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Podcast: Spending Independently As a Couple
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[Host] Hey everybody! Welcome to Money Talk, the podcast series that helps you manage your money—and improve your financial well-being! This week we spoke with Len Penzo, blogger at LenPenzo.com, where he writes about everything from improving your credit score to why Miracle Whip has no business on a tuna sandwich. As a married man for 17 years and counting, Len shares his advice on how to determine if you and your significant other are financially compatible—and if not, how to manage your money independently as a couple.
Here's our conversation with Len. Enjoy!
So Len, when it comes to finances, how early in the relationship should you broach the subject?
[Len Penzo] You know, I'm not saying the first date, but you really should be looking at something like that by the third or fourth date. You should kind of start, well, for lack of a better term, feeling out the other person for where they stand financially.
[Host] Sure. So if you're talking about finances that early on, what kinds of conversations could you kick off with?
[Penzo] Probably the first thing is their financial past, right? Have they had any bankruptcies? Have they ever been into trouble or been in too much debt? And you know, you don't just hit them over the head with a question like that, but you kind of ease into it. You try to ferret out exactly what kind of trouble they've been in, in the past because that's very important.
[Host] How about when the relationship starts getting serious? Are there bigger questions you should start asking each other?
[Penzo] You can get into things like prenup, financial goals. Are you interested in early retirement? Do you want to rent or own your own home? And maybe the very most important financial question you probably want to talk to the person you're dating about is kids. Because kids, I mean let's face it, that is the biggest expense probably—next to maybe the house depending on where you live—that you're going to have as a married couple.
[Host] It sounds like what you're really trying to figure out in these conversations is whether or not you're financially compatible. Can you give me an example of a couple whose financial styles might not work so well together?
[Penzo] Well the obvious example and it's the biggest example, and it's probably the most apropos example, obviously, is if one person's a big spender and one person's the saver. And I think that's where you've got to keep things separate, because if not, you're going to run into some really big problems.
[Host] For couples who do decide to keep their finances separate, how do you handle joint expenses like bills or the mortgage, that kind of thing?
[Penzo] You know something I see a lot, it's basically where the spouses, you know, you'll have one spouse responsible for a different set of costs. You know, for example, you might have one spouse pays the groceries and the other spouse pays the mortgage. So you can break things up that way. Maybe car payments. You know, you have his and her cars. You have one spouse paying for their car and you have the other spouse paying for their car. So that's how you would divide that up.
[Host] Sure. And if you divide up responsibilities like that, is it just a 50/50 split, or should income play a roll in how much each person takes on?
[Penzo] That's really up to the couple, right? So, it's really complicated. There's no set answer for that. You know, you can decide to go 50/50. You can decide to split it up in proportion to each other's income. There's lots of ways to go about doing that. But it's really a personal preference.
[Host] Are there any pitfalls to watch out for if you decide to keep separate accounts?
[Penzo] I've been married 17 years and during that time, all of the new cars we got, they went to my wife. And there was a reason for that. But still, you know, you have to fight that urge within you to say, you know, "Gee honey, you've gotten all the new stuff and now it's my turn." You know, I'm owed something. When you start trying to keep things even then you might start getting into a race where you start spending uncontrollably. You're a marriage, you're a team, and you can't look at things as hers or mine.
[Host] Definitely. So if a couple decides to keep their finances separate, do you have any advice for what they can do to keep each other in the loop about what they're spending and saving?
[Penzo] You've got to consider things like meeting monthly to discuss and update each other on the finances and what you've covered—are you falling behind on the bills?—stuff like that. But then once a year you want to meet—and me and my wife do this and everybody should do this—on more of a strategic level. So the monthly meetings are at a tactical level, but the long term is for strategic. So what you're doing basically is you're discussing more of the long-term issues. So me and my wife will meet say, once a year and go, okay, let's look at the big picture here. What are our vacation plans? Do we have any home renovations that we want to do? Is it time for braces yet for the kids? How much are all those big-ticket items going to cost and how are we going to save for that?
[Host] I like the idea of making those touch-base meetings part of the routine. Are there any other strategies that work well?
[Penzo] I'll just give you the recipe that me and the wife have used and it's been very successful and is something I preach a lot and that's running your household like a business. And how you do that is we break up the tasks into two tasks: So I'm the household CEO and the wife is the household CFO. And remember when I was talking back about the strategic and the tactical planning—the long-term and the shorter-term planning—basically as the household CFO, my wife is responsible for paying the bills and she does the short-term planning and she lets me know when we're having issues financial. Where we might say uh-oh, you know, this is a bill that's popped up and we have to pull money from savings. So she does the short-term stuff and then I'm the household CEO, so I do the long-term planning, the strategic planning. And that seems to have worked out really well over the years and I strongly, strongly recommend people do something like that. I think it really helps you manage your finances over the long term and I think gives you a great recipe for success.
[Host] That's our talk with Len Pezo—thanks for tuning in! Check out more Money Talk podcasts to get personal financial advice you can use to get organized, make a plan and stay on track to a bright financial future.
Here's the podcast. Enjoy!
[brief music transition]
[Host] Okay, Cat: I don't know much about babies, but I do know they're expensive. When did you decide to start saving for your twins?
[Cat Alford] I am a huge planner so I actually started saving for them before I was even pregnant. As soon as we started trying to have a baby, I had a baby fund going.
[Host] That's smart. So did you just start funneling more money into your regular savings account, or did you separate that out somehow?
[Alford] Actually I started a separate, high-yield savings account that allowed me to put the title of 'Baby' on it, so I definitely knew what the savings was going towards the whole time."
[Host] Did you find that helped keep you motivated, seeing the name of your goal on the account and watching your balance grow?
[Alford] Oh absolutely. I learned a long time ago that I have to have labels on my savings accounts. And it really helps you to not spend it. If you need to go get money out of your savings, you're more likely to pull it out of a fund that says "general savings" or "emergency," but when it says "baby" on it, you're way less likely to take it out, so that was a huge motivator.
[Host] Yeah, that makes a lot of sense. So where did you look for advice on how much you would need to save?
[Alford] You know, I asked just about everyone I could think of how much money I had to have for a baby. I asked my parents and my mom said, "You'll never have enough," and I asked my blog friends and they said, "Babies don't need that much. It doesn't really cost a lot to have kids," so I found all of these varying responses, but no one could give me a cold, hard number so I just thought of a few different things—health insurance, nursery costs and things like that—and came up with the $10,000 number sort of arbitrarily.
[Host] So did you calculate what you thought you'd need for one baby and then when you found out you were expecting twins, just double it?
[Alford] Well at the time when I decided on $10,000 I didn't realize I was having twins, so I'm glad I picked a high number. I was just thinking my out of pocket max for health insurance was $2,000 and I just figured it would be a couple hundred dollars for startup costs and diapers and cribs and things like that and I just wanted to have a lot of extra padding and I figured if anything was left over, I could start a college fund with it.
[Host] And once you decided on that $10,000 goal, did you change anything about your lifestyle or approach to savings to make sure you could hit that target?
[Alford] Well I think one of the best things about my situation at the time was that I was working full-time, but I was also building my online business, which I had been working on for two years and it was at that sort of critical point where my online business was just starting to make more money than my 9-to-5 job. So for about six to seven months I had double the income and every extra check, every extra PayPal invoice I kept putting in the baby fund.
[Host] Did you make any lifestyle changes on top of that?
[Alford] We made more meals at home and I even scaled back my student loan payments. I was paying about $1,000 a month toward my student loans and I dropped it down to the minimum payment of $200 just in case, to have a lot of extra padding.
[Host] How about over the long-term? Will your savings strategy change after the babies are born?
[Alford] Right, well I think they'll just get their own category in the budget. Right now they have a $200 category, so I'll just kind of see how much they cost! I mean, I really don't know; we're first-time parents.
[Host] What about tips for cutting back on expenses during your pregnancy? Are there any strategies you're using to cut back on what you need?
[Alford] I was so surprised at how expensive maternity clothes are. I really had no idea. I just sort of naively thought I'd just wear my clothes for a while and then maybe get a few things but it's sort of like when you get married, everything that says "wedding" on it is so much more expensive and I found that to be true with maternity clothes. I got a lot of my maternity clothes secondhand from friends.
[Host] Having a baby—especially if it's your first—is really exciting and it can be tempting to spend a lot of money on getting all the best gear. Any tips for keeping your spending in check?
[Alford] Sure, yeah, and that's so true. I think I definitely just wanted to get my kids the best of everything. I wear so much used stuff myself, but for some reason when it came to them I was really tempted to get them everything new, but I just realized that babies don't need fancy things.
I would just say pick your category. If you really want the nice crib, go for the nice crib. If you really want the nice monitor, go for that. I would just pick one thing to splurge on and everything else—they really don't need that fancy of things.
[Host] Is there anything you know now that you wish you'd known when you first started saving to have kids?
[Alford] When you want to have kids, you sort of have to prepare for the unexpected. You never know if you'll have health problems, if you'll need extra care, if your children will need extra care when they come, so it's always good to have an emergency fund going concurrently with your baby fund. And hopefully everything works out fine—most of the time it does—but on the off-chance you're someone like me and get a little extra baby surprise or something like that, it's good to prepare for those moments just in case.
[Host] That's our conversation with Cat Alford! Check out more Money Talk podcasts for financial tips you can use to get organized, make a plan and stay on track to a bright financial future.
[host] Never has the concept of the American family been as wide-ranging as it is now, and one significant cultural shift taking place is the trend toward dual-income families.
The number of dual-income households increased 31 percent between 1996 and 2006. Now, 59 percent of married couples with children are in homes where both parents work. Yet, the urge to raise and spend more time with kids is still a draw for many. The number of stay-at-home moms increased from 23 percent in 1999 to 29 percent in 2012. Part of that change is due to a tough economy and a shift in demographics.
Peter Bowman, a litigation attorney for Pavano & van der Werff in Windsor, Conn., says he and his family are working to become a single-income household. They're doing so gradually. For more than two years, Bowman's wife has transitioned from being a full-time nurse to working 25 hours a week. She now works around 12 hours a week—and some weeks, not at all.
[Peter Bowman] My wife's ability to fully transition out of full-time work was beneficial to us, because we were able to do this over a period of time as opposed to one fell swoop.
[host] This period served a dual purpose: It allowed his family to slowly adjust to a lower income, and it gave Bowman time to advance his career—and grow his personal income. According to Bowman, this approach made the process more manageable.
