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Technological Innovations In The Ghanaian Banking Industry Finance Essay
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In recent times, the emergence of Information Technology has been incorporated into the Banking Industry. This advent of Information Technology (IT) has propelled a noticeable change in the Banking Sector. Information Technology (IT) to all computer based information systems used by an organisation and their underlying technologies (Langdon and Langdon, 2006)
Information Technology systems are revolutionising the operations of firms, industries and markets. Langdon and Langdon also defined an IT system as a set of interrelated components that collect (or remove), process, store and distribute information to support decision making, coordination and control. It also helps managers and workers to analyse problems, visualise complex subjects and create new products.
IT is one of the most important tools along with the innovations in organisations and management. Research has shown the investment in IT plays a critical role in increasing the productivity of firms (Zhu et a l, 2004
The business world is in the midst of a networking and communication revolutions driven by the growth of internet, internet based technologies, new business models and processes that leverage the new products.
Banking Trends Worldwide
Over the past decade, service organisations including commercial banks have been driven by such trends such as advancements in technology and deregulation to enhance their distribution channels. Technology in Banking can mainly be found in the form of computer based applications and information technology.
Currently, delivery trends in banking include, PC Banking, Internet Banking, Mobile Banking, Managed networks, TV-Based, Automated Teller Machines(ATM), Electronic Funds Transfer at Point of Sale(EFTPOS) etc.
Importance of Technology in Banking
A number of studies have concluded that IT has significant positive effects on bank productivity, cashiers' work, banking transactions, bank patronage as well as its service delivery thus a positive effect on growth of banking. (Balachandher et al, 2001: Hunter, 1991)
It has also been said that, technology enables banks to reduce costs, i.e., reduction of operating labour cost, cost of collecting, storing and processing information fall and interest expense is more competitive because technology enables banks to access liabilities more cheaply.
Also, technology enable banks to serve their customers better and faster (convenience of having 24 hour access to ATMs, internet banking and telephone banking) and also it enables banks have diverse banking products.
Finally, technology enables banks increase revenue and capture new markets by offering broader array of services and doing banking business worldwide. Technology is the is the key to quality service in banking.
Statement of the problem
Top management in the Banking Industry invest in Information Technology with the expectation will result in higher productivity and/or provide the bank with a stronger market presence and related competitive advantage. With the deregulation of the Banking industry, completion has increased considerably thus in managing operational costs, IT has become critical to achieve a competitive advantage (Mistry, 2006)
Although most researchers conducted on this topic have yielded mixed results, most of them have shown that IT and bank performance are independent of one another.
However, this research is aimed at finding out if, indeed, the same holds for the Ghanaian Banking Industry or if the Ghanaian Banking Industry is benefiting from the incorporation of IT into daily banking operations.
A scientific assumption that will consist of measurable variables linked by a relationship that explains how IT impacts bank performance in that IT has enhanced bank's service delivery, product line customer data base management and credit allocation. This assumption is that the higher the IT expenditure used by a bank, the higher its revenue.
Aims and Objective of study
To describe the Technological Environment of Ghana's Banking Industry.
To find if there is a relationship between IT and Bank Performance.
Scope of the Study
The study focuses on banks currently using IT based service delivery in Greater Accra Region. Furthermore, the sample size was limited to Ten (10) universal banks out Twenty-five (25)
Literature Review
Firms invest substantial amounts of resources to sustain or enhance their competitive advantage, that is , their abilities to compete globally. These expenditures are usually made to sustain shareholder value through either a revenue growth strategy or a productivity strategy. According to kim et al (2004), a revenue growth strategy involves expanding new markets, new customers and service while a Productivity Strategy involves making improvements in cost structure and asset utilization.
Investing in IT is highly important for improving core competencies for firms in the Banking Industry. Information Technologies are essential tools for developing new financial services, financial products and providing effective and convenient services to customers. The environment in the Banking Industry has become IT intensive (Kim et al , 2004). Banks have moved into online banking systems using IT systems such as Cash Dispensers or Automated teller Machines, Telephone Banking and Internet Banking.
Several studies have been conducted to investigate the economic consequences of IT an the Banking Industry. Most of these researches focused on whether IT provides positive economic benefits or not. Although the evidence appears mixed, some studies found that the 'IT Productivity Paradox' disappeared when the use of IT was well matched with its business strategy such as revenue growth or productivity strategy (Porter, 2001; Simmons, 1998; and Brynjolfsson and Yang, 1996). Thus managers' first concern in investing in IT must be how to combine IT and business strategy in order to obtain a higher business performance.
Modern Banking Practice
Since the 1980's, the Banking Sector has been in a process of significant transformation that started in the United States and later moved to Europe. The main forces behind this transformation of the Banking Industry according to Reixach (2001), are deregulation and innovation in information technologies. Both forces have brought about an increased competition not only among banks but also from other financial and even non-financial institutions. Banks now depend on income from fees rather that interest rate spreads and also competition has in some cases, encouraged banks taking higher risks for which there might only be a little gain.
On the other hand, the transformation of the Banking Industry has contributed to the blurring differences between retail, wholesale and investment banking. Banks in America have steered towards specialisation while in Europe the trend is tailored towards Universal Banking.
Specialization has been the trend in the early Ghanaian banking industry. In the last ten years, the trend has changed with few banking converting to Universal Banks and the issuance of Universal Licences to new banks.
2.1.1 Type of IT Innovations
Information technologies are having a big impact on the reshaping of the Banking Idustry leading to the development of new financial products and new means of developing them. With regards to the delivery of bank products, the last decade has seen the appearance of Automated Teller Machines (ATMs) and Telephone Banking, and now seeing the spread of Internet Banking.
Banking business is now a 24 hour and a 365 day activity with customers having to spend less hours of waiting for service.
The main types of IT innovations currently present in the Ghanaian Banking Industry are ATMs, Internet Banking, PC banking, Telephone Banking, Branch Networking, and Electronic Funds Transfer at Point of Sale (EFTPoS)
Bank Performance
According to Madura (2001), the main measures of Bank Performance are return on the asseta and return on equity. Return on Assets (ROA) is mainly influenced by financial characteristics such as net interest margin, non -interest revenue, non-interest expenses and loan losses. Bank decisions that affect the financial characteristics of bank's are deposit rate decisions, loan rate decisions, loan losses, bank services offered, overhead requirements, efficiency, advertising and the risk level of loans provided.
Return on equity on the other hand is influenced by the return on assets (ROA) and the banks leverage measure.
Several studies have been conducted on the IT and firm performance. Advances in IT permit management to change and improve significant aspects of a firm's structure and operations (Porter, 2001; Stanmbaugh and Carpenter, 1992; and Elliot, 1992).
Studies investigating effect on firm's profitability, according to Kim et al (2004) focused on whether It expenditur3e is converted into business value; eg. reduced expenses, increased revenue or improved operating performance. The evidence appear mixed on the effect of IT on financial performance (Brynjolfsson and Yang, 1996).
Brynjolfsson and Hitt (1994) found out that IT improved the firm's productivity and created substantial value for customers but did not improve profitability
In sum, many studies have shown that IT
Reduces operating costs (Barua et al, 1995)
Increases market share and productivity (Brynjolfsson and Hitt, 1994)
Increases future economic benefits and profitability ( Brown, Gatain, and Hicks, JR., 1995)
The context of the Study
History of It in Ghana's Banking Industry
Abor (2002) in his paper Technological Innovations and Banking in Ghana gives a history of It in Ghana in stated that before the 1980s it was only the use of office automation devices such as Telephones, telefax and facsimile were employed to speed and make more efficient the process of serving bank's customers.
Later in the 1985 and beyond, as competition intensified and the personal computer (PC) got proletarian, banks begun using the in the back-office operations and later tellers used the for customer services.
Advancements got banks networking their branches and operations and the first ATM was installed by the Trust Bank Ghana in 1995.
Other technologies such as Electronic Cards became popular as foreign banks came on the scene with increased competition and service delivery that need IT.
Clydestone Ghana Limited
Clydestone Ghana Limited is a leading provider of information, communication and technology in Ghana. Listed as the first ICT company on the Ghana Stock Exchange is specialized in payment systems, networking and outsourcing and is the sole supplier of UNISYS in Ghana. Their outsourcing installs and manages most of Ghana's ATMs and Point of Sale Terminal (POS).


