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CONCORD, NH - Karen Testerman, Republican candidate for the United States Senate, applauded Kelly Ayotte for planning six town-hall-style meetings across the state this week.
"Once elected, our senators have the responsibility to return to New Hampshire and answer residents' questions about their votes in Washington and their opinions on upcoming issues," Testerman said.
"Kelly Ayotte has a history of doing just that. This week, she had planned to hold six open town hall meetings, where constituents can ask her questions that have not been pre-screened. That's a breath of fresh air.
"Jeanne Shaheen has failed in this regard. She has not made herself available for questioning. Jeanne Shaheen could learn a lot from Kelly Ayotte."


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LAW Writer® Ohio Laws and Rules
For taxable years beginning in 2015 or thereafter, a nonrefundable credit equal to eighty-eight dollars shall be allowed per return against the aggregate amount of tax due under section 5747.02 of the Revised Code on an individual's return that indicates Ohio adjusted gross income less exemptions of ten thousand dollars or less. The credit shall be claimed in the order required under section 5747.98 of the Revised Code.
Amended by 131st General Assembly File No. TBD, SB 208, §1, eff. 2/15/2015.
Amended by 128th General AssemblyFile No.11, HB 318, §1, eff. 12/22/2009.
Effective Date: 06-30-2005; 03-30-2006

subset: commoncrawl


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is located at Naden on Canadian Forces Base Esquimalt, in the city of Victoria, which is situated on the southern tip of Vancouver Island, province of British Columbia, Canada.
Women in the Millitary in World War
This site give a brief but good over all picture of women in the airforce in different countries.
This is an email that may be of interest to some members of the Royal Canadian Legion :
Dear Jackie,
Author Linda Granfield spoke at the Corner Brook Royal Canadian Legion on Oct. 22 , 2010, my husband and I attended.
We both enjoyed her presentation. I thought because her books deal with WWI and are aimed at readers from 10 to 100
that these books would be good material for students who are doing research for school projects.
Remembering John McCrae: Soldier-Doctor-Poet.
I am putting this site near the top of the list because I think this is a very inportant site for
anyone interested in Newfoundland's part in WWI.
This is a new site just launched in April 2010 and well worth a look.
The Newfoundland Regiment and the Great War (WWI)
This is a new site just launched in April 2010 and well worth a look.
This site provides good and interesting documentation.
Project Summary
This site was developed by The Rooms Corporation of Newfoundland and Labrador in partnership with the Government of Newfoundland and Labrador (Department of Education), as part of the Cultural Connections Strategy. The site was specifically designed for use by students and teachers in Grade 8 Newfoundland and Labrador History and Newfoundland and Labrador Studies 2205.
Is an English author who has written stories about war time England. I include her because she gives a very good account of war time Liverpool. This provide us with a better understanding of what some of what women might have gone through on the other side of the ocean.
Newfoundland Grand Banks Genealogy web site
This is an excellent site.
This site proves what can happen when people of like minds come together.
Through hard work and time many people have brought this site to life.
The Virtual War Memorial Project
The Project Wonderstrand.com has created a Virtual War Memorial for all those Labradorians who served in World War I, World War II and the Korean War. This was originally established to help publicize the planning for the Labrador War Memorial in Cartwright. Now that this first objective has been accomplished we will maintain this web site as a virtual war memorial for those who cannot visit the monument in person.


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Browse By Person: Nielsen, Samuel
|Up a level
Group by: Item Type | Date
Jump to: Journal Article | Conference Paper
Number of items: 2.
Journal Article
Lidstone, John & Nielsen, Samuel (1998) Public education and disaster management: Is there any guiding theory? Australian Journal of Emergency Management, pp. 14-19.
Conference Paper
Towers, Stephen J., Alderman, Lyn, Nielsen, Samuel, & McLean, S. Vianne (2010) A risk-based approach to course quality assurance. In Proceedings of AuQF2010 : Quality in Uncertain Times, Australian Universities Quality Agency, Gold Coast, Australia, pp. 116-128.


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|You are in: UK: Scotland
Monday, 30 April, 2001, 16:57 GMT 17:57 UK
Upgrade for 'road to the isles'
The Scottish Executive is spending more than Ł10m to make the famous long and winding 'road to the isles' two miles shorter.
Transport Minister Sarah Boyack announced on Monday that a contract had been awarded to Barr Construction to upgrade a notorious stretch of single-track route of the A830 between Mallaig and Fort William.
The work, which will be completed by 2003, will replace the existing six mile stretch between Arisaig and Kinsadel with a new four-mile-long road.
The minister said that the route would offer some "spectacular views" and greatly improve safety for drivers and local communities.
"I expect the new road to open to traffic in early 2003. Because the road largely follows a new route, the impact of construction work on those using this difficult section of the A830 will be minimised.
"The construction of the new road is well supported by the Highland Council and the local community.
"After it has been completed, only some 7km of single track trunk road will remain.
Substandard road
"This is on the adjacent length between Arisaig and Loch nan Uamh and I have asked my engineers to look at the preparation of schemes for the improvement of this final section of substandard road."
The upgrade of the A830 section has been welcomed by Patsy Kenton, the Liberal Democrat parliamentary spokeswoman for Inverness East, Nairn and Lochaber.
Ms Kenton said: "I am sure that drivers who use this road will be pleased.
