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Semester Calendar
Course List (PDF) (Updated 12/9/14))
Final Exam Schedule
General Education Locator (PDF) (Created 10/27/14)
Honors College Course List (PDF) (Created 10/27/14)
Time Options for Busy Schedules
College and Department Program Directory
WSU Custom Schedule Search - Use this filter-style search to provide a quick view of course options that you can narrow or expand as you view; allows easy filtering by General Education, Honors courses and other special courses. Use this option to search for keywords within the course title.
Banner Schedule Search - Searches one set of criteria at a time; use this option for searches by keyword, instructor and more detailed course dates and times.

subset: commoncrawl


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Evaluating Commercial Banks (part 1 of ??)
IBSo as I mentioned in BlackHat's excellent post on how to break down a 10K (see here: http://www.wallstreetoasis.com/forums/anatomy-of-the-10-k), I'm going to put together a series of posts on how to evaluate a commercial bank. About me real quick, I work at a large US bank doing lending to & risk analysis of other banks (you can see my interview with WSO here: http://www.wallstreetoasis.com/blog/interview-with...). This series might have a credit-tilt to it, as this is my background, though for banks I think the credit-side and the equity-side are a bit closer than in other industries, and a lot of the analysis is going to be nearly the same (both generally follow CAMELS - capital, asset quality, management, earnings, liquidity, sensitivity to markets).
Feel free to ask questions and request items for me to touch on in future posts, but the structure of this series will probably be:
Intro/Industry Comments (this post)
Asset Quality
Capital & Regulatory Matters
Liquidity & Funding / Conclusion
Basically, I'm going to walk-through the standard CAMELS analysis structure, but will talk a little about management throughout and will probably not go into sensitivity to markets too much, as it's less important than the other topics.
The focus of this is going to be commercial bank analysis (deposit-taking institutions). This is to be distinguished from bank holding companies that own a commercial bank, but also have large broker/dealer, insurance, or other subsidiaries (JPM, Citi, BofA, MS, GS). You can apply this analysis to these types of companies on a consolidated basis (as they are presented in their 10K), but things can get a bit cloudy due to large trading books. It is also important to understand that since banks are highly regulated, money may not be able to flow between these different subsidiaries (and to the bank holding company), which can make things tough. This series should help in starting to look at these type of companies as well, but they are much trickier. You can get information on just the commercial bank portions of these companies (as well as any US bank) from the FDIC: https://cdr.ffiec.gov/public/
I'm probably going to pick out a specific regional bank ($10Bn to $150Bn in assets) to walk through for this, so I can pick out specific parts of their 10K / FDIC call report. I haven't decided which one just yet, however (feel free to make requests, no guarantees I choose a requested one though).
A few things first:
Banks are different from your typical corporate (manufacturing/tech/retail/etc) due to the way they earn money and the very specific way their balance sheets are constructed, both of which lead to them being more highly regulated than any other industry (and maybe all other industries combined). We'll get into this in more detail, but banks make money primarily by acting as intermediaries between people who are saving money (deposits) and people how are borrowing it (loans/securities - taking credit risk), making a spread by investing and borrowing at different points on the yield curve. They also perform other services that generate fee income (this whole I-banking thing, asset management, trust, processing, and other businesses), but a large part of a banks earnings (almost always more than 50%) are derived from using their balance sheet directly. This is different from a corporate who is making something tangible to sell for cash, and their balance sheet is more of a residual reflection of their business model rather than the direct producer of earnings (if that makes sense - financial vs historic cost assets). Because a bank's earnings are mainly interest, we also can't use typical metrics like EBITDA or DCF models to value them, as banks are basically entirely cash flow and we can't excluding interest income/expense from the picture (we also don't really care about the cash flow statement).
This leads to the equity /specific balance sheet structure part (and ECF method for valuation). Banks need to be highly leveraged because banks don't really make that much money off of their assets/operations (a few % interest), but they still need to generate sufficient ROE in order for investors to want to do all of this in the first place. A typical/decent bank only generates about 0.75% to 1.5% return on assets, meaning that to meet their WACC, they need to have about 10x to 20x assets to equity (this can even be higher in some cases - mainly Europe). This level of equity that they hold is highly regulated because (as opposed to corporates that can even run in deficit) most of their assets/liabilities are financial assets that are at fair value (or in the case of loans nearly fair value). They need to hold specific levels of equity against the riskiness of the assets (likelyhood they decrease in value), so that the liability holders (mainly concerned about depositors) don't get whipped out if the equity is consumed by losses. Capital runs too low, regulators take the keys away. This all ties back to the ECF method (or dividend discounting) because we need to make sure of a few things before we can assume that the bank is going to make income, or that they will be able to return any of it to shareholders. Hence, we look at CAMELS: the capital adequacy, the asset quality (how risky / prone to loss they are), how management deals with this highly leveraged, risk-taking entity, the bank's earnings power (ability to build / destroy capital), their sensitivity to markets (and proneness to lose earnings/capital in them), and the final part is liquidity/funding, which is a somewhat different issue that can also lead to a bank closing shop. How to look at each of these aspects is what I'm going to walk through in later posts. The nice thing about all of this is that, unlike other companies, banks are very similar to each other, can be easily compared, and the same techniques can be used for measuring their performance.
A few notes about US Banks:
The banking system in the US is quite small (~80% of GDP) compared to most other developed countries (systems around 100-200% of GDP, or even more). This is because the US corporate debt and mortgage securities markets are much bigger than in other countries, and investors, not banks, hold a much more significant amount of the debt in the system. The largest US Banks are also much smaller relative to GDP than other banks in the world (for example to make JPM the same size as BNP Paribas relative to France, JP's assets would need to be about 5x as large). This is a good thing, because it makes it easier for the gov't to prevent a systemic crisis that could harm the economy (like in 2008, though it appears everyone is dead set on martyrdom if that ever happens again). The US banking industry is also much much much less consolidated than others, with ~7000 banks in the country (many with just a few branches). This leads to difficulties in regulatory process, and US regulators have a much more difficult time implementing new rules / international standards than their counterparts, which I'll discuss more in the capital post. That being said, the general quality of public disclosure and regulatory oversight is much higher in the US than in many areas, making US banks a lot easier to analyze.
This may seem pretty intuitive, but it must be said - banks are often direct reflections of the performance of the economy in which they operate/lend. This should be pretty straight forward: economy bad = people/companies have less money = tougher time paying loans = losses for bank. This has several implications. First, an analyst needs to understand the conditions being faced by the bank's borrowers. Second, if all of these borrowers are in the same place / facing the same conditions, things can get ugly faster. This means banks should try to diversify their lending by loan type, industry, and geographically. The problem in the US is that a lot of the small banks aren't able to do this, and small banks tend to fail at all points in the national economic cycle (let alone a national downturn). For analyzing foreign banks, it's extra important that the analyst understands the economic conditions in the country, foreclosure laws, reporting standards, etc, which generally makes looking at foreign banks a bit trickier.
I'm getting kind of tired, but I hope that this post makes sense and works as an intro to bank analysis, and how it is a bit unique. I'll hopefully start working on something about how to looking at earnings over the next few days. Feel free to ask questions for now and I'll try to clarify things that don't make sense.
Happy that someone finally
IBHappy that someone finally did this. Will give it a read shortly.
"There are three ways to make a living in this business: be first, be smarter, or cheat."
Nice. Thanks!
HFNice. Thanks!
Of course, I would just buy in scales.
Very nice. I've looked at
AMVery nice. I've looked at banks in other countries and have struggled with distinguishing between development, private and publicly owned banks in terms how to account for government support (implicit or explicit) during security valuation. Any thoughts? Specifically, in when the support should override poorer fundamentals or maybe even a framework for thinking about it?
this is going to be a superb
Othis is going to be a superb series. Looking forward to it pirho.
This is amazing, thank you.
?This is amazing, thank you.
''You can fool some of the people all of the time, and those are the ones you need to concentrate on.'' — President George W. Bush
0.5 bb
Salient intro, thanks.
PESalient intro, thanks.
"I like money (as do most females) but love is...great :)"-student
"Perhaps you've failed to take into account my hidden assets"-007
Storm: Orig Mix
Oscar Wilde -Ballad of Reading
do you cover ADS or other CC
?do you cover ADS or other CC names (or banks with significant CC operations, Capital One comes to mind). Any quick primers on quality of earnings, with a focus on how to evaluate both portfolio quality and spreads vs. funding costs.
Also, do you think evaluating credit as a counterparty (which is my reading of your job) is different from as an investor (since its return free risk)?
Vagabond85: Very nice. I've
ACVery nice. I've looked at banks in other countries and have struggled with distinguishing between development, private and publicly owned banks in terms how to account for government support (implicit or explicit) during security valuation. Any thoughts? Specifically, in when the support should override poorer fundamentals or maybe even a framework for thinking about it?
I'm also curious about this.
Didn't really read the entire
CBDidn't really read the entire thread but working in a solid Community/Regional Bank, I can speak on the main things Banks are struggling with and how to decipher the strength of a Bank. Most of this is no-brainer stuff but thought I would comment.
The main data people always start at when looking at Banks is ROA and ROE - although there is a school of thought that after the recession these figures now have a new standard which shouldnt be compared to historical figure pre Dodd-Frank.
A very current issues small-to-mid size Banks are working with is a significant decline in Net Interest Margin or NIM caused by historically low interest rates on debt - I mean, Banks cant pay less than zero on the checking/savings that they are already are doing, so the only thing left to go lower is rates on the debt. I would heavily look at the trend of a Bank's NIM and how they are implementing other fees (deposit, etc) to offset the loss.
Of course the other main number for Banks is Operating Efficiency which is the OPEX as a % against gross revenue. This, along with ROA and ROE are probably the baseline things to look at.
But like I said, NIM is at the core of issues for Banks right now. Big Banks can absorb it more with other fees generated from other lines of business. But smaller Bank live on the NIM and if they cant figure out a way to generate revenue from other sources and rates stay at historic levels for another 2-4 years, it will create a major problem. Throw in an unexpected charge-off and you have a failing Bank. So look at the non-performing asset ratio as well.
Like i said, basic bread and butter stuff. Just thought I would comment since I am living it. Our Bank has been heavily focused on generating revenue from Treasury Management, lowering rates on EVERYTHING, implementing other fees upon closing a transaction, implementing SWAPS which also guards against a rise in interest rates, etc. My Bank is consistently ranked among the highest for Safe and Soundness and for performance in California. We have approx $2B in assets.
Fantastic, great insights.
AMFantastic, great insights. This framework will prove very useful in my work going forward. Greatly appreciate it- SB for you sir.
You read my mind with this
?You read my mind with this one....I also work in this space....but for foreign banks.
This subject matter is so interesting because it outlays how this whole thing (global economy) works.
And you're right. It is hard for smaller banks. They ramp up their balance sheet growth doing real estate deals (asset, fixed rate). But as typical with banks, they're funded with with shorter term liabilities (more variable repricings). If rates go up and they can't reprice those loans but have to reprice those deposits/funding sources, there goes those margins. Also, since most of them have limited trade territories, they tend to have all of their real estate projects concentrated in the same geographic area. If that area goes bad, they all go bad.
I am going to work for the
?I am going to work for the commercial lending group of a BB bank and I feel like this has given me good insight into what I am going to be looking at. Also, the idea of working in a group that lends only to other banks is intriguing
gregt14: A very current
IBA very current issues small-to-mid size Banks are working with is a significant decline in Net Interest Margin or NIM caused by historically low interest rates on debt - I mean, Banks cant pay less than zero on the checking/savings that they are already are doing, so the only thing left to go lower is rates on the debt. I would heavily look at the trend of a Bank's NIM and how they are implementing other fees (deposit, etc) to offset the loss.
I've been hearing talk thrown around about negative interest rates (on deposits). I think CS has instituted/will be instituting them for some types of accounts, actually.
"There are three ways to make a living in this business: be first, be smarter, or cheat."


