text:
Food versus Fuel in the Philippines
Abano, Imelda V., Contemporary Review
Editorial Note: In recent months almost every country in the world has suffered sharp rises in the prices of basic food. The UN says that world food prices have risen 45 per cent in nine months which puts the 15 per cent rise in bread prices in the UK in some context. Many commentators have attacked Western governments for encouraging the increasing use of crops to provide biofuels as a way of lessening the dependence on imported oil. In May the United Nations' special repporteur on the right to food, Olivier do Schutter, told a French newspaper: 'The ambitious goals for biofuel production set by the United States and the European Union are irresponsible. I am calling for a freeze on all investment in this sector'. This was somewhat less inflammatory language than his predecessor's who denounced the growth in biofuels as 'a crime against humanity'. The problem poses the greatest threat in the developing world. One crop, jatropha, has become particularly popular with governments in these countries: in Burma, the military rulers have ordered that farm land the size of Belgium should be planted with jatropha while in Kenya a new Bio-Diesel Association has just been set up to convert more land towards the production of jatropha. This article examines the situation in the Philippines, the world's twelfth most populous country with a rapidly increasing population of over 90 million people.
THE government of the Philippines wants farmers to plant crops for biofuels on a vast scale. But could the quest for green energy create food shortages?
Growing world energy demand, the insecurity of long-term supply and the consequences of fossil fuel use for climate change are driving governments to look for alternatives. To meet rising energy needs, many countries are promoting the production and use of biofuels--energy extracted as a gas, liquid or oil from plants.
Derived from food crops such as corn, sugarcane, soybean, oil palm and sugarbeet, biofuel production has been on the rise in recent years. It is seen by many as a clean form of energy in an era of soaring oil prices and concerns over carbon emissions.
Jatropha, a plant originating in Central America that grows wild in many developing countries, including South Africa, India, Thailand, Malaysia, Indonesia, China and the Philippines, has suddenly found itself at the centre of a new phase in the world's alternative energy boom.
In the Philippines, there is currently much hype surrounding its production as a source of renewable fuel. The Philippine President, Gloria Macapagal-Arroyo has signed into law the Biofuels Act which mandates a minimum one per cent biodiesel blend and 5 per cent bioethanol blend in all diesel and gasoline fuels. To meet demand, the government is aggressively pushing for the cultivation of jatropha, believing it to be one of the best candidates for future biofuel production.
The government, through the Philippine National Oil Co.-Alternative Fuels Corp, is now looking at some 1.2 million hectares for jatropha production in the southern island of Mindanao. It is also busy identifying more than 400,000 hectares of land for private sector investments.
Jatropha curcas is a drought-tolerant non-edible shrub. It produces fruits the size of golf balls which contain oil that can be converted into biodiesel, a substitute for fossil fuel.
According to Rhandy Tubal, a research specialist at the Department of Environment and Natural Resources in Cordillera, farmers who have received training to grow jatropha are enthusiastic about the crop. He says the cultivation of the plant could provide the first step out of poverty for Filipino farmers and claims that, depending on the density of the plants, each hectare can yield jatropha oil worth nearly US $2,000 a year.
'We are in the initial stage of planting jatropha and we are very optimistic that it is indeed one of the best candidates for biofuel. …


text: Share It MainStoriesVirginia Athlete Honored as Kroger's Regional Employee of the Year Virginia Athlete Honored as Kroger's Regional Employee of the Year Holly Claytor | Mar 18, 2013 | North America: Virginia Congratulations to Special Olympics VA athlete Paul Marretti, who was just named Kroger's Regional Employee of the Year! Marretti, 37, has given voice to individuals with intellectual disabilities in his hometown of Chesterfield, throughout Virginia, the United States, and globally. On the sports front, Marretti currently plays basketball, softball and soccer. He also has held numerous leadership roles, including serving on the Special Olympics VA Board of Directors, and on the Special Olympics VA Program & Planning Committee. In 2008, Marretti was named to the United States Leadership Council for Special Olympics Inc, where he continues to serve. Marreti truly is a leader amongst his peers—including those at Special Olympics, at Kroger where he works, at Knights of Columbus, and at People First, where he volunteers. By showing how capable he is, others' attitudes about disabilities are changed for the better, and he fosters an environment of mutual acceptance & respect for all. About Me:Special Olympics VA's Director of Public Relations and a proud friend of Paul Marretti's. Read More Stories First Family Health Forum in Greece Makes a DifferenceMartha Jo BraycichA Smile Can Mean So MuchBy Suzin TrioloFit & Flattering - Special Olympics North Carolina Athletes is Living HealthierMegan O'DonnellMoving to the Front of the Class for Healthy Athletes ChallengeBy Megan O'DonnellA Mother's StoryBy Astrid MoritzI am Sebastian Palmeri's mother and I feel like the mother of a rock star. My son has become a real winner and this has only happened since we found out about Special Olympics.Jamaican Floorball Team Members Surprise Their Guest CoachBy Victor L. BrownThe head coach of a pro floorball team got a new point of view of the Jamaica Maroons floorball team.Special Olympics Virginia Athlete Marks a Milestone for Congressional FellowshipChristy WeirBreaking Records, Breaking Barriers in IndiaKate McKennaSpecial Olympics Nepal Marks Earthquake AnniversaryKate McKennaYoung Athletes training brings smiles and happiness to participants in TurkeyAtil BerkRespect, Honor and Cheers on a Unified Day in IsraelJudy Ziv Do You Have A Story to Share?Share Your Story More Stories

subset: commoncrawl


text:
Underwater Tornado in Aruba
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18 comments posted so far. Expand all comments Login to add a comment.
1. trancetunes (moderator) 6 years ago
Nature never seizes to amaze me.
4. LightAng3l 6 years ago
If these things get any bigger we'll have to protect our underwater cities ohh.....wait.....
5. Reaperdaddy 6 years ago
fake, its filmed inside a flush mechanism, the diver is a plastic toy
7. kaleemyork 6 years ago
i think it's a some round wave of water that's why this picture is creating
9. USAnumber1 6 years ago
#1 You mean "ceases" to amaze? In nature it is the lion that would "seize" you.
its a maelstrom
#8. If you stuck your hand in you could be sucked into a time warp rift You might end up on the other side of the universe (inside-out) very scary!
12. prankphonecall 6 years ago
#10 it's an eddie as #3 has aleady pointed out (to himself!?). A Maelstrom is a large swirling body of water, although this is swirling, it is neither large or a body of water.
Looks like a lot of you have never seen the plug pulled on the bathtub. If the ocean level is going down where you are, and it's not the tide... look for scuba divers who are pulling the plug on the ocean floor.
Sick bastards start in the cleanest warmest waters first. No way we're going to see arctic water swirly thingys soon.
its a black hole under, that is why... and you know why we cant see black holes


