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Last Updated: June 6, 2018
This Privacy Policy ("Policy") describes and governs the information collection, use, and sharing practices of It's Humanity Foundation. ("It's Humanity Foundation," "IHF," "we," "us," and "our") with respect to your use of It's Humanity Foundation websites, products, tools, promotions, and any other services that reference this Policy (collectively, the "Services"). Before you use or submit any information through or in connection with the Services, please carefully review this Policy. By using any part of the Services, regardless of how you access the Services, you consent to the collection, use, and disclosure of your information as further outlined in this Policy.IF YOU DO NOT AGREE TO THIS POLICY, PLEASE DO NOT USE THE SERVICES. We will continue to evaluate this Policy as we update and expand the Services and our offerings, and we may make changes to the Policy accordingly. Any changes will be posted here and you should check this page periodically for updates. If we make material changes to this Policy, we will provide you with notice as required by law. Your continued use of the Services will signify acceptance of the terms of the updated Policy. Undefined capitalized terms used herein shall have the definitions as set forth in our Terms of Use.
1. Information We Collect
We collect information in multiple ways, including when you provide information directly to us, and when we passively collect information from you, such as from your browser or device.
1. Information You Provide Directly To Us
We may collect information from you in a variety of ways, such as when you:
Register for an account;
Complete your Member profile;
Donate to a Campaign;
Create a Campaign;
Fill out a survey or provide us with Feedback;
Request certain features (e.g., newsletters, updates, and other
Use certain features that require your information to function (e.g.,
portions of our Services that require log-in to participate);
Communicate with us; or
Post User Content, including comments, to or on any of our Services.
The information you provide directly to us may include, but is not limited to:
- name;
- email address;
- mailing address;
- phone number;
- birthdate;
- workplace information;
- photographs and audio/video content; and
- financial information, including information needed to verify your identity.
Our Services may include Campaign boards, chat rooms, forums, message boards, news groups and other community tools that are publicly visible to other Members and users. Please be considerate and respectful of others while using the community to share your opinions. We reserve the right, but do not have the obligation, to review and monitor such postings or any other content on our Services, and to remove postings or content that may be viewed as inappropriate or offensive to others.
2. Information that is Passively or Automatically Collected
1. Device/Usage Information
We may automatically collect certain information about the computer or devices (including mobile devices or tablets) you use to access the Services. As described further below, we may collect and analyze information such as
(a) IP addresses, geolocation information, unique device identifiers, IMEI and TCP/IP address, and other information about your computer or device (s), browser types, browser language, operating system, mobile device carrier information, the state or country from which you accessed the Services; and
(b) information related to the ways in which you interact with the Services, such as: referring and exit web pages and URLs, platform type, the number of clicks, domain names, landing pages, pages and content viewed and the order of those pages, statistical information about the use of the Services, the amount of time spent on particular pages, the date and time you used the Services, the frequency of your use of the Services, error logs, and other similar information. As described further below, we may use third-party analytics providers and technologies, including cookies and similar tools, to assist in collecting this information. 2. Cookies and Other Electronic Technologies We may also collect data about your use of the Services through the use of Internet server logs, cookies and/or tracking pixels. A web server log is a file where website activity is stored. A cookie is a small text file that is placed on your computer when you visit a website, that enables us to:
(i) recognize your computer;
(ii) store your preferences and settings;
(iii) understand the web pages of the Services you have visited;
(iv) enhance your user experience by delivering content and advertisements
specific to your inferred interests;
(v) perform searches and analytics;
(vi) assist with security administrative functions. Some cookies are placed in your browser cache while those associated with Flash technologies are stored with your Adobe Flash Player files. Tracking pixels (sometimes referred to as web beacons or clear GIFs) are tiny electronic tags with a unique identifier embedded in websites, online ads and/or email, and that are designed to provide usage information like ad impressions or clicks, measure popularity of the Services and associated advertising, and to access user cookies. We also may include Web beacons in email messages, newsletters and other electronic communications to determine whether the message has been opened and for other analytics, personalization and advertising. As we adopt additional technologies, we may also gather additional information through other methods. Please note that you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the "Help" section of your browser for more information (e.g., Internet Explorer; Google Chrome; Mozilla Firefox; or Apple Safari). You can also manage the use of Flash technologies, including cookies and local storage objects with the Flash management tools available at Adobe#39;s website. Please note that by blocking any or all cookies, you may not have access to certain features or offerings of the Services.
3. Location Information
We may collect different types of information about your location, including general information (e.g., IP address, zip code) and more specific information (e.g., GPS-based functionality on mobile devices used to access the Services), and may use that information to customize the Services with location-based information and features. We may use such information to improve the Services, including providing you with location-based features (e.g. to identify Campaigns that may interest
you). To deliver customized content and advertising, we may share your location information with our agents, vendors, or advertisers. If you access the Services through a mobile device and you do not want your device to provide us with location-tracking information, you can disable the GPS or other location-tracking functions on your device, provided your device allows you to do this. See your device manufacturer's instructions for further details. If you disable certain functions, you may be unable to use certain parts of the Services.
4. Information from Social Networking Sites and Other Third Parties We may collect information about you or others through our affiliates or through non-affiliated third parties. For example, you may be able to access the Services through a social networking account, such as Facebook. If you access the Services through your Services account, you may allow us to have access to certain information in your Services profile. This may include your name, profile picture, gender, networks,
user IDs, list of friends, location, date of birth, email address, photos, videos, people you follow and/or who follow you, and/or your posts or "likes." Social networking sites, such as Facebook, have their own policies for handling your information. For a description of how these sites may use and disclose your information, including any information you make public, please consult the sites' privacy policies. We have no control over how any third-party site uses or discloses the personal information it collects about you. We may also collect information about you or others through non-affiliated third parties. For example, to the extent permitted by law, we may, in our sole discretion, ask for and collect supplemental information from third parties, such as information about your organization's history, information to verify your identity or trustworthiness, or for other fraud or safety protection purposes. We may combine information that we collect from you through the Services with information that we obtain from such third parties and information derived from any other products or services we provide.
2. Collection of information across personal devices Sometimes we (or our service providers) may use the information we collect – for instance, log-in credentials, IP addresses, hashed email addresses, and unique mobile device identifiers – to locate or try to locate the same unique users across multiple browsers or devices (such as smartphones, tablets, or computers), or work with providers that do this, in order to better tailor content, features, and advertising, and provide you with a seamless experience across the devices you use to access the Services.
2. How We Use Your Information We may use the information we collect from and about you for the following purposes:
- For the purposes for which you provided it;
- To recognize and authenticate you on the Services;
- To initiate or to provide the features, services and products available through
the Services;
- To send you information about your relationship or transactions with us, account
alerts, or other communications, such as newsletters to which you have
- To contact you with information, surveys, or Campaigns that we believe may be
of interest to you both regarding our products and Services and those of third
- To process and respond to your inquiries or to request your Feedback;
For internal research and reporting;
- To improve the content and features of the Services or develop new Services;
- To personalize the content and advertising that you see on the Services or on
other websites;
- For internal recruiting purposes;
With your consent, to call or send you SMS messages regarding your
relationship with us or offers or services that may interest you;
enforce the legal terms that govern your use of the Services; and
To administer and troubleshoot the Services.
Please note that we may combine information that we collect from you and about you (including automatically-collected information) with information we obtain about you from our affiliates and/or non-affiliated third parties, and use such combined information in accordance with this Policy. We may aggregate and/or de-identify information collected through the Services. We may use de-identified and/or aggregated data for any purpose, including without limitation for research and marketing purposes, and may also share such data with any third parties, including advertisers, promotional partners, Campaign Organizers, and/or others.
2. When We Disclose Your Information We may disclose and/or share your information to or with any non-affiliated third parties under the following circumstances:
- Consent. We may disclose your information to any third parties based on your consent to do so.
- Service Providers. We may provide access to or share your information with
select third parties who perform services on our behalf, including without
limitation marketing, market research, customer support, data storage, analysis
and processing, and legal services.
o Protection of It's Humanity Foundation and Others. You acknowledge, consent, and agree that It's Humanity Foundation may access, preserve, and disclose
your information and/or any User Content you submit or make available for inclusion on the Services, if required to do so by law or in a good faith belief that
such access, preservation, or disclosure is permitted by It's Humanity Foundation's Privacy Policy or reasonably necessary or appropriate for any of
the following reasons:
(1) to comply with legal process;
(2) to enforce these
Terms, our Policy, or other contracts with you, including investigation of potential violations thereof;
(3) to respond to claims that any content violates the rights of third parties;
(4) to respond to your requests for customer service; and/or
(5) to protect the rights, property, or personal safety of It's Humanity Foundation, its agents and affiliates, its users, and the public. This includes exchanging information with other companies and organizations for fraud protection, and spam/malware prevention, and similar purposes. o Business Transfers. As we continue to develop our business, we may buy, merge or partner with other companies. In such transactions, (including in contemplation of such transactions, e.g., due diligence) user information may be among the transferred assets. If a portion or all of It's Humanity Foundation's assets are sold or transferred to a third-party, customer information (including your email address) would likely be one of the transferred business assets. o Campaigns and Public Forums. Campaigns on our Services may be publicly- accessible. We may also offer community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. Please also remember that if you choose to provide information on such features of the Services, individuals reading such information may use or disclose it to other individuals or entities without our control and without your knowledge, and search engines may index that
information. We therefore urge you to think carefully about what you choose to disclose through such forums and make sure it's information you want to share
3. Online Analytics and Advertising
1. Analytics
We may use third-party web analytics services (such as those of Google Analytics) on our Services to collect and analyze the information discussed above, and to engage in auditing, research or reporting. The information (including your IP address) collected by various analytics technologies described in the "Cookies and Similar Technologies" section will be disclosed to or collected directly by these service providers, who use the information to evaluate your use of the Services, including by noting the third-party website from which you arrive, analyzing usage trends, assisting with fraud prevention, and providing certain features to you. To prevent Google Analytics from using your information for analytics, you may install the Google Analytics Opt-out Browser Add-on by clicking here. We may also use Adobe Analytics to analyze and optimize the performance of our websites, advertising, and content. To learn more about Adobe's privacy practices and to make choices regarding Adobe's tracking activities, please click here. If you receive email from us, we may use certain analytics tools, such as clear GIFs to capture data such as when you open our message or click on any links or banners our email contains. This data allows us to gauge the effectiveness of our communications and marketing campaigns.
2. Online Advertising
We may use third-party advertising technologies that allow for the delivery of relevant content and advertising on our Services, as well as on other websites you visit. We also work with website analytics and advertising partners, including Google, and Facebook, to deliver It's Humanity Foundation ads on third party publisher websites, and these partners may set cookies on your device's web browser. The ads may be based on various factors such as the content of the page you are visiting, information you enter such as your age and gender, your searches, demographic data, user-generated content, and other information we collect from you. These ads may be based on your current activity or your activity over time and across other websites and online services and may be tailored to your interests. We may also allow other third parties (e.g., ad networks and ad servers such as Google Analytics and others) to serve tailored ads to you on the Services, other sites, and in other applications, and to access their own cookies or other tracking technologies on your computer, mobile phone, or other device you use to access the Services. We may provide our customer information (such as email addresses) to service providers, who may "match" this information in de-identified form to cookies (or mobile ad identifiers) and other proprietary IDs, in order to target or "retarget" you with ads when you visit other websites and mobile applications. (You may opt out of many of these service providers as described in the next paragraph.) We neither have access to, nor does this Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Services by non-affiliated, third-party ad technology, ad servers, ad networks or any other non-affiliated third parties. Those parties that use these technologies may offer you a way to opt out of ad targeting as described below. You may receive tailored advertising on your computer through a web browser. If you are interested in more information about tailored browser advertising and how you can generally control cookies from being put on your computer to deliver tailored advertising, you may visit the Network Advertising Initiative's Consumer Opt-Out link or the Digital Advertising Alliance's Consumer Opt-Out link to opt-out of receiving tailored advertising from companies that participate in those programs. To opt out of Google Analytics for display advertising or customize Google display network ads, you can visit the Google Ads Settings page. Please note that to the extent advertising technology is integrated into the Services, you may still receive advertisements even if you opt-out. In that case, the advertising will not be tailored to your interests. Also, we do not control any of the above opt-out links or whether any particular company chooses to participate in these opt-out programs. We are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms.
2. Notice Concerning Do-Not-Track Signals
Do Not Track ("DNT") is a privacy preference that users can set in certain web browsers. We do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and a common approach to responding to DNT. To learn more about Do Not Track, you can do so here.
3. Accessing and Controlling Your Data
In order to ensure that the information we maintain is accurate, you may access certain of your information and delete, change, or modify that information in accordance with applicable laws by editing your user profile. You must promptly update your user profile if it changes or is inaccurate. Donors may also be provided with an option of anonymizing certain of their information in connection with a donation, such that the information is not publicly available. Please be advised, however, that Donor information will remain visible to It's Humanity Foundation. Upon your request, we will close your Donor account and remove your profile information from view as soon as reasonably possible. Please contact It's Humanity Foundation email@example.com to request closure of your user information. Please be advised that we may retain information from closed accounts to comply with the law, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations of any Member or user, enforce our Terms of Use, and/or for any other purposes otherwise permitted by law that we deem necessary in our sole discretion. Once you transmit User Content through the Services, you may not be able to change or remove it.
4. Consent to Transfer
Our computer systems are currently based in Bangladesh so your personal data will be processed by us in the jurisdiction of Peoples' Republic of Bangladesh. The data protection and privacy regulations in this jurisdiction may not offer the same level of protection as in other parts of the world. By using the Services, you agree to this Policy and you consent to the transfer of all such information to the jurisdiction identified above, which may not offer a level of protection equivalent to that required in the jurisdiction in which you reside, and to the processing of that information as described in this Policy.
5. Children's Privacy
The Services are intended for general audiences and not for children under the age of 13. If we become aware that we have collected personal information (as defined by the Children's Online Privacy Protection Act) from children under the age of 13, we will take reasonable steps to delete it as soon as practicable.
6. Security
We have implemented administrative, technical, and physical security measures to protect against the loss, misuse and/or alteration of your information. These
safeguards vary based on the sensitivity of the information that we collect and store. However, we cannot and do not guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information since despite our efforts, no Internet and/or other electronic transmissions can be completely secure. You may be provided with a password upon creation of your account. We recommend that you immediately change this password and otherwise change your passwords periodically. You are responsible for maintaining the security of your applicable account usernames and passwords. If you believe that your account username and/or password have been stolen or been made known to others, you must contact us immediately at firstname.lastname@example.com. We are not responsible if someone else accesses your user information(s) through information that they have obtained from you.
7. Third-Party Links and Services
The Services may contain links to or "frame" third-party websites, applications and other services (e.g., including websites related to Campaigns). Please be aware that we are not responsible for the privacy practices of such other sites and services. We encourage our users to be aware when they leave our Services and to read the privacy statements of each and every site they visit that collects their information.
8. Questions About this Policy
If you have any questions about our Policy, you can contact us by emailing us email@example.com.