Likewise, Rob Baugher's family went about the transition slowly. They tested the waters by setting aside his wife's entire income for six months. They committed to not spending her salary at all during that time.
[Rob Baugher] We really wanted to experiment to see if we could do that.
[host] For the six-month test period, Baugher and his wife calculated the net loss of shifting to one income. That meant subtracting the lost income, but also subtracting the work-related expenses they'd no longer have to pay, such as travel expenses, buying business attire, getting coffee and spending money on work parties. During this trial period, Baugher's family had an epiphany:
[Rob Baugher] It didn't affect our overall lifestyle at all, which was really nice. It was very surprising.
[host] According to Bowman, you need to start with a budget. Then, ask yourselves: Are we realistically able to do this?
[Peter Bowman] They have some good online tools to set a budget. But I think it's also about sitting down and communicating spouse to spouse about what financial expenditures you're going to have in the future, what are we going to have on a regular basis, are there any ways to reduce those expenses. When you sit down and do that, this might be the perfect time to do it, or you may say, "I won't be able to do it until one year or two years from now."
[host] By cutting back on what Bowman calls the classic expenses—bringing his own lunch instead of going out to eat, more date nights at home than going out, not taking extravagant vacations—the single income became not just doable, but completely manageable.
Another focal point for both families was keeping debt down. There were times where Baugher thought about, say, purchasing a new tool for his remodeling business, but realized that would put undue strain on his family's finances. Here, Baugher discusses his approach when unforeseen events did cause the family to take on debt.
[Rob Baugher] "We basically decided together that one of the best things we could do is to get the debt under control and eliminate it."
[host] If they got a larger lump sum of money than his regular income, that went toward the debt and they also began making double the minimum payments. Those concentrated efforts ended up eliminating their debt several years ahead of schedule.
Ultimately, both families learned that there isn't a magic formula for becoming a single-income household. Instead, it required a mix of good communication, smart budgeting and a common-sense plan to make it happen. Here's Bowman:
[Peter Bowman] I think people often forget about this sound financial advice that some great people have been giving us for a long time, and they look for that quick fix. Ultimately, I think it's hard work, setting a plan, sticking to it, and just being aware of your expenses enables you to pull something like this off.
[host] After three days of admiring Barcelona's architecture, you're headed to the beaches along Italy's Eastern coast—all part of a three-week European tour. You're 47 years old, but this is no vacation—it's retirement.
This may sound like a dream. But if you're willing to do what it takes, it may be possible to retire earlier than your peers.
The first step is to begin investing as early as possible to realize the maximum benefit of compound interest. For example, if you start investing $5,000 a year at age 22, you'll end up with more than double the amount of money compared to someone who starts investing at age 32. In other words, the earlier you start, the more money you'll earn over time. But if your goal is to retire young, you'll need to sock away more than $5,000 every year.
According to Simon Moore, Chief Investment Officer at FutureAdvisor, an investment advisory firm based in San Francisco, you should funnel up to one-third of your income into a brokerage or tax-advantaged account such as a 401(k). Setting up an automatic transfer for 33 percent of your salary into your brokerage account and other savings vehicles can help you avoid the temptation to spend those funds elsewhere.
Moore has three tips for constructing a portfolio that could put you on a path to early retirement.
First, find investments with low fees.
[Simon Moore] There have been countless academic studies on this topic, and universally, they point to the fact that the more you pay in fees, you do not necessarily get better performance for that money.
[host] According to Moore, investments with low fees perform better because more money will be compounded—creating greater returns over time.
Second, have a high weight toward equities in your portfolio.
[Simon Moore] Going back over a century, it's returned an average of about 6 percent per year. It's what we call equities, or stocks or shares. That investment—the S&P 500, the Dow Jones—those investments in companies over the long run, even though you can see some very bad years, over the long run, and with retirement investing you have a long-term time horizon, that's the asset class that really tends to give you the best return.
[host] And finally: diversify, diversify, diversify.
[Simon Moore] There's always investments going up, investments going down. So if you can have a broad and diversified exposure with your investments, then the chances of any one thing going wrong is not going to blow up your portfolio.
[host] Moore recommends diversifying at the country level and according to asset class, which means going beyond just stocks to include investments like bonds and real estate. The more diverse the mix, the better.
At 27, Austin Netzley retired from his job as an engineer in the oil industry. He says creating passive forms of income put him on that path to early retirement. Yet, his vision of retirement still involves working—now it's just on his terms. Netzley earns money from an automated stock-trading company he started in addition to YoPro Wealth, a podcast where he interviews successful business figures about the keys to financial wealth building.
Here's his three-step approach for creating passive income. First, identify someone whose success you admire; someone who lives the life you want. Second, decide what kind of lifestyle you want—maybe it's the same, maybe it's a little different than this person. Third, seek out jobs for which you can apply your passions that do not require you to trade time for money. Find ways to do work once and get paid for that over and over again.
[Austin Netzley] Passive income is basically income that you get while you're not necessarily there. You can either put your money to work for you with some type of investment or you can do a lot of work upfront and stop doing work and continue to get paid for that over time, like with a song or with a book or an online course of some sort.
[host] When people would ask, what job do you have? Netzley's dream answer was "financial planner who had his own business"; this is whom he envied. Identifying that person was the first step. The second was figuring out that he wanted to have the freedom to work from anywhere, and travel the world. With those two steps down, he knew that if he created an online financial planning business where he could do work from basically anywhere, it would give him the freedom to travel. It would also allow him to work for himself. So he did just that while he was still working in the oil industry. Thanks to setting up passive income according to his lifestyle, Netzley is now amidst an on-and-off again seven-month worldwide excursion.
One final consideration: Moore and Netzley both recommend not approaching retirement as a matter of never working again. If the only goal is to get out of a job as quickly as possible, then that's indicative of a problem. Instead, find work that gives you satisfaction and meaning. That means thinking about retirement as a form of financial independence or security and not as a matter of not working.
What this all boils down to is that an early retirement starts with early planning. So if you're willing to make some sacrifices in the short term, engage in aggressive investing and establish passive forms of income, you could put that early retirement—filled with doing the things you love—within reach.
Money put toward a college degree has about a 15% annualized return on investment over a graduate's career—much higher than the typical return for stocks or bonds.
But a college degree may come with a hefty price tag.
Student loans are the second largest form of consumer debt, behind only mortgages.
To minimize your debt, do your homework. You might find other types of financial aid to bankroll your studies. For every 10 of your classmates, 7 receive some form of financial aid, including student loans, grants and work-study.
10,000 dollars could go a long way toward paying for your college education. And the sources of aid are endless.
Grants are free money, so you don't need to pay them back. They are usually awarded based on financial need.
Scholarships are also free money, usually awarded based on academic merit. The number of freshmen getting merit aid depends on the institution and yearly tuition and fees can vary widely.
What matters most, is how much you'll still need to cover after your scholarship money is applied.
With work-study, you'll take on a part-time job, and your earnings will go toward your college tuition.
Even if you receive financial aid, smart budgeting during your college years can help you graduate one step ahead.
SunTrust has tools and services to help clients get organized, make a plan, and stay on track, so they can stay in control of their finances.
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to alleviate {Verb}
erleichtern · lindern · mildern · entschärfen · abschwächen
Englisch-Deutsch Übersetzung für "to alleviate"
"to alleviate" Deutsch Übersetzung
to alleviate {Verb}
to alleviate [alleviated|alleviated] {Vb.} (auch: to ease, to unburden)
I should like to call on the Indian authorities to alleviate this situation and to make it easier for foreign investors to enter the Indian market.
"The Security Council supports the efforts of the civil society and the churches to alleviate the humanitarian situation and to facilitate national reconciliation.
Whatever we can do to alleviate these situations, we ought to do and this regulation brought forward on a French initiative is the way forward.
We need also to take steps in our own countries to alleviate the situation, for example through generous visa policies and a commitment not to introduce trade restrictions.
to alleviate [alleviated|alleviated] {Vb.} (auch: to relieve, to subdue, to soothe, to allay)
We should be spending more to alleviate this crisis rather than contemplating spending less.
Migrants help to alleviate the poverty in their native country, at least in the short term
2 It is intended to alleviate the causes of poverty, need and violence and their consequences.
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to alleviate [alleviated|alleviated] {Vb.} (auch: to relieve, to soothe, to allay, to abate)
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I should like to call on the Indian authorities to alleviate this situation and to make it easier for foreign investors to enter the Indian market.
to alleviate [alleviated|alleviated] (disaster, crisis) {tr.V.} (auch: to dilute, to blunt, to control, to make less steep)
Therefore, I believe that Latvian membership of NATO would not aggravate this problem but would alleviate it.
And to make it worse, beef and veal, which could partially alleviate the problem, are not included among European premiums that do not cover calves.
to alleviate [alleviated|alleviated] {tr.V.} (auch: to mitigate, to dilute, to qualify)
Synonyme (Englisch) für "alleviate":
© Princeton Universityrelieve · palliate · assuage · facilitate · ease
Ähnliche Übersetzungen
Ähnliche Übersetzungen für "to alleviate" auf Deutsch
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This goes at least some way towards alleviating your concerns, Mrs Peijs.
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I welcome the small steps that have been taken to alleviate the situation.
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This should go a long way towards alleviating those concerns.
If these problems are alleviated, racism will also be curbed.
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The social consequences of restructuring must therefore be alleviated.
Let me set out for honourable Members what we are doing to alleviate the present crisis.
These include possible measures for alleviating the weaknesses that have been exposed by the recent turbulences.
Furthermore, we must lay down accompanying socio-economic measures in order to alleviate their possible consequences.
The action taken by the public authorities to alleviate this slump in investment has not been sufficiently effective.
To try to alleviate the situation so that this would not happen to any great extent, we have added this ECU 560m.
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alleluia · Allen · allergen · allergenic · allergens · allergic · allergies · allergist · allergology · allergy · alleviate · alleviated · alleviates · alleviating · alleviation · alleviative · alleviator · alleviatory · alley · alleys · alleyway
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The Catholic Bishops launch their "Fortnight for Freedom" today. Seven soldiers face administrative punishments for burning Qurans. Jury is deadlocked after 12 days in the trial of Philly Monsignor William Lynn. Mormons live longer than the rest of us.