text:
Personal effects and households items are the unaccompanied items transported into Australia, by a returning resident or a new resident of Australia, via sea or air freight.
To import items under the tariff code for personal effects, you must be arriving from a place outside Australia, and the items must be your personal property that you owned while overseas.
Australia's unique environment and important agricultural industries are free from many pests and diseases found in other parts of the world. However, the movement of personal effects can create a pathway for the introduction of exotic pests or diseases (biosecurity risks).
For example, outdoor furniture could conceal timber pests, or be contaminated with soil that contains pathogens or exotic weed seeds, not currently found in Australia. Animal products such as meat, eggs, milk or cheese could contain diseases that can be transmitted to humans and other animals. Ornaments decorated with animal or plant products, or seeds could introduce a disease pathogen. Similarly, food residues and used fruit or egg cartons can harbour unseen pests and/or pathogens.
All consignments of personal effects entering Australia are subject to some form of biosecurity intervention before they can be released. Because of the risks associated with personal effects, you must advise the department of specific items in your consignment. If deemed necessary, the department will undertake an inspection of your goods. If required the department may ask that some items are treated before they can be released. If treatment is not possible the department may seize and destroy prohibited items, or ask that they be exported out of Australia.
The first rule to remember is that the department will be interested in any item that originated from an animal or a plant (including timber), or contains part of an animal or a plant.
The second rule to remember is that the department will also be interested in any item that has been in contact with animals, plants, water, food or soil.
Please view the list of common items of biosecurity concern. This list is designed to assist you when you are packing your goods up room by room.
The department will not permit the importation of the following items as personal effects:
If you are in doubt of an item and want to determine if the item is prohibited by the department, check the Biosecurity Import Conditions (BICON) system.
By searching BICON you can find if an item is permitted entry into Australia, whether it requires an import permit or treatment, or if there are any additional requirements.
You can also type 'personal effects' into the BICON search function to obtain specific information relating to importing personal effects.
Other useful information can be found on the Arriving in Australia - Declare it! and What can't be mailed to Australia?
Print and follow instructions outlined in the packing tips document.
Preparation is an important key to packing up your household goods to ensure a successful move. When packing, take the time to prepare household goods for the department inspection upon arrival.
Before packing, the department requires that any items that have been in contact with food, soil, plants, animals, or their products, are thoroughly cleaned and free from any contamination.
This includes, but is not limited to:
Other tips:
To ensure the safety of everyone involved in the movement of your goods, please:
It is important to also label your boxes correctly to identify those cartons containing medical items, dangerous goods, or any items that may compromise the safety of people handling your goods.
When packing your personal effects, prepare a list that includes all the items in your consignment. This should include clear labeling, for example 'Box 1 of 12', and a list of items contained in each box. This list will be required by the authorities in Australia.
Take time to consider the items the departmental biosecurity officer may be interested in. Pack these items together and put them in boxes separate to those that you consider clearly not to be of biosecurity concern. For example, ensure items such as footwear, food items or garden tools are packed together.
If you are bringing food items, show on the packing list where the food items have been packed or what containers the food items have been packed in.
Some second hand boxes that were intended for other uses may pose a biosecurity risk.
Do not use any packing boxes that have already been in contact with an organic substance such as cartons or inserts used previously with fruit, meat, eggs, flowers or pot plants, or fertiliser bags.
Do not use straw, sawdust, wood shavings or any other plant material as packing or filler.
If second hand boxes are being used, the chances are that they have old numbering or labelling on them. To avoid confusion which may lead to misunderstandings or delays, ensure that any previous labelling on your packing boxes is covered or removed completely. Make sure you use a permanent marker/felt pen to write on boxes in preference to labels that can fall off in transit.
It is important that the numbers on packing boxes match with the numbers on the packing list. Only write one number for each box or large item. Also, number similar items consecutively, for example 3 children's bikes could be numbered as 56, 57 and 58 etc.
You can clear your goods yourself, or you can use an agent or representative to clear your goods.
Here are some terms you may encounter:
Department of Agriculture and Water Resources fees associated with the clearance of personal effects.
If your goods are determined to require inspection, fees that you will be required to pay up front include the creation of a manual consignment entry, documentation screening charges and an inspection fees.
Your final inspection fee will be dependent on the time it takes for a departmental officer to inspect your goods.
Additional charges will apply if your goods require treatment prior to release.
Check with your removalist company or freight forwarder that your goods have been delivered to a department approved premises. Depending on who you use, or if you clear the goods yourself, additional charges may apply. These may include a facilitation fee that includes port charges, transport, administration and container unpacking costs. The premises holding your goods may also charge storage fees. These fees may be termed 'quarantine fees' on your invoice.
Note: Special requirements apply to clearing personal effects that belong to either military or diplomatic personnel.
Ensure you discuss the fees and charges that apply to your consignment with your agent.
Inspection charges are based on the amount of time it takes to inspect your consignment. You can keep costs to a minimum by:
For information about a specific consignment of personal effects, contact your local Department of Agriculture and Water Resources regional office.
For general enquiries about importing personal effects with the DIBP, contact details can be found on their website.


text:
The One Year Life Verse Devotional
- All Products
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Product Description
Product Information
|Format: Paperback
Number of Pages: 380
Vendor: Tyndale House
Publication Date: 2007
Dimensions: 9.00 X 6.00 (inches)
Availability: In Stock
Series: One Year
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Publisher's Description
Product Reviews
Linda5 Stars Out Of 5November 27, 2009LindaThis is an AWESOME book!! Thanks, Jay,for compiling the thoughts of so many who share favorite life verses like my own. God bless you and your family.
Linda5 Stars Out Of 5July 31, 2008LindaI received this devotional as a gift this past Christmas, so decided to wait and begin using it as my daily devotional for 2008. It has been such a HUGE blessing in my life, as so many of the verses, which are special to others, are also verses that are among my own favorites. It's exciting to read just 'how' a particular verse has impacted another person's life, or 'why' it is special to them.Thanks, Jay, for a book that will always hold a very special place in my heart!!
Ask Christianbook
Ask Christianbook
Author/Artist Review
Located in: St. Charles, IL
Submitted: October 29, 2007
Tell us a little about yourself. Jay K. Payleitner is a husband, dad, writer, radio producer, speaker and fathering advocate.
What do you hope folks will gain from this project? Really, I simply want people to open their heart and mind to this concept: the Word works. Do you have life verse? I challenge you to share it often. It's a great question to ask. And talking about your own "life verse" is a great opening to tell your own story.
How were you personally impacted by working on this project? Researching and writing this devotional, it became more and more clear that God is speaking to real people today through His Scriptures.
Who are your influences, sources of inspiration or favorite authors / artists? Some of the best stories in the book are regular folks sharing their life verse. I also included some historic heroes of the faith -- like D.L. Moody, Bach, Blaise Pascal, Lincoln, John Bunyan and Rosa Parks. Plus, biblical characters from Cain to Nicodemus. The 365-page devotional also includes the first person stories of quite a few ministry leaders, authors, musicians, and pastors you may have heard of: Chuck Colson, Joni Eareckson Tada, Dr. James and Shirley Dobson, Kevin Leman, Stuart and Jill Briscoe, Lisa Whelchel, Josh McDowell, Kurt Warner, Elisabeth Elliot, J.I. Packer, Pat Williams, Bono, Steve Brown, Jack Hayford, Angela Hunt, Jerry Jenkins, James MacDonald, Randy Alcorn, Skip Heitzig, Chip Ingram, Sammy Tippit, Patrick Morley, Francine Rivers and Lee Strobel. The stories behind their life verses are quite compelling.
Anything else you'd like readers / listeners to know: My own life verse (October 18) is in there too! Go to oneyearlifeverse.com and you can even share your own. Which, by the way, I might include if we do a sequel to this devotional! The Word works! Jay
Find Related Products
- Books >> Devotionals >> 365 Day
- Books >> Devotionals >> Daily
- Start A New Search


text:
Full Paper
Solar-Light-Driven Photodegradation and Antibacterial Activity of Hierarchical TiO2/ZnO/CuO Material
Version of Record online: 22 AUG 2012
DOI: 10.1002/cplu.201200131
Copyright © 2012 WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim
Volume 77, Issue 10, pages 941–948, October 2012
Additional Information
How to Cite
Bai, H., Liu, Z. and Sun, D. D. (2012), Solar-Light-Driven Photodegradation and Antibacterial Activity of Hierarchical TiO2/ZnO/CuO Material. ChemPlusChem, 77: 941–948. doi: 10.1002/cplu.201200131
Publication History
- Issue online: 10 OCT 2012
- Version of Record online: 22 AUG 2012
- Manuscript Revised: 24 JUL 2012
- Manuscript Received: 24 MAY 2012
- Abstract
- Article
- References
- Cited By
- antibacterial agents;
- hierarchical materials;
- photodegradation;
- ternary materials;
- titanium dioxide
Inspired by the highly efficient hierarchical structure of plants that use natural light, the hierarchical "forest-like" TiO2 nanofiber/ZnO nanorod/CuO nanoparticle ternary material 2 is synthesized by a stepwise process: electrospinning of TiO2 nanofibers, hydrothermal growth of ZnO nanorods, and photodeposition of CuO nanoparticles. Material 2 has a higher photodegradation rate of acid orange (AO 7) and stronger antibacterial capability under irradiation with solar light in comparison to that of the hierarchical "tree-like" TiO2 nanofiber/ZnO nanorod material 1 and one dimensional as-spun TiO2 nanofibers. These enhancements result from the unique hierarchical forest- and tree-like features of materials 1 and 2, which enhance the light absorption capability, increase the specific surface area for mass transfer and bacteria attachment, create more reaction sites, and retard the recombination of photogenerated electrons and holes. A proportional relationship was found between the photocatalytic activity and the hierarchy of the materials. The sizes of the hierarchical nanostructured materials are in the micron range, which provides the opportunity for using these materials in engineering applications.


text:
Gov. Beverly Perdue's budget plan would cut nearly $1 billion for the coming year by eliminating programs and cutting Medicaid abuse.
Perdue on Tuesday unveiled her recommended changes for the second year of the two-year budget approved by the General Assembly last summer.
Most state agencies would have spending cut an additional 5 to 7 percent starting in July, except for education. Public schools would get money to buy hand-held devices to help teachers in lower grades assess student performance.
Teachers also would receive their longevity-based salary increases after they were suspended last year because of the bad economy. State employees and teachers would get a one-time bonus to make up for furloughs last year.
(Copyright 2010 by The Associated Press. All Rights Reserved.)


text: I have got some continuous Userenv errors showing up in the Applications log. It seems to be effecting my Group Policy Processing. But, an unexpected result is that my remote users are not able to access their email accounts via Outlook on their remote computers. Web Access and within the Intranet is working properly. I have tried some solutions on the web to force group policy, etc, but the errors still come back. Is there anyone who can help? Thanks.


