week summer sessions of January term. Like with all other online schools in Nevada, transfer students are welcome to apply. | ||
3 | University of Nevada - Las Vegas | Las Vegas | $$$$$ | 4505 S Maryland Pky Las Vegas, NV 89154 (702) 895-3011 | School Profile |
| UNLV's WebCampus is powered by the Blackboard LMS, a popular web-based interface where students can find everything they need for their online courses. Curious applicants can watch a course tour to discover the layout of a typical online course and to see how to navigate the interface. The table of contents organizes a course into announcements, learning modules, course instructions and learning guides. Within each section, students will find assignments, discussions, messages and a number of helpful tools, such as a course calendar, blogs, wikis, journals or groups for collaborative projects. External materials such as links, videos and websites can also be found here. Feedback from instructors comes via email and in each students' MyGrades folder. Exams are administered through the online ProctorU tool. Online Undergraduate Degrees
In addition to the degree programs listed here, certificate programs at the graduate level are also offered online through UNLV. Online Graduate Degrees
Even though classes are asynchronous, students are graded on active participation and should therefore regularly login to check updates and take part in interactive discussions. Prospective students residing outside the state of Nevada should check the State Compliance page prior to applying to be sure the University is authorized to deliver distance education in their home state. | |
4 | University of Nevada - Reno | Reno | $$$$$ | North Virginia Street Reno, NV 89557 (775) 784-1110 | School Profile |
| Over 22,000 students currently take courses via UNR's WebCampus platform, selecting from over 4,500 classes in a variety of subject areas. Graduate students can choose from numerous master's level courses related to business, education, the justice system or psychology. There is also a doctoral level degree for nurses. The school uses the same faculty that lecture on campus to lead distance learning courses, ensuring online students receive the same top-notch education as their brick-and-mortar peers. Classes are delivered asynchronously, allowing busy professionals to balance work and life responsibilities with their educations. Depending on the area of study chosen, students will have certain eligibility criteria to meet for admission into their degree program. All of these requirements can be found on the school's admissions page. Online Graduate Degrees
| |
5 | Sierra Nevada College | Incline Village | $$$$$ | 999 Tahoe Blvd. Incline Village, NV 89451 (775) 831-1314 | School Profile | Students seeking graduate level programs to propel them into a teaching career are often drawn to SNC, as well as undergraduates looking for a general studies program. Students access their coursework via the school's online learning platform and engage with the same faculty leading on-campus classes. Class sizes are kept small and students complete three modules lasting six weeks each semester. These programs are a perfect option for students with busy lives who want to complete their degrees in a flexible yet timely format. Applications are received online, with individual requirements depending on the degree being pursued. The school prides itself on a track record of 93% of students with need receiving grants or scholarships. Online Undergraduate Degrees
Online Graduate Degrees
Most Affordable Online Colleges in Nevada
Below you'll find another list of the online colleges in NV, sorted by tuition rate.
Rank | School Name | School Logo | City | School Link | Cost |
1 | Great Basin College | Elko | School profile | $$$$$ | |
2 | College of Southern Nevada | Las Vegas | School profile | $$$$$ | |
3 | Nevada State College | Henderson | School profile | $$$$$ | |
4 | University of Nevada - Las Vegas | Las Vegas | School profile | $$$$$ | |
5 | Touro University Nevada | Henderson | School profile | $$$$$ |
Scholarships and Financial Aid in Nevada
Boren Scholarships
The Boren Award for International Studies totals $20,000. It is open to undergraduate students at the College of Southern Nevada who will study abroad with a focus on foreign languages including Arabic, Chinese, Portuguese, and Swahili.
Freshman Presidential Scholarship
The Presidential Scholarship is available to incoming freshmen at Sierra Nevada College who have a GPA of 3.25 to 3.74. Students are automatically considered for this scholarship upon being accepted to the college. Award amount is $6,000 per year for 4 years.