"Road safety must be enhanced, particularly in the winter months when the weather can be treacherous."
The Ł10.8m upgrade is one of five major schemes announced by Ms Boyack in the 1999 strategic road review.
See also:
15 Feb 01 | Scotland
Boyack rides out confidence vote
23 Jan 01 | Scotland
Private firms win roads contracts
27 Dec 00 | Scotland
Cash for 'road to rail' switch
20 Dec 00 | Scotland
Green light for road charge bill
07 Oct 00 | Scotland
Councils make roads cash call
Internet links:
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Top Scotland stories now:
Links to more Scotland stories are at the foot of the page.
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I leave Southern Utah (For two weeks, then I come back for two weeks, then I'm done. But I'm moving out of my apartment in a couple of days. I know, confusing.) in just a few days. So Sarah, Kelsey and I had to get together one more time!
Sarah and I had been wanting to make galaxy shirts for a while, so we decided that's what we would do! I needed a good craft night. She had also been dying to try the saltine treats recipe I posted a while ago. So, I made those while she tested out the paints, then we all ate and created.
Pretty sure they all turned out amazing. I can't wait to wash and wear mine!
Sarah was the brains behind this operation. First, we twisted the shirt in one area so it looked like a small spiral. Next, we lightly sprayed bleach on to the shirt. Then, we used different colored fabric paints (neon green, light blue, light and dark purple, and white) to create our galaxy's. :) We used a small paint brush and flicked the white on, a sponge, and saran wrap to apply the other colors in whatever pattern we wanted.
I wish I had gotten a better picture. You can hardly see Sarah's. But trust me, it's amazing.
The first time I attempted the galaxy shirt, it was a total fail. So I am so happy it worked out this time!!
I don't know what I am going to do with out these girls around. Luckily, we're all from the same town in Northern Utah, so I'm sure I'll still get to see them.
Photo Booth
My church had a big "Meet & Greet" for the young single adults. Since a new semester started, there are a ton of new people. They needed something "fun" that would make them all want to stick around, and it fell upon my shoulders, the night before... haha!
So I quickly came up with the trusty ol' idea to have a photo booth, my roommate made the banner, and I made some of the props (all the rest were from the dollar store) and took care of the technical stuff.
It turned out to be way fun and people kept coming back for more. Here are a few of my favorites...
(the quality is so much better than what you see. But Photobucket wasn't working, so I had to use blogger)
of course, I had to get one too.
aaaaaaaaaaaaaand it's blurry
and I had to snag one of our fabulous leaders.
I'm going to miss these people when I move!
Strongest Suit- Lulus.com
Lately I've been thinking about how a dress is probably what I feel best in. I feel lady like, confident, and beautiful. Ever heard the song "Strongest Suit" from Aida?? It's all about being a woman, and how a dress is our strongest suit. (ok... maybe it's not the best example... but it's stuck in my head...)
Well, I totally agree! What's better than wearing a dress that just makes you feel like a total lady? Nothing, I say!
(listen while you read)
This particular dress is the Freshly Picked Blue Floral Print Shift Dress from Lulu's. And well, I love it!
Dainty pattern, awesome sleeves, vintage look? Perfection.
And it's incredibly modest without adding lots of layers and covers.
This is the picture where my heels sunk right into the grass. Gotta love being a lady, no matter the terrain!
And while yes, I added tights, it wasn't for modesty purposes.
Is a dress your strongest suit? Do you have a favorite dress that gives you that womanly confidence?
P.S. I have a bunch of sponsor spots opening up soon! Grab your spot for September, today! Before they're gone!
Labels: Fashion, Product Review, Sponsoring
Blogger of the Week: The Students Wife
This week's BOW is Miss Kate from her blog The Students Wife. I've known Kate for quite a while now, we went to high school together! She's incredibly nice, too too pretty, has the cutest little family, and awesome style. I just know you'll love her and her blog!
Hi! I am Kate and I blog over at The Students Wife! My life right now is focused a lot around the fact that my husband, Andy is in school full time and has been since I met him 5 years ago! Since we are in school.. Did you see I said "we" are in school, I'm not taking classes but since he is in school.. I kinda am too.. Sooo.. since "we" are in school I have made it my mission to live life and to find cute clothes without breaking the bank.
Andy is currently going to Utah Valley University in hopes of graduating and then attending Medical School. One day my sister asked me what will happen to my blog name when He someday graduates.. I replied.. It will be FINALLY not a Students Wife! We have a few more semesters left of UVU and we will be applying to Med School!
I love clothes, traveling, photography, DIY projects and hanging out with a darling little blonde two year old. When I have spare time I spend it taking pictures of pretty much anyone that will model for me! My love for photography started when I was young and has now turned in a small little business! I also am I licensed cosmetologist but I am currently work for Jetblue Airways so that I can travel as much as I can!
These are just a few of our fun adventures we were on this year!
Come check out my blog to see more of them and follow along to keep up with our current adventures through this crazy thing called life!
Now hop on over to her blog! You know you want to!
Labels: Blogger of the Week
A Fair Day
The fair came to town! This is the single most exciting thing that happens in Southern Utah each year. So of course, I had to go!
I called up Kelsey and Sarah and away we went. I wasn't about to pay $6 to ride ONE ride, so we walked around, i took pictures, we played a couple of games, and of course...
stuffed our faces with fair food!
