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31 July 2013
"With our customers using more gas to stay warm during the unusually cold winter, we're doing everything we can to help them keep their energy costs under control and make bills simpler and clearer. We are also delivering for our shareholders, enabling us to continue to grow the business and invest to secure energy supplies for the future."
Sam Laidlaw
Chief Executive
Unless otherwise stated, all references to operating profit or loss, taxation and earnings numbers throughout the announcement are adjusted figures, as reconciled to their statutory equivalents in the Group Financial Review on pages 6 and 7. Statutory earnings for the period are £819 million.
|For the period ended 30 June
The Group has applied IAS19 (revised) pensions accounting. As a result, 2012 net finance costs, taxation, earnings and earnings per share have been restated.
To reflect a new organisational structure, the North American upstream gas business and North American power and midstream and trading businesses have been reallocated from Direct Energy upstream and wholesale to Centrica Energy International gas and Direct Energy business energy supply respectively.
|Revenue from continuing operations
|Adjusted operating profit
|International Downstream
|British Gas
|Residential energy supply
|Residential services
|Business energy supply and services
|Total British Gas
|Direct Energy
|Residential energy supply
|Business energy supply
|Residential and business services
|Total Direct Energy
|International Upstream
|International gas
|UK power
|Total Centrica Energy
|Centrica Storage
|Total adjusted operating profit
|Total adjusted taxation charge
|Total adjusted effective tax rate
|Adjusted earnings
|Adjusted basic earnings per share
|Interim dividend per share
|Group capital and acquisition expenditure
|For the period ended:
|30 Jun 2013
|31 Dec 2012
|British Gas residential energy customer accounts (period end, '000)1
|British Gas services product holdings (period end, '000)
|British Gas business energy supply points (period end, '000)
|Direct Energy residential energy and services accounts (period end, '000)
|For the period ended 30 June
|Direct Energy business energy supply electricity volumes (TWh)
|International Upstream gas production (mmth)
|International Upstream liquids production (mmboe)
|International Upstream total gas and liquids production (mmboe)
|UK power generated (TWh)
|Lost time injury frequency rate (per 100,000 hours worked)
1. British Gas residential energy customer accounts as at 31 Dec 2012 have been restated to exclude 38,000 accounts subsequently reclassified as dormant.
|For the period ended 30 June 2013
|Operating profit from continuing operations:
|£1,590m (2012: £1,767m)
|Profit from continuing operations before taxation:
|£1,487m (2012: £1,665m)
|£819m (2012: £976m)
|Basic earnings per ordinary share:
|15.8p (2012: 18.9p)
Centrica delivered a strong operational performance in the first half. Downstream, we continued to add residential customer accounts, while taking the lead in innovation, simplicity and transparency to help customers take control of their energy requirements. Upstream, our assets performed well, particularly during the prolonged cold weather experienced in the UK this winter, helping to deliver the energy the country needed. Helping our customers to keep their homes warm and well-lit is a core responsibility, alongside our wider contribution through the investments we make, the jobs we provide and the taxes we pay.
In the UK, affordability remains a key issue for customers and energy suppliers, as well as for the Government and Regulators. As a result of the cold weather, residential gas consumption in the first half was substantially higher than last year, more than offsetting the underlying efficiency savings delivered through insulation and more efficient boilers. In addition, the unit cost of gas and electricity was higher in the period compared to 2012 and the cost of delivering environmental obligations is increasing substantially.
Improving transparency is a core requirement for the industry, helping consumers understand their bill and empowering them to choose the best deal for them. We continue to make good progress in simplifying our energy offering, and have already implemented many of the recommendations set out by Ofgem in their Retail Market Review. We already publish a breakdown of costs on all our bills and have introduced a standing charge and single unit tariff structure, while our unique 'Tariff Check', where we contact customers every six months, enables them to check that they are on the most appropriate tariff for them. We currently have five tariffs and expect to move down to four, in line with the Ofgem recommendations, by the end of the year. And for business customers, in July we announced that we would be the first energy supplier to commit to ending auto-rollover contracts, an important step in building trust and ensuring our customers have a transparent choice of products.
We continue to make substantial investments across the Group, organically and through acquisition. Upstream, we are delivering increased gas and oil production across our international portfolio, benefiting from the full effect of acquisitions in the North Sea, and bringing new projects on stream. In offshore wind, we are on track to complete full commissioning of the £1 billion Lincs offshore wind farm later this year. Downstream, we are benefiting from enhanced scale in North America following the successful integration of our recent NYSEG Solutions and Energetix acquisition, while the recent acquisition of Bounce Energy adds further customers and a leading internet-based platform. British Gas and Direct Energy both continue to invest in innovative solutions to help our customers manage their energy requirements.
In February, recognising the increasingly international nature of worldwide gas markets, we set out our strategic priorities - Innovate to drive growth and service excellence; Integrate our natural gas business, linked to our core markets, and; Increase our returns through efficiency and continued capital discipline. We have already made good progress towards these objectives:
Our vision is to be the leading integrated energy company, with customers at its core. We will seek to maintain our competitive edge, continually sharpening the business and making the right investment choices – for the benefit of customers and investors. Health and safety remains a key priority and our lost time injury frequency rate reduced by 33% in the first half of the year.
In the UK, British Gas Residential performed well in the first half. We increased our residential energy customer base, adding 56,000 accounts, reflecting the combination of a competitive pricing position and our leading digital platform.
Against a backdrop of sustained cold weather, average residential gas consumption was up 13% compared to last year and significantly above seasonal normal levels, while commodity costs experienced short term volatility as a result of the increased demand. The business is also facing substantially higher costs for environmental obligations and network charges. We are working with local authorities to meet our responsibilities under the new ECO programme, although it is clear that the costs associated with the programme will be significantly higher than those under previous environmental initiatives, reflecting the challenging targets set.
We announced in May that, recognising the economic pressures facing many of our customers and the impact of the cold weather in the first half, any benefit arising from increased consumption would be used to maintain our price competitiveness. In this context, we have absorbed the significant increase in environmental costs during the period. Full year profitability of the residential energy supply business is expected to be in line with 2012.
In British Gas Services, we were able to respond well to record numbers of callouts for boiler breakdowns during the cold weather, although this has resulted in some additional costs. With economic conditions making the sale of new products difficult, retention rates remain high, underlining the value our customers place on the service. We continue to focus on delivering cost savings, and expect to deliver revenue growth through the targeting of under-served segments, such as the private rental sector, and through affinity partnerships.
In British Gas Business, the economic backdrop remains challenging. We have now commenced the implementation of a new billing system, which is proceeding to plan and is due to be completed in the first half of 2014. As a result, we expect to deliver improved service at reduced cost, delivering growth over time, with B2B services playing an increasingly important role.
In North America, Direct Energy is benefiting from enhanced scale due to organic growth and acquisitions in the US, and from the move to our new centralised headquarters in Houston. In Direct Energy Residential, we experienced the continued decline of our Ontario customer base, as expected, due to the challenging regulatory environment. However, we continue to deliver profit growth in the US North East, as we benefit from organic growth and the full year effect of the NYSEG Solutions and Energetix acquisition. In Direct Energy Business we are achieving higher volumes, reflecting strong sales activity in the prior year. Rising gas and power prices in North America have led to some narrowing of margins in both residential and business energy supply, but over time this should benefit our upstream activities.
Innovation is central to our activities both in the UK and North America, enabling customers to take better control of their energy requirements and offering attractive propositions. We will seek to build on our leading positions in smart and digital and the recent acquisition of Bounce Energy will allow us to further develop our online capabilities in North America. We will look to share our experience across the business to drive growth and improve retention, maximising the benefit of our combined energy and services offerings in each market over time.
Operational performance from our international gas and oil portfolio has been strong in the year to date, and we are on track to deliver a production increase of nearly 20% for the full year. This includes the impact of production from the York and Rhyl fields, which both delivered first gas in the first quarter, and 100% of the production from the acquisition of a package of Canadian gas assets from Suncor, which is due to be completed around the beginning of September.
In UK power generation, nuclear output was once again good, following on from a strong performance in 2012. However the environment for gas-fired generation remains extremely challenging, with the combination of a well-supplied market and relatively cheap coal and carbon resulting in our gas-fired power fleet being loss making. The business also faced the impact of the loss of free carbon allocations, accounting for much of the decrease in profitability compared to the prior year.
In UK storage, Rough performed very well during periods of sustained withdrawal resulting from the unusually cold weather, although market conditions are challenging, with lower seasonal spreads expected to affect the profitability of the business in the second half of 2013.
In the first half of the year, Centrica invested over £750 million – around £500 million of which was in North Sea gas and oil projects – and we have now fully commissioned 55 out of 75 turbines at our 270MW Lincs offshore wind farm. For the full year, we expect to invest £1.5 billion organically across the Group, including around £1 billion in upstream projects such as Cygnus, Valemon, York and Kew. These investments are important for the UK, helping to secure long term supplies of gas for our customers and providing jobs. We also continue to look for opportunities to invest outside the UK where we see value, as evidenced by the Suncor transaction.
In June, the Government announced proposals for market capacity payments and for investment in renewables as part of its review of Electricity Market Reform. We welcomed the announcement that a capacity mechanism would be introduced, with the first auction expected in 2014. The proposals also included the draft Contract for Difference strike prices, applicable to renewable power generation including offshore wind projects and we are awaiting the final outcome of the consultation to determine the implications for our Race Bank offshore wind farm project. We also retain the option to build further offshore wind projects, in partnership with DONG, in the Round 3 Irish Sea zone, and have options for new build gas-fired generation, including consent to build a 1GW CCGT plant on our existing site at Kings Lynn, subject to appropriate returns on these projects. In gas storage, we have two potentially attractive projects, Baird and Caythorpe, although under current market conditions a support mechanism is likely to be required to underpin investment in new storage facilities.
Maintaining capital discipline is a core priority. All our investments are benchmarked against returns to shareholders, and we will return surplus cash flow to shareholders where appropriate, as evidenced by our current share repurchase programme. We have also continued to grow the dividend, increasing it in real terms each year and paying it all in cash. The Board is proposing an interim dividend of 4.92 pence per share, to be paid on 13 November 2013 to shareholders on the register on 27 September 2013, in line with our established practice of paying an interim dividend of 30% of the prior year full year dividend.
Overall the business performed well in the first half of 2013, with earnings up slightly on the same period in 2012, and subject to weather conditions, commodity prices and asset performance, we remain on track to deliver earnings growth in line with expectations for the full year.
Further out, we expect continued organic profit growth in North America and in UK home services, while we will continue to benefit from the integration of previous acquisitions. Weak spark spreads will continue to make our UK gas-fired power stations loss making, and reduced seasonal gas price spreads will impact the profitability of our UK gas storage activities. However across the Group we continue to focus on delivering further improvement in service levels, developing our industry leading propositions and digital platform, and maintaining tight cost control.
We have a strong balance sheet and a range of investment options. However we will maintain capital discipline, only investing where we see appropriate returns – further strengthening the business for the benefit of customers and shareholders alike.
This announcement does not constitute an invitation to underwrite, subscribe for, or otherwise acquire or dispose of any Centrica shares or other securities.
This announcement contains certain forward-looking statements with respect to the financial condition, results, operations and businesses of Centrica plc. These statements and forecasts involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. There are a number of factors that could cause actual results or developments to differ materially from those expressed or implied by these forward-looking statements and forecasts.
Past performance is no guide to future performance and persons needing advice should consult an independent financial adviser.
Centrica will hold its 2013 Interim Results presentation for analysts and institutional investors at 9.30am (UK) on Wednesday 31 July 2013. There will be a live audio webcast of the presentation and slides from 9.30am at www.centrica.com/investors.
A live audio broadcast of the presentation will be available by dialling in using the following number:
+ 44 20 3059 8125
The call title is "Centrica plc Interim Results 2013 Announcement".
An archived webcast and full transcript of the presentation and the question and answer session will be available on the website on Friday 2 August 2013.
Investors and Analysts:
Andrew Page
Director of
Investor Relations
|01753 494 900
|Centrica Media Relations
|0800 107 7014
|Ex-dividend date for 2013 interim dividend
|25 September 2013
|Record date for 2013 interim dividend
|27 September 2013
|Payment date for 2013 interim dividend
|13 November 2013
|Interim Management Statement
|14 November 2013
|2013 Preliminary Results announcement
|20 February 2014
Maidenhead Road,
Berkshire SL4 5GD
Download the full 2013 Interim results announcement in PDF format (0.41Mb)
27 April 2015
02 April 2015


