text:
Britain's banks are ripping us off when it comes to current accounts, the Competition & Markets Authority has said. After a year-long investigation into retail banking it concluded that most of us could save £70 a year by switching current accounts.
Those who slip into the red could save twice as much, while heavy overdraft users could save on average £260 a year by moving to a better-value account.
So what does the watchdog propose to do about it? Almost nothing, it turns out. But the report finding published yesterday were only provisional, and the CMA will publish its final proposals next spring.
But the chance of there being some real chunky guidelines for banks to force them to play fair with customers looks pretty slim.
What has the CMA actually proposed? It said: "Banks must address long-term problems and make it easier for customers to take charge of their accounts." It says potential solutions are requiring banks to prompt customers to review their service at certain "trigger points".
"We think customers need to be put in charge of their banking," said Alasdair Smith, chairman of the retail banking investigation.
The report didn't go down well with experts. "These proposals don't go far enough," said Which? "The report misses the opportunity of making significant change," said Post Office Money. "A missed opportunity to shake up a model which is arguably unsustainable and stifles competition through lack of transparency," said PWC.
Switching accounts
What's the problem?
Very few people switch their current account; 57 per cent of consumers have been with the same bank for 10 years and 37 per cent for more than 20. There are lots of reasons why people don't switch – apathy being a key one – but even those that do try face the barrier of not being able to work out which account is best for them when faced by a bewildering number of choices of fees, charges, interest, extras, and so on. In fact just 3 per cent of people moved to a new bank account last year.
What did the CMA say?
"Bank customers fear that switching their current account to a new bank will be complicated, time-consuming and risky."
It added: "The investigation discovered that accounts which are more expensive and below-average quality are not losing customers to cheaper and better alternatives at the rate that would be expected in a well-functioning market."
Its recommended solutions include requiring banks to prompt customers to review the service they get at "trigger points", such as if their local branch closes or overdraft charges change. It also wants to make it easier for customers to compare offers, with greater access to banking history and a comparison website.
Is that enough?
No. The proposals are wishy-washy and won't make much difference. Banks must be forced to tell customers if they're being ripped off and fined if they don't play fair.
Business picture of the day
Business picture of the day
1/35 Markets react to Reacts to EU referendum vote result - Friday June 24
nalyst Robert Halver reacts at the Frankfurt Stock exchange the day after a majority of the British public voted for leaving the European Union on June 24, 2016 in Frankfurt am Main, Germany. The FTSE 100 plunged more than 8 per cent in its biggest opening slump since the financial crisis, wiping £120 billion off the value of the 100 biggest UK companies, after the UK voted to leave the EU.
Getty Images
2/35 Lock of David Bowie's hair to be auctioned - Thursday June 22
A clipping of David Bowie's blonde coiffure could fetch thousands this week at auction. The current bid is for $2,000 on Heritage Auctions, but The Associated Press is reporting that the Beverly Hills–based auction house is expecting to get more than $4,000 for the lock on Saturday.
Getty Images
3/35 The Palace of Culture and Science in Polant lit up with Remain messages as Britain prepares to go to vote - Wednesday June 22
The Palace of Culture and Science Warsaw's Palace of Culture and Science was illuminated in the colors of the Union Jack and accompanied by the hashtag, "Vote Remain." Wednesday marked the last day of polling before Britain goes to vote
4/35 Glass Skyslide added to California's tallest skyscraper - Tuesday June
Sandra Brown, 40, rides the Skyslide on the 69th and 70th floors of the US Bank Tower which is attached to the OUE Skyspace LA observation deck in downtown Los Angeles, California, US June 20, 2016. Visitors will glide through the 45ft-long glass tube to enjoy a bird's-eye view of Los Angeles before landing on a more traditional viewing platform on the 69th floor.
5/35 TalkTalk CEO Dido Harding sees pay almost triple despite cyber attack - Monday June 20
TalkTalk chief executive Dido Harding has seen her 2015 pay almost triple to £2.8 million, despite presiding over the firm in the year it was hit with a cyber attack that caused profits to halve. In October, TalkTalk suffered from a cyber-attack which cost the firm as much as £80 million and the loss of 101,000 subscribers.Her salary increased from £538,000 to £550,000, thanks to the company's £1.9 million long term incentive plan, which was awarded at the end of the previous year. Harding has pledged to donate a further £220,000 annual bonus to the Ambitous About Autism charity.
6/35 Revlon to buy Elizabeth Arden in $870m deal - Friday June 17
Revlon will acquire Elizabeth Arden for about $419 million,a wager that uniting two aging cosmetics giants can reinvigorate both companies' brands. The $14-a-share deal values Elizabeth Arden at about $870 million when debt is included, New York-based Revlon said on Thursday. The cash transaction represents a 50 per cent premium over Elizabeth Arden's closing price of $9.31
7/35 Disneyland Shanghai worth $5.5bn opens with support from Xi Jinping and Obama - Thursday June 16
Ten of thousands of people are expected to visit the Disneyland resort in Shanghai on Thursday as the $5.5 billion park opens its doors after five years of construction. The park, which is the largest investment from Disney overseas, opened its doors with fireworks, dancing Disney characters and support from two of the most powerful leaders of the world, US President Barack Obama and China's President Xi Jinping.
Rex Features
8/35 Sir Philip Green apologises to BHS staff for retailers' collapse in front of MPs - Wednesday June 15
Sir Philip has been called to answer questions by the Business, Innovation and Skills Committee over the collapse of BHS, leaving 11,000 jobs at risk. He has apologised to BHS staff for his handling of the demise of the company, which went into administration on April 15. In opening remarks to a committee of MPs, Sir Philip said that his "emotional tie" to BHS meant that he hung on to the chain too long, leading to "trouble". "Nothing is more sad than how this has ended," he said.