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From | "V.Narayanan (JIRA)" <j...@apache.org> |
Subject | [jira] Commented: (DERBY-3064) Implement the LogShipper that will enable the shipping of Log records from the master to the slave |
Date | Mon, 10 Dec 2007 11:04:43 GMT |
[ https://issues.apache.org/jira/browse/DERBY-3064?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel#action_12550015 ] V.Narayanan commented on DERBY-3064: ------------------------------------ 1) when you attempt the first connect 2) when a connection failure occurs 1) I believe that if an IOException occurs here we should log the exception and exit. User can handle the cause of the exception here and can restart replication after correcting the problem. We do not know the severity of the cause of the IOException. So it is very difficult to distinguish between when we should stop and re-try based on the cause. So I believe here we should exit when a timeout occurs. 2) Here we should re-try if a timeout or a IOException occurs. This would take care of the case for example when the network connection goes down and comes back again. Also if the log buffer is full and the network is down we fail aborting reconnect attempts. Does this sound OK to you? > Implement the LogShipper that will enable the shipping of Log records from the master to the slave > -------------------------------------------------------------------------------------------------- > > Key: DERBY-3064 > URL: https://issues.apache.org/jira/browse/DERBY-3064 > Project: Derby > Issue Type: Sub-task > Components: Miscellaneous > Reporter: V.Narayanan > Assignee: V.Narayanan > Attachments: LogShipperImpl_v1.diff, LogShipperImpl_v1.stat, LogShipperImpl_v2.diff, LogShipperImpl_v2.stat, LogShipperImpl_v3.diff, LogShipperImpl_v3.stat, LogShipperImpl_v4.diff, LogShipperImpl_v4.stat, LogShipperImpl_v5.diff, LogShipperImpl_v5.stat, LogShipperIntegration_v1.diff, LogShipperIntegration_v1.stat, LogShipperIntegration_v2.diff, LogShipperIntegration_v2.stat, LogShipperIntegration_v3.diff, LogShipperIntegration_v3.stat, LogShipperIntegration_v4.diff, LogShipperIntegration_v4.stat, LogShipperIntegration_v5.diff, LogShipperIntegration_v5.stat > > -- This message is automatically generated by JIRA. - You can reply to this email to add a comment to the issue online. | |
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PKP Bugzilla – Full Text Bug Listing |
We are moving to Git Issues for bug tracking in future releases. During transition, content will be in both tools. If you'd like to file a new bug, please create an issue.
Summary: | Upgrading 2.3.7 to 2.4.1 does not create the "gifts" table | ||
Product: | OJS | Reporter: | Andrea Azzini <andreazzini> |
Component: | Installer | Assignee: | PKP Support <pkp-support> |
Status: | RESOLVED FIXED | ||
Severity: | normal | CC: | jason.nugent, luizborges |
Priority: | P3 | ||
Version: | 2.4.1 | ||
Hardware: | All | ||
OS: | All | ||
Version Reported In: | Also Affects: |
I had a 2.3.7 install and I just upgraded it to 2.4.1 via # php tools/upgrade.php patch # php tools/upgrade.php upgrade The resulting database had 114 tables instead of the 115 found in a fresh 2.4.1 install, which hit me when deleting a journal failed with a database error: table "ojs.gifts" does not exist. So, it appears that such an upgrade will forget to create the "gifts" table. Unfortunately, at this time I don't have a deep enough knowledge of the OJS upgrade process nor of the XML database schema format you use, for me to narrow down the problem any further. As a side note, just copying the "gifts" table structure from a fresh 2.4.1 install was a sufficient workaround for deleting the journal. include gift schema in upgrade process https://github.com/pkp/ojs/commit/0ae520b9af8b8e47aad1e09ed457302d47f32936 include gift schema in upgrade process https://github.com/pkp/ojs/commit/f154699f1ec770c331244208f58b20e3e1a6b411 Hi Andrea, Thanks for the report. This has been fixed, and a patch for this is available at https://github.com/pkp/ojs/commit/0ae520b9af8b8e47aad1e09ed457302d47f32936.diff Regards, Jason What I'm supposed to do after I apply this patch? Run the upgrade routine again? Will that create any problems? Hi Luiz, Yes, you'd have to run the upgrade again. It should not create any problem. Regards, Jason I run the upgrade, but I noticed that I have 116 tables, instead of the 115 that Andrea mentioned above. Where can I find the list of all table names of 2.4.1? |


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Social media is a powerful tool for getting the word out, whether you're selling a product, promoting an event or raising awareness about something. This class will teach you to tap into the power of Facebook, Twitter, blogs and personal websites to get your message across.
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DaveW's profile
Member since: 13 May 2003DaveW has posted 7 links and 70 comments to WHEDONesque.
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Window BoxesWindow boxes look lovely and add character to the outside of houses. They are fairly easy to fix into place, easy to plant up, and easy to maintain. As such, they provide a wonderfully easy way of creating additional gardening space, whether you have a large garden anyway or just a small town flat. They also provide a perfect 'private' windowsill garden for a child! My younger daughter had her first window box a couple of years ago. We filled it with simple flowers (nasturtiums) and she kept it watered and picked off the deadheads regularly. But the best part for her was when a pile of caterpillars made their home there - we could literally watch them munching away at the leaves, knowing we had provided them with a perfect spot to safely grow and change into butterflies! Types of Window BoxesCommercial window boxes are usually available in plastic, clay or wood. The benefits of buying them are that you usually get the fitting instructions and bits and pieces with the box, which is useful if you have never fitted one before! The clay or cement boxes are usually heavy enough not to need securing, providing your window sill is stable and deep enough and you don't live in an area battered by hurricanes and strong winds ... You can also make your own out of wood - or at least make a wooden frame (which can be painted) in which to place the plastic one. Ensure the fittings are secure and rust-proof, and that it is the right size for your windowsill! For some of them it is also a good idea to have a drip tray which fits underneath, as this avoids (at least to some extent) water marks from trailing down the outside walls if overwatering. Try to find the largest, deepest window box possible for your space, as this lessens the likelihood of it drying out too quickly. Window boxes are also not solely designed for window sills. While the container itself remains the same, different fittings allow them to be hung over banisters on balconies or fitted on fences. And there is no reason not to use one on top of an otherwise plain wall to add extra interest! Planting a Window BoxIf you are positioning the window box on an outside windowsill, it is a good idea to screw it into place BEFORE filling and planting it, as they can be heavy to lift once filled - not only that, but it is difficult to screw through potting compost! If using brackets to fit the container on balcony railings or similar, this is not a problem and you can do all the messy work at ground level :) How to Plant a Window BoxYou will need: a window box, potting compost (if possible with fertilizer already added), some gravel, pebbles or hydroponic material, and plants or seeds of your choice. In this example we have used three geranium plants, grown from seed indoors previously.
Useful TipsRemember that potting compost uses up most of its nutrients within the first 6-8 weeks, hence it is a good idea to include liquid fertiliser frequently when watering, or inserting fertiliser sticks into the compost. Also, window boxes need VERY regular watering, especially if south-facing. The majority of window boxes have a lip or line on the inside of the container about one inch from the top. This is your guide for how high to fill the potting compost. The 1" gap between top of compost and rim is to help ensure enough water reaches the plants. Instead of planting bedding plants in the window box, you can also start them off early on the inside windowsill, growing flowers from seed or spring bulbs for an early colourful display. Or consider planting herbs, vegetables or strawberries for a change! Some nice effects which last all year round are achieved by planting evergreens such as ivy or small conifers. Return to Gardening in Containers. |
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Want to grow strawberries but live in an apartment or flat? No problem - you can grow strawberries in window boxes on your windowsill either inside or out! Read more! |
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She sings, and Laura was brought into the world of acting due to her performance in various operas. Her singing in the CCOC (Canadian Childrens' Opera Chorus) started her into operas.
Spent nine years training to be a ballerina.
Laura's younger sisters - Heather Bertram and Jennifer Bertram - are also actresses.
Went to high school at Leaside High School in Toronto, only a couple of years apart from another former Leaside student, actress Brooke Nevin
Spent approximately 1,750 hours in the make-up chair for Trance Gemini over the five year run of Gene Roddenberry's Andromeda.


