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Live Commentary
A great game in the Bundesliga has finished with Bayern taking all the points. My name is Tom Webber and it has been a pleasure to guide you through this afternoon's action. Make sure to keep with Goal.com for all the post-match news and analysis. Have a great evening!
After taking an early lead Stuttgart were pegged back by Gomez's equaliser and then lost Molinaro for a second booking with 30 minutes gone. The hosts searched relentlessly for a leveller and put in a good shift with just ten men but it was not to be.
It's all over! Bayern will be top of the league over Christmas! Gomez could have had a hat-trick against his former club but his two goals were enough to take all the points.
90' + 1'Yellow Card Georg Niedermeier
90'Harnik almost gets on the end of Pogrebnyak's flick-on but Van Buyten heads it away.
90'Quick free kick taken in their own half by Stuttgart. They lose the ball and Niedermeier puts an unnecessarily dangerous tackle in on Tymoschuk and gets a booking for it.
90'There is to be three minutes of added time. Stuttgart are really pushing for the equaliser but the referee once again gives the free kick to Bayern when it arguably should have gone the other way.
89'Stuttgart putting on some pressure but once again the ball in the box is claimed by Neuer. A good ball to Pogrebnyak could be all they need.
87'SubstitutionTamas Hajnal Georg Niedermeier
87'Yellow Card M. Gómez
87'A disappointing ball is put in and Neuer comes out to claim it unchallenged.
87'Gomez brings down Gebhart and Stuttgart have a great free kick available.
86'Not much going on in terms of chances here. Bayern look like they are just going to play out the game and secure the lead they have.
85'SubstitutionArjen Robben Jerome Boateng
83'Yellow Card Rafinha
83'Die Roten have failed to put the game to bed and as Stuttgart begin to search for an equaliser it could go one of two ways. Will the hosts get the equaliser or will Bayern take advantage by countering?
80'CACAU ALMOST LEVELS IT!! Van Buyten puts a shocking head on the ball as he tries to reach Neuer. Cacau chases and gets a foot onto the ball before Neuer reaches it. It loops narrowly over the bar and it's a real let off for the leaders.
79'SubstitutionThomas Müller Luiz Gustavo
79'SubstitutionFranck Ribéry David Alaba
78'SO CLOSE!! From the resultant corner the ball takes a couple of nicks but Pogrebnyak fails to make the final connection and steer it in. They are still one behind but look a different side.
78'Pogrebnyak tries to bulldoze through the defence and wins a corner in the process. They substitutes have put some much needed impetus into Stuttgart.
73'Robben makes a strong connection with the ball and sends a dipping volley at goal. It just does not quite fall for him and it goes over the bar.
70'SubstitutionJulian Schieber Pavel Pogrebnyak
70'SubstitutionChristian Gentner Cacau
70'Great to see Labbadia making such changes and it may set up a fantastic final twenty minutes!
69'Yellow Card Holger Badstuber
68'Bruno Labbadia looks set to make some attacking changes now. He has nothing to lose so credit to the Stuttgart manager. Pogrebnyak and Cacau look to be getting ready to come on
66'Lahm tries to feed Gomez with a cheeky dinked pass into the area but the ball runs out of play. Stuttgart counter in numbers after and are exposed on the break. Fortunately for them Gomez's shot hits Maza and does not test Ulreich in goal.
63'Stuttgart are really being hemmed in by Bayern. They aren't seeing any of the ball and when they do they cannot commit in numbers. Gomez goes through on goal but is called offside.
59'Well it came a bit earlier than expected but Bayern have the lead. It will be asking a lot of the hosts to get back into this but the crowd has not given up on their team and continue with their almighty support.
57'Assist Philipp Lahm
57'Goal M. Gómez
THERE IT IS!!! 2-1!!! Gomez scores his second against his former club. Stuttgart get far too narrow and Lahm finds space in the defensive line and is found by Kroos. Lahm cuts the ball back and Gomez stretches to stab the ball into the far corner past Ulreich.
54'Bayern once again keeping hold of the ball very well. Lahm is looking to get in behind Boka down the left as the Ivorian seems to be straying out of position.
50'ULREICH SAVES AGAIN!! A nice passing move ends with Ribery teeing up Kroos who crackied a shot at goal from 20 metres. Ulreich dived to his right and got a strong hand on the ball.
49'Lahm drives in from wide on the left and scurries along the edge of the 18-yard-box and slips a great pass but no one is on the end of it.
48'Gebhart has moved to left back to cover the dismissed Molinaro. As an attacking player he may find it hard to deal with Robben and Rafinha and that looks like where they will emphasise their attacks.
47'You would expect Bayern to go for the full three points and extend their lead at the top of the Bundesliga. Stuttgart face an extremely difficult 45 against the Bavarian club.
46'We're off at the Mercedes-Benz Arena!
We're back and the players are getting ready to come out on pitch. Kick-off is just a few moments away. Can the ten men of Stuttgart hold on to the point? Will Bayern go for the kill early in the second half? A great 45 minutes of football is sure to follow!
Now's the time to go grab a hot drink or wolf down your Sunday roast (like me!). I'll be back in ten minutes for the second half. Send your comments to @thwebber on twitter!
It's half time at the Mercedes-Benz Arena and after a frenetic start that saw both Gentner and Gomez get on the score sheet, the game settled down. Molinaro was sent off after half an hour but Stuttgart have played well with just the ten men.
45'Well that's a disappointment. It's taken short and Bayern take a slow build-up that ends with Van Buyten eventually heading wide.
45'Almost into stoppage time and Hajnal gives away a needless free kick as he clips Muller. Bayern have one more chance before half time.
44'Bayern have floated a good few diagonal balls in towards Gomez but Ulreich is doing well to come out and gather the ball comfortably.
42'Stuttgart are giving a good account of themselves with ten men. Bayern have lost that attacking urgency they began with and now look like they could be vulnerable to a counter. A goal before half time would make it very interesting.
39'A searching cross-field ball finds Boka streaming forward down the right. He takes a touch and looks to go past Lahm but he runs it out of play and the momentum is lost.
37'Bayern have taken to Molinaro's dismissal by trying to control possession even more. When they are getting the ball Stuttgart are driving straight for goal. Gebhart goes close with a spectacular volley from just outside the 18-yard box.
32'Bayern will likely take their time now and try to wear their opponents out. Stuttgart looked extremely vulnerable down the left and clearly the combination of Rafinha and Robben was too much for Molinaro to handle. Shame to see so early in the game but he had had his warning.
30'Yellow/Red Cristian Molinaro
29'MOLINARO SEES RED!!! He goes through the back of Robben and after a bit of theatrics the referee brandishes a red card. He won the ball but clearly the tackle from behind upset the referee.
27'Yellow Card Arthur Boka
27'Van Buyten takes it and slams it into the wall. You have to think someone else should have taken that.
27'Boka gets booked for a trip on Ribery in an extremely dangerous position.
25'Yellow Card Thomas Müller
25'GREAT SAVE FROM ULREICH!! Gomez chases the ball and cuts it back to Muller, alone in the area. He swivels beautifully before taking a shot. It deflects of Kvist but Ulreich still manages to get a hand on it and the danger is eventually cleared.
24'Yellow Card Cristian Molinaro
23'After a frenetic start to the game Bayern are beginning to slow the tempo. Stuttgart are dropping into a 4-5-1 when without possession in an attempt to smother the play and pick apart the visitors' patient build-up. Get in touch and let us know your thought. @thwebber on twitter!
20'Great work down the right hand flank by Robben and Rafinha, they are combining superbly. The Dutchman clipped a pass in to Muller who just about got the ball out his feet at the by line to dink it to Gomez. It was just behind the striker and he couldn't head into the empty net.
17'Bayern are trying to settle down into a solid passing rhythm now. They are doing well to work the ball up the pitch despite the hosts staying disciplined and compact. They've got a corner but it's cleared by Gentner.
13'Assist Rafinha
13'Goal M. Gómez
GOOOOOOOOOMEZZZZ!!! Superb finish by the German international. Rafinha breaks down the right and puts a great ball into the box. Gomez beats Tasci to the ball and pokes it in past Ulreich to level the game.
12'Yellow Card Christian Gentner
12'The game has shown no signs of letting up with both teams looking extremely urgent on the ball and going straight for goal. Goal scorer Gentner has just been booked.
9'ALMOST IN!!! Robben whips in a great set-piece that bends towards the back post. It takes a deflection which takes it away from Muller and behind for a goal kick. Electric start here.
7'Assist Martin Harnik
7'Goal Christian Gentner
GOOOOAAAAALLLL!! Stuttgart go straight up the end with Molinaro driving down the left. He finds Harnik pulling away at the back post and the Austrian nods it down and back for Gentner who slams the ball into the back of the net!
5'HE'S MISSED AN OPEN GOAL!!! Robben does superbly to round Ulreich but opts not too shoot from an acute angle. He lays the ball on a plate for Gomez but the defender does enough to put him off and he doesn't even make contact with the ball. Shocking!
4'CLOSE!! Robben's low corner is met by Van Buyten. He flicks his foot at the ball but cannot squeeze it in at the near post. Dangerous signs early on and Stuttgart will have to watch the big centre back in future set-piece situations.
3'The two sides are just feeling each other out at the moment. Bayern are enjoying the lion's share of possession in the early stages.
1'We're underway here in Stuttgart!
And now for the visitors. Neuer; Rafinha, Van Buyten, Bastuber, Lahm; Kroos, Tymoshchuk; Robben, Muller, Ribery; Gomez. Subs: Butt, Boateng, Contento, Luiz Gustavo, Pranjic, Alaba, Olic.
Here's how the hosts line-up Stuttgart: Ulreich; Boka, Tasci, Maza, Molinaro; Gentner, Kvist; Harnik, Hajnal, Gebhart; Schieber. Subs: Weis, Niedermeier, Kuzmanovic, Traore, Okazaki, Cacau, Pogrebnyak.
Hello and welcome to Goal.com's LIVE text commentary on the Bundesliga clash between VfB Stuttgart and Bayern Munich at the Mercedes-Benz Arena. My name is Tom Webber and you can tweet me your thoughts and musings on the game @thwebber and I'll select the best to share throughout the game.


