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Research Driven Investing strives to provide investors with free daily equity research reports analyzing major market events. Take a few minutes to register with us free at www.RDInvesting.com and get exclusive access to our numerous stock reports and market updates.
ChemoCentryx Inc. (NASDAQ: CCXI) shares declined 3.35 percent to close at $6.05 a share Monday. The stock traded between $5.90 and $6.34 on volume of 594,140 shares traded. Analysts at Goldman Sachs have recently initiated coverage on the company with a "neutral" rating and a price target of $7.00. Shares of ChemoCentryx have fallen approximately 450.0 percent in the past year.
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Corcept Therapeutics Inc. (NASDAQ: CORT) shares declined 13.07 percent to close at $3.26 a share Monday. The stock traded between $3.15 and $3.52 on volume of 1.15 million shares traded. Analysts at Stifel have recently downgraded the company's rating to "hold" from "buy'. Shares of Corcept Therapeutics have gained approximately 65.0 percent in the past year.
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Select Medical Holdings Corp. (NYSE: SEM) shares gained 5.02 percent to close at $11.09 a share Monday. The stock traded between $10.86 and $11.13 on volume of 1.97 million shares traded. Analysts at Susquehanna have recently upgraded the company's rating to "positive" from "neutral". Shares of Select Medical Holdings have gained approximately 15.0 percent in the past year.
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Ventas, Inc. (NYSE: VTR) shares declined 1.32 percent to close at $59.90 a share Monday. The stock traded between $59.37 and $61.10 on volume of 2.82 million shares traded. Analysts at RBC Capital Markets have recently upgraded the company's rating to "top pick" from "outperform". Shares of Ventas have gained approximately 90.0 percent in the past year.
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Is this the same Simplifile they partnered with in 2009?
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Canvas Wall Art
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123s For Me Personalized Art Board for Boys
Holiday order deadlines for this item are as follows:Delivery by the first day of Hanukkah: 12/1/2014Delivery by Christmas Eve: 12/7/2014Stated deadline assumes item will be shipped via standard ground shipping. Orders placed after the deadline may be accommodated with expedited shipping. Please contact our customer care team at 877-214-6875 and we'll do our best to accommodate your request!Personalize your little one's room with a Hanging Art Board for kids! Each art board is created from original artwork and individually personalized to reflect your child's name. The design is permanently pressed onto 1/4" hardboard ensuring it will last a lifetime! These kids art board are the perfect accessory for an empty corner or hanging on a door. Your little one will love having his or her name on display!
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Hey everyone!
Hope everyone is safe and doing well after little Nemo's visit . I know I made a few rearrangements around the apartment to save my plants, seeing as the temperature has gone down. So if anyone didn't know, any sudden change from a single degree in temperature can kill a seedling or already bloomed flower.
It's important when growing flowers of any kind to keep a close eye on the temperatures that they are used to growing in. Should the degrees drop extremely low and unnoticed, don't move the flowers to a warmer area, or else they are likely to wilt and die. This is no good, especially if you take the time and effort to grow your beauties like I do. I wouldn't want all the hard work and effort to just up and die because of my carelessness or just because I wasn't well-educated in temperature range my flowers can bloom in.
As of now I have two bamboo plants which are pretty strong plants and can survive in some harsh conditions. Bamboo can even be planted outside in winter if fully grown. They have a stronger tolerance to the cold than say a stargazer. Stargazers can only live in low temperatures when still in bulb form. 35 to 36 degrees right on the dot. The last flower I am keeping alive, which is a challenge, is a little mini rose pot plant. These babies are extremely delicate – 60-75°F is the most comfortable temperature for these beauties. I'll admit the leaves have fallen from them, but they haven't died completely during cold months. This bush will actually go to sleep and save the roses from the cold. Just make sure these roses are really well watered and do not go dry – that will kill them.
So everyone I know I ranted a bit, and I just wanted to share some tips if you have inside plants this winter take care of them too. Seedlings need nurturing as much as humans do from this nasty cold weather.
Keep growing loves <3


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Filed under: Uncategorized
Filed under: inquiries
An inquiry on behalf of Anne Hasler from INRAP concering an interesting Spondylus bead
We found a circular bead made out of Spondylus in the south of France (ca. 4600 cal BC, early Middle Neolithic of France), where similar finds are totally unknown. The only quite similar bead I found comes from Vinča Belo Brdo: it is the biconical bead found during M. Vasić's excavations and published by V. Dimitrijević and B. Tripković.
Knowing that a previous dig in Provence showed some links between south of France and Balkans for the early Middle Neolithic, I wonder if some of the readers could help me tracing other beads of this kind.
Anne Hasler (firstname.lastname@example.com)
Photograph © Vincent Mourre /Inrap
Filed under: publications, Spondylus studies
Paper by Arne Windler on Spondylus trade and exchange mechanisms. Available here.
Filed under: publications
"Parures de coquillages du néolitique en Europe (vie-ve millénaires av. J.-C.)" by Sandrine Bonnardin, in the special volume of Techniques & Culture (2012), dedicated to the journeys of shells, Itinéraires de coquillages.
The volume is available here
Filed under: publications
The excavation at the neolithic site of Ugurlu yielded significant evidence of a possible Spondylus "workshop". More info on this preliminary article.
Filed under: conferences
The links below are videos of two shell-related papers read at a conference held on the occasion of a century of research in Prehistoric Macedonia at the Archaeological museum of Thessaloniki.
http://www.livemedia.gr/video/33077 (The journeys of neolithic Spondylus: A chronicle of research in the prehistoric Aegean, M. Nikolaidou & F. Ifantidis)
http://www.livemedia.gr/video/33050 (Aspects of Neolithic and Bronze Age diet and material culture in Central Greek Macedonia: The evidence from shell analysis, R. Veropoulidou)
Filed under: websites
New URL for the ICAZICAZ Archaeomalacology Working Group: http://www.archaeomalacology.com
The Archaeo+Malacology Group Newsletter is now available in pdf format.


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all sports
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Bradford have signed defender Ryan Dickson on loan from Southampton until the end of the League Two season.
The 26-year-old left-back will join the Bantams' squad for Saturday's match at home to Oxford if he receives clearance.
He is eligible to play in the Capital One Cup.


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Definitions for maltese monetary unit
This page provides all possible meanings and translations of the word maltese monetary unit
Princeton's WordNet
Maltese monetary unit(noun)
monetary unit on Malta
Find a translation for the maltese monetary unit definition in other languages:
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Discuss these maltese monetary unit definitions with the community:
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"maltese monetary unit." Definitions.net. STANDS4 LLC, 2014. Web. 20 Dec. 2014. <http://www.definitions.net/definition/maltese monetary unit>.


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Affleck on SAH
Find a Conversation
Affleck on SAH
|Mon, 09-17-2012 - 8:56am
I saw this clip on my homepage yesterday and I'm not sure how to take it.... Male Chauvinist or just being honest?
|Mon, 09-17-2012 - 12:57pm
Sounds honest to me, which is refreshing. I didn't see him putting down SAHMs at all --- just sayin's he's not SAHD material. Not many men are, actually!
|Mon, 09-17-2012 - 11:42am
He is being honest. I am sure if you ask most men or women, with successful careers and children, they would say the same.
|Mon, 09-17-2012 - 10:17am
I don't see chauvinistic. Nothing he said was about being a man or woman. Honestly, he sounds a little obsessive and anxious. I can actually relate. I was a Sahm for 12 years, completely dedicated to my children, but the way my mind works, no matter what I am doing, I'm usually thinking about other things I should or could be doing. Now that I work full time, I always fell the pull from what I'm not doing.


