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Market IntelligenceMar 4, 2013
The Canadian economy in the final three months of 2012 grew 0.6% quarter to quarter annualized, according to Statistics Canada. Full-year 2012's year-over-year climb in gross domestic product (GDP) was +1.8%, down from +2.6% in 2011.
More telling with respect to the current economic climate, however, have been the recent month-to-month changes in industry-based GDP. In December, the percentage shift was -0.2%, wiping out most of November's +0.3%.
Prior to November, from August through October, the average GDP change was 0.0%. In summary, industry-based GDP growth over the last five months has been barely positive.
In the U.S., Q4's GDP change versus Q3 was recently revised by the Bureau of Economic Analysis (BEA) from -0.1% to +0.1%. There were exceptional circumstances holding back the U.S. economy in the final quarter of last year, including the largest drop in defense spending since the Vietnam War. A cloud of uncertainty thrown up by the looming fiscal cliff also hurt. Thankfully, it was averted at the last second.
A strong housing sector will help to drive the U.S. economy forward in 2013, but there are still obstacles to be overcome, most of them artificially created in Washington.
The return to higher payroll deductions (from 4.2% to 6.2%) to pay for social security is an effective tax increase. And across the board spending cuts under "sequestration" threaten federal government jobs in many key areas. Cuts to employment in departments overseeing homeland security, border patrols and airline transport will both lower incomes and cause delays in cargo traffic and business and tourism travel.
All of the foregoing notwithstanding, the major stock markets in North America have been continuing to perform with amazing vitality.
Investors know that the U.S. economy remains the best hope for the world economy. It also helps that one key alternative source of investment income (e.g., bonds) continues to offer such low returns. The U.S. federal funds rate will stay near zero well into 2014 at least.
The three major American indices – the DJI, S&P 500 and NASDAQ – all recorded their 52-week highs in February 2013. For the TSX, the latest 12-month summit was only a couple of days earlier, on January 29th of this year.
Versus their 52-week lows, all four indices have achieved double-digit percentage increases, ranging from a bottom of +13.7% for the TSX to a top of +19.6% for the S&P 500.
The DJI has reached a new all-time high. The S&P 500 is virtually level with two previous twin- peaks recorded in August 2000 and October 2007.
NASDAQ has now exceeded any level since its dramatic "dot.com" spike that culminated in February 2000. Only the TSX continues to fall short (by -13%) of what it once achieved in May 2008.
In the fall of 2008 near the outset of the recession, Canada's Prime Minister Stephen Harper was the butt of many jokes when he said it was a good time to buy stocks. It's turned out he wasn't so balmy after all. In fact, the case can be made for our Prime Minister being one of the all-time great investment advisors.
While stocks did continue to decline for another four months after October 2008, they hit rock bottom early the next year. The return on the major indices since then has been astonishing.
February 2009 was the most recent trough for all four indices. Versus exactly four years ago, the appreciations have been as follows: +129% for NASDAQ; +106% for the S&P 500; +99% for the DJI; and even +58% for the TSX.
Toronto's equity prices have been restrained by weakness in the resource sector, where most commodity prices remain below their previous "glory days".
Since their October 2008 closings, which was when Mr. Harper offered his opinion, NASDAQ has risen 84%; the S&P 500, +54%; the DJI, +51%; and the TSX, +31%.
Only the TSX has delivered a return over the last four-and-a-half years that may have only slightly beaten or matched some other relatively safe investments. The American indices have performed more than commendably. But Mr. Harper is the leader of this country, not the U.S. Surely he wasn't thinking of American equities ahead of Canadian when he made his pronouncement. In other words, he's still vulnerable to some teasing.
The latest data on profits from Statistics Canada casts light on the thornier path taken by the TSX. The following percentage changes are for "operating" profits or losses (i.e., operating revenue minus operating costs). They don't include taxes or the myriad of extraordinary items (write-offs, etc.) that muddy the waters in "net profits", although the case can be made that firms' investment decisions are more closely aligned to the after-tax money available to them. Canada's total industry "operating profits" number in 2012, at $71.8 billion, was barely positive (+0.8%) year over year. In 2011, the comparable figure was +10.3%; in 2010, a robust +28.2%; and in the recession year of 2009, a not-surprising -27.9%.
Confirming the rough year experienced by the resources sector in 2012, operating profits in oil and gas extraction at $1.8 billion were -52.2% versus 2011. In mining, at an almost equal $1.9 billion, they were -25.3%.
Operating profits in the manufacturing sector dropped 9.0% but were quite high at $12.7 billion last year. Firms in "depository credit intermediation" (i.e., the banks) recorded operating profits of $9.9 billion in 2012, up 15.9% versus 2011. Firms in retail trade earned operating profits of $4.0 billion in 2012, virtually the same as in 2011.
Retail sector profits in the period ahead may come under strain from an unexpected source. An increasingly vocal chorus has been asking why – given that the Canadian dollar has been close to parity with the greenback for several years – prices in Canada for many of the same goods (often sold by the same company) remain higher than in the U.S.
Among the factors often cited are higher tariffs for offshore imports; a somewhat elevated labour cost structure; more difficult transportation logistics over vast distances; fewer economies of scale; and a smaller pool of competitors. But our retail scene is undergoing a transformation.
More American shopkeepers are setting their sights on revenue potential north of the border. As plans become reality, they're adjusting their pricing strategy. When the purveyor of premium-quality clothing lines, J Crew, set up shop here it was vociferously attacked for its cross-border price differential. The bad publicity led to a subsequent downwards adjustment.
San Francisco-based Williams-Sonoma (owner of the Pottery Barn and other sales brands) has just announced that it will keep its prices in Canada the same as in the U.S., except for big-ticket items that will require extra transportation charges from production sources across the border.
Target is about to open 100-plus outlets in Canada and has indicated it will strive for competitive pricing. Other U.S. retail newcomers include: Marshalls, with TJ Maxx outlets that are similar to Winners; Seattle-base Nordstrom, tackling the Calgary market first and then branching out to Vancouver, Toronto and Ottawa; and Bloomingdales, which is in talks with Hudson's Bay to adopt the store-within-a-store concept.
Lower prices are good for customers. They provide one more reason for Canadians to be pleased the loonie has moved up from 63-cents U.S. in 2002 to mostly near parity today.
As for individual shopkeepers, they'll benefit if sales traffic increases. But they won't all come out ahead. Lower prices will put more strain on most retailers to realize profit projections.
S & P 500 NYSE (^gspc)
Alex Carrick
Mar 4, 2013
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Misson and Outreach
The Liechtenstein Institute on Self-Determination at Princeton University (LISD) supports teaching, research, and publication about issues related to and emerging from self-determination, especially pertaining to the state, self-governance, sovereignty, security, and diplomacy with particular consideration of socio-cultural, ethnic, and religious issues involving state and non-state actors. The Institute was founded in 2000 through the generosity of H.S.H. Prince Hans Adam II of Liechtenstein, and is directed by Wolfgang Danspeckgruber.
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- Faculty Associate Stephen Kotkin discusses Ukraine's political and military situation. http://t.co/F13lsf08Qt
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Hannibal's County Market is getting a $2 million facelift and adding 10 new jobs.
County Market executives announced plans Thursday to remodel the Hannibal grocery store both inside and out.
"The whole store, virtually all the equipment will be changed out and the look of the store will be completely different," Rich Niemann, President/CEO of Niemann Foods, said. "And we're going to remain open during the whole thing. It will be a very extensive remodel."
Work is expected to begin later this spring and be complete by the fall.
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About Us
Stylish Eve is a weblog that was launched in May 2009 for every woman to read about anything which may interest them. The name 'Stylish Eve' has its roots firmly embedded in this concept, where our blog gives Eve all the ideas she needs to be stylish and make all her family feel and look trendy. Stylish Eve will help give you great inspiration, whether it is for a birthday party, an engagement party, a special holiday, finding and choosing an outfit for a special occasion, recipes, even advice on how to look after your pet – it's all in here! In Stylish Eve you will find out about the latest fashion trends, home décor, outfits, weddings, parties and more, just with the click of a button. Stylish Eve is now one of the best and largest online magazines with international content that meets the needs of our fans from all over the world who are continually discovering new ideas from what we publish in our blogs. Our Facebook page reaches more than 2.5 million fans and that number is growing daily! This is a stylish magazine, designed and created for every woman, so enjoy your reading.
Ahmed Helmy
The Founder and CEO
After graduating from the Faculty of Engineering decided to be himself and do his own business, Ahmed Helmy has founded Stylish Eve in May 2009 for every woman to read about anything which may interest them. The name 'Stylish Eve' has its roots firmly embedded in this concept, where our blog gives Eve all the ideas she needs to be stylish and make all her family feel and look trendy. Stylish Eve will help give you great inspiration, whether it is for a birthday party, an engagement party, a special holiday, finding and choosing an outfit for a special occasion, recipes, even advice on how to look after your pet – it's all in here!
Riham Nour
Stylish Eve Manager
It all started as a coincidence when Riham started writing for Stylish Eve just like any other writer, while her strong passion about the website has led her way. Inspiring Eve in almost all fields that might interest her and making her up-to-date is the main goal that she's aiming to achieve. She's currently earning her master's degree in business administration to deeply improve her skills and do the best for Stylish Eve.
Jazmyn Edmonds
Fashion Editor
Jazmyn Edmonds born July 31st, 1993 true to her Leo sign, is an artistic revolution. She is from East Hartford Connecticut and one of seven siblings but despite the odds she has never stopped going after her dreams. Throughout her younger years Jazmyn starred in several musical productions including : Rent, Hair Spray and Macbeth. Performing arts was always a strong part of her life and even brought her to working as an acting apprentice to Broadway Star Colman Domingo throughout high school. Jazmyn is well known throughout the fashion industry for being the youngest designer to launch her clothing collection at the Empire State Building February 2013, where she was heralded as the next Alexander McQueen. Her clothing line Natural Born Dollface or 'NBD COLLECTIONS', is all about empowering young women letting them know that confidence is always your best attribute and the sexiest accessory a girl can wear! Her collection is for all body types and her business formula is to instill confidence in her buyers. She has always thought outside the box and is quickly becoming a young inspiration to many! Jazmyn has many dreams, passions and goals in life but mainly she wishes to change the world through the power of performing arts by exposing talents neglected in traditional artistic society. With all of her success Jazmyn remains humble, recognizing that the most important element in life, is love. As her path unfolds there's no telling what this beautiful soul will achieve. She is on her way, to greatness.
Sara Davis
As a freelance editor, proofreader, and consultant for many years, Sara has provided services to dozens of businesses in marketing, counseling, and publishing, as well as to individual authors and students. Sara especially values her association with Stylish Eve for the opportunity it gives her to develop long-term relationships within the company and to collaborate with its talented personnel. She finds Stylish Eve special for its high standard of quality and for the unique service it provides to women.
Janet Butler
Janet W. Butler is a freelance writer, editor, and editorial consultant by day and a "small soprano" by night. An RWA Golden Heart Winner, she is the author of the inspirational romance From the Ashes ("the best little book no one's ever heard of"), published by SANDS Publishing in 2001; and a romantic suspense, Voice of Innocence, from Desert Breeze Publishing. She is a Chicago native transplanted to northeast Indiana, where she lives with her husband, daughter, and Cassandra "Trouble" Butler, S.R.C. (Spoiled Rotten Cat).
Spending the majority of his time in France, the fashion capitol of the world, David has been able to bring a broad range of writing skills to the table and has become our Editor as of July 2013. With a background in property and interior design, much of what Stylish Eve writes about is subjects on which David has superior knowledge, and his influence is crucial to ensuring the content of Stylish Eve is accurate, informative and bang up to date. When asked why he wanted to join the team at Stylish Eve, David's reply was quite simple. "I want to make a difference wherever I work. In this instance, I want to work with writers who may have the subject knowledge, but lack the confidence to express themselves clearly through words. It is my aim to bring the level of writing and quality of content up to that you would expect from the very best fashion, and contemporary style, websites."
Kia McClain
Stylish Eve Writer
Kia McClain at Expedia CruiseShip Centers: Kia McClain is an avid lover of fashion and style; she started her fashion-writing career as a ghostwriter and stylist. Kia is also a successful entertainer and syndicated, freelance writer at Yahoo! As a poet and spoken word artist (Fierce), she became a top ten artist on popular music sites. This exposure led to her becoming a radio personality at 99.3 the Joynt, where she had a show with World Famous DJ DX, close friend to Nicki Minaj. Nicki often created drops for the show and stopped by the station as an indie artist. Kia also met celebrity photographer, KJ Anderson, who started an entertainment company with her, VRE7.com. She served as co-CEO of the company for over two years. Kia has worked with world-renowned celebrities such as Jeff Timmons of the multi-platinum boy band, 98 Degrees and more with her own marketing company, PitchSavvy.com.
Stylish Eve Writer
Ola is an author at Stylisheve.com; the best online magazine ever and a big addict of shopping & reading..
Sonia Lenardon
As a freelance writer, author, editor, and proofreader, with a bit of translation activity on the side, Sonia puts her bilingual word skills (she was born speaking Italian and went on to make U.S. English her second mother tongue) at the service of creativity. Working with Stylish Eve gives her the opportunity to combine two of her major passions: writing and fashion. After migrating first to Glasgow, Scotland, and later to Vancouver, Canada, Sonia has gone back to her native Italy, where she is currently based…but who knows for how long?


