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Policy Note No. 22 Download Note
by Smita Wagh, Andrew Lovegrove and John Kashangaki*
July, 2011
Regional Financial Integration (RFI) in sub-Saharan Africa (SSA) has usually taken two different, though not mutually exclusive, paths. For some regional economic communities (RECs), institutional initiatives including, a common currency, an overarching regulatory authority, and supranational financial markets, are the building blocks of regionalization in financial markets. This applies to West and Central Africa where the two CFA franc zones, regional central banks (BCEAO and BEAC), and a regional stock exchange (the BRVM in the WAEMU) are the cornerstones of regionalization. For other RECs, integration is a more market driven process, following the movement of people, businesses and goods across fluid borders. South African and Kenyan banks have led this model of integration in the southern and eastern parts of SSA. Of course, this distinction serves only to highlight the more visible drivers of integration rather than suggesting that market forces are at standstill in the WAEMU and CEMAC regions, or that institutional arrangements are irrelevant in the SADC or EAC regions. WAEMU has a growing regional bond market and the recent signing of the Common Market Protocol in the EAC in 2009 is a significant institutional step forward in the regionalization process.
In the East African Community (EAC) commercial banks have generally been ahead of the curve in assessing the potential of the regional financial market. Several banks have to some degree adopted a regional business model motivated by a range of factors including client-demand, their own corporate structures, or by opportunities perceived along the regional trade corridors. These banks display a fair degree of operational integration not just within EAC markets but all the way along the trade corridors to southern Sudan and the eastern Democratic Republic of Congo (DRC).
Institutional initiatives are perhaps more significant for the development of the non-banking financial sector and capital markets in the EAC. With the exception of motor insurance, insurance products in the region generally have very low penetration rates. Weak regulatory frameworks for the insurance sector and low incomes have hindered the development of markets in all EAC countries, with penetration rates being especially low for life insurance products. Capital markets are also widely disparate in size, investor base, infrastructure, and regulatory and supervisory capacity. Highly publicized initial public offerings (IPOs) have in the recent past been enthusiastically received by the public and institutions within the EAC, even where the rules on intra-EAC cross-border investment have not been clear. Despite this, cross-listings and cross-border investments are still in their infancy, and several de facto hurdles remain for businesses wishing to raise capital on a regional basis.
Extending the EAC to include Burundi and Rwanda in 2007 has greatly added to the diversity of the membership. The three founding members of the EAC have a long history of trade and administrative cooperation (stretching back nearly a century), and as a result of their colonial history have all inherited legal systems based on English common law. Both Rwanda and Burundi are former Belgian colonies and as a result follow the civil law tradition.
This note focuses on two aspects of scaling-up trade in financial services within the EAC:
The note concludes by discussing a new capacity building initiative that the World Bank is implementing with the EAC Secretariat to support the deepening of financial integration in east Africa.
Cross-Border Financial Linkages in the EAC
Banking Sector
Kenya-based banks are leading regional integration in the EAC banking sector. About 11 multinational and Kenyan owned banks use Kenya as a hub to expand their operations into the EAC region.Regionalized Banking Operations in the EAC
There are four indigenous Kenyan banks with branches within the region. These banks include Kenya Commercial Bank (KCB), Equity Bank, Fina Bank, and Commercial Bank of Africa. These banks have a total of 63 branches outside Kenya (16 in Tanzania, 31 in Uganda and 16 in Rwanda). Ugandan and Tanzanian banks do not have a regional presence and operate exclusively in their home markets:
A survey conducted to gauge the operational integration of banks operating in the EAC revealed that 56 percent of the banks interviewed have their operations in the East African region hubbed, mostly in Kenya. Most of the banks surveyed have yet to achieve full integration of their operations in the region, but partial integration has taken place in the areas of ICT, risk management, customer service, and treasury operations. A few banks have not significantly integrated their operations with most of their operations carried out at the individual country level.
For the purposes of this report it is especially significant that two-thirds of the banks state that regionalization has facilitated the introduction of financial products and services that would not have been possible in the absence of scale. Establishment of a single licensing regime (which would remove barriers to entry posed by separate capitalization requirements for each subsidiary and enable cross-border branching) is favored by a majority of the banks as a measure which would promote integration.
The major impediments to attaining full integration cited by banks are: the lack of a common tax regime; resistance from bank supervisors (particularly in Tanzania and Uganda, who are averse to banks under their jurisdiction being managed by Kenyan parents); IT connectivity problems (caused by weak physical infrastructure); differing regulatory requirements; restrictions on the mobility of labor; and, the existence of differing capital movement polices within the EAC.
Non-Banking Financial Sector
There are indigenous Kenyan insurance companies with branches within the region. These include: APA Insurance, Insurance Company of East Africa, (ICEA), Jubilee Insurance, Phoenix of East Africa, Real Insurance, and UAP Insurance. The estimated number of Kenyan insurance company branches within the region is about 30. There are no Tanzanian or Ugandan insurance companies with a regional presence. Similarly, several Kenyan stock broking firms have subsidiaries within the EAC region. These include, Dyer and Blair Investment Bank (Uganda and Rwanda), Faida Securities (Rwanda), and Kingdom Securities (Rwanda). Each of these stockbrokers has only one branch in the regional countries they operate in.
The integration of the EAC stock exchanges is planned to take place in 2012. The first move to integrate the exchanges was to develop common automated trading and clearing platforms. This adoption is currently underway, with Uganda adopting the same automated trading system (ATS) that is used by Kenya, and Tanzania and Rwanda expected to follow suit (Burundi does not yet have a stock exchange).
Prior to implementation of a common trading platform, cross-listing of shares in the EAC is already occurring and has increased private capital flows within the region. The total market capitalization for cross listed shares in the EAC region stands at about US$2.88 billion with 99.84 percent being taken up by the Nairobi Stock Exchange (NSE) whilst 0.16 percent is shared between Dar-es-Salaam Stock Exchange (DSE) and the Uganda Stock Exchange (USE). All companies cross-listed and traded regionally are from Kenya. To date there have been no cross-listings of companies based in other EAC countries. Kenya defines a local investor as an EAC citizen and allows foreign participation of up to 75 percent. Tanzania allows foreign participation of up to 60 percent of shares in primary or secondary issues. There are no restrictions in Uganda or Rwanda.
Unlike Kenya, Tanzania does not allow foreign participation in IPOs. Rwanda and Uganda require citizens to seek approval from their central bank to buy foreign IPOs. Sale or issue of shares by foreigners is not restricted in Kenya, Uganda, and Tanzania but Rwanda requires central bank approval. There are no restrictions for foreigners to buy debt instruments in Kenya, Uganda, Rwanda and Burundi. Tanzania however restricts purchase of government bonds but allows foreign participation for corporate debt instruments.
Participation in EAC stock and bond markets is usually dominated by institutional investors, national pension funds, fund management firms and insurance companies. Information provided by Kenyan investment banks suggest that the participation of Kenyan investors in other EAC markets is about 10 percent, whereas that of Uganda investors in other EAC markets is between two and five percent, and of Tanzania a maximum of 0.5 percent. Due to the lack of restrictions on capital flows from Kenya, a greater number of its retail investors participate in EAC markets, and this contrasts to Tanzania and Uganda where mainly institutional investors participate. Indeed, in 2008 citizens from all EAC countries were able to participate in the Kenyan IPO of Safaricom with the same status as Kenyan local investors. EAC citizens were allowed to take up 40 percent allotment for local investors and pay 5 percent withholding tax on dividend income as opposed to the 10 percent that foreign investors are required to pay.
Path to Deepen Regional Financial Integration
Several factors have come together to propel the regionalization of financial markets in the EAC. The signing of the Common Market Protocol and the initiatives of the private sector banks together create a favorable climate for further integration, especially between the three original members of the EAC (issues pertaining to the integration of Rwanda and Burundi are dealt with separately in the following section). However, several factors still constrain the growth and integration of the regional market. At the same time there is reason to stay alert to the risks that come with increasing cross-border financial links. Thus, the path forward should involve taking steps that on the one hand facilitate the movement of funds between EAC members, and on the other ensure a more careful oversight of the volumes and consequences of these flows:
Harmonization of legal and regulatory frameworks: The banks surveyed cited differential tax regimes and other regulatory discrepancies as a major hindrance to further integration. Further work needs to be done to align regulatory and supervisory frameworks and reporting requirements to address this issue.
Adopting single licensing regime. Banks surveyed during in the preparation of this report cite single licensing as an important aid to further integration. If introduced for banks, single licensing should also be extended to other market participants such as brokers and insurance companies in order to significantly reduce cross-border transaction times and costs and barriers to entry.
Mutual recognition among regulators: Adopting single-licensing will have to be accompanied by mutual recognition among regulators and this will require that national regulators converge around some broadly defined international principles such as the Basle core principles for bank supervision, the International Organization of Securities Commissions (IOSCO) and others.
Building-up regionally compatible financial infrastructure. Kenya, Tanzania and Uganda have already made substantial progress in integrating their real time gross settlement systems (RTGS). Rwanda and Burundi also need to align their payments systems with the regional system. Similarly, it is necessary to ensure that other parts of national financial infrastructure, including central securities depositories (CSDs) and trading platforms for national exchanges, are compatible at the regional level.
Strengthening cross-border supervisory practices: Deepening links between financial institutions warrants a similar deepening of cooperation between supervisors. As indicated by surveyed banks instances of scrutiny by supervisors in other countries are rare. Home-host supervisory communication and consolidated supervisions are important to ensuring that weaknesses in one financial institution/market do not put the regional financial system at risk.
Strengthening data gathering. Information on current volumes of cross-border trade in financial products is generally sketchy and incomplete. This data gap is problematic, not just because policymakers are working with limited information on the issues and opportunities that lie ahead, but also since it also masks the benefits and costs of further integration by obscuring the extent of cross-border linkages. Porous borders, high volumes of unrecorded informal trade, and the widespread use of physical cash in transactions, further compound these issues. There is ample scope to build additional capacity on this front both at the national level and at the EAC Secretariat.
Integrating Burundi and Rwanda
The financial sectors in both Burundi and Rwanda are at a lower level of development than those in other EAC countries - in Burundi, the financial sector consists of seven banks, of which three are commercial banks, with four very small insurance companies; in Rwanda, the 12 banks operating also dominate the financial sector, but with a more developed insurance sector compared to Burundi. Overall, the financial sector in Rwanda is larger, offers a broader range of financial services and products, and is developing faster than Burundi's. The degree of cross-border banking sector integration with the rest of the EAC is also higher in Rwanda than in Burundi, with three EAC-headquartered banks operating in Rwanda versus one in Burundi.
The integration of Burundi and Rwanda into the EAC's financial system brings the problems posed by small scale into sharp relief. Of the two countries, the awareness of the need to achieve scale to support high quality regulation and supervision, to support capital markets development, and to build physical infrastructure such as payments and settlement systems, is clearly most advanced in Rwanda. Burundi still lacks a coherent vision of how its financial system will be integrated with the EAC and as a consequence needs to do much work to formulate a strategic vision and move forward with implementing its strategy. The alternative is to see the direction and development of the financial system largely passed to institutions in other EAC countries.
Unlike communities such as the European Union, the EAC has worked on a post-membership convergence principle, with countries joining and then seeking to harmonize their laws and regulations for the financial sector with other member states. One consequence of this approach is that parts of the financial sector may be exposed to cross-border activity and competition before the regulatory and supervisory frameworks are in place (as in the Rwanda and Burundi insurance sectors), another is that financial institutions may enter from larger markets with a degree of sophistication greater than that of the host regulator, posing a risk that supervision will be inadequate. As a result, countries – such as Burundi and Rwanda – may be called upon to build capacity on a "crash basis". These circumstances in turn may require a greater willingness to seek capacity-building solutions which may require some willingness to surrender a degree of sovereignty in order to gain the benefits of scale: as discussed above, both Burundi and Rwanda could benefit from forming joint regulatory institutions.
Going Forward
The following are key steps towards integrating Rwanda and especially Burundi into the emerging EAC financial system:
Develop an EAC Integration Strategy for the Burundi Financial Sector. Burundi needs assistance in developing a coherent strategy for integrating the financial sector with the EAC. This assistance should focus critically on assessments of: (a) the financing needs of the real sector, including manufacturing, housing, agriculture, and trans-shipment trade, (b) the capacity the financial sector as presently constituted to meet financing needs and identification of capital shortfalls and financial products needed, (c) government strategy towards inward investment in the financial sector and an associated licensing policy for foreign entrants from within the sub-region.
Support to Accelerate Burundi's Convergence with EAC Financial Sector Law. Given the work already done in Rwanda to prepare an EAC convergent laws and regulations for the financial sector, it would make sense – given the common legal heritage of the two countries – for Burundi to use these laws (on banking, payments, collective investment schemes, and capital markets functions) as models for its own reforms. Technical assistance could therefore be provided to draft new laws and regulations for Burundi using the Rwandan models.
Financing for Supervisory Development. For both Burundi and Rwanda flexible technical assistance credits could be created to deliver capacity building support on a flexible basis, using a framework contract. This would allow the regulators in both countries – over a period of three to four years – to draw technical assistance and finance equipment and software on an ad hoc basis.
Financing for Burundi's Payments System. As discussed above, the Burundi authorities see the logic of purchasing a payments system which is fully compatible with that procured by Rwanda. A substantial cost has already been absorbed by the Rwandan authorities in preparing the specifications for a new system, and financial support could be given to Burundi to "piggyback" on the Rwandan procurement. This might also enable the costs of the Rwandan procurement to be reduced by increasing the total size of the hardware, software and services contract(s) by the addition of duplicated systems for Burundi.
The EAC Financial Sector Development and Regionalization Project
Drawing extensively on this analysis and in response to strong interest expressed by the EAC, the World Bank is implementing the Financial Sector Development Regionalization Project I (FSDRP I), which comprises a three-year US$ 16 million regional technical assistance grant to the EAC to support the move towards a single market in financial services. The project development objective of FSDRP I is to establish the foundation for financial sector integration among EAC Partner States.
FSDRP I consists of six components as follows:
Component 1 – Financial Inclusion and Strengthening Market Participants will leverage the establishment of a single market and the benefits of scale associated with regionalization to make a broader range of formal financial services/products available to a more diversified client profile, including those that are currently unserved.
Component 2 – Harmonization of Financial Laws and Regulations will move towards legal and regulatory harmonization in banking and accounting, securities markets, insurance, pensions, investment funds critical to achieve an effective functioning of a single market in financial services via EAC Acts.
Component 3 – Mutual Recognition of Supervisory Agencies will support the establishment of a system in which a financial institution or market intermediary licensed by the supervisory authority in one Partner State will be allowed to operate in all Partner States upon simple notification to the supervisory authority of the host State.
Component 4 – Integration of Financial Market Infrastructure will support the establishment of an efficient market infrastructure, compatible at the regional level.
Component 5 – Development of the Regional Bond Market will support the development of the Government bond market in each Partner States, to ensure bond issuers in individual EAC Partner States having access to a deeper pool of liquidity in a single market.
Component 6 – Capacity Building will strengthen capacity at both the regional and the national level to ensure that the integrated market functions effectively and that all economic agents in the regional area aware of and able to realize the benefits from the process of integration.
FSDRP I is envisaged as part of a broader program of continued engagement with the EAC the higher-level objective of which is to support the broadening and deepening of the financial sector through the establishment of a single market in financial services among EAC Partner States, with a view to making a wide range of financial products and services available to all, at competitive prices. This higher-level objective will be achieved through two back-to-back Projects over a nine-year period. Financial Sector Development and Regionalization Project I (FSDRPI) will span 2011 to 2014, and FSDRP II will span 2014 to 2019.
Download Note
*About the Authors
Smita Wagh, Andrew Lovegrove and John Kashangaki are consultants in the Africa finance and private sector development unit. This work is funded by the Multi-Donor Trust Fund for Trade and Development supported by the governments of the United Kingdom, Finland, Sweden and Norway. The views expressed in this paper reflect solely those of the authors and not necessarily the views of the funders, the World Bank Group or its Executive Directors.


