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For related articles and information, please visit OCA's Environment and Climate Resource center page and our Organic Transitions.
Statements that Savory's work isn't supported in the academic peer-reviewed literature, or that it has been discredited in the academic literature are categorically wrong. The entire so called discrediting of Savory rests on two papers, Holecheck (2000) and Briske (2008), which themselves have been refuted in the academic and professional literature (Teague, Provenza, et al 2008; Teague, Dowhower, et al 2011, Gill 2009b, Gill 2009c). Studies in peer-reviewed academic literature show that Savory's method works in achieving a full suite of ecological, economic, and quality of life enhancing goals (Stinner, D. 1997, Teague R. 2011), including improved grass density, soil moisture, soil bulk density, standing crop biomass, and soil organic matter (SOM) (Teaque R. 2011) and percent volumetric-water content (%VWC) (Weber K.T., Gokhale B.S., 2011), where both SOM and %VWC are indicators of soil carbon. A recent study from Chiapas, Mexico has shown that Holistic Management on dairy farms allowed for an increasing in production with a simultaneous increase in sustainability (Alfaro-Arguello R., A.W. Diemont S., 2010). And Savory's thesis that a paucity of animals on grasslands is a major cause of desertification is also supported (Weber, K. T., Horst, S., 2011).
There is abundant empirical evidence of its efficacy (Dagget, D 2000, 2005; Judy, G 2008; Howell, J 2008, Savory Institute 2013, Planet-TECH 2013).
The climate crisis is much worse than is commonly realized and efforts of atmospheric carbon capture must become a worldwide priority. Recent research suggests summer polar cover could be entirely gone by as early as 2016 (Romm 2013), and that the resultant positive feedbacks from arctic methane release could cause runaway catastrophic warming, with "Permian Extinction" level consequences within this century (Arctic News 2013).
• Romm 2013, Death Spiral Watch: Experts Warn 'Near Ice-Free Arctic In Summer' In A Decade If Volume Trends Continue, http://thinkprogress.org/climate/2012/09/05/799761/death-spiral-watch-ex...
• Arctic News 2013. Global Extinction within one Human Lifetime as a Result of a Spreading Atmospheric Arctic Methane Heat wave and Surface Firestorm. http://arctic-news.blogspot.com/p/global-extinction-within-one-human.html.
Addressing Misconceptions about Savory's Work
Misconception 1: Savoy has been discredited by peer review literature.
False. The entire so called discrediting of Savory rests on two papers, Holecheck (2000) and Briske (2008), which themselves have been refuted in the academic literature (Teague, Provenza, et al 2008; Teague, Dowhower, et al 2011, Gill 2009b, Gill 2009c). The Holechek and Briske papers were synthesis reports of grazing management studies. The papers correctly stated, based on their review, that "rotational grazing" or "short duration grazing" systems don't have superior performance to continuous grazing. That was their whole finding, for which Savory or any practitioner of Holistic Management would concur. Their error, however, and the cause of this confusion, was in associating the studies cited with the Holistic Management approach advocated by Savory. This is a specific adaptive planning process geared for maximum ecological performance that incorporates goals and monitoring. Savory and others refer to this as planned grazing, or Holistic Planned Grazing (HPG). The distinction between that and what was studied by the papers in Briske and Holechek could not be more different, and the findings of one have no bearing on the other.
Here is what Teague has to say about it:
"The benefits of multi-paddock rotational grazing on commercial livestock enterprises have been evident for many years in many countries.... Many ranchers who have practiced multi-paddock grazing management for decades are very satisfied with the economic results and improvement to the ecosystem, as well as the change in management lifestyle and social environment of their ranch businesses. Such ranchers regularly win conservation awards from the ranching industry and natural resource professional organizations. In contrast, many grazing researchers have concluded that multi-paddock grazing offers no significant benefit over continuous grazing (Holechek et al. 1999, 2000; Briske et al. 2008), but their studies have been largely small-scale trials focused on the technical questions of ecological impacts and livestock production conducted in a relatively limited scope of fairly resilient landscapes. In addition, research plots are designed to reduce or eliminate variability, while ranch managers must manage in the environment with all the inherent variability othe landscape." (Teague et al., 2008) ... "Grazing ungulates have an entirely different impact on the landscape than that implied by Briske et al. (2008), as is well documented by work at the landscape scale we have outlined earlier in this chapter. This points to an entirely different and more meaningful way of designing and interpreting grazing trials" (Teague et al., 2008). ... "Our study contradicts a recent review of rangeland grazing studies (Briske et al., 2008) which suggested MP grazing does not improve vegetation or animal production relative to continuous grazing. The discrepancy is because we measured the impacts on vegetation and soils achieved by ranchers managing at the ranch scale and adapting management in response to changing circumstances in order to achieve desirable outcomes" (Teague, et al 2011). ... "At the ranch scale, when multi-paddock grazing is managed to give the best vegetation and animal performance it is superior to continuous grazing regarding conservation and restoration of resources, provision of ecosystem goods and services, and ranch profitability" (Teague, et al 2011).
As a result of the discussions on TED, Teague (2013) has reissued his refutation of the association of the Holechek and Briske findings with Savory.
"The debate on MP grazing is not over. Reviews of grazing management research by Holechek et al. (2000) and Briske et al. (2008) concluded "multi-‐paddock grazing improves neither vegetation nor animal production relative to single-‐paddock continuous stocking." This hypothesis and viewpoint is deficient because it does not consider 1) critical differences between reductionist science and management, 2) the integration of ecological, economic, and social goals required for successful management, and 3) the value of case studies for studying such phenomena"
"To test this hypothesis, we compared ranches managed traditionally or with multi-‐paddock grazing for at least 10 years. Our findings were consistent with the hypothesis that "at a ranch management scale, planned multi-‐paddock grazing, when managed to give best vegetation and animal performance, has the potential to produce superior conservation and restoration outcomes for rangeland resources, to provide superior ecosystem services for society, and to yield greater ranch profitability and greater socio-‐ecological resilience compared to season-‐long continuous stocking." This research is published in Teague et al. (2011)."
"During the last two decades, the vast majority of awards for conservation have gone to ranchers using multi-‐paddock grazing of some form to accomplish ecological, economic, and social goals. Each one of these ranchers, and all others using multi-‐ paddock grazing, refutes the hypothesis of Briske et al (2008). As an illustration of the validity of this approach, the NRCS in Texas now receive Holistic Management training developed by Allan Savory and use it for their planning and management advice to ranchers throughout the state." (Teague 2013)
Here is what Savory had to say about the distinction between planned grazing (his approach) and rotational or short duration grazing systems as early as 1983.
(Planned grazing) is not a grazing system. Anyone describing it as a grazing system is merely indicating that he has not yet understood the holistic approach to the management of all resources simultaneously, with constant monitoring and adjustment to achieve a goal.
Some say it (planned grazing) is a 'cell system' or the 'wagon wheel system'. Again this is totally erroneous and can only lead ranchers to costly error if they believe it and apply it as such. (Savory 1983)
Briske and Holechek would have known that Savory himself was outspoken about disavowing the types of grazing management systems that they were studying, and could have made that point clear.
Here is Savory's response to Holechek's paper.
"The work Holechek et al. describe is unlike any range management practice I have ever advocated. They claim an exhaustive research of the literature and refer to the first edition of my book. In my writings there is nothing advocating the short duration grazing they researched. In fact I have consistently stated that all grazing systems and rotations, including short duration grazing, will fail" (Savory 2000).
The best refutation for the lay person, is from Chris Gill (2008, 2009a-c), a West Texas rancher. See citations below, particularly (2008). That is a point-by-point breakdown of Holechek. It is fascinating reading. Here is an example from Gill, in a letter to authors of the book Habitat Guidelines for Mule Deer which had claimed that Savory's thesis had been "disproved" citing, of course, Holechek and Briske.
