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Paying Bankers In Derivatives Worked Out So Well For Credit Suisse That They're Going To Do It Again
By Matt LevineDealbreaker has long admired Credit Suisse for being on the cutting edge of creative approaches to compensation. In 2008, they gave bankers bonuses consisting of "toxic assets" to (1) incentivize the risk-takers to stick around and (2) remind people that "toxic assets" is a meaningless term if you don't consider price. That worked out okay. This year, they're giving junior mistmakers bonuses consisting of nothing, as a gentle reminder that there are other, similarly nonremunerative careers that might be better suited to their interests and talents. That also seems to be working. And now there's this piece of magic:
Credit Suisse Group AG, Switzerland's second-biggest bank, plans to pay a portion of senior employees' 2011 bonuses in bonds packaged from derivatives linked to about 800 entities.
The move "is a risk transfer from the firm to employees," Chief Executive Officer Brady Dougan, 52, wrote in a memo to the firm's staff and obtained by Bloomberg News. "We are trying to strike the right balance and align employees with shareholders. These measures help to put us in a good place and to perform well in 2012." …
The bonds mature in nine years and will pay a coupon of 5 percent for Swiss franc holders and 6.5 percent in U.S. dollars "for holders elsewhere," Dougan wrote. Credit Suisse will absorb the first $500 million of losses on the portfolio, according to the memo.
How can you not love this? My favorite part is that shareholders eat the first tranche of losses. OOOH NO BANKSTERS ROBBING SHAREHOLDERS, you think – well, not you, but someone thinks – except no. From the Bloomberg report – and I haven't seen the memo so, y'know, if you have it, send it our way – these things have pretty limited upside. They're 6.5% bonds; if the underlying derivatives perform awesomely, then all you've gotten is a 9-year deferred cash bonus with a 6.5% yield – above market for an investment-grade-ish thing, but not amazing given the messiness of it; if they perform terribly, then you're a bit shielded but eventually start bearing losses. So it's not a heads-we-win-tails-you-lose thing; rather it's that shareholders get the first loss and residual gains – y'know, the equity – while bankers are next in line for each.
Giving the shareholders the equity tranche makes sense if you think that bank employees actually should not have their incentives fully aligned with the interests of shareholders. On this view, which we've mentioned before, bankers are not just working for their risk-addled shareholders, but also for their creditors, depositors, and everyone else contingently liable to pony up if their derivatives trades go awry. So bankers should have a more credit-like payout that prioritizes stability as well as profit.
In that light, the incentives here look great. If you're a Credit Suisse derivatives originator (or maybe even if you're not*), and you know about this plan, your incentives are:
(1) to book profitable trades so you get a big bonus;
(2) to make those trades safe enough so that the bank sticks around for nine years and you actually get paid out on it.
Both of those are good things! This is a pretty simple way to do it. Other things don't necessarily do it. Most notably, stock options don't really create incentive (2) – instead, they just create a continuing series of (1). Every year you want to take risks to make the equity as valuable as possible, because you get all the upside of that; if those risks blow up the bank, then your downside is floored at zero. With these, um, Brady bonds (?), you remain exposed to the downside of blowing up your bank – but your previous-year bonuses don't have any upside. They're just their stated value, plus 6.5%. Thus you don't have the asymmetric incentives that drive critics of banker pay nuts.
One teensy critique: CS's annual comp whimsy is great fun for outside observers, because each year they find some new way to illustrate a point in compensation theory. But as a way of aligning incentives it is … puzzling. If you think that this bonus structure is a good way to align incentives – and why not? – then it works best if people know about it in advance. Who knows, maybe some short-term-profitable-but-risky trades were put on in December 2011 that, in hindsight, their originators now regret. And as a guide to conducting your business in 2012, "Credit Suisse will find some complicated and amusing way to pay us that no one has thought of before" is not really all that helpful.
Credit Suisse Bonuses to Include Bonds Made From Derivatives
* Per the article, "The portfolio covers about 18 percent of the credit exposure in the firm's derivatives business and is 94 percent investment-grade." But there's no need to design this structure to just offload derivatives currently on your books. You could, for instance, lend to customers, then buy CDS on those loans from a synthetic CDO in which you retain the equity and sell the next tranche to your, um, bonusholders. So you could bring commercial bankers, and client coverage generally, into this too.
Comments (67)
That's it? <1000 words and only 1 footnote?
Charts or it didn't happen.
Thank God the Volcker rule precludes my firm from following suit.
Kind of quiet today Matt…maybe someone is sweating about Level One results being released tomorrow?
Third time's a charm!!!
-Former UBS MD -
Or someone was out late and had a few too many margs with that Beth girl.
If i was smart enough to understand CS comp, i would be at GS.
Nice tag on the Dougan pic
One other teeny tiny problem Matt…CS has a tendency to binge and purge more so then the other banks. So say your are year 6 in on a nine year wait, you still going to be eligible once they decide to take everyone out at your level? Also for this, you would have to stay at CS for 9 years which is its own form of hell.
Publicizing efforts to align employee incentives with non-shareholders is just going to make the problem of inadequate dd and skepticism on the part of bank creditors worse. There's a certain brilliance to it really.
Brady Dougan + Goatee = Murray Hewitt
Jemaine: Do we have any gigs Murray?
Murray: Ah, yes, I have an answer for that. No.
http://www.youtube.com/watch?v=vDjJc_ZH6dk -
How did you guys miss the part about only 10pct cash for those making more than 1mm?
Dear Employees,
In our considered view, this instrument is actually safer than Credit Suisse stock.
Warm regards -
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There is a building in Edinburgh where a basilisk prowls the halls, where spectres lurk and doctoral students shirk. Sorry, this Friday Flashback is not about the worlds largest reclining buddha or a mighty pyramid but something more precious and ephemeral; The Club. A place, a time and a group of people. The place was Edinburgh University, the time 2007-2012 and the people were The Club and shall remain nameless to preserve their anonymity and protect them against potential prosecution or worse, academic disgrace.
Sadly, the writing is finished. The lions no longer roar, the rubbish has been collected and the Mole is dead. A breath in another universe blew on a fuzzy dandelion and like the seeds we have scattered to the far corners of the globe, some of us further than others. The Club as a time and a place has diminished, a mere spectre haunting the halls of memory. But 'the thing' remains, as real as rope.

subset: commoncrawl


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photo by Sara Bonisteel
Makes 1 shake
active time
5 minutes
total time
5 minutes
- 1 1/2 cups mint chocolate chip ice cream
- 1/2 cup whole milk
- 1/4 cup mini chocolate chips
- Whipped cream (plain or chocolate; optional)
- Chocolate syrup, for garnish
In a blender, combine the mint chocolate chip ice cream with the milk and process until smooth, about 30 seconds. Add the chocolate chips and stir to combine. Pour the shake into a glass, top with the whipped cream, and drizzle with chocolate syrup.
my notes
recipe at a glance
type: Kid-Friendly, Quick & Easy, Non-Alcoholic, Frozen, Ice Cream Drink
main ingredients: Ice Cream, Chocolate, Milk/Cream
holiday/celebration: St. Patrick's Day


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Posted by td6262
These are moist and delicious lemony/limey cupcakes with tequila and triple sec. Everyone always asks for this recipe.
- 1 package lemon cake mix
- 1 (4 ounce) package instant lemon pudding mix
- ½ cup vegetable oil
- ¾ cup frozen margarita mix (thawed)
- 4 large eggs, lightly beaten
- ½ cup gold tequila
- 2 tbs triple sec
- 2 tbs lime zest
- Preheat oven to 350 degrees Combine cake mix, pudding mix, vegetable oil, Margarita mix, water, eggs, tequila and triple sec in a large mixing bowl. Beat for 2 minutes at medium speed with an electric mixer. Divide among cupcake pans Bake for 15-20 minutes or until inserted toothpick in the center comes out clean.