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Los Angeles vs. Chicago.Monday, November 29, 2010
I was lucky enough to land some amazing seats to see the Lakers play the Bulls last week. While I would ordinarily choose Chicago over LA, in this case I spent the night cheering for Los Angeles.
Sitting across from Jack at a Lakers game has been a dream of mine for as long as I can remember. Jack Nicholson is my favorite actor and is the one person I have always wanted to see. Also spotted: Adam Levine {LOVE him}, Denzel Washington, George Lopez, Maria Shriver, Andy Garcia, & Jensen Ackles.
My old city vs. my new city & my favorite actor. The perfect night!
8 comments
oh wow, who were you supporting? thats a tough one :)ReplyDelete
Wow that's so cool to see all those celebrities! You took great pictures too!ReplyDelete
Jack Nicholson - wow - love him!! You are one lucky lady!ReplyDelete
holy crap how the heck did you score those seats!?!?!?!?!?!?!?ReplyDelete
Fun!!! Lets go to a bulls game, they are fun! Plus I live RIGHT there, I stare at united center from my windows!!!!ReplyDelete
Wow, those were some great seats! Hope you had a wonderful Thanksgiving in LA...I'm jealous you got some warm weather :)ReplyDelete
SOOOOOOOOOOOOOOO awesome!!!!!!!! :)ReplyDelete
That is awesome!!!!! I LOVE Jensen Ackles!!! My husband always says if I had the chance I would leave him for Jensen! Ha! Too funny!ReplyDelete