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Riksbank Returns to Crisis-Level Rates to Prevent Deflation
Sweden's central bank cut its main interest rate by a more-than-estimated half a percentage point and predicted no increases until the end of next year to shield the largest Nordic economy from deflation.
The repurchase rate was reduced to 0.25 percent and the deposit rate to minus 0.5 percent, the Stockholm-based bank said today. Sixteen of 17 economists surveyed by Bloomberg forecast a cut to 0.5 percent. Governor Stefan Ingves and First Deputy Governor Kerstin af Jochnick were outvoted 4-2 on the board as they sought a quarter point cut.
The reduction will send "a clear signal that monetary policy will ensure that inflation approaches the inflation target within the reasonably near future," the bank said.
The bank in April signaled it was prepared to ease policy as soon as this month as it has faced a barrage of criticism over a failure to meet its target for more than two years. Policy makers, led by Ingves, have been reluctant to lower rates amid concern over record household debt and financial stability even as unemployment hovered above 8 percent.
The krona slid as much as 2.5 percent, and was 1.8 percent lower at 9.3311 per euro as of 10:35 a.m. in Stockholm.
'So Serious'
"What makes things so serious and that they vote for such a crisis rate is that they take a very serious view perhaps primarily of inflation expectations," said Robert Bergqvist, chief economist at SEB AB in Stockholm. "They would like to pretty quickly see an effect on inflation" through a weaker krona, he said.
Swedish consumer prices declined an annual 0.2 percent in May, falling for a fifth month. The Riksbank predicted today that consumer prices, excluding mortgage costs, will rise 0.6 percent this year, 1.6 percent in 2015 and 2 percent in 2016. The economy will expand 2.2 percent this year and 3.3 percent next year, according to the bank.
The European Central Bank today left its main rate at a record low of 0.15 percent and President Mario Draghi reiterated that he'll keep rates low for an extended period. The ECB last month unveiled a range measures to shield the euro area from deflation. The 18-nation economy is struggling to sustain a recovery amid weak credit growth, high unemployment and inflation at about a quarter of the ECB's goal.
Norway's central bank last month signaled it may also lower rates again to support economic growth.
Scandinavia's Worst
Nobel Laureate Paul Krugman have been among critics of the Riksbank and in April described its monetary policy as an example of "sadomonetarism" that was creating a deflationary spiral similar to that suffered in Japan. Lars E. O. Svensson, who used to work with Krugman at Princeton University, resigned from the Riksbank board last year after failing to convince the majority to focus more on inflation and unemployment.
Ingves, who has been the most vocal on risks from financial stability, also objected to the rate path and advocated a rate of 0.5 percent until 2016. It was the first time that a governor has been outvoted since the bank gained its independence.
Even as it slashed rates the bank raised its unemployment forecast for 2014 to 8 percent and predicted joblessness of 7.3 percent next year. Unemployment was 8 percent in May compared with 5 percent in Denmark and 3.3 percent in Norway.
Businesses Applaud
The rate cut was welcomed by Swedish business.
"The rate decision is great for us," said Lennart Evrell, chief executive officer at Boliden AB, a Swedish mining company. "Currency changes are very unpredictable and affect us a lot," he said, adding that a 10 percent move in the krona has a "1 billion effect" on Boliden's result.
Still, low rates have fueled borrowing. Property prices have almost tripled since 1995 while consumer debt has almost doubled to 175 percent of disposable incomes. That's prompted the government to increase capital requirements for its banks to curb lending and warn it may force amortization on mortgages.
"A low repo rate makes it more urgent for other policy areas to manage the risks linked to household indebtedness and to developments on the housing market," the Riksbank said today. "To reduce the risks it is not enough just to take measures to strengthen the resilience of the banking system; measures aimed directly at the households' demand for credit are also required."
Sweden's four-party government is trailing in polls ahead of Sept. 14 elections as the economy is struggling to pick up pace. Gross domestic product fell 0.1 percent in the first quarter as manufacturing confidence remains below the historical average. Exports in May were 12 percent below the level the same month two years earlier and little changed from 2013.
Krona Worry
Recent data suggest the economy is picking up as consumer confidence climbed last month, unemployment has showed signs of declining and manufacturing activity has accelerated.
Finance Minister Anders Borg last month said the Riksbank should make sure the krona doesn't climb in an "unreasonable way" to avoid damaging the export-reliant economy.
Borg has also suggested that lawmakers should consider letting an independent body examine how well the Riksbank is meeting its mandate. The Social Democratic party, which leads in polls ahead of September elections, has said it's open to such a discussion. It had earlier said that Sweden should consider introducing a dual-mandate for the Riksbank to include a target for the labor market.
"We have hit bottom in short-term interest rates and I think rather that the longer-term interest rates will start to go down," said Par Magnusson, chief economist at Royal Bank of Scotland. The rate cut "will probably help more than it normally does" since weak domestic demand is a bigger factor holding inflation down than normally, he said.


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NEW DELHI: Swapping of organs among unrelated donors has seen a massive spurt in India in the last two years.
Union health ministry data shows that while only 383 cases of unrelated organ donation was recorded in the country in 2009, the figure rose to 672 - almost a 75% increase since last year.
In 2011, cases of legal organ swapping that helped a patient undergo a successful transplant was the highest in Delhi (254), followed by Kerala (123), Punjab (94), Karnataka (83) and Maharashtra (77).
Stay updated on the go with Times of India News App. Click here to download it for your device.
Interest Networkitimes


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Ahmad Jamal has had a special relationship with Paris ever since his early performances there with Hampton Hawes. In 1992, he returned to this magical city to record this inspired live set.
Ahmad Jamal - Piano
Ahmad Jamal - Piano
James Cammack - Bass Guitar
David Bowler - Drums
Todd Coolman - Acoustinc Bass on 6
Gordon Lane - Drums on 6