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Saturday Night Live announces May line-up
Award winning actor, writer, director Donald Glover will make his Saturday Night Live debut as host on May 5. Glover, who can next be seen in Solo: A Star Wars Story, due out May 25, has received critical praise for his hit comedy series, Atlanta. Glover will also work double duty as musical guest, performing as Grammy Award winning artist Childish Gambino, who will tour this Fall.
On May 12, Amy Schumer will return for her second time as host. Schumer stars in the upcoming film I Feel Pretty, which will be released April 20.
Kacey Musgraves will join as musical guest for the first time. The singer songwriter's third studio album, "Golden Hour," is her third Number One album on Billboard's Country Album Chart.
Tina Fey returns to "SNL" for the sixth time as host for the season finale on May 19. She wrote the hit Broadway musical adaptation of Mean Girls based off of her original screenplay, currently playing at the August Wilson Theater.
Global superstar Nicki Minaj will return for her third appearance as musical guest. One of the world's best-selling artists, Minaj released "Barbie Tingz" and "Chun-Li."
Saturday Night Live is produced in association with Broadway Video. The creator and executive producer is Lorne Michaels.


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The impact of liquidity on bank profitability: Case of Tunisia (Published)
Liquidity and profitability are two important variables in the banking industry. In this article, we studied. The impact of liquidity on bank profitability in the Tunisian context. We used a sample of 18 banks over the period (2000…2017). We employ 2 models of panel static in the empirical research. We found that (liquid assets / total assets) and (total credits / total deposits) have a positive and significant impact on return on assets (ROA) whereas (current assets / current liabilities) have not significant impact on ROA. Also, we found that (liquid assets / total assets), and (total credits / total deposits) have a negative and significant impact on ROE (return on equity). Whereas (current assets / current liabilities) have not significant impact on ROE.
Keywords: Bank, Liquidity, Profitability, panel
Analysis of cassava production in Akpabuyo Local Government Area: An econometric investigation using farm-level data (Published)
The study analyzed the economics of cassava production in Akpabuyo LGA of Cross River State. Multistage random sampling technique was used to select a sample size of 75 respondents for the study using a validated structured questionnaire. Data analysis was carried out using descriptive statistics, budgetary method and regression analysis. Findings revealed that farm size, labour, the quantity of fertilizer, and gender were the significant factors affecting cassava production in the study area. The coefficients of elasticity showed that a 10% increase in capital, labour, number of bundles and quantity of fertilizer would lead to 0.06, 0.84, 0.03 and 0.85% increase respectively in cassava production while that of farm size will lead to -0.64% decline in cassava production. Total Cost (TC) per hectare of N35,990.4 was incurred in cassava production and a net farm income (NFI) of N39,957.6 was earned and return on naira invested was N2.11. Unfavourable government policies, sparse marketing outlets, inadequate capital, high cost of inputs, insufficient farmland, high cost of transportation and lack of extension services were the severe constraint faced by cassava farmers in the study area. Extension agents should be mobilized and sent to the study area to educate the farmers on the innovation practices available for cassava farming to encourage its production.
Keywords: Production, Profitability, cassava, constraint
Effects of Financial Innovations on the Profitability of Deposit Money Banks in Nigeria (Published)
This study examined the effects of financial innovation on the profitability of deposit money banks in Nigeria. the general purpose of the study was to examine the effect of financial innovation on the profitability while the specific objectives was to examine the effect of automated teller machine, electronic fund transfer, internet banking, mobile banking and investment on information communication technology on return on equity of deposit money banks. The study formulated four hypotheses and used panel data regression to analyze the secondary data extracted from the annual reports and accounts of the fourteen firms for the period 2009 to 2017. Return on equity was the dependent variables while automated teller machine, electronic fund transfer, internet banking, mobile banking and investment on information communication technology on return were the independent variables. Findings of the study revealed that automated teller machine and electronic fund transfer have negative relationship with return on equity while internet banking, mobile banking and investment on information communication technology have positive relationship with return on equity. The study recommends that deposit money banks should adopt financial innovations, deposit money banks invest in technological innovations and banks should transform banking service by adapting to mobile banking and agency banking so that not only to providing jobs but also increase market share.
Keywords: Banks', Deposit, Money, Nigeria, Profitability, financial innovations
Corporate Governance and Profitability of Quoted Oil and Gas Companies in Nigeria (Published)
This study investigated the influence of corporate governance on profitability of quoted oil and gas companies in Nigeria. The ex post facto research design was adopted for the study. The population of the study was made up of the twelve (12) oil and gas companies listed on the Nigerian stock exchange between 2010 and 2018. Ten (10) listed oil and gas companies in Nigeria constituted the sample size for this study. Data required for the study were extracted from the audited financial statements of the quoted oil and gas companies that constituted the sample of this study and analysis of data was carried out using descriptive statistics. Multiple regression and correlation statistics were used in testing the hypothesis postulated. The investigation revealed that a significant positive linear relationship exists between corporate governance and profitability of quoted oil and gas companies in Nigeria and that board independence, board size and board meetings accounts for 3.2 percent, 21.9 percent and 2.8 percent respectively of the profitability of quoted oil and gas companies in Nigeria. The results of the study further revealed that audit committee independence, audit committee meetings and audit committee competence accounts for 1.6 percent, 6.8 percent and 14.3 percent respectively of the profitability of quoted oil and gas companies while external auditor independence, shareholders' involvement and ownership concentration accounts for 1.2 percent, 23.6 percent and 0.2 percent respectively of the profitability of quoted oil and gas companies in Nigeria. Based on the findings of the study, it is concluded that corporate governance has a moderate influence (52.3 percent) on profitability of quoted oil and gas companies in Nigeria. One of the recommendations made was that quoted oil and gas companies in Nigeria should continually appraise their corporate governance system with a view to determine whether the system is functioning as expected so that corrective actions can be taken to address any deficiency in the system and such appraisal should be done annually.
Keywords: Board Of Directors, Corporate Governance, Corporate Governance Mechanisms, Net Profit Margin, Profitability
Profitability and Marketing Efficiency of Smoked Fish: An Empirical Evidence from Ondo State, Nigeria (Published)
The level of efficiency and profitability of the market and marketing functions are very important for sustainable marketing of agricultural products like fish. To ensure continuous availability of fish for human consumption, nutrition, and wellbeing, the Nigerian economy requires effective and efficient marketing systems. Fish marketing serves as a medium for bridging the gap between producers and consumers of fish. The study considers 80 fish marketers from Ondo state using purposive sampling technique. The data collected for the study were analysed using budgetary technique and shepherd efficiency model. The study revealed that fish marketing is profitable with gross margin of #38,101.36 and 15k as return on investment. The shepherd efficiency model revealed that fish marketing activities among fish marketers is highly efficient with efficiency value far higher (558.0%) than 100% deducing that an increase in the cost of performing marketing service (that is added time, form and place utility) by 100 percent will give a more than proportionate increase of 458.0 percent in the level of satisfaction derived from a kilogram of fish sold in the market. It was recommended that government should focus on policy that encourages farmers and young graduates in the business as it is noted for profitability, efficiency and a source of livelihood.
Keywords: Efficiency, Fish, Marketing, Profitability
Determinants of Survival of Listed Deposit Money Banks in Nigeria (Published)
In the business world, stakeholders are subject to several risks on investment including losing their venture. The existence of a healthy corporate structure is vital to the pursuit of the going concern objective of firms. This study investigates determinants of listed Deposit Money Banks' (DMBs) survival in Nigeria. The sixteen listed DMBs in Nigeria as at December 2017 were used as the population and fifteen were sampled by applying a judgemental sampling technique. The study adopted descriptive and ex-post facto research design. The Emerging Market score (EM score) model was applied in the prediction of going concern status of sampled DMBs. The data used were obtained from the annual reports and accounts of the DMBs for 2007 to 2017 accounting periods. The data were analysed using Robust GLS Regression model. The study found that there is a positive and significant impact of liquidity, leverage, profitability, solvency and asset management on DMBs' going concern (GC). This implies that, any increase in these determinants would lead to increase in GC of DMBs. With the adjusted r2 of 0.98 and F-value significance at 0.000 from the model used in the study, the study concludes that the independent variables in the EM score model are relevant in determining the GC of DMBs. It is highly recommended that DMBs should enhance their survival status (EM score of 5.48) by improving on their liquidity, profitability, solvency, leverage and asset management ratios to solidify their GC status.
Keywords: Asset Management, EMscore, Leverage, Liquidity, Profitability, Share Price, Solvency
Effect of Chief Executive Officer Duality on the Profitability of Money Deposit Banks (Published)
The purpose of this study is to determine the effect of chief executive officer duality on the profitability of money deposit banks. The research design adopted by this study is the quantitative approach. The population of interest for this study comprised the twenty-two deposit money banks listed on the Nigerian Stock Exchange (NSE) as at March (2016) for the period of sixteen years from 2000 to 2016. The study utilized only the secondary source of data. There exists a negative relationship between CEO duality and profitability. This further entails that for the sampled banks, CEO duality contributes negatively to the profitability of the selected money deposit banks in Nigeria. The coefficient of determination which measures the control power of the independent variable over the dependent variable was calculated with the instrument of adjusted R-Squared and it yielded 0.296170. This entails that the variations in profitability of the selected deposit money banks is not significantly influenced by CEO duality. Based on the findings, the study concludes that on the average, effect of chief executive officer duality has no significant effect on the profitability of money deposit banks. This finding reveals that dual role has no positive and significant influence and contribution towards profitability in money deposit banks. This should be thoroughly ascertained for it to be either suspended or significantly minimized.
Keywords: Chief executive officer, Duality, Profitability, money deposit banks
Analysis of Poultry Eggs Marketing In South-South Part of Nigeria. A Case Study of Ika South Local Government Area, Delta State, Nigeria (Published)
Poultry egg marketing is a common enterprise in Ika South Local Government Area, Delta State of Nigeria; but there are no documented research findings on the conduct of the market and profitability to authenticate the viability of this business. Thus, this study was targeted to analyze the performance of poultry egg marketing in Ika South Local Government Area, Delta State. The study was conducted in five purposively selected villages in Ika South L.G.A., Delta State. Twelve (12) respondents were then randomly selected from each of the five selected villages to give a total of sixty respondents. Descriptive statistics were used to analyze the socio-economic characteristics of the respondents, the profitability of poultry egg marketing was determined using gross profit margin analysis, net profit margin analysis and return on investment. Gini Coefficient was used to examine the market structure for poultry egg marketing. The results of the study showed that majority (40.00%) of the poultry egg marketers were within the age group of 30≥ 40 years, majority (71.70%) of the marketers were female, 50.00% were married, 35.00% had family size of 3 – 5 persons. 30.00% of them attained tertiary level of education, 41.67% had marketing experience of 1-5 years, 53.33% had egg marketing as their primary occupation, 65.00% were none members of co-operative societies. The gross profit margin was N772,200 while the net profit margin was N747,500 per marketer per annum and return on investment was 0.29, which showed that poultry egg marketing is profitable and viable in the study area. Gini Coefficient of 0.3054 showed that there was a moderate inequality in the distribution of incomes among the marketers hence some level of perfect competition of the market structure. The major constraints militating against poultry egg marketing in the study area included: inadequate capital, poor transportation, price fluctuations and exorbitant price of poultry eggs. The study therefore recommended that credit granting institutions should be established, effective transportation system and good road networks should be constructed in the study area for easy transportation, price control mechanism should be established to avoid fluctuation of price within the marketing system and the activities of trade union should be minimized to reduce the exorbitant price of poultry eggs to consumers.
Keywords: Gini Coefficient, Market structure, Marketers, Nigeria, Poultry Eggs, Profitability
Ethical Compliance and Organizational Profitability of Telecommunication Companies in Nigeria (Published)
One of the industries in Nigeria economy that attracts much complains from her numerous customers in terms of ethical compliance is the telecommunication industry. This therefore prompts the curiosity to examine the impact of ethical compliance on organisational profitability in the Nigerian telecommunication companies. The study focuses on three ethical compliance variables which are integrity, customer value and fairness to customers while profitability was measured in terms of customers' patronage and loyalty. The descriptive survey design was adopted and the study was guided by three research questions and three hypotheses. The population of the study comprised telecommunication subscribers in Akwa Ibom state and a sample of 384 respondents was estimated using Walpole's sample size for infinite population formula. The selection of samples was done using convenience sampling. Ethical Compliance and Organisational Profitability Questionnaire (ECOPQ) developed by the researcher was used in data collection. The instrument was validated by experts and reliability of the instrument was established using Cronbach Alpha method of reliability testing and the reliability coefficient of 0.89 was obtained. Data obtained were analysed using simple percentages and multiple linear regression and all hypotheses were tested at the 0.05 level of significance. To enhance data analysis, the study employed the use of Statistical Package for Social Science (SPSS version 22.0). Result obtained shows significant positive impact of ethical compliance as measured by integrity, customers' value and fairness on profitability in Telecommunication companies. It is therefore important that the management of Telecommunication companies pay more attention to the issue of ethical compliance as this will help improve their profitability.
