text:
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Thanksgiving marks end of era for Texas football rivalry
By Erin Mulvaney
COLLEGE STATION, Texas (Reuters) - In the middle of a plot of sparse land near the Texas A&M University campus, a 45-foot-tall tiered pile of timber represents the Aggies' "burning desire" to beat arch-rival the University of Texas in the teams' annual Thanksgiving Day football matchup.
This year's game marks the end of a rivalry that dates back to 1894 between the two biggest universities in the Lone Star State, as A&M is preparing to leave the Big 12 for the Southeastern Conference next summer. So the bonfire and other traditions at both universities hold special significance.
The game, which is in College Station this year, is the end of not only a sports rivalry but also a tradition deeply embedded in both the state and universities' identities. Earlier this year, Texas Governor Rick Perry, a onetime A&M yell leader who is now a Republican presidential candidate, joked that he had promised his wife, Texas First Lady Anita Perry, that he would avoid controversial topics such as A&M's decision to leave the Big 12.
"It's really about more than just football," said Travis Springer, a senior at A&M who helped organize the bonfire, which is made from wood collected and chopped by students over several months and is topped with an outhouse decorated in UT burnt orange. Because of a widespread burn ban in Texas, the structure will not be set ablaze for this year's ceremony, but students and fans are visiting the site before the game.
In Austin on Monday night, about 2,000 students decked out in burnt orange crowded in the center of the University of Texas campus holding candles for their own tradition called the Hex Rally. Student groups, cheerleaders, dancers and a school choir led the rally for the football team as the marching band played school songs. Parents put orange-clad children on their shoulders for a better view of the band and dancers.
Former UT football player Ahmad Brooks pointed out that Texas has won 75 of the 118 matchups between the two teams.
"This is one team we have beat more than any other team in America," Brooks said to the roaring crowd of students and alumni, many of whom had their faces painted orange and white. "So, anyway, we're good."
Texas Coach Mack Brown called the night "historic." Continued...

subset: commoncrawl


text:
Powered by our sister site, Family Vacation Critic
Iguazu Falls Jan 2008 Bird Watching Trip ReportAuthor: Carl from Pahrump (More Trip Reviews by Carl from Pahrump)
Date of Trip: January 2008
In December 2007 and January 2008 we spent 37-days on the Star Princess with back-to-back cruises. We sailed across the Caribbean, down the East coast of South America, stopped in the Falkland Islands, sailed around Antarctica for 4 days, backtracked to the southern tip of South America, and ended in Buenos Aires. We then spent 4 nights at Iguazu Falls before returning to Miami.
This trip report discusses our bird watching trip to Iguazu Falls. Trip Reports for the Star Princess cruises (Dec 20, 2007 & Jan 10, 2008), with emphasis on bird watching, are on CruiseCritic.com.
We arrived in Iguazu at 3pm. We could see the mist from the falls on final approach to the runway. Our driver, Ariel, was waiting for us. Iguazu, Argentina is 1000 miles North of Buenos Aires on the Brazil and Paraguay border.
We stayed at the Secret Garden B&B (firstname.lastname@example.com) in Iguazu City, a.k.a. Puerto Iguazu, (25.608S 54.569W) on the Argentina side of the falls. Right off we saw a Glittering-bellied Emerald hummingbird in the garden getting nectar from Lobster Claws. The sounds of birds were everywhere. Later we saw a Guira Cuckoo and Sayaca Tanager (light blue with darkish wing patches) on the street.
We had dinner at a nearby steak house. We started with an appetizer tray of stuffed tomatoes, fish cakes, and other local foods. My wife had the 1.5 lbs of steak fingers with smashed pumpkin. I had a 1.5 lb hunk of steak with sweet potato nuggets. She couldn't eat all her steak, but I did! Beautiful!!
The B&B has a cocktail hour for the guests at 7:30pm. We met a couple from Australia that has just returned from a small boat trip to Antarctica on Quark Cruises, and a couple from Holland that were leaving in a few days for Antarctica. Small boat trips cost around $13,000 per person, but you get a lot closer to the penguins and icebergs. The Australians got seasick a few times, so we gave the couple from Holland our leftover anti-seasickness patches.
On Jan 27 we met our birding guide at 6:40am.
We went birding with Daniel Somay (firstname.lastname@example.com), a local birding guide, in the Iguazu NP (25.678S 54.450W). In the NP we saw Ashy-tailed Swifts, Black-capped Donacobius (Mocking Thrush), Blue Dacnis (Tanager), Blue Manakin, Blue-winged Parrotlet, Chestnut-eared Araçari (Trogon), Chestnut-vented Conebill, Cocoa Thrush, Double-collared Seedeater, Epaulet Oriole, Green-headed Tanager (spectacular colored Rainbow Tanager in Spanish), Ochre-collared Piculet (small woodpecker), Pale-breasted Thrush, Plush-crested Jay (yellow chest with matching yellow eyes), Purple-throated Euphonia, Red-crested Finch, Reddish-bellied Parakeet, Rufous-bellied Thrush, Scaly-headed Parrot, Streaked Flycatcher, Swallow-Tanager, Violaceous Euphonia, White-barred Piculet (woodpecker), and Yellow-fronted Woodpecker.
Daniel dropped us off at the Iguazu Falls at 11am. We hiked to Sendero Macuco (25.680S 54.443W), a small stream with a big drop. Thousands of people come to Iguazu Falls each day, but not many people come to this smaller falls. The track to the bottom of the falls was an erosion ditch with roots as steps.
Along the track we spotted a Rufous-capped Motmot and Striped Cuckoo. We flushed out a Tiger Nightheron by almost stepping on it.
It started to rain about 2pm, so we took a city bus back to town (15k) for $1.33 each (a taxi only cost $13).
The high today was 70F. Last week it was over 100F.
On Jan 28 it was pouring down rain at 6:30am. We met Daniel at the B&B and decided not to go birding today. It rained off and on all day.
We had Br at the B&B – fresh guava juice, a big bowl of watermelon, and toast with a variety of home made jams, including Passion Fruit jam. They had a special pot to froth milk. The coffee was made in a plunger pot.
At 10am Ariel took us to a store to buy Inca Rose jewelry. Later he took me to the Casino to get cash from the ATM machine so we could get a 10% discount on the jewelry.
In the late afternoon we walked to the river walk near downtown. We spotted an Orange-bellied Euphonia in a tall tree. Later, we saw a Plain-breasted Earthcreeper and Yellow-bellied Elaenia (flycatcher).
We decided to take a 2-hour catamaran trip to Paraguay (25.593S 54.579W). The river was swollen by the recent rains but the banks were full of people fishing for catfish. The catamaran stopped at an Indian village in Paraguay where the locals turned out to do ceremonial dancing.
We went birding with Daniel at Iguazu NP on Jan 29. Daniel could recognize most birds by their call. He had recorded birdcalls he could play to draw in the birds.
Related Trip ReviewsArgentina Trip Reviews
Brazil Trip Reviews
Paraguay Trip Reviews
Central & South America Trip Reviews
Send Us Your Trip Review!


text:
Newspaper names new top editor
LANCASTER (AP) — Lancaster Newspapers Inc. has named a woman as its top editor for the first time.
In an online story Sunday, the company said Barbara Hough Roda, a veteran reporter, editor and columnist, will succeed Ernie Schreiber as executive editor.
In her new position, Roda will oversee all print and digital aspects of the newsroom.
Robert Krasne, the company's publisher and president, said Roda is a respected leader who possesses "impeccable judgment and keen intuition."
Lancaster Newspapers publishes the daily Intelligencer Journal/Lancaster New Era and the Sunday News.
Schreiber, who Krasne called out of retirement a year ago to oversee the consolidation of the newsroom, returned to retirement earlier this month.


text:
By Tony Wagner Citizen Columnist
Dear Mr. Fitness:
I'm 5 foot, 9 inches tall and weigh 187 pounds. I'm 32 years old and male. Over the past 4 months I've gained 15 pounds. My lifts in the gym have gone up slightly. I'm heavier, but my pants still haven't gone up in size. I have also noticed an increase in vascularity in my arms. I've always had a bit of fat on my stomach, so I can't tell if I'm gaining fat or losing it. Is it possible that I'm gaining muscle and losing fat at the same time?
-- Weighty
Dear Weighty:
Noting that you have been wearing the same size pants makes me upbeat. This would indicate to me that you did not gain much fat around your waist. This is of course not scientific, but noteworthy -- it is relatively easy for the body to store fat around the waist. An increase in vascularity can be indicative of some fat loss. Vascularity refers to the amount or accentuation of our veins.
So far, so good. What is worrisome is you state you gained 15 pounds in four short months. You say that your strength increased slightly. This would bother me. If you could tell me exactly how much stronger you have gotten, that would help. One man's increase in strength may not be another man's. You know what I mean.
In other words, if your bench press went from 100 pounds for three reps to 135 pounds for three reps over a four-month period, this would be pretty good given your height and weight. This level of specificity would tell me precisely if you gained muscle.
You see, it takes some time to put on muscle. Even with tremendous amounts of stimulation, muscle tissue responds growth-wise very slowly.
If you could gain five to eight pounds of muscle yearly, you would be genetically gifted!
Don't think five to eight pounds of muscles is much? Get to the grocery store and look at five pounds of ground chuck. Now imagine slapping all of that beef on to your chest! You'd have a huge chest! Freaky huge! And that's only five pounds!
Or, how about two and a half pounds on each of your arms. Good grief, that would be awesome!
So perhaps you are a genetic freak and have gained 15 pounds of muscle in four months. Without eyeballing you directly, this would be difficult for me to make a call. I would think though, that you have gained a bit of fat along with some muscle. Keep working out and remain focused.
As for losing fat and gaining muscle at the same time, no way!
Either you are getting fatter or you are losing fat. In only rare instances can someone gain muscle in a calorie-restricted environment. You can be gaining muscle and fat at the same time though.
Good luck!
-- Mr. Fitness
Tony Wagner, aka Mr. Fitness, has more than 30 years of fitness and nutritional expertise. A certified personal trainer and fitness author, he started the first personal training studio back in 1985 and has helped thousands of people get into and stay in shape. Contact him at: firstname.lastname@example.com., Facebook us, or stop by Bodyzone Fitness Center, 2740 N. Roosevelt Blvd., Key West, 305-292-2930.