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Find the best Children's Playcentres in Midlands as recommended by local Midlands people in thebestof Midlands's Children's Playcentres directory.
Cannock, Staffordshire
The Beach Hut is an indoor play centre in Cannock where the children and adults both love to visit thanks to the high standard of equipment, food and cleanliness.
Claire A said
We have just held our daughter's party at The Beach Hut. it is spotlessly clean with great refreshments - a real find. Staff are enthusiastic and extremely helpful. a great experience. Thank you.


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For more information on KPFA's archiving policy go here: Learn More.
An international radio program that links people, vital ideas, and important information.
« Previous Month July 2011 | Current Month: August 2011 | Next Month » September 2011 |
Making Contact - Christian Parenti: Unstable Climate, Unstable People - August 26, 2011 at 1:30pm
Journalist Christian Parenti speaks about his new book, Tropic of Chaos: Climate Change and the New Geography of Violence. He connects the effects of climate change to the increasing number of civil wars, ethnic violence, criminality and failed states in Kenya, Brazil and India, among others.
Making Contact - Not My Zion: American Jews Divided on Israel and Palestine - August 19, 2011 at 1:30pm
The American consensus on Israel and Palestine is breaking down. And Jewish Americans are playing a major role. But it's not easy. On this edition; a Jewish American community divided. More and more members of the tribe are breaking a long-standing taboo, and voicing criticism of the Israel gov.
Making Contact - Being Black and Green: African-Americans & the Environment - August 12, 2011 at 1:30pm
African-Americans are helping to lead the environmental movement. We take you to a resettlement community in North Carolina, sustainable farms in Wisconsin and a local bike ride in California, where local black leaders are changing the color of environmentalism.
Making Contact Fund Drive Special - August 5, 2011 at 2:00pm
Looking for more? Click here to browse all available archives of this program.


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A guide to affordable, compact fluorescence-activated cell sorters
A guide to affordable, compact fluorescence-activated cell sorters
Recent developments in cell transfection and molecular delivery technologies
Tools for tracking quorum-sensing signals in bacterial colonies
Three approaches for isolating and characterizing rare tumor cells circulating in the bloodstream
A beginner's how-to on RNAi screening in mammalian cells
A survey of The Scientist readers reveals who buys cell-growth products from whom, and why.
Cell-based assays are popular for high-throughput screens, where they strike a balance between ease of use and similarity to the human body that researchers aim to treat.
Enhancing data collection from emulsion PCR reactions: three case studies


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Ninja Spinning Sushi Bar in Boca Raton: A Revolving Sushi Bar, Tatami Room, and More
Sun believes Ninja will appeal to a younger crowd (including local Florida Atlantic University students) in part because of the option to buy smaller bites (a four-piece roll versus a ten-piece roll) at a lower cost. The playful ninja theme -- shirts, designed by Sun and available for purchase, carry slogans like "Miso Hot" and "Wassup My Ninja," and "Wanna Roll?" -- probably won't hurt the cause. via Ninja Spinning Sushi Bar's Facebook The traditional tatami room with a modern twist.
The restaurant was previously occupied by Blues FortyOne and Sun said the renovation required a complete gutting and overhaul of the space. The project took longer than expected, pushing back the original opening date from fall to winter of 2012, but the final product captures the desired modern aesthetic.
A tatami room -- available for intimate gatherings and small parties -- has several ninjas painted on the walls. There are plans to enlist a local artist to create a mural on the west wall of the restaurant, but for now, decor is kept mostly to a minimum, with lots of reds, white, and black.
Sushi happy hour is offered nightly from 4:30 to 7 p.m. and after 10 p.m., select drinks are priced two-for-one. There is a full liquor and sake bar, specializing in Asian-infused drinks. The restaurant is one of few in the area to stay open late into the night -- they close at 1:30 a.m., offering an option for nearby bar and restaurant employees to grab a post-work drink and meal.
Tricia Woolfenden The full liquor bar at Ninja Spinning Sushi Bar.
Follow @ CleanPlateBPB
Location Info
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Any of a class of proteins that are secreted by cells and are inactive precursors of enzymes. Transformation into active enzymes occurs as one or more peptide bonds in the zymogen are cleaved. Examples include trypsinogen and chymotrypsinogen, secreted by the pancreas and converted by proteolysis in the small intestine into the active enzymes trypsin and chymotrypsin; and numerous coagulation factors.
Learn more about zymogen with a free trial on Britannica.com.


