text:
by Patrick Robertson
Language: English
Publisher:Thomas Nelson Publishers
Mardel Price $14.99
Ship To:
Learn the best methods for winning people to Christ with the help of CityTeam Ministries. In a follow up to their book" Miraculous Movements," the missionaries of CityTeam share more insights into how best to share God's love around the world. The authors take you beyond their work in Africa to California to show how the biblical principles used by the early church in the Book of Acts can work for us today.
This book highlights the key scriptural principles that help Christians use faith-based discipleship to reach out in love in their own communities. The authors outline the principle of service to others that open doors of opportunity to the work of the gospel.
Features include


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Norsen Nonwoven Products (Guangzhou) Co., Ltd.
|Business Type:
|Manufacturer, Trading Company
|Main Products:
|Guangdong, China (Mainland)
|Year Established:
|Year start exporting:
|Number Of Employees:
|51 - 100 People
|Total Revenue:
|Main Markets:
|Product Certifications:
|Average Lead Time:
|25 Day(s)
Set up in 2004, Norsen Nonwoven Products (Guangzhou) Co., Ltd. is an integrated company with manufacturing and marketing nonwoven fa...
Set up in 2004, Norsen Nonwoven Products (Guangzhou) Co., Ltd. is an integrated company with manufacturing and marketing nonwoven fabrics and converted products. Our company is located in Baiyun District, Guangzhou City, China. Our products are widely used in different fields of daily life, such as:
Beauty & cleaning products, like facial masks, makeup removers, wet tissues.
Household cleaning products, like kitchen wipes, automatic cleaning oil wipes.
Medical & hygiene products, like: substrates for sanitary napkin, diapers and panty liners, disposable bed sheets.
Hotel & travel products, like sterilizing wet tissues, disposable underwear, sauna suits, disposable table cloths.
Norsen especially focuses on investigation, exploration and application in the beauty and daily chemical industry. Our company is the one of the best OEM pioneers in this field and is an appointed OEM supplier for several famous companies at home and abroad. So far, we have set up good relationships with overseas customers in Japan, Europe, Korea and Australia.
Our company has made great progress by the good quality and pursued steady development. We insist on the principle of customers' satisfaction and we ensure the quality of products with our exquisite technology. Our company has won affirmation and a high reputation from users with our dealing concepts of "customer priority, and quality first". We warmly welcome domestic and overseas customers and traders to do business with us.
A Supplier Assessment Report provides verified information about a company's production and trade capabilities. This includes factors such as company legal status, human resources, export records, production capacity, quality assurance, customer service, production process management, R&D, certifications and more. View sample.
Company Capability
Trade Capacity
North America : 15.00%
Southeast Asia : 13.00%
Production Capacity
Factory Size : 5,000-10,000 square meters
No. of Production Lines : Above 10
R&D Capacity
No. of R&D Staff : 5 - 10 People
Email to this supplier

subset: commoncrawl


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How has modern education changed teaching?
When you think of K–12 teaching, if you visualize a teacher standing in front of a class presenting lessons while students sit quietly at their desks, think again, says Kimberly Smerkers-Bass, campus college chair for the College of Education and an instructor in the teaching program at the University of Phoenix® Northern Nevada Campus.
Because of ongoing reforms to the public education system, such as Common Core State Standards and new teacher-evaluation methods, "the field of teaching looks very different than it did five years ago and requires a different mindset in order to be successful," explains Smerkers-Bass, who holds a doctorate in education.
Here's what she says you need to do to be successful in teaching today:
Figure out how to reach each student.
Most teachers are now evaluated based on their students' achievement data. "If you're teaching in one of the 40 states [or Washington, D.C.] that has adopted 'teaching accountability' requirements, you will be rated annually based on how much each student in your classroom improves over the course of the year," Smerkers-Bass says.
These new evaluations put pressure on teachers to ensure that their students perform well, and force teachers to be creative to engage all students in the classroom.
"Where teachers used to teach to the middle skill level of the class, now they have to find new ways to reach children at all ends of the learning spectrum," notes Smerkers-Bass, a former elementary school principal.
Methods include breaking the class into small learning groups and encouraging students to work collaboratively, or having some kids watch video instruction while more advanced students help their schoolmates grasp difficult concepts.
Learn to be a facilitator.
Classrooms are more interactive now, with kids doing a lot more of the talking. "Teachers have become more like facilitators in the classroom, encouraging discussion and learning," Smerkers-Bass says. Students are responsible for more presenting and sharing of ideas.
"Teacher talk [can be] cut in half from what it used to be because there isn't as much emphasis on delivering a single lesson to the entire class," she explains.
In this new environment, she adds, "teachers have to constantly assess which students know the material and which students don't. If [teachers are] doing a lot of lecturing, they won't know which kids are ready to move on" and which ones might need extra help or time to absorb the material.
Collaborate with other teachers.
In the past, it was common for teachers to meet within their grade levels to discuss basics, such as field trips and special projects. Now, teachers regularly collaborate on teaching styles and ways to engage students.
For instance, Smerkers-Bass says, instead of just having your one classroom of kids, you share lesson plans with other teachers, visit each other's classrooms, help determine ways to work with hard-to-reach students and solve difficult problems together.
Keep current on legislative and educational news.
Because of continuous changes in the education field, it's important for teachers to keep abreast of professional and legal developments that may affect them.
For example, in Illinois, public schools with preschool programs must offer bilingual education to children ages 3 and 4 if they don't speak English. The law also requires teachers to be certified to teach bilingual classes or English as a second language.
Knowing what lawmakers have approved, Smerkers-Bass says, can help new teachers or even seasoned professionals living in the state determine whether they need to broaden their skills to expand their career opportunities.


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How Market Research Almost Destroyed the Most Popular Shows in TV History
I'm late to the Maclolm Gladwell parade. I read his stuff in the New Yorker but didn't check out any of his books until I had to read "Outliers" for work—I interviewed M&A lawyer Joseph Flom, who is the subject of that book's fifth chapter, "The Three Lessons of Joe Flom"—and was particularly impressed, not only with the Flom chapter, but with the first chapter, in which Gladwell dissects the success of youth hockey players in Canada and the puzzle over the preponderence of early-month birthdates among them. Lots of January, February and March babies playing in the NHL. Why? January 1 is the cut-off date for youth hockey, so at an early age a January 1st kid will be competing against a December 31st kid and have a year advantage in growth and coordination. That January kid will play in more tournaments, and get more coaching and practice, and what began as an accident of birth will become a self-fulfilling prophecy: He'll be better. We're never the meritocracies we think we are.
"Blink" isn't quite as good but I did enjoy the chapter, "Kenna's Dilemma," for its confirmation of my own thoughts on audience test scores. Two years ago, when this blog was a baby, I wrote how "The Office" (both versions) got some of the lowest audience test scores in their respective networks' histories, as did "Seinfeld." I asked:
If you don't recognize Seinfeld and The Office and The Office for what they are, or what they might be, what good are you? How many other Seinfelds are you turning into something ordinary and short-lived? How many millions are the money-people blowing?
Thanks to Gladwell, here are a few more names to add to the list:
In the late 1960s, the screenwriter Norman Ler produced a television sitcom pilot for a show called All in the Family. ... All in the Family scored in the low 40s [out of 100, in market research]. ABC said no. Lear took the show to CBS. They ran it through their own market research program... The results were unimpressive. The recommendation of the research department was that Archie Bunker be rewritten as a soft-spoken and nurturing father. CBS didn't even bother promoting All in the Family before its first season. What was the point? The only reason it made it to the air at all was that the president of the company, Robert Wood, and the head of programming, Fred Silverman, happened to like it...
That same year, CBS was also considering a new comedy show starring Mary Tyler Moore. ... The [market research] results were devastating. Mary was a "loser." Her neighbor Rhoda Morgenstern was "too abrasive"...
"Archie Bunker [should] be rewritten as a soft-spoken and nurturing father." That's one of my new favorites.
In case the lesson isn't obvious, Gladwell drives it home:
The problem with market research is that often it is simply too blunt an instrument to pick up this distinction between the bad and the merely different.
I wrote much the same a year ago January, regarding a Tad Friend New Yorker piece about audience testing, in which it was mentioned that "Pulp Fiction" received some of the lowest test scores in its studio's history and "Akeelah and the Bee" received some of the highest.
"Pulp Fiction," "All in the Family," "The Mary Tyler Moore Show," "Seinfeld," "The Office," "The Office."
Tags: Market Research, Seinfeld, All In the FamilyPosted at 09:00 AM on Sun. Jun 27, 2010 in category Market Research
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Kraftidioten: In Order of Disappearance
Captain America: The Winter Soldier
Whitey: United States of America v. James J. Bulger
The 100-Year-Old Man Who Climbed Out the Window and Disappeared
Gore Vidal: The United States of Amnesia
Dawn of the Planet of the Apes
A Million Ways to Die in the West
Transformers: Age of Extinction
The Hunger Games: Mockingjay, Part 1
The Strange Color of Your Body's Tears
Did Jeffrey Toobin Let Ted Cruz Lie About Prop 8?
Why Breitbart's Big Hollywood Is Wrong About Almost Everything
Rank the Academy Award's Best Pictures: 1927-2013