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BP Comment Quick Links
January 9, 2014 Fantasy FreestyleThe Top 50 2013 Signees for Dynasty Drafts
Once the holidays have moved on and the calendar has flipped, dynasty leaguers all start to crawl out of the woodwork to submit their rosters for the current season and draft the new group of eligibles to dream on. As Wooderson would say, "that's what I love about these current-year draftees, man. I get older, they stay the same age." The promise of the 2013 signees collectively pool together to give dynasty-league rebuilders new hope of contention and dynasty-league contenders new trade chips with which to get the pieces to put them over the top. And while the 2013 crop isn't the strongest we've seen in recent memory, there are still high-upside options from which to choose. The slight quirk of this year is that the options with the most fantasy upside are, for the most part, not the high school players. In fact, only one of the top six players on this list fit into that category—which is a change of pace from last season, when Carlos Correa, Byron Buxton, and Addison Russell all fell into that space (and are all now top-10 prospects in the game). There is no prep arm with more impact potential than Jonathan Gray and no prep bat with more power potential than Kris Bryant. On the international front, just like last year, the crop is headlined by a Cuban hitter and a Japanese pitcher who have impact upside—though for fantasy purposes, they may be less exciting than Yu Darvish and Yoenis Cespedes. Then again, that's not much of a knock on Masahiro Tanaka or Jose Abreu, as you'd be hard pressed to find a one-two punch to match them in most seasons. This is also the time of year that I get a lot of questions about trades involving draft picks. Like every other year, there is a drop-off after the first tier of players available, but 2014 drafts will see more dramatic tiering in the first round than we're used to. So when someone asks me on Twitter, "should I trade player X and a first round pick for player Y," the answer is inevitably another question: What pick is that? There is a very sizable difference between the fifth pick and eighth pick in drafts this year, so even small differences matter. And to expound on that a little further, if you don't have a pick in the top six this year (or top five if Tanaka is not available in your draft), it might be a good time to explore trade options. The biggest weakness of this class of fantasy prospects is in the midsection, and you can take advantage of that by dealing picks for players or pulling a Bill Belichick and securing more picks for 2015—which will have a much deeper draft pool. These rankings assume a standard 5x5 rotisserie 16-team league where you can keep players forever without restriction. In a deeper league, guys like Mark Appel and Colin Moran will get a slight bump up, just like upside-driven names like Tim Anderson or Aaron Judge will get that same treatment in shallow leagues. "Get on with the list already," you're probably thinking and potentially saying out loud to your computer screens (although most of you probably went straight to the names first and are backfilling with the content). Don't worry, I forgive you. But yes, the list (in tiers): 1) Kris Bryant, 3B, Chicago Cubs Let's start at the top. Despite Tanaka and Abreu heading straight to the majors and both having chances at stardom, I'm still taking Bryant with the first pick in drafts this year. As a rather polished college hitter, he's not going to be too far behind the pair as far as ETA goes, and the power is just too tantalizing to pass up. That said, it's certainly defensible to take any of the top three with your first selection, depending on how much you believe in the international products. Abreu could be pre-injury Kendrys Morales, but he also has lingering questions about ability to catch up to velocity and his hit tool. Tanaka could be a healthier and slightly better version of Hisashi Iwakuma and slot in as a very good no. 2 fantasy pitcher for your squad, but he's got a ton of miles already on his arm (without the support of a Darvish-like frame). My love of Clint Frazier is well documented, and frankly, I very nearly put him ahead of Tanaka. It's just the ETA that pushes him back. Then comes the big decision: Gray or Appel? It's close and I've flip-flopped them a couple of times during the process of researching and making this list. In the end, Gray has the upside to overcome the Coors Field factor and I prefer his strikeout potential to Appel's safety. This is the part of the list where the fantasy values drop pretty dramatically. 7) Kohl Stewart, RHP, Minnesota Twins The second group of six here certainly has potential, but it's a real step down either in upside or safety. Stewart will get billing as the top name in this group, but he's much closer to Smith's value than Appel's. Smith and Peterson both could be very solid fantasy bats, but since neither has huge power or stolen-base ability, their upsides are somewhat limited. The remaining three players have the upside you want, but all carry real risk. Anderson could be an Ian Desmond-type or he could flame out as a utility guy. Manaea has an injury history and though the reports are good now, he could see a setback. Harvey has a lot of upside, but his division and ballpark won't help and he's still a long way away. 13) Braden Shipley, RHP, Arizona Diamondbacks The upside in this third grouping is underwhelming. Shipley and Renfroe lead the charge, as they both can reach that next level of prospect status by honing their skills—Renfroe in particular, as a potential power/speed combo (albeit one likely with a low batting average). I'm not the world's biggest Meadows believer, at least not at a star level, but he's going to be a fantasy contributor. Moran should be able to hit and starred at North Carolina, but his position and power potential are up in the air—that doesn't sound at all like Dustin Ackley, right? And Guerrero is a gamble, just without the type of offensive payoff we generally see from Cuban defectors. 21) Reese McGuire, C, Pittsburgh Pirates There's some talent still in the pool at this point, but once you get outside the top-20, it starts to drop off rapidly. If you're looking for the most potential bang for your buck in this group, I'd look at numbers 24 and 25. Williams is athletic, but raw, and could take a nice step forward and solidify himself as the Brewers' top prospect. McMahon is a guy who could hit for power and average—calling Coors Field home is just the icing on the cake. 30) Josh Hart, OF, Baltimore Orioles The rest of this list is filled with lottery tickets (Judge, Devers, Jimenez, Hollon) and likely lower-level contributors (Gonzalez, Anderson, Knebel, Danish). If you're counting on these guys for anything other than minor-league depth, it's very likely to end in disappointment.
Bret Sayre is an author of Baseball Prospectus. Follow @BretSayreBP
44 comments have been left for this article.


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mayb e its just me but the ford flex is like one of the only new SUVs that I like anymore
save land/range rovers
mayb e its just me but the ford flex is like one of the only new SUVs that I like anymore
save land/range rovers
Si Senor.
It has a mexistache
Your face looks like a bath tub
Chrome just gave me a red flag for opening this topic. Apparently someone linked something from bmwblog or some shit and it's "known malware". Silly chrome. OR SHOULD WE RUN TO THE HILLS?! OH GOD D:
its very dangerous i dont think you should be here anymore it's too unsafe leave before its too late
Oh no i thing i got an virus
Why did this replace the Neon? Even the weird AMC-team designed Neon looked better than this.
liking the content
just about anything from here:
Whoops, fixed. Sorry bro.
I really don't understand the Japanese car hate squad in this section. I'm by no means a Japanese car fanboy, but I still see it - why aren't you guys happy just talking about your own favorite cars without shitting on what everyone else likes?
You realize you are on Facepunch, right?
The Hunchback of Nippon Dame.
Most of the time it's the kinda people that think their bag of shit trucks (which can't even go offroad lol) should be driven worldwide.
And who are obsessed with their wives, sisters and mothers. Who all happen to be the same person.
Kia Soul. You know what it looks like.
i find it kinda funny to see people squirm when i say i dislike japano cars, but when i say it im serious
Give your reason. I hate Chinese cars, but that's because they are unsafe, cheaply made, unreliable, and all copies of another brand. Japanese cars are none of that.
I do, but it could be because we've had one for the last 8 years and I'm biased. Either way, everyone has a different opinion.
I don't oppose boxy entirely, one of my favourite minivans is the Ford Aerostar
(again, nostalgia plays a part in this), I just don't like what they've been doing with it recently.
The Aerostar looks way too narrow - almost top-heavy.
Imo they are ugly pieces of shit and i just don't like most of them.
then again thats my opinion and you really shouldn't care
This car is the mark of beauty.
Look at this sexy beast:
And look at that sexy beasts interior, so luxurious with those grey plastics.
I chose GM because they have the least foreign influence. Chrysler is Fiat, and the new Ford cars are all European in design.
Since when is Chrysler Fiat and all Ford cars European in design?
so your argument is
All american cars = ugly
EVERY japanese car = beautiful
Dodge challenger sure is euro influence
Fuck me look at that F-250 looks just like a supra, it has tires on it
God I hate this thing. It may be fast but it looks horrid.
Take that back :argh:
How can you think these are ugly?
I hate the Supra, it looks cross eyes. I don't think every Japanese car is beautiful, or any of them. But I don't think they are Hideous except for that Orca thing. And I do think all GM cars are ugly, and they are the most American (and Canadian) car company. Ford and Chrysler (now) aren't all cheap plastic. They have some soft stuff too.
And the new Challenger is very European in influence when looking at the suspension and stuff:
"Many Mercedes components were incorporated, including the Mercedes-Benz W220 S-class control arm front suspension, the Mercedes-Benz W210 E-Class 5-link rear suspension, the W5A580 5-speed automatic, the rear differential, and the ESP system."
Every GM car that I find is ugly, every one of them. The Cruze looks like a hotwheel with it's huge rims on a small car. The Corvette looks like a fat guy sat on the front of a Cavalier. They just need to fire all of their designers and take lessons from other companies.
CEO of Fiat S.p.A.
CEO of Chrysler Group LLC
United Auto Workers Voluntary Employee Beneficiary Association (63.5%)
Fiat S.p.A. (25%)
The only company with a higher ownership of Chrysler is the Auto Workers Union.
I disagree wholeheartedly with your hatred of the GM brand, but respect it as your opinion. I prefer most American cars to foreign ones, and I love the Corvette. There's just something I like about the larger, more spacious American cars in comparison to European and Asian compacts, and I don't like the Ford Fiesta or the Chevy Cruze for the same reason. I also prefer the Corvette to most other luxury or sporty cars in it's price range/style, though I don't really like the first and second generation of Corvettes. It's really something about the way it's designed that draws me to it, and the really old ones had a different design that doesn't draw my eye in the same way.
That's not saying I hate all foreign cars, if Fiat sold their SUV here I wouldn't mind having one, and a lot of the SUVs and trucks from Asian auto manufacturers, as well as some BMWs, most higher-end Mercedes-Benz and a bunch of the cars Volkswagen makes are pretty decent vehicles. It's just, in terms of mid-to-large sedans I prefer American cars mostly, and the only Coupes I actually like are sporty ones.
Uh the last one is a 1997
But you just said that its apparently bad to ever take knowledge from another country/company.
In other words, Ur a faget.
i LOVE IT HATER OMFGff
850 same design since the 140 just a cinder block with wheels. consumes a fuckton of fuel and still has no efficient power. heavy cars and mostly just small engines.
on the other hand, the new S60R's are quite nice, I love them, tho I never want to own one.
They arent powerful, except for the 850 Turbo and the S60R and the 242 Turbo in some cases, but they are quite efficent. I get great gas mileage in my 240. also the 240 series is light, 1300kg stock which is lighter than quite a few sports cars and sedans...
242 turbo is one of my dream cars actually, but still i find that they had lack of styling back then, they went with that block shape for a long time,
the amazon and the PV series was great cars