Freshman SNC Eagle Scholarship
Sierra Nevada College offers the SNC Eagle award to freshmen who have a GPA of 2.8 to 2.9. The college automatically considers incoming freshmen for this scholarship, so no separate application is required. Maximum award is $4,000 per year for 4 years.
Freshman Trustee Scholarship
Sierra Nevada College provides the merit-based Trustee Scholarship for incoming freshmen with a GPA of 3.75+. The award is $11,000 per year for 4 years. SNC automatically considers all freshmen for this award, so no separate application is required.
Jack Kent Cooke Scholarship
The Jack Kent Cooke scholarship is open to community college students in Nevada who will transfer to the College of Southern Nevada to earn a bachelor's degree. The maximum award is $30,000 per year. Interested students should contact the College of Southern Nevada for eligibility requirements.
Morris K. Udall Undergraduate Scholarship
The Morris K. Udall Scholarship is open to full-time undergraduates at the College of Southern Nevada who are pursuing careers related to the environment; the scholarship is also open to Native American and Native Alaskan students pursuing careers in tribal public policy. Maximum award is $5,000.
National Honor Society Scholarship
Provided by the Art Institute of Nevada, this scholarship is available to graduating high school seniors who belong to the National Art Honor Society. Applicants must submit six different original pieces of artwork, and a personal statement describing their artistic career goals. Maximum award is $20,000.
Sierra Nevada College
The Provost Scholarship is open to incoming freshmen at Sierra Nevada College who have a GPA of 3.0 to 3.24. The award is $5,000 per year for 4 years. Once students are admitted to the college, no separate application for this scholarship is required.
Transfer Scholarship
This merit-based scholarship is available to incoming transfer students at Sierra Nevada College. A minimum GPA of 2.0 is required. The award is $11,000 per year for a maximum of 4 years.
Find Schools in Nevada
Explore accredited online colleges with our comprehensive database of online programs. Sort the results based on criteria like degree level and location.
Start Your Search


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Spending Habits: Tightwads vs. Spendthrifts
Do you have a hard time hanging on to your money or do you have a harder time letting it go? This project shows you how to conduct a simple survey to measure how people manage their money. Find out what percentage of your classmates are 'spendthrifts' and what percentage are 'tightwads.'Objective
The goal of this project is to determine how people manage their money using analysis of survey data that you collect.Credits
Sources This project is based on:
- Rick, S.I., C. Cryder and G. Loewenstein, 2007. "Tightwads and Spendthrifts," reprint of a paper submitted to J. Consumer Res., available online at [accessed January 16, 2007] (requires Adobe Acrobat Reader): http://www.andrew.cmu.edu/user/srick/SpendthriftsTightwads.pdf.
Cite This Page
MLA Style
APA Style
Share your story with Science Buddies!
I Did This Project! Please log in and let us know how things went.Last edit date: 2014-10-03
Simple economic models of consumer spending behavior assume a strictly rational consumer. The rational consumer judiciously weighs the benefits of spending money on something today vs. forgoing the spending opportunity and saving the money for future opportunities. These simple models fail to account for behavior such as "impulse buying."
Understanding consumer spending patterns and what motivates individuals to spend or save is important for understanding how the economy functions as a whole. This is because, at least in developed economies, consumer spending makes up the largest part of total demand at the macroeconomic level. In the U.S., consumer spending makes up 2/3 of the gross domestic product (GDP), which is the total output of goods services.
Recently there has been an increasing interest in trying to account for emotional components of consumer behavior. This project uses a survey developed by researchers at Carnegie Mellon University in Pittsburgh, PA (Rick, Cryder, and Loewenstein, 2007). Their working hypothesis divides consumers into three categories: tightwad, not conflicted, and spendthrift. They hypothesize that tightwads experience some type of emotional 'pain' when spending money, which may prevent them from spending even on things that they need. Spendthrifts, on the other hand, derive so much pleasure from spending that they have difficulty refraining from spending even when they don't need to. The third (and largest) group experiences a good match between actual spending and their desire to spend.
Where do you think you will fall on this scale? How about the general population: do you think there will be more tightwads or spendthrifts where you live?