text:
Diagnosis of ARVD
Arrhythmogenic right ventricular dysplasia (ARVD) should be suspected in a young or middle aged person who has ventricular arrhythmias with left bundle branch block morphology and who does not have other cardiac disease. Presentation as right ventricular failure is uncommon. A 12-lead electrocardiogram should be carefully examined for
1) T wave inversion beyond lead V1
2) epsilon waves, which are reproducible small deflections seen just beyond the QRS complex in lead V1 or V2.
3) Right ventricular parietal block as evidenced by a QRS duration
in V1 + V2 + V3 that is longer than that in leads V4, V5, V6 by a ratio of 1:2.
The sensitivity to detect these ECG abnormalities is enhanced by careful skin preparation to eliminate artifacts and by recording the electrocardiogram at double speed (50 mm/second) and double the usual amplitude (20 mm/mvolts).
The major differential diagnosis in a patient who has left ventricular arrhythmias of left bundle block morphology with a configuration of inferior QRS axis (negative QRS in lead AVL) is that of right ventricular outflow tract (RVOT) tachycardia. Patients with RVOT tachycardia do not usually have the ECG abnormalities associated with ARVD and the signal-averaged electrocardiogram is generally normal. They may have some dilatation and decrease in contractility limited to the right ventricular outflow tract.
It is important to determine if the patient has ARVD or RVOT tachycardia for two reasons. First, the prognosis of the two conditions is different. RVOT tachycardia has an excellent prognosis and seldom results in arrhythmic death. In contrast, there is a risk of sudden death as great as 1% per year in patients with ARVD who have ventricular arrhythmias. Secondly, ARVD may be hereditary whereas RVOT tachycardia is not. Therefore, when the diagnosis of ARVD is made, it is recommended that first degree relatives (parents, brothers, sisters, and children of the affected person) be evaluated for presence of this condition in order to prevent the unusual occurrence of arrhythmic death in family members.
he signal-averaged electrocardiogram is usually abnormal in ARVD patients who have sustained ventricular tachycardia. An abnormal signal averaged ECG is supportive of the diagnosis of ARVD but a negative test does not exclude this diagnosis.
The right ventricle has an irregular shape and is heavily trabeculated. Its contraction pattern is not concentric and uniform Therefore, slight abnormalities either may be undetected or it may be difficult to be certain that an abnormality in fact, does exist. Right ventricular size, volume, and contractility must be quantitated using standardized views in order to differentiate normal from abnormal right ventricular structure and function. ARVD does not affect the right ventricle uniformly. The right ventricular free wall is involved in particular locations, especially the right ventricular outflow tract, the right ventricular apex, and the posterior subtricuspid area. The septum is usually spared.
Echocardiography when properly performed by focusing attention on right ventricular function and wall motion abnormalities is an excellent way of screening for ARVD. The posterior and inferior wall of the right ventricular inflow tract under the tricuspid valve is the most important region that must be visualized because it is most frequently affected. This may be seen in the parasternal long axis view with the probe angled toward the inferior vena cava or the liver. Another projection to visualize this area as well as the RV apex is the apical RV two-chamber view with the probe angled toward the right ventricle by 20-30 degrees.The angiographic features of arrhythmogenic right ventricular dysplasia (ARVD) include global and/or regional function and morphological abnormalities of the right ventricle including localized akinetic or dyskinetic bulges, outpouchings, dilatation of the infundibulum, trabecular hypertrophy and/or disarray with deep fissures. The study has a standardized echo protocol and the Echo Core Laboratory is under the direction of Dr. Michael Picard, Massachusetts General Hospital.
Once an RV angiogram has been performed with appropriate views and adequate contrast, interpretation of wall motion abnormalities pose a distinct challenge, particularly when minor abnormalities are suspected. At present, angiography appears to be most reliable for the above assessment, although in the future, 3D echocardiography and MRI may be used in place of angiography for the evaluation of structure and function of the right ventricle. The study has a standardized angiogram protocol and the Angiogram Core Laboratory is under the direction of Dr. Thomas Wichter, Muenster, Germany.
When a patient has the overt manifestations of the disease including evident right ventricular abnormalities, the MRI can be confirmatory by its unique ability to identify and characterize fatty tissue infiltration in the right ventricular free wall. However, in patients with ventricular arrhythmias of left bundle branch block morphology who have minimal anatomic abnormalities of the right ventricle, the sensitivity and specificity of the MRI to distinguish normals from ARVD has not been defined. In addition, there may be variable degrees of penetration of epicardial fat into the medial layer of the right ventricle in normal individuals. Also the right ventricular free wall is only 4-5 mm thick and the resolution of the MRI to detect thinning of several millimeters is questionable. Finally, most radiologists have limited experience in the diagnosis of ARVD by MRI. Until these issues are clarified, cardiologists should be cautioned not to solely rely on the MRI to diagnose ARVD. The study has a standardized protocol for MRI evaluation and MRIs are sent to the MRI Core Laboratory under the direction of Dr. David Bluemke, Johns Hopkins Hospital.
It is essential to examine the involvement of the myocardium of the right ventricular free wall with fibrous and /or fatty replacement and validate the clinical diagnosis by pathological examination of right ventricular endomyocardial biopsy samples. The interventricular septum is usually not involved in ARVD. Myocarditis predominantly affecting the right ventricle can mimic the clinical presentation of ARVD. Structural abnormalities of development of the right ventricle may be difficult to differentiate from ARVD with certainty without histopathology. The Pathology Core Laboratory is under the direction of Dr. Gaetano Thiene, Padua, Italy.


text:
There are, today, more than 1500 exclusive videos in explicite-art's members zone.
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Here is the trailer of the video I shot when I first met Angelik. Anal, anal dildo, anal fisting... This girl in incredible!


text:
The "Business" of a Realtor has evolved. Today's market requires a realtor who is more professional, diligent, knowledgeable and in touch with his or her client base. The skills required of a realtor in today's real estate environment are considerable. When you make a decision to Buy or Sell we are committed to going the extra killometre to ensure that all your Real Estate needs are successfully met in a professional and honest manner .
The Owen Team is made up of what is now Second and Third Generation Realtors. Clients and Customers often count on our knowledge and background to provide them with insight and direction in their real estate plans. We all have different backgrounds and experience that range from; Development & Construction, Property Management to Landscaping. There is a theme and it all has to do with; Land and the improvments there on.
Get our experience working for you!
Commercial Real Estate Whether it is Buying, Selling or Leasing it is very important to get the right representation! We have a dedicated commercial division focusing on the full spectrum of ICI Real Estate.
First Quarter, 2016 Commercial Real Estate Statistics and Breakdown
Real Estate in Ontario.
The MLS® Home Price Index Composite Benchmark for March 2016 was up by 11.6 per cent compared to March 2015. The average selling price for all home types combined was up 12.1 per cent year-over-year in March and 13.6 per cent in the first quarter.
March 2016
"Demand was clearly not an issue in the first three months of 2016, regardless of the housing market segment being considered. The supply of listings, however, continued to aggravate many would-be home buyers. We could have experienced even stronger sales growth were it not for the constrained supply of listings, especially in the low-rise market segments. The resulting strong competition between buyers has underpinned the double-digit rates of price growth experienced so far this year," said Jason Mercer, TREB's Director of Market Analysis.


text:
Google has announced its latest product offering: Android TV. Can it make a splash in a crowded tech marketplace?
Android Wear has a lot of potential. But what are its shortcomings?
Say hello to the hottest new tech in the auto world.
Google surprised us all with a preview of their newest version of Android.
Here are all the pertinent dates, schedules, and events you should know about at Google I/O 2014.
Google I/O runs from June 25 to 26. If you are interested in watching the Google I/O 2014 keynote as a livestream, you have a couple of options.
Google I/O 2014 is set to feature some very cool products and developments. Here's what you should keep an eye out for.
At Google I/O yesterday, Google announced the Samsung Galaxy S4 Nexus Edition — An S4 that would run a stock Android operating system. Here's what you need to know.
Google Now, Google's version of Siri, will hit desktop computers soon, the company announced at Google I/O today. Here's what you need to know.
At Google I/O 2013, Google unveiled the new Google Maps, which is packed with new features.
Google I/O starts today and we're expecting some big announcements. Follow our live blog and livestream here.
Google I/O starts on Wednesday May 15th, and we're expecting some big releases, including Android 4.3, a new Nexus 7 tablet, and Google Glass news.
Google I/O is set for later this month, and dozens of information is leaking, including info about Android 5.0 Key Lime Pie. Here's what you need to know.
Google hypes its I/O event with tons of Easter Eggs and cool sound effects.