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Which sex is the worst about washing up? Why is it so important? We've got the dirty truth on how and when to wash your hands.
Medicines That Cause Hearing Loss
Topic Overview
Medicines that damage the ear and cause hearing loss are known as ototoxic medicines. They are a common cause of hearing loss, especially in older adults who have to take medicine on a regular basis. In most cases, hearing loss occurs because the medicine damages the cochlea in the inner ear .
Hearing loss caused by an ototoxic medicine tends to develop quickly. The first symptoms usually are ringing in the ears (tinnitus) and vertigo. Hearing usually returns to normal after you stop taking the medicine. But some medicines can cause permanent damage to the inner ear. This results in permanent hearing loss even if you stop taking the medicine.
Commonly used medicines that may cause hearing loss include:
- Aspirin, when large doses (8 to 12 pills a day) are taken.
- Nonsteroidal anti-inflammatory drugs (NSAIDs), such as ibuprofen and naproxen.
- Certain antibiotics, especially aminoglycosides (such as gentamicin, streptomycin, and neomycin). Hearing-related side effects from these antibiotics are most common in people who have kidney disease or who already have ear or hearing problems.
- Loop diuretics used to treat high blood pressure and heart failure, such as furosemide (Lasix) or bumetanide.
- Medicines used to treat cancer, including cyclophosphamide, cisplatin, and bleomycin.
Hearing-related side effects are more likely when you take two or more of these medicines at the same time. If you are using more than one of these medicines, be alert to any new hearing problems. And report hearing changes to your doctor.
WebMD Medical Reference from Healthwise
Medicines That Cause Hearing Loss Topics
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Current Planets
25-Jul-2016, 04:19 UT/GMT
|51' 0"
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|Explanations of the symbols
|Chart of the moment
I. Introduction
This is a short extract from Liz Greene's Psychological Horoscope Analysis. The complete report of 18-25 pages can be ordered as an E-Horoscope or a bound booklet in the Astroshop.This horoscope analysis - using the insights of astrology and psychology combined with the tools of advanced computer technology - offers you an astrological portrait which is uniquely and individually focussed and which aims at providing greater self-knowledge. II. Your Psychological Type
This short chapter describes your typical or characteristic way of responding to situations in life.The rich array of individual attributes portrayed in your birth horoscope is set, as it is with everyone, against the backdrop of a certain temperament bias. We might call this bias your psychological "type". You are one of life's true romantics, because your reality is the inner world of fantasy and imagination. The limitations of daily life can bore you, and you try at every available opportunity to inject into mundane situations a note of the mythic and the meaningful. However, your romanticism is constantly being challenged by another side of your personality: your fear of disruption to your material security. Although you dislike being tied to routines which seem inconsequential and stifling, [...] [..] Your imagination, although powerful and constantly active, never runs wild into chaos, but is always supported by clear rational thought. Therefore, you are one of those rare people who are not only able to leap to conclusions through the uncanny irrational power of the [...] III. Character and Shadow
In this comprehensive chapter of the Psychological Horoscope Liz Greene provides valuable insights about your essential character traits.The interplay between the conscious and unconscious sides of you is a constantly shifting dance, changing at different stages of your life and altering according to the pressures and challenges which you encounter. The tension between the primary characters in your inner drama is the source of energy which provides your life with movement, purpose, conflict and growth. [..] In a crisis or emergency you can be practical enough, and somehow your survival instincts inevitably attract to you precisely the right people and situations to help you cope - although you would disclaim any responsibility for this, preferring to believe that it is just [...] [..] You not only believe that life ought to be fair, pleasant, luxurious and peaceful; you have a firm conviction that you are entitled to happiness, and that if you do not possess it as a permanent fixture then something has gone seriously wrong. It might surprise you to discover [...] Hidden traits [..] Despite your capacity to bounce back from hurts and disappointments with a positive philosophy and an undiminished faith in the ultimate higher purpose of all experiences, something in you does not recover so easily, and has perhaps never quite believed in all the fairness, [...] A minor character Concepts such as "humanity" and "society", which are merely abstract terms to many people, are very meaningful to you. Humanity is not only an idea in your experience, but a living reality; and the events which touch your personal life are immediately translated into broader [...] IV. The Family Background
In the complete horoscope analysis, this chapter deals with your family myths as well as with your perception of your parents and their relationship.Although you are an individual, you have emerged from a family background. Thus you contain certain inner patterns, myths and attitudes toward life which you have acquired from the psychological soil of this background. V. Relationship Patterns
This chapter describes attitudes, needs and characteristic patterns in close one-to-one relationships.Both astrology and psychology teach us that nothing that occurs within a relationship is chance. Your birth horoscope describes what you are like inside, and therefore what kind of patterns, needs and compulsions you are likely to bring into your relationships with others. You have a wonderfully romantic vision of love which, no matter how many knocks life gives you, never becomes wholly tarnished. But because you are really looking not for a fellow-romantic but for a companion who is worldlier than you and can protect you from the harder and darker aspects of existence, you tend to be attracted by a more realistic and earthier kind of woman. Such a relationship can be very creative for you, since you can enhance your partner's life with your vision of a better, [...] [..] It also means that you may need some rather unusual living arrangements - like separate rooms, or separate halves of a house, or travelling which takes you away from home occasionally - if you are contemplating a marriage or a permanent living arrangement with a partner. In [...] VI. Paths toward Integration
The final chapter of the Psychological Horoscope Analysis contains insights into the potential for growth as shown in your birth chart.The following paragraphs provide some suggestions of ways in which conscious effort might make it possible for you to achieve greater harmony between the different components within yourself, and to strengthen that centre of the personality which psychology calls the ego, the "I". Appendix
These small samples from different chapters convey an impression of your personal Psychological Horoscope which comprises 18 - 25 pages. It can be ordered as an E-Horoscope or bound booklet in the Astroshop. Please read a complete sample report (of a different person) to get an overview of the extent of the complete horoscope.You may wish to take a look at the range of our reports.


