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Archives for October 2012
2.27.13: 2013 Innovation & Insight Day, featuring Celent's Eighth Annual Model Insurer Awards
Why Billing Matters
I have a homeowners policy with the DoNotDisclose Insurance Company. DoNotDisclose is a large, primarily personal lines company.
My policy term ends on Oct 8 every year. This past August, I received the dec page and invoice for the new year, and paid it in full online. I mean, I thought I paid it in full. Today I discovered that whatever I did, did not result in a payment being made.
I've been away from home for a few days. Opening my mail today (October 21) I had a letter from DoNotDisclose telling me that my homeowners policy expired on October 8 due to non-payment of premium. The letter was post-marked October 16. Between my initial invoice in August and my Expiration Notice, I had received the following communications from DoNotDisclose: zilch, nada, and rien,
Looking at the letter telling me my largest single investment had been uninsured for the past two weeks literally made me queasy.
Does anyone know a good personal lines company that understands the relationship among billing technology, billing processes, communication, and customer experience?
EU wins Nobel Prize but it's a tough time for European insurers
A lot has been said and written about the political and economic situation in Europe. Interesting news came from Oslo last week with the Nobel Committee awarding the Peace Nobel Prize to the European Union. While I reckon that some may be right to believe that the 70-year period of peaceful time we have been experiencing in Europe since the end of World War II could have been the fruit of the European Union construction, I have my doubts that what has been true in the past decades can be verified in the future. Being Swiss and therefore not part of the European Union, I think it would be worth providing my thoughts on the topic and what it means for insurers who are about to invest in Europe today and in the near future.
Obviously there is a "BEFORE" and an "AFTER" the financial crisis and I think it is important to analyse what has changed since 2008 and the collapse of US subprime bubble, the bailout of major financial institutions including banks and insurers and the downturn in the economy experienced immediately after that.
In terms of political stability we have to admit that the situation has been pretty shaky in certain EU member countries. Actually there is a rule that applies in a majority of them: governing politicians or political parties have lost power following the financial crisis. Examples include: Spain with the defeat of the Socialist party of prime minister Zapatero, Italy with the forced resignation of Silvio Berlusconi, France with the defeat of the UMP party and president Nicolas Sarkozy, Greece with the emergence of the fragile coalition following this year's elections. This is without saying claims from regions asking for more independence like Catalonia in Spain or Flanders in Belgium.
With regard to the economic situation, some countries parts of the Euro-zone are cause of worries. With more than 25% unemployment, Spain and Greece top this list. But what is still more worrying is not the state of their economy but its dynamic. Indeed, not only the number of unemployed people is high in these countries but the increase in unemployment is very fast. For instance the unemployment rate in Greece has been increasing at a 1% pace over the past few months. More than a debt issue, the problem faced by countries such as Spain, Greece, Portugal, Italy and to certain extend France is a lack of competitiveness and with the recession looming I fear the situation could not improve.It is in this tough environment that insurers are planning new investments in Europe. What we have already predicted in terms of investment in new core insurance systems in the life insurance sector seems to materialize. Uncertainty seems to hit less severely the general insurance sector (property and casualty) but the industry has still to generate underwriting profits in key lines of business for instance motor insurance in France and United Kingdom. I personally think that identifying and investing in innovative business models is key to grow and generate profit in the long term in this difficult market environment and I encourage insurance companies to challenge their traditional business model.
The Future of Retail Insurance in Latin America – A brief summary of the session panel
Last Wednesday during the Retail Insurance Conference (in Spanish: "Cumbre Internacional de Seguros Masivos") I had the pleasure of moderating a session panel about "The Future of Retail Insurance in Latin America" with the participation of Hilario Itriago, Director of IT & Operations Latin America for Royal Sun Alliance Group; Felix Chan Head of Science, Commercial Specialty for Chartis Insurance North America; Doyle Ray Oakey Director, Application Solutions – Financial Services Group for CSC and Paul Oudenhoven Vice President of Communication / CMO Latin America for Liberty Mutual Insurance.
The impressive background and experience of the panelists provided the audience with the possibility to look into the most important aspects around retail insurance. As a participant at the conference told me after, "It was great because they were able to summarize the most important things we have been listening during the entire conference!"
The panel covered the current state of retail insurance in the region, the opportunities and threats looking forward and discussed about the key elements and challenges in the path of pursuing this future.
The panelists agreed in 6 key elements and we could not perceive major disagreements, although we did see more emphasis in certain topics depending on the panelist:
1) The market is clearly a strong intermediated market and it will remain like this. In some cases it is because of regulation and a strong culture of intermediation, like Brazil. Even in the US, where Geico and Progressive are the best examples of successful direct insurance companies, the majority of the market remains to be intermediated.
2) Customers propose new ways to interact. Insurers and Intermediaries need to understand and engage accordingly. Segmentation provides a way to understand what products, at what price and using what channels.
3) They could expect consumers to go direct for the purchase of simple products at the beginning of their wealth cycle (when they have less assets and wealth to protect), but would always expect them to need of an advisor as their needs get more complicated (and they advance in their wealth cycle).
4) We have seen new players enter the market, especially in the intermediary side as it is the case of Falabella in Chile, but we can expect this trend to continue and increase. While Google's move into the space is of their attention, they do not consider it an immediate threat in the Latin American market.
5) Technology is an enabler to pursue this market, along with new ways to imagine the best operational model. Structures and processes to deliver products in the region can be re-imagined through the use of BPO and Shared Services for example and significant budgets need to be invested in IT if you are going to enter the direct insurance market.
6) Detect, educate and retain human capital with the required knowledge and execution capabilities is one of the toughest challenges. While innovation is important they believe that whatever results of it constitutes a competitive advantage difficult to maintain. Instead, the main differentiation can only be achieved by people and discipline in execution.
It was interesting to learn that CSC fosters innovation internally by a special program for its employees to work on innovative projects with impact on their customers. The advantage of CSC is that they are able to protect innovation by means of intellectual property. ClimatEdge™ is a result of this program. It is an innovative new suite of offerings that exploits historical data from sources such as NASA and NOAA to help commodity traders, risk managers and analysts better leverage government satellite, modeling, and earth observation data to minimize risk and make better-informed financial decisions.
In summary, panelists believe that aiming for the 4.2% of insurance penetration (premiums as a % of GDP) as verified in Chile, should be the first goal in terms of growth in the retail insurance market and that a delicate balance between innovation and execution is required while at the same time protecting the business margins. Immediate threats and challenges reside in having the correct skillsets to execute. In a longer term, the outsider players – especially those we still do not know or we are just starting to perceive – and also some technological developments such as the driverless car which could alter the way insurance looks at these risks. Most of them did not perceive threats or an imminent disruption. Significant changes if perceived would take no less than 10 years.
In my opinion, while I agree that changes do not occur overnight – at least not in this industry – we should expect a more accelerated disruption triggered by technology which impacts in consumer behavior and as an enabler of new business models and offerings:
1) Mobiles/smartphones, internet and social media, all of which present higher adoption patterns in the region as compared with the rest of the world, enable new consumer behavior.
2) Outside players, specially those that are more used to serve these new type of customers, will gain importance on the intermediation side but also becoming a threat to insurers eventually.
3) On Demand, Cloud and SaaS are all enablers for smaller and new players to take advantage of technology, that was before only at the reach of bigger insurers, to serve those new segments of consumers.
Traditional players could still have an important role if they do not underestimate this wave of change.
More Q&A following our webinar on the Strategies and Options for Managing Closed Blocks: Life, Pension and Annuity Edition
Since Karen Monks and I held our webinar on the strategies and options for managing closed blocks, we have had a number of follow-up questions. We'll aim to answer as many as possible in this blog.
If you any further questions, then please do not hesitate to contact us directly.
What regulatory /compliance problems do insurers foresee while migrating to BPOs/TPAs for closed blocks in the US?
When an insurer considers BPO / TPA as a solution, most regulators around the world express a keen desire to stay close to the decision making process. In some countries, there is also a requirement to notify the regulator as well as the policyholder. At the centre of the regulators' concern is to ensure the fair treatment of the policyholder and, increasingly, to also ensure that their information, as well financial assets, are secure.
In the US, TPAs increasingly are required to follow many of the licensing and record keeping rules that insurers must follow, thus an insurer would do well to understand the guidelines under which TPAs must work in each state. The insurer will want to ensure that the TPA selected is compliant and protecting the security of the insurers data and information.
Another issue that insurers noted as a result of the compliance and regulatory requirements related to notifying policyholders of the use of a TPA was the potential for some sleeping policies to awaken. This may cause an uptick in claims as beneficiaries come forward.
Many insurers that we spoke with recommended engaging the regulator early in the decision process; as this was considered key to obtaining early guidance and also helping to manage their expectations throughout the process.
Do you have a sense as to the number or percentage of insurers who see their closed blocks as a 'problem' (i.e. that they can't manage, are losing staff who can support the product, the costs are escalating etc)?
Not as a number or percentage. Through our interviews, it was clear that economic uncertainty, low investment returns and the availability of capital to support generous product guarantees are behind driving an increased interest in the topic. Unfortunately, only those who have gone public with a decision already or are currently in a distressed state can be identified easily as having a 'problem'.
In our survey, it was interesting to see that many insurers see expense reduction, releasing capital and avoiding management distraction as three of the main reasons for pursuing a strategy. Additionally, nearly all insurers that we spoke to were actively investigating the issue, although some were clearly further ahead in their thinking than others. Those insurers we spoke to without a burning platform appear to be just entering their strategy definition phase.
What were the roles of the individuals interviewed for this study?
They were all senior managers within their firms (i.e. Head Of, VP, Director), with a responsibility for strategy, operations or IT.
What would an administrative reinsurance strategy be classified according to this study, Divest (sell-off)?
This proposition is a mix of liability offset (via the reinsurance arrangement) together with a BPO arrangement. Many reinsurers use existing BPO players in the market to provide the administrative service for them. Consequently, when considering options and depending upon the business drivers, it may be a good idea to evaluate how a pre-packaged proposition from a reinsurer versus a component solution compares.
Are you aware of any real success in the UK or Europe with the convert/buy-out option?
Conversions and 'buy-out's are tough. Ultimately, success depends on gaining agreement of every policyholder sitting in a closed block on a system to agree to the conversion / buy-out prior to being able to decommission the platform. These strategies can also attract a significant amount of regulatory oversight as they aim to ensure that policyholder interests are not being impacted unfairly.
Unfortunately, in our experience, this is not a well-documented area with many success stories that can be referenced. The largest and most notable examples tend to come from distressed insurers or funds where the policyholder is left with the choice of either accepting lower guarantees or investment performance in exchange for financial stability, or have the insurer or fund face bankruptcy.
Are companies considering BPO+ITO as an option to outsource or is it individual BPO and ITO only?
Unfortunately, there is not a 'one size fits all' for the market and the solution will depend to a large extent on what agreements the insurer already has in place, such as pre-existing ITO agreements, and how much outsourcing has already occurred. Consequently, insurers are still looking at both options.
From our perspective, there are a growing number of propositions being developed for BPO+ITO in the market, albeit targeted largely at satisfying a specific product type, such as Annuities, Protection, LTC or pensions. The trend is to market these propositions on an 'as a service' or outcome based model enabling the insurer to move onto a variable cost base quickly and achieve a degree of certainty over future costs.
Did you find any cases where a company had outsourced to a supplier and then taken it back at end of contract? Is it even feasible to take back a block if supplier and insurer decides it doesn't work?
No. We did not research this specific issue. However, you are right to raise this as a concern. Any insurer considering a BPO option (especially where replatforming is involved) should consider carefully how they plan to exit the BPO contract should performance not meet expectations or as a result of a change in strategy. We recommend that this question be addressed early as part of an RFP and effective due diligence activity. If replatforming, it's an essential consideration to understand the approach to migrating off the platform and, where relevant, the transfer of technical IP alongside it.
Does Celent have any example organisations in the UK and US that have successfully reduced costs of back books through technology transformation?
Yes. Please look at Celent's report entitled 'Seven lessons from a successful platform transformation'.
Have you seen any examples of successful technology transformations without BPO?
We are writing a Solution Spectrum report for release later this year. In preparation for this report, we have asked consultancies, BPO service providers, system integrators and software vendors to provide us with brief case studies on this topic as we recognise this is an area of interest.
Certainly, there are successful platform transformations and projects involving decommissioning or wrapping systems as we hope that these case studies will show. However, it is often difficult to look at these cases in isolation without considering the wider impact on business strategy and supporting business models.
What are the key differentiators that insurers look for in a vendor when they consider the technology transformation option?
A great question. Unfortunately, we did not ask this question in our research so cannot answer categorically.
However, the primary drivers cited for technology transformation include expense reduction and removal of the technology obsolescence risk. Consequently, based on our other research into related topics, it is reasonable to assume that insurers are likely to be focused on the ability to reduce costs quickly, the ability to reduce the risk of obsolescence, and long-term flexibility.
Is there a business case for technology vendors to invest in creating a standardized methodology for addressing closed blocks of business?
This is a 'it depends' answers. There is no 'cookie cutter' approach being marketed currently. Some vendors have acquired or are aligning their existing capabilities to address the closed block issue. The more advanced propositions have aligned common insurance frameworks and methods with their technical assets to support the process.
What platforms are you seeing being most used to host closed blocks?
From what we have seen, there is no single platform that is becoming the default for hosting closed block business. Although many BPO providers will standardise on a single platform for their operations, this platform together with all of the dependent systems differs between each competitor. However, there are a few platforms that appear to be at the heart of operations for managing closed blocks. Among others, these include: Accenture's ALIP; CSC's product suite of CyberLife, WMA, Integral and AIA; Infosys McCamish; TCS BaNCS; and many more home-grown or inherited solutions.
When selecting a platform for closed blocks, the reality is that BPO providers and insurers still need to take each decision about a closed block individually and evaluate the RoI for moving specific product groups versus retaining them until run-off. Until successful migrations become part of the fabric of normal IT operations, there is likely to be a number of platforms running in concert for a little longer.
You said in the webinar that this was mainly an older mature market problem today. When will we see the same issue arising in younger / emerging markets?
Our view is that it is inevitable that the same issues will be experienced elsewhere in younger and emerging markets unless those markets consider the lifespan of these products from the outset at their design stage and put in place strategies to anticipate product longevity and the run-off. The good news is that these markets have the opportunity to learn from developed markets and not to make the same mistake of focusing too heavily on new product launch without actively managing product retirement.
Also, it is important to note that software and systems integration methods have matured enormously over the last 10-20 years meaning that the technical risk of transformation and large scale data migration is much reduced, although it should be noted that the project risk around poor execution and leadership may still be present.
Successful transformations and migrations are possible and no longer a CIO's bravest decision.