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The Boy Scouts of America, Highland Rim District, will hold a patron event on Tuesday, April 17, 2012 at Riverview Restaurant at 6:00 p.m. The guest speakers for the event will include Deputy Governor Claude Ramsey, who is the former mayor of Hamilton County and a veteran to government affairs with over 40 years of experience. Ramsey will be joined by State Representative Dale Ford, a United States Army Veteran, former Major League Baseball Umpire, and current legislator with the Tennessee General Assembly.
"I am very excited about this most worthy event being held in Cheatham County for the first time," says Dan Cook, Chairman of the Highland Rim District of the Middle Tennessee Council, Boy Scouts of America. "Cheatham County has 6 different Boy Scout Troops around the county and 5 Cub Scout Packs. The event will have a great impact on these scouts, in both Cheatham County and throughout the district. Please take time to assist our youth in becoming better citizens and great Americans. As Abraham Lincoln said, No man stands so tall as when he stoops to help a child."
The event will raise money for the Highland Rim District 'Friends of Scouting' Campaign, which consists of Boy Scouts, Cub Scouts, Venturers, and Explorers of Cheatham, Dickson, Hickman, and Humphreys Counties. All funds raised will go directly to local Scouting activities and programs.
The dinner is being sponsored by State Representative Phillip Johnson and Community Bank and Trust. If you would like to make a reservation or be involved as a table host, please contact Bradford Shoemaker, District Executive of Highland Rim, by calling 615-944-3886
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text:
Product notities
Malignant presents another rising star within the dark ambient scene, this time in the form of French act Collapsar. With their debut CD, "Beyond The Event Horizon" Collapsar transports the listener on an epic journey deep into the cosmos, forging a path across a vast, inky void, and steering a course around a roiling galactic core of hyper-dense stars and black holes. The sound is epic, expansive, and most of all, HEAVY. There is beauty and tranquility within these realms, but there is no light - just massive, pulsating textures coalescing into shimmering drones, rippling sound waves, and billowing, multi-dimensional layers of powerful dark energy. "Beyond the Event Horizon" is without question, dark ambient in it's purest form and one of the more genre defining releases of the last several years. A must for fans of Inade, Lustmord and the like. In 6 panel digipak, with design by ::: Eye.Lyft :::. ...'as intense a dark ambient listening experience as you are likely to hear' Electro Ambient Space.


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I actually thought to myself about wanting Tebow, I think his style of play would annoy me too much though (Dont get me wrong I really like Tim as a person, but his play annoys me as I said). Don't know he well it would go down with most fans though lol.
If Peyton were to be injured soon It would be great for us (and it'd be great laughing at those Donkeys), I'd still feel bad because I DO like him (Not as much respect for him any more).
Oh and Welcome to the ChiefsCrowd!!!!


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text:
Inter Kant
Monday, 28 January 2013
Kant and the Laws of Nature
It seems that there is a network of researchers who have been established now to address the theme announced in our headline. Their work is funded by the
Leverhulme Trust
and is coordinated by
Michela Massimi
. Go
for their blog. This promising venture focusing on one of the central topics of Kantian philosophy is well worth encouraging!
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Very nice, thank you very much.
I hope you're enjoying doing the posters, of course all things in moderation yet so far a nice little series.
It's worse: one has to understand it to realize one has to fight for it.
one might want to add that at this historical juncture this quote applies to women in a big sort of way
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No. 9 -- Bob Kuechenberg
How is this man not in the Hall? With Langer and Little, he was part of the best middle of the line in NFL history. Longevity? He blocked in Super Bowls for Griese and Marino. Talented? He played tackle and guard in 1978, earning post-season awards at each position.
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© 2017, The Morning Call


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Conservatives led by Florida Republican Allen West Thursday were quick to blast President Barack Obama's game-changing recognition of a Palestinian state existing along Israel's pre-1967 borders — a decision that many described as an existential threat for the Jewish state.
"Today's endorsement by President Barack Obama of the creation of a Hamas-led Palestinian state based on the pre-1967 borders, signals the most egregious foreign policy decision his administration has made to date..." said West, R-Fla., one of the leading Tea Party thinkers in the House Republican freshman class...
"From the moment the modern day state of Israel declared statehood in 1948, to the end of the 1967 Six Day War, Jews were forbidden access to their holiest site, the Western Wall in Jerusalem's Old City, controlled by Jordan's Arab army.
"The pre-1967 borders endorsed by President Obama would deny millions of the world's Jews access to their holiest site and force Israel to return the strategically important Golan Heights to Syria, a known state-sponsor of terrorism," said West, a career military veteran of the war in Iraq.
"Resorting to the pre-1967 borders would mean a full withdrawal by the Israelis from the West Bank and the Jewish neighborhoods of East Jerusalem. Make no mistake, there has always been a Nation of Israel and Jerusalem has been and must always be recognized as its rightful capital.
"In short, the Hamas-run Palestinian state envisioned by President Obama would be devastating to Israel and the world's 13.3 million Jews. It would be a Pavlovian style reward to a declared Islamic terrorist organization, and an unacceptable policy initiative.
"America should never negotiate with the Palestinian Authority- which has aligned itself with Hamas. Palestine is a region, not a people or a modern state. Based upon Roman Emperor Hadrian's declaration in 73 AD, the original Palestinian people are the Jewish people.
"It's time for the American people to stand by our strongest ally, the Jewish State of Israel, and reject this foreign policy blunder of epic proportions.
"While the winds of democracy may blow strong in the Middle East, history has demonstrated that gaps in leadership can lead to despotic regimes. I have questions for President Obama: 'Who will now lead in Egypt?' and 'Why should American taxpayers provide foreign aid to a nation where the next chapter in their history may be the emergence of another radical Islamic state?'
"President Obama has not stood for Israel or the Jewish people and has made it clear where the United States will stand when Palestine attempts to gain recognition of statehood by the United Nations. The President should focus on the real obstacle to security- the Palestinian leadership and its ultimate goal to eliminate Israel and the Jewish people."