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Teenage Pregnancy Options is meant to be a practical guide for Parents of Teenagers who find themselves part of an unplanned Teenage Pregnancy.
Both Teenagers are going to be shocked, frightened, confused and probably angry. This is exactly how the Parents of those Teenagers are going to feel also.
Dealing with Teen Issues such as Teenage Parenting is not what most Parents have in mind when they think about their Teenage children, but an unplanned pregnancy and the revelation that your Teenager has been sexually active (if you were not previously aware) are enough the throw Parents into a veritable cauldron of powerful and conflicted emotions.
Start out by counting to ten (working your way down from a million) if you need to in order to think clearly and talk calmly.
Teenage Pregnancy Options are not only for Teenagers to consider but also for their Parents since Parents of a Teenager who still lives at home have LEGAL, PARENTAL RIGHTS over their minor children who still live at home.
Parents Do Not have the legal right to dictate what their Teenage daughter ultimately does about her unplanned Teenage Pregnancy Options.
Parents please tread very lightly with this:
Parents can advise, persuade and help to reason problems out, but the Teenage mother, no matter how young she may be, has the legal rights to her unborn child.
That is simply the way it is.
Teenage boys have no legal rights whatsoever after the conception and before the birth. This is because paternity cannot be proven until after a child is born.
Share Your
Pregnancy Story
story WILL make a difference.
Show you care; Share now!
Share Your
Pregnancy Story
story WILL make a difference.
Show you care; Share now!
No proven paternity = No parental rights.
Some Teenagers will confide in their Parents about an unplanned pregnancy and ask "what do I do now"?
Resist the urge to reply "Well don't you think you've done enough already"?
As satisfying as this may seem, it won't be helpful to the situation at hand
Be grateful if your Teenager confides in you as many choose not to seek their Parent's aid and support when considering their Teenage Pregnancy Options.
Teenage Pregnancy Options is to make hard, practical decisions during a very emotional, confusing and anything but practical period of time.
The questions, answers, and options are different for both the Teenage boys and girls, and decisions made by one of the two will invariably affect both of them to a greater or lesser degree, and will likely affect both families as well.
What Parents decide to do can also affect all of the above, so think of the ramifications and possible 'unintended consequences' of your parental choices and then choose wisely.
Some of the questions Parents should be considering at this time, though the ultimate Teenage Pregnancy Options chosen cannot come from them but must come from the Teenage mother, are as follows:
• Will your Teenager keep the baby?
• If not, will she choose to abort the baby or give the child up for adoption?
Note: Abortions are nearly ALWAYS followed by a crushing weight of guilt and doubt, and are viewed as morally wrong in most religions. I would never support such an option but do realize that this is a viable option for many.
In fact, the wife of a friend of mine recently had to be checked into a mental facility over grief and guilt she still feels about an abortion she had over 20 years ago!
So please think deeply about doing anything you may regret later on in life. Some things in life cannot be undone.
• If the baby is given up for adoption, does your State allow you to seek Grandparent visitation rights under the adoption agreement?
• Are you as a Grandparent interested in seeking these rights?
• Will your pregnant Teenage daughter stay in school during and after the pregnancy?
• Will the Teenage father choose to be involved in the baby's life?
• Who will financially provide for this new child?
It is true that fathers are legally liable for future Child Support Payments, but how much earning power does a Teenager really have?
• Do you as the Parent want the Teenage father involved with your daughter and/or with this child?
Note: Parents have been known to relocate their places of residence to stop unwanted relationships, though this is a drastic measure that is not a permanent solution by any means.
Parental wants and wishes may not have a practical application in these matters.
• Do the Teenage Parents want to get married, and if so are they capable and responsible enough to do so?
In most cases this in not a viable option for all of the obvious reasons you can readily think of, though success and happiness in choosing this option is not an impossibility either.
• What will life be like for your Teenage daughter as a single mother?
The questions can be never-ending.
As always, I only offer tough questions for you to consider regarding these Teenage Pregnancy Options and the many other options available that are just too numerous to mention.
Tough questions require tough answers, and that hard work is left for you as the Parent and for your affected Teenage child to answer and work out as best as you all can.
If you still have younger children in the home, a frank discussion regarding Teenage Pregnancy Prevention may be in order to help prevent similar family complications in the future.
Though it is impossible to list all of the Teenage Pregnancy Options available, as they are as varied as the stories and circumstances and Teenagers behind each one of them, it will suit our purposes to mention a few of the major Teenage Pregnancy Options Teenagers facing an unplanned pregnancy will have to face.
Some Teenage Pregnancy Options for Teenage Girls
If The Teenage Mother Decides Not To Keep The Baby
• Do you (The Teenage Mother) choose Adoption to a member of your family, extended family, a close family friend or to an unknown outside party?
• Do you choose a semi-open adoption where information such as letters and photos are shared between the adopting parents and the placing Teenage Mother? These semi-open adoptions usually don't have any post-placement face-to-face visitation or communication between the biological Parents and the child.
• Do you choose a closed adoption where the adopting parents and the placing Teenage mother never meet, don't communicate and generally know little to nothing about each other?
• Do you choose to Abort the Baby?
Note: Once again I Strongly Recommend that this only be considered an option of absolute last resort, since the emotional and moral scars that can and do occur by choosing this option are impossible to overstate.
Go look for and read what others who have chosen this path have to say about their decision 5, 10 or even 20 years later. Almost without exception those questioned continue to live with guilt and remorse and almost universally wish they had given their babies life and had put them up for adoption instead.
If The Teenage Mother Decides To Keep Her Baby
• Do you (The Teenage Mother) seek to maintain a relationship with the Teenage father or not?
- What form will that relationship take?
- Do you envision a future marriage and the creation of a family?
- Does the Teenage father feel the same way?
- Is marriage even a viable option at this time?
• Who is going to support you and the baby financially?
- Parents?
- Child Support?
- Government Assistance?
• Are you going to stay in school, even after the baby is born?
• Who is going to help you with emotional and moral support?
- Church?
- Family?
- Friends?
- Support Groups?
• Are you prepared to take care of yourself and your growing baby?
- Doctor visits?
- Prenatal vitamins, check-ups and birthing classes?
- Have you stopped bad habits like smoking and not getting enough rest?
- Are you eating right and getting enough exercise?
The possibilities are literally endless.
Some Teenage Pregnancy Options for Teenage Boys
• You (The Teenage Father) have NO Parental rights or any say whatsoever in what a Teenage mother does with or about an unplanned Teenage Pregnancy since paternity cannot be proven until after a child is born.
• The hard truth for Teenage fathers is the only real choice you have is whether or not you decide to participate in activities that lead to Teenage Pregnancy. Once a pregnancy has occurred you have no say at all regarding what happens in that pregnancy, legally speaking of course.
• If the child is born and it can be proven that you are the father, you will likely be required by the courts to pay some form of Child Support Payments until the child is 18 years old.
• Do you want to maintain a relationship with the Teenage mother?
- Does she want the same thing?
- Does her parents support or oppose you having a relationship with the mother and/or with the baby?
- Do you want to marry the mother and start a family?
- How will you financially support a family?
- How will you financially support a child?
• Do you want to stay involved in the child's life and future?
- Does the Teenage mother feel the same way?
- How much are you willing to give of yourself and to serve and parent your child if allowed to do so?
- Are you willing and able to take an active role in the parenting of your new child?
- Is your current lifestyle a Healthy Parental Example for a young child to follow, or do you need to make some course corrections in your life?
• Teenage Fathers have the same parental rights to the child as the mother does after birth, namely visitation and even Child Custody Rights.
• Do your Parents want to be involved with the child once it is born? Grandparents can assert visitation rights to be involved in the life of their Grandchild if these rights are not extended to them voluntarily.
• Teenage father who don't want to be involved in the life of their child may legally resign all rights to their child, which the courts may or may not accept.
Note: This does not relieve the Teenage father from their duties towards their child.
This 'relief of paternal duty' can only occur if the child is legally adopted and those rights and duties are legally transferred over to the adoptive parents.
As can be clearly seen, the best Teenage Pregnancy Options are those that are freely and voluntarily exercised BEFORE a Teenage Pregnancy occurs.
Once there is a baby resting comfortably with its mother the options for both Teenage mothers and fathers are drastically limited.
Parents need to remember that even good Teenagers can make bad decisions, and it only takes once such bad decision to set in motion all of that which we have been talking about.
Your children need your parenting love, skills, teachings and an open and honest channel of parental communication.
Teenage children need these things more than most.
Teenagers who are confronted with deciding between various Teenage Pregnancy Options need all of the above more than any other child in the world.
We as Parents need to remain humble and forgiving; if our children succeed we are only partially responsible, and if they take some wrong steps along the way we are only partially to blame.
We as Parents can lead and direct, but our children must make their own decisions and live their own lives, especially Teenage children who are fast approaching adulthood and ultimate personal independence.
The topic of Teenage Pregnancy is too important to cover in one single page, so please read these additional pages on the subject:
• Teenage Pregnancy – A Parental Perspective
Learn how to help your Teenager in need and how to come to terms with your own painful and confusing Parental emotions regarding Teenage Pregnancy.
• Teenage Pregnancy – Prevention
What Parents can do to help prevent an unplanned pregnancy in the lives of the Teenagers they love.
• Teenage Pregnancy – Teenage Mothers
Learn how Parents can support, guide and direct their Teenage sons and daughters who are involved in a Teenage Pregnancy where the Teenage Mother has decided to have and keep the baby.
There is a lot more parenting wisdom to share. Here is another Teenage Pregnancy Options thought: Be the Parent who lovingly and empathetically helps their Teenage son or daughter through the difficult and confusing choices surrounding an unplanned Teenage Pregnancy so that your Teenager can once again be happy with the actions they are taking and the life they are striving to live at any time, for any reason, over and over again.
Teenage Pregnancy Options Are Just The Time, The Place, And The Event For Parents To Show Their Love, Solidarity, And Determination Towards Their Teenage Children Who Need Them Now More Than Ever Before!
Return from the Teenage Pregnancy Options Page to the Teenage Parenting Page