text:
Posted by anonymous
Mr Scharg signed a contract to represent me four months ago in a lawsuit. Four months went by and he did nothing on the case. Then he sent me a letter saying that he was not going to represent me in a lawsuit but he would only send a demand letter and negotiate if the person responded. Two weeks after the person did not respond Mr. Scharg sent me a closing the case letter. He is someone I would definitely not recommend. I feel he's only going to take cases where he thinks he can make the most money.
Posted by johnny
from 107 attorneys this young man showed me that its not all about money like the rest of attorneys telling me bout their fees and hourly rates before they even hear what I have to say or my case I have to present to them in hand,this young man paid attention to my case as if was to be homework and this is the cain of ppl California needs to show with facts bout hes work and the care for others that are lezz forchening to he,s knowledgeament.
Posted by anonymous
Mr. Scharg greatly helped our family in a time of need. He was able to get a great settlement for our family after the passing of our mother at a nursing home. I wholeheartedly recommend his services to anyone seeking an elder abuse attorney.
Posted by Alan
After going through a nightmarish ordeal with my late mother-in-law's estate, Ian helped my wife and I finalize our wills - setting up a trust for our son and making sure he wouldn't have to face the same unnecessary hurdles we did. We were amazed at how straightforward the process of making a will could be! He also helped us deal with a difficult neighbor, who had been harassing us with threatening letters citing property laws we were apparently breaking. Ian showed us that it was our neighbor himself who was breaking those laws, and wrote a very strongly-worded but fair letter to the neighbor, who has since gone silent and quietly remedied the situation. Ian really took a load off our minds and we can wholeheartedly recommend him to others.
Posted by anonymous
Mr. Scharg provided my family with excellent advocacy when my family was in need of help. He was able to make a difference for my family and our loved one. I highly recommend him to anyone in need of an excellent attorney.


text: The arteBA Foundation opens the cultural calendar with the Annual Contemporary Art Fair. The fair aims to bring the high standards of the exhibited works closer to the widest range of people. The visiting public will be able to appreciate under one roof all the variety of offerings shown in outstanding galleries, national as well as foreign. arteBA ratifies its commitment to excellence and high standards and makes special efforts in promoting the purchase of artworks while stimulating and spreading today's art production. This fair is an effort to bring contemporary artworks closer to the general public.


text:
'93 Degrees of Hella Radness!
Famous Maker doesn't like to brag. That's just the name his parents gave him. But he is pretty darn proud of the items he crafts. This one's a full HD TV, and he hopes you'll use it to watch the quality programming ghost written by his cousin, Alan Smithee. Oh, when they get together, there's always so much fun in the house!
1993. The first true web browser, Mosaic, debuts. Boris Yeltsin drowns the last gasp of Soviet communism in cheap vodka. The pop charts are ruled by... uh, the soundtrack of The Bodyguard? OK, '93 wasn't all great. But we're celebrating it anyway, in this Woot-Off, on our blog and forums, and on our Facebook page. HOTT '93: it's all that and a bag of stale chips!


text:
Notice: On March 31, it was announced that Statalist is moving from an email list to a forum. The old list will shut down on April 23, and its replacement, statalist.org is already up and running.
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st: gllamm with panel data
Arantza Ugidos <firstname.lastname@example.com>
st: gllamm with panel data
Tue, 23 Mar 2010 08:49:10 +0100
I am not sure if the gllamm command can be used when we have, for instance,
data on individuals belonging to different households along different years:
In this case i=individual, j=household, k=year
In this case the hierarchical nested clusters would be individual, household
and year and when we write the gllamm command in i(), we have to write
i(household, year). Typing this we have level 1 individual, level 2
household and level 3 year. AM I RIGHT??????
Thanks in advance for your help.
* For searches and help try:
* http://www.stata.com/help.cgi?search
* http://www.stata.com/support/statalist/faq
* http://www.ats.ucla.edu/stat/stata/


text:
About the Institute
President's Office
Welcome to the Office of the President
Governance of the Institute
Institute Groups
Member Tools
The Legacy Foundation (Scholarship Program)
The Professional Institute Legacy Foundation is a visible demonstration of our commitment to the next generation of professionals. The Foundation's sole purpose is to support the education of deserving children across Canada.
Pocket Guide on Consultation
Union-management consultation is a forum where issues can be discussed in an effort to develop and maintain sound and harmonious union/management relations.
Policy on Union Management Relations
Publicscience.ca advocates for support for the science that touches the daily lives of Canadians in so many important ways.
Communications Magazine
Communications Magazine informs on issues and bargaining.
Calendar of Activities
Schedule of Upcoming Meetings
Looking for your Steward?
In Ottawa, the presidents of the three largest unions, the Public Service Alliance of Canada (PSAC), the Canadian Association of Professional Employees (CAPE) and the Professional Institute of the Public Service of Canada (PIPSC) participated in mobilization and information activities to protest the muzzling of Canada's public scientists, interference in the development of public science and obstruction of the collective bargaining process. Similar events took place today in Montreal, Quebec City and Vancouver.
(left to right) Emmanuelle Tremblay, President, The Canadian Association of Professional Employees (CAPE); Robyn Benson, President, The Public Service Alliance of Canada (PSAC): and Debi Daviau, President, The Professional Institute of the Public Service of Canada (PIPSC)
National Capital Region
Communications Magazine informs on issues and bargaining.
ServicePlus, the Professional Institute's member benefits program where you can take advantage of preferential rates and savings on lifestyle protection, financial and consumer products and services.
(wwwp) Copyright © The Professional Institute of the Public Service of Canada / Disclaimer


text:
2009 La Maialina Chianti
Retail: $11.99
$8.98per bottle
Product Description:
"The 2008 Chianti is a very serious wine for the money. The floral aromatics render an impression of accessibility but the darkness and richness of the fruit that follow hint at a far more important pedigree. Dark red berries, flowers and minerals add the final notes of complexity on the impressive finish. This is one of the most rewarding wines readers will find under $10. Anticipated maturity: 2010-2014."


text:
Windsor police have arrested a 17-year-old boy after he allegedly pulled a knife during a family argument.
Officers were sent today around 6 a.m. to the 1200 block of Central Avenue for a report of family violence. Someone in the house was wielding a knife.
Police arrived on scene and eventually arrested the 17-year-old, whose name hasn't been released. He faces charges of having a weapon dangerous to the public peace, assault with a weapon and breach of probation.
There were no injuries.
[pn_facebook_like /]


text:
Notice: On March 31, it was announced that Statalist is moving from an email list to a forum. The old list will shut down on April 23, and its replacement, statalist.org is already up and running.
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st: Quieting regression results for individual dummies
Ari Dothan <firstname.lastname@example.com>
st: Quieting regression results for individual dummies
Sat, 4 Sep 2010 13:40:43 +0300
Hi all,
My sample is made up of 600 firms.
I have an i.id regressor in my fixed effects regressions, indicating
that I want the regression to use all firm dummies.
This results in 600 rows in the output, consisting of the words "ID"
and "omitted", which makes the output cumbersome.
How can I get in my output window the regression results while totally
omitting the 600 redundant rows?
Thanking you
Ari Dothan
* For searches and help try:
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* http://www.stata.com/support/statalist/faq
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text:
LadyGeez42 uses Playfire to track their stats and meet gamers to play with! Get your own profile for free.
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Playfire is the global community for gamers. Get a killer profile, track news & discussion
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© 2007-2017 Playfire Ltd.


text:
Would you like to join us?
Published tisdag 15 januari 2013 kl 15.27
Radio Sweden's English Service needs experienced journalists for short term contracts. We are looking for native English speakers (or equivalent) in the Stockholm area for online and on-air news reporting. Excellent Swedish skills are a must. Send CVs to