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Request management and building quotes is easy with iLab. Our system was developed to make the entire request process — from requesting a service or project to agreeing on a quote, tracking request progress, and uploading data and reports — streamlined and straightforward.
The iLab core facility management system allow you to:
- Create forms to gather vital information about the project
- Require a quote and approval prior to the start of work
- Bill for individual samples processed or individual services before entire project is complete
- Easily track hours spent on projects
- Charge back for ad hoc expenses (e.g. consumables, pass-through charges)
- Generate project plans, share data, update project status, and communicate with customers within the system


text:
Police seek help in theft case
MARQUETTE – The Marquette County Sheriff's Office is asking the public's help in identifying anyone who may have witnessed a recent purse theft from a shopping cart in the Walmart parking lot in Marquette Township.
Police said the incident occurred at about 4:30 p.m. last Wednesday. Deputies said the purse contained a substantial amount of cash and was inadvertently left in a shopping cart at the Walmart parking lot.
Police said a lighter colored Chevrolet Impala missing a front left wheel cover parked next to the cart where the purse was left, and was later captured on video surveillance at the Target store where it stopped for a few seconds next to a shopping cart then left the parking lot, police said.
The purse was later found in that shopping cart by a Target employee in the parking lot and the cash was missing.
Anyone who may have witnessed the incident or has information on the whereabouts of the vehicle is asked to call the sheriff's office at 225-8434 or the sheriff's tip line at 225-8441.


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HealthTech NextGen Conference 2014
Exponential Inc. / DatumFora
Wednesday, October 22, 2014 at 8:30 AM - Thursday, October 23, 2014 at 4:00 PM (PDT)
Who's Going
San Francisco, California
London, United Kingdom
Florence, Italy
Event Details
HealthTech NextGen
Health Tech:Next Generation will host HealthTech Conference and Expo bringing together leaders & professionals in Healthcare & Information Technology under one roof. It will showcase up-and-coming strategies and technologies to tackle today's healthcare delivery obstacles, shape and advance the healthcare industry forward into tomorrow's paradigm of patient controlled environments.
We are fast approaching a data-structured healthcare environment. However, actionable intelligence supporting a hig-performance healthcare organization has been difficult to achieve. The 2014 HealthTech NextGen will be an exhibition of the leading deployments of analytical power in the world. Conference will present a series of interactive panels and case studies on best practices for integrating different systems, and transforming data into healthcare intelligence that providers and patients can act upon.
What are my transport/parking options getting to the event?
Please check with the venue.
What can/can't I bring to the event?
Your desire to Network, Collaborate and Learn.
What is the refund policy?
Tickets are refundable 10 days in advanced with a 15% cancellation fee.
When & Where
Santa Clara Marriott
2700 Mission College Ave
Santa Clara,
Wednesday, October 22, 2014 at 8:30 AM - Thursday, October 23, 2014 at 4:00 PM (PDT)
Add to my calendar


text:
On the $100 bill
Edit: Parts of this post are meaningfully incorrect. Specifically, the Fed prints on the order of 100s of billions (not 100s of millions). Will be updated soon.
typo loosing -> losing. (feel free to delete this comment after fixing)
For reference, US$100 is not the highest value banknote. EUR500 notes circulate and, I think, are the highest value in circulation. There are some GBP 100mm notes, but they don't circulate. Fun BOE coffee break prank: trying to pay for your flat white with a 100,000,000 pound note.
GBP 100 is also higher value than US$100; there might be others in other currencies.
When the EUR notes were introduced, one popular story was that they were intentionally targeted toward illicit users, so the ECB system could capture more seigniorage. Maybe they were just anticipating the eurozone crisis and cross-border capital flight.
The "$100 premium" is actually a small notes fee.
The $100 notes fetch usually the central bank rates (where currency is free), but exchange offices hate small notes. So they charge x% fee on smaller notes, which increase for the smaller denominations


text:
DJ RevolutionView in iTunes
To preview a song, mouse over the title and click Play. Open iTunes to buy and download music.
DJ Revolution is a Los Angeles native mostly known for his DJ residency with Sway & King Tech on their nationally syndicated hip-hop radio exhibition called The Wakeup Show. He had a hand in the production and scratching on Styles of Beyond's debut album, while releasing his own, entitled R2K v1.0, in 1999. A year later saw him release his next full-length effort, In 12's We Trust. ~ Brad Mills
Top Albums
Top Songs
Los Angeles, CA
Years Active:
'90s, '00s