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When I wrote to you one year ago, just after assuming the role of the CEO, I laid out three broad goals for our bank. First, I wanted to improve the asset quality and maintain a sound and safe portfolio. Second, I focused on managing good liquidity and lower cost of funds throughout the year, which I figured would help generate high net interest margin and good profit after tax. Third, I wanted City Bank to be known for its smart and technologically advanced banking solutions in the various areas of its business. I want to reassure you that this three-fold focus has not been strayed from at any time and I would also like to reemphasize that I will not be complacent until we have fully reenergized our ever-continuing credibility with all our stakeholders.
2014 was a busy year for me as I had to meet and negotiate, in view of the prevailing macro market situation, week after week with our defaulter clients to make them regularize their borrowing exposures in order to free the bank from the ensuing NPL burdens. Our focus was on the improvement of asset quality and creation of selective new assets with the aim to maintain healthy portfolios. As this was done efficiently, we also simultaneously tried our best to ensure a good liquidity position and a lower cost of fund. That indeed gave us some additional strength. Like before, our effort has been to put in motion stable and predictable earnings; and to achieve meaningful long-term goals ensuring fundamental growth in every area. We kept our focus tight on our core businesses and never took the sight away from macro market conditions and from the cautious calculation of the associated risk factors.
Let me recap our progress in 2014 toward the realization of those goals and also let me lay out the agenda I have set for the bank for 2015 and beyond. In 2014, we passed another eventful year in terms of expansion and consolidation drives despite the tumultuous political and economic situation that prevailed throughout the year. Our triumphant journey continued as usual along the line of improving upon the trend-setting innovative banking solutions for which we are famous and well reputed already. We earned BDT 2,215 million as profit after tax – our largest profit till date. In this regard, we met and exceeded the commitments we gave to the Board earlier. With most advanced banks growing well below the levels that used to be taken for granted, and many emerging banks slowing considerably from their recent peaks, this result demonstrated the resiliency of our franchise and the talent of our people to perform even in a persistently challenging environment.
If I may now pinpoint a few macro-economic aspects of the past year, I would start by saying that despite various stresses faced by the financial sector, some positive developments also took place in the macro field in general and in the banking industry in particular. Gross international foreign exchange reserves continued to increase throughout the year. Inflationary pressure was at a tolerable single digit level. Liquidity position in the banking system also improved considerably as can be evidenced from continuation of low call money rate similar to that of the last year. Throughout the year call money borrowing rate continued around 7 per cent. Exchange rate of USD/BDT also witnessed a similar trend. It stayed around 77.7 level throughout the year. Bangladesh Bank actively fostered a stable and efficient financial system as part of its commitment to promoting the country's economic growth and sustainable development.
During the year we continued our efforts to further improve the deposit mix targeting a good reduction in the cost of funds. Our long-term endeavor to reach to the larger number of clients by providing easy access to technology driven services to the masses continued as well. The year also saw our networks expanding in a rapid pace with the introduction of different innovative modes of delivery channels. We ended the year with 112 online branches, of which 6 were newly added during the year; 250 ATMs that included 5 walk-up ATMs and 5 drive through ATMs – the country's first ATMs of such kind; a robust internet banking platform named Citytouch, which swiftly grew in popularity beating all our expectations; 20 cash deposit machines (CDMs); a fast growing priority banking and wealth management platform called Citygem, which received an additional center during the year; 2 separate state-of-the-art Call Centers for cards and retail / SME clientele; and an improved version of City Wallet – the basic mobile banking solution for urban customers. Additionally we rolled out 3 new branches of our foreign subsidiary CBL Money Transfer Sdn. Bhd., Malaysia, as the business is growing at a high rate and – needless to say – supporting the country's much needed supply of greenback. From that subsidiary of ours, we remitted BDT 1,330 million only to Bangladesh and an additional 78 million Malaysian Ringgit to countries like Nepal, Indonesia and Philippines.
It was not only in the expansion of our network both in physical and in digital sense where we took such bold measures. We also worked hard to change the deposit mix and to maintain a comfortable liquidity position. The deposits grew by BDT 11.3 billion in 2014 – from BDT 107.1 billion to BDT 118.4 billion. That testifies to the fact that under a highly competitive market condition, which further intensified with the opening of 9 new banks, we were able to achieve some modest growth in deposit mobilization. We succeeded not only in collecting such deposits but also in containing the market heat of higher interest rates by reaching favorable deposit mix as evidenced in our relatively low cost of funds. Our aggregate cost of funds was 6.3% at the end of 2014, which dropped from 7.0% of the previous year. Besides deposit, the loans and advances stood at BDT 116.62 billion at the end of the year from BDT 89.88 billion at the beginning, thus posting a growth of 29.8%. Moreover, we continued to diversify our lending portfolio without compromising the speed of growth. Our portfolios were successfully distributed across different sectors in order to reduce client specific and industry specific concentration and overall portfolio risk.
However, the rate of return on loans and advances reduced to 13.1% in 2014 from 15.1% of 2013. As you may remember, the market was excessively liquid by the end of 2013 and lending rates went through considerable reduction across the industry, such that the simultaneous reduction of deposit rates eventually could not avoid the 'neutralized' impact on net interest income. However, significant improvement was achieved on classified loan as a percentage of total loans, which reduced to 5.9% as of 31 December 2014 from 8.1% as of 31 December 2013. While our Operating Profit increased by 23.87%, the Profit after Tax increased by 143% from BDT 911.2 million to BDT 2,215 million. A major driving force of increasing profitability was the reduction of provision for loans, investments and other assets, which was BDT 1,540 million in 2014 compared to BDT 2,340 million the previous year.
In maintaining adequate capital against overall risk exposure of the bank, our guiding philosophy has been to strengthen risk management and internal control practices. Bank's regulatory capital as on 31 December 2014 stood at BDT 23.4 billion, out of which more than 7 billion was generated in 2014. As a result, Capital Adequacy Ratio – under Basel II –was recorded at 15.4% against regulatory requirement of 10.0%. It happened mainly due to the injection of BDT 3 billion worth of Subordinated Bond for strengthening our Tier–II capital, and also due to profit made during 2014 and the revaluation of the real estate properties we own. This enhancement of capital has already enabled us with enormous opportunities for business growth in the coming years.
In 2014, our bank conducted environmental risk rating for 156 projects it financed, which was worth BDT 20 billion, out of which 144 projects were rated as 'low risk' as per Bangladesh Bank ENVRR Rating Scale. Additionally we have approved 'green financing' for BDT 3,100 million in the year. We support green initiatives wholeheartedly and as part of this initiative we installed solar panels in 5 branches and 11 ATMs in 2014. Global Climate Partnership Fund (GCPF) also approved US$ 30 million credit line for such initiatives. This of course has strengthened our hand further in our endeavor to becoming a 'Go Green' institution.
2014 has been a good year in terms of our CSR activities too. This year, we focused on diverse areas of social development ranging from community health to disaster management, sports, education, and support for underprivileged women and children. Sponsoring the national program "LakhoKonthe Sonar Bangla", supporting SEID Trust for the underprivileged children with disabilities, supporting the Development Studies Dept. of Dhaka University, standing beside the Institute of Bankers Bangladesh, establishing computer labs to support ICT education, standing by the nation during disasters like flood, distribution of seeds to flood affected farmers, distribution of winter clothes to a vast population who were suffering from the chill of winter – these were just a few of the very modest steps we took to support and develop the community we reside in.
We all know that in 2014 our brand was recognized internationally by many reputed institutions. At the heels of the progress and development we kept on making, the awards and accolades kept on coming our way in rapid succession. We received major awards like 'Best Bank in Bangladesh - 2014' from Euromoney; 'Best Consumer Internet Bank in Bangladesh - 2014' from Global Finance; 'Best Commercial Bank in Bangladesh - 2014' from FinanceAsia (for the second time); 'Best Online Banking Initiative of the year-2014' from Asian Banking & Finance and so on.
All these international awards echoed what the home market has long been voicing, i.e.,City Bank has crossed the threshold of being 'local' to 'international' in terms of its adopting the global best practices in banking.
We have commenced the journey into 2015 with much gusto and with a brave blueprint in hand. Currently we are working on launching, just to name a few, the following: full-fledged Agent Banking services, Co-branded credit and prepaid cards, EMV / chip switchover, remittance companies in other countries, corporate module of Citytouch Internet Banking, the next version of the core banking system, Citygem Priority Banking in terms of product-build for the super high-net-worth segment, Preferred Banking for the mid-wealth segment at the branches and so on.
I always believe in attracting, developing and motivating the very best individuals and encouraging our in-house talent pools. In result, staff turnover rate improved from 11% to 8% from 2013 to 2014. Building a robust and productive workforce is crucial to our highly technology oriented work environment. We always keep that in mind and we, therefore, continuously run training programs for the ones who need catching up. In the year in question, 3,143 staff members including contractual staff have been trained as per the approved training calendar. Recently we started recruiting Management Trainees every year. The future leaders of this bank are very likely to come out from that pool. I believe this regular recruitment of Management Trainees will ensure continuity of the leadership over the years.
Now I will talk a little bit about our broader operational philosophy. We will focus on building the right client base: those institutions and consumers who best fit our business model and for whom we can create the most value. We will further streamline and rationalize our systems and processes by striking the right balance between efficiency-boosting standardization and the flexibility and empowerment necessary for our people to best serve our clients. And we will also look to save time and money by consolidating our operations and by minimizing costly fragmentations. Much of the resources we save will be reinvested in our businesses where the greatest returns can be generated and, in particular, will be dedicated toward improving our technology and digital presence. For example, we have recently launched web based E-token system for customers who want to visit our branches so that they can book their appointments and time slots well in advance. I personally believe that the financial impact of a fraudulent activity can be calculated but the harm to our credibility will be harder to gauge. Credibility is the currency that allows us to meet our goals. That is true of our clients, the core constituency we aim to serve every day; that is true of our regulators, who grant us our license to do business; that is true of our employees, whom we need to attract by making City Bank the best place to work; and that is true of our shareholders, whose trust we require to succeed and which we will continue to strive to earn.
Finally, on this auspicious occasion of publishing our Annual Report, I take the opportunity to thank our valued clients, patrons, well-wishers and honorable shareholders for their active support, cooperation and strong association with us over the years. I also gratefully acknowledge the extraordinary support of our Chairman Mr. Rubel Aziz who not only made it possible for us to succeed but also, many a times, led the way himself after making us dream big. The cooperation and support from the esteemed Board of Directors cannot go unacknowledged either. Ours is a Board of some talented and committed business people who value good governance, transparency and long-term institution building over short-term profit making at all times. My gratitude to the Chairman and the Board of Directors for everything they are doing in order to ensure a sustainable future for this 33-year-old franchise.
City Bank is undoubtedly one of the most respected and top banking brands in the country today. It is a matter of pride for me to be able to sit at the helm of affairs of such an institution. I will surely do my best to repay your trust and confidence.


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After my posts publish, the Facebook LIKE button has disappeared. It happens only to my posts -- each post by our other authors has the button intact.
Have I inadvertently unchecked a box? Could this originate with FB for some reason (no reason to censor or anything)? Anybody experience this? Thank you!


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Home / COMMENT / Downstream
Aramco, SABIC: no plans to merge petchem business
Saudi Arabia's top industrial giants denied media reports claiming the companies might merge their petrochemical operations
|Aramco and Sabic to sign MoU for joint project
|Sabic highlights sustainability efforts
|Fire at Sabic subsidiary kills 12, injures 11
Comment: opportune times for downstream producers
Mirko Rubeis of Boston Consultancy Group discusses opportunities presented to refiners by lower oil prices
Saudi Arabia moves downstream
Saudi Arabia is already a major player in the GCC's refining and petrochemicals sector
Qatar: A land of downstream opportunity
Qatar is developing a competitive and diversified economy
Qatar: a land of downstream opportunity
Qatar's diversified economy secures prosperity in present and future
How do we create sustainable growth downstream?
EPC's Andy Gibbins discusses how petchem sector can grow sustainably
China's economy pushes GCC petchem strategy reform
As China slows down, petchem players will need to rethink their future
GCC's downstream sector needs to fill skills gap
Dr. Abdulwahab Al Sadoun discusses the region's need for more training
Qafco chief stresses on sustainable production
Invest in mineral fertilisers to prevent damage to environment
Downstream comment: The Value Proposition
John Hague, Senior VP and MD for MENA at Aspentech, on value creation
Invensys: the benefits of refinery simulation
Simulations can add value to the refinery design process
2 Comments
Why weren't you in the downstream top 100?
Region's petchem companies confirmed that 2009 was a year of turmoil
Highlight of the year?
If you didn't attend the annual forum of GPCA
Aramco enters new era
Arrival of Petrorabigh in March will spur Saudi Arabia's downstream industry
2 Comments
No more shocks
Greater collaboration might be the answer to 2009's questions.
Feedstock frenzy
The Middle East's refining and petrochemical industry is on the cusp of greatness, with growth figures in some sectors exceeding 1000%.
In Picturesmore »
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BIRMINGHAM, Ala. (AP) - A fugitive wanted in Cleveland, Ohio, has been captured in the Birmingham area.
Jefferson Co. Sheriff's Lt. Randy Christian said deputies arrested 24-year-old Rafael Robinson Tuesday night near 9th Avenue North.
Robinson, a fugitive since Sept. 2007, is wanted for murder, attempted murder and felony assault.
He awaits extradition to Ohio.
(Copyright 2008 by The Associated Press. All Rights Reserved.)