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November 2003 Announcements
APA Helps Bring Psychological Science to Education
APA recently won a grant to provide postdoctoral fellowships to encourage psychological science in education. The 2 million dollar award, from the Institute of Education Sciences, is to create the "American Psychological Association/Institute of Educational Sciences Postdoctoral Education Research Training Program (APA/IES PERT)." The goal of the program is to increase cutting edge psychological science research in school-based teaching, learning and achievement. To do this, the program will provide postdoctoral fellowships for psychology researchers to work with mentors who have substantial expertise and experience in school-based research. During the fellowship period, researchers will design and conduct school-based education research – including learning the pragmatics of conducting school-based research, such as scaling up in size, matching research questions to curriculum issues, addressing evaluation research on education interventions, and addressing issues in teacher recruitment, teacher preparation, and teacher development. Fellows will also participate activities focused on translating research into practice, promoting career socialization, building a community of APA/IES scholars, and developing interest in education sciences throughout the graduate education pipeline in psychology.
Gaining this award is a positive step in long-standing APA initiatives to bring psychological science to education and to equip psychology researchers to take the research into the school system. The fellowships will be awarded for up to 2 years with an annual stipend of $55,000. In addition to research, fellows will attend a 2-day orientation conference and will participate in annual mini-institutes organized and conducted by the Education and Science Directorates that bring other APA/IES fellows, mentors, and advisory panel members together.
National Advisory Committee Meeting Held October 8-9 at the American Sociological Association
by Jessica Bryant, Special Projects Associate
The annual National Advisory Committee meeting was held on October 8-9 at the American Sociological Association. The committee is comprised of a panel of distinguished scientists spanning the behavioral and social science disciplines who guide the Decade, laying the basic framework for Decade programs and overseeing their progress. During the meeting the committee selected three individuals as the Decade of Behavior Distinguished Lecture Program awardees and two scientists to receive the 2004 Decade of Behavior Research Award for Health.
Distinguished Lecture awardees are:
Jeffrey Sachs, nominated by the Association of American Geographers
Janet Norwood, nominated by the American Educational Research Association
Amartya Sen, nominated by the American Political Science Association
These individuals were selected because their research stretches beyond the boundaries of traditional disciplinary focus and highlights the importance of a multidisciplinary approach to societal concerns.
2004 Research Award Recipients:
David Dinges, nominated by The Federation of Behavioral, Psychological, and Cognitive Sciences
David Williams, nominated by the American Sociological Association
This award recognizes excellence in the behavioral and social sciences for research that has impacted policy or has made other concrete contributions to solving social problems.
American Psychological Foundation Announcements
American Psychological FoundationF. J. McGuigan Young Investigator Prize
The American Psychological Foundation announces it second biennial $25,000 prize—to be given in 2004—to recognize the efforts of a young psychological science investigator in the areas of research consistent with those pursued by Frank Joseph McGuigan, PhD. The prize will be awarded to the recipient's institution for the benefit of his or her research. Faculty salaries and indirect costs (i.e., overhead) may not be requested.
Eligible research area: According to the bequest, "the prize is focused to support research, to explicate the concept of the human mind. The approach must be a materialistic one fostering both empirical and theoretical research. Empirical research would primarily be psychophysiological, but physiological and behavioral research may also qualify for support…dualistic approaches such as espoused by many contemporary cognitive psychologists do not qualify for support."
Nominee eligibility: Nominees must have earned a doctoral degree in psychology or a related field, and be 9 or fewer years post-doctoral degree at the time of the nomination deadline. Nominees must have an affiliation with an accredited college, university, or other research institution.
Nomination procedure: Nomination packages must contain six copies of each of the following: (1) letter of nomination written by a senior colleague (no self-nominations); (2) 1-2 page statement of accomplishments to date and plans for the next 5 years (written by the nominee); (3) a curriculum vitae, and (4) copies of two representative publications. This package should be sent to:
APF Frank Joseph McGuigan Young Investigator Prize
American Psychological Association Science Directorate
750 First Street NE
Washington, DC 20002-4242
Selection criteria: The recipient will be selected based on the excellence of the full breadth of research conducted and published to date, as well as the promise of research planned for the next five years.
Deadline for Receipt of Nomination: March 1, 2004
For more information, contact the APA Science Directorate.
American Psychological Foundation
2004 Randy Gerson Memorial Grant
The American Psychological Foundation (APF) announces the Randy Gerson Memorial Grant to be given in 2004. For the 2004 cycle of the grant, professional academicians or practitioners engaged in relevant research projects are invited to apply. The grant has been created to advance the systemic understanding of family and/or couple dynamics and/or multi-generational processes. Work that advances theory, assessment, or clinical practice in these areas shall be considered eligible for grants through the fund.
Preference will be given to projects using or contributing to the development of Bowen family systems. Priority also will be given to those projects that serve to advance Dr. Gerson's work.
Eligibility Requirements:
Applicants from a variety of professional or educational settings are encouraged to apply. Awards are given in alternate years to students and professionals. The 2004 grant will go to a professional academician or practitioner. To qualify for the 2004 cycle of the award, all applicants (including co-investigators) must have a doctoral degree (e.g. Ph.D., Psy.D., Ed.D., or M.D.).
Applications must include:
- Statement of the proposed project
- Rationale for how the project meets the goals of the fund
- Budget for the project
- Statement about how the results of the project will be disseminated (published paper, report, monograph, etc.)
- Personal reference material (vita and two letters of recommendation)
Applicants must submit seven (7) copies of their entire application packets. Send application packets by February 1, 2004, to the APF Awards Coordinator (address below). Applicants will be notified on or after April 15, 2004.
Amount of Grant: $5,000.00
Deadline: February 1, 2004
For additional information, contact the APF Awards Coordinator at 750 First Street, NE, Washington, DC 20002-4242.
Call for Nomination for the 2004 Gold Medal for Life Achievement in the Science of Psychology
The American Psychological Foundation (APF) invites nominations for its 2004 Gold Medal for Life Achievement in the Science of Psychology. The Gold Medal in Science recognizes life achievement in and enduring contributions to scientific research in psychology. Eligibility is limited to psychologists 65 years or older residing in North America.
The Gold Medal award includes a medal and $2,000, to be donated by APF to the charitable institution of the winner's choice, as well as an all-expense-paid trip for the recipient and one guest to APA's 2004 annual convention, in Honolulu, July 28-August 1, for two nights and three days. (Coach round-trip airfare, and reasonable expenses for accommodations, and meals for two individuals will be reimbursed.)
Nomination materials should include a letter of nomination detailing the nominee's record of achievement in promoting psychology as a science and of scientific research, and the nominee's current curriculum vitae. Letters in support of the nomination from fellow professionals are also highly encouraged.
All nomination materials should be received, as a complete packet, no later than December 1, 2003, and should be mailed to the APF Gold Medal Awards Coordinator, 750 First Street, NE, Washington, DC 20002-4242.
Grants Available for Scientific Conferences, Proposals Invited
The Science Directorate is currently seeking proposals for research conferences in psychology. The purpose of this program is to promote the exchange of important new contributions and approaches in scientific psychology. The next deadline for applications is December 1, 2003.
Grant money ranging from $500 to $20,000 is available for the scientific conference. Proposals will be considered using such formats as "add-a-day" conferences ($500-$3,000 available), "stand alone" conferences ($5,000-$20,000 available), and festschrifts ($5,000-$20,000 available). APA is also open to innovative ways of holding conferences. The conference must be additionally supported by the host institution with direct funds, in-kind support, or a combination of the two. Please note that a detailed budget including institutional support is required for application.
Conference proposals must meet the following eligibility requirements:
One of the primary organizers must be a member of APA
Only academic institutions accredited by a regional body may apply. Independent research institutions must provide evidence of affiliation with an accredited institution. Joint proposals from cooperating institutions are encouraged.
Conferences may be held only in the United States, its possessions, or Canada.
Conference summaries or other appropriate documents are normally requested to be submitted to APA after the conference is held for consideration for publication and dissemination under the authority of the association. APA reserves the right of first refusal for all publications from APA-sponsored conferences and will hold the copyright on such documents. Conferences should take place within approximately 12 months after the funding decision is made.
Seventy-five percent of funds will be distributed to grantees prior to the conferences, and the remaining twenty-five percent will be released when the manuscripts (which result from the conference summaries) are ready for publication, as determined by APA. The documents will be published under the authority of APA.
Conference review committee members are: Stephen Ceci, PhD; Irene Frieze, PhD; Keith Humphreys, PhD; John Kihlstrom, PhD; Linda Parker, PhD; and Sheldon Zedeck, PhD.
Proposal Deadline: December 1, 2003
Please mail proposals to:
APA Science Directorate
750 First Street, NE
Attn: Scientific Conferences Proposals
Washington, DC 20002-4242
E-mail: email@example.com
Workshop on Responsible Conduct of Research in Psychological Science
April 13–14, 2004
Executive Summary
Sangeeta Panicker, Ph.D., Director of Research Ethics Office
American Psychological Association, Washington, DC
Francis Beylotte, MS
American Psychological Association
Workshop on Responsible Conduct of Research in Psychological Science
The responsible conduct of research in psychological science was the focus of this workshop held on April 13 and 14, 2004 at the Marriott Wardman Park Hotel, in Washington, DC.
The Research Ethics Office at the American Psychological Association (APA) in collaboration with the Department of Health and Human Services Office of Research Integrity organized this workshop. The workshop was made possible by the contributions and active participation of experts in the research field from across academic disciplines, from organizations and from federal regulatory agencies. The workshop provided academic professionals, government policy professionals and both graduate and undergraduate students opportunities for dialog and exchange on particular issues related to the responsible conduct of psychological science.
The workshop comprised one and a half days of plenary, discussion, and breakout sessions focusing on three specific topics in the responsible conduct of research:
Conflicts of Interest.
Participants had the opportunity to explore ethical and responsible conduct of research issues that arise, the impact of investigator and institutional conflicts of interest on research, faculty-student relationships, methodological and human participant protection issues in data archiving, and the impact of regulations and policies such as the HIPAA privacy rule and the NIH data-sharing policy on behavioral research.
Conflicts of Interest
Mary Ann McCabe chaired the conflicts of interest panel and presented the agenda. Celia Fisher presented the plenary address for this section. Her talk included an overview of "multiple role responsibilities and competing interests" in psychological science. Barbara Stanley described the potential conflicts of interests from the perspective of an "investigator that also functions as a clinician". Tomas Eissenberg provided multiple examples of non-financial conflicts of interest. Chris Pascal discussed the principles of "financial and other conflicts of interest in the context of disclosing and managing those conflicts of interest and the risks of failing to do so". The participants asked questions following the presentations. Afterwards, the participants were divided into two breakout groups. These breakout groups were facilitated by Chris Pascal and Mary Ann McCabe in separate rooms where up to five conflicts of interest case studies were discussed. These cases and discussions allowed elaboration on the topics from the previous presentations.
Steven Behnke chaired the mentoring panel and laid out the agenda. June Price Tangney's plenary address focused the didactic nature of the mentoring relationships in the context of "making the most of mentoring relationships". W. Brad Johnson presented some of the "emotionally complex, reciprocal, and long-lasting, contain specific ingredients that can create ethical quandaries" in a mentoring relationship. Matt McGue discussed mentoring in the context of authorship in collaborative research between students and mentors. Marshall Narva presented a series of case studies illustrating "when the mentor paid inadequate attention or served as a poor role model." The participants asked questions following the presentations. Once again participants were separated into two breakout groups. W. Brad Johnson and Steven Behnke facilitated the breakout groups for mentoring. Up to five case examples were provided to aid the discussions.
Data Sharing
Merry Bullock chaired the data-sharing panel, which was held on the final day of the workshop. Francis Macrina provided an historical overview of data sharing and included a review of the contemporary context (e.g., NIH data sharing guidelines). Eloise Malone and Allen Harmon provided "a survey of data archiving from the practitioner perspective." Lora Kutkat provided "basic information about certain provisions of the Privacy Rule (HIPAA) in the context of health research.". The participants asked questions following the presentations. Participants were divided in two groups to discuss up to five case studies related to data sharing. One breakout group was co-facilitated by Francis Beylotte and Francis Macrina and Marry Bullock facilitated the other. The workshop was concluded by a group discussion of the issues related to data sharing. Sangeeta Panicker made additional closing comments.
The Research Ethics Office at APA is committed to the issue of responsible conduct of research in psychological science and will continue to hold similar workshops.