"Your conclusion has two parts: (1) planned grazing does not increase range productivity, and, (2) the increased hoof action of a large number of cattle associated with planned grazing consistently compacts soil and thereby decreases water infiltration (Heffelfinger et al. 2006). Both conclusions may be correct with respect to short duration grazing systems (SDG's). Neither is valid with respect to planned grazing. No study cited, or relied upon, tested the outcomes of planned grazing (Holechek et al. 2000)." ... "Excessive Herbivory, page 11 (of the Mule Deer book), states in part: '(Allan) Savory claimed that by grazing pastures intensively and moving stock frequently the range could actually be improved while simultaneously increasing the stocking rate. On some ranches it was even claimed that stocking rate could be doubled or tripled with improvements to range and livestock productivity. Researchers during the last few decades have shown these claims to be invalid (Heffelfinger et al. 2006; Holechek et al. 2000).'"
"To the contrary, this is precisely the outcome we have experienced. After eight years under planned grazing at our 32,000-acre high-desert mountain Circle Ranch in Hudspeth County, far-West Texas, we take almost triple the animal days of grazing (AD's) possible from conventional stocking rates recommended by NRCS and Texas Parks & Wildlife. Conventional practice dictates a herd of 250 head for 365 days: 250 X 365 = 91,800 AD's. This year we are running 1000 head for 240 days: 1000 X 240 = 240,000 AD's; plus, 50 head for 180 days: 50 X 180 = 9,000. This totals 249,000 AD's, 270% of conventional results, virtually the very result you say has been proven invalid." (Gill 2008)
Talking Points Regarding Savory: How Organic Farming Can Reverse Global Warming
Planet Tech, March 22, 2013
Straight to the Source


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Harmony of the Gorge Christmas Chorus rehearsal
- When: Tuesday, October 8, 2013, 6:30 p.m. to 8:30 p.m.
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Women who like to sing Christmas carols are invited to sing with the Sweet Adelines throughout the holidays. This is the first of several Tuesday practices.
There is a $10 deposit for copies of music.
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Posted by: Hotel Curious at 2008-11-12
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Run Sheldon FREE - Addictive Endless Running Game For Kids & Adults
Meet Sheldon, winner of the famous 'Tortoise and the Hare' Golden Racing Trophy. Unfortunately the Hare Gang isn't happy about losing the race and will stop at nothing to get that trophy back. If Sheldon wants to save the cup, he'll have to run for it! Run Sheldon is a fast-paced, addictive action runner in which you must help Sheldon the tortoise race to victory and outwit an endless stream of pesky hares.
To aid our hero in his adventures, Run Sheldon features an array of amazing power-ups and special items to help Sheldon run, fly, bounce and superdrop his way to freedom. Collect coins along the way to upgrade Sheldon's power-ups, buy cool clothing and earn extra lives.
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United Way advances the common good by creating opportunities for a better life for all. Our focus is on education, income and health, the building blocks of a better quality of life.
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November 27, 2014
Their message was clear before any words were spoken. Children holding signs saying "Save Walnut Grove." A handful of people addressed the school board on Tuesday night, pleading the elementary school not be closed.
There were many reasons voiced to keep the school alive: it serves as a community center, the great staff and history, and the proximity for many living in the western part of Council Bluffs.
After people spoke in favor of keeping the school, a committee presented their recommendations to the board. One member said that Walnut Grove doesn't meet the standards other schools in the district do.
No decisions were made at Tuesday's meeting. The board may make a decision, to either keep or close Walnut Grove, by mid-May.
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Mary's Fish Camp - Very Disappointing
- k
- KZ Oct 5, 2004 01:01 PM
My husband and I were both very disappointed with our dinners at Mary's Fish Camp last week. We started with oysters on the half shell, which were good and came with tasty sauces and fresh horseradish. I wish we had stopped at this point.
I ordered a glass of wine which came in a juice glass, and tasted like cheap airline wine.
We ordered two types of grilled fish from the daily special board. Both came filled with large chunks of raw garlic and herbs. The garlic was so strong, we couldn't taste anything else. We are big garlic lovers, but the garlic stuffing was so strong we couldn't eat it, and it imparted an unpleasant flavor to the fish.
The server discouraged me from ordering a side dish of spinach, because my entrée came with vegetables. The vegetables turned out to be onions and two thin slices of summer squash, a very poor substitute for the spinach I desired.
We stopped at another restaurant, I Tre Merli Bistro, on the way home, and doused the burning garlic flavor lingering in our mouths with a great bottle of Italian wine served by a charming gentleman. The evening was saved, but we sure won't return to Mary's.
Mary's is one of my favorite places. I have been there about 50 times. There are a few caveats, however. First of all they crank the music up way too loud. Not good. Second, the service can be down right rude. I guess it is supply and demand. Since they have the lines they can set the rules. The servers are mostly from that Sapphic Island, if you know what I mean, as is Mary. Also I would never get the whole fish. I agree totally with what you experienced. The only exception is to get the fried Talapia. Tasty.
With that said why is it one of my favorite places? One, the best lobster roll I have ever had. Two, the best fries I have ever had. Three, the best hot fudge sundae I have ever had. Four, the skate is tremendous, the trout sandwich and the cod sandwich are unbelievable. The salt shrimp is great as are the chonch fritter side. I think you just had the unfortunate experience of picking the wrong things. Give it another shot. Go for Saturday lunch. But make sure you get there before 2:30 even though they are suppossed to serve till 3:00. They make the rules.As for the wine, I like it in the tumbler! Reminds me of the way Grandma did it. Old school.
re: BigBoy
When Mary's first opened up it was a really great place with food on the same level as Pearl Oyster Bar. But it really has gone down hill. They no longer pay careful attention to the way they make there dishes. And the service is just plan rude and pushy. I won't even get into how "zoo-like" it is in there.....sheezz!
The last time I was there, their where people sitting on the side walk waiting for there take out order. It looked most tacky.
Even though Pearl's can be a zoo also, its a rather nice zoo. The staff is nicer and take out is quick and painless.
My Grandma never served me wine in a tumbler!
I had lunch at Mary's a few months ago; sat at the counter and had their fish sandwich. They burned the roll - the sandwich was very difficult to eat...that is: it was a mess. The quality was good. Nothing great. And I was a bit put off by my waitress's snotty attitude. They can take their "rules," and ________ (you know what). I can't come up with any reason to return.
I went there for lunch about a month ago and it was one of the best lunches I had this summer. They oyster roll is even better than the lobster roll and the octopus salad was the best prepared and presented octopus dish I've ever had. We also had a special fish sandwich that was amazing.
I remember the service being somewhat gruff when I first went to Mary's, but our server that day was great, accommodating without being "I'm Cindy and I'll be your server-fake".
I heart Mary's Fish Camp
re: Epicurious
Agreed. Between Mary's and Ed's I can't tell who's better at serving mediocre food at a astronomic price. I haven't been to Pearl's yet. Or have I?
re: bigmackdaddy
You have not!
I happen to like eating at a counter, with a delicious Sancerre to go with my delicious mollusks. It's a very straight-forward experience.
Pearl does this better than their former associate's spin offs.
re: bigmackdaddy
Cheers! It's a regular item now, although it sells out fast...
I'm fairly certain that the server attitude is supposed to be charming - like that one place in Chicago that I can't remember the name of where the waitstaff would sit at your table to take your order while berating you. It's not charming; It's like being served by the cast of "Grease."
Our waitress at Marie's came up to us chewing gum and said "waddyawant?"
What I want is for you to go in the kitchen and procure me one a them lobster rolls and quit with the stupid gimmick.
re: sourmilk
Ed Debevic's! But Ed Debevic's was charming in its way. Mary's is not. Either they should be a proper restaurant or change to a storefront dispensing lobster rolls. (Come to think of it, that might be a significant improvement.) The same can be said for Pearl. And don't get me wrong, I really like their food.
re: Dedicated Fresser
Lobster roll was good, not great. Food was generally OK but overpriced. Certainly not worth the wait on a Saturday afternoon.
re: sourmilk
That'll be $45, please! I agree 100%. If it were more reasonably priced, I could hack the wait. I had a good piece of fish there for lunch once, but the price was over the top. I used to love kiddingly mean witers at some of the old Jewish delis. They'd crack you up! Somehow it's less funny when you're paying as if it's a high class jernt!
years ago i loved mary's but i think they've lost some of their focus. these days i only go to pearl.
re: Buddha Belly
Been to Pearl's a few times...nothing disparaging to say about experiences there. But Mary's is consistently over the top sublimely delicious; and the service is always NY friendly and effecient. Oh, and Mary can most evenings be found running the place...a HUGE plus.