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January 30, 2015 |
Happiness Consultants Won't Stop a DepressionPosted on Jul 27, 2009
By Chris Hedges Anthony Vasquez, a student at the University of California, Berkeley, worked at FedEx Kinkos for about two years. His store's slogan was: "Yes we can." "It meant that if a customer asked us to do a job for them, no matter what it was, we were to say 'Yes we can!' " he said. Posters of the slogan were posted on telephones and in the backroom. Corporate auditors enforced the slogan by "Yes we can" call audits. Employees would be punished as a group for failures, and individuals could be fired. Other slogans at the Santa Cruz, Calif., FedEx Kinkos included "Winning by engaging the hearts and minds of every team member" and "I promise to make every FedEx experience outstanding." Vasquez worked with a trainee named Sam until Sam was fired. The store managers didn't announce the dismissal. They kept Sam on the schedule to make it appear he was skipping work and then used this as grounds for removal. After two weeks and some conversations with Sam, Vasquez wrote "Fired" in pencil under Sam's name on the schedule. It was at that point that Vasquez got a taste of the ideology of modern corporate management, which uses therapeutic forms of social control and calls for group harmony to impose rigid conformity. Angela and Nancy, the store managers, reprimanded Vasquez with a "positive discipline documentation form." They charged him with defacing company property. Advertisement Square, Site wide Vasquez signed the document and left the office. "It must have been in 2006, the company was holding another mandatory meeting for team members, which is what they call us," he said. "I went with a couple of co-workers to Fresno, where we met a lot of other employees from various stores in Northern California. ... The meeting took place in this rented room, and the woman from corporate had all these toys, markers and candy in the middle of each table. The first thing she had us do was organize ourselves according to duration of employment at the company. While in this line, we had to introduce ourselves and say how long we had been working. The girl on the far end had been hired two months prior, the man on the other had been with the company for almost 20 years." Vasquez saw that some of his co-workers didn't like having to speak about private, potentially embarrassing information. But the corporate manager tried to pump them up. "She spun it so hard I felt dizzy," said Vasquez. " 'Isn't this wonderful? We have such a wide range of great team members. This really shows what a great place this is to work, and how you can make a career here!' she said." "One man stared at the floor in anger and embarrassment," Vasquez said. "If he had said anything, she would have e-mailed his center manager and he would have been written up and probably denied a raise. By the way, raises are 25 cents a year." "The purpose of the meeting was, her euphemisms aside, to push merchandise and services onto customers that they didn't want. I believe it's called upselling," he said. "She wanted us to talk about our positive customer service experiences. Most of us struggled with this, as nearly all of our experiences with customers and the company had been extremely negative and stressful. But she was all smiles, no matter what we said, and I noticed she was able to make almost everyone there smile and laugh and have a good time. She used the toys, the candy, the markers, and activities like skits and competitions to get people active and involved with each other. She used the happiness and was able to switch its source from human interaction to the company. You aren't happy because you are being social, you are happy because you work for the company." The driving ideology of corporate culture is a blind faith in the power and virtue of the corporate collective. All quotas can be met. All things are possible. Profits can always be raised. It is only a question of the right attitude. The highest form of personal happiness, we are told, is when the corporation thrives. Corporate retreats are built around this idea of merging the self with the corporate collective. They often have the feel of a religious revival. They are designed to whip up emotions. Office managers and sales staffs are given inspirational talks by sports stars, retired military commanders, billionaires and self-help specialists like Tony Robbins who tell them, in essence, the impossible is always possible. And when this proves not to be true, it is we who are the problem. We simply have to try harder.
The World As It Is:Dispatches on the Myth of Human Progress
Previous item: Million-Dollar Baby: How Much Would You Pay for a Baby If You Couldn't Have One? Next item: Let NRA-Loving Senators Practice What They Preach New and Improved CommentsIf you have trouble leaving a comment, review this help page. Still having problems? Let us know. If you find yourself moderated, take a moment to review our comment policy.
By Roberto, July 27, 2009 at 9:21 am Link to this comment Although Hedges is by far the best truthdig has to offer he can be off from time to time. This is one of those times. I do agree with his view of the coorporate ideology and their collective thinking, the company as your god and sole benefactor and those awful cult like company retreats where everything is so tongue in cheek and cynical. The only things that come out of those things is a waste of presentation paper and rolls of good tape and getting drunk and finally sleepin with that co-worker you've been trying to nail since you started the job or getting too drunk and sleepin with the whale of your dept -neither is a good thing. Usually the presenters and group leaders don't even work for the company they are hired from another company and are professional cheerleaders who hold those degrees that Hedges mentioned.
By GW=MCHammered, July 27, 2009 at 9:06 am Link to this comment Happiness Consultants bed Corporatism or… FROM: A mnemonic that can be used to remember the criteria for histrionic personality disorder is PRAISE ME: P - provocative (or seductive) behavior The HPD is highly reactive. If there is another major disorder present, such as delusional disorder, then emotional intensity will create anger, rage, abuse and distance in relationships. ———————————————————- "Empire of Illusion, The End of Literacy and the Triumph of Spectacle" is right, Mr. Hedges.
By Rhuen Phreed, July 27, 2009 at 8:55 am Link to this comment Thank you Chris, I must admit, your ability to get to the crux of these systemic problems is quite amazing. And the unbridled passion to wake people up, well, great. I do regret that many times I tend to cancel out the part of your work, that is so insightful, because many times I sense a kind of very sophisticated evangelical-izing, embedded throughout you work, more of the post reformation sort. But please consider, I am not prejudice, having done some time at seminary and various zen centers, questing for some approximation of the truth, perhaps, but rather, like you seem to be, I am concerned about the vulnerability of people to be brainwashed,, blackmailed so by threats against their livelihoods, threats to their, economic or social needs/standing, etc.. I am unable to avoid praising you for this article. In Boston, people put in their ads, to seek out/acquire apartment roommates, "no drama please". I will speak to just about anyone, and I find that many young people, get somewhat frightened when the conversation "deviates" from, "how is the weather", or "what is your dog's name". I do not think they are aware they have come to believe that anything that is not of this "positive" stuff, well, that less than shinny thoughts will negatively effect their bottom line or social standing. Its all become very subtle this "attitude genocide", and yes, furthermore, the "social eugenics" that are being practiced on the neighborhood levels, fostered by, as you astutely pointed out, by the workplace environment,,, enforced by corresponding local policing tactics implemented by this new era of local political leaders morphing into chief financial officers. The psychological/psychiatric professions have much to answer for, as they have merged their fortunes to that of corporate culture, and the doctrine of the positive creates the emphasis on "production", at any cost, and away from "dysfunction" which of course now implies a negative means of achieving personal happiness satisfaction. I am a writer by necessity. Do you notice that what you have been writing, and for instance, your new book, well, that there is now some opening for people to hear and understand. I will use this crevice in this decades old madness to start putting some stuff out, but in the meantime I do appreciate you have. When I studied some economics, back in the day, well, it was pretty clear that systems like ours needed "depressions", and the pain of admitting there was one, together with the hard would needed to emerge from one, well, this was a good thing, a necessary thing. Just as this "economic depression" has been thwarted, in the sense of being referenced and defined by "positive economics", so to has the American psyche been thwarted from reacting appropriately to this disaster. The U.S. citizenry's ability to inquiry deeply, into the causes of their current insecurity & rage, has been suppressed by the emphasis on "positive based psychology" and "positive based sociology" that created the mindless drone workers of the last 20 years. (and lets not forget how the survival of the fittest delusion plays into this positive illusion, perhaps another time though) Sure pain stinks, but the lack of options reeks. And this is what "positive economics" does, takes away options, limits reactions, and damages the endurance of a population to consider alternatives to the problems they encounter. I do think the time is ripe for a few to wake up from their "positive slumber". Boy are they going to be negative about this realization? Rhuen Phreed
By chris, July 27, 2009 at 8:18 am Link to this comment Your article brought back memories. I was employed by FEDEX, pre-Kinko's, during the Reagan years. The positive psychology you talk about permeated every aspect of employment there. This was the era of "In Search of Excellence" when all good corporate functionaries were thinking "outside of the box" to better meet customer needs. The Company deliberately understaffed our operation and had us working a lot of over time hours, many double shifts, moving incredible amounts of freight in facilities that had not been designed for the volume. There were numerous accidents and injuries caused by the heavy workload and sleep deprivation. As we drones labored we were treated to many mandatory meetings where we were made to "present" to other "team members" and bombarded with company videos and presentations loaded with the kind of nonsense that you detail in your piece. The same happy smiley "up with people" burbling was accompanied by minuscule raises and horrendous cutbacks of our benefits. And the cutesy gimmicks! For a while the management took to wearing lapel pins shaped like sunglasses. "The Future's so Bright We Gotta Wear Shades!" and then had us listen to the Timbuk3 song(which is actually really ironic) while he and the other bosses bobbed their heads in time to the music and smiled at us. I left the company around the time they adopted:
By seekimgee, July 27, 2009 at 7:53 am Link to this comment Right on, Chris! My company's national sales conference is in two weeks where we have to endure an endless stream of this psycho-babble. Even during our weekly meetings, our managers will tell us two conflicting things and expect us to believe both! I commend you for continuing to speak out against the wars and for the poor and the disadvantaged. You are truly the voice of the people.
By howie bledsoe, July 27, 2009 at 7:39 am Link to this comment great article! If I were your McManager I´d give you a gold star!
By Jon, July 27, 2009 at 7:35 am Link to this comment What's additionally tragic is how this 'rah rah' b.s. has become the norm for very underpaid low level employees without a true stake in the company they work for other than that small bi-weekly check, and used at these employment levels, it's really intimidating. Sales organizations, where huge bonuses and other rewards are possible, have used the 'smile, be happy' technique forever, but to see it used as described in this article is just wrong, because beneath it is no respect for the person, only the desire to propagandize to those who have no stake in the company. The rise of the "HR" department is partly responsible for this—-a department most likely staffed with 20-somethings who've never worked in those basement jobs they are recruiting for,but who go to 'team building' seminars and who have budgets to bring in consultants such as mentioned in the article. The immaturity level of the typical HR department is stunningly poor, and this too is very bad for employees; and the older employees I imagine are truly embarrassed by the lack of social awareness of their managers and HR people. When will this stop?
By m, July 27, 2009 at 7:31 am Link to this comment Dibs on the espresso maker! Thanks Chris, maybe next time one in plain English for the working class?
By patrick jones, July 27, 2009 at 7:31 am Link to this comment In this case, marrying the academic discipline of Positive Psychology directly to a delusional corporate ideology is probably irresponsible of the author. If one were to open the cover of Seligman's "Authentic Happiness," you might find numerous examples that are far deeper and much more profound than base slogans and profit-driven psyche tricks used in a conformist corporate climate. Please, try again Mr. Hedges.
By Krassen Dimitrov
kr, July 27, 2009 at 4:06 am Link to this comment Fantastic read! Congratulations! |