Keywords: Ethical Compliance, Profitability, Telecommunication Companies
Dynamic Analysis of Financial Statement Fraud on Profitability of Manufacturing Firms in Nigeria (Published)
The aim of this research study is to assess the impact of financial statement fraud on profitability of selected Nigerian manufacturing firms covering (2002-2016). The specific objectives focused on ascertaining the effect of variables of financial statement fraud on return on assets (ROA). To achieve these objective, descriptive research design was used for the study while secondary data was collected from the financial reports of the selected firms and website of Security and Exchange Commission. The Analysis of Covariance (ANCOVA) was used and STATA II econometric method was adopted in the analysis of the data. Beneish model was adopted in the analysis of the financial reports to create a dummy variable for the selected firms from 2002-2016 and validation of the parameters were ascertained using various statistical techniques such as t-test, co-efficient of determination (R2), F-statistics and Wald chi-square. Three hypotheses were formulated and tested using the t-statistics at 5% level of significance. The findings of the analysis revealed that there is a significant relationship between financial statement fraud and profitability in Nigerian manufacturing industry. It was found that increase in fictitious revenue in manufacturing industry would lead to low profitability. The implication of this is that increase in fictitious revenue would lead to decrease in performance. The study therefore recommended that pragmatic policy options need to be taken in the manufacturing industry to effectively manage fictitious revenue, in order to enhance manufacturing industry performance in the country and also financial statement fraud should be adequately inculcated into the internal control system of manufacturing firms for the effective running of the manufacturing industry in Nigeria.
Keywords: Beneish Model, Fictitious Revenue, Financial Statement, Fraud, Profitability
Impact of Liquidity Risk on Firm Specific Factors: A Case of Islamic Banks of Pakistan (Published)
The major objective of the study is to develop a model and to test the relationship among liquidity risk and firm performance through its facets. The main facets of firm performance in the study are i-e profitability, firm size, leverage, share prices and earnings on assets. The present study mainly attempts to analyses qualitative, quantitative & contextual relationship of liquidity risk in Pakistan. Moreover, liquidity risk is less investigated in Pakistan and mainly regarding Islamic banking sector with respect to current data. Therefore, study is mainly investigated on the fourth pillar of significance i-e contextual significance. While, Islamic banking sector of Pakistan is investigated in current study. And the data is acquired from state bank of Pakistan database and through annual reports of the banks. Though, the study has supported past investigations results. Hence, the study has revealed key findings that will be fruitful for theorists, educationists and research scholars as well.
Keywords: Contextual study, Islamic banking, Leverage, Liquidity risk, Pakistan, Profitability, Return on Assets, bank size
Working Capital Management and Firm Profitability During and After the Economic Crisis among Malaysian Listed Companies (Published)
The main aim of this paper is to explore the working capital management components and examine their relationship with firm profitability among Malaysia listed companies during and after the global financial crisis of 2008-2009 and 2012-2013. Based on the descriptive results, Malaysian firms practice conservative working capital management techniques due to the fact that current ratio is high and debt ratio is low compared with prior studies.The multiple regression analysis on the 260 listed Bursa Malaysia companies shows a negative relationship between working capital management components (i.e. average collection period and average payment period) and firm profitability during and after the crisis periods. Moreover, cash conversion cycle negatively relates with firm profitability after the crisis. Inventory turnover days indicate a positive and significant relation with firm profitability during the crisis period. These findings suggest that Malaysian firms should try and collects cash from customers faster, pay bills as soon as possible and minimise the gap between initial investment and the time cash is collected from customers during both crisis and non-crisis periods. Nevertheless, management should maintain considerable level of stock to avoid shortage and supply interruption during the crisis
Keywords: Malaysia, Profitability, Working Capital Management
Process Control and Business Performance in Quoted Manufacturing Companies in Nigeria (Published)
This paper seeks to examine the influence of process control on business performance of quoted manufacturing companies in Nigeria. Survey research design was adopted. Three (3) tentative assertions, hypotheses were formulated. The sample size was thirty-two (32) quoted manufacturing companies in Nigeria. Pearson product moment correlation and QSR-Nvivo aided the quantitative and qualitative data analysis respectively. The study findings indicated that process control has very positive relationship with business performance. In conclusion, profitability, effectiveness and efficiency adoption as proxies of business performance has been proven to be largely a function of process control. The study recommends that manufacturing firms should increase the control measure in the work process to ensure conformity and avoidance of deviations, in order to achieve higher performance in their operations.
Keywords: Effectiveness, Efficiency, Process control, Profitability, Triangulation
Fraud Prevention and Business Performance in Quoted Manufacturing Companies in Nigeria (Published)
The study focused on Fraud prevention as a dimension of Audit function on Business Profitability, effectiveness and Efficiency as measures of performance. Primary and secondary data were collected, sample size was thirty (32) quoted manufacturing companies. Pearson Product Moment Correlation powered by Statistical package for social sciences and QSR-NVIVO software aided the data analysis. The study found that the influence of fraud prevention is more positive and very significant on business profitability, than on effectiveness and business efficiency, which appears to have weak influence in the quoted manufacturing companies in Nigeria. Conclusively, the more stringent fraud prevention measures tends to be the more businesses will achieve higher growth in terms of profitability. It is recommended that firms should improve on the fraud prevention mechanism to track all dubious tendencies to avoid being defrauded.
Keywords: Fraud Prevention, Operational Effectiveness and Efficiency, Profitability
Cost and Returns of Paddy Rice Production in Kaduna State (Published)
As a result of increasing population growth and urbanization, there is a high and increasing demand for rice, this necessitates the high attention for its production. This research was conducted to determine the profitability considering the cost and returns of paddy rice production in Chikun Local Government Area of Kaduna State. Data for the study were collected from 60 randomly selected paddy rice farmers using a well structured questionnaire and analyzed using the descriptive statistics, the gross margin and net income model. The result showed that 97% were male, 88% married and had an average household size of 10people. It was interesting to realize that all respondents had one form of education or the other and their average farm size was 15ha producing about 3.2tonnes of paddy per hectare. The average variable cost incurred per hectare was estimated to be $866.3 (N172,400) while the total cost of production was put at $1002 (N199,400) and a gross revenue of $1768.84 ( N352,000) was generated. Paddy rice production in the study area was estimated to have a gross profit $902.51 (N179,600) and a net returns of $766.83 (N152,600). The study however concluded that paddy rice production in the study area is a profitable enterprise and it also recommended that consistent government policies that would favour increase in paddy production, market information, extension service delivery, input subsidization and credit facilities be implemented.
Keywords: Costs, Kaduna, Paddy Rice, Production, Profitability, Returns
Effect of Weed Control Methods on Profitable Kenaf (Hibiscus Cannabinus) Production in Rainforest-Savanna Transition Agro-Ecology of Nigeria (Published)
A study was conducted at Institute of Agriculture Research and Training, Ibadan in 2015 and 2016 to investigate the effect and profitability of selected weed management methods on weeds, kenaf growth and yield. Ibadan is a rainforest-savanna transition agro-ecology. Seven treatments were applied, viz. weed-free control, weedy control, pre-emergence herbicide (metolachlor 1.44kg active ingredient/ hectare (a.i/ha) + hoe weeding at 4 weeks after planting (WAP), Citrullus lanatus (melon) cover + hoe weeding (4 WAP), sweet potato cover + hoe weeding (4 WAP), mulch cover (Panicum maximum) + hoe weeding (4 WAP) and two hoe weeding regimes at 4 and 8 WAP. Results showed that weed-free treatment had the tallest kenaf plant height, widest butt girth and greatest number of leaves in both years of trail. Dissimilarity to other treatments in plant height, butt girth, number of leaves, canopy cover, and core yield was found in weedy control which had the least value for these parameters throughout the study. However, butt girth was comparable across treatments applied except the weedy control. With the exception of weedy control and weed-free, other treatments had kenaf plants with similar canopy width which were significantly greater than that of weedy control and significantly less than that of weed-free treatment. Relative to weedy control, other weed management treatments had a significantly reduced weed dry weight and weediness. Kenaf plant height had significant positive correlation with butt girth, bast fibre, core fibre, canopy cover and weed control rate. However, weed biomass and weediness had significant negative correlation with kenaf traits measured. Partial budgeting analysis showed that Net income (NI) in bast fibre was highest in weed free (N3,608, 324.00/ha = US$12, 027.75/ha) and lowest net income (NI) was recorded in weedy control (N437, 098.25/ha = US$1, 456.99/ha).
Keywords: Cover Crop, Kenaf Production, Profitability, Weed management
Bank Capital and Profitability: A Study of Selected Banks in Ghana (Published)
The study investigated the relationship between bank equity capital and profitability by sampling fourteen (14) banks, using the purposive sampling technique, out of the twentyeight (28) universal banks operating in Ghana at the time, with data covering an eleven- year period (2005-2015). The study adopted the panel data methodology to examine the effect of bank capital on profitability. The random-effects Generalised Least Square (GLS) regression was adopted as an estimation technique for the research. The study revealed that equity capital is significantly and positively related to Net Interest Margin (NIM), and Return-on-Equity (ROE). Bank size is significantly and negatively related to ROE, and insignificantly inversely related to NIM. Regulated bank capital is a disincentive to inclusive financial intermediation in Ghana.
Keywords: Bank, Capital, Equity, Ghana, Profitability, Size
Determinants of Profitability in Commercial Banks Of Indonesia an Empirical Study (Published)
This study aims to determine the factors that affect the profitability of commercial banks in Indonesia. This research is a quantitative research using a sample six largest banks with total assets under ICMD. The banks included in the sample in this study is that Bank Mandiri (Persero) Tbk., Bank Rakyat Indonesia (Persero) Tbk., Bank Central Asia Tbk., Bank Negara Indonesia (Persero) Tbk., Bank Danamon Indonesia Tbk., and Bank Pan Indonesia Tbk. The research data in the form of panel data obtained from the annual financial statements of the bank. Techniques using multiple linear regression analysis. The results showed that the variables of liquidity of banks, non-performing loans and capital adequacy simultaneously affect the bank's profitability. The partial effect of liquidity and non-performing loans significantly influence the profitability of banks. While the capital adequacy ratio of no significant impact on the profitability of commercial banks in Indonesia
Keywords: Liquidity, NPL, Profitability, capital adequacy
The Effect of Using Accounting Information Systems on the Quality of Accounting Information According to Users Perspective in Jordan (Published)
The main reason of this study is to examine the impact of Accounting information system on the on the quality of accounting information Design/methodology/approach – The study applies the quantitative method to collect the data by using structure questionnaire to extract the users opinions about how accounting information system effect the quality of accounting information, The researcher identified some criteria to understand the concept of "Accounting information system" and used qualitative characteristic (relevance, reliability, more comparability, understandability, consistency and neutrality) as a proxy to measure accounting information quality. Findings – The paper specify that all accounting information users believe the important role of accounting information system on the quality of accounting information and there is a strong effect between the two variables, which in turn have influence on users' decisions, such as creditors, financial analysts and investors. Also the analysis result indicate the accounting information system have a significant influence on companies' profitability, there is a strong relationship between the use of accounting information that resulted from accounting system and managerial efficiency, also the findings shows struggle of using accounting information, such as ownership cost, training cost and fighting renewal such as accounting systems.Practical implications – The results of the study have significant implications regarding users of financial statements. In particular, mangers and investors, the research validates that the importance of AIS in rationalizing the decision making. Originality/value – It is believed that there is no Jordanian study to date examining the impact of accounting information system on the quality of accounting information. Therefore, this study significantly contributes to the limited literature on the perceived the effect of accounting information system on quality of accounting information. Research limitations: The difficulty of using such studies depending on questionnaire in developing countries, such as Jordan, because they do not care about the results of the study.
Keywords: Accounting Information Quality, Accounting Information Systems, Decision- Making Process, Jordan, Profitability, Qualitative Characteristics
Profitability of Economic Stimulus Program (ESP) Fish Farming Adopters in Makueni County, Kenya (Published)
Fish farming in Kibwezi is a recent livelihood alternative that was propelled by government funding under the Economic Stimulus Programme (ESP) between 2009 and 2012. This study evaluated the profitability and sustainability of fish farming in Kibwezi, Makueni County, Kenya using a sample size of 146 fish farmers. Fish production of finfish specifically Nile Tilapia (Oreochromisniloticus) and African Catfish (Clariasgariepinus) respectively were the species cultured. Twenty seven percent of farmers had an annual gross margin average of KES. 30,333.95 from a 300M2 fish pond with a gross margin ratio of 0.35. Net fish income was positive for 8.9 percent of farmers and averaged KES. 24,707.14. Farmers with a stocking density of 5fish/m2 and above serviced their total variable costs. Hatchery owners did better with 57.1 percent of them showing positive returns on both measures of gross margin and net fish income. Fingerlings, feeds and labour costs constituted 67% of total variable cost. Underweight of tilapia fish was a common problem among the sampled farmers. Adopters with the highest gross margins paid employees or committed themselves to pond management activities. Adopters made their own feeds. It is recommended that farmers be trained to make their own feeds
Keywords: Economic Stimulus Program (ESP), Kenya, Makueni County, Profitability, fish farming