Went to Mary's two Saturday's ago for lunch. I had no idea it's such a small place. The server was attractive, vivacious, and friendly and called out to me while I was waiting outside (I was expecting rude). I ordered canadian steamers (avoid this), and the famed lobster roll, which did blown me away. Yet I have to say I was more impressed with the fries than the heavily mayonnaise'd lobster roll itself. The lobster roll at $28 MP I thought a bit expensive. (I asked the server if she was Mary and she said Mary's in the kitchen.)
Went to Pearl's last Sunday. I was greeted warmly by the lady at the door. (I was told she's not Pearl herself). I ordered fried oryster (good), salt crusted shrimp (ok but I thought not as tasty as the salt pepper shrimp in Chinese restaurants), and bouillabaisse (very tasty but not spectacular). Not sure I ordered the right things.


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Veterans Small Business Association Foundation (VSBAF.ORG) was founded by Rallie P Rallis of Seal Beach, California, in January 2013, as a means to help those who served our country.
Rallie is a ex-Navy officer who served in the Civil Engineering Corps. In addition to his naval career, he is a published author, business coach, internet marketer, and real estate investor, withover 50 years of business experience in manufacturing, marketing and business building.
He is also a member of Rotary Long Beach, serving on the Military/Veterans' Support Committee.
Because Rallie is the owner of several businesses, he refers himself as a "serial entrepreneur."
He is currently the CEO and Chairman of VSBAF; Owner of R Rallis Enterprises – business advisory company; Owner of Ralder Investment Group, LLC; On the Board of US Veterans Support Group, LLC, the parent company of Armed Forces Radio Network.
His newest book…"The Makings Of A Millionaire" was written to show the many ways that one can become a millionaire. The book is available on this site, with 100% of the proceeds going to VSBAF.
Veterans Small Business Association Foundation coaches and advisors are ready to help veterans select and build their own business with assistance in the following areas:
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Since many veterans need help, fundraising is key to how fast Veterans Small Business Association Foundation can expand its assistance program to Veterans wanting to get started.
George Lanza, President of Plethora Businesses, CBI, CBB, M&AMI, CSBA, MEA
George Lanza is the co-founder of Plethora Businesses, a mergers and acquisitions firm located in Orange, CA. With more than 30 years of experience in management, consulting, business valuations, mergers and acquisitions, George has successfully closed more than 200 business transactions and completed more than 500 valuations and appraisals.
He holds numerous leadership positions in key M&A organizations. He currently holds the position of Chairman for the International Business Brokers Association (IBBA) and Director of The M&A Source, the world's largest organization of middle market intermediaries. He was the 2010 Chairman of The M&A Source and on the Board of Directors for the California Association of Business Brokers (CABB) from 2008-2012.
George is one of only 80 business intermediaries holding the prestigious Mergers & Acquisition Master Intermediary certification, a Certified Business Intermediary and is also certified as a Senior Business Analyst and a Machinery & Equipment Appraiser. George also is a registered representative stock broker.
He teaches mergers & acquisitions and business valuation-appraisal classes throughout the country. As an IBBA University approved instructor, his classes provide educational credits to local and international members of organizations such as the IBBA, M&A Source and CABB. He also speaks at local colleges and universities in the business and entrepreneur departments and frequently addresses professional associations.
George is an active member of the California Association of Business Brokers, the International Business Brokers Association, the M&A Source, the Institute of Business Appraisers (IBA), The Society of Business Analysts (SBA), and The National Equipment Business Brokers Institute (NEBBI).
After graduating from the Naval Academy of Argentina in ship design, George moved to the US and studied Manufacturing Engineering at the University of California Irvine. He also studied Hydraulics Design at the Paul-Munroe Hydraulics School of Fluid Power, International Managerial Relations at the University of Southern California, and received his Mortgage Banking Certification at California State University Fullerton.
In his spare time George attends functions as a member of Rotary International, the Long Beach Yacht Club, and the Corsair Yacht Club. He resides in Belmont Shore, California with his wife and partner Dora Lanza, and together they have raised four boys.
Leroy Watson, Business Consulting….
Grocer & Merchant Professional Warehousing & Distribution Specialist, Retail Real Estate Leasing & Construction Expertise
Leroy began his career in 1948 at the age of 16 working with a small grocery chain in Southern California and leaving as part of the management team five years later.
For two years he owned 50% of two small neighborhood grocery stores while also attending California State University L.A. In his third year of studies, Leroy was drafted and received an Honorable Discharge from the U.S. Navy in 1957.
In 1958, Leroy was the first employee of Trader Joe's Markets/Pronto Markets, reporting directly to Joe Coulombe the founder for over thirty years as Vice President. In 1979 the company was sold to a German Family in Essen, Germany. At that time Leroy was the largest stockholder in the minority stockholders group.
Throughout his forty-three year tenure with Trader Joe's, Leroy opened and managed the first four stores, managed personnel, security, construction, distribution and was in charge of real estate, maintenance and equipment. Over the years he also managed the buying department; created many new product lines from many countries; purchased and sold cheese licenses, purchased and applied for liquor licenses; and oversaw the warehouses, which included the closing and relocating of several.
During the last six years with Trader Joe's, Leroy was in charge of finding over fifty store locations including negotiating the leases and supervising the remodeling or the construction of new buildings. His last major project was relocating the corporate office building including supervising its construction from the ground up. Leroy retired as Senior VP of Operations in 2001, a key player in the 179 store chain with gross sales of $1.77 billion annually.
Over the past 13 years Leroy owned and operated an importing company of beer, wine and distilled spirits. Licensed in 30 states, the company imports products from England, Scotland, France, Spain, Argentina, Chile and New Zealand.
Leroy's recreational interests include traveling, boating and winter activities with family and friends near his home at Lake Tahoe, NV.
John "Woody" Woodrum, Businessaman
John "Woody" Woodrum is experience businessman and an Advocate – Family Member JT Foxx Mega
Partnering. He is one of those rare and unique individuals in life who combines intelligence with integrity. In all of my dealings with him, he could always be counted upon to stand by his rock-solid principles and do what was right.
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Has been Director of Maxon Lift Corp, the leading manufacture of truck lift gates, since 2001.
In the past he served as Director of Operation with companies like SteadiCam and Allied Signal, in Manufacturing, Logistics and Program Management for Military Helicopter, Submarine and Surface Sonar Devices
His the co-found and board member of Salt and Light Council.
His is on the Board of Advisers of Asian Heritage Coalition.
In '06 Woody was US Congressional Nominee
February 2012 to January 2013…Great Los Angeles Area…Woody Woodrum found Growthink to be a good team to work with on advancing your business. Gave practical advise, clear definitions and met some wonderful people.
Lynne Wainfan, Ph.D. Owner of Compass Alliance Consulting
Compass Alliance Consulting specializes in organizational growth strategies. Lynne became fascinated with strategy after becoming the Chief Strategist & Business Development Director at Boeing. Lynne subsequently researched strategy at the RAND Corporation while earning her doctorate. Lynne invented Multi-perspective strategy theory–methods to help groups who don't agree on anything to agree on strategy. Her specialty is applying hard science to soft issues, as described in her books on collaboration and trust.
Lynne's hard science career began in engineering. She earned her BS in Aerospace Engineering from the University of Michigan, among the 1% of aerospace students who were women. She earned her MS in Mechanical Engineering from UCLA. In her 25 years in the aerospace industry, Lynne has held several leadership positions: she worked program management for military and commercial space programs such as Milstar and Spaceway. She also led organizations of systems engineers, business analysts, and regulatory experts. She was known for helping her employees with their career development.
Lynne has been described as an omnicurious renaissance woman. She is a part-time professor at California State University Long Beach, teaching research methods/analytics and collaboration. She has written dozens of publications for business, technical, mass media, and fiction audiences. She holds patents in telecommunications, and is a national model airplane champion. She is a pilot and helped build an experimental airplane.