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Update: Offers for the Starwood Amex cards have changed. Visit these links to see the current offers for the Starwood business and personal cards.
Last Tuesday I applied for both the personal and business versions of the Starwood American Express card since they are running 30,000 point sign-up promotions on both cards, which is 20% more than what they usually offer. I immediately got approved for the personal card, though my business application (which I had submitted second) was automatically flagged as a duplicate application and put into a 4-day holding queue. I was told there was nothing they could do to expedite and to call after about a week if I hadn't heard anything further.
Well the good news is that 6 days later I got an approval email from American Express letting me know that the card was on its way. This is great because I don't really like calling credit card companies, which is what I have to do more and more these days since I have an impressive lineup of current cards and sometimes they need a little nudging to approve me for new cards (some of which I'll be canceling soon, so stay tuned!).
Anyway, the bad news is that Amex pulled my credit again when processing the business application. In Florida American Express and Chase use Experian, so I paid $14.95 for access to my report and score for the month so I could monitor and track if I actually got two inquiries (you can get a free annual credit report here).
Sadly two inquiries showed up on my report, though it's not really the end of the world- clearly American Express wasn't concerned that I had gotten another Amex, Chase and Citi card just 6 days prior. Still, it's roughly a 2 point temporary ding on my credit that I'd rather not have, but considering I'm getting 30,000 Starpoints that I conservatively value at $600 and 5 nights towards elite status- and the annual fee waived for the first year I feel like I'm coming out on top.
So there you have it- unlike Citi and Chase, Amex does pull your credit twice when applying for both a personal and business card. Please comment if your experience has been different.
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
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A Trojan that pulls a sly performance of now-you-see-me-now-you-don't disguises itself on an infected system as the Adobe Updater, a real program that's installed alongside such mainstay applications as the Adobe Reader. This method of hiding in plain sight means the downloader, Trojan-Downloader-Karagany, may remain active on an infected system for an extended period of time, reinfecting PCs even after the more obvious payloads have been cleared up. During the initial infection, subtlety is this Karagany's strong suit. When executed, it pulls an act I find slightly more interesting than the conventional file copies itself from one place to another, […]
Posts Tagged: security tool
Blackhat SEO of Google Images Links to Rogue AV
Yesterday, a few of the Threat Research folks and I had a little fun playing with a hack that had, for one day at least, pretty much decimated Google's Image Search feature. One researcher, who stumbled into the attack purely by chance, found that a Google Images link to a map of the United States was, instead, redirecting hapless Web surfers to pages that deliver an installer of a rogue antivirus in the Security Tool family of fine, fraudulent products. What really caught our interest was how the hack behaved, depending on the operating system and browser you used. With […]
'30 Rock' Phrase 'Circulus et Pruna' Draws Fakealerts
Every search result on the first page (and most of the second page) of results for "circulus et pruna" leads to a Fakealert trap.
British Music Awards Draws Web Scams
Music fans may already be aware that next Tuesday the British music industry will honor the top acts of the year at a ceremony known simply as The BRITs. What they may not know is that common Internet criminals have begun to target people searching for information about the artists and the music connected with the awards for attack. This will be the 30th ceremony held in the 33 year history of the awards. As in previous years, the BRIT Trust (a charity run by BPI, the UK's recording industry trade association) will donate profits from the ceremony, including the […]
Fakealerts Invade Google Image Search Results for '24′ Star


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Cooking With Kids: 14 Breakfast Recipes
Do you have trouble getting the kids to sit down for a healthy breakfast? They may be more likely to eat if they help prepare the meal. Get your kids involved in the breakfast-making process with these easy morning recipes.
Looking for evening recipes? Try these healthy dinners for kids.
Bagel Gone Bananas
Talk about a grab-and-go breakfast: This bagel topped with nut butter and banana slices is ready in just five minutes and easy to eat on the run.
Recipe: Bagel Gone Bananas
Ken Burris


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Law Offices Of Todd M. Garber Announces Class Action Lawsuit Against Accretive Health, Inc.
The Law Offices of Todd M. Garber announces that a class action lawsuit has been filed in the United States District Court for the Northern District of Illinois on behalf of a class (the "Class") comprising all purchasers of the securities of Accretive Health, Inc. ("Accretive" or the "Company") (NYSE:AH) between May 20, 2010 and February 26, 2013, inclusive (the "Class Period"). Accretive provides revenue cycle management services for hospitals and healthcare providers in the United States.
The Complaint alleges that during the Class Period defendants knew but misrepresented or failed to disclose to the investing public that: (1) the Company had improperly recognized revenue under certain managed service contracts; (2) the Company's financial statements were not prepared in accordance with Generally Accepted Accounting Principles; (3) the Company lacked adequate internal and financial controls; and (4) as a result of the foregoing, the Company's financial statements were materially false and misleading at all relevant times.
On February 26, 2013 Accretive announced that it will postpone the release of the Company's financial results for the fourth quarter and full year 2012 because it is evaluating the timing of revenue recognition for its revenue cycle management agreements. Additionally, Accretive withdrew its financial guidance previously provided on November 7, 2012. On this news, shares of Accretive declined almost 20%.
If you are a member of the above-described Class, you may move the Court no later than July 19, 2013 to serve as lead plaintiff; however, you must meet certain legal requirements. To be a member of the Class you need not take any action at this time, or you may retain counsel of your choice. If you have information or would like to learn more about these claims, or if you purchased Accretive shares prior to the Class Period and have any questions concerning this announcement or your rights or interests with respect to these matters, please contact Todd M. Garber, Esquire, of the Law Offices of Todd M. Garber, by telephone at 213-700-7262 or by email to email@example.com press release may be considered Attorney Advertising in some jurisdictions under the applicable law and ethical rules.
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Reviewed by: LilianasMom
(Read all my reviews)
Title: Good!
Date: May 25, 2013
Hat made really good and I was expecting less quality for the price but I couldn't have found a hat anywhere for this price and made this well. Perfect fit for a 3 yr old
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Reviewed by: karaskbm
Location: oklahoma
Title: Perfect
Date: Apr 30, 2013
This was a perfect addition to my daughters pink cowgirl bday party
Reviewed by: Judabark
Location: Maryland
Title: Very Satisfied
Date: Feb 28, 2013
This hat was a very pleasant surprise. For $3 I wasn't expecting much, but the quality is excellent. It seems to be very durable. More importantly, my daughter was ecstatic when she saw it! You'd have thought I bought her a horse! Definitely a good purchase to go with the Pink Cowgirl theme.
Reviewed by: Elena12
Title: Great Quality
Date: Nov 27, 2012
All I have to say is that my girl Loves it, and can't wait to wear it at her Birthday Party.
Reviewed by: wingfieldforever
Location: Shiloh, IL
Title: Great little cowgirl hat
Date: Sep 10, 2012
I needed a "girls" cowboy hat and didnt want to spend a fortune, this one was perfect! trimmed in pink and very inexpensive :)
Reviewed by: scarletmom
Location: Edwards, co
Title: Cowgirl party on the way
Date: Aug 10, 2012
I was looking for a good price point and a cute hat:)
We will see now if all the girls do like it. I have customize the birthday girl one.
Reviewed by: Jazzybp
Location: SC
Title: Great Cowboy Hat!
Date: May 04, 2012
I bought this hat along with the cowgirl shirt and all cowgirl birthday theme for my daughters 4th birthday. The party was a hit and the hat just made her outfit. She turned 4yrs old andthe hat fit her head great! Hat was not cheap like i thought it would have been, it was really sturdy!
Reviewed by: Nickel33
Location: West Monroe, LA
Title: Cowgirl Party Stuff
Date: Nov 01, 2011
"This product is so cute; my daughter just loved it. If your little one is into horses it is the cutest I've found so far." My little girl wore this hat with the birthday shirt to her party and it was so cute.
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The official teaser trailer and a special webtoon episode for the upcoming drama Gabdong (Memories Of Murder) have been released by Asia's No.1 Contents Company CJ E&M.
Gabdong is a 20-episode mystery thriller about a series of murders which occurred over 20 years ago in a virtual city. Detective Ha Moo Yeom (Yoon Sang Hyun), whose father was falsely accused as the serial murder suspect Gabdong, chases after the true murderer among various people of suspicious backgrounds.
Starring Lee Joon from MBLAQ as a psychopathic barista, Kim Min Jung as a reserved psychiatrist, Sung Dong Il and Yoon Sang Hyun as detectives, and Kim Ji Won as a webtoon artist, they wonder whether Gabdong is still alive after all these years.
For its part, the teaser trailer will provide special clues to unraveling the mystery with the depictions by five witnesses who have different stories related to the murders.
Gabdong will air on tvN every Friday and Saturday at 8:50PM (KST) starting April 11.
Watch: Quick thinking by his opponent saves life of Dynamo Kiev captain Oleh Gusev after swallowing tongue
tvN's New K-Drama "A Witch's Love" Releases Teaser Trailer