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Wilmington, NC has 2 shops listed under Yamaha. You may sort Yamaha Wilmington, NC by distance and rating.
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Does anyone have a source for the hourglass-shaped bulb glasses used for forcing single bulbs? I've seen them as part of hyacinth kits but I'm hoping to find several of the glasses alone.
Follow-Up Postings:
Try dollar stores and discount stores first. Look in the kitchen section. The same basic shape is often sold as a salad cruet. I've seen ones that would work quite well for hyacinths or paperwhites, generally around about 16 ounce capacity and probably something like 8 inches tall, with hourglass shape you need to force bulbs. |
I was thinking they were quite expensive, but found these at the link below for just $4 each, or $3 if you buy 12 of them...plus shipping of course. denninmi is right...various things can be used instead. See also...frugal hyacinth forcing vases I have one 'actual' hyacinth forcing vase found at a yard sale, but in looking at some of my other vases (I collect those too), I think other 'squeeze' vases would also work. Sue |
Here is a link that might be useful: Scroll down to see pastel and different clear ones.
- Posted by maevesgarden 6b/7aPhiladelphia (My Page) on Mon, Oct 18, 10 at 5:30
Denninmi, thanks -I am checking out all my glassware with new eyes, now. Sue - exactly what I am looking for - thank you! -Maeve |
There were a few years when these were hard to find but they seem to have reappeared over here. I have 10 like the ones in Sue's link in white, pale green and blue glass and I was surprised how cheap they were in my local market- about ÂŁ1.00 each ($1.50.) I have no idea where they come from and they have no brand name. You might enjoy the link. |
Here is a link that might be useful: Hyacinth glasses
You might enjoy the link. Wow! What a great site! So much variety, and so many different planting options. I'm now really looking forward to scouring the miscellaneous glassware shelves in thrift stores. Then off to buy some Hyacinths, and get them chilling. I wish I would have started earlier on this. Sue |
If anyone buys those inexpensive bulb glasses that are COLORED, do NOT wash them in your dishwasher. I did and the color peeled off. It was just a film coating which the heat of the dishwasher dissolved. Learn something new every day. At least they were cheap, but the colors were so pretty. |
Oh Flora, your cheerer-uppers look great, as does the Nerine bowdenii so late in the year. That reminds me, now that I finally got the hyacinths bought, that I need to get them started in some forcing containers. If anyone buys those inexpensive bulb glasses that are COLORED, do NOT wash them in your dishwasher. I did and the color peeled off. It was just a film coating which the heat of the dishwasher dissolved. Sue |
The ones in my picture have been dishwashered many times. The glass itself is coloured. I don't remember the exact price but they were definitely pretty cheap ie something like ÂŁ1.50 9 (ca $2.40) They had no packaging or makers name so I can't tell you where they come from. |
I'm surprised you bought the cobalt blue colored glass so reasonably priced. What a bargain. |
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Does S curl activator grow African hair?
I've noticed that many visitors stumble across my blog in their search to know if S-curl activator helps to grow African hair. In my personal experience, it doesn't directly cause hair growth the way something like Jamaican black castor oil does! But it's a good moisturizer and if you read my steps on growing hair, you'll understand how important it is to keep your hair well moisturized. When your hair's moisture is balanced, this helps to prevent breakage. When your hair doesn't break, it grows longer! That's why I love S-curl activator: its moisturizing properties.
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The tax credit deadline is 31 July. If you're one of the 5.8 million people who have been sent a review form, don't ignore it. If you do that, your payments could STOP, or you could be forced to repay cash you've already spent!
Tax credits are payouts made regularly by the state into your bank account to support those with children or those in work with a low income. They're paid via the tax office and anyone aged over 16 who normally lives in the UK can apply to get them.
There are two types of tax credits. You can be eligible for none, one or both: Child Tax Credit - which anyone with children whether working or not could be eligible for, and Working Tax Credit - which anyone who works, whether they've got kids or not, could be eligible for.
The amount you can get depends on your income, whether or not you're single or part of a couple, the number of children you have, the number of hours per week you work and whether or not you have a disability.
What you need to do depends on what you were sent by the tax credit office.
Phishing is a type of spam email where scammers try to reel you in, hoping you've got a connection to the company they're pretending to be from. The emails disguise attempts to steal your passwords, bank codes and money. NEVER click on a link and enter your password - no matter how genuine it looks.
While HMRC may email you about other issues, it never emails about tax credits or tax rebates. So if you get an email about them, don't believe it.
Yes. It's important to check the forms, even if you're not entitled to tax credits any more or if you don't want to claim any more. This is because the renewal pack isn't just estimating your credits for the next year, it's checking whether you were correctly paid for last year. So failing to sort it out could leave you suffering overpayment or underpayment problems.
The deadline is 8pm on 31 July, but you shouldn't leave it until the last minute - sort it now. This is because if you've issues, the official hotline for help gets mega-busy, and it's likely to get busier every day nearing the deadline. HMRC says mid-afternoons tend to be quieter, so this is the best time to call. If you don't get through at first, keep trying.
If you still can't get through, make a note of when you called and what you wanted to tell them. Remember some can also make their renewal by post or online.
As we're talking tax credits, it's time for my annual warning. If anything changes, as soon as it changes, even if it's not at renewal time (or if you've already done your renewal and it's happened since) TELL THEM.
If not, you risk being overpaid. While that sounds a dream, it's a nightmare, as you'll be asked to find the cash to pay it back, even if you've already spent it. Charity Citizens Advice recently said the number of issues reported to it of people falling into debt as a result of repaying overpaid tax credits increased by 14% in the 2013/14 tax year.
These changes can be anything - moving in/out with a partner, a change in working hours, a change in income, the number of kids you have or childcare costs. The golden rule is: if you're not sure, tell them. Also for safety, always note down who you spoke to and what you told them, and when, in case of a dispute later on.