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Obama seeking $2 billion for immigration crisis
WASHINGTON — President Barack Obama is preparing to ask Congress for emergency spending of more than $2 billion to deal with the crisis of unaccompanied kids at the Southern border, but for now he won't seek legal changes to send the children back home more quickly.
That decision comes after immigration advocates objected strongly to administration proposals to speed thousands of unaccompanied minors back home to El Salvador, Honduras and Guatemala, where many face gang violence.
The White House insists the kids must be returned. Administration officials say they are still working on ways to do it faster, but say that the request for specific legislative changes will move on a separate track than the emergency spending request Obama is sending to Congress today.
Decoupling the spending request from the contentious policy changes, which faced pushback from Obama's own political party, may give the emergency money a better chance of getting through Congress.
The decision to submit the spending request apart from the policy changes was confirmed Monday by two Capitol Hill aides who spoke on condition of anonymity because they were not authorized to discuss the plan by name ahead of the formal announcement.
An administration official said the White House has already advised the congressional leadership that it wants expanded authority and said it is still seeking those policy changes. The official, who spoke on the condition of anonymity to describe the request before it is announced, said the administration always intended to send the request for money separately.
The developments underscore the delicate position the administration finds itself in as it risks alienating allies by pursuing changes to turn the migrant kids around more quickly. More than 50,000 have arrived since October, in many cases fleeing violence at home, but also drawn by rumors that they can stay in the U.S.
Congressional Republicans blame Obama policies for the confusion; Obama administration officials dispute that.
The money Obama is seeking would be for immigration judges, detention facilities, legal aid and other items that could address the situation on the border, which the administration has termed a humanitarian crisis.
As lawmakers return to Washington this week from a weeklong July 4 recess, Obama's spending request is set to be a focus, with the Senate Appropriations Committee scheduling a hearing to examine it. It's not yet clear how lawmakers will react to the request, although aides seem optimistic it will get through the Democratic-controlled Senate in the coming weeks.
The issue has become a political problem for Obama that looks likely to follow him this week to Texas, where he is traveling primarily to raise money for congressional Democrats. White House Press Secretary Josh Earnest reiterated Monday that Obama had no plans to visit the border, but Obama faced renewed criticism from Republicans over that decision.
"President Obama needs a wakeup call — and visiting the border and seeing firsthand the severity of this ongoing crisis is that wakeup call," Sen. John Cornyn, R-Texas, said in remarks prepared for delivery on the Senate floor.
The developments all come as Obama has declared comprehensive immigration legislation dead in Congress and announced plans to proceed on his own by executive action to make whatever fixes he can to the nation's dysfunctional immigration system. That could put Obama in the seemingly contradictory position of shielding millions of people from deportation while at the same time trying to hurry deportations for the unaccompanied children.
The White House told Congress last week that it would seek "additional authority" for the Homeland Security secretary to quickly return the minors back home.
Immigration advocates understood this to mean that the children, who currently have the right to a hearing before an immigration judge, would lose that right and instead would have to make it through an initial screening with a Border Patrol agent.
The immigrant advocacy community responded angrily, with more than 200 groups signing onto a letter last week calling on Obama to reconsider the changes.