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On Oct 3, 12:25 pm, Bryan <bryangsimm...@gmail.com> wrote:
> I had chicken soup with homemade egg noodles left over from dinner
> last night. Today I added chopped red onion, a significant pinch of
> rubbed sage and some extra black pepper, then boiled it for about
> 10-12 minutes. Reminiscent of turkey dressing. The egg noodles--made
> with unbleached flour, whole egg and a little baking powder--were
> almost al dente last night, but today they were softer and really
> nice. I'm lucky I only had one bowl left or I would have gotten
> myself stuffed. Anyone else add baking powder to egg noodles?
Flour, salt, eggs, tiny bit of oil, water. Nope, no baking powder
comes to hand. Does it improve them, do you think? -aem


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Coca-Cola Bag-In-Box Fountain Syrup (5 gal.)
by Coca-Cola | Item #: 603087 | Model #: 04250010 |
We're sorry, this item is not available in your selected Club. Check another Club
Coca Cola Soda Syrup offers its syrup in a 5 gallon bag-in-box.
The syrup works well with soda dispensers. It is a 5-to-1 concentrate, and will make 30 gallons, or 320 (12 oz.) finished drinks.
In order to receive the correct BIB valve for Coke products, please call their national service line at 1-800-241-2653. This item will be shipped directly from their parts warehouse for Sam's Members. Part # 14215, Part Description Connector BiB Red.
- Fresh soda on demand
- Stop having to carry home cans and bottles
- Only dispense the amount you want to drink, no waste
- Save money
- 5-to-1 concentrate
- Makes 30 gallons or 320 (12 oz.) finished drinks
Assembled Country
Component Country
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Shipping InformationShipping Included
This product does not ship to AK, HI or PR.
Warranty InformationThis product is covered by the SAM'S CLUB Member Satisfaction Guarantee. Sam's Club guarantees timely delivery of fresh food. If, for any reason, you are not completely satisfied with the product freshness delivered, please notify us within 48 hours to request a possible refund.
There is no additional information available for this item.


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Stories Tagged "North Carolina"
An 18-year-old crewmember of the Crystal Dawn was reported to be having trouble breathing, and was medevaced by the Coast Guard. full story »
Jun 21
The first woman elected to North Carolina's highest political office says she wants to focus her last year in office on restoring funding for public education. full story »
Jan 26
Public meetings on the proposed increasing or adding of tolls on five North Carolina ferry routes begin Wednesday at the Ocracoke School. full story »
Jan 17
NC 20 is hosting a meeting Wednesday with the state insurance commissioner to discuss wind and hail policy rates in coastal counties. full story »
Jan 16
Public meetings on proposed toll changes on the state's ferry routes start Wednesday, and a fifth has been added to the schedule in February. full story »
Jan 13
The Outer Banks History Center is seeking letters, diaries, photographs and artifacts of Civil War-era ancestors, especially those on Roanoke Island in the early 1860's, for an exhibit to open in March, as part of the commemoration of the 150th anniversary of the Civil War.
Jan 11
Greensboro businessman, farmer, and retired insurance executive Mike Causey announced Monday in Manteo his candidacy for the Republican nomination for state Insurance Commissioner. full story »
Jan 9
The G.O.P.-controlled House called lawmakers back to work early Thursday, but Democrats and the Governor say it was both "unconstitutional" and "unethical". full story »
Jan 5
North Carolina courts have once again struck down local impact fees designed to fund construction of schools and classrooms in areas facing rapid growth. full story »
Dec 1
N.C. Insurance Commissioner Wayne Goodwin sent a letter Friday to FEMA asking for an extension of the deadline for victims of Hurricane Irene to file flood claims. full story »
Nov 20
Efforts to guarantee money is set aside for FEMA disaster relief for the fiscal year that starts next month appear to be turning into a partisan fight on Capitol Hill. full story »
Sep 15


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Parcel maps show the boundaries of real property. The term plat map is often used interchangably. Each parcel has a large amount of information related to it, such as owner name, mailing address, sales data, and site address.
Parcel boundaries and related information are created and maintained by the Property Appraisers in each Florida county. The main purpose of parcel maps is tax assessment. The Property Appraisers assign a market value to each property once per year based on recent sales of similar properties. Property taxes for each parcel are then levied based on market value and millage rates defined by local governments.
MapWise provides parcel boundaries and tax roll records for all 67 counties in Florida. The advantage of using our services is to save time when researching property, especially across multiple counties. We provide a single unified interface to property information in Florida. In addition, we provide many different types of maps that you can review along with property boundaries such as FEMA flood zone maps, wetlands, aerial photography, elevation and more.
Use parcel information to:
Florida Maps Online is our web-based GIS map viewer. You can run it on the desktop as well as a tablet in the field. All major web browsers are supported.
Current Land Use
Recent Sales by Year
Measure Length and Area of Parcels
Site Address Labels
Building Year Built
Parcels over 9 acres Grouped by Owner Name
MapWise standardizes parcel tax roll data to match a common format. If you are viewing property records online, this saves you time by viewing information in a consistent format. If you are using GIS to work with the data, data standardization saves you an enormous amount of time spent trying to figure out and process the various database formats provided by the different property appraisers.
The schedule for updating parcel data varies by county. The certified tax rolls are made available in Nov/Dec of the current year. Updates to the certified tax rolls include owner name, mailing address, sales, and for some counties valuations. Parcel lines are updated semi-annually or annually, depending on the county.
Monthly Updates:
Alachua, Baker, Bay, Bradford, Charlotte, Citrus, Clay, Collier, Columbia, Desoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Leon, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Palm Beach, Pasco, Pinellas, Polk, Santa Rosa, Sarasota, Seminole, St Johns, St Lucie, Sumter, Suwannee, Wakulla, Walton and Volusia.
Bi-monthly Updates:
Brevard, Broward, Calhoun, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Liberty, Lafayette, Madison, Osceola, Putnam, Taylor, Union and Washington.