subset: commoncrawl


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Now in Zagreb
I am sorry to say that Jurgen really let his country down in Davis Cup. He lost both his matches to players ranked far below him. He was expected to win both and since Knowle/Peya won their doubles that would have meant a win for Austria.
Now he is in Zagreb. He will play his first singles tomorrow. He is seeded 4th. In doubles he is back playing with Petzschner and they won their first match today.
Re: Now in Zagreb
Jurgen won his first round singles match. That is more like it.
My computer is giving me fits so if I do not post his results and you know them. Please do it for me. Thanks.
Re: Now in Zagreb
Jurgen has reached the semi-finals by defeating Rosol 6-4, 6-4. Next he will play the winner of his doubles partner Petzschner or Robin Hasse.
He still has to play doubles today.
Re: Now in Zagreb
Jurgen has reached the finals in Zagreb by defeating Robin Hasse 7-6, 6-3.
He will play the winner between Cilic and Youzhny.
Sorry that Jurgen and Petzschner lost in doubles yesterday in a very close match.
Julian Knowle and his partner have reached the finals in the doubles.
Re: Now in Zagreb
This from the ATP
Twenty four hours after he recorded his 300th tour-level match victory, Jurgen Melzer advanced to the PBZ Zagreb Indoors final.
The former World No. 8 will bid to capture his fifth ATP World Tour title (4-7 overall) on Sunday after the fourth-seeded Austrian knocked out Robin Haase of the Netherlands 7-6(2), 6-3 in 83 minutes.
Three of Melzer's four trophies have come indoors at 2009-Vienna (d. Cilic), 2010-Vienna (d. Haider-Maurer) and 2012 Memphis (d. Raonic).
Re: Now in Zagreb
Jurgen will play Marin Cilic in the finals.
Re: Now in Zagreb
Jurgen lost to Cilic 1-6, 3-6. It is great that he reached the finals.
I believe his next tournament will be Memphis, USA.
By the way, Julian Knowle and his partner won the doubles.
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By Marc Middleton | April 10, 2012 | Comments
This is the same area that Hall was arrested in back in the summer of 2011.
The last we heard on Hall was that he had been admitted back into rehab a few weeks ago. Apparently Hall was let out as the arrest happened just last Friday night.
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Welcome to the fellowship in pediatric infectious diseases at Hasbro Children's Hospital. Our overarching goal is to prepare pediatricians to successfully undertake a career in the field of pediatric infectious diseases.
For further information, please contact the fellowship program director, Penelope Dennehy, MD, at firstname.lastname@example.com or the program coordinator at 401-444-8360.


text:
Paula Stephan
Professor of Economics
Specialties: Economics of Science, Immigrant Scientists, Innovation and Geography, Role of University Scientists
Harvard University Press, January 2012
Stephan's research interests focus on the careers of scientists and engineers and the process by which knowledge moves across institutional boundaries in the economy. Stephan currently serves on the National Research Council Board on Higher Education and Workforce. She served on the National Advisory General Medical Sciences Council, National Institutes of Health, 2005-2009 and served on the Advisory Committee of the Social, Behavioral, and Economics Program, National Science Foundation, 2001-2008. She was a member of the European Commission High-Level Expert Group that authored the report "Frontier Research: The European Challenge." She has served on a number of National Research Council committees including the committee on Dimensions, Causes, and Implications of Recent Trends in the Careers of Life Scientists, Committee on Methods of Forecasting Demand and Supply of Doctoral Scientists and Engineers, and the Committee on Policy Implications of International Graduate Students and Postdoctoral Scholars in the United States. Her research has been supported by the Alfred P. Sloan Foundation, the Andrew W. Mellow Foundation, and the National Science Foundation. Dr. Stephan graduated from Grinnell College (Phi Beta Kappa) with a B.A. in Economics and earned both her M.A. and Ph.D. in Economics from the University of Michigan. She has been a visiting scholar at Katholeike Universiteit Leuven, Belgium, spring 2005, a Wertheim Fellow, Harvard University, February 2007, and an ICER fellow, Turin, Italy, fall 2009, spring 2011, and fall 2011. She has also been a visiting scholar at the Department of Economics, Cognetti de Martiis, University of Torino, spring 2011 and fall 2011.
Stephan is a research associate, National Bureau of Economic Research.
Stephan has published numerous articles in journals such as The American Economic Review, Science, The Journal of Economic Literature, Economic Inquiry, The International Economic Review and Social Studies of Science. She co-wrote, with Sharon Levin, Striking the Mother Lode in Science (Oxford University Press, 1992).


text:
press release
Mpumalanga Community Safety, Security and Liaison MEC, Mr Vusi Shongwe would like to wish all Mpumalanga residents and all visitors a safe, secure and crime-free festive season.
Shongwe said that as per the departments and SAPS Festive Season plan, traffic officers and police will continue to be visible during this time to ensure that law and order prevails in the province.
This period is usually characterised by a high volume of traffic with vehicles travelling to and from and across the province. Rogue and barbaric elements will also take advantage of the festive season and target good citizens in order to illegally benefit from them.
"This must come to an end, our people must enjoy with their families and our visitors should be protected so that they can come back to the province to invest. Those who violate road rules and regulations will also be targeted by law enforcers.
The department will also ensure continued road safety education and visibility of tourist safety monitors at the various tourists' attraction areas and an appeal is made to the community to also assist the police by reporting any suspicious and illegal activities," said Shongwe.
Shongwe has urged the communities to enjoy responsibly because drunk driving will under no circumstances be tolerated and those found driving under the influence of alcohol will face the consequences because the police together with the traffic officers will be in full force during this time of the year to enforce the law.
Shongwe added that the department together with SAPS will continue with the Overall Friday Campaign of the department which includes raiding of liquor trading outlets to ensure continued compliance with the conditions of their trading licenses because contact crime usually happens when people leave these establishments.
"We have noted that accidents have increased in the 2011/2012 statistics compared to the previous ones, we remain committed in decreasing accidents this festive season by 5 percent and we will not rest to ensure that the target is met," emphasised Shongwe.
Motorists, passengers and pedestrians can also assist government to meet this target by adhering to the following:
Don't drink and drive
Remember speed kills
Don't use cell phones while driving
Don't overload
Ensure the road worthiness of your vehicle before undertaking a trip
When taking a long trip, rest after every two hours
Be visible when walking at night and switch on your head light
Don't bribe traffic officers
"Together, let's fight crime and road carnage".


