text:
In a report likely to sound more alarm bells over pensioners getting ripped off, the group said 35% more mortgage equity withdrawal loans were signed in July than a year ago. By value, the figure was 40% higher.
MEW - where homeowners unlock cash tied up in their properties to spend on major purchases such as a holiday, a new car or kitchen - have surged in popularity as an easy and low-cost form of borrowing.
However, many of the borrowers are elderly people wanting to supplement their pensions, and groups such as the National Consumer Council and the Consumers' Association fear that they are not being given adequate advice.
Overall net mortgage lending rose by £5.5bn in July, up 11% on June's figures. The number of house-purchase loan approvals was 5% higher than a year ago, indicating the housing market is still buoyant.
BBA executive director Roger Brown said: 'A notable feature of the approvals figures was the scale of the demand for loans for equity withdrawal.'
Credit card borrowing also picked up, rising by £396m against £199m the previous month.
Sweet release
Long, slow road to property price crash
Discuss equity release


text:
Political Leadership Is Necessary To Prevent And End Global Conflicts
By Ben Ofori
This post is the first of a seven-part series on the themes of the High-Level Leaders' Roundtables at the first-ever World Humanitarian Summit, to be held May 23-24 in Istanbul, Turkey.
Going into the World Humanitarian Summit (WHS) in Istanbul, there are good reasons why conflict and violence remain high on the agenda, but these reasons are not new. Conflicts and violence exact a brutal toll on people and affected communities as tragic civilian deaths, injuries, rape and torture become a daily experience. Vital infrastructures like schools, health and water systems are destroyed, and children no longer in school become vulnerable to abuse and trafficking.
Agriculture and food production ceases, food stocks are depleted and acute hunger and malnutrition take their toll. People flee their homes into neighbouring towns or countries and some brave treacherous seas in search of refuge as seen in the graphic imageries of Syrians fleeing to Europe. The list goes on. Essentially, as the UN Secretary General notes in his report for the World Humanitarian Summit (WHS), "countries coming out of prolonged civil war are never the same, their social and political fabric [are] changed forever."
Changing complexity of today's conflicts
Today's violent conflicts are notable for their number and complexity. There were 11 major civil conflicts in 2014, up from four in 2007-2011. The sheer numbers of actors and their divergent interests further prolong and make it difficult to resolve conflicts. Cities and urban areas have become major theaters of war and transnational criminal and extremist groups thrive in conflict and fragile states, prolonging violence and frustrating state-building efforts. In effect, the prospects of negotiating peace have become more difficult.
Meanwhile, conflicts exact a heavy burden on the humanitarian response capacity and resources of the international community. Nearly two-thirds of UN peacekeepers and about 90 per cent of UN personnel on special political missions are assigned to countries with high-intensity conflicts. More than 80 per cent of humanitarian funds requested by the UN goes to address problems in conflict areas. These funds could have otherwise been applied to build capacity and strengthen institutions, educate children, enhance the livelihoods and incomes of women and families, improve health care and support smallholder agriculture in poorer countries, etc.
Conflict-related costs of response
Speaking of funds, today's conflicts along with natural disasters and changing climate renders insufficient what is otherwise an unprecedented level of humanitarian generosity. In 2014, the UN humanitarian agency raised US$ 24.5 billion for humanitarian action, up from US$ 2 billion in 2000. Regardless, the UN recorded its largest ever shortfall as only 62 per cent of needs identified were being addressed.
In 2015, for example, 1.6 million Syrian refugees had their food rations cut and 750,000 of their children could not attend school. UN-run health care services shut down in several areas of Iraq leaving millions of internally displaced people without medical attention. Experts warn of potential further cuts ahead.
The cost implications of conflict-induced emergencies cannot be emphasized enough. Some estimates put the economic and financial costs at $14 trillion or 13.4 per cent of the global economy in 2014. If the current trends continue, some experts warn, the cost of humanitarian assistance will rise to about $50 billion and 62 per cent of the world's poor would be living in fragile and conflict-affected countries. This is why violent conflicts should be high on the agenda of the WHS in May.
Canada can lead by promoting human rights for all people (including women and minorities) and investing in good governance and institutional capacity building.
The elephant in the room
While humanitarian response and peacekeeping may ameliorate suffering and stabilize the situation in the near term, they cannot of themselves address the root causes of human suffering associated with conflicts. This could well be the elephant in the room at the WHS Roundtables in May. Experts agree that the way to prevent conflicts is to address their root causes using political solutions. Unfortunately, it seems easier to deliver humanitarian assistance than to invest in political solutions. Without the needed political and diplomatic efforts, humanitarians are left to shoulder a burden that properly belongs elsewhere.
Canada can seize on this opportunity on the global stage to provide leadership at the WHS Roundtable on conflict prevention. Canada can leverage its leadership in humanitarian response, peacekeeping and refugee resettlement to rally a coalition of donor countries around the cause of investing in conflict prevention. This includes taking decisive political leadership at the highest level and long-term investment in peaceful and inclusive societies. It demands building support for policies that uphold the humanity of others, invests in early risks monitoring and analysis, and encourages prompt early action when warning signs appear.
Canada can lead by promoting human rights for all people (including women and minorities) and investing in good governance and institutional capacity building. The preamble of the Sustainable Development Goals (SDGs) captures the global collective resolve to foster peaceful, just and inclusive societies free from fear and violence (also expressed in Goal 16). If the SDGs are to be realized at all, we must take investments in peace and conflict prevention more seriously.
Ben Ofori is Senior Policy Advisor at the Canadian Foodgrains Bank.
This blog series on the World Humanitarian Summit was convened by the Canadian Council for International Co-operation. The views expressed in each blog are those of the authors, and do not necessarily reflect the positions of CCIC, its members, or other participating organizations.
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The plight of Syrians besieged in the town of Madaya prompted an international humanitarian response (AP Photo) Hunger, starvation, and extreme malnourishment present existential threats to millions of Syria's most vulnerable people. The young, the elderly, and the infirm are all particularly susceptible to the effects of malnutrition, which can stunt the growth of children, and exacerbate chronic medical conditions. Unicef deputy director Lily Caprani told HuffPost UK about the effects long-term malnourishment are having as the Syrian conflict enters its fifth year. She said: "There's hunger in the short term, and then malnutrition over the longer term severely and in some cases irreversibly damages children's development, so a child who at the age of two or three is undernourished can physical stop growing. "Unfortunately there are some cases where that cannot be undone. We're trying to stop getting it to that stage." Unicef continues to work in Syria, and it estimates it has helped the majority of those who need help in accessible areas. That still leaves as many as two million out of reach of aid, however. Towns which are besieged by fighting are particularly difficult to access. In one example, the situation in the Syrian town of Madaya, north west of Damascus, had become so dire that the UN estimated 400 residents needed to be immediately evacuated to receive life-saving treatment. Their conditions related to extreme malnourishment and starvation, as well as medical conditions.
Syrian boys play with snow following a storm in the northern Syrian city of Aleppo on January 5 Exposure to the elements is become a concern for aid agencies operating in and around Syria. Harsh winters bring snow, ice, and chilling winds - making for harrowing conditions in houses lacking electricity and the refugee camps bordering on vast, desolate landscapes. "One of the key things we worry about every year in that on top of everything else, we now have extreme cold," Lily Caprani of Unicef UK says, "Although we're doing everything we can to them, they're living in tents, in containers." The organisation is leading a campaign to keep children warm this winter with hats, gloves and scalfs. "Many of the refugees in... countries such as Jordan and Lebanon live in terrible conditions and are struggling to find warmth as temperatures fall," Robert Mardini, director for the Near and Middle East with the International Committee of the Red Cross, told Al Jazeera. "They live with the uncertainty of not knowing what tomorrow will bring, or even if they will ever make it back home one day."
Syrians searching for survivors in the rubble of destroyed buildings following the barrel bomb-attacks of Syrian air forces on February 2, 2014, in Aleppo, Syria. Barrel bombs continue to plague Syrian cities. The improvised devices are thrown from transport helicopters, without the ability to hit specific targets. According to the Syrian Network for Human Rights, the number of civilains killed by Syrian regime barrel bombs outnumbers those slain by the so-called Islamic State and al-Qaeda. Jeremy Binnie, Middle East editor for IHS Jane's Defence Weekly, told HuffPost UK that the bombs were developed due to either a lack of weaponry or aircraft around a year or so into the current conflict. He said: "While early ones appeared to be similar in size to oil barrels, the ones that have been seen generally have a smaller diameter. "They were first seen in the summer of 2012. "They are a way of turning the Syrian air force's Mi-8/17 helicopters into attack aircraft as the improvised bombs can be rolled out the rear cargo doors." "The bombs are capable of destroying buildings and killing people, but almost certainly have less explosive power than mass-produced aircraft bombs of similar size."
A Russian bomber drops bombs on a target. Russia has unleashed another barrage of airstrikes against targets in Syria Airstrikes from foreign forces continue to pose a threat to civilian life - however unintended this may be. In December, at least 26 people were believed to have been killed following US-led airstrikes attacking suspected Isis positions. The Guardian reported Rami Abdel Rahman of the Syrian Observatory for Human Rights as saying Isis is in control of Al-Khan but is only on its outskirts, "which is why all of the deaths were civilians". The US military command said it was investigating the claims. Britain's Royal Air Force, which received Parliamentary authority to commence airstrikes last year, says it is able to say no civilians have died as a result of its recent airstrikes in Syria which are planned meticulously to prevent collateral damage.
A health worker marks the thumb of a Syrian child after giving him polio vaccine (File Photo) Dirty water and the resulting disease pose a continued threat to Syrians living in increasingly unsanitary conditions. Unicef is one of a number of aid agencies working to mitigate the risks, but even it admits that millions of Syrian children and adults who continue to be at risk in areas that cannot be easily reached. While the threat continues to be high - disease is one of the areas of success for agencies trying hard to prevent a public health disaster dovetailing with the fierce conflict. Lily Caprani of Unicef told HuffPost UK: "We're making sure children and the vulnerable are immunized against waterborne disease, because we know they are going to be exposed to disease so we make sure they're going to be protected. "This can help prevent a public health disaster. One of the very few pieces of good news is that you would expect the resurgence of disease and infections we would normally not see. "But because we've managed to immunize we've prevented this. There have been no new cases of polio since January 2014 and that's short of a miracle. "It's relatively cheap to do - it doesn't cost a lot of money and it prevents the snowball effect of a public health emergency." Nonetheless, the shocking state of health uncovered at the besieged town of Madaya in January points towards localised medical emergencies being commonplace in some areas in the country.
A visitor looks at photographs in the 'Caesar's Photos: Inside Syria's Secret Prisons', a collection of photographs smuggled out of Syria last year Torture and execution remain a threat to civilian life throughout Syria, with hundreds allegedly killed at the hands of President Assad's regime alone. Syria has systematically tortured and executed 11,000 of its citizens in the three-year war, according to a report by former war crimes prosecutors, who compared the bodies they saw to images of Nazi death camp victims. Meanwhile the so-called Islamic State has been adept at publicising its regime's torture and execution, even publishing reports in its own magazine, with countless Syrians and scores of foreigners killed in the now signature orange jumpsuits. In January, the Syrian Observatory of Human Rights reported that an Islamic State militant executed his own mother, after she encouraged him to leave the terror group.
Violence and exploitation resulting from the break down of Syrian society present a real threat to the lives of adults and children alike, whilst kidnapping remains a tactic of fear used by militants. There are countless examples of violence between warring factions spilling over into civilian communities, wounding and killing innocent people. Unicef's experience of conflict emergencies across the world has led it to the conclusion that education can protect children from violence and exploitation. Lily Caprani, UK deputy director, told HuffPost UK: "If children are in education, they're in a safe space. If children are in a safe environment with safe people, the risks of violence and exploitation are lower. "This protects children from adults who might not have their best interests at heart." Kidnapping by Islamic State militants continues to present a real threat to civilian life. Last year, hundreds of innocent people were taken by the group amid mounting international calls for the release of those abducted.
Follow Development Unplugged on Twitter: www.twitter.com/CCCICCIC

