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While summer ushers in warmer weather and lazy days spent basking in the sun, it also is the season for BBQ stains, ice cream stickiness, and lots of grass and dirt mess. While summer fun is a must-have, there are numerous ways to prevent the sunniest season from creating major household distress and dirt. Here at Green Envy Maids in Salt Lake, we know all about the grime that accompanies summertime and we're here to help! Here are four sensational summer house cleaning Utah tips straight from our housecleaning professionals:
1.) Showertime Sadness
While the play and excitement of summer is super fun, there's a downside—a dirty bathroom. Kids are prone to tracking in all the defining summer staples–grass, dirt, sand and sweat. If your bathroom takes a beating during the summer, remind guests to wipe down the shower after each use to prevent accumulated moisture that creates hard water stains and mildew as well as telling family members and visitors to open a window or turn on the fan in the bathroom to prevent humidity from creating mold.
At Green Envy Maids (cleaning services Salt Lake City), our cleaning team strives to get your bathroom sparkling! We use a variety of cleaning techniques to ensure that summer doesn't create dirty bathrooms.
2.) Patio Problems
During the summer months, the patio is the prime spot for BBQ spills and picnic fails. While there is no exact science to getting this favorite outdoor area clean, a little mixture of detergent and fresh water plus some elbow grease will get that patio furniture sparkling.
3.) Laundry Lament
While the laundry room is already an area of the house that attracts mess, the summer months can make things much worse. With many 90-degree days expected in Salt Lake City this summer, there's bound to be plenty of watermelon stains, ice cream cone spills and soda spots. While these sneaky stains and spots can be tough to tackle, having and organized and clean laundry room will make the job more appealing. Our residential maid service team at Green Envy (house cleaning Salt Lake City) will perform laundry services to lighten the extra summer load. No more battling those mustard and ketchup stained clothes!
4.) Killer Kitchen
The kitchen can be a spot that kills the rest of the home's cleanliness as it is the nucleus and the gathering center for all the home's activities. In summertime, make sure to scrub those sticky-prone surfaces like garbage cans and refrigerator shelves. At Green Envy Maids,a maid service Utah, in Salt Lake City, we can make sure your kitchen is free from all summer gunk. Contact us today!


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Fleet and Lease Sales ConsultantDescription:An opportunity exists within the Wood Automotive Group at our Woodridge Ford Lincoln dealership for a Fleet Representative.
This individual will:-Spearhead the development of, as well as maintain, a large loyal fleet clientele-Provide input regarding new vehicle inventory-Implement an effective prospect and contact management system for small, medium and national commercial businesses-The ability to work in a commerce-to-commerce business relationship, including a long term sales cycle is required.
Automotive sales or related experience would be an asset. Strong customer service and communication skills are required. We offer a very competitive pay plan, full benefits and vacation entitlement after three months of employment.
As one of Calgary's leading Automotive Companies, Wood Automotive Group can offer choices with a variety of Dealerships, as well as various Automobile Manufacturers products to work with - the opportunities are endless!