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Computer will not recognise my YP-U3JZW at all!!
Okay, so I've had my Samsung YP-U3JZW for over a year now, and it's been working perfectly fine! Up until a few weeks ago, when after inserting it into the USB port on my desktop (XP SP3), it was not recognised as "Samsung YP-U3" and instead recognised as "Unknown Device" and windows kept on displaying the message "One of the USB devices attached to this compueter has malfunctioned, and Windows does not recognise it. For assistance in solving this problem, click this message." I restarted the desktop a few times, same thing happened. Tried inserting it into my Vista Laptop. Same thing happened too! So now Windows Explorer won't even recognise it in "My Computer" and I can't even drap-and-drop music onto it, let alone transfer music onto it using the programs! The player displays the messages "USB connecting..." then "OK USB Disconnected" and starts charging! But is not recognised!! It was working perfectly before! I have no idea whatsoever what happened, played around with it alot today, and all I can judge is that Windows cannot locate the right software drivers that must've mysteriously gone missing. I've tried alot of things, and nothing's worked! Please help me ppl! I'll be so so so grateful to anyone who can help me fix this problem!! TT.TT
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Welcome! :) I'm young freelancer with a lot of creativity and experience in these hands. I create unique and timeless logotypes with representative meaning and clean look. Always respect other people opinion and giving my opinion, to come together to the desired goal. Contact me if you like my style of work. All the best.
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Antonyms for estimateˈɛs təˌmeɪt; -mɪt, -ˌmeɪt
This page is about all possible antonyms and opposite words for the term estimate
Princeton's WordNet
estimate, estimation, approximation, idea(noun)
an approximate calculation of quantity or degree or worth
theme, idea, appraisal, estimate, musical theme, approximation, bringing close together, estimation, melodic theme, mind, thoughtestimate, estimation(noun)
a judgment of the qualities of something or somebody
approximation, estimation, idea, estimate, appraisalappraisal, estimate, estimation(noun)
a document appraising the value of something (as for insurance or taxation)
approximation, appraisal, estimation, idea, estimate, assessmentestimate(noun)
a statement indicating the likely cost of some job
approximation, estimation, idea, appraisalestimate, estimation(verb)
the respect with which a person is held
approximation, estimation, idea, estimate, appraisalestimate, gauge, approximate, guess, judge(verb)
judge tentatively or form an estimate of (quantities or time)
pretend, guess, pass judgment, infer, opine, gauge, figure, reckon, suppose, try, venture, estimate, judge, pronounce, hazard, imagine, label, evaluate, come close, approximate, think, calculate, forecast, count on, adjudicatecalculate, estimate, reckon, count on, figure, forecast(verb)
judge to be probable
fancy, predict, augur, figure, foreshadow, bet, suppose, look, reckon, work out, view, omen, foretell, consider, estimate, auspicate, visualize, gauge, betoken, see, guess, project, picture, compute, depend, think, calculate, approximate, opine, envision, aim, imagine, direct, bode, count, image, prefigure, judge, presage, regard, prognosticate, enter, visualise, cypher, portend, forecast, cipher, account, count on
estimation, appraise, guessestimate(noun)
To calculate roughly, often from imperfect data.Synonyms:
estimation, appraise, guessestimate(noun)
A document (or verbal notification) specifying how much a job will probably cost.Synonyms:
English Synonyms and Antonyms
Number is the generic term. To count is to number one by one. To calculate is to use more complicated processes, as multiplication, division, etc., more rapid but not less exact. Compute allows more of the element of probability, which is still more strongly expressed by estimate. We compute the slain in a great war from the number known to have fallen in certain great battles; compute refers to the present or the past, estimate more frequently to the future; as, to estimate the cost of a proposed building. To enumerate is to mention item by item; as, to enumerate one's grievances. To rate is to estimate by comparison, as if the object were one of a series. We count upon a desired future; we do not count upon the undesired. As applied to the present, we reckon or count a thing precious or worthless. Compare ESTEEM.
account, calculate, cast, compute, consider, count, deem, enumerate, number, rate, reckon, sum upPreposition:
It is vain to calculate on or upon an uncertain result.
Find a translation for this antonym in other languages:
Select another language:
Use the citation below to add these synonyms to your bibliography:
"estimate." Synonyms.net. STANDS4 LLC, 2017. Web. 27 Mar. 2017. <http://www.synonyms.net/antonyms/estimate>.


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text: TO SECURE THE LOWEST PRICE POSSIBLE, PLEASE CALL US (NEEDAK REQUIRES ALL IT'S DISTRIBUTORS TO LIST RETAIL PRICES ONLINE) Stiffer springs on the Classic rebounder create a harder surface for those who are looking for a stiffer bounce or for a person who is over 300 pounds. Legs fold for easier storage under bed. What comes FREE with my Needak� Soft-Bounce� rebounder? In addition to the finest rebounder, made in America of superior materials, you will receive: * A FREE carrying bag (Folding rebounder only) a $40.00 value * A FREE copy of the book, �Jumping For Health� by Dr. Morton Walker, DPM - a $14.95 value * A FREE copy of the �Immune System� DVD video by Albert Carter (a prolific rebounding promoter, Carter demonstrates the Needak rebounder and explains immune system functioning.), a $20.00 value * And a FREE copy of Dr. Tina Wellman�s "Aerobic Resistance Rebounding" reprint article, a $1.00 value. Ships separately, direct from the manufacturer. Flat shipping rate of $28 within continental U.S. is included in cost of non-folding Rebounder. Additional $4.50 when including stabilizer bar with rebounder order. DISREGARD ANY ADDITIONAL SHIPPING CHARGES THAT ARE SHOWN ON YOUR ORDER IF THIS IS THE ONLY ITEM BEING ORDERED


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Hi somehow my navigating system get automatically update it with a Google Map version of the built in Navigator. I think its horrible and it never seems to work. I keep getting the message "No network connection'. Can anyone please help me with this?
I think you are talking about the route map new to google maps. You still have the option to proceed to the full navigation. you have to choose the route then press start. The update us automatic and I believe mandatory. Have you tried to clear the maps app cache data? That is usually the second thing to try (Reboot or battery pull the first). Alternatively you can go to app manager and try uninstalling updates. The update will probably try to install back in though shortly.
I have the S4 and had the same thing happen with the latest Map update. I despise the new look and setup. Recent destinations - gone, home - gone, current location added - hell, I already know where I am. Go to your app manager, then to maps - uninstall update - clear cache, and you should be back to the version before the update. Hopefully, Google will take note and come out with a fix that will give us the more familiar look.
Hey you won't believe this but I went to Verizon to complain and they told me all I need to do is take out the battery for few seconds and put it back in. It worked!!!! Smh
Sorry about the late response. But no, it only takes you back one update. sent from my galaxy S4 using Tapatalk 4


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The first edition of this extremely popular two volume Greek text has been successfully adopted in many high schools and colleges; the organization and approach used by the authors, make it an equally effective tool for those who would enjoy learning the language on their own. The set is designed for a two semester course at the introductory level. This second edition incorporates the authorsA[aa[ improvements and corrections gathered from usersA[aa[ commentary. Those who are currently using the first edition will find this update valuable, those who are seeking a Greek language text will find Greek: An Intensive Course one of the most complete and accessible books on the market.Hansen, Hardy is the author of 'Greek An Intensive Course' with ISBN 9780823211807 and ISBN 0823211800.
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text:
McDonald's could order up higher prices soon for its fast food menu.
The timing hasn't been specified, but the Oak Brook-based company expects to raise prices for a second time this year, the Chicago Tribune reports.
The price hike will help the chain cope with an expected 4 percent increase for restaurant staples like bread, cheese and beef. Still, McDonald's plans to trail the prices of its fast food competitors and monitor price hikes at grocery stores, chief financial officer Pete Bensen said.
One analyst told the paper McDonald's is well-positioned to handle the "margin pressure" since it has leverage with suppliers and a strong marketing strategy.
Job seekers packed Chicago-area franchises.
Published at 7:16 AM CDT on Apr 22, 2011 | Updated at 7:28 AM CDT on Apr 22, 2011