subset: commoncrawl


text:
Henkel Says Ukraine, Middle East Conflicts Hurts ProfitAlex Webb
Henkel AG, the German maker of Loctite glue and Persil laundry detergent, said earnings growth will slow in the second half as Russia's dispute with Ukraine and military battles in the Middle East harm business.
"We expect the escalation of the Russian-Ukrainian conflict as well as the persisting political turmoil in the Middle East to have a negative impact on the market environment," Chief Executive Officer Kasper Rorsted said in a statement today. "We anticipate a slower growth of adjusted earnings per preferred share in the second half." Henkel dropped the most since Nov. 2011 in Frankfurt trading.
The turmoil in the Middle East and Ukraine poses a threat to Rorsted's plan to boost revenue at Dusseldorf-based Henkel to 20 billion euros ($26.7 billion) in 2016 from 16.5 billion euros last year, with half of sales coming from emerging markets. Other major European companies, including Nestle SA and Deutsche Lufthansa AG, have also warned that unrest between Russia and Ukraine is dimming prospects for growth as consumers trim spending and suppliers shy away from ordering equipment.
Full-year growth in earnings per share will likely be at the bottom end of the 7 percent to 9 percent target range, Rorsted said in a conference call with journalists.
Political Woes
Henkel has about 2,500 employees at eight plants and an administrative site in Russia, the company's fourth-biggest market, which generated about 1 billion euros in revenue in 2013. In Ukraine, Henkel has 1,000 employees at four production sites. Henkel generates more than 200 million euros in Ukraine, where revenue shrank by about the same amount Rorsted said it would usually increase in the second quarter.
In Syria, the company has just 144 employees, and Persil is the second-highest selling detergent in the country. The political turmoil in the Middle East, where Henkel has about one billion euros in revenue, is also placing currency burdens on earnings there, even as sales grew 17.5 percent in the first half.
The greatest risk in Russia is that economic growth will slow, Rorsted said on a conference call with analysts. While that isn't yet the case, earnings have already declined in Ukraine and elsewhere in eastern Europe.
"It would be naive to believe that Russia won't approach a recession-like environment," Rorsted said. "We are starting to see signs of a significant slowdown."
Hurting Demand
Henkel dropped as much as 6.6 percent and was trading down 6.5 percent at 77.14 euros as of 1:11 p.m., valuing the company at 32 billion euros.
Ukraine's conflict with Russia is also hurting the business of other European companies.
At Bayerische Motoren Werke AG, which produces cars beloved by Russia's wealthy, "we're considering what to do to cars earmarked for sale in Russia during the second half of the year," which may have to be re-directed to other countries because of tumbling demand, Chief Executive Officer Norbert Reithofer said Aug. 5.
At Nestle, the world's largest food producer, Chief Financial Officer Wan Ling Martello this month warned that "whatever happens going forward will have an impact in terms of consumer demand." If the situation in Ukraine continues to deteriorate, "it can negatively impact the pace of recovery in Europe," according to David Cole, chief financial officer of the world's second-biggest reinsurer, Swiss Re.
Quarterly Earnings
Henkel said it's still sticking to full-year targets of so-called organic sales growth of 3 percent to 5 percent, which excludes currency shifts and acquisitions or disposals, with earnings before interest and taxes, adjusted for one-time items and reorganization costs, at about 15.5 percent of revenue.
Second-quarter adjusted Ebit rose 2.1 percent to 674 million euros, while sales fell 3.5 percent to 4.1 billion euros. The adjusted Ebit margin was 16.3 percent, with an organic sales gain of 3.3 percent. Revenue on that basis rose 2.1 percent at the beauty care business, less than the 3.7 percent predicted by analysts, and increased 4.2 percent in laundry and home care and 3.7 percent in adhesives.
The organic sales growth "is a little disappointing," Warren Ackerman, a London-based analyst at Societe Generale who recommends buying Henkel shares, said in a note to clients. "The focus will be on the miss in beauty -- blamed on U.S. promotional intensity and Asia."
Competitor Unilever, which makes Dove soap and Lipton tea, also reported revenue increases that missed estimates July 24, citing slow growth in developing markets such as Brazil, Argentina and China.