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Carroll, King ready to run at regionals
Region IV cross country meet
Todays schedule
King kept its state title hopes alive recently with a third-place finish at the District 27-5A meet. Thus, the Mustangs will run at least one more time as the defending state champions this season when they compete with district champion Carroll in the Region IV-5A cross country meet.
The top 3 teams and top 10 individual runners from each region advance to next week's UIL state championships in Round Rock.
With King losing two of its top seven runners to grades before the district meet, it appears Carroll is now the CCISD favorite to make a run at the state title.
"Absolutely not," said Mustangs first-year boys coach David Varga when asked if the Mustangs felt any pressure this season to duplicate last year's historic feat. "We lost seven runners from last year's team (with abilities) that you just don't find too often. Carroll has that now - they're the King of 3 or 4 years ago."
"We've talked about it and we feel like we can (make a run at state)," Carroll coach Richard Ocanas said. "When we were going to the Georgetown meet three weeks ago, we stopped in Round Rock to see the course. So, we've been to the course and now we have our sights set on state. The kids know what's at stake this weekend."
The Tigers will try to get there and do something that even King didn't do last year in claiming its first state title - win the region.
No.6 Del Rio returns to San Antonio today to try to defend its region title and remains the team to beat for Carroll, King and any other Class 5A regional challenger wanting to cross its path.
Del Rio defeated the Tigers at the Texas A&M-College Station and UTSA meets earlier this season, although Ocanas said freshman Justin Adame was injured and didn't run in either race.
Adame will run today, as will sophomore Christian Cardenas - who was moved up to the varsity from the junior varsity for this one - which should level the playing field considerably for Carroll, according to Ocanas.
"The kids feel like we're a lot stronger and we have a good chance to beat them," said Ocanas, whose team was previously ranked ninth in the state. "We're going to go after them - we feel we can upset them."
While the Mustangs aren't favored to return to state, King seniors Jorge Luis Galicia and Ryan Quezada expect to be running in Round Rock individually next week.
Galicia is the district individual champion, while Quezada placed third behind Carroll junior Robert Lawson.
"Those two are going to take me to state," Varga said of Galicia and Quezada. "They have such good camaraderie and they're both so easy to coach."
District 31-4A boys individual champion Albert Trevino of Robstown and District 30-4A runner-up Harmon McClanahan of Gregory-Portland are two of the area favorites to make it out of the region in the Class 4A boys race District 31-4A champion Calallen will also make a run at a state meet berth today in an always loaded Region IV-4A boys field.
District 31-4A girls champion and state-ranked Tuloso-Midway will attempt to do the same during the girls meet, which also features District 30-4A champion Rockport-Fulton and previously state-ranked Gregory-Portland.
The eighth-ranked Cherokees are one of only three state-ranked teams from the area - the No.7 Class A Kingsville Academy boys and No. 10 Class A Port Aransas girls teams are the others - running at regionals today.
"It will be a bigger challenge for us this year," said T-M coach Zeke Hernandez, whose team placed third in the region and 10th in the state last year. "I think we have a better team this year than last year but it will be tougher for us to get out because there's a better quality of runner this year."
G-P coach Kevin Pope couldn't agree more.
"This region is deeper than it has ever been," said Pope, whose team finished fourth at the regional meet last season after winning it two years ago. "There are six or seven very good teams (vying) for three spots at regionals, so for somebody to get out of the region this year - they're going to need some luck."
District 27-5A girls champion Carroll also hopes to be among the area's state qualifying teams when the dust clears this weekend.
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text: Bookmarks Partial knee replacementPrint-Friendly Unicompartmental knee arthroplasty; Knee replacement - partial; Unicondylar knee replacement; Arthroplasty - unicompartmental knee; UKA; Minimally invasive partial knee replacementPrevious imageEnlargeCloseNext image / Previous imageEnlargeCloseNext image / Previous imageEnlargeCloseNext image / Presentation NavigatorA partial knee replacement is surgery to replace only one part of a damaged knee. It can replace either the inside (medial) or outside (lateral) parts of the knee. Surgery to replace the whole knee joint is called total knee replacement.Total knee replacementKnee joint replacement is surgery to replace a knee joint with a man-made joint. The artificial joint is called a prosthesis.ImageRead Article Now Book Mark Article Partial knee replacement surgery removes damaged tissue and bone in the knee joint. The damaged areas are replaced with a man-made implant, called a prosthetic.Before surgery, you will be given anesthesia, which is medicine that blocks pain. You will have one of two types:General anesthesia makes you sleep through the procedure and unable to feel pain. General anesthesiaGeneral anesthesia is a treatment with certain medicines that puts you into a deep sleep so you do not feel pain during surgery. When you receive th...Read Article Now Book Mark Article Regional (spinal or epidural) anesthesia numbs you below your waist. You will also receive medicines to make you relax or feel sleepy.Spinal or epiduralSpinal and epidural anesthesia are medicines that numb parts of your body to block pain. They are given through shots in or around the spine. You w...Read Article Now Book Mark Article The surgeon will make a cut over your knee. This cut is about 3 to 5 inches long.Next, the doctor examines the entire knee joint. If there is damage to more than one part of your knee, you may need a total knee replacement. Most of the time, however, this is not needed since the tests you had before the procedure would have shown this damage. The damaged bone and tissue is removed. A man-made part made of plastic and metal is placed into the knee. Once the part is in the proper place, it is attached with bone cement. The wound is closed with stitches.I Would Like to Learn About:Expand All Collapse All Why the Procedure Is Performed The most common reason to have a knee joint replaced is to relieve severe arthritis pain. Your doctor may recommend knee joint replacement if:You can't sleep through the night because of knee pain. Your knee pain prevents you from doing daily activities. Your knee pain has not gotten better with other treatments. You will need to understand what surgery and recovery will be like.You will need to understand what surgeryWhat to ask your doctor before hip or knee replacement; Hip replacement - before - what to ask your doctor; Knee replacement - before - what to ask y...Read Article Now Book Mark Article Partial knee arthroplasty may be a good choice if you have arthritis on only one side of the knee, and you:Are older, thin, and not very active Do not have very bad arthritis on the other side of the knee or under the kneecap Have only minor deformity of the knee Can move your knee in a good range Have stable ligaments in the kneeHowever, most people with knee arthritis have a surgery called a total knee arthroplasty (TKA).Knee replacement is most often done in people age 60 and older. Risks Risks for this surgery include:Blood clots Blood clotsBlood clots are clumps that occur when blood hardens from a liquid to a solid. A blood clot that forms inside one of your veins or arteries is calle...ImageRead Article Now Book Mark Article Fluid buildup in the knee joint Failure of the replacement parts to attach to the knee Nerve and blood vessel damage Pain with kneeling Reflex sympathetic dystrophy (rare)Reflex sympathetic dystrophyComplex regional pain syndrome (CRPS) is a chronic pain condition that can affect any area of the body, but often affects an arm or a leg.Read Article Now Book Mark Article Before the Procedure Always tell your doctor or nurse what drugs you are taking, including herbs, supplements, and medicines bought without a prescription.During the 2 weeks before your surgery:Prepare your home. Prepare your homeBefore you go to the hospital for surgery, set up your home to make your recovery and life easier when you come back. Do this well in advance of you...Read Article Now Book Mark Article Ask your doctor which medicines you can still take on the day of your surgery. You may be asked to stop taking medicine that makes it harder for your blood to clot. These include aspirin, ibuprofen (Advil, Motrin), naproxen (Naprosyn, Aleve), blood thinners such as warfarin (Coumadin) and other drugs. You may need to stop taking any medicines that weaken your immune system, including Enbrel and methotrexate. If you have diabetes, heart disease, or other medical conditions, your surgeon will ask you to see the doctor who treats you for these conditions. Tell your doctor if you have been drinking a lot of alcohol (more than one or two drinks a day). If you smoke, you need to stop. Ask your doctor or nurse for help. Smoking slows healing and recovery. Let your doctor know if you get a cold, flu, fever, herpes breakout, or other illness before your surgery. You may want to visit a physical therapist before surgery to learn exercises that can help you recover. Practice using a cane, walker, crutches, or a wheelchair. WalkerNo definition available for this article.Read Article Now Book Mark Article CrutchesNo definition available for this article.Read Article Now Book Mark Article On the day of your surgery:You will usually be asked not to drink or eat anything for 6 - 12 hours before the procedure. Take the drugs your doctor told you to take with a sip of water. Your doctor or nurse will tell you when to arrive at the hospital. After the Procedure Most patients go home the day after surgery.Home the day after surgeryYou had knee replacement surgery to replace all or part of the bones that make up your knee joint. Your surgeon removed and reshaped your damaged bo...Read Article Now Book Mark Article You can put your full weight on your knee right away.After surgery, you will be encouraged to do as much as you can for yourself. This includes going to the bathroom or taking walks in the hallways with help. Most people recover quickly and have much less pain than they did before surgery. People who have a partial knee replacement recover faster than those who have a total knee replacement. Outlook (Prognosis) Many patients are able to walk without a cane or walker within 3 to 4 weeks after surgery. You will need physical therapy for 4 to 6 months.Most forms of exercise are OK after surgery, including walking, swimming, and biking. However, you should avoid high-impact activities such as jogging.Avoid high-impact activities such as joggingAfter you have knee replacement surgery, you will need to be careful about how you move your knee, especially for the first few months after surgery....Read Article Now Book Mark Article Related Information Knee joint replace...Arthritis OsteoarthritisOpen ReferencesReferencesMihalko WM. Arthroplasty of the knee. In: Canale ST, Beaty JH, eds. Campbell's Operative Orthopaedics. 12th ed. Philadelphia, PA: Mosby Elsevier; 2012:chap 7.Berger RA, Meneghini RM, Jacobs JJ, et al. Results of unicompartmental knee arthroplasty at a minimum of ten years of follow-up. J Bone Joint Surg Am. 2005;87(5):999-1006.Patil S, Colwell CW Jr, Ezzet KA, et al. Can normal knee kinematics be restored with unicompartmental knee replacement? J Bone Joint Surg Am. 2005;87(2):332-338.Richmond J, Hunter D, Irrgang J, et al. American Academy of Orthopaedic Surgeons. Treatment of osteoarthritis of the knee (nonarthroplasty). J Am Acad Orthop Surg. 2009;17:591-600.BACK TO TOP Review Date: 8/12/2013 Reviewed By: C. Benjamin Ma, MD, Assistant Professor, Chief, Sports Medicine and Shoulder Service, UCSF Department of Orthopaedic Surgery, San Francisco, CA. Also reviewed by David Zieve, MD, MHA, Bethanne Black, and the A.D.A.M. Editorial team. The information provided herein should not be used during any medical emergency or for the diagnosis or treatment of any medical condition. A licensed medical professional should be consulted for diagnosis and treatment of any and all medical conditions. Call 911 for all medical emergencies. Links to other sites are provided for information only -- they do not constitute endorsements of those other sites. © 1997- A.D.A.M. content is best viewed in IE9 or above, Firefox and Google Chrome browser.Content is best viewed in IE9 or above, Firefox and Google Chrome browser.