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So here are the many different things I've heard that cause the 4 month wakeful
-Change in sleep cycles. Now babies who need mom and dads assistance to go down, will require their assistance every time they wake up to go back to sleep. Learning to self soothe (sometimes through CIO) is sometimes necessary to help babies learn to go back to sleep on their own.
-Developmental. Babies go through a huge mental leap and have issues falling asleep because of this, so they should require more assistance to go down and may need you to revert to soothing techniques to help them through this (so no CIO)
-Developmental. Baby is more socially aware and wants to be around you more, so sleep training may be required to remind them night is for sleeping.
-Distractability. Babies are more distracted in the day, causing them to reverse cycle by eating more at night when there is less things around to distract them.
Basically.........I'm still unclear onto what it is. Or is it a mix of all of these things, and we just compound things when we react one way or another? So weird. so confusing. so not excited for if/when this occurs (LO is 15 weeks)
DublinMama:To put it simply, it's the devil disguised as all those things.
Amen sister! I'm in the midst of this now and it's 1. very real and 2. horrible! My LO is awake every 1-2 hours and is constant nursing. I'm a human binky and very unsure of what to do! Oh wellll


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Jealousness Whitening Moisture Facial Spray provides moisturizing, whitening, finishing and soothing effects. It can improve skin moisture while locking in water. Arbutin, the nature skin whitening agent, is effective for inhibiting melanin production in the skin and makes it brighter. This spray forms a protective layer from external sources and makeup damage. Soothes and repairs sensitive skin and moisturizes and brightens it.
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Uta Hagen, who set a towering example over a seven-decade career as a fiercely commanding actress on Broadway and as a teacher to generations of New York actors, died Wednesday at her Manhattan home, the New York Times reports. The German-born actress, whose three Tonys included one for creating the role of Martha in the landmark 1962 production of Edward Albee's ''Who's Afraid of Virginia Woolf,'' was 84.
Hagen made her professional debut at age 18 in a 1937 production of ''Hamlet,'' playing Ophelia opposite the legendary Eva LeGallienne in the title role. She made her Broadway debut a year later as Nina in a production of Chekhov's ''The Seagull'' opposite Broadway's First Couple, Alfred Lunt and Lynn Fontanne. She was married to actor Jose Ferrer from 1938 to 1948 and starred in a number of plays with him, including the famous production of ''Othello'' that starred Paul Robeson as Othello, Hagen as Desdemona, and Ferrer as Iago. In 1947, she replaced Jessica Tandy as Blanche opposite Marlon Brando's Stanley on Broadway in ''A Streetcar Named Desire.'' She won her first Tony in 1951 for the title character in Clifford Odets' ''The Country Girl,'' a role that would later win an Oscar for Grace Kelly in the film version.
Hagen devoted much of the latter half of her life to teaching at the HB Studios, the New York acting school she founded with Herbert Berghof, who was her husband from 1957 until his death in 1990. Still, she couldn't pass up the role of Martha, the boozy, venomous college professor's wife in ''Virginia Woolf.'' The part won her a second Tony, and she played it for nearly two years. She was devoted to the stage; she seldom acted in TV or movies (filmgoers may remember her as the devoted maid of Glenn Close's Sunny von Bulow in 1990's ''Reversal of Fortune.'') In 1999, she won her third Tony, a lifetime achievement award. Even after suffering a stroke in 2002, she continued to teach at HB Studios until a few months before she died.


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Apple iPad Mini
Yesterday during a media event held at the California Theatre, Apple finally introduced the iPad Mini. With a screen size of 7.9″ and a resolution of 1024×768 pixel, it meets the growing demand for a smaller screen size while competing against Android and Amazon tablets. "iPad mini is as thin as a pencil and as light as a pad of paper, yet packs a fast A5 chip, FaceTime HD and 5 megapixel iSight cameras and ultrafast wireless―all while delivering up to 10 hours of battery life" says Philip Schiller, Apple's senior vice president of Worldwide Marketing. Prices start at $329. We like!


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Google's Query-Based Circles Patent seobythesea.comSubmitted by jasonacidre Mar 26 2013 in SEO 0 Comments Discuss (0) |
Are Google's query-based social circles the answer to Facebook's Graph Search? Not too long ago, Facebook launched its Graph Search, which enables people to searh for things like "My Friends who live in San Franciso," and My Friends who like Surfing,' and "Places my Friends like.
5 minute read Continue Reading


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Make your experiences with the CCIM Foundation richer by joining a committee.
If you are interested being considered for service on the Foundation Board or on a Foundation committee, click here for an application.
Communications/PR Committee
Responsibilities include: developing an annual plan; promoting the Foundation's mission, programs, and fundraising initiatives to CCIM Institute members, universities, commercial real estate industry, general public, and media; overseeing all Foundation communications, including scholarship programs, special events, donor solicitation and recognition; article placement, and press releases.
Fundraising/Development Committee
Responsibilities include: providing development guidance, support, and oversight to the Foundation's fundraising efforts; recommending giving programs for Foundation scholarships and events, including defining recognized levels of giving; developing fundraising goals for each channel of giving; actively explore and pursue new fundraising opportunities; review current donor lists to assess and qualify prospects. Facilitate contact with those prospects.
Gifting Committee
Scholarship/Programs Committee
Responsibilities include: reviewing all current programs and scholarship initiatives offered by the Foundation; developing guidelines for application process and evaluation of applications including: developing schedule of application deadlines, evaluations, candidate reviews/interviews, and award presentations; acting as liaison to colleges and universities to inform commercial real estate faculty and students of the availability of scholarship funds.


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December 25, 2014
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The 2013 CHEVROLET SILVERADO 1500 you are looking for is Not Available any more! But we Found some Similar Vehicles.
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© 2014 Flight Suits. All rights reserved. Infinity Arts: Custom Ecommerce System
About This Page: Find a huge collection of Flying Tigers patches here at Gibson & Barnes. Gibson & Barnes takes pride in preserving little pieces of history through our AVG Flying Tigers patches. Find the perfect Flying Tiger patch today.