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Rod Library--Special Collections
Norman C. Stageberg Papers
Archives Record Series: 14/03/14
Norman C. Stageberg, (1905-1984). Papers, (1942-1980). 4 linear feet.
Norman Clifford Stageberg was born April 7, 1905, at Owatonna, Minnesota. He received a Bachelor of Science degree from the University of Minnesota in 1926, a Master of Arts degree from the University of Iowa in 1932, and a Ph.D. from the University of Wisconsin in 1946.
Before coming to UNI, Stageberg was a teacher at Valley Springs, Minnesota, from 1926-1929, and served as head of the English department at Faribault, Minnesota High School from 1929-1939. From 1942-1946 he served in the U.S. Army. He again served in the military from 1951-1953 with the Air Force as an instructor at Air University and the University of Alabama.
Norman Stageberg joined the UNI faculty in 1946 as Assistant Professor of English. He retired in 1972 with the rank of professor, which he achieved in 1960. He was a highly respected scholar with expertise in languagues, linguistics, ambiguity, and meaning.
Stageberg was most noted at UNI for creating a pioneering program in TEFL, Teaching of English as a Foreign language, in the 1960s.
Stageberg married first, in 1937, Alma, who died in 1975; then second, in 1975, Elaine McDavitt, a UNI faculty member, who died in 1979; and third, June Suzuki Talbott, a member of the UNI library staff.
Stageberg died on March 18, 1984. Under the terms of his will, he donated his professional linguistics collection to the UNI library. That collection remains intact in the Rod Library Special Collections division.
June Stageberg provided funds in Professor Stageberg's memory to furnish the Special Collections reading room. That gift was commemorated with a ceremony in Special Collections on April 18, 1997.
In the summer of 1997, June Stageberg donated this collection of papers to the Rod Library. The collection consists primarily of three categories of material: (1) material related to Professor Stageberg's textbooks; (2) material related to his classroom teaching; and (3) material relating to his continuing research interests in ambiguity and meaning. There is overlap among these three categories.
The current arrangement of these papers closely follows the rough subject arrangement in which Professor Stageberg kept his material.
Container Inventory
Box 1
Academic credentials, personnel file, and curriculum vitae; speech texts and notes; correspondence about textbooks; textbook permissions
Box 2
Notes for textbooks; structural ambiguity articles; structural ambiguity in writing; Stageberg publications
Box 3
Air Command and Staff School lectures; examinations; Communication 1 and 2 course packets; Grammar--class notes; English II class assignments including: Out of context, Change of wording, Synonyms, Omissions, Analogies, Fact-Opinion, Objective reports, and Emotive language; class worksheets and assignment sheets
Box 4
Abstract language and abstractions; Advanced Phonology; ambiguity--examples; analogy; Applied Linguistics; cause; classification; context; contrastive analysis
Box 5
Definitions; deskdictionaries; dialect maps and notes; Dutch-English; either-or; emotive words; generalization; generative grammar; Gleason--problems; grammar--clippings; idiocies (Iowa); intentional orientation; juncture--stress, pitch--clippings
Box 6
Language--clippings; logic--dilemmas, statistics; Malayan; meaning; meaning--multiple, shifted; metaphor; morphology; novel and short story; observation--inference; Old English; phonetics; phonetics--clippings; pidgin languages
Box 7
Problems in English grammar; propaganda; reification; semantics--clippings; sexism in language; slang; sonograms; sound symbolism; structurel ambiguity--Rus on Cummings; TEFL; television lecture--Shakespeare's sonnets; usage; vocabulary--clippings; Whorfian Hypothesis
Box 8
Notes on Ambiguity
Collection organized by Gerald Peterson, University Archivist, September 1997; finding aid created by Gerald Peterson and Susan Basye, December 1997.
Rod Library Special Collections and University Archives
University of Northern Iowa
Cedar Falls, Iowa 50613-3675
Telephone: (319)-273-6307
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Book your room at Apartamentos Sercotel Togumar
Standard Room, 1 Double or 2 Single BedsMax Occupancy: 2 guests (up to 1 child)
Superior CharmingMax Occupancy: 2 guests
Triple Room, 3 Single BedsMax Occupancy: 3 guests (up to 2 children)
Family Room (4 people)Max Occupancy: 4 guests (up to 3 children)
Double Room Single UseMax Occupancy: 1 guest
Family-friendly hotel with a rooftop terrace, in Madrid (Avenida America)
This family-friendly hotel is located in Madrid (Avenida America), close to National Auditorium of Music, ABC Serrano, and Alcala Norte. Also nearby are Golden Mile and Las Ventas.
Hotel Features
In addition to complimentary wireless Internet access, Apartamentos Sercotel Togumar provides a rooftop terrace, dry cleaning/laundry services, and laundry facilities.
Room Amenities
In addition to kitchens and air conditioning, guestrooms feature climate control along with safes and minibars.Information missing or incorrect? Tell us!
At your hotel
At your hotel
Apartamentos Sercotel Togumar features a rooftop terrace, laundry facilities, and dry cleaning/laundry services. High-speed wireless Internet access is complimentary. Parking is available onsite for a surcharge.
- Number of floors - 6
- Number of buildings/towers - 2
- 24-hour front desk
- Total number of rooms - 75
- Free Wi-Fi
- Dry cleaning/laundry service
- Rooftop terrace
- Luggage storage
- Elevator/lift
- Laundry facilities
- Self parking (surcharge)
- Breakfast available (surcharge)
Stay connected
Available in some public areas: Free Wi-Fi
Park your car
Self parking (surcharge)
In your room
- Rollaway/extra beds available
- Cribs/infant beds (complimentary)
- Air conditioning
- Minibar
- Kitchen
- Hair dryer
- In-room safe
- Television
- Complimentary newspaper
- Climate control
Eat and drink
Buffet breakfasts are available for a surcharge.
The fine print for Apartamentos Sercotel Togumar
When you arrive
Check-in time starts at 1 PM
When you leave
Check-out time is noon
How you can pay
Your pets
Pets allowed, Pet maximum weight in kg is 5
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Breakfast fee: EUR 5.90 per person (approximately)
- Self parking fee: EUR 20 per night (in/out privileges)
- Pet fee: EUR 20 per pet
- Rollaway bed fee: EUR 28 per night
We should mention
Cash transactions at this property cannot exceed EUR 2500, due to national regulations. For further details, please contact the property using information in the booking confirmation. A resort fee is included in the total price displayed.


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Sajjad, M. Siddique and Awan, M. A (1988) The Induction and Evaluation of Productive Semidwarf Mutants of Basmati-370. Pertanika, 11 (3). pp. 345-348.
Dry, uniform seeds of Basmati 370 with about 14% moisture content were exposed to 0, 15,20 and 25kR doses of gamma rays (60Co source). Twenty one semi-dwarf mutants were selected from 36,000 M2 plants originating from about 12,000 Ml plants. The breeding behaviour of these mutants was studied in M3 and consequently 6 mutants were selected. The comparative yield test of mutants with mother cultivar Basmati-370, established the high yield potential and semi-dwarf plant posture of mutant strains. The other plant attributes as well as physico-chemical traits of the mutants and parent cultivar are also presented.
|Item Type:
|Induction; evaluation; productive semidwarf mutants; Basmati-370
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|Deposited By:
|Nur Izyan Mohd Zaki
|Deposited On:
|17 Nov 2009 02:36
|Last Modified:
|27 May 2013 07:02
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Philadelphia Eagles v New York Giants
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David Wilson of the New York Giants carries the ball as DeMeco Ryans... News Photo 158819212American Football,Ball,Carrying,David Wilson,DeMeco Ryans,East Rutherford,Horizontal,Kurt Coleman,Metlife Stadium,NFL,New Jersey,New York Giants,Philadelphia Eagles,Sport,Stadium,Tackle,USA,Waist UpPhotographer ElsaCollection: Getty Images Sport 2012 Getty ImagesEAST RUTHERFORD, NJ - DECEMBER 30: David Wilson #22 of the New York Giants carries the ball as DeMeco Ryans #59 and Kurt Coleman #42 of the Philadelphia Eagles tackle at MetLife Stadium on December 30, 2012 in East Rutherford, New Jersey. The New York Giants defeated the Philadelphia Eagles 42-7. (Photo by Elsa/Getty Images)


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TA (Caltech students): Trevor David, tjd 'at' astro, x-4001, 259 Cahill
Office hours: TBD
Note: This website is for the Caltech students only. Coursera students should go to the Coursera class page
Class discussions times and location: WF 2:30 - 3:30 in 211 Cahill (unless noted otherwise)
Class summary, grading, collaboration policy, etc.
The syllabus (may evolve)
Homeworks and exams:


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Must-Have Hair Accessories for Fall
Looking for an affordable way to freshen your look for autumn? Here, 7 stylish accessories that will take your locks from drab to fab.
By Nicole Fisher
Keep It Cozy
When you're running errands on a chilly day, slip a knit wrap by Gimme Couture ($8, target.com) over your head to keep your hair in place and warm your ears. Dress it up with a silky blouse and skirt or down with a turtleneck and jeans.


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Enlargement of a labuntsovite group specimen from Jones Mill Quarry. The spray of crystals is about 0.2 mm and has been enlarged from the original image to show the degree of focus present. Image taken using a Zeiss electronic shutter on homemade photo stand.
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Locality Updated: Kamoyama mine, Ino, Kochi Prefecture, Shikoku Island, JapanFrom Alfredo Petrov, 20th Dec 2014 03:41:21