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Susquehanna President Touts Graduation Rate
By Jaime North
The Daily Item
Nov. 19, 2006
SELINSGROVE — When Jay Lemons first stepped foot on the campus of Susquehanna University, he knew that he had found a home.
The quaint Selinsgrove borough, friendly faculty and a student population bound with energy were all factors in making Susquehanna the perfect fit for the Nebraska native to become the school's president.
Since coming to the university in February 2001, Mr. Lemons has overseen unprecedented growth with student population, curriculum offerings and campus infrastructure.
Dr. Lemons, who predicts even more growth and advancement for Susquehanna, recently sat down with The Daily Item to discuss the coming spring semester and the future of the university.
Q: In your five-plus years, the student enrollment has grown to nearly 2,000 students — a record enrollment for the university. In your opinion, what has made Susquehanna a targeted institution for students? What are some of the goals you have in mind to further enhance its appeal?
A: Susquehanna University, we believe, is on the short list of an awful lot of students because of a valuable comprehensive look at the undergraduate educational experience. The faculty here are passionate about the role that they play in mentoring students and in trying to maximize the learning students will do during their four years here. Learning takes place outside the classroom in very meaningful ways. Whether it's at the laboratory, library or lunch room, there is powerful learning taking place not only in those settings, but so too on the performance stage, in choral groups, in clubs and organizations, on the athletic fields and in residence halls. All of these are important educational venues.
Susquehanna is well known and celebrated about having an extraordinarily beautiful campus. That is one of the characteristics that I will hear students describe to me with regularity about what attracted them to this place. I think, as well, you have to imagine that the success we have had with our students is a really important part of why Susquehanna has been an attractive institution over the course of the last decade or two. In that regard, we are very proud of the fact more than 80 percent of the students who begin here will finish here. That's an anomaly in American higher education. Susquehanna ranked 10th in regard to predicted graduation rate in (a recent) U.S. News & World Report among national liberal arts colleges. Our success in that regard, we believe, is an important reason that we have been an attractive institution.
When I think about the longer haul, we anticipate some modest continued enrollment growth. That, in part, reflects a belief that the growth can be beneficial to the education experience to the students that we have. It increases the depth we have in our academic disciplines, when we grow, we will bring with that growth a similar commitment in terms of maintaining the intimacy that is at the heart of a Susquehanna education. As well, we will work hard at maintaining a culture of a small, intimate community, where people care about one another and there is a robust friendliness about the culture of the campus.
Q: Susquehanna University recently announced the launch of its "Changing Lives, Building Futures" campaign, which aims to strengthen the learning environment for students. Could you explain the campaign and highlight some of its priorities?
A: We are very excited about launching our campaign effort. Frankly, that's what Susquehanna is all about. It's about changing students' lives in a positive way and helping them to build futures for themselves, for their families and for their community. We believe that the campaign theme really captures what we have done best from the very beginning at Susquehanna. The campaign itself involves a fundraising goal of about $70 million. The most important and largest project will be the construction of a new science building. It really is a campaign designed to help celebrate the life-changing aspects of a Susquehanna education. We believe there is role for everyone in the Susquehanna University family to play. We believe that folks can make gifts of all sizes and all types. To be sure, there are monetary goals. We need to raise the funds necessary to help build a new science building and related academic facilities. Those two projects alone are in the neighborhood of up to $45 million in total costs. Additionally, we will do some new residence hall construction during the course of the next several years beginning perhaps as early as next fall, when we anticipate record enrollment in the range of 1,950 students.
Q: Each year, Susquehanna University brings a wide array of distinguished guests to campus for public lectures and classroom visits. How does the scholarly series impact the learning environment at Susquehanna? Who are some of the prominent figures invited to campus this year?
A: We believe that bringing distinguished guests to the campus community is an important way of bringing the resources of the world to Susquehanna. Susquehanna and our sister institutions, such as Bucknell University and Bloomsburg University, and other institutions like Geisinger (Health System) have a critical role to play in making this a cosmopolitan part of the world. Bringing the resources of the world to our community is bringing an expertise to the community.
Each year, we are blessed to have a distinguished group of guests come to our campus. This fall, building upon a theme adopted by the faculty "On the Fringes", our freshman students were expected to read a book by Eric Schlosser titled "Reefer Madness" that really sought to understand and examine a number of black-market economies in our country. His visit was one of the early fall highlights. We are also delighted that Bill Strickland, who is one of the nation's most innovative not-for-profit executives, will be with us.
Q: Last year, Susquehanna University broke ground for the Douglas E. Arthur Plaza, which will honor members of the Susquehanna Society. As this project was recently completed, what are some of the other highlighted building projects planned for the future?
A: We will undertake the largest capital project in the institution's history by about two or three fold. We will be build nearly 90,000 gross square feet of new academic facilities. We have a new science building located across Seibert Hall. In addition, we will do renovation of the existing Fisher Science Building. We know that those projects will be very important for Susquehanna to be competitive and vibrant into the next 20 to 25 years. In addition, we will be doing construction of 90 additional beds for student housing. We hope this will help us to reduce the number of students who come to us and must live in what we call tripled-housing arrangements during the course of their first year. This will also accommodate the enrollment growth that is planned.
We are continually working to maintain and beautify this wonderful campus park-like environment. We will continue to try and integrate our buildings in ways that are consistent with the hallmarks of the beauty of our campus.
Q: As with any higher education institution, student safety is among the key priorities. How do you view the publicized reports of underage drinking and sexual assault involving Susquehanna students in recent years? What are some of the initiatives in place designed to curb the behavior associated with those types of incidents? As president, what is the message you would like to emphasize to students in relation to student safety and behavior, on and off campus?
A: Susquehanna is a community in our own right defined by 2,500 people who live, learn and work on this campus every day. The vast majority of those are persons who are aged 18 to 21 or 22. I think about this fundamentally as a learning environment. Those 18- and 19-year-olds are living away from home for the first time. We know that young people engage in high-risk behaviors from time to time. Susquehanna has really sought to address honestly and directly the hardships our students face both on and off campus. We have been very vigilant about seeking to help students understand the nature of this community and its values. We continue to try and help students to learn from the mistakes that they may make from time-to-time, and hold them accountable and responsible for their behavior.
In reality, the university has done a number of things, including redoubling its effort in educational programs and in creating new academic and social experiences for students, as they become members of the Susquehanna family during their first year. We're helping to provide a wide range of programming that takes place on the campus. The development of our new social place called TRAX has been one example of our trying to responsibly provide students an environment that will help to meet their desire to gather as young people do and to enjoy themselves in a safe and educationally responsible environment. There is little question, and this is not new, that a national 21-year-old drinking law provides a very challenging context for college students and college student administrators. Susquehanna has sought to work hard with local authorities in finding the right balance, and hoping that our students will be engaged in healthy activities and yet finding the right way to help them to learn from those occasions when they may have not made the best judgments.
Safety and security are always top priorities here and at other campuses. We do try to balance safety and security with the need for young people to grow into independent adults. We want our campus to be as widely accessible as it can be and to be an environment where people enjoy unusual freedoms.
Q: What you would like to express to the public, student population, parents and alumni in regard to your continuing goals as president of Susquehanna University?
A: Susquehanna is a great place. I first spent considerable time on the campus six falls ago. I arrived with a healthy respect for Susquehanna, its academic reputation, the quality of faculty and the beauty of its campus. I can tell you that six years later that the admiration I have for our faculty, our staff and for the work that they do for our students is even higher. There is a great deal of excitement about what the future will hold for Susquehanna. I know without question that the best that Susquehanna has been will be eclipsed when I have the privilege of knowing the distinguished young people, who we have graduated during the time I have been here, and know what they will do in the wider world.
Susquehanna has made a difference in so many people's lives, and it will continue to have a broader impact on our region, community, and on our nation. It's a great privilege to be a part of such an outstanding academic community.


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August 17-21 Register for upcoming training in Minneapolis, Minnesota. GFOA is offering courses on governmental accounting, pension best practices, debt management, and financial reporting.
GFOA Opens 2015 Standing Committee Membership Application Process
Applications to become a GFOA standing committee member are being accepted through July 24 and meet biannually.
2016 Call for Topics
Please submit suggestions for conference sessions that you would like to see at the 110th Annual Conference in Toronto.
GFOA Congratulates New CPFOs
Congrats to the new CPFOs. Becoming a CPFO requires a series of examinations covering the major disciplines of public finance.


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The first word : The monks in yellow robes
Once upon a time in Nepal, it was illegal to become a Buddhist monk. You could get put in prison or sent out of the country. Bhikshu Kumar Kashyap was among a group of monks who were banished in 1944. When he passed away last February, a piece of history died with him. He was the last survivor among the eight monks who were given marching orders for spreading a 'new religion'.
The new religion was Theravada Buddhism. It was making a reappearance in Nepal after having died out a couple of centuries ago. The unfamiliar sight of yellow-robed monks roaming the city a la Thailand and Sri Lanka enthralled the public, but it rattled the autocratic rulers who reacted with typical fury. They rounded up the monks and bundled them out of Kathmandu. Soldiers shepherded them as they hiked over the southern hills, only returning after making sure that they had taken the route to India.
Eighteen-year-old Kumar Kashyap was the youngest among the monks who were sent away. Born Asta Man Shakya in Tansen, Palpa, he took up the name Kumar Kashyap after becoming a novice monk. He is better known as Kumar Bhante. After his ordination in 1942, he came to Kathmandu to join the monks who were working to revive the faith under the government's watchful gaze.
The 1940s were interesting times in Nepal. The anti-Rana movement was in full spate, and four democracy activists had been executed. Theravada Buddhism had just reappeared, bringing with it a breath of fresh air into a tradition that was getting buried under esoteric rites. To give a simplified description of the three branches of Buddhism, Theravada is the form seen in Sri Lanka, Myanmar and Thailand. Its monks wear yellow robes. The second is Mahayana which is found in Bhutan. The third is Vajrayana which is practiced in the Kathmandu Valley.
The resurgence of Theravada Buddhism coincided with the democracy struggle and the two movements were mutually supportive. People lined the roadsides to stare in awe at the monks in yellow robes as they made their alms rounds. The monks preached in an easy-to-understand manner, there were no complex rituals in their back-to-basics religious practice, and their sermons were attracting ever larger crowds.
The powers that be, who were suspicious of anything that involved people getting together, were unnerved. The monks were summoned to Singha Durbar and lined up before the prime minister. They were asked to sign a statement saying that they would not preach Buddhism, write books in Nepal Bhasa or ordain women as nuns. The monks naturally refused, and were summarily ordered to get out of town within three days. And so they departed, their weeping followers accompanying them till the Valley's edge. No roads linked Kathmandu with the outside world then, and walking was the only way to get anywhere.
After crossing into India, the monks scattered in different directions. Some went to Kushinagar, and others to Kolkata and Kalimpong. Kumar Bhante first went to Kalimpong and then sailed to Sri Lanka. For a landlubber from a hill town, the island country was enlightening in more ways than one. He plunged into the study of Buddhism, freed of the fear of the authorities constantly looking over his shoulder. The times weren't easy, however. World War II was going on, and Sri Lankans were fighting to overthrow British rule. But Kumar Bhante made the best use of his stay in exile. He learnt the Sinhala language, and became a master of the Buddhist scriptures.
Call it karma, but the expulsion of the monks had the opposite effect of what the regime intended. Public opinion against the rulers intensified, and Theravada Buddhism gained more adherents. Literature received a fillip with the monks turning into prolific writers. The forced tour also brought the monks international exposure and bad press to the Nepal government.
Buddhists in Sri Lanka were their greatest sympathisers. In 1946, they sent a goodwill mission to Nepal and pleaded with the prime minister to allow the monks to return. And so the yellow-robed men came back after having spent two years abroad. Theravada Buddhism was here to stay. Kumar Bhante returned to Kathmandu from Sri Lanka and took to writing books besides teaching at Ananda Kuti Vidyapeeth in Swayambhu. Subsequently, he became abbot of Ananda Kuti Vihar. He was the Deputy Chief Monk when he passed away at age 85.
Posted on: 2012-04-07 09:41