text:
Rakharo - Commission by KayFedewaWatch
©2014-2016 KayFedewa
he looks super creepy,awsome.
holy f. How did I miss this???
heart: so many hearts
heart: so many hearts
Wow, that's so badass!
Awesome design on this guy :0 his skull face is super cool!
Wow! This is fabulous! What a cool character design on their part. Love love love the pose and the tail! Super dynamic
Holy crap on a stick that's beautiful.
Oh man I really like this
wow! why cant i just draw like you!???
love it so much
love it so much
Ah! Kay this looks completely amazing! I love what you did, the pose, the everything is so wonderful, I am so thankful for you doing this character for me! (Name's Rakharo btw ) Thank you so much for doing such an amazing job!!!
amazing! I love the pose <3
Fantastic pose and expression.
Your work is always sooo clean! <3 Amazing job!
so pefect :3
Love the pose Kay, and the snarly face is fantastic. I love hellhounds.
Looks pretty scary! (And pretty, too. )
I hope this hellhound is one of the good guys.
I hope this hellhound is one of the good guys.
your work is amazing!


text:
If you:
…are tired of dubstep
…want fresh and inspiring sounds
…produce electronic music
…don't stuck to one genre
Gripping Massive SoundSet contains 88 preset for NI Massive (1.3 ), covers the range of 8bit, retro, 80s, 90s and modern electronic genres.
8bit fan? We have chippy arpeggios.
80s leads? We have them.
90s pads? Check.
Ambient soundscapes? Double check.
Growlin' basses? Here ya' go.
Dance music? No problemo.
Macro controls for each presets
Low CPU usage
Easy to use, instant sounds
Easy to tweak and bend
Details, details, details
Use in any electronic music


text:
Great Chefs of the West Gala
The 33rd Annual Great Chefs of the West gala has become a favorite Denver tradition, an after-work event that allows over 400 guests to sample the cuisine of Colorado's most notable chefs, while supporting a worthy cause. Guests will enjoy this evening in a unique way: with reserved seating, a selective and excellent silent & live auction, and samplings from the best Colorado area restaurants.
Presented By:
This year's Chef Chair is Josh Rathbun, Sous Chef of Mercantile Dining and Provision.
Restaurants include:
Bar Dough
City O' City
Eddie Merlot's
Glazed and Confuzed Donuts
Il Posto
Kachina Southwestern Grill
Mercantile dining & provision
The Oceanaire Seafood Room
Old Major
Osaka Ramen
The Rib House
Root Down
Sarto's Social Italian Eatery
Second Home Kitchen + Bar
Watercourse Bakery
For more information to purchase Early Bird Individual Tickets click here
For Sponsorship and to purchase a table contact Annie Olson at 720-748-9991 ext. 451 or email@example.com
Kidney Walk
The Kidney Walk is the nation's largest walk to fight kidney disease. Held in nearly 100 communities, the event raises awareness and funds lifesaving programs that educate and support patients, their families and those at risk. Take a lifesaving step today and sign up for a walk below.
Denver Kidney Walk - University of Colorado Anschutz Medical Campus, Aurora, CO
KEEP Healthy - Free Kidney Health Check
The National Kidney Foundation's community-based initiative to educate about the kidneys, risk factors for kidney disease, and steps to take to keep kidneys healthy and reduce risk.
Check-up includes: risk survey, body mass index (BMI), blood pressure check, free educational materials, and opportunity to speak with a health care professional. Click here for more information.
Kidney Cars
Donate your old car, van, truck, or boat to help improve the lives of the millions of Americans affected by kidney disease. Donate now.
Volunteer With Us
Become a Volunteer Today!
If you would like to volunteer, please contact our office at (720) 748-9991.


text:
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- 2 years ago You'll lose it when your contract expires, unless you want to pay much more for it then you did before on your old contract...
- 3 years ago My early Xmas present. Thanks iMore!
- 3 years ago Hey Tim. Reward your customers by releasing iOS 6.1 without Apple Maps and putting back Google Maps!!!
- 3 years ago My iPhone 3G is not cutting it anymore and I cannot afford to buy the iPhone 5. Getting it free would be awesome!
- 3 years ago Amazon Blackberry. You heard it here first.
- 3 years ago Should audition for a Hollywood movie. Clearly staged. iMore remove this fake skit. Never happened.
- 3 years ago Any enhancements to Parental Controls?
- 4 years ago An Apple employee in a Business suit. That is a first.
- 4 years ago Sources say it is a touch screen television....
- 4 years ago FYI.This does not seem to work with video recorded on the iDevice. Anyone else seeing this?
- 4 years ago How do so many Americans not know who their President is? ; ) LOL
- 4 years ago Wait for iOS5 to come out and use iCloud Calendar sharing. Don't waste money on other apps!
- 4 years ago At a good old Canadiens Hockey game of course to cheer them on! Go HABS!
- 4 years ago "We don't normally pay much attention to analyst predictions." Really? TiPB is full of Analyst rumor postings. ; )
- 4 years ago Nicky Nicky Nine Door in Canada. I am assuming is just recorded video.....
- Member for
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text:
Investment in clean energy infrastructure needs to be scaled up to support the broader development, economic and climate agenda. This will require leveraging private investment, however investment in this area remains constrained by barriers, including market and government failures. This page describes what tools the OECD provides to governments to create an enabling environment for investment flows to clean energy infrastructure.
English, PDF, 683kb
This OECD report was presented at the G20 meetings in Washington on 13-15 April 2016. The report provides an update on recent developments concerning the OECD Code of Liberalisation of Capital Movements, in particular the launch of the review of the Code.
Since the start of the economic reform process in the 70s China has been able to generate a large volume of investment, both from domestic and foreign sources. This high volume of investment was instrumental in sustaining strong economic growth and related improvements in living standards. However, this growth model is not longer sustainable. Returns on investment have fallen, excessive capacity is plaguing several sectors and the negative externalities have been very onerous, notably in terms of environmental degradation and rising income inequality. A key objective of the Chinese government is therefore to move the economy towards a more balanced, sustainable and inclusive growth path as envisaged by the 13th Five-Year Plan. In this adjustment process, the country is seeking new approaches for smarter, greener and more productive investment. This will require mutually reinforcing reforms to improve investment planning, rebalance the role of government and market forces, mainstream responsible business conduct and encourage greater private investment, especially in green infrastructure. China's growing role as an outward investor may act as catalyser for the required reforms at home, as Chinese private and state-owned enterprises have to adopt internationally recognised practices and standards .
The OECD is a forum where treaty negotiators and experts from OECD and non-OECD countries work together to enhance common understanding of core treaty provisions and emerging legal issues and to improve outcomes of international investment agreements for governments and investors. This page provides a comprehensive overview of OECD work in this domain.
The Guidance provides recommendations for responsible mineral supply chains to help companies to respect human rights and avoid contributing to conflict through their mineral or metal purchasing decisions and practices.
Paris, 14 March 2016: Organised by the OECD-hosted Freedom of Investment Round-table, this conference will explore how governments are balancing investor protection and how to improve balance through new institutions.
These country reports present an overview of investment trends and policies in the countries reviewed. This can include investment policy, investment promotion and facilitation, infrastructure, competition policy, trade policy, tax policy, corporate governance, responsible business conduct, public governance, and human resources.
11 March, Paris, France: This high-level launch event included a panel discussion that addressed the potential impacts of companies operating in agricultural supply chains on human, labour and tenure rights.
English, PDF, 6,480kb
This OECD report lays an empirical foundation for structuring economic policies to facilitate Chile's participation in global value chains and to maximise the associated benefits for national firms and workers.
Why do financial markets see so little risk, while companies that invest in the real economy appear to be much more prudent? How will we fund future pensions when interest on the products that finance them are so low? Where will the trillions of dollars needed to improve and extend infrastructures come from? How should international capital flows be regulated? These and other challenges are discussed in this collection of expert opinions on the social, economic and policy perspectives facing international investors, governments, businesses, and citizens worldwide.