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I will be buying a 7.62x39 rifle within the month. For the money, which one would you choose? both have pros and cons, but I dont quite trust century over izmash. Mag issues are obvious, but what about worksmanship, fit and finish? I have been pondering this....
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Saiga is my pick, don't forget they make a longer barreled version for the same price. Several companies are currently making higher cap magazines for the Saiga in every caliber. The Saiga is made in Russia, by drunk people who know what the AK-47 is supposed to work like. The Century gun was probably a good gun at one time, too bad all the good parts had to be removed & then tossed in the trash...
saiga is russian, mags easy to get, but vz58 isCzech which is better built but you cant use ak mags but have to use vz58 which i dont know how thesupply of mags is or cost
you can buy a factory converted saiga for about $750 here. a standard saiga is o.k. but a converted one gives you all the advantages of an ak. check out crown gun and pawn website and do a gun search for 7.62x39. you can see pics of them there. or, you can buy a new saiga from that outfit in arizona and do the conversion yourself if you're handy working on guns.
re: Saiga vs. VZ-58 ... I know nothing about the VZ, but I was brought a Saiga by a friend who was consternated to find it couldn't use AK mags without a special "bullet bumper". I machined one and welded it in (the 'factory' v. is attached by a screw). It worked okay, but "drunk AK-47 techs" sounds about right ... gnr


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Very Good Recipes of Eggplant from We don't eat anything with a face
There are 3 Eggplant recipes on the blog We don't eat anything with a face. (591 on all the blogs)
Click on the title of a recipe or the photo of a dish to read the full recipe on its author's blog.
Aubergine/Eggplant and Cheese Bake
By We don't eat anything with a face
04/06/12 17:53
© Unlike traditional melanzane parmigiana, my aubergine bake doesn't contain Parmesan, although you could use some vegetarian Parmesan-style cheese if you wanted to. I don't salt my aubergines (life's too short to salt an aubergine!), and I only fry them...
Add to my recipe book
Turkish-Style Stuffed Aubergines/Eggplants
By We don't eat anything with a face
11/25/11 15:18
© This is my variation of the Turkish dish Imam Bayildi. I add cheese which is not in the traditional recipe, so you could leave this out for a vegan meal. You could stuff other vegetables with the same mixture (even baked potatoes/sweet potatoes) if your...
Add to my recipe book
Aubergine/Eggplant/Brinjal Chutney (Vegan)
By We don't eat anything with a face
07/14/11 22:03
You may have guessed by now, that I love aubergines, and you'd be right. They have to be cooked well though, as undercooked aubergines are just not nice! I had 2 aubergines that needed using up, but couldn't find a chutney or pickle recipe that I liked...
Add to my recipe book


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Suicide Jumper Survives After Landing In Pile Of Garbage
NYPost - The snowstorm that mangled New York saved the life of one Manhattan man. A troubled Hell's Kitchen resident jumped from his ninth-floor apartment window yesterday — but survived because he landed atop a mountain of trash bags that had been piling up since the Dec. 26 blizzard, cops said. "Maybe it was lucky we had this snow and they hadn't cleared the garbage," said Katharina Capatos, the aunt of the victim, Vangelis "Angelo" Kapatos. It was about the only good news from a torturous postblizzard week marked by a lackluster response to the storm, which included a catastrophic breakdown of snow-plowing that kept ambulances from getting patients to hospitals. "This was the perfect storm — excessive amounts of garbage between the Christmas and New Year holidays and nearly 2½ feet of snow," said Councilman Vincent Ignizio (R-SI).
I've been on a 5 day bender so I didn't even realize the city was crippled from the snow. Hadn't seen the news or picked up a paper or anything. So to me, the aftermath of this blizzard was just a bunch of slush puddles and broads walking around in their Hunter boots. But just yesterday as I was walking to Hype Lounge I started to notice the gigantic fucking piles of garbage everywhere. Like piles of 30+ bags just rotting on the streets. And then I find out ambulances can't reach patients and people are flying out of fucking windows. Christ Almighty. Get hit with a little snow and the whole goddam city collapses.
Anyway, this has gotta be one of the more absurd coincidences of all time. Dude is trying to smash into the pavement from 9 stories up and he lands in a impromptu landfill because Bloomberg and company just let all the plow trucks and garbagemen dick around during the blizzard. What are the fuckin chances? He must be so fucking pissed. Finally build up the courage to pull the proverbial trigger and it doesn't even work. Its like when you're at the bar and you finally muster up enough balls to go hit on a smoke and by the time you turn to go do it, she's gone.
Actually its nothing like that because in one scenario you're still boozing at the bar and in the other scenario you're half dead in a pile of trash heading into surgery in critical condition. But you kinda get what I mean.