Lynne's community activities include being the license holder for TEDxSoCal and the Chairman of the Board for the Westerly School of Long Beach. There she got board buy-in consensus of a five-year strategic plan that was implemented in three. She led the school's first capital campaign, raising $2.3M in four months. Lynne is a member of Rotary Long Beach, serving on the Military/Veterans' Support Committee.
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Veteran can expect advise on record keeping, and deduction to minimize amount of annual income taxes.
Frank is an Enrolled Agent, and a federally licensed tax practitioner, who specializes in taxation and has unlimited rights to represent taxpayers before the IRS. He competent in all areas of taxation, and is one of 46,000 practicing Enrolled Agents in the US – 1,000 of them in California. He is also a Certified Tax Coach, and this designation is considered the elite of tax practitioners, due to the in depth knowledge needed to coach and guide clients.
Angelica Michail,MBA, CBB, CBI
Angelica is with "Sunbelt Business Brokers", and Veterans interested in owning their own small business can expect to get educate, mentor, and advise, from Angelica….
Angelica worked for more than 25 years as an actuary for life insurance and actuarial consulting companies such as Metropolitan Life, Transamerica, Swiss Re and National Actuarial Network. As a reinsurance actuary, she worked with many national and international life insurance companies pricing, negotiating and auditing reinsurance contracts. She is a Fellow of the Society of Actuaries and her degrees include an Executive MBA from the Drucker Business School, Claremont University and a BS in Mathematics from the University of the Philippines.
She and her husband Sobhi own Sunbelt Business Brokers of Pasadena. Angelica has earned the designation of Certified Business Broker and Certified Business Intermediary. As a business broker, she helps people buy and sell businesses.
Angelica is a member of International Business Brokers Association (IBBA), California Association of Business Brokers (CABB), Industry Manufacturers Council (IMC) and a board member of the San Gabriel Valley Regional Chamber of Commerce. She is active in her community through Soroptimist International of Puente Hills and Toastmasters International the San Gabriel valley Consortium on Homelessness. Additionally, she is the Founder/President of Valley Housing Partners, a nonprofit that provides housing for homeless families and individuals.


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The predictably precocious Curious George springs to life in this animated series based on Margret and H.A. Rey's classic children's books and narrated by actor William H. Macy. This season, George helps his favorite band find a venue and learns about acoustics, rides the subway for the first time and enters a Soap Box Derby race and more!
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Uses for Ginger
- Rosaline Gray Jul 11, 2010 09:30 PM
Does anyone have any ideas on how to use fresh ginger? I've done a search on my own and the only thing Google is giving me is Ale and cookies.
I would like something savory but simple.
Thanks Bunches
Rosaline G
You mean in a dish, right? Ginger is used very extensively in Asian cooking for example. It is always used as a spice. You can even make green onion ginger dipping sauce, which I like a lot:
It is simple. Ginger, scallion (green onion), oil and salt.
Jerk seasoning is the first thing that comes to mind..I love fresh ginger in this dish. Also, a simple cucumber salad with them sliced, sliced scallions & finely grated ginger (use a microplane & put in freezer first to firm it up for easier grating). Make a simple vinaigrette with rice vinegar, a pinch of sugar, s & p. Toss together and refrigerate for a few hours for the flavors to meld.
Other uses are orange ginger sauce for stir fry or glazing chicken, fish or pork. Add some grated to pancakes or waffle batter, grilled sesame ginger tuna or shrimp salad, keeping with the Asian theme. For a beverage, make ginger lemon or limeade by steeping sliced ginger for a simple syrup first. You said you wanted savory but you could use ginger in a pear compote or marmalade. And don't forget, ginger wrapped well freezes beautifully. Just use what you need and put back in freezer.
I can suggest 2 savory recipes that are simple and quite fast.
The first is a salmon stir firy. Peel 2-3 inches of ginger and chop into half inch cubes. Grind up in the food processor with some chopped chillies and a couple of bits of peeled garlic. Then take some skinned salmon steaks and chop them into 1 inch cubes, and stir fry in a wok with the ground up chilli & ginger mixture and a few splashes of soya sauce. I don't tend to add any oil, as the salmon produces enough oil. Yummy with either rice or new potatoes and a vegetable.
The second is a chicken recipe. Saute chopped onions, then add minced garlic & again a few inches of ginger (peeled & finely minced). Add pieces of skinless cubed chicken breast and continue to stir fry till the chicken is cooked through. Then add yoghurt and heat through, and finally some ground almonds (to pull the separated yoghurt into a nice creamy sauce) just as you're turning off the heat. Serve with rice.
I'd suggest that the OP needs to re-Google on slightly different search criteria. Ginger is used so extensively in recipes that she must be asking for something very restrictive to only come up with ale & cookies.
Here's just one website:
re: Harters
Agree with Harters. I was a bit astonished to read she only had come up with Ale and Cookies (although fresh grated ginger root, candied ginger, and ground ginger together are wonderful in cookies!)
It's superb in things like a pot roast, chicken or pork stir frys, mixed with maple syrup as a marinade for salmon before grilling, in vinaigrettes, mixed in with mango, finely diced red bell peppers, and onions for a fruit salsa, mixed with butter and tossed with cooked carrots and green beans....lots of things.
Some recipes using fresh ginger:
re: Harters
A site like www.supercook.com will generate recipes based on the ingredient list you input.
My current favorite recipe using ginger is Stir-fried Roasted Eggplant, from Deborah Madison's Vegetarian Cooking for Everyone. It also contains scallions, garlic, tomato, and other seasonings and is versatile: omelet filling, topping for starches, bruschetta....
first, i'd make chicken tikka! http://www.epicurious.com/recipes/foo...
then i'd make some spinach, indian-style (palak paneer, saag, etc.) http://www.whats4eats.com/vegetables/...
then i'd make thai ginger chicken http://importfood.com/recipes/gingerc...
then i'd make ginger lemongrass soup from thailand http://events.nytimes.com/recipes/651...
then i'd make creamy curried carrot-ginger soup http://www.oprah.com/food/Curry-Carro...
Ginger ice cream! Use coins of fresh ginger and let them steep in warm milk for a while to let the ginger flavor permeate through. Then continue on with your recipe.
I eat it straight, but then that's probably just me.
As to other uses ...
Try soup. Boil some yams (or sweet potato) with chunks of ginger in a vegetable broth. Garnish with a swirl of sesame oil and nori flakes.
Stir fry with Shitake mushrooms. Peel and julienne your ginger (into thick matchstick sizes) and stir fry with some julienned shitake mushrooms.
Use in poaching liquid when you poach eggs. It adds a fabulous dimension to your eggs and imparts to the yolk a sweetness not unlike vanilla custard.
re: ipsedixit
I thought I'd clicked onto the quinoa thread and was about to ask you to explain how you poach eggs in THAT...d'uh! I have a container of pickled ginger (the type that is served with sushi) and will try a little of that for poaching eggs. Since there is vinegar in it, it will do double duty. Thanks for the inspiration.
re: greygarious
Poaching eggs in quinoa?? Don't give me ideas ...
Ginger's in practically every Asian dish ever made. But beyond that, two unusual suggestions - grate some into a peach pie for a wonderful combination of flavors. AND - it is an incredible cure for nausea - slice or bruise some ginger in a cup of hot water and it relieves that icky feeling like magic.
In Chinese cooking there's the differentiation between young ginger and the de facto "old/mature" ginger, the former being more expensive, although I haven't used it for home use.
In Cantonese cuisine, you can finely dice or blend up scallions, grate or really finely chop up ginger, add some oil and salt to mix it up together, and it makes a fantastic dip sauce for poached or steamed chicken. Usually you can ask for a small container of that sauce at your Chinatown BBQ/deli place, and sometimes they charge for it. It is also a supreme dip sauce to be used with soy sauce chicken (and Hainan chicken rice too).
re: Chemicalkinetics
They have it in summer in Manhattan Chinatown, if you're anywhere near.
re: buttertart
Good to know. I find young ginger all the time in SF Chinatown and couldn't find them in say Oakland Chinatown or Philly Chinatown.
re: Chemicalkinetics
That surprises me about Oakland, I'm sure they had it when I used to live out there.
re: buttertart
Hi Butter,
I think there might have been some, but I were not lucky enough to find them. I even asked them about baby gingers and the Oakland Chinatown stores owners said that the baby gingers were not in season, yet I saw them in SF Chinatown in the same week. had even seen them in the Asian Supermarket Ranch 99 - if rarely.
re: Chemicalkinetics
It's one of those things you have to be looking for to find, it seems to me - you don't just stumble across it.