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Although talks continue between both parties, the planned meeting between the Rams and running back Steven Jackson's agent have yet to take place, Jim Thomas of the St. Louis Post-Dispatch reports.
Jackson has until the start of free agency March 12, now less than a month away, to decide whether to void the final year of his contract. If he voids, Jackson becomes a free agent. Jackson said four weeks ago on the NFL Network that the parties would sit down in February.
"We're going to talk about my possibilities, where I want to go, and does it fit?" Jackson said at the time. "I believe we'll get everything resolved before March."
The Rams have consistently said that they want Jackson back in 2013. But his scheduled base salary of $7 million in 2013 (if he doesn't void) would be tough to take for the cap-strapped Rams. They are currently a couple of million dollars over the projected salary cap ceiling for 2013. The most likely scenario is that Jackson voids the contract, tests the market, but the Rams continue to negotiate with him for a lower number than $7 million.
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Your source for the latest research news
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80 Percent of Burmese Long-Tailed Macaques Use Stone-Tools to Hammer Food
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Baboons Prefer to Spend Time With Others of the Same Age, Status and Even Personality
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Male Hormones Help Lemur Females Rule
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Huntington's Disease Monkeys Display Progressive Clinical Changes and Neurodegeneration
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Wild Bearded Capuchin Monkeys Really Know How to Crack a Nut
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Monkey Droppings Complement Field Observations, Researchers Report
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Bats Use Both Sides of Brain to Listen -- Just Like Humans
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Hormone Known for Mother's Milk Also Fosters Bond Between Parents
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Bitter Chocolate: Illegal Cocoa Farms Threaten Ivory Coast Primates
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Ebola Whole Virus Vaccine Shown Effective, Safe in Primates
Mar. 26, 2015
An Ebola whole virus vaccine, constructed using a novel experimental platform, has been shown to effectively protect monkeys exposed to the often fatal virus. It differs from other Ebola vaccines ...
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Tuesday, May 19, 2015
Critically endangered gibbon: New action plan to save world's rarest primate
Wednesday, May 13, 2015
80 percent of Burmese long-tailed macaques use stone-tools to hammer food
Baboons prefer to spend time with others of the same age, status and even personality
Tuesday, May 12, 2015
Male hormones help lemur females rule
Huntington's disease monkeys display progressive clinical changes and neurodegeneration
Wednesday, May 6, 2015
Flower find provides real-time insight into evolution
Thursday, April 30, 2015
Wild bearded capuchin monkeys really know how to crack a nut
Tuesday, April 28, 2015
Monkey droppings complement field observations, researchers report
Monday, April 27, 2015
Bats use both sides of brain to listen -- just like humans
Monday, April 20, 2015
Getting a better grasp of primate grip
Big bottoms aren't everything to male baboons
Thursday, April 16, 2015
Critically endangered monkey photographed in Congo's newest national park, Ntokou-Pikounda
Wednesday, April 15, 2015
Female chimps more inclined to use tools when hunting
Monday, April 13, 2015
Chimpanzees show ability to plan route in computer mazes
Tuesday, April 7, 2015
The hoo's hoo of gibbon communication
Monday, April 6, 2015
For ticks, researchers find lemur noses to be males only in Madagascar
Monday, March 30, 2015
Clues to aging from long-lived lemurs
Hormone known for mother's milk also fosters bond between parents
Bitter chocolate: Illegal cocoa farms threaten Ivory coast primates
Thursday, March 26, 2015
Ebola whole virus vaccine shown effective, safe in primates
Monday, March 16, 2015
Milk protein comparison unveils nutritional gems for developing babies
Baboon friends swap gut germs
Tuesday, March 10, 2015
Move over Mozart: Study shows cats prefer their own beat
Disease poses risk to chimpanzee conservation, study finds
Thursday, March 5, 2015
Mapping 'switches' that shaped the evolution of the human brain
Wednesday, March 4, 2015
Amazon deforestation 'threshold' causes species loss to accelerate
Vampire bats: Who bit whom?
Thursday, February 26, 2015
One brain area, two planning strategies
Wednesday, February 25, 2015
Monkeys shown in human settings can increase their desirability as pets
Tuesday, February 24, 2015
Boy or girl? Lemur scents have the answer
Wednesday, February 18, 2015
Models predict where lemurs will go as climate warms
Monday, February 16, 2015
More infectious diseases emerging in animals as climate changes, say zoologists
Thursday, February 12, 2015
Curious monkeys share our thirst for knowledge
Ebola study in macaques provides timeframes for post-mortem viral stability
Thursday, February 5, 2015
Similar statistics play role in decision-making and World War II code breaking
Wednesday, February 4, 2015
Fossils from heart of Amazon provide evidence that South American monkeys came from Africa
Attention: How eyes reveal the brain's focus
Tuesday, February 3, 2015
Machine learning offers insights into evolution of monkey faces, researchers find
Thursday, January 22, 2015
Fine motor skills for robotic hands
Monday, January 19, 2015
Fossil ankles indicate Earth's earliest primates lived in trees
Thursday, January 15, 2015
Human mode of responding to HIV vaccine is conserved from monkeys
Long-acting drug effectively prevents HIV-like infection in monkeys
Tuesday, January 13, 2015
Endangered monkeys in the Amazon are more diverse than previously thought, study finds
Monday, January 12, 2015
New strains of parasites identified: Research on whipworms has implications for human health and animal conservation
Thursday, January 8, 2015
Facial motion activates a dedicated network within the brain
Monkeys can learn to see themselves in the mirror
Monday, January 5, 2015
Over 28,000 endangered lemurs illegally kept as pets in Madagascar may threaten conservation, survival of species
New hope for Borneo's orangutans despite threats of future climate change, deforestation
Friday, January 2, 2015
HIV vaccines should avoid viral target cells, primate model study suggests
Wednesday, December 31, 2014
Unique Sulawesi frog gives birth to tadpoles
Thursday, December 18, 2014
No 'bird brains'? Crows exhibit advanced relational thinking, study suggests
Tuesday, December 16, 2014
DNA sheds light on why largest lemurs disappeared: Giant lemurs' demise linked to size, low numbers
Monday, December 15, 2014
Linguistic methods uncover sophisticated meanings, monkey dialects
Show us how you play and it may tell us who you are
Barbary macaques form male bonds, study reveals
Thursday, December 11, 2014
Human DNA shows traces of 40-million-year battle for survival between primate and pathogen
Wednesday, December 3, 2014
Parasites and the evolution of primate culture
Tuesday, December 2, 2014
Unlike people, monkeys aren't fooled by expensive brands
Monday, November 24, 2014
Primates indispensable for regeneration of tropical forests
Thursday, November 13, 2014
Females protect offspring from infanticide by forcing males to compete through sperm
Wednesday, November 12, 2014
Single-dose, needle-free ebola vaccine provides long-term protection in macaques
Tuesday, November 11, 2014
Tools and primates: Opportunity, not necessity, is the mother of invention
Friday, November 7, 2014
Ebola in Democratic Republic of the Congo: A new strain of the virus
Wednesday, November 5, 2014
Humans, baboons share cumulative culture ability
Tuesday, November 4, 2014
Ebola, Marburg viruses edit genetic material during infection
Lemurs: Gardeners of Madagascar rainforest at risk
Monday, November 3, 2014
Malaria from monkeys now dominant cause of human malaria hospitalizations in Malaysia
Nasal spray vaccine has potential for long-lasting protection from Ebola virus
First Immature form of HIV seen at high resolution surprises researchers
Saturday, November 1, 2014
Immune cells proposed as HIV hideout don't last in primate model
Wednesday, October 29, 2014
Teeth, sex and testosterone reveal secrets of aging in wild mouse lemurs
Tuesday, October 21, 2014
Kung fu stegosaur: Lethal fighters when necessary
Beyond LOL cats, social networks could become trove of biodiversity data
Friday, October 17, 2014
'Red effect' sparks interest in female monkeys
Wednesday, October 15, 2014
Informative visit to the toilet, for lemurs
Thursday, October 9, 2014
Entire female reproductive tract susceptible to HIV infection in macaque model
Tuesday, September 30, 2014
Ebola: New therapies to combat virus
Thursday, September 25, 2014
Stem cell transplant does not cure SHIV/AIDS after irradiation of infected rhesus macaques
Pneumonia bacterium leaves tiny lesions in the heart, study finds
Wednesday, September 24, 2014
Skin coloring of rhesus macaque monkeys linked to breeding success, new study shows
Thursday, September 18, 2014
How pneumonia bacteria can compromise heart health
Human sense of fairness evolved to favor long-term cooperation, primate study suggests
Tolerating, not fighting, viruses a viable survival strategy
Thursday, September 11, 2014
Steroid hormone to fight age-related diseases
Cat bites dog: In India's human dominated landscapes, top prey for leopards is dogs
Wednesday, September 10, 2014
Gibbon genome sequence deepens understanding of primates rapid chromosomal rearrangements
Male–male bonds as a key to the evolution of complex social systems
Monday, September 8, 2014
Rapid and durable protection against Ebola virus with new vaccine regimens
Thursday, September 4, 2014
Breast vs. bottle feeding in rhesus monkeys: Marked difference in intestinal bacteria, immunologic development
Tuesday, September 2, 2014
Brain circuit differences reflect divisions in social status in macaque monkeys
Friday, August 29, 2014
Leading Ebola researcher says there's an effective treatment for Ebola
Wednesday, August 27, 2014
The evolutionary roots of human altruism
Friday, August 22, 2014
Many in U.S. lack knowledge about Ebola, its transmission, poll finds
Thursday, August 21, 2014
New monkey model of severe MERS-CoV disease established
The marmoset animal model recapitulates disease symptoms of MERS infection in humans
Wednesday, August 20, 2014
Researchers develop treatment effective against lethal Marburg virus
Tuesday, August 19, 2014
Philippine tarsier: Genetic proof of a new variety
Hope for healthy hearts revealed in naked mole rat studies
Monday, August 18, 2014
Pigs' hearts transplanted into baboon hosts remain viable more than a year
Thursday, August 14, 2014
Antibodies together with viral 'inducers' found to control HIV in mice
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Wildbirds & Peacedrums have been on the road for the last four years, performing, recording, and taking in the sights. The Swedish duo were kind enough to spare me a quick Q&A before their show in Portland on Saturday.
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text:
FIG. 1 is a front elevational view of a multi-screen TV showing our new design;
FIG. 2 is a rear elevational plan view thereof;
FIG. 3 is a side elevational view thereof;
FIG. 4 is a top plan view thereof;
FIG. 5 is a bottom plan view thereof; and,
FIG. 6 is a rear perspective view thereof, the front view being a mirror image without the electrical plug and with the control panel as shown in FIG. 1.