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Find a copy in the library
Finding libraries that hold this item...
|Electronic books
|Additional Physical Format:
|Print version:
Tax policy and the economy. 21.
Cambridge, Mass. : MIT Press, ©2007
|Material Type:
|Document, Internet resource
|Document Type:
|Internet Resource, Computer File
|All Authors / Contributors:
James M Poterba; National Bureau of Economic Research.
|9780262281867 0262281864
|OCLC Number:
|1 online resource (xvi, 184 pages) : illustrations
|Medicaid crowd-out of private long-term care insurance demand: evidence from the health and retirement survey / Jeffrey R. Brown, Norma B. Coe, and Amy Finkelstein --
Unemployment insurance savings accounts / Martin Feldstein and Daniel Altman --
Evaluating effects of tax preferences on health care spending and federal revenues / John F. Cogan, R. Glenn Hubbard, and Daniel P. Kessler --
Does it pay, at the margin, to work and save? Measuring effective marginal taxes on American's labor supply and saving / Laurence J. Kotlikoff and David Rapson --
Federal tax policy towards energy / Gilbert E. Metcalf.
|Other Titles:
|NBER tax policy and the economy annual vol. 21.
Tax policy and the economy 21
|edited byJames M. Poterba.
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- Fiscal policy -- United States.
- Taxation -- United States.
- Taxation -- Law and legislation -- Economic aspects -- United States -- Periodicals.
- BUSINESS & ECONOMICS -- International -- Taxation.
- Fiscal policy.
- Taxation.
- Taxation -- Law and legislation -- Economic aspects.
- United States.


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SUMMARY: Prospects for your products and services can come from anywhere and show up at almost any time. But how do you get those leads in the first place and keep them warm once theyre in the pipeline?
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"The island of Isabella" Isola Bella by Manara
Isola Bella Travel Guide: 39 reviews and 135 photos
Isola Bella means Beautiful Island in Italian, and although the name tells the truth, its origin is not in the beauty of this place.
The Count Charles III Borromeo who bought this island to build there his palace, renamed it to honour his wife, Isabella.
This island is in Lago Maggiore. If you are interested, you will learn something more about this beautiful lake and its other islands by reading my tips.
- Pros:Beauty all around, and a good deal of history
- Cons:Lots of visitors in the high season
- In a nutshell:A place that makes one say "Only in Italy..."
Reviews (9)
The Isola Madre has more exotic birds than Isola Bella, but on both islands you will find the impossibly beautiful white... more travel advice
The island is open to visitors from the last Saturday of March to the last Sunday of October, but if you want to see it... more travel advice
We must also remember that gardens like these were the background for courteous life, for sets of people who had learned... more travel advice
Our idea of a garden or a park is likely to consist of a green lawn, shady trees, maybe the bend of a stream. We forget... more travel advice
Comments (8)
Interesting to learn why and how such a grand palace was built on a small island. Up to now I have only seen Lago Maggiore from the train window. Must return sometime for a proper look.
What a lovely tourist destination! Isola Bella is simply stunning with lovely architecture, statues and gardens. We must visit Isola Bella one day. ~ho & pang
Hi Anna - At first glance I thought that was a spray of water - nope, the extraordinary white peacock - and you caught it in full spread - just beautiful! Ok, on to Magiore with you now.
Very interesting page and Infos!Thank you!
Hai delle pagine bellissime! Un po' alla volta voglio vederle tutte.
what a marvellously interesting page - and wonderful photos - i adore than white peacock
This place is spectacular ( again love the pheasant - male ) and your pictures and commentary are so enlightening. On the other, Isola dei Pescatore looks like a perfect village indeed. Thanks for sharing. N.
I am impressed. You write so little and at the same time you say so much!
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Hi again,
I've been testing Transposh and I'm having problems with the homepage. When I try to visit my homepage in a language different from the default one the site doesn't load. In a single post, however, It works like a charm.
I've tried with different themes and uninstalling all the plugins with no luck. I also tried to update the permalink structure every time with no result.
Here's a link to my site in Spanish (it doesn't work) http://recursoswordpress.com/?lang=es and to a single post (it works fine) http://recursoswordpress.com/temas-wordpress/blog-magazine/extragrid-creative-blog-multimedia-theme/?lang=es
Also, if you try to load it in de default language it works well.
Hope you can help me with this. Thank you!


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, Volume 46, Issue 2, pp 105-119
First online:
The Health Promoting Properties of the Conjugated Isomers of α-Linolenic Acid
- Alan A. HennessyAffiliated withTEAGASC, Moorepark Food Research CentreAlimentary Pharmabiotic Centre
- , R. Paul RossAffiliated withTEAGASC, Moorepark Food Research CentreAlimentary Pharmabiotic Centre
- , Rosaleen DeveryAffiliated withNational Institute for Cellular Biotechnology, Dublin City University
- , Catherine StantonAffiliated withTEAGASC, Moorepark Food Research CentreAlimentary Pharmabiotic Centre Email author
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The bioactive properties of the conjugated linoleic acid (CLA) isomers have long been recognised and are the subject of a number of excellent reviews. However, despite this prominence the CLA isomers are not the only group of naturally occurring dietary conjugated fatty acids which have shown potent bioactivity. In a large number of in vitro and in vivo studies, conjugated α-linolenic acid (CLNA) isomers have displayed potent anti-inflammatory, immunomodulatory, anti-obese and anti-carcinogenic activity, along with the ability to improve biomarkers of cardio-vascular health. CLNA isomers are naturally present in high concentrations in a large variety of seed oils but can also be produced in vitro by strains of lactobacilli and bifidobactena through the activity of the enzyme linoleic acid isomerase on α-linolenic acid. In this review, we will address the possible therapeutic roles that CLNA may play in a number of conditions afflicting Western society and the mechanisms through which this activity is mediated.
KeywordsCLA Catalpic Eleostearic Calendic Punicic Cancer Obesity Atherosclerosis Inflammation
Reference tools
- Title
- The Health Promoting Properties of the Conjugated Isomers of α-Linolenic Acid
- Journal
Volume 46, Issue 2 , pp 105-119
- Cover Date
- 2011-02
- 10.1007/s11745-010-3501-5
- Print ISSN
- 0024-4201
- Online ISSN
- 1558-9307
- Publisher
- Springer-Verlag
- Additional Links
- Topics
- Keywords
- Catalpic
- Eleostearic
- Calendic
- Punicic
- Cancer
- Obesity
- Atherosclerosis
- Inflammation
- Industry Sectors
- Authors
- Alan A. Hennessy (1) (3)
- R. Paul Ross (1) (3)
- Rosaleen Devery (2)
- Catherine Stanton (1) (3)
- Author Affiliations
- 1. TEAGASC, Moorepark Food Research Centre, Fermoy, Co. Cork, Ireland
- 3. Alimentary Pharmabiotic Centre, Cork, Ireland
- 2. National Institute for Cellular Biotechnology, Dublin City University, Dublin, Ireland


text:
HHW Next To Blow Artist Denzil Porter [Exclusive Freestyle]
Ray J Denies Engagement To Mia Milano
Dr. Dre Moves Business To Ireland To Avoid Taxes
[NEW VIDEO] Big Sean "GUAP"
Rapper AP.9 On CoCo Risque Pics "I'm Not Afraid of Ice-T And I May Ha...
Breaking: Evelyn Lozada REUNITES With Chad Johnson To Drop Restraining Order (Cou...
[NEW MUSIC] T.I. Ft. Kendrick Lamar, B.o.B. & Kris Stephens "Memories ...
Wiz Khalifa Reveals Amber Rose Suffered Miscarriage Before Current Pregnancy
Feast Your Eyes On The $5 Million Watch Beyonce Bought Jay-Z For His Birthday
New Video And Mixtape From Young Jeezy: Its Tha World
Evelyn Has One Question for Chad
Chad Incriminates Himself And Evelyn (Tweet)
HHW's unique celebrity weekly-format and 26x frequency have made it the #1 news and entertainment source for young adults.
Copyright © 2014 Hip Hop Global Media, LLC.
All Rights Reserved.