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U.S. and Argentine Federal Income Tax Treatment to Bank Deposits Interests. A policy study about the argentine interests exemption.
By Guillermo Rubinetti, University of Texas at Austin (November, 2010)
I.- Introduction
This paper will be divided in three parts. In the first section I will analyze and compare the tax treatment that bank deposit interests receive under the argentine and U.S. federal income taxes. The main respective provisions and the key differences between both tax systems will be explained. Due extent limitations, unless necessary, the paper will limit the analysis to the bank interests treatment, but in some cases it would be necessary to provide a broader explanation of the differences between both taxes basic structure to provide better a understanding of the issue under study.
The second part of this paper will concentrate in the policy analysis of the exemption of bank interest provided by the argentine federal income tax. I will do a brief historical introduction to the provision, and the modifications that suffered since it has been enacted. After the historical review, I will focus on a policy analysis of the bank interest exemption contained in the argentine tax law. The exemption will be examined under the tax principles of economic efficiency, equity and simplicity.
Finally, the third part of this research will include some conclusions derived from the historical and policy analysis, and will provide suggestions of what could be changed or improved to make it more consistent with the rationale of promoting private savings, and at the same time to address some of the fairness issues that have been pointed.
II.- Treatment of Bank Deposits Interests under U.S. and Argentine Federal Income Taxes
In this section I will introduce and compare the main regulations from both tax systems related to this research, and some key facts -that while they won´t be developed in detail on this paper- they will help to understand, compare and analyze the public policies implied by the discussed fiscal treatment.
From U.S. perspective, Section 61 of the IRC, defines "gross income means all income from whatever source derived, including (…) Interest". [1]
An interesting point to mention in the comparison is that U.S. also uses tax policies to attract deposits to its financial system. The IRC Code excludes from gross income bank interests (and other portfolio investments) of non resident alien not connected with a U.S. trade or business. In the case of Argentina there would be argentine source as is the place where interests are paid in absence of an exemption.
In Argentina, "Ley de Impuesto a las Ganancias" (hereinafter LIG), provides in article 1 that: "All income obtained by individuals or corporations is subject to this emergency tax"[2]. Article 3 of LIG defines gross income, and requires, in the case of individuals, to exist a source of the earning or rent that is: a) periodical, b) permanent, c) habilitated (being able to make the source produce income). This concept of gross income is resembles to the one sketched by the U.S. Supreme Court in Eisner v. Macomber 252 U.S. 189 (1920).
In the case under study, individual bank deposit interests, they fulfill all the three conditions required by article 3 of LIG to be considered gross income, as they are paid periodically, they do not consume the capital or source as they are extracted, and the capital is able to produce them.
So both U.S. and argentine Federal Income Taxes consider bank interests gross income in the case of local residents, even in the more limited gross income concept of LIG. But the argentine law contains an exemption for bank deposit interests.
Article 20 of LIG provides: "Are exempt from tax: h) Interest arising from deposits made in the following institutions under the legal regime of financial institutions: 1. Savings, 2. Special savings accounts. 3. A certificate deposit. 4. Deposits of others or other forms of solicitation of public funds as determined by the CENTRAL BANK OF ARGENTINA according the established by the respective legislation. There are excluded of the previous paragraph, deposit interests with adjustment clauses. The provisions above shall not prejudice the full effect of the special laws which establish exemptions of equal or greater scope."[3]
Two important issues should be taken in account, one is that the argentine income tax from individuals represents 3.1% of GDP (2008), while in US this number rises to 9.2% of GDP (2008).[4]
It also should be noted that individuals in Argentina are subject to 21% VAT for most goods and services they consume, subject to high Social Security and Payroll Taxes, and there is a progressive Wealth Tax for individuals with a net wealth over $300.000 pesos. The total tax pressure in 2009 reached 30% of the GDP[5] which is the second high for Latin America, and comparable to OECD tax levels. But this high pressure as numbers show is not mostly achieved through the argentine income tax.
Other tax to take in the analysis is the Tax on Bank Debts and Credits[6] which basically taxes every bank account at a rate of 0.6% each debit or credit. Workers saving accounts are exempt to the amount deposited by the employer. This tax gives depositors the complete opposite incentive than the exemption.
From the comparison, it results evident that Argentina and U.S. have adopted opposite provisions respect to bank deposit interests. While U.S. federal income tax has a broad concept of gross income and levies tax on interests without exceptions, the argentine system exempts automatically all interests on individual bank deposits, and other interests like public traded debt of companies.[7] The argentine income tax excludes or exempts most returns on financial investments for individuals, which can be identified as a basic tax structural difference among both systems.
Established the substantial differences between both taxes, I will now evaluate the argentine exemption under the light of the tax principles of economic efficiency, fairness, and efficiency.
III.- The Argentine Federal Income Tax Exemption to Bank Interests.
1) Brief History of the exemption
After several attempts that were rejected by Congress, the first Income Tax law was approved in Argentina in 1933, and "it did not include in its article 4, relating to exemptions, any waiver pertaining to interest from deposits in bank accounts of any nature".[8] The next year, Law 11.682 "Ley de Impuesto a los Réditos" replaced the previous tax that was instated by a provisional government, and solved many flaws of that law, and created for the first time an exemption for bank depositors for the first time.
The exemption experimented many changes being up to date 77 years in force. The first exemption was very limited, and conditioned that interests did not exceed one peso moneda nacional (M$n 1) per liquidation period. In 1946 with Perón in power, the cap was increased to a more generous 50 pesos moneda nacional.[9] In 1954, under the same government, but economically in decline, Congress decided to takes off the cap, and granted the exemption without limits.
In 1961 were included to the exemption "the amounts provided by the employers to their employees in deposits or loans". [10] Again, a cap of $5.000 pesos was established in 1971[11], but it was shortly after, on December the same year, the cap is removed once again, on grounds of promoting internal savings[12].
Finally, article 20 of LIG replaced article 19 of Ley 11.682 in 1974. The exemption on employer's loans deposits was eliminated in 1986, and the new article did not provide any maximum cap. It is interesting to note that some political groups are pressing actually in Congress to limit this exemption, reestablishing again a maximum cap, on grounds of fairness, along with the repeal of other exemptions on income from stocks, bonds, etc, (know as financial exemptions art. 20 inc h, n, k).
2) Policy analysis of the exemption
This section we will examine the policy behind the exemption of bank deposits that basically consists in using the tax system to promote the stability and growth of the financial system.
Atchabaian states that the exemption was "aimed to satisfy the need of not discouraging the formation of private savings, always essential in the effort to promote investment processes within the economy"[13].
While this may be truth in the origins of the law, and can be found in one of the extension decrees from 1980's, the justification in the 90´s to extend the exemption while the financial system was healthy and the economy stable, was changed to "legal certainty of financial system reasons", and the Congress did not say a word about the rationale when it made the exemption permanent in 2001.
Argentina has historical moderate domestic savings rates (compared to high growth countries), and it's an upper-middle income country, which needs higher rates of growth to achieve full development. U.S. on the other side, setting aside times of crisis when it needs to stimulate demand, is the biggest economy in the World and has one of the highest baking rates in the world –as percentage of population-. Although domestic saving rates both actual and historical contradict this explanation. Argentina has 27% of GDP of domestic saving rate compared to U.S. 13 % of GDP. Rates would advise opposite tax legislation if the exemption and policy was as useful as proposed.
Argentina economy, as a primary goods exporter, is more vulnerable to external shocks, and international crises, often reverberate in its financial system. Depositors had been expropriated their deposits by hyperinflation and devaluation in the 70´s, 80´s, and in 1989 CD´s were converted to public debt bonds. In 2001 bank crisis, U$S deposits that had insurance from Central Bank were defaulted and converted 1 dollar to 1,40 pesos (when dollar market price was $3.40). There are probably other tools more effective than a tax exemption to boost depositor savings, and to create trust in the public, by assuring stability of rules, and Courts reassuring property rights of depositors.
It can also be said that since 2000 in Argentina imposed 0,006% gross emergency tax, to any credit or debit to any bank account, and transfers between accounts between banks. This tax still exists, but is very controversial, and raises the double of the funds for the treasure than what the exemption is speculated by the Treasury to cost.
I would analyze the exemption under the three classical policy principles: economic efficiency, simplicity, and fairness.
2.1. Economic Efficiency
The weakness of the financial system and the distrust of the general public to banks could be a good rationale to establish an exemption in order to attract depositors that otherwise would invest their money in most lucrative but taxed activities. But this raises many questions if this change of behavior promoted by tax incentive is efficient at all from an economical perspective.
Notwithstanding, the exemption, as most exemptions, introduces a distortion in the incentives of the economic agents. This is what the Congress intends, to change some specific conduct that -always according to Congress- would not happen in absence of the exemption. According to Congress good intentions, the economic agents, which ex ante, would decide to spend their money, or just place it under the mattress, with the enactment of the exemption, will change their behavior and constitute a deposit in the argentine financial system.
This distortion of economic agent's behavior would be justified if the Congress and Government policies respecting bank depositor's property rights would be consistent with the public policy of the exemption. On the contrary the recent prorogated –not so emergency- bank credits and debits tax shows that Congress has less interest in promoting the health of the financial system than raising revenue for the Treasury.
Another aspect that should be studied, because this is a tax on interests on deposits, is the temporal neutrality of the exemption, if the exemption affects the decisions of taxpayers to consume or defer consumption for the future.
An intuitive economic consideration would suggest that taxing bank interests would reduce its after-tax return on investment decreasing the incentives of the economic agents to save, or at least to funnel saving through the financial system if all other financial exemptions are not repealed also. The exemption (with other exemptions to return on capital) would in theory add inter-temporal neutrality to the tax, which in its absence would result in a distortion of the decision to consume or save.
Slemrod exemplifies: "a tax of 20 percent on interest income reduces the reward to saving that income. If the before-tax interest rate is 10 percent, you get only an 8 percent return after tax. Another feature of our tax system can exacerbate this distortion: it fails to adjust the measurement of capital income for inflation.[14]
While the creation by an exemption of an incentive to save is undeniable, economists don`t agree and there is no conclusive empirical proof that there is a correlation between the incentives to save and the real private saving rates observed in the economy. Most probably, the save or consume decision is influenced by other more decisive factors (personal expectations, family needs, job and career expectations, cultural, economy outlook, etc) being tax only one of them and not the most significant.
Slemrod states that: "A large number of studies have (…) generally come to the conclusion that saving is not very responsive to incentives. It is probably not appropriate to call this conclusion a consensus (…) Still, given the state of the evidence, any claim that reducing or eliminating the tax on the return to saving would lead to large increases in saving must be viewed with skepticism."[15]
The uncertainty about the economical effects on savings of the exemption weakens one point that could be argued in its favor, and was that if it had really an effect on the level of savings, it would have contributed also to a more neutral tax, by not distorting the decision to save or consume, the first which would be penalized by taxing interests.