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The name Victoria Falls by no means describes what one can expect from the mystical appearance of these gigantic waterfalls. The Makolo people, on the other hand, made a better effort by naming the falls: Mosi-o-Tunya, which literally translated means "The Smoke That Thunders".
When reaching Victoria Falls, one will descry a truly impressive image. The Zambezi quietly winds its way over the flat Savannah, peppered with small tree-covered islands and unique biodiversity.
Nothing in this peaceful environment would indicate such a massive emergence that is Mosi-o-Tunya. No mountains, no escarpments, no valleys, and yet there it is: "The Smoke That Thunders". The Zambezi seems to magically disappear in a gigantic chasm, known as the Victoria Falls.
[photo by Ryan McFarland]
Although there are not many indicators for such a wonder of nature, a fact is that it is there.
The reason for Victoria Falls' existence is due to the fact that the Zambezi River flows over soft sandstone, which eventually caves in to form the massive waterfall and the gorges that make up the Victoria Falls.
The range of the falls is quite impressive, with a width of 1.708 metres and a height of 108 metres. Granted, these specs do not showcase the highest nor the widest of falls in the world, but Victoria Falls is considered one of the largest waterfalls in the world because it boasts one of the highest maximum water flows.
An important fact about Victoria Falls is its locality, nestled right at the border between Zambia and Zimbabwe.
The first European ever to have visited the Victoria Falls was the Scottish explorer and missionary David Livingstone. He is not only the first European to have ever visited the Victoria Falls; he also had the honour of naming the falls, after the namesake of Englands' Queen Victoria.
Today the World Heritage List recognises both names: Victoria Falls or Mosi-o-Tunya.
[photo by Gary Bembridge]
Once David Livingstone had named the falls, the island on which he stood to see them for the first time, got named after him as well, namely: Livingstone Island. This island is located in the middle of the curtain on the Zambian side. The other option which allows you to see the Victoria Falls in its full beauty is Boaruka Island, located at the western part of the curtain, also on the Zambian side.
One of these islands should definitely be on your list of things to do when you go to check out Victoria Falls. However, do be aware that there are optimal seasons for travel in Africa; meaning that some months see the Zambezi carry more water than others. Between the months of February to May, more water slops over than the rest of the year, making this the opportune time to visit the falls.
The only outlet for all this water is the First Gorge, which boasts a width of 110 metres, it is here where every single drop that falls down the massive falls will have to pass. During the dry season, it becomes quite possible, however not necessarily safe, to walk along to the bottom of the First Gorge.
[photo by Obliot]
No matter which season you plan on visiting or on which side of the falls you plan on standing, the Victoria Falls will always present itself as a true wonder of nature.
Once you have discovered this wonderful, you can then move on and start exploring the Victoria Falls National Park and view the vast game or attend some of the other countless activities offered at Victoria Falls.
If you plan on going on an adventure to this majestic location from South Africa, you might want to use a vehicle to get there. Car rental South Africa would be a great place to start looking for the best wheels to get you there.