text:
Downtown San Diego's Petco Park from the rooftop bar of nearby Marriott Hotel.
Huntington Beach, CA
Downtown Chicago, Ill
Washington D.C.
Vietnam Wall, Washington DC
Path leading to Lincoln Memorial, Washington D.C.
New York, 2005
Unknown Laundromat, Fresno, CA
Getty Museum, Los Angeles
Los Angeles Skyline from the Getty Museum
From the 74/Ortega Hwy in South OC
Taken at 2am w/ a 60 sec exposure. The shadows from the street lamps give it away.
Transparent effect created by standing in two different positions during a 30 second exposure time.


text:
updated 01/12/2009 AT 2:15 PM ET
•originally published 01/12/2009 AT 2:25 PM ET
Now here's a role Vanessa Hudgens would like to sink her teeth into.
The High School Musical star has auditioned for the part of werewolf Leah Clearwater in the Twilight sequel New Moon, according to Ashley Green, who played Alice in Twilight.
"I think she'd be great," Greene tells MTV.
As Leah, Hudgens, 20, would be a foil to Taylor Lautner, who will reprise his role as werewolf Jacob Black.
In the Stephenie Meyer novels, Leah is her pack's lone female werewolf – and a jilted one, at that. Unlike Hudgens's Gabriella in HSM, Leah experiences heartbreak, being ditched by classmate (and fellow werewolf) Sam Uley.
Read more about the stars of Twilight!
Inside Vanessa's HSM romance with Zac Efron!
From Rob to Kristen, see edgy fashions from Twilight's stars


text:
Circulate® (60 capsules, 1-month supply)
Item## CIR
…support Maintaining a "healthy heart" goes far beyond just taking care of your heart itself. It's critical to pay equal attention to the other parts of your cardiovascular system—specifically, your arteries, veins, blood vessels, and your blood itself. In other words, your circulatory…


text:
Who Are They?
In a quiz that Will Shortz does every year at this time, he'll name people who became famous in 2006, and who no one had heard of before the past 12 months.
Challenge from Dec. 24: From listener Stuart Parker of Durham, N.H.: Think of two words, one starting with O, the other starting with R. Both end with ING, and they have the same number of letters. In one sense, the words are synonyms and in another sense they're antonyms. What are the words?
The answer: (Outgoing and Retiring)
Winner: Marilyn Pollack from San Antonio, Texas
Challenge from Dec. 31: Think of a familiar two-word phrase, in the form, BLANK-OIL. And another familiar two word phrase, in the form, OIL-BLANK, in which the two words in the blanks are anagrams of each other. Here's a hint: Each of the anagrams is a regular four-letter word. What phrases are these?
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text:
Apotop SmartSuit Slim SD Card Drive for Apple Macbook Air/Pro, 3 Color Set
Company: Apotop
Price: $19.99
Looking for more disk space on your MacBook but you're on a budget? If you have a MacBook Air or Pro with a SD card slot, you can inexpensively expand your disk space up to 64GB.
About Vicki Stokes
Vicki is a IT professional working in the Silicon Valley. Listen to her podcast, 3 Geeky Ladies, co-hosted with Suzé Gilbert and Elisa Pacelli.
- Web |
- More Posts (39)
Apotop Wi-Reader DW09
Company: Carry Technology
Price: $79.99 on newegg.com. Curiously, not available on Carry Technology web site, or anywhere else I could find.
The Apotop Wi-Reader DW09 is a portable wireless reader/router that can help with iDevice storage capacity. It uses either USB flash drives or SD/SDHC/SDXC cards in FAT/FAT32/NFTS/exFAT file formats to transfer data to and from iPads or iPhones. No computer is needed. Think of it as your own personal storage cloud.
Continue reading »
Continue reading »
About Elisa Pacelli
Elisa is a wife, mother to 3 boys, "creative genius", and all-around techno geek. She enjoys reading, quilting, knitting, cruising to Caribbean beaches, and learning new things in the technology world. In the evenings Elisa can be found knitting while listening to podcasts or watching Netflix on her iPad. Listen to her podcast, 3 Geeky Ladies, co hosted with Suzé Gilbert and Vicki Stokes.
- Web |
- More Posts (168)


text:
Spring Break in Panama City
Published: Wednesday, April 28, 2010 at 8:28 p.m.
Last Modified: Wednesday, April 28, 2010 at 8:28 p.m.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.
Comments are currently unavailable on this article


text:
I recently picked up a packet of bawdy ephemera in an antique store: flyers, pamphlets, booklets, and sheets of sexual and scatological jokes and verses, all apparently from the 1930s. Eleven of them were published by the Swan Publishing Co., in Elizabeth City, N. C. An internet search turned up nothing about it. However, one […]
Entries Tagged as 'Ephemera'
W. O. Saunders and the Swan Publishing Co.
September 21st, 2015 · 1 Comment
Tags: Ephemera
Memorable Magazines (4): The Hollow Hassle
August 25th, 2015 · No Comments
The Hollow Hassle was a newsletter devoted to the idea that the earth is hollow, published by Mary J. Martin in the 1970s and '80s. I don't know how long it lasted, but I note that a collection has been published. There weren't many hollow earth newsletters; it's a fascinating glimpse of a curious subculture. […]
Musical Calling Cards
May 19th, 2015 · 1 Comment
At one time, many people were musically literate, and music was printed on calling cards. These two examples are 1 1/2 by 2 3/4 inches, printed in black, and colored by hand. People had better eyesight then too, I suppose. The music on the second one is rather badly printed; maybe it was intended simply […]
Memorable Magazines (3): Beyond
April 27th, 2015 · 3 Comments
The success of Fate, started in 1948 by Ray Palmer and Curtis Fuller, inspired many imitations. Among the trashiest was Beyond, which put out its first issue in September 1968, published by Bernard S. Adelman and edited by Keith Ayling. It began as a digest, changing to a larger format in September 1969. I don't […]
Illustrations and Designs for General Use
January 6th, 2014 · 4 Comments
Happy New Year! I'll get started with a few pages from Illustrations and Designs for General Use, published by Speed-O-Print in 1944. It's a box containing a hundred sheets of artwork, to be traced for stencil duplication. There are many graphic delights on those pages; here are three examples. As always, please click to enlarge. […]
Tags: Ephemera
Escort Cards
November 11th, 2013 · 2 Comments
I am, for some reason, preoccupied with the many uses of that most ubiquitous and disposable of printed items, the cardboard rectangle. The following is a selection of "escort cards," which eligible gentlemen would once use to ask to walk a lady home. They featured verses, illustrations, and rebuses, all in the service of formal […]
Tags: Ephemera
Fortune Telling Cards (6)
July 24th, 2013 · 5 Comments
Harry Ingalls, "the greatest fortune teller in the world," made the unusual choice to put his portrait on each card in his deck. And each of those cards, as you can see, offers a variety of fortune telling options, framing that searching gaze. The box is even busier, a sort of carnival poster in miniature. […]
Tags: Card Games · Ephemera
LIttle Blue Books by Forteans (3): John Cowper Powys
July 16th, 2013 · 4 Comments
John Cowper Powys was a Founder of the Fortean Society, and professed himself delighted with Fort's work. Although remembered today mostly for his fiction, his contributions to the Little Blue Book catalog were all essays. His first was #112, The Secret of Self Development; it was followed by #414, The Art of Happiness, and #435, […]
Fortune Telling Cards (3)
May 30th, 2013 · 6 Comments
Of course, if you have any gumption, you'll design your own fortune telling cards. Above is one of the cards from a Tarot deck by the remarkable Argentine artist Xul Solar (1887-1963). His deck includes curious personalities such as this (Gemini?), as well as more traditional trumps. And deities from other traditions, such as Bes […]
Tags: Card Games · Ephemera
Membership in the Fortean Society
May 28th, 2013 · 10 Comments
The activities of the Fortean Society, apart from Tiffany Thayer's magazine Doubt, are somewhat unclear. Perhaps that was intentional; as Thayer said, with his usual bravura, "Many details of Fortean endeavor are necessarily surreptitious, because any activity with the avowed intention of causing men to think for themselves and to cherish self-respect is opposed in […]