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Christian O'Connell (Ivan Sergei) has met the girl of his dreams in Alison Marks (Jennifer Love
Hewitt). Unfortunately, Christian told Alison (who happens to be a rabbi's daughter) that his name was Avi Rosenberg, and that he was Jewish- neither of which are true. Desperate to keep up the illusion, he turns to his childhood best friend, Adam Lipschitz (Joel David Moore) to teach him how to "act Jewish." But Adam has problems of his own, with a fiancé (Jamie-Lynn Sigler) pushing him closer to a mental breakdown as their wedding approaches. With the best intentions, Adam and Christian attempt to help each other out.… Expand
- Director: Bryan Fogel
- Genre(s): Comedy, Romance
- More Details and Credits »
Score distribution:
Positive: 0 out of 6
Mixed: 0 out of 6
Negative: 6 out of 6
Jewtopia feels like a failed sitcom pilot that might have been created by Jackie Mason.
Even if we had never heard of Woody Allen or Adam Sandler, this schlocky effort would feel about as fresh as a week-old bagel.
On screen, where visuals reign and the simple pleasures of language are less paramount, the expanded Jewtopia is just a flat premise, uncomfortable not only because the clichés are groaners, but also because you feel sorry for everyone who's working so hard to prop up the farce.
It's a movie that thinks it stands for openness and cultural understanding, underneath the poop jokes, when in fact it manages to be offensive to almost everyone, including people who like to laugh at something because it's funny, not just because it makes us uncomfortable.
To call this winkfest toward an astoundingly retrograde sliver of Judaism offensive would be, well, offensive to the word offensive.
About an hour in, if you haven't walked over to the nearest stove and shoved your head inside, the sinking feeling sets in that you're stuck with this unpleasant asshole.
Score distribution:
Positive: 3 out of 10
Mixed: 0 out of 10
Negative: 7 out of 10
Apr 5, 2014The movies observes and tries to interpret the different levels of religion and understanding. The reason why this movie as low reviews is because people can not see the art put into this film. The intricacies and communication make this film a solid 8/10.
Being Jewish is hard and the film makes sure to communicate and show us that you cannot simply "act" as such. The movie teaches us that you shouldn't lie about religion at to be yourself when talking to people.
Dont let the deceptive nature of the name fool you. This movie will be remembered as an occult classic and remembered as the film adaption that brought this Broadway act to the big picture.… Expand
Feb 28, 2014the movie,performances,performances,performances,story is total hellstorm of negitivites i won't recommened to anyone for those who curious or those who don't. all in spells f*** you minus. this movie will never be exist in the first place. take this out to the garbage & destroy it.… Expand
Dec 17, 2013crap.......................................................................................................................................................… Expand
Oct 28, 2013Why does this movie exist??? Please, I need an answer or otherwise I will go to the police and I will say to them to go and arrest the director of this rubbish!!! Stay away!!!!!… Expand
Sep 24, 2013Awful movie, awful performances, awful script, awful development, awful story, all in Jewtopia is A W F U L. Definitely one of the WORST movies of this year.… Expand


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Daniel K. Gardner
Dwight W. Morrow Professor of History
|Send E-mail
|Office: 138 Elm Street #4
|Phone: 585-3718
Office Hours: Thursday 3:00-4:50 p.m.; and by appointment
Daniel K. Gardner, Dwight W. Morrow Professor of History, specializes in the intellectual and cultural history of pre–modern China. He received his A.B. from Princeton University and his Ph.D. from Harvard University.
His most recent books are The Four Books: The Basic Teachings of the Later Confucian Tradition (Hackett Publishing, 2007), and Zhu Xi's Reading of the Analects: Canon, Commentary, and the Confucian Tradition (Columbia University Press, 2003), an extended analysis of how -- and why -- different commentators over the centuries read the enormously influential text of the Analects differently.


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The Houston Livestock Show and Rodeo released a survey it conducted with the help of the University of Houston Hobby Center for Public Policy and Rice University Baker Institute for Public Policy regarding how the public feels about the Astrodome. Not surprisingly, a good majority of them know that ... More >>
The most well-known prank in Rice history took place on a warm spring morning in 1988. A few years after the idea first crept into their keg-addled minds, a handful of engineering students erected a pair of 24-foot A-frames around the campus's centerpiece, a one-ton statue of William Marsh Rice that ... More >>
In Texas' political constellation, Rep. Charlie Howard is our guiding red giant. Out of all the politicos in all the towns in all of Texas, Sugar Land's very own Rep. Charlie Howard has been recognized as the most conservative member of the Texas House. Ultimate Fort Bend reported the news af ... More >>
WarIsBoring.comDavid Axe, avatar.David Axe, a 32-year-old freelance journalist who's garnered recognition for his Danger Room blog in Wired, started reporting on wars seven years ago. At first, he expected to be overcome by a steady stream of patriotic and adrenaline-fueled fervor. But after ... More >>
KPFT recordings to be archived there.
Photo by Chris CurryDean BeckerWhen talking publicly about illegal drugs and butting heads with the U.S. government over its prohibitionist policies, respect is hard to come by.Over the years, though, local Houston radio host Dean Becker has earned high regard for getting top-tier guests and hav ... More >>
A couple of researchers at Rice University's Baker Institute for Public Policy have released a study that gets close to proving that speculators caused oil prices to shoot up in 2008. This theory is nothing new, but the Commodity Futures Trading Commission, the agency that regulates U.S. futu ... More >>
Allen Matusow is in the midst of a distinguished career -- he's the director of academic affairs at Rice's Baker Institute for Public Policy; he's written such tomes as Nixon's Economy: Boom, Busts, Dollars and Votes and The Unraveling of America: A History of Liberalism in the 1960s; and he's been ... More >>
Florida Governor Charlie Crist recently forgot about his 2006 campaign promise and changed his mind about offshore drilling. This week, the President made his pitch to eliminate a federal ban on the drilling. (Florida is the only state in the Gulf of Mexico protected by the ban.) So Floridians mi ... More >>
The MFAH presents "Afghanistan: A Timeless History." What's next -- "Iraqis Are People Too"?
Thank the Lord, Jesus Christ above, this is Bob Lanier's last term as mayor of Houston. Now that he's bankrupt every city service, he's leaving the whole mess to somebody else. But who?


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Hi Kids,
Wow! It is hard for me to believe fall is here. It is such a wondrous time of year when the leaves turn and the colors are so beautiful. Fall never fails to amaze me. The squirrels are very busy where I live collecting nuts in preparation for winter. I have stopped my car for several squirrels trying to cross the road. Many times I'm trying to guess which way they are going to run. Yikes!
At the library we have been busy putting up fall decorations. There are a couple of games we are playing where you can receive a treat or sticker or both. You can count the leaves with little faces and let me know what you counted and I will give you a treat. I also have a baby owl who likes to hide and if you find her you will receive a sticker.
You can join Pumpkin Patch Readers which goes through November 26th. I have the log sheets at my desk. When your parents read 12 books to you and bring in your log sheet with the books listed you will receive a treat. If you read chapter books you receive a treat for every 3 books you read.
The library will host a Costume Parade during Toddler Time on Friday, October 31st. Be sure to invite your Grandparents and other family members to join us for this fun event.
You can also join us for the Trick or Treat Main Street Celebration. Track off the beaten path and come to the library for a make it, take it craft, scavenger hunt and a treat. Fun displays will be throughout the library. We hope to see you in your costume on Friday, October 31st between 3:00-6:00 pm.
For kids ages 3-5 years old, Rhythm & Rhyme Story Time will begin on October 28th through November 18th from 10:00-10:45 a.m. The sessions will include stories, finger-plays, rhythm instruments, songs, and fun.
There are lots of things to do at the library and lots of great books to enjoy. So visit us soon and join the fun.
Mrs. Snoke