subset: commoncrawl


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Barcelona are Arsenal's opponents in the Final of this season's UEFA Champions League. Follow the fortunes of the Nou Camp side in our weekly Euro Watch.
Sevilla 3-2 Barcelona
Saturday, May 13, 2006
Barcelona suffered only their second defeat in 20 games away to UEFA Cup winners Sevilla on Saturday.
With the Champions League final only four days away however Barcelona rested eight first-team players for their penultimate La Liga game of the season.
Ronaldinho, Eto'o, Giuly, Deco, Puyol, Edmilson, Marquez and van Bronckhorst were all left out of the side.
Middlesbrough's conquerors Sevilla raced into a two-goal lead through Daniel Alves and a Carrion Aitor Ocio penalty.
Barca hit back with two goals in a minute through Santiago Ezquerro and former Gunner Silvinho. But a 76th minute header from Sevilla's Kepa Blanco won the game for the Andalucians.Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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12 April 2014
2014 Service Schedule from Last Friday of the Great Lent to Resurrection Sunday
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More Articles...
Fr. Wissa Bessada's Funeral Liturgy and Burial Live Broadcast Starts at 8AM
A true father
Fr. Wissa Bessada
We bid farewell to our beloved father Wissa as he has departed the earth for heaven on April 28, 2013 and we ask him to remember us in front of the Lord. May the Lord repose his soul in the Heavenly Jerusalem and comfort us all.
Wake: Tuesday 4-30-2013 7PM
Funeral Liturgy and Burial: Monday 5-6-2013
انتقل من عالمنا الفانى ابينا الحبيب القمص ويصا بساده. نسأله ان يذكرنا امام عرش النعمه. و نسأل الله نياحا لروحه في اورشليم السمائيه و ان يعزي قلوبنا جميعا
العزاء: Tuesday 4-30-2013 7PM
صلاه الجناز: Monday 5-6-2013
Staten Island Advance article about Fr. Wissa Bessada
Weekly Sermon by H. H. Pope Tawadros II
Welcome to MichaelMenaSI
MichaelMenaSI website went live on 10/10/10 the 30th of Tute, 1727. It is the commemoration of the Miracle which God Performed to St Athanasius the Apostolic.
By the grace of God, we are working to make our website as comprehensive as possible. Please pray for us, and email us your suggestions at email@example.com
Please visit our website every week for new additions, and updates.


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Perhaps it was her attack on his NBC "Football Night In America" colleague Keith Olbermann that spurred this reaction. But, for whatever reason, Sports Illustrated columnist Peter King dedicated a paragraph to conservative heroine Ann Coulter in the unlikeliest of places.
King, without citing the specific instance, aimed his attack at Coulter in his March 16 "Monday Morning QB" Sports Illustrated.com column. It made No. 10, Section b in the article headline "Ten Things I Think I Think."
"Thanks, Ann Coulter, for reveling in the decline of the liberal newspapers," King wrote. "Nice of you to be making the great money you obviously make while hard-working reporters and editors and photographers -- from liberal and conservative papers alike -- are being put on the street every day. This is a crisis without ideological fault lines, sister. And the New York Times isn't going anywhere."
The New York Times may not be going anywhere, but its stock price (NYSE:NYT) has fallen hard in recent weeks. It's currently trading at $4.11 a share, but only after falling to its 26-year low of $3.44 share price.


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Before deciding to utilize the assistance of the associate site that your prospect for an administrator or depository recommends. Good luck, and remember this guide is here to get you through. This is actually the sad statement, though one that could be organized investing companies and by investors alike.
Gold IRA is furthermore sought after as its value may be ascertained internationally not enjoy foreign currencies whose costs differ from country to country. Gold, for example, has consistently increased in value for the last ten years. All the other important precious metals, for example platinum and silver, have followed the same curve. A fact that boggles the mind of several, to be precise, those reaching their retirement period is their fiscal security. And now Dior Homme has endowed aviators with luxury and fashion by using 18k gold.
Regardless of whether you invest your cash in something as risky as shares or something as stable as home, your cash is still at risk. Gold purity is measured concerning karats (Kt), with 24 Kt being the purest and the purity falling with lowering of karat value. It's not possible to keep your coins in your possession.
Also, it is going to assist you in managing your items. best gold ira has an outstanding rate of exchange which is the reason it is a clever way to keep your cash. As whoever owns an online store that specializes in selling men's rings, One'm frequently asked about the amount of gold and whether I believe the current "bubble" is going to burst. Now, most of the economies work on floating or fiat money.
Retirement is an investment that people just can't mess up. It's been through two of the most deadly world wars. It's nevertheless suggested to really pick precious metal.
Following these measures will ensure you of secured transportation by way of mail. These gold items are made from precious metal, and at an all time high with gold costs, have significant value when sold to the business that is right. An ideal aspect about the procedure is that the results will probably be afforded fairly only through an IRA rollover.


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The content covered in Edgar Papke's keynotes reflect his experience from a career dedicated to coaching and developing team strategy with CEOs and senior executives. Working with leaders to solidify and align team goals and culture, he focuses on the core development of teams.
Papke is recognized all around the world for his unique style as a keynote speaker and conference facilitator, as well as for his authentic and unparalleled approaches to and theories on leadership, team development and management styles.
He possesses an interesting education, which includes a degree from the Culinary Institute of America, a master's degree in organizational psychology from Regis University, as well as a B.S. in International Business Administration.
Edgar Papke's keynotes contain content and advice that can be applies to teams and work cultures in a wide variety of industries. He is recognized as both a seasoned speaker and management leader.


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Your Best Health
A flexible low-carb lifestyle plan that's easy to follow.Top Rated Diets of 2017
Your Best Health by Mandy Seay is an eBook available for those that want to embrace their best possible health. Seay is a registered dietitian and offers a way of eating that is low in carbs without being super restrictive. This eBook is a guide for those seeking diabetes management, weight loss or wanting to lower their cholesterol and blood pressure. This program will help you lose weight and gain better health because the program is customized to meet your needs. Your Best Health is a low-carbohydrate way of life.
There are several different sections of the book along with some appendices for added reference. Throughout the book you will find thorough explanation of the program, including how different foods affect your weight, guides on eating out, and how to categorize the foods you eat.
The Your Best Health program is to be practiced as a lifestyle rather than a quick fix diet. You will be able to maintain this style of eating for the rest of your life according to the book, but it will take some work. The program adopts an attitude of "all things in moderation." Your Best Health is not as restrictive as some low-carb diets. You are asked to follow the program faithfully 80 percent of the time while eating what you want 20 percent of the time. Processed foods are avoided while following the program and there is a heavy focus on lean meats, dairy, non-starchy vegetables and fruits.
Do You Know the Best Diets of 2017?
- Encourages eating more whole fruits and vegetables
- Helps eliminate processed foods from the diet
- Incorporates exercise along with healthier eating
- Book offers a complete guide for the program
- Menu plans included for meal ideas
- Program is flexible, following the 80/20 rule
- Includes foods that are traditionally restricted on other low-carb programs
- Contains a lot of information to sort through
- Low-carb diets can be restrictive and hard to adjust to
Eating on the Your Best Health program highlights the importance of a food's carbohydrate value. The program consists of a diet that is low-carb in nature. You are given a list of foods that have higher carbohydrate content, which should be avoided. Non-starchy vegetables, fruits, dairy products and lean proteins are recommended for helping your health improve. These types of foods will also help you lose weight. You should avoid foods and beverages sweetened with sugar. When preparing your foods, the best way to cook them is by microwaving, grilling or baking. Although no food is off limits, you will be kept to a certain number of carbs each day. There are free foods that you can have in unlimited quantities. Those foods are:
- Diet sodas
- Mineral water
- Garlic
- Fresh herbs
- Nonstick cooking spray
- Worcestershire sauce
- Mustard
- Seasonings
- Herbs
Another important factor of this program is the timing of your meals. When you wake up, you should eat within the first hour of waking up. Breakfast is important because research has shown that those who skip breakfast consume more calories throughout the day. If you are going to have more than four to five hours between meals, include a low calorie snack of no more than 150 calories. This will keep your blood sugar levels regulated. A sample daily menu is offered below:
- Breakfast: 8 oz milk; 1 English muffin; 1 oz Canadian bacon; 2 egg whites
- Snack: Light cheese stick with 17 grapes
- Lunch: 2 flour tortillas; 2 oz skinless chicken breast; lettuce, tomato, onion, cilantro, green peppers; 1/3 cup reduced fat cheese; 1 ¼ cup of strawberries; 1 lite yogurt; 2 Tbs. avocado
- Dinner: Salad with lettuce, tomato, cucumber, and red onion; 1 medium size potato; 1/3 cup reduced fat cheese; 1 low carb ice cream for dessert; 3 oz lean sirloin; 2 Tbs. reduced fat, no carb salad dressing
- Snack: 1 small apple and 1 ½ tsp. peanut butter
Some of the recommended tips for losing weight include eating every four to five hours, changing your environment, stopping mindless eating, cutting your meals in half at restaurants, and staying hydrated.
There are menus and meal plans available for daily calories ranging from 1,200 to 2,800. There are plenty of charts available that will show you what a serving size is for one carbohydrate serving. You are allowed to have multiple carbohydrates servings with each meal coming from the categories of starches, fruits and milk or yogurt.EXERCISE
Exercise is mentioned as one of the best ways to manage or prevent certain weight related conditions like diabetes, high cholesterol and hypertension. With just one session of exercise, you can increase your insulin tolerance. The longer you exercise, the more your insulin tolerance increases. Some of the recommendations for exercising include getting some movement in for at least 150 minutes each week and try not to take two days off in a row. Five days each week of 30 minutes of activity is really all you need to incorporate. If you find yourself busy, you can break up your exercise into two 15 minute sections. Some of the things you can do for exercise include:
- Yard work
- Gardening
- Walking
- Running
- Swimming
- Tennis
You are encouraged to start slowly and work your way up to 30 minutes. This is especially important if you haven't been exercising regularly. It is important to mix in cardio, resistance training and stretching so that your body doesn't become used to a certain workout. Some options are given for those that may not be able to afford a gym membership including cable access exercise TV programs, walk or run the stairs at a nearby stadium, go out dancing and play soccer with your kids among many others.CONCLUSION
Your Best Health offers a walk through guide with all of the information you need to follow a low-carb diet. This eBook includes a lot of information which may be intimidating for those that want a simple guide to follow. Your Best Health does include some important emphasis on exercise which is something some low-carb diets lack. Overall, if you are able to stick with the eating portion, you will see results.Common Misspellings
you're best health, your bet healthy, your best healthy, you best health, your bests healthHow Does Your Best Health Compare?
- Product Name
- User Rating
- Easy to follow
- Cheap Price
- Fast Results
- High Protein Diet
- 91/100
- Dukan Diet
- 89/100
- Paleo Diet
- 87/100
- Plexus Slim
- 77/100
- Your Best Health
- /100
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Related Diets: Atkins Diet, South Beach Diet, South Beach Diet Supercharged, Low-Carb Diet, The New Atkins for a New You
Your Best Health?