text:
Hostel Paradiso Hostel
Trg Maršala Tita 10. / Gregorčičeva ulica 2, Tolmin, Slovenia
Atmosphere 60%
Cleanliness 80%
Facilities 60%
Location 87%
Safety 47%
Staff 73%
Value 40%
What's Included
- Breakfast
- Linen
- Luggage Room
- Towel
- Free Breakfast
- Free Wi-Fi
- Bar
- Bicycle Parking
- Board Games
- Cable TV
- Common Room
- DVDs
- Free Internet Access
- Free Parking
- Hot Showers
- Internet Access
- Linen Included
- Luggage Storage
- Parking
- Steam room
- Tours/Travel Desk
- Towels Included
- Towels for hire
Check-in / Check-out
Earliest check-in: 08:00
Latest Check-out: 10:00
- Credit Cards Accepted
- Non Smoking
- Taxes Included
Group booking?
Group of 15 or more traveling to Tolmin?
Shared Rooms
Standard 18 Bed Mixed Dorm
Sleeps 18
Room types
Shared Room
Shared Bathroom
Private Rooms
Basic Twin Private Shared Bathroom
Sleeps 2
Room types
Private Room
Shared Bathroom
Basic 4 Bed PRIVATE Shared Bathroom
Sleeps 4
Room types
Private Room
Shared Bathroom
About Hostel Paradiso
Hostel welcomes travelers of any age from all over the world. Total area of approximately 280m2 guarantees an above avarage accomodation area per person.
You can spend your leisure time playing: Monopoly, Risk, Ludo, Roulette and different types of card games: Poker, Tarok, Sechsundsechzig (Schnapsen), Solitaire…
There are various book collections available of different genres, TV, movies and cartoons on DVDs, FREE wireless internet access or FREE internet network.
At the reception desk in our hostel you can get all the necessary information about Tolmin, its history and activities which can be spent in the valley of the emerald river Soca.
The price includes breakfast which is served in our bar or external terraces. The bar is open daily from 7.00 am to 23.00 pm, Fridays and Saturdays until 24.00.
In addition to good atmosphere in the bar, pleasant service and good music, we recommend a cup of our coffee Illy and maybe a slice of our cakes and pies, which we have always fresh.
Accommodation Information
HOSTEL PARADISO is located on the first floor of Paradiso bar, in the center of Tolmin. It is suitable for travelers, passers-by, younger and older single travelers, but also families. Room options include four combined rooms. It offers a total of 26 beds.
-Room 1 of approximately 18m2 has two queen-sized double beds and it is suitable for a family or two couples.
-Room 2 and Room 3 of approximately 8.5m2 each, are equipped with one queen-sized double bed.
-Room 4 is the largest, equipped with 7 bunk beds and two queen-sized double beds.
Towels, bed sheets and linen are provided. All rooms have shared bathrooms with 24hr hot showers.
All the rooms are very simple and attractive, with the interior furniture – bunk beds, tables, beds – handcrafted of solid wood. Everything in the room and Hostel itself is made of spruce, oak and mahogany wood. There is a closet for every guest to use, an armchair or a settee, a table...
Location Information
Hostel Paradiso
Trg Maršala Tita 10. / Gregorciceva ulica 2
SI - 5220 Tolmin
Because of its location, it is very close to all the main buildings. Gas station, grocery store, restaurant-pizzeria, farmacy, health care center, bus station, bank, post office, museum and library are just a step away.
The surrounding nature offers many possibilities to do sports – in summer you can swim in the beautiful emerald Soca river or enjoy the rafting, you can try canyoning, go cycling, free climbing, experience the adrenalin of a tandem paragliding flight or hike to one of the nearby hills or pastures, where you can taste delicious homemade cheese.
If you are a true adventurer and you like to discover hidden places, natural and cultural attractions, we recommend you visit them. In the vicinity of Tolmin you can visit Tolminka basins and Dante's cave, or Kozlov rob with the ruins of a medieval castle at the top, or hike up some of the surrounding hills, which have outdoor museums, as a reminder of the I. WW. One of the most beautiful monuments is definitely a Memorial Church of the Holly Spirit at Javorca.
Tolmin is also becoming known for it's festivals. This piece of paradise is home to Metalcamp, Reggae Riversplash, Sajeta, Soc'n fest and many other festivals. Something for everyone....
Cancellation Policy
Customers can cancel their reservation free of charge up to 1 day before arrival. After this date, charges will be applied by the property up to the first nights cost of the reservation, unless otherwise stated in the property's conditions. Deposits paid are non refundable.


text:
I use WP 2.7 with NG 1.01.
I am using the ng-slideshow in a Page!
Now I want with every change of the picture the individual description shown next to the slideshow.
I tried a lot of things and looked through google and this forum but i didn't find an answer. I would prefer a php code that i can put in my page file.
Anyone an idea?


text: More from SI Virginia Tech plans to break ground on $18 million extr... Virginia Tech plans to break ground on $18 million extr... Mississippi State shows off new football uniforms to ce... Mississippi State shows off new football uniforms to ce... Washington Huskies unveil revamped football uniforms Washington Huskies unveil revamped football uniforms Photos: Florida State releases new-look football unifor... Photos: Florida State releases new-look football unifor... Notre Dame expanding, modernizing Notre Dame Stadium in... Notre Dame expanding, modernizing Notre Dame Stadium in... Fresh comfort coming in complete overhaul of Sun Devil... Fresh comfort coming in complete overhaul of Sun Devil... Keeping up with Oregon: USC starts L.A. Coliseum modern... Keeping up with Oregon: USC starts L.A. Coliseum modern... Close Tweet0 Share0 Comment0 Share0 Share0 Stumble It0 Print0 More Campus Union ACC reveals final five bowl partnerships by Martin Rickman Twitter Email Posted: Wed Aug. 7, 2013 Pitt fans, rejoice: The Panthers could return to Birmingham for a fourth consecutive season. (Michael Wade/Icon SMI)By Martin RickmanY'all ready for more Beef 'O' Brady's in your life? Good, because the ACC locked up partnerships with that bowl and four others, the league announced in a release on Wednesday. The ACC will continue its relationships with the AdvoCare V100 Bowl in Shreveport, La., and the Military Bowl in Washington, D.C., while adding the Birmingham Bowl and a new bowl to be hosted at Ford Field in Detroit.These deals give the ACC a minimum of nine guaranteed bowl berths from 2014-19, with that total expanding to 10 in 2014 and '16. The conference previously announced partnerships with the Orange Bowl, Russell Athletic Bowl, Capital One Bowl, Sun Bowl, Music City Bowl, Gator Bowl, Pinstripe Bowl and, of course, the bowl hit of the winter, the Belk Bowl.Extended time in St. Petersburg included, this isn't the best group of bowls for the ACC, which has been trying to show how solid and put-together it is since the latest round of realignment. Positive affirmation is never a bad thing, friends. The top three bowls (Orange, Russell, Capital One) are strong, the Music City and Gator bowls are underrated and it will be fun to see ACC fans in New York City for the Pinstripe. The Belk Bowl has also put on some competitive games since changing its name from the Tire Bowl. I think the most exciting announcement here is the Detroit bowl (although the continued partnership with the Military Bowl isn't a bad thing at all). This gives the ACC more traction in the Midwest (along with the partial membership of Notre Dame), and it never hurts to make a recruiting dent in Michigan, Ohio, Indiana, Illinois and Pennsylvania. It also shows a bit of a bridge to new member Pittsburgh, who deserves to feel at home once in a while. (So does the bowl game in Birmingham, a destination the Panthers are more than familiar with at this point. After three straight bowls there, they probably own a condo by now.) More Campus Union