text:
Burma Topics
Democracy Now! stories, posts and pages that relate to Burma
- The Asia Society, a corporate sponsored group purporting to have an interest in Asian culture, is hosting a speech in New York today by Wing Aung, the Foreign Minister for Burma's military junta. Over 1,500 political prisoners languish in Burma's jails under the country's repressive regime, which boasts the dubious title of holding the youngest prisoner of conscience–a three year old boy.September 24, 1999 | Story
- Myanmar has sentenced a second British activist to hard labor for protesting against the military government, drawing the concern of family members and diplomats, and further attention to political repression in the former Burma.September 21, 1999 | Story
- 18 students who were deported from Burma last week are denouncing the military government. The students were arrested for passing out pro-democracy literature to the Burmese people. Specifically, the students passed out cards telling people to remember the ten-year anniversary of an uprising against the military regime. The students were tried, convicted, and sentenced to five years hard labor. They were immediately deported after receiving...August 18, 1998 | Story
- International pressure on the Burmese military junta was stepped up yesterday to release 18 foreign activists detained in Rangoon on Sunday for distributing pro-democracy leaflets on the tenth anniversary of a bloody massacre by government troops. The group includes six U.S. college students from the Free Burma Coalition.August 14, 1998 | Story
- "Burma's military junta has locked up more than 1,000 pro-democracyactivists in recent years. Long prison sentences under harsh conditionsare debilitating enough, but another threat in the cellblocks is helpingthe government eliminate its opposition: AIDS." — That's the beginning ofa recent Boston Globe article, also featured in the San Francisco Guardian,by investigative reporters Dennis Bernstein and Leslie Kean.January 20, 1998 | Story
- Burmese democracy activists have long charged that the military regime in the Asian country has been deeply involved in the illegal trafficking of heroin. Now a new report in The Nation magazine this week not only examines official Burmese government corruption, but ties US investment banks to the dirty business of laundering drug money.October 07, 1997 | Story
- The government of Burma this week launched a crackdown on pro-democracy activists, arresting at least 50 members of Nobel Peace Prize winner Mrs Aung San Suu Kyi's political party — the National League for Democracy.May 26, 1997 | Story
The arrests came as US sanctions against the military regime of Burma —-
known as SLORC -— came into effect this week. The Clinton administration
has banned new investment in Burma, but continues to allow...
- The government of Burma this week launched a crackdown on pro-democracy activists, arresting at least 50 members of Nobel Peace Prize winner Mrs Aung San Suu Kyi's political party — the National League for Democracy.May 23, 1997 | Story
The arrests came as US sanctions against the military regime of Burma —-
known as SLORC -— came into effect this week. The Clinton administration
has banned new investment in Burma, but continues to allow...
- In recent weeks, Burma's military leadership has launchedMarch 03, 1997 | Story
attacks on the only remaining ethnic group that his resisted the
dictatorship — the Karens and their organization the Karen
National Union. Thousands have fled their homes and villages,
fleeing toward neighboring Thailand.
Groups ranging from Amnesty International to the U.S. Refugee
Committee have condemned the offensive by Burma's State
Law and Order Restoration...
- The Burmese students staged a small scale brief protest in the capital city in which they played hide and seek with the military. With the crackdown in Burma, we will talk to Aung San Suu Kyi the head of the National League for Democracy believed to be the rightful president of Burma and also a Noble peace prize winner. She talks about the changes of the last few weeks. She also talks in support of the student demonstrations and the arrested...December 11, 1996 | Story
Show for Jul 01, 2015
Greece Misses IMF Payment; Crisis Talks Set to Continue
Report: Greek Creditors Acknowledge Austerity Measures Unsustainable for Debt Load
Iran Nuclear Talks Extended as Deadline Passes
FISA Court Re-authorizes Bulk Collection of Phone Data
Fire at South Carolina Black Church is Latest to Hit Black Congregations
County Clerks in Several GOP States Refuse to Follow Supreme Court Ruling on Marriage Equality
Florida Judge Blocks Law Imposing 24-Hour Wait Period on Abortions
ISIL-Linked Group Kills Dozens in Egypt's Sinai
U.N. to Declare Yemen a Top Humanitarian Crisis
U.S. to Lift Military Freeze on Bahrain Despite Admission Rights Climate Not "Adequate"
U.S., Brazil Announce Joint Climate Pledges
Rousseff in First U.S. Visit Since NSA Spying Row
Study: Major World Aquifers Losing Alarming Amounts of Water
NJ Governor Christie Enters GOP Presidential Race
Justice Dept.: Police Violated Ferguson Protesters' Rights


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OSHA has released an "Inspection Guidance for Inpatient Healthcare Settings," that will focus its inspectors attention to musculoskeletal disorders, workplace violence, bloodborne pathogens, tuberculosis, and slips, trips,...more
On June 25, 2015, the Occupational Safety & Health Administration (OSHA) issued a memorandum regarding inpatient health care settings. The memorandum does not create new law. Rather, it provides guidance to OSHA compliance...more
Workers in the healthcare and social service fields face a significant risk of job-related violence. In fact, according to the Occupational Safety and Health Administration (OSHA), while the number of days away from work due...more
A 57 year old employee with 36 years of service was properly fired for one incident in which he cut another employee with a knife, a labour arbitrator has decided. The employee was a custodian with a textiles company. He...more
An employee need not physically assault a co-worker in order to be dismissed for workplace violence, an arbitrator's decision shows.
The employer had 8 "Golden Rules" of workplace health, safety and environmental...more
Recently, a Philadelphia jury awarded over $8 million dollars to the families of two factory workers killed by a co-worker in 2010. Concerns about the employee had been reported in the past, and she was suspended the day she...more
Religious accommodation, the Oscars, non-competes, social media, Brian Williams versus Bill O'Reilly, workplace violence, and inspirational employees — we have it all today! Here are some links about recent news and court...more
At the end of 2014, the FBI issued its Study of Active Shooter Incidents in the United States between 2000-2013 ("Study"). This first of its kind study found 160 active shooter incidents in the United States during this time...more
A retail employee who helped pursue a shoplifter, in violation of the employer's workplace violence policy, was not entitled to WSIB benefits and could sue the employer and a supervisor in the courts for her injury....more
Whenever a mass shooting occurs, it triggers the question: What went wrong? Could the incident have been prevented, or at least, could it have had a less tragic outcome? While we never want to blame victims of attacks, it is...more
Cartoonists shot at work in Paris. Teachers killed while trying to protect their students in Newtown, Connecticut. A CEO shot in the head and stomach by a recently demoted employee in Illinois. News reports are filled with...more
An employee who filed a written complaint, falsely alleging that his supervisor deliberately ran into him with a sharp blow from his shoulder, was dismissed for cause, an arbitrator has held. Unfortunately for the employee,...more
The FBI's much anticipated study of active shooter incidents in the United States between 2000 and 2013 was released at the end of 2014. This federal study is the first of its kind and its findings are eye-opening, dispelling...more
Your intentions may be pure, but your actions during or after union organizing activity could lead to your company running afoul of the National Labor Relations Act (the Act) according to the National Labor Relations Board...more
With the use of more than a few pens, the Governor of California has enacted more than 50 new laws related to employment, some of which affect all employers, and others that affect only specific industries. Unfortunately for...more
In This Issue:
- Justices Issue Pro-Employer Rulling in FLSA Case
- Ogletree Deakins Named A "Law Firm of the Year"
- California Mandates Anti-Bullying Training for Supervisors
- OFCCP Issues Final...more
The California Legislature enacted a number of new bills that become effective in 2015. Among the most significant are the following...more
In This Issue:
- Employee Benefits. Recent IRS letter reminds employers about issues associated with offering "free" parking
- State Round-Up. Learn about the latest employment law news in your state
On October 1, 2014 Maryland Senate Bill 483 (Chapter 513) went into effect. The Act requires that certain sized nursing homes and health care facilities assign to a committee the task of assessment of workplace safety issues...more
Acts of workplace violence have, unfortunately, become all too common. Workplace violence can include anything from minor physical altercations and threats to tragic and brutal attacks or shootings. For employers, preventing...more
Generally speaking, human resources professionals and business executives have become quite adept at dealing with employee claims for illegal harassment. For example, just about any HR manager can provide a definition of a...more
The travesty of the latest workplace violence – a shooting on September 23, 2014 at UPS's Birmingham Alabama facility and the beheading at a Vaughan Foods plant in Oklahoma – is a reminder that all employers must be vigilant...more
In its recent decision in C.L. Thomas v. Lexington Ins. Co., 2014 Tex. App. LEXIS 10148 (Tex. App. Sept. 11, 2014), the Court of Appeals of Texas had occasion to consider whether an insurer was prejudiced by untimely notice...more
What Employer doesn't have an Employee Handbook with the requisite at-will language to defeat implied contract claims? So 1990's. It's 2014… Time to Update these HOT Employment Areas...more
A medical center faces $78,000 in fines for failing to protect its employees against workplace violence, following an investigation by the Occupational Safety and Health Administration (OSHA). The investigation revealed that,...more
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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
30 year old man | Denver, CO, USA | Seeking women 21-35 within 50 miles
Excuse me srewardess, I speak jive
My name is cody, i dont know that i have spent much time describing myself in the past but here it goes. I am the kinda guy who enjoys seeing other people smile. I try my hardest to give anyone a chance to show me they are a good person. That has backfired a lot but i try to stay true to it. I have a old fashioned way of trating a women. I was grilled growing up about opening doors, pulling out seats, walking between the street and my date, etc. I always try to treat a date like they have my full attention and respect. I like to relax and lay low but im a very active person. I spend my free time doing as much outside as possible. I am a father of two awesome little kids. My daughter is six my son is three. I have been divorced for about a year and a half. I have been dating casually but have not had much luck finding someone fun to hang out with. I have my kids on the weekends. Work a lot and play during the week. I love the mountains i have a awesome cabin in coal creek canyon i spend a lot of time at. I also spend as mich time as i can on my boat and going to any type of sporting event i can get my hands on. I have amazing season tickets on the front row of the Rockies. So i guess you could call me a baseball junkie. I am a runner, snowboarder, dirtbiker, artist, and will ride or drive anything with wheels. I manage a independent auto repair facility down in centennial. Work hard and try to play as much as possible. My kids know the number one rule for me is have fun. All im looking for is someone to hang out with and laugh my off with. My ideal girl would by easygoing, funny, energetic, and kind. I plan on spending the summer having a good time when im not working. Think you might want to join me?
Camping , Coffee and conversation , Dining out , Fishing/Hunting , Hobbies and crafts , Movies/Videos , Music and concerts , Exploring new areas , Playing cards , Playing sports , Travel/Sightseeing , Video games , Watching sports
Aerobics, Auto racing / Motorcross, Baseball, Billiards / Pool, Bowling, Cycling, Football, Golf, Hockey, Other types of exercise, Running, Walking / Hiking
I exercise 5 or more times per week.
I like Cats, Dogs, Fish
Middle of the Road
Local: Brendans 404 To visit: Canada Fishing, My cabin, What are those big holes in the earth full of water? Oh yeah any lake I can put my boat on.
I spend time with my kids. But I don't have them a lot. I like playing pool during the week or hanging out with friends. The weekends are spent having as much fun as possible. I like sporting events, my cabin, boating and fishing the most.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|6'3" (190cms)
|5'0" (152cms) to 6'5" (195cms)
|Body type:
|About average
|No preference
|No preference
|Dark brown
|No preference
|No preference
|Social Drinker
|No preference
|Executive / Management
|No preference
I manage a independent auto repair shop
|$50,001 to $75,000
|No preference
|No preference
|Have kids:
|Yes, and they sometimes live at home (2)
|No preference
|Wants kids:
|Not sure
|No preference
|White / Caucasian
|No preference
English and Italian with a splash of everything else
|Christian / Other
|No preference
|Some college
|No preference