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Hemlock Lane at Valley High: A Stable 25 years in the Planning!
As you know, Derek, Lizzie and I moved two years ago to our farm and have been renovating it ever since. Despite the fact that this was originally a horse farm, the barns were all too small to accommodate the size of the Percheron girls. In addition, we found that all of the outbuildings, as charming as they are, were way too far apart to have animals spread out over 35 acres. Just bedtime check on everyone was an event! So, we decided to bite the bullet and build a new stable that would house both our English Setters and the Percherons.
Both Derek and I have spent a lot of time in both barns and kennels throughout the years so we wanted to build a smart building that accommodated all of our needs. Frankly, when Derek and I first started dating (we met riding equation for Miami of Ohio), we used to spend evenings sketching what our dream barn would look like. I know - we were (and are) certainly a little dorky! However, as our relationship went along and we got married, we kept designing on paper - we are probably both frustrated want-to-be architects!!
So, when we finally were faced with a clean palette and the necessity of putting in a new building, we were able to realize our dream. The entire project commenced in October of last year and stretched through one of the worst, coldest winters on record; we lost weeks of construction time due to the below 30 degree temperatures.
But I am very pleased to announce that 9 months later, we now have the most gorgeous dream bar! We wish we could spend every waking hour in it!! Builder Bob (whom I've introduced you to in earlier blogs) has done it again and we are so excited. We moved the animals in last weekend.
We splurged on our stall fronts from a wonderful company called Rockin J' out of Oklahoma. They custom-made all of our fronts and even created matching smaller fronts for the pony stalls. The center aisle is reclaimed road brick while the center hunter green "Gas Station Lights" are an antique find. The entire building is done in dark hunter green, copper, brick and dark walnut colors.
The tack room has a walnut floor plus other equestrian details and antique finds.
The dogs plus all of the tack and feed rooms are on radiant floor heat, which the dogs adore - I find them on the floor soaking up the heat instead of their dog beds.
The kennel floor is done in a grey slate-like product that our good friend John Fabelo helped us find. Our kennel runs are all Mason Fencing and the covered outdoor runs are done in a "Doggy Astroturf". These first pictures are hot off the press - I'll continue to update you as we continue to move in!


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Painting "W" first
Just out of curiosity, whenever I see paint ads advertised on tv for Sherwin Williams or Home Depot, they always show the models painting a big W on the wall. And they start in the middle of the wall. What's the meaning of this? I've been painting for 10 or so years, have worked for many paint companies, and was never shown to paint this way. I figured it's to simply get the paint that is soaked on the roller off in the middle of the wall, then to distribute all that paint throughout the wall to prevent drips at the bottom sweep of the roller by the floor boards, but I've always started either left to right, or right to left.
I don't get it either. The ads must be made by ad men, not anyone who has a clue about painting.
First- a frame should be on a pole so you can make an even stroke from top to bottom in one clean pass.
Load roller well - i like to start on the up stroke and make a "slight " angle equal to 1.5 width of the roller. Go up and down spreading this evenly through that area. End with straight strokes from top to bottom.
Should be a total of about 5 passes through the area. Overlap the next one by half of a roller.
NEVER hold the frame in your hand on a full wall. Complete waste and inefficient.
The W stands for Rookie.
I will explain it to you the way it was explained to me. If you dip your roller then start painting left to right your first couple rolls will be with a fully loaded roller as you move to the right now there is very little paint in your roller so you dip again. Where you left off the paint is now light . when you start again it is heavy. In a lot of lights these will show as stripes. When you put the big W or M or whatever then you go back and even it out it will eliminate this effect. I believe this happens more with DIY than pro simply because pro knows to look out for it. JUst what I was taught, judge for yourself.
Ok, first off, I am a complete newbie and it's about to show... But what is a frame? I'll be painting soon and definitely don't want to be wasteful or inefficient.
The thing you put the roller cover on.
sorta like this
I wondered this too. But, if you think about it, the pattern of rolling is in the W or M shape, what they show is an extremely literal form of the letters/idea. Toolseeker had it right when he said the first effort is to spread the roller load over the width of the move, then up and down to cover, then back and forth/back into to layoff. When you're doing that you're actually making an abstract M or W. Watch for it next time you're rolling.
If you read any DIY / novice painting advice, it almost always says "start by painting a W and then spread paint out from there." I don't think I've ever seen a HowTo that DIDN'T say that. Im sure it's not how the pros do it, but the average person buying paint from Home Depot is NOT a pro, and isn't going to spend or work like a pro.
I'ts amazing to me how many people on the DIY website are pros who look down on those who DIY.
So Bob- is explaining a more efficient way to paint that every painter that has painted for more than a week uses looking down, or informing?
Go read my post, then go to see it for real here.
Knowledge is power.
The "the 'w' is for rookie" comment just got me to thinking about all the similar posts I stumble upon from professionals. I love the constructive posts some of you guys make, and even the good-natured ribbing about those of us who don't know what we're doing, but sometimes it doesn't come off as good-natured so much as resentful. Tough to gauge online, I guess, so I could be just mis-interpreting.
That guy had more paint on his pants than on the wall:laughing:
Not like the HD girl wearing all black, no drop cloths and holding the roller frame, making a W... he must be good! lol
We were all rookies of a trade at one point of our lives, and though some of you may be veterans of your trade, I'm sure you still seek advice from pros of other trades for projects you're working on to save on labor costs. If I would have known posting this thread up would have sparked that kind of a response, I wouldn't have asked. I mean, come on people, this is a DIY'er site, where inexperienced people come to seek advice from professionals. I was simply just asking to see if other pros have seen this and are using this strategy on a regular basis
Thanks brushjockey, toolseeker and jsheridan for the answers I was looking for. Good luck ashley with the painting!
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|Roberts, Andrew - Andy
|Mclean, D
Submitted to: Journal of Animal Science Supplement
Publication Type: Abstract Only
Publication Acceptance Date: 3/10/2006
Publication Date: 7/1/2006
Citation: Roberts, A.J., Mclean, D.J. 2006. Microarray analysis of gene expression in anterior pituitary glands from anestrous and cycling postpartum beef cows. Journal of Animal Science Supplement 84(Suppl. 2):158. Interpretive Summary:
Technical Abstract: Oligionucleotide microarrays (GeneChip Bovine Genome Arrays, Affymetrix Inc., Santa Clara, CA) were used to evaluate gene expression profiles in anterior pituitary glands collected from four anestrous and four cycling postpartum beef cows. Anestrous cows were slaughtered 40 to 61d after calving at ~2 yr of age. Cycling cows were slaughtered 7 to 13 d after estrus, at 54 to 77 d after calving. Anterior pituitary tissue was collected and snap-frozen in liquid nitrogen within 22 to 37 min after exsanguination. Total RNA was isolated from each sample and was reverse transcribed into double stranded cDNA and subsequently transcribed in the presence of biotinylated UTP to generate target for hybridization on the Bovine Genome GeneChip . Each sample was hybridized to an individual Genechip containing 24,027 total probe sets including 23,080 bovine transcripts representing 19,000 unigene clusters as of March 2004. Levels of expression were compared across arrays using GeneChip Operating Software (GCOS; Affymetrix). Nine transcripts were expressed at greater levels in pituitaries from cycling cows than anestrous cows, including: IGFBP-3, gastrin-releasing peptide (GRP), claudin 1 (CLDN1), transcripts exhibiting >91% homology to the human genes 2-hydroxyphytanol-CoA lyase (2-HPCL) and Kelch-related protein 1 (KRP1), and 4 uncharacterized transcripts (Unigene ID Bt.2501, Bt.10261, Bt.12034 and Bt.14570). Transcripts expressed at lower levels in cycling than anestrous cows included: signal transducer and activator of transcription 3 (Stat3), versican (CSPG2), translation initiation factor eIF-4E (eIF-4E), microsomal glutathione- S-transferase (MGST1), protein S alpha (PROS1), and two uncharacterized transcripts (Unigene ID Bt.33897 and Bt.25587). Although further study is required to confirm the role of these genes in the transition from anestrous to cycling status, results demonstrate potential of this methodology for identifying novel mechanisms regulating reproductive function.