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Page 11A
Emily's case exposes 'anchor baby' plight
Commentary By Raul Reyes
Four-year-old Emily Ruiz arrived home in New York about a week ago after a visit to relatives in Guatemala. The flight was not your typical homecoming. It was her second attempt at re-entering the country. The first time, she was, in effect, deported � despite being born in the USA.
On March 11, Emily and her grandfather were returning to New York from Guatemala. Their flight was diverted to Washington, D.C., where her grandfather was found to have an immigration violation from the 1990s. He was detained, as was Emily. There are two versions of what happened next.
Emily's father says he received a call from a Customs and Border Protection official, explaining the situation and asking about his immigration status. He admitted that he and his wife were undocumented. Then, he says, he was given a choice: Emily could be placed in a Virginia juvenile facility, or she could return to Guatemala with her grandfather. Afraid of losing his child to foster care or adoption, Ruiz let Emily leave the country with her grandfather.
Custom officials, however, say Ruiz was given the chance to retrieve Emily. Her father, who speaks limited English, says he was not aware of such an offer.
I find Emily's case troubling, as it appears she was denied entry because of her parents' status. She had a right to re-entry, not to mention due process. "Mixed status" families � undocumented parents with U.S.-born children � are a byproduct of our broken immigration system. According to the Pew Center, in 2009, 4 million American kids had at least one undocumented parent. Immigration officials also might have violated regulations in dealing with Emily. As a result of a 1997 Supreme Court case, immigration agencies must make more than a good faith effort to reunite children with their families. It's debatable whether the agency met this standard by offering Ruiz the chance to come get Emily from more than 200 miles away.
Our enforcement-only approach to immigration doesn't allow for the nuance needed to deal with such mixed-status families. We should not be deporting � or essentially rejecting � our citizens. A path to legalization for people like Emily's parents remains the only way out of our current mess.
While Emily's story had a happy ending � so far, no action has been taken against her parents, though her grandfather remained in Guatemala � Customs and Border Protection should investigate her case. It looks as if someone made a mistake in treating a U.S.-born child as less than a full citizen.
Raul Reyes is an attorney in New York and a member of USA TODAY's Board of Contributors.
Page 11A
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New Braunfels Herald Zeitung (Newspaper) - October 29, 1987, New Braunfels, Texas Friends for Rivers Concern led to county needs report By FRIENDS FOR RIVERS This is the third in a series of articles which present a history of the problems on River Road, Canyon Lake and the Guadalupe River both above and below Canyon Lake. In addition, the history of efforts by various groups to solve these problems will be presented. By early 1982, the Comal Commissioners Court felt that the problems had become intolerable. Led by J.L. "Jumbo" Evans, the Commissioners Court appointed 16 citizens to the Comal County Growth and Development Committee. The committee was divided into several subcommittees: a Canyon Lake Subcommittee, Upper Guadalupe Subcommittee, Lower Guadalup Subcommittee, Public Safety and Traffic Subcommittee and Water Quality and Quantity Subcommittee. The Growth and Development Committee arranged with Dr. Joseph Diamond of the Texas Agricultural Extension Service to conduct a survey of the citizens of the county. The survey would aid the committee in determining Comal Countians' attitudes toward the problems; it would also determine how they would like to have the problems solved. A total of 10,000 questionnaires were mailed out in December of 1982, and 2,661 were returned and processed. The solutions to water-orientated problems most often mentioned by respondents to the survey were: I) A public park with an entry fee for its use; 2) More law and order with increased enforcement and more personnel for park facilities; 3) Facilities for more parking spaces; 4) Better sanitation services for elimination of trash, refuse and garbage. Most respondents to the survey did not favor raising local taxes to pay for improved water-oriented recreation services. Over 70 percent of the respondents supported collection of user fees to finance these improvements. Once the survey results were completed, a "Comal County Growth and Development Report" was written by the committee. Recommended were the following: I) Authorization from the Government of Texas enabling the Comal County Commissioners' Court to establish a Water Oriented Recreation District (WORA) for purposes of conserving its water-oriented assets, providing various and sundry public services within or in support of the WORA and financing these activities by means of user type taxes including an entrance or user fee to enter the area, vendors fees, user sales tax, motel-hotel-camper tax, penalty fines and grants. 2)A 10-year program for the improvement of and additions to the road system leading into and within the WORA. 3) Construction and operation of parking lot-restroom-sanitation centers where needed in the Lower Guadalupe area, Canyon I^ake area, and Upper Guadalupe areas. 4) Provision of additional trash cans and garbage collection centers supported by improved garbage collection service. 5) Provision of improved campsites, boat ramps, canoe and tube exits, and other WORA user convenience services and maintenance of the same. 6) Strengthening of the Sheriff's Department by adding four or more deputies each with the title of WORA Ranger and the intensification of public safety training programs for WORA users and voluntary aids. 7) Strengthening county and other agencies responsible for ambulance, fire health and safety activities withing the WORA. These recommendations led to the appointment of a Comal County legislative Committee who would be charged with developing a plan to gain the needed legislation Inventory abounds HUD offering $100 down on foreclosures AUSTIN (AP) — Home buyers may purchase foreclosed property in the Austin and San Antonio areas from the federal Housing and Urban Development Department with a down payment of just HOO under a new program, say officials. The San Antonio area office of HUD, which includes Austin, started the program on Friday to clear away its inventory of foreclosed houses. Earlier, buyers had needed a 3 percent down payment on a house selling for less than $50,000, said Joe Rhodes, director of housing management for the San Antonio HUD office. Buyers, on more expensive homes, had to put down 3 percent of the first $25,000 and 5 percent of the balance. But a buyer now needs the $100 down payment, a $500 application fee that would be applied toward the mortgage, and three months of insurance and taxes, said Dahlia Martinez, director of property disposition for HUD in San Antonio. "Our inventory has grown dramatically in the last six months,'' said Ms Martinez. "Last year, we had four properties in Austin. Currently we have about 435." HUD officials insure Federal Housing Administration home loans. If a buyer defaults. HUD takes back the property and tries to resell it. The 57-county San Antonio area office has 1,500 houses rn inventory. Rhodes said his office has been taking back more than 200 FHA-insured properies a month since June The monthly total continues to grow. he said "When you get right down to the bottom line, these are properties the mortgagor is getting back because the homeowner isnt making the payments," said Rhodes CONTRIBUTOR NAME C ON TRIBUTOR ADDRESS I PLEDGE TO THE COMAL COUNTY COMMUNITY FUND Balance Ut be Paid I etal Amount of Pledge Paid Now □ Weekly $__ D Monthly $ _ I late By □ Payroll deduction Emplo yet □ Quarterly I _ □ Other $ _ Please Return This Copy To COMAL COUNTY COMMUNITY FUND P. O. BOX 310614 flf payroll deduction) □ Bill Me St*ntiiurr ,>! ( oninhuii>r (Return lo C onununlly Fm4| NEW BRAUNFELS, TEXAS 78131-0614 • lf you havent made your contribution or pledge for this year please clip and mat'this pledge card today. Thanks to you things can get better - Your ComFund Board of Directors NTXsoaa Modern-day housebot and home efficiency expert for natural gas heat. Call me thick skinned, hut I ve always loved winter hest...Those days when the Inst ( tilt! particles IHI the air, awakening the receptors. Nights standing around the fire, our cheeks taking on a silvery glow. Feeling reflective. Literally. ()f course, winter wouldn't Im* hearable without our ever reliable, highly-eflieient natural gits heat. For eons, it s been the only logical energy' choice. And still, some humanoids don't realize that an cill dent gas furnace can heat two and one halftimes tin* space that ('lee trie heating can for the same amount of pn mary energy, thus saving hundreds of rs a year 'n those ereatures, Minuend that they let their nearest utility station. As for to curl up with selectly favor wit Frost. OO it CINI NATURAL GAS. ENERGY FOR A NEW AGE. 1987 ComFund agencies and budgeted allocations: American Arthritis Boy Scouts Canyon Lake Red lr oss-15.OOO Koundation-S600 of Amr rlea-512.000 Action Center-16.OOO Children's Rehabilitation Center-61.000 Comal County Child Welfare Board-63.500 Comal County Kmergencv Children's Shelter-62.500 Comal County 4-H-63.000 Comal County Head Start-51.500 Comal County Mental Health-Mental Retardation Center-616.500 Comal I ountv Senior I (turns I e n t e r-I I 2 .OOO Comal Counts Womens Shelter-62.500 Comal County Youth Fair-63.900 C ommunity Sersice ( enter-618.000 Crisis I me 5 500 Developmental Program for Infants A Toddlers Si.OOO family Planning Program-5250 Hospice Ness B r a u n f e I s J 5 , OOO Humane Society of Ness Braunfels ll OOO l one Star <.lr! Scout I oum il-66 350 Project SCIF. 63.000 Retired Senior Volunteer 'salvation Teen I mted Was Clerical s u p p I I Now Open to the public I P r o g r a rn $ 5 0 0 Cr ms - I 12.OOO C nnnrrlion tx.OOO of Tr\as-fC3? vers lc rs-S13.30O s - 6 6 , 6 6 3 HUGE CABINET SALE Discontinued. Slightly damaged BIG DISCOUNTS! 50% Off and more! (FREE DESIGN) 497-3631 10 a.m. • 4 p.m. the Old Texas Dance Hall U.S. Hwy 281 - 6'Y mi. North of Loop 1604 Chart Your ^Financial - • \ Coursed PX Do You Know What Your $10,000.00 is Going to Be Worth When You Want It ? We Do! $10,875.00 I Year Certificate of Deposit at 8.75% A.P.R. With Minimum Balance of $5,000.00 Limited Offer...Subject to Cancellation without Notice EXECUTIVE BANC SAVINGS ASSOC IAI ION Dial 620-SAVL For Current Rate Information S A. Line 651 6175 ;
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|Mark Robson <mar...@gmail.com>
|Re: java.util.concurrent.TimeoutException: Operation timed out - received only 0 responses from .
|Sun, 29 Nov 2009 12:22:16 GMT
2009/11/28 <email@example.com> > thanks i dont have more than 1 node ie just one node operation > so dunno if the timeout increase will help > Presumably this is a test system on a vmware; it may have insufficient memory. I'd say make sure that your test virtual machine (vmware etc) has at least 1.5G of ram allocated and the Java VM is tuned suitably. Don't run on a 32-bit system as this limits the size of the Java heap too small. I'm speculating here, but you didn't give us much to work on. A production Cassandra node should have at least 16G of ram as it's really cheap. Ram doesn't use much power and power is the main consideration for datacentres nowadays. A 64-bit system is necessary as otherwise you'll be limited to a <3G Java heap, which makes having 16G ram pointless. Mark
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Contract Laboratory has received the following incoming Laboratory Test Requests which need to be fulfilled! These Laboratory Test Requests are received from a variety of sources ranging from start-up companies to large, multinational Fortune 500 corporations, international organizations, well-respected universities and government agencies that are actively seeking Independent, Third-Party Aerospace and Aviation Laboratories to perform their Aerospace and Aviation Testing, Analysis, Assays, Product Development, Scientific Research Experiments, Inspections, Certifications, and Engineering Projects. If you are a Aerospace and Aviation laboratory that would like more information on these Aerospace and Aviation projects, please visit Register Laboratories or call toll free 1-855-377-6821.
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The Johnny Manziel Era Must Wait: Brian Hoyer Named Browns Starting QB
Fans of the Cleveland Browns had long hoped that Johnny Manziel would take the starting quarterback job from Brian Hoyer and begin this new era for the team.
Instead Manziel has been a bit of a distraction to the team, most recently flicking the finger to the Washington Redskins bench.
Both players have struggled pretty bad this summer as Hoyer has a 42.4 QB rating after two pre-season games.
In a release by the Browns Coach Mike Pettine said the following statement.
"(Hoyer) was the clear leader from the beginning. We've maintained all along that if it was close, I would prefer to go with the more experienced player. Brian has done a great job in the meeting rooms and with his teammates on the practice field and in the locker room."
Let's not get too crazy though, the Manziel era is coming sooner rather than later. And when it does, be ready because it's going to be one hell of a ride.