Corn dogs, nachos, candied apples, and funnel cakes. Only the most artery clogging, stomach aching, and heart stopping fair foods.
All I wanted, I've been craving it all Summer, was a funnel cake. And it did not disappoint!
I love this picture. :)
We got a tip from some other fair go-ers that the #2 monkey was the winning one (they're always rigged). So Sarah took #2 and I... paid $3 to lose. haha!
She won, it was no competition.
And chose the most random and only "Sea World" Otter... How he ended up here, we'll never know. But that is what she chose. Now "Ollie" has a place to call home.
It was such a fun night! I kept my purse close, and my camera closer, but had a blast!
(don't you love the photo bombers?)
Esthetician or Aesthetician? Pt. 15
More sunscreen?!
Yes, more sunscreen.
It's the end of Summer, we still have some days left in the sun, and I want to make sure you are educated! haha!
Did you know that about 80% of the sun's damage to the skin occurs before the age of 18?
I know, some kids throw a fit when you try to put on sunscreen. A solution for you might be to use sunscreen wipes. They work just as well and there's no spraying in their eyes or rubbing on heavy creams.
If you are ok with a spray on sunscreen, I've been using the coppertone brand and it doesn't even come off when I shower AFTER swimming. That's when you know you've got a good sunscreen. haha! But truly, I haven't burned even a little this Summer, and I live in the dessert.
Remember that you can reverse the damage caused by the sun by daily sunscreen use. It takes a while, but it is possible.
Random Fact:
Did you know Coconut Oil is very comedogenic? That means it clogs pores... So if you use it and have acne, that could be why. It's great to ingest internally, and maybe to put topically on the hands and feet, but I'd suggest you steer away from using it on your face. That doesn't mean it'll be that way for everyone, but just know, in most cases, it clogs pores.
Labels: Esthetics
Class Photo
The class I have been in school with is all starting to graduate and go our separate ways. So before that could happen, I had to get a class photo...
(this isn't all that is in our school, it's just the girls that I started with and will end with)
I can't help but love all of these ladies so much!
This may just be my favorite thing EVER.
As excited as I am to graduate, I know I'll miss them all way too much.
Labels: School
Blogger of the Week: Tippee Canoe
Hey guys!
This week's BOW is Lauren from her blog Tippee Canoe. She is a girl after my own heart. We both latched on to blogging because it was something we needed, we both long for daily adventure, and we both believe in living your dream. She really is fantastic, as is her blog! I know you'll love her.
Hey there lovelies!
I am SO excited and honoured to be writing here today & to be awarded the most lovely Gentri's blog of the week!
Not a word of a lie, I read Gentri's email to me about this...oh like 8 times, just to make sure it was real! I am and have been a huge fan of Gentri's blog for a while now and just think the world of her!
Anywho! I'm Lauren or Lo if you'd prefer!
I blog over at a little ditty I like to call Tippee Canoe! Where you will read about my life, what I love, photography, and usually a lot of random ramblings!
Here is a little about me to get to know me a tid bit better!
A couple of years ago I decided I was in a rut...actually my life just kind of tossed me into a rut..but thats a story for another time!
So I decided to pick up my life and make a change! With that change came blogging! Oh how grateful I am for the decision! I have moved numerous amounts of times in the last 2 years and I'm trying my hand at settling down in one place again! We will see how long that lasts before my wandering soul can't take it anymore! I was born for leaving friends...born to be a nomad..I was born for adventure! :-)
My most loyal companion is a little pooch who we call Bella.
I believe in fashion, living a healthy lifestyle, persevering through the hard times, making art, exploring this world, having countless adventures, & living your dreams no matter how far fetched or seemingly impossible they may be.
I have an obsession with windmills, wild flowers, palm trees, surfing, hiking, sunrises, naps in hammocks, fish tacos & yam fries.
All in all, I'm just a girl with big dreams, lots of love, an endless desire for adventure, and a huge belief in smiling through the hard times & making your life your own!
Thanks all you lovely readers for taking the time to get to know me better! Come visit me and join in on my life long adventure!
Labels: Blogger of the Week


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Man denies claim he stole $4m from heiress and that pair were engaged
A NEW York-based Irishman has denied claims that he defrauded a 60-year-old American woman of millions, the High Court has heard.
Elisa Rodino alleges that Thomas J Queally, who was engaged to her, stole about $4m (€3m) of her money – a large portion of which was lodged by him into a bank in Ennis, Co Clare.
She also claims that Mr Queally – whom she has not seen for months – lived a double life and had another fiancee.
At the High Court, Mr Queally's lawyers said claims that he transferred money from a joint bank in the US to his account in Ireland without Ms Rodino's authorisation were untrue.
The court also heard that Mr Queally rejects Ms Rodino's claims that she was his fiancee and that he was engaged to another woman in New York.
Last month, Ms Rodino's lawyers secured a number of temporary freezing orders against Mr Queally, of Sherman Avenue, Yonkers, New York. He is originally from Lahaknock, Kilmaley, Co Clare.
These orders prevent him from reducing, dissipating or transferring to below a value of €1.6m funds that are held in a bank account at Permanent TSB in Ennis, Co Clare.
Ms Rodino, of Cathedral Avenue, Hempstead, New York, claims that the money in the Ennis bank account – approximately $2m (€1.5m) – is hers.
She further claims that it was moved by Mr Queally from a joint account held in the US in both their names.