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Paddy Power refund to heart-broken Celtic backers
To summarise many a tweet from last night: 'You'd rather go to the Camp Nou and be hockeyed 6-0 than lose that way.'
Despite travelling to Catalonia with a chance of winning rated somewhere between 'slim' and 'the amount of work Michael Barrymore has had since 2001′, Celtic performed admirably against the best team in the world and a share of the spoils would not have been considered overly fortunate.
With about 30 seconds to go until the final whistle, Jordi Alba poked the ball past Fraser Forster to deny Celtic reward for one of their great European displays. In fairness to Neil Lennon, there was no excessive watch-tapping, moaning about the referee or poking Barca staff in the eye. The Celtic boss took the heart-breaking defeat as well as could be expected.
Immediately Paddy Power punters on social media were asking about the possibility of a refund. For the faithful backers of the Bhoys all over world, it was a painful way to lose and true to our mantra of 'We Hear You', we're delighted to oblige.
Since Celtic weren't the victims of terrible refereeing or a visually impaired linesman, it's not quite the same as one of our famous Justice Refunds, but it feels like the right thing to do, so Paddy was happy to consent to the refund.
As a result, we're refunding certain losing pre-match bets on Celtic as a Free Bet to be used on any football match in the coming days. We're refunding singles as Free Bets on:
- Bets on Celtic to win
- Bets on the match to be a draw
- Bets on Celtic (Draw No Bet)
- Bets on the Correct Score of 1-1
It's rare such a huge underdog goes to the Camp Nou and puts in such a committed and disciplined display. It's even rarer they get a sniff of coming away from the game with anything more than a sore back from picking the ball out of the back of the net. Celtic's performance was incredible and punters who were so cruelly denied deserve to get something back. That's on top of paying out on all three of the potential results in the First Goalscorer market of Georgios Samaras, Own Goal and Andres Iniesta! Excited exclamation mark indeed.
If you backed any of the above bets pre-match, you should see a Free Bet landing in your account in the very near future. If you don't get a refund you think you're entitled to (a) make sure you know the refund is for pre-match singles only and then (b) contact our customer service team via the website or at @AskPaddyPower on Twitter.
– Applies to single bets placed online only.
– Bets must be used between now and Sunday midnight.
– Excludes in running bets.


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LOS ANGELES – SublimeChina.com, a Los Angeles-based travel agency that specializes in custom and pre-packaged China tours, recently launched a survey asking American retirees which
MUNICH – XING Events has expanded its product portfolio and now offers services for all phases of a business event. Apart from a rigorous product
BRUSSELS – ACI Europe issued a statement regarding yesterday's terrorist attacks in Zaventem Airport and a subway station in Brussels: "The events in Brussels today
MONTREAL – Transat A.T. Inc., one of the world's largest integrated tourism companies and Canada's holiday travel leader, has received a firm offer from TUI
FRANKFURT – 400 Fraport employees share in milestone ceremony – Terminal 3 secures Frankfurt Airport's future competiveness – First phase for up to 14 million
LONDON – The popular London Pass sightseeing card has become better value and more convenient than ever before with the new inclusion of 'hop on,
LONDON / FRANKFURT – The Global Business Travel Association (GBTA) announces its education programming for GBTA Conference 2016 Frankfurt in Partnership with VDR. For the
FRANKFURT, GERMANY – Western Europe's business travel spending is projected to increase to $211.2 billion USD in 2016 and top out at $225.6 billion USD
HAMBURG – The CCH – Congress Center Hamburg continues its legacy as one of Europe's largest convention centers after undergoing remodeling and comprehensive modernization. With


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Brad Pitt on First Teaser Poster for David Ayer's Tank Movie 'Fury'
by Alex Billington
June 24, 2014
Source: The Film Stage
War Never Ends Quietly. Oh man I'm looking forward to this so much. A new poster has debuted for David Ayer's WWII tank movie Fury, starring Brad Pitt as well as Shia LaBeouf, Logan Lerman, Scott Eastwood, Jon Bernthal, Xavier Samuel and Michael Peña. However, it is only Brad Pitt who shows up on this poster, slouched over the turret of his tank. Hopefully this means we'll see a character poster for each of these guys, but aside from that, I really like this poster. It's simple, but has a gritty edge to it, and evokes the sadness and fatigue of war. Early footage for this looks awesome, one of my most anticipated fall films. In full below.
Here's the new poster for David Ayer's Fury featuring just Brad Pitt, first found via The Film Stage:
Written & directed by David Ayer (Street Kings, End of Watch), Fury follows a crew of Americans who embark on a brave mission. As the Allies make their final push, a battle-hardened army sergeant named Wardaddy (Brad Pitt) commands a Sherman tank and her five-man crew on a deadly mission behind enemy lines. Outnumbered and outgunned, Wardaddy and his men face overwhelming odds in their heroic attempts to strike at the heart of Nazi Germany. Shia LaBeouf, Logan Lerman, Michael Pena, Jon Bernthal and Jason Isaacs star in the film which Columbia Pictures has set for release November 14th later this fall.
Watch the first full trailer for David Ayer's Fury right here. "Ideals are peaceful… History is violent."
Follow Alex's main profile on :


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I was already sedated when I was given the consent form to sign. I was never given after care instructions. I even asked for them at my follow up visit, was promised I'd get them and while waiting in the waiting room as the nurse/tech had requested I was urshered out by one of the sales people and told I didn't need to stay.
Even after I protested and said I was waiting by the instruction of the nurse I was take to the door and "helped" out. COuldhave been because my stitches were removed too soon and I had blood streaming down my neck as I waited and they were bringing in new/potenial candidates to sign up for their surgery dates into the waiting room.
I was also told I was a good candidate for the surery before. After the surgery my Dr. said I was not the best candidate for the surgery and would have done better with just lipo. I was told my lifestyle lift would be redone for the 4 times I went in for follow ups afterwards only to be told the next time (when I was supposedly ready/healed enough to have the surgery redone) that they had gotten the best result they could with me as I was not a good candidate for the surgery (not old enough, no sagging skin, etc.).
I also have no change other than scarring which I've already paid another doctire $7200 to lessen the appearance of. I bleed for 6 weeks striaght, had a flap of skin that would not heal as it was not attached with stitches or they were removed too soon, and could not get through to the office due to "phone complications" on their end. WHen I did get through I was told to smooth the flap of skin every day and it would heal. Wel it finanlly did into a big hideous lump behind my ear. The bleeding for 6 weeks was also dismissed whenever I would call the office as I was told it would stop soon and if it did not to call back and they would make an appointment for me to see the doctor.
Each time I called back I got the same response, never an appointment with the doctor. DO NOT waste your time, your money, and most importantly risk scarring for life with absolutely no results on the lifestyle lift. I have been to 4 other plastic surgeons at this point who have seen before and after pictures of me (besides all my friends and family who agree) and they all said I got no results and that my eyelid surgery, lifestyle lift and lipo showed no signs of anything being done other than I had visible scarring which would not have occurred (in their professional opinion) had I been stitched properly and allowed to heal before the stitches were removed. Nightmare experience, lies told by all employed by Lifestyle Lift about promised revisions just promised until they think you'll give up and go away. TERRIBLY UNPROFESSIONAL.


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Something for everyone:Â Deals to favorite European cities plus Sydney. Details below.
Deals from London – all fares are return (round-trip):
- London – to Barcelona from £70
- London – to Dublin from £78
- London – to Paris from £89
- London – to Rome from £81
- London – to Sydney, from £775 (October); from £895 (May)
Deals from Australia – all fares return (round-trip):
- Sydney – to London from AUD $2312 (October, November); from AUD $2484 (May, June)
Deals from the U.S. – all fares round-trip (return):
- Chicago – to London from $1003 (April, May); from $1196 (August, September)
- Los Angeles – to London from $1052 (April, May); from $1279 (August, September)
- New York – to London from $979 (April, May); from $1086 (August, September)
Note: As always, prices can change at any time so if you see something you like, hurry. See British Airways for all the restrictions, and see more details on London to Europe deals here; London to Sydney deals here; Sydney to London deals here; and U.S. to London deals here.
LISTEN: Travel expert Rick Seaney knows jet lag. He knows how to get rid of it, too.