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Beezid.com is an online site where you buy bids for an outrageous amount of money and are promised that you will win big ticket items. I have spent over $1500.00 in 3 days and was promised I would win a 37" tv the first time I bid. All I would win are more bids to spend with the promise of winning big ticket items. All I won were a few items under $10-15 worth of merchandise then had to pay shipping and handling. I have received one item so far. Jason Alexander from Beezid.com has called me several times to get me to buy more bids. Yesterday he wanted me to buy 1000.00 bids worth 1cent each for $550.00. All the bids I won or bought are worth only 1 cent. I paid $65 to start with and Jason Alexander called me and told me if I bought 1000.00 bids worth 1 cent at $120.00 I would win the big screen tv. I didn't happen. I has been contacted me several times to purchase more bids with the promise of winning big. [continued below]....
This report was posted on Ripoff Report on 08/26/2013 07:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/beezidcom/select-stateprovince/beezidcom-i-didnt-see-it-coming-demotte-indiana-1079287. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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I'm a sucker.. I so would have bought it. I would surprise her either for Valentine's Day or sooner :)
the fact that she touched the bear .....i would have bought it for her right there on the spot lol.
I would get it for her.
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NCI Dictionary of Cancer Terms
The NCI Dictionary of Cancer Terms features 8,107 terms related to cancer and medicine.
- Vesanoid
- listen (VEH-suh-noyd)
- An oral preparation of tretinoin that is used to treat acute promyelocytic leukemia, usually together with other drugs. It is being studied in the treatment and prevention of other types of cancer. Tretinoin is a form of vitamin A.


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Financial Statement Analysis (11th Ed)
McGraw-Hill/Irwin | May 2013 | ISBN-10: 0078110963 | PDF | 832 pages | 14 MB
Financial Statement Analysis, 11e, emphasizes effective business analysis and decision making by analysts, investors, managers, and other stakeholders of the company. It continues to set the standard in showing students the keys to effective financial statement analysis. The textbook is set up in a three part framework which makes this textbook one of the best-selling books in the market. It begins with an overview (chapters 1-2), followed by accounting analysis (chapters 3-6) and then financial analysis (chapters 7-11 and a Comprehensive Case). The book presents a balanced view of analysis, including both equity and credit analysis, and both cash-based and earnings-based valuation models. The eleventh edition is aimed at accounting and finance classes, and the professional audience - as it shows the relevance of financial statement analysis to all business decision makers.
The author:
- Uses numerous and timely "real world" examples and cases
- Draws heavily on actual excerpts from financial reports and footnotes
- Focuses on analysis and interpretation of financial reports and their footnotes
- Illustrates debt and equity valuation that uses results of financial statement analysis
- Applies a concise and succinct writing style to make the material accessible
About the Author
John J. Wild is Professor of Business and Vilas Research Scholar at The University of Wisconsin at Madison, where he also received his Ph.D. He has received numerous teaching awards at Wisconsin as well as from Michigan State University. He is a frequent speaker at universities and national and international conferences.
CHAPTER 1 Overview of Financial Statement Analysis 2
CHAPTER 2 Financial Reporting and Analysis 66
CHAPTER 3 Analyzing Financing Activities 132
CHAPTER 4 Analyzing Investing Activities 226
CHAPTER 5 Analyzing Investing Activities: Intercorporate Investments 274
CHAPTER 6 Analyzing Operating Activities 338
CHAPTER 7 Cash Flow Analysis 416
CHAPTER 8 Return on Invested Capital and Profitability Analysis 460
CHAPTER 9 Prospective Analysis 506
CHAPTER 10 Credit Analysis 542
CHAPTER 11 Equity Analysis and Valuation 616
Comprehensive Case: Applying Financial Statement Analysis 650
Appendix A Financial Statements A
Colgate Palmolive Co. A1
Campbell Soup A46
Interest Tables I1
References R1
Index IN1
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SUSP Sustainability Phase: Learning From Defects Through Sensemaking. Brad Winters, MD May 6 , 2014. Quick Administrative Announcements. You need to dial into the conference line: Dial in Number:1-800-311-9401 Passcode: 8376 Webinar URL: https://connect.johnshopkins.edu/r33npeupiig/
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
SUSP Sustainability Phase:
Learning From Defects Through Sensemaking
Brad Winters, MD
May 6, 2014
Quick Administrative Announcements
Learning Objectives
Problem Solving Hierarchy
Problem Solving
Problem Solving
Recovers for one patient, but does not reduce risks for future patients.
Example: You get the supply from another area or you manage without it.
Reduces risks for future patients by improving work processes and increasing compliance.
Example: You create a process to make sure line cart is stocked with necessary equipment.
Activity: Share an example in the chat of common first-order problem solving in your work area.
Problem Solving Goal
What is a Defect?
you do not
want to happen
Rather than being the main instigators of an accident, operators tend to be the inheritors of SYSTEM defects. . . . Their part is that of adding the final garnish to a lethal brew that has been long in the cooking.
-- James Reason, Human Error, 1990
Questions for Each Defect
Polling Question: Has your team learned from a defect?
What Happened?
Tip: Take time to listen. Seek to understand rather than to judge. Ask clarifying questions and follow-up questions.
What Happened?
Why Did It Happen?
Tip: Process mapping will uncover workflow issues, but it won't get at values, attitudes, and beliefs impacting a defect. Thinking about the "people side" of a defect is critical to understanding how to create lasting change.
How Will You Reduce Risk of Happening Again?
Prioritize Interventions
High Impact
Low Impact
Low Barrier
High Barrier
How Will You Reduce Risk Reoccurring?
Principles of Safe Design
Principles Of Safe Design
Standardize Care
Create Independent Checks
Learn From Defects
Building Resiliency into Intervention
Not All Education Is Created Equal Either
How Will You Know Risks Were Reduced?
Tip: Identify ways to measure success. Data is king, however subjective evaluations can provide valuable information. Ask your frontline staff about intervention compliance and effectiveness.
Share Success Stories
Tip: Make staff safety assessments (refers to asking staff how the next patient will be harmed) available at all times. The team should review feedback on an ongoing basis.
Sustainability is dependent upon ongoing safety assessment exercises.
Ongoing Key Questions
Your Mantra!
Poll: Have you asked your frontline staff these questions? How often do you / they answer these questions?
What's Next?
Executive Exodus and Staff Turnover
Turnover Happens
Communicating for Patient Safety
Case Study: Renal Transplant
Opportunities For Improvement
System Failures
Knowledge, Skills & Competence
Anesthesiology attending not notified of the transfusion. Wrist band checks with stamp plate were not done at multiple points.
Create independent checks, encourage patient safety culture initiatives, add system constraints like barcoding technologies
Stagger staff changes
Formalize hand-offs between departments
Near simultaneous emergent events, change of two different provider groups at same time. No independent check.
Ensure hand-off process supports emergencies
Other Factors
Hospital environment: Transfer across units
Patient characteristics: High acuity
Task characteristics: Blood check-in only as good as existing identity documents.
Key Takeaways
Action Plan
Bagian JP, Lee C, et al. Developing and deploying a patient safety program in a large health care delivery system: you can't fix what you don't know about. Jt Comm J QualImprov 2001;27:522-32.
Pronovost PJ, Holzmueller CG, et al. A practical tool to learn from defects in patient care. JtComm J Qual Patient Saf 2006;32(2):102-108.
Pronovost PJ, Wu Aw, et al. Acute decompensation after removing a central line: practical approaches to increasing safety in the intensive care unit. Ann Int Med 2004;140(12):1025-1033.
Reason J. Human Error. Cambridge, England: Cambridge University Press, 2000.
Wu AW, Lipshutz AKM, et al. The effectiveness and efficiency of root cause analysis. JAMA 2008;299:685-87.