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Driven by consolidation in the healthcare industry, J&J is reuniting Ethicon, Inc. and Ethicon Endo-Surgery to present surgeons and health systems with a single face.
Time Inc. targeted media brand focuses on pharma; Takeda and Amylin call it quits on obesity partnership; PricewaterhouseCoopers builds regulatory intelligence unit
The Euro RSCG Life agencies are switching to the name Havas Life as one of Havas's big networks rebrands, the holding company said Monday.
McCann Healthcare Worldwide changed its name to McCann Health, and five of its six US agencies rebranded to align more closely with their parent, the network said today.
Saatchi & Saatchi Innovations, Publicis' Pennsylvania-based outpost servicing specialty pharma, is rebranding as Saatchi Science.
Endo is restructuring, bringing its four operating units under the same corporate roof and rebranding to reflect its diversification out of its origins in pain and urology drugs.


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Josephine "Jo" Sieb, 95, Gering
Josephine "Jo" Sieb, 95, of Gering passed away December 3, 2012 at Heritage Estates in Gering. A private family service will be held 2:00 p.m. Saturday, December 8, 2012 at First United Methodist Church in Gering with Pastor Lauren Ekdahl officiating. Inurnment will be in West Lawn Cemetery in Gering. Friends may sign Jo's guest book at Gering Memorial Chapel between 1-5:00 p.m. Friday. A memorial has been established to the First United Methodist Church in Gering.
Jo was born August 26, 1917 in Gering, NE to Conrad and Margaret Hamburg. She attended Gering schools and married Benjamin Sieb February 2, 1938in Gering. Jo was a shy and very private person who devoted her life to caring for her husband, daughters and grandchildren. Her greatest joy as she grew older was her three great grandchildren, Tayler, Trae and Paige who dearly loved their sweet great grammy. Her family feels so blessed they had her in their lives until she was 95 and will truly miss her presence.
She is survived by her daughter Sandy (Terry) Miller, Scottsbluff, NE, grandson Mark (Kim) Miller of Lincoln and their sons Taylor and Trae and granddaughter Marcy (Rhett) Wright of Centennial, CO and their daughter Paige.
Preceding her in death was her husband Benjamin December 26, 1999, daughter Nadine November 11, 2002, her parents, seven brothers and one sister.
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SARN Home > Volunteer > Advocate
SARN Advocate
SARN advocates provide support and advocacy to survivors and their family and friends. A SARN advocate must be a student and go through the 40 hour HOPE Center training. A SARN advocate must actively participate and come to meetings in order to maintain membership.
- An active advocate must regularly attend meetings and be committed to the organization.
- There are rare exceptions when a person has demonstrated adequate training from another Minnesota source is granted membership.
- Advocates are encouraged to attend study-abroad programs and may return to active participation upon their return to St. Olaf.
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Toronto-based Adamson Associates is a top-tier architect of record, having partnered with many name-brand designers. But if you haven't heard of them, that's OK. Their work speaks for itself.
A green commercial mixed-use building takes the place of a lost Kansas City icon.
Previously a fur-trading post and factory town, South Bend has redefined itself through intellectual capital, including higher education.
Fort Benning's expansion is expected to bring in 30,000 new residents to Columbus, leading to a rise in residential, healthcare, and school construction.
The original vegetated roof on the M Financial Building in Portland, Ore., never lived up to expectations.
A mixed-use facility by RTKL Associates provides housing for MICA students and a focal point for the Baltimore art school.
Brief profiles of the winners of the 2009 P/A Awards.
2009 P/A Award honorable mention: Thunder Stadium, by Office dA
Adrian Smith didn't want to retire. Turns out his clients didn't want him to, either.
Can green design and thoughtful urbanism save Dubai?
ARCHITECT offers architecture news, market intelligence, business and technology
solutions, continuing education, building products, and other resources for practicing
Copyright ©
2014 Hanley Wood Media, Inc. All rights reserved.