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Helpful Mutations
Name: Keli Status: Student Age: 12 Location: N/A Country: N/A Date: March 2004
Give an example of A Helpful mutation. Explain why it is helpful.
Pretty much all the variation in existing creatures living on earth are the result of helpful mutation, otherwise, the only living things on earth would be exactly the same as the ones when life first came to be on earth.
Pick almost any species of animal, and you will find physical reasons that it is not exactly like similar species, reasons that will help it survive in the location it lives.
Any mutation that creates a protein that wasn't there before, but can now be used by the body for something is helpful. For example, hemoglobin is a protein in your blood that carries oxygen. It is made of four protein chains, 2 called alpha and 2 called beta. There are different versions of these proteins found on your chromosomes. They all appear to have come from an original hemoglobin-like protein and all came about because of mutations. So for example, the beta chain is similar to the gamma chain and is different by a few mutations. However, the gamma chain allows the hemoglobin to bind oxygen even more tightly. The gamma chain is used by the fetus during pregnancy when it has to share oxygen with the mother. This is definitely an advantage to the fetus. So fetal hemoglobin is made of 2 alpha and 2 gamma chains.Just before birth, the gene for gamma turns off and the gene for beta turns on and at birth and after the hemoglobin is made of alpha and beta and doesn't need to bind oxygen quite as tightly. There are many other examples.
Answer: The most famous example of a helpful mutation is the gene for sickle cell disease, which has the ability to protect carriers from malaria. Malaria is common in Africa, and this gene is common in people of African ancestry. It appears that the malaria protection in heterozygotes, people carrying one copy of the gene, was so useful that the gene was preserved in the population because people carrying the trait survived to have more children, on average. This benefit existed in spite of the fact that children carrying two copies of the gene were afflicted with sickle cell anemia.
Many other gene differences exist between different people. Our faces, hands and bodies, internally and externally, are all unique, and many of these differences are caused by genes. Some characteristics may be caused by single genes but most have multifactorial inheritance - many genes interacting with each other and with environmental factors, adding their effects together. Some of these changes are inherited from our parents and some may occur as new gene mutations in every generation.
Of all the many genetic differences, those that cause disease get more publicity, but other mutations may be very useful. Some may make a person prettier, or stronger, or smarter, or more resistant to disease - even if we cannot yet pinpoint these genes and say which they are. Perhaps with future research this may become possible, especially after all the research that has been done on the Human Genome Project.
Another thing to keep in mind is that some gene mutations may be harmful in some situations and beneficial in others. Imagine a person with a blood clotting gene who also has a bleeding disease such as hemophilia. Although the blood clotting gene is not helpful to most people, since it increases the risk of a dangerous blood clot, could it perhaps be helpful to the person with hemophilia? This question may soon be answered by medical research.
Also, bear in mind that the situations that make a mutation beneficial or harmful may have a cultural basis that depends on historical reasons rather than medical reasons. For instance, suppose there is a war and someone who wants to join the army is refused because of a genetic disease caused by a harmful gene mutation. It might be that this person's life is saved by not joining the army.
It sounds strange, but there are cases known, for instance in Tsarist Russia, where people injured themselves on purpose to avoiding serving in the army. They considered that living with a crippling injury for the rest of their lives would be less harmful than 25 years of military service in harsh and cruel conditions.
Besides this, there may of course be some deeper, philosophical meaning in the lives of people with genetic diseases. They may be grateful or, at least, content to live their lives with mutations that the rest of us consider harmful. This may perhaps even be true for suffering caused by social factors such as poverty or oppression.
We should all do our best to reduce the amount of suffering in the world. Everyone's life is unique and meaningful in some way, and all of us have some potential to improve the lives of those around us and somehow to benefit society.
Sarina Kopinsky, MSc, H.Dip.Ed.
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Mon, Jul 28, 14 at 0:04
got one clum of bamboo that is the leaves are turning brown and soft...the other bamboo clums are doing fine except this one. It is getting the same amount of water as the others. New shoots are growing out of this one...but worried now that they may stop growing and die as well... any ideas of what is going on? |
Follow-Up Postings:
Since it's almost impossible to over water bamboo, and the tips of the leaves are brown and dry, I would suggest increasing the water. The soil in that spot may be slightly different or it gets more sum etc. I had a similar problem with the Buddha's Belly in my garden. The extra water solved the problem but created another... it grew into a monster that ate that part of the yard. |
- Posted by Fascist_Nation USDA 9b, Sunset 13, (My Page) on Mon, Jul 28, 14 at 13:49
Looks like salt burn to me. I'd heavy water to try and force the salts down and then go back to your regular watering schedule only follow the above advice and increase watering duration. |
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I wanted to comment further on a few things from the interview between Gary Bettman and Ron MacLean the other day.
First off, Bettman complained about MacLean asking about franchise health during a great playoffs. I don't think there's any real reason to do that, other than an attempt at obfuscation, since that's the area where one can expect Bettman to be an authority. There isn't much point in asking a man like Bettman about the quality of hockey being played – he's always going to say it's a high quality event, as he did during the so-called dead puck era – because that's in his best interest. It also doesn't make sense to ask him about tactics or players or things of that nature; he's not a player, coach or general manager, he's responsible for the business of hockey. Bettman can dislike it all he wants, but the one area where what he says really matters is on the business front, and franchise health is a big part of that.
I believe MacLean mis-stepped in saying he was asking questions on behalf of the players. I don't know if he meant that or he just grabbed on to the first thing that came to mind, but the fact is that Bettman was right that players could ask themselves. When MacLean asks something on HNIC, he's asking on behalf of his viewers, and I think that was a defensible position, particularly given the Canadian audience. The country has had two teams fold up and move south, and with the Canadian dollar trending the other way asking about franchise health is a natural question.
Southern Ontario is an interesting question. It seems like the most financially viable location, and since the NHL is in the business of making money it's fair to ask why they don't have that location at the top of the list for relocation. Smarter people than me have pointed to the money available in expansion fees, and the rumour that the NHL is looking at eventually moving to 32 teams has been around for a while. I suspect that is the reason Bettman's not interested in relocating a team there (as well as protecting the interests of Toronto and Buffalo) but I can understand that he wouldn't want to say anything about it on TV. It was a fair question to ask, and it was fair of Bettman to use Winnipeg and Quebec City as cover on the issue, but I'd be very surprised if he regarded those cities as better NHL markets than another Ontario-based team.
In my last post on the interview, one commenter in particular took offence to the way MacLean put the questions and handled the interview, and there's some merit to that. My point of view is that Bettman's such a good lawyer that in almost every interview I've seen or read he just brushes aside questions and sticks to his message, and that MacLean's the only one who consistently challenges him on it. Bettman's so good at manipulating the media into a simple relay for his message that it's refreshing to see anyone challenge him on points, and MacLean at least does that.