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UK Supermarket Chain to Exclusively Sell Locally-Sourced Dairy
In a move that aligns well with the supermarket push to place more of their in-house brands on their shelves, while at the same time keeping pace with consumer demand for locally-sourced products, UK Grocery Store chain Waitrose has announced that it will only sell milk and other dairy products that come from British cows. The products will be sold exclusively under the Essential Waitrose label, a further commitment to their network of 60 British dairy farms, a partnership now in its tenth year that ensures fair prices and best practices.
The store's website explains their dairy standards, purportedly the highest in the industry:
Waitrose farmers are committed to the animal welfare principles known as the Five Freedoms. The 5 freedoms form the core of our animal welfare standards – freedom from hunger and thirst, discomfort and pain, injury and disease, freedom to express normal behaviour, and freedom from fear and distress.
The benefits go beyond the quality of the product and practices, as these methods help ensure lesser environmental impacts, while also keeping money in local economies.
[via Tree Hugger]


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Russian "scallop garden" will monitor pollution
By Jessica Bachman
KOZMINO, Russia (Reuters) - Some prefer them grilled or steamed, but Russian scientists will now use sea scallops to monitor pollution levels at a Pacific oil terminal.
An enormous sea scallop garden will be set up at the end of this month in Russia's Far East Kozmino Bay, eight time zones east of Moscow. It will be the first Russian port to use mollusks as a water-monitoring instrument.
"Scallops are a very good measure of water pollution because they are very sensitive to contaminants. They absorb and retain impurities" said Natalia Vykhodtseva, the organic chemist at the helm of Kozmino's ecological safety department.
She added that while sea scallops -- which prefer to live at depths of 20-22 meters (64-70 feet) -- are known for their ability to filter contaminants such as oil or heavy metals, the main purpose of the garden at present is to monitor the bay.
"If the monitoring is successful, we have an idea to create large permanent colonies for scallops, mussels and seaweed at the bottom of the bay and use them to filter the water and keep it clean," said Vykhodtseva.
The Kozmino port, launched at the beginning of this year by Russian oil pipeline monopoly Transneft, sits at the bottom of a forested hill range in a bay on the Sea of Japan.
The only export terminal for crude tapped from new East Siberian deposits, it will ship out 200 million barrels next year, meaning the number of tankers calling into port will double, raising greater concern over pollution.
"If oil happens to leak into the water, the scallops will imbibe it, filtering back out the clean water," Vykhodtseva said. Continued...


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Jackson Park Hospital Excels in Patient Safety - Awarded an "A" in Hospital Safety Score.
A brief video on the history of Jackson Park Hospital
Building for our mothers and babies...the newly created Labor, Delivery, Recovery Suites and Postpartum Unit.
The best aspect of our new medical office building is that it is "green". In other words, it was designed in an environmentally responsible and beautiful way. Jackson Park Hospital has been an anchor of our south side community for almost 100 years, and with our new building, continues its commitment to the community.
7531 Stony Island Avenue
Chicago, Illinois 60649
Telephone: (773) 947-7500
© 2017 Jackson Park Hospital Foundation. All Rights Reserved
Website Design and Website Development by Americaneagle.com


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Sandwich, MA, USA < change city >
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Sandwich Mass Wedding In June
Jennifer and Brian's Wedding
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"Our wedding was great! Getting married on Cape Cod, and in my home town was perfect! June of course is a great time o..."
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Ceremony at Christ the King Parish
Reception at Nauticus Marina Inc
"We have amazing memories of our wedding! there is nothing i would change! we choose to have accomplished profession..."
Sarah and Liz's Wedding
Reception at Beachmoor Inn & Restaurant
Greg and Hanin's Wedding "Down the Cape"
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Chrissy and Matt's Wedding
Ceremony at St. Peter's Episcopal Church
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Ceremony at CHURCH OF THE PILGRIMAGE
Reception at OLD RED FARM INN
Kathleen and Matthew's Wedding
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Reception at Popponesset Inn Restaurant
Erin and Brenton's Wedding
Ceremony at Saint Thomas Chapel
Reception at The Brookside Club


text: Best Hump Day Pictures Ever (This Week) By GuySpeed Editors March 18, 2015 3:45 PM | GuySpeed Share on Facebook Share on Twitter NEXT: CLICK HERE TO SEE A DEFINITIVE COLLECTION OF KATY PERRY GIFS Source: Best Hump Day Pictures Ever (This Week) Category: Babes Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of 103GBF House Explodes on Evansville's North Side Get a Free Flag at the Downtown Evansville Farmer's Market This Friday Teen's Obituary Calls Out Bullies For Causing Suicide 2017 Shrinersfest Survival Guide Recommended For You ZergNet Best of the Web ZergNet


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The ferocity of death in Syria increases with each passing day. At times one is left bewildered at the desire of President Bashar al-Assad to murder at will the citizens of his own nation. Syrian human rights activist, Hadi Abdallah reported about a massacre of women and children in the villages of Karm el-Zaytoun and Ali-Adwiyeh. The bodies of 26 women and 21 children lay on the ground. "Some of the children had been hit with blunt objects on their head, one little girl had been mutilated and some women were raped and then killed."
The silence of imams is deafening. They are so busy running around worrying about cartoons rather than gathering in a march into Syria to defend the dying people of that land. We are all Syrians until this bloodshed ends.


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By GEORGE ROBERTSON, M.D.
Dr. Robert Whitaker and Dr. Mark Pearson recently returned from a nine-day trip to Haiti. Healing Hands International helped with the travel expense for the two doctors who responded to the needs of this devastated country. They had to land in the Dominican Republic and drive across the island because the airport at Port-au-Prince was closed to all by military traffic shortly after the earthquake. Since they didn't travel with a group, they linked up with a church-supported orphanage where they received their meals and lodging.
Most of their time was spent helping at the University of Miami's hospital which was simply a large tent holding about 300 patients. Since the majority of the injuries involved orthopedic care, Bob and Mark were assigned to nursing duties like dressing changes. Three other general surgeons also volunteering through the University were involved with this work.
Bob did get to do some other work after they found out that he was trained in obstetrics. He supervised two Cuban trained doctors still completing their residences in obstetrics. There were eight deliveries the first night at the tent. Many of the women were supposed to be delivered elsewhere but their hospitals had been destroyed and for some of them their doctors had been injured.
Bob had to do a cesarean section on one patient who could not deliver otherwise. He said he was happy that his had and arm, which were injured four months ago in the kidnapping in Africa, now worked almost normally again. It was his first work in surgery since the compound fracture caused by the gunshot would to his humorus in September.
Bob said many of the first responders to the earthquake found people with extremity fractures and pelvic fractures. Because the injuries were of the compound type (the bones sticking out of the skin), the wounds quickly became septic necessitating amputations.
After a week assisting with the wounded, it looked to the two doctors that there were enough personnel to handle the patients and they were happy to get back to the United States.
Bob is to leave Monday for Jos, Nigeria where he will reunite with his family and hopes to get a teaching position at the medical school there.
Editor's Note: George Robertson is a physician with Family Medical Associates, PC, in Lebanon.


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DIRECTV's TV Service is Recommended by CableTV.com
We at CableTV.com have gathered data from a number of independent customer surveys, which we use to compare and rank the cable companies and other television services available in your area. This allows us to help you find the best provider for your needs. Our research clearly indicates that DIRECTV is the top TV service provider among all satellite TV and cable companies in Mendon, NY.
It's rarely quick and easy to find the best cable company in Mendon, NY. Finding a well-priced package is always a priority, but you also need to consider other important details, like the quantity and quality of the channels being offered. While major networks are included in virtually all TV packages, TV packages in Mendon may offer a different selection of local channels and smaller networks compared to packages in other areas. But with the right premium package, you'll get all the channels you need, allowing you to easily watch your favorite shows, the hottest movies, and full coverage of your and New York Giants games. We've compiled data about the highest rated providers available in Mendon—including info on the channels and premium features offered by each package—so you'll be able to find the service that best fits your needs.
CableTV.com analyzes a variety of features and benefits before making recommendations for satellite TV or cable services. For instance, we know that you want a cable company in Mendon, NY that is reliable and offers fast, friendly customer service. With help from our recommendations and other information, it's easier than ever find the TV provider that fits your needs and expectations.


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• Helps create beneficial water conditions for fish and plants
• Guaranteed to eliminate green water in ponds
• Features a unique spiral chamber that allows extended water exposure to uv rays
• Click-fit connectors make in-line pond installation a snap
Size: 14 WATT
Dimension: 0 x 27.5 x 6.75NOTE: This item can only ship to the continental US (including Alaska and Hawaii).NOTE: International/PO box deliveries are not available.
If you want to:
6,000 + (and growing) factories in our existing network are eager to make it for you.
When it comes to selling in stock products, we are no difference from many other Internet retailers, but we take pride in going extra miles to do something special for you: Have some products custom made for you.
We cannot do everything, but we usually can accommodate a certain changes in product options such as color, size, material, or minor design twist. We primarily work with vendors or factories, not individual artist or craftsman. For custom made products, we usually only cater to bulk size order that meets the minimum quantity requirement of a single factory run. Don't be shy. Ask. What we can accomplish may surprise you!
Read this first: Copyrights & Trademarks


text:
Personal Information
Personal Bio
Heyy I'm Sam and I'm 20.
I love animé, and I am really into video games :)
I'm qualified as a hair stylist, and I do a bit of acting as a hobby.
As a person I'd like to think I have quite a good sense of humour, and I'm really easy to get on with. I love meeting new people and I like talking to people that have similar interests :P
Cosplay Bio
I didn't really start getting into cosplay until about a year ago, when my friend introduced me to it.
Only done a couple of cosplays so far but I've got a big list of things that I would like to do.
Contact Information
I have MSN and Skype if you'd like to add me on either of those