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In the last two decades there have been significant advances in our understanding of female genital tract tumours. The discovery of BRCA1 and BRCA2 genes in ovarian cancer and the mismatch repair genes in endometrial carcinoma has revolutionized our approach to the diagnosis and screening of women for ovarian and uterine cancers. This review discusses the pathogenesis of these two hereditary syndromes in depth and explains how the molecular genetics is tailoring the manner in which these diseases are diagnosed and potentially treated. Other, less common hereditary conditions associated with gynaecological tract manifestations, such as Cowden syndrome, Peutz-Jeghers syndrome, Gorlin syndrome and hereditary leiomyomatosis and renal cell carcinoma, are also summarized briefly.
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'Living your Faith'
Education for Discipleship - course for adults
Living Your Faith is the Diocese's own course package on discipleship.
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Module 1. Journey of Faith:
Where are you on the journey? Faith development and life-stages; connecting with others; developing discipleship and sense of life's mission.
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Exploring the nature of the Church as the local and worldwide worshipping community, commissioned by God to serve God's world.
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The Indian Premiere League was born in 2008 amidst a lot of buzz. It promised never before seen mixture of cricketing action featuring the best of world cricket, celebrity glamour and corporate power. Though traditionalists raised some doubts about its impact on the game of cricket, the masses we
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Bollywood's bubbly star Juhi Chawla, who has worked with such stars as Aamir Khan and Shah Rukh Khan in her prime, reportedly said that she hoped someday she is paired with Salman Khan in a movie. "I hope I get to work with Salman...he will not work with me because he hasn't in all these y
Bollywood celebrities like Shahrukh Khan, Madhuri Dixit, Jaya Bachchan, Amitabh Bachchan, Tanishaa, Kiran Rao, Abhishek Bachchan, Riteish Deshmukh, Genelia D'Souza, Madhoo, Sangeeta Bijlani and many others arrived at Juhi Chawla's brother Bobby Chawla's prayer meet held on March 11th. Imra
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Black Bean Pasta Salad
Cooking healthy doesn't mean you have to spend hours in a hot kitchen. Debbie Terenzini-Wilkerson serves a low-fat, fuss-free fiesta at her Lusby, Maryland home by simply combining a refrigerating a few tasty ingredients.
9 Servings
Prep: 15 min. + chilling
8 ounces rigatoni
penne pasta
1 jar (16 ounces) salsa
1 can (15 ounces) black beans, rinsed and drained
2 cups (8 ounces) shredded reduced-fat Mexican cheese blend
1/2 cup chopped green pepper
1 small onion, chopped
1/2 teaspoon salt
1/8 teaspoon pepper
Cook pasta according to package directions; drain and rinse in cold
water. Place in a bowl; stir in the remaining ingredients. Cover and
refrigerate for 30 minutes before serving. Yield: 9 servings.
Nutritional Facts:
1 cup equals 221 calories, 6 g fat (3 g saturated fat), 18 mg cholesterol, 635 mg sodium, 29 g carbohydrate, 5 g fiber, 13 g protein.
Diabetic Exchanges:
1-1/2 starch, 1-1/2 lean meat.
© Taste of Home 2014


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Find exactly what you're looking for with the web's most powerful recipe filtering tool.
Prep Time:
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Deep fried and delicious. We were at Krogers a few years ago and they were making these, We got the recipe and have made them off and on for years. Easy and really good.
Units: US | Metric
Serving Size: 1 (229 g)
Servings Per Recipe: 4
Make this season merry, bright and manageable with our easy ideas.


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2007 Toyota RAV4 Transmission Problems
200 TrueDelta members own (or used to own) a 2007 Toyota RAV4. 9 of these members (4.5%) have reported transmission repairs for their car. A total of 16 transmission repairs to 2007 Toyota RAV4s--an average of 0.1 per vehicle--have been reported.
See our lemon odds and nada odds page to see vehicles with no repairs or vehicles with more than three repairs. To see how frequently 2007 Toyota RAV4 problems occur, check out our car reliability stats.
Select a problem area
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Chart based on 176 repairs.
Chart based on 6 repair trips. The repair cost chart excludes repairs made under warranty, do-it-yourself repairs, and repair trips that include maintenance.
2007 Toyota RAV4 4dr SUV
269-horsepower 3.5L V6 5-speed automatic FWD
|56000 mi
|Replaced mounting bushings to repair transmission gear whine. Parts replaced, but whine still there. New transmission on backorder.
|Installed rebuilt transmission to correct gear whine.
2007 Toyota RAV4 4dr SUV
269-horsepower 3.5L V6 5-speed automatic AWD
|77500 mi
|Transmission suffered from a known issue, generating a loud whine. A TSB was issued for this problem, so I asked them to replace the transmission as the TSB recommends.
|rear seals
|pinion seal
|Leaking transfer case seal Leaking transfer case again
|Transfer case leak cause by broken transmission shaft. New transmission was installed.
|had a warning light on my dash come on intermitently. Had something to do with my 4wd
|Transaxle Whine Noise; step 1 did not fix the whine so step 2 (transmission replacement) will need to be done
|Front differential leak; the plug was replaced
|Left rear boot was twisted, starting to make noise. Replaced the whole unit under warranty.
|I had a leak in the rear axle and also had to replace the water pump.
|jan 2008 transmission was replaced,dec 2008 transmission was replaced again,june 2009 transmission was again replaced.due to input shaft failure,all was repaired under warranty.milage-8208,19192,25000,
|transmission had to be replaced---for the fourth time since since(june 2007) toyota replaced my 2007 i bought in april 2007
2007 Toyota RAV4 4dr SUV
166-horsepower 2.4L I4 4-speed automatic AWD
|111000 mi
|replaced driveshaft to rear wheels - failed


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mayor »
Mastery of George Black on full display at new development
Share (pictured above: The historic building was constructed with George Black's bricks.) A local developer is hoping his latest venture raises the standard of quality in the congested downtown living market, while also raisingRead More »
Joines backs Graham
Share (pictured above: Sen. Malcolm Graham speaks with supporters at his side.) Congressional hopeful Sen. Malcolm Graham won the support of a local heavyweight in his bid for the 12th District seat. Mayor Allen JoinesRead More »
Candidates seek support from Senior Democrats
Share (pictured above: Delmas Parker tout's W.E.B. DuBois' "The Souls of Black Folk.") Political hopefuls addressed members of the Forsyth County Senior Democrats on Wednesday, Feb. 5 during the group's regular monthly breakfast meeting atRead More »


text: Restoration Hardware Holdings (RH) Is Up After Q3 Report RELATED NEWS Restoration Hardware Holdings (RH) Is Pulling Back After Q2 Report Restoration Hardware Swings To Profit - Update Restoration Hardware Holdings (RH) Is Falling After Q2 Report Restoration Hardware Swings To Q2 Profit Trade RH now with 12/12/2012 4:34 PM ET Restoration Hardware Holdings (RH: Quote) reported third quarter adjusted EPS of $0.07 after the bell Wednesday. Revenues increased 22% to $284.2 million from $232.5 million last year. The stock is now up 0.58 on 33K shares.Restoration Hardware rose above Wednesday's narrow range going into the close and finished up by 0.63 at $36.69. The stock closed near the middle of a 2 1/2 week range. Click here to receive FREE breaking news email alerts for Restoration Hardware Holdings and others in your portfolioby RTT Staff WriterFor comments and feedback: firstname.lastname@example.com News


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Praia do Morro Apartment Rental Photos and Description
Apt 1 bedroom, 1 suite and balcony. 6 pessosas the 1st block from the beach.