text: Has anyone done the front running light mod listed here: http://www.hayabusa.org/cgi-bin/busa/ikonboard.cgi?act=ST;f=11;t=4020 I followed the instructions for the Involved but bright method and I'm still having problems. When I turn the key to the on position, the indicator lights do light up but they don't flash when I hit the turn signal switch. I really don't want to call it quits, so any suggestions would be appreciated. The rear indicator lights light up too is this supposed to happen or is it just the front? MY MODS:  SILVER BUSA 2002 ZG Double Bubble LED License Plate Light Yosh RS-3 Titanium Full System  (USED) Power Commander IIIR Clear Front Turn Signals Superpack606 Strobe Light Kit K&N Air Filter JSD TRE SpeedHut Gauges Scorpio Alarm Adjustable foot pegs Extreme Graphic Topgun Undertail Small box mod <!--EDIT|nyclad Reason for Edit: None given...|1075325445 -->


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Peggy Sirota/NBC
Jimmy Fallon made Donald Trump the butt of some biting jokes during his Golden Globes opening monologue on Sunday.
As he rattled off nominees, he landed on "Game of Thrones" and compared Trump to one of the HBO show's most hated characters.
"['Game of Thrones'] has so many plot twists and shocking twists, a lot of people have wondered what it would've been like if King Joffrey had lived. Well, in 12 days we're going to find out," the host said of Trump's upcoming presidential inauguration on January 20.
Fallon's chiding of Trump didn't stop there. He also took a shot at the president-elect's difficulty with hammering down performers for the the inaugural ball.
"The film 'Florence Foster Jenkins' is nominated," Fallon said. "The character has been dubbed the world's worst opera singer and even she turned down performing at Donald Trump's inauguration. It's tough to book."
The politics didn't end there. He also gestured toward the ongoing controversy surrounding Russia's apparent hacking of the presidential campaign in favor of Trump.
When introducing the accounting company that tabulates the Golden Globes votes, Fallon inserted Russia's president into the group, referring to it as "the firm of Ernst & Young & Putin."
Fallon may have been making up for his controversial "Tonight Show" interview in September 2016 with Trump. Many believed the late-night host was too easy on the then-presidential candidate.
NOW WATCH: Watch Jimmy Fallon do a spot-on impersonation of Bernie Sanders on 'The Tonight Show'


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National Launch of the 2012 Hyperthermia Campaign
Safe Kids Worldwide
Tuesday, April 17, 2012 from 9:00 AM to 11:00 AM (EDT)
Safe Kids Worldwide and Safe Kids Palm Beach County invite you to join us as we raise critical awareness about the dangers of heat stroke to unattended children in vehicles. Join us to learn what you can do to prevent these tragic and unnecessary deaths.
Please join us at the City of Boca Raton Police Administration and Training facility for a light breakfast and the opportunity to meet fellow advocates before the program begins. The continental breakfast begins at 9:00am with remarks starting at 10:00am.
o Kate Carr, President and CEO, Safe Kids Worldwide
o Gay P. Kent, Executive Director, Vehicle Safety and Crashworthiness, General Motors
o Dr. Leticia Manning Ryan, MD, Children's National Medical Center, Emergency Medicine and Trauma Services
o Dr. Norman Collins, Sr, grandfather who suffered a personal tragedy with hyperthermia
o Chief Daniel C. Alexander, Boca Raton Police Services Department
o Kelly Powell, Safe Kids Palm Beach County Coordinator, Community Partnership Group
Join millions of people on Eventbrite.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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ED Magedson – Founder
Ripoff Report
PriveCo Inc510 E. 10 Mile Rd Hazel Park, Michigan U.S.A.
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
This report was posted on Ripoff Report on 07/30/2009 07:09 PM and is a permanent record located here: http://www.ripoffreport.com/reports/priveco-inc/510-e-10-mile-rd-hazel-park-michigan-48030/priveco-inc-priveco-inc-shopinprivate-online-order-scam-510-e-10-mile-rd-hazel-park-mich-475121. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
SUBMITTED: Thursday, December 24, 2009POSTED: Thursday, December 24, 2009
I would just like to say that although I placed my order back on 12th October 2009 and they dispatched the goods on 14th October 2009 I didn't actually receive the shipment until 24th December 2009....almost 3 months later...but the best Christmas present! Their customer services department remained in contact with me during this time and reassured me that the package was despatched their side.
I am a very pleased European Customer. To wait almost 3 months was frustating but when the package finally arrived I was over the moon.
Thank you to all the staff at Priveco Inc for keeping in contact with me and I shall be using their services again.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#2 REBUTTAL Owner of company
SUBMITTED: Wednesday, October 14, 2009POSTED: Wednesday, October 14, 2009
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
Advertisers above have met our
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"Why are the pansy Brits not doing anything about this?"
Because the people in office and from the major parties actually derive their power from having a populace that is continually being beaten and raped. It's a means of control, and it is quite effective.
The people that actually would take action against these crimes (like putting these criminals away for decades) are usually booted out of politics, usually by being labeled as racists. It's like that all through Europe. That's why that guy in Norway felt he had to take direct action to deal with their problems.
There will be a point in time where certain members of the public will say "ENOUGH!" and begin to take matters into their own hands, handing out vigilante "justice."
I recall reading an article in a British motorcycle magazine (I think it was "Fast Bikes") where motorcycle owners were sick and tired of having their motorcycles stolen. The magazine did a "ride along" with a couple of vigilante bike owners, most of whom had at least 1 motorcycle stolen within the last year. They parked in an unmarked van near a parked, decoy sportbike. Within a few hours, a couple of guys in a van stopped by and began the process of stealing the bike. The guys (in masks) jumped out of the van and proceeded to break the arms and legs of the thieves using pipes and tire irons, leaving them bleeding on the street.
Eventually the same will happen the the "Asian youths."


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Practice Area: Car accident
Outcome: Settlement for $100,000
Description: Client came to me after her first lawyer admitted he did not know enough about brain injuries. State Farm denied that my client sustained a mild traumatic brain injury because she did not complain of headaches until 15 days after the collision. We deposed her neuropsychologist, the head of Shepherd's Brain Injury unit and her pain physician at Emory University. On the strength of these doctor's testimony, we forced State Farm to pay their policy limits.