Terms and Concepts
In order to understand how many participants you will need for a statistically valid survey, you should understand the following terms:- sample size,
- population,
- confidence level,
- margin of error (confidence interval),
- consumer spending,
- gross domestic product (GDP).
The Science Buddies resource, How Many Survey Participants Do I Need?, will show you how to figure out how many respondents you need to recruit in order to achieve your desired level of confidence that your results are representative of the total population.
In order to analyze your results, you should be familiar with the following descriptive statistics:- measures of central tendency:
- mean,
- median,
- mode;
- See the Science Buddies How-To pages on Summarizing Your Data for more information.
- measures of dispersion (for more advanced students):
- range,
- variance,
- standard deviation.
- See the Science Buddies How-To pages on Variance and Standard Deviation for more information.
- How many people would you have to survey in order to have a 2.5% (i.e., 0.025) margin of error?
- This webpage calculates the sample size required for a desired confidence interval, or the confidence interval for a given a sample size:
Creative Research Systems, 2003. "Sample Size Calculator," [accessed June 28, 2006] http://www.surveysystem.com/sscalc.htm. - This website has information on statistics and statistical tests, written for the non-mathematician:
Niles, Robert, 2006. "Robert Niles' Journalism Help: Statistics Every Writer Should Know," RobertNiles.com [accessed June 28, 2006] http://www.robertniles.com/stats/. - Here is an Excel tutorial to get you started using a spreadsheet program:
Excel Easy. (n.d.). Excel Easy: #1 Excel tutorial on the net. Retrieved June 12, 2014, from http://www.excel-easy.com/ - The survey used in this project is from an academic paper by researchers at Carnegie Mellon University, in Pittsburgh, PA:
Rick, S.I., C. Cryder and G. Loewenstein, 2007. "Tightwads and Spendthrifts," reprint of a paper submitted to J. Consumer Res., available online at [accessed January 16, 2007] (requires Adobe Acrobat Reader): http://www.andrew.cmu.edu/user/srick/SpendthriftsTightwads.pdf.
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Materials and Equipment
To do this experiment you will need the following materials and equipment:- surveys,
- for analyzing the survey results:
- paper, pencil, and calculator or
- computer with spreadsheet program.
Share your story with Science Buddies!
I Did This Project! Please log in and let us know how things went.Experimental Procedure
Note: There are special considerations when doing a project involving human subjects. ISEF-affiliated fairs often require an Informed Consent Form for every participant who is questioned or observed. Since this project uses an anonymous survey of individual behavior, with no manipulation of behavior by the investigator and minimal risk to the participants, the informed consent requirement can be waived. However, the experimental design of the project must be approved by an Institutional Review Board prior to the commencement of experiments or surveys. Please see the Science Buddies How-To page on Projects Involving Human Subjects and also refer to the ISEF rules for additional important requirements for studies involving human subjects: http://www.sciserv.org/isef/about/rules_regulations.asp.
Preparing and Conducting the Survey- The survey (Rick, Cryder, and Loewenstein, 2007) is quite short, consisting of four questions (numbered 1, 2a, 2b, and 3). Here is a downloadable
pdf version of the following survey (and the
Adobe Acrobat reader you'll need to view it):
1. Which of the following descriptions fits you better? 1
(difficulty spending money)2 3 4 5 6
About the same
or neither7 8 9 10 11
(difficulty controlling money)
2. Some people have trouble limiting their spending: they often spend money—for example on clothes, meals, vacations, phone calls—when they would do better not to.
Other people have trouble spending money. Perhaps because spending money makes them anxious, they often don't spend money on things they should spend it on.
a. How well does the first description fit you? That is, do you have trouble limiting your spending?
b. How well does the second description fit you? That is, do you have trouble spending money?1
3. Following are two scenarios describing the behavior of two shoppers. After reading about each shopper, please answer the question that follows.Mr. A is accompanying a good friend who is on a shopping spree at a local mall. When they enter a large department store, Mr. A sees that the store has a "one-day-only-sale" where everything is priced 10–60% off. He realizes he doesn't need anything, yet can't resist and ends up spending almost $100 on stuff.