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What do all you adults and solos first do when you arrive in WDW? What is your average stay? Where ydo you stay? MELISSA
Every year, for about the past 7 years, myself and 2 of my friends travel to WDW. We started out doing about 4 nights at All Star. Now, we are going this year, 7 nights at WL. We have progressed! We usually will go to DTD, or do a tour of the resorts. Yeah, it's basic, and what alot of people on these boards do, but hey, it works for us! Just a suggestion (we will be doing this when we go this September)... maybe P.I. or Boardwalk for the night, depending on how tired you are. Jellyrolls is a blast at the Boardwalk.
Hi Melika77, I'm staying at the All-Star Movies and plan to go to Animal Kingdom on my first day. I don't plan on doing any of the sifaris. Going to see some of the show and do some rides.
I always go the first week of January, when the public schools are usually back in session, but I teach at a private school which is still out. I call it my mental health retreat, and POR is my mental health retreat hotel. I usually stay 3 nites, but next year DH agreed I could go 4. Last time I did something new first that I think I'm going to do every trip-as soon as I check in, run out to the bus stop and just get on the first bus wherever it's going. It reminds me that I'm truly on vacation. But I've got to admit that after that first bus ride, most other minutes are planned (but subject to change!).
I always have to go to the Magic Kingdom. I just don't feel that I am at Disney until I walk down Main Street, say hi to Walt and Micket and block traffic while I stare at the castle and let the magic take over...Ahhhh, to only be there now...l
This year we're spending our first night at ASmu and then transferring to the GF for 8 nights. It's a splurge but its a special present for my BF - he's finally graduating after many years. Our first day we're going to go to disneyquest in the morning then over to epcot - I must see spaceship earth the first day! We'll finish with a late dinner at Artist Point.
I often arrive very late on Friday night. Coming from Phoenix and loosing two to three hours on the trip, I have to say that by the time I get to the resort, even PI just about closed. I've stayed at all the moderate resorts. My favorite is PO-FQ. I've stayed there 5 times. Now, however, my future trips will be at the DVC resorts. I joined DVC in Feb and have points at OKW and WL. Most of my stays are for 9 nights. I can take one week off from work and add the two weekends and get more vacations in that way. I've been going about twice to three times a year for about the last 5 years.
This year I hope to do e-night (if I'm lucky enough to get a ticket). Otherwise, I'll go to Downtown Disney or MGM. Normally, I will go right to MK (if not an early-entry day).
My next solo in September will go something like this. Prepacked Thursday evening, get home from work Friday around 5 then right to bed. Up at 1 am quick shower and on I-75 by 1:30a. Between my house in Cincinnati and WDW property there is 1 traffic light. (Not including very fast gas stops) Drive time a smidge under 13 hours. With the current codes I added 2 days to the front at WL. I have never stayed there why not. Then on Monday it is off to ASMu for 12 more nights. ASMu is my solo resort of choice. Room is big enough for one with a bed working AC a shower and a TV. I like having outside room access if I need to run down to the parking lot late at night I can just stay in my Pizza eating TV watching 92 degrees in the park today relaxing clothes and not scare a bunch of people walking through a lobby. First real thing I attempt every visit will be early evening over at MK. First attraction is POC maybe a few times (more likely 8-10) until I have just enough time to go on JC hopefully last boat out. JC at night IMHO is a lot more fun then during the daytime I hope you will give it a try. That will pretty much fry my brain for the first day. Nighty night everybody remember EE tomorrow. RussH
Hi! I usually arrive after a sleepless night _ it takes about 8 hours for me to get to Miami and then I have to change planes to go to Orlando airport. I often get to the resort around 10 AM, more like a zombie than a real person. My face must look really scary because, so far, I have always managed to get an early check in. Then I drop my bags in the room, take a shower and leave for MK! I forgot to say that I usually arrive on saturdays. Yes! I tackle MK at 11AM, on a saturday. I go there just to feel that I am in WDW, walking up and down main street. It is incredible! I usually stay at the park just a little, eat something and go back to my resort and drop like a dead thing for 2 or 3 hours. When I awake, I like to go to DD. On my last trip, me and my sister went to the movies and it was kind of relaxing. Because of the distance and the costs of the air fare, I always try to stay for 10 days to 15 days, regardless of being solo, with my sister or with the kids. AS a solo, I believe that the As is very adequate, but as my stays are long, I like to split them between 2 resorts (again I do that with or without kids) and get pampered in a deluxe for a few days too.


text:
As a joint disease, osteoarthritis theoretically can affect any joint in the body. But it tends to be somewhat predictable, typically affecting just a handful of major weight-bearing joints including the knee, the hand, the hip, and the spine. How does osteoarthritis develop and manifest itself in these areas
- Knee. This is a very common place to develop osteoarthritis that, unfortunately, can have major ramifications for a person's mobility. People with osteoarthritis of the knee may have difficulty walking without pain and may ultimately get around less and less. While exercise is encouraged, you should avoid activities that make the discomfort worse, such as running. You also may be advised to ice your knee several times a day, or alternate heat and cold. Physical therapy is often a great help.
- Hand. Osteoarthritis of the hand is said to afflict most women at some point in their lives. An overgrowth of bone occurs in the joints closest to the fingertips, causing pain, swelling and redness. Writing or working on the computer may be difficult. Arthritis can also occur at the base of the thumb. Your physician may prescribe oral medications, inject able anesthetics, a split worn on the affected joint, or a combination.
- Hip. Like other forms of arthritis, hip osteoarthritis in older people commonly occurs because of wear and tear over the years. It causes pain not only in the hip but in the groin and the knee, and can make walking, crossing your legs, or tying your shoes an ordeal. Your doctor may advise rest following overuse, as well as an exercise program such as swimming or cycling to keep your hip mobile. You may also be advised to lose weight if you're overweight.
- Spine. Wear and tear in the small joints of the upper and lower spine can lead to pain that runs down into the buttocks, thighs or pelvis. You may also have pain in the neck and back and difficulty bending over. As with other types of arthritis, a gentle exercise program, physical therapy, and medications are often prescribed as treatment.
While the knee, hand, hip, and spine are the usual problems spots for arthritis, it certainly is possible to have arthritis in other places. Less common spots are the ankle, foot, toe, elbow, and shoulder.
Brigham and Womens Hospital, www.brighamandwomens.org;
American Academy of Orthopaedic Surgeons, http://orthoinfo.aaos.org;


text:
eletrical help
Need some ideas on what may be wrong with my yj. Driving down the road and lost all elctrical. Can't really look at it right now as I am sitting.g on the side of a busy road in work clothes waiting on a tow.
Well..if it was running and just shutdown ....and Im thinking there is no sign of power...I'd look at the main power fuse/breaker under the hood and if that checks out okay...then turn ur attention to the bulkhead plug/connection on the firewall right below the break master cylinder ...a comin problem with the early Yj's and Cj's ....
Hope this helps. |
The problem might be more basic. I would start by checking for clean and tight connections at the battery posts and at the ends of the positve and negative power cables.
If the cable and posts are good along with the fuses mentioned in the above post, provide additional information on the power loss. |
If the battery took a bump it would continue to run off the alternator and if the alternator died ...it would continue to run on the battery ...but of course ..it never herts to look it over..
Well I got it running. Bad fuse. Hey y'all thanks for the help.
No problem ...glad you got the ol boy runnin again ...make sure to carry extra fuses ...
Hopefully its not an early sign of a pesky Gremlin ... |
For sure. This old things does what I want but it has its quirks. Don't need to add gremlins to the mix. I saw the movie and that didnt go well :-)
Put dielectric grease on all your electrical conditions ...that'll help big time.. hopefully we'll see you Saturday .. |
God willing and the creek don't rise and the gremlins stay away. I should be there
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Hijinks and spyjinks lighten this effective comedy by Richard Murphy, based -- very loosely -- on an actual incident in World War II. The place is somewhere in the Pacific and the not-so-good ship USS Echo, captained by the comic Lt. Rip Crandall (Jack Lemmon), has a very specific assignment. The floating anachronism has to safely carry an Australian spy deep into enemy territory...more
All The Wackiest Ship in the Army cast + crew photos