Apt located on Beach condo Center in Block 1 of the Praia do Morro, containing two bedrooms with ensuite, balcony facing the avenue Oceanic, living room and dining room, kitchen, service area, 02 televisions, ceiling fans in bedrooms, accommodation for 06 people.
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Liberal Studies Events
The Core Program is an interdisciplinary program focused on building a community of scholars, and co-curricular activities are an essential part of our community. While Core Program students participate in many NYU activities and organizations, those sponsored by our program augment our curriculum and bring faculty and students together outside the classroom. Our colloquia, websites, and faculty-sponsored student organizations help students make connections among their Core Program courses and between our curriculum and the cities in which they are studying it. Through co-curricular activities, we bring intellectual theory into contact with daily experience.
Annual program-wide events bring renowned scholars and artists to speak to Liberal Studies students. Recent visitors include Yale art historian Timothy Barringer, philosopher Peter Singer, and former U.S. Poet Laureate Billy Collins. Student organizations like the Cinema Club, the Economics Club, and the Politics Club offer smaller, regular forums for speakers and discussion on topics as diverse as film, international markets, and global current events. And our paper and web-based student publications such as the West 4th Street Review literary magazine and the NYU Global Express magazine provide forums for student voices.
The following is a sampling of regular co-curricular activities.
The annual Liberal Studies Colloquium brings students and faculty together to discuss a topic related to all of our core courses. The day-long event includes keynote addresses by academics distinguished in their fields followed by small, discussion-centered breakout sessions; it is also accompanied by a web module of faculty-authored reference documents available on the Virtual Commons Blackboard site. Find the 9th Annual Colloquium web module here.
Liberal Studies Lecture Series
Each year Liberal Studies organized and sponsors a lecture series that features prominent speakers on issues relevant to the study and celebration of great works traditions in cultures around the world.
Liberal Studies Faculty Readings
The faculty of Liberal Studies is a community of active scholars and thinkers, with countless publications to their names. Every semester, Liberal Studies professors with recent publications are invited to read publicly from their works to an audience of Liberal Studies students.


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Mario Batali, new healthy persona?
- pitu Nov 28, 2008 03:22 PM
Just saw Mario Batali on a local news show and he looked...thinner. In a healthier way.
Good for him - what's up?
re: LindaWhit
Pretty sure it was the summer/fall of 2007. He did look huge.
This is sheer conjecture on my part, but given his increasing rotundness over the past (I'm guessing here) 15 or so years on TV, he's probably been told by his doctor to shape up or start making plans to join Julia in her kitchen in heaven.
He's at the age - I'm guessing mid to late 40s - where a lot of American men start to reach critical mass. Their vitals are borderline, and their weight is a cause but also a symptom of their health issues. Men that fall into his age group with the same health profile (and some women for that matter) develop serious life-altering conditions like extreme hypertension and diabetes - Mario "looks" like a guy who is a textbook case. My guess would be that his bloodwork is really scary, his heart must be pumping at least 50% harder than what his doctor feels acceptable, and his arteries could use a some roto-rootering as well.
I've known or known of three guys and one gal who died from heart attacks in the past few years who appear to be very similar to Mario. I think the couple of differences are that they had somewhat stressful careers and they weren't big-baller rich folks like Mario. However, I don't know if having a career that he loves or having abundant wealth will buy him much more time than my dearly departed friends...
re: bulavinaka
I would think that given the number of projects he has his hand in he leads a very stressful life. Being rich doesn't mean life is stress free.
re: Blueicus
I agree to a certain extent, but I think he would find much greater joy in pursuing his projects ("Spain: On the Road Again" ain't a bad gig when you're palling around with Gwyneth Paltrow, right?) than being an air traffic controller or a controller for a health insurance company...
re: bulavinaka
Maybe Gwyneth's 'high horse' talk had some influence on him :)
re: paulj
Maybe, maybe not... my sister's vegan this-&-that talk leaves me either way. Sometimes I feel like rescuing a poor creature of this earth, while other times I feel like eating it. And when I eat a full-on vegan-intensive meal (like we did this past Thanksgiving), I feel a need to purge all of that ethically earthy goodness with a 10-inch sub filled with five kinds of meat - hoofed, winged and otherwise, two kinds of cheese, all slathered with egg yolk laden mayonnaise, followed by a good Tuscan soup made with pork bones and filled with chunks of said-creature. I did that yesterday and I can now forgive my sister for the hell I went through preparing a multi-course meal absolutely free of animal exploit that only she truly enjoyed... Not that I'm expecting a suckling pig on her next visit, but she'd better not be expecting bulgar wheat loaf w/ legumes either... :)
re: bulavinaka
Yeah! Preach it!
re: bulavinaka
Oh waiter...I'll have what he's having!
re: bulavinaka
"Sometimes I feel like rescuing a poor creature of this earth, while other times I feel like eating it."
That's one helluva quote LOL
re: Ralphie_in_Boston
It's the catharsis of years of abuse by a militant passive-agressive guerilla vegan sister. If fate has any hand in her retribution, my sister should end up being the reluctant butcher at Hormel in her next life. Just kiddin' sis... ;-)
re: bulavinaka
Thats odd... I get endlessly ridiculed by the carnivores. I think its more of a personality thing...
re: Ralphie_in_Boston
In the words of Jim Gaffigan: "Fun to pet, better to chew."
re: bulavinaka
It seems uncouth to me for anyone to discuss a stranger's health status. Only a personal doctor has that insight and even then, doctors are so rushed to make judgements that their assesments are subject.
Mario knows what's best for Mario and I think we should respect his privacy. I do understand he's a public figure and thus is fair game, but why not keep the conversation focused on his skills, businesses, etc.?
re: tastyjon
Your view is valued. I apologize for making you or anyone else feel uncomfortable in my post. But if you read the OP, the question is asked. I'm just responding, and it's my opinion, and mine alone.
"This is sheer conjecture on my part,..."
As I've already mentioned, his health concerns are conjecture on my part, but given his apparent physical state and his age, those two factors are glaring similarities to some of my friends and acquaintances who are sadly no longer with us, but more so no longer with their beloved families. I apologize if I sounded demeaning in any way, but I call them as I see them, and that is what I see, based on my recent experiences.
Had the OP done as you wished and as you put it,
"...but why not keep the conversation focused on his skills, businesses, etc.?"
I guess I would have addressed those issues if I felt so inclined, but the OP didn't. If my "butting in" to this part of Mario's personal life makes just one person in a similar state at least consider that a lifestyle change is vital, then I'll take all the snark for what it's worth...
There was an article in the NY TImes back in March about the "pary being over" for "the fat pack" and it referenced Mario Batali and his goal to lose 40 pounds by the end of the year.
re: sibeats
Oh man...see, now you've gone and killed all the speculation and presumption by infecting it with actual quotes from the person in question! I hope he's been successful and that he's feeling well.
re: ccbweb
Oops! Sorry, didn't mean to ruin all the fun...!
re: sibeats
No worries! As you can see, it had little to no effect and we've still got plenty of rampant speculation and conclusion drawing all over.
re: sibeats
Good for him. Still, who has 2-3 hours a day to exercise?
"Believe me, by the end of this year I hope to lose 40 pounds the same way he has, by portion control and exercising two or three hours a day," Mr. Batali said. "You can't eat a large portion of a pig and lose weight."
re: ML8000
"You can't eat a large portion of a pig and lose weight."
Oh, man! I knew I shouldn't read this board. Great.
re: sibeats
it's funny, somehow i missed that article...yet when i read the feature on Joe Bastianich right before the marathon, my first comment was that i hoped witnessing his transformation might inspire Mario to make some healthful changes!
Batali has had a brain aneurysm, hypertension is a risk factor and obesity is a risk factor for hypertension. I think he's already had the wake-up call. I hope he doesn't smoke.
re: sharonanne
He does unfortunately, or at least he did. That's why I was expressing concern.
re: Avalondaughter
obvious health risks aside, i'll never understand chefs who smoke...it totally alters your sense of taste and smell, and definitely dulls your palate.
re: goodhealthgourmet
Perhaps it altered their sense of taste and smell in such a way that they were able to produce food that more people liked than they'd otherwise have been able to. And if one's palate is dulled, one is more likely to season aggressively and perhaps that helps for some chefs/restaurants/food as well.