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Local PT helps amputees in Haiti
He started working with amputees in washington dc, american soldiers returning home from Iraq and Afghanistan.
Now practicing in Ocala, a physical therapist took what he learned from our soldiers... to Haiti.
Working with soldiers returning home from war, physical therapist Joshua Davis says, prepared him for a different war zone.
This month, Davis joined the University of Miami's "Project Medishare," on a six-day medical mission trip to Haiti, where he saw up to 30 children a day.
Children like Whitney, a 15-year-old girl who lost her left foot, and half her right leg in the earthquake.
"We'd joke around as much as we could, despite the language barrier, and working with translators; by the end of the second day, she was up and in a wheelchair, going outside with me," said Davis.
Davis says for amputees like Whitney, the road to recovery will be long, but with hope, and courage; possible.
Related Stories
- How To Help: Local Haiti Relief Efforts
- Helping Those in Haiti
- Help for Haiti Part One
- Helping Haiti Part 2
- Area Churches Help Haiti, Themselves
- Gainesville Woman Asks For Help Distributing Haiti Relief Supplies
- Sole For Souls Helps Those In Haiti
- Local Haitian Americans want help for Haiti
- Double Arm Amputee Triathlete Raising Money for Baby
- Amputee Camp Comes to Live Oak


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This is an old trappers camp recipe that would utilize the cooked rice from the night before-and not waste anything. it was a one pot meal that started the day with eggs...and it will fill you up. Packed with calories for a long day of duck gunning!
#10 black iron pot
3~4 cups Pre-cooked rice
9 eggs
6 strips bacon
1/2 cup cubed ham or tasso
1/2 cup green onions
1/8 cup fine diced pickled jalapeno peppers
salt and black pepper to taste
in black iron pot, fry bacon till crisp over medium heat..set aside to cool. Do not burn fat!
crumble bacon and set aside:
In bacon grease, fry ham (I did not have green onions on hand, and substituted white onion which I sauteed with the ham.)
Add the jalapenos:
Crack in eggs...
Cover and let whites cook 2 minutes...
Dump in crumbled bacon:
dump in cooked rice:
Stir to bust up yolks, and flip to cook egg in. serve with Louisiana hot sauce:
would have been more colorful if I had used green onions, but it was still good! Give it a try. It's a great duck blind meal too, you don't have to cook biscuits or worry with squished bread..


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The Pocketeers assemble for a quick Sunday chat about fantasy football, the NFC North games (the sky is falling! or is it?), how we spent our Packers-free Sunday, we introduce a new segment for our beloved Seabright, and look ahead to week five against the Lions.
Listen using the player below or download the podcast from the Packers Talk Radio Network on Itunes.
Join two of the PocketDoppler Angels and Richard Chang as they take their show on the road and bring you a weekly dissection of the Green Bay Packers as only they know how. All three are longtime Packer fans who bring their infinite wisdom, passion and snark to the Packers Talk Radio Network. Check out their work at PocketDoppler.com and Dick's Favorite Blog. And follow them on Twitter at @WhatRUTinkin , @Ceallaigh_k and @RichardMChang.——————
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Hotels in Scituate, Massachusetts
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Scituate overviewScituate is a relaxing place distinct for its beaches and oceanfront. You'll find a wide variety of coffee and bar choices. Learn about local heritage at popular landmarks in the area like Mayflower II and Plymouth Rock. Boston Convention and Exhibition Center and John F. Kennedy Library and Museum are popular sights to see. A family-friendly area, Scituate also has something for everyone.
Where to stay in ScituateWhether traveling for business or pleasure, Scituate can comfortably accommodate all visitors. There are 286 hotels in the Scituate area and you can shop as many as 90 deals for rooms on Hotels.com, some with discounts of up to 40%.
- • 30 2-star hotels with an average price of $79 per night
- • 110 3-star hotels with an average price of $111 per night
- • 108 4-star hotels with an average price of $149 per night
- • 13 5-star hotels with an average price of $199 per night
Here's the top hotel based on 96200 user reviews of Scituate hotels: The Inn At Scituate Harbor
How to get to ScituateFly in to Boston, MA (BOS-Logan Intl.), 17.4 mi (28 km) from downtown Scituate. Provincetown, MA (PVC-Provincetown Municipal) is the next closest major airport, 29.1 mi (46.8 km) away.
What to see around ScituateFun outdoor activities are on hand along with these attractions:
- • Cranberry Watershed Preserve
- • Black Falcon Cruise Terminal
- • Rocky Marciano Stadium
- • Campanelli Stadium
- • Plymouth Harbor
- • Rockland Ice Rink
- • F1 Boston
- • Franklin Park Zoo
- • North River Wildlife Sanctuary
- • Two Mile Farm
- • Daniel Webster Wildlife Sanctuary
- • Duxbury Beach Park
- • Adams National Historic Park
- • Mayflower II
- • Plymouth Rock
- • Boston Convention and Exhibition Center
- • John F. Kennedy Library and Museum
- • National Monument to the Forefathers
When to visit ScituateIf you're starting to plan your trip, you might be wondering when's the best time to visit. Here are the seasonal norms to help you decide when to go:
Seasonal temperature averages
- • January-March: 53°F day, 17°F night
- • April-June: 81°F day, 31°F night
- • July-September: 83°F day, 47°F night
- • October-December: 69°F day, 19°F night
- • January-March: 14.2 inches
- • April-June: 12.6 inches
- • July-September: 11.8 inches
- • October-December: 13.7 inches


text: Posted June 14, 2013 Naturally Jackson wanted Brian Shaw to take over for him after he left the Lakers in 2011 but the team went with Mike Brown, and then, after a brief flirtation with Jackson, chose Mike D'Antoni. "I sat with [Lakers General Manager] Mitch Kupchak a week ago and even he couldn't find out for me," said Jackson of Shaw. "It had something to do with [Lakers owner/executive] Jimmy Buss, I think." Jackson is hopeful that his protégé ends up in the right situation as head coach. "I think that Brian might have an opportunity but I just want it to be the right one for him," said Jackson. "The last conversation I had, I told him to make sure he doesn't end up in a no-win situation like Charlotte." Los Angeles Times For all that Jordan did for Jackson, he sure is a dick to MJ. For all we know Phil could just be a coach that has reaped the benefits of having two of the greatest players (MJ and Kobe) to ever play the game on the teams he has coached. Share this post Link to post Share on other sites


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Processors making PLA film and sheet, especially oriented PLA, have kept mum about how they reprocess their scrap. At the NPE show last month, Erema from Austria (U.S. office in Ipswich, Mass.) demonstrated PLA reclaim publicly for the first time, using a non-vented Model 906T reclaim extruder for PE film. With a normal non-barrier screw for PE, it processed oriented PLA scrap provided by Biax International Inc., Tiverton, Ont., a large producer of OPLA sheet. (Though not typical in production, the PLA was pre-ground for the show to reduce space and noise.) Frictional heat generated in Erema's shredder/compactor acts like a dryer, removing and venting moisture back out through the hopper before the material enters the extruder. PLA reclaim processes at lower temperatures than polyolefin film. As with PE, the PLA is cut by a die-face pelletizer. Erema says about 20 million lb/yr of bioplastic scrap (mostly PLA) is reprocessed on Erema reclaim extruders in the U.S., and about the same amount in Europe (PLA and starch based films for compost bags). (978) 356-3771 • www.erema.net
EREMA North America
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Phone (978) 356-3771 Fax (978) 356-9003
Editor PickEXTRUSION: Planetary Cutter Offers More Precision for Medical Tubing
Secondary off-line finishing is said to be all but eliminated.