A last note on efficiency, if the exemption is repealed, all the other financial exemptions should be repealed also, in order to avoid the creation of new distortions favoring the non repealed exemptions.
2.2. Simplicity
In general any exemption added to the Law, adds complexity, and litigation whether the taxpayer´s income is the type the Congress intended when enacted the exemption.
There is a key difference between U.S. and Argentine Supreme Court related to the treatment of exemptions. The Supreme Court of Argentina has changed for many years the traditional doctrine that exemptions should be interpreted in a restrictive way -which U.S. Court supports-, but instead they state that exemptions have to be given all the extent Congress wanted to give it. This is more neutral approach, but can get to more complex interpretations of what the Congressmen meant when enacted the provision.
The exemption hasn´t caused in 77 years in force much litigation, or complications of interpretation, so it shouldn´t be repealed or limited on grounds of simplicity.
On the contrary, the exemption has made the lives of millions of argentines easier, as they had never to report income from their bank accounts, nor get withholdings, or fill any type of forms. Many employees receive their salaries in a saving account, and as it is exempted, they don´t have to file taxes for the interests on those accounts. The same could be said for most people who have a saving account, a checking account, or a certificate deposit. If the exemption would be repealed, the banks will have to withhold the tax from the interest, and that would make a lot of people to file tax returns.
Most employees in Argentina get their taxes both income and social security withheld, and don't file taxes unless they have another activity. The repeal of the exemption will add more complexity, especially for small taxpayers that now do not have to file taxes, or fill any form.
2.3. Fairness
The exemption of interest income from bank accounts has been recently attacked on grounds of fairness. In fact there is a project in Congress to put a maximum cap of $30.000 pesos, and repeal other financial exempted income from stocks, bonds, etc, (know as financial exemptions art. 20 inc h, n, k).
Fairness could be formulated by the statement that all people should equal contribute to the maintenance of public charges. From there derives the application of two principles: horizontal equity (equal treatment for those who are in similar circumstances) and vertical equity (adequately different treatment to those who are unequal in different circumstances) In this sense, the principle of equity could be used to synthesize in a way, the principles political-social or ethical issues that concerned Neumark in his famous work, "Principles of taxation ", i.e. the generality, equality, proportionality and redistribution. [16]
From a horizontal equity analysis, is unfair that someone who constitutes a CD for $400.000, does not get taxed on the 15% average interest he will get, while someone who uses that same amount in a risk business, and supposing a same level of return 15%. The return of the second will be taxed, at the progressive rate which maximum is 35%.
To be fair two points have to be conceded. From an historical perspective, the risk of not getting the money back from an argentine bank may not be completely reflected in the interest the depositor is getting paid. A business with 15% ROI is a very low risk business, and probably not the perfect comparable.
Anyhow, one taxpayer does not pay any tax compared to the other whichever the risk is, the marginal rate for the income of the second is 35%. In my view, the provision does not stand a fairness analysis.
At this point I would like to add, the actual 12% interest rates from the example are negative compared to 25% annual inflation that Argentina has suffered the last 2 years, which cannot be adjusted in LIG both for individuals or corporations up to date.[17] While the exemption is unfair, in this -hopefully temporary- inflationary scenario, taxing a negative interest (which is clearly not income, but recovering some part of the unrecognized loss from inflation) would lead to significant cases of unfairness.
As vertical equity comparison, we may compare the case of Amalita Fortabat, a billionaire and the richest woman of Argentina, who may have 4 million pesos in certificate deposits in a bank of Argentina –almost 1 million dollars-. For that sum she can probably get 20% interest, so in one year the Congress will agree her to make $800.000 pesos tax free. Amalita will be waived of top marginal rate which is 35%., the tax exempted in this case would be $ 266.500 pesos.
On the other hand most low/middle income workers will spend most of their salaries during the month in their saving accounts. Let´s suppose, Federico, starting at a law firm junior lawyer, who earns $3.500 pesos per month, and , he saves $5.000 pesos and constitutes a certificate deposit at 12% rate. After a year, he will have $ 600 pesos free of tax ($150 dollars approximately).
Due the progressive rate, the tax that which would apply to Federico in absence of the exemption is 9%, and the tax levied would be $ 54 pesos. The progressivity of the tax rate makes the exemption more regressive and vertically unfair, as taxpayers in higher brackets receive greater if not most of the benefits of the exemption. Does Amalita need more help than Federico?
But the vertical fairness does not end there. Argentina has VAT at 21% rate, and a reduced rate of 10.5% to some basic products. There are many poor people, who are not as lucky as Federico to have a formal job, or job at all, and doesn´t have and never knew anyone who have a bank account. It´s not only that, the loans this exemption wants to promote, by the formation of a bulk of deposits, will never reach this low segment of the market, as the banks mostly target middle and higher income.
The multiplier effect that banking and financial system could offset at some degree, the inequalities that were pointed, as the loans, even for the rich, could create jobs, and consumption, and more jobs, etc. But, as was pointed earlier, and will be addressed in the conclusions, to overcome the secondary effects of this public policy –in this case clear unfairness- and to achieve the goal set, it is necessary that other non-tax policies are followed consistency. In absence of them, the policy is ineffective, and the unfair consequences of it arise.
Inflation recognition problems should be solved allowing temporarily inflation adjustments as this is not the only field were there taxation of inexistent income because of inflation leads to unfairness. This will lead to complexity issues. That´s life. A struggle between efficiency, simplicity and fairness…
The fairness analysis is conclusive this is an exemption that mostly favors the well-to-do, it is a scandal that an indigent person pays 10.5% VAT for milk and bread, but billionaires are not taxed on their interests on deposits or stocks. On exclusive fairness grounds I would support the repeal of the exemption.
3) A cap on grounds of fairness and simplification
The history of the exemption is also the story of the cap, coming and going. I think that reenacting of a cap has sense both in fairness and simplicity aspects, and will be better policy than just repealing the exemption.
A cap set at a reasonable amount like the minimum non taxed salary. The cap could be set in a specified number of minimal salaries also. But it should be set above the level of salaries that including deductions are not required to file taxes. If not the Government should have to implement a system to refund tax, that people won´t trust or accept peacefully. Simplicity issues advice that the cap will not be lower than $ 6.662 pesos which is the salary of a married worker with two children which does not pay the tax.
The project in the Congress suggested the amount of $30.000. To my mind, in a country where the minimal salary $1.740 pesos, that amount is excessive. One thing can be wise about the amount, Congresses more usually get late than early updating monetary caps (Section 861(a)(3) of IRC cap of $3000 is a good example). This could be aggravated if Argentina continues suffering annual high 0inflation.
According to the Argentine Supreme Court, the negligence of the Congress cannot be presumed, so I would suggest a cap of $7.000 pesos, trusting that Congress will timely update it each time the minimum taxable and deductibles are updated also.
This cap will cut the windfall for the rich, but will still benefit most middle class and some low earners. It will cut some of the unfairness, but not completely as lower classes will continue not to have access to banking or loans, but at least will not be subsidizing the wealthiest free tax income with their dairies purchases.
IV.- Conclusions
Argentine Congress cannot rely exclusively on the tax system to promote the deposits in the banking system, when all other policies for the last 60 years have discouraged them. In this scenario the use of the tax system to promote public policies doesn´t have any strength as a public policy tool. Economic agents, who´s property rights in the banking had been disrespected on several occasions will mostly not follow the economic incentive that is given.
The exemption is economically inefficient as economic agents are making decisions based on tax considerations, instead of business ones. The inefficiency would be offset if the goal of achieving a stronger financial system, and more loans available to the public would be achieved.
In theory the exemption –with other exemptions- would achieve temporal neutrality of the tax, and incentives to save, but there is no empirical proof to demonstrate that these incentives reflect in the conduct of the economical agents. There is no conclusive data to ascertain that the exemption has any real effect on consumption decisions, or even that it promotes the growth of the financial system at all. Given this uncertainty, it is not possible to give a judgment if the exemption contributes to tax neutrality, and to economic efficiency.
In the special case of Argentina, because of its recurring banking crisis, it is easier to sustain that there is no relation between the incentive created and the actual savings. If there is no real impact on the level of deposits, then the unfair implications of the exemption have a more difficult justification.
The exemption proves to be unfair both under horizontal and vertical analysis. It is a privilege that benefits mostly wealthier people, while most taxpayers receive no or a minimal part of the tax expenditure. This unfairness is not offset by the simplicity achievements. The inflationary issues that the repeal would create, may arise new cases unfairness, those issues should be solved by Congress by allowing some type of recognition of inflation. As not recognition of inflation is revenue raising, and also indexation may accelerate inflation, this solution may prove not to be politically possible.
Bank Interests is a simple exemption, as it is not necessary to fill any form to obtain it, and it is provided to all individuals automatically. It complies with simplicity principle, and its repeal would result in an increase of complexity for taxpayers, tax administration, and banks.
The complexity concerns of the repeal do not offset the fairness issues that the exemption arises. In order to avoid the increase in complexity, while addressing the fairness concerns, I propose the reenactment of the cap, which will balance fairness and simplicity concerns
This cap will cut the free lunch for the wealthy, while still covering middle class and some low earners. It will cut some of the unfairness, but not completely as lower classes will continue not to have access to banking or loans, but we cannot ask Rawlsian justice to a federal income tax, which maybe better achieved though public direct expenditure.
Being that is not possible to demonstrate that the exemption has any real effect, and given the serious unfairness issues pointed in this work, at least the undesired consequences of the exemption should be removed by reenacting a cap.
[1] 26 USC Sec. 61
[2] Law 20.628, (T.O. Decreto 649/97 y modificatorios).
[3] Law. 25.402, Article 3, subsection a), B.O. 12/1/2001 entered in Force on 01/12/2001 making this exemption permanent for interests received after 1 January 2001, inclusive. Before this enactment, Congress allowed on yearly to the Executive to maintain or not the exemption since 1986.
[4] Juan Pablo Jiménez & Jesús Ruiz-Huerta, Política fiscal y equidad: una mirada cruzada entre Europa y América Latina, LC/R.2153, 2009, U.N., Comisión Económica para América Latina y el Caribe (CEPAL).
[5]U.N., Comisión Económica para América Latina y el Caribe (CEPAL), Estudio económico de América Latina y el Caribe • 2009-2010, LC/G.2458-P , 97.
[6] "Impuesto sobre los Débitos y Créditos Bancarios" enacted by Law 25.453 B.O. July, 31, 2001.
[7] "Obligaciones Negociables" is a type of public traded debt emitted by companies which interests are also exempt for individuals by art. 36 bis, inc. 4 of Law 23.576.
[8] Adolfo Atchabahian, Exención del impuesto a las ganancias sobre intereses de depósitos en cuentas bancarias: proyecto de ley para derogarla, PET 2010 (junio-444), 11/06/2010, 9.
[9] Law 14.338, B.O., May, 20, 1946.
[10] Law 15.798, B.O., January, 10, 1961.
[11] Law 19.127, B.O. July 16, 1971.
[12] Law 19.409, B.O., December, 31, 1971.
[13] Atchabaian, supra.
[14]Joel Slemrod & Jon Bakija, Taxing Ourselves. A Citizen's Guide to the Debate over Taxes, The MIT Press 127, (fourth edition).
[15] Supra, 130.
[16] Juan Pablo Jiménez & Jesús Ruiz-Huerta, supra at 9.
[17] The Supreme Court favorably decided only one case of confiscation of capital, because of the prohibition to adjust by inflation for year 2002. Confiscation has to be proved case by case and is very difficult to prove in Courts (Corte Suprema de Justicia de la Nacion, "Candy S.A. c/ AFIP y otro s/ acción de amparo". C. 866. XLII 03-07-2009).