text:
|Home > Opinion > Danny Katz > Article
Also in Opinion
Doyle turns to cynical scare tactics
Labor landslide poses a threat to democracy
Howard prepares for a 'Brackslide'
Taking the fight to a conservative bastion
America's spirit of Thanksgiving has a new home
Greens the only credible opposition
Tortured Chinese refuse to renounce God
In Tasmania, they flourish like an algal bloom
China's capitalist revolution begets an economic giant
Greens' vote may echo nationally
The old dears of feminism miss the point with Miss World
Who's best at managing the state's purse strings?
The vote market is open, let the auction begin
Why we have to learn to live with fear
Keeping an eye onwhere the lolly goes
Beat terror, the Australian way
Resolute diplomacy will send message to North Korea
Republic debate: another Kelly hung out to dry
Doyle and Homer - Simpson, that is
Perhaps more a case of one side losing. . .
All the way with a free trade deal
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The interest they receive on their savings is pitiful. The value of their Isa may be looking a bit sick. But their house? It's the best investment they ever made. Yes, the canniest thing one could have done over the past six years was to borrow lots of money, buy a brick box and sleep in it.
The most recent evidence comes from the Nationwide. Its figures show the average price of a home shot up by 2.1% in the past month. Put another way, the price of a home rose by roughly the same in a month as prices in the economy as a whole have risen in the past 12 months. Without question, this is a real boom.
And the result? People - or at least those who own or are buying a house - feel richer. A knock-on effect of this, as has been vividly demonstrated over the past two years, is that they feel increasingly content to take out loans against the value of their houses to spend the money on other things.
You fancy buying a boat? Then borrow against your house. A holiday of a lifetime? Extending your mortgage is clearly the most sensible way to raise the money. Go for it. After all, the value of the equity in your house is going up and up. Why not spend it now? Property prices and consumer confidence go hand-in-hand.
The notion of feeling better off because property prices have risen seems simple. If you move into a house worth £100,000 with an £80,000 mortgage, the value of your stake in the property is £20,000. If the value of the house increases to £120,000 and your mortgage is still £80,000, then the value of your equity is now £40,000. You are wealthier than you were.
But this is a very particular type of wealth. It is not simply a figure on a bank statement. It is not a stockbroker's valuation of a portfolio of shares. You live in a house. It gives you shelter and comfort as well as a warm feeling of becoming wealthier.
And whereas money from a bank account can be spent and shares can be sold, a house is very different. You will never see this extra wealth that is meant to be yours unless you sell up and move to a part of the country where houses are cheaper. (Perhaps a move from Guildford to Bradford might do the trick.) Or you could go the whole hog, sell up and live in a tent. Or, of course, you could do the really decent thing - die and let your children benefit.
The essential point is this. A house worth £100,000 a year ago might be worth £120,000 today. But it is still the same house. It hasn't grown an extra room. The downstairs loo hasn't been retiled. There are no more fruit trees in the garden.
And so a rising property market may well make us feel better off. It may well make our personal balance sheet look stronger. But unless and until we take the Bradford, tent or death options, we are unlikely to see any of this money.
Yes, of course we can borrow for the boat or holiday. But that is merely using the house as security: a loan is still a loan; an extra loan means bigger debts.
And imagine the position of a couple in their twenties. They are first-time buyers. They scrape together sufficient deposit. They scrutinise the personal finance pages to find a good deal on a mortgage. They make the plunge and buy their first, cheap, pokey flat. Then, with their feet on the bottom rung of the property ladder, they watch nervously to see what the market is going to do. It scoots up. They rejoice. Their flat is worth more than they paid for it. Hoorah!
In fact, this reaction is completely irrational. Assuming our young couple don't plan to spend the rest of their days in this one-bedroom flat, they should weep, not cheer, when property prices rise.
They will, at some stage, want to move to a bigger, posher place. Yes, by the time they come to move, the price of the flat they'll sell will have risen. Say it has increased 50% from the £50,000 they paid to £75,000 now.
But what about the house down the road that they now crave? When they moved into their flat, the house was worth £100,000: to move from flat to house would have cost £50,000. Now, the house is worth £150,000, the flat £75,000. They need to find £75,000 to make the move. In short, trading up costs them £25,000 more than it would have done had property prices remained static. Our couple - now approaching their thirties and contemplating parenthood - are worse off because house prices have risen. Tents aren't on the agenda. They certainly don't plan to die for a while. Bradford has yet to beckon. This young couple are the ones suffering the effects of the property boom.
Yet, if you own your home, can you really bring yourself to pray for house prices to stop rising? Can you resist looking smug when the dinner party chat turns to property prices?Reuse content


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This is when you reach for your internet radio. Tune in to WFNX this afternoon at 5pm EST when PETER PRESCOTT of MISSION OF BURMA co-hosts BOSTON ACCENTS. He'll join me live in the studio as we discuss Burma's latest record Unsound, their show Saturday night at the Sinclair in Harvard Square -- we hear a horn section is involved -- and Burma's enduring legacy here in Boston and around the world.
RIBS "Please Don't Go" -- Starting the show today with RIBS, who has their song "Silencer" featured on Teen Mom 2 on MTV last night, only to have it air during the scene where Chelsea's French bulldog Frankie gets mauled and killed by the neighbor's husky. What in the hell?
FAT CREEPS "Dad Weed" -- Two new jams from the Creeps, posted today, from their upcoming split with Zebu off Feeding Tube Records.
Happy Monday everyone, and the start of a new week brings some rad news. Allow me to welcome THE SOUND MUSEUM as the new official sponsor of BOSTON ACCENTS. The long-standing rehearsal and studio complex is this year celebrating 30 years of being a part of the Boston rock scene, and we couldn't be happier having them a part of the WFNX family.
CRASH MIDNIGHT "151" -- New single from the Boston rock crew, off new record Lost In The City out this spring.
TOWNSHIP "All Your Stuff" -- Keeping the theme, catch Township at Radio tomorrow night with Muck & the Mires.
CAT SOUNDS "I Love You"
BENT SHAPES "Panel of Experts" -- Das Shapes released a rad new video today, and play Great Scott on Saturday.
THE DEEP NORTH "Wake Up" -- From their EP of the same name, released in November. Catch them at Church on January 19.
CLOUD COVER "Cannibalism" -- New track from Jenny Tuite of Dirty Dishes. Released on YouTube.
CONFESSIONS "I'll Always Be Your Girl" -- Synthpop project from Amanda Dellevigne of Night Fruit and Alex Garcia-Rivera of Cold Cave/Give Up The Ghost.
Here's today's BOSTON ACCENTS playlist, setting the tone for the full-record stream of the DROPKICK MURPHYS new album, Signed and Sealed In Blood. Listen in tomorrow on WFNX as we are joined in the studio by Westland!
DROPICK MURPHYS "Tessie" -- It's Dropkicks Week here at WFNX, and we gave away a pair of passes to tomorrow's CD release party at McGreevys by asking this question, appropriate with yesterday's end to the NHL lockout: What's the name of the fight song the Dropkick Murphys wrote for the Boston Bruins roughly a decade ago? Answer: "Time To Go"
CALEB GROH "Catastrophic Culprit" -- Kicking off with a track from Mr Groh, who will be moving to Nashville on March 1. We'll miss ya, dude.
THE YEAR MILLION "Twice The Joy" -- Debuting two new tracks from the Year Million, off their new record Broken Circuits.
THE YEAR MILLION "Something Better" -- Opening track off the EP.
First show of 2013! Woo! After devoting all of last week to the Best of 2012, we looked ahead today on BOSTON ACCENTS to what new sounds we can expect in the early months of 2013, including a few cuts from the Boston Phoenix Winter Preview, a teaser of the upcoming Class of 2013 feature, and a few other new jams we've been feeling here at WFNX.
It was a pretty great year of Boston music in 2012. Several bands broke out of the imaginary confines of our city and brought our sound to global audiences, from Amanda Palmer to Converge to Passion Pit to the Dropkicks. But the real sounds of Boston were cultivated around Allston and Somerville, in Cambridge and Brookline, as well as all the surrounding cities and towns, all helping to craft a soundtrack of Boston that felt unparalleled compared to recent years.
THE THERMOSES "Christmas in Allston" -- Recorded a few years ago by Roger from Yale MA/Pretty & Nice, Kevin from Everyday Is A Mixtape and others.
YOU CAN BE A WESLEY "Bamp" -- New fucking music from the Wesleys! Playing New Year's Eve at Pizzeria Regina in Allston with CreaturoS, the Migs and others.
Much <3 to Boston electro-pop duo STEREO TELESCOPE for coming by the WFNX studio today to perform an acoustic set, pick some tunes, and hype up Saturday's Electric Xmas party at Brighton Music Hall in Allston. We also gave away five pairs of passes via our social media sites and text alerts, so congrats to all the winners.
We're all still dragging ass after last night, but that didn't stop NEMES from barging into the studio armed with a box drum, violin and acoustic guitar and laying down some tunes. Go check them out fully-loaded Friday night when they hit Tommy Doyle's in Harvard Square with Dressed For The Occasion, then be on the lookout for a new record from them in 2013.
Posting today's BOSTON ACCENTS playlist with one foot out tha door! Headed to Lansdowne Pub for the WFNX HOLIDAY PARTY, where I'll do my best not to be the grinch. By now, you know the deets, so head down to Fenway and party it up with the crew. Here's what we threw down on the show today.
GOZU "Salty Thumb" -- First taste of new record The Fury of a Patient Man out this April on Small Stone Records.
Quick-hit edition of BOSTON ACCENTS today, the 40-minute variety, as we gave WFNX guests Tegan & Sara some room to breathe in their afternoon session with Sabrina. We still got to mostly everything that was on tap for today, including opening up with a spotlight of the WFNX Holiday Party tomorrow, December 18 at the Lansdowne Pub and featuring MEAN CREEK and THE SCROOGES, with a special Christmas-y performance by THE FIELD EFFECT and DJ sets from KNIFE (Good Life Boston) and others.
Quick shot playlist from today's show, huge thanks to Glenn and Nate from PARLOUR BELLS for dropping by to talk about their new record Thank God For The Night, which you can acclimate yourself with via my recent Cellars by Starlight column in the Phoenix or down below via Bandcamp after the playlist jump.