Patricia Hill, acting for Mr Queally, said her client rejected all the allegations. She said it was Mr Queally's case that on October 18 last, Ms Rodino signed a document at a New York bank, stating that any transfer of funds from a joint account to Mr Queally's account was done with her full permission.
This document was executed in the presence of a notary, said counsel, adding that Ms Rodino had failed to mention this.
On that basis, it was intended to ask the court to vacate the freezing order on the ground that there had not been a full and frank disclosure of all material facts to the court.
Ms Hill also told the court Mr Queally rejected claims that his two teenage children from his previous marriage had been put through private Catholic schools with money allegedly taken from Ms Rodino.
In reply, Ross Gorman, acting for Ms Rodino, said that any application to set aside the freezing orders would be opposed. He wanted the injunction to remain in place, pending the full hearing of the dispute.
Mr Gorman asked that the matter be adjourned. Mr Queally's replying affidavit was received on Wednesday and he said the Irish-based legal team needed time to consult with their client and her US-based lawyers.
Ms Justice Iseult O'Malley agreed to adjourn the matter to early next week.
Last month, the High Court heard that Ms Rodino was a vulnerable woman who had been taken advantage of by Mr Queally, whom she met in 2007.
She claims that last August, in order to aid Mr Queally in a court case against a former employer, she agreed to put his name down on one of her bank accounts – a deposit account that contained $5m (€3.8m).
She claims Mr Queally asked her to do this because it would show that he and Ms Rodino, who had inherited a sizable property portfolio from her late father, were a couple and that the work he did on her properties was not a contract of employment, the court heard.
She claims that last October Mr Queally was due to meet up with her in Spain, but never showed up. She then discovered that money had been transferred to the bank in Ennis and to a US bank account. She has also brought a legal action against him in New York.
Irish Independent


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Economic development of China after its formation (1949) and before the death of Mao Zedong (1976) noted a number of erroneous decisions, and even crises. Under the guidance of Deng Xiaoping (until 1997) ideologically dominated socialist planned economy step by step, under the leadership of the Communist Party was transformed into a "socialist market economy". On this basis the last 24 years China's GDP has grown by 10 times. He is currently about $ 1,013 per year (2 nd place in the world - after the USA). German businessmen expressed regret that their country is irretrievably lost to China its global leadership in the export of goods. In the production of light sources have already gone are the days when China does not have his own innovative capacity, was a "plant" with cheap labor for foreign corporations (Philips, Osram, General Electric).
At the XII International Symposium on Development of light sources (Eindhoven, July 2010) China was represented by 25 specialists (5 place in the number of participants), and compared with previous international forums, the subject of reports became more urgent, and their quality improved significantly. Only 4 Chinese party held the symposium are working in the branches mentioned Electro concerns, the other 20 - are employees of Chinese enterprises and academic institutions, among which 3 large photometric center and the "Institute for Electric Light Sources" at the Shanghai Fudan University. Megaman, founded in the 90-ies. in Germany as a direct marketing company, together with his business in Hong Kong ["Neonlite Electronic & Lighting (HK) Ltd.] for several years already is the world leader in product range and volumes of integrated compact fluorescent lamps. Guide Megaman promptly responded to the urgent challenge of the market: has mastered the wide range of types of LED "reflex" lamps of from 4 to 20 Watt. Quite far-sighted was the formation in October 2004, "CSA - China Solid State Lighting Alliance" ("Chinese alliance semiconductor lighting), which teamed up electronic and lighting industry, research institutions and government agencies. The Secretary-General CSA - Wu Ling at the Symposium in Eindhoven, told a rather optimistic plans for the development of LED lighting in China: by 2015 the proportion of LED lamps and bulbs in general lighting sector will increase to 20%.
Since China has already started serial production of white LEDs with a luminous efficacy 100 lm / W, we can expect that in the next 5 years will be achieved value of 150 lm / watt. In order to reduce electricity consumption and maintenance costs started upgrading of street lighting systems in Beijing, Shanghai and other major cities: sodium lamps are replaced with LED modules, special lamps with optimized light distribution.


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Results 1 - 6 of 6 matches
Theory workbook - companion to All for Strings orchestra method. Book 1.
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First firms get behind radical plan to revamp Sauchiehall St
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Posted: Thu Nov 21, 2013 11:17 am
Post subject: First firms get behind radical plan to revamp Sauchiehall St
First firms get behind radical plan to revamp Sauchiehall Street (© Evening Times)
Bosses at three pubs have thrown their weight behind a move to pedestrianise
Sauchiehall Street or close it to traffic at weekends.
The non-pedestrianised section would be transformed by the move. Earlier
this month, the Evening Times revealed entertainment premises are to be balloted
about improvement plans and a group of businesses in the street have been
working with the Chamber of Commerce on the proposal.
It is aimed at supporting and championing the large number of entertainment
outlets operating in the area including bars and restaurants, nightclubs, casinos,
takeaway restaurants, cafes, licensed exhibitions and venues. Next month they
will be balloted on whether or not to back the Business Improvement District (BID)
scheme which would result in them paying the equivalent of 1% of their rateable
value into a special fund.