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This book is 340 pages long and comes with a CD with 8 guided meditations. The meditations can be used as an 8 week course, with chapters 4 to 11 as the accompanying guide. I enjoyed reading this book, which is easy and comforting to read.
Star Wise
Bookaholic and Peace-aholic, and Animal lover, I try to spread peace and fairness for all, and appreciation of, and proper use of the wonderful world we live in. Mitakuye Oyasin - we are all related.
FIFA World Cup Magazines & Panini Sticker Album
I am a fan of the World Cup Soccer, and it's on again ….. very soon. It will be held in 2018 in Russia from 14th June to 15th July. Here is the link to the official website.
What is an editorial review? – by Chanticleer Book Reviews
There are several types of reviews and reviewers: peer reviews by peer reviewers, editorial reviews by professional reviewers in the publishing industry, manuscript overviews – pre-publication editorial reviews, and consumer reviews by readers
The Little Mouse by C.W. Lovatt
This wonderful story is sprinkled with amazing forest creatures, with whom you feel as though you are right there with them as this gripping tale un-folds.
What are you Reading now?
I am a Princess and I'm currently reading Mindfulness for Women.
Playing the Matrix by Mike Dooley
This is an interesting treatise on how the author perceives things. Mike Dooley has come up with a Chart detailing 5 areas of the Matrix, from "Thought & Emotion" which he recommends to attach to or to focus upon, which are dependent solely upon a person's choices; to 4 areas of Illusions
Unbreakable by Jelena Dokic
Be prepared for a story of horror and violence if you plan to read this book. Well written and easily readable, it chronicles the first 27 years of Jelena Dokic's life.