text:
Welcome to Ashton under Hill
Picture by Jo Brown
picturesque village of Ashton under Hill is situated
in the south of the county of Worcestershire, England, at the
eastern end of Bredon Hill and overlooking the Vale of Evesham.
The northern Cotswolds are close at hand and nearby towns include
Evesham, Pershore,
and Tewkesbury.
Formerly part of the county of Gloucestershire, Ashton under
Hill is now in the Wychavon
district of Worcestershire.
Ashton under Hill was for many years the home of Fred Archer, author and farmer. The village and its characters featured in many of Fred's books about country life.
If you're navigating to Ashton with a satnav the postcode WR11 7SW will bring you to Elmley Road in the heart of the village.
Live weather information for
Ashton under Hill
Death's Head Hawk Moth in Ashton! Click on the image to read a fascinating illustrated story, with video.
Picture by Jeremy King. See more in our Wildlife Gallery
Flowers and thatch
Picture by Jo Brown
Ashton village cross - a scheduled ancient monument
An aerial view of Ashton;
Jeremy King
Ashton Free Church;
Roger Umpelby
St Barbara's Church, Ashton under Hill
more pictures in our
How to find
Ashton under Hill
New According to Cotswold Life Ashton under Hill is one of the prettiest places to visit in the Cotswolds. Click here to see the full article. We can't help but agree of course!
Steve Gledhill, is a photographer living near Evesham and he is hiking on Bredon Hill throughout 2016 with his camera. His blog has a fascinating selection of images of Bredon Hill, including some of Ashton under Hill. Click here to see some of Steve's photography on Bredon.
The Parish Council is delighted to report a successful outcome to ongoing negotiations with Wychavon District Council over urgent footpath repairs in the village. More details here.
The Parish Council has discovered some amazing film footage of our village celebrating the Coronation in 1953 shot by Tom Archer. It is followed by a film of the Silver Jubilee celebrations originally shown on BBC2 in 1977. Please click on the image to view.
A Local Oil Buying Club based in Sedgeberrow is now in full swing and has members in Ashton under Hill. Click here for more details.
Find out about policing and crime in our area. Click here to visit the police.uk website
Notice from Neighbourhood Watch on how to report fly-tipping
New July 2016 issue of the Beckford Group Parish Magazine
New Playgroup details updated
New Minutes of the Annual Parish Council Meeting on Tuesday 10 May 2016
Minutes of Parish Council Meeting on 15 March
Spring 2016 issue of Ashton News our village newsletter with a local contact list
Evesham and District Mental Health Support Services newsletter
Ashton WI's activities in February and March
The illustrated story of a Death's Head Hawk Moth Caterpillar found in Ashton; by Roger Umpelby
Latest Superfast Worcestershire Newsletter, with news of improvements in broadband coverage in Ashton.
December 2015 Newsletter from the CATCH project in South Africa, supported by St Barbara's Church.
Ashton 'Chain Gang' Report Christmas 2015
Gardening Club programme for 2016
Preparing for a Power Cut or Emergency - view or download a useful leaflet from Western Power Distribution
Ashton under Hill Fete and Produce Show 2014
Bus timetables for 540 Evesham-Ashton-Tewkesbury service
Horizon - the weekly newsletter of Bredon Hill Middle School
Ashton 88 Football club
Ashton Tigers junior footballers
Ashton under Hill Village Information Booklet
Ashton Community Centre
Ashton Cricket Club
Ashton First School
Ashton Information Booklet (PDF)
Ashton in Old Photos
Ashton News
Ashton Open Gardens
Ashton Snowline
Ashton WI
Beckford & District Gardening Club
Beckford Village Hall
Bredon Hill Group of Churches
Bredon Hill Middle School
BHMS Horizon Newsletter
Bredon Village website
Bus Timetables for Evesham-Tewkesbury Service No 540
Family History
History of Ashton
How to Find Ashton
Local Police
Online guide to Worcester area
Overbury Village website
Parish Music
Parish Council
Parish Magazine
St Barbara's Church
The Star Inn
Village Contacts
West Mercia Police
Useful Information
Old Photos of Ashton
Ashton Open Gardens
What's On at the Evesham Arts Centre?
Ashton under Hill Cricket Club
Bredon Hill Postboxes (including two in Ashton)
Ashton under Hill Conservation Area description and map
Ashton under Hill Village Plan 2006
Bell Ringing at St. Barbara's
Websites of neighbouring villages
A wartime aircrash in Ashton


text:
2013 - November Dodge Ram Member Of The Month
Sponsored by:
We are pleased to sponsor the MOTM by offering $100 off a minimum order of $125!!!
Any other discounts will not apply to this prize. On Canadian orders duties/taxes/fees will be paid by the recipient on the original order amount prior to the MOTM discount.
*Click our banner for our 'Deal of the month'*
It is that time now!! Voting will begin for November 2013 Member Of The Month!!!
Good luck to all the participants!!!
Vote >>>HERE<<<
Vote done, hard as crap to decide, all these members have been helping around the site like crazy and all should be member of the month, Plus they have amazing looking trucks (again that does not count in the vote but worth mentioning) Oh well, had to pic someone, so Vote done
Once again...I have vetoed. Good luck all and have a happy Thanksgiving!
I cast my vote as well and yes once again a tough choice. Good luck to all.
Once again and as always, great members to vote for! My vote is cast. Good luck to all. :)
Just this once, can I be a Democrat and vote more than once? Of course, they usually vote for the same person more than once, but I only want 3 votes this time and spread the wealth. C'mon, please?
Good luck to ka1 and Primo. .. 2 outstanding members on here who play a huge role in offering assistance to others. I sadly have not voted yet because I cant figur out how to on my new phone.. But once I figure it out, I will make the hard choice.
I voted (I think). I didn't see a vote button so I left a comment I hope it works. It was a hard decision. Good luck to all of you.
Voted! :smileup:
Like always.
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text:
That was quick: iPhone price cutposted by Stuart on September 6th, 2007 - 11:00 am | AT&T, iPhone
The iPhone is barely two months old, and it has already dropped in price. Hooray! No longer will you have to shell out $600 just to get a phone — a phone that has slow as snails Internet access. And it wasn't a token price drop, either: $200 came off the price tag. They also announced a few other items, including the discontinuation of the 4 GB iPhone. Good move, we say. However, these moves do not come without a catch. They never do.
Before, the iPhone price was not a subsidized one. You paid your $600 and you had a phone, plain and simple. If you wanted to activate it, fine. If not, you could do whatever you want with it, including making it a $600 paperweight (breaking some kind of unofficial record, we're sure).
Now you're required to sign up for a two-year contract with AT&T. This is clearly in response to the wave of iPhone hacks that appears late last month. Both AT&T and Apple clearly realized that they needed to require immediate activation, just as AT&T does with all of their other phones. The way to make this more palpable was to drop the price of the phone.
Of course, none of this has been mentioned by Apple or AT&T. Rather, they're making other excuses for the price drop (which came as a surprise to most, including us):
"We've clearly got a breakthrough product and we want to make it affordable for even more customers as we enter this holiday season," Steve Jobs, Apple's chief executive, said in a press release. Said Bill Medlow, president of the Long Island Macintosh Users Group, "This will sort of loosen up a lot of these pocketbooks."
Of course, Apple won't offer a refund of any kind to the initial buyers. And why would they? Those are the Apple faithful, and they decided that $600 was a fair price for the device. It's not like Apple is going to say "oops, we overcharged you, here's a handout."
Although it has nothing to do with prepaid, a new line of iPods was announced as well. The devices are Wi-Fi ready and are also touch screen. They'll cost $250 for an 80 GB model, and $350 for 160 gigs. The Wi-Fi will allow users to download songs from iTunes right to their iPod. We're waiting for an official announcement on an iTunes subscription service, which will simply rock.
(Personal aside: The way in which we sell and purchase music is stupid. Downright moronic. You know what would work well? Paying $250 a year to have unlimited access to music. Any music. We don't care if we don't own it; we just want to listen to it.)


text:
Use and Care: Sharpening
Sharpen pruners and loppers at the start of the workday using a fine file. Holding the tool steady (preferably in a vise), remove any burrs from the flat side of the blade, then restore the sharp edge by touching up the original shape and angle. During a full day of pruning, resharpen at lunchtime.
Ask TOH users about Yard and Garden Tools


text:
Energy XXI (EXXI) agreed to buy nine Exxon Mobil (XOM) gas and oil fields in the shallow waters of the Gulf of Mexico for $1.01B, boosting its reserves and production by more than 70%. Not a bad price for a deal that nearly doubles the size of the firm.
Energy XXI (EXXI) agreed to buy nine Exxon Mobil (XOM) gas and oil fields in the shallow waters...
Nov 22 2010, 07:39 ET | About: Energy XXI (Bermuda) Lim... (EXXIQ) | By: Rachael Granby, SA News Editor
From other sites
at CNBC.com (Dec 15, 2014)
at CNBC.com (Dec 10, 2014)
at CNBC.com (Nov 28, 2014)
at CNBC.com (Oct 2, 2014)
at CNBC.com (Sep 9, 2014)
Comments (1)
ETF Hub
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text:
... Is this a possible side effect of Flomax? He has to change his PJ's half way through the night because they are soaked with sweat. He is having a lot the side effects that are mentioned, should he try talking to the doctor to possibly changing his medication?
My husband is on flomax and is having a problem with excessive sweating?
- Posted:
- 1 Jun 2011 by carolasitton
- Topics:
- flomax, hyperhidrosis, side effect
Answers (1)
6 Jun 2011
I could not find information about sweating being a known side effect of Flomax. Could his symptoms be classified as chills (and sweating due to this) ... because this would be a serious side effect. In any case I would recommend that you get your husband to see his doctor.
Further Information
- Flomax Information for Consumers
- Flomax Information for Healthcare Professionals (includes dosage details)
- Side Effects of Flomax (detailed)
Search for questions
Still looking for answers? Try searching for what you seek or ask your own question.
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4 answers • 14 Nov 2013
Does excessive sunlight or heat effect the dosage of Levothyroxine?
I am on 50 mg of levothyroxine a day and I have been having problems with excessive sweating in the night. The overheating in turn causes me to start ...
1 answer • 1 Nov 2014


text:
Marion County Missing Person
Published March 6th, 2010
Name:Kevin Johansson
Information: Kevin Robert Johansson went for a stroll more than 24 hours ago. He was last seen wearing a black Volcom hoodie, white T-shirt with airplanes on the shirt, jeans and tan boots. The family last saw Kevin around noon on Friday, March 5 at the Salt Springs Resort, 25250 East Highway 16, in Salt Springs.
Anyone with any information is urged to contact the Marion County Sheriff's Office at 352-732-9111.
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