Rex Features
9/35 London house prices up 14% in a year - Tuesday June 14
House prices across the UK continued to grow in April, with London prices leaping by more than 14 per cent over the last year, according to official figures published on Tuesday. The average house price in the UK increased 8.2 per cent year on year to £209,054 in April, up 16,000 from the same time in 2015.In London, which continued to be far more expensive than anywhere else in the country, the average house price is now more than £470,000, up by nearly £60,000 on April last year.
Getty Images
10/35 Microsoft to buy LinkedIn for $26.2bn
Microsoft has said it is buying LinkedIn for $26.2 billion in cash in its biggest-ever acquisition. In a post on the Microsoft website, Microsoft said that that the deal values LinkedIn at $196 per share.Jeff Weiner will remain CEO of LinkedIn, reporting to Satya Nadella, CEO of Microsoft. Nadella said that as a user of LinkedIn and a publisher on LinkedIn, he was excited to work with the site because of the way it empowers people to take the next step in their careers.
11/35 Solar just made more power than coal in the UK for the first month ever - Friday Jue 10
Solar generated more electricity than coal in the UK for the first month on record in May. Solar generated around 1,336 gigawatt hours (GWh) of electricy in May, 50 per cent more than the 893GWh generated by coal, according to analysis by Carbon Brief. ADVERTISING inRead invented by Teads Carbon brief had previously said that solar power beat two "largely symbolic" milestones in May when it beat coal for the first full day on April 9 and for the first week on May 3.
12/35 Amazon launches its Fresh food delivery service in the UK - Thursday June 9
Amazon is competing with British supermarkets as it launches its own food delivery service in the UK in 69 central and east London postcodes Amazon Fresh is available to Amazon Prime customers in areas including Camden, Hackney, Soho, Marylebone and Mayfair as the service makes its first steps outside the US.
13/35 Royal Mint invites pensioners to save for retirement in solid gold - Wednesday June 8
The Royal Mint is to open its golden vaults for the first time to pensioners who wish to invest. Starting from Wednesday, investors will be able to buy 100g and 1kg gold bars, or Signature Gold, as part of a service that allows customers to own a fractional amount of a 400oz gold bar, to be held as a pension scheme. The bars will be stored in The Royal Mint's vault and are subject to a one per cent (plus VAT) storage charge, based on the daily market value.
Getty Images
14/35 Sports Direct founder Mike Ashley admits paying workers below the minimum wage - Tuesday June 7
Mike Ashley has admitted paying Sports Direct employees below the minimum wage at a hearing in front of MPs.The company founder said that workers were paid less than the statutory minimum because of bottlenecks at security in an admission that could result in sanctions from HMRC.
15/35 Pound slides to fresh lows after polls show growing Brexit support - Monday June 6
The pound has fallen to fresh lows after polls showed support for the Leave campaign was growing ahead of the EU referendum. Polling firm TNS said on Monday that the Leave campaign had a 2-point lead over the Remain campaign. Sterling fell 1 per cent against the dollar to hit a three-week low on June 6. Against the dollar, sterling fell to $1.4370, recovering slightly from lows of 1.4352 in early trading in Asia, its lowest in three weeks.
16/35 Weakest US jobs figures in six years shock financial markets - Friday June 3
The weakest American job creation figures in six years last month have sent the dollar tumbling and crushed expectations of another interest rate hike by the Federal Reserve this summer.
17/35 New Sir Winston Churchill £5 note design is unveiled - Thursday June 2
Mark Carney, governor of the Bank of England (BOE) reveals the final design for the new polymer £5 banknote, featuring an image of wartime leader Winston Churchill.The Bank says the thin and flexible plastic banknotes will be cleaner, more durable - as they will last for five years - and harder to counterfeit than the current paper notes.It admits that they may initially be prone to sticking together.
Bloomberg via Getty Images
18/35 Abe delays Japan's sales tax hike until late in 2019 - Wednesday June 1
Prime Minister Shinzo Abe said he'll delay an increase in Japan's sales tax until 2019, a move that may help support consumer spending while complicating the government's efforts to tame the world's largest debt burden.
Getty Images
19/35 Austin Reed to cut 1,000 jobs and close all stores - Tuesday May 31
British menswear retailer Austin Reed is to close 120 of its stores by the end of June after administrators failed to find a buyer for the entire business.
Philip Toscano / PA Wire/Press Association Images
20/35 G7 world leaders say Brexit poses a serious risk to global growth - Friday May 27
Seven leaders have warned of the risk to global economy if Britain votes to leave the European Union in a referendum next month. The UK leaving the European Union would "reverse the trend towards greater global trade and investment, and the jobs they create, and is a further serious risk to growth," leaders said in a joint declaration at the G7 meeting in Japan.
21/35 Fast food workers demonstrate for better wages - Thursday May 26
Demonstrators calling for an increase in the minimum wage to $15-dollars-per-hour protest outside of McDonald's corporate headquarters on May 25, 2016 in Oak Brook, Illinois.
Getty Images
22/35 Steelworkers march in London as Tata sale talks continue - Wednesday May 25
Hundreds of steelworkers from across the UK marched through Westminster to keep up pressure for government help for their industry
AP Photo/Kirsty Wigglesworth
23/35 Google Paris headquarters raided as part of tax payment probe - Tuesday May 24
The message 'I'm feeling lucky' is seen on the facade of the entrance of Google's Paris headquarters on May 24, 2016 in Paris, France. Google's headquarters in Paris were raided by French investigators on Tuesday morning as part of an investigation over alleged tax fraud. Ministry of Finance is seeking €1.6 billion ($1.79 billion) in back taxes from the US Internet giant Google.