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It happened again this morning. I was reading a devotional book that more or less adheres to the lectionary texts for the week, and I looked at the reading for the day: Psalm 92:1-4; 12-15.
Like most churches, we occasionally receive requests for money from people in our community. I suspect I am not alone when I say that I have come to dread these calls. It's not that I don't think that the church should help people in need, or that I resent the "intrusion" on my time or anything like that.
A few weeks ago, I was part of a conversation with a group of seniors where we reflected upon the question, "Have you ever seen or personally experienced the failure of faith?" A loaded question, if ever there was one. What does it even mean for faith to fail?
Occasionally, a word or a phrase
encountered in everyday discourse will jump out and lodge itself in my
brain for the rest of the day—or at least until I blog about it!
The secular world is full of holes. We have secularized badly.
"They must not believe in God."
This morning, I read of Christopher Hitchens' passing and felt very sad.
I have never liked hospitals. Hospitals
can so often seem to be places where we attempt to sequester the pain
and confusion and despair that are a part of so many lives—to keep them
out of sight and out of mind.
There is much about how religion and
Christianity are understood and publicly discussed in our post-Christian
Canadian context that produces a mixture of bemusement and genuine
puzzlement for me.
Summer sermons in our community have been
focused on the parables and sayings of Jesus. I've not been present
for the whole series, but have enjoyed the challenge of preaching from
these bracing, disorienting, reorienting stories over the last few
My first "official" responsibility in my
new position took place a week or so earlier than schedule, as I
officiated at a memorial service on a sunny, breezy, southern Alberta
Saturday. It was a somewhat strange thing to be leading a service like
this before even attending a Sunday morning service!
Times of transition are tough. We
currently find ourselves up to our ears in boxes and and clutter and
mess as we prepare to pack up and head back across the Rockies next week
to begin a new chapter in our lives as family. We have done this
moving thing a number of times now, but it never gets easier.
I just returned from a glorious five days
spent motorcycling through Washington and Oregon.
It is an odd thing, I have discovered during my nearly three years as a pastor, to be entrusted with people's pain.
Today is Ash Wednesday, the beginning of
the season of Lent, the day when ashes are placed on foreheads, and the
words "Remember that you are dust, and to dust you shall return" are
proclaimed. For whatever reason, throughout my life, I have rarely
needed this reminder.
This past Saturday, I attended John Stackhouse's
lectures on faith, reason, and the new atheism down at the Vancouver
Island Conference Centre. Evidently, there is still some interest in
this topic as the event sold out—even in hyper-secular Nanaimo!
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Liberalization, Growth, and Financial Crises: Lessons from Mexico and the Developing World
AbstractAlthough the case for trade liberalization is now well established, the case for financial liberalization is not, because the latter is associated with lending booms and crises. Some critics invoke as evidence the recent weak growth of Mexico, a prominent liberalizer. We argue that liberalization is beneficial despite the occurrence of crises. First, we show that financial liberalization has typically followed trade liberalization, and that both have led to faster growth, despite more frequent booms and busts. Second, we present a model that shows why, in countries with severe credit market imperfections, liberalization leads to faster growth and, as a by-product, to financial fragility. Third, comparing Mexico with this international norm, we show that liberalization and NAFTA have induced faster growth and investment but have not been enough: lack of structural reform and a protracted credit crunch generated bottlenecks that blocked further growth and led to a slowdown in exports.
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Bibliographic InfoArticle provided by Economic Studies Program, The Brookings Institution in its journal Brookings Papers on Economic Activity.
Volume (Year): 34 (2003)
Issue (Month): 2 ()
Pages: 1-112
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Phone: (202) 797-6000
Fax: (202) 797-6004
Web page: http://www.brookings.edu/economics.aspx
More information through EDIRC
Related researchKeywords: Mexico; bank; growth; financial crisis; macroeconomics;
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CitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Katharina Diekmann & Frank Westermann, 2010.
"Financial Development and Sectoral Output Growth in 19th Century Germany,"
Working Papers
86, Institute of Empirical Economic Research.
- Westermann, Frank & Diekmann, Katharina, 2011. "Financial Development and Sectoral Output: Growth in 19th Century Germany," Proceedings of the German Development Economics Conference, Berlin 2011 81, Verein für Socialpolitik, Research Committee Development Economics.
- Katharina Diekmann & Frank Westermann, 2010. "Financial Development and Sectoral Output Growth in 19th Century Germany," CESifo Working Paper Series 3283, CESifo Group Munich.
- Nannette Lindenberg & Frank Westermann, 2009.
"How Strong is the Case for Dollarization in Costa Rica? A Note on the Business Cycle Comovements with the United States,"
CESifo Working Paper Series
2785, CESifo Group Munich.
- Nannette Lindenberg & Frank Westermann, 2009. "How Strong is the Case for Dollarization in Costa Rica? A Note on the Business Cycle Comovements with the United States," Working Papers 79, Institute of Empirical Economic Research.
- Lars Calmfors & Giancarlo Corsetti & Seppo Honkapohja & John Kay & Willi Leibfritz & Gilles Saint-Paul & Hans-Werner Sinn & Xavier Vives, 2004. "Acceding Countries: The Road to the Euro," EEAG Report on the European Economy, CESifo Group Munich, vol. 0, pages 119-136, October.
- Raoul Minetti & Matteo Iacoviello, 2010. "Foreign Lenders in Emerging Economies," 2010 Meeting Papers 1050, Society for Economic Dynamics.
- Prof. Frank Westermann Ph.D., 2012. "Linkages between Sectoral Output Growth and Financial Development in Nepal," NRB Economic Review, Nepal Rastra Bank, Research Department, vol. 24(2), pages 15-30, October.
- Timothy J. Kehoe & Felipe Meza, 2011.
"Catch-up Growth Followed by Stagnation: Mexico, 1950–2010,"
NBER Working Papers
17700, National Bureau of Economic Research, Inc.
- Timothy J. Kehoe & Felipe Meza, 2011. "Catch-up growth followed by stagnation: Mexico, 1950–2010," Working Papers 693, Federal Reserve Bank of Minneapolis.
- Timothy J. Kehoe & Kim J. Ruhl, 2010.
"Why Have Economic Reforms in Mexico Not Generated Growth?,"
Journal of Economic Literature,
American Economic Association, vol. 48(4), pages 1005-27, December.
- Timothy J. Kehoe & Kim J. Ruhl, 2010. "Why have economic reforms in Mexico not generated growth?," Staff Report 453, Federal Reserve Bank of Minneapolis.
- Timothy J. Kehoe & Kim J. Ruhl, 2010. "Why Have Economic Reforms in Mexico Not Generated Growth?," NBER Working Papers 16580, National Bureau of Economic Research, Inc.
- repec:nrb:journl:v:24:y:2012:i:2:p:2 is not listed on IDEAS
- ince, meltem, 2011. "Financial liberalization, financial development and economic growth: An empirical analysis for Turkey," MPRA Paper 31978, University Library of Munich, Germany, revised 05 May 2011.
- Pamela Góngora Salazar, 2010. "Determinantes de la volatilidad en el producto: evidencia empírica," VNIVERSITAS ECONÃMICA 008297, UNIVERSIDAD JAVERIANA - BOGOTÁ.
- Aaron Tornell & Frank Westermann & Lorenzo Martinez, 2004.
"Nafta and Mexico Less-than-Steller Performance,"
UCLA Economics Working Papers
833, UCLA Department of Economics.
- Aaron Tornell & Frank Westermann & Lorenza Martinez, 2004. "NAFTA and Mexico's Less-Than-Stellar Performance," NBER Working Papers 10289, National Bureau of Economic Research, Inc.
- Falko Fecht & Hans Peter Grüner & Manfred Jäger & Frank Westermann, 2009. "Bad Banks: Überzeugt das Konzept der Bundesregierung?," Ifo Schnelldienst, Ifo Institute for Economic Research at the University of Munich, vol. 62(13), pages 03-13, 07.
- Dieter Gerdesmeier & Hans‐Eggert Reimers & Barbara Roffia, 2010.
"Asset Price Misalignments and the Role of Money and Credit,"
International Finance,
Wiley Blackwell, vol. 13(3), pages 377-407, Winter.
- Gerdesmeier, Dieter & Roffia, Barbara & Reimers, Hans-Eggert, 2009. "Asset price misalignments and the role of money and credit," Working Paper Series 1068, European Central Bank.
- Vessela Todorova, 2011. "Theoretical Link between the Economic and Financial Crises in Evolution," Economic Thought journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 4, pages 55-74.
- Nitin Gupta, 2011. "The Differential Effects of Financial Development on India's Industrial Performance," ASARC Working Papers 2011-12, The Australian National University, Australia South Asia Research Centre.
- M. Ayhan Kose & Christopher M. Towe & Guy Meredith, 2004. "How Has Nafta Affected the Mexican Economy? Review and Evidence," IMF Working Papers 04/59, International Monetary Fund.
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Sponsored Deals
They're like ads, but good.
OK, yes, companies pay a little something to be Sponsored Deals. But we don't allow just any old crap in this section. Sponsored Deals are proposed to us by other retailers, manufacturers, and even other daily deal sites. If we find the deal compelling enough that our members will appreciate us bringing it to their attention, we'll feature it here. Believe it or not, we have a reputation to uphold. If your store would like to be considered for this space, please contact us for details. But if your deal is lame, or sketchy, no amount of money will let you buy your way in.
Community Deals
It's whatever you want it to be.
Pretty much, anyway. This is where you find the deals that wooters like you have ferreted out and brought to light. We're thinking it'll turn into a massive database of discounted products from around the Web, constantly expanding to absorb the newest deals from the very moment their prices are slashed, with each deal immediately rated by hordes of savvy voters to spotlight the very greatest deals in the world today. Hey, we can dream, right?
We use a fancy algorithm to determine which deals are catching the most buzz – they're under the Popular tab, which is the default view of this section. You can look for the most popular deals today, this week, or this month. The Fresh tab features the most recently submitted deals, so that's where to look for deals that everybody else doesn't know about yet. And the Search bar does what a Search bar does, only, uh, much wootier! Yeah! Right on!
Ask The Community
They probably won't bite.
Organic bullets? Vegetarian haggis? Cheap tickets to Antarctica? The best high-performance sweatsocks for under $100? If you're looking for a deal that doesn't appear to show up in our Community Deals section, throw the question to your fellow cheapskates. Or answer a question for one of your fellow cheapskates. Or vote for your favorite questions, or your favorite answers, or… maybe we should call this section "Ask, Answer, Comment On, And Vote In The Community", but that won't fit on the page.