text:
Stk. 1973 1977 Chevrolet El Camino Back in the late 1950's, the folks at GM decided that they had best create a coupe-utility vehicle in... More
Just in! Call or visit our webiste for more information.... More
1977 Chevrolet El Camino, This gem drives well on high ways. Turns heads almost every it goes, with it's Rally wheels and Beauty Rim's I... More


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CORRELATED TO THE NATIONAL HEALTH EDUCATION STANDARDS, THIS IS THE PROGRAM YOU CAN TRUST! This well-respected program gives your students the skills they need to stand up to peer pressure, avoid risky behaviors, and develop the resilience they need to handle the changes they'll face during their school years...and throughout their lives.Edition/Copyright: 9TH 05
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text:
Restoration dream becomes nightmare on N. HuronWednesday, May 25th, 2005
Built in 1868, the house at 915 N. Huron St. was once an elegant building. Despite its broken windows, crumbling porches and trash-strewn yard, one cannot help but marvel at some of the details in its Empire architectural style.
A mansard roof, sculpted window brackets and third-floor dormers are just a few of the aesthetic pleasures that catch the eye.
"The building has been empty for at least four years," said Sue Burkette, who owns a nearby house. "This hurts the revitalization efforts of the Vistula Historic District."
Burkette was concerned that the city will respond by demolishing the house. She cited on-site ownership as the best way for restoration.
"Part of the neighborhood's problem is the large number of renters," she said. "Investors come in, carve the buildings into multi-unit rentals, and the buildings become rundown."
The building is owned by Zein Ismail, who says his dream of renovating the house became nightmarish.
"When I bought this house, I thought I could help improve the neighborhood," Ismail said. "Thieves showed up after every project. They stole metal pipes, my equipment and even a marble fireplace."
Ismail said he hopes to "get things moving" in the next four-to-eight weeks.
"I love this building, but I can only do so much," he said. "I called the city and neighborhood groups, but no one can help me."
Ismail said he doubts anyone can succeed with the house — which has accumulated $4499.20 in back taxes — until the neighborhood improves.
"I tried my hardest, but I have been threatened many times," he said. "My workers don't want to go there without protection."
An alleged "crack house" across the street, said Ismail, is the biggest impediment to restoring the house to its former grandeur.
"It's like a war zone at night," he said. "Things are out of control down there."
If you know of any buildings that might make good subjects, send suggestions to: firstname.lastname@example.com.