24/35 Bayer offers to buy Monsanto for $62 billion cash - Monday May 23
Monsanto DeKalb brand hybrid corn sits in the hopper of a Case IH planter in a field in Princeton, Illinois, US. Bayer, on Monday, made an unsolicited $62 billion all-cash offer to acquire Monsanto to create the world's biggest supplier of farm chemicals and genetically modified seeds, a proposed acquisition that would be the biggest corporate deal by a German company.
Getty Images
25/35 Fracking approval under consideration - Friday May 20
Councillors in North Yorkshire on Friday considered whether to approve fracking in England for the first time since a ban on the technique was lifted in 2012. Campaigners say approval would set a "dangerous precedent".
Getty Images
26/35 'Oppenheimer Blue' diamond sells for £40m, setting new record - Thursday May 19
The world's most expensive diamond has set a new record after it was sold at auction - for more than £39 million. At 14.62 carats, the 'Oppenheimer Blue' was the largest Vivid Blue diamond ever to go under the hammer.
27/35 Mitsubishi Motors president to resign over fuel scandal - Wednesday May 19
Mitsubishi Motors President Tetsuro Aikawa will step down as the Japanese automaker looks to regroup from its widening fuel economy testing scandal with the backing of Nissan Motor. Aikawa, 62, and Executive Vice President Ryugo Nakao will leave their positions effective June 24, according to a statement Wednesday.Prior to the scandal, Mitsubishi was the sixth biggest carmaker in Japan and ranked 16 worldwide.
28/35 Harmony of the Seas: Biggest cruise ship in the world docks in Southampton - Tuesday May 17
The worlds largest cruise ship, the 361 metres long, Harmony of the Seas, arrives in port for her mayden voyage, in Southampton, Britain May 17, 2016. The 362-metre-long Harmony of the Seas cost $1 billion (£700 million) and is larger than the Eiffel Tower.
29/35 Barclays to sell secret London gold vault - Monday May 16
Barclays has sold its metals business, including a secret gold bullion vault in London which can hold up to 2,000 tonnes of gold. ICBC Standard, China's biggest bank, expects the purchase to be completed in July. Barclays decision to exit the business comes as US and EU regulators investigate whether 10 banks, including Deutsche Bank and Barclays manipulated prices of precious metals such as silver and gold.
Getty Images
30/35 Bank of England warns EU referendum vote could damage UK economic growth - Thursday May 12
The Governor of the Bank of England, Mark Carney, warned today that a majority vote to "leave" in next month's European Union referendum carried the risk of a "technical recession" for the UK. His words came as the Bank slashed its growth forecasts citing uncertainty created by next month's Brexit referendum - and warned, in addition, that a vote to leave could push up unemployment, send the pound plummeting and result in a spike in inflation.
Getty Images
31/35 EU blocks Three's takeover of O2 - Wednesday May 11
European Union Commissioner for Competition Margrethe Vestager talks to the media after the EU Commission prohibited Hutchison's proposed acquisition of Telefonica UK, at the EU Commission headquarter in Brussels on May 11, 2016. The European Commission shot down Telefonica's blockbuster sale of British telecom giant O2 to Hong Kong group Hutchison on fears it would inflict higher prices on British consumer
Getty Images
32/35 Budweiser just renamed its beer to "America" - Tuesday May 10
The beer, formerly known as Budweiser, is going for what it calls "patriotic packaging" this summer. The brand name on most cans and bottles will read "America", and will include phrases from the Pledge of Allegiance and lyrics from The Star Spangled Banner and America the Beautiful. "We thought nothing was more iconic than Budweiser and nothing was more iconic than America," Tosh Hall, creative director at JRK, told Fast Co Design.Anheuser-Busch InBev, the Belgian-Brazilian brewing giant, filed the America label for approval from the Alcohol and Tobacco Tax and Trade Bureau, and has received the go ahead for use on 12-ounce cans and bottles.
33/35 Canadian wildfires push up oil - Monday May 9
Crude rose as expanding wildfires in Canada knocked out about 1 million barrels a day of output. Futures increased as much as 2.9 per cent in New York and 2.5 per cent in London. The blaze has led to cuts equivalent to about 40 percent of Canada's oil-sands production, based on IHS Energy estimates.
34/35 Hotel Chocolat founders make £20m each from stock market debut - Thursday May 5
Angus Thirlwell and Peter Harris share £43.5m of £55.5m raised through flotation of luxury chocolate company
Getty Images
35/35 BHP Billiton faces £30bn compensation claim over Brazil dam disaster - Wednesday May 4
BHP Billiton and its partner Vale are facing a 155bn real (£30bn) claim from Brazilian prosecutors over a dam collapse last year at one of their iron ore mines, which killed 19 and left 700 homeless. Shares in the London-listed BHP plunged almost 10% after the charges were revealed into what is being called Brazil's worst ever environmental disaster.
Getty Images/ Douglas Magno
What's the problem?
It's impossible to compare overdraft charges across banks, because they all seem to charge differently. Some have a monthly fee and others a daily fee, while some charge a high interest rate on overdrawn balances and others have a mixture of all. There are also a range of penalty charges which differ from bank to bank.
There is also the problem that those who go into the red often – and therefore would benefit most from switching – are much less likely to switch because of the fear their overdraft limit may be cut or even turned down.
What did the CMA say?
"We have particular concerns about overdraft users. Many believed they did not use an overdraft or they underestimated their usage. Despite having the most to gain from switching, are less likely to switch than other customers."
It suggested that the online tool Midata – which rounds up information about charges and fees – could be improved to make it easier for consumers to compare bank accounts and find the one that is best suited to their financial situation.
Is that enough?
No. Banks should be forced to have an easily comparable menu of charges so that consumers can see at a glance how much an overdraft will cost them at another bank, rather than have to get out the calculator and try and do some complex sums to have any idea.
The cost of accounts
What's the problem?