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Woods Walker Review By J. Wayne Fears » GDO p. 1
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Solving Cross Browser Issues - Part 1 (JQuery and GWT)
When writing JavaScript I generally try to cater for the big 5 (IE, Firefox, Chrome, Opera and Safari), an endevour that gave me a lot of grey hair last week while sorting out issues that I noticed on a few of my older projects (created before the advent of Chrome).
I would adapt a script to work for Chrome which would cause it to break in FireFox, when I fixed it for FireFox it would break in Safari, which in turn ends up breaking IE (no surprises here), eventually I managed to make all the browsers happy (on a stack of cards), at the expense of a lot of precious time.
This is obviously a bit ridiculous and emphasizes the need to use some kind of abstraction/framework that provides common ground to all of these browsers, an issue that I believe greatly contributed to the birth of technologies like GWT (Google Web Toolkit) and JQuery.
In this post I am going to have a quick look at the technologies mentioned in the preceding paragraph, bear in mind I am no expert on any of them (been creating scripts using JQuery on/off over the last few years, my GWT knowledge is solely theoretical at the moment).
Feel free to comment on other sane solutions that you've used.
Note that I am going to use the following raw JavaScript snippet as my criteria to demo and compare solutions throughout this series of posts:
function limiter() { var textareas = document.getElementsByTagName('textarea'); for(var i = 0; i < textareas.length; i++) { var textarea = textareas.item(i); limit(textarea); } } function limit(sender) { var maxlength = sender.getAttribute('maxlength'); if (maxlength != null) { // limit input values sender.onkeypress = function(e) { // Crossbrowser Issue if (e == null) e = window.event; // exclude certain keys from our limiter if ((e.keyCode == 8) || (e.keyCode > 36) && (e.keyCode < 41)) return true; return (sender.value.length < maxlength); } // limit pasted values sender.onpaste = function() { // onAfterPaste setTimeout(function() { if(sender.value.length > maxlength) { sender.value = sender.value.substring(0, maxlength); } }, 1); } } } // Only Attach events needed for limiting the textareas once the page finished loading if (window.addEventListener) { // FF etc window.addEventListener('load', limiter, false); } else{ // IE window.attachEvent('onload', limiter); }
Few things to note about the preceding snippet:
Its intention is to add support for the maxlength attribute to textareas, note that this is something that is part of the HTML5 specification and currently only supported by 3/5 of the big browsers.
It tries to be cross-browser friendly, but fails - the use of the paste event not supported by Opera and the keyCode property being used on the event object.
- The use of all kinds of horrible browser specific code, like how to retrieve the event and the way we attach events in different browsers.
Lets have a look at how to improve this script.
To be honest the first time I saw JQuery I didn't really pay too much attention to it, mainly because it wasn't the only JavaScript library around.
But as soon as Microsoft employed guys like Rey Bango and started shipping JQuery with Visual Studio not to mention providing JQuery (along with Google) via their CDN networks, I started taking it seriously.
In the following snippet you can clearly see the advantages of using JQuery (over the raw script).
$(function() { $('textarea[maxlength]').each(function(index, element) { var maxlength = $(this).attr('maxlength'); $(this).bind('keypress', function(e) { if ((e.which == 8) || (e.which > 36) && (e.which < 41)) return true; return (element.value.length < maxlength); }); $(this).bind('paste', function(){ setTimeout(function() { if(element.value.length > maxlength) element.value = element.value.substring(0, maxlength); }, 1); }); }); });
What we're seeing at the top is a lot less code, a lot cleaner code and cross-browser friendly at the same time.
I must point out however that by merely using JQuery you're not magically going to be immune against all cross-browser issues, time and time again I've come across JQuery plugins (written by third parties especially) that are not cross-browser friendly.
Regardless of using JQuery we can still get our hands dirty, even looking at the simple JQuery example in the preceding snippet you might notice thats its still not completely cross-browser friendly. I am of course referring to the use of the paste event thats not supported by all browsers (not to mention the ugly setTimeout hack being used).
GWT (Google Web Toolkit)
Now recently I went to my first google event where Mike Springer talked about GWT (among other things).
The audience didnt ask a lot of questions, but I am going to share two of the questions asked and paraphrased approximations of what Mike replied (in grey) and some thoughts I've got on the matter.
(from left to right, Wayne, Jason aka dum dum, Cornell and me)
Can we use GWT with other languages like PHP for example?
Yes, since GWT compiles into JavaScript you must only really be concerned about handling the AJAX read/write from and to GWT, something you can handle with JavaScript overlay types - introduced in version 1.5 of GWT.
Ideally I feel that if I am going to use GWT it would make more sense sticking with Java all together (omit PHP etc) where possible because:
Java is its native platform, which generally means better support and tools.
I like the idea of only using one programming language (if we exclude HTML & CSS as being languages and
substitute JavaScript with Java), else it would mean that you'll likely be adding a third programming
language (Java) to your website, assuming that human written JavaScript remains part of the equation.
Which obviously adds an unnecessary level of complexity, maintenance and skills needed.
- Java is its native platform, which generally means better support and tools.
Can we use GWT with JavaScript libraries like JQuery?
Yes, you will able to integrate with any JavaScript library using the JavaScript Native Interface (JSNI) of GWT.
I don't like mixing technologies too much (kinda like mixing your booze), especially technologies with the same goals in mind.
Unfortunately we don't always have a choice in the matter, especially when working with legacy code or if doing so would save us some precious time (debatable in the bigger picture).
I once had to work on a project where almost every developer that worked on it before introduced his own preferred javascript library (even though all the libraries did the same thing at the end of the day). I would hate to be the guy that introduces even another partner to that polygamous relationship.
So personally if I ever plan to use GWT, I will do so on new projects (or projects void of existing like minded tech) and on old projects try my best to make the existing technology work.
In the next part of this post I am going to move a little bit out of my theoretical knowledge of GWT and attempt to write a GWT version of the criteria used in this post, which should give us a fairly basic code comparison.
I am also going to have a look at Google's new language for the web - Dart.
Posted by - Christoff Truter
Date - 2012-01-09 01:18:08
Comments - 0
Date - 2012-01-09 01:18:08
Comments - 0
Be the best stalker you can be
I recently retired from an illustrious career in stalking and decided today that I need to pass down my incredible knowledge to aspiring stalkers.
I know it's a bit of a cliché but you're never too young or old to become a stalker.
The following list contains some crucial information you need to know if you want an impeccable career like I had.
- Stalkers Anthem
The first thing that you need to know as stalker is of cource the stalkers anthem, but what is the importance of an anthem?
Well, think about the scene in Rocky 1 where Sylvester Stallone runs up the stairs with eye of the tiger playing in the background, its all about being inspired, being proud of who you are and what you're about to do.
So every day before you go out to stalk your stalkee, remember to play the stalkers anthem "Every Breath You Take", thank you Sting - You're an inspiration to all of us!
Every breath you take
Every move you make
Every bond you break
Every step you take
I'll be watching you
Every single day
Every word you say
Every game you play
Every night you stay
I'll be watching you
Oh can't you see
You belong to me
How my poor heart aches
With every step you take
- Build a shrine
Building a shrine in honour of your stalkee is quite important, I am sure you're familiar with the phrase "keep your eyes on the prize" - at the end of the day thats what its all about.
One crucial component to your shrine is of course the use of photos, you need to have as many photos as humanly possible of your stalkee, it would also be highly advisable to pin these photos against a wall, preferably a wall thats not too visible to everyone, e.g. inside a cupboard wall - because you dont want anyone to think you're creepy or anything.
Also avoid the use of candles in your shrine, you're a stalker not a serial killer! (you also dont want to burn down your cupboard in the process)
- Equipment
Ever wonder what bird watching equipment is really for?
No stalker can truly be successful without a good pair of binoculars, get yourself the strongest pair money can buy, acquire a really big telescope if that's not good enough. (bird watching is a good cover story though)
Night vision is also a must have, your stalkee must go to bed eventually like everyone else?
Also get yourself a strong listening device and become skilled at lock picking in order to plant audio surveillance equipment in their phones, cars etc.
While on the subject of breaking an entering, why not hide a few high resolution cameras in some discreet areas of their habitat and remember to leave a red rose on their pillow every night before they go to bed.
- Social Networking
The advent of social networking really made stalking a lot easier, facebook, google plus, twitter just to name a few.
I found that twitter is only second to google plus when it comes to being stalker friendly, while facebook makes it a little bit harder, but with some creative swindling it might become your most powerful stalking ally.
Now the key to using social networking as a stalking tool is of course the use of aliases, you will most definitely need to create multiple aliases - doing so will make it less suspicious.
You might ask me how many aliases do you need to be effective, is there some kind of formula I can use?
Well, I found after doing years of research that there is in fact a relation between your followers on twitter, facebook and google plus and the number of aliases you need, simply multiply by two.
- Clothing
Avoid wearing clothing that would draw too much attention to yourself; as stalker you must be stealth minded towards everything wardrobe related.
Night times you're ordinarily going to spend most of your time in obscurity up in trees and behind bushes, so make sure that you've got a lot of black clothing in your cupboard (also useful for hiding your shrine).
- Join the CIA
Chances are fairly good that your stalkee will be surrounded by friends, family, a spouse or someone, now in the event of them noticing you, you might need to defend yourself physically (or legally).
So I would definitely recommended that you go for self-defence classes, a quick solution would be to simply join the CIA - you'll get all the training you need to be an effective stalker plus a good cover story. You would also save a lot of money on equipment etc.
- Scheduling
If you've been paying attention you will realise that stalking is a rather expensive, time consuming endevour.
You might ask, where will I find the time and money to do all of this? (unless you've already managed to join the CIA)
Well, with your initial investment of time and money you will be able to gather an immense amount of invaluable information about the comings and goings of your stalkee.
Remember that your life is nothing more than an extension of the person you're stalking and you wont ever be complete if you cant smell their hair, so you need to schedule and mold your whole life around this person.
Ideally you must pursue the same career or work in the same office building as your stalkee, doing so will greatly simplify everything.
- Golden rules
1. Never make eye contact
2. Maintain your distance
3. Know the law (what is a restraining order?)
4. Never befriend your stalkee
Happy stalking!
Posted by - Christoff Truter
Date - 2011-12-13 22:33:54
Comments - 0
Date - 2011-12-13 22:33:54
Comments - 0
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With no baby bump in sight, Beyoncé was spotted out and about on Wednesday (July 19) in Manhattan.
Currently on break from her Mrs. Carter World Tour, the 31-year-old entertainer looked relaxed and carefree wearing a black tank and colourful skirt.
Ne-Yo recently spoke with Rolling Stone about Bey's upcoming album saying that they are still trying to figure it all out, "I'm still putting stuff together for Beyoncé's album," Ne-Yo said.
"They're still trying to figure out what they want that to be, which I'm not mad at. Beyoncé's the kind of artist where you're not gonna see it till it's right. And her fans – they love her so they'll be patient."