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Cloth Diapers and the Environment
The Diaper Debate according to Babyworks:
Quick - which is better for the environment?
A product which is made of a freshly cut down tree, which is then milled into paper, consuming lots of water and energy in the process, which then has chemical agents added to the paper to make it absorb moisture, and then has plastic added to the outside to make sure the water does not get past the wetness of the paper, which is then used for a few hours, then landfilled?
A product which is made of harvested cotton, designed to be used for many months or years, washed 2x per week in a washing machine, with non polluting detergent?
The answer is obvious, isn't it? But this is not the diapering debate as it is usually presented.
Since the "debate" according to the disposable manufacturers centers on laundering, we will explore that in detail below.
Towards a Real Diapering Debate
First, can anyone think of ANY other disposable product that markets itself as being the environmental equal of products you wash and reuse?
For instance:
You don't hear a "debate" created by the makers of plastic water bottles, trying to convince you that their product is environmentally equal to reusable water bottles, or to washing and reusing beverage glasses. In fact, they are currently under fire for the enormous amounts of waste they are creating.
I'm not aware of any ads from paper plate or plastic utensil manufacturers about the amount of energy used to wash dishes, and that because it's so much easier to use paper plates and throw them away after eating anyways, why not use them all the time, because after all it's a "draw"?
And takeout food places rarely proclaim, "It takes SO much energy to cook your dinner and then wash your dishes, that you can help the environment by eating takeout every day."
No, most makers of disposable items position themselves simply as convenience products that you use in a pinch, and then discard. For that is truthfully what they are. And most consumers partake of disposable products and takeout food occasionally.
If disposable diapers presented themselves THAT way, they would be far less appealing. It is more effective marketing-wise to create a debate, so that a consumer feels he or she is choosing among "environmentally equivalent" products, rather than to admit the fact that "we are making a convenient product that will wind up in the landfill after a single use.....to the collective tune of one ton of garbage produced per baby."
IN FACT - most manufacturers of consumer products tout their efforts to reduce waste as their main strategy towards environmental responsibility.
For decades, the slogan for environmentally responsible choices is the 3 R's:
"Reduce (consumption), reuse and recycle."
Let's create a new diapering debate in which we discuss whether cloth or disposable diapers best fit within THAT environmental context - as we do with every single other consumer product.
Because the central argument in the "diapering debate" as it is currently popularized seems to hinge on the water and energy it takes to wash cloth diapers, we should explore this topic in detail.
Doesn't washing cloth diapers use water and energy?
Of course it does. Just like doing other laundry. Just like washing dishes. Just like taking a shower. We will look into just how much water and energy each of these activities uses below, as well as into an important issue for consumers, the cost of doing laundry/washing cloth diapers.
If you try to gather information by looking up articles on the diaper debate on the internet, you'll generally find information such as this, found on WebMD, which says in it's article, "Solving Your Diaper Dilemma", simply that:
"Cloth diapers use up large amounts of electricity and water for washing and drying."
(While you might think that articles such as this are objective, if you read the fine print on the byline of this article, you will see that it is funded by Huggies.)
In pursuit of information about the environmental effects of washing diapers, you will find more useful information by researching "laundering", not "the diaper debate," articles which are written by people who do not have a horse in the race.
For instance, I found both of Michael "Mr. Electricity" Bluejay's websites to be very informative:
http://michaelbluejay.com/electricity/laundry.html (information about washing)
http://michaelbluejay.com/electricity/dryers.html (information about drying)
On these sites, you will find extensive breakdowns, charts and costs, on water and energy consumption used for washing and drying laundry, in all types of machines. (You will also find a wealth of cost and energy saving tips.)
You'll read that:
1) The average top loader uses 40 gallons of water per load. Front loaders use 40-75% less water and 35-80% less energy — just 10-24 gallons per load. (You'll never hear mention of front loaders or energy star top loaders in "the diaper debate" according to disposable manufacturers.)
2) You can save a lot of energy by using cold rinses when washing diapers. In fact, you can save about $75 per year if you have an electric water heater.
3) It costs about .39 per load to wash on hot, rinse on cold, in your typical top loader, with a gas water heater. About .50 per load, with an electric water heater.
4) It costs about .36 per load to to dry the laundry with an electric dryer, about .34 per load for a gas dryer.
(Of course, as Mr. Bluejay states, "Your actual cost will be different according to your actual local rates for electricity, water and perhaps gas." Nonetheless, they are a meaningful ballpark.)
With a top loader, it would cost about .80 per load to wash and dry your diapers with gas appliances, or about .89 per load with electric.
Washing diapers twice a week with a traditional top loader would thus cost an average of about $1.68; three times a week, $2.52.
Or, $87.36 per year washing diapers twice a week, $131.04 a year washing them three times per week.
Your costs would be less using a front loader, or if you hang your diapers to dry.
To complete your cost estimate, add in the cost of detergent or other additives you use to wash your diapers. These vary widely by size and brand purchased. Here are two scenarios:
Washing pocket diapers with Allens' detergent, which at $50 per gallon does 512 loads of pocket diapers, washing 3x per week, would be, at 156 loads per year, and about .09 a load, around $14/year. In part, this is so low because pocket diapers use 1/4th the amount of detergent as other types of diapers.
Washing prefolds with Biokleen Premium Plus Powdered Detergent, 5 lb. size, at $13-$15 and doing 54 loads, would be an average of .25 a load. At about 120 loads per year (washing every 3 days), about $25 a year.
If you use a two piece system, add in extra low, gentle, warm temperature cycles three times per week if you machine wash your diaper covers. (Covers can easily be hang dried to save energy costs.)
Washing covers: On warm, extra low gentle cycle, 3x per week: about .06 a load for gas, .08 a load for electric. At 156 loads per year, an average of: $10.92 per year.
So a very reasonable ballpark, including water, detergent, washing diaper covers, at 3x per week, could be around:
$157 per year to wash cloth diapers - maximum
Less, if you wash diapers 2x a week, use a high efficiency washer, or hang your diapers to dry.
So, how does washing cloth diapers compare to your other household activities in terms of water use? Does it really take "enormous" amounts of water and energy in comparison?
(Remember, some of these activities like showering and washing dishes are done by many households on a daily basis; washing diapers, 2 or 3 times per week.)
Cloth Diapers and Other Laundry: 15-50 gallons of water, depending on your machine, from the most to the least energy efficient.
Taking a Shower: Unrestricted, 5-10 gallons of water a minute, or 30-60 gallons of water for a 6 minute shower. (Using a showerhead water restricter can save 2.5-7.5 gallons per minute; closer to 15 gallons total).
Taking a Bath: 40-50 gallons of water.
Running the Dishwasher: About 20 gallons per load, conventional (though energy star appliances produced after August 2009 are under 10 gallons).
Hand Washing Dishes: 5 gallons without tap running, up to 30 gallons if you leave the tap running while you wash them.
Watering the Lawn: The King of Water Use: 140 gallons per hour.
Flushing the Toilet: Average of 3 gallons per flush; 24 gallons a day for 8 flushes. (Low flush toilets can get down to 1.5 gallons per day).
BY THE WAY - since you flush "flushable diapers",depending on whether you have a new, low flush toilet, or an older toilet, you might use anwhere from 84-280 gallons of water per week, if you flush them 8x a day. If you flush them 10x a day, you might use 105-350 gallons of water per week!
It actually appears that it could use MORE water to flush the flushable-disposable diapers than it is to wash cloth diapers.
To put these statistics into perspective for your own family, just multiply the times you do each of those activities per day over the course of a week to get the total number of gallons, and see if cloth diapers are the major culprit in water use. You can alter the figures based on whether or not you have energy efficient appliances.
Of course, be sure to use non polluting, environmentally friendly products for all of your cleaning and laundering needs.
Other Environmental Arguments Against Cloth Diapers
This is my favorite, found again on WebMD's Diaper Dilemma piece funded by Huggies (and other places as well):
"Commercial diaper service delivery trucks consume fuel and create air pollution."
Here's a perfect example of the spin put into the diaper debate.
An objective article would compare "fumes and fuel" generated by BOTH diapering systems.
Don't giant semi trucks delivering disposables to the local stores in most every city in the U.S. consume even more fuel and create even more pollution than once per week diaper service trucks driving in the very few cities they are still available? And what about the countless car trips made by millions parents of parents to the store to buy disposables?
And what about people who wash diapers at home? They generally make only a handful of trips to buy cloth diapers and supplies in comparison.
"Cotton Growers Uses Pesticides"
True, conventional cotton growing is a pesticide intensive crop, so this situation has enormous scope, considering all that is made of cotton.
But is the answer to this problem to single out and quit using cotton diapers, which make up an infinitesimal fraction of the cotton used overall? Or might it make more sense to make the growing of conventional cotton a kinder and gentler process, and to address this problem in the context of all cotton products. (Do you ever hear discussion of not wearing jeans or not using other cotton products because cotton growers use pesticides? Probably not, though you might hear discussion of sweatshop issues.)
If you are concerned, you can avoid this issue entirely by choosing organic cotton diapers, or diapers made with hemp (which is generally considered to be naturally organic, since it is a tough, pest resistant plant often grown in environments inhospitable to pests.) Or you can buy other non-cotton fabrics like bamboo or fleece.
(Viewer Warning - my opinions sneak in here)
- Every baby using disposable diapers will generate about one TON of waste filled paper and plastic diapers, destined for landfills. This includes both "conventional" and "natural" disposables. Multiply that by the millions of babies diapered in disposables.....and you have a LOT of garbage.
(My common sense tells me that generating this much garbage is less desirable than running the washing machine - I don't need an "expert" to figure this one out.)
- In homes where disposable diapers are used, the diapers can make up 50% of the family's weekly garbage. In fact, we could accurately call disposable diapers "wearable garbage", which would allow people to feel the truth of what they are.
- I find no indication that disposable diapers are made of recycled paper content; if not, they would be made of virgin wood pulp (e.g., by cutting down trees). We don't know whether they come from sustainably grown trees, from old growth forests, or what. My own value system tells me that cutting down trees to make disposable diapers is not the best use of trees (but then, I like trees - both their beauty and all they do for us, environmentally. I may not actually "hug" them but I certainly respect them and am in awe of them as God's creation). I would rather see a tree used to build a house for a family to live in than to make a throwaway diaper.
- Considering this, it is ironic that many makers of disposables (especially "natural" ones) feature beautiful trees and images of nature in their advertising materials. One sample disposable diaper we received even had a tree graphic watermarked on the rear end. Be aware of advertising images that link images of nature to products that destroy nature. It is truly a fascinating study in sophisticated marketing. It would be rather like a burger chain using images of a happy cow on its burger wrapper.
- I have yet to find data on the amount of water and energy used to turn a tree into a disposable diaper. I will continue to research this one (and see if the disposable diaper companies know.) Nor do I know the scope of the environmental effects of producing the chemicals used inside the diapers, nor of chlorine-bleaching them. And then there is the matter of the plastic added to the outside - not only its manufacture, but its pervasiveness in the environment.
- One thing you find with disposable diapers that you won't find with cloth is them being discarded in random places: on the beach, on the roadside, on the sidewalk, floating in the ocean or on a lake, even in the wilderness. (This is gross.)
1) We do not "judge" people who use disposables.
2) Our desire is that people be informed with the facts, so they are able to make an informed diapering decision, without the prevalent "spin." There is really not a debate. There is only a choice based on the facts.
3) I simply ask that the Diaper Debate fit into a broader context of all consumer products - reusable vs disposable. Is it better to have consumer products that are used once and then thrown away, generating large amounts of trash, or ones that can be washed and reused for long periods of time, which will use some water and energy in the process? It makes no sense that it is better to wash and reuse all products except diapers.