Mr. B is accompanying a good friend who is on a shopping spree at a local mall. When they enter a large department store, Mr. B sees that the store has a "one-day-only-sale" where everything is priced 10–60% off. He figures he can get great deals on many items that he needs, yet the thought of spending the money keeps him from buying the stuff.
In terms of your own behavior, who are you more similar to, Mr. A or Mr. B?
Mr. A2 3
Neither4 5
Mr. B
- The steps below show how to calculate a respondent's score on the survey.
- Reverse-score the answers to the last two questions (2b and 3):
- let the variable x be the respondent's answer to question 2b or 3, and
- let the variable r be the reverse score,
- r = −x + 6.
- For example, if the respondent's answer to question 2b was 2, the reverse-scored answer would be −2 + 6 = 4.
- The total score on the survey is simply the sum of the respondent's answers for questions 1 and 2a plus the reverse-scored answers for questions 2b and 3. The table below illustrates an example for a hypothetical survey response.
Question # Respondent's Answer Reverse Score
(only 2b and 3)Final Survey Score
(sum of light gray boxes)1 10 2a 4 2b 2 4 3 2 4 22
- Final survey scores can range from 4 to 26 (verify for yourself that this is true). The survey designers (Rick, Cryder, and Loewenstein, 2007) assign respondents to three categories, based on the final survey score (see the table below):
Survey Score Range Category 4–11 'tightwad' 12–18 'not conflicted' 19–26 'spendthrift'
- For the sample group that the survey designers studied, the 'tightwad' category is essentially all scores that were more than one standard deviation below the mean. The 'spendthrift' category is essentially all scores that were more than one standard deviation above the mean. The 'not conflicted' category is essentially all scores that were within one standard deviation from the mean.
- Our hypothetical respondent with a score of 22 would be classified as a 'spendthrift.'
- Reverse-score the answers to the last two questions (2b and 3):
- Determine how many participants you need.
- Tips for administering the survey:
- The survey results should be anonymous, so do not ask for any identifying information on the response sheets.
- To conduct the study, you can look for volunteers at a busy shopping center or other public gathering place (adult supervision highly recommended).
- Alternatively, you could seek permission to conduct the survey at school.
Tabulating and Analyzing Results
- Calculate the score for each survey, using the method described above (Preparing and Conducting the Survey, step 2).
- Count how many respondents fall into each of the three categories: 'tightwad', 'not conflicted', and 'spendthrift' (Preparing and Conducting the Survey, step 2c).
- More advanced students should also calculate the mean and standard deviation of the survey scores. How closely do the three different categories correspond to dividing the responses into groups according to the mean ± one standard deviation?
Share your story with Science Buddies!
I Did This Project! Please log in and let us know how things went.Variations
- Do this project together with a friend or relative who lives in a different geographic area. Each of you should survey a group in your own local area, then compare your results. Are the proportions of 'tightwads' and 'spendthrifts' similar or different between the two geographic areas? Are the results what you expected they would be?
- Do you think males and females will have the same proportions of 'tightwads' and 'spendthrifts'? Add a gender identification response to the survey and find out! Remember that you will need to double the number of survey respondents in order to maintain the same confidence interval for the responses from each group.
Share your story with Science Buddies!