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From Wikipedia, the free encyclopedia - View original article
Nanocomputer is the logical name for a computer smaller than the microcomputer, which is smaller than the minicomputer. (The minicomputer is called "mini" because it was a lot smaller than the original (mainframe) computers.)
The term nanocomputer is increasingly used to refer to general computing devices of size comparable to a credit card. The first use of this name appears to be to describe the s1mp3 manufactured by The Flying Electron Inc. (7 November 2008).[1] It is now used for a wider range of devices, such as[2]
A perhaps more principled interpretation (analogous to the first microcomputers having fundamental parts no bigger than several micrometres) is that of a computer whose fundamental parts are no bigger than a few nanometers.[4] There are several ways nanocomputers might be built, using mechanical, electronic, biochemical, or quantum technology. It was argued in 1998 that is unlikely that nanocomputers will be made out of semiconductor transistors (Microelectronic components that are at the core of all modern electronic devices), as they seem to perform significantly less well when shrunk to sizes under 100 nanometers.[5]
This is rather contradicted by the smallest part of current state-of-the-art microprocessors measuring 22 nm as of April 2012.[6] Moreover Intel's 5 nanometer technology outlook predicts 5 nm feature size by 2022. The International Technology Roadmap for Semiconductors gives an industrial consensus on feature scaling following Moore's Law.
Note that a Silicon-Silicon bond length is 235.2 pm,[7] which means that a 5 nm-width transistor would be 21 silicon atoms wide.
This microcomputer/microprocessor–related article is a stub. You can help Wikipedia by expanding it. |


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It seems like the start of a joke, "Did you hear about the company whose DRM was so bad it's illegal?" There's a sour punchline for Blizzard. Tim sends word of a report in the Korea Times stating that Blizzard's Korean offices have been raided by the country's Fair Trade Commission. By "raided" we don't mean they formed a geared up 24 man team of healers tanks and DPS specialists to battle security. Instead some Very Serious Men turned up and seized a bunch of documents looking to secure evidence against the company.
It all began when Korean gamers, like most gamers, had difficulty logging into Diablo 3. Many of them became so frustrated that they contacted Blizzard and demanded a refund, but the company operates a strict no refunds policy in Korea, and refused to give gamers back their money. That's when the FTC got involved. Hundreds of gamers lodged formal complaints with the body, who responded launching an investigation.
The FTC will sort through their seized documents to see if Blizzard have broken any South Korean commercial laws. It's uncertain how the case will turn out, The Verge claims that South Korean law guarantees a refund of any product within seven days if the fault is not caused by the customer, but the courts will have to decide whether whether server problems constitute a faulty product.
Patch 1.02 for Diablo 3was aimed at improving client stability and disconnection problems, but many are still experiencing intermittent issues with Error 37.