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Let's back up and talk about Quarles getting to Noble's Holler. Where did the idea come from to have Quarles kidnap a camping mother and her two Christian rock-loving teen sons?
That was me. I just figured what would he do? He's gonna know that there'll be roadblocks put up. How did he figure he could get past them? It ended up being a kind of misdirect because his plan is not to get past the roadblocks, his plan is to get the ability to move around and have hostages. Just trying to make those characters particular, the idea of a mother and two sons sorta reflects Quarles' life and, to a degree, Raylan's. Of course, Quarles didn't have a father after a certain point BECAUSE HE'D KILLED HIM, but nevertheless, there's the idea that life would have been fine if it'd just been mom and me. And I think Raylan shares that. One of the writers on the show, Jon Worley, knows Shawn and Cathy Ryan, because he'd worked on Terriers. And my wife Connie and I met Shawn and Cathy last fall at a film festival and hung out with them for a few days, so when Jon suggested that maybe Cathy could play that mother part, we jumped at it.
Having it be two sons who ultimately end up alone with Quarles — I assume that was to worry us since we know his history with young boys.
Yeah. I think in the very first iteration, it was just one boy. And then we realized we needed one to drive and a younger one to then be used as a hostage later. It was, "Oh, let's just add a kid." It's funny. They were both great. The younger one, who played Mitch, there was another project where we were looking for someone, and I said, "What about that kid?" And Cami Patton, our casting director, said, "Oh, he's already on The Glades." It was like, Yeah, we didn't find a kid that good. He's already working.
So Quarles calls Theo (Adam Arkin), and Theo was really willing to let him come home for the $250,000 he owed him and $250,000 more for Sammy's pain and suffering?
As much as Quarles' perversion has completely alienated Theo, he knows where that comes from. He knows what Quarles' father did, so as repugnant as he finds it, he still has a little bit of affection for Quarles deep down inside. And, he's a business man. He owed him $250,000. Here's a way for him to make another $250,000. Sure, he'll go for it.
When we first talked about Theo, you told me Adam Arkin wanted Theo to have a certain physical trait. It was the eye?
Yeah, one of his eyes is milky, and there's also a scar about that eyebrow. Now, it's funny: I had said, "Please, don't make him a Bond villain." I was concerned. But Fred and I were looking at it and I was like, "Eh, it could've been milkier. We could have upped the scar on the eyebrow." I was so afraid of it being cheesy that it became almost too subtle. That was just my reticence.
Quarles then had the boy Mitch call Raylan so he'd meet them at Noble's Holler and Quarles could try talking Limehouse into giving him the $500,000. That was very convenient, the way Art told Raylan to go back to the office to get his files on Quarles so Raylan would be alone to get the call.
Yeah, I mean, you can kind of hear the typewriter keys on that one. We generally try not to do that. Usually in our show, Art would say something and Raylan would say, "Whoa, whoa, whoa, wait a second" and they would have a discussion. But you know what, we just needed to get to it.
And Quarles had Raylan's cell number memorized?
He's had it for some time. In our world, anyone can get anyone's phone number, and anyone can find out where anyone lives. Unless we need to make a big story point about it.
There was that great exchange of looks between Quarles and Mitch when Quarles had him reciting to Raylan and Mitch got confused when Quarles said, "I will kill you."
There was some debate over that in editing, and I said [in petulant child voice] "No, I want it in." And then Bill and Fred said, "Ah, okay, you're right, it's cool."
Fans love those moments of comedy, like when Quarles asked Raylan for Ibuprofen.
That wasn't scripted. I think that was Neal, Tim, Fred, or Dean on the day. Neal was having so much fun playing this guy as though he still has a plan, he's still workin' it, but he's in a lot of pain. He's been on fire and he's been blown up and he's still going. He's pretty unstoppable… until he loses his arm.
We'd been waiting all season for Quarles to reveal his rail gun to Raylan.
And Raylan says, "That's cute." We debated how that was gonna go. Charlie Almanza, our tech advisor, said in a situation like that, a Marshal wouldn't give up his weapons unless he got something in return. And so, we went down that path, and then realized if Quarles slides the rail gun out, he's in a more superior position because now he can kill the kid and Raylan at the same time. So, that let Quarles win that.
And Raylan saying he'd want the one gun back…
And then saying about the other one, "That one you can keep."
That's the gun Quarles had used to kill Gary?
Yes. When Raylan gets out of the car, he's got this feeling that Quarles is probably gonna want his guns. And so he put that gun down the back of his pants. He said he would get it back to him. So he did.
An equally cool move: How did the idea for Limehouse keeping his money in a pig carcass come about?
Some of it was just practical. We needed the money to be on site. We didn't want them to go anywhere else. Someone had heard stories about people storing stuff in frozen meat. At one point, it was gonna be frozen. No, that's too difficult. We could have had it under the floorboards, but it was a cooler scene to have that. And now I know what you're gonna ask about, and I don't know. I don't know whose idea "piggy bank" was. It wasn't scripted. It was a set line.
Let's talk about the pig tongue scene then.
Nichelle Tramble Spellman wrote that. She took a pass and just came up with a whole run about pig tongue being a very specific flavor that only some people like. We just thought it would add to the history of Errol and Limehouse.
Was there ever talk of Limehouse killing Errol instead of sending him away?
That's not Limehouse's thing. If it's not necessary, he wouldn't do it, especially to Errol, who was like a son to him even though in age they're probably only around 15 years apart… There is a little bit of back story about that scene. The guy sitting next to Errol was supposed to be played by T.O.N.E-Z, who is the hip hop artist who raps the main title song. We were supposed to shoot the Limehouse and Errol scene on a Friday, but because Tim was sick as a dog on that Thursday, they had to pull up everything that didn't have Tim in it and shoot it on Thursday so it gave Tim a day to rest. When Raylan comes into the Marshals office and they're gonna take Arlo into the conference room and Raylan stops to talk to Art, Tim was running a fever of about 103°, 104°. So they added in Art saying, "Are you okay?" And he says, "I could use a little sleep." So anyway, poor T.O.N.E-Z flies in too late on Thursday to make that scene and then had to leave on Friday before the scene was shot. He had done a small bit in an earlier episode when Dickie is calling Limehouse about getting the money when Dickie and Dewey have been sprung from prison. He hands Limehouse the phone and says, "He just keeps on calling." So there you go.
And we needed to see Raylan drive by Errol, so Errol could come back.
As originally scripted, there was a scene on the bridge where Raylan drives up and Bernard [Cleavon R. McClendon III], who was the young kid Limehouse is dressing down for falling asleep on the bridge the first time we met him, was with some guys blocking the way into Noble's Holler. Raylan says, "Bernard, I need to get pass." And then Bernard lets him go because Raylan says I'm a freakin' U.S. Marshal. So Errol passes by, sees Raylan, stops his car, comes out, and asks Bernard who was in the car. So we put more of a spotlight on the fact that Errol had seen Raylan. But [the drive-by in the episode] worked well enough, given the time constraints…
NEXT: A look ahead to season 4.