I'm not arguing in favor of smoking (far from it, in fact) but we tend to presume that any alteration of a palate or a sense of taste will make for less appealing food....and who knows whether that's the case?
re: ccbweb
it's funny, i was thinking about that after i posted...and considering the caliber of many of the chefs who smoke [or used to] - Batali, Marco Pierre White & Tony Bourdain just to name a few - perhaps there is something to be said for it from a strictly culinary perspective!
re: goodhealthgourmet
Maybe that's why restaurant food is so salty?
re: Claudette
perhaps. maybe Anne Burrell smokes a couple of packs per day - that would explain a lot!
re: goodhealthgourmet
I recall reading in Michael Ruhlman's first foodie book (The Making of a Chef) that one of his instructors as the CIA claimed that older chefs tend to over season their food because their taste buds have declined. I can certainly imagine smoking having a similar effect.
re: goodhealthgourmet
other factors include social class (that's right, folks, chefs are blue-collar workers) and stress, stress, stress.
ten, fifteen years ago it was unusual to find a chef that *didn't* smoke, just as thirty years ago it was unusual to find a doctor who didn't smoke. it is changing, a little slower than the rest of society. a few years ago i did a demo with another chef at a farmer's market, and a bunch of chefs (many of whom were of the natural & local foods variety, but not all) were standing around. we were cooking on an outdoor grill (propane) and the automatic lighting mechanism was misfiring. so we were like "do you have a lighter, no-- do you?" and then "does anybody out there have a lighter?" and crickets: and we were: "wow a crowd of a dozen-twenty chefs and nobody smokes? LOL holy shit!" & the chefs all had a little conversation amongst themselves: "i quit five years ago, when did you quit? oh just three years ago, when we had the kid. i quit ten years ago. wow, good for you. . . " :)
re: soupkitten
Wow - that is a positive trend. Observing kitchen staff lighting up ciggies in the back of restaurants is so common in LA. I know these folks are under a lot of pressure in so many ways. What amazes me is that I don't see many who are moderately or severely obese. In fact, a lot of these guys and gals are a little on the anemic side - I'm guessing from pumpin' ciggies instead of downin' the stuff from the kitchen...
re: bulavinaka
Restaurant jobs are among the most aerobic jobs available in America at this point. Waiters and cooks MOVE four or five hours a day, solid. Only executive chefs get fat....
Recently on Iron Chef, he looked as if he had lost substantial weight. He was still cooking with Lardo.


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HOSPITALITY: Front desk agent P/T evening hrs 20-25/wk. Available immediately. Must have computer skills. Bi-lingual a plus. Apply in person: 7050 O/S Hwy, Marathon. No phone calls.More info Email a friend
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Northwestern Mutual Wealth Management Company
Trying to figure out the best way to invest for your important goals? A "bucket" approach, or what's commonly called "goals-based investing" may provide a simple and effective solution.
Think back several decades to your grandmother's time. When it came to managing the family's finances, grandma had the right idea. Rather than paying all the bills from one "pot," she organized her monthly budget by categories. Grocery money in one coffee can, clothing budget in another, rent in a third can and entertainment in a fourth.
By literally dividing the family's monthly income into different cans, according to needs and wants, grandma helped to keep the family out of debt and on sound financial footing. That's because grandma's system made it easy for the family to track their money. It also forced them to realize that if there wasn't enough set aside in the can marked "clothes," for example, they had two choices: they could postpone or reduce spending on new clothing, or they could take money from another can to cover the cost of new outfits, thus reducing the amount that could be spent on something else such as food or rent.
Now fast forward several decades. Today, the field of behavioral finance is proving the wisdom of grandma's coffee-can finance, specifically as it relates to what's called "goals-based investing."
Traditionally, investors have used asset allocation to meet investment goals by combining different assets into a single portfolio that is then optimized to provide the highest possible return for a given level of risk. In this instance, success is generally measured by how well that portfolio performs relative to a market benchmark and by using statistics like standard deviation to describe how volatile the portfolio may be.
While this approach has proven to be very effective in helping to maximize the risk-return relationship of a portfolio, it can make it challenging for investors to measure how well they're doing toward achieving specific goals. That's because behavioral researchers have found that most people don't think about their money as one large "lump." Rather, they use mental accounting to separate it into buckets based on different goals and other criteria. What's more, studies also show that when it comes to risk, investors focus on the likelihood of losing money (thus not reaching their goal), rather than on whether their portfolio beat the market overall.
Behavioral finance tells us that your feelings about how much risk you're willing to accept in relation to the money you've set aside for one goal may be very different from your feelings about risk related to another goal.
Goals-based investing recognizes that investors have multiple and sometimes conflicting goals. So rather than thinking about all of your assets as a single portfolio, goals-based investing encourages you to create buckets for your individual goals and then apply a timeframe and risk tolerance to each. In doing so, goals-based investing shifts the focus from tracking your portfolio's overall performance to providing a better understanding of what needs to be done to meet specific goals and the impact that may have on your asset allocation.
To be clear, goals-based investing doesn't provide a performance advantage over a traditional asset allocation strategy, and many investors are comfortable investing for all their financial goals through a single portfolio. But for those investors who are looking for a way to more directly align their assets with their needs and wants, goals-based investing provides certain advantages. Like grandma's coffee can approach, goals-based investing forces investors to separate and prioritize their goals and, in doing so, makes it easy for them to track their progress along the way. No matter what approach you take, just remember that no investment strategy can guarantee a profit or protect against loss.
To understand how goals-based investing might work for you, consider the following hypothetical examples:
Wayne and Karen Reyer, both age 55, have three children. Their youngest son, David, is just entering his freshman year of high school. With college just four years off, and their own retirement not far behind, Wayne and Karen have set aside nearly $200,000 in a 529 plan. In speaking with their wealth management advisor, the Reyers have determined they will need an additional $50,000 over the next four to eight years in order to cover David's total college costs.
Wayne and Karen opened their son's 529 savings plan the year he was born. At the time, they indicated a moderately high level of risk tolerance, which made sense given their longer timeframe. Now David's high school graduation is on the horizon, and the Reyers feel differently about the level of risk they're willing to take in order to build David's college account going forward. It makes sense: with only four years left until they need to start making tuition payments, the Reyers don't have a lot of time to recoup any market-related losses.
A goals-based investing approach can help. In order to grow David's college account from its current $200,000 to $250,000, the Reyers have three choices. Like our example of grandma's coffee-can finance, they can invest David's account in an aggressive portfolio designed to earn a level of return sufficient to build his account to $250,000, they can keep the $200,000 in very conservative investments and add $50,000 to David's account over the next several years using money from another source, or they can invest in a balanced allocation knowing that there may be a shortfall that they will have to fund from another bucket . Either way, goals-based investing helps the Reyers understand what it will take for them to reach their goal.
Wayne and Karen have saved diligently and want to retire in the next few years. Together they have a portfolio of $2 million in various 401(k) and IRA accounts. More than half of their portfolio is currently allocated to the company stock of Wayne's employer.
The Reyers have set a goal to use these savings to supplement the pension Wayne will be entitled to once he retires plus their respective Social Security benefits. Working with their wealth management advisor, the Reyers determine a withdrawal rate that they agree is sustainable for the duration of their retirement. Because they are likely to be retired for 30 years or longer, they want to be sure their money also has growth potential to keep pace with the rising cost of living. As a result, they'd like to see their portfolio perform slightly better than the rate of inflation while also producing income. When it comes to their retirement funds, Wayne and Karen describe their risk tolerance as low. What investment strategy would be appropriate to help the Reyers meet their goals?
A goals-based investment strategy makes it easy to create a risk-appropriate solution for their retirement needs. It begins by identifying a balanced approach that will diversify the Reyers' overly concentrated portfolio of company stock. This should help answer the Reyers need for liquidity to meet their cash flow needs in retirement. Creating a well-diversified portfolio will also help mitigate the likelihood that a downturn in the value of the company stock will prevent the Reyers' portfolio from achieving their desired minimum average return and help ensure the portfolio has the growth potential needed to keep pace with inflation over time.