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If you are going to go to the trouble of creating a visual directory of your business, association, or corporation, San Diego commercial photography will help represent you in the best light possible. Many potential clients will see the directory, and so it is in essence a marketing tool.
Marketing Benefits for Architectural Photography
In today's society, people rely on technology and the internet now more than ever. Marketing your business or website correctly is essential. Architectural photographers in San Diego have relentlessly studied the art of capturing exterior and interior lighting perfectly, how to tilt shift the lens at just the right angle, and how to retouch a photo to make it flawless.
Using Studio Lights to Light Your Product
When using professional studio lights to photograph your product or products, you eliminate many of the setbacks that traditional lights can create. By using studio lights you get the ability to mount a diffuser, have adjustable heads on the lights and control the brightness of each light.
Digital Photo Restoration
The first step in digital restoration is to have the original photo or film negative scanned. This step is very important since it will determine the quality of your finished photo.
What Is The Minimum Amount of CD Copies A Company Will Duplicate?
When deciding on a quantity for your CD duplication order you want to keep in mind that by ordering more disc you will be receiving a lower price per copy.
Will my 8mm and Super 8 film be damaged when I have it transferred to DVD?
Having your film transferred to a DVD or hard drive is going to not only preserve your memories but now you will be able to view them on your computer or DVD player.
Find A DVD Duplication Service
If you are looking to duplicate DVD's of your own material there are plenty of DVD duplication services that can be found in your own area that will offer this service.
Should I Transfer My Video Tapes to DVD or A Hard Drive?
When your video tapes are transferred to an external hard drive they now become a digital video file which you can edit with by using software in your computer.
How To Duplicate Your Own DVDs On Your Computer
If you have home movies on DVD and want to duplicate them on your computer then you will need software to accomplish this. Copying or duplicating a dvd means you are going to make additional copies of your master DVD.
Looking for a Local Slide or Photo Scanning Service
When you are ready to have your slides or photos scanned, it is a good idea to do an online search for a company that is in your area. Many people are a little reluctant to send their precious memories out of town or out of state since there is always that chance your package could get lost.
Ripping A CD or DVD File From A Disc
Ripping a CD or DVD digital file is the process of taking the video and or audio content off the disc and putting it onto another media in a different format or transferring the file onto your computer so the file can be edited.
Making An Online Video For Marketing
If you want to increase your presence online then creating an online video for your company can help dramatically. If you share your video across the internet efficiently it can become very popular and help increase sales.


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Useful Links
We all have ancestors and they all have unique stories to tell! Discovering these stories can take a great deal of time and you will need to be very methodical and patient. You may find it difficult to make the right connections and in some cases it may be impossible to be certain you have found your ancestors.
Lancashire County Council offers a number of services to help you find out about your ancestors, especially those who lived in Lancashire.
Archive Service
Lancashire Archives holds millions of unique historical documents relating to the county and its people. We are open to the public, you can consult any of the archives free of charge and you don't have to visit us to make use of our resources. Visitors to the Archives can access Ancestry, Find my Past, Dictionary of National Biography and more online resources for free. See the Archives website for more information about our collections and how we can help.
Community Heritage Team
The Community Heritage Team works with the Heritage, Local and Family History collections of Lancashire libraries, museums and archives. We promote and publicise these vibrant, exciting and stimulating collections by holding events that inspire, inform and capture the imagination to serve as a gateway to other activities and learning opportunities for all.
Library Service
Learn more about the history and heritage of Lancashire and its people using printed and online resources including free access to Ancestry and Find my Past, British Library 19th century newspapers, books and pamphlets, newspapers and periodicals, directories, maps, photographs and free access to the internet. Find out more about online family history resources in libraries. Events and introductory classes are held in some libraries.
Museum Service
Researching your family history? Let us help you to find information about your ancestors who served in local Lancashire regiments and information about the textile industry in Lancashire.
Registration ServiceLancashire Certificate Services can supply you with copies of certificates relating to births, marriages and deaths which took place in the current county of Lancashire. You can request your copy online or contact us by phone, by mail or in person. Certificate requests.


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The 2013 MDOT Metro Region Summer YDMP Program
(WXYZ) - The 2013 MDOT Metro Region Summer YDMP Program is finally here. Here's what you need to know to become a part of the 2013 Program:
When to Apply: Applications will ONLY be accepted from
April 1st - April 13th
How to Apply: Applications may ONLY be faxed or mailed to:
MDOT Metro Region Office
Attn: Youth Development and Mentoring Program
18101 W. 9 Mile Rd. Southfield, MI 48075
Fax: (248) 483-9602
Who Qualifies for Leadership Positions? : Individuals must be
18+ years old with a valid driver's license. Mentoring experience
is preferred. All leadership positions require interviews and
passing a pre-employment drug screen before an offer is made.
Participants must be able to work outside, walk on roadsides and
uneven terrain, and lift up to 45 pounds.
What do I need to apply? : We ask that you submit a current
resume' along with your application.
Due to the large number of applications expected, any applications received prior to April 1st, 2013 will not be returned. Applications received after April 13th, 2013 will not be considered for summer employment. Applications that are physically brought to the office will not be excepted.