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The feasibility of air taxis and aerial gondolas will also be examinded during the study.
Agency signed a Letter of Intent with ARRTT to formally begin the negotiations necessary for an aerial gondola to Dodgers Stadium.
The move will help guide Aerial Rapid Transit Technologies in writing a more detailed proposal for the aerial tram.
L.A. Metro will seek more precise information about business model, service design and what value its project would bring to Angelenos.
The aerial system would get fans from downtown to Dodger Stadium in about five minutes.
The idea was originally floated in 2009 by University of Colorado officials.
The plan for the city is just one of several aerial cable projects being pitched in cities from Austin, Texas, to Washington, D.C., to solve public transportation problems by going above the existing maze of congested highways, bridges, and rails.
The system, known as the "Personalized Elevated Urban Transport" (or TUEP in Spanish), promises to move some 37 million people across the city each year, and up to 200 million if the system is extended to longer distances.
The system, which can move 1,800 passengers per hour each way, would link Seattle's waterfront with downtown's convention center.
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Sociolinguistics Lab- Hagerty Hall 235
Lab Manager: Luana Lamberti
Faculty Sponsor: Anna Babel
The sociolinguistics lab is a space dedicated to the use of graduate students and faculty engaged in sociolinguistic research. The lab contains four computer workstations and a variety of audio and video recording equipment, as well as software and other equipment, such as transcription pedals and a response box. Graduate students and faculty may use the equipment on-site or check it out from the Lab Manager to take to the field. The lab space may also be utilized for meetings and interviews.
Featured Highlights
Justin Pinta is a fourth-year PhD student in Hispanic Linguistics. His research broadly concerns language contact between Spanish and several minority languages spoken in Argentina, with his primary interest being Correntinean Guaraní. Justin carried out fieldwork on this understudied variety of Guaraní in the Argentine province of Corrientes during the summers of 2017 and 2018. His work concerned language maintenance and shift in the province as well as the relationship between the high degree of Spanish influence in all areas of the grammar and the language ideologies of the region. His work contrasts Correntinean Guaraní with its closest relative Paraguayan Guaraní, which has been comparatively less impacted by Spanish contact and whose speakers possess a largely different set of language ideologies.


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Denis Waitley quotes (American motivational Speaker and Author of self-help books. b.1933)
Peter F. Drucker quotes (American Educator and Writer, b.1909)
Brian Koslow quotes (American author and entrepreneur)
Pope John Paul II quotes (Polish Pope. 1920-2005)
Les Brown quotes (American Author, Entrepreneur and motivational speaker)
Jimmy Carter quotes (American 39th US President (1977-81). Nobel Prize for Peace in 2002. b.1924)
John W. Gardner quotes (American Writer and Secretary of Health, Education and Welfare, 1912-2002)
Ogden Nash quotes (American Writer of humorous poetry who won a large following for his audacious verse. 1902-1971)


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Everlast 180in Hand Wraps Red 180inby
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Michelle Obama Hilariously Breaks Down Why Melania Trump's Inauguration Gift Exchange Appeared So Awkward
The former FLOTUS also explained to Ellen Degeneres how Barack stepped in and saved the day.
The word on the street is Iggy Azalea and Houston Texans wide receiver DeAndre Hopkins are boo'd up, and the rumor started with a simple Instagram comment.
Two years after Azalea broke up with new Warriors guard Nick Young, there has been chatter that she dated several other high profile people: Tyga and Odell Beckham Jr.
However, in recent screenshots obtained by SportsGossip.com, Azalea and Hopkins sent flirty comments to one another in the comments of an image he posted. Eventually, when asked if he is Azalea's boyfriend, Hopkins replied, "yes indeed."
Other screenshots, captured by a Brazilian fan page for Azalea, showed the Australian rapper called Hopkins her "man."
In addition to confirming the dating rumors, Azalea took to Instagram to post several twerk videos and an Instagram story where she shows off her "cellulite" (possibly to prove her butt is real).
Despite the video, wherein she called out people for body shaming her, some people still claimed Iggy may have had a fat transfer operation to get the large rear end.
Additionally, news of the relationship between Iggy and DeAndre had some people debating whether the football star was leveling up or selling out.
"U [sic] know what whatever that's his preference but it's so sad how these black men always got [sic] a run to a white woman or a half way white woman smdh," wrote one person on Instagram.
"Y'all kill me. This debate on interracial relationships is so played out. When a black man dates a woman that's not black, it's a problem and all of a sudden he doesn't love black women, but as soon as a black woman dates a white man y'all instantly say "yasss sis, secure the bag." Tf be wrong with y'all??? This double standard stuff gotta go," responded another.
(Photo: Ronald C. Modra/Sports Imagery/ Getty Images)
The former FLOTUS also explained to Ellen Degeneres how Barack stepped in and saved the day.
"When my teacher asks me a question thinking I'm not paying attention, but I get it right."


text: The Brera is a sleek manual recliner chair with matching footstool, featuring a large smooth tile back design incorporating the supportive headrest and smooth armpads. With an adjustable headrest, together with a manual recliner back action to ensure you're comfortable in all positions. Available in either Blue or Grey, this chair is ideal for those quiet corners.


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Posted by Tony Nguyen on September 23rd, 2016
Posted in: All Posts, NLM/NIH News
Health Hotlines was developed by NLM as a community service to help the public locate health-related information from organizations with toll free numbers. NLM has decided it will no longer update the Health Hotlines database because most of the information is now readily available through web search engines and because many of the organizations no longer have toll free numbers. Health Hotlines will remain online until the end of January, 2017, at which time it will be retired.


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$ 43.15 $ 84.00
NitrEmulse is a specially developed formula that includes key nutrients that are used for the expression of eNOS and nNOS, as well as for the balance of iNOS. It incorporates targeted nutritional support for tissues and the immune system. It further supports peripheral blood flow. The ingredients in this advanced formula also help support brain endurance, focus, and metabolic endurance during exercise. Key ingredients include ATP, xanthinal nicotinate, and N-acetyl L-carnitine.
Suggested use: Take 1 teaspoon once a day, or as directed by your healthcare professional.
Serving Size: 1 teaspoon (approx 5 ml)
Servings per container: 94
Proprietary Blend: 125
ATP (as adenosine 5'-triphosphate disodium)
Xanthinol Nicotinate
N-Acetyl L-Carnitine (as N-acetyl L-carnitine hydrochloride)
Alpha-GPC (L-alpha glycerlphosphorylcholine)
Huperzine A (from Huperzia serrata extract)
Other ingredients: Filtered water, vegetable glycerin, honey, evening primrose oil. Luo han guo fruit extract, natural flavor (peppermint), potassium sorbate (to maintain freshness), stevia extract, citric acid.
$ 61.00 $ 99.00
• Supports Carbohydrate Metabolism*
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For nutritional, directions and references click here.
$ 40.26 $ 64.00
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For nutritional information, references and instructions Click here.
$ 29.00 $ 54.00
Adaptomax supports the body when temporarily under stress or feeling energetically spent. This product is designed to support both physical and mental functionality through the use of carefully selected phytonutrients and plant enzymes. Key ingredients include extract of Panax ginseng, ashwagandha, and holy basil. It also includes high-potency antioxidant vitamin C.
Suggested use: Take 1 capsule 2 times a day, or as directed by your healthcare professional.
Serving Size: 1 vegetarian capsule
Servings per container: 90
Vitamin C (as ascorbic acid) 100 mg
Panax ginseng Extract (root) 200 mg
Ashwagandha Extract (root) 200 mg
Holy Basil Extract (leaf) 100 mg
Rhodiola Extract (root) 75 mg
Eleuthero Extract (root) 50 mg
Pantethine 50 mg
Proprietary Blend:
Boerhavia Extract (root)
Betaine HCI
Cellulase (plant enzyme)
Peptidase (plant enzyme)
Other ingredients: Vegetarian capsule (HPMC), cellulose.
$ 96.00 $ 154.00
• Provides Fat-Soluble and Water-Soluble Antioxidant Activity*
• Coenzyme for Whole-Body Glucose Utilization*
• Supports Healthy Intracellular Glutathione Levels*
• Supports Regeneration of Vitamins C and E*
• Helps Maintain a Balance Between Oxidized and Reduced CoQ10*
For nutritional information, directions and references click here.


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Product Details
Availability: Order
Dispatched from Brisbane in 7 business days.
Product Style:
Regardless of the number of pairs of shoes you own there will be times when you just can't get the perfect match for your dress of choice. This is where the D'Orsay pump might well come into its own. With 5" heel, 3/8"platform, you may want to keep this shoe in reserve for special occasions or if your wardrobe is limited (and let's face it that's true for many of us) this makes a great starter pair. Sensible doesn't cut it in such circumstances.
- Heel Height: 5"
- Hidden platform: 3/8"
- Oustole: Rubber
- Upper Material: PAT
- Lining Material: Semi PU
- Midsole Material: Semi PU
- Colour: Red
- Fit Guide: TRUE TO SIZE
- Vegan Style: Yes
- Imported direct from Pleaser USA
- Made in China
|US Size
|Length (cm)
Find the length of your foot.
Please follow the instructions below to measure the length of your feet:
- On a solid flooring surface, place a piece of paper against a wall or skirting board.
- Place your heel against the wall and mark on the paper where your longest toe reaches.
- Measure from the wall edge of the paper to your toe mark.
Don't forget your left foot and right foot are often different lengths, so be sure to measure both and take the size of the largest foot.
We stock US lady's sizes. Simply add 2 sizes to your Australian Men's shoe size.(e.g. an Australian Men's 10 in a US ladies 12). If you take a half size, then go up not down in size. If you are unsure of your sizing, please contact us and we will assist you .
Just a little too big - Try using a half an insole in the front half off your shoe. This will help to push the foot into the heel of the shoe.
Pick up facilities: By appointment only
Australia: Calculated at Checkout
International Orders: Calculated at Checkout
We do not " Safe Drop" unless requested. Please leave instructions in delivery.
Won't be at home to receive a parcel? Have it sent to a free 24/7 Parcel Locker* instead and collect at any hour, day or night.
A Parcel Locker is a secure storage space where you have 48 hours to collect your parcel. You can send parcels from there too. You can find Parcel Lockers at over 300 locations across Australia, including Post Offices, petrol stations and supermarkets.