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E-payment vendor switch could hit Ore. taxpayers
More than 3,000 urged to switch services or method
SALEM, Ore. - A change in the Oregon Department of Revenue's electronic payment service providers could cause some taxpayers to miss payments due in January, the agency advised Wednesday.
The agency's contract with Georgia-based firm Official Payments will expire on January 3.
The agency is sending a letter to more than 3,000 taxpayers who use Official Payments, notifying them of the change and urging them to switch to another electronic payment service or alternate payment method.
"We don't want people to miss a payment to Revenue through no fault of their own, so we are trying to get the word out," Administrative Services Administrator Larry Warren said.
Revenue officials particularly want to reach people who recently established a payment plan through Official Payments, since they likely will not receive the written notice.
"If you've recently set up a recurring payment, you may not get a letter, but your payment will still be affected," Warren said.
Taxpayers who are concerned about their payment plan or have questions about any correspondence they receive from the Department of Revenue should contact the agency at 503-378-4988 or 1-800-356-4222.
Revenue will maintain electronic payment service through a new vendor, Kentucky-based Value Payment Systems, which the agency selected in a competitive bidding process earlier this year.
Taxpayers also have the option of direct debit payments from their checking or savings accounts, a service provided for Revenue by U.S. Bank.
Revenue's payment options for taxpayers are listed at www.oregon.gov/dor/payments.
People frequently use electronic payments to pay personal income taxes, tobacco taxes, and withholding and transit taxes. Options include credit or debit cards, or electronic funds transfers from checking or savings accounts.
"Electronic payments are convenient, safe, and secure, and they are a good way for taxpayers to manage regular payments to the Department of Revenue," Warren said.
Visit www.oregon.gov/dor to get tax forms, check the status of your refund or make tax payments, or call 1-800-356-4222 toll-free from an Oregon prefix (English or Spanish);
503-378-4988 in Salem and outside Oregon; or e-mail, email@example.com. For TTY (hearing or speech impaired), call 1-800-886-7204. Due to the amount of calls the department receives during tax season, you may experience extended waiting times.


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Kashi, Chewy Granola Bars, Cherry Dark Chocolate, 6-2 Bars,1.2 oz (35 g)
Kashi, Chewy Granola Bars, Cherry Dark Chocolate, 6-2 Bars,1.2 oz (35 g)
- You earn loyalty credit for every order you place at iHerb!
- Loyalty credit is equal to 5% of the value of your order, excluding shipping charges.
- Your loyalty credit will be applied towards your next order as soon as your current order has shipped.
- Your loyalty credits are valid for up to 60 days from the date of your last purchase.
Expiration Date:?Oct 2017Expiration Date
The length of time for the expiration date or "best used before" date depends on the type of product, as well as the brand.
Perishable items (such as flax oils or certain probiotics) generally have shorter expiration dates. Although our warehouse is fully air-conditioned, these more fragile items are put in cold storage (freezer or refrigeration unit) for maximum freshness.
Our receiving department does its best to verify and then enter the correct expiration dates for all incoming products. However, discrepancies do occur from time to time. This being said, the exceptionally high turnover at iHerb ensures that our inventory is among the freshest in the industry.
Shipping Weight:?0.65 lbsSwitch to Metric units
- Product Code: KSH-03003
- UPC Code: 018627030034
- Package Quantity: 6-2 Bars,1.2 oz (35 g)
1.9 x 5.7 x 5.8 in, 0.55 lbsSwitch to Metric units
|Combo Discount:
|- $4.01
- The Seven Whole Grain Company
- No High Fructose Corn Syrup
- 5 g Protein
Help yourself good-for-you goodies! With wholesome, natural ingredients, our chewy bars make snacking satisfying and delicious.
Our Cherry Dark Chocolate Kashi Chewy Granola Bars
- Red tart cherries and a tasty sprinkling of rich dark chocolate chips.
- 7 Whole Grains Our unique combination - for hearty, natural goodness you can see and taste.
- 4 g Fiber* A tasty way to get fiber you need.
- 5 g Protein From crispy soy grahams.
- Naturally Sweetened Sun-dried fruit, dark chocolate and wildflower honey for a touch of natural sweetness.
At Kashi, our mission is to change healthy eating from effort to enjoyment. For over 25 years, we've been dedicated to making tasty, natural foods with positive nutrition and great taste. We leave out the artificial ingredients and leave in the good-for-you goodness, so you can snack with satisfaction and feel great about it!
Other Ingredients
Rolled whole grain blend (hard red wheat, oats, rye, triticale, barley), brown rice syrup, cherries (cherries, apple juice concentrate, red tart cherry juice concentrate), semisweet chocolate (evaporated cane juice, chocolate liquor, cocoa butter, soy lecithin, vanilla), soy protein isolate, soy gritis, evaporated cane juice crystals, chicory root fiber, evaporated cane juice syrup, honey, corn flour, expeller pressed canola oil, rice starch, vegetable glycerin, oat fiber, evaporated salt, kasha seven whole grains & sesame blend (whole: hard red wheat, sesame seeds), natural flavors, molasses, soy lecithin, whey protein isolate, almond flour, peanut flour.
Contains wheat, almond and soy ingredients.
May contain peanuts and other tree nuts.
|Supplement Facts
|Serving Size: 1 Bar (35 g)
|Servings Per Container: 6
|Amount Per Serving
|%Daily Value*
|Calories from Fat
|Total Fat
|2 g
|Saturated Fat
|0.5 g
|Trans Fat
|0 g
|Polyunsaturated Fat
|0 g
|Monounsaturated Fat
|0.5 g
|0 mg
|65 mg
|Total Carbohydrate
|24 g
|Dietary Fiber
|4 g
|Soluble Fiber
|1 g
|Insoluble Fiber
|3 g
|8 g
|5 g
|Vitamin A
|Vitamin C
|*Percent Daily Values are based on a 2,000 calorie diet. Your daily values may be higher or lower depending on your calorie needs:
|Total Fat
|Less Than
|65 g
|80 g
|Sat fat
|Less Than
|20 g
|25 g
|Less Than
|300 mg
|300 mg
|Less Than
|2,400 mg
|2,400 mg
|Total Carbohydrate
|300 g
|375 g
|Dietary Fiber
|25 g
|30 g
|50 g
|65 g
veldig gode
Verified Purchase
veldig gode
billige barer som er sunne og metter mye. vil kjøpe igjen
Taste good
Posted by 4660050246955469919 on Feb 26, 2017 | Verified Purchase
The taste is good, chew is easy
Posted by 5431472914609121444 on Feb 04, 2017 | Verified Purchase
Delicious, they disappear fast!
Product as expected.
Posted by 5609765278799722104 on Oct 03, 2016 | Verified Purchase
Product as expected but US granola bars are very sweet (hence 4/5 purely based on my taste preference).
great pre-workout snack
Posted by 5051026050244934267 on Aug 09, 2016 | Verified Purchase
my go-to before working out! taste great and provides me with sufficient energy before a workout!
The best
Posted by 5590320303293595661 on Apr 07, 2016 | Verified Purchase
The best I have ever tasted.


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Google Analytics just pushed through two updates. First, to keep up with the massive rush of data plus the never ending change happening on the web, John Jersin of the Google Analytics Team announced the launch of Google Analytics Real-Time, which is a set of new reports that show what's happening on your site as it happens. It's an important step for Google to make given the direction real-time and big data trends are headed, and Google's been finding different areas to apply real-time capabilities, including a big search update several months back. Google's not the first in this game, but it's going to have to tack on real-time to everything it can in order to remain competitive and prove a leader in this area.
The new Real-Time offering measures the immediate impact of social media on your site and it makes sure campaign tracking is correctly implemented before launching one. The feature is slowly being rolled to users, but Jersin says that the feature will be available to everyone using the new version of Google Analytics. The feature comes from Google's acquisition of Canadian start-up real-time analytics firm PostRank back in June.
But rival Clicky is unimpressed with the new feature, saying it's not really "real-time" but only one data released at the moment. "This isn't 'real-time Google Analytics,' this is a single report in GA that is real time," Clicky wrote. "The rest of GA remains the same. This is more akin to Chartbeat, to be used as a real-time compliment to a standard analytics package, rather than a full standalone real-time service like Clicky is."
The second update is the new Google Analytics Premium, which is basically the paid version of Google Analytics. In general, Google Analytics is used by small and big web site owners, and owners of personal blogs to large enterprises whose products and services are used daily. But some customers informed Google Analytics that they have needs that the current Google Analytics doesn't address. Google Analytics teamed up with Gucci, Travelocity, TransUnion, eHarmony and others on the Premium feature, all based on more data, advanced tools, dedicated support and guarantees.
Google Analytics Premium is available for $150,000 fixed annual fee in the United States, Canada, and the UK. You can get it directly from Google Analytics or through Google Analytics Premium Authorized Resellers.