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September 2010
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Closeout Winter Wheel Package Sale
Only at Audi.BernardiParts.com
Although you may not like to hear this, but winter is right around the corner. Don't worry BernardiParts.com has got you covered. This is your chance to save on the winter wheels for your Audi. It's never to early to start preparing your vehicle for those snowy days.
Bahn Brawlers
The formidable 2010 Audi A4 takes on the 2011 BMW 3 Series.
Audi and BMW have very different approaches, but they share a common goal: creating the worlds greatest sport sedans. Audi steps to the plate with the 2010 A4 while the boys from Munich send in a perennial favorite, the 2011 BMW 3 Series. After a good fight, mark another one off for Audi in the win column.
Beauty in the Beast
The 2010 Audi Q7 mates all-weather dominance and exquisite luxury.
Audis interlocking rings have become an international symbol of excellence and capability, two qualities that find their zenith in the incredible 2010 Audi Q7 premium luxury crossover. Its a rolling showcase of Audis commitment to technical and sybaritic excellence, absolutely coddling its passengers while delivering the dominant all-weather performance for which Audi is famous.
Bleach-free Care for your Sparklers
These simple tricks will leave you with whiter, brighter teeth.
Whether youre seven or seventy years old, you know that teeth dont last forever. Fortunately, however, there are ways to keep your current set bright and white for a long time. Although whitening treatments and products can bleach teeth super white, there are actually many easier and cheaper ways to enhance your smile. You can start with some of these tricks, but just be prepared to turn some heads afterwards:
Its an Art Movement on Wheels
Cars take creativity for a drive at Californias ArtCar Fest!
Youve probably seen your fair share of custom cars while on the road, but have you ever pulled up to a stoplight and looked over to see a drivable silver shark with sculpted fins, or a cherry red high-heel on wheels? If not, Californias ArtCar Fest is the place to see some of the strangest street legal works of art ever to roll down the road.
Fun Fall Activities
New England and fall make the perfect pair.
Fall is a truly magical time in New England with fresh produce, beautifully colored leaves and crisp, cool air. No other place in the country can beat the awe-inspiring colors of New Englands landscape this season.
Maintaining Your Ride
Keep your paint in great shape by selecting advanced, modern car washes.
The longer you own your car, the more likely you are to have encountered them, hiding just below the surface and waiting to make their presence known as soon as they are hit by the bright rays of the sun-swirl marks in your automobiles finish. Especially if you own a dark-colored car, these nefarious paint defects mysteriously appear on almost every vehicle out there and can be as difficult to remove as they are disheartening to look at.
Greenest Cities in the World
Green goes global.
With so many individuals taking the go-green pledge, you might wonder which cities are making strides to protect the environment. With sustainable energy sources, decreased eco-footprints and user-friendly green initiatives, here is the list of some of the greenest cities in the world.
Getting Schooled
The top five must-haves for back to school.
Long gone are the days when a 12-pack of number two pencils, a couple of spiral-bound notebooks and a new pair of Keds were all you needed to be ready for back-to-school. Today, students are always on the lookout for the next wave of products to help them get a leg up on their peers. Luckily for you, we have a cheat sheet of the top five latest and greatest back-to-school items that all the kids are raving about (just make sure the teacher doesnt see you copying our paper).
Need a New Game?
If every day sports leave you bored, these games play by their own rules.
Are you tired of playing - and watching - the same old sports? Cant decide between a game of hockey or a few laps around the pool? If your interests vary from boxing to chess and soccer to gymnastics, check out a couple of lesser known, yet rather challenging sports from around the globe.
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So the only sports all weekend was Yankees-Mets. Luckily, there wasn't much worth watching. Wait, that doesn't make you want to read this column, does it?
Ummm, I meant ... man, look at all this stuff that happened off the field! Yeah.
Hats off to R.A. Dickey. Dickey's streak of innings without giving up an earned run ended at 44-2/3 Sunday night. Our own Rob Neyer wrote a great piece on what separates Dickey from any knuckleballer ever -- his velocity. Another wonder of watching Dickey is feeling like he actually knows what he's doing. His three walks Sunday were the most he'd surrendered since May 6. Before Sunday, he'd walked five batters during his streak. His 1.8 walks per nine innings rival Phil Niekro's best seasons, and his .889 WHIP blows anything Knucksie did out of the water. The knuckleball has always been a quirky change of pace. Dickey has turned it into a weapon, making his streak all the more impressive and something we should remember for a long time.
Deron Williams is down to the Nets and Mavericks. This doesn't seem like big news, but this will be an interesting test of the new collective bargaining agreement. The new CBA should make decisions like Williams' no-brainers, given how much more the Nets (Williams' current team) can offer him relative to the Mavericks or anyone else. But if Williams decides to sign with his hometown team, even though most believe Dwight Howard wants to play for Brooklyn, it will be another illustration of how farcical the NBA lockout was. Sure, the owners got some money back, but the idea that the new CBA would stop players from going elsewhere, if they want, will be dealt a death blow if Williams signs a deal with Mark Cuban. Imagine the irony -- Cuban might win, even though he couldn't outspend for Williams if he wanted to. Once again, the lockout would look like a big waste of time and energy for all parties involved.
So James Harden knows what's going to happen next, ha? Harden seemed pretty confident he would have his contract extended by the Thunder. Well, has anyone talked to Serge Ibaka about this? The prevailing sentiment is that Oklahoma City will only be able to re-sign one of them after the 2013 season (at true market value, at least). Extending one is, effectively, telling the other he's a lame duck. And while Harden talks about how the Thunder is a family, families often have beef, usually when one child feels like its sibling is getting what the other feels is rightfully his. If not then, then usually over money. This case involves both. Certainly, both Harden and Ibaka think they're worthy of a huge extension. I doubt either would be fine with being the odd man out, and I wouldn't bet on either of them being silly enough to leave significant money on the table. That's a lot to leave hanging in the air, meaning Sam Presti would be smart to decide soon who to keep and quickly trade the other while he can. As for Harden, he should take this video as a warning of what might happen to him.
The NBA Draft is on Thursday??? I hate draft coverage. I hate the long lead-ins, as if the things that happen in the weeks before drafts are going to matter after the event itself. That said ... is anyone else feeling unprepared for the NBA Draft? I mean, I didn't need two and a half months to prepare like we have for the NFL Draft, but I haven't even memorized that one guy's name. You know, the one from the small school. The point guard. THE DRAFT IS ON THURSDAY, AND THESE ARE THE THINGS I'M SAYING. So yeah, maybe a little draft buildup wouldn't be the worst idea. There, I said it.
Be careful what you wish for... Spencer Hall distilled the issues of a college football playoff, and Bill Connelly used the past to show how a four-team playoff will still leave teams and fans irate. What problem do I see? That a football "bubble" would be much different than basketball's analogue. Those last teams in the NCAA Tournament, in all likelihood, will not win the championship. There are 60-plus teams who are better. In football? Well, there would only be three teams, in theory, better than the last team in. Unlike basketball, where the rules make it easier for the physically inferior to compete, a great team from a smaller conference may have a better playoff case, but they will often be incapable of competing with the superior size, strength and skill of schools from larger conferences. That will leave a hanging, irreconcilable dilemma for the Boise State and schools like it -- should they be allowed to enter a tournament few think they have a real chance of winning? Fairness and function will always be at odds, and they'll be balanced by a system few of us should trust. So while you may think the future will be an upgrade from the BCS, it looks like we'll be calling a rose by another name, a rose most thought smelled more sour than sweet. But trust -- in the end, it will be the same rose.
The Heat are right on schedule. A few days have passed since Miami won the NBA championship, enough time to step away from the immediacy of everything related to the Heat and truly assess what has happened since July 2010. The Heat were in the worst place an NBA team can be -- stuck being pretty good. They'd win too many games to get a great draft pick, but never be good enough to contend. They tore the whole thing down and invested in three players, hoping to fit cheap parts around them. It was the quickest rebuild in NBA history, and unquestionably the most successful. The 2011 Heat had obvious, staggering flaws and found a way to the NBA Finals. This year's team survived a regular season in which Dwyane Wade missed 17 games and a postseason where Chris Bosh -- the only player of consequence on the team taller than LeBron James -- missed nine games. It fought from off the ropes against Indiana and Boston before winning the NBA Finals, primarily because it was the tougher, more grizzled team. Yeah, the Heat said they could win seven championships, but they weren't going to win all those in two years, anyway. They got farther than I expected a team could with Mike Bibby at point last year. This year, they made quick work of the NBA's next big thing. Once you back away from all the hoopla, the success of this grand experiment is undeniable, as is the fact that it went according to a reasonable schedule.
Let's cut the bull about LeBron James. Predictably, the story surrounding LeBron James' first title is about his growth. It should be. After all, he handled everything surrounding the Heat much better this season than last, and the issues that dogged him late in games seem to be gone. But let's stop lying about who LeBron was before this season. Was he a choker? In a "what have you done for me lately?" sense, maybe. As Bill Simmons wrote, James put up 35.3 points, 9.1 rebounds 7.3 assists and per game in the 2009 playoffs (including an unreal 38/8/8 in the Eastern Conference Finals against Orlando). His numbers this postseason -- 30.3/9.3/5.3 -- weren't as good, but the Heat won, lending itself to an easy spin to the narrative. That ignores one thing -- it's easy to say Bron "figured it out" when his team defeated a team of adolescents, guys who were in high school when James became a superstar (like the utterly shook James Harden). What's more difficult is looking back and realizing, in spite of LeBron's highly-publicized struggles, fans and media overreacted. LeBron was a "choker" for five games that mattered -- Game 5 vs. Boston in 2010 and the last four games of the 2011 NBA Finals. That's it. He didn't stop being the guy we saw in '09. Hell, before it all came apart against the Celtics two years ago, his Game 3 in that series was one of the most impressive performances of the last 10 years (and came off a loss). He got more mature, and he learned to cope with pressure better, but save the talk that he became a different guy. LeBron James played like a guy we've seen before -- LeBron James. The LeBron James that ended the Pistons' most recent run, the one who dragged the Cavaliers to heights to which they may never return, the one who dispatched the Bulls and Celtics late in games last postseason. He's the best player in the NBA, as he's been for five years, and this year was his time. That's not as sexy as the narrative, but it feels a lot more accurate from here.
From America to Joe Amendola. Please don't. We understand this is your job, but if you were going to quit representing Jerry Sandusky, it would have been better had you done that before allowing Sandusky to creep America out in a television interview with Bob Costas. Now, you're just dragging out something inevitable. Jerry Sandusky is going to jail. He is a sick man who belongs there. No matter how solid your argument is, he's going to jail. This is not your chance to become a star. You will not be Johnnie Cochran. The longer this goes, you will disturb America as much as your client does. It does not look like you're looking out for him. Just as was the case when Sandusky wound up on TV, you're looking out for yourself. And if there's been too much of anything in this whole ordeal, it's people looking out for themselves. That goes for Sandusky, Amendola, administrators, coaches and everyone else. The trial is over. Your time in the spotlight is over. Please, on everything we love, just let this horror be over.
No, I won't let Bountygate go. The story of the Saints alleged bounty program isn't as sexy now, but it's even more important. With each passing day, it's clear the NFL should not be trusted. All one need do is look at the information on the NFLPA's website -- the same information that left NFL media certain that something happened -- to see this scandal simply wasn't what the public was sold. So when DeMaurice Smith said he wanted the investigation re-opened, the public should have demanded the same. Player safety should be a concern, but the cause should not be exploited to make the NFL look good. While the "safety" in question involves what happens on the field, players should also be protected from the NFL, especially when the media that covers it has been so unwilling to scrutinize limited information offered by the league. And, if you don't care about the players, chances are you care about competitive balance, and that has been disrupted without a proper explanation as to why. All of us -- the Saints, the suspended players, and those who invest time and money in the NFL -- deserve better.
I want to work with Jonathan Papelbon. Hey, I respect Papelbon's willingness to throw five stacks to whomever cleaned up his mistake. In fact, I'd like to know if he's got any interest in working for a certain Internet company. Because if he's paying guys bonuses for, you know, doing their jobs, we need to get him on board here. I mean, I wrote this column fresh off a plane. That's gotta be worth a couple hundred bucks, right?