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Smallscreen News
30 Rock, Parks and Recreation, SVU, Up All Night and The Office rewind clips
By April MacIntyre Oct 4, 2012, 8:06 GMT
Will Arnett, Christina Applegate and Maya Rudolph - The Paley Center for Media Presents An Evening with "Up All Night" - Arrivals - The Paley Center for Media - Beverly Hills, CA, USA © David Gabber / PR Photos
NBC fired over a fun clip rewind for Thursday.
First up, we have a ton of Thursday night previews and interviews for you - 30 Rock, Parks and Recreation, Up All Night and The Office - then an Annies Boobs Tribute clip from Community!
And to close things out, dont miss the latest deleted from Law & Order: SVU!
THE OFFICE: Facebook: https://www.facebook.com/theofficenbc Twitter: https://twitter.com/theofficenbc Tumblr: http://theofficenbc.tumblr.com/ Pinterest: http://pinterest.com/nbctheoffice/
Wheres Jim Could big things be happening this Thursday on The Office? UP ALL NIGHT: Facebook: https://www.facebook.com/NBCUpAllNight Twitter: https://twitter.com/NBCUpAllNight Tumblr: http://upallnightnbc.tumblr.com/ Pinterest: http://pinterest.com/nbcupallnight/
"A" for Effort Chris decides to cast his inner fears aside and channels his inner-trapeze artist. Trapeze School Will Arnett and Christina Applegate talk about their experience filming for Trapeze School! Christina Applegate's Breast Cancer PSA Help Christina fight Breast Cancer at RightActionForWomen.org : PARKS AND RECREATION Facebook: https://www.facebook.com/parksandrecreation Twitter: https://twitter.com/parksandrecnbc Pinterest: http://pinterest.com/nbcparksandrec/ Tumblr: http://nbcparksandrec.tumblr.com/
Rons Dream Woman Ron and Diane really seem to be hitting it off! Lucy Lawless guest stars. Lucy Lawless Loves Parks! Lucy Lawless confesses her crush on Ron Swanson, and shares insider info on her character Diane. Nick Offerman on Lucy Lawless Nick talks about his experience working with "the baddest badass from the history of fantasy television." Chris Pratt on Lucy Lawless Chris Pratt sings the praises of Lucy Lawless, who plays Ron's new love interest! 30 ROCK Facebook: http://www.facebook.com/NBC30rock Twitter: http://twitter.com/nbc30rock, #30Rock Tumblr: http://30rocknbc.tumblr.com/ Pinterest: https://pinterest.com/nbc30rock/
Jack's Got a Plan Jack's secret plan comes to life Thursday night with the return of 30 Rock. COMMUNITY Facebook: https://www.facebook.com/nbccommunity Twitter: https://twitter.com/nbccommunity, #Community Annie's Boobs Tribute Don't miss the best moments from Troy's mischievous monkey! LAW & ORDER: SVU Facebook: https://www.facebook.com/lawandordersvu Twitter: https://twitter.com/nbcsvu Tumblr: http://nbcsvu.tumblr.com/ Pinterest: http://pinterest.com/lawandordersvu/ Free at Last, Free at Last Finally free from a three-year undercover stint, Cassidy unloads his frustration on Munch.
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Citigroup Misses Estimates by a Wide Margin (Update 2)
- Citigroup reports fourth-quarter earnings per share of 85 cents. Excluding one-time and non-core items, earnings came in at 82 cents per share.
- Revenue came in at $17.8 billion or $17.9 billion, excluding items.
- Analysts expected EPS of 95 cents on revenues of $18.18 billion.
- For 2013, the bank posted a profit of $13.9 billion on revenues of $76.4 billion.
Updated from 8:30 a.m. ET with management commentary and additional information throughout.
NEW YORK (TheStreet) -- Citigroup (C) finished the year with $13.8 billion in profits, its highest since 2006, but shares were down 3.6% in early trading to $53.02, as fourth-quarter earnings fell well short of expectations.
Net income for the fourth quarter came in at $2.7 billion or 85 cents a share on revenue of $17.8 billion. During the fourth quarter of 2012, the bank reported a profit of $1.2 billion or 38 cents a share on revenues of $17.9 billion.
The fourth-qarter results included a "CVA/DVA loss" of $164 million, or $100 million after tax. An accounting quirk requires banks to book a loss when the value of their bonds rises. The results also included a $189 after-million tax benefit from the sale of Citi's credit card business in Brazil. Results for the prior period included a $1 billion repositioning charge, or $653 million after-tax.Excluding these items, the bank reported earnings 82 cents a share, compared to an adjusted EPS of 69 cents a year earlier. While that represents a 19% year-over-year growth in earnings, the report missed consensus estimates. Analysts polled by Thomson Reuters on average estimated the bank would report EPS of 95 cents on revenue of $18.18 billio. Consensus estimates included litigation charges and repositioning charges but excluded the gain from credit card unit sale and CVA/DVA charges. "Although we didn't finish the year as strongly as we would have liked, we made substantial progress toward our key priorities in 2013," CEO Michael Corbat said in a statement. "Having grown our operating net income by 15% over 2012, we achieved our highest amount of net income since before the financial crisis. We accelerated our growth in capital and ended the fourth quarter with an estimated Basel III Tier 1 Common ratio of 10.5%, exceeding our target for the year. We also grew loans in our core businesses by 7%, utilized $2.4 billion of our deferred tax assets, and reduced the assets in Citi Holdings by 25% while cutting its annual loss in half. In addition, we improved our efficiency by executing on the repositioning actions announced at the end of 2012, reducing expenses and growing revenues."
Revenue at Citicorp, the company's core banking arm, fell 4% from the fourth-quarter, excluding CVA/DVA, led by a 5% decline in global consumer banking revenue and a 4% decline in securities and banking revenues. Global consumer banking revenue was weak due to "significantly lower refinancing activity and continued spread compression." Retail banking revenue in North America declined 35% due to lower mortgage banking fees. International consumer banking revenue grew 2% on a constant-dollar basis. In the securities and banking division, investment banking fees grew by a modest 3% year-over-year. Fixed income trading revenue -- the biggest driver of markets revenue -- was particularly weak, declining 15% year-over-year. The bank said the decline reflected a "challenging trading environment and the absence of the strong fourth quarter 2012 revenues of Citi Capital Advisors, which Citi continues to wind down." CFO John Gerspach said during a media conference call that the bank's credit and securitized products business saw a "fall off in client volumes."
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Paris Hilton threw herself a 30th birthday party Tuesday night with a French whorehouse theme, perhaps the worst possible choice for the Hilton hotel chain.
The hotel heiress held the Moulin-Rouge-inspired party in Los Angeles, and guests came dressed as some of the legendary locale's gaudy courtesans, the New York Post reports.
Paris Hilton wore a can-can dress with red bustier and fishnet stockings, and her sister wore fishnets, stilettos and a feather boa. Their parents also attended the party.
TV viewers will eventually get to see the party on TV, because according to the E! channel, it was filmed for Hilton's reality TV show on Oxygen.