text:
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text:
Chief Rodney Monroe had some other interesting things to say, in addition to spilling the beans about the Ritz-Carlton-EpiCentre noise issue.
After giving a short presentation Monday to the Charlotte-Mecklenburg Planning Commission, planning commissioner Nina Lipton asked the Charlotte-Mecklenburg police chief whether he had any data on safety in gated versus nongated communities.
"We looked at that," Monroe said. The police and planning departments matched up communities as closely as they could, looking at income levels, multi-family, single-family and other factors. In terms of crime rates, Monroe said, "We saw no difference."
What matters in terms of neighborhood safety, he said, is who's living there: Are residents looking out for their neighbors? Are they taking responsibility? If it's a rental community, is there professional management? Are renters being screened for criminal records?
Lipton noted that planners often hear "safety" as a reason to avoid following the city's connectivity standards. Monroe essentially shot down that rationale for gated communities. Just making a development gated doesn't make it safer, he said. "Sometimes it creates an opportunity for me to charge you more."
I asked Planning Director Debra Campbell after the meeting for a copy or a link to the study. She said the department was still looking at the methodology to make sure, as she put it, that they were really looking at "apples to apples" comparisons. She said the topic had been a hot one last winter and spring but with the development market so slow the department hadn't seen any reason to rush to give the information to the City Council. (If I were on the council I might ask them for it again.)
Indeed, I wrote a column about that very topic on Feb. 28, after City Council twice winked at its adopted policies on connectivity, despite planning staff opposition. That column isn't available online for a link. (Update: CharlotteObserver.com's fabulous Dave Enna found it. Here's link.) But it described a a Feb. 16 rezoning for a gated apartment complex near Arrowood Road. The other was a Nov. 17, 2008, rezoning for 300 apartments on Woodlawn Road that didn't want the city-desired connecting street. (That development isn't happening; the Charlotte Housing Authority hopes to put a development there.) Not surprisingly, neighbors near both of those proposed developments didn't want more traffic on their streets. Neighbors aren't always right, you know. As I wrote in February, "Facing a double-whammy of developers and neighbors against connectivity, council members' spines tend to take on a jelly-like consistency."
Tuesday, December 08, 2009
Study: 'Gated' doesn't equal 'safer'
45 comments:
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
If a group wishes to gate themselves in, then the cordoning off should be total. Once the gate goes up to keep out the undesirables, then that gate should also serve to keep out police, garbage trucks, firetrucks, school busses, mail trucks, etc. The residents should only have physical contact with the outside world in an area outside of their compound. The knife cuts both ways folks.
- Anonymous said...
Sounds like you had Campbell on the ropes: 'She said the topic had been a hot one last winter and spring but with the development market so slow the department hadn't seen any reason to rush to give the information to the City Council.'
Funny - I suppose I see this a little differently: Now that the development market IS so slow - it's the PERFECT time to look into these policies. When it's busy, they're too busy to look into things....and certainly too busy to make changes. Yet, when it's slow, there's no rush. Talk about a knife cutting both ways.
Seems to me planning should be working harder than they ever have before. What can come out of it – desperately needed change to a very corrupt system….oh my?!
Thanks Nina Lipton. - 12/08/2009 02:00:00 PM
- Louie said...
Having a Planning degree myself, it's been well known for many years that gated communities have the same crime rates as their non-gated neighbors. They simply give their residents a "sense" of safety.
I keep hoping that if anything comes of this recession, that Charlotte will become a bit more laid back, down to earth, and perhaps grow a bit smarter. I guess we'll see! - 12/08/2009 02:34:00 PM
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
So Mary, please differentiate between the types of gated communities you're talking about, or does the study encompass both kinds: (1) gated communities such as apartments and condos where regular people live; and (2) the elitist snob gated communities, such as the ones on Colony Road.
- Anonymous said...
The knife cuts both ways folks.
Amazing amount of ignorance on display. I garuntee you, just one of these homeowners pays more in taxes in a month than you do in a year. - 12/08/2009 02:50:00 PM
- Ghoul said...
Anonymous said...
If a group wishes to gate themselves in, then the cordoning off should be total. Once the gate goes up to keep out the undesirables, then that gate should also serve to keep out police, garbage trucks, firetrucks, school busses, mail trucks, etc. The residents should only have physical contact with the outside world in an area outside of their compound. The knife cuts both ways folks.
As long as they don't have to pay taxes, I think they would go for it. - 12/08/2009 02:54:00 PM
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
If I could afford to live in a gated community I would. So would all of you other wantabes.
- Anonymous said...
If private property owners wish to live in a gated community, that should be entirely their business. A city/county zoning board should have no say in the matter, unless public property is affected. Some us still believe in private property rights.
- Anonymous said...
I live in a gated community in SC (River Hills in Lake Wylie- in a cul-de-sac). I believe our neighborhood is safer than ungated communities. I lived in Charlotte for 35+ years in Myers Park for reference.
Ifeel safer because I am. We have a security letter that is sent out each month with all the reports. Almost ZERO crime. Some small petty stuff (some unruly teenagers). The only thefts are off the docks and that is rare.
We maintain our own roads, water and sewer along with the landscaping. We have our own ambulance service and have armed guards at the entrances/exists at all times.
Sure, someone could come into the neighborhood and do any a number of things, but why go through the trouble when there a so many other neighborhoods with easy access (did I mention your car and tag get photographed upon entry?)
All this and it costs me the same monthly as what I was paying to live in Charlotte in a smaller house. So enjoy your city and I'll enjoy my fresh air, friends and good times.
BTW, we still pay taxes so why shouldn't we get the services as others who pay taxes (and usually less than we do)
Having a planning degree means you were taught by people who like to push that type of crap. They probabaly also taught you about Global Warming! LMAO
Instead of being envious of people living where they want, you should use that energy in a more productive way.
Engineer - 12/08/2009 03:17:00 PM
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
Silly GOP mean guy.
Is that better ? - 12/08/2009 03:53:00 PM
- Mia said...
You know I have lived in gated communities, general sub-divisions and openly connected neighborhoods and I have to say unequivocally that I like the connected neighborhoods better. You live in a community and it makes getting around your area of town easy for both you and everyone else. Also, connectivity exposes you to other neighborhoods instead of sequestering yourself and your family in a homogenous and closed area. Lastly, everyone pays for these roads and they should be available to everyone. Areas with good connectivity often have less general traffic because everyone is not feeding into one thoroughfare. If people want to be sequestered, it is their right. However, they should pay considerably more for this since the benefit becomes only theirs and not everyone's.
- Anonymous said...
Hey Engineer, I have a gate on my community, which is my front and back yard. It is locked unless I am in it. I do all the maintenance and upkeep. I pay taxes. I have a job. I could live at Lake Wylie but do not choose to. Go flaunt your elitist crapola somewhere else.
- J said...
Gated communities have their pluses and minuses. I don't begrudge anyone who wants to live in one. I doubt seriously that there is a substantial difference in crime rates, but if it's purely personal preference to live in one, that's fine with me.
Campbell always has an excuse for why something isn't, or can't be, done. She's as perfect a replication of Wally from the Dilbert comics as I've ever seen.
So my question is, has anyone ever seen Debra Campbell do any actual work? - 12/08/2009 04:18:00 PM
- Anonymous said...
To Mia,
I have no problems getting around my gated community or the surrounding neighborhoods. We have friends from school, church and other activities that we meet and become friends with people outside our gated neighborhood. We even have friends from before we moved into the neighborhood that still visit!!
Did I mention the pools, tennis courts, boat access, marina, walking trails, Clubhouse, trees, flowers, well kept yards/common areas and golf course?
You can use our roads- just have to ask for entry first- as I said, we pay for our own roads, water, garbage and sewer services.
If you dislike a gated community, why would you want to drive on their roads anyway? People pay taxes for many things they do not use- why pick on a few roads?
Like you said, let people live where they like.
BTW, the argument on getting sewer services "way out there", where is the Wastewater Treatment plant the center city sends there waste to? Remember wastes flows to the plants (and they are not located downtown)
Engineer - 12/08/2009 04:21:00 PM
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
- This comment has been removed by a blog administrator.
- Anonymous said...
Meant to write- I was just showing what you can get in our gated community (in SC)for the same cost of living in the great liberal community of Charlotte.
Less crime and a whole bunch more. Don't hate me because I found happiness on where I live. Maybe you should do the same?
Engineer - 12/08/2009 04:28:00 PM
- Anonymous said...
Removing posts that show how idiotic some peoples arguements are?
How liberal of you.
Engineer - 12/08/2009 04:30:00 PM
- Anonymous said...
Interested to see the study to compare specific crimes ( murder, B & E, etc.) not just a general crime rate.
If what you get in a gated community is mostly car breakins or home burglary versus violent crime...there is a big difference in how people may perceive "safety." - 12/08/2009 04:34:00 PM
- consultant said...
Who's the number one gated city in America?
I would think Miami is at the top. Driving around some of their neighborhoods, I feel like I'm in the vicinity of some deposed dictator (probably am). Compounds, tall gates and discreet security guards all over the place.
All of this gating off of entire blocks and housing communities destroys any sense of "community". It chops up streets and makes people take crazy zig-zag routes to get from point A to point B. Developers don't care; they don't live there. But the city council and the mayor should.
I know some people don't want that. They don't want the guvment to decide such matters, which is why I wish "they" would go live in Gitmo, or go way up into the mountains and find a cave to take up residence in.
Here in metro Atlanta, if the developer builds a gated community, streets, lights and everything else are PRIVATE.
Over the last decade, some homeowners who have bought into these gated subdivisions were not told that, or ignored it, until it was time to fix something they assumed the city/county was responsible for.
Man, do those people know how to shout. To no avail though.
You bought into privacy, now you've got to pay for that privacy. - 12/08/2009 04:44:00 PM