But David Gormley, co-owner of the Variety Bar, Gavin McGreish, operations director
of Campus and Nicola Walker, manager of Driftwood have already said they are in
favour of the scheme. THE BID steering group chairman Brian Fulton, a director of
CPL entertainment which owns The Garage on Sauchiehall Street, also backs the
move. Mr Gormley said: "For the past few years Sauchiehall Street has needed a
boost and a facelift. What is needed is for the bars and venues to work together to
create an entertainment area."
One suggestion from a number of pub bosses is pedestrianising the road allowing
outside seating. In the short-term they suggest closing Sauchiehall Street at weekends
to create a European-type vibe with outdoor seating. Mr Gormley said: "There was
a fire at a takeaway in the street last year which resulted in it being blocked off which
did not disrupt city that much. Sauchiehall Street is one of the most famous streets
in Glasgow but in recent years we have seen people moving out of the area."
Venue bosses believe one way of revitalising the street would be for it to get the
same level of investment as Buchanan Street and the Merchant City. Mr Gormley said:
"Tourists and people living in Glasgow should be made aware of the cultural scene in
and around Sauchiehall Street. The drinking culture, managed properly, is not a bad
thing for a city. Sauchiehall Street needs more little pubs and entertainment places,
otherwise we will only be left with the big chains."
Ms Walker, who has worked at the Driftwood for 11 years, insists creating a BID would
benefit all the businesses in the area. She said: "Our owner would like to see the area
pedestrianised which is something we could move towards in the future. The BID
would give the venues an opportunity to work together to make sure the problems in
the area are sorted out. Working together would also allow us to promote the area
together and get more footfall in. We are a small independent business but working
with other organisations in the area would give us all a lot more influence. It can do
nothing but good. I have read up on the bid scheme and it has worked incredibly well.
A lot of the council's work has been driven towards Buchanan Street, the Merchant City
and the West End and we believe it is now time to focus on Sauchiehall Street."
Gavin McGreish, of Campus, also feels the area is losing out to other parts of the
city centre. He said: "Sauchiehall Street does not get the attention it deserves. The
public realm is tired and dirty and could do with being improved."
Chamber of Commerce chief executive Stuart Patrick is pleased to see the momentum
being built by the 'yes' campaign. "A successful BID would see the non-pedestrianised part
of Sauchiehall Street transformed from an unloved area with distinct problems and
given a definite identity."
Council leader Gordon Matheson said: "It is encouraging to see businesses in the city
centre working together and supporting each other. I'm confident their efforts will benefit
not only them and their staff, but also local residents and the thousands of people who
visit the area."
James H
The blinding obvious is what you showed to me.....
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Deep fried Mars bar
Joined: 13 Jan 2012
Posts: 2008
Location: Dennistoun
Posted: Thu Nov 21, 2013 9:20 pm
Post subject:
I am all in favour of pedestrianisation, although I imagine that driving in the City Centre will become a nightmare (says I, the public transport user)!
Sic a parcel o' rogues in a nation
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Gobshite Mod
Joined: 18 Aug 2007
Posts: 11936
Location: Central Cyberia
Posted: Fri Nov 22, 2013 12:22 am
Post subject:
To be fair this is probably a great Idea as long as they keep it like the Cowgate in Edinburgh. Only closed after 7 on a Friday and Saturday night.
I hate going into the western side of the city on those nights via Sauchiehall Street due to the amount of revellers who just fall out in front of you... or the drunks boxing with each other over god knows what. Another idea possibly to reduce this happening would be to suspend parking in that entire street at those times where at least we could get a decent view and hopefully avert an catastrophe before it happens.
I hate the idea of a council suppressing any parking anywhere at anytime except for the obvious danger areas but It just makes sense where alcohol is involved.
Point it - Shoot it - Forget it !
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Joined: 17 Aug 2007
Posts: 5688
Location: Somewhere I'm not meant to be
Posted: Sat Nov 23, 2013 3:02 am
Post subject:
I knew there was plans afoot a couple of weeks ago through the hotel association and I totally agree that something needs done with that part of town. Just walk up it at 7 on a weekend morning and it's a mindfield of puke and rotten kebabs.
But will they keep it clean when its done?
Now coming at you with 95% more significance, 1% less salt and virtually fat free!
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Joined: 30 Jul 2007
Posts: 6661
Location: Utopia Planitia
Posted: Wed Nov 26, 2014 9:35 pm
Post subject: Re: First firms get behind radical plan to revamp Sauchiehal
Bus gate plan to block major routes in city (© Evening Times)
Cars could be banned from some of Glasgow's busiest streets under controversial plans revealed today.
Two new no-go zones for private vehicles could be created in the city centre with the introduction of more
bus gates. Council bosses, who want to reduce congestion in the city and improve air quality, have identified
Renfield Street and Oswald Street for potential new bus gates.
But the proposals have already sparked fury from some drivers, with hundreds of on-street parking spaces
also due to be removed. It is also feared journey times would significantly increase if all the measures are
implemented. The city council is expected to approve the plans today, with the bus gates scheduled to be in
place by 2017.
As previously reported by the Evening Times, a bus gate at Nelson Mandela Place, introduced in June, caught
a daily average of 694 car drivers in its first week. Operating from 7am until 7pm every day, it has been linked
with a fall in congestion and in harmful traffic emissions in the city.
In just two months it generated £1.5 million in fines, sparking concerns from city business leaders. The major
new report into the city centre's transport and traffic states: "The main bus corridor proposals have been tested
using transport modelling. The avenues and cycle routes were generally found to increase journey times and
decrease average speeds for motorised traffic on affected corridors with some re-routing as well.