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Rated: R for language and some bloody images
Running time: 1 hr 29 min
Cast: Zach Gilford, Allison Miller
Plot: After a mysterious, lost night on their honeymoon, a newlywed couple finds themselves dealing with an earlier-than-planned pregnancy. While recording everything for posterity, the husband begins to notice odd behavior in his wife. But, as the months pass, it becomes evident that the dark changes to her body and mind have a much more sinister origin.


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Two Albany police officers were involved in a wreck shortly after 2am this morning. Officers Alex Guy and Gregory Gadt are at Phoebe Putney Memorial Hospital following the wreck. Right now we don't know their conditions.
They were responding to a burglary call, driving down West Oglethorpe when a car traveling north on Davis Street came across the intersection. Officer Gadt swerved to avoid hitting the car, and lost control of the patrol car. The wreck is being investigated.
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First Perm(part 2)Turns out that Kate was still training in the art of the perm,so Shelley said.( with curlers in hair)I could now have Shelley complete my perm or if I was ok with it both young ladys would perm me together.I of course said I was fine to help in Kates training.Shelley started with a rod front centre talking to kate whole time on fixing papers and rolling the rod in place.I was loving this all that talk about my perm,with 2 ladys working on me.My hair was about 5" long so each rod only had a small amount of hair wound on it however I enjoyed the winding of each rod.Section by section my head became covered in perm rods.Kate did over half the rods with shelley helping here and there.Kate then added a jelly cream around the edge of my hair line to hold the cotton wool in place.Once the cotton wool was in place, the perming lotion was added rod by rod,it smelt great.They soaked my rods 4 or 5 times until the perm lotion was just running off.Once my hair could take no more I was placed under a wall mount dryer to speed things along,loved it .The dryer had been warmed up for me b4 hand so,I could enjoy the hot air blowing across my rods.Sitting under the dryer was great watching salon life go by.An older lady was under the dryer next to me,she didn't seem too pleased to see me there.She was the only one that seem to be troubled about a guy just getting a perm.When my hair was beening wound earlier the woman in the next chair had been friendly and chatty.She said was planing to wait and see how the perm went and if I was happy with the result.She was having a colour and foils which I said I would like to try some day.Tjme under the dryer was very nice,even with the old girl under the next dryer.Just enjoying that warm air and great coffee when shelley removed the dryer to check my hair,happly to hear not ready and replaced the dryer back over me.I could have stayed under that dryer all day but shelley had returned and I was heading back too the wash station Shelley washed away the perm lotion for about 10 minutes the smell was great.She still had curlers in her hair which I could not stop looking at.I wished I could touch them and her hair.She told me she was heading out on the town tonight,and had Kate roll her hair just for a change.The neutriser was now added it felt as cold as I was hard.Shelley sat down by me and told me it would take about 10 minutes to work then Kate would finish me off.As I waited Shelley removed her curlers in front of me I enjoyed watching and talking to her as she removed them.She said all the girls were talking about me and how great I looked with all those perm rod in my hair.I told her I had a great time in her salon and planed to return for another perm in the future.....
I to love everything about the perm and being in salon and the total experience of being turned into a girl and knowing its going to be that way for a while. Loved your Story!!!! Cheryl
Love your story great reading about others getting permed!!!!!!!!
One of my most memeorable perms was about two days before I was married. My fiancee wanted a friend of hers who was doing the wedding hair for her and her bridesmaid to style mine. My hair was long and scraggly and while my girlfriend loved my long hair she wanted me to clean up my act for the ceremony. I arrived at the salon as scheduled just to find out that my girlfriends hairdress was sick and that she had asked one of the other attendants to take care of me. I was first led to the washstation and then seated in the back next to two women who were having their hair colored. As the attendent combed through my hair consulting with the women who owned the shop they both decided that the best course of action would be first to trim the loose ends on my hair and then perm it to give it a bit more body and go from there. I trusted them and the process was sat in motion. I had only expected to be there for about half and hour yet an hour and a half later I was just being sat under the dryer with a hair full of curlers. Well to say the least when the curlers were removed and my hair brushed out I was shocked. The beautician was great applying relaxers and styling my hair and when I left I have to admit I liked my new style though I wans't at all sure how my girlfriend would react. But she was ok, then Saturday came with the forecast for rain and about 85% humidity and I couldn't do a thing with my hair it was a mass of curls. When I got to the church her friend who had done the bridesmaids hair wisked me off to the back and with a bit of hairspray (an understatement) I looked a bit like Ryan O'neal in Love Story with wispy soft curls flowing from my hair. I know it wasn't what my girlfriend had in mind but as she later told me she loved it. Today though we are no longer together I still smile as I think back of that special day
We have been away on holiday just got back a couple of days ago. Did you get another perm or did you just get your colour and highlights done yesterday as originally planned. I also have highlights put through my hair but I usually time it so the highlights are done roughly 6 weeks after my perm and then my next perm is usually due about 6 weeks after that. Doing like that it doesn't damage my hair too much. Linda was only saying last night that I should have my highlights done next week so that my hair will have recovered sufficiently to have another perm just before christmas. She said she would ring the hairdressers from work today and book me an appointment for my highlights next week and an appointment for my perm on the 24th dec.

Do you enjoy having your hair coloured and highlighted as much as having it permed.
newguy,

My hair was about 2 1/2 inch long when I had my last perm. I can't really see us ever having a perm together, Linda did have permed hair when she was younger and before my last perm I did ask her whether she would consider having her hair permed again but she said that she very much doubted it. However, Linda always comes with me to the hairdressers when I am having my perms done. I think she came with me the first couple of times to make sure I went through with it but now she just comes to keep me company during the long process, which is great.
I do having my pants line waxed regularly not a brazilian though.

It is a week since my last perm and I have just been saying to Linda that my curls seem much tighter than they did after any of my previous 4 perms. Michelle used exactly the same perm curlers and perm solution but Linda says that she was watching michelle wind my hair onto the curler and she thought that my hair was being wound on much tighter than normal. Thinking back my hair did feel really tight although I didn't really think about it at the time, I was just enjoying my perm. I love the tighter curls which I have now though, well done Michelle.
It is a shame you can't share your perming experiences with your wife. My wife Linda encourages me to have my hair permed, she decides when my hair is ready for another perm and she usually books the appointment for me.

I got a bit of a suprise when I went for my last perm because Sarah who had done my 4 previous perms was off sick, so it was Sarah's newly qualified apprentice Michelle who did my hair but she made a really good job no compaints at all, she was just a bit slower putting the curlers in.
Great story, do you think it will be the first of many perms. I have to say I have caught the perming bug, I had my 5th sucessive perm yesterday afternoon. loved it


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If you like 5 Hour Energy, we have a deal for you.
Amazon offers this 12-pack of Extra Strength Berry 5 Hour Energy for a very low $17.11. That's less than $1.50 per bottle... a pretty good deal.
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LAWTON, Okla_Church leaders are left puzzled and disappointed after a hand up in their church's morning soup kitchen took a violent turn Saturday morning when a man was stabbed several times.
Police were called to Centenary Methodist Church on 7th and SW B around nine Saturday morning after an argument turned violent.
Police are still trying to piece together what took place in the moments leading up to the stabbing. Church members say they too are searching for answers.
Pastor Norma Quinn said in all of her years as a church leader has never had to deal with something like this. She believes although Saturday morning's events were scary for those in attendance, it won't get in the way of them giving back to the community.
Over 80 people had checked in when Quinn said two men began to argue.
"We have a team of volunteers and they were stationed throughout the room and apparently these people were in the back of the room about to wait in line to be served and that's when things went south, " Quinn explained.
She said things went from bad to worse when the men started to fight, and one of them reached for a knife, turning it on his victim.
"Apparently it was some kind of personal issue between the two people and they chose and aggressive way to deal with it, " said Quinn.
Dr. Quinn never thought they'd have to consider taking security measures while trying to help others.
She said as a result of what happened they'll have to take a look at how to better protect their guests and volunteers.
"Our main role here is to be a mission station, and this is a very important mission of the church. And we , you know it's unfortunate that this happened but it's just such an isolated event. There's never been anything like this, probably never will be anything like this. It's one of those things that could've happened anywhere when tempers flare, " Quinn said.
She said her church will continue to pray for both of the men's health and safety.
And although her volunteers might be a little shaken up, she said without a doubt nothing will get in the way of having the breakfast again for years to come.
"Their passion will override any kind of concerns that they might have because they see the people, the families and little children that we feed, and they're gonna make sure that it continues and not let something like this stop them, " said Quinn.
When police arrived one man was taken to hospital, the other to jail.
The victim is expected to recover.
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FTR: Truck orders jump in June
Posted by Equipment World Staff on Jul 08, 2010
FTR Associates has released preliminary data showing June Class 8 truck total net orders for all major North American OEM's ...
Do you want some tips to stay safe on the job site?
Equipment World has created an entire section devoted to safety.
Here are the most recent tips we've posted:
Hauling headaches: Know your load limits when trailering equipment
One-man machines: The operator should be the only person on a wheel loader