- Mary Newsom said...
The study looked at "Part 1" crimes - a category of violent crimes in FBI reports, Monroe said. I.e, burglary, robbery, rape, etc. It didn't look at white-collar crimes such as stock fraud, insider trading, etc.
And to answer an earlier question: The study compared gated apartment complexes, single-family developments with others, trying to match by price point as well as size of development. - 12/08/2009 04:46:00 PM
- Anonymous said...
Gates may not make you safer, but being heavily armed does.
- consultant said...
"It didn't look at white-collar crimes such as stock fraud, insider trading, etc."
If you go in that direction, some of our high-income gated communities are cesspools of crime. Crime is around every corner. In every Range Rover, leaking around the cabanas and spas.
The gates in those places are to keep the police and legal subpoenas out. - 12/08/2009 04:56:00 PM
- Anonymous said...
what was the purpose of Nina Lipton asking that question?
- Anonymous said...
ah, consultant, then we should all be equally afraid of Al Gore's carbon credit company and the millions he stands to make from defrauding us. You're right, we should be fearful!
Perhaps if we all lived in Thomas Friedman's house he might stop he incessant preaching and live like a regular guy... - 12/08/2009 05:10:00 PM
- consultant said...
Anonymous "05:10:00 PM"
What?? - 12/08/2009 05:58:00 PM
- Jumper said...
Yes, the gated communities help ensure you are only required to interact with the better sort of criminals.
Seriously, I can think of some valid reasons for living in such. It's those who don't have any such reasons that are open to ridicule. I don't see it as a large issue, although the fire department has connectivity issues that are real and have to do with real mortality issues. - 12/08/2009 06:24:00 PM
- rick b said...
I'm glad that "engineer" brought up River Hills as an example of Gated Safety...fifteen years ago there was a particularly nasty double-stabbing homicide by a family member right there in purty ol' River Hills. Shook up them eeee-leeet-ist folks quite a bit!
In fact, cases of major crimes taking place "behind the gates" are very common. Frequently, a "moving van" has been known to enter a gated subdivision, back up to a house whose owners are away, and clean the whole place out. The illusion of security makes the neighbors lower their guard, and not question such a truck because "if he got past the gate, he must belong here".
Whether it is gate codes, transponders, or other weak links in the security system, professionals can find ways around these measures and choose the gated communities to rob - because professionals know that "that's where the good stuff is". Guards such as the River Hills Posse are more effective, but are very expensive and are a feature of only a small percentage of gated communities.
In our town, we do not permit gated subdivisions. There are several public-purpose reasons, not the least of which is the road maintenence problem that often crops up with these compounds. After a while, the HOA charges keep going up and the residents start getting antsy about the cost and before you know it, they're coming after the taxpayers to pick up the tab for them. Consultant touched on that problem.
No, in our town it's DOT-approved, DOT-maintained streets.
Also, our town recently held a crime workshop with the Union County Sheriff and several community-policing deputies. Their findings concurred: gated neighborhoods are, at best, only marginally safer than open neighborhoods. The only "crimes" that show any sort of reduction behind the gates are the most minor vandalism problems.
A developer in our town is building a small, very high-dollar neighborhood. He's truly one of the rare "good guys" among developers, and he will be living in the subdivision along with several family mambers. He went in knowing about the no-gate rule and was fine with it; each driveway or pair of driveways inside the subdivision has gates on them, but the main entrance to the subdivision is open. He has had some concerns about trash dumping and loitering while there are no occupied homes in the neighborhood, but we have worked with the Sheriff's Office to get random patrols. Although the subdivision is just barely started, there are several residents of neighboring homes who can clearly see the subdivision entrance; one of them actually saw a trash-dumper entering late at night and didn't call 911. Our sheriff has emphasized that residents should call with any problem or suspicious person/vehicle, no matter how minor. We are fortunte that our Sheriff's Department isn't as burdened as the busy CMPD, so our deputies actually expect to respond to such calls.
I find a city or town that is cut up into little enclaves of gated privilege to be a city or town that will have a hard time building a sense of community. And it is a sense of community - not police or gates - that provides the greatest safety to the citizens. Neighborhood watch organizations are better than gates or additional police. It's time for citizens to realize that public safety starts with them, not with law enforcement and not with barricades. - 12/08/2009 06:27:00 PM
- JDC said...
A gated neighborhood will always be safer than a traditional development.
For starters, you don't have door-to-door solicitors walking around day and night, pretending to be raising donations for a crippled-children's soccer team. In actuality they may be casing your cars and houses, figuring out who is home or not and when.
According to the Constitution (see legal cases involving "Green River Ordinances", we all have first amendment rights along public streets. The only way to impede them is to place a "No Trespassing" sign at the end of your driveway. If they ignore it, you have pretty good grounds to get them locked up. But that still doesn't prevent them from walking along the sidewalk ans casing out your house.
I live in a non-gated neighborhood near SouthPark Mall. We have an active crime watch program. Neighbors are not shy about calling police whenever they see anything unusual - no matter how trivial it may seem.
The police show up. They want to be notified. That's why I'm paying taxes.
We haven't had a break-in, car theft, vandalism or other "outside-initiated" crime or disturbance crime since instituting this program with the police several years ago. - 12/08/2009 07:14:00 PM
- Anonymous said...
Anonymous "05:10:00 PM"
What????? There is no debate on Global warming. There are plenty of researchers that do not go along with the kool aid drinkers. - 12/09/2009 12:39:00 AM
- Anonymous said...
Yeah, a handful "plenty" of GOP losers that disagree.
Compared to thousands of scientists around the world. Even if you don't believe in it Bozo, surely you can agree that less pollution is always a better thing. Whether it effects the Earths temperature or not. - 12/09/2009 08:29:00 AM
- Anonymous said...
I like my neighbors. I like meeting new people outside of my comfort-zone. It makes me realize that I am not as big as I think I am sometimes. I'll trade off the perception of "crime" for a more broad world-view any day.
- Anonymous said...
I think it depends on the community.
My parents lived in a gated community in south Florida that was for 55 and older.
Anyone who was younger than that was scrutinized. I had a hard time getting in once when my parents forgot to call my name in. I had to pull to the side and wait until they could call them and verify I was visiting.
To my knowledge, they had very little crime; mostly from kids jumping the back fence where trees hid them from security. Most were caught and prosecuted.
Even pizza delivery was verified.
I felt they were safer there ( since retirees are the prey of choice for south Florida punks) than when they moved to Boynton and the community had no gate. Again, it was for 55 and older but they had many incidents where kids roamed freely and robbed several homes ( snowbirds who were away in the summer ).
I don't begrudge anyone living in a gated community. That is just class warfare or envy. "Sense of community" sounds more like a buzzword to complain about how someone else is living.
I don't feel a sense of community with Myers Park because i don't livve there. Nor do I get that from Mint Hill.
I do have great neighbors because I've gotten to know them and they all care about what happens in our neighborhood. I guess you might call that a sense of community for a few streets but no Charlotte as a whole. - 12/10/2009 09:33:00 AM
- consultant said...
"I do have great neighbors because I've gotten to know them and they all care about what happens in our neighborhood."
Well, that's what we mean by "community".
Community has nothing to do with inclusion or exclusion. It has more to do with a knowledge of and sense of attachment to a place, whether you live there or not.
There are places you can go in this country that upon arriving you feel like, "hey, I could hang out here for a while." They feel homey.
We have enough history in this country to know what these places look like. Some are small, a block or two, others encompass entire neighborhoods.
Go to any place (city, suburb, etc.) and ask residents, where do people like to hang out, just because it's a cool, nice, interesting, comfortable or useful area? The answers will vary but there will also be a surprising number of common responses.
Those "common" responses are areas of "community" in your area. - 12/10/2009 04:07:00 PM
- JDC said...
Wouldn't Chief Monroe have a self-serving interest in wishfully thinking that gated Charlotte nieghborhoods are not necessarily safer?
If all Charlotte neighborhoods were gated, and had their own security force, would you need Chief Monroe? Yes, you'd still need some men in blue, but probably not nearly as many.
The fact the planning director was reluctant to release the study for independent review and analysis hints that maybe someone was blowing smoke. - 12/13/2009 12:13:00 PM
- Eman said...
People are entitled to live in whatever type of community or neighborhood that they want.
This 'study' is a complete crock. Gated communities ARE safer as the gate and better security, ofted stationed at the front gate, keeps out a lot of the criminal riff-raf. - 12/15/2009 02:09:00 AM
- Anonymous said...
Mary, congratulations on the new baby!!
I say that because you haven't posted anything new here as of December 8, so obviously you are on maternity leave.
(Not even Wall Street types or Obama get that much vacation time at this time of year). - 12/29/2009 08:31:00 AM
- Anonymous said...
Or maybe she was laid off.
- consultant said...
Happy Holidays & a new year to everyone!!
- consultant said...
Here's hoping "you know who" got civic books for Xmas.
There will be a test on how to improve our urban areas after Mary returns.
Happy new year everyone! - 12/30/2009 01:47:00 PM
- Anonymous said...
"To preserve our independence, we must not let our rulers load us with perpetual debt" Thomas Jefferson


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From | "Earwin Burrfoot" <ear...@gmail.com> |
Subject | PhraseQuery with non-strict offsets |
Date | Wed, 03 Dec 2008 12:03:53 GMT |
Not sure if this belongs to java-dev or java-user, correct me if I'm wrong. I need a variation of PhraseQuery for which position difference between adjacent terms shouldn't match exactly, but in equals-or-less fashion. Example: "a+1 b+1 c+3" should match a b c, a b e c, a b e e c should not match a e b c, a b e e e c Has anyone written/seen something like this, or has an advice on how to hack stock PhraseQuery to support this? setSlop fails obviously, because i need strict distance between one pair of terms, and sloppy between other pair, also i do not need reorderings. I could use a big bunch of SpanNear+SpanTerm queries, but is somewhat reluctant to do this, conversion code will get real ugly, and I'm not sure about speed. -- Kirill Zakharenko/Кирилл Захаренко (email@example.com) Home / Mobile: +7 (495) 683-567-4 / +7 (903) 5-888-423 ICQ: 104465785 | |
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