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The Theory of the Theatre and Other Principles of Dramatic Criticism
Themes in the Theatre
Hamilton, Clayton
As the final curtain falls upon the majority of the plays that somehow get themselves presented in the theatres of New York, the critical observer feels tempted to ask the playwright that simple question of young Peterkin in Robert Southey's ballad,
After Blenheim
,—"Now tell us what 't was all about"; and he suffers an uncomfortable feeling that the playwright will be obliged to answer in the words of old Kaspar, "Why, that I cannot tell." The critic has viewed a semblance of a dramatic struggle between puppets on the stage; but what they fought each other for he cannot well make out. And it is evident, in the majority of cases, that the playwright could not tell him if he would, for the reason that the playwright does not know. Not even the author can know what a play is all about when the play isn't about anything. And this, it must be admitted, is precisely what is wrong with the majority of the plays that are shown in our theatres, especially with plays written by American authors. They are not about anything; or, to say the matter more technically, they haven't any theme.
By a theme is meant some eternal principle, or truth, of human life—such a truth as might be stated by a man of philosophic mind in an abstract and general proposition—which the dramatist contrives to convey to his auditors concretely by embodying it in the particular details of his play. These details must be so selected as to represent at every point some phase of the central and informing truth, and no incidents or characters must be shown which are not directly or indirectly representative of the one thing which, in that particular piece, the author has to say. The great plays of the world have all grown endogenously from a single, central idea; or, to vary the figure, they have been spun like spider-webs, filament after filament, out of a central living source. But most of our native playwrights seem seldom to experience this necessary process of the imagination which creates. Instead of working from the inside out, they work from the outside in. They gather up a haphazard handful of theatric situations and try to string them together into a story; they congregate an ill-assorted company of characters and try to achieve a play by letting them talk to each other. Many of our playwrights are endowed with a sense of situation; several of them have a gift for characterisation, or at least for caricature; and most of them can write easy and natural dialogue, especially in slang. But very few of them start out with something to say, as Mr. Moody started out in
The Great Divide
and Mr. Thomas in
The Witching Hour
When a play is really about something, it is always possible for the critic to state the theme of it in a single sentence. Thus, the theme of
The Witching Hour
is that every thought is in itself an act, and that therefore thinking has the virtue, and to some extent the power, of action. Every character in the piece was invented to embody some phase of this central proposition, and every incident was devised to represent this abstract truth concretely. Similarly, it would be easy to state in a single sentence the theme of
Le Tartufe
, or of
, or of
. But who, after seeing four out of five of the American plays that are produced upon Broadway, could possibly tell in a single sentence what they were about? What, for instance—to mention only plays which did not fail—was
Via Wireless
about, or
The Fighting Hope
, or even
The Man from Home
? Each of these was in some ways an interesting entertainment; but each was valueless as drama, because none of them conveyed to its auditors a theme which they might remember and weave into the texture of their lives.
For the only sort of play that permits itself to be remembered is a play that presents a distinct theme to the mind of the observer. It is ten years since I have seen
Le Tartufe
and six years since last I read it; and yet, since the theme is unforgetable, I could at any moment easily reconstruct the piece by retrospective imagination and summarise the action clearly in a paragraph. But on the other hand, I should at any time find it impossible to recall with sufficient clearness to summarise them, any of a dozen American plays of the usual type which I had seen within the preceding six months. Details of incident or of character or of dialogue slip the mind and melt away like smoke into the air. To have seen a play without a theme is the same, a month or two later, as not to have seen a play at all. But a piece like
The Second Mrs. Tanqueray
, once seen, can never be forgotten; because the mind clings to the central proposition which the play was built in order to reveal, and from this ineradicable recollection may at any moment proceed by psychologic association to recall the salient concrete features of the action. To develop a play from a central theme is therefore the sole means by which a dramatist may insure his work against the iniquity of oblivion. In order that people may afterward remember what he has said, it is necessary for him to show them clearly and emphatically at the outset why he has undertaken to talk and precisely what he means to talk about.
Most of our American playwrights, like Juliet in the balcony scene, speak, yet they say nothing. They represent facts, but fail to reveal truths. What they lack is purpose. They collect, instead of meditating; they invent, instead of wondering; they are clever, instead of being real. They are avid of details: they regard the part as greater than the whole. They deal with outsides and surfaces, not with centralities and profundities. They value acts more than they value the meanings of acts; they forget that it is in the motive rather than in the deed that Life is to be looked for. For Life is a matter of thinking and of feeling; all act is merely Living, and is significant only in so far as it reveals the Life that prompted it. Give us less of Living, more of Life, must ever be the cry of earnest criticism. Enough of these mutitudinous, multifarious facts: tell us single, simple truths. Give us more themes, and fewer fabrics of shreds and patches.
Terms Defined
Referenced Works


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Good Gear & Gadgets: EatSmart Precision GetFit Digital Body Fat Scale
It is the beginning of a New Year and with this comes many New Year's resolutions to get in shape and shed unwanted Holiday pounds. One of the best ways to track your fitness progress is with an electronic scale. There are many options on the market and the EatRight Precision GetFit Digital Body Fat Scale is a great one because in addition to tracking weight loss in pounds it also measures body fat, body water, body muscle, and body mass. All these features make it a great tool to track all aspects of your fitness goals. EatSmart uses Bio-Electrical Impedance Technology to allow users to enter their gender, height, weight, and age and activity level. The scale then sends a low level electrical signal through the body and measures the resistance it encounters and tracks your percentage of body fat, muscle and water. This scale has the ability to remember eight different user profiles without the need to re-enter your information each time. It also uses "Step On" technology, so there is no need to tap the scale first. It is available at EatSmartproducts.com.


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Chevron, Transocean charged in Brazilian oil spill
By Jeb Blount and Joshua Schneyer
RIO DE JANEIRO/NEW YORK (Reuters) - A Brazilian federal prosecutor filed criminal charges on Wednesday against Chevron and drill-rig operator Transocean for a November oil spill, raising the stakes in a legal saga that has added to Chevron's woes in Latin America and could slow Brazil's offshore oil boom.
Prosecutor Eduardo Santos de Oliveira also filed criminal charges against 17 local executives and employees at Chevron and Transocean, owner of the world's largest oil rig fleet. Among the defendants is George Buck, 46, a U.S. national in charge of Chevron's operations in Brazil, the prosecutor's office said in a statement.
"The spilling of oil affected the entire maritime ecosystem, possibly pushing some species to extinction, and caused impacts on economic activity in the region," Santos de Oliveira, a prosecutor in the oil district of Campos de Goytacazes, said in the filing. "The employees of Chevron and Transocean caused a contamination time bomb of prolonged effect."
The charges stem from a 3,000-barrel leak in the Frade field, about 120 km (75 miles) off the coast of Rio de Janeiro state. They include: failure to realize protocols to contain the leak; failure to take steps to kill the well and stop the drilling process; breach of licenses, legal norms and regulation, including altering documents; and failure to meet legal and contractual duties.
Chevron and Transocean strongly disputed the charges.
"These charges are outrageous and without merit," Chevron said in a statement. "Once all the facts are fully examined, they will demonstrate that Chevron and its employees responded appropriately and responsibly to the incident."
Transocean "strongly disagrees with the indictments," said spokesman Guy Cantwell.
Chevron said it stopped the leak in four days. None of the oil that leaked into the Atlantic reached shore or interfered with marine life, it said. Continued...


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Spira Athletic Shoes (For Real!)
"Hey, why don't you come see your old pal Rodge anymore? You used to be up here all the time, digging through the trunk of my car for half-off deals on lifelike reproduction kicks. Now it's like you found some other low-price source for real brand-name- hey, where'd you get those Spiras you're wearing?"
Spira official site
Ends on March 5 at 12PM CT


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TEMPE, Ariz., Dec. 10, 2012 - First Solar, Inc. (Nasdaq: FSLR) announced today that it has been designated a 2013 Military Friendly Employer by Victory Media, publisher of G.I. Jobs magazine. Criteria for the designation included a benchmark score across key programs and policies such as the strength of company military recruiting efforts, the percentage of new hires with prior military service, retention programs and company policies on National Guard and Reserve service.
"Companies earning the prestigious Military Friendly Employers designation are rising stars with strong military recruitment programs and meaningful job opportunities for transitioning service members and spouses seeking civilian employment," said Sean Collins, vice president for Victory Media and director for G.I. Jobs.
Approximately 8 percent of First Solar's 1,700 U.S. associates are veterans or have military affiliations. In addition, the contracted workforce that constructs the nearly 3 gigawatts of utility-scale solar power projects that First Solar is developing in North America is estimated at over 4,000, with a focus on veteran and military recruitment.
"Our experience with veterans and military personnel has been outstanding," said Trevor Gelder, First Solar Talent Acquisition Manager. "Whether at our production facility, offices or projects, we find that people with military backgrounds are exemplary team players who know how to focus on the mission and get results. We're honored with the recognition we've received from G. I. Jobs."
First Solar works with a number of organizations in its military recruiting efforts, including Orion International, the Lucas Group's military division, the Marine for Life program and numerous veteran career sites. First Solar career opportunities can be found at www.firstsolar.jobs.
About First Solar, Inc.
First Solar is a leading global provider of comprehensive photovoltaic (PV) solar systems which use its advanced thin-film modules. The company's integrated power plant solutions deliver an economically attractive alternative to fossil-fuel electricity generation today. From raw material sourcing through end-of-life module collection and recycling, First Solar's renewable energy systems protect and enhance the environment. For more information about First Solar, please visit www.firstsolar.com.
For First Solar Investors
This release contains forward-looking statements which are made pursuant to the safe harbor provisions of Section 21E of the Securities Exchange Act of 1934. The forward-looking statements in this release do not constitute guarantees of future performance. Those statements involve a number of factors that could cause actual results to differ materially, including risks associated with the company's business involving the company's products, their development and distribution, economic and competitive factors and the company's key strategic relationships and other risks detailed in the company's filings with the Securities and Exchange Commission. First Solar assumes no obligation to update any forward-looking information contained in this press release or with respect to the announcements described herein.
First Solar media
Alan Bernheimer
+1 415 935-2499
First Solar Investors
David Brady
+1 602 414-9315
Ryan Ferguson
+1 602 414-9315


text:
These photos of broken porcelain in a palace in Vienna have been on my inspiration board for the past couple of months. They're from a past issue of World of Interiors and I found it fitting as a post since there is so much Wedgwood and Chinese porcelain popping up in magazines and on websites these days. Unfortunately I couldn't seem to find the byline from this story, but it goes like this: "Schloss Loosdorf, tucked away in the hilly wine country north of Vienna, had been renowned for its porcelain collection, which was predominantly 18th-century Japanese Imari and Chinese porcelain, late 18th-century and early 19th-century Vienna, Meissen, Berlin and Davenport, along with some Wedgwood and majolica. The collection was all sealed up in a cellar room when the owners, the counts of Piatti, were forced to flee in the late spring of 1945 (the final days of WWII). During their absence, Soviet soldiers took up quarters there and tossed out its rare books, hacked at furniture, and located the hidden porcelain collection and destroyed it in a rage. When Count Ferdinand Piatti again took possession of his ruined palace in June 1945, he had the porcelain and other remains of objects arranged in piles by manufacturer in an attempt to salvage at least something. More than 60 years on, the damage, in all its wantonness, is still debilitating to view, though the monumental nature of the installation Piatti created both assesses and addresses the damage in a solemn, thoughtful way."
12 Thursday Dec 2013
Posted Interiorsin


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