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1977 Chevrolet K10 - Starting Problems, Weak Idle and Power Loss
View Single Post
"But how do it know?"
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Originally Posted by
Oh yeah, one important note:
Don't go dropping your bolts in the hole.
Sunday evening, I went ahead and used the boroscope to look for the missing bolts. After some fiddling around (its tricky to control the flexible lens shaft, and oil can cover the lens), I found the second bolt exactly where I thought it had fallen: inside the oil drain back port nearest to the firewall. You can see a 30 second video of the discovery
. Previously, the bolt was not visible when pictures were taken of every port, unless one considers the sparkly reflection in image 4 the bolt head. (see post # 98). The two magnets never picked it up in the past either.
Below are the images of the bolt from the boroscope, completely unedited.
Excited and relieved that at least one bolt had been found, I went ahead and attempted to retrieve it, first with the magnetic pick up attachment on the boroscope. Here are the videos:
first attempt
second attempt
(1:52). As hard as I tried, the magnetic tip just could hold the bolt, perhaps due to oil.
I then went ahead and tried the flexible lighted magnetic pick up, and set up the boroscope to assist in viewing what was going on. The magnet did pick up the bolt, but the it fell off as the magnet reached the surface and the bolt scraped against the top of the port. This time when the bolt fell back in, it made a clanking noise for an uncomfortably long time.
See the dramatic 18 second video
Originally Posted by
if you look down one of those holes you will be looking directly at the lifters and the lifter valley. it has drain holes too, but they are more long and narrow. you don't want those bolts to go through the drain holes in the lifter valley because below that is the cam and lifters and then the crankshaft and con rods. lots of stuff to get jammed up in.
I used the boroscope for a long time to try and find out where the bolt may have landed this time, but no luck. Even tried the mirror attachment but found it limiting as to how far and deep the lens would go. I believe I did see the smaller drain holes. Below are the pictures taken using the boroscope.
I went ahead tackled the distributor and also drained the radiator in preparation for removing the intake manifold. I am photographing everything as I go along. Updates coming soon.
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Promises to Keep: Daily Devotions for Men Seeking Integrity
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|Format: Paperback
Number of Pages: 416
Vendor: HarperOne
Publication Date: 1996
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A powerful new movement is sweeping across America:Christian men are coming together to make a difference in their families, churches, businesses, and communities.They are helping one another acknowledge a deep-seated need and hunger for spiritual nourishment and Christian fellowship. They are "sharpening" one another's understanding of what it means to be a man today.
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Harry5 Stars Out Of 5Promises to KeepJanuary 28, 2015HarryQuality: 5Value: 5Meets Expectations: 5This is an outstanding daily devotional for any man who wants to draw closer to our Lord and Savior. Each day's reading speaks, if you will allow it, directly to the issues that each man struggles with. Grab a copy, go through it for a year and you will find yourself changed and challenged to be a better Christian, father, husband and friend.
Jim Shank5 Stars Out Of 5May 2, 2010Jim ShankThis is a powerful collection of devotions written by Christian men across the ages. It changed my life and enhanced my walk with the Lord. I wore out the first copy using it daily since the mid 1990's when I purchased it at a Promise Keepers rally. It was out of print for awhile. I am thrilled it is now available again. Jim Shank
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text:
Jake's important part in the story is revealed and no one cares
All of the characters without names, only occupations, and species names like crabs and dolphins, had been killed by orcs, who apparently had been killed too. Only those people with names who weren't killed, and weren't named Brynawyndil, and Jake were left standing in the forest in the aftermath of the bloodbath.
Errol stood among them, because he had a name. So did the woman whose name was not Brynawyndil, but she still had a name - she just wouldn't tell anyone what it was. The colour of her eyes were swirly lavender milk, which made anyone who looked at them, dizzy.
The two men of the hand had names, because that were their names, Andy and Randy Menofthehand. They were there to search for other men and/or women of the Menofthehand family who were legendary holders, or maybe just beholders of the sword of A'Shinth'ea'h'x'g'e.
Daugleriadhwen, whose name did not mean adored warrior, but acrobat doppleganger, was also there, along with a few men with capes and bows, and suchlike. They also had names, but they hadn't revealed them yet.
"Hey! I'm Jake!" Jake yelled as he stood toward the centre of the bloodbath path.
"I have an important part in the story to reveal!" Nobody was listening.
Acrobat doppleganger and the woman whose name was not Brynawindel were arguing about whose eyes were scarier, and were not listening. Randy and Andy Menofthehand were grilling the men in capes to see if they were also Menofthehand, and they were also not listening.
That is to say that they were not questioning the men relentlessly, which is one meaning of 'grilling'. Andy and Randy were actually grilling the men over a fire, to see if torturing the men of the capes would make them reveal their names.
Jake could not be heard over the screams of the grilling men, so he blew into an enormous cow horn that he carried with him.
No one could hear themselves think over the cacophony, so they all stopped and turned toward the noise.


text:
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text:
Both say no
On Angela's EMI web page there are two operas listed. La Boheme in Zurich at Opernhaus on October 10th 2009 and Pagliaci in Berlin at Deutsche Oper on 24th and 27th of February 2010. I got replies from both operas. They don't know anything about this.
Both messages end like this: "I suggest you check our Website regularly in order to keep up with changes concerning the cast".
So, unpack and wait for news!


text:
Originally written on Start 'N' Park Blog | Last updated 9/19/14
DAYTONA BEACH, FL - JANUARY 16: Clint Bowyer speaks with the media during NASCAR Preseason Thunder Fan Fest at Daytona International Speedway on January 16, 2010 in Daytona Beach, Florida. (Photo by Rusty Jarrett/Getty Images)
CORNELIUS, N.C. — Need a new Toyota? Give Clint Bowyer a call. Before the No. 15 5-hour ENERGY Toyota driver travels to Auto Club Speedway for Sunday's NASCAR Sprint Cup race, Bowyer spent a few days in his hometown of Emporia, Kan. opening the new Clint Bowyer Autoplex. Bowyer partnered with Davis-Moore Auto Group to purchase the Toyota dealership, formerly called Emporia Motors, where he once worked as a paint-less dent repair specialist and detailer. The Clint Bowyer Autoplex, 2815 U.S. Highway 50 in Emporia, is across the street from the Clint Bowyer Community Building. Davis-Moore Auto Group, out of Wichita, Kan., will run the day-to-day operations, while Bowyer focuses on his duties at Michael Waltrip Racing. Bowyer is fourth in driver points as the series visits the two-mile track in Fontana, Calif. CLINT BOWYER AUTOPLEX: "This is really a dream come true for me in so many ways. I used to work at that dealership before I ever got to the Sprint Cup Series. I was the young guy running around doing anything and everything that needed to be done. Now I'm in a position to partner with the Davis-Moore Auto Group to buy the dealership and continue giving back to the community that I grew up in. This is where I'm from. It's where my parents still live. I couldn't be any prouder or happier to be in this position and to continue to support my hometown community." California: Bowyer will make his 13th NSCS start at Auto Club Speedway on March 24. In 12 previous starts, Bowyer has two top-five (2nd in 2010-2, 3rd in 2006-2) and seven top-10 finishes. He has started third three times (2006-2, 2008-1, 2010-1). Bowyer has an average starting position of 14th and finish of 11th. He has led 45 laps, including at least one lap in three of his last four starts at Auto Club Speedway. Chassis Chatter: Primary chassis No. 758 is new. It's the first new 2013 Gen6 specific chassis to be raced by MWR. The backup chassis (No. 724) raced to top-five finishes at Bristol (fourth) in March and Dover (fifth) in June. It also finished seventh at Bristol in August, tested at Charlotte in January 2013 and served as backup in Las Vegas. Autograph Alley: Bowyer will sign for fans at Auto Club Speedway's Autograph Alley on Sunday morning starting at 8:30 a.m. MWR Girls: At Las Vegas, Michael Waltrip Racing announced its new social media and fan engagement models – the MWR Girls. The models will be at track each week to interact with fans and partners and give an inside look at what is going on around the racetrack. Follow the MWR Girls on Twitter – @MWRGirls. INSIDER PROGRAM: Michael Waltrip Racing's Insider Program offers all race fans sponsor discounts, specials on merchandise, exclusive pictures and video content plus fan giveaways throughout the 2013 NASCAR Sprint Cup season. Fans can access the MWR Insider Program through the CardStar application available on most smartphones. MWR will work on behalf of the fans to expand the offerings beyond just its current sponsor line-up, aggregating industry-wide deals and discounts. Fans can text MWR to 42828 get card for FREE. Offers include 20% off Subway Fresh Fit 500 tickets, free headset with rental of a FanVision unit ($19.99 value) and 25% off Toyota Racing merchandise at ToyotaRacing.com.
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Creamed Kohlrabi RecipeRead Reviews Be the first to add a review
4.5 3 3
- 4 cups cubed peeled kohlrabies (about 6 medium)
- 2 tablespoons butter
- 2 tablespoons all-purpose flour
- 2 cups whole milk
- 1/2 teaspoon salt
- 1/4 teaspoon pepper
- Dash paprika
- 1 egg yolk, llightly beaten
- Minced chives and additional paprika
- Place kohlrabies in a large saucepan; add 1 in. of water. Bring to a boil. Reduce heat; cover and simmer for 6-8 minutes or until crisp-tender.
- Meanwhile, in a small saucepan, melt butter. Stir in flour until smooth; gradually add milk. Bring to a boil. Stir in the salt, pepper and paprika. Gradually stir a small amount of hot mixture into egg yolk; return all to the pan, stirring constantly. Bring to a gentle boil; cook and stir for 2 minutes.
- Drain kohlrabies and place in a serving bowl; add sauce and stir to coat. Sprinkle with chives and additional paprika. Yield: 6 servings.
Originally published as Creamed Kohlrabi in Country Extra September 2008, p49
Reviews for Creamed Kohlrabi
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Reviewed Jan. 23, 2017
"Made this recipe just as written and it was fabulous! It satisfied my carb craving and it didn't even seem like I was eating kohlrabi. One of my new favorite recipes!"
Reviewed Sep. 10, 2014
"The sauce in this recipe is really good. I'm not the biggest fan of kohlrabi, but we received two from our CSA share and this was a delicious way to use them. My two year old loved it."
Reviewed Sep. 2, 2011
"Lorraine - this is my first experience with kohlrabi. Our local nursery was giving away kohlrabi plants at the end of the season. WOW, it's now my new favorite vegetable. Great, tasty recipe. Thanks for sharing!! Tamara in Montrose, Colorado"