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Quest Diagnostics To Release Second Quarter 2013 Financial Results On July 18
MADISON, N.J., July 2, 2013 /PRNewswire/ -- Quest Diagnostics (NYSE: DGX), the world's leading provider of diagnostic information services, announced that it will report second quarter 2013 results on Thursday, July 18, 2013 before the market opens. It will hold its quarterly conference call to discuss the results beginning at 8:30 a.m. Eastern Time on that day.
The conference call can also be accessed in listen-only mode by dialing 415-228-4961, passcode 3214469. The company suggests participants dial in approximately 10 minutes before the call.
A replay of the call may be accessed online at www.QuestDiagnostics.com/investor or by phone at 800-856-2254 for domestic callers or 402-280-9961 for international callers. Telephone replays will be available from 10:30 a.m. Eastern Time on July 18 until midnight Eastern Time on August 16, 2013.
Anyone listening to the call is encouraged to read the company's periodic reports on file with the Securities and Exchange Commission, including the discussion of risk factors and historical results of operations and financial condition in those reports.
Quest Diagnostics is the world's leading provider of diagnostic information services that patients and doctors need to make better healthcare decisions. The company offers the broadest access to diagnostic testing services through its network of laboratories and patient service centers, and provides interpretive consultation through its extensive medical and scientific staff. Quest Diagnostics is a pioneer in developing innovative diagnostic tests and advanced healthcare information technology solutions that help improve patient care. Additional company information is available at QuestDiagnostics.com. Contacts: Dan Haemmerle (Investors): 973-520-2900 Wendy Bost (Media): 973-520-2800 SOURCE Quest DiagnosticsCheck Out Our Best Services for Investors
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Hudson in other countries
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Hudson is a leading provider of specialized recruitment, talent management and recruitment process outsourcing (RPO) services in the Americas and worldwide.
Hudson RPO helps businesses transform with end-to-end recruitment services for the full enterprise, a division or function or for special projects.
Learn more
Hudson IT provides everything you need for on-demand technical hiring, running effective technology environments and for implementing world-class learning and performance programs.
Hudson offers retained and executive search services as well as a la carte services such as source-to-slate, source-to-short list, interviewing and assessment, candidate care, background checks and negotiation and placement.
Hudson Talent Management uses innovative research & development to help organizations attract, select, develop and retain the best professional talent for their organization.
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Hudson Americas is a talent solutions firm specializing in Recruitment Process Outsourcing, Retained Search, Technology Recruitment, Recruitment Consulting and Talent Management. We deliver professionals with specific expertise and provide solutions to improve your company's effectiveness.
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The Way to Study Medicine
By Stephen Goldberg, MD
The following suggestions about how to study medicine are not the result of scientific survey, but reflect my own experience in teaching medical students for 25 years. The suggestions also arise from my service as President of the MedMaster Publishing Company for the past 27, years and from the feedback I have received from students and instructors throughout the world.
The biggest problem in medical education today is an old one: There is too much to know, and not enough time to learn it. The problem is more acute today than it has been in the past, because of the great increase in medical information and even the addition of new courses in medical school. How can you digest and remember so much information, whether it's for your general medical education or your USMLE/COMLEX review?
While memory aids such as mnemonics and humor certainly can help, it is more important that you really understand the material rather than just memorize it. Understanding it is key, because you can apply the information to a great variety of medical situations instead of using a cookbook approach that lacks understanding and applies to only a narrow spectrum of textbook medical cases. Moreover, once you understand, it becomes much easier to pick up and remember more esoteric facts, as opposed to just trying to remember isolated bits of information.
Despite the importance of reference texts, it can be difficult to go through them in the short times allotted for medical-school courses. Also, the information can be so overwhelming that it becomes difficult to see the forest for the trees, and acquire an overall understanding. While it is important to have the reference text, the initial phase of acquiring understanding is best achieved through the small book that helps you see the big picture. Once you've managed that, you can delve into the reference texts or elsewhere in greater detail as time permits, and you'll have greater success than just trying to memorize information.
Your time to study for the USMLE/COMLEX may be limited, especially since studying often needs to be done while other medical school courses are underway. While you could review a book that contains isolated facts that may appear on the boards, you won't acquire an understanding this way. While passing the boards is important, so is having the understanding necessary to be a good clinician. Ideally, you should have this before you review isolated facts for the boards. Such understanding can be achieved through the small book that focuses on clinical relevance and overall understanding, ideally read at the time the course is taken, but later if needed. The focus of the USMLE/COMLEX is on clinically relevant material, so that small book will likely contain the most relevant facts for passing it.
Once you're on the wards, the question is how to make the most efficient use of your time in continuing your medical education. Not only is your time limited, but you'll often find yourself fatigued from long periods on call. Trying to study a book like Harrison's Medicine from cover to cover is likely to be futile. You need a more efficient method of learning. Reading journals can help you keep up on current information, but your primary focus in the medical-school years should be on acquiring the general broad information that is common knowledge. This in itself is a very large task. It has often been said, and I agree, that the best way to learn and retain medicine is through patient interaction. But to supplement this learning experience, it is important to do a certain amount of critical reading. Learning from your residents can be very useful, but the literature is more likely to be accurate. The most efficient way to do this reading, in my view, is to ask specific questions about the patient conditions you've seen during the day, and then seek out specific information in your reading. You should have specific questions to research, and then look for specific answers. In that way, over time, you will have learned the most important information related to the common diseases you are likely to encounter.
In the old days, such research would mean either having the necessary reference texts at hand, which might not have the information you need, or which might be several years out of date, or going to the library to search through heavy tomes of Index Medicus for pertinent references, and then hoping the library had the corresponding journals for review. This could be time-consuming, though, and difficult to accomplish when you're already fatigued from a busy day. Today, the Internet provides a much quicker and more efficient way of searching for information. By using a general or medical-specific search engine, it is now possible to find important current and practical information about virtually any medical condition.
The ideal way to learn medicine, then, in my view, is to:
• Learn from the patient.
• Acquire a general understanding through the small, clinically relevant book that provides the overall picture, so you can see the forest rather than the trees. Humor and mnemonics can help, but understanding is key.
• Seek out particular points of information through the Internet.
• Keep a reference text at hand.
• Read journals as time allows.
Stephen Goldberg, MD
Professor Emeritus, University of Miami School of Medicine
President, the MedMaster Publishing Company
Author of:
Clinical Neuroanatomy Made Ridiculously Simple
Clinical Anatomy Made Ridiculously Simple
Clinical Biochemistry Made Ridiculously Simple
Clinical Physiology Made Ridiculously Simple
Ophthalmology Made Ridiculously Simple
The Four-Minute Neurologic Exam
Differential Diagnosis (CD part of Clinical Pathophysiology Made Ridiculously Simple)
Resident Wellness
By: Paul O'Leary, M.D.
Healthy residents care for their patients. However, multiple studies focusing on stress, burnout, and well-being demonstrate that the opposite may also be true. Burned-out, unhealthy residents simply don't do as well at caring for patients.
The study of stress and well-being aids our understanding of how to quantitatively improve the work environment using multiple models and validated scales that measure burnout. Initial studies in the late 1970s focused on how stress affected hotel staff and nurses. Then, in the early 1980s, studies about how stress affects resident physicians began to appear in publications, as well. These publications assisted efforts, during the late 1980s and 1990s, to legislate improvements in resident work environments, culminating in the 80-hour workweek that began in July of 2003. Now, researchers are broadening their focus to include resident well-being and quality of life, as well as including 'well' residents and 'stressed' residents.
As a resident, I became very interested in improving the well-being of my fellow residents. I understood that even with the changes in the work hours and the oversight of the GRE, residents were still at risk for burnout. However, workload is not the only thing that can affect one's risk. Research shows there are six major aspects to work satisfaction, and the combination of these factors can lead to either protective or detrimental effects.
Naturally, workload is one of the factors, as being overworked can lead to burnout. Another important factor is the amount of control a resident has over their workload. By having the resources necessary to do work efficiently, and by having flexibility in one's schedule, residents may protect themselves from burnout. The third factor is collegiality, or how well one gets along with others in the workplace. Fourth is rewards, not only through financial compensation, but also in recognition of a job well done. Fifth is fairness — whether tasks are divided fairly, and everyone is expected to meet the same requirements. The sixth factor is personal values; it is important that residents share the same values as the group for whom they are working.
By discussing these six aspects of work with the Residency Director, we were able to make changes to the program, which reduced the stress and level of burnout a lot of the residents were feeling. As we learn more about how to create a healthier workplace for residents, we create a healthier environment for patients, too. And that makes everyone feel better.
Paul O'Leary M.D.
AMA Psychiatry Section Council
Resident & Fellow Section Delegate
1225 50th St. South
Birmingham, AL 35222
Falcon Faculty Member Featured in New York Times
Dr. Michael Rafii's Research into Alzheimer's Disease makes Front Page News
At Falcon Reviews, our faculty members are more than top-quality PhD and MD professors with USMLE experience — they're also experienced in real-world science and research. Falcon staff member Dr. Michael Rafii's research into Alzheimer's disease was recently featured on the front page of the New York Times.
A neurologist at the University of California, San Diego, Dr. Rafii is also an investigator in a large federal study exploring the early signs of Alzheimer's. New diagnostic tests, including spinal taps, M.R.I.s, and PET scans, have made it possible for doctors to recognize the disease in its very early stages, before it manifests through observable symptoms. The advanced knowledge that an individual may be at increased risk for Alzheimer's has led to a moral dilemma regarding whether or not to share this news with patients. The New York Times article, titled "Tests Detect Alzheimer's Risks, but Should Patients Be Told?" is part of The Vanishing Mind series, focusing on the disease.
While it's exciting to discover new advances in disease detection, the information can be devastating for patients — especially when there may not be an effective treatment. Will patients benefit from the information, or will they be harmed by the certainty of an impending disease, over which they have no control? In a study conducted by Boston University, nearly a quarter of patients requested their diagnosis be revealed. So far, the psychological impact has not been negative. In fact, many patients with high-risk diagnoses responded by increasing exercise, and beginning vitamin and nutritional supplement usage, although these measures have not been shown to reduce Alzheimer's risk.
If your doctor knew you had a degenerative disease about which you could do nothing, would you want to know? As doctors, what is the greater responsibility to our patients — to inform, or to do no harm?
Click here to read the full article, and learn how a Falcon faculty member is making a difference in the world today. And be sure to explore our "Faculty" section to learn more about Falcon faculty members and how they're contributing to the world of medicine.
Wiskott-Aldrich Syndrome
By: Nathan York
Wiskott–Aldrich Syndrome (WAS) is a primary genetic disorder that results in a combined immunodeficiency syndrome in children. It is a rare disease (four cases per million live male births), with a characteristic clinical presentation, making it a good case for the USMLE. It is characterized by the triad of eczema, thrombocytopenia and recurrent fungal, bacterial and viral infections. This disease is caused by a mutation in the gene that encodes Wiskott–Aldrich syndrome protein, or WASP, which is located on the X chromosome. This gene is expressed in all hematopoietic stem cells and appears to be involved in cytoskeletal functions. Dysfunction of this protein results in progressive decrease in the number and function of T cells. This lack of functional T cells also causes an inappropriate B cell response, due to the lack of necessary cytokines for activation and class-switching. The result is an ineffectual response to foreign antigens. Interestingly, these patients develop allergic reactions and eczema as a result of elevated IgE levels in the blood.
As an X-linked disorder, this disease will only appear in males. It can manifest itself in several different ways, because of its effect on hematopoietic development. Within the first few months of life, gastrointestinal bleeding can be detected due to thrombocytopenia, and is often the first sign of the disease. This bleeding tends to become less severe as the child matures. Other early signs include the appearance of purpura and excess bleeding from circumcision. As maternal IgG decreases in the infant's blood (around six months of age), recurrent infections begin to occur, with particularly poor protection from polysaccharide and protein antigens leading to pneumonia and meningitis. Recurrent infections of any kind should automatically suggest some sort of immune deficiency in the differential diagnosis. As the child approaches one year of age, eczema and food allergies develop (See Figure 1). Remember, for the USMLE, WAS presents as the classic triad of immunodeficiency (recurrent infections), eczema and thrombocytopenia.
Diagnosis, Treatment and Prognosis
Diagnosis of WAS can be made by the following criteria:
-Demonstration of thrombocytopenia (platelet count of 5,000-10,000/uL)
-Presence of small platelets by histology (see Figure 2)
-characteristic of WAS
-Progressive decline in T cell number
-Immunoglobulin profile (decreased IgM, increased IgA and IgE, normal IgG)
Treatment of WAS includes the following:
-Bone marrow transplant (reconstitution of T and B cells)
-Splenectomy to manage thrombocytopenia
-Prompt treatment with antimicrobial agents upon infection
Prognosis of patients with WAS is bleak, if not detected. Without treatment, the average life span is approximately three years. With aggressive treatment, the average life span increases greatly, with some living more than 30 years. However, long-term survival increases risk of malignancies, especially within the lymphoid compartment.
1. Coico, R., Sunshine, G., Benjamini, E. Immunology: A Short Course (5th edition). 2003. John Wiley & Sons, Inc. Hoboken, NJ.
2. Gupta, K., Pulliam, L. Concepts in Microbiology, Immunology and Infectious Disease. 1997. Parthenon Publishing Group. New York, NY.
3. http://www.emedicine.com/med/topic1162.htm
31 Do's and Don'ts for Writing a Medical School Personal Statement
by: Mohammad O. Hussaini,MD
Do's of Writing a Medical School Personal Statement
1. Be concise.
2. Be unique.
3. Be concrete. Show; don't tell.
4. Have a theme.
5. Start early.
6. Have friends and family look over your essay.
7. Have your essay professionally edited.
8. Address any weaknesses or irregularities in a succinct, effective manner when possible.
9. Be positive.
10.Be mature and dignified in your writing style.
11. Get to the point.
12. Be interesting.
13. Subtly highlight your achievements. State them; don't harp on them.
14. Explain any transitions in your life (such as going from a corporate job to medical school).
15. Brainstorm for a long time before writing.
16. Keep the grammar and punctuation flawless.
17. Try to spin negatives into positives without dwelling on them.
18. Write in active voice, e.g., "Completed reports" instead of "Reports were completed."
19. Stay focused on one thing at a time.
20. Use stories when you can.
21. Try to get a physician to look over your personal statement.
22. Contact the admissions officer at the medical school(s) to which you are applying,
and get their input as to what they are looking for in a candidate.
23. Include wording that reflects the input from #22 above, in your personal statement.
24. Come up with an outline before writing the personal statement.
25. Revise your essay several times before submitting.
26. Even if your life is just plain blah, try your best to give it a fresh angle. Market, Market, Market.
27. Make sure your essay flows and is easy to read.
28. Be personal.
29. Demonstrate diversity, interest, honesty, commitment, compassion, drive, sensitivity and/or enthusiasm
in your essay if you can. Medical schools are looking for these qualities.
30. Close with your paragraph that summarizes the essay and ties in everything.
31. Be YOURSELF! (This is what the admissions officers repeatedly request from applicants).
Don'ts of Writing a Medical School Personal Statement
1. Don't exaggerate.
2. Don't make up information.
3. Don't wait until the last minute.
4. Don't make excuses.
5. Don't put down other applicants.
6. Don't brag.
7. Don't use the personal statement as a comedy forum.
8. Don't use clichés.
9. Don't be general.
10.Don't be too philosophical.
11. Don't be vague.
12. Don't try to use language or vocabulary that is unfamiliar to you.
13. Don't rewrite your CV or resume in prose.
14. Don't bring up negatives for which you don't have a positive explanation.
15. Don't make your personal statement one long story.
16. Don't come off as too naïve.
17. In trying to be unique, don't come across as weird.
18. Don't get into controversial topics.
19. Don't copy someone else's essay.
20. Don't submit your personal statement without thorough editing.
21. Don't rely solely on Microsoft Word's spelling and grammar check.
22. Don't be fake.
23. Don't mention that the real reason you want to go to medical school is to make a lot of money
and drive a nice car.
24. Don't fail to let the real you shine through.
25. Don't include too much information about high school achievements.
26. Don't forget to include references to research projects and publications in which you have been involved.
27. Don't include information that you will have difficult substantiating during an interview.
28. Don't start your essay with, "I want to be a doctor because…." or end your essay with, "In summary
…" or "In conclusion…"
29. Don't be afraid to start over if the essay is just not coming out right.
30. Don't be cute.
31. Don't underestimate the importance of your essay in the admission process.