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New High School Program Readies Kids For College
Students at La Crosse Central and Logan high schools will now have
access to a new program with a strong track record of success in helping students of all levels.....but particularly those in the academic middle.....succeed in college. The program is called AVID. It will be implemented through a partnership between the School District of La Crosse and the La Crosse Public Education Foundation. David Stoeffler is executive director of the foundation.
The foundation will make its largest single gift to the district, expected to reach nearly $200 thousand over a three year period. The gift is made possible in large part due to receipt of the foundation's largest ever grant, a $125 thousand three year grant from the Otto Bremer Foundation of St. Paul. The program starts this fall with freshman and sophomores from both schools.


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HS Football Preview
Blue Devils poised to pick up where they left off
Town of Chenango, NY (WBNG Binghamton) Chenango Forks is one of a handful of teams in Section IV looking to follow up a state semifinal run from last season.
Cupboards not bare at M-E
Town of Union, NY (WBNG Binghamton) They won 25 straight games, most in New York State and have captured back to back state titles. And though they lost several key pieces from last year's team, the cupboard isn't bare at Maine-Endwell as the Spartans look to make it three state championships in a row.
Experience key for Harpursville
Harpursville, NY (WBNG Binghamton) Last season, they won their first division title in 27 seasons. This year, the Harpursville Hornets look to win a sectional title and make it to the state playoffs.
Bainbridge-Guilford full of youth
Bainbridge, NY (WBNG Binghamton) The start of the high school football season is in just 2 weeks. And one team with some holes to fill is the Bainbridge-Guilford Bobcats.
Sidney looks to tackle Class D
Sidney, NY (WBNG Binghamton) Sidney made a run to the Section IV playoffs last year in Class C, but this year it'll be a new look for the Warriors as they move down to Class D.
New era begins at Union-Endicott
Endicott, NY (WBNG Binghamton) A new era has begun for Union-Endicott as Tom Baleno replaces Shane Hurd as the Tigers head football coach, but it doesn't change the expectations.
Returning talent gives Patriots high expectations
Binghamton, NY (WBNG Binghamton) For many teams a run to the state playoffs is seen as a successful season, for the Binghamton Patriots though, it's a little bit of a disappointment.
High School Football tour schedule
(WBNG Binghamton) Beginning on August 19 the Action Sports team will be previewing football teams from around Section IV leading up to the first week of the season.
New class, new challenges for Chenango Valley
Town of Fenton, NY (WBNG Binghamton) It's the start of a new era with some new faces for Chenango Valley. After spending the last several seasons in Class B, the Warriors have moved down to Class C this season.


text:
Info & Phones News Reviews › Forum
Top message: Thinking out loud by cellphonesaretools
Replying to: Re: ????? by cellphonesaretools
Re: ?????
gloopey1 said:
"Nextel never had a single year that their customer service or network tied with Verizon, yet Sprint has managed to accomplish this."
cellphonesaretools said:
Interesting that you are still flapping your gums about all this, but providing absolutely no facts and no reliable sources to back up your opinions. Let me show you how it's done:
Below are several wireless-industry publication articles, along with hyperlinks, which is MY supporting evidence to back up MY statements that Nextel used to have THE LOWEST CHURN IN THE INDUSTRY BEFORE SPRINT TOOK OVER NEXTEL:...
Churn figures have absolutely nothing whatsoever to do with network performance or customer service. If that were the case, then we should all conclude that country music and rap/hip-hop are the best forms of entertainment since both genres have such loyal followings (more so tha any other). Classical music, by comparison has steadily lost fans for the last 50 years. Yeah, I'd say this is faulty reasoning on your part.
cellphonesaretools said:
...There, THAT is how an intelligent, diligent, truthful person backs up their statements. You should try it some time, rather than just flap your gums with the same tired opinions and unsupported statements you usually make...
Unsupported? I cited the two biggest consumer polling agencies in America, and you claim that somehow I didn't?
On the other hand, you cited links that support your claim that Nextel ran a very successful business in the early part of the 21st century--nobody is disputing that. What you apparently don't understand is that operating a successful business doesn't necessarily mean that you put out a quality product or great service.
Have you ever gone into an Abercrombie & Fitch store? I unfortunately have. Back in the 90's, they were one of the most successful companies around. The reason for their success was not due to offering superior customer service or better quality clothing than their competitors, it was all about marketing. A&F managed to figure out a way to market their retail clothing to young people in such a way as to appear "cool."
You see, it's all about the glam factor these days when it comes to who's going to make the money. In 2003-2005, Nextels were the coolest phones out there. Nobody had a smart phone or anything else like it. Carrying a Nextel meant that you were somebody important where you worked. Does anyone honestly think an at&t iPhone is a better telephone than every other device on the market? You go and figure it out.


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The sentiments expressed by Eric Crew (Letters, 5 January) about it being absurd to wear a tie or own a Porsche, reinforce my opposition ('The wages of science', Forum, 8 December). If people like Crew say that scientists should be 'casual and happy', what hope is there for science to be a respected and reasonably well-paid profession? There is no need to be tycoon-like; parity with other professions is a reasonable goal. And why shouldn't top scientists have Porsches?
Crew's statement that an FRS is worth 100 Porsches and a free life ticket for Concorde (by my reckoning worth about 5 million Pounds ) is somewhat over the top. Perhaps we could invite Fellows to put a value on the accolade - these days everything has a price. With that sort of money it would be possible to do research independently of grant-awarding bodies.
Alun Rees Rustington West Sussex
To continue reading this article, subscribe to receive access to all of newscientist.com, including 20 years of archive content.