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Can L/J be uturned again , since they've already been uturned before ?
The oasis/palmerie is my first guess for a Pit Stop, with Jabal Hafit a second choice; let's see if we catch them in any of the previews!
Tim was hysterical this episode! At the beginning he was a little bit boring, but he's finally stepping out of Marie's shadow! Loved that Jason and Amy moved on from the cab incident as well. I didn't realize how much the ER docs have dominated this race so far. Isn't their lowest finish 3rd place???


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[Back to Senator Carona's Home Page]
December 3, 2009DECEMBER E-MAIL UPDATE
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March 3, 2009Upcoming Press Conference: Texas Senator John Carona Will Unveil His Plan For Gang Free Zones Accompanied By Dallas County District Attorney Craig Watkins And Members Of The Senate
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Hot-Button Issues Pit Parent Against Parent
Posted March 22, 2010
Once a pregnancy is confirmed, many parents-to-be expect to have an easy entry into what they might think of as the Parenting Club. Lots of their friends already have children and now there should be so much to talk about together!
Sadly, they may be disappointed. Many parents find that instead of one large, supportive Club, as they expected, there are dozens of small, exclusive, narrowly focused "clubs", some with daunting membership requirements.
There is the VBAC Club for parents who advocate vaginal births following a previous cesarean birth. Pamphlets, donations and "efforts to get the word out" dominate these club meetings. WARNING: Should you end up having a 2nd cesarean birth, you can't belong...there is no Club for you, as far as I know.
The No-Circumcision Club is obviously exclusively for parents against circumcision. These meetings are very large and loud these days (there was even a televised debate on Fox News), and members must enter through the north door to avoid meeting up with the much smaller, quieter Pro-Circumcision Club.
The XYZ Best Birthing Class Club meets on a different night from the ABC Best Birthing Class Club. When members meet up accidentally in a baby products store, there is much comparison of advice and philosophy --usually with one of the Clubs looking like the better choice.
The Home Birth Club meets on a different night from the Hospital Birth Club, in order to avoid discussion altogether.
The Breast-Feeding Club is a large, vocal club to which everyone must belong immediately after birth. You are automatically voted in, sometimes without your knowledge or permission. Members are given large flags to carry and ID badges to wear. This Club meets anywhere and everywhere. Many people stay members for a year or more - but for those who do not, there is a "sub-club" called the Bottle Feeding Club. This sort of an underground club and members meet much more quietly and don't keep minutes. No flags. No ID badges.
The Attachment Parenting Club and the Conventional Parenting Club live in vastly different worlds. Many Conventional Parenting Club members aren't aware they are even in a club, nor have they heard of the AP Club (Many AP Club members are working hard to remedy this problem.) The AP Club advocates long-term breastfeeding (up to 3 years), baby-wearing (see how-to videos on utube), family sleeping arrangements and home schooling. The William Sears corporation leads and inspires the AP Club. The AP Club occasionally sprouts radical club branches with thorns that are intended to provoke nasty fights with regular AP Club members. On the other hand, the Conventional Parenting Club members don't hold formal meetings and have no particular guru, to speak of.
Other parenting issues around which new Clubs may be forming as I write, include:
- homemade baby food vs commercially made baby food
- sleep training for babies vs babies will sleep better some day, somehow but shouldn't ever cry.
- babies need sign language vs signing to babies is unnecessary
- early toilet training vs child-led toilet training
To tell the truth, I am disturbed by the divisiveness these issues and others are creating amongst parents. False pride, competitiveness and proselytizing only serve to make the most imortant job in the world - that much harder to do.
I hope YOU will weigh in on whether you perceive this negative dynamic in your own parenting life. What are your thoughts on how we got here? Are there Clubs out there I don't even know about? Is it hard to find like-minded parents to fit with your style of parenting?
NOTE: All pro and con comments will be published providing they do not include profanities, rude comments or verbal threats to any person, philosophy or organization.
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Filed under: Interesting Parenting Matters
Family Mealtimes - Pleasure or Disaster?
Posted March 18, 2010
Some parents of very young children wonder why the picture of the "family mealtime" looks so different at their house. It seems the harder they try, the worse the outcome. I've given this a lot of thought lately and I think I know what goes wrong. See if you agree and drop me a comment if you have further thoughts on this.
From the age of about three years on, I think family mealtimes have merrit and are worth pursuing -- on the nights when the stars align. On other nights, without guilt, you simply feed kids when they need to be fed with an eye toward bedtime, not worrying that you are letting anyone down by not sitting down as a family. Generally by the time children are 3,4 and 5 years they are able to understand both the pleasure and the expectations that come when the whole family eats together, when it is convenient.
Children who are not yet three years will be more erratic in their ability to sit still, not interrupt, listen and wait their turn. Children this age often need to go back and forth -coming for a bite then off to pick up a car and back for another bite. When parents are stressed by this I usually try to remind them that this is developmentally appropriate and allowing some flexibility but not commenting or giving the child attention, makes for a calmer time around the table.
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Filed under: Feeding and Eating
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@Rochester: June 4, 2009
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Winter Hat Wine Toppers
Keep wine cozy all season long with these winter-ready wine toppers. Mixed set of three hats consists of polka dot, star, and natural. Each with yarn-tie earflaps and a pom-pom on top. Once the wine has been enjoyed, the hat can retire to the Christmas tree as a toast-worthy ornament. Wool/poly felt. Imported. Size: 5" H
Beale Round Mirror
Round out your decor with this charming circle mirror in classic or spicy shades, featuring beautiful beaded detail on the frame. Hanging hook. Lacquered resin. Imported. Size: 40" diameter
Halloween Shaped Candles
Silly, spooky spirits as unscented paraffin wax candles add warm, ambient light to a mantel or tabletop while scaring up smiles. Make great hostess gifts or party favors; each ghostly white candle comes wrapped in clear cellophane tied with black ribbon. Designed to burn on a nonflammable tray, plate, or candleholder. Imported. Ghost Pillars (set of two): 10" H
Beth Mueller Halloween Bowl and Platter
Hand-thrown in Vermont, this creamy white earthenware pottery features adorable hand-painted trick-or-treaters that showcase the sweeter side of Halloween. The bowl is sized for handing out candy, and the platter is a great serving size for party treats. Lead-free glaze. By Beth Mueller. USA. Bowl: 10 1/2" diameter Platter: 13" round
Holiday Metal Letters
How do you spell holiday fun? Festive tin letters speak volumes, expressing seasonal sentiments on a wall or arranged on a shelf or tabletop. Contemporary blocky letters with a matte painted finish. Imported. Letters range from 11" H to 13 1/2" H