Banks make great play of the fact that they offer free banking – but critics point out that banking is not free, someone has to pay for it. In simple terms those struggling with their finances who slip into an authorised overdraft are funding the free banking enjoyed by the better-off. They are slapped with huge fees and penalty charges.
In addition, those who keep a credit balance in low interest accounts – most of those on the market – also suffer through the lost interest they could have earned on the cash elsewhere. It is estimated that interest foregone cost customers more than £3bn in 2013 alone.
What did the CMA say?
Current accounts generated revenues of approximately £8.7bn in 2014 for the banks. But the watchdog decided not to recommend ending "free if-in-credit" accounts as it "saw no convincing evidence that their prevalence distorted competition". It added that "some banks have already devised accounts which compete with free if-in-credit through the rewards they offer."
Was it enough?
Not for some of the challenger banks, who argue that free banking is misleading to customers and a barrier to entry for them into the market. A charge for a current account would be controversial but would make it easier for new banks to compete equally and would reduce the massive burden of current account fees which currently falls on hard-up people.
Banks could mitigate the impact on those angry at losing their free banking by offering free banking to those with a decent credit balance – say £1,000, as already happens with some accounts.
- More about:
- Banks
- Money
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text:
Panel estimates of the earnings gap in Norway: do female immigrants experience a double earnings penalty?
Abstract:This study explores the possibility that being both a 'female' and an 'immigrant' will impose an earnings disadvantage on immigrant women in Norway. Well-known techniques are used to decompose the earnings gap between Norwegian men and immigrant women into portions attributable to productivity differentials, portions attributable to a gender effect, and portions attributable to an ethnic effect. The analysis supports the following conclusions: First, there is evidence of a double negative effect on female immigrant earnings. Second, gender effect is more important than ethnic effect. Finally, the discrimination estimates are robust to the alternative methods used in decomposing Norwegian men-immigrant women earnings gap.
Document Type: Research Article
DOI: http://dx.doi.org/10.1080/00036840110101429
Publication date: July 20, 2002
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subset: commoncrawl


text:
Could For Honor be the Next Big IP For Ubisoft?
Announced back at E3 2015, For Honor claims to have finally cracked the art of swordfighting in...
A new gameplay trailer was revealed earlier today on Spike TV's VGA show.
If you were watching the VGAs today, then this trailer might be old news to you, if you weren't however then it's definitely worth checking out.
It's all new gameplay footage at last which so many Tomb Raider fans have been clamouring for. Unfortunately, Tomb Raider didn't win any awards at the VGAs, but the voice actress for Lara Croft did turn up to present this World Premiere trailer.


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will enhance the long-standing cooperative agreements UL has maintained with several Japanese inspection and testing organizations which include the JMI Institute; the Japan Electrical Testing Laboratory (JET); and Standard Shiken KK (SSKK), which will continue to conduct UL's follow-up inspections of Japanese manufacturing facilities.
What does JET stand for?
JET stands for Japan Electrical Testing Laboratory (aka Dentori or T Mark, Approval of Electrical Products)
This definition appears somewhat frequently and is found in the following Acronym Finder categories:
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- Abbreviation Database Surfer
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text:
George Clooney's Ex Elisabetta Canalis Opens Up on Recent Miscarriage
George Clooney's ex Elisabetta Canalis revealed a personal tragedy in a blog, detailing her heartbreak after suffering a miscarriage. The 35-year-old was expecting her first child with boyfriend Brian Perry this fall, but that is no longer the case.
In a Friday, June 13 post on WhoSay, Canalis wrote a lengthy message in Italian. "Unfortunately, life gives you...a reality that you do not expect, and that is very hard to accept, even if you think you are strong enough and prepared," she wrote in the English translation. "You're never really ready to be told that there is no more beating [heartbeat] and that it had already stopped long ago."
The ordeal had her thinking about other women who experienced the same thing. "I just want to say to all those women who are going through it to stay strong," she wrote. "Life goes on and it is nobody's fault and nature acts in incomprehensible ways. We can only accept it. I just want to say that I feel you close, if you are suffering as I am doing. We can't deny it, it's like an incessant sorrow you can't get rid of."
Canalis also thanked Perri for being her rock. "I know I'm lucky because I have a special man next to me that I wish all to have," she wrote. "The future is full of surprises and happiness and there's a lot of hope, I keep on believing in it."
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text:
Maine county may ask police leaders to use own cars
By Diana Bowley
Bangor Daily News
PISCATAQUIS COUNTY, Maine — As the Piscataquis County commissioners ponder the economy and the possibility it may be no better in future years, they are weighing whether to ask the sheriff and chief deputy to use their own cars in 2011 rather than county-issued vehicles.
Commissioner Tom Lizotte said Tuesday that a budget advisory committee member had told the commissioners that the state had eliminated issuing vehicles to administrators at the Charleston Correctional Facility and wondered whether that could be done at the county level.
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First Published: 2012-12-10
Bahrain sentences activist's daughter to one month jail
Court sentences daughter of Hadi al-Khawaja to one month in jail for taking part in unauthorised demonstration.
Middle East Online
Guilty of entering 'prohibited area' of Pearl Square
DUBAI - A Bahraini court on Monday sentenced the daughter of prominent opposition activist Hadi al-Khawaja to one month in jail for taking part in an unauthorised demonstration, her lawyer said.
Zainab al-Khawaja, the eldest of the Shiite rights activist's daughters, was found guilty of entering the "prohibited area" of Pearl Square, the main symbol of 2011 protests crushed by security forces, on February 12, the lawyer said.
She also was fined 100 dinars ($258).
Her lawyers disputed the charges, saying there was "no formal decision declaring that Pearl Square is a forbidden area".