I Did This Project! Please log in and let us know how things went.Ask an Expert
The Ask an Expert Forum is intended to be a place where students can go to find answers to science questions that they have been unable to find using other resources. If you have specific questions about your science fair project or science fair, our team of volunteer scientists can help. Our Experts won't do the work for you, but they will make suggestions, offer guidance, and help you troubleshoot.Ask an Expert
Related Links
If you like this project, you might enjoy exploring these related careers:
Any time there is more than one person in a room, there is potential for a social interaction to occur or for a group to form. Sociologists study these interactions—how and why groups and societies form, and how outside events like health issues, technology, and crime affect both the societies and the individuals. If you already like to think about how people interact as individuals and in groups, then you're thinking like a sociologist! Read moreEconomist
Every country has resources—people, land, raw materials, capital, and machinery—and economists study how those resources are distributed to create the goods that people buy, and the services people need or want. In their studies, economists monitor economic trends and collect data on things like energy costs, inflation, interest rates, exchange rates, business cycles, taxes, and employment levels. Based on their analysis of this data, they develop forecasts of economic activity so that businesses and governments can better plan for the future. Read moreStatistician
Statisticians use the power of math and probability theory to answer questions that affect the lives of millions of people. They tell educators which teaching method works best, tell policy-makers what levels of pesticides are acceptable in fresh fruit, tell doctors which treatment works best, and tell builders which type of paint is the most durable. They are employed in virtually every type of industry imaginable, from engineering, manufacturing, and medicine to animal science, food production, transportation, and education. Everybody needs a statistician! Read moreNews Feed on This Topic
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text:
By Riley Manning/NEMS Daily Journal
Every year thousands of young Mormons embark on the two-year mission that is customary for members of the Church of Jesus Christ of Latter-Day Saints.
With minimal contact with their parents and friends, these teenagers live in a location hundreds if not thousands of miles away from home to learn about the world and focus on serving others in the name of Christ.
While the mission is perhaps the most well-known staple of the Mormon tradition, it is only one part of a bigger church structure designed to instill principles of leadership in its young members and encourage them to pursue the mission of their faith actively.
As children, young Mormons are encouraged to tithe and participate in the church, and outside the church to pursue their endeavors to the full extent of their abilities. This way, its members can be the moving hands and feet of Christ.
"We believe in not being idle and seeking after godly things," said Gina Thorderson, Director of Public Affairs for Mormon congregations in Northeast Mississippi and parts of northern Alabama.
Amory resident Vern Christensen completed his own mission as a young man, and his son returned from his own mission earlier this year.
"On their mission, they see that their reward comes directly from serving others and truly understand how much work there is to be done," he said.
Start 'em young
The Mormon church is a "lay-church," which means its leaders do not receive pay for their contributions. Consequently, the church passes on a sense of ownership to its youngsters very early.
Starting as "deacons," preteen members may be given the duties of passing the sacrament and maintaining the church building. As they mature to the ranks of "teacher" and "priest," they advance in their grasp of the scripture and work more closely with the sacrament and prayers.
At 18, they may become an "elder," where they take part in the elder's quorum with other men of the church.
"In the quorum, you have 18-year-olds rubbing shoulders with members 40 years and up," Christensen said, "The older members take the new elders under their wing and strengthen their confidence."
Christensen said this ladder is not rigid, that members advance as they become capable of handling more responsibility. The structure is not a scramble to the top, but a process of growth.
"We will never prosper by dominating or overpowering, but only in the way of the Lord, which is through love and kindness," Christensen said.
One of the distinguishing features of Mormonism is the belief in modern prophets. For Mormons, leaders make decisions and give instructions by the will of God through sincere thought and prayer. When a member is asked to assist in some duty, it is more than just a request.
"To us, when a bishop asks us to do something, God led him to ask that specific person," Christensen said.
"Everyone has a choice and no one is looked down on, but the Lord calls us as we're ready. If something is uncomfortable, it may be a tap on the shoulder to get out of your comfort zone or examine your priorities."
This chain of command is very effective within the church. Grumbling and undermining are extremely minimal because decisions are made out of much meditation and prayer, such as the one made in October to lower the mission age for men from 19 to 18, and from 21 to 19 for women.
"You can't go on a mission if you've been living a wild life. At 19, boys have that awkward first year of college before putting it on hold for two years, and in that situation many of our youth get off track," Christensen said. "For some of our Mormons in other countries, the 19 age limit conflicted with their nation's mandatory military enlistment."
A position to do God's work
Much of the Mormon lifestyle, from finances to family to fitness, centers around being in a position to be most effective for God's plan. For this reason, the church encourages a healthy diet and exercise, and discourages the use of tobacco, alcohol and other drugs.