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7 Reasons Iron Chef Is More Ridiculous Than You Thought
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If you've never watched Iron Chef before, get thee to a television and turn on the cooking channel, stat! It's one of those vital viewing experiences that will shape the rest of your life. Not to mention that it's much more engaging than you'd ever expect a cooking show to be, and oddly entertaining for reasons that are hard to pinpoint.
The basic premise of the show (both the original Japanese version and the not-as-bad-as-you'd-think American version) is that a stable of world-renowned celebrity chefs face off against whoever is fool enough to challenge them. The contestants have one hour to turn the 'secret ingredient' (anything ranging from lobster to chocolate to insects) into a several-course meal fit to dazzle the most demanding of palates.
Then the meal is fed to those demanding palates, or at least, to the palates of whatever strange combination of food judges tangentially connected to tasting or the secret ingredient happen to be available for taping. Beards are encouraged. After that, the judges decide if the interloping chef defeats the Iron Chef.
It's obvious that the basic premise already has quite a bit of the ridiculous about it. However, that's just the start. There's more ridiculousness to Iron Chef than you can shake a stick at. Much, much more. For example...
The Propagation of Appliances
How many appliances are in your kitchen? You've probably got an oven, a microwave, and a toaster. If you're into cooking, you might also own a standing mixer, a food processor, and a blender. A regular professional kitchen might include a few additions, such as an ice cream maker and a grill.
But the Iron Chef kitchen is not regular in any sense of the word. Expect to see every kitchen appliance known to man, and a few extras that literally no one in the human race knows how to use - not even the people who invented them! If you think it's hard to use a mixer and the oven at the same time, try multiplying that by 1000 times. Now you know what the Iron Chef challengers are up against.
The Endless Ingredient Conundrum
Most people decide what they're going to make for dinner by looking in their fridges when they can no longer ignore their hunger and basing their decisions off of the contents. If all you have on hand is a beer and a few ketchup packets, your options are going to be decidedly limited.
Now imagine that you look in your fridge and it's somehow managed to defy the physical limits of the space-time continuum. That's right; every single thing that could ever be considered as food (and a few things that no one in his or her right mind would consume) is now staring you in the face, leaving your options limitless and your stomach empty.
We honestly don't know how they do it on Iron Chef. We don't even know where you can purchase aged, fermented shark fin, and we've never had it in our possession. We give props to the people who take this veritable cornucopia and manage to decide on, let alone make, several dishes in under an hour.
The Home-Court Kitchen Advantage
You've probably heard of the home-court advantage. When you're dealing with something like a basketball court, the advantage is mostly psychological; after all, one court isn't physically much different from another. Sports wouldn't be sports if the players didn't have a basic idea of what to expect on the playing field.
With kitchens, the number of possible layouts is pretty much endless. Each additional appliance adds another layer of complexity, and as mentioned above, there are plenty of appliances to go around. Of course, the Iron Chefs get to train on this course. The challengers, on the other hand, are coming there without a lot of prior information. Throw flaming pans and liquid nitrogen into the mix, and it makes us wonder why this doesn't become the new American National Pastime.
Feedback From the Stands
So above, we compared cooking to playing basketball, but in the real world, there aren't hordes of people lining up to heckle chefs in the kitchen while they're cooking. Chefs are definitely under a lot of pressure when they're working in a restaurant, but they're judged on their cooking skills, not their performances; they don't often have an audience watching them as they work.
Iron Chef takes an activity that people do regularly do in private or in front of a select few people and puts it on display. It's like turning an activity that you think you're pretty good when you're on your own, such as cutting your nails or brushing your teeth, and then turning it into a spectator sport.
Cooking With Wacky Food
How many recipes do you know that involve arctic char? Gruyere cheese? Sea urchin? Probably not a whole lot.
If you do, however, then you'd probably be a great candidate for Iron Chef. We're not certain if the chefs on this show really have all of these weird-ingredient recipes stored in their heads, or if they just make things up as they go along. Either way, it boggles our mind that people can take a crazy type of food that regular people have never even heard of, let alone cooked with, and turn it into several five-star dishes. Sure, there's a possibility that they get a hint of the secret ingredient beforehand, but we're still amazed by this superhero-like capability.
Doing Ten Things At Once
We know that if we tried to make even one of the recipes featured on Iron Chef, we'd end up with a gruesome, bubbling mess even after working at it for hours on end. So how do these amazing cooks manage to cook not one, not two, not three, but four or more amazing dishes in the time it takes regular people to bumble through one?
The secret is not, unfortunately, a plethora of hands, although that would be awesome to watch and would make the show automatically rocket to the tops of all the ratings charts. But these challenger chefs do have an amazing ability to multitask. They need to think about what their helper-minion-chefs are doing and cooking, keep their pots from boiling over on the stove, and make sure that the freezer has enough time to make pig stomach ice cubes, all while chopping celeriac with a ridiculously sharp knife. If that isn't talent, we don't know what is.
The Weirdest Judges on Earth
Apparently, when it comes to judging ridiculous types of recipes invented on the spot that often involve such weird elements as flavored smoke, fish ice cream, and steak rubs made of limestone and crushed insects, there's really no normal way to go about deciding who is better.
The normal way to judge things is to give points and, if you think that the person being judged is on the right track, say something like "do better next time." In the case of Iron Chef, though, you can't have anything as normal as that. The judges have to be ready for anything, and then they need to express their readiness with phrases such as "the putrescence of this foam cake melted the joy off my face" or "I think that you used plastic wrap in the making of this recipe." The points are really more of an afterthought.
So we admit, it's not a whole lot different from shows like American Idol. But it does definitely bring a quizzical smile to our faces. Emma Larkins is a freelance writer. To learn more about her work, follow her on Twitter or check out her blog. Written by Emma Larkins – Copyrighted © www.weirdworm.com
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The Mary Higgins Clark Award-winning author returns with BLM agent Jamaica Wild.
In the midst of tracking a wounded mountain lion, Jamaica is forced to seek refuge in an old abandoned Indian School when a snowstorm hits. Exploring, Jamaica discovers the desecrated body of an elderly Anglo woman, frozen on the floor. After the storm, the FBI takes over the murder investigation, but Jamaica remains haunted by the frozen woman. As the dead of winter settles, arctic… (mehr)
Verlag: Berkley ( 3. März 2009)
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Dateigröße: 297 KB
Schutz: DRM
Sprache: Englisch