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Would you like to save as your currency permanently or for this visit only?
15 tims skijing Prises
Friendly staff, grweat location, lovely spa and swimming pool the single room had no view and no bath but i think i got the last room so fair enough! i saw some doubles which were fantastic
Extremely friendly staff and dedicated services for each person almost targeting perfection!!! Great experience! I was a little bit dissapointed about the diferrence between the website presentation about location, suggested right on the slopes and next door to ski school. In reality is not ski in/out facility and the school is close but not next door. Actually for the meeting point you should walk in ski boots about 400 meters and cross the main road. And for ski slopes you should walk in any direction at least 200 meters. Maybe it's not too far but I've chosen this hotel because of ski in/out and ski school location . The rest is perfect!
I liked very much the personal attention that I was given by two members of their staff Mrs.Tanja and Mr.Markus The quality level of the room was under no circumstances equivalent to a four stars hotel and definetely we were overcharged and unfortunately we had absolutely no understanding from the manager of the hotel Mrs.Rigele herself which was really a shock having in view this is a family owned hotel and they only stand by their reputation
The location was its strongest point. It is located 50m just across bridge 5 right at the slopes. The hotel staff was young, friendly and helpful. The beds were horrible. The mattresses offered no support. They were soft with a big dip in the middle and tilted to one side. We changed our room once while we were there. The beds in both rooms had the same problem. Those mattresses need to go. The hotel has no English channels available (No BBC, CNN, HBO, etc.). Hotel Kohlmayr is not a bad hotel but it is way too expensive for what it is. We paid 105.00 EUR per person per night. I cannot recommend this hotel for this price.


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Power ties, expensive purses–we have many ways to dress to impress. In doing so we are making an effort at a certain kind of coercion. We are demanding that others look at us, that people see us in a certain way. This of course can take many forms. For some, dressing like someone straight from Goodwill has the same desire and effect. Instead, dress in a way that doesn't draw attention of any kind. Wear clothes that are plain, but not noticeably so. See if you can interact with people in a non-coercive way of which dressing plainly is only the beginning.
Dress to (Not) Impress
August 7, 2012 by Ragan Sutterfield Leave a Comment
Filed Under: Simplicity Tagged With: dress to impress, non-coercive, power ties, simplicity Leave a Comment
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About Ragan Sutterfield
Ragan Sutterfield is a writer and Episcopal seminarian sojourning from his native Arkansas in Alexandria, Virginia. He is the author of This is My Body: From Obesity to Ironman, My Journey Into the True Meaning of Flesh, Spirit, and Deeper Faith (Convergent/Random House 2015).