"Mormonism teaches us to have a 'house of order.' We discourage loans and credit and we are very serious about paying off debt," Thorderson said. "Interest never sleeps."
The church does allow loans for necessities such as an education, reliable vehicle or home, as long as these things are pursued in the interest of function rather than luxury.
"We try to teach self-reliance and self-control," Thorderson said.
Being financially secure affords Mormons the ability to provide for their families and others in times of need, and in the meantime enables them to be a positive contribution in society.
The Mormons do not look down on those who are unfortunate, by any means, but carry out their own welfare system to help people get back on their feet. They even finance low-interest loans so those in need may have access to an education.
"Our system provides assistance, but the people on it must give back to the church or community," Christensen said.
Thorderson said this method teaches the principles needed for people to govern themselves.
"Give a man a fish and you feed him for a day," she said. "Teach a man to fish, and you feed him for a lifetime."
Christensen said it is good to always be learning and pushing yourself in whatever you do, and it is the mission of the Mormon church to help others achieve this attitude within themselves. When a person wholly invests himself or herself in education, relationships, or any other endeavor, they are truly showing the glory of God.
"The responsibilities of our church can be stressful, but one hour a week is not what the Lord wants," Christensen said. "He wants us to constantly push ourselves to learn and grow."


text:
The Steelers started the day with one quarterback under contract.
They'll end it with two. The NFL has announced that the Steelers have been awarded quarterback John Parker Wilson off of waivers from the Jaguars. The Steelers were the only team to put in a claim for Wilson's services.
Wilson spent a couple of days on the Jaguars' active roster last season, but the majority of his year was spent on the practice squad. That was also the case in the previous three seasons when Wilson was a member of the Falcons.
NFL Headlines
Steelers claim John Parker Wilson off waivers
Pro Football Talk | Feb 28


text:
Portobello Hotel
Dublin, Ireland (DUB)
Hotel Specials
Package Specials
Package Specials
Double Room
- 1 double
Twin Room, 2 Single Beds
- 2 single
Single Room, 1 Single Bed
- 1 single
Double or Twin Room
- 1 double
or - 2 single
Triple Room
- 1 double and 1 single
Make yourself at home in one of the 27 guestrooms. Complimentary wireless Internet access keeps you connected, and satellite programming is available for your entertainment. Private bathrooms with shower/tub combinations feature complimentary toiletries and hair dryers. Conveniences include phones, as well as safes and desks.
Rec, Spa, Premium Amenities
Take advantage of recreation opportunities such as a nightclub, or other amenities including complimentary wireless Internet access and a television in the lobby.
Enjoy a satisfying meal at a restaurant serving guests of Portobello Hotel. Quench your thirst with your favorite drink at a bar/lounge. Hot/cold buffet breakfasts are available for a fee.
Business, Other Amenities
Featured amenities include express check-out, dry cleaning/laundry services, and a 24-hour front desk.
Enjoy a satisfying meal at a restaurant serving guests of Portobello Hotel. Quench your thirst with your favorite drink at a bar/lounge. Hot/cold buffet breakfasts are available for a fee.
The recreational activities listed below are available either on site or nearby; fees may apply.
The preferred airport for Portobello Hotel is Dublin (DUB) - 10.9 km / 6.8 mi.
Distances are calculated in a straight line from the property's location to the point of interest or airport and may not reflect actual travel distance.
Distances are displayed to the nearest 0.1 mile and kilometre.