text:
Milan Michalek proved to be well worth the wait.
Michalek scored his first NHL hat trick Thursday night to spark the Ottawa Senators to a 7-1 win over the Tampa Bay Lightning. Two of his three goals came with the Senators shorthanded.
Michalek, who came to the Senators along with Jonathan Cheechoo in the Dany Heatley trade, entered the night with only one point, a goal, in Ottawa's first five games, so the pressure was starting to build. But when Michalek connected on a power play midway through the third period to complete his big night and to give the Senators a 6-1 lead, the hats started pouring onto the ice.
"To see all the people standing and clapping for me was an awesome feeling," Michalek said. "Hopefully, there're many goals to come."
From the moment Heatley announced that he wanted to be traded this summer, there was speculation in Ottawa about what a potential deal would yield. The Edmonton Oilers seemed to be first out of the gate in the Heatley sweepstakes, and by August other teams figured prominently in the rumor mill.
The San Jose Sharks were among those teams and names were bandied about both in two-way and three-way trades. When the dust finally settled on the deal that sent Heatley to San Jose, one player involved was never even considered by most armchair general managers as being available in a potential trade -- Michalek.
Just 24 and already a fixture on the potent San Jose attack, Michalek was deemed by most outsiders as virtually untouchable. A responsible two-way performer whose maturity belies his youth, Michalek was nurtured in the San Jose organization ever since he was drafted with the sixth pick of the 2003 Entry Draft. And he responded in spades with three consecutive 20-plus goal seasons and a walloping plus-49 rating in 317 games with the Sharks.
"Michalek came into the deal fairly late," said Senators GM Bryan Murray, who had been in discussion with Sharks GM Doug Wilson about Heatley all summer. "We certainly felt that he was the quality guy that can play on our top line. We had a variety of names that we talked about and eventually I asked about Michalek.
"There were a lot of calls and negotiating and trying to make something happen that is realistic for both clubs. What we feel we're getting is a top line left winger (in Michalek) and Jonathan Cheechoo, who underachieved last year partly because of the injury factor."
While Cheechoo had been the subject of trade rumors all summer, there was no serious talk about Michalek being involved in any deal. The native of Jindrichuv Hradec in the Czech Republic was surprised by the announcement, but to his credit he has quickly adapted to his new home.
"It is a fresh start for me," Michalek said. "It's going to be different here than in California. I knew this team had a lot of great players, but when I came I realized quickly that there is an unbelievable amount of talent up front with Daniel Alfredsson, Jason Spezza, Mike Fisher and the rest of the guys. I am happy to be here with them in the locker room, practicing with them every day, watching them on the ice. It's great for me."
Growing up in the Czech Republic, Michalek idolized Jaromir Jagr, but his mentor was his father, Milan Sr.
"My dad wasn't involved in sports but he was always a good mentor," Michalek said. "He was always there for us, drove us to practices and games. It was great. When I got traded to Ottawa I called him and he was really surprised. But it's going to be closer for them to come see me play. Instead of an 11-hour flight it will be a 6-hour flight. My family will come over and see me play."
Another person Michalek spoke with following the trade was former Senator and fellow countryman Martin Havlat, now a marquee player with the Minnesota Wild. Havlat didn't dispense any technical advice, but simply told the younger Czech to soak up the hockey culture in his new home.
"Marty told me a lot about Ottawa," Michalek said. "I asked him what it was like here and he told me a lot of great things, about all the guys he played with here, the fans being awesome, and he introduced me to some of his friends. He didn't give me particular advice on how to play. I know what I have to do -- be relaxed, play hockey and have fun."
Michalek is up for the challenge and wants to send a clear message to Senators Nation.
"I know I will work as hard as I can every shift," Michalek said. "I want to be as useful as I can for the team and do anything possible to earn the win. I know the fans love hockey here and everybody knows a lot about the game. If I have a bad game during the long season, I will have to get over it, but I'm always going to do my best and work hard.
"I would love to be used in all situations. Last year I was used on the power play as well as killing penalties, and I loved it. If I can play both here, it would be awesome. But I will give everything I have no matter what role I am given on this team."
Teammates agree that Michalek will be a big part of any Senators revival.
"Milan is a good, young guy and a big guy who skates well," Fisher said. "He is a good all-around player who is fitting in real well. Milan is a big body that can skate really well. He's got a good scoring touch and I think he has just touched upon his potential. We will be counting on him and I'm sure he is going to have a good year for us."
Material from wire services was used in this report


text:
Rocky Mountain Research Station Publications
RMRS Online Publication - Journal
Articles, External Publications, and Special Reports
Effect of conifer encroachment into aspen stands on understory biomass
Stam, B. R.; Malechek, J. C.; Bartos, D. L.; Browns, J. E.; Godfrey, E. B. 2008. Effect of conifer encroachment into aspen stands on understory biomass. Rangeland Ecology & Management. 61(1): 93-97.
Conifers (Picea and Abies spp.) have replaced aspen (Populus tremuloides Michx.) over much of aspen's historic range in the western United States. We measured the impact of this change upon the production of understory vegetation potentially useful as forage for livestock and wildlife on two southern Utah national forests. A negative exponential relationship between conifer cover and understory biomass was demonstrated as log (biomass) 56.2520.03787(% conifer), adjusted R250.57. Understory production in aspen stands begins to decline under very low levels (10% to 20%) of conifer encroachment. Management implications include loss of forage production capability and wildlife habitat and potential overstocking of livestock grazing allotments if the associated loss of forage is not considered.
Keywords: canopy, Dixie National Forest, Fishlake National Forest, forage, Populus tremuloides
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PRESTONSBURG — In 1987, Paris, Ill., resident Randy Steidl says he never imagined he would soon be sentenced to die for a double murder he did not commit. Over the next 12 years, there were times when he nearly gave up hope that he would ever be freed.
"There were times I would pray at night for God to let me die in my sleep, so my loved ones wouldn't have to suffer and I wouldn't have to suffer anymore." Steidl said.
But Steidl would not have to die to escape death row. In 2004, Steidl was exonerated of the crimes that kept him in prison for 17 years.
Steidl was at Big Sandy Community and Technical College last week, the final stop in a statewide tour of seven college campuses over the preceding four days.
Steidl told those in attendance that the death penalty system is riddled with errors and inequities, which make implementing the state's most severe punishment a risky proposition.
"Illinois had 20 of us, 20 of us that were exonerated from death row, out of 160," Steidl said."That's the kind of system we have in this country. There's 141 of us in this country, the lucky ones. We don't know how many were not as fortunate.
"It wasn't the system that freed me. I was freed in spite of the system."
Steidl said those who want to see the worst criminals punished should sentence them to a fate worse than the death penalty — life without the possibility of parole.
"Having been on death row, I watched seven men walk by my cell to be executed, and I often wondered if they were delusional, because they were smiling, they had peace in their eyes," Steidl said. "But I realized that they knew that at midnight, at 12:01, they were being released. Because many, many a night, I laid in that cell, 23 hours a day, praying to God I would just die … As harsh as death row was, I found the five-and-a-half years of a life sentence that I did was far harsher."
Today, he works with Witness to Innocence, the nation's only anti-capital punishment advocacy group created by and working on behalf of former death row inmates and their families. Members of the group speak around the country in an effort to convince states to abolish the death penalty.
Steidl's visit was sponsored by the Kentucky Coalition to Abolish the Death Penalty, Kentuckians for the Commonwealth, and the Kentucky chapter of the American Civil Liberties Union.


text: |Coaster realizes the importance of your home which is why they have an endless variety of furniture in countless styles and designs. Three built-in lights beneath the platform rail of this pier bed add romantic ambient light to your master bedroom. The sleek look of the headboard and platform base offers uncomplicated contemporary style for a striking and calming space. Add this bold bed to your bedroom for a unique focal point. Materials: Wood/wood veneer, metal Dimensions: Queen: 89" L x 73" W x 453" H King: 90" L x 81" W x 43" H CA King: 93" L x 84" W x 43" H Mattress, lamp, dresser, night stand and accessories sold separately