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J.R. Smith is often the most frustrating player in the league to watch, but just as often, he is the most entertaining player to follow on the social media website twitter.com. To wit:
How many people want to ride bikes with me at 2am instagraming pix?
I'll be on 66th an amsterdam @2:30 wit my bike!
I know what you're thinking — is this a Blackberry commercial? Well no, not exactly. It is a tiny bikes version of a Blackberry commercial with Sutro filters instead of neon lights, as you can see up top. New Yorkers loved it, because riding bikes is their jam.
Here's every conversation these guys had this morning.
"What did you do last night?"
"Oh not much, just rode bikes at two in the morning with J.R. Smith."
"J.R. Smith from the Knicks?"
"Shut up."
As it should be. Who would believe J.R. Smith would join a bunch of fans for a late night bike ride? Probably a lot of people, actually, but it's still totally unexpected. But it really did happen.
Glad everyone remembered to bring their snapbacks. Helmets are recommended, of course, but if you don't have one, go for a snapback. Safety first, cool styles second.
This is my favorite picture from the evening. J.R. is like, "Yeah, what? I'm riding bikes. Don't worry about it." Great face.
Back in my childhood subdivision, we used an "Eeeeeee-ooooooo-eeeeeeeet" kind of call to signal is was bike riding time. NBA players use Twitter, and that's just another reason why you can't go to sleep at night. You never know when an NBA player is going to want to ride bikes with you. Rest when you're dead, as my No Fear t-shirts used to say.
(via Posting and Toasting)


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Republican lawmaker: Health care application improperly prompts voter registration
From: The Washington Times | March 25, 2013
The online draft application for universal health care coverage includes asking the applicant if he or she wants to register to vote, raising speculation that Obama groups being tapped to assist applicants may sway them to register as Democrats, the Washington Examiner reports.
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Political Science 250 - Europe: European Union Politics
Students will study the opportunities and challenges faced by the European Union (EU) today. We will consider the role of the European Union in pacifying the continent after WWII and reuniting it following the Cold War. We'll look at EU institutions, how several important European states and their citizens related to the EU, and how EU policy is made and carried out. Through a week of intensive on-campus course work and 18 days of site visits, research and reflection in London, Paris, Brussels, Berlin, and Frankfurt, students will immerse themselves in the politics of the important supranational organizations as well as the cultures of some its largest member states.
Course: POSC 250
Location: England, France, Belgium, and Germany
Prerequisite: None
Program Directors: Amy Forster Rothbart and Michael Forster Rothbart
Curricular requirement: EL
Cost: $4,280
Length of program: 5 days on-campus; 18 days off-campus
Meals: Two meals a day included
Prices of Off-Campus J Term programs are estimates. If there are factors that affect the final cost of a program, such as fluctuations in currency exchange rates or fuel price increases, a fee adjustment will be announced. Should there be a change in a program fee students will have two weeks from notification of that change, or until the last day of classes, (whichever is shorter) to pay.


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Chemotherm Massage Oil - 500ml
It has a mildly warming effect and it is non-irritant to the hands of masseur.
It can be used for sport warm-ups and also it's particularly appreciated by the more elderly patient.
Weight (including packaging): 350g
Tax is not applicable to those living outside the European Economic Community. For more info click here.
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text: It's hard to capture just how beautiful this lakefront Pocono escape is, but the following photos will have to suffice. Click on the thumbnails to enlarge, or if you prefer, click the "Play Slideshow" button to view a self-running show with easy navigation. Please note that some of the photos are old and may not show improvements that have since been made. Also note that all the pictures of the lake, beach, and docks are of our private property, and are not public areas.


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On this page you can find materials from some of the conferences we run and are involved in.
Free and rooted conference, Saturday 6th November in Cambridge
The audio recordings can be found at http://upload.sms.cam.ac.uk/institution/RIDLEY/collections
Adrian Chatfield. The Shaping of the church, introduction
Audio of talk Free and Rooted Adrian 1
David Male The Shaping of leaders
Powerpoint from talk The Shaping of the Leaders for the future
Adrian Chatfield. The Shaping of worship
Breakout Pioneers Conference
The conference material features various downloads
Adrian Chatfield gave a presentation on Spirituality in a Consumer Age to St Andrew's Histon on Sunday 28th November 2010. The associated Powerpoint highlights key themes of this subject.