Defence attorney Mohamed al-Wasta also said on his Twitter account that the prosecution ordered Khawaja's detention for a week on charges of incitement against the regime.
Khawaja, whose father is serving a life sentence for plotting against the state, has faced justice on several occasions already this year.
Her lawyer says she was arrested on Sunday after visiting a hospital in Manama to check on a youth injured during a demonstration.
In October, Khawaja was freed after serving a two-month jail term for destroying government property.
The judiciary accused her of tearing apart a portrait of King Hamad during detention, according to Amnesty International.
In May, she served a one-month prison sentence for assaulting a police officer.
Bahrain came under strong criticism from international human rights organisations over last year's deadly crackdown on the protests, led by the majority Shiites in the Sunni-ruled kingdom.
An international panel commissioned by King Hamad to probe the government's clampdown found that excessive force and torture had been used against protesters and detainees.
41 killed in Istanbul airport bomb, gun attacks
Democratic hopes fade away in Egypt
US-backed Syria rebels advance on key IS link to Iraq
Ban to Israeli PM: Gaza blockade 'collective punishment'
Egypt becoming departure country for migrants to Europe
Witnesses recount Istanbul attack
Car bomb kills 10 in Kurdish-held Syria town
Alstom-led consortium awarded $2.88 billion Dubai metro extension
Israel revokes controversial 'Hannibal Directive'
Detained Bahraini activist hospitalised
UN chief urges Netanyahu to make tough choices
Saudi Aramco, SABIC in joint petrochemicals study
Yemen clashes, air strikes kill 37 civilians
Egypt's anti-graft tsar becomes public enemy number one
Iraqis shun return to 'cursed' Fallujah
Lebanese army raids refugee camps after bombings
Ankara goes back on compensation offer for downed Russia jet
Iraq court deals blow to PM's cabinet reform efforts
UAE jails Emirati woman for spying for Hezbollah
Eight hurt in Turkey car bombing blamed on PKK
Iran hopes Saudi embassy attack trial will restore confidence
France charges Assad's uncle with graft
EgyptAir black box flight recorder 'repaired'
11 Kurdish rebels, 3 Revolutionary Guards killed in Iran
Egypt deports British-Lebanese TV show host
Turkey seeks to restore broken ties with Russia
Deadly bombings target Yemen troops in ex-Qaeda bastion
NGOs press EU leaders on Africa migrant plan
Jordanian intelligence officials sold weapons for Syria rebels on black market
On British-Irish border, Brexit breeds worries for future
New lawyers of Gaddafi son urge ICC to drop case
Bahrain jails 5 people on charges linked to 'terrorism'
Erdogan apologises to Putin over downing of Russia jet
Clashes continue at Al-Aqsa compound
Turkey allows German minister visit after air base row
UN chief tells Israelis, Palestinians 'stand firm against violence'
Brexit vote unlikely to curtail Gulf appetite for London property
Egypt cancels high school final exam after online leaks
One year on, Tunisia holds minute silence for beach massacre victims
5 killed in string of suicide bombings in Lebanon
Netanyahu lauds Israel's deal with Turkey
Dozens killed as clashes intensify in Yemen
Sarraj says only united military can defeat ISIS in Libya
Jordan court charges 21 people with 'terrorism'
Iraq forces take ISIS last positions in Fallujah


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Dacasso A3408 Chocolate Brown Leather Letter Holder
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Top Ci Story
Calypso's Chief Product Officer, Pedro Porfirio, and Chief Technology Officer, Tej Sidhu, discuss their ambitious plans to transform capital markets technology
Europe Tests London's Financial Hub Status by Targeting Clearing https://t.co/sPfmRJmlCB15 hours ago
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text:
My favorite YouTube comments for this video:
"Goddamnit Japan" and "my mind was raped"
Matt Parker is a "standup mathematician." In this entertaining video, he demonstrates a 1960s plastic toy that plays the game of Nim against a human opponent. Interestingly, Dr. Nim is an ingenious mechanism that uses plastic levers to control the number of marbles it chooses to drop. If you go first, Dr. Nim will always […]
"A Brief History of Video Game Controllers," starting with Tennis for Two (1958). My favorite is the pioneering Nintendo Power Glove (1989). (Super Deluxe)
See sample pages from this book at Wink. After Dinner Games: 40 of the Greatest After Dinner Games by Jenny Lynch (editor) Lagoon Books 1998, 96 pages, 4.8 x 6 x 0.5 inches $1-$8 Buy a copy on Amazon This pocket-sized book is for that time when things get awkward. That time when conversation has […]
If you've got a coding career on your mind, few programming disciplines will take you farther than a commanding knowledge of the Python language, which is not to be mistaken for parseltongue. Its versatility and ease of use make it a go-to for any coding project…so master Python now with this all-inclusive all-level python programming course […]
The realm of web development is constantly evolving. New platforms, languages, and processes materialize all the time, so staying on top of all that innovation is a tall order.Whether you're brushing up on new tricks, starting from scratch, or just looking to make your own website a little jazzier, Rob Percival's new Complete Web Developer Course 2.0 (now […]
Folks used to rely on alarms to protect their home – and before that, the family dog. Now, anyone looking to guard their homes can choose from some high-tech options, including the Amaryllo iCamPRO FHD Home Security Camera (now just $219 in the Boing Boing Store).In fact, this 2015 CES "Best of Innovation" award-winner boasts so many features, it's […]
My favorite YouTube comments for this video:
"Goddamnit Japan" and "my mind was raped"
I'm buying this when I get home. Art!
That is just too good…
I'm going to turn on my Wii and buy this right now. I've been waiting for it, for the sheer wtf factor.
It's great. Buy it. Only $5. Excellent.
Am I the only person who thinks this is just plain old homoerotic-looking?
Not that there's anything wrong with it.