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You've Never Seen a "Before" and "After" Picture Like This
Find out why this photo, rightfully, got 3 million Facebook likes.
By Anna Breslaw
In 2013, Taryn Brumfitt, an Aussie photographer and mom of three, hated her body. She was considering liposuction and breast implants when she suddenly realized that she could pass on her negative self-image to her daughters. "How am I ever going to teach Mikaela to love her body as it is if her Mummy can't do the same?" she wrote on her site Body Image Movement (via The Huffington Post).
RELATED: 9 Empowering Quotes From Plus-Size Models »
With her girls in mind, Brumfitt set out to change the self-hating dialogue that surrounds women's bodies, beginning in May 2013, with the idea of "before" and "after" weight loss shots. Rather than showcase a journey from plus-size to slimmer, Brumfitt chose a photo of herself in a bodybuilding competition as the "before" and a photo of herself after having given birth as the "after." The photo went viral, receiving 3 million Facebook likes.
Fortunately — and refreshingly — she's not alone, but is actually part of a bigger conversation about showcasing real women in a time when "post-baby bodies" are under a microscope and most major magazines' "before" and "after" weight-loss success stories end with perfectly toned abs. Brumfitt is now raising money for a documentary called Embrace, which will examine the origins and modern culture of female body loathing.
Watch a preview of Embrace:
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NEXT: "What I Miss About Being Fat" »
Photo Credit: Body Image Movement/Facebook
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Disease-Modifying Antirheumatic Drugs in Children With Juvenile Idiopathic Arthritis
Health Impact of Juvenile Idiopathic Arthritis
JIA is the most common rheumatic disease of childhood. Prevalence of the disease is estimated to be between 7 to 400 per 100,000 children.
As a chronic, disabling disease, JIA interferes with growth and development and causes psychological stress. Left unchecked, the course of disease results in irreversible joint damage and life-long disability. There is no cure for JIA.
Keywords: juvenile idiopathic arthritis | JIA | JRA | juvenile rheumatic arthritis | JCA | juvenile chronic arthritis | DMARDs | disease-modifying | antirheumatic | anti-rheumatic | rheumatic
- Helmick CG, Felson DT, Lawrence RC, et al. Estimates of the prevalence of arthritis and other rheumatic conditions in the United States. Part I. Arthritis Rheum 2008;58(1):15-25. PMID: 18163481.
- Kemper A, Coeytaux R, Sanders G, et al. Disease-Modifying Antirheumatic Drugs (DMARDs) in Children With Juvenile Idiopathic Arthritis (JIA). Comparative Effectiveness Review No. 28 (Prepared by the Duke Evidence-based Practice Center under Contract No. HHSA 290-2007-10066 -I). Rockville, MD: Agency for Healthcare Research and Quality; September 2011. AHRQ Publication No. 11-EHC039-EF. Available at www.effectivehealthcare.ahrq.gov/dmardsjia.cfm.
- Manners PJ, Bower C. Worldwide prevalence of juvenile arthritis why does it vary so much? J Rheumatol 2002;29(7):1520-30. PMID: 12136914.
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The union representing Kishwaukee College teachers says last night's failed contract negotiations have moved both sides closer to a strike.
Teachers in Dixon plan to strike Thursday. In an open letter to the community, the Dixon Education Association says unresolved issues include continued salary freezes and staffing shortages.
LATEST: October 12-The Prairie Grove 46 Board of Education announced that the Board and the Teachers' Association have reached an agreement after 7 and ½ hours of mediation. The sole remaining issue revolved around health insurance contributions.
The Chicago teachers strike is serving as a test for an education law approved by Illinois lawmakers last year. The statute included a provision that created additional barriers for teachers to walk off the job.
For the second day in a row, classes are canceled in the Rockford Public School district. Teachers remain on strike after Thursday's bargaining session failed to produce a contract agreement.


text: I have a 2002 GT and have never had a problem with my car until I the EGR pressure valve sensor Grenaded. I replaced it but now the car is running really slugish and act like it swallowed a valume. The vaccum lines are popping off as well. Anyone help please!!


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I am now beginning to see McCain/Palin buttons with "I Voted" stickers on them. It is bad enough to see them out in public but it is worse to see them on Christians in church like I saw recently. As bad as Obama is, it doesn't change the fact that the Republicans deserve to lose. But because the Democrats don't deserve to win, some Christians are considering voting for what they perceive to be the lesser of two evils.
So, because the Republicans deserve to lose and the Democrats don't deserve to win, I plan on doing my part in the upcoming election to make this happen. I will help McCain lose by not voting for him, and I will not help Obama to win by not voting for him.
And besides, even if Obama is the lesser of two evils, he is still evil. And, for the Christian at least, it is never right to do evil. Period.1:45 pm on November 2, 2008 Email Laurence M. Vance


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>Runner's World - My Event Ratings>
In short: A great way to spend a sunny Sunday morningIn full: Thank you to Dr Rob and all the Marshall's for making it a fun race, you even got the sun to shine this year!Great route and friendly fellow runners. Hardly any mud at all this year, but plenty of sand. See you all next year :-)Date of review: March 17, 2014
In short: A lot of fun!In full: A great course with plenty to keep you interested, hills, mud, water and a tree to climb over. Not to mention the great views and fab organisers and marshalls - Thank you allAnd a course PB for me :-)See you next year ....Date of review: February 3, 2014
In short: Fab race, interesting weatherIn full: Unfortunately I was one of the runners who took the wrong turn pretty early on in the race, so ran only about 4 miles. The weather was pretty tough, but a great spirit from all the runners and marshals. It was tough for the runner, but even tougher for the marshals - many thanks for your time chaps!A great race and I'm sure I'll be back for more next year - Thank you Dr RobDate of review: January 1, 2014
In short: Great local 10k raceIn full: I love this course, but then it is pretty close to my home. Great organisation from Dr Rob, helpers and the marshals who encouraged me around the course so that I came home with a 10k PB today :-)Thank you to everyone involved and all the fellow runners. See you next year, cheers!Date of review: September 22, 2013
In short: What a cracking moring out!In full: Wet, cold and brilliant fun!Big thank you to Dr Rob for another fab race. Also to all the marshals who stood out freezing their bits off for us - thank you!Great route in challenging conditions. After the cold deep puddles on the way down I lost feeling in my feet for about 5 minutes and my laces were frozen up when I got to the finish. Somehow though a course PB for me. :-) And all followed by a great cooked breakfast, perfect!I will be back next year Date of review: March 24, 2013
In short: A fun and rewarding morning outIn full: A challenging run through a varied route, both in terms of surface and gradient. Some of the puddles (close to the end) were the biggest I have ever seen on this route, no chance of keeping your legs / feet dry and the water was pretty chilly – great fun!Usual high standards of organisation from ETL and very cheery marshals standing out in the cold wind for a couple of hours – thank youBoth my children ran in the fun run and thoroughly enjoyed it too Date of review: February 4, 2013
In short: A great way to start 2013In full: This is a great race to start the year. It's a fun fancy dress plod, no one is going to get a 10k PB, it's you verses the course. And what a course, Dr Rob certainly knows where to find the mud and the climbs!A BIG thank you to Trionium and all the marshals for getting out of bed to make it all possible and a thank you to the princess (I think you were a Giraffe?) who stopped me from colliding with the runners coming back from the trig' point! Date of review: January 2, 2013
In short: A very enjoyable runIn full: A great course, slick organisation and maybe the most encouraging marshals I have ever experienced! Thank you to all of youDate of review: September 24, 2012
In short: Tough but enjoyable morning outIn full: A big thank you to the organisers and many marshalls for making this a good fun race. This was my second time and although I didn't match my previous time, I probably enjoyed the run more. I'll be watching out for this one again next year. Date of review: September 9, 2012
In short: Great race, lovely dayIn full: Thank you ETL for a fine race through the surrey countryside. A tough 10k, that rewards you with great views and very friendly marshals and competitors. A little warm for me, so very thankful for the extra water station! Date of review: May 27, 2012
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text: I had to return my MOTU audio interface to the friend I had borrowed it from and now really miss having one. I am a hobbyist and the FCA1616 seems like it would fit my needs perfect (I have had great luck with my other Behringer gear). However, I have been waiting for this bad boy to come out and it doesn't seem to be happening. Has team Behringer decided to focus on the X32 line and scratch the Firepower line? An update would be great. I plan on ordering it the day it is released but if it is going to be a year I will have to look elsewhere.