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We purchased a house from someone who did a lot of work themselves. I'm pretty new to electrical stuff. Sorry if I confuse some terms.
We have a 200A main panel. It has a 100A sub panel right next to it, neither accept tandem breakers. From our service, there is another thick wire running to our garage, where there is a 40 space panel, it doesn't have any main breakers. This panel is complete full as well. It has an 80A sub panel running to our pool filter and heater. I'd really only need a 4-6 spaces near the main panel, but I'm not sure about what way to get them. Everything is very poorly labeled on the panels. The major things I have in my home is 2 wells, one using 30A, another using 20A and 4 HVAC systems. I know replacing a panel with something that accepts tandems would most likely be expensive. I'm not sure what to do, any help would be appreciated! |
Follow-Up Postings:
- Posted by ronnatalie (My Page) on Tue, Jul 17, 12 at 16:43
Well your choices are really to either put more subpanels (moving some circuits from the existing panel to the subpanel to make room for the feeder breaker) or replace one of the existing ones with more spaces available. You may wish to consult an electrician, especially to check over the existing harry homeowner work. By the way, there's nothing wrong with a subpanel not having a main breaker inside it (provided it is in the same structure). The feeder breaker in the panel it is fed from protects the wiring/panel. This is why they make main lug style panels to begin with. |
- Posted by texasredhead (My Page) on Wed, Jul 18, 12 at 8:34
You really need to have a pro look at this. You don't say. but I guess you probably have 30+ circuits full. We have a very large home with a pool that is handled with a 200amp panel with about six unused places in our panel. |
Thanks for the responses. I agree, I can't do this on my own. Just wanted to get an idea of what the solutions could be to see if any money could be saved. We live in an area where work generally costs on the high side, if not above... I'm thinking that swapping the 100A sub panel to 200A is probably a $3-4k all in? |
If it weren't for your mention of a 40-space panel in the garage, I'd think you just moved into a home my friend just moved out of (we only put a 12-space in the garage, so I know it's not) How many spaces total in the two house panels? When I first read this, I immediately pictured some really big ones, and was going to ask if you had a seperate circuit breaker for every receptacle in the house! It sounds like you have a LOT of circuits... and need to add more! |
- Posted by ronnatalie (My Page) on Thu, Aug 2, 12 at 6:58
I have two 40 space sub panels that are largely full in my house and the main panel has a dozen circuits for the hangar/garage in addition to the feeder breakers. |
The worst one I've done so far had a full 40 main, 24 on the other end of the house, with two 8's on another level... That was following my OCD: seperate circuits for every fixed major appliance, dedicated lighting circuits (I normally get by with 1 or 2, but this house had a lot of lighting, and totalled 8), and a minimum of one receptacle circuit per room... I guess that's 80 total, so I suppose I withdraw my original statement. :) |
Are you sure all the breakers are in use? Maybe somebody punched all the tabs from the panel cover and just put in unused breakers to make it safe. Your next step should be to map all circuits; maybe some can be combined. |
- Posted by alan_s_thefirst (My Page) on Tue, Aug 14, 12 at 15:26
If it was DIY, they may have purchased used panels that were loaded with breakers - it's worth checking as hrajotte says. |
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Jane Matenaer has been entertaining morning radio audiences in southeastern Wisconsin for decades. With their honest, direct and warm approach, the "Jane & CV in the Morning" show was awarded the top honor at the 2011 Wisconsin Broadcasters Association Awards for Excellence.
A quick wit, Jane also has extensive stage experience and has written and performed several one-woman shows about growing up as the daughter of a small town mortician.
Passionate about books, animals, gardening, old houses and travel, Jane and her husband Paul live in the Milwaukee area with their one eyed rescue dog Barclay.
CV has been with WLDB-FM for over 5 years and in the radio business for over 25 years. She has seen many changes in the industry and prides herself on being able adapt easily. CV can be heard weekdays on WLDB's "Jane & CV in the Morning" from 5:30am-10am and on 1290 Martini Radio (WZTI-AM) from 11am-3pm.
CV has worked at stations in Iowa, Illinois, and Wisconsin. She has worked all shifts and has worn many hats: announcer, director of public service, assistant program director, music director & more.
CV lives with her husband and cat and has a huge heart for animals. She volunteers for the local humane society, helping with their feral cat Catch & Release Program.
Join us on Facebook | |
E-mail Jane & CV: firstname.lastname@example.com | |
E-mail Jane: firstname.lastname@example.com | |
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Request Line: 414.799.1093 |


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MB0049 | Define risk management? Explain the components of risk management.
Q: Define risk management? Explain the components of risk management.
Project risk management can be defined as "the systematic execution and monitoring of tasks to detect, analyze and optimize project risks."
Project risk management is all about the systematic process of identifying, analysing, prioritising and responding to risk by applying risk management principles and controlling the probability and/or impact of unfortunate events at the project level.
The components or steps of risk management are:
• Risk Identification
• Risk Analysis
• Risk Management Planning
• Reviewing Risks
1. Risk Identification
• Risk identification occurs at each stage of the
project life cycle. To identify risks, we must first define risk.
• The best and most common methodology for risk identification is done using a brainstorming session but collecting known problems and probable future problems.
• Outputs from brainstorming session on can include:
o Name of the risk
o Detailed description of risk event
o Risk Trigger
o Risk Type
o Potential Response
o Comments, if any
2. Risk Analysis
• The first step in risk analysis is to make each risk item more specific.
• The next step is to set priorities and determine where to focus risk mitigation efforts.
• During the analysis, discuss with the team members each risk item to understand how devastating it would be if it did occur, and how likely it is to occur. This way you can gauge the probability of occurrence and the impact created. A risk analysis table might help in accessing risk easily.
In the process, we make the group agree on how likely it thinks each risk item is to occur, using a simple scale from 1 to 4 (where 1 is very unlikely and 4 is very likely). The group then rates how serious the impact would be if the risk did occur, using a simple scale from 1 to 4 (where 1 is little impact and 4 is very large). To use this numbering scheme, first pick out the items that rate 1 and 4, respectively. Then rate the other items relative to these boundaries.
3. Risk Management Planning
• After analyzing and prioritizing, the focus comes on management of the identified risks.
• There are two:
o The first is to take action to reduce (or partially reduce) the likelihood of the risk occurring.
o Second, you can take action to reduce the impact if the risk does occur.
Sometimes this is an action taken prior to the crisis, such as the creation of a simulator to use for testing if the hardware is late. At other times, it is a simple backup plan, such as running a night shift to share hardware.
4. Reviewing Risks
• After response actions have been implemented, risks must be tracked and record their effectiveness and any changes to the project risk profile. You need to review the risks periodically so that you can check how well mitigation is progressing.
• Significant changes might include the addition of new features, the changing of the target platform, or a change in project team members. Many people incorporate risk review into other regularly scheduled project reviews.
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The Fortune is a 1975 American comedy film starring Jack Nicholson and Warren Beatty, and directed by Mike Nichols. The screenplay by Adrien Joyce focuses on two bumbling con men who plot to steal the fortune of a wealthy young heiress, played by Stockard Channing in her first film starring role.
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Everyone should eat healthy food to keep fit. This is our task to make the children aware of the importance of this fact. Children have to be well informed about what to eat and how to eat to have healthy bodies. We have to develop proper nutrition habits in them and show them the results and consequences of unhealthy eating in comparison with healthy food.
In 6th May, the students from 2 grade from Aron Densusianu School Hateg Romania participated at the activity about healthy food. They talked about ,,bad,, food and ,,good,, food and the consequences of our eating.