So Funny! Buy it just to show your friends haha
I VERY rarely play games at all. I'm surprised I even looked at this trailer. After seeing this trailer, I WANT to get this game. It look fricken hilarious. Can I get this on a PC? Preferably a Mac?
So 4chan made a video game?
Nobody mentioned Cho eniki yet – wow!
I can't stop watching the trailer. It's mesmerizing.
this has /b/ tard written all over it.
It's amusing that because 4chan has developed some notoriety, the claim is that true 'net oddity must have shades of b/-ness.
Sadly, if it, infact, was a game for /btards, it would be profoundly racist and in no way homoerotic, but instead populated with nude, marker-scrawled teen girl bodies. LeVar Burton would be in there somewhere and the game's environ
ments would be detailed with poster images of shotgun suicide victims and disability-sex shots.
Also, did I mention profoundly racist?
This is so hilarious. I just had to have it. Lovin Rossi the polar bear!
Comments are closed.


text:
Dr Sandra Cabot MBBS, DRCOG
Dr Cabot is the Medical and Executive Director of the Australian National Health Advisory Service. She graduated with honours in Medicine and Surgery from the University of Adelaide in South Australia in 1975.
Dr Cabot began her medical career in 1980 as a GP Obstetrician-Gynaecologist and practised in Sydney Australia. During the mid 1980s she spent time working as a volunteer doctor at the Leyman hospital, which was the largest missionary hospital in Northern India.
Sandra is the author of the Liver Cleansing Diet - best selling non-fiction book of the 90's and still selling!
Dr Cabot is an experienced commercial pilot and flies herself to seminars throughout Australia, often visiting remote areas. Sandra and her Beechcraft Baron aircraft do regular work for the Angel Flight Charity, which provides free transport for patients with chronic and severe disabilities in remote Australian areas.
Dr Cabot has conducted health seminars all over the world and is frequently asked to lecture for numerous health organisations such as The American Liver Foundation and the Annual Hepatitis Symposium.
She still has an active medical practice and does research into liver diseases. Her unique online liver check up is free and available at www.liverdoctor.com
Dr Cabot believes that the most important health issues for people today are –
*The control of obesity and the prevention of diabetes
*Educating our children about self esteem, good diet and healthy lifestyle
*Making hormone replacement therapy safe and as natural as possible
*The use of specific nutritional supplements to treat and prevent diseases
*Educating doctors and naturopaths so that they can work together using evidence based holistic medicine to achieve the best outcomes for patients
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A supportive and well educated community where people have the confidence and knowledge to find the best health care
Magnesium the Miracle Mineralby Sandra Cabot
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Magnesium is a mineral that can make a huge difference to your health and yet many people, even in the developed world, have inadequate magnesium levels in their body. This book looks at the many different and
- LendMe LendMe™ Learn More
This book looks at many different and common health problems that can surprisingly be relieved by simple and safe supplementation with magnesium.
Magnesium is a mineral that can make a huge difference to your health and yet many people, even in the developed world, have inadequate magnesium levels in their body. This book looks at the many different and common problems that can surprisingly be relieved by simple and safe supplementation with magnesium.
Magnesium gives elite athletes the winning edge they would otherwise never achieve, enabling them to conquer world championships.
Magnesium can calm irritable children and balance your nervous system naturally - that's why I call magnesium "THE GREAT RELAXER".
Magnesium can be life saving, as it is known to reduce the risk of sudden death from cardiac castasrophes - this is particularly important for men under stress.
Make sure you are not deficient in magnesium and you may just change your life - yes it's really true - you won't believe the difference magnesium can make to your health!
Product Details
- 2940012777379
- Publisher:
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- Publication date:
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Meet the Author
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text:
Lyrics Depot is your source of lyrics to Belladonna by UFO. Please check back for more UFO lyrics.
Belladonna Lyrics
Artist: UFO
Album: No Heavy Petting
Oh Belladonna, never knew the pain
Maybe I'm crazy, maybe it'll drive me insane
The open letter just carelessly placed
And your moving silence,
the tea so delicately laced
* Out of reach, out of touch
How you've learned to hate so much
Out of reach, out of touch
How you've learned to hate so much
Came from passion, and you gave it a name
The fingers of poison like needles in the drivin' rain
So smile discreetly as you watch with such grace
Now I must slip away, but can you forget my face
* Repeat
* Repeat
UFO Lyrics
UFO No Heavy Petting Lyrics
More UFO Music Lyrics:
UFO - (A) Fool In Love Lyrics
UFO - Come Away Melinda Lyrics
UFO - Cowboy Joe Lyrics
UFO - Gone In The Night Lyrics
UFO - Swallow Lyrics
UFO - (The) Way The Wild Wind Blows Lyrics
UFO - Wreckless Lyrics


text:
When Oklahoma State puts on its spring game this weekend, there will be plenty of recruits on hand. But an interesting development could take place at the quarterback position, as three of the West's top signal-callers will be on unofficial visits to Stillwater.
Pac-12 recruiting roundup
837dKevin Gemmell
Cameron Smith slows down process
837dBlair Angulo
Pylon Elite West Coast Regional notebook
837dErik McKinney
Meet No. 4 WR Christian Kirk
840dErik McKinney
Winning the West means plenty in 2015
841dErik McKinney
Jaylinn Hawkins working for Trojans offer
841dBlair Angulo
Early Offer: Texas Tech springs surprise
842dESPN.com staff
Meet USC QB commit Ricky Town
842dErik McKinney
Trojans have QB, recruiter in Ricky Town
842dBlair Angulo
Broadus changes location, not plans
842dBlair Angulo
Highlights from the L.A. NFTC
844dCraig Haubert
Notes: USC target Lucier-South zones in
844dBlair Angulo
Early Offer: The unstoppable Irwin
844dJeremy Crabtree
Four earn Opening invites at L.A. NFTC
844dErik McKinney
USC prospects shine at L.A. NFTC
845dGarry Paskwietz


text:
Creative Labs ZiiSound D5 Bluetooth SoundBar
Final Thoughts
Today we have seen something great in terms of innovation and the reinvention of a technology thought to be all but lost in the fog. Let's face it; Bluetooth has a pretty ordinary track record to date.