text:
The Mission of the Western Michigan University Thomas M. Cooley Law School is to prepare its graduates for entry into the legal profession through an integrated program with practical legal scholarship as its guiding principle and focus. This mission includes providing broad access to those who seek the opportunity to study law, while requiring that those to whom that opportunity is offered meet WMU-Cooley's rigorous academic standards.
Lansing, Michigan is where the WMU-Cooley story started in 1972. Founded by Judge Thomas E. Brennan, then Chief Justice of the Michigan Supreme Court, Cooley began operations in a single story, rented building located on Grand Avenue in downtown Lansing. [ more ]
WMU-Cooley Law School From Its Beginning
Welcome. Western Michigan University Thomas M. Cooley Law School was established in 1972 to provide an opportunity to those who share the dream of becoming a lawyer. We excel in teaching not only the law but how to practice it competently and ethically so students can succeed in today's – and tomorrow's – world.
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In the 1800s people depended on native plants to provide a wide variety of food, medicine, tools and other necessities. Many of these plants are still found on Crowley's Ridge Today. Join a park interpreter for a leisurely walk to discover some of the many uses of our native plants. The walk is ½-mile long.
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Eric Petersen
A National Disaster?... I Think Not.
by Eric Petersen
posted Feb 8 2013 10:05AM
When I was a kid a snow storm meant sledding, skiing, snow mobiling and best of all… no school! These days with all the hype around everything from size of a soda serving, to weather the Washington Redskins should change their name, a snow fall of over 2 inches is a national disaster! Gimme a break!
As a kid I lived on a rural street, it was not far from town, but also not a main artery to get to the downtown either. Since it was categorized as a "state route", snow plows came by, but very in-frequently because it wasn't a high priority road when compared to major interstates. What this of course meant was that if we got a substantial snow fall we were going nowhere for a serious period of time… but, it really wasn't that serious.
You see, in the seventies there was no priority on getting to the mall, or buying sushi, or doing much of anything that's trivial immediately , because honestly that stuff didn't matter; and still doesn't.
What do we as a collective people care about that can't be accomplished after the snow melts? Does your job, or friends, or family really need you (except for emergencies) to be on call every day?
I think that Billy Joel's lyrics for Vienna speak volumes when he says: "slow down you crazy child, take the phone off the hook and disappear for a while, it's alright you can afford to lose a day of two…"
Father Time has provided me with an awesome perspective of how much time, and effort, we waste being "busy" and not doing much of anything… My advice: enjoy the snow, every flake of it, and hopefully the peace it softly layers down upon you.
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Welcome to the online home of Gary Myers Law. Please take some time and browse through the sections of my site to learn more about what I do and how I might be able to help you or your organization. I have included some links to the right that I find to be almost constantly useful. Finally, if you have any questions or would like more information, be sure to contact me via email or give me a call. Thanks for stopping by! – Gary Myers
Disclaimer: This website is for informational purposes only and is to give information for my practice located in St. Joseph, Missouri only. The matters shown on this website are general in nature and not to be relied upon in any way as legal advice or counsel. Use of the web-site does not establish an attorney-client relationship and if you want me to represent you, you must first contact me directly by telephone to discuss. We must sign an engagement letter before representation ever begins. Further, I want to remind you that communication through this website is not confidential. For a confidential discussion, please call me.
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5/25/2016 | Supported during slump, LoMo rewards Rays' faith
When the Rays started their eight-game, three-city road trip on May 16, Logan Morrison was hitting .119. He didn't have any home runs. He didn't have a single RBI in 85 at-bats. Since then, Morrison has figured it out. He's gone 15 for his last 27 at the plate, and connected on three home runs. The latest came in Tampa Bay's 4-3 loss to Miami at Tropicana Field on Wednesday evening.
5/25/2016 | Short-handed outfield sparks Marlins past Rays
Cole Gillespie's RBI single in the eighth drove home the go-ahead run to lead the Marlins to a 4-3 win over the Rays on Wednesday night at Tropicana Field.
5/25/2016 | Back in Tampa area, Jose meets Smyly, Rays
Drew Smyly will look to build on his strong start on the road, while Jose Fernandez will attempt to get his first win near his old hometown when the Rays and Marlins conclude their home-and-home set on Thursday at Tropicana Field.
5/25/2016 | Garton gets surprise callup; Beckham down
Tampa Bay called up Ryan Garton from Triple-A Durham and sent down shortstop Tim Beckham prior to the club's game against the Marlins on Wednesday. To make room for Garton, Jake Goebbert was taken off the 40-man roster.
5/24/2016 | Pipeline preview: Musgrove takes hill for Triple-A Fresno
Astros prospect Joe Musgrove takes the mound for Triple-A Fresno and is making his third start for the Grizzlies since he was promoted from Double-A Corpus Christi.
5/24/2016 | Sturdevant records K in Major League debut
Rays reliever Tyler Sturdevant waited a long time for his opportunity, longer than most, but he finally made his Major League debut on Tuesday after parts of seven seasons in the Minors.
5/24/2016 | Odorizzi on batting: 'This is what we dream of'
Holding the opposition in check has proven to be the easy part for Jake Odorizzi more times than not. Picking up a win from it is another story.
5/24/2016 | Rays raking homers, setting records
Though they are certainly capable, it's still been something of a surprise to look up 42 games into the season and see that the Rays are leading the Major Leagues in home runs with 65.
5/24/2016 | Andriese, Nicolino to square off in St. Petersburg
After two games in Miami, the Citrus Series shifts to Tropicana Field for the first of two games beginning Wednesday.
5/24/2016 | Unlikely offense recharges Rays in win
Logan Morrison remained hot against his former club, as the left-handed-hitting first baseman had three hits, a walk and scored twice on Tuesday afternoon in Tampa Bay's 4-3 win over Miami at Marlins Park.
5/24/2016 | Moore's struggles continue in loss to Marlins
Matt Moore's struggles continued on Monday against the Marlins. The Rays' left-hander lasted five innings, allowing five runs and 10 hits, as the Rays fell to the Marlins, 7-6.
5/24/2016 | Motter impresses in front of family, friends
It was nearly the perfect homecoming for Taylor Motter. With family and friends at Marlins Park to watch the pride of Palm Beach Gardens, Fla., play in a Major League game, Motter was able to face the team he grew up watching.
5/23/2016 | Odorizzi, Koehler square off at Marlins Park
The Rays and Marlins close out a quick two-game Interleague series at Marlins Park on Tuesday at 12:10 p.m. ET before heading north to Tropicana Field for two more.
5/23/2016 | Kiermaier's left hand surgery set for today
Rays center fielder Kevin Kiermaier will have surgery Tuesday in St. Petersburg on his left hand and could miss 8-10 weeks.
5/23/2016 | Rays' Adames, Dodgers' Bellinger lead Prospect Team of the Week
MLBPipeline.com's Prospect Team of the Week honors the best performances from the previous seven days. Any player currently on an organization Top 30 Prospects list on our Prospect Watch is eligible, including big leaguers.
5/23/2016 | Legends set to welcome stars of the future at 2016 MLB Draft
Major League Baseball announced the annual list of club reps for the 2016 MLB Draft on Monday, and as usual it is a star-studded gathering from the past that will man the phones and help welcome the future on the first night of selections.
5/22/2016 | Stuff is there for Archer, but results aren't
Chris Archer's enigmatic season continued on Sunday when he took his fifth loss of the year as the Rays fell, 9-4, to the Tigers at Comerica Park.
5/22/2016 | Rays option reliever Geltz to Triple-A
The Rays have optioned reliever Steve Geltz to Triple-A Durham
5/22/2016 | Rays, Marlins face off for 100th time
On Monday night, the Rays and Marlins begin four days of Interleague games with the opener of a two-game set at Marlins Park.
5/22/2016 | Rays to mix and match while Kiermaier is out
Life must go on for the Rays without arguably the best defensive player in baseball, center fielder Kevin Kiermaier.
5/22/2016 | With Kiermaier injured, Rays recall Mahtook
Mikie Mahtook might not be Kevin Kiermaier on defense, but the athletic outfielder -- recalled from Triple-A Durham to replace the Rays' standout center fielder -- might be a better contributor on offense.
5/22/2016 | Candelario among top prospect performers Saturday
A look at the best performances from top prospects Saturday.
5/21/2016 | Archer, Zimmermann vie for rubber game in Detroit
Chris Archer will try to improve his record to 4-4 in Sunday's series finale at Comerica Park against the Tigers, who will send Jordan Zimmermann to the mound for the rubber game.
5/21/2016 | Tigers' HRs aid Fulmer's K's in win vs. Rays
James McCann beat his old college teammate, Drew Smyly, for a go-ahead two-run home run in the seventh inning, sending his current Tigers teammate, Michael Fulmer, to a victory in Detroit's 5-4 win over Tampa Bay on Saturday at Comerica Park.
5/21/2016 | Kiermaier breaks 2 bones in left hand on dive
Kevin Kiermaier broke for the ball, thought he had a chance, and dove. What happened next could severely impact the Rays' season. Kiermaier suffered two metacarpal fractures in his left hand, while the Rays took a 5-4 loss to the Tigers on Saturday afternoon at Comerica Park. The club will recall outfielder Mikie Mahtook from Triple-A Durham on Sunday to replace Kiermaier on the roster.
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Home > Travel > Europe
Friday, 7 March 2014 | MYT 6:00 AM
'Up There' suite for the Ice Hotel by Ateliers de Germain. - Photo from Ateliers de Germain/AFP
Frozen Paris is the theme of new ice hotel suite in Sweden.
THE romance of Paris and the wilderness of the Arctic Circle might seem worlds away from one another, but they have been brought together thanks to a new suite at the Icehotel in Sweden.
Created by French design duo Les Ateliers de Germaine (www.lesateliersdegermaine.fr/les_ateliers_de_Germaine/actualites.html), "Up There" features the skyline of Montmartre carved into its icy walls.
The suite features jagged rooftops and the basilica of the Sacré-Coeur, along with chimney pot ice sculptures, backlit windows and a bed frame made of blocks of ice.
Partners Luc Voisin and Mathieu Brison wanted to represent the "magical city, legendary city, romantic city, poetic city, symbolic city" that is Paris, and celebrate its position as a source of inspiration for artists and a destination for billions of tourists from all over the world.
"More than a design, more than an architecture, it's a trip to the heart of one of the historical districts that we offer," claim the pair. "You can feel the people living all around you, you might even see them if you're curiously peeking out the window. You are part of the city, you are the city."
It is one of ten suites specially designed "art suites" for the 24th edition of the Ice Hotel, Jukkasjarvi, the world's largest hotel built from snow and ice which is rebuilt every year.
Other art suites include "Mind the Gap" by Marcus Dillistone and Magdalena Akerström, which features an ice sculpture of an underground train, and "Pole Dancing" by Christine and Natalie Close, which counts a huge polar bear sculpture amongst its interior decor.
For more information about the Icehotel, see www.icehotel.com. – AFP Relaxnews
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WP Kitchen + Bar is Wolfgang Puck's newest restaurant concept serving globally-influenced fare in a family-style format. Inspired by how the acclaimed chef dines and entertains at home, the menu boasts a seasonal offering of small plates, fresh salads, pizzas and handmade pastas as well as a variety of seafood, steak and other proteins. Located in Friendly Center, the restaurant is open for lunch and dinner beginning at 11AM daily.
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Big Bad Boo Studios offers full animation services to clients around the world who are looking for a complete multi-platform strategy. By providing animation, wMore
$25 mil. - $50 mil.in Revenue
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200-1224 Hamilton StreetVancouverBritish ColumbiaV6B 2S8Canadaview map
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Over half a million consumers just caught a break with help from the Consumer Financial Protection Bureau. It appears the CFPB has taken tough action against a major bank for basically screwing over consumers who were being forced to pay debt they rightfully should not have had to. The CFPB Says… Today the Consumer Financial Protection Bureau and Attorneys General ... Read More »
California AG Sues Over Chase Credit Card Collection Activity
Attorney General Kamala D. Harris yesterday filed an enforcement action against JPMorgan Chase & Co. (Chase) alleging that the bank engaged in fraudulent and unlawful debt-collection practices against tens of thousands of Californians. The suit alleges that Chase engaged in widespread, illegal robo-signing, among other unlawful practices, to commit debt-collection abuses against approximately 100,000 California credit card borrowers over at ... Read More »
Most Lawsuits for Credit Card Debt Are Flawed and Defective. Fight Back And You Could Win.
Thanks to Jessica Silver-Greenberg from the New York Times we get a great look inside the credit card lawsuits that are rolling out today, and they reek. Judges interviewed for the piece say that if consumers actually appeared in court, they might actually win many of these suits because the debt buyers suing can't actually prove the debt is valid. ... Read More »
Robo-Signing Fraud Hits Credit Card Companies. Makes Lawsuits Problematic.
Photo Credit: Sebastianlund In the last year there has been quite a lot of news about the mortgage industry using a technique called robo-signing. This is where a person is supposed to review documents to proceed against a homeowner and foreclose on their home but in fact never examines the information to see if it is accurate. Rather than check ... Read More »
A Paper Worth Reading: Robo-Signing and Lack of Proof in Debt Buyer Cases
Here is a great research paper worth reading. It certainly helps to focus the robo-signing issues we've all heard about with mortgages to a problem that debt relief providers will need to deal with. For a while we've talked about the issue of a debt relief provider that either sets up a payment plan or assists a consumer to settle ... Read More »
The Power of Debt Validation in Stopping the Robo-Signing Debt Collector
The following guest post was contributed by Michael Bovee of Consumer Recovery Network. If you would like to contribute a guest post, click here. In the wake of robo-signing scandals involving home foreclosures across the country come the reports of similar behavior by debt buyers who file court actions in order to collect on delinquent unsecured debts such as unpaid ... Read More »
Midland Funding Charged With Robo-Signing Affidavits to Collect on Debts
Minnesota Attorney General Lori Swanson today in a legal filing accused one of the nation's largest "debt buyers" of defrauding Minnesota courts and citizens by filing false and deceptive "robo-signed" affidavits—generated at its offices in St. Cloud, Minnesota—to collect on old consumer debts that it purchased from credit card companies and others for about three cents on the dollar. The ... Read More »