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Toddler's Shapes Book
- Varies
- Intermediate
Additional Information
- June Tailor® Inkjet Printer Fabric
Sheets: washable, colorfast
- Computer
- 1/4 yd solid color cotton fabrics
- Fat Quarters pre-cut cotton fabrics
- 1 yd medium-wt fusible interfacing
- 1/2 yd Warm & Natural® batting
- 1 yd HeatnBond® Lite adhesive
- Thread
- 2 yds of 3/8" ribbon
- 12 grommets & setter
- Rotary cutter, straight & decorative
zigzag blade, or scissors
& pinking shears
- Sewing machine
- Basic sewing supplies
- Iron & pressing surface
DIRECTIONS: RS = RS(s) WS = Wrong side(s)
1. SHAPE NAMES: Using computer print CIRCLE, SQUARE, HEART, DIAMOND, TRIANGLE on June Tailor® Inkjet Printer Fabric Sheets, in block-style font. TIP: Print on regular paper 1st to gauge proper size & color. Remove backing from fabric sheets & fuse HeatnBond® Lite to back. Cut shape name out with zigzag rotary cutter blade. Set aside.
2. CUTTING: Solid color fabric, cut 2 each: 8"x8", 8"x8 1/2", 8"x9", 8"x9 1/2", 8"x10", 8"x10 1/2" for pages. Interfacing: Cut 1" smaller than each piece of fabric. Warm & Natural® batting, cut: 8"x8", 8"x8 1/2", 8"x9", 8"x9 1/2", 8"x10", 8"x10 1/2". Trim corners. Ribbon, cut six 2" lengths for tabs.
3. For shapes, fuse HeatnBond® Lite adhesive paper to WS of printed fabric. Draw shape onto paper side of HeatnBond® Lite. Cut 1 big shape for each page, plus a few small shapes for name page.
4. Lay cut-out pages and shapes in desired order. Keep pages in matching order.
5. Fuse interfacing to WS of each solid-colored page; center & leave 1/2" around edges.
6. Remove paper. Position large shapes on RS of solid fabrics. Fuse in place. Machine applique shapes with tight zigzag or satin stitch.
7. On opposite page, fuse shape name. Machine applique with straight stitch in coordinating color.
8. Fuse smaller shapes onto name page and machine applique.
9. For tabs, fold each piece of ribbon in half and baste to outside edge of shape page. Measure down 1 1/2" from top of 1st page, 2 1/2" from top of 2nd page, continuing down 1" for each page.
10. Baste Warm & Natural® batting to WS of large shape page. RS together, stitch corresponding page to shape page; leave an opening in left side for turning. Trim Warm & Natural® batting close to stitching. Clip corners; turn RS out.
11. Press page and slip stitch opening closed. Top stitch 1/2" from edges.
12. Follow manufacturer's directions for setting grommets.
13. Cut remaining ribbon in half, thread through grommets. Tie in a bow. Trim.


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Buying a Dayton home with past credit problems
Buying a Dayton or Miami County Ohio home with past credit problems all starts with talking with a REALTOR or lender. This can be exciting, stressful and intimidating. This good news is that you may be closer than you think.
Buying a Dayton or Miami County Ohio home with past credit problems all starts with talking with a REALTOR or lender. This can be exciting, stressful and intimidating. This good news is that you may be closer than you think. The first step is to understand where you credit is today. You may be suprised to realize that you can qualify today. If not, many home buyers can qualify in as little as one year depending on the severity of the credit problems.
Credit Bruises
Life is full of unexpected twists and turns and it's not always possible to come out without any bumps or bruises. Every day people are faced with late or missed credit card, mortgage or car payments. This can stem from job loss, insury or just simple hardships. The good news is with time and good guidance from a Dayton REALTOR and lender you can be put on a path to get these issues corrected.
Start Re-Building Your Credit
Start by applying for a credit card and maintaining a reponsible use of the account. This can be accomplished by buying something each week like groceries than immediatley paying it off. This will start reporting a good payment history to the credit bueraus. If you don't immediatly qualify for a credit card, sit down and discuss with your bank. Sometimes they can be your best resource with already having an account established with them.
Reviw and Clean Up Your Credit Report
Before applying for a home loan, make sure that you check your credit report from each of the three major credit reporting agencies. Every 12 months, consumers can request a free copy of their credit report from Experian, Equifax and TransUnion. Take advantage of this and if anything is incorrect or found to be inaccurate, filing a dispute with the credit reporting agency can help to get the information corrected before speaking with a lender. It is not uncommon to find issues in your report.
When you apply for a Dayton home loan, the lender will access your credit report for the purpose of determining your creditworthiness. In an effort to ensure that you have the best possible chance at being approved for the loan at the best possible interest rates, making sure that your credit report is accurate is a must.
Save For A Down Payment
Some Dayton homebuyers often qualify for a mortgage with down payments as low as five percent (three and a half percent for FHA loans), but those with past credit problems may be required to shell out a significant amount for a down payment on their new home. A buyer who pays a larger down payment obviously has more vested interest in the home and may, thereby, be less likely to default on a loan. If you have past credit problems, check with your lender about specific down payment requirements and start saving!
Creative Financing Options
If you've exhausted all of your conventional efforts and are still turning up empty, don't give up just yet. Alternative financing is an option that many homebuyers use to purchase a home. Your Dayton or Miami County REALTOR® can provide you with details regarding any lease purchase and/or owner financing properties, which may require no credit check, no bank qualifying, a low down payment and competitive interest rate options.
# # #
About Greg Greenwald: Greg is a Realtor with Prudential One in Troy, Ohio. He's a member of GDREIA (Greater Dayton Real Estate Investors Association)
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Working things out
I was having a really good nap when I felt a chill so deep that it woke me up. I looked around and discovered that Morgan was back in her seat in front of me. Before she moved over she had put my feet back up on the seat so that I could stretch my legs out. I was instantly grateful. I was getting cramped in the upright position in my seat.
I looked over at Morgan and saw that she was not alone. The restless spirit that had been visiting the tattooed man was now visiting Morgan. She was visibly shaken by the ghostly presence. Morgan could see her, and she wasn't happy about it for some psychotic reason. She was swirling her ectoplasm all around and above poor Morgan, who was frozen to her spot in terror.
"Hey, stop that!"
I all but growled at the spirit in a deep, angry voice.
She stopped terrorizing Morgan for a moment, and hovered over me.
"You can see me!"
This was said in an annoyed confrontational manner, as if I was seeing her presence just out of spite.
"I can see the aura that surrounds you, and it isn't pretty. It's shot through with some type of sickness. It's looks like it could be mental illness. Were you insane before you died?"
I asked in a blunt, matter of fact tone. That was not a good question to ask a crazy person, dead or not.She went ballistic! She swirled and circled above me and in front of me. She tried to slap me, her hand went right through. She tried to strangle me, again the hands went through.
The worst she could do was concentrate her energy on inanimate objects. My backpack rose up from the floor beside me and turned upside down. She tried to open the zipper, using just her furious energy. It would have opened, and dumped my stuff all over the place, but I fought her with my own psychic energy. It stayed upright, and opened up just enough for my spray cologne to float out. I concentrated, and made the cologne spray the ghost in her face. Of course the spray went right through her, but the point had been made that my energy was stronger than her energy.
She hovered above me and made a remark that she thought would make me mad enough to lose concentration, and give her the upper hand.
"I can hurt your baby. My energy can make its' heart stop beating and it will die."
She didn't understand about auras apparently. I knew she was lying. If her energy had been that strong, she probably would have tried already, just to see if she could affect my child. I had my own aura, my own energy, and the protective layers of love that surrounded my child and the outside world, were stronger than the walls of fort Knox. Nothing was going to hurt my baby, and the ghost knew it.
"What's your name?"
I thought I'd try to reason with this spectre, although it was probably pointless.
"Fancy Anne, what's it to you?" she was getting more surly by the minute.
"My name is Gloria, and this is Morgan. We've done nothing to you. Why are you being so mean and miserable?"
"I don't like the way this one was looking at my Mike." She indicated Morgan with a jerk of her head.
"I didn't mean anything by it, honestly."
Morgan said quietly. It occurred to me that Morgan could not only see Fancy Anne, she could hear her too.
"Then why were you staring at him?"
Fancy Anne shouted, but no one but the two other young women and Mike could hear her.
"I.. don't know. He was kind to me when I needed help."
"That's all it was?"
Morgan nodded.
"Alright then, just make sure you leave him alone, he's mine!"
"He's way too old for me, so you don't have to worry."
Morgan was beginning to gather her courage as she spoke back to Fancy Anne. Gloria squeezed her hand across the seat back to lend moral support.
"Oh. That never occurred to me." Fancy said.