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A Reshuffled Deck Key To Winning Hand
Vietnam's banking sector has enjoyed a boom time in recent years, but low asset quality and a particularly high ratio of non-performing loans, has triggered great concern, writes Vietcombank Securities analyst Quach Thuy Linh.
Vietnam's banking sector assets have seen strong growth during recent years, climbing to VND2,690 trillion ($130 billion) in 2010, a sharp increase of 33.92 per cent on 2009 numbers and twice the 2007 figure.
This figure is forecasted to reach VND3,667 trillion ($177 billion) by the end of 2012.
In the long-term, PricewaterhouseCoopers forecast the total assets of the sector will achieve an average growth rate of 9.3 per cent during 2009-2050, which is much higher than that of Asian countries like Indonesia, China and the same as that to be experienced by India. This fast growth indicates good prospects for the sector but a higher quality of asset management is needed to achieve an equivalent growth of profitability.
The increase in households' income and demands for retail banking also enabled the sector to generate a high growth rate of 29.5 per cent in the number of banks from 2006 to 2010. There were 101 banks and foreign bank branches operating in 2010. Accordingly, the number of ATMs rocketed from 1,800 in 2005 to 11,700 in 2010 while the number of credit and debit cards issued doubled to 31.7 million during 2008 – 2010.
Competition boils over
Vietnam's banking sector includes three groups of banks: state-owned commercial banks (SOCBs), joint stock commercial banks (JSCBs) and joint venture banks and 100 per cent foreign-owned banks (JVBs and FBs).
Most SOCBs have the advantage of large capital size, reflected in the VND64,037 billion ($3.1 billion) in chartered capital of the four largest SOCBs in 2010. Their traditional customers are state-owned enterprises (SOEs), which have higher exposure to non-performing loans (NPLs) than other enterprises. According to State Bank statistics, 60 per cent of 2010′s NPLs were those of SOEs.
Meanwhile, JSCBs have a more diversified shareholder composition than SOCBs and focus on retail banking and lending to small- and medium-sized enterprises (SMEs). However, most of these banks have small chartered capital size – below VND5,000 billion ($242 million). As a result, many banks have faced liquidity problems and this ignited an interest rate among banks in the first half of 2011. These problems have become even more severe given the 14 per cent credit cap is being strictly implemented by the State Bank. This has led to VND deposits shifting from small to large banks. Some banks are also under pressure to meet the minimum requirement of VND3,000 billion in chartered capital by the end of 2011.
Being supported by modern technology and good corporate governance, JVBs and FBs have advantages in developing sophisticated products and providing high quality services to customers. Large FBs like HSBC, Citibank, ANZ, Standard Chartered and Deutsche Bank took major steps in expanding their operating network in Vietnam in late 2010. Citibank and Standard Chartered officially launched its retail banking in Hanoi in October 2010 while HSBC increased its number of branches from three to five in September last year. Many other foreign bank branches (FBBs) including Huanan, Chinatrust and Mizuho also increased the capital contributed by their parent banks at the end of 2010. In addition, some FBs are holding stakes in domestic JSCBs to exploit their customer base and operating network.
The competition among these three groups in lending and mobilising funds has become significantly more fierce. In detail, the market share of JSCBs grew dramatically in recent years, reaching 37.1 per cent for credit and 42.8 per cent for deposits in 2010. These banks did this by successfully grabbing market share from SOCBs. However, the market share of JVBs and FBs, particularly in terms of deposit shares, has not undergone any major changes due to their mobilisation being capped in relation to capital sourced from parent banks. The deposit and credit market share of these banks were 8.9 per cent and 13.6 per cent respectively in 2010. Although the limits on fund mobilisation have been lifted since the beginning of 2011, it will take FBs some time to boost their market share in their favour as their operating networks are relatively small compared to those of domestic banks.
But in terms of retail banking, FBs have put increasing pressure on SOCBs and JSCBs with the advantage of technology creating a firm base for them to provide sophisticated products and enhance their retail banking with higher profit margins. FBs are also likely to show strong expansion in future as they are now on an equal footing with domestic banks. Although their deposit and credit share cannot soar immediately because of modest operating networks, the lifting of limits on fund mobilisation has enabled them to expand their businesses and customer base. Leading banks in this group will be the ones who persist with Vietnam and have a firm understanding of the Vietnamese market. These include HSBC, ANZ and Standard Chartered.
Credit growth races ahead of GDP
Vietnam's banking sector has demonstrated typical characteristics of an emerging market in the fast growth of credit, deposits and money supply M2 during 2000-2010. The average growth of deposits and M2 were 28.91 per cent and 29.19 per cent respectively while that of credit reached 31.55 per cent. Compared with regional peers, Vietnam's credit and M2 growth are much higher than those of Indonesia (14.5 per cent and 12.4 per cent) and Thailand (7 per cent and 4 per cent). Therefore, this growth has partially contributed to Vietnam's high average GDP growth of 7.15 per cent in this period.
Some researchers have pointed out that credit growth ranging from 14 per cent to 20 per cent can generate a GDP growth of 7 per cent without causing a credit bubble. When this growth exceeds 20 per cent, however, the health of the economy may be threatened. Vietnam finds itself in this position with credit growth four times higher than GDP growth in 2010. This is one of the reasons why international rating institutions like Fitch, S&P and Moody's downgraded Vietnam credit rating in 2010.
In response to this issue, the government promptly drew up the 2011-2015 plan with top priority given to credit activities. The government will focus on stabilising the purchasing power of the dong and limiting credit growth to within three times that of GDP growth. At the same time, M2 growth will be maintained in accordance with economic growth with a preference for a low growth rate to control inflation.
Loaning up to the truth
Currently, there are two main concerns regarding loan quality: the significant increase in NPLs of the sector in recent times and the differences in loan classification between the Vietnam Accounting Standard (VAS) and the International Accounting Standard (IAS).
Recent State Bank statistics show an upward trend in Vietnam's NPL ratio from 2007 to June 2011, excluding the figure for 2008 when the financial crisis occurred. By the end of June 2011, the NPL ratio of the whole sector was 3.1 per cent, 60 points higher than in 2010 with group 5 loans accounting for 47 per cent of total NPLs. In particular, the NPL ratio of HCM City was as high as 4.39 per cent. According to State Bank representatives, the worst case scenario would see NPL ratios reaching 5 per cent by the end of 2011, which is much higher than the 3.5 per cent of 2008 and the highest level since 2003. Persistent high credit growth together with inefficient credit management and low transparency are the main reasons for this increase.
Therefore, the State Bank has showed its determination to improve credit management by introducing the 2010 Credit Law, which focuses on strengthening the management of credit institutions to bring them closer to international standards. In terms of transparency, Circular No.09 regulating public disclosure is being sent for feedback. This document will help improve the transparency of firms and banks.
It is noteworthy that the NPL ratio of 3.1 per cent was calculated based on VAS while that figure was actually 13 per cent according to IAS. The huge gap was caused by the differences in loan classification between these two accounting systems. At present, Vietnamese banks only classify the due amounts of NPLs that cannot be paid and not the whole outstanding loan. Using the IAS system, however, the whole loan amount is the basis for calculations. In addition, the current practice of most domestic banks is to use quantitative methods to classify their loans without considering qualitative factors like financial status and business results of enterprises, resulting in an inaccurate reflection of loan quality.
Both quantitative and qualitative methods were introduced five years ago in Decision No.493/2005/QD-NHNN. To date, however, only BIDV, Agribank and VCB have applied both these methods. There are three main explanations for this. Firstly, banks have to build their own internal credit rating system to apply the qualitative method, which is not a simple task. Second, Decision 493 did not provide detailed instructions on applying the qualitative method.
And most importantly, classifying loans under the new method causes the NPL ratio to be three times higher than using the traditional scheme and very few banks want to reveal such a high NPL figure. That also explains why some banks use loan rescheduling or avoid classifying their loans into group 3-5 to as a way to maintain a low NPL ratio. As a result, the gap in loan classification between VAS and IAS is getting bigger.
To tackle this problem, the draft of new Circular on loan classification is being sent out for feedback. Decision No. 493 will then be replaced.
Banks undervalued
Vietnamese banks have managed to maintain good profit growth even in the economic downturn. This is reflected in the average growth of the top eight banks in 2008, 2009 and 2010 (46 per cent, 59 per cent and 31 per cent respectively). Banks notching up outstanding performances in this period were mainly JSCBs. These were EIB, MB, TCB and MSB. CTG is the only representative of SOCBs achieving outstanding performance during 2008- 2010. Although FBs' business results were not widely published, leading player HSBC reported a high net profit after tax growth of 40 per cent in 2010.
The listed banks are trading at a price-to-earnings (P/E) ratio of 8.5x, which is not high in comparison to listed companies in sectors like food (12.9x), insurance (14.4x), real estate (11.5x), investment (10.8x) and tourism (9.2x). In addition, Vietnamese banking stocks with a P/E of 8.5x and a price-to-book ratio of 1.2x are undervalued compared to other countries like Malaysia, Indonesia, Thailand and the Philippines. Meanwhile, profitability is maintained at a high level of 1.4 per cent for return on assets and 16.6 per cent for return on equity.
All things considered, the current market conditions favour large banks with high financial capacity in terms of lending and mobilising funds. However, banks still need to further improve loan quality and maintain high but sustainable growth.
Category: Finance