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Partnering with clients to provide on-demand contract lawyers, giving in-house legal teams the confidence to be agile.
Tony Dhar is a funds and financial services law specialist. He has extensive experience acting for leading Australian and global fund managers, institutions and government bodies. Tony advises a broad range of industry participants including issuers and distributors of retail wealth management products, institutional and government funds, trustee companies, debt and notes issuers and listed investment companies. He also advises prudentially regulated businesses such as superannuation trustees, insurers and specialised financial institutions. 25 years in practice, his transactional expertise spans fund formation, investments and restructures, A-REIT listings, capital raisings, demutualisations and business sales and transfers. He provides strategic advice on product development, fund structuring and investments, regulatory and governance matters, responsible entity and trustee duties. He also regularly advises clients on disclosure, financial services licensing and exemptions, member approval processes, deed interpretation and amendment, anti-money laundering and statutory approvals under FIRB, Financial Sector Shareholding and Insurance Act requirements. His clients include such leading organisations as Australian United Investment Company, Capital International, Goldman Sachs & Partners Australia, Hertz, Interactive Data, Lazard, MyState Financial, Neuberger Berman, Southern Finance, and The Trust Company. Tony has worked as an international lawyer in Singapore, and is a regular speaker and author on Corporations Act and funds management topics.
There is momentum behind the recognition of financial risks and opportunities associated with climate change and environmental, social and governance (ESG) factors in over the horizon investment decisions. This is driven not only by ethical shareholder groups but increasingly on the international scene by leading institutions who are proactively engaging with the associated valuation, risk management and disclosure issues. These changes shape debate around the investment of client funds in Australia (where there is no member-direction) and could be the tipping point that mainstream trustees and portfolio managers would be ill-advised to ignore.
MinterEllison is acting as Australian counsel on the largest-ever industrial property deal in Australia
The rules have been released that govern the new Significant Investor Visa (SIV) regime and introduce the Premium Investor Visa (PIV) regime. The new rules came into effect on 1 July 2015.
MinterEllison has won an FT Innovative Lawyers Award for our technology-driven solutions to help clients manage their businesses.
Austrade and the Department of Immigration and Border Protection (DIBP) have announced the new framework for complying investments for significant investor visa (SIV) and premium investor visa (PIV) applications to take effect on 1 July 2015.
The ASX has amended its Operating Rules to enhance disclosure requirements and facilitate the expansion of non-conventional exchange traded funds (ETFs), such as synthetic products and foreign collective investments, on ASX AQUA. Current and prospective issuers of ETFs and Managed Funds on ASX AQUA need to understand the new requirements and ensure compliance with them.
Significant Investor Visa (Subclass 188) nominations (and invitations to lodge a formal application) will be temporarily suspended from 24 April 2015 until 30 June 2015, the Department of Immigration and Border Protection (DIBP) has announced.
Austrade and the Department of Immigration and Border Protection (DIBP) are developing a new framework for the Significant Investor Program (SIV) visa, including a new Premium Investor Visa (PIV) category).
The Australian financial services industry is undergoing significant reform aimed at improving the trust and confidence of Australian retail investors in the financial planning sector. The reforms are the Australian Government's response to the Parliamentary Joint Committee on Corporations and Financial Services' Inquiry into financial products and services in Australia.
Minter Ellison has been "Highly Commended" for its innovation in corporate strategy by the Financial Times, which this week launched its inaugural FT Asia Pacific Innovative Lawyers Report.
The Anti-Money Laundering and Counter-Terrorism Financing Rules Amendment Instrument 2014 (No.3) (Cth) came into force on 1 June 2014, requiring reporting entities to make changes to their AML/CTF programs and customer due diligence procedures. The new rules follow extensive consultation by the Australian Transaction Reports and Analysis Centre.
On 28 April 2014, Australia entered into an Intergovernmental Agreement with the United States of America to improve international tax compliance and implement the US Foreign Account Tax Compliance Act. Exposure draft legislation has also been released by the Australian Treasury which will give domestic effect to our obligations under the IGA.
The Tax Agent Services Act 2009 (TASA) has been amended, heralding significant changes to the way financial planners are regulated. Financial planners will need to understand the boundaries between providing purely financial product advice and a tax (financial) advice service, and to determine whether they need to register with the Tax Practitioners Board (TPB) as Registered (Tax) Financial Advisers from 1 July 2014.
The Corporations and Markets Advisory Committee (CAMAC) has released a broad discussion paper to review the establishment and management of schemes, which opens up all aspects of the legislative structure. This is a continuation of the review which produced the CAMAC July 2012 Report, and may provide a useful indication of the issues that the Financial System Inquiry will consider in relation to managed investment schemes.
ASIC issued Class Order [CO 13/1621] on 7 January 2014 to exempt responsible entities (REs) from the application form requirements of section 1016A.
Congratulations to b2cloud, the developer of Minter Ellison's innovative BoardTrac app, on being named in the top 20 in Deloitte's Fast 500 Asia-Pacific list of the fastest growing companies in 2013.
The Australian Transaction Reports and Analysis Centre and the Commonwealth Attorney-General's Department, has released an Issues Paper as part of the 'seven-year post-implementation review' of Australia's Anti-Money Laundering and Counter-Terrorism Financing legislative and regulatory regime. Stakeholders are invited to provide input into the overall operation of the AML/CTF Act and to identify areas of deficiency or possible enhancement.
The federal government today released a discussion paper seeking feedback on measures to improve super fund governance, finish outstanding Stronger Super transparency measures and enhance competition in the default super market.
On 27 November 2013 ASIC released its updated Information Sheet 155: Complying with requirements for superannuation products and simple managed investment schemes (INFO 155) The updated INFO 155 follows an ASIC industry review of shorter PDSs issued since the commencement of the shorter PDS regime in June 2012 and provides some useful comments as to how ASIC interprets and intends to regulate some of the more technical requirements and lodgement protocols of this regime.
While the majority of the Stronger Super reforms have now commenced, a number of changes are due to come into effect at the end of 2013. With this date now rapidly approaching, we wanted to provide you with the tools for a Stronger Super 'health check' to make ensure sure you are prepared to start the new year in strong form.
The government has released the draft Terms of Reference for the Financial System Inquiry and announced that it will be headed by David Murray, former CEO of the Commonwealth Bank. The Inquiry has one year to deal with a very large agenda covering all aspects of the Australian financial system.
On 6 November 2013 the government announced its position on 92 previously announced but unlegislated tax and superannuation measures. The announcement provides a timetable and process to implement (or abandon) previously announced reforms and will provide greater certainty for the business sector on the fate of some important tax measures.
The Australian Securities and Investments Commission (ASIC) has released class order relief for AQUA market exchange traded funds (ETFs) as proposed and described in its consultation paper (CP196) released in December 2012.
In a move that will be welcomed by the managed funds industry, the Australian Securities and Investments Commission (ASIC) has narrowed the definition of 'hedge fund' in Class Order 12/749 with effect from 3 October 2013. ASIC has also amended and re-issued Regulatory Guide 240 – Hedge Funds: Improving Disclosure (RG 240) to reflect the changed definition.
AUSTRAC, in association with the Commonwealth Attorney-General's Department, has released a discussion paper that sets out proposed amendments to the Anti-Money Laundering and Counter-Terrorism Financing customer due diligence regime. The proposed changes are a response to the revision of international AML/CTF CDD standards by the Financial Action Task Force, and consider whether the Australian AML/CTF regime could benefit from the adoption of the revised FATF standards.
On 9 May 2013 the Australian Prudential Regulation Authority released draft Prudential Standard CPS 220 – Risk Management, draft updated Prudential Standard CPS 510 – Governance and accompanying Discussion Paper – Harmonising Cross-Industry Risk Management Requirements, for public consultation. The standards affect ADIs and life and general insurers. APRA has proposed the cross-industry standards as part of its broader harmonisation and consolidation process, which has already seen the implementation of harmonised prudential standards on outsourcing, business continuity management, governance and fitness and propriety. However, in addition to harmonisation, the standards also include significant new risk management governance requirements.
As part of the federal government's 'Stronger Super' package of reforms, new portfolio holdings disclosure obligations will be imposed on trustees of registrable superannuation entities (RSEs). The federal government has now released draft regulations which set out the manner in which portfolio holdings will need to be disclosed.
On 26 April 2013 Treasury released the Government response to the Parliamentary Joint Committee on Corporations and Financial Services report on the collapse of Trio Capital and to the Richard St. John report on Compensation arrangements for consumers of financial services. Although preliminary, the response gives a clear signal to industry regarding the shape of future developments in financial services regulation.
A number of FSA regulated investment managers and advisers who provide financial services to wholesale clients in Australia rely upon on the exemption from the requirement to hold an Australian financial services licence (AFSL) pursuant to Class Order 03/1099 (Class Order).
The Australian Securities and Investments Commission (ASIC) is proposing to amend the Class Order so that the change in the UK regulator from the Financial Services Authority (FSA) to the Financial Conduct Authority (FCA) will not of itself trigger any notification requirement to ASIC by these providers (having regard to the notification requirement contained in the Class Order).
On 15 February 2013 the New Zealand Financial Markets Authority (NZFMA) announced its review of the Financial Advisers (Australian Licensees) Exemption Notice 2011 (Exemption Notice), due to expire on 30 June 2013 (the Announcement).
The Government has registered the third tranche of the FOFA regulations, with some significant changes. For your information we have summarised the key changes. A copy of the regulations and the explanatory statement is attached.
The Australian Securities & Investments Commission has released ASIC Consultation Paper 194 setting out proposed financial requirements for custodians, responsible entities holding scheme assets, IDPS providers and wholesale trustees.
ASIC has released a new consultation paper in relation to the Future of Financial Advice (FOFA) legislation. This paper focuses on approval of codes of conduct for the exemption to the opt-in requirement for ongoing fee arrangements. Consultation paper 191 (CP 191) invites public feedback with submissions due by 4 December 2012. At the same time, the Financial Planning Association (FPA) has released a consultation paper on changes to its code which in part seek to address the opt-in requirement.
In determining that a litigation funding agreement between International Litigation Partners Pte (ILP) and Chameleon Mining NL (receivers and managers appointed) (Chameleon) is a credit facility under Chapter 7 of the Corporations Act 2001 (Cth) (Corporations Act), the High Court has taken a very broad interpretation of 'credit facility', which could, in turn, bring the regulatory treatment of a number of financial instruments, including swaps and other derivatives, into doubt.
ASIC has released a consultation paper on the conflicted remuneration provisions under the Future of Financial Advice (FOFA) legislation. Consultation Paper 189 (CP 189) invites public feedback with submissions due by 9 November 2012.
The Government has also finally released grandfathering regulations for payments by platforms. It has also indicated that it will not be making the draft grandfathering regulation released in May 2012.
On 16 July 2009, the Australian and New Zealand Governments entered into the Trans-Tasman Retirement Savings Portability Arrangement (Arrangement).
The Arrangement was stated as having the intention of enhancing a seamless trans-Tasman labour market by providing the ability for retirement savings to be transferred between an Australian complying superannuation fund and a New Zealand KiwiSaver scheme, with minimal compliance and administration costs. The Arrangement is subject to a number of restrictions, as outlined in the Arrangement document.
ASIC has revisited the long standing guidance contained in Regulatory Guide 134: Managed investments: Constitutions and released Consultation Paper 188: Managed investments: Constitutions – Updates to RG 134.
The Australian Securities and Investments Commission (ASIC) has released a report (298) on its review of the adequacy of risk management systems adopted by responsible entities (REs) of registered managed investment schemes.
On 27 August 2012, the Financial Services Council released its "Superannuation Governance Policy" (FSC Standard) which sets out proposed new binding requirements on FSC members that hold an RSE licence to operate public offer funds.
Following discussions and consultation with the industry, the Corporations and Markets Advisory Committee (CAMAC) has published its report on Managed Investment Schemes providing recommendations to the Government on various matters concerning the regulation of managed investment schemes under Chapter 5C of the Corporations Act.
This alert outlines some of the key proposals recommended by the CAMAC.
On Tuesday 31 July, ASIC released enhanced financial requirements for Australian financial service licensees who issue over-the-counter (OTC) derivatives to retail clients. ASIC had found that poorly resourced issuers of retail OTC derivatives are less likely to carry out adequate supervisory measures and therefore more likely to have compliance breaches. The enhanced requirements are in response to ASIC's May 2011 consultation paper and have been introduced to ensure that licensees have adequate financial resources to better manage their operational risk. The new requirements commence on 31 January 2013.
The Australian Securities and Investments Commission (ASIC) has announced the outcomes of its recent review of responsible entities which addresses registered managed investment schemes in the unlisted property sector.
Recently, the Australian Securities and Investments Commission released Report 291: Custodial and Depository services in Australia, which sets out ASIC's views on 'good practice' for responsible entities, platform operators, brokers and custodians on a range of issues relevant to custody of assets. It also signals other matters that ASIC intends to consult on with a view to updating its current guidance. Shortly prior to the release of ASIC's Report, the European Commission released its proposal for amending Directive 2009/65/EC on the remuneration policies of management companies and depositary functions relevant to undertakings for collective investment in transferable securities We summarise the issues and proposals raised in ASIC's Report and the EC's proposal in this update.
FMA and the Australian Securities & Investments Commission (ASIC) released yesterday mutual recognition arrangements for the financial adviser industry. These will come into effect on 6 July 2012. The regime will facilitate both Australian and New Zealand financial advisers to provide services in each other's countries based on the qualifications and experience they have gained in their home jurisdictions.
ASIC has issued guidance to assist issuers of superannuation products and simple managed investment schemes comply with the shorter product disclosure statement (PDS) regime. The shorter PDS regime commences fully on 22 June 2012 and is designed to make PDSs shorter and simpler, and help consumers compare financial products more easily. Issuers of new products have been required to comply with the regime since 22 June 2011 and other product issuers have been able to voluntarily opt-in.
The Australian Government has released draft regulations under the yet-to-be-passed Future of Financial Advice (FOFA) legislation. The regulations have been released in two tranches, and cover:
The report by Mr Richard St John into compensation arrangements for consumers of financial services, released on 8 May 2012, has recommended the consideration of key reforms which could have a significant impact on the financial sector. We analyse the report and discuss its key recommendations and their implications for licensees, product issuers and consumers.
Minter Ellison's Anthony Oxley and Tony Dhar provide comment on ASIC's new regulatory guidance in relation to advertising financial products and advice services.
The Australian Securities and Investments Commission (ASIC) has released Report 282 Regulation of exchange traded funds which explains its position on various regulatory aspects of exchange traded funds (ETFs) and outlines the key areas it will focus on as the rapidly growing ETF market continues to develop in Australia.
Australia's carbon pricing mechanism which was introduced by the Clean Energy Legislative Package, will commence on 1 July 2012. Emissions units recognised under the Clean Energy Legislative Package will be considered as financial products under the Corporations Act from that date.
Following a review of the platforms sector conducted in 2011, the Australian Securities and Investments Commission (ASIC) has released a Consultation Paper proposing a number of changes to its investor directed portfolio service (IDPS) policy.
A second exposure draft of legislation to introduce an Investment Manager Regime (IMR) to Australia was released by the Minister for Financial Services and Superannuation, the Hon Bill Shorten MP on 7 March 2012. In this Australian Tax Brief we summarise the key objectives of the IMR and analyse some of the core requirements – including what is an IMR foreign fund and what IMR income is not subject to Australian tax.
The Parliamentary Joint Committee on Corporations and Financial Services (PJC) released its report on the Future of Financial Advice (FOFA) on 29 February 2012 confirming that the 'vast majority' of FOFA provisions should commence on 1 July 2012. The PJC does, however, embrace ASIC's proposal to adopt a facilitative approach to enforcement during the first 12 months, but only where breaches are inadvertent and the result of systems issues. It also embraced the view that ASIC adopt a facilitative approach to enforcement during the first 12 months, demonstrating a measure of accommodation to industry participants where breaches are inadvertent and the result of systems issues. We discuss the key PJC recommendations and summarise the Coalition recommendations in this Alert.
ASIC has issued revised financial requirements for responsible entities of managed investment schemes. The new provisions become operative on 1 November 2012 for both existing and new responsible entities.
On 13 October 2011, The Australian Government tabled part of the first tranche of the Future of Financial Advice (FOFA) legislation in the House of Representatives. A number of changes have been made to the Exposure Draft which was released on 29 August 2011, including the removal of the best interests duty provisions. A further draft of these provisions is expected to be released for public consultation in the near future.
The Supreme Court has rejected the application of the Premium Income Fund case interpretation of section 601GC(1)(b) of the Corporations Act 2001 (Cth) (Corporations Act) and confirmed that the responsible entity had the power to make issue price amendments to scheme constitutions without unitholder approval. In doing so, the Court also provided some valuable guidance regarding a responsible entity's fiduciary duties to act in the best interests of members.
On Wednesday 28 September, the federal government released the second tranche of draft legislation (including an Explanatory Memorandum) designed to give effect to its Future of Financial Advice (FOFA) reforms. The draft Bill addresses conflicted remuneration (including product commissions, volume payments and 'soft dollar' payments). Surprisingly, long-awaited provisions dealing with the 'grandfathering' of existing commission arrangements have been left out of the draft legislation. In this Alert, we will briefly consider the main provisions of the draft Bill, and what their impact is likely to be. The deadline for submissions to Treasury on the draft Bill is 19 October 2011.
Yesterday, the Australian Government released its Stronger Super Information Package. The Assistant Treasurer, The Hon Bill Shorten MP stated that he expects the Stronger Super legislation to be released in tranches over the next 9 months, with consultation to be undertaken on each tranche. The first tranche dealing with MySuper is expected to be released within a month.
The Australian Government has released for consultation the Exposure Draft of the first tranche of the long-awaited Future of Financial Advice legislation. It covers the best interests duty, a new client priority duty, the opt-in requirements and enhancements to ASIC powers. There are also a few surprises — including the replacement of section 945A 'know your client' with some very prescriptive requirements for complying with the best interests duty. Submissions are due on 16 September 2011.
Australian tax reforms for foreign funds
On the first anniversary, almost to the day, of the release of the Future of Financial Advice reforms (FOFA), the Australian Government has announced the outcome of consultations on its proposals.
ASIC is proposing to overhaul prospectus disclosure by requiring disclosure on specific topics and restricting the use of photographs in a prospectus. On 12 April 2011, ASIC issued 'Consultation Paper 155: Prospectus disclosure: Improving disclosure for retail investors' together with a draft regulatory guide (together, 'CP 155') for industry consultation.
AUSTRAC recently released its supervision, enforcement and intelligence strategies for 2011 and beyond, providing an indication to industry of its regulatory focus in the coming years.
Integrated AML is an essential aid for in-house legal teams, compliance officers and risk managers. It is designed to help organisations to understand and comply with their obligations under the Australian anti-money laundering regime. Integrated AML brings together the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and related rules, regulations, explanatory materials, guidance notes, policies and AUSTRAC material in a single easy-to-use package.