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I have a 24x30 masonry block garage (on a slab) sitting on an adjoining lot to my house. I'm investigating the addition of a one or two bedroom guest house/mother-in-law apartment onto it. Other than the obvious building permit and neighbor approval (if necessary), do you have any other recommendations for me? I'm trying to do this on the cheap - basically for supplies cost and doing all of my own labor. My ideal would be to find an existing plan for a 24x30 that I can use instead of designing a custom plan, but most of the plan websites I've found don't have small homes (720 sq ft plans). I live in the county (TN) and there are a variety of home styles around me so I think the approval process should be pretty easy. My biggest roadblock is my budget, I would like to frame out the exterior at first and then complete the remainder over the course of a year or two (typical redneck project). Any advice would be appreciated.
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It's not clear to me whether this is already a 2-story building, or if you intend to add a floor to an existing 1-story building.
Sorry. It's currently a one story with pre-fab trusses sitting on the block (or sill plate) around the perimeter. The inside of the roof is exposed to the garage below (no supporting joists/girders/piers), so when I remove the roof and trusses I'll have a 'hole' to fill up with joists & subfloor before I can begin the second floor. I want to add one (large) or two (small) bedrooms, a full bath, laundry facilities, and an open living room/kitchen. One 30' face has a great view so I'll probably put the living room on that side, taking advantage of a sliding glass door or large windows for a view. The other sides I'm not as concerned with, I'll put in whatever windows are required for code in the rooms but I don't plan on anything spectacular.
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We are Generation Rx.
As a society, we have become more and more "pharmaceuticalized". We expect a quick fix for almost any medical problem. We refer to ample amounts of medical information (or mis-information) online, sometimes without the guidance of a health professional. We are taking prescription and over-the-counter medications at unprecedented rates, and there are benefits to this phenomenon, including in many cases, improved disease treatment. Sadly, a darker consequence has also emerged: the epidemic rise of injuries and fatalities due to prescription drug abuse.
This course uses science to investigate the prevalence, dangers, and misperceptions regarding this growing health problem. Using a myth-busting design, we will investigate the biology behind both therapeutic and illicit drug action and tie that biology to the real dangers of abusing prescription drugs. Additionally, we will explore societal influences on drug-taking behaviors and identify best medication-taking practices for our benefit as well as others'.
All lectures and instructional materials developed for this course by the Ohio State University are licensed under the Creative Commons AttributionNonCommercial-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/4.0/
Module One: What is Generation Rx?
Module Two: Myth - Everyone else is doing it, so why shouldn't I?
Module Three: Myth - Prescription drugs must be safer than street drugs.
Module Four: Myth - It is only a problem if I'm trying to get high.
Module Five: Myth - Prescription drugs cannot be addictive.
Module Six: Where to go from here...
None. However, we will investigate the basic science of drug action, and therefore a high school level-understanding of biology is recommended.
To be assigned during the class
The class will consist of short lecture videos (5-10 minutes), each typically investigating the statistics and basic science underlying the prescription drug abuse epidemic. Supplementary readings will also be assigned and may be used in online peer discussions.
Will I get a Statement of Accomplishment after completing this class?
Yes. Students who successfully complete the class will receive a Statement of Accomplishment signed by the instructor.Other than an Internet connection, what resources will I need for this class?
Drugs are amazing chemicals with the potential to produce great benefit when used properly and great harm when misused.


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Mustache Brigade Keystone Smooth T-Shirt
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- Distressed "Keystone Light" graphic heathered t-shirt
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More charges against Canandaigua cop
Posted July 3rd, 2014 @ 6:11pm by Bud Lowell
The Ontario County Sheriff's Office has also filed more charges against a Canandaigua police officer and his wife who were caught growing marijuana in their home.
Wayne Fenton and Rebecca Laware were charged with unlawfully growing marijuana and criminal possession.
The couple got into a domestic dispute and deputies found the marijuana when they came to the house to sort things out.