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There has been much discussion in recent years about the benefits of applying fertilizer in the fall, and many golf course superintendents are looking for reasons to try it. Naturally, such a big shift in traditional cultural practices is bound to come with questions.
Fall-applied fertilizing - or late-season fertilization - involves applying a controlled-release fertilizer in the cooler months after you've stopped mowing and your golf season is over. However, that description covers a huge window of time and temperature differences, depending on what part of the country you're in.
Some superintendents apply late-season fertilizer while the turf is still growing, others wait until the grass is dormant. There are agronomic pros and cons to both practices, but the one constant is the key benefit of time savings. Applying fertilizer in the off-season simply frees up a lot of valuable hours in the spring.
Ongoing research at several major universities is studying the measurable advantages of fall fertilization, and a growing body of real-world evidence supports the belief that it's a highly beneficial option for most superintendents in cool climates.
Here are the top 10 reasons why fall fertilizing is a great idea:
1 You save time in the spring
Even if the list stopped here, it's worth it. Superintendents and other turf managers are always pressed for time in the spring, so taking care of your fertilizing chores in advance makes a huge difference later.
2 Workers can be more productive in the spring
As a result of those time savings gained from fall fertilizing, you and your crews can accomplish more of the other tasks that demand your attention every year. You get your course ready faster, and your golfers are happy sooner.
3 Nutrients are in place when turf needs them
A fall application supports the critical timing for fertilizing. It means the nutrients will already be available in the soil as soon as the grass comes out of dormancy next spring, when roots need feeding the most.
4 Coated fertilizers won't release in the winter.
Some superintendents worry that fall application will cause the fertilizer to be lost to snow melt or winter rains. That's not an issue with coated, controlled-release fertilizers in cold weather. The high-tech polymer coating on the granules activates only by temperature, not moisture. The fertilizer just sits in the thatch layer waiting for spring temperatures to rise, with virtually no chance of releasing nutrients over the winter.
5 No risk of overfertilizing
You don't want your grass to be too lush heading into winter. That was a legitimate concern with fall-applied soluble fertilizers, but not the coated ones because they shut down the nitrogen release in cold temperatures.
6 Weather is less of a factor
In addition to not being affected by winter rain or snow, controlled-release fertilizers applied in the fall give you another weather-related bonus: A very wet, muddy spring might prevent you from getting your equipment onto the course and cause you to miss the most timely application opportunities. But when your fall-applied fertilizer is already in the soil, that's not an issue.
7 Fertilizer distribution can be optimized
In the spring, it's likely that fertilizer applicators are in a hurry because there's other work to be done. That can result in less-than-ideal coverage. With a fall or winter application, you can slow down and work more deliberately, minimizing the problem of skips or overlaps.
8 Damage from mowers is eliminated
Even though the polymer coating of controlled-release fertilizer is very durable, it can't hold up to a sharp mower blade. When you fertilize in spring and then start grooming your course, there's always a chance your mowers can cut open some fertilizer granules and waste the nutrients. A fall application gives the fertilizer more time to work its way down to the soil and remove that risk.
9 Summer fertilizing can be eliminated
Most fall-applied fertilizers are coated, controlled-release products. They deliver nutrients to the soil gradually and consistently over an extended period of time, even for as long as six months after activating. With those products, a single application may effectively feed a golf course for an entire season.
10 Green, healthy turf is easier to get
That's the key. You want to produce the best and most playable course conditions possible, and fall fertilizing can help, whether by giving you more time in the spring, promoting healthier grass or maximizing your workers' performance.
A program like this is just a perfect fit for highly maintained turf. When you add up the benefits, it's hard to see any reason why a conscientious superintendent wouldn't consider a fall application.
Raley is an agronomist for turfgrass and ornamentals at Agrium Advanced Technologies.


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YSU -Fourth-year starting quarterback Kurt Hess has plenty of experience in big games such as this one, and he's enjoyed some success. In games against Penn State, Michigan State and Pitt, he's a combined 51 of 83 (61 percent) for 469 yards with five touchdowns and one interception. Hess, the school record-holder for touchdown passes, shook off an ugly season-opener with a solid performance against Morehead State, connecting on 16 of 19 passes for 282 yards and three touchdowns. The Penguins will need him to play efficiently to have a chance against a vaunted Michigan State defense.
MSU - The Spartans have played three quarterbacks in their first two games, and none have done well enough to earn the starting job. In fact, MSU coach Mark Dantonio added a fourth quarterback to the mix this week: true freshman Damion Terry. Sophomore Connor Cook, a Walsh Jesuit High?School product, started last week and will likely be the man today. The strong-armed Cook is 12 of 27 for 74 yards through two games?(he didn't start Week 1). No Spartan quarterback has thrown a touchdown yet this year.
YSU - Youngstown State leads the Football Championship Subdivision in rushing, averaging 363 yards per game, but that came against two non-scholarship schools (Dayton, Morehead State). Warren G. Harding graduate Demond Hymes, who entered camp as the starter but injured his ankle in early August, practiced this week for the first time since the injury. It would be a bit surprising to see him play today because of the possibility of re-injury. Adaris Bellamy is the best remaining all-around back and, despite an undisclosed injury, will likely start against the Spartans.
MSU - The Spartans have produced some great running backs over the years, and they're hoping redshirt freshman Riley Bullough is next in line. Junior Jeremy Langford leads MSU with 132 yards and two touchdowns on 29 carries, but Bullough's size (6-2, 230) and potential are hard to overlook. He could get the start this week. Langford probably won't be fazed out of the offense because he has good hands (a team-leading seven catches) and could be used in multiple formations.
YSU - The receiving corps looked much better against Morehead State than it did against Dayton. There is plenty of talent on the outside, but aside from Christian Bryan, a junior, they lack big-game experience. That doesn't take away from their talent, however. Sophomores Marcel Caver - who leads the team in catches (6) and yards (126) - and Andrew Williams (six catches, 91 yards) are big, fast targets, but they've never seen defensive backs as good as what MSU has to offer. Fellow sophomore Andre Stubbs has breakaway speed but lacks size (5-7, 165). Senior Jelani Berassa is still working his way back from knee surgery, but did record a catch last week.
MSU - The Spartans returned all of their receivers from a year ago, but the inconsistent play at quarterback has slowed their progress. The fact that Langford leads the team in catches further illustrates the lack of a passing game. Senior Bennie Fowler is a returning starter, but he has just two catches for 34 yards. Still, he possesses the talent to have a big day. Sophomore Aaron Burbridge is another legitimate threat. Burbridge and junior Keith Mumphery lead MSU's receivers in catches (5), and the Spartans recently moved speedy running back R.J. Shelton to wideout to add some versatility.
EDGE - Even
YSU - YSU coach Eric Wolford was quick to say that the battle up front - on both sides of the ball -?will be the most critical matchup to watch. Wolford gained a reputation as being a great offensive line coach prior to joining YSU, and he hasn't disappointed. That said, the front five is going to have a major challenge today. It's not necessarily MSU's size that could give YSU problems, it's the speed and athleticism of the Spartans. With three new starters in 2013, the line is only in its third game playing next to one another, so their continuity will be tested.
MSU - The Spartans are a bit young on the offensive line, but they're big and talented. Redshirt freshman Jack Conklin (6-6, 326) won the starting left tackle job in fall camp, and fellow tackle Donavon Clark (6-3, 308), is just a sophomore. But they've had help from senior captain Blake Treadwell, junior center Travis Jackson and senior guard Dan France, all starters in 2012. The group has allowed just two sacks.
YSU - The defensive front endures one of the most difficult tasks today. A mostly inexperienced group must contain the ground game and also find a way to pressure whatever quarterback the Spartans throw out there. The line, led by senior defensive end Kyle Sirl, has done well in the first two games, forcing opposing quarterbacks into tough throws and bottling up the run game. One asset they have is depth. Putting fresh bodies against a big and powerful MSU?line could help late in the game.
MSU - This is another area Michigan State is known for, as the Spartans have produced numerous NFL prospects. MSU?has eight sacks (5.5 by linemen) in 2013. Monstrous tackle Tyler Hoover (6-7, 290) has two sacks, and defensive end Marcus Rush (good name for a D-lineman) has two as well. Fellow end Shilique Calhoun, a sophomore, possesses tremendous athleticism. He scored on an interception and twice on fumbles this year - leading the team in TDs.
YSU - Teven and Travis Williams have played exceptional at middle and weak-side linebacker, respectively. Their quickness to the ball was evident from day one. Senior captain Dom Rich, a good run stopper, has shown improvement in coverage, and the Penguins have several viable options off the bench. Travis leads YSU in tackles (12) and tackles for loss (2.5).
MSU - Senior middle linebacker Max Bullough, a first-team all-Big Ten player in 2012, is a highly regarded NFL?prospect. He leads the team with 13 tackles and 2.5 tackles for loss. He headlines a corps many consider to be one of the best in the country. Strong-side linebacker Denicos Allen registered 10 tackles for loss in 2012 and has two sacks this year, while weak-side linebacker (called Star in the MSU defense) Taiwan Jones (6-3, 250) is a budding star.
YSU - The Penguins' secondary has been up and down so far, but there have been more ups than downs. With 2012 starter Dale Peterman, a corner, still recovering from a knee injury, Bowling Green transfer DeVon McKoy has filled in well. Fellow corner Julius Childs, also a starter last year, was burned for a TD last week, but that's his only major blemish. Strong safety Donald D'Alesio is one of the team leaders.?He'll continue to help bring along first-year starter Jameel Smith, a freshman.
MSU - This is the strength of one of a defense ranked third in the nation. Hubbard High School graduate Kurtis Drummond, a free safety, has developed into one of the better secondary players in the Big Ten (check out his one-handed pick on the Internet). Strong safety Isaiah Lewis and corner Darqueze Dennard were named to the preseason all-Big Ten team. Sophomore Trae Waynes is a first-year starter.
YSU - Punter and kickoff specialist Nick Liste has started off great, averaging 48.3 yards per punt and 10 touchbacks on kickoffs. Field-goal kicker Joey Cejudo made his first career field goal last week (37 yards)?and is 12 for 12 on point-after attempts. The coverage units can't allow any big plays.
MSU - Punter Mike Sadler is one of the best in the country, with 10 punts landing inside the 20 already this season. Kevin Muma is in his first year kicking field goals. He's 2 for 3, missing a 25-yarder last week. Andre Sims Jr. is in his second year returning punts.
It might be a stretch to think YSU?could upset a FBS school for a second straight year. Actually, it is a stretch. Michigan State is pitiful on offense right now, but its defense is phenomenal at nearly every level. The Penguins are a solid FCS team, but they're not ready to knock off a team as with as much talent as the Spartans.