Not to be discouraged, though. Creative Labs have totally changed the public face of Bluetooth with the use of the Apt-X codec. Make no mistake, this is a hi-fi level codec and sounds fantastic. Build and construction quality is really impressive also and has shades of true hi-fi level equipment. The package is pretty slim in terms of extras, but beautifully printed and designed.
Overall sound quality was not perfect, though; this due to inherent low and high frequency limitations caused by the use of full range drivers. True high and low frequency extension is not possible with the ZiiSound D5.
However, it did perform wonderfully in terms of mid range tonality, musicality and timbre with some test music sounding as good, if not better than ever heard by us before. Make no mistake; the D5 is one of the most musical pieces of audio equipment we have used period.
So now we know the pros and cons associated with the ZiiSound D5. Is it worth $370AU? - Yes, we think it is! Bottom line; you will struggle to find anything on the market now offering such a comprehensive amount of technology, usability and musicality for that price.
There are other options out there that offer similar/better sound quality, but the drawback is that you don't get Bluetooth with that all important Apt-X codec.
We think that the D5 is shaping up as one of the most potent and influential 'must have's' of 2010, which will send many a ripple through the SoundBar market as word begins to spread following a mid month Australian release.
PRICING: You can find products similar to this one for sale below.
United States: Find other tech and computer products like this over at Amazon's website.
United Kingdom: Find other tech and computer products like this over at Amazon UK's website.
Canada: Find other tech and computer products like this over at Amazon Canada's website.
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Bill Rancic Defends His Wife Giuliana After Fashion Police Controversy: 'I Tried to Get Them to Release the Footage' 42 years, 2,191 covers and 55,436 stories from PEOPLE magazine's history for you to enjoy
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People Top 5
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- May 10, 1982
- Vol. 17
- No. 18
Amid Hugs and Tears, TV's 'Barney Miller' Heads for Its Final Lock-Up—and Reruns
If it hadn't been for a misunderstanding between Barney's producer, Danny Arnold, and ABC execs, the show might have gone on. Arnold, 57, made Barney Miller his obsession since the show's first days as a midseason replacement in 1975. Virtually living on the set, he brought the series into the Top 15, spun oft Fish with the late Abe Vigoda, and saw Barney win Emmys for writing and direction. But this year, as ratings dropped, ABC stalled on Arnold's request to raise the sitcom's budget above $500,000 per episode—perhaps in part to expand its lucrative syndication. So Arnold announced plans to disband the 12th Precinct, criticizing the network. "They've acted petulantly and disrespectfully," he says. "They've treated us all as social lepers." An ABC spokesman diplomatically says the network is "sorry to see the show go." But some cast members found reason for cheer. Says Ron (Officer Carl Levitt) Carey: "When I die and God asks, 'What did you do in this life?' I'll say, 'Barney Miller,' and maybe He'll say, 'Okay, come on in.' "
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text:
During the great California gold rush, early prospectors sifted through rocks and streams in the hopes of finding a fortune. But bigger hauls were often claimed by going below the surface and digging deeply into mines, where a treasure trove of gold lay waiting to be unearthed. The gold rush may be ancient history, but there's still potential treasure to be tapped--and crises that can be prevented too-by companies that are willing to delve deep into their dark data.
Jan 11, 2008
Thomson Scientific, part of The Thomson Corporation and provider of information solutions to the worldwide research and business communities, announced the launch of its Citation Impact Forum, an online forum promoting scholarly discussion about all facets of citation-based research evaluation--from Thomson Scientific's own Journal Impact Factor to emerging citation metrics, such as the h-index.
The Citation Impact Forum will feature interviews with and commentary from industry leaders--bibliometricians, researchers, and publishers--about scholarly evaluation. By becoming a registered member of the Forum, users have the added ability to join invitation only forums where they can participate in discussions by sharing their own thoughts with other members. Registered members can also recommend future Forum discussion topics. Thomson Scientific will also use the Forum to address--or to clarify--inaccuracies and common misinterpretations circulating among the scientific community, printed in journals, blogs, and other forums.


text:
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Environment Southland will tomorrow release findings of its audit of it compliance divisions processes tomorrow.
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- The Southland Times
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Southland man realises environmental dream after a brain haemorrhage
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Waiau Star pip Mataura in Southland's division two competition
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So I seen the post about the shower being full and thought that I could help jaderaven by helping us leftovers. I would really like to participate also, and so I thought if you want to do it reply here and we can be partnered up.
people who don't have a shower partner
Posted 10/26/2012
This sound so fun but I can't even afford things for my own babies! :( I can do handmade!
Sophia Ann & Lillian Mae 1-29-13
Posted 10/26/2012
I want to get in on it!!!
Vanessa (26) + Jeff (26)
Brayden Thomas (5)
Jayson Ryan born 2/19/2013 ❤ /
Posted 10/26/2012
I'd like to join if it isn't too late!(:
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Look how far your child has come.
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text:
BOOKS: Moffatt, Fawcett, Dawes and Livesey..by Mick Ryan - UKClimbing.com Oct/2008
This news story has been read 27,875 times
With my friend and climbing partner, Greg Rimmer, we enjoyed the films but even better was rubbing shoulders with all our climbing heros in the bar; characters that we had read about in CRAGS and MOUNTAIN magazine: Ron Fawcett, Pete Livesey, Steve Bancroft, Paul Nunn, John Sheard, Chris Gibb, John Allen, Pete Crew, Geoff Birtles, Tim Lewis, Al Evans, Dave Knighton, Al Rouse, Ken Wilson, Bernard Newman.....