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Young Arab Leaders Chairman Shaikh Mohammed bin Essa Al Khalifa opens Arab Leadership Forum
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He said: "We are proud to be hosting the prestigious Arab Leadership Forum once again this year, one of the most well-respected leadership forums for youth professionals in the region. I congratulate everyone here for seizing the opportunity to participate in the forum's activities, and for having the passion and the commitment to want to advance in their careers and become future leaders in the Arab world. It is events like this that encourage our youth to adopt a leadership mindset and help lead and drive their careers forwards, and by doing so, drive the Arab world towards success."
Shaikh Mohammed also thanked YAL's program partners Kuwait Finance House, ALBA and Hill and Knowlton and its media sponsors, Al Bilad and Al Wasat.
More than 200 Bahraini young professionals are participating in the forum. They will have the chance to learn more about leadership skill sets and how to develop the leadership mindset that makes a successful and effective leader. The forum also provides a unique opportunity to network with like-minded young professionals. Participants are young professionals who have already established themselves as potential leaders in their fields and ALF seeks to encourage them to extend these qualities by developing their leadership skills and how to capitalize on such valuable concepts.
The central theme for this year's forum, Building the Next Generation of Leaders aims to show participants that leadership and success involves many paths. To this end, leading international speakers will conduct workshops on topics as varied as understanding and applying leadership psychology to self improvement and wealth strategy.
The event reflects YAL's continuous commitment to educating and nurturing the leadership potential among Bahrain's youth and providing them with skills-training and mentoring to forge ahead as leaders in their careers. The forum is being held from February 20-22.
Top Headlines
- Investcorp Sponsors Young Arab Leaders Third Annual Forum in Bahrain
- Young Arab Leaders announce partnership with ALBA for Arab Leaders Forum (ALF)
- Calling Ambitious Young Professionals For Leadership Forum
- Bahrain International e-Government Forum 2009 Opens Today under the Patronage of H.E. Shaikh Mohammed Bin Mubarak Al Khalifa
- Young Arab Leaders organizes the 'Top Talent Leadership Camp', a unique professional training program


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We have an update on four sea turtles rescued at the Hatteras Ferry terminal last week.
Two of the Kemp's Ridley Turtles found are doing well, according to the Ferry Division. Unfortunately, the two small Green Turtles died at the N.C. Aquarium on Roanoke Island. Crews this morning rescued another Kemp's Ridley at Hatteras as well.
So far this winter 18 turtles have been brought to the aquarium and experts won't be surprised if more are found this week because of the bitter cold temperatures.
Previous Story
More cold-stunned sea turtles are showing up along the coast.
Employees at the Hatteras Ferry rescued four turtles on Wednesday.
The ferry system says employees spotted the distressed turtles in the basin at the Hatteras terminal. They launched a rescue response boat and two seamen rescued the turtles and brought them inside the terminal for warmth.
Hatteras Island Wildlife Rehabilitator Lou Browning picked up the sea turtles within 20 minutes.
The cold-blooded sea turtles are becoming paralyzed by abnormally low temperatures. Thirty turtles were reported in trouble Tuesday afternoon near Cape Lookout.
There are now 14 sea turtles being cared for at the North Carolina Aquarium at Pine Knoll Shores. That's on top of the more than 20 turtles that Topsail Beach Sea Turtle Rescue and Rehabilitation Center director Karen Beasley says have already been discovered along the coast.


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ESCANABA - John Howes Noreus and Jessica Lyn Williams were joined in marriage on Sept. 10 at Ludington Park in Escanaba.
The son of Jim and Theresa Noreus of Gladstone, John is employed by Boilermakers Local 169 of Detroit.
Employed at Hereford & Hops of Escanaba, Jessica is the daughter of Henry and Glenda Williams of Hulbert, Mich.
Article Photos
Jessica and John Noreus
The couple plans on staying in the area and building their life together close to family and friends.


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The National Day of Prayer, always the first Thursday in May, was just the beginning for some of the Clark County faithful. That's because a Global Day of Prayer also takes place every year on the Day of Pentecost — which changes from year to year. In 2012, it's May 27, which also happens to be the Sunday before Memorial Day. So, organizers of the annual Day of Prayer in Clark County decided to pull all that praying power together into a "24 x 24 Clark County Prayer."
Starting Thursday with gatherings at noon at Vancouver City Hall and in the evening in Battle Ground, Camas and Hazel Dell, local congregations have been encouraged to pick one day between May 3 and May 27 and keep the blessings flowing for 24 hours. Take a look at Clark County Prayer Connect to learn more.


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North Carolina Sen. Richard Burr is off to Minnesota to help prepare the Republican party's platform.
Burr is co-chairman of the GOP's Platform Committee. It meets
every four years to adopt a platform that outlines the principles
and policies of the party. California Rep. Kevin McCarthy chairs
the committee this year.
The Platform Committee will meet this week to prepare the
platform that it will present at the Republican National Convention
next week. The committee is composed of 112 delegates.
Burr's office said the senator will be in Minnesota on Monday to
start on the process.
The Democrats are prepared to adopt a similar document that
commits the party to the principle of guaranteed health care for


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AIRWAY HEIGHTS — A female counselor at the Airway Heights Corrections Center has been accused of sexually assaulting a male inmate who is serving time for rape.
A corrections officer caught the two on April 4 in a small prison classroom, with their pants unzipped, KXLY-TV of Spokane reported Monday, citing a report from Airway Heights police.
The report said the counselor, whose name has not been released, acknowledged having sex with the inmate. Police want her charged with misconduct. She has resigned from her job.
The report said the counselor concealed her relationship with the inmate by writing him letters under an assumed name and used a bogus return address.
The counselor "had planned to have an affair with (the inmate) after he was released" in October, it said.
Prison officials are treating the case like a sexual assault and view the inmate as a victim.
"Being raped in prison is never to be part of an offender's sentence," said spokeswoman Risa Kleme of the Airway Heights Corrections Center. "We are their custodians and we're here to provide their safety and security while they are incarcerated."


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Financial Statement Analysis
Expense ratio
Expense ratios indicate the relationship of various expenses to net sales.
operating ratio reveals the average total variations in expenses. But some of the expenses may be increasing while some may be falling. Hence, expense ratios
are calculated by dividing each item of expenses or group of expense with the
net sales to analyze the cause of variation of the operating ratio.
The ratio can be calculated for individual items of
expense or a group of items of a particular type of expense like cost of sales
ratio, administrative expense ratio, selling expense ratio, materials consumed
ratio, etc. The lower the operating ratio, the larger is the profitability and
higher the operating ratio, lower is the profitability.
While interpreting expense ratio, it must be remembered
that for a fixed expense like rent, the ratio will fall if the sales increase
and for a variable expense, the ratio in proportion to sales shall remain nearly
the same.
Following formula is used for the calculation
of expense ratio:
Particular Expense = (Particular expense / Net
sales) × 100
Expense ratio formula can be further categorized as on basis of use
1- Administrative expense ratio formula
2- Operating expense ratio formula
3- Variable expense ratio formula
Administrative expenses are $2,500, selling expenses are $3,200 and sales are
Calculate expense ratio.
Administrative expenses ratio = (2,500 / 25,00,000) × 100
= 0.1%
Selling expense ratio = (3,200 /
25,00,000) × 100
= 0.128%
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THOMSON, Ga. - Mrs. Sybil Edmunds Brantley, age 61, beloved wife of Mr. Harold Brantley of Noble Street, died Monday March 6, 2006 in the McDuffie Regional Medical Center. You may sign the online guest book at www.curtisfuneralhome.com Curtis Funeral Home Is in charge of arrangements.
The Augusta Chronicle March 9, 2006
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Prof. Matar, Libyan author and member of Barnard's English faculty, answers questions on Libya through The New Yorker's "Ask the Author" webpage.
Avis Hinkson '84, Dean of the College, to receive the Beacon Award for Outstanding Achievement in Education
On October 13, scholars and activists from a range of disciplines gathered at Barnard to discuss the "public good." Read faculty and student reflections on the event.
Hisham Matar, Lybian novelist and member of Barnard's English faculty, was a guest on Charlie Rose's broadcast and MSNBC discussing the death of Gaddafi.


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It's like, I hate getting up in the morning, unless it's over and over and over and over again -- then I'm good.
Watch highlights from season one and find out why that's great news.
Get full episodes of your favorite shows on the Comedy Central app.
Unlimited streams and downloads of the best Comedy Central specials.