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It is time to delay the health insurance sign-up under the Affordable Care Act until the multitude of computer glitches that have frustrated millions of Americans can be worked out, Sen. Rob Portman said in Cincinnati Thursday.
"I support repeal of the whole thing and replacing it with something that is better, but I do think that a delay is appropriate now,'' the Republican senator from Terrace Park told reporters Thursday morning.
The glitches in the government's computer system that have been causing frustration for millions of Americans trying to sign up for health insurance under the Affordable Care Act are being worked out, Health and Human Services Secretary Kathleen Sebelius said in Cincinnati Wednesday.
"I will be the first to tell you that the web site launch was rockier than we wanted it to be,'' Sebelius, a Cincinnati native said at a forum on the Affordable Health Care Act – also known as Obamacare –at Cincinnati State Technical and Community College Wednesday.
There are quite a few Ohio ties on this first day of the Democratic National Convention from the Health and Human Services secretary to a Cincinnati firefighter who spoke out against Ohio Senate Bill 5. WVXU's Howard Wilkinson chats with Mark Heyne:


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Like a science -fiction movie scene in a futuristic city, expect this fall to see groups of people effortlessly gliding through Old Town Scottsdale.
They won't be riding in hover cars as in "Star Wars," nor will they be wearing jet packs as in "The Jetsons."
These downtown travelers will instead ride at top speeds of 12.5 mph on computerguided, two-wheel, electric Segway scooters.
"It was a misconception that it was a futuristic device that exists in sci-fi movies. People have started to realize that it is a useful everyday tool," said Monica Zsamboky.
Zsamboky and her husband, Gabor, both of Scottsdale, are launching the city's first Segway tours starting this fall.
The device uses microprocessors and sensors to balance itself and move in response to physical movements of its operator, according to the New Hampshire-based company's Web site.
Monica Zsamboky said she and her husband came up with the tour idea based on their observation of the downtown area's geography.
The distance from the farthest point in Old Town Scottsdale to Scottsdale Fashion Square mall is roughly a few miles, a span which she summed up as "too little for the car" and too far for some people to walk.
The couple is also in negotiations with the manufacturer to start a dealership here.
The unit, which sells on the average for just under $5,000, "gives you the freedom of not having to carry all this metal around," Zsamboky said, referring to cars.
The city's downtown liaison supports the Scottsdale couple's plans.
"It's cutting-edge technology and it does appeal to people," said John Little Jr., executive director of The Downtown Group.
Little said the planned scooter tours, in addition to being good for the environmentally friendly, provide another connection to the downtown area for residents and visitors.
Scottsdale residents Frank Gray and his wife, Maja, have been using the electric scooters since 2001.
Gray, Scottsdale's planning general manager, estimated he saves about $5 per week on gasoline by using his scooter for his daily commute.


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Neighbor remembers hearing baby Levon crying in late May
UTICA, N.Y. (WKTV) - Neighbors on Jay Street in Utica recall loud nights full of music and drinking that often ended with the cops being called. The man who lives in the apartment below Jevon Wameling's on Jay Street says he distinctly remembers hearing 9-month-old Levon crying back on either May 28th or May 29th. Neighbors say Jevon lives a typical night life, coming home at 2 or 3 in the morning, often under the influence of alcohol. The neighbor, who did not give his name, says there were often complaints about the loud music coming from his apartment. He says that behavior all suddenly stopped two weeks ago, which he found odd. Neighbors says the cops were called to Jevon's apartment once a week because of screaming fights inside the apartment. The neighbor says those fights ended back on April 10th when his girlfriend moved out. One neighbor is very concerned about the welfare of Levon and says he can't think of a good reason to wait so long to report the child missing.


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In the first race since Casey Stoner announced his retirement, things turned bad for the Australian rider, as Yamaha's Jorge Lorenzo won the Le Mans Grand Prix and took over the points lead from the retiring rider, according to Cycle News.
Jorge Lorenzo Triumphs In Rain, Valentino Rossi Has Best Finish In Years
AMA Members Enjoy Special Savings At Sam's Club With New Member Benefit
The American Motorcyclist Association is pleased to announce the addition of a new benefit for members of the country's premier motorcyclist organization: a free gift card with the purchase of a Sam's Club Membership. The new program gives AMA members who join or renew their Sam's Club membership a $10 gift card for an Advantage […]
Jeremy McGrath Seeks Bone Marrow Donor For Wife
2012 AMA Motocross Hangtown Results
James Stewart Dominates Hangtown MX Opener Yoshimura Suzuki's James Stewart raced his RM-Z450 to victory in both 450 motos to take the overall win in round one of the AMA Motocross Championship at Hangtown in Sacramento, California at the weekend. In his inaugural race on the Yoshimura Suzuki RM-Z450 – and returning to the series […]