"The introduction of bus gates/traffic management measures on Renfield Street and Oswald Street provided
benefits to buses on these corridors but led to re-routing and longer journey times for general traffic. Traffic
travelling through the city centre is anticipated to fall by up to nine per cent as a result of the measures contained
in the report."
Council bosses want to limit traffic heading north to south in the city centre by installing a bus gate on Renfield
Street, one of the most polluted street in the country. Another, limiting vehicles arriving from the South Side,
is planned for Oswald Street.
James H
The blinding obvious is what you showed to me.....
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Gobshite Mod
Joined: 18 Aug 2007
Posts: 11936
Location: Central Cyberia
Posted: Thu Nov 27, 2014 4:32 am
Post subject:
Glasgow Council are just wanting to generate more money. Big businesses are already up in arms because important paperwork they took for granted in West George Street can no longer be delivered out with normal delivery times. To the point where Vehicles are fined (Let's call it a toll as thats basically what it is) then they are fined again for stopping to make the delivery. so any large mail drops in the city within the bus gate now attracts a levy of £75 daily. Restaurants and boozers are hit with this same (Toll) on a daily basis. Welcome to the Congestion Charge (TOLL) where if you take a wrong turn in the town it could cost you £500 just to get back out if all their bus gate plans are approved as someone has done a wee bit of joined up thinking at the council on this Cash Cow.
Point it - Shoot it - Forget it !
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Pizza supper
Joined: 22 Apr 2012
Posts: 450
Posted: Thu Nov 27, 2014 9:55 am
Post subject:
Just a money making racket. Nothing to do with congestion or enviornment.
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Roll and sausage
Joined: 13 Jun 2009
Posts: 28
Posted: Thu Nov 27, 2014 3:03 pm
Post subject: to end congestion in City Centre
I agree with last contributor, just another money-grabbing scheme to fleece us......
I also listened angrily to an 'expert' spouting this rubbish about catering for more cycling, and again quoting Holland as an example where bikes are accepted......
In Holland most cities are forced to open-up cycling lanes...BECAUSE BIKES HAVE A LEGAL RIGHT OF WAY, and that makes a BIG difference.
Also our crude patchwork quilted streets are at the mercy of just about everyone who wants to dig a hole, and they are 95% always next to the pavement, where incidently, these new cycle lanes are proposed.
Take it from an old motorbike owner, British car drivers always force 2 wheels into the inside lanes and suffer the damage....that's why I sold my motorbike.
Also remember, Glasgow has for years, misspent its budgets for roads by bean-counters balancing claims against budgets, and re-directing funds to other favoured projects...
If such schemes were implimented, the costs of actually making the road and pavement surfaces REALLY level and safe.....would be horrendous
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Joined: 30 Jul 2007
Posts: 6661
Location: Utopia Planitia
Posted: Mon Feb 20, 2017 6:14 pm
Post subject:
£115 million transformation of Sauchiehall Street to begin (© Evening Times)
Work will start this summer on a major transformation of Sauchiehall Street creating a tree-lined avenue.
The scheme is the start of a £115million investment by the city council to create a network of continuous pedestrian and cycle
priority routes in the city centre. Council bosses say the aim is to make the city centre more attractive, people friendly and
economically competitive. Improvements to the non-pedestrianised stretch of Sauchiehall Street between Charing Cross and
Rose Street will take around 18 months to complete.
They will transform the traffic dominated street to an area with trees, seats and cycling facilities. A report to councillors says:
"Experience has proven these kinds of improvements lead directly to safer and more vibrant places with an increasingly mixed
leisure and retail offer with greater economic stability."
The plan involves widening the Sauchiehall Street pavements, planting trees and creating a two way cycle lane. Footways will be
cleared of clutter repaved in Caithness stone creating more space for tables and chairs at licensed premises. There will also be
new street lights and seats and bike stands will be placed between the trees at the edge of the pavement.
The existing three bus stops and two taxi ranks along with kerbside loading will be provided in the new layout close to their
existing locations. Details of the plan were drawn up after wide consultation with businesses and people living on the affected
section of Sauchiehall Street.
City council leader Frank McAveety said: "This radical plan outlines an exciting new vision for the Sauchiehall Street and
Garnethill district and a taste of what the city centre could look like in the future, setting the benchmark for modern, vibrant cities
across Europe. These proposals will lead to improved public spaces and a better connected centre of Glasgow, fully able to
capitalise on its unique assets and diversity."
In 2013, businesses on the non-pedestrianised section of Sauchiehall Street voted overwhelmingly to create a business
improvement district. That requires them to contribute the equivalent of 1% of their rateable values into a fund to improve the
area. The aim is to subtantially increase the number of overseas and domestic visitors through high-profile marketing, a
programme of events and by ensuring the street is cleaner, safer and more inviting.
The move comes after a number of high profile retailers have opted to pull out of Sauchiehall Street, once seen as a vital part of
the city's Golden Z and a destination for visitors and locals alike. In March 2014, Italian restaurant Dino's closed its doors after
serving diners in the city for more than 50 years. It was followed by a number of other prominent retailers including BHS, Clarks
shoe shop, Ann Summers and Greaves Sport. Family firm Crocket the Ironmonger also shut up shop after 50 years in the city
BHS occupied its prominent site for almost half a century and Ann Summer's first Scottish store has operated on Sauchiehall
Street for more than 20 years. But just this week the lingerie store announced it will close permanently in a few days. The
announcement came just weeks after high street mainstay Greaves revealed it would be closing it store just yards from Ann
Summers. The combination of shopping malls and the demise of Sauchiehall Street has been blamed for a decline in business.