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Idaho Power gets OK for Wyoming coal plant project
BOISE, Idaho (AP) — Idaho Power Co. got the green light Monday to spend tens of millions to clean up emissions at its Wyoming coal-fired power plant, and regulators want quarterly updates on whether the investments continue to make sense amid expected changes to federal environmental rules.
The decision by the Idaho Public Utilities Commission aims to ensure the state's biggest utility isn't locked into completing the estimated $130 million project, should alternatives to coal emerge as better for ratepayers.
Some observers expect the Obama administration to pass new greenhouse gas rules in 2015 that will hurt the viability of coal, compared with other forms of electricity generation.
However, if Idaho Power acts in good faith, the utility would likely be allowed to recover its costs from ratepayers, even if upgrades were abandoned before its pollution-control project was completed, PUC spokesman Gene Fadness said.
"We don't have a crystal ball," Fadness said. "The commission has always felt that if utilities are acting on the best information they had at the time, then the commission doesn't necessarily feel those costs have to be denied."
Monday's ruling came after protests by environmental groups, including the Sierra Club, demanding Idaho Power invest in renewables and reduce demand rather than prolonging the life of the dirtier coal plant.
However, the commission decided Idaho Power's proposed investments, at least at this time, were better for ratepayers and trumped alternatives proposed by the environmental groups.
Idaho Power, which owns one-third of the Jim Bridger coal-fired power plant near Rock Springs, Wyo., is under a federal Clean Air Act deadline meant to improve air quality in wilderness areas and national parks such as Yellowstone, located to the north of the plant.
PacifiCorp, which owns two-thirds of the Bridger plant, has already won approval from regulators in Utah and Wyoming for its share of the upgrades, due to be completed by late 2016. Without the upgrades, the Jim Bridger Plant would be forced to shut down.
Idaho Power spokesman Bill Shawver said the utility was pleased that regulators gave the company the go-ahead to move forward, over the objections of environmentalists.
Regulators "acknowledged what we feel: That it's still in the best interests of our customers and the company, from a cost perspective, to install the emissions control equipment," Shawver said.
In a partial victory for environmental groups, however, the Idaho regulator declined to approve a request from the utility that would have virtually guaranteed that Idaho Power could recover the full $130 million investment, once the project was completed.
Had that been granted, the commission wrote in its 13-page decision, it would have made it more difficult for Idaho Power to abandon these investments, even if stricter federal greenhouse gas limits made the controls a bad deal for ratepayers.
"A tipping point could be reached making them uneconomic," regulators wrote. "As the project moves toward completion ... we direct Idaho Power to return to the commission if viable alternatives ... become available."
Zack Waterman, director of the Sierra Club in Idaho and a key organizer of opposition to the utility's proposal, joined other coal-plant foes including the Snake River Alliance group in lauding the commission's decision not to lock in recovery of the $130 million.
He's hopeful forcing Idaho Power to justify its upgrades every three months, coupled with the possibility of new greenhouse gas emission limits on the horizon, will prompt the utility to "completely rethink" its investment in the upgrades.
"We're still thrilled with this," Waterman said. "We think this gives us an opportunity to continue the discussion. We don't think all of the costs of running these coal plants have been accounted for. And we don't think that an adequate range of alternatives has been presented to ratepayers."


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This week on Dialogos Radio, the Dialogos Interview Series will feature an informative and detailed interview with the renowned economist and professor Ha-Joon Chang of the University of Cambridge. Chang is also the author of a recently-published book titled "23 Things They Don't Tell You About Capitalism."Comments
Join us this Friday on Wizards of the Roach where we will be jamming out to Sevendust, Lit, Shinedown, Third Eye Blind, and a plethora of other underground hits. It promises to be a sick showcase of unkown artists. We will also have Chug Junnderson of Slamdown Records on to talk about the future of Butt Rock. We hope you can tune it. Stay salty.Comments
This week on Dialogos Radio, we will celebrate the recent Greek Independence Day holiday with a special broadcast. On this week's program, the Dialogos Interview Series will feature an interview with Paul Ioannidis, the honorary vice president of the Alexander S.Comments
Guten Abend meine Damen und Herren! Heute abend bei Es Klingt Wie Deutsch sind nur zwei von uns dabei, aber wir haben trotz dem interresante Themen besprochen. Wir haben viel ueber den Flieger aus Malasien gesprochen, die verloren geganen ist. Xinyi ist sogar bei den Flughafen in Beijing gewesen an dem Tag wo der Fieger verloren gegangen ist, wo der Flieger eventuell ankommen sollte.Comments
This week on Dialogos Radio, the Dialogos Interview Series will feature an interview with Vaggelis Pissias, a professor of water resource management at the Higher Technological University of Athens (TEI of Athens) and member of the International Initiative for Peace in Syria.Comments
Wizards of the Roach had its first broadcast across the internet tubes last friday and it was a disaster. None of us knew what we were doing and only my mom was listening. Anyways, you all should listen to our second broadcast. Join DJ Ralph, Tito Lounge, and a third DJ who can't come up with a name this Friday at 4pm until 6pm. It will be totally radical dudes. SURF'S UPComments


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Comme Ça Pops Up in New Easton Ellis Book
David Myers offers a three-course meal to follow a reading from Imperial Bedrooms.
David Myers offers a three-course meal to follow a reading from Imperial Bedrooms.
O.C. lost Drago but will gain a brasserie from an L.A. legend.
Even if soccer isn't your favorite sport, The World Cup offers a tremendous opportunity to try new cuisines.
The farmer's market-obsessed chef is already updating the French bistro menu.
Authors Clifford A. Wright and Martha Rose Shulman will put twelve students under the blade on Cinco de Mayo.
Alain Giraud offers a menu from one of the world's best gastronomic regions.
The W Hotel's hot new restaurant opens a patio and chef Sascha Lyon launches weekend brunch.
Former Asia de Cuba and China Grill chef Malik Fall takes over the former Boucarou space.
Can the French open-faced sandwich become as trendy as the macaron?
A gastropub/bistro is coming to Culver City's departed Crest House.
Belgian beer and French dining come together in The San Gabriel Valley.
Tony Rivera and Michael Kwan are branching out with new concepts.
A Gascon chef takes over where Jeffrey Zacharian failed.
The W's new restaurant scores with The L.A. Weekly and Angeleno loves the kitchen shake-up at an Italian legend.
D'Artagnan celebrates its 25th anniversary with Gascony Week.
After 30 years, is this the end of the West Village fixture?
Eggs dominate a global-inspired French bistro.
A new French bistro lands in Beverly Hills to give Thomas Keller a run for his money.
A new French restaurant is coming to Hollywood.
A couple of breaths of life in the world of haute Français today.


text: This is pretty weird. Saturday morning I notice a robin sitting in the windowsill in my bedroom, looking in. Well it was kinda weird but I shoo'd it off, and it flew right back. The house is build into a hill so the window is at ground level. Around the corner, still in my bedroom is a patio style door and a hot tub outside. This bird is now sitting on my hot tub cover crapping all over it. It has been here 3 days. Why?


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- Differential Diagnosis
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- Try building your search one term at a time, and be as specific as you can! Search term example: "chronic cough".
- Do not enter multiple findings such as "anemia, chronic cough, weight loss, vomiting" all at the same time.
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Sign-in (or register) to check out the new features we've just launched!
Differential Diagnosis For STOOL/Downey Test Apt (Fetal Hemoglobin) Abn
Available only to registered users.
- Suggest
- 8 possible diagnoses found
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- Stomach rupture in newborn
- Infected organ, Abscesses
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- NGC (National Guideline Clearinghouse)
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- Harrison's Online (accessmedicine)
- NEJM (The New England Journal of Medicine)


text:
Cora and Erika by ArtemisumiWatch
©2012-2016 Artemisumi
this is going tooo be my background on my computer
cute :3
her pinkish shirt is like my fave color! and their cloths with them folds is just great!
Really cute! I love their hair!
I would say this is cute, but the blue-haired girl has a nice ass. xP
Awww, those two're so cute. ^w^


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Sen. Jim Inhofe Wants Detailed Plan on Syria from President Barack Obama
Sen. Jim Inhofe, R-Tulsa, the top Republican on the Senate Armed Services Committee, said Wednesday that
he couldn't support U.S. military action in Syria unless President Barack Obama "presents to Congress his broader strategy in the region that addresses our national security interests and the budget to support it."
Inhofe said, "President Obama has decimated our military beginning with his first budget four and a half years ago. He has underfunded overseas contingency operations (OCO) fund, reduced base defense budget, and put into motion sequestration.
"Our military has no money left. Will the President pay for this operation with more furloughs and by grounding squadrons again? By continuing to raid the already underfunded base defense budget, Administration Obama further undermines future military readiness and capabilities.
Inhofe said the situation in Syria is "abominable as thousands upon thousands of innocent children and families are being murdered while millions more are being driven from their homes."
But he said, "The United States should also not consider a strategy without thoroughly consulting and heeding the advice of our partners in the region, which include Israel, Jordan and Turkey. It is vital we avoid shortsighted military action that would have little impact on the long-term trajectory of the conflict. We can't simply launch a few missiles and hope for the best."
Meanwhile, Reps. James Lankford, R-Oklahoma City, and Markwayne Mullin, R-Westville, signed on to a letter urging Obama to consult Congress before taking action in Syria. Rep. Tom Cole, R-Moore, was an earlier signer of the letter, which was sponsored by Rep. Scott Rigell, a Virginia Republican. By late Wednesday afternoon, 116 House members, including many Democrats, had joined the letter, Rigell's office said.