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Current Articles
By Russell Humphries
My trip to Illinois last year got off to a rough start.
A couple of weeks before my brother, Derek, and I left, I studied topo maps to get a feel for the property we'd be hunting - land that our outfitter had leased.
When we arrived, our host took us to the tract, and Derek and I spent two hours scouting and hanging stands for the afternoon hunt.
On our way back to the vehicle, we saw another truck barreling down the dirt road toward us. When it came to an abrupt stop, out jumped a little loud-mouthed guy from Pennsylvania, mad as a pit bull because we were on HIS property!
Turns out, he had bought the place the afternoon before we got there.
Duly and overly chastised, my brother and I went back and retrieved our stands. The outfitter wound up taking us to a place we'd never hunted, although I'd seen a dandy buck chasing a doe in the middle of the road about a half-mile from there the previous year.
Derek and I flipped a coin to determine which side of the road we'd hunt. He won and chose west, leaving me the eastern side, which had a good mix of hardwoods, soybeans and wide fingers extending deep into the fields. I gathered my stand, bow and walked down the edge of the field until I reached a finger separating two fields.
I noticed some large rubs and a scrape with a licking branch so high that I could barely reach it. I decided to go downwind from there to climb an oak on the hillside overlooking a creek in the finger.
Ten minutes later, two does rocketed past my tree at 10 yards, but nothing was in pursuit. With the occasional doe coming by during the next hour, it was kind of a slow afternoon.
About an hour and a half into the hunt, I saw a few does come into the soybean field to eat.
While I glassed the rest of the field, a huge buck slipped within their midst. As soon as I saw it, I dug out my cell phone and called Derek to tell him that a 140-inch 10-pointer was in the field behind me. I purposely underestimated so I wouldn't look dumb if it wasn't the giant I thought it was.
Since the does weren't responding to the buck's advances, I decided to do a little rattling.
As soon as I hit the rattle bag, the buck jerked up its head and glared in my direction. Next thing I knew, it was running full tilt straight for me. When it stopped at the edge of the woods, trying to locate the other bucks, I pulled out my grunt call to coax it closer.
It worked, and the buck soon was within 18 yards, though hidden behind a large oak. All I could see of that massive rack was the right side, which was impressive enough for me not to look anymore.
I laid my face on the string, and when the deer stepped in the clear, I let the arrow rip. Because of the sharp quartering angle, I aimed at its neck.
When I saw the buck run off, I knew it wasn't going far. I called my brother immediately to tell him that I'd just shot the biggest deer of my life at 12 yards.
He did not believe me until he got to see it. Even then, Derek's reaction was strained. He could not fully enjoy the moment with me because he had come down with a case of food poisoning from the chicken restaurant in town. I just wish that he could have enjoyed the moment and trip as much as I did.
My deer weighed 325 pounds. It took four grown men to heave it into the truck's bed.
Hunter: Russell Humphries
Official Score: 161 7/8"
Composite Score: 179 6/8"
Compound Bow
-- Reprinted from the December 2007 issue of Buckmasters RACK Magazine
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Alarm frontman makes plea for others to join him in taking part in campaign to raise funds for cancer treatment
Researchers warn teens in rural communities especially affected after less than a decade of abusing the drug
Driver uninjured but male biker in his 20s taken to hospital following collision on the A4087 Caernarfon Road
Passenger dies and driver is rushed to hospital with life-threatening injuries following two-car crash on a woodland road
Hiker and friend airlifted to Ysbyty Gwynedd after becoming "disorientated" and descending wrong side of peak
News comes months after dad-of-five helps raise £25,000 for charity as part of #teamirfonappeal
The man was airlifted to Ysbyty Gwynedd but was pronounced dead at the hospital, the two other were flown to special decompression unit
Betsi health board apologises for delays during periods of heavy demand facing medics
Driver's condition described as "stable" after vehicle collides with wall near school
The young mum and her four kids, one of them a newborn, were forced to flee when an electrical fault caused the living room to light up in flames
Freedom of Information request by Daily Post reveals call-out costs across region.
Mums' leader and AMs worried over midwife-led services only at Wrexham or Bangor
Friends will swim from Anglesey to Bangor this weekend for Ysbyty Gwynedd's Alaw Cancer Unit
Staff at Ysbyty Bryn Beryl refused to do anything to help Guto, who was eventually diagnosed with second-degree with burns, because the hospital had closed at 6pm
The list of casualties from crashes at a North Wales junction has grown again after a young woman was taken to hospital
Dyfed Price has demanded the UK Government invest in services to help returned soldiers following the death of his friend Daron Vaughan Davies
Elfed Williams is is taking part in the marathon Cerddwn Ymlaen walk after crews helped to save the life of his son Tomos
77 year-old died in hospital after being fatally injured in severe winter storm
Betsi Cadwaladr University Health Board is launching a public Wi-Fi network at Ysbyty Gwynedd, Ysbyty Glan Clwyd and Wrexham Maelor
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|by Christina
How big a mortgage can you take? How much credit card debt can you carry?
Much has been made about good debt versus bad debt. Getting a mortgage for your home is "good" while an "auto loan" is bad because your auto purchase will depreciate. But how much debt can you afford. Below are some guidelines that in my opinion, you should consider.
Stability of income
How stable is your income? This is a very important factor. The more stable your income, the higher debt load you can sustain. Doctors, for example, can afford to have a bigger mortgage than most of us. It is not just because they have high income, but also because they have higher income potential that is more stable. Most new doctors who graduate have a ton of student loans. Yet banks are slightly more lenient on them simply because they have high and yet stable income growth ahead of them. Many doctors have high student loan debt, a mortgage and very little cash and investable assets in the beginning of their careers.
However, if you are an insurance agent or real estate agent, then your income inherently is less stable (though lucrative). Your ideal debt ratio will depend on your income and assets.
Alternative source of income
Do you have alternative sources of income? Do you have a rental property producing positive cash flow? How much dividends are your investable assets giving you? The more sources of cash inflow you have, the better your ability to take on debt.
What is Your Coverage Ratio?
When bond investors invest in bonds, one of the key ratios they look at is the company's coverage ratio. What is the the cash flow versus interest payments? For triple A bonds, it is not uncommon to find coverage ratios of 10. For junk bonds, coverage ratios of 1.2 to 1.5 are not uncommon.
What is your coverage ratio? How much income are you bringing in? What is your interest payment every month. To be even more conservative, subtract all necessary household expenses from your income and use that number to calculate your coverage ratio. Ask yourself what your coverage ratio will be if you take on a loan, credit card debt, or a mortgage? If you coverage ratio will barely be one, then you should reconsider whether or not to take than loan or mortgage. If your coverage ratio is above 3 and you have a stable income, then you will be a lot safer.
What is your Debt to Equity or Asset Ratio?
How much debt you can take is also influenced by what is your net worth. If you have a few properties free and clear, taking on another mortgage may not be an issue even if your income source is not stable. Before you take on another debt, be sure to calculate your net worth, both equity and assets, accurately.
How much cash on hand do you have?
Ford and General Motors are in big trouble for their North American Operations. But has kept them going is that they have tons of cash on their balance sheet.
How large is your emergency fund? How long can you last if your present source dries up? Think long and hard about this when before you take on any new debt.
To sum up, I think you have to look at a variety of factors before you can decide how much debt you can take – whether it is a mortgage, auto loan or home improvement loan. Look through these factors carefully before making any big decision that will impact your financial future.
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Been wearing this sweater nonstop since I picked it up on sale at Robber. The color is gorgeous, and I love the shorter boxier fit. There's an x-small and medium on sale at La Garconne ($121) and a large at Robber ($125). I went with the small, but even the large seemed to be fine if you want a more over-sized look.
Friday, January 18, 2013
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It took hundreds of people working over a year to make the 2009 Annual Meeting the great success it was. We thank these individuals for their dedication and thousands of hours volunteered to put the program together, staff the meeting, field questions, and share their knowledge and talents with the NCTM family.
We wish to give special recognition to the Program Chair, committee and volunteers, as well as the Local Arrangement CoChairs who orchestrated a really big show—NCTM's 87th Annual Meeting and Exposition.
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Sorrento Yacht club
shutter speed 1/500
f-stop f/8.0
shot in raw
That is nice, good contrast with the ship in the background
This is just fabulous, Rosina. Lovely contrast, and the blues and whites are so clear and crisp. Agnes xx
The water is so blue.. Great Capture :))
great shot. May I ask what you shoot with?
thanks glad u like it,
canon 5d,70-200 f2.8,with circular polarizing
– Rosina Lamberti
Nice shot, Rosina. I love the contrast in colours and in the style of boats.
your kung-fu is strong : )
is the ISO set at 50 in this image?
shutter speed 1/500
f-stop f/8.0
shot in raw
– Rosina Lamberti
Wow the ISO is that high? I have a totally bad eye.
Thanks for putting up with my tech questions : )
anytime,cheers rosina
– Rosina Lamberti
Lovely and wonderful scene love this view def.my fav……superb shot
Wonderful comp and capture Rosina.
I did all the uniforms for the Sorento Sailing Couta Boat Club 3 Xmas's ago, a fantastic polo shirt with an embroidered logo and matching caps.


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Our team of experts will always be at hand to advise you with their proficiency and competance, which will help drive your claim forward with care and attention, until you have all your money back into your bank account.
We know it could maybe take 2, 3, 4 or even 5 attempts for a claim to materialize. This is taken into consideration when we are claiming money back from the banks. Banks would not be successful businesses if they made it clear and easy for you to claim your money back if a purchase collapses.
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