Plans have been submitted for a £75million redevelopment of the prominent BHS site replacing the store with a 12 storey
scheme with boutique offices and retail. But elsewhere on the road, residents and visitors pass dozens of empty shops, boarded
up windows, cracked pavements and at risk buildings.
According to Alan Wilson, marketing professor at Strathclyde University, the main shopping street in the city now runs from
Buchanan Galleries to the St Enoch's Centre. And he suggested there may need to be a rethink about how Sauchiehall Street
Mr Wilson said: "You might get more potential for more hospitality - restaurants etc. might be a way of reinvigorating Sauchiehall
Street but I think it will be very difficult to get a lot of new shops in there."
James H
The blinding obvious is what you showed to me.....
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text:
Gladsheim Kindred announces...
Gladsheim Kindred Blot (ritual)
When: Second Saturday of the Month
Where: Columbia, Maryland
Price/Donation: donations are accepted
Monthly Blot (ritual) , lore and fellowship
Event Details: We are an independent Asatru Kindred that gathers monthly in honor of the Norse Gods, ancestors and to celebrate the heathen holidays.
We meet the second Saturday of each month for Blot (ritual) , lore discussion and fellowship. We ask that people arrive starting at 4PM with lore discussion beginning at 5PM followed by Blot at 6PM.
Members of the Hof (church) prepare a feast in service to the Gods and the Kindred which follows the Blot. Although this is not a potluck dinner, guests are welcome to contribute snacks and beverages.
Please see our website for full schedule, directions and more information.
Event Location: 6408 Waterloo Road in Columbia
Event TIME Details: 4PM gather, 5PM Lore & 6PM Ritual
Directions: From Baltimore:
95 South to Rt 175 West (columbia)
Take 108, pass shopping center and restaurant row
House will be on the Left
From DC:
95 North to Rt 175 West (columbia)
Take 108, pass shopping center and restaurant row
House will be on the Left
Phone: (410) 799-6631
Website: http://www.gladsheim....
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


text:
I have a Construct theme I'm running on Wordpress. All of my links to you tube clips are now coming up blank. Please advise
Hi mark, this is a general open forum, the appropriate support forum for this theme can be found here.
Or, you can interact directly with the author here. The link takes you to the item's Comments section, where you can also browse previous posts for additional information and/or troubleshooting.
Just leave the author a quick comment and he'll gladly point you in the right direction. Good luck.


text: I'm currently working on a MTM Review website, have a decent domain name. Personally, I've found it kinda annoying having to scroll through xx page long threads and 14112 blogs in order to get a decent image of how a company is. I've especially noticed this lately when trying to shop MTM clothing myself. The site will be a basic product review site with ratings, comments and pictures on each garment from the respectable makers. Along with things as coupon codes, etc. All in all a meat and potato review site where users can submit reviews. Everything MTM (shoes, shirts, suits, ties, whatever) Any special features you'd like?


text:
Latest question:
How do you think the new GigE standards will influence the machine vision industry?
Respond or ask your question now!
Availability and Pricing
The BCM7043 real-time encoder/transcoder chip is sampling to early accesscustomers. Pricing is available upon request for manufactures of cable,satellite and IPTV set-top boxes.
About Broadcom's Broadband Communications Group
Broadcom offers manufacturers a range of broadband communications andconsumer electronics SoC's that enable voice, video and data services overresidential wired and wireless networks. These highly integrated siliconsolutions continue to enable the most advanced system solutions on the market,which include digital cable, satellite and IP set-top boxes and media servers,broadband modems and residential gateways, high definition and digitaltelevisions, HD DVD and Blu-ray Disc players, DVD recorders and personal videorecorders.
About Broadcom
Broadcom Corporation is a major technology innovator and global leader insemiconductors for wired and wireless communications. Broadcom products enablethe delivery of voice, video, data and multimedia to and throughout the home,the office and the mobile environment. We provide the industry's broadestportfolio of state-of-the-art, system-on-a-chip and software solutions tomanufacturers of computing and networking equipment, digital entertainment andbroadband access products, and mobile devices. These solutions support ourcore mission: Connecting everything(R).
Broadcom is one of the world's largest fabless semiconductor companies,with 2006 revenue of
Broadcom is headquartered in Irvine, Calif., and has offices and researchfacilities in North America , Asia and Europe . Broadcom may be contacted at+1.949.926.5000 or at http://www.broadcom.com.


text:
If you had 3,000 (US) to spend on you "Wife"
Hey guys, sorry it's been a while. Update on the 325i, drove 10k miles and still no problems, just a brake light that went out :)
I wanna sell my motorcycle for about 3k US. What would you do with that money?
I would love some boost but I dont think 3k is enough to do it SAFELY lol.
Buy another motorcycle!
Hookers and blow....
(Hey man....it`s Christmas, be good to yourself :bigpimp:)
But all seriousness. I'm just reading up on some kits. I know I'm 1-2k short but I wouldn't mind spitting out a little more :D .