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Comparison of Lighting Types (Lumens and Watts)
1 Attachment(s)
Comparison of lighting for PlantedTank.net
This article is designed to compare several popular lighting types in terms of power (Watts) and light (Lumens) only. Issues such as spectrum and lighting selection will not be addressed.
Link to WPG: Lighting: the WPG rule
Eric Olsens comparison: Lighting Level for Aquatic Plants
Energy/area method: foot-candles, lux, lumens, sunlight, PAR
DIY (do it yourself) projects have an inherent risk above standard operation. Any DIY ideas mentioned here are for completeness only and does not constitute and endorsement. Water and electricity do not mix!
Guides the PAR/PUR alternative for can be found at light compareand DefBlog - PUR-efficiency list
Total intensity is expressed as lumens (lm).
Power as Watts (W).
Power levels: Normal Output (NO), High Output (HO), Very High Output (VHO), and Over-Driven Normal Output (ODNO)
Summary Table:
* Quote: Buy Tools, Lighting, Electrical and DataComm Supplies at GoodMart.com unless noted
# fluorescent bulbs = 4,
## (high, - (quoted) - low), lm/W from mean value
### multiplier of intensity to compare T12. Ie 28W T5 = 1.37 W T-12.
Example 2 WPG T5 = 2.74 WPG T12.
Incandescent bulbs
Operation described here: Diagram of a Light Bulb
Aquarium 15 W bulb ~7.4 lm/W.
Color ~2850K
Linear fluorescent lamps
Operation described here: How do Fluorescent Lamps work?
Bulb diameter: T-12 -> 12 one-eighths or 1.5. (T8 = 1)
Medium bipin contacts used for T12 NO, T10, T8 and T6 in standard lengths.
From ~3000K to 6700K
High Output
T12 High Output variants: The HO and VHO T12 lamp use recessed double contact to prevent interchange and operate by increasing the current (T12 NO = 430 mA, HO = 800 mA, VHO = 1500 mA)
T5 High Output variants: The T5 and T5 HO use the same miniature bipin contact but require a load sensing ballast.
Ballast power factor is the ratio of the lamp design current over the supplied ballast current.
For example a energy saving T12 ballasts can have 0.88 power factor resulting in 2775 lumens X 0.88 = 2376.
Fluorescent lamps can be overdriven with a high power factor ballast, or creative wiring. Over-Driven Normal Output ODNO is covered in depth here: www.plantedtank.net/odno.html
Rule of thumb is 2X = 50%, 3X = 75% lm, 4X = 100% increase.
The member Shalu notes that some combinations actually become more efficient when OD. Suggested that 2x OD 18" T8 outputs 2.5x light!
Other lamps:
Spiral Compact as screw in type. Total lm quoted, expect significant loss to restrike.
Reports that power compact (PC) are bent T5 with 55/66W power dependent on ballast, not bulb.
HID operation: How does an HID lamp work?
The above post is designed to directly compare lamp types in terms of Lumen and Watts. Response to: http://www.plantedtank.net/forums/sh...ad.php?t=20939
This article does not address issues such as how much light you need for a given tank or what spectrum means. I recommend you visit:
Finally, this is a draft. Please post typos and I will attempt to fix. For example the table appears at the bottom and not under "summary table" where it should. Please do not post "corrected" bulb values of less than ~10% difference.
Ok, I swapped my Advance REL-4P32-SC out for a workhorse 8.
So the advance is spec at 0.94A for 4 X 4' T8 or 235mA.
The rated current of a 4' T8 is 265.
so 235/265 88% power factor!!!
Now the WH quotes PF > .90.
This is a great article! I did have one question though. The caveat it I know very little about lighting, and its measurements. Is this saying that in order to get the same ammount of light from LEDs as 40 watts of T12 I would need 91 watts worth of LEDs? I am having a hard time believing this, as my one watt LED headlamp is enough to blind you. I can't imagine 90 of these.
I guess I am asking more about what is a lumen. Isn't it a measurement of how much light we can see?
I love wikipedia.com
Lumens doesn't tell much how good a bulb is growing plants because lumens is weighted towards human response (our eyes are sensitive to yellow-green, the same light plants *reflect*):
so does this mean we only go for what has the best K rating? what is the best K rating forour plants?
we have found an 18Watt philip Flousresecent light with 6200K rating. would that be good enough?
Should work just fine. Anything between 5000k and 10000k will work. 5000k will be more yellow to the eye and the higher "K" you go the more white/blue it will look.
The above article intentionally does not cover color, reflectors, or best bulb to keep the focus on bulb types. The good news is that bulbs are cheap so feel free to try a bunch of combos until the aquarium is most pleasing to you.
So if I got four of these bulbs..http://www.lightbulbsdirect.com/page...2-D-HO....over a 100 gallon tank equaling up to about 2.2 watts per gallon...would that be ok for a low to medium lighted planted tank??
Do most people who use t-12 lighting have the recessed end like it shows in the link above? I havent been able to find and bulbs over 40 watts with the two prongs at the ends like normal fluor. bulbs.....
Good research and info, have you done any research into the T8 tri/quad/penta phosphor tubes?
Why discuss lumens for their effectiveness on aquarium plants? Lumens is meaningless for plants. Plants do not utilize green light for photosynthesis. A higher lumen rating at the same wattage often means greener light. Lumen is a rating weighted entirely towards human perception. It has little to do with the value of a light for either growing or viewing plants.
Lux is lumens/square meter, so they are similar. They are both defined in terms that are meaningful to human perception of light not plants. They stress the amount of energy in the green band to which humans are most sensitive not plants.
Lumen is a measure of flux, or how much light energy a light source emits (per unit time). The lumen measure does not include all the energy the source emits, but just the energy with wavelengths capable of affecting the human eye. Thus the lumen measure is defined in such a way as to be weighted by the (bright-adapted) human eye spectral sensitivity.
The standard measure that quantifies the energy available for photosynthesis is "Photosynthetic Active Radiation" (aka "Photosynthetic Available Radiation") or PAR. This is blue and red light. This is why it is so important to get the spectral output of a bulb before deciding if is a 'good plant light'. You may need to add/mix bulbs to get a lighting that has good visual effects for the human eye and proper light for plants; because 'plant bulbs' tend to be purplish.
I agree Newt. PUR-efficiency is a better way of comparing how much photosynthetic "power" you get for the electricity bill.
PUR is PAR too, but weighted towards a general photosynthetic action spectrum - which limits the importance of green and yellow.
Aqua Botanic-light bulb comparison
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Fluids and Electrolytes, 3e
A comprehensive text that focuses on fluid, electrolyte, and acid-base disorders. It addresses both specific electrolyte disorders and clinical conditions associated with electrolyte imbalances. Includes chapters on electrolyte disturbances in pediatric patients, and starvation and nutrition.
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