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The First Home Owners Grant (FHOG) helps people to buy or build their first home. With day money loans you can get day installment loans with. Jika anda berminat untuk mendapatkan model civic, disarankan agar tuan membuat tempahan pada waktu ini kerana proses menunggu stock baru mungkin memakan masa sekurang kurangnya 3-6 bulan. Let us know if you have any other questions. Is Toyota wish recon consider rhb bank car loan outstanding new car or Second hand car. Down payment should be 10% but for this model, it's better to put 10% as it will increase your chance of getting loan approval. Finding the spare part wise should be an issue. What's the loan settlement for your Hyundai. Untuk membuat anggaran, pihak tuan boleh menggunakan financial calculator kami di {http.
It has not been used 100% by all banks and if you need to buy one, with a full loan, we need to look at your eligibility. Toyota Vios 1.5 J (Metallic) Manual RM 71,990 Medium Silver Metallic. Bank mana yg offer lowest rate for 9yrs loan and u think boleh approve tak loan tu dgn balance gaji kami ni.
Please view the latest promotion for this model and you might be interested. No other financial commitment.which car is available if i'm plan to contribute rm500-600 per month for 7 or 9 years as my installment. Saya bercadang hendak membeli first car saya. If I have not-so-good record with banks, does the chances getting slimmer.
Been work for 1year and would like to buy a Kia Forte 1.6 EX/ 1.6 SX as my 1st car. Hi, I am planning to buy a used rhb bank car loan outstanding car from my good friend. Have not yet checked actual balance with bank.
Hi audi, thank you for using our online service. If I would like to buy Toyota Wish Recon 2007 /2008, Which interest rate that bank will charge me. It seems that you have a high commitment there and we would recommend you to get a loan below 40k. Hi, pihak kami meminta maaf kerana kelewatan membalas pertanyaan ini. Dukacita dimaklumkan bahawa pihak kami hanya menjual kereta baru sahaja.
Trip Travel Insurance
For the guarantor part, guarantor and joint-income concept is almost the same. We also accept trade in and feel free to contact us whenever you're ready. So far i didnt have any commitment and my saving per month is around 3k. I'm a freelance marine engineer with no commitment and still single. Jobs of cash paid job vacancies available on indeed canada. Bank would only look at your basic salary minus your other commitment if you have.
Planning to do d/p of 5k and 9 years loan. Through the cultivation of vehicle manufacturing toyota official site know how the toyota industries. Based on the rating, it is more convenience to drive. However, the difference between the rates should not be that much.
Com provides more visibility to your for sale by owner.com home for sale than the comfree. It really depends on the maintenance side. Ada bank menawarkan fixed loan and variable loan. I would like to buy a brand new Honda City Type S if I qualified for a bank loan.
Rcbc Foreclosed Cars In Iloilo
Offer letter stated rm2100 per month for my salary. If just become her guarantor is not possible. Find no credit car dealers in your area that specialize in helping customers with. If Accord 2.0 and Camry 2.0, it's better for you to test drive. Some said it does't matter whether you buy new car at end year or beginning of new year, cos second hand dealer is only looking at the car year manufacturer… and not looking when you buy the car. Call us now at 019-3559448 if you are interested.
Im a 24yrs old,recently grduated.and currently im working on my first job for 2weeks and doesnt have any pyslip yet. Find a local car dealer to search for your next new or. It looks like you have a good income there, 2.9% should be the lowest rate you can get.
Maksud sy, sy dengar company sy akan byr skit untuk harga kereta tp itu x comfirm lg. Proton is expected to launch a new persona R and the current model will surely be less valuable in the future. We'd recommend you any banks that would provide you with the best interest but most of the banks would give almost the same rate.
Kami pernah mempunyai client bank yang ingin menggunakan staff loan dan ia tidak mempunyai sebarang masalah. Please use the interest rate from 2.6-2.65% (approximation only) for your calculations. If you choose your relatives to be the guarantor, it still can be considerate. If you choose to make a total loan of RM 58,500, the monthly payment is around 712, but if you buy a new one with RM 74k loan with 2.7% interest (or lower), you can get it for RM 851 with 0% down payment. I just started working with the government barely a month and wishing to buy a new ford fiesta 1.6 hatchback as my first car.
Usually maybank would be the best choice but nowadays its getting harder to get a loan from them. Kindly call us at 019-3559448 for booking any of these options. Sy ingin tahu apa interest rate untuk kereta mazda 3 ckd 1.6 sedan yg biasa.
Estate mobile home auction wednesday june th pm sold lake erie dr,. My basic salary is RM2300 + RM850 Allowances….i don't have any commitment yet.but i have RM10k for D/P…is that any chance i can buy Honda Civic 1.8(AT) for 9 years tenure. Your perodua viva might have a high outstanding balance and you might want to pay for the difference if the market value is lower.
Greentree Repo Mobile Homes Sc
This means that you can only purchase a car within RM 50k range. Guarantor tidak diperlukan kerana basic saudari melepasi kadar minimum. Hi, saya bercadang untuk membeli 2nd hand Honda Civic FD 1.8 /2.0 dlm lingkungan 80k-90k. We need to know the specific model of Ford fiesta that you're interested in. Otherwise, we'd recommend you to purchase using the rhb bank car loan outstanding normal scheme which offer much cheaper interest rate. Saudari perlu membayar beza tersebut kepada pihak bank dan kami pasti saudari tidak akan menjual nya dalam masa yang terdekat.
Personal Loans At M T
Submit your documents first, and if the bank needs you to have it, you can provide a guarantor. The best thing is for you to prepare your loan application documents and we can proceed to the next step. Ihsan di 019-3559448 untuk membuat temu janji. Maaf sbb ni pertama kali nk beli kereta, tak berapa tahu pasal ni semua. Katakan harga Honda Civic tersebut adalah RM95K, adakah saya layak memohon loan untuk pijaman tersebut. I am interested to buy hyundai i10 1.25 kappa as my first car.
We're not a used car dealer but we do have a representative from Nissan Co. Kindly read this entry to get rhb bank car loan outstanding more info on this model. Check out rhb personal loan interest rates and conditions and compare it with.
Mar brandsource credit card read unbiased reviews of brandsource credit card,. Is there any suggestion from u interm of interest and quality of engine. For time being, I don't have any financial commitment, and I'm ready with 10% or 10K d/p with 9years of installment. Sy mahu membeli honda city atau honda insight. You can calculate your monthly installment at our online calculator at {http.
If you pass the minimum requirement, then it shouldn't be a problem. Both models are okay and the price is comparable. Honda civic may have better market value in the future but the model is out of stock.
We'd appreciate if you can give us a call at 019-3559448 to discuss further on this and we can also check your trade in price as well. If you still want toyota vios, you may need to have a guarantor but its still hard for you to get the approval. Campur elaun total lbh kurang 2k.Saya nk beli myvi extreme 1.5 auto dan d/p dlm 13-15k. Repayment period should be 9 years and you may not need a guarantor. We prefer you to get ready with the documents of applying the loan, your car details (Copy of grants) before the meeting so that we can make the buying process much faster.
The current finance payment sometimes miss or short pay. I just need to know the math for 9 years,7 years and 5 years loan in monthly payment. You do need to provide us your graduation certificate (if any) that proves your convo date.


text:
Ice cream covered in sand, soggy biscuits, melted chocolate and sad faces. Bringing the wrong snacks to the beach can cause a few tears because no one likes sand between their teeth.
We have collected some great ideas for healthy, practical and beach proof snacks for children and adults for your next family holiday in Cornwall:
- Dried fruits
- Peanut butter & apple
- Granola bars
- Vegetables and dip
- Carrots and hummus
- Smoothie in a carton
- Hard boiled eggs
- String cheese
- Half frozen squeezable yoghurt
- Mini crackers
- Chicken wings
- Fruit skewers
- Puree fruit pouches
- Bananas
- Boxed raisins
If you know of any great beach snacks that are not on our list then please leave a comment below and we will be happy to add them.


text:
ResearchHoliday shopping raises social commerce questions
Mobile's impact on e-commerce appears marginal but growing, but social commerce remains in serious flux. Read more »
Mobile's impact on e-commerce appears marginal but growing, but social commerce remains in serious flux. Read more »
Pinterest wannabes with tighter commerce hooks are raising good money. But social commerce likely needs to be multi-channel for a big payoff. Read more »
Ebay was social commerce before anyone coined the term, but its daily deal experiment feels like a PayPal extension rather than a bricks-and-clicks social commerce platform. Read more »
In my last few Weekly Updates, I've written about Zynga and Facebook, two companies whose business models I'll continue to defend. But right now they make up a pair of the Horsemen of the… Read more »
Last week Yahoo announced it had hired Scott Thompson, currently the president of eBay's PayPal business, as its new CEO. Thompson has product and technology cred, which means Yahoo should be… Read more »
Yahoo announced that PayPal president Scott Thompson will be its new CEO, starting next week. Wall Street still thinks Yahoo needs to define itself, and Om notes that Thompson's still stuck… Read more »
As eBay has evolved from its person-to-person auction roots into a retail hub and e-commerce infrastructure provider it has become a pretty aggressive technology acquirer. Its latest move is on the… Read more »
After a disappointing earnings quarter, in early September Yahoo fired CEO Carol Bartz. About a week later, the troubled portal was reportedly more concerned with finding an investor or acquisition partner… Read more »
Collaborative consumption refers to a class of new businesses that use the web to enable the sharing and bartering of goods and services — from cars to apartments to office space… Read more »
Airbnb's travails have pointed out the biggest risk in the hot new category of collaborative consumption known as the web-sharing economy. Or is it really a new category? It builds on… Read more »


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An international jewel thief makes off with a nation's beloved treasure and boards a tour bus to escape the police who have ascended on the scene of the crime more quickly than he anticipated. The woman with whom he sits is very inquisitive and he struggles to fabricate a story tight enough to put her off the track. She is not to be shaken though and he is forced to confide in her and take her on as an accomplice.
Godfred, 2013-01-17 11:32:24


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38 year old woman | Scottsdale, AZ, USA | Seeking men 36-49 within 4000 miles
Be kinder than necessary for everyone is fighting some king of battle.
First off, if your interested in getting to know me send an email with an actual message. I don't respond to winks or emails that just say "Hi". I'm sure you have something more interesting to say and if not.. I don't know. About me: At first I'm pretty shy nervous I don't do the best around large groups of people unless it's at work. Once I get to know people my personality shines through, I'm little quirky cute. I'm a good listener, a little bit of a gossip, avid music listener, theatre goer, movie goer. I like to talk about those things a lot. I'm friendly sweet. Loyal to the core. Easy to talk to funny so I've been told. My initial shyness fades away my close friends get to see the real me. I am not an outdoorsy person, I don't camp at all prefer a nice comfy bed to a sleeping bag. Nothing compares to a warm shower. I think communication is the most important thing in a relationship. Because if you can't communicate effectively then what is the point. If you're the one for me: You are over the age of 36 are fun, easy going, loving, respectful, love to hug in public. You should love your folks family too. You should love theater, film, music, museums. You should also love to travel. You should also love basketball. I?m just getting into football, but I pretty much love any sport where you can yell cheer, so if you like to watch sports that's cool. But, when the Oscars are on, sports are off. You should also be either left or middle on your political beliefs. You should not be into any kind of illegal drugs, nor should you smoke at all. You should also like artsy people be gay friendly. Also as stated earlier, I do not respond to winks and emails that only say hi how are you? Email me we'll go from there, up for meeting in person down the line.
Book club , Coffee and conversation , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Shopping/Antiques , Travel/Sightseeing , Wine tasting
Billiards / Pool, Bowling, VolleyBall
I exercise 1-2 times per week.
I have Cats
I like Dogs, Fish, Horses
I have two lovely cats.
Don't have any favorites here in AZ yet. I love New York City, London, San Francisco, Cancun, Jamaica and any other tropical destination with a beach and a shade tree.
Otterbein College, Westerville, OH
Books: The Book Thief, One Fifth, A Total Waste of Makeup Movies: The Breakfast Club, Auntie Mame, The Blind Side, Men In Black, Bridesmaids, Breakfast at Tiffany's Shows: Parenthood, Modern Family,30 Rock, Covert Affairs Music and food: All kinds
Movies, Theater, Concerts, Reading, Writing, Museums. I also like cooking.
Last Novel was "The Book Thief" Last magazine was Entertainment Weekly. I always flip to the bulls-eye first.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
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|5'4" (162cms)
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B.A in Theater Arts and Communication with a vocal performance minor