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Embodied by its #19 chair and stunning corporate headquarters, both of which have won numerous awards for design excellence, Allsteel's company-wide focus is on providing customers with beautiful work tools and the "best total experience" when buying office furniture.
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Visit the Allsteel website.


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Eat the Week: Underground Market's Cease and Desist, Wings Wings Opens, Whole Foods Rap, Calbee Japanese Snacks at Westfield
1. Much ballyhoo has been made over Wings Wings, the new take-out place that opened up in the Lower Haight yesterday. The chef, Christian Ciscle from Little Skillet, promises eight varieties of free range chicken wings with sauces like a classic buffalo and Korean style. Bike delivery is soon to come.
2. Here's a rarity: a steak focus at a seasonal, local, sustainable restaurant at affordable prices. Throughout the summer, Oakland's Camino will be doing different cuts of beef for their $50 three-course, prix-fixe Mondays. One wonders where the beef is coming from, and at such a decent price, given that other steak restaurants have had to curb their menus for price-conscious diners.
3. David Tanis, the beloved head chef of Chez Panisse, launched his column for the New York Times last Tuesday. City Kitchen, with its focus on cooking out of teeny-tiny kitchens, expounded on the loveliness of beans in a conversational, over-the-picket-fence style.
4. "Lay 'dining scene' to rest. Call it an eating scene." So says long time local food writer John Birdsall. After two years of writing about SF, he's come back to the East Bay Express, and his first column takes stock of Oakland food, and Fruitvale taco trucks as pioneers of the whole food-mobile craze.
5. San Francisco's Underground Market, a food event in which the vendors use non-commercial kitchens and sell to a members-only crowd – which has grown to thousands – has come under the city's Health Department's critical eye. A cease and desist order has stopped any future gatherings, until Forage SF's Iso Rabins, who coordinates the event, can come to some agreement with the city.
6. With bated breath, Bay Area foodies watched the final episode of Top Chef Masters, and alas, our very own Traci des Jardins, a favorite for her technical chops, did not win. Floyd Cardoz, in an upset, gained the title. In an interview with GrubStreet, he readily admitted he "sucked in the Quickfires.
7. Valencia Street is almost completely soaked in full liquor licenses, according to this report from Mission Local. The 13-block stretch between 13th and 26th, could see up to 16 establishments able to serve up a cocktail. The city has established a moratorium on permitting any new licenses in the area.
8. Whole Foods lover and former Berkeley resident David Wittman, aka DJ Dave, filmed a winsome rap about Whole Foods parking, master cleanses, and Humboldt Fog, and it went viral on YouTube over the weekend.
9. For your next Westfield movie at the mall, skip the popcorn, and go for something a bit unexpected. Calbee, the Japanese maker of such fine, subtly flavored delicacies as Shrimp Flavored Chips and Snap Pea Crisps, will be opening a store of Asian snacks that you've been missing all your life at the Westfield, July 10th.
10. Is there a line at Blue Bottle? Almost always. Perhaps this website can prevent you from daunting lines.
Photo: kimubert


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Crucial Niger Delta oil production threatened, Nigerians ask where is President Yar'Adua?
LAGOS, Nigeria — A militant group in Nigeria's oil-rich delta region has called off a cease-fire that had held since July, threatening a fragile peace process in the U.S.'s fifth-largest oil supplier.
The Movement for the Emancipation of the Niger Delta (Mend), an armed group that demands a greater share of oil revenues for delta inhabitants, ended its temporary truce over the weekend. Mend heavily criticized the Nigerian government for what it sees as a continued failure to empower local communities, many of whom live in poverty despite their resource-rich land. The Mend rebels also demand that the oil companies stop the environmental degradation of the Niger Delta.
"All companies related to the oil industry in the Niger Delta should prepare for an all-out onslaught against their installations and personnel," a Mend spokesman said in a statement released over the weekend. "Nothing will be spared."
Militants' attacks on pipelines and facilities in recent years have severely dented the output of Nigeria's oil, which accounts for more than 85 percent of government revenues. Nigeria once comfortably held the title of Africa's biggest oil producer, but the country now competes for that top spot with Angola.
Oil production had been rising again during the recent lull in violence by Mend and other groups. Last month, Citibank forecast that Nigeria would pump out an average of 2.25 million barrels a day in 2010, up from 1.83 million barrels a day in 2009. This would mark an upturn after four years of falling production. Foreign oil giants present in the delta include the U.S.' ExxonMobil and Anglo-Dutch group Shell.
After the Mend rebels announced that they will resume their sabotage, Citibank told GlobalPost that it will not revise its optimistic forecast, reasoning that at least in the first half of this year attacks will not reach the levels seen in preceding years, even though it assumes sporadic attacks will resume.
The renewed call to arms thus threatens a promising period for the delta. Nigeria's President Umaru Yar'Adua last August launched an amnesty that lured thousands of youths to give up their weapons in return for stipends and training. The scheme was seen by many as a positive step and Mend extended their cease-fire indefinitely in October.
But the peace process has since stalled, as cash handouts and training courses have in many cases not materialized.
"The post-amnesty program is not going well at all," said Dimieari Von Kemedi, a state official in Bayelsa, one of Nigeria's handful of oil-producing states. "There is no credible rehabilitation program and development spending in the delta has not sped up. We have not moved one inch since disarmament."


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How to Display Blog Post Meta Data in Your WordPress Themes
Recently, we got an email from a user asking: How do you add the byline (post author, post published date, and category) below your post title on WPBeginner. These post information bylines are referred to as post meta data in WordPress. In this article, we will show you how to display blog post meta data…
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Homepage - Google+ Suggested Users, learn who to follow on Google+. The Google+ Hall of Fame. Google+ is a just one piece in Google's puzzle - Petri Mertanen's blog. Google+ is not competing with Facebook.
Of course, Google people has been doing benchmarking, but Google+ is just one piece in Google's big picture, their strategy in the long run. Google is known of its search engine, but where comes the money from? As - Social network user grouping made easy. Get Google+Facebook. Survival kit: Google+ Google+ At One Month: A Look At Highlights & Controversies. It's hard to believe that it was just one month ago today that Google+ launched.
So much has happened to the fledgling service in this short time. Here is a look at both the highlights and lowlights of Google's newest social network! What is Google+ (Google Plus) and do I need it? The Mother of All Google+ Resource Lists - TNW Apps. Much has been said about how Twitter and Facebook should be worried about Google's behemoth social network which gained 10 million followers in 16 day, as compared to Twitter's 780 days, and Facebook's even longer 852 days.
But like any new service online, people may be signing up and doing very little with their accounts. In fact, they're probably the same people who signed up for a Twitter account, updated once with something along the lines of "I'm just trying to figure this Twitter thing out," and disappeared just as fast leaving in their wake a sad little egg avatar and little else. Google Plus Reviews.