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Hardest Hoenn Gym Leader?
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January 21st, 2013 (1:39 PM).
Doug Dimmadome
the newest pop punk sensation
Join Date: Jan 2013
Location: giraffe blanket, usa
Age: 19
Gender: Female
Nature: Relaxed
Posts: 4
Definitely a tie between Flannery ((use attract one more time i dare you)) and Norman ((obvious reasons)) although with my recent game I chose Torchic instead of Mudkip and he was fairly easy to beat after evolving him into Blaziken
my chemical romance is a pretty cool band
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Your body is made up of trillions of cells—but what do you really know about them? Take our lab quiz and determine your CIQ (cell identification quotient).
Evolving Pain Resistance
October 24, 2013|
Grasshopper mice harbor mutations in a pain-transmitting sodium channel that allow them to prey on highly toxic bark scorpions.


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It's been a long, long time since Greenville's J.H. Rose Rampants have been shut out. The Rocky Mount Gryphons got it done Friday night with a 36-0 shutout.
The score was 16-0 at halftime and it went down hill from there for Rose as L'Var Silver scored his second touchdown of the game on a 29-yard-run and Nick Hahula notched his second touchdown as well. Hahula finished of the Gryphons' scoring with a pair of fourth quarter field goals. Hahula rushed for 51 yards and scored 24 points for Rocky Mount.


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Imagine warm-weather schools Florida State and Arizona becoming dominant at ice hockey. Picture Idaho as the latest surfing spot. Think of genteel Vermont as a rodeo destination.
They just don't fit.
The idea of cold-weather Bloomington producing one of nation's premier college baseball programs may not be quite that absurd, but it is close.
Sure, you can play baseball in the Big Ten. You just can't be very good at it on the national stage. Never have been, and most thought never will.
That is what makes IU's national seed truly impressive going into today's opening game of the NCAA Regional at Bloomington.
It just doesn't happen. Indeed, it has never happened in the conference. When you are talking about the historic Big Ten, never is a very long time.
But here are the Hoosiers, defying Mother Nature and NCAA baseball tradition to do the unthinkable.
After last year's inspired uphill run to the College World Series, IU returns to postseason play as one of the top eight seeded teams in the nation.
The Big Ten champs open play against Horizon Conference tourney winner Youngstown State(16-36) in the nightcap (7 p.m. ESPN3) of the four-team double elimination round. Stanford (30-23) and Indiana State (35-16) square off at 2 p.m.
The Hoosiers (42-13) are seeded fourth in the nation, the only time a conference school has been in the top eight. That designation assures IU that it would host a Super Regional if it advances out of the Regional.
"We're excited for our team," said senior catcher Kyle Schwarber, whose home run helped IU top Nebraska, 8-4, for the Big Ten title. "It's the first time we've ever gotten a national seed. We're ready for the challenge it brings."
Indiana's skipper, Big Ten Coach of the Year Tracy Smith, cautions against overconfidence but thinks his team has gotten the message after a rocky regular season start that opened with a 9-8 record.
"Just play," Smith said. "It's something we talk about every day. Don't be afraid of the result. Just play and walk off the field knowing you've given it everything."
After settling down and learning to not press against the expectations from last season's breakout year, IU went 33-5.
Since the tournament expanded to 64 teams with a Regional round, the hosts advance about 70 percent of the time.
The Sycamores are Indiana's biggest threat. The two teams split a pair of games this season, so Indiana State will not be awed by the opponent or the atmosphere at Bart Kaufman Field if the two meet in a likely Saturday matchup.
Last year, the Hoosiers won their Regional and then swept Florida State in Tallahassee, Florida to advance to Omaha.
The national top eight seeds are Oregon State (42-12), Florida (40-21), Virginia (44-13), Indiana, Florida State (43-15), Louisiana-Lafayette (53-7), TCU (42-15) and LSU (44-14-1).
IU has put up the season numbers to stack up well in the long tournament. The Hoosiers' .294 team batting average and .973 fielding percentage both rank in the top 50 nationally.
Seniors Schwarber (.340), first baseman Sam Travis (.342) and third baseman Dustin DeMuth (.381) lead a team with a record eight players named all-conference.
It is pitching, though, that sets this team apart and might be the difference if it gets to Omaha. Senior Joey DeNato (12-1, 1.77 ERA) leads a staff that has bounced back from season-ending injuries to its closer and No. 2 starter to become dominant.
How dominant? IU's staff ERA of 2.17 is third-lowest in all of Division I baseball.
The prelude is over; the regular season is history.
There is no doubt that this Hoosier team expects to be here. The goal has been the same since their elimination by Oregon State at the College World Series last June 19.
"It's Omaha. It is winning that national championship," Schwarber said in a February interview. "We know now what it takes to get there. And we know that feeling in your gut from losing."
This is no one-hit wonder in Bloomington. The Hoosiers are back in the postseason again. And this time they want more.


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Three Things You Can do, to Control Flying Insects
As a pest control professional I get frequent calls about houseflies, gnats, mosquitoes, fruit flies and unidentified, flying & swarming insects. Concerned customers and prospective customers want our technicians to go to their homes or business and "exterminate them all." They want an insect free environment. Unfortunately, there is no easy answer to flying insects. There is no magic spray that we can use to erase their problems and there is no such thing as an insect free environment, nor should that be the goal. Sure, flying insects that are present at the time of a treatment can be killed with a quick knockdown material, but others will take their place in short order. The problem is that they, well…fly! In the case of crawling pests, a residual barrier can be placed around a home or other building and the pests crawling across the material will be killed. In the case of flying insects there is no contact wi


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US-HEALTH Summary
Sep 15, 2011, 10:27 p.m.
Analysis: Bachmann vaccine comments toxic, doctors say
CHICAGO (Reuters) - No matter how much the U.S. medical community repudiates the suggestion by presidential candidate Michele Bachmann that a vaccine for human papillomavirus (HPV) is dangerous, doctors fear the damage has already been done. Physicians are bracing for more parents to refuse the HPV vaccine, which protects against the most common cause of cervical cancer, for their daughters.
Prescription drugs poisonings up in kids
NEW YORK (Reuters Health) - More and more kids are showing up in the emergency room after accidental poisoning from prescription drugs, according to new research. The findings show that powerful painkillers and sedatives including sleep aids and muscle relaxants are behind much of that rise, and that the poisonings usually occur when kids get into medications themselves -- not when parents give them too much by mistake.
115 U.S. children, teens died from flu last season: CDC
(Reuters) - Some 115 U.S. children and teens died from influenza last flu season, and many of those deaths were of children who had not gotten an annual flu shot, U.S. health officials said on Thursday. The U.S. Centers for Disease Control and Prevention recommends flu shots for children as young as six months old, yet less than a quarter of the 74 children over age six months who died between September 2010 and August 2011 had been vaccinated.
U.S. government draws fire for pulling doctor data
(Reuters) - Consumer advocates and journalism groups are fighting a U.S. government move to cut public access to a database of malpractice claims and damages paid by doctors around the nation. The Association of Health Care Journalists (AHCJ) and Consumers Union on Thursday joined several groups in criticizing curbs by a U.S. health agency earlier this month on public access to a database of malpractice settlements over concerns of a breach of one doctor's confidentiality.
Western states lead in reducing lung cancer rates: study
BOSTON (Reuters) - Western U.S. states boast the lowest rates and most rapid decline in lung cancer in the nation as fewer people smoke cigarettes, a study released on Thursday showed. Over nearly a decade, from 1999 to 2008, rates of new lung cancer cases dropped among men in 35 states and women in six states, with residents in the West leading the pack, the report by the Centers for Disease Control and Prevention said.
FDA warns about cantaloupe linked to illness, deaths
CHICAGO (Reuters) - The Food and Drug Administration warned consumers on Thursday not to eat cantaloupe grown in part of Colorado after two deaths from what it said was the first Listeria outbreak traced to the melon. Jensen Farms, grower of the cantaloupe in the Rocky Ford region of Colorado, voluntarily recalled the melons earlier in the week. The melons were sent to at least 17 states.
China newborn baby deaths fall with improved healthcare
HONG KONG (Reuters) - Far fewer newborn babies in China are dying compared to 15 years ago, researchers reported on Friday, underscoring the success of a Chinese programme to encourage women to deliver in hospitals rather than at home. Deaths among newborn babies fell 62 percent to 9.3 for every 1,000 live births in 2008, compared to 24.7 in 1996, they wrote in a paper published in The Lancet medical journal.
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