One of Wayne and Karen's dreams has been to buy a second home in a warmer climate, where they can go to escape the cold winters once they retire. They estimate that the type of home they'd like to own will cost approximately $1 million.
The Reyers have gotten a good start saving for this goal. With $600,000 already set aside and eight years until they plan on making the purchase, the couple can tolerate a moderate amount of risk to reach their goal. How should they invest their money?
Assuming they add nothing else to this bucket of money, the Reyers' wealth management advisor calculates that they will need to earn a 6.6% average annual return on their vacation home fund to reach their $1 million goal—a relatively high rate of return given the Reyers' timeframe and stated risk tolerance. A goals-based strategy helps the Reyers to put their choices into perspective. They can move forward and invest their money for a higher rate of return, recognizing that they may be subjecting their portfolio to a higher level of risk; they can take money slated to meet another goal and put it toward their dream home; or they can consider looking for a less expensive vacation house.
The power of a goals-based approach lies in its ability to highlight how realistic a goal is relative to your risk preferences and the investment opportunities that are available. It also underscores the importance of separating your goals according to whether they are needs or wants.
Prioritizing your goals is crucial to investment success because it recognizes that setting aside one bucket to buy a vacation home in retirement is likely to have a very different risk profile than money you set aside to cover everyday expenses in retirement. After considering their options, the Reyers decided to move forward with their vacation home plans, accepting the fact that they are taking on a higher level of risk in the hopes of achieving a higher level of return on this particular pot of money.
Most investors would be willing to assume a higher level of risk in an effort to gain additional potential return with money set aside in a vacation home bucket vs. funds they've set aside for a child's college tuition or to cover living expenses in retirement. That's because the vacation home is a want while living expenses are a need. If the additional risk taken with the money set aside for the vacation house results in losses, you could always forgo the second home or downsize your plans; however, you might not be able to cut back on essentials, such as food, medical or other expenses, needed to maintain your standard of living if you took that same risk with your retirement bucket.
Grandma really did know best. While the money she tucked into coffee cans each month wasn't being invested per se, the simple act of allocating those funds according to needs and wants forced her and the family to recognize certain financial tradeoffs that might not have been obvious had all the money been lumped into one can.
In the same way, a goals-based investment strategy won't necessarily result in a return that's better - or worse - than the return achieved through a traditional asset allocation approach. However, linking buckets of money directly to goals may help you set priorities, remain disciplined in the face of competing demands on your money and have a much clearer picture of how well you're progressing toward meeting your goals.


text: While not everyone is ready for summer to be winding down, tourism officials are already working on promoting the fall. The Cape May County Tourism Department is already pushing their Boomerang campaign, which promotes fall events and reasons for visitors to come back again. Many of those events are listed at fallforthejerseycape.com. Cape May County Tourism Director Diane Wieland told Coastal Broadcasting that of all the tourism related spending in the county roughly 16 to 18 percent of it is made in the fall.


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November 28, 2014
March 20, 2006
The Albemarle County Board of Supervisors is still ironing out details on the 2006/2007 budget.
The group held their third budget work session Monday to go over a list of items, including public safety figures. One of their key decisions was whether to do anything this year with the property tax rate. The board however did not get to finish up, so they will hold another work session on Wednesday.
Albemarle County's proposed operating budget sits at about $259 million for 06/07.
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Oct. 20 (Bloomberg) -- Greek lawmakers debating austerity measures in Parliament today confirmed the death of one protester during protests and strikes in Athens.
"We express our condolences," Acting Speaker Anastasios Kourakis said in statements carried live on state-run Vouli TV.
A 53-year-old construction worker died of cardiac arrest after a rock hit him in the head during the protests today, Skai.gr website reported earlier, without saying how it got the information
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Cupcakes are great. They're easy to make, portable, and take the formality out of cake. It doesn't matter whether you serve them out of a plastic container or off a silver plate-- your guests will love them. (This recipe is from the cookbook "How It All Vegan.")
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Posts tagged starjack-online
Rise and Shiny recap: Starjack Online
This week I had the chance to dive into the universe of Starjack Online, a game of 4X strategy. While I have read that the X refers to explore, expand, exploit and exterminate, I say we should include a fifth X called "extreme occasional frustration for a number of reasons." OK, so maybe not......
Free for All: News roundup from some of my favorite free-to-plays
Interesting stuff is happening all of the time in the world of indie, free-to-play, and browser-based gaming. In fact, it's hard for me to keep up with it all. I have to say that some developers make it much easier on me by contacting us here at Massively or by maintaining a good news feed on...
MV Guide: September 12-18, 2011
MV Guide is a weekly rundown of the MMO gaming events planned on Massively's Livestream channel. Every week, the Massively staff logs in to play various MMOs live and in person, and we'd love for you to drop by the channel and visit. We have a combination of regular weekly games and new...
4X MMORTS Starjack Online goes live
Way back in February, we covered the open beta of Limbo Game Studios' Starjack Online. For the uninitiated, Starjack Online is an MMORTS of a variety known as 4X. RTS players will find themselves familiar with the 4X term, which stands for explore, expand, exploit, and exterminate. In a press...
Starjack Online open beta begins
Sci-fi MMORTS titles are a rare breed, and so it's with keen interest that we note the beginning of Starjack Online's open beta phase. The free-to-play title from Limbo Game Studios has been in testing since August of 2010, and has finally thrown open its doors for the public. If you're...
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Piper Jaffray elects Philip Soran to board of directors
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Philip Soran joined the board of directors of investment bank and asset management firm Piper Jaffray and has been appointed to the audit committee, effective 5 February.
Soran (pictured) most recently served as president of Dell Compellent until his retirement in March 2012.
He co-founded Compellent Technologies in 2002 where he was president, chief executive officer and director until the company was acquired by Dell in February 2011.
Prior to that, he was the co-founder, president, chief executive officer and a director for data-storage products maker Xiotech which was later acquired by Seagate.
Andrew Duff, Piper Jaffray Companies chairman and chief executive, says: "We welcome Philip's wealth of experience and proven leadership. His expertise in building and growing successful companies will serve the board well."
Soran is a current board member of SPS Commerce, Hutchinson Technology and Help/Systems.
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A member of staff brought this over today simply for helping her back up sms messages on her android phone. Took all of 20 minutes work (including the time it took to copy!) but she's clearly grateful. This happens so rarely to me I felt the people of edugeek just had to know! :)
Attachment 16586


text: Tag: Rob Scuderi Game 74 Preview: Los Angeles at Pittsburgh March 27, 2014 1:08 pm Los Angeles Kings (42-25-6) at Pittsburgh Penguins (46-21-5) Thursday, March 27, 2014, 4:00 p.m. PT Consol Energy Center, Pittsburgh, PA ... 200 comments Read More Audio: Quick hits with Rob Scuderi March 27, 2014 8:29 am Not surprisingly, Rob Scuderi was a popular figure following the Penguins morning skate. After sharing his thoughts on Anze Kopitar - "I thi ... 152 comments Read More Some welcome nostalgia in Scuderi's L.A. return January 29, 2014 4:20 pm Former Kings defenseman Rob Scuderi took the Toyota Sports Center ice with the Pittsburgh Penguins shortly after 2:00 Wednesday afternoon, a ... 327 comments Read More Player evaluation: Scuderi August 17, 2013 2:35 pm ROB SCUDERI This season: 48 games played, 1 goal, 11 assists, 12 points, 4 penalty minutes, minus-6 rating. The good: With the Pitts ... 198 comments Read More Day one of free agency drawing to a close July 5, 2013 8:50 pm The Kings weren't expected to be among the most active teams on the first day of NHL free agency as the elapsing of the first 12 hours of ... 326 comments Read More Transcript of Scuderi's TSN interview July 5, 2013 10:54 am James Duthie interviewed Rob Scuderi during TSN's coverage of NHL free agency. The transcript of their conversation follows: On choosing ... 265 comments Read More Scuderi signs with Pittsburgh July 5, 2013 10:04 am Bob McKenzie reported on TSN that Rob Scuderi has signed with the Pittsburgh Penguins for 13.5 million dollars over four years. Scuderi, ... 130 comments Read More