text:
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Stuck on your essay?
Get ideas from this essay and see how your work stacks up
3 Pages
An Overview of the Effects of the Ginkgo Biloba Plant
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Pages: 3
Word Count: 1,449
Category: Healthcare and Medicine
Word Count: 1,449
Pages: 3
Elixirs For Your Memory The blitz is on for ginkgo and other herbal products but are they panaceas or placebos -Time Magazine September 131999 Recently everywhere you turn you see or hear about new herbal remedies used for improving ones memory and concentration One more frequently discussed is Ginkgo Biloba It is an herbal substance that offers hope for improving memory concentration and brain functions Ginkgo Biloba is a derivative of a leafy ornamental tree that originated in eastern China It is said to increase blood flow to the brain improving alertness and concentration Drummond September 131999 Although many people who are currently taking this medication swear by it who really knows if it does improve brain functions or if it is just a placebo The article Elixirs For Your Memory discusses the latest information regarding Gingko Biloba At large most researchers are still unsure about the medication Many feel that extensive investigation and experimentation is still needed before trustworthy results can be established Yet on the other side traditional healers have no doubts about Gingko Biloba and believe that it has been used in Chinese medicine for years working wonders for its receivers Obviously the manufacturers of these medications also believe that the medicine is a success for improving brain functions If you were to ask a memory expert his or her opinion about Gingko Biloba the most likely answer would be that they are skeptical about it and other brain boosters Drummond September 131999 Most of these products have not be investigated to any significant extent that would warrant the claims that are being made says Doctor Ronald Peterson a neuroscientist at the Mayo Clinic in Rochester Minn Other researchers are even more to the point All the media they say is merely a case of a placebo effect run amuck people want their memories to get better so they do Give them a sugar pill and they probably
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Check in from 2:00 PM / Check out prior to 11:00 AM
Auberge Amerik Quebec City: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Quebec City, Canada.
Auberge Amerik Quebec City provides 4-star accommodation in Quebec City. It features comfortable rooms with an en suite bathroom and a kitchenette.
Hotel description
There are a variety of amenities on offer to guests of the inn, such as bicycle rental, massage services and a beauty centre. A Wi-Fi connection is also available.
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Log In
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Displaced workers' earnings at new jobs
August 06, 2004
Of the 3.2 million reemployed displaced workers who lost full-time wage and salary jobs during the 2001-03 period, 2.6 million were working in such jobs in January 2004. (The remaining reemployed workers had part-time wage and salary jobs or were self-employed or unpaid family workers.)
Of the reemployed full-time wage and salary workers, 43 percent were earning as much or more in their new jobs as they had earned on the job they lost. About one-sixth experienced an increase in earnings of 20 percent or more.
Fifty-seven percent of workers who were displaced from full-time wage and salary jobs and who were reemployed in such jobs had earnings that were lower than those on the lost job. About one-third experienced earnings losses of 20 percent or more.
These data come from the Current Population Survey (CPS). To learn more about displaced workers, see "Worker Displacement, 2001-03" (PDF) (TXT), USDL 04-1381. Displaced workers are defined as persons 20 years of age and older who lost or left jobs because their plant or company closed or moved, there was insufficient work for them to do, or their position or shift was abolished. The data cited here are for "long-tenured workers"—those who had worked for their employer for 3 years or longer at the time of displacement.
Bureau of Labor Statistics, U.S. Department of Labor, The Economics Daily, Displaced workers' earnings at new jobs on the Internet at https://www.bls.gov/opub/ted/2004/aug/wk1/art05.htm (visited January 17, 2017).
Recent editions of Spotlight on Statistics
Workplace injuries and illnesses and employer costs for workers' compensation
Workplace injury and illness data and the costs to employers for workers' compensation in natural resources, construction, and maintenance occupations.
A look at the future of the U.S. labor force to 2060
Projected long-term trends in the growth, size, and composition of the labor force.
Union membership in the United States
Historical trends in union membership among employed wage and salary workers; union membership by a variety of demographic characteristics.
A look at healthcare spending, employment, pay, benefits, and prices
Spending on healthcare, current and projected employment in the industry, employer-provided healthcare benefits, healthcare prices, and pay for workers in healthcare occupations.
Self-employment in the United States
Trends in self-employment by various demographic and socioeconomic characteristics, including both the unincorporated and the incorporated self-employed, as well as data on paid employees who work for the self-employed.


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The state Court of Appeals ruled Tuesday that Wheaton Franciscan Healthcare's outpatient center in Wauwatosa was not exempt from property taxes, reversing a district court decision in a case closely followed by other health care systems.
Wauwatosa had challenged Wheaton Franciscan's contention that its outpatient center at 201 N. Mayfair Road was an extension of Wheaton Franciscan Healthcare-St. Joseph hospital in Milwaukee and therefore exempt from property taxes.
Anne Ballentine, a spokeswoman for Wheaton Franciscan, said the health care system was surprised and disappointed by the decision.
Wheaton Franciscan, she said, plans to appeal the decision to the Wisconsin Supreme Court.
"We continue to maintain that the majority of the facility is dedicated to hospital-based services as an extension of Wheaton Franciscan-St. Joseph," Ballentine said.
The nonprofit health care system, affiliated with the Catholic Church, also reinvests all of its net income in the communities its serves, she said.
The tax dispute involved $2.9 million in property taxes paid in part of 2003 through 2006. Two floors of the building are devoted to medical offices, and Wheaton Franciscan never sought tax exemptions for that part of the building.
The Milwaukee County Circuit Court supported Wheaton's position after a nine-day bench trial in August 2007 and early 2008. In a dissenting opinion, Court of Appeals Judge Ralph Adam Fine also agreed with Wheaton's position.
The outpatient center's services include cardiology, pulmonology, surgery, pain management, radiology, physical therapy and a sleep disorder center.
It also includes an urgent care center - though one that differs significantly from what most people consider urgent care because its physicians bill at rates similar to those at hospital emergency departments.
In their opinion, two of the three appeals court judges noted the outpatient center's set hours, its focus on outpatient care and its policy of not accepting ambulances transporting patients with emergency conditions.
They determined that the clinic was essentially a doctor's office and therefore subject to city property taxes.
But Laura Leitch, general counsel of the Wisconsin Hospital Association, said many conditions that once required patients to be hospitalized now can be treated on an outpatient basis.
"We need to be able to provide the services in the most efficient and effective manner," Leitch said.
The hospital association filed a brief supporting Wheaton Franciscan.
The League of Wisconsin Municipalities and the Wisconsin Association of Assessing Officers filed briefs supporting Wauwatosa's position.


text:
Mercury Glass Globe String Lights
Product: Mercury Glass Globe String Lights
Retailer: Pottery Barn
Globes of fluted, silvered glass shed a warm light over outdoor gatherings. Up close, the surface of each is covered in intricate electric trails for a dazzling effect.
- 8' long; 10 mercury globes
- Use outdoors under any of PB's market umbrellas.
- Plug-in; 2-prong
Prices range from $39.50 to $79.50