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So like usual on my saturday ride I headed out around 10'ish, but only this time I decided I would do a lap around the lake and then head up Prospect.
The lap around the lake didn't take long but it was a decent way to knock off a quick hour.
As I headed up Main street I decided that I would stop by the house and fill up my water and grab a banana. When I walked into the house I was almost judo chopped by a metal top to a pot due to the fact that I had surprised my Dad by walking in through the kitchen door, in his own words he described the feeling as "ready to throw down."
After a laugh at this I started my trek on prospect. I felt much safer this time on the rout due to the fact that I had a zombie hunter patrolling this road (see pic) and so I just knew that my ride would go undisturbed by any zombies. Thanks again Zombie Hunter patrol for doing a bang up job.
After the ride, which was very peaceful due to the lack of wind, I found an HDMI cord that could connect my laptop to the T.V. This was so cool because I could read velonews and watch movies that were on my computer on the big screen.
Tomorrow I have another 3 hour+ ride and I hear its going to be an amazing day.
Connor Brown


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Web ID: 7880107
Thirstystone® Faith, Hope, Love 8" Trivet
Select all your options above to check availability
Thirstystone® Faith, Hope, Love 8" Trivet
Product Description
This 8" stoneware trivet celebrates some of life's priorities: faith, hope and love.
- long-lasting color image
- cork backing to protect fine surfaces from heat
- boxed and ideal for gift-giving
Stoneware. Measures approximately 8" square. Imported.
Shipping & Returns
Convenient Shipping Options
Not available at your store? We can ship to you directly or to your favorite JCP location.
Easy Returns
Shop with confidence. Read our full, common sense


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D. Hamilton Excavating
717 Kinch Street, RR 2, Jasper, Ontario, K0G 1G0
Products and Services
D. Hamilton Excavating is proud to offer our services on commercial and residential jobs. No project is too big or too small to be considered.If you are looking for excavating, site prep, septic systems, heavy equipment rental, snow plowing, top soil, etc. and you are looking for a local company that is reliable, dependable and offers competitive prices, you are looking for D. Hamilton Excavating.