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Latina Bloggers for 2011
Happy 2011, everybody! All ready for goodness? Got your goals all lined up? Here at the Nashville offices of el Tiki Tiki, we always get jazzed about the possibilities and potential of the New Year. My year is starting with a brand new pair of hiking boots! Vamos a ver how it goes. Oh, and we've got a brand new list of blogs by Latinas to read. Maybe you already know them? If not, aqui estan:
To provide inspiration for moving la colita, I am reading Barbara Trujillo-Gomez, the NJ-based multicultural health and wellness expert who penned the smartly-titled book, Barbara Por Atras. Get it? As Barbara puts it, she's about enhancing our "God-given curves and caderas by keeping the culture and losing the fat."Asi! Check out her blog at Barbara Por Atras.
Veronica from Crunchy VT Mommy is a stay-at-home mom to two little ones. She's funny and I most recently loved this post about an awkward Facebook exchange with her mom.
Christina Rodriquez is a Chicago-based writer who blogs about diabetes and culture on one blog, and as she puts it "everything else'' on another. You'll always find something interesting at both.
Lisa Perez is a mama in New York City and publishes New York Chica about the "ramblings of a mom surviving mamihood.'' Lots of giveaways.
Monica Olivera Hazelton homeschools her two children and writes about it at Mommy Maestra. You don't need to be a home-schooler to enjoy all she puts out there, which focuses on passing on culture through lessons, big and small.
A most wonderful collection of writers on this new Spanish-language blog for moms, Blogs de Mamás. Created by the talented and beautiful Jeannette Kaplun.
Leslie Limon writes stories about living in Mexico at Motherhood in Mexico. Also be sure to check out her wonderful food posts.
Dulces and goodness over at A Chica Bakes, written by Eliana in Brooklyn. Be sure to check out the "Latin Flair'' recipes.
Cynthia writes at Dos Borreguitas, focusing on fashion, culture and toys for little ones, but offers much more. She's funny and interesting.
Monique Frausto runs the popular Latina blog directory, Blogs by Latinas and she also has site dedicated to chicas con curves and caderas, Curves and Chaos.
Allow me to introduce you to two incredibly adorable sisters from Mexico who write a lot about astrology and fun. They go by S and D over at Nice Things in Small Packages.
Carmen Ordonez writes Viva Fashion Blog, with daily tips, steals and inspiration. We all need a little of this, no?
Miami-based Blanca Stella sort of shines from the inside out and is pure de-lovely. No wonder she writes an inspiration blog called Mi Caminar. Go there when you need a good lift.
Now, if you need a great laugh, visit Sweet Home Hialeah for regular photos of the funny and ironic in "La Cuidad que Progresa" — and gets made fun of a lot. "Pepe" and "Juana" write it.
Then, head over to read what two young, funny cubanitas raised in Miami are doing over at Lo Que Pica El Gallo. They are Lauren and Lyanis.
Read our Contributors, too. The Tiki Tiki has been graced by smart, talented, funny and thoughful writers over the last year. Please take a minute to spin through our Contributors. We're certain you will find fabulousness and new friends.
Now, what are your reading?


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Published on the Packaging World Web site
| July 5, 2011
Minced meat line
VIDEO FROM INTERPACK. High-speed minced meat line from Sealpac denests trays automatically and loads minced meat loaves at 120 packs/min before sending filled trays into the A-10 tray sealer.
By Pat Reynolds, Editor
© Copyright 2015 Summit Media Group, Inc. This copy is for your personal, noncommercial use only. To order presentation-ready copies for distribution to your colleagues, clients or customers click
or use the "Reprints" tool that appears next to any article. Visit
for samples and additional information. Order a reprint or license this article now.


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So what is the Village Invasion?
Since 2010, the quaint village of Saugerties, New York has been experiencing an annual zombie takeover of epic proportions. The largest zombie event of its kind in the Northeastern United States, the Village Invasion is part horror film reenactment, part pub crawl, part community celebration. At the behest of event founder and director Captain Cruella, zombie enthusiasts from far and wide converge on Saugerties on a Saturday night in October, dressing in their ghoulish best to sample local shops, take in some kick-ass music, scare each other silly and have a bloody good time.
What's different this year?
The Invasion has officially incorporated and we're dragging on to our 4th year! We're now a not-for-profit organization, and this year, like last, a portion of the proceeds for the event will be directed toward rebuilding and revamping Small World Playground, a local spot frequented by kids from the Boys & Girls Club and other tykes in the surrounding vicinity. In short, it's caring through sharing, folks, and what red-blooded horror fan wouldn't want to be a part of that?
Also this year, the Invasion is being built on a " Carnival of the Dead" theme—this means that visitors have the option of joining in on all the creeptastic circusy, carnival, carnie-esque undead fun! Why? Because living clowns weren't creepy enough…
The braaaaaiiiinnsss behind the operation, the deadly and delectable Cruella has become a social media phenomenon in a very short time. Building the Village Invasion concept from grassroots level to an officially sponsored destination/event , she's been featured in the Saugerties Times, Ulster County Times, Times Herlad Record, Poughkeepsie Journal, CT Post, Rue Morgue, Fangoria, countless horror websites, blogs and podcasts along with many other local media outlets, and has a rabid fan following that keeps spreading like an undead plague.
The rotting face of the Village Invasion, Captain Cruella can be found all over the World Weird Web:
Blog: Cruella's Crypt
Tumblr: Cruella's Concoctions
The other half the Terror Team, and founder of the award-winning blog The Vault of Horror, Brian Solomon is Minion #1, joining Cruella each year to spread the word and rule over the zombie hordes with a black-gloved fist. His musings on the vast world of horror in its many forms can be found at:
Or, connect with the VoH via…
The good Captain has an official sponsor this time–the Village Apothecary, located right in downtown Saugerties. It's owned and operated by Neil "Chip" Smoller, has swooped in taking the Invasion quite literally to higher levels, with radio spots, multi-tasking behind the scenes magic, and much more in the works.
The newly minted Invasion board of directors also includes one Perri Naccarato, who has become known by Invasion partygoers for the vintage horror flicks he projects on the massive wall outside his store, The Computer Guys. And will be soon gracing the front of the very collectible Village Invasion event t-shirts being minted for this 4th annual event!


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The experienced team of otolaryngologists and audiologists at Metro Health Ear, Nose and Throat are dedicated to providing their patients with the best care possible.
Andrew M. Behler, DO, M.P.H. Dr. Behler is a graduate of the University of Michigan, obtained a master's degree in public health from the University of South Carolina and completed medical school at Kansas City University of Medicine and Biosciences. He completed his residency training in otolaryngology/head & neck surgery & facial plastics at Michigan State University. He has performed research and authored publications for the University of Michigan Medical Center, United States Department of Veteran Affairs and Mott Children's Hospital. |
Harold N. Hollander, DO, FAAO-HNS Dr. Hollander received his osteopathic degree from the College of Osteopathic Medicine of the Pacific, and completed residency training in General Surgery and Otolaryngology-Head and Neck Surgery at Metropolitan Hospital. He also completed a Management Seminar through the American College of Physician Executives. |
James Spoto, DO A native of Rochester, NY, Dr. Spoto holds a bachelor's degree from the University of Rochester in New York and recieved his medical degree from the Midwestern University-Arizona College of Osteopathic Medicine. He completed both his internship and residency in otolarynology, head and neck surgery at Metro Health Hospital. |
Sharon Hickox, AuD, MA, CCC-A Sharon received her Bachelor of Science and Master of Arts degrees from Central Michigan University. She worked at St. Joseph Mercy Hospital in Ann Arbor for eleven years before relocating to Grand Rapids in 1996. She is currently working on her AuD at A.T. Still University. Sharon is a member of the American Academy of Audiology, the American Speech-Language and Hearing Association, the Michigan Academy of Audiology and the American Tinnitus Association. |
Scott Mahar, Au.D., CCC-A Scott graduated from Western Michigan University with a Bachelor of Science in Speech Pathology & Audiology and a Doctorate of Audiology. He completed his audiology externship at Johns Hopkins Outpatient Center in Baltimore, MD. He is a certified audiologist in the state of Michigan and licensed hearing aid dealer. Scott obtained his Certification of Clinical Competence-Audiology from the American Speech-Language Hearing Association. Scott is a member of the American Academy of Audiology and the American Speech-Language Hearing Association. |