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Pulse of the Community
December 16, 2011 // 0 Comments
Question of the week: "Now that the Green Bay Packers are the Central Division Champions, can we win the Super Bowl again? Why or why not?"
Photos and question by Yvonne Kemp
Dereck Gray: "Yes we can! No one can beat us."
Wayne Young: "Yes, because of the outstanding defensive players (that include) Clay Matthews, Charles Woodson and Tramon Williams."
Gilbert Horne: "Yes we can (by) keeping the fundamentals of playing the football and playing everyone on the team."
A.J. Adams: "Yes because of Aaron Rodgers!"
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June 20, 2014 // 0 CommentsPhotos and question by Yvonne Kemp Question of the Week: "We asked four attendees of last weeke...


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Fossil CreekNOTE: The road (FR 708) from Strawberry is closed until further notice. Fossil Creek, one of two "Wild and Scenic" rivers in Arizona, seems to appear out of nowhere, gushing 20,000 gallons...[more] DirectionsFossil Creek is located about 30 miles southeast of Camp Verde or 86 miles south of Flagstaff off paved and graveled roads some of which are always steep and VERY rough and usually muddy after rains. From Camp Verde: From Interstate 17, exit 287, turn east on State Route 260 towards Payson and travel 10 miles. Between mile 228 and 229, Forest Road 708 (Fossil Creek Road) will intersect SR260 on the right, signed as Fossil Creek/ Verde River. Travel 12 miles down this rough dirt road (high-clearance vehicles recommended) to the intersection with Forest Road 502. For Day-Use Sites: Continue straight on FR708 to cross the bridge and find parking in the Tonto Bench, Irving, or Waterfall trailhead areas. For Camping: Continue straight on FR 708 to the Homestead area before you get to the bridge or turn right on FR502 for the Old Corral, Sally May, Purple Mountain, Mazatzal, or Stehr Lakebed dispersed camping areas. NOTE: The road (FR 708) from Strawberry is closed until further notice. Click map graphic for PRINTABLE view. Activities
Additional InformationArizona State Tourism>Arizona State Road Conditions>Weather InformationNational Weather Service (NOAA) |


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There are many types of people in world. Some, I daresay, are better than others.
They are the sort of folks who run marathons.
That benefit good causes, like the American Cancer Society.
And they do all these wonderful feats on the morning of their wedding.
My friend Rachel is one of these such people. While we were roaming around New Orleans, she was running a half-marathon (and simultaneously making the world a better place).
On, in case you didn't catch it the first time I said it, she ran a half-marathon in New Orleans on the morning of her wedding. But I'll get to that in a moment. (more…)


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26 Healthiest Summer Sides
by Toby Amidor in Grilling, Healthy Recipes, May 17, 2012Fat-drenched side salads are the norm when it comes to cook-outs. But lighten up the dressing and you'll be able to savor those delicious spring flavors—fresh fruit, veggies, and herbs—in every bite. Here are 26 side dishes that'll make your mouth water– all for less than 250 calories per serving.
Grilled Veggie Sides
Toss those farmers' market finds or extra veggies in your CSA box right on the grill. It's a perfectly simple way to enjoy fresh veggies.
- Grilled Bok Choy
- Grilled Scallions
- Grilled Vegetable Salad with Feta and Mint (pictured above)
- Grilled Shiitake Mushroom Salad on Mizuna with Ponzu Style Dressing
- Grilled Brussels Sprouts
- Grilled Asparagus
- "Old Bay" Grilled Steak Fries
- Garlic and Herb Sweet Potato Fries
- Marinated Grilled Cherry Tomato Skewers
- Grilled Summer Squash
Cold Veggie Salads
Dress up your salads by tossing them in your favorite dressing—just don't drown the veggies! Aim for 2 tablespoons of dressing per serving.
- Snow Pea, Radish and Scallion Salad
- Corn and Asparagus Salad
- Cucumber Salad
- Creamy Broccoli Slaw
- Chopped Salad with Lemon and Dill
- Spinach and Strawberry Salad
- Cucumber and Watercress Salad
- Tomato Fennel Salad
- Black-Eyed Pea and Spinach Salad
Grain Salads
Grain salads are the perfect way to enjoy whole grains and get your daily dose of fiber. These salads have less than 250 calories each because portions are kept to about ¾-cup servings.
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Nike Women's Brasilia II Jersey - Green
Opponents will feel beat before the coin toss, when your team is sporting the new Nike Women's Brasilia II jersey.
In light blue with white piping, this short sleeve, crew neck jersey will provide comfort and style with its no fuss design. Dri-FIT technology from Nike will ensure that moisture is wicked away from the skin, evaporating quickly on the surface of the jersey. The Nike Brasilia II jersey is the best that women's soccer apparel has to offer.
Gender | Womens |
Brand | Nike |
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If you're a dog or you know somebody who has a dog, and if you (if you're a dog) or the dog you know has his leg in a splint or a cast, this blog post is for you!
Well, here is what my parents don't want me to do. Here is what my doctors don't want me to do. And here is what my doctors say that if they see me doing, and if they notice my bandages getting wet, they have to bring me to the hospital.
My doctors and my parents don't want me licking my bandages.
First of all, licking my bandages may indicate that I'm uncomfortable and that I have an infection. Also, wet bandages may tighten up and cause problems for my circulation.
When my parents see me doing this, the collar that I hate so much has to go on. Then, if my parents have to bring me to the hospital, I have to be examined for signs of infection. I also have to have my bandages changed. Once I chewed up my splint so much the doctors had to make me a completely new splint.
This isn't the first time I was licking my bandages, by the way. It is, however, one time that I was caught on camera!


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Hot topic! Christina looked good while doing good at a fundraising event in California on Jan. 28. She covered her roots with a cool hat but showed off her blonde waves and bold lips on the carpet. Do you love her makeup look?
Christina Aguilera, 33, showed off her inner city chic, long blonde locks and perfectly placed make up while attending the Stand Up To Cancer event in Culver City, Calif. on Jan. 28. Christina shows that being a beautiful working mom is possible. While her fashion for this event was a little laid back, her make up selection was bold and sexy! Find out how you can re-create this look!
Christina Aguilera Is Skinny — Shows Off Sexy Body At Fundraiser
Seems like someone is comfortable in their skin! Christina has always been a classic beauty so when she showed up to the Stand Up To Cancer event on January 28, we were not surprised at how perfect she looked.
Her porcelain skin beamed bright as her hair framed her face perfectly. The lightly curled blonde locks peeked out of her casually placed fedora hat. This hair look can easily be obtained by using a curling wand and running your hands through the curls, allowing them to relax until you receive your desired look. A little hair spray of your choice will help set the hair and lock it in place.
Christina's Flawless Makeup — Bold Lips
Christina is rocking a full coverage foundation to help with longevity. Her face is highlighted to perfection and contoured to give a defined look.
For the eyes, Christina seems to be wearing a dark purple/plum color eyeshadow in her crease and a light golden color on her lid. Her eyebrow highlight is a nude, skin tone shadow and her lashes are full, flirty, and dramatic. Although the eyes are bold, she decided to intensify the look with a beautiful glossed lip.
This look was completed with a nude eyeliner, smudged light brown shadow under the waterline, and pink blush. While this look is absolutely beautiful, it can be a little heavy for every day wear. However, if you are a person who likes to bring the celebrity look to life, then by all means, try it!
Would you rock this look, HollywoodLifers?
– Jenn Baez
More Christina Aguilera Beauty News:
- Christina Aguilera Fights Back Against Lipo Report After 35 Lb Weight Loss
- Christina Aguilera Rocks A Pretty, $218 Printed Dress On 'The Voice'
- Christina Aguilera Shows Off Shocking Weight Loss At AMAs 1 Year Later
View Comment
Posted at 10:44 AM on February 1, 2014
Posted at 1:43 PM on February 1, 2014
Agreed she's the fakest and the meanest.Christina's problem is that she tries to be someone she's not and that is why she is not comfortable in her skin.Years of Chrisitna Aguilera being a Marilyn Monroe wannabe has made her fake looking.She kept insisting she was comfortable in her skin when she was bigger and caved in to people like a sheep.
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