These were some of the climbers that defined our early climbing experience just like Chris Sharma, Dave MacLeod, and Steve McClure do for many young climbers today.
The 1980's saw a new boy on the block, Jerry Moffatt......I can see the CRAG magazine headlines now, Strawberries Repeated....17 year old Jerry Moffatt has repeated Strawberries, the first route to be graded 7a........Obviously his name is worth watching out for..., and he was, even today Jerry Moffatt is a cult figure among many young climbers. Not just for his ascents of Master's Wall and Liquid Amber, but more so for his devotion and obsession to bouldering and training, and pushing forward world climbing standards like his contempories, Ben Moon and Wolfgang Gullich.
Then there was Dawes who heralded a new paradigm on slate, grit, quartzite and mountain rhyolite: The Quarrryman, End of The Affair, Gaia, Conan The Librarian and of course Indian Face.
If you were active in the the Eighties and a little before there are four biographies being published in the next year that are going to be essential reading. Johnny Dawes is holed up in his garret in North Wales busy on his autobiography, Robert Seymour is working on a biography of Pete Livesey.
But first up is Jerry Moffatt. Sheffield based publisher Vertebrate Publishing have announced that, Moffatt's biography provisionally titled, 'The Ace: 20 years on top of the pack' will be available January 2009.
Vertebrate Publishing have sent us an short excerpt and a press release. And following the Moffatt book, being ghost written by Niall Grimes, Colin Wells is working on a biography of the other Master of Rock, Ron Fawcett.
UKCLIMBING.COM PREVIEW:Jerry Moffatt's Biography....and Ron Fawcett's which includes How Jeremy Moffatt became Jerry Moffat.
I'm looking forward to all four of these books, and I'm sure I'm not alone.
Dave MacLeod has made the third ascent of Dave Birkett's Return of the King E9 6c on Scafell in the Lake District. Adam... Read more
Four athletes from the GB Paraclimbing Team won medals in the IFSC World Paraclimbing Cup in Campitello di Fassa, Italy last... Read more
Canadian climber Sonnie Trotter and Will Stanhope made the first free one-push ascent of the Ewbank Route on the Totem Pole,... Read more


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I certainly would choose your company when I want to purchase furniture again.
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Store Reply - We are glad to see you were happy with that American Drew table set. We apologize for the mfg. delay. Most deliveries happen in 4-8 weeks but from time to time, it does take longer but we will always keep you updated with the status of the order via emails. Thank you again for your business."
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Overall, I am satisfied with the service, product, and prices from furniture"
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Linda Cunningham - Georgia
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L. K. Cook - Indiana
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*** Store Reply: We are very sorry for the problem. The wrong color is completly our fault. I am glad we were able to speak on the phone and resolve the problem. The arm rest covers are being sent out to you via Fedex at no charge.(Arm rest covers are no longer included from the mfg.).
Customer: This is in addition to my previous feedback. I talked to Fritz Smith about the problem and I was very pleased with the way he handled the issue. I think you are very lucky to have Mr. Smith working for you."
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We'll certainly be back for our next furniture purchase."
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Mike - NC
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I got the Forsyth bedroom set by Vaughan Bassett
Great service, delivery people were nice, neat and quick.
I'm very happy with my furniture."
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The delivery service was great. The gentlemen worked professionally and courteously. The put the furniture exactly where I wanted it and cleaned up the entire packing of the furniture.
I would highly recommend this company to anyone who like good furniture (Broyhill) and courteous service.
I give the comp"
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wanda magana - California
"I purchased the Monte Carlo II Silver pearl Queen bed two side tables and a dresser. However it did not come with the metal canopy pictured with the bed. I believe it should have been included...
***** Store Reply *****
We apologize for the mix-up. We had left the canopy off the order on accident. It has been ordered and will be delivered as quickly as possible. Per your request, we will deliver it with your new order."
Joseph M Spiteri - Illinois
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News Details
Hamilton sees Germany as 'fresh start'
– Lewis Hamilton says he is viewing the German Grand Prix as a "fresh start" to his championship challenge.The Mercedes driver slashed team-mate Nico Rosberg's advantage from 29 points to four by claiming victory at Silverstone last time out, benefitting from the German's terminal gearbox issue after two retirements of his own.And with this weekend's race marking the season's midway point, Hamilton has his sights set on a smoother run."I feel like I've been on the back foot all year, only briefly leading the championship despite taking the wins I've had, so to have got myself just about level was exactly what I needed," explained the 2008 Hockenheim...
Full Story »
Full Story »
1y ago from GPUpdate.net 0
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Spotted: Arsenal shot-stopper Petr Cech snapped...
ARSENAL ace Petr Cech has been enjoying a day out at Wimbledon.
4h ago from Express.co.uk
Will Wilshere turn up for Arsenal this season, after...
Roy Hodgson's England huffed and puffed till the round of 16 at Euro...
50m ago from ArsenalFever.com
Hottest News
Mercedes F1 tyre pressure trick revealed
A trick employed by Mercedes to counter Pirelli's... Read More »
11h ago from ThisIsF1.com
Mercedes devious tyre pressure trick revealed
A trick employed by Mercedes to counter Pirelli's... Read More »
9h ago from GrandPrix247.com
Kvyat breaks silence as Red Bull eyes future
Daniil Kvyat has finally broken his long Twitter... Read More »
11h ago from ThisIsF1.com
Recent News
Hamilton says Rosberg relationship 'good'
10m ago from ThisIsF1.com
FBC Track Talk: Austrian GP
1h ago from Formula1Blog.com