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Featured Art, Culture & History In Oroville, CA
Know Another Culture
Oroville Chinese Temple & Garden
Built in 1863 to serve a community of 10,000 Chinese, this temple of treasures is listed on the National Register of Historic Places and also as a California Landmark. It was first opened to visitors during California's 1949 Centennial.
It includes three chapels, with the main chapel, Liet Sheng Kong, serving as a place of worship for Taoism, Confucianism, and Buddhism.
In 1968, Tapestry Hall was added to display the extensive collection of embroidered tapestries, parade parasols, and other objects of beauty. A priceless collection of Chinese and American costumes is arranged to contrast the two cultures by decades from 1850 to 1930. Also see the rare three-dimensional puppets from the Oroville Chinese Opera Theatre.
Visitors won't want to miss the garden, which is designed as a place for meditation and reflection and has plantings that originated in China; each is a symbol for a Taoist idea.
The temple and garden are maintained by the Oroville Parks
Songs, Dances & More
Historic State Theatre of Oroville
Dedicated in 1928, this theater has featured great vaudeville acts, fine films, and multiple live music, dance, and drama performances. The theater was designed by Timothy L. Pflueger and J.R. Miller, who also created the Pacific Telephone and Telegraph Building in San Francisco.
The State was restored to much of its original grandeur in the late 1980s with additional restoration projects being completed every few years. The theatre now has an outstanding lineup each season of national touring companies as well as local groups presenting music, dance, comedy, and drama.
Catch the 49er Spirit
Butte County Pioneer Memorial Museum
Built by the Native Sons & Daughters of the Golden West and operated by the City of Oroville, this museum was built in 1932 as a replica of a 49er cabin. The original building has been enlarged to now hold 6,000 sq. ft. of historic treasures.
Antique pianos, the original Oregon City School organ, a grand old clock from Bidwell Bar, an extensive hat collection (including an 1849 bonnet worn by a wagontrainer), beautifully elaborate women's fans, antique dolls (including a doll from the Donner Party), a miner's vest tailored to hold different size nuggets, and a handmade gold needle are just part of the holdings of the first room.
The Indian artifact display contains one of the largest arrowhead and basket collections in the area, and the Chinese exhibit features a rare tear jar.
One area is devoted to the life of Florence Danforth Boyle, the museum's founder and Butte County Recorder in 1918.
It will give you the 49er spirit!


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Richard "Rick" Wheaton is the winner of a Sealy Tractor $200 gift certificate and is one of the 21 semi-finalists to win the Kubota RTV400.
Kubota is giving away a Kubota RTV400 utility vehicle on Nov. 16. One winner will be drawn from the semi-finalists of the 21 Houston area dealers participating. We at W.A.Virnau & Sons, wish Rick best of luck in the final Nov. 16 drawing.
The RTV400Ci has a single cylinder, fuel injected, 16.0 horsepower air cooled gasoline engine. Its quiet, reliable, and efficient.
With a continuously variable transmission and inertial clutch, the RTV400Ci is a blast to drive and does not have troublesome drive belts like many other utility vehicles.
The RTV400Ci is ideal for hunting, camping or working around the farm.


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WVDE News
West Virginia Board of Education Seeks Public Input
Posted: February 21, 2008
Charleston, W.Va. _ The West Virginia Board of Education is seeking comment on alterations made to its attendance policy. Board members voted at their February meeting to place Policy 4110: Attendance on public comment for 30 days.
This policy incorporates requirements of the McKinney-Vento Homeless Assistance Act, which is the primary piece of federal legislation dealing with the education of children and youth experiencing homelessness in U.S. public schools.
The changes clarify the definition of awaiting foster care placement to ensure that the educational needs of children in interim social service placements are met.
The West Virginia Department of Education is committed to ensuring that all West Virginia children and youth experiencing homelessness have the opportunity to attend, enroll in, and succeed in school.
Educators, parents and community members are encouraged to review the policy and make suggestions. The policy can be viewed and comments can be submitted by logging onto the West Virginia Department of Education Web site at http://wvde.state.wv.us/policies .
For more information, contact the Office of Communications at (304) 558-2699.
West Virginia Department of Education
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For suggestions, questions, problems contact the webmaster
State Board | Department | Teachers | Parents | Students | Community | Data


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This upcoming fall season in mens college tennis USC has 3 players ranked in the top 100, 2 that are #15 Ray Sarmiento #16 Dan Nguyen in the top 20. Emilo Gomez is ranked 66. Plus USC has the #2 Ranked freshman coming which is Yannick Hanfmann ranked 2 spots ahead of ucla freshman Marcos Giron, who is the #1 Calif. junior tennis player. Ucla only has 2 players ranked in the top 100, that being #35 Clay Thompson and #40 Adrien Puget after losing 4 of their top players.
If you are wondering why Steven Johnson is not in the rankings this fall (ncaa champ and #1 ranked) he will be going to school and competing in Pro Futures and Challenger events. Don't Steve will be back in the spring to take back his throne and continue the Trojan Rain on Ncaa D-1 tennis. Oh and by the way as an amateur a player can recoup expense money from moneys won, so not to lose eligibility.


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Pupils of Manningham's Springwood Primary get Fairtrade message (From Bradford Telegraph and Argus)
Get involved: send your pictures, video, news and views by texting TANEWS to 80360, or email
Pupils of Manningham's Springwood Primary get Fairtrade message
6:20am Saturday 17th March 2012 in Manningham
Youngsters created keyrings featuring Fairtrade fruits as part of three weeks of activities aimed at promoting the importance of Fairtrade terms for farmers in developing countries.
The children at Springwood Primary School, Bradford, which became one of the first schools in West Yorkshire to be granted Fairtrade status three years ago, also ran a chocolate and bun shop, hosted a tea party and made bunting.
The events were organised by the school's Fairtrade Committee of six pupils.
Learning mentor Susan Little said: "It's important they realise not all children are as fortunate as they are. Our children are very interested in children in other countries, particularly where school isn't available to all."


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The Canucks third line centre competition
The Canucks play their first preseason game tomorrow and the most compelling competition for a roster spot this year is without a doubt for the third line centre spot. The competition is wide open, with some veterans, youngsters and raw rookies in contention.
Mike Gillis' draft record isn't as bad as you think
With the Canucks struggling to win games this season, fans are looking for answers. They see an aging team that appears to be in decline since their near dream season in 2010-11. The Canucks aren't getting any younger. They have only four players on their roster under the age of 25 (Zack Kassian, Chris Tanev, […]
Draft Day Recap: Pronger, Bouwmeester Traded and the Canucks Nab the Next Patrick Kane
The 2009 NHL entry draft did not offer a lot of surprises in terms of players selected (Tavares, Hedman and Duchene went in predictable order), but did offer a couple of interesting trades.


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Ireland Map
Often described as the Emerald Isle for the green of its countryside, Ireland is a country rich in history and tradition. Map of Ireland provides online information about political and physical location of Ireland, its cities and states and outline map of Ireland.
Perhaps the most fascinating treasures of the country are its Celtic heritage and the breathtaking beauty of its natural landscape and coastal scenery. But above all, Ireland's greatest treasure is perhaps its people whose gay abandon and positive outlook towards life could be savored in the lively environs of an Irish Pub in a remote coastal village. In Ireland Map find best educational destination and universities locations of Ireland. Ireland is also a hot educational destination and the country boasts of several literary and cultural greats.
Find road and rail network map, travel spot of Ireland, fast facts about Ireland, Dublin map and much more with Ireland map. Map XL brings to you in the pages soon to follow a wealth of information about Ireland together with a wide range of online Ireland maps and related printed Ireland map from our map store. So watch out for this space for the best about the one and only Emerald Isle.