text:
A historic nomination by President Obama is being considered by the Senate Judiciary Committee: Diane Humetewa is poised to become the first Native American woman on the federal judiciary. Humetewa is a highly qualified nominee with bipartisan support. She was nominated by President Obama with Senator McCain 's recommendation to serve on the federal judiciary and was previously appointed by President Bush as the U.S. Attorney for the District of Arizona.
The Senate Judiciary Committee had Humetewa's confirmation hearing on January 29, and her committee vote has been scheduled for this Thursday, February 13. But there is already a growing line of nominees stalled on the Senate floor unable to get a confirmation vote. On January 29, 29 nominees were stalled, and by February 6 the waiting list grew to 32 nominees who are stuck at Senate floor step in the confirmation process. Humetewa and her five fellow Arizona nominees will be added to the end of this already unacceptably long line.
In the meantime, Arizona needs qualified judges like Humetewa to fill its six federal judicial vacancies.
If Diane Humetewa is confirmed, she will be the:
First Native American woman to serve as a judge in a federal court;
Third Native American to be a federal judge; and
Only Native American in active service on the federal bench.
Diversity on the federal bench is always important, and Indian legal advocates and tribal leaders have emphasized the need for federal judges who understand Indian Law in particular.
Many Americans know little more about the complexities of Indian tribal laws—and their unique relationship to state and federal laws. Indian sovereign authority, recognized by federal law, extends to the Indian tribal courts that adjudicate Indian affairs-related matters. Some law firms have a specialized practice area in Indian law. Some law schools, such as Arizona State University's Sandra Day O'Connor College of Law where Humetewa is a professor, have an Indian legal program "to promote an understanding of the differences between the legal systems of Indian Nations and those of the state and federal governments."
"Indian legal experts have long said that tribal law gets shortchanged in the federal legal arena because so few judges are well-versed and experienced in it. This is one reason why federal cases are often harmful to tribal and Indian interests, according to many tribal analyses," reported Indian Country Today after Republican Senators blocked Avro Mikkanen, a Native American previously nominated by President Obama to the federal judiciary.
The National Congress of American Indians applauded the nomination of Diane Humetewa and particularly noted her firsthand experience in federal Indian law. Humetewa's Indian law background includes her work as an attorney on the U.S. Senate Indian Affairs Committee and an Appellate Judge on the Hopi Appellate Court.
This is an important nomination for which President Obama—and all Americans—should be proud. The Judiciary Committee should act expeditiously on this opportunity to make this federal judicial nomination a historic confirmation. That means that Republicans should not demand a needless delay in the committee vote as they have done in all but five cases since Obama became president. It also means the full Senate should finally be allowed to hold confirmation votes on the 32 nominees ahead of Humetewa and her fellow Arizonans.
On January 13, the Senate confirmed Judge Robert Wilkins to sit on the U.S. Court of Appeals for the D.C. Circuit. So far, despite a growing backlog of judicial nominees, he is the only judge to have been confirmed this year.
There are currently 96 vacancies in federal courts across the country. Thirty-nine of them have been officially designated "judicial emergencies" by the Administrative Office of U.S. Courts, indicating that there are too few judges available to handle the court's workload. This isn't a built-in feature of the judicial system. In fact, the Senate could cut the judicial vacancy rate by one third today.
There are 32 federal judicial nominees who have been approved by the Judiciary Committee and are waiting for Senate confirmation votes – enough nominees to fill one-third of the country's judicial vacancies and reduce the number of judicial emergencies by a quarter. All but three nominees cleared the Judiciary Committee with strong bipartisan support, most unanimously. The Senate could confirm all 32 in an afternoon if Republicans would agree to hold simple yes-or-no confirmation votes on their nominations. They could even confirm all 32 in less than five minutes by holding a unanimous consent vote.
But Senate Republicans still seem to be uninterested in confirming nominees to carry out the business of the nation's courts, even in the many cases where nominees have been recommended and supported by Republican senators.
Since the Senate was forced to change the rules of the filibuster in response to Republican intransigence, the GOP has retaliated by obstructing nominations in other ways. One of these has been demanding that each confirmation vote take the maximum amount of time possible: Senate rules allow for "post-cloture debate" after a filibuster has been broken – 30 hours of floor time for appeals court nominees and two hours for district court nominees. If Republicans forced the Senate to take the maximum amount of time on all 32 nominees currently waiting for votes, it would take the Senate 204 hours to clear the backlog.
Those 204 hours would add up to five weeks of full-time work: five weeks in which the Senate wouldn't be able to do anything else – not immigration reform, not a debt ceiling deal, not an update to the Voting Rights Act.
The Senate could use five weeks of its time this year to confirm judicial nominees. Or, Senate Republicans could agree to confirm all 32 nominees in five minutes, cut the number of judicial vacancies by a third, and move on to other business.
PFAW has launched a petition to urge Senators to address the judicial nominations crisis and stop the obstruction of judicial nominees .
Earlier this month, the White House returned to the Senate 54 federal judicial nominees who Senate Republicans had refused to vote on in the previous year. But one nominee was conspicuously absent from that list: Judge William Thomas, a Florida state judge who had been nominated to sit on a federal trial court.
At first, Thomas' nomination seemed like a slam dunk: He is an experienced, respected judge who was nominated in 2012 with the support of both of Florida's senators, Democrat Bill Nelson and Republican Marco Rubio. He also would have been the first openly gay black man to sit on the federal bench.
Then, mysteriously, Rubio changed his mind. Taking advantage of a Senate Judiciary Committee policy that allows any senator to block a committee hearing on any nominee from his or her home state, Rubio unilaterally refused to allow a hearing on Thomas. For months, the senator refused to explain why he was blocking Thomas' nomination, until finally this summer a spokesperson cited "questions about [the nominee's] judicial temperament and his willingness to impose appropriate criminal sentences."
Rubio's office provided two examples of instances in which they believed that Thomas didn't impose "appropriate criminal sentences." In both cases, Thomas imposed the highest sentence sought by the prosecution; in both cases, prosecutors praised his handling of the trials. Rubio's staff also claimed that in one of those cases, a grisly murder trial, Thomas "broke down in tears" when sentencing the defendant to death; news reports make clear that the judge's tears came when he was describing the brutal crime. As Chris Hayes put it, none of these complaints "pass the smell test."
Now, finally, Rubio himself has gone on the record for the first time about why he blocked Thomas' nomination. In an interview with Michael Putney, political reporter for the Miami-area Local 10 news, Rubio, looking visibly uncomfortable, repeats his office's talking points about the two criminal cases they allege Judge Thomas imposed insufficiently harsh sentences in. "We are looking for judges that can accurately apply the law, particularly at the federal level," Rubio said, never quite explaining how Thomas failed to do that.
This isn't the first time that Rubio has blocked a Florida judicial nominee for less than convincing reasons. Rubio similarly changed his mind about Florida nominee Brian Davis – who is also African-American – at the behest of Sen. Chuck Grassley . Under pressure from local activists, Rubio eventually changed his mind again and allowed Davis' nomination to go forward.
As Hayes said, it seems like the most likely explanation is that Judge Thomas was merely an "innocent bystander" in Rubio's desperate race to win back the right-wing support he lost during his short-lived advocacy for immigration reform – an effort that so far isn't panning out so well.
WASHINGTON – The Senate today confirmed Judge Robert Wilkins to the U.S. Court of Appeals for the District of Columbia Circuit. Wilkins was one of three nominees blocked for months by Senate Republicans. The GOP admitted that they would block any and all of President Obama's nominees to fill the three vacancies on this critically important court no matter who they were, which provoked the Senate to change its filibuster rules. Wilkins' fellow nominees Patricia Millett and Nina Pillard were confirmed late last year.
Marge Baker, executive vice president of People For the American Way, responded to the vote:
"Today's vote sends a supremely qualified and capable nominee to the nation's second most influential court. It also puts an end to Senate Republicans' dishonest effort to keep President Obama from filling vacancies on the D.C. Circuit, an effort that was destructive and transparently political.
"Now that the D.C. Circuit's seats are full, it can get on with its important work for the American people. And just as importantly, if the Senate can put petty partisan fights behind it, it can get on with doing the American people's work as well, including filling the other long-vacant federal court seats across the country."
WASHINGTON – President Obama today re-nominated 54 federal judicial nominees whose nominations had been sent back to the White House at the end of last year due to Republican obstruction. At the end of last year, Senate Republicans refused to hold over the president's nominees, sending all but one – D.C. Circuit nominee Robert Wilkins – back to the White House.
Disappointingly, one nominee who had been stalled by GOP obstruction was not renominated: William Thomas of Florida, whom Sen. Marco Rubio singlehandedly blocked from a hearing for over a year.
Marge Baker, executive vice president of People For the American Way, issued the following statement:
It is encouraging that the White House has taken the earliest possible opportunity to put these 54 nominees back on the path to Senate confirmation. This is an especially urgent matter given that 22 of these nominees would fill officially-designated judicial emergencies.
It is stunning that this many nominees were been sent back to the president at the end of the year. Most of those who are now starting the confirmation process all over again could have easily received confirmation votes last year if not for Republican obstruction. Nine were waiting for Senate votes when their nominations were sent back and 24 were stalled in the Judiciary Committee by Republican senators abusing the committee's rules and practices.
While we are pleased that the White House is working for the expeditious confirmation of these 54 nominees, it is disappointing that Judge William Thomas of Florida has been left off the list. Judge Thomas is an eminently qualified nominee and would make history as the first openly gay African-American man to become a federal judge. Yet a campaign of obstruction from Sen. Marco Rubio has kept Judge Thomas from even receiving a hearing in the Judiciary Committee, and has now succeeded in torpedoing his nomination entirely.
The president has also renominated a controversial slate of nominees from Georgia. In a state that is nearly one-third African American, just one of the president's six nominees is a person of color, and questions have been raised about some of the nominees' records on voting and civil rights.
Republicans have indicated that they will fight the president's nominees whoever they are; that makes it all the more important that the best possible nominees are put forward.
I can understand why Senate Republicans are angry about the recent change in the Senate's filibuster rules. It means that their agenda of obstruction just got a lot harder. But all their righteous indignation is ringing hollow.
Yesterday, Sen. Chuck Grassley, the top Republican on the Judiciary Committee, issued a statement attacking the committee's chairman, Sen. Patrick Leahy, for saying he would consider changing committee policies to make it harder for Republican senators to hold up nominations.
Democrats "are slowly but surely taking the world's greatest deliberative body and moving towards a majoritarian body," Grassley charged.
Oh, really?
The reason Leahy has to even consider policy changes in committee is that GOP senators, in an attempt at retribution for the "nuclear option," have repeatedly brought up an obscure rule that allows them to prevent the Judiciary Committee from meeting. They have also prevented the committee from meeting by simply not showing up, ensuring the lack of a quorum. Along with threats that Republican senators would refuse to return their "blue slips" signaling approval for hearings on home-state nominees, Sen. Leahy was faced with the prospect of not being able to process any nominees. Senate Republicans have literally not been allowing "the world's greatest deliberative body" to deliberate on judicial nominations.
And the reason why Senate Democrats were driven to change the filibuster rules for presidential nominees in the first place was that the Republican minority was blocking nominees to positions they just didn't want the president to be allowed to fill. In other words, they were using the Senate's rules of obstruction in an attempt to nullify laws they did not like and reverse the results of the presidential election.
This didn't promote "deliberation." It shut the entire process down.
This sanctimonious whining from Grassley and his fellow obstructionist Republicans isn't fooling anyone. Personally, I would have preferred not to have gotten to this place. My guess is that Senator Leahy would as well. But when you're trying to govern a country and the minority party won't let you complete even the most basic tasks of governance, there really is no choice. Comity has to be a two-way street.
The high and mighty act doesn't work when you're behaving like a child.