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There's a pal of mine who owns an old Volvo V70. And I've never really got it. OK, so the boot's huge, and it's comfortable and economical, but seriously, there were better estate cars out there when he bought his.
This new V70, though. Well, that I could understand a bit more. Still not exactly my cup of tea, but I can see where it begins to make sense. And, of course, the engine that makes most sense of all is the D5 driven here.
It's the same basic five-cylinder diesel engine that's in my mate's car, but this thing is so much more refined - both inside and outside. You still get a hint of that lovely five-cylinder thrum, but the diesel rattle is much more muted, especially at cold and idle.
There's plenty of torque from 1,500rpm, and it stays smooth all the way to the red line. But don't go past 3,750rpm: there's no extra punch up there. Get this car with an auto 'box though, as the manual just doesn't suit the lazy engine, and it's not an especially pleasant shift.
Equally, the ride is much better than the old version's. It's still not up to Mercedes' standards (acknowledged as the class best), but it doesn't feel as uncontrolled as it used to - over bumpy back roads, the new V70 feels more secure beneath you.
So to sum up, it won't match a Merc E-Class, but I reckon my mate would certainly approve.
Piers Ward


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WITH an eye on defending the Africa Cup of Nations (AFCON) title, champions Zambia will today hope to sign off on high for the continental showpiece when the Chipolopolo face Norway in a historic international friendly match at the Levy Mwanawasa Stadium in Ndola.
This will be Zambia's final preparatory match after the January 15 practice game against Namibia was cancelled.
Having lost the first practice match 0-2 to Angola before drawing 0-0 with Morocco on Tuesday, the Chipolopolo are targeting to give the local fans a memorable farewell match before kicking off the AFCON campaign on January 21 against 1962 winners, Ethiopia.
The Chipolopolo will be playing the Scandanavians for the first time and it will also be a historic moment for Zambia to host a European team on home soil.
Zambian football legend Kalusha Bwalya said it was the Chipolopolo's desire to finish the preparations on high before embarking on the AFCON finals campaign.
"We want to finish our preparations on high and we are looking forward to a good match," Kalusha said after welcoming the Norwegian delegation at the Simon Mwansa Kapwepwe International Airport in Ndola yesterday.
Kalusha, who is Football Association of Zambia (FAZ) president, described today's encounter which would kick off at 14:00 hours as a celebrated match - the first against European opposition on home soil.
He said the match would be important to Herve Renard's men before they head to their AFCON battlefront in Nelspruit, South Africa.
Striker Collins Mbesuma said: "It's not going to be easy although South Africa were on top. They played well and we will not take it like a friendly but we going to take it like a final."
Norway coach, Egil Olsen said the result from the match would not be important but that his interest would be performance of his youthful players.
"The most important thing for us is to try out new players who have never played for the national team. The performance is most important than the result," Olsen said.
Norway striker Tarik Elyounnoussi said he expected a tough match against the African champions and believed Zambia would use an experienced team for this much-anticipated international friendly match.
"Zambia are the champions of Africa so it will be a big challenge for us. We will play under hot weather and before a crowd of 40,000 spectators. That will be new for us because it is not always that we play under such conditions and before such big crowds," Elyounnoussi, who will captain the team and scored in Norway's 1-0 win over South Africa on Tuesday, told faz.football.com.
He added that :"Against South Africa our best players started on the substitutes bench. I think they will start against Zambia. You should watch out for Mohammed Fellah."
The reigning African champions Zambia arrived in Ndola for today's International friendly match against Norway around 17:40 hours from their camping base in Johannesburg, South Africa.
A dozen of fans were on hand to welcome the squad and took time to get pictures and autographs from the Chipolopolo stars.
However, Renard refused to talk to the Press when the team arrived but in an interview with fazfootball.com said his focus was to have a great tournament when the 29th edition of Africa's biggest soccer fiesta gets underway in Johannesburg next week.
With Chipolopolo team doctor, Joseph Kabungo declaring a clean health bill for the squad, Renard is expected to use the majority of the players, who struck gold at the 2012 AFCON finals.
Skipper Christopher Katongo is expected to lead the search for the morale-boosting victory against Norway alongside Holland-based star striker, Jacob Mulenga and Orlando Pirates' hotshot, Mbesuma.
AFCON golden boot winner, Emmanuel Mayuka is another attraction at this high-profile friendly match which will also see the return of playmaker, Rainford Kalaba since he last featured in Ndola in September last year against Uganda.
Isaac Chansa with his partner, Nathan Sinkala are also expected to start in the midfield in front of the backline marshalled by Stoppila Sunzu and Hichani Himoonde.
Olsen, who is carrying a local-based squad, is expected to field the likes of goalkeeper, Rune Jarstein, Fredrik Berge, Kim Madsen, Lars Vilsvik and Ardian Gashi among several others.
Probable starting line-up: Kennedy Mweene, Davies Nkausu, Joseph Musonda, Hichani Himoonde, Stoppila Sunzu, Nathan Sinkala, Isaac Chansa, Rainford Kalaba, Christopher Katongo, Jacob Mulenga, Chisamba Lungu.


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Son Of Sardar Movie Review
Son Of Sardar
|Ajay Devgan, Sonakshi Sinha
|Ashwani Dhir
|Music Director
|Sajid Wajid
|Akshay Kumar
Hindi Movie Son Of Sardar produced by Akshay Kumar, Actor Ajay Devgan is casting as hero in this moive, Actress Sonakshi Sinha cast as a heroin in Son Of Sardar Hindi Movie, and other casting with Ajay Devgn, Sonakshi Sinha, Sanjay Dutt, Juhi Chawla actres in Son Of Sardar . Hindi Movie Son Of Sardar directed by Ashwani Dhir he was done film work such as Story, Screen play, Dialog and such important work in this Moive, Music Director of Son Of Sardar is Sajid Wajid, all the Son Of Sardar songs are composed by Sajid Wajid, Son Of Sardar have super hit songs and it was now available to listen and download in this site.
Son Of Sardar the Hindi Movie Released in 2015, announced by the Producer Akshay Kumar and Director of the Movie Ashwani Dhir, Music composed by the music Director of Son Of Sardar is Sajid Wajid, Ajay Devgan as Hero, Sonakshi Sinha as Heroin, other Castings Ajay Devgn, Sonakshi Sinha, Sanjay Dutt, Juhi Chawla act in this Son Of Sardar Hindi movie.


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IBC Bank Corpus Christi Region gets new president
International Bank of Commerce's Corpus Christi Region has appointed Harold Shockley Jr. as its president. The region includes all IBC Bank branches in Corpus Christi, Aransas Pass, Portland, Rockport and Sinton.
Shockley has been in the banking industry for 26 years and has served at different capacities with IBC Bank for 13 years.
In a prepared statement, Charles White, chairman and CEO of the International Bank of Commerce Corpus Christi region, said Shockley's appointment "is a direct result of his continued commitment to our corporation."
Shockley holds a bachelor's degree in business from the University of Texas and is a graduate of The Banking School of the South at Louisiana State University. He is involved in community organizations including serving as past president of the Sunrise Rotary Club, board member of the March of Dimes and member of the YWCA Fund Development Committee.
IBC Bank is a member of International Bancshares Corporation, a $10.6 billion multi-bank financial holding company headquartered in Laredo, with 250 facilities and 380 ATMs serving more than 100 communities in Texas and Oklahoma.
Contact Elvia Aguilar at 886-3678 or email@example.com


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Customer Reviews
2 Item(s)
- Good deal Review by Chakafrak
Quality Price Value
One of the few stores that carry Justin boots. They have a good quality, good fit and classic style.
Rural King is excellent on price and delivery. My second time shopping here--I'll be back.
(Posted on 3/20/2014)
- poor quality Review by Harvey
Price Value Quality
I own a set of the Justin Brown Cow boots and love them. These boots obviously were rejects because the soles on the boots are not made like my others. They are uneven and are not symetrical to the boot. Lokks like the sole was put on off center. I guess that's why they were cheaper. That's fine but you need to disclose it if the boots are rejects.
(Posted on 2/25/2014)
2 Item(s)


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Mingling with other young professionals is quite a lot like playing Monopoly, requiring wits, a bit of luck and insight into the best time to buy into the hotel industry. Leave the dice at home and pay R150 for one month's subscription to the Singles Wine Club.
Unlike a visit to the local watering-holes, where it's important to keep one eye out for approaching predators, the Singles Wine Club provides a place for like-minded young professionals to meet in a fun and unintimidating environment. While it's not a dating exercise, you'll have a chance to mingle and foster friendships with other club members, over platters of food and sips of wine.
What you need to know:
- A wine-tasting event is hosted once a month at various restaurants across the city, presented by a guest speaker from the wine industry. Food is provided in the form of food platters and entrance is included in the membership fee
- Membership includes access to the member's forum, to create a profile and interact with other members
- Website and emails ensure you stay up to date on the latest news and views from the wine industry
- Your 1 month subscription will include one of our monthly wine tasting events (which includes a light meal). It also includes unlimited use of our "Members Forum" for the duration of your membership. The "Members Forum" is just another way for you to interact with other members of the Singles Wine Club through our website.
- This offer is a trial period only. We suggest in order for you to really reap the benefits of your membership (that is meet new people), that you join the club for a slightly longer period of time.
- In order to activate your membership, email your Groupon voucher number, name and surname to firstname.lastname@example.com
Whether you're an expert at ice-breaking or you're looking for a place to mingle where there's no ice to break, the monthly Singles Wine Club meetings are the ideal place. Offering interactions more informal than letters to a friend and the opportunity to enjoy a few intricate sippables, SWC encourages natural social interaction with the added bonus of being a fun night out.Single-serving Fact: The first official Singles Club was founded in 1987 in New Jersey and was aimed solely at down-and-out piano players who were also dog-lovers – every month, the club would host a Dog Day Piano Duel, during which aspiring couples would battle it out on the piano to see who could attain the loudest yowls from the dogs in attendance.