text:
October 18, 2011 at 10:10 AM · Filed under cocoa j ·Tagged birthday, chill pill, for your health, recovery, relax, sleepin through the days that you don't want to be a part of, sleepy, true story, waiting a whole year for your next birthday is actually hard work
also, i just hate mondays
one year ago today: for cocoa's birthday, j gifted rock band!
Comments (1)
March 24, 2009 at 6:24 PM · Filed under cocoa j ·Tagged chill pill, does it look like i give a dang?, economy, the economy, yelling about stuff
yeah just take a chill pill!
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text: This hotel comprises a main building as well as an annexe block featuring a total of 270 rooms. Facilities include a foyer, a 24-hour reception desk, a safe and a lift. In addition, guests are offered a restaurant, a bar and conference facilities. A laundry service is also available for which fees apply. There is a car park for those arriving by car.The casino shuttle bus service costs 2 USD for a return ticket. Family Plan: 2 adults and 2 children (up to the age of 12) may share a double room using the existing bedding. The minimum stay required for Friday and Saturday is 2 nights.Amongst the facilities in the carpeted rooms count a coffee machine, ironing equipment, individually controllable heating and air conditioning, a bathroom with a hairdryer, a direct dial telephone, satellite/ cable TV, a radio and Internet access. The rooms for 1 to 2 persons come with one king-sized bed.


text:
It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the site.
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text:
Ataturk Education and Research Hospital Department of Respiratory Medicine, Ankara, Turkey
INTRODUCTION: Bilothorax is a rare complication occuring after trauma, invasive procedures applied to abdomen. This case report of bilothorax was occured after an operation of pyloric stenosis since there were no fistula or rupture of diaphragm.
CASE PRESENTATION: 35-year-old man was admitted to the hospital with the complaints of nausea, vomiting, weightloss. He had a diagnosis pyloric stenosis in his gastrointestinal endoscopy. He had underwent on surgical intervention under general anaesthesia and a hemigastrectomy with gastrojejunostomy was performed. The complaints of dyspnoea and left chest pain were appeared on the postoperative 4th day. Physical examination revealed the loss of breath sounds at the lower field of left hemithorax. Chest roentgenogram showed a pleurisy at the left lower zone and thoracentesis revealed bilothorax (Table 1-Figure 1). On his computerized tomography, a left sided pleural effusion and the atelectasis of left lobar segments with calsification were detected. Abdominal exploration revealed there was no diaphragmatic defect or fistula, the same effusion in the abdominal space and a leakage from duedonal stump were detected. It had been drained about 2000 ml of effusion, the leakage from the duedonal stump was primarily repaired. Thereafter abdominal drain were inserted. After this procedure therapeutic thoracentesis applied if it was necessary. Postoperative 25th days, there was no fistula or defect on the diaphragmatic surface through fistulography. The chest X ray showed a minimal density on the left lower zone on the 32 th day.
DISCUSSIONS: In the English literature, the bilothorax was resulted usually from a fistula due to a trauma or related with a surgical intervention, diaphragmatic defect, another disease of the bile duct. Also it could be occured by the transmission of abdominal effusion from the diaphragmatic pores to the thorax. We are thinking that the reason of the bilothorax in our patient could be the latter. A significant contributing factor may be that he had a previous pyloric stenosis and gastric surgery, and they had been a faciliating effect of the passage of the bile. He had a left sided pleural effusion, and there was a few case reports of the left bilothorax in the literature related with thoracobilier fistula after trauma or invasive procedures. In the case report of Rowes, there was a perforation of the afferent loop of an old gastrojejunostomy (1 ).
CONCLUSION: In summary, the bilothorax is not a common complication of upper abdominal surgery. In this case, we should be carefully evaluated the reason, since it may be an important complication of the surgical procedure.
DISCLOSURE: Canan Hasanoglu, None.
Monday, October 23, 2006
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text:
How to Take Your Coffee?
Coffee is found almost everywhere in the world, and millions of people drink it every day. Despite the pervasiveness of this drink, there are many different ways to take it. Some add dessert-like s...
Read More »
How do you take your coffee?
strong ..hot and 2 sweetex..
Do you take sugar in your coffee?
NO, that is a good group, Guess Who.
Poll: How do you take your coffee?
I love, love, love my coffee made my own quirky way:large 4 cup mug3 heaping teaspoons of Tasters Choice regular coffee2 cups water1 cup 1% milkbig, big splash of Torani's sugar free syrup (brown s...
Read More »
How long does 1 cup of coffee take to leave your system?
On average, it takes one cup of coffee two to three hours to leave your system. However, in the average adult, trace amounts of caffeine remain in the bloodstream for five to 10 hours.References:Co...
Read More »


text:
Dafina Zeqiri & Ledri Vula ft. Sardi Dj - Got Ur Back
Description:Musicvideo by MAXPRODUCTION
Styling: LIA
Hair: Kaci
Make Up: Rezarta Galica
Beat by: Sardi Dj & Arbe Blass
Produced by: RedBox
Lyrics by: Dafina.Z & Ledri.V
Music: Dafina.Z & Ledri.V
Jewlery: FISI GOLD
Added:2 years ago
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Sijbrandi N.J. - Synthesis, morphology and properties of segmented poly(ether ester amide)s comprising uniform glycine or b-alanine extended bisoxalamide hard segments
Niels J. Sijbrandi, Ad J. Kimenai, Edwin P.C. Mes, René Broos, Georg Bar, Martin Rosenthal, Yaroslav I. Odarchenko, Dimitri A. Ivanov, Jan Feijen, Pieter J. Dijkstra
Polymer 2012
segments are highly phase separated thermoplastic elastomers with a broad temperature independent
rubber plateau. These materials with molecular weights, Mn, exceeding 30 103 g mol1 are conveniently
prepared by polycondensation of preformed bisesterebisoxalamides and commercially available
PTHF diols. FT-IR revealed strongly hydrogen bonded and highly ordered bisoxalamide hard segments
with degrees of ordering between 73 and 99%. The morphology consists of fiber-like nano-crystals
randomly dispersed in the soft polymer matrix. The micro-structural parameters of the copolymers were
addressed by simultaneous small- and wide-angle X-ray scattering. It is shown that the crystals have
strictly identical thickness, which is close to the contour length of the hard segment. The long dimension
of the crystals is identified with the direction of the hydrogen bonds. The melting transitions of the hard
segments are sharp, with temperatures up to 170 C. The studied polymers have an elastic modulus in
the range of 139e170 MPa, a stress at break in the range of 19e31 MPa combined with strains at break of
higher than 800%. The segmented copolymer comprising the b-alanine based bisoxalamide hard segment
with a spacer of 6 methylene groups has a melting transition of 141 C which is higher than the melting
transition of its glycine analogue of 119 C. Likewise, the fracture stress increased from 22 to 31 MPa
when the glycine ester group in the hard segment was replaced with b-alanine. The improved thermal
and mechanical properties of the latter polymers is related to the crystal packing of the b-alanine based
hard segments in the copolymer compared to the packing of the hard segments comprising glycine ester


text:
Una casa familiar: cómoda, práctica, para toda la familia
Our house is within walking distance to the town centre, supermarkeds and public swimming pool. In the summer our big garden is lush, lovely and and quite private even if it is in the middle of town.
The house is located close to the railway station and you can reach Oslo in 1,5 hours, Kristiansand in 4 hours, Bergen in 7 hours.
There are several lovely hiking areas nearby and in the winter you can get to the ski centre by a 10 minute bus ride.
Para organizar un intercambio de casa, debes ser miembro


text:
Originally posted on Red's Army | Last updated 11/7/12
There is no Celtics player under a bigger spotlight than Jeff Green this year. Or maybe it's more accurate to say no Celtics player is under more spotlights this season than Jeff Green. There are people watching to see how he returns from his heart surgery. Others are looking to see if he lives up to his contract. And a lot of us just want to see if he's going to be anything more than the lost guy we got in exchange for Kendrick Perkins. We were tantalized in the preseason by flashes of athleticism. But, for a variety of reasons, Green's play can, at best, be characterized as spotty so far in the regular season. The hope is, with time, Green and the rest of the Green-Teamers will figure it out, and things will slowly fall into place. That doesn't mean the journey will be easy. At yesterday's open practice, the media got a rare glimpse at the entirety of a Celtics practice (there's usually a curtain obscuring things for most of it). There, everyone saw Doc getting on Jeff Gre...
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