text:
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text:
- {{matchup.date.fullday}}{{matchup.date.month + ' ' + matchup.date.day}}
Butler vs Northwestern Recap - Butler Wins 74-65
Butler got a 24-point performance from Andrew Smith, who added 10 rebounds as Butler ran past Northwestern 74-65 on Saturday at Welsh-Ryan Arena.
Butler was the ATS victor, as they covered the 1.5-point spread as an underdog.
Butler got 13 points from Rotnei Clarke and another 11 points from Kellen Dunham. Alex Barlow contributed 4 assists, while Andrew Smith cleaned the glass with 10 rebounds.
Northwestern got 21 points from Dave Sobolewski in a losing cause and another 15 points from Tre Demps. Jared Swopshire contributed 5 assists for them, while Drew Crawford had 6 rebounds.
Butler hit the break leading 34-31 before taking care of business in the second half.
Butler won the battle of the boards, outrebounding their counterparts 40-34.


text:
Nike Soccer Shin Guard Stays
Product Information:
Trust the Nike® Guard Stays to keep your soccer gear in place during the most aggressive play. A reusable replacement for tape and adhesives, these fastening straps feature VELCRO® brand closures for easy securing of slip-in shin guards. Package includes two stays, each with the Nike® Swoosh trademark design at center.
- Soccer shin guard fastening stays
- VELCRO® brand closure keeps gear secure
- Nike® trademark Swoosh design at center
- Includes two stays
- Model: SE0047
- VELCRO® is a registered trademark of Velcro BVBA, used with permission
- Nike
Country of Origin: ChinaWeb ID: 29568786
Customer Reviews:
Rated 4.4 out of 5�by 27 reviewers.
Rated 5 out of 5�by Soccermama27 Perfect Great product! Much more comfortable and convenient than tape. November 18, 2016
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Rated 5 out of 5�by coach work great They fit tight and hold the shin guards in place. It took the boys a little getting use to the tight fit but there is no more messing with the shin guards at practice and during the game. August 25, 2016
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Rated 5 out of 5�by rb5113 Good Buy They work really well in keeping the shin guards in place. November 19, 2015


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PlayStation 3
This is a split board - You can return to the Split List for other boards.
PlayStation All-Stars update 1.02 brings new item, new network features, more
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PhaseBlack 4 years ago#1
) A new item, Medusas Gaze, has been added to the game
) View Invites has been added to the Party Bar Menu
) Voice chat icon added to loading screens
) AI logic enhancements
) Network performance improvements
-Issue where players were stuck with a different character than the one picked has been -addressed
-Issue with matchmaking in regards to player skill has been addressed
-Overall improvements to network connectivity
) Sackboy changes
-Level 1 Super Increase cost from 100 to 150 AP
-Level 2 Super Increase cost from 325 to 400 AP
-Level 3 Super Increase cost from 600 to 750 AP
-Jam Session (Neutral Triangle) Reduced AP generation from 25 down to 10 AP
-Cakeinator (Neutral Circle) Reduced AP generation from 25 down to 20 AP
Great stuff, cant wait to DL it next week
PSVita & 3DS
CrimsonGear80 4 years ago#2
good, maybe we'll see less Sackboys online now.
DmC looks like a good game. I also enjoyed the latest Final Fantasy and Resident Evil games. I like video games.
http://imgon.net/di-CFMD.gif NNID: ArsenalGear
PhaseBlack posted...
That problem should of been fixed, after Beta feedback lol.
PSN Qornut. Own Nintendo & Sony systems. 08/18/11 R.I.P Megaman Legends 3
-PS3 FFXIV ARR 2.0 Day 1 Buy I can't wait to maxout Summoner
Universquall 4 years ago#4
PhaseBlack posted...
Pre-order cancelled. Dear, Sony. Stop stealing features.
After the Fallout
PhaseBlack (Topic Creator)4 years ago#5
servb0ts posted...
PhaseBlack posted...http://www.analoghype.com/video-games/playstation-3-news/playstation-all-stars-battle-royale-patch-1-02-notes/
It was most likely something they couldnt get to when they were focusing on server stability and character balance, I and other people have rarely run into that problem if at all
PSVita & 3DS
SpoonSports 4 years ago#6
PhaseBlack posted...
I'm assuming this is for PaRappa. Is he top tier or something?
Calvin and Hobbes - Greatest comic I ever read!
JRSC 1988 Honda CRX ZC Tuned & Built by: HybridWerks
AnonUnknown 4 years ago#7
Universquall posted...
PhaseBlack posted...lol how do you cancel a pre-order for a game already released?http://www.analoghype.com/video-games/playstation-3-news/playstation-all-stars-battle-royale-patch-1-02-notes/
phoenix9107 4 years ago#8
do these changes apply to the offline version of hte game or online?
Nice update :D
PSN: Ivajosh; GT: Ivajosh90; Steam: Ivajosh
MurphysLaw 4 years ago#10
Why such a big update for so few people?
My original name is now available but I'm still a schphinkter
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- PlayStation All-Stars update 1.02 brings new item, new network features, more
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Manufacturing Area
Category: Arts and Crafts of Acrylic/Plastic
acrylic file box for home or office, with clear nice looking. We are also professional at below products: acrylic Jewery Display Stand,acrylic hotel products, acrylic craft gifts, organic glass craft ...Keyword : Acrylic file box | Acrylic file shelf | Acrylic produts | acryl
Category: Display Racks
Tiered acrylic Information Holder 1. Made of top grade acrylic 2. OEM&ODM welcome 3. Competitive price with good quality 4. size and logo can be printed or engraved.Keyword : acrylic information holder | acrylic greeting card holer | acrylic file holer | acrylic letter display | acrylic office storage
Main features: 1. Auto start when plug the power, support auto-replay function. 2. Definite time for each day (setting five periods per day) or week (setting for 7 days), actually 24 hours auto-pl ...Keyword : acrylic model table display
Category: Wood Working Machines & Parts
From: www.qingonggroup.com ATC CNC Wood Process Center Model: ATC1530AD Features: 1. Circle style automated tool changer with 8 pieces of tools in total. It takes only 8 seconds to change the tool. 2 ...
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1.this acrylic brochure rack made of transparent acrylic; 2.thickness:3mm;Keyword : acrylic brochure holder | acrylic brochure rack | acrylic brochure display | acrylic booklet stand
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Wireless Bluetooth Stereo Speaker (13000074)
With cartoon holder + FM RadioSpecifications :Bluetooth standard: 3.0+ESPPlay time: 5-8hoursS/N: 80dbDistortion: 1%W 1KHzCharging time: 3-4hoursFrequency response: 80-18000HZFM frequency range: 87.5-108MHZ(+-3DB)Bluetooth connection distance: More than 10 mSpeaker: 1.58 inches(external diameter...> See more product detail
With cartoon holder + FM Radio
Specifications :
Bluetooth standard: 3.0+ESP
Play time: 5-8hours
S/N: 80db
Distortion: 1%W 1KHz
Charging time: 3-4hours
Frequency response: 80-18000HZ
FM frequency range: 87.5-108MHZ(+-3DB)
Bluetooth connection distance: More than 10 m
Speaker: 1.58 inches(external diameter 40mm)
ACC:1x AUX cable,1x USB cable
Stereo Bluetooth
TF card/micro SD slot
AUX Input plug
USB Power Rotate
330° encircle dazzle LED
How long will my order take to arrive?
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|Leaves Zasttra.com or Seller
|Overnight Shipping Transit time
|Economy Shipping Transit Time
|Post Office Transit Time
|AVAILABLE, dispatched immediately
|Leaves Same day
|1 Day
|1 to 3 Days
|AVAILABLE, dispatched immediately
|Leaves Next day
|1 Day
|1 to 3 Days
|AVAILABLE, dispatched within (specified) days
|Leaves In (specified) days
|1 Day
|1 to 3 Days
|AVAILABLE, dispatched within (specified) days
|Leaves In (specified) days
|1 Day
|1 to 3 Days
|AVAILABLE, from Overseas
|Leaves In 5 to 7 working days
|15 to 60 Days
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Note: These delivery times are estimations; it is difficult to guarantee exact delivery times. To find out a more accurate delivery time on the specific items, please call us on 087 237 4746 or email us at email@example.com.
Goods may be returned only when defective, damaged or if the product supplied is not the same product as what was ordered. If the Goods are defective in any way this must be reported as soon as reasonably possible after the product having been delivered to you and must be returned to us within a period of 180 days after delivery. If the Goods are not the same as what was ordered this must be reported within 24 hours of delivery. Any damage must also be immediately reported, within 24 hours of delivery.
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Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases. Special order item* with future shipping days (*SHIPS IN OVER 7 DAYS) of over 7 working days; normal cancellations are not accepted; forced cancellations will incur a 15% restocking charge...