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Contact Supplier
Ms. Fulina WuLeave a message
|Payment Type:
|L/C,T/T,Paypal,Western Union
|Min. Order:
|100 Pack/Packs
|Delivery Time:
|30 Days
Basic Info
Model No.: STD-5024S Waterproof
Output Type: Single
Warranty: >2 Years
Input Voltage: 110-220V
Certification: CE, RoHS, ISO, CCC, FCC
Additional Info
Productivity: 20000 PCS/ day
Brand: STEADY
Transportation: Ocean,Land,Air
Place of Origin: CHINA
Supply Ability: 520K/ Month
Certificate: ISO9001:2008;
HS Code: 8504409990
Port: Shenzhen,HK,Dongguan
Product Description
24vac Outdoor Power Supply, output voltage 24VAC,output current 3A,5A, large space, convenient installation.
All products are 4 times aging test , glass fiber board, the circuit design, ensure the stability of persistent.
Product appearance and packaging have "STEADY " logo.
Patented unique design with the gourd type
with Space Large for convenient installation
Fully Surface design style housing, suitable for wet, dry, damp locations
Big transformer, 3A,5A enough power.
4 times aging test
Protection: short-circuit,over-load,over-voltage ,over current , over-temperature protection
3 years warranty
Technical parameter
SPECIFICATION MODEL STD-5024S STD-A3-B5 Double Outputs Output Power 72W/120W 120W / 36W Output Voltage 24VAC 24VAC / 12VDC Output Voltage Toleance ±1% ±1% Output Current 3A/5A 5A / 3A Output Current Range 0-3A/0~5A 0-5.0A / 0-3.0A Ripple and Noice 120mVp-p 120mVp-p Into line Stability ±0.5% ±0.5% Load Stability ±0.5% ±0.5% Efficiency 85% 85% Input Voltage Range 100-240VAC 100-240VAC Input Current 0.3A 0.3A Leakage Current <1mA/240VAC <1mA/240VAC Overload Protection 105%~200% 105%~200% T.C. ±0.03%℃(0~50℃) ±0.03%℃(0~50℃) Start,Rise,Hold Time 200ms 100ms 20ms 200ms 100ms 20ms Mechanical Shock 10~500Hz, 2G 10min./1 Period,Time 60min 10~500Hz, 2G 10min./1 Period,Time 60min Insulation Shock I&O:3KVAC I&C:3KVAC I&C:0.5KVAC I&O:3KVAC I&C:3KVAC I&C:0.5KVAC Isolation Resistance I&O,I&C,O&C:500VDC/100MΩ I&O,I&C,O&C:500VDC/100MΩ Working Temperature -10℃~45℃, 20%~90%RH -10℃~45℃, 20%~90%RH Store Temperature -20℃~85℃, 10%~95%RH -20℃~85℃, 10%~95%RH Safety Standard GB8898-2001 UL1012 REQUIREMENT (NOT APPLY FOR THE MARK) EMC Standard FCC PART15JCONDUCTION CLASS A
Product show
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About US
Our Advantages:
1.Manufacturing Process
2. Exhibition:
4.Packing and Shipping:
MOQ: No MOQ for trial order, and we can provide free samples to test.
Payment: T/T, Western Union, Paypal, Trade Assurance.
Delivery: 7 working days for sample order,12 working days for 500pcs.
FOB , EXW and CIF all are available.
Shipping freight are quoted under your requests.
Loading port: Shenzhen/Donguan /HongKong.
Discounts are offered based on large quantities.
Price: Get quote
6. Our Service :
1. What service we can provide ?
1. All inquiries will be replied within 24 hours
2. Professional manufacturer,welcom to visit our website
3. OEM/ODM avaliable:
A.Print logo on our product;
B. Customized specification;
4. After Sales-Service:
A. All products will have 100% burn-in test and strictly quality test before shipping;
B. Fast Delivery: 3-7days for samples, 15-20 days for bulk production;
5. High efficiency,long life span,reasonable&competetative price,fast lead time;
6. We have our engineer team, if you have any question about your LED applications, let us know freely.
Looking for ideal 24v Outdoor Power Supply Manufacturer & supplier ? We have a wide selection at great prices to help you get creative. All the Outdoor Power Supply Box are quality guaranteed. We are China Origin Factory of Outdoor Camera Power Supply. If you have any question, please feel free to contact us.
Product Categories : Outdoor Power Supply > 24V AC Outdoor Power Supply
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Best Ironing Board UK Reviews Buying Guide, Sizes & Advice
If you own an iron, then almost always you will need an ironing board. Some people still use a cloth on top of a table, but most UK consumers, opt for the safer and sensible option of a good quality ironing board.
There are normal stand alone boards, but also table top boards. In this article we look at the best ironing boards, that are currently available in the UK market.
Before you make any decision, you need to know which type of iron you have?
What Type of Iron do You Have?
First of all, there are two main types as shown below:
Normal Steam Iron
Steam Generator Iron
These irons are different sizes and more importantly different weights. Should you own a steam generator iron, then you will need a different type of ironing board.
It is larger in terms of width, and also has a different end piece. If in doubt. most people will own a standard steam iron.
This article is about normal ironing boards for your normal or typical steam iron. Click on the following link to read reviews on steam generator ironing boards.
Ironing Boards Explained
The simple task of buying an iron board sounds very easy. It should be of course, but like many things in life, perhaps not as easy as it seems. Hopefully we can clear that up for you with some useful basic information.
It is worth noting before we go any further that these boards come in different sizes, shapes and prices. Some people like to sit down to iron, others prefer to stand. In addition to that, some people are short and some people are tall, so is the board adjustable for all those heights?
Where are you going to store your ironing board? Do you need a spot to set your iron on when not in use? Below we try to answer all of those important questions.
Ironing Board Sizes in the United Kingdom
Manufacturers of these make them in five different sizes. These are referred to as standard sizes, however you will also find sizes slightly different to these as well.
There is no clear designed standard as manufacturers often change the size option. The best seller for example is 122 x 38 cm. The guide below is a useful general guideline. Always check the exact size though before ordering.
Size A
110 x 30
43 x 12
Size B
124 x 38
48.8 x 15
Size C
124 x 45
48.8 x 17.7
Size D
135 x 45
53 x 17.7
Size E
135 x 49
53 x 19.3
Below I have completed a full ironing board buying guide. That will help you to pick the best ironing board for your needs. I also appreciate that some readers will be pushed for time. To help save you time, I have made the top 3 recommendations just below.
You can go with one of those, or continue reading, to find out more information.
Any of these sizes will be able to handle a normal steam iron. The reason you may want a smaller board would be, if you are stuck for storage space. Some users like the larger boards for ironing sheets, or larger items. (Size C and above) It really is a matter of personal preference.
Folding Table Top Ironing Board (-£8)
Measures 73 x 382cm
- Good for small apartments, camping or a caravan
- Bullet Point 2
Minky Ergo Ironing Board (-£29)
Measures 122 x 38 cm
- Made in the UK
- 5 Year Guarantee
Brabantia Ironing Board with Steam Iron Rest
Sizes A, B, C, D
- Adjustable 77-96 cm
- 10 Year Guarantee
Which Brands Make Ironing Boards?
Believe me there are lots of choices. The most popular are: Brabantia, Minky, Philips, Leifheit, Lakeland, Addis, MSV, Multiware, AllRight, and Russell Hobbs. The biggest selling brands in the UK appear to be Brabantia and Minky.
Quality of Your Ironing Board
You can buy these from as little as £15, and all the way up to £150. Crazy right? The price difference happens for a number of reasons. I have shown the main reasons below:
- Quality - You get what you are prepared to pay for. Well made boards that will last a lifetime will cost more than a flimsy board, that will break after a short period of time
- General Construction - Made from good quality materials, strong joints for adjustments and stability, lightweight for easy of portability and good quality covers.
- Brand - You will always pay more for a better brand of board. They will also give you more extensive guarantees and better customer service.
Adjusting the Height of Your Ironing Board
Almost every single board will have some element of height adjustment. The legs normally fold under the board for easy storage, and usually click into place to keep them from inadvertently falling out.
When putting the board up, the height adjustment is made by clicking the movable leg into a slot. There are a number of slots. You simply pick the right one to suit your own height.
For taller people they will want a higher board, so make sure that the height you need, is provided by the board that you buy.
Nose of Your Ironing Board
As I prefer to call it, the pointy bit. It is where most people iron the fiddly bits. They come in different shapes such as rounded, tapered or blunt. They all work fine. Just be aware which type you have if you are buying a new cover.
Ironing Board Covers
This part often gets confusing. Good ironing boards will always come with a cover of some kind. A good board will last for years, but covers usually require replacement every 2-3 years.
Many people also decide to buy a cover to upgrade the quality, and to make ironing easier. Typically these will be non-slip covers.
There are basically three types padded, metallic or mesh styles.
The most common are the softly padded. They essentially take the hardness out of the main board underneath. That makes ironing a lot easier.
The problem with these is they they go out of shape, especially if the padding is too thin. A good padding thickness should be around 6 mm thick.
They can also be metallic in nature. They are made from fabric with metal woven in (usually copper) Those help reflect the heat of the iron back into the fabric, and as such also speed up the ironing time.
The mesh style of cover allows steam to pass through which helps speed up the ironing time.
Appearance - Some people also like to buy a cover with a nice pattern. Others prefer a simple plain cover.
Important Note :- When buying a cover, make sure it fits your board by measuring the length and breadth of your board. Many covers are sold as one fits all. They are then attached to the board using a drawstring that gets tightened underneath the board.
No 1 Choice - Best Ironing Board - Minky Ergo
Minky Ergo Ironing Board
This is the best selling board in the UK market at the moment. The buyer satisfaction rating has stayed consistent at around 4.1 out of 5 stars. It also costs under £30 and that is around the average price, for a good quality board.
You can get it in either a green colour or a blue. Comes with a clip holder for the lead of the iron.
100% cotton cover features with heat reflective metallic coating. The padding is good.
Average RRP = £28
5 Year Guarantee
It measures 122 x 38 cm and weighs about 5 KG
Buyer Review Snippets
What They Liked
77% Rated this 4 stars or higher
Not so Happy About
9% Rated this a 1 star product
"I like the colour of the cover, the cord holder clip is great so easy to use, easily put up and taken down for storing. Well cushioned cover glides over the clothes. A joy to use"
"It's easy to use. Looks nice. Enough said really. It's worth buying."
"Good quality ironing board..Nice design, sturdy and strong. First time buying Minky products and I would buy it again."
"It didn't last longer than a year. I'm hoping for better with this one. Otherwise, I really like the dimensions of this board and is easy to fold away."
"It is very wonky, one of the legs was not even on the same level as the others"
No 2 Choice - Best Ironing Board - Brabantia Ironing Board with Steam Iron Rest
Brabantia Ironing Board with Steam Iron Rest
This is the highest rated board in the UK market at the moment. The buyer satisfaction rating has stayed consistent at around 4.5 out of 5 stars. It also costs just over £46 and that is around the average price, for a high quality board.
You can get it in either cotton flower, ice water, leaf clover, purple anemone, swirl, moving circles, pink santini, ecru or peaks pattern covers.
Stable and height adjustment from 77-96 cm and works on all floor types including laminate
100% cotton cover
Average RRP = £46
10 Year Guarantee
Size B It measures 124 x 38 cm and weighs about 6 KG
Buyer Review Snippets
What They Liked
90% Rated this 4 stars or higher
Not so Happy About
5% Rated this a 1 star product
"In use this is a cracking ironing board and doesn't kill your back. It's ergonomic too!Great product from Brabantia"
"I love my Brabantia Ironing Board because it's easy to put up and down, is stable and has a great support for the iron"
"I think that Brabantia make the best ironing boards, it is the most expensive but you will get a long lasting board with good results every time.This is solid and sturdy, the legs don't wobble about, adjusts to all heights ,and is designed to be used either standing, sitting and for left or right handed people"
"The ironing board wobbles....a lot...it's impossible to get all 4 legs to touch the floor at the same time even on a thick wool rug"
"Only three of the legs contacted the floor when opened out resulting in a wobble"
No 3 Choice - Best Ironing Board - Brabantia Ironing Board with Solid Steam Unit Holder, Size C
Brabantia Ironing Board with Solid Steam Unit Holder
This looks similar to the one above and is made by the same brand. The buyer satisfaction rating is very high at 4.6 out of 5 stars. It is one of the most expensive at around £60, but a highly popular choice from UK buyers.
It is available with a whole range of patterned colours. It has a wide work surface, adjustable height settings and a full range of safety features.
Good for steam or steam generator irons
Four height settings
Transport and child safety lock
Average RRP = £60
10 Year Guarantee
It measures 124 x 45 cm and weighs about 7 KG
Buyer Review Snippets
What They Liked
92% Rated this 4 stars or higher
Not so Happy About
3% Rated this a 1 star product
"This one is not only lovely and sturdy, but a decent width which cuts down on re-positioning items and speeds up the whole process.I find myself showing off my ironing board to friends because i'm so pleased with it"
"This board is large and robust. It feels very steady with the steam iron unit on its holder and is a pleasure to use."
"And my biggest worry of all, if it'd be suitable for someone of 5ft, it is perfect. Goes even lower than I expected it too. Good for small and big people!"
"Board is heavy - OK for me as I keep it up but would be problem if you want to fold it up and put it away"
"Let me explain - it is heavy and very big. It is very wide at the bottom"


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Your Allegation is Mischievous, Unfortunate, Police Tells Dino Melaye
The Police yesterday described as unfortunate, mischievous and outright falsehood the claims by Senator Dino Melaye that the Inspector-General (IG) Ibrahim Idris planned to arrest and inject him to death.
Melaye had raised alarm through his official social media pages that the police had deployed personnel to assassinate him.
He also mentioned the alleged redeployment of the Police Commissioner in Kogi State as part of the plot to carry out the act.
But the police rose to defend the IG Idris yesterday, denying that he ordered personnel to arrest and inject Kogi West senator.
In the reaction, Force spokesman Jimoh Moshood, an acting Deputy Commissioner of Police (DCP), described Melaye's claims as untrue, ridiculous, mischievous and unfortunate.
The statement reads: "The Force is categorically stating that the statement is mischievous, malicious, capable of misleading the public and laughable. There was no such order from the Inspector-General of Police or any plan by the Force to arrest Melaye and inject him to death, but if the senator knows he had committed any crime or he is aware of his involvement in any crime, he should come out and confess and face the legal consequences instead of whipping up sentiments to distract the public.
"The Force sees such defamatory, mischievous, malicious and reckless statement by Melaye as untrue, ridiculous, mischievous and unfortunate."
On the implication of the statement, the police said: "Melaye is hereby called upon to know that his statement constitutes a criminal defamatory offence, hate speech and hateful conduct.
"He should, however, as a lawmaker be law-abiding and desist from un-senatorial and lawless utterances that cannot be substantiated with facts."
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Copyright 2018 SIGNAL. Permission to use portions of this article is granted provided appropriate credits are given to www.signalng.com and other relevant sources.


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Easter Egg Block Bonus Project!
After I made my first Easter Egg block and turned it into a cute little mug rug, I had another idea right away for a fun little scrappy Easter Egg. The fun polka dot fabric I used to make these projects were from a charm pack of Moda Grunge Dots from one of my favorite…… Continue reading Easter Egg Block Bonus Project!