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'It's All Politics': NPR's Weekly News Roundup
11:35 am
Fri May 11, 2012
It's All Politics, May 10, 2012
By editor
Gay marriage gets an advocate in the White House, but only after Vice President Joe Biden has his say. President Obama's announcement comes a day after North Carolina voters overwhelmingly rejected the concept. And Dick Lugar's 36-year Senate career comes to an end in Indiana. Meanwhile, in the West Virginia primary, Obama defeats a jailed felon from Texas, 59 percent to 41 percent.
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Shaoxing County Shalang Import & Export Co., Ltd.
|Business Type:
|Trading Company
|Main Products:
|Zhejiang, China (Mainland)
|Year Established:
|Number Of Employees:
|5 - 10 People
|Total Annual Sales Volume:
|US$50 Million - US$100 Million
|Main Markets:
|Product Certifications:
|Average Lead Time:
|35 Day(s)
Shaoxing County Shalang Imp & Exp Co., Ltd. has more than ten years of designing, producing and exporting experience in the line...
Shaoxing County Shalang Imp & Exp Co., Ltd. has more than ten years of designing, producing and exporting experience in the line of home textile,Wall paper Wall fabri, being professional in embroidery fabric, jacquard fabric, warp knitting fabric, printing fabric, burn out fabric, and flocking fabric. We can provide all kinds of window screen, ready made curtain, bedding and home textile product.
Our company is located in China's Textile City - Keqiao, which is one of the biggest home textile centers in Asia. We are only about 20km to Hangzhou International Airport, with very convenient transportation. We have strong price and quality advantage by efficient management and cost saving.
Our products are mainly sold to the Middle East, Europe, Africa, South America, Morocco, Tunis, Algeria, South Africa, Senegal, Italy, Spain, Poland, Jordan, Kuwait, and Lebanon, totally about twenty countries and regions. We have kept long-term cooperation with some foreign famous home textile companies, developing new products together.
"The lowest price, quality products and excellent service" is always our management tenet.
We warmly welcome your inquiry and visit, and expect your cooperation!
Company Capability
Trade Capacity
Northern Europe : 14.00%
Western Europe : 14.00%
Production Capacity
Quality Control
Test Equipment and Facilities : Quality
R&D Capacity
No. of R&D Staff : Less than 5 People
Email to this supplier


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KitchenAid Food Processor with 13 Cup Bowl
This new 13 cup capacity food processor is now available with 3 speeds for ultimate performance. The Extra wide feed tube is great for all those oversize foods and products. The great thing about this particular Food Processor is the external adjustable stainless steel slicing disc. There is a mini bowl on the inside for smaller jobs, so you don't have to dirty the big bowl or use a 13 cup bowl for 1 cup worth of chopping.
Kitchen aid 13 Cup Food Processor Features:
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Questions on KitchenAid 13 Cup Food Processor White
- From at 10/3/11 6:19 PM
- How many watts is the motor? I make gyros all the time and burned up the motor in my old 12 cup doing it.
- Per Kitchen Aid the New Kitchen Aid 13 Cup Food Processor Model KFP1333 has a DC motor and is rated at approximately 900-1700 RPM's. However, they were unable to provide the wattage of the motor.
- Do you find this question helpful? Yes No
- From at 12/27/11 6:21 AM
- From at 10/24/11 3:49 AM
- Any reviews about the efficiency of the adjustable blade of this food processor? Is it worth the investment as I already have 2 Cuisinarts.
- This is a newer model of Kitchenaid food processor, so there are not really any consumer comments on this model yet. However, I called Kitchenaid, and the representative stated that she had used this food processor in the Kitchenaid test kitchen, and that she found the adjustable blade to work very well for slicing many different types of food from very thin to thick and that it was particularly good about not getting clogged. I know that this is not a consumer's experience, but it may at least help answer your question!
- Do you find this question helpful? Yes No
- From at 10/13/11 8:33 AM
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- What are the measurements of the 9cup vs the 13 cup? I can not seem to find the comparison anywhere. Thanks, Cheryl
- The Kitchen Aid 13 Cup Food Processor Model KFP1333WH measures 16.6" H x 11.8" W x 10.9" D. The Kitchen Aid 9 Cup Food Processor Model KFP740 measures 10-1/2 by 14-1/2 by 8-9/32 inches.
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I got the 13 cup food processor for Christmas 2012. I've used it twice and love it. The ease of use is fantastic! I love Kitchenaid, got the mixer 4 years ago for Christmas. (Posted on 12/29/12)
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Product Manual Name KitchenAid 13 Cup Food Processor White Color White Material Plastic and Steel Type Food Processors Capacity 13 Cup Home or Commercial Home Brands KitchenAid Voltage (volts) 120 Manufacturer's Warranty 1 Year Limited Manufacturer Warranty Weight (in Lbs) 25.0000


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Ashley Hardiman is a co-owner of Salon Zen and Studio Zen, as well as the Nail Pro at Salon Zen. She has been doing nails since 2005. She enjoys doing natural nail services the most, since manis and pedis are what encourage people relax and unwind. Ashley received certification as a Creative Nail Design Master Technician in 2006, and attends hands-on training and industry trade shows at least once a year to stay current on sanitation practices and trends in the nail business. She believes that not only should her clients have beautiful hands and feet, they should be educated on the products being used on them, and know with certainty that she is performing a safe, clean service.
Sally Simpson has been the Salon Coordinator at Salon Zen since 2008. Sally's smiling face is the first thing people see when they walk through the door. She makes everyone feel welcome at Zen! She loves all the girls there and has fun hanging out with them. She will do whatever it takes to make Salon Zen guests comfortable and relaxed while being pampered.
Devon Stevenson became a hairstylist in 2004. She pays attention to detail, considers face shape, texture of hair, and skin tone when creating a look for her clients. She is very personable and easy to communicate with. She also enjoys chemical straighteners, spiral perms, and updos for any occasion as well as cuts and colors.
Ryan Dunn has been a stylist since 2005, and has been with Salon Zen since the beginning of her career. She specializes in haircuts, color, color corrections and texture services. Ryan is certified in the Keratin Complex hair smoothing system by Coppola; great for curly, frizzy and unruly hair. Her favorite part of the job, other than making her clients happy, is working on all the new and different people she gets to meet.
Robyn Henson has been an esthetician since 2002. She is licensed by the state of Oklahoma, and has had additional training in various areas of skincare in Las Vegas, NV; Dallas, TX; and the University of Buxton, United Kingdom. Her services include a wide variety of facials and body treatments with a European flare that will leave you relaxed and refreshed while providing optimal results. Her services also include full body waxing using the most current techniques.
Ty Hardiman, Co-Owner
Troy Hardiman, Co-Owner
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Bus Charters for Sports Teams & Sporting Events
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Microsoft has spoken: Internet Explorer 10 will not run on Windows Vista – not in its developer form now, nor when the software ships later. Meaning they're officially the first browser developer to drop support for Vista. Ironic. [ComputerWorld]
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Microsoft: IE10 Will Not Be Supported On Windows Vista
Discuss7 Comments | Reply
imagremlin @imagremlinApril 14, 2011 11:32 am
How is that ironic? Removing support for older OS is a strategy to get people to upgrade
Nicholas Ong GuestApril 14, 2011 3:02 pm
It needs to be dropped at some point. IE9 only came out recently so IE10 will still be a long way away providing that M$ releases new browsers on an average of 4 years.
After 'Windows 8' gets release it will be Windows XP's 11th year and by then most browsers and software will be dropping support.
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If your home is in need of a makeover, you can rely on the professional experts at Possert Construction to make your vision for your home a reality.
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Based in Beavercreek, Ohio, Possert Construction is a residential and commercial construction contractor serving Dayton, Cincinnati and Columbus since 1955 and specializing in roofing, repair, and remodeling.
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Justin Timberlake and Jessica Biel got married yesterday October 19 where the wedding was held at an exclusive resort in the south of Italy.
The newly married couple has been together for years before tying the knot. I hope their marriage will last long, too.
Everybody's been speculating what Jessica Biel wore in her wedding. What's her wedding dress like? Who made her wedding dress? No official photos from the couple's wedding have been released to the public yet.
Since last year, Jessica Biel has been wearing white dresses in the red carpet. A teaser from the now Mrs. Timberlake?
Source: eonline.com via Audrey on Pinterest
Source: eonline.com via Audrey on Pinterest
One thing is for sure. The couple is definitely bringing sexy back together.


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Out of date Kombucha?
I have a bottle of Kombucha in the fridge that has a "drink by" date of 3 days ago. Is it still safe to drink, does anyone know?
Talk is closed, but that doesn't mean the conversations have to stop!
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Posts Tagged 'Ah Keat Seafood Penang Times Square'
Recently our family together with some friends went over to Butterworth to try out the food at Ah Keat Seafood Restaurant. We were recommended to this place by Sueh Ying. As to the location we only know it is located somewhere in Jalan Raja Uda near to the Nine Emperor Temple. With our trusted Garmin Navigator, we arrived at the temple. From there we slowly search for the restaurant and true enough, we found it located just a few meters opposite the temple.
This restaurant initially was doing zhu char and has since ventured into more imported live seafood items in the last few years. It has rows of huge glass tanks with wide selection of live seafood which can be ordered in a variety of preparation options, including steamed, stir-fried and deep-fried.
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