How about some serious suspension upgrades? You could replace pretty much everything and maybe still have enough for a set of OZ's.
+1... best bang for the buck is suspension, sways, and a square lightweight wheel/tire combo. Dropping weight on the wheels will make your car feel like it got a hp increase. Stock wheels are really heavy!
I'd buy a backup 2 seater car. That's what I did. Tons of MR2s & Miatas for $3k.
do all possible preventive maintenance (as not to buy a backup MR2 as av98 suggested :p ), and with the money left upgrade your ride's stability systems as mentioned above, and do an M-tech kit conversion :D
HAHAHA first off Merry Christmas!
I thought about suspension but I JUST bought brand new tires and an alignment so I didn't really wanna throw away that money.
I have thought about suspension but then i realized I do allot of rough driving. for instance 2 days ago i drove down to Florida and there is this really nice, flat (for the most part), dirt road. I turned DSC off and well... you know. :angel: ... I showed the wrx and sti kids how its really done!
So If i did Get suspension I would wanna stick with a stock height, maybe a SMALL drop. But imma wait for the tires to go first.
As far as the back up car, this puppy is FINE with me. No problems, just the brake light.
I thought about a fiero or miata but by the end of the day... nothing comes close to a Bimmer!!! :thumbup: ... however a house 2 doors down does have a fiero that never moves, might be able to snatch that off him for real cheap!
So far if it ain't some boost (which would be fun), its full suspension and some nice seats (mine are nice condition but I'd like my wife to hug me back! :p )
If not that then sell everything and get a m3.
If I get this job with VW then it would definitely be m3 ftw lol - then work on that mad dog! :violent: :violent: :violent: :violent: :violent:
Does AA not make a stage 1 for the 325i???? all I'm finding is this stage 2 http://store.activeautowerke.com/act...lower-p41.aspx Could that be run with a stock motor SAFELY?
Way out of my budget but it crossed my mind lol!
What about the VF set up? Is it worth it? http://www.europeanautosource.com/pr...m-e46-3-series
Then the ess TS1? - http://www.esstuning.com/products/M5...28TS1%29-.html
What u like best?
(Is this beginning to sound attractive yet ? :thumbup: :D)
Ive never seen the people outside the house but i guess knocking on the door never hurt anyone :rofl:
The responsible thing to do would be cover ALL maintenance items first. Cooling system, o2 sensors, new fuel pump, air filter, cabin filter, fuel filter, control arms and bushings, rtabs, diff and trans fluids, belts, pulleys, and the list goes on and on.
Once done, you should have enough to buy some sway bars which are the best mod you can do.
Sent from my One X using Bimmer App
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Illinois Academic Fellowship Program
The Illinois Academic Fellowship Program helps new legal academics place into tenure-stream positions at U.S. law schools.
In recent years, our fellows have obtained tenure-stream positions at law schools that include the University of California-Berkeley, Indiana University-Bloomington, University of Alabama, and Pennsylvania State University.
Fellows spend one or two years in residence at the College of Law researching and writing under the close mentorship of Illinois faculty, teaching one course per semester, and fully participating in the College's famously rich intellectual environment. Fellows are treated like tenure-stream faculty although with a light teaching load and no administrative responsibilities. Fellows are provided with the support and counseling necessary to the development of a serious scholarly portfolio. By the end of the program, we expect fellows to be competitive for tenure-track positions at leading law schools.
Fellows are appointed as a visiting assistant professor of law and also carry the title of Ribstein Fellow in honor of the late Professor Larry Ribstein.
Selection Criteria
Applications for the Illinois Academic Fellowship Program are invited from law school graduates as well as Ph.D. recipients or candidates in any field who have a sustained academic interest in law's interaction with their discipline. Applicants may be students in their final year of law school or the final stage of a doctoral program, recent graduates, or persons with several years of law practice experience. Fellows will be chosen on the basis of an assessment of their potential, with appropriate support and mentoring, to obtain a tenure-track position at a leading law school.
The number of new fellows varies from year to year but is typically no more than two. Applications are welcome from potential fellows in all subject matter areas and methodological approaches. The University of Illinois is an Affirmative Action, Equal Opportunity employer.
Scholarship and Teaching
Fellows will teach one class per semester. Depending on the interests of the fellow, the course may include traditional law school courses across the full range of the curriculum and seminars that focus on the research interests of the fellow. Each fellow's teaching package will be designed to provide meaningful preparation for the academic job market and to complement the current writing projects of the fellow, subject to the curricular needs of the College of Law. The exact courses assigned is ultimately in the discretion of the dean of the College of Law.
Most importantly, fellows will receive substantial faculty assistance with their research projects; the opportunity to present works in progress to the faculty in a workshop setting; the opportunity to attend and participate in lectures, colloquia, symposia, roundtables, and faculty workshops; faculty advice and assistance in preparing for the academic job market; and, where appropriate, pairing with a faculty mentor. Assisting fellows in preparing a substantial piece of scholarship, with an emphasis on the "job talk" paper, is a primary goal of the Illinois Academic Fellowship Program.
The number of fellows will be limited to insure that each fellow will have substantial opportunities for direct interaction with senior and junior members of the faculty. The College of Law offers a rich intellectual environment with numerous faculty workshops and specialized speaker programs.
Fellows will be full participants in faculty workshops and similar programs.
Compensation and Benefits
Illinois Academic Fellows receive a salary and