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Fans of Star Trek will be pleased to hear that three new Star Trek books have been announced for 2011 and 2012, including a new "365" book.
"Inherent in…the Star Trek…franchise is a deep wealth of information and insight that can be explored far beyond their TV or film iterations," said Liz Kalodner, Executive Vice President and General Manager of CBS Consumer Products. "Star Trek also [has an avid fanbase] eager to learn and enjoy these properties to the fullest. This combination lends itself to a top-notch publishing program."


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Very disappointing, and would be even more so if it was even remotely surprising.
The entire athletics department at that school is woefully mismanaged and the wrestling team has been getting the shortend of that mismanagement especially over the last couple of years.
If this really is the end of the program and they can't some how salvage it all I can think is that I hope Matt Cathell finds a good home somewhere.


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22 Aradhana Articles
Dimple Kapadia: Rajesh Khanna is my favourite actor2 years ago 1
He was the first and the original superstar of Bollywood, won a billion hearts and stays in his wife's memories as the greatest actor ever... Late… Read Article ▶
Akshay Kumar on Rajesh Khanna: Legends like him are not born every day2 years ago 3
The actor shared his thoughts on his father-in-law and late superstar Rajesh Khanna's first death anniversary July 18 Bollywood actor Akshay Kumar… Read Article ▶
Yogen Shah
Why was Rajesh Khanna's love so crazy?2 years ago 0
We are talking about the famous song Roop tera mastana which was picturised on the superstar Besides acting prowess, Hindi cinema's first superstar… Read Article ▶
Padma Awards 2013: Sridevi, Sharmila Tagore, late Rajesh Khanna, Nana Patekar, Ramesh Sippy win top honours2 years ago 1
On the eve of the 64th Republic Day a few selected stars from the film industry have been honoured with India's civilian awards According to a… Read Article ▶
14th Mumbai Film Festival opens today: Sridevi to inaugurate3 years ago 0
The film fest offers the best of world cinema and Indian films this year, and also introduces Afghanistan cinema The much-awaited Mumbai Film… Read Article ▶
Kishore Kumar, happy birthday!3 years ago 1
The legendary singer, who sang about 2,900 songs through his career, inspires Bollywood artistes even today, so many years after his death Born on… Read Article ▶
Aamir Khan buys Shammi Kapoor's film collectibles for Rs 2,38,000!3 years ago 0
Aamir and wife Kiran Rao bid for six collectors' items at the Osian's auction in New Delhi Bollywood star Aamir Khan can now take pride in owning… Read Article ▶
'Yeh Jo Mohabbat Hai' stills: Sanjay Dutt's niece Nazia Hussain romances Aditya Samanta3 years ago 0
View film stills of Nazia Hussain and Aditya Samanta's Yeh Jo Mohabbat Hai Producer Ashim Samanta is launching his son Aditya Samanta with Yeh Jo… Read Article ▶
Rajesh Khanna's Amul hoarding: Chala jaata hoon kisiki dhun mein3 years ago 6
The dairy products giant was quick to pay tribute to the late superstar who passed away on July 18 Chala jaata hoon kisiki dhun mein - screams… Read Article ▶
What were Rajesh Khanna's last words?3 years ago 3
Amitabh Bachchan shares the legend's final words on his blog, and also the experience of working with him in Anand Time ho gaya hai, pack up - those… Read Article ▶
Rajesh Khanna funeral: Thousands gather to bid adieu3 years ago 3
The last rites of the legendary superstar will be held at 11.30am today Braving the rain, thousands of fans are gathered at Bollywood's first… Read Article ▶
Rajesh Khanna, the TV star3 years ago 6
His co-stars in the soap Apne Paraye recall their memories of the superstar Think Rajesh Khanna and you think of his movies, but the actor had also… Read Article ▶
Rajesh Khanna: A performer par excellence3 years ago 2
He was not just a star, but an actor who showed off his skills in a wide range of roles Forget Wafaa, Kya Dil Ne Kaha and the like. His last few… Read Article ▶
Rajesh Khanna: B-towners tweet final adieu3 years ago 6
The first superstar of Bollywood passed away, and his peers mourned his demise on Twitter. Shahrukh Khan, Madhuri Dixit-Nene and Karan Johar are some… Read Article ▶
Remembering Rajesh Khanna (December 29, 1942 – July 18, 2012)3 years ago 16
The superstar breathed his last at his home today Yesteryear superstar Rajesh Khanna passed away this afternoon at his residence Aashirwad in… Read Article ▶
More Aradhana


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Join Now
Join ePHOTOzine, the friendliest photography community.
Upload photos, chat with photographers, win prizes and much more for free!
A very early morning cup of joe with the light of the rising sun coming in through the window.
Fiddled around with this one a bit. I don't do digital art (yet), but when is a photo not digitally manipulated!
Thanks for looking,
|Olympus E-620
|Lensbaby Composer/Sweet-35
|Recording media:
|RAW (digital)
|Lens Max Aperture:
|Exposure Mode:
|A Cup of Joe
|11 Mar 2012 - 10:27 PM
|Unique Views:
I like the sun on the plant pot.
The green against the light background is nice.
Good composition.
I wonder if the blurryness is Bokeh or movement when you took the shot.
Would have liked to have seen more sun on the cup also.
The cup is not in the centre of the mat which bugs me alittle ..... now i'm being picky sorry lol
I felt abit awkward saying things about your photos as your much more experienced than myself but i have to have a go and try.
Nominating Constructive Critique
I don't think one needs a tone of experience to be able to see what one likes or dislikes in a photo.
The blurriness comes from the particular lens I use (most of the time these days). It's a Lensbaby. I don't know if you are familiar with it or not. I'm rather keen on the funky effects I can get with it.
Anyway here is their site. Have a look and see what you think.
Your time is much appreciated
Nominating Constructive Critique
Nominating Constructive Critique
Thank you Albert. Yes, I agree about the handle (should have left the frame off......)
Funny about these kinds of images. You sit there, drinking your coffee, and the light suddenly comes in the window at the right angle; you grab your camera and a minute later the light is gone
Nominating Constructive Critique
+ nice lighting
+ I like the sharpness in the top part of the mug and how it stands out against the background
+ I like the subject matter - feel like a cuppa now!
- For me, the blur is just a little too much
- background feels a little too busy
- I wonder if the mug would look more interesting with some tea or something in it?
I like the set up of the shot, the lighting is quite atmospheric.
Nominating Constructive Critique
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Introducing the peculiar world of the quantum, where a particle is a wave, and a wave is a particle.
Considers the Heisenberg Uncertainty Principle.
Click here for more
At its most basic level, nature appears to be fundamentally random. Are we all players in a
game of chance at the Quantum Casino?
Click here for more
Quantum states can become entangled in astonishing ways.
Welcome to the strange world of "qubits",
faster-than-light communication, and Einstein's first definition of reality.
Click here for more
At last it would appear a solution has been found to the riddle
of the apparent collapse of the wavefunction. Includes an interactive simulation of decoherence in an ensemble of particles.
Click here for more
Everything in the universe must be defined relative to everything else in the universe.
Reveals the common foundations of relativity and quantum mechanics.
Click here for more
Using a purely logical argument - involving no physics or mathematics whatsoever - this page might
make you change your mind about everything you have ever believed about the passage of time.
Click here for more
All fundamental physical processes appear to be time-reversible - so why don't we see broken
eggs mending themselves? And why can't we remember the future?
Click here for more
Some of the fundamental physical constants in the universe appear to have been
fine-tuned, otherwise life could not exist. Are "multiverse" solutions the answer to this mystery?
Click here for more
The universe appears to have an uncanny connection with the world of mathematics. Why is this? And do
mathematical structures have a reality all of their own?
Click here for more
Some physicists believe the universe behaves like a digital computer. But are
there some things in the universe which cannot be computed? And is the universe made of "information"?
Click here for more
An examination of the evidence that our universe is the product of an advanced civilisation.
Are we living in a computer simulation? Are we all "housemates" in the ultimate reality show?
Click here for more
Does intelligence play a special role in the universe? Could the universe
have created itself? And could Arnold Schwarzenegger's Terminator arm hold the key?
Click here for more


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Questions about a permit- New from Swarthmore, PA
I am thinking of either purchasing an oven kit or building a Pompeii oven. I spoke with our borough manager who said that i would need to get a permit. Since I will be building it myself, I am not hiring a contractor who knows about fire regulations. I need to find out what the rules are about how far from a building it needs to be, if there are requirements about distances from trees and other potentially flammable objects. Are there rules that are fairly standard that I can write into my plan?
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