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VTech has relaunched its online service Learning Lodge, but appears to have shirked responsibility regarding future data breaches.
More and more business decision makers in the UK consider cyberattacks to be the greatest threat to their enterprise, according to a new study.
A 17-year-old student in America has been arrested and charged with illegally accessing government computers, months after the data breach took place.
Highlights from the past seven days in information security include encryption insights, Android updates, Facebook at 12 and a data breach at UCF in the US.
The University of Central Florida (UCF) has revealed that it has experienced a major data breach. Up to 63,000 people are thought to be affected by the incident.
The fast food chain Wendy's may have been the victim of a data breach, the security expert Brian Krebs has revealed. Unusual activity has been reported.
Data breaches got bigger, brasher and more devastating in 2015. In this feature, we look at how some of the biggest came about and the impact they had.
A new study has found that UK businesses, in comparison to their international counterparts, are slow to respond to unusual activity on their networks.
Authorities in the UK have announced that a 21-year-old man has been arrested in connection with the major data breach at VTech in November.
A new survey of consumers from across the globe finds that data breaches have an impact on their trust in a business that has been the victim of a cyberattack.
A major data breach at the OPM in June was the result of cybercriminal activity that had nothing to do with state-sponsored cybercrime, China has disclosed.
Over 10 million users now known to have been affected by VTech data breach, the specialist electronic toys and technology company has revealed.
VTech announced that its Learning Lodge website was attacked by cybercriminals, affecting up to five million customers.
Get up-to-date with the latest happenings in information security with our review of the past week.
Comcast resets customer account details after it found out that information was being sold on the dark web.
TalkTalk talks numbers – revealing that "only 4%" of its users were affected by the hacking attack on its systems.
It has been revealed that TalkTalk has been subject to a "significant and sustained cyberattack", with criminals likely to have accessed personal and banking details belonging to its customers.
Sony Pictures Entertainment says that it will pay out $8 million to its employees, over a data breach last year. The studio was attacked by cybercriminals over the release of the movie The Interview.
It has been claimed that the director of the CIA has had his personal email account breached by a teenager, with social engineering playing a part in the hack.
The regular occurrence of data breaches is pushing organizations to think more seriously about updating their risk management policies. With that in mind, we look at the top ten things you need to know about cyber insurance, which is fast becoming a business necessity.


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Chicken Enchiladas With Tomatillo Sauce (Enchiladas Verdes)
Total Time
Prep 0 mins
Cook 50 mins
From Goya's "Taste of the Americas: Mexico" booklet, enchiladas (Mexico's comfort food) are made with an authentic green tomatillo sauce. Some changes were made for simplicity or variations.
Ingredients Nutrition
Chicken filling
- 2 lbs boneless skinless chicken breasts
- adobo seasoning, to taste
- 1⁄2 white onion, chopped
- 4 garlic cloves, minced
- 1⁄3 cup sour cream
- 3 serrano chilies
- 2 (26 ounce) canswhole tomatillos, drained
- 3 garlic cloves, minced
- 1⁄2 cup white onion, chopped
- 3 tablespoons cilantro
- 1 tablespoon vegetable oil
- 1 teaspoon adobo seasoning
- 12 corn tortillas or 12 flour tortillas
- 1 cup sour cream
- 1⁄2 white onion, diced
- 1 cup queso fresco or 1 cup monterey jack cheese
- Season chicken with adobo. Place chicken, onion, garlic in saucepan with enough water to cover. Bring to a boil, reduce heat to medium, cover and simmer for 20-25 minutes. Remove from heat and let chicken cook in broth. Shred chicken meat, approximately 4 cups. Mix with sour cream.
- Put chilies in saucepan with enough water to cover, bring to a boil, lower heat and simmer for 10 minutes. In batches, puree chilies, tomatillos, garlic, onion and cilantro in blender until smooth.
- In skillet on medium-high heat, heat oil until it starts to smoke. Add tomatillo sauce and cook, stirring constantly. When sauce begins to bubble, lower heat and cook for 5 minutes until noticeably darker and thicker. Season sauce with Adobo. There should be about 3 cups of sauce. If needed, stir in chicken broth.
- Heat oven to 350°F.
- Using your fingers, dip each tortilla briefly in sauce, covering both sides. Place on plate, spread on large spoonful of filling and roll up. Place seem side down in baking dish and repeat for each enchilada. Cover with remaining sauce, cover with foil and heat in oven for 10 minutes or until enchiladas are heated through. Top with sour cream, onions and cheese. Serve immediately.
Most Helpful
These are great enchiladas! I used fresh tomatillos (simmered them with the chilis), otherwise made as directed. Just delicious - thanks for sharing a great recipe! Made for ZWT8, Chefs gone WILD!
These are delicious! Other than using fresh tomatillos, I followed the recipe exactly. Perfection. Thanks for sharing! Made for ZWT8.
I think I am now more of a fan of the green Verdes sauce then the normal red sauce!! I made this as written but scaled it back for just the 2 of us. I couldn't help myself and added some Monterey Jack cheese with the chicken mixture before rolling them up. This is a great and so tasty recipe. Thanks for sharing the recipe. Made for ZWT8.