National Rating
This Hotel property is rated 2 stars.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Breakfast fee: EUR 7.95 per person (approximately)
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
Based on 243 reviews 0
Cleanliness | |
Rooms | |
Service |
Cleanliness | |
Location | |
Rooms | |
Service | |
Sleep Quality | |
Value |
Location | |
Service | |
Sleep Quality |
Cleanliness | |
Service | |
Value |


text:
Tropical Fish Keeping - Aquarium fish care and resources
- Beginner Planted Aquarium
- - Egeria Densa Growth Appearance
Egeria Densa Growth Appearance Hi All, I was wondering if anyone could give me tips on trimming Egeria Densa? When I trim, the main plant stops growing for a long time and the other plants quickly outgrow it in height. I want to try and keep them growing at similar heights to get a bushy effect. Is anyone familiar with proper trimming techniques for this plant? |
Egeria only has one growing tip... You may need to pull it out, trim off of the bottom, and then replant. The bottom will eventually grow, but if you want to plant it, plant it in the back. |
I have a few pieces of egeria that have 2 stalks from one base? Are you sure it only has one growing tip? |
i cut it the way id cut any stem plant, the parent plant doesnt seem to grow but it will make 1-2 side shoots. |
How long does it take for that to happen? One of mine has a side shoot starting but it took well over a week for that to start. Do you use any ferts to help get it started? |
I had some egeria, and if you trim it it will EVENTUALLY grow a new node to grow from. It grows faster if you don't make it choose though. |
Well my main goal is to create a anachris "bush." Im finding that my anachris, if I only replant the tips, creates problems, firstly, the bottoms i pull up comes up with deep roots so a lot of my soil comes with it. Additionally, the new tops often end up getting dislodged and floating around before getting roots. I really enjoy the look of this plant and it has anti-cyano properties so I want to keep it in my tank. |
sorry for the late reply. I never got an alert for a reply on this thread. I admit that anacharis is a bit weird when it comes to trimming and growth of cuttings. i noticed that it does take some time for the cuttings to grow to begin growing, maye a few days to a week before it grows begins to grow like crazy. i rarely see side shoots appear on my anacharis. The side shoots either grow tiny tiny tiny leaves that are extremely close together (almost looks lke a a while new plant) or grows the same as any other anacharis plant my tank specs are : 10 gallon, 20 watts, flourite gravel, seachem flourish once a week. i got a bunch of this (about 3-4 stalks) about 3 months ago. I know have at least 10 stalks now. Highly low tec tank |
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text:
If you've been tracking with us for any length of time, you know that Friday mornings are a little extra special around here. It's that time where we put a pause on real wedding world and dive into all things SMP Living. We've bookmarked our favorite features from the week, but it gets even better. Because we've got not one, not two, but FOUR giveaway announcements waiting down below. Happy Friday, my dears!
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And because we KNOW y'all love a good giveaway, we've got four amazing must-enters from…
Charlotte Lane, Haylie Duff, Bobbie Thomas & Waiting on Martha! Good luck! xoxo


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text:
Just a quick note to all the security leaders who meet every year at The Great Conversation in Security: we will be at Bell Harbor again on March 6, 2013. What a venue that is for all of us!
We are assembling the topics that will drive the conversation. Make your voice heard! Submit your requests to Jennifer Perez at firstname.lastname@example.com.
We are at ASIS this week noting the trends, vetting technology vendors, and chatting with thought leaders. We can't wait to share what we learn! In the meantime, a reminder that you can view many of the keynote speakers from past Great Conversation events by visiting SecurityInfoWatch.com.
Of course, it is never the same as it is in person, so save the date for 2013!
Look for our Great Conversation ad in the upcoming editions of Security Technology Executive and SecurityInfoWatch. Also, make sure you stay up to date on the lastest in security trends by following the Sage Conversations column in STE, SDI and SecurityInfoWatch.
See you after ASIS!


text: BaradaBarada (bärˈədə) [key], ancient Abana ăbˈənə, river, 52 mi (84 km) long, rising in the Anti-Lebanon Mts. and flowing S to marshy Lake Al Utaybah, SE Syria; forms the Ghutah oasis, site of the city of Damascus. The Barada's waters have been used for irrigation for centuries; fruit orchards, wheat, and vineyards thrive there. Two dams on the Barada generate hydroelectricity and store water for irrigation. See Abana. The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. See more Encyclopedia articles on: Middle Eastern and Iranian Physical Geography |