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Help me like Quinoa
just cooked up some for the first time, it tastes like bland grit. Even with some salt. Any suggestions? I keep hearing how healthy it is but ......
The only success I've had was to add lots of pesto. Subtle spicing, adding lemon zest, etc were insufficient.
Hmm.. I've made it a few times since starting a gluten-free diet and have really liked it. I enjoy the texture, but then I had to experiment with the cooking time to get it right. I make it real simple by throwing in a cinnamon stick or two in with the cooking water and then adding chopped pecans and dried cranberries to the cooked quinoa. It's simple, but to me not bland. Then again, I don't like strong flavors in the morning. I eat this for breakfast most days as a substitute for cereal or oatmeal. If you like things sweet, a touch of honey would probably be pleasing.
Not sure how I would prepare quinoa as a side with dinner or lunch. I think following a favored couscous recipe would be be a good place to start.
I am making my new year's resolution to get more whole grains into my diet. I bought some various kinds from Bob's Red Mill. While looking through their website, I found my way to the website for the chef who writes all the recipes that go on the back of their packages. Her name is Lorna Sass. I bought her newest cookbook, called "Whole Grains , Every Day, Every Way." It's a great book, because it goes into great detail about all the different whole grains, and how best to cook each one.
The other nice thing about her recipes, is that for each one, she gives advice on making substitutions of ingredients. For example, if the main ingredient in a recipe is bulghur wheat, she might say to substitute wheat berries and increase the broth by 1 cup and cooking time by 20 minutes. So, if you decide you don't like Quinoa, but like the recipe itself, you could substitute another grain.
So far, I've made three recipes from the book, and all were delicious. One of the ones I made was her Quinoa Salad with Tempeh Adobo Nuggets and Lime-Shoyu Vinaigrette. It's one of the sample recipes on her website, so you can check it out for yourself before you commit to buying the book (that's what I did, actually). She also has another Quinoa recipe on the website, for a Amaranth, Quinoa, and Corn Chowder, which looks good too.
FYI, if you decide to order the cookbook, it's also available on Amazon. The ones through her website are signed, and a bit more expensive.
What are reasons to buy it? To cut fat is my answer and to eat less AP flour increase fiber. So for a pretty basic way to make it, I first thought about using it in a salad. The same way I would use orzo or rice. Room temperature.
I just bought, some it looks like a nice grain but something on the package read that should be rinsed well or it will taste "soapy".... Another recipe on the internet claims you can grind it and make a "flour" out of it for baking. hmmm.
You need to salt the water or use broth (better) when you cook it. Another hint is to rinse it really well before cooking or else it will soap up a bit. I like to serve it with sauteed broccoli rabe and top it with shaved parmesan cheese.
This recipe for a southwest salad always gets rave reviews. I have it on my list to try but haven't yet
Toast it! It's so much better toasted, it gets such a lovely nutty flavor.
Just add it to a pan on medium heat and stir it around for about 10 minutes until it crackles, turns golden and smells toasty. Then rinse well and cook in boiling salted water (or stock).
I like to make quinoa "tabbouleh." Especially with toasted quinoa.
re: atomic
Yeah- one of our two major ways to prepare it is what we call "quinoa salad", but it really is just tabbouleh with the one substitution.
The other is really simple, but also nice, when we want it served warm. It is cooked in chicken stock, and then some toasted pine nuts and green raisins are added. The flavors work well together and it gives the quinoa just a slight bit of variation in flavor and texture.
re: atomic
Ditto on toasting. I like quinoa, but toasting it makes it so much better.
could try these:
I love quinoa.......it took me a couple of tries to get over it's look of birdseed, but i find it nutty, and it has a lot of protein compared to other grains i think.
re: im_nomad
It is the only grain that is a complete protien! In fact, legumes can't even claim that.
This means that, unilke beans or brown rice, you don't have to pair it with another food to complete the amino acid chain.
The only non-meat or fish food that is a perfect meat/fish replacer!
re: Diana
Actually, Amaranth is also a complete protein. I believe that soy and buckwheat are as well.
Also, the idea that you need to combine protein sources in one meal is no longer currently accepted. As long as the various sources are eaten within a day or two of each other, the body can still make a complete protein out of them.
re: mwk
You don't net to combine protien sources. You need to eat other foods to complete thge amino acid chain.
You're right about soy, pretty much. But there are indications that huge concentrated amounts of soy could lead to health issues. It is inconclusive, however, more studies must be done. I was thinking of grain sources, though...
Amaranth is a complete protien, I found when looking. Apparently, buckwheat is, too. Nutritional yeat also provides a complete protien, but no one eats that in enough bulk to help.
I love this quinoa salad from Deborah Madison's "The Savory Way"; it has lots of flavor, with dried apricots, pine nuts, and red pepper (recipe calls for yellow and green but I always use red). It's great to have with dinner, and then use the leftovers for lunch the next day.
re: MIKELOCK34
lol Mike
thanks everyone for the suggestions. I also thought it was a good plan to eat more wholegrains, so this was my first try with it. I used it in place of rice with some homemade meatballs and it did improve when it soaked up the sauce.
re: smartie
I'm doing much the same thing as we speak. I put it in a meatloaf with ground lamb and various spices (this time fresh mint, cinnamon, moroccan pepper, mmmm. . . can't wait for dinner). I've done this before and it's a great way to cut the meat, give the loaf a good texture, and get some whole grains.
re: oralfixation
good plan to put it in meatloaf thanks.
My favorite way to cook it is like a risotto...for either sweet or savory dishes. I use quinoa in a roasted red pepper and chicken sausage "risotto" using the same technique with chicken or veggie broth. For me, it seemed very similar, maybe even less, to that of making it with rice. Just add veggies/meat/cheese near the end. My exboyfriend adored it, even though he'd never had quinoa. Comes out really creamy.
I also would use apple cider to make a porridge style breakfast "risotto", and serve with lots of cinnamon, apple slices and walnuts.
One really simple thing to do with cooked quinoa is to mix in some chopped onions that you've sauteed very slowly in butter/olive oil, with a touch of salt. So simple, and so good.
Deborah Madison has a great quinoa soup in "Vegetarian Cooking for Everyone." It's South American-inspired and has potatoes, scallions, and feta along with the quinoa, and is really excellent.
re: JudiAU
Exactly as Judy AU says... I am very fond of this lemon scented Quinoa recipe from the Nov. 2007 Gourmet: http://www.epicurious.com/recipes/foo....
I have adapted the recipe using limes, and substituted for couscous in middle-easternish dishes as discussed here.
Good luck!
My favorite quinoa recipe that was a big seller at a gourmet cafe where I worked was:
Quinoa - cook in broth - beef is best flavor
Caramelized onions - deglaze pan with a little balsamic vinegar
Roasted green beans
Extra drizzle of olive oil when done
Fresh ground pepper
re: monalisawoman
That sounds so simple and delicious!
re: Diana
Quinoa was discussed very recently on Chow. Here is the post for it,
www.chowhound.com/topics/469041. Hope it helps.
I find that sometimes I like to have my grains (couscous, amaranth, quinoa) with a few spoonfuls of homemade marinara sauce. I sometimes use my grains in the same way I would use my pasta's. The grains love sauces and complement many meals. I also love to add some frozen peas to mine. They sweenten it up some and make for great eats.
it was a while ago, but i made a very successful quinoa dish w/ pistachios, dates, shallots (?), some nutmeg, and olive oil...there may have been one more ingredient that i'm forgetting...i served it as a side dish at dinner...i forget what the main course was but it might have been lamb...the point is that the nuts/dried-fruit/nutmeg accents the natural nuttiness and sweetness of the quinoa...
I like quinoa, and like many of the posters, I use for salad. I hit a good one the last time I made it and it went something like this:
Saute shallot, garlic, shredded carrot and ginger
Added raw red pepper
Fresh pineapple that I marinated in fresh lime juice with rind, honey, ginger and Absolute Vanilla for a few hours
When I do grain salads, I really like the combination of warm and cold ingredients, and the walnut pieces added a nice texture as well. I made a dressing to go with it, but it would have overwhelmed the flavors so I ended up leaving it off. Anyway, maybe this will give you some ideas for your quinoa!
There's a great recipe for Quinoa and wild rice salad with citrus vinagrette in "Southwest Vegetarian" by Stephen Pyles (not completely sure about the author's name).
The first time I ever had quinoa, somebody made this jambalaya and it's still my go-to recipe. He served it with a cool cucumber or dill yogurt sauce to cut the heat though I've never done that. This is delicious and a good way to start out with quinoa:
1. Definitely toast it (then rinse)
2. Always cook it in broth, never water
I make a lot of quinoa, but agree it needs to be spiced up or it'll be very very bland. I like to put it in soups since it adds protein, thickens it up and absorbs the soup-y flavor.
Quinoa Cake with asparagus and bacon bits (go heavy on the cheese in the cake): http://www.bitchincamero.com/mel/2008...
Red Lentils & Quinoa: http://www.bitchincamero.com/mel/2008...
Quinoa-stuffed peppers: http://www.bitchincamero.com/mel/2007...


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Every now and then there is someone that challenges us to be bigger than ourselves. To take today as a divine appointment with the eternal ....to be the loving arms of Christ to others right in our own home, work, church and community. Not to put off to tomorrow, but live out a daily walk that glorifies God. Jean inspires by lyric, music and example. Praise God!
- Deb Moore, author, speaker, radio host
"for with God nothing shall be impossible" - Luke 1:37


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The sublimely voiced Tracyanne Campbell sings gorgeous tunes about deep-seated melancholy, heartbreak, disappointment, lies, icy veins, and cold, cold hearts. The subjects she writes about are deeply personal, her feelings often intense, and her experiences traumatic. Yet she envelops her woes in richly alluring melodies that her band, Glasgow's Camera Obscura, play with a refined touch, resulting in lovely, transcendental pop. CO's new My Maudlin Career (4AD) was again produced in Sweden by Jari Haapalainen, whose lush, layered approach, often employing judicious horns and strings, suggests a more subtle Phil Spector or Pet Sounds-era Beach Boys. Meanwhile, with her shadowy edges and echo-filled tone, Campbell sometimes is reminiscent of Neko Case with the siren turned down several notches, especially on the twangy "Forests and Sands." And despite, or maybe because of, her prevailing sadness and troubles, Campbell is an incurable romantic at heart, who actually rhymes moon and June in one tune ("James") whose protagonist, of course, broke up with her.
Sat., May 30, 8 p.m., 2009


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American Health, Ester- C Effervescent, Natural Orange Flavor, 1000 mg, 21 Packets, 0.35 oz (10 g) Each
- Shipping Weight: 0.71 lbs (0.32kg)
- Product Code: AMH-36748
- UPC Code: 076630367486
- Package Quantity: 21 Packets, 0.35 oz (10 g) Each
- Dimensions: 3 x 5.4 x 3.9 in, 0.6 lbs (0.27kg)
- Expiration Date: Oct 2015
Madre Labs, Simply Acai Organic Powder, 8 oz (227 g)
Priced together: $37.65 Priced separately: $39.65
Product Overview
- Take Once A Day!
- Plus Electrolytes
- Patented Vitamin C Formula
- Advanced Active Immune System Support
- B Vitamins to Promote Energy Metabolism
- 100% Vegetarian
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The Ester-C Difference:
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- Once Daily
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Ester-C Effervescent Vitamin C Packets offer powerful nutrition in a delicious, natural orange flavored formula. Just take one packet daily with 4-6 fl. oz. of water and you are good to go!
Patented Ester-C increases levels of Vitamin C in the body-getting into white blood cells, an important part of your immune system. And, because Ester-C absorbs into your system and stays there... you get advanced active immune system support and potent antioxidant activity in a once daily 1,000 mg dose.
Taken once a day, Ester-C has your immune health covered. It supports circulation, is beneficial to joints and connective tissues, helps reduce the premature aging of cells, and forms the basis for healthy hair, skin and nails. Helping to neutralize free radicals, Ester-C also aids in the nutritional absorption of iron and works with other nutrients to promote overall health. Along with essential vitamins, such as B-6 and B-12 to promote energy metabolism and vital electrolytes to aid in metabolic hydration, Ester-C Effervescent Formula has got you covered. Now more than ever, trust your immune health to Ester-C.
Suggested Use
For adults, pour packet into 4-6 fl oz of water once daily. Stir or shake.
Other Ingredients
Fructose, maltodextrin, malic acid, citric acid, natural orange flavor, silica, microcrystalline cellulose.
No gluten, no yeast, no wheat, no milk or milk derivatives, no lactose, no soy, no egg, no starch, no preservatives, no artificial flavor. Beta-carotene added for color.
If you are pregnant, nursing or taking any medications, consult your doctor before use. Discontinue use and consult your doctor if any adverse reactions occur. Not intended for use by persons under the age of 18. Keep out of reach of children. Store at room temperature. Do not use if packet is torn or open.
|Supplement Facts
|Serving Size: 1 Packet (10 g)
|Servings Per Container: 21
|Amount Per Serving
|%Daily Value
|Total Carbohydrate
|6 g
|5 g
|Vitamin A (as Beta-Carotene)
|Vitamin C (as Ester-C Calcium Ascorbate)
|1,026 mg (1 g)
|Thiamin (Vitamin B-1) (as Thiamin Hydrochloride)
|0.38 mg
|Riboflavin (Vitamin B-2)
|0.43 mg
|Niacin (as Niacinamide)
|5 mg
|Vitamin B-6 (as Pyridoxine Hydrochloride)
|10 mg
|Folic Acid
|12.5 mcg
|Vitamin B-12 (as Cyanocobalamin)
|25 mcg
|Pantothenic Acid (as d-Calcium Pantothenate)
|2.5 mg
|Calcium (as Ester-C Calcium Ascorbate, Calcium Carbonate, Monocalcium Phosphate and Dicalcium Phosphate)
|150 mg
(as Potassium Phosphate and Sodium Phosphate)
|150 mg
(as Magnesium Hydroxide and Magnesium Carbonate)
|60 mg
|Zinc (as Zinc Ascorbate)
|2 mg
|Manganese (as Manganese Gluconate)
|0.5 mg
|Chromium (as Chromium Ascorbate)
|5 mcg
|Chloride (as Sodium Chloride)
|93 mg
(as Sodium Phosphate, Sodium Chloride and Sodium Bicarbonate)
|100 mg
(as Potassium Phosphate and Potassium Bicarbonate)
|280 mg
|Antioxidant Health Proprietary Blend
Stevia Extract (Stevia rebaudiana) (leaf), Quercetin (Dimorphandra mollis) (fruit), Alpha Lipoic Acid, Glycine, L-Aspartic Acid, N-Acetyl Cysteine
|58 mg
|**Percent Daily Values are based on a 2,000 calorie diet.
***Daily Value not established.


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Daily Dose Of Jazz…
Garrison Fewell was born on October 14, 1953 in Charlottesville, Virginia but was raised in Philadelphia, Pennsylvania. He started playing the stride guitar when he was 11 years old and becoming interested in acoustic blues, he turned to the music of Reverend Gary Davis, Fred McDowell, and Mississippi John Hurt. During the early '70s, Fewell embarked on a tour that took him to Pakistan, Iran, Turkey, and Afghanistan. Three years later he returned to the States, became a jazz student of Pat Martino and Lenny Breau, earned a degree from Berklee College of Music and by 1977 was teaching at his alma mater.
As part of a new exchange program set up between Berklee and Holland's Rotterdam Conservatory in 1988, Garrison also taught in Rotterdam, worked with Dutch musicians and performed at the North Sea Jazz Festival. The guitarist settled in Paris the following year, playing jazz and teaching at the American School of Modern Music and played the Umbria Jazz Festival. For the next several years he taught and performed around Europe gaining more and more popularity.
In 1993 his relative obscurity at home changed with the recording of his album A Blue Deeper Than the Blue, bringing him to the attention of jazz lovers. It also bestowed upon him a number of honors with inclusion into the Coda Magazine and United Press International lists of the year's ten best and the Boston Music Awards named the debut Best Jazz Album of the Year. Guitarist Garrison Fewell continues to perform, record, teach and tour.
More Posts: guitar
Daily Dose Of Jazz…
Vic Juris was born Victor E. Jurusz, Jr. on September 26, 1953 in New Jersey and started to play guitar around age 10, inspired by rock and roll legend Chuck Berry. He was self taught and played in many local rock and R&B bands around New Jersey as soon as he could.
Not long after he started playing professionally did he discover jazz and classical music and from then on it was a love affair with jazz. With an impeccable fluid approach to harmony and accompaniment, great writing style, a nice "blend" within the band, phenomenal chops, unique phrasing, advanced rhythmic ideas and concepts for improvisation Juris easily gained the respect of jazz musicians on the circuit and was not at a loss for work.
In the early 70s Vic played with Lyn Christie, made his first recordings with Eric Kloss, then joined Barry Miles working with him well into the Eighties. He recorded with Richie Cole, released his first album as a leader in the late 70s, and played with Don Patterson, Wild Bill Davis, Jimmy Smith, and Mel Torme.
He put together his own quartet in 1981, recorded for Muse and Steeplechase record labels, then became increasingly in demand as a sideman working with Bireli Lagrene, Larry Coryell, Dave Liebman, Jeanie Bryson, Gary Peacock, Judi Silvano, Lee Konitz and the list goes on.
As an educator Juris has held teaching positions at The New School for Jazz and Contemporary Music, Mason Gross School of the Arts, William Patterson and Lehigh Universities. Also a composer, his "Horizon Drive" was sampled in 1994 by Gang Starr on their Mass Appeal song. Guitarist Vic Juris continues to perform and record.
More Posts: guitar,history,instrumental,jazz,music
Daily Dose Of Jazz…
Charlie Lee Byrd was born on September 16, 1925 in Suffolk, Virginia but grew up in Chuckatuck, Virginia and his father taught him to play the acoustic steel guitar at age 10. He went on to Virginia Polytechnic Institute, served in the Army and played in the Special Services band in Paris. Returning to New York he studied composition at Hamett National Music School, taking up classical guitar.
Charlie moved to Washington, D.C. in 1950 and studied classical guitar with Sophocles Papas, then with Andre Segovia. By 1957 he teamed up with bassist Keter Betts and started gigging around D.C. for two years, joined Woody Herman for a State Department goodwill tour.
Byrd was first introduced to Brazilian music by his friend radio host Felix Grant who was well known in Brazil in 1960. A subsequent tour of Brazil and he returned home with recordings from Joao Gilberto and Antonio Carlos Jobim. He met with Stan Getz who convinced Creed Taylor, then at Verve Records to produce the album, recording "Jazz Samba" in 1962 in a building adjacent to All Souls Unitarian Church because of the excellent acoustics found there. And his love affair with Brazilian music began.
Over the course of his career he has toured the world, performed at numerous festivals, played with such jazz legends as Les McCann, Zoot Sims, Vince Guaraldi, his brother bassist Joe Byrd, Chuck Redd, Herb Ellis, Barney Kessel and the list goes on.
Charlie Byrd died of lung cancer on December 2, 1999 at his home in Annapolis, Maryland. He was deemed a Maryland Art Treasure in 1997 and knighted by the government of Brazil as the Knight of the Rio Branco.
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Daily Dose Of Jazz…
Rodney Jones was born on August 30, 1956. Mastering his instrument during his youth he performed with Jaki Byard and recorded with Chico Hamilton. An underrated cool-toned guitarist best in straight-ahead settings, by the time he was in his early twenties he was working with Dizzy Gillespie.
After moving on from Gillespie, he began working with Lena Horne as her accompanist. Jones put on the leader hat in 1977 with his debut on the the Strata East label, "The Liberation of the Contemporary Jazz Guitar ". This was followed up with his "Articulation" on the Timeless label and then another four sessions took place through 2001 for Muse, R7R and Minor Music labels.
Rodney has been cited as a jazz guitarist who uses modern quartal harmony. He also believes his journey is also one of spiritual awakening that is not separated by theology or music. He investigates the relationship between the art and science of jazz and helps musicians discover their own doorways to development and evolution of their music. He continues to perform, study and tour.
More Posts: guitar
Daily Dose Of Jazz…
Born August 26, 1943, Dorival Tostes Caymmi, the son of famous Brazilian musicians Dorival Caymmi and Stella Maris. He began playing piano at age eight, studied music theory at the Conservatorio Lorenzo Fernandez and in 1959 made his professional debut accompanying his sister, Nana.
In 1960 Dori became a member of Groupo dos Sete, writing music for plays aired on Brazilian television. He co-directed and played viola in the play Opinião, an important transitional work between the styles of bossa nova and MPB and directed the play Arena Conta Zumbi. For a time he produced Edu Lobo, Eumir Deodato and Nara Leao, co-wrote the prize winning song "Saveiros" with Nelson Matta, a collaboration that lasted many years and produced some of Brazil's biggest hits.
Caymmi played and toured with Paul Winter, arranged and directed albums by Caetano Veloso, Gal Costa and Gilberto Gil, and was involved with the tropicalia movement of the late 1960s, but did not record in this style himself due to his distaste for Euro-American pop music. He wrote scores for numerous films and television shows in the 1970s and 1980s, moved to Los Angeles, California in 1989 and has since played or recorded with Dionne Warwick, Toots Thielemans, Marilyn Scott, Oscar Castro-Neves, Eliane Elias, Richard Silveira and Edu Lobo; was a collaborator celebrating Tom Jobim at Carnegie Hall and arranged the music for Spike Lee's film, Clockers.
Dori Caymmi has been nominated for Latin Grammys several times and is a two-time Grammy Award winner for Best Latin Song and Best Latin Samba Recording. The Brazilian singer, guitarist, songwriter, arranger, and producer has an extensive discography dating back to 1964 and he continues to perform and record.
More Posts: arranger,composer,guitar,songwriter,vocal


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HoopsHype Kawhi Leonard rumors
The 23-year-old starter at small forward likely will miss the remainder of the pre-season schedule and the regular season opener against the Dallas Mavericks would appear to be up in the air, according to a timetable for his recovery set forth by Coach Gregg Popovich. "Kawhi Leonard is still out, for 10 more days," Popovich said before tipoff of Saturday's game. "(The infection) is going back and forth between the two (eyes). It's crazy." San Antonio Express-News
League sources say that the following players are all in the midst of active extension negotiations with their respective teams as the end of the window -- and restricted free agency for those who aren't extended -- draws ever closer: San Antonio's Kawhi Leonard, Golden State's Klay Thompson, Minnesota's Ricky Rubio, Charlotte's Kemba Walker, Chicago's Jimmy Butler, Cleveland's Tristan Thompson, Oklahoma City's Reggie Jackson, Milwaukee's Brandon Knight and Orlando teammates Nikola Vucevic and Tobias Harris. ESPN.com
Kawhi Leonard (right eye infection), Patty Mills (torn right rotator cuff) and Tiago Splitter (strained right soleus) will not play in Thursday night's game in Phoenix. NBA.com
Royce Young: Spurs announce Kawhi, Splitter, Duncan, Manu, and now, Pop, join Patty Mills is not traveling to Phoenix for Thursday's preseason game. Twitter @EyeOnBasketball
Jeff McDonald: Three Spurs not going to Phoenix are injured or ill: Mills, Splitter and Leonard. Duncan/Manu are older and logged big minutes in Europe. Twitter @JMcDonald_SAEN
There are some intriguing players who will sign extensions or become free agents next summer, such as Cleveland's Tristan Thompson, Charlotte's Kemba Walker, San Antonio's Kawhi Leonard, Orlando's Nikola Vucevic and Tobias Harris, Faried, Oklahoma City's Reggie Jackson, Miami's Norris Cole, and Chicago's Jimmy Butler. The Celtics don't have to worry about such four-year contract issues. That was the year they acquired JaJuan Johnson on draft night for MarShon Brooks. Johnson never stuck in the NBA and is now playing for Besiktas in the Turkish League. Brooks, meanwhile, has signed with Emporio Armani Milano of the Italian League. Boston Globe
Dan McCarney: Kawhi on Pop's challenge for more consistency: I've been trying to do that since I got here. If I get 7 more minutes...that's a big diff. Twitter @danmccarneysaen
Yannis Koutroupis: Popovich: defensively and offensively I want to see Kawhi bring it every night. Mentioned how difficult it is to be a great player nightly. Twitter @YannisNBA
Add another name to the Spurs' workout list. Former Memphis Grizzlies guard Jamaal Franklin has been in San Antonio the last few days working out for the Spurs, a league source told the Express-News. Franklin, a 2013 second round pick, was waived by the Grizzlies last month. He averaged 1.9 points and 1.1 rebounds in 21 games last season. The interesting thing about Franklin is that he's close to Spurs forward Kawhi Leonard. Both players attended San Diego State and Franklin was a guest at Leonard's basketball clinic last month in Moreno Valley, California. San Antonio Express-News
"You still don't know exactly what type of player Kawhi Leonard is, to be honest. You can't put limitations on guys. This is a guy who played inside in college, and now he is in a transition to the wing. He's still in the process to get better and better". Spanish Hoops
Which player would make the best stand-up comedian? Matt Bonner: I think it would be really funny to see Kawhi Leonard do stand-up comedy. Just because he's probably the last person anybody would expect to get up on the mic. It'd be really funny a) to see what he'd come up with, and b) to see how uncomfortable he might be up there. I'd pay to see that. SportsNet
Baxter Holmes: Kawhi on guarding LBJ in the Finals: "You know when you don't want to run that extra lap? (It was) harder than that. But it was worth it." Twitter @BaxterHolmes
It sat in the living room of the San Diego condominium he rents during the offseason while the Spurs staffer who chaperones the trophy around the world lounged at a UTC hotel pool … while Leonard was at his three-a-day workouts. "I didn't have any time to do anything with it," Leonard explained. "My workout schedule is crazy." UTSanDiego
Kawhi Leonard beats Michael Jordan in shooting contest (VIDEO) NBCSports.com
Just yesterday we checked in with Michael Jordan at his eponymous basketball camp, where we saw that he still has a sweet shooting stroke. Well, today video has emerged of MJ at that same camp, teaming up with a camper and playing a two-on-two game of hot shot against another camper and his partner, gulp, NBA Finals MVP Kawhi Leonard. It really gets going around the four-minute mark… NBA.com
Fernando Martin: James Worthy: "Kawhi Leonard reminds me of myself". #BigGameJames #SugarKLeonard @GIGANTESbasket Twitter @fmartinBasket
The National Basketball Association warned a touring group of its stars that they could face financial fines for participating in clinics in Manila, Philippines, that include short scrimmages and games of "H-O-R-S-E," league sources told Yahoo Sports. Several NBA stars, including Blake Griffin, James Harden, Kawhi Leonard and Damian Lillard, were scheduled to participate in promotional appearances in Manila this week, and the NBA has told its Players Association that the event organizers failed to gain league approval, sources said. Yahoo! Sports
Any rumor missing? E-mail us at firstname.lastname@example.com.


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Best Friends
May 9th, 2011
It's weird the relationships girls have with each other, they hang out, party, get drunk and go wild with their closest friends, just like guys, except sometimes it goes a LOT further than males would ever feel comfortable with. Thk u god!
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I am not bi- or tri- or any of those,lol, just straight. But, If I see a sexy woman, I will say they are hott!! But, ladies, take my advice, I am not one of those women who tell you that you look good, and the entire time, know you look like a fool. And t
Reddit Abum Voomed Funny Sh#t Macho Video One Humor PunchBaby PrettyWasted LiveDump Pugorama BoredTown Killer Kool Games Sexy of Video Cool Dump Shiny New Want Celebrity Buzzer Celeb Buzzer NYUUZ Funny Links Heavenly Babes Prankies Who Needs TV Melted Brain Hot Videos


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Kate Widland Gallego's campaign manager, Lisa Fernandez, tells New Times that the political-attack fliers circulating in the district are "despicable." The bright yellow fliers blast Widland Gallego, a candidate for the Phoenix City Council District 8 seat, for taking a $100 campaign contribution f ... More >>
Black progressive community leaders in Phoenix are speaking out against a recent editorial written by Cloves Campbell Jr. in which he referred to one of the City Council District 8 candidates as a "house negro." Campbell published the opinion piece in his newspaper, the Arizona Informant, on May 22 ... More >>
Cloves Campbell, publisher of the Arizona Informant, shocked a good deal of people when he labeled Pastor Warren Stewart's opponent, Lawrence Robinson, a "house Negro" in a May 22 editorial. On the Informant's Facebook page, the editorial is labeled as "provocative." Most seem to call it offensiv ... More >>
It's getting downright dirty in the race for a District 8 seat on the Phoenix City Council. In the latest round of mud-slinging, one of the candidates is accused of going to Scottsdale for dinner, stopping at random Starbucks for caffeinated beverages, and even going to happy hour with "new friends ... More >>
Folks at Tempe City Hall weren't the only ones to meet with representatives of the apparently fake company believed to be set up by the FBI in its bust of state Representative/former Tempe Councilman Ben Arredondo.According to lobbyist filings with the Secretary of State's office, Mike Williams met ... More >>
By Ray Stern African-Americans partying at a downtown Phoenix bar were positively gleeful after Tuesday's history-making election of the country's first black president. Local black leaders and their supporters had gathered at Stoudemire's at Second and Washington streets to watch election results ... More >>
By Ray Stern Gerald Richard, Democratic candidate for Maricopa County Attorney (pictured), today released a list of people endorsing him that included Paul Charlton, former U.S. Attorney in Arizona. Charlton was famously fired by the Bush Administration in 2006 along with several other top fede ... More >>
Since the Great Depression, Izora Hill has helped the mentally ill, raised five children, worked as a cook, a teacher, a laundress and a janitor, invested in real estate, run for office, advised political leaders and spied on them. She achieved success as
Carver High alumni preserve the Valley's African-American history


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Movies are alive in the Age of McConaughey
In 1993, the famous book by Don Campbell, The Mozart Effect, convinced millions that listening to Mozart can have a substantial effect on cognition. Now, the debate over whether or not music improves intelligence is filled with psychologists, neurologists, teachers, and musicians with so many ... More >>
Click here for the review of Wes Anderson's Moonrise Kingdom, which has Karina Longworth of our big sistah paper LA Weekly astutely pointing out the similarities with the 43-year-old auteur's The Life Aquatic With Steve Zissou. But I was struck at the Orange County Film Society sneak-peak scree ... More >>
Irvine Fine Arts Center


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ANR move explainedMarch 27,2013News stories last week have resulted in a significant misunderstanding about the move to the National Life campus by the Agency of Natural Resources. One daily paper even editorialized with words and phrases like extravagant and costs run amok. Based on numerous conversations and written communications with Vermonters, I know the impression they received was that there was a fourfold cost overrun, that the rehabbed space is luxurious, and that legislators were surprised when they only recently learned of the actual projected cost. None of those impressions is accurate.
This project is a terrific deal for taxpayers. Of the projected $8.6 million cost, National Life is paying for $3.5 million. The cost per square foot is less than $50, including parking, for the renovation. By comparison, I am told a reasonable per-square-footage cost, with parking, for new construction is about $400 per square foot. We are adding over 400 work stations. That would mean, if we were building new, the cost would have been over $30 million, as opposed to the $8.6 million. In addition, before proceeding we verified that moving ANR to National Life would be far less expensive than renovating space for them at the Waterbury State Office Complex.
Last July, the administration publicly presented the first estimate of $7.5 million to legislators for the cost to rehabilitate space at National Life for approximately 1,000 employees, thereby allowing the 400 or so employees of ANR to join the Transportation and Commerce agencies at that location. The estimate was increased to $8.6 million in October and, again, shared with legislative committees. The earliest internal estimates I can find showed a range between $6.8 million and $10 million. And even if, as we have heard, the House Institutions Committee heard an informal $2 million guesstimate prior to any project scoping, that certainly would not constitute an estimate to base cost overruns on.
Extravagant digs? No way. Modern, functional, and efficient? Absolutely. The average space per employee is decreasing by more than 50 square feet. Even the agency secretaries and commissioners will no longer have private offices. Some have wondered why all floors of the building had to be renovated. Simple: In order to end up with 400 more work stations at National Life, we needed to house more employees on every floor.
Consolidating the agencies of Natural Resources, Transportation, and Commerce in one building will pay dividends for decades by fostering cooperation and collaboration, resulting in the kind of increased productivity so evident in the aftermath of Tropical Storm Irene. In addition, this project allows hundreds of state employees to return to work in central Vermont. Without the move, the ANR departments would be scattered around Vermont, from Graniteville to Fayston to Winooski, in leased space for at least another two years.
The ANR move to National Life is a good news story that should not go unheralded.
Jeb Spaulding is Vermont secretary of administration.MORE IN CommentaryEarlier this week, the Environmental Protection Agency announced proposed regulations to curb... Full StoryAs consumers flock to the malls in a rush for bargains on the day after Thanksgiving, they will... Full StoryOver the past two weeks, President Barack Obama and Republicans in Congress have taken their... Full Story
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Tyson "Ty" Mayers was born and raised in Baltimore, Maryland. While following his career as a PGA Professional, Ty relocated to Rehoboth Beach in 1994 to assume the role as Head Golf Professional at Kings Creek CC. In his over 25 year career in the Golf Industry, Ty has developed the art of listening carefully, paying attention to every detail, and exercising exemplary customer service skills; all of which he utilizes daily with all of his real estate clients. Ty started his real estate career in 2007 as a loan officer for a local mortgage company. While working with the mortgage company Ty effectively used an array of loan programs to finance the needs of clients such as first time homebuyers, second/vacation home buyers, and real estate investors. Today he has found that experience to be an invaluable learning tool for his career. Ty joined RE/MAX Realty Group in 2008 and made the transition to full time real estate sales in 2009. Building relationships and making Sussex County home for nearly 20 years, along with his background in the service industry and finance, makes him a single point of contact for all of your home buying or selling needs. When Ty is not working with Buyers in finding their next dream home or Sellers aligning to move on to the next stage you will find him working his hobby of golf at American Classic Golf Club in Lewes, Delaware.


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Keeping the garden tidy requires a few deft moves with the right tools, and, time and again over the seasons, shrub rakes are... Read more »
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Gardening Tools, Growing, Kendra McCracken, Planning, Planting, Pruning, Spring, Summer, Weeding, Yard Care,
Six ways for gardeners can survive winter with style.
Power through branches with ease.
To get us focused on the beauty of simplicity in gardening, I'm going to use a garden variety phrase. I'm going to take it a bit out of context while aiming to relieve some of the stress-for-success many of us, from seasoned to beginner, can experience as we journey through life as a gardener. The phrase? An ounce of prevention is worth a pound of cure.
While it's good to be informed about, and continually learning about, a subject, I have a tendency to approach everything new to me with the idea that I have to be fully educated on every potential stumbling block I may find in my path. If I don't keep it in check, it can not only sap all the joy from an activity, it can also prevent me from ever even getting started. Approaching gardening with the mindset of first being fully educated is a recipe for disaster. If you read 2 gardening books or 2 online articles about growing tomatoes, you'll understand what I mean. There are as many opinions on the "right" way to achieve success, whether it be to grow the biggest tomato or the biggest crop of tomatoes, as there are grains of sand in the Sahara Desert. Do I prune the plant to one main stem or let it flourish naturally? Will side dressing with Epsom salt help prevent blossom end rot or will it kill the beneficial soil fungi? Should I let the plants sprawl along the ground or should I stake them up?
To this wealth of opinions, add a stroll through the garden section of a home improvement store where the shelves are packed with amendments competing for your dollar. You can quickly become like a mother who sends her child down the sidewalk to school wearing a helmet, mouth guard, and knee and elbow pads because he might trip and fall along the way.
An ounce of prevention is worth a pound of cure. Remember it's an ounce of prevention, not a pound of prevention. The best way I know to avoid the stressful trap of over-mothering plants is to have an understanding of their basic needs and where to find solutions if (I stress the if) I run into a problem.
Most of the needs of plants can be broken down into 3 areas: food, water, and protection. While we can further nurture our plants with more specialized care in each of these areas and achieve extraordinary results, attention to the basics in these 3 areas will, in most cases, give us perfectly satisfactory results as we learn ways to improve our gardening skills.
Food: Understanding the nutritional needs of plants in general is helpful in wading through all the magic potions available for them. The 3 main nutrients (also called primary macronutrients) are nitrogen (for growth of sturdy stems and healthy foliage), phosphorus (for strong root growth and seed and flower production), and potassium (for fruit development and resistance to disease.) Those 3 numbers you see on fertilizer packages (5-10-5, for example) represent the percent, by weight, of nitrogen, phosphorus, and potassium, respectively, in that supplement. There is an abundance of information, available both in books and on the internet, to help determine these needs for specific plants. Knowing these needs will help you in choosing basic fertilizers for your plants. Be sure to check out the organic fertilizers! Compare their ingredients to those of the synthetic fertilizers and decide which you think sound more like they belong in soil.
Supporting the nutritional needs of plants is made even easier if you start with good, healthy soil teeming with organic material and, thus, providing much of these needed nutrients naturally. You can read more about creating a healthier soil in my article Amending Garden Soil.
Water: Just like a human, a plant can get by, albeit in possibly less-than-perfect health, if not properly nourished. But it cannot survive long without water. It also cannot survive with too much water. While information can be easily found regarding the amount of water, in inches, a plant needs each week, you can keep plants properly watered by knowing whether the soil needs to be kept continually moist, if it should dry out between waterings, or if it requires more or less water during certain growth periods. Determining whether it's time to water is as easy as sticking your finger down in the soil near the plant and determining if it's waterlogged, just right, or too dry.
Protection: Some plants are susceptible to damage from frost, some to damage by the sun, some to damage from disease settled in the soil and spread to plants by overhead watering. We keep a variety of inexpensive materials on hand to protect our plants from potential damage from these elements.
In late winter, I begin saving gallon milk jugs (with the caps) for use in protecting tender plants from late spring frost, heavy spring rains, and hail. Cutting the bottom out of the jugs and, when frost or heavy rain is expected, placing them over the plant protects them from damage. The cap should be kept off if the weather is warm as the milk jug acts as a mini-greenhouse.
Mulching plants not only helps maintain moisture and even temperature in the soil, it also prevents rain or water from a hose from splashing diseases in the soil onto plant foliage. Our mulch of choice is straw, which we spread out in a pile to weather before spreading under our vegetable plants since white straw can reflect light onto plants and burn them.
Last, but not least, in the area of protection is frequent examination. Daily checks for undesirable changes in plant foliage or insects beginning to visit them is crucial to heading off excessive or fatal damage.
If you're growing a wide variety of plants, this may still seem like a lot of information to keep track of. I keep the basic information for the plants I'm growing on a simple chart in a plastic sleeve with my garden tools. Included on it is planting instructions, common fertilizing recommendations, the occasional human-induced problems I know I'm likely to forget about (did you know over fertilizing carrots can cause them to be hairy?) and each plant's water needs. On my computer I have a folder of bookmarked websites that provide information I've found useful for doctoring my plants should the need arise.
Before you spend a lot of time and money following all those suggestions that may or may not improve the health of your plants or the quality of your harvest, first spend some time learning what each plant's needs are and determine if the ingredients of the suggestion actually support those needs. As you experience problems in your garden, treatment for them can be added to your regiment. In the meantime, you can spend your extra time and money adding more plants to your garden!
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Upper Seneca Baptist Church
Friday, November 28, 2014
Our Mission: To Re-Present Jesus Christ In Our Community And Beyond
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World | Other World Stories
Gunman kills 4, including himself, in attack on Belgian city
A gunman killed four people, including himself, in an attack in the Belgian city of Liege on Tuesday, Belgian media reported
- Image Credit: AFP
- General view shows medical team with ambulances and police on the Saint-Lambert square in Liege after a man threw multiple grenades on December 13, 2011. Two people were killed and around a dozen injured when attackers opened fire opened fire on December 13 on a busy central square in the eastern Belgian city of Liege, media said. The attack took place around noon on Saint-Lambert square, home to the town's courthouse and located near a busy Christmas market, Belga news agency said.
Liege: A gunman killed four people, including himself, in an attack in the Belgian city of Liege on Tuesday, Belgian media reported.
The man, named by Belgian press agency Belga as 32-year-old Nordine Amrani, opened fire and threw explosives on a city centre square which was hosting a Christmas market.
Earlier, Belgian media reported 64 people had been injured, and two killed, in a hand grenade and gunfire attack in the eastern city of Liege.
The attack took place at midday Tuesday near a courthouse in a busy central square.
The scene in the city center is chaotic, and news reports have variously put the number of attackers at between one and three men. It is widely reported that one attacker has died.
Several men
Earlier it was reported several men armed with hand grenades and guns attacked a busy bus stop in eastern Belgium on Tuesday, killing at least two people and wounding about a dozen, officials and media reports said.
The attack left blood splattered across the cobblestones of the central area of Liege city, which was crowded with people doing Christmas shopping in nearby markets.
Footage from the scene showed people, including a large group of children, fleeing down the streets of the city center - some still carrying shopping bags.
Ambulances and police vehicles descended on the area. Officials and the media reports had no information about the identity of the two or three assailants or what could have motivated their attack.
But the Belgian public broadcaster VRT reported they remained at large and police were telling residents to stay in their homes or seek shelter in shops or public buildings.
Another broadcaster, Radio Television Belge Francophone, said all buses had been asked to leave the city centre and all shops in the area were closed, some with many customers stranded inside.
News reports said police helicopters are flying over the city and a medical post has been set up in the courtyard of the palace of the Prince Bishops court house located on the site. About a dozen people were reported to have been wounded.
VRT Radio spoke with Herve Taveirne from the courthouse into which he had fled to escape the gunfire. "We were in the courthouse building and were just leaving when we saw someone toss a grenade," Taveirne said.
'Our lives were in danger'
"I grabbed a little boy ... and took him back into the courthouse. Outside the building I heard shooting ... Our lives were in danger. This man was shooting in any direction. We ran for our lives at that point."
The television channel La Une said a man with a Kalashnikov automatic weapon had opened fire on a bus. The situation was chaotic, and reports were conflicting as to the number of assailants.
Many news organizations reported that one of the dead was an attacker. In Brussels, Interior Ministry official Peter Mertens confirmed the attack and said at least one or two assailants were involved and at least one person was killed and several were wounded.
Emergency medical teams were called in from as far away as the Netherlands, Mertens said. Phone calls to Liege authorities were not immediately answered.
The daily newspapers Le Soir and La Capitale reported that three assailants lobbed grenades into a crowd at the bus shelter and opened fire with guns.
Belgian media reported that one of the attackers was apparently killed, a man believed to be about 40 years old. The daily La Meuse newspaper said an attacker had killed himself. New reports said the attack began at about 12.30pm (630am EST) when the men lobbed several grenades at the bus shelter in Place Saint-Lambert, a busy downtown square.
The reports said witnesses reported four explosions and gun fire. An unidentified man who was wounded in the attack told Belgium's VRT television network that "someone threw grenades and fired shots."
Christmas market
Police were on the scene quickly and sealed off the square. Valerie Schaaps, a spokeswoman for the prosecutors office in Brussels, confirmed there had been explosions and gunfire, causing injuries.
Place Saint-Lambert is a busy crossroads. Every day 1,800 buses serve the square, which leads to downtown shopping streets.
The Place Saint-Lambert and the nearby Place du Marche host the Liege's annual Christmas market which consists of 200 retail cabins and attracts some 1.5 million visitors a year.
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Date published: 2014-08-19


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Who do you think looks best today? (5 photos)
The best street style from London Fashion Week: http://ow.ly/p48HS via @StyleCaster
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