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Allison comes home to spend the holidays with her parents, but bad news from her boyfriend prompts her to turn to her mother, leaving Eddie feeling snubbed.
Eddie and Joy disagree over whether a plugged-in toaster uses electricity even when it's not in use, and Eddie can't stand it when he's proven wrong. Meanwhile, Jeff is planning a surprise birthday party for Steph.
The Starks and Woodcocks attend Stan and Vicki's 25th anniversary party; Steph's dancing style embarrasses Jeff.


text:
Check in from 2:00 PM / Check out prior to 12:00 AM
The New Otani Kaimana Beach Hotel: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Honolulu, United States.
This hotel is set in Waikiki, a few minutes from Waikiki Aquarium. It also provides a rooftop terrace with ocean views.
Hotel description
Featuring views of Diamond Head, The New Otani Kaimana Beach Hotel is a convenient place to stay for those looking to scope out local attractions in Honolulu. There is an in-house spa and wellness centre and a golf course.
All the rooms at New Otani Kaimana Beach Hotel Honolulu feature a refrigerator, plus all the essentials for an enjoyable stay. They all offer movies-on-demand, a private bathroom and a flat-screen TV.
Guests can wake up to breakfast each morning at Otani Kaimana Beach Hotel before venturing out to explore the surrounding region. Room service is also available at certain times.
Attractions close to The New Otani Kaimana Beach Hotel include Kapiolani Park, Honolulu Zoo and Waikiki Shell. The friendly staff at the tour desk are available to book tours and sightseeing trips in Honolulu.
Hotel features
Room Service, Restaurant, Air Conditioned, Refrigerator, Cable / Satellite TV, In Room Movies, Hair Dryer, TV, En suite, Private Bathroom, Vending Machines
Elevator / Lift, 24 Hour Reception, Dry Cleaning, Banquet Facilities, Conference Room(s), Currency Exchange, Multilingual Staff, Safe-Deposit Box, Meeting Rooms, Laundry service, Shops, Photocopier, Ballroom, Exhibit Space, Luggage Storage, Shops in Hotel, Self Laundry
Fitness Room/Gym, Tour Desk, Massage / Beauty Centre, Golf Course, Bath / Hot Tub, Massage, Spa & Wellness Centre
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2425 Kuhio Avenue, Honolulu
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320 Lewers Street, Honolulu
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text:
Another new research study investigated the connection between autoimmune liver disease and gluten. This study investigated whether children with combined autoimmune hepatitis and celiac disease had higher remission rates of hepatitis while on a gluten free diet. The conclusion of the study is below…
CONCLUSIONS:: Patients with AIH co-existing with CD achieve treatment-free sustained remission in a significantly higher proportion, when compared to patients with autoimmune liver disease without celiac disease, suggesting a possible long-term adjuvant effect of gluten free diet.
Source: J Pediatr Gastroenterol Nutr. 2013 Feb 10. [Epub ahead of print]
Gluten Can Cause Liver Damage
There are hundreds of published medical studies on gluten and liver damage. The study above is just one more piece of medical evidence. Unfortunately, doctors don't study nutrition and therefore often overlook this connection. If you want to look at additional studies, click here.
I commonly see patients in my office who suffer with different forms of liver and gall bladder diseases. Sometimes the only symptoms are abdominal and right shoulder pain. Often times they have been diagnosed with non alcoholic fatty liver disease or gall stones. Many or these individuals are considering having surgery to remove their gall bladder.
I would recommend anyone suffering with liver or gall bladder problems of unknown origin be genetically tested for gluten sensitivity. Celiac testing is too inaccurate and not definitive for those who have non-celiac gluten sensitivity. If you cannot afford testing or if you doctor won't order it for you, go on a TRUE gluten free diet. You can also take this simple quiz to determine the likelihood for gluten sensitivity. Contrary to popular belief, a gluten free diet is safe even if you don't have gluten issues. There is no requirement in the human diet for grains. This is simply a manufactured marketing effort by cereal companies.
No Gallbladder = Vitamin Deficiency
Remember, if you opt to have your gall bladder removed, you will lose some of your ability to absorb and digest fat properly. Vitamins A, D, E, and K as well as the omega 3 fatty acids all need a healthy gall bladder for proper absorption. The side effects of these nutritional deficiencies can be devastating. Vitamin D alone has been linked to more than 20 terminal cancers.
Now consider that liver disease can cause high cholesterol… Cholesterol medications can cause liver disease…Liver disease contributes to blood sugar abnormalities…contributes to fatigue…contributes to weight gain…contributes to fatty liver…
Liver Damage = Skin Disease
In addition to gallbladder problems, liver damage can lead to skin damage. When the liver is overstressed, it can lose its ability to detoxify appropriately. Pollutants, drugs, potentially damaging chemical byproducts are all typically handled by the liver. When this vital organ can't do its job, the skin is recruited to aid in the process. Common skin disorders connected to this are eczema and dermatitis.
We can go on and on and on. The point is, gluten intolerance can cause liver and gall bladder problems. Most patients diagnosed with liver disease in the U.S. are told that their disease has no known cause. It makes sense to investigate gluten as a causative factor.
Always looking out for you,
Dr. Osborne – The Gluten Free Warrior
If you found the article helpful, please forward it to someone you love and click the "like" button above.
Gluten Free Warrior Commentary
20 responses on "Gluten Linked to Autoimmune Liver Disease"
Wonderful information for everyone to know…
A very important missing link to acquire..
Much Appreciated,
I too had my gallbladder removed. Tests show I'm not digesting fats properly. What can I do to heal? Please respond.
Had my gall bladder removed a long time ago. Curious what you recommend as well.
My whole life I have noticed an elevation in Bilirubin in my blood tests. Even after being gluten free for three years!Can anyone offer an explanation for this?
I have no thyroid or gall bladder. What do you recommend?
Is gluten shield safe for children and if so what ages and how much do I give?
Curious as to why no recommendations as to possible next steps, as in what type of practitioner to see or what resources to use, to possibly or definitely remedy or treat the issue??
Would gluten be an underlying cause of Klatskin Tumor? I am genetically sensitive to gluten and my dad died from this tumor.
Nice blog. I like it.
i have had my gall bladder removed. Emergency. What do I do now?
Thank you for this article. I've been gluten free just over a year due to problems of autoimmune hepatis, iron deficiency, and eczema on top of the typical symptoms. Since I wasn't diagnosed with celiac disease it sometimes makes me feel that I'm making it all up. I still have some skin problems but thankfully no more liver issues. This is a nice reminder that gluten sensitivity is real and can cause real damage.
I have been gluten free and grain free for over 2 years and gluten free for 3 years before that. I have suddenly developed dermatitis on my face and my naturopath told me my liver is not functioning as it should so I was happy to read in the article, confirmation that liver problems can cause this. However, what is causing the liver problems? That is the question. It certainly isn't gluten or grain. Hmmm" Curiouser and curiouser" as Alice would say. Thanks so much for your blog.
I stopped eating all breads 2 weeks ago. Everything I ate for breakfast included bread and I would likely eat it again in the evening as well as once or twice as part of a snack food during the day. The first thing I noticed was clearer thinking and more energy within the first week. But another area I noticed a huge improvement was in my bowel movements. For several years I have been suffering with bowel movements that I can only describe as being like modelling-clay in nature – very smooth and sticky in nature. For years I have been struggling to fully empty my bowel each time I visited the toilet and always felt that there was fecal matter still 'up there' (for want of a better expression) after wiping. This has led me to spend the last few years worrying that I had something seriously wrong with my bowel. But I am delighted to report that after 2 weeks of quitting bread, biscuits and cereal, this long-standing (and really quite depressing) problem has virtually disappeared! I am now able to just about expel all fecal matter out at each toilet visit, and there is so much more of it! For the first time in years, I feel very healthy 'down there' and more importantly…clean! I have still been drinking some beer and the occasional pasta dish, but WITHOUT ANY DOUBT WHATSOEVER it was the bread that has been causing my woes in recent years…or more to the point, the gluten bound within it. My advice to anyone who thinks they are sensitive/intolerant to gluten is to quit the bread first and go from there. I have pan-fried vegetables and tuna now for breakfast rather than a breakfast that includes bread and it has made all the difference. My hunger is far better under control as well!
My liver function bili was up at 30 everything else with liver function is clear. My bowel movements I struggle to get the last bit out… i have terrible wind and bloating tummy at the end of the day… and putting on weight. Do you think i should try a gluten & Wheat free diet?


text:
Actress Marlee Matlin was among the first to call out Ann Coulter on her tweet last night calling the president a "retard." Coulter has since doubled down on her remark, and as opinion is split over whether Coulter overstepped boundaries or not, we thought we'd compile Matlin's tweets on the subject.
A more positive national dialogue seems like a great thing, but could we lay off of some of those other "R" words too?
Since Matlin is in Los Angeles, perhaps she could have a word with Mike Epps and have him expelled from the entertainment playground for his #TeamRetard swipe at Romney supporters?
Tags: ann coulterMarlee Matlin


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LAD Episode 14 Tips and Strategies
- App name: LAD
- Developer: keith curtis
- Genre: Adventure
- Release: Sep 12, 2012
Let's play LAD on iOS. In this part of the walkthrough, you will learn more tips and tricks while playing the LAD game on the iPhone.
Episode 14 Walkthrough
This page contains LAD video walkthroughs for iOS (iPhone/iPad) called "os spille the last of us [] [danish] [dansk] [ps3]" and has been uploaded on IdmcvGamingDK official channel at Oct 21, 2013.
Still need help with this level? Here you can ask questions and discuss with other LAD users.
Hit like if this helped you!
Stuck on some levels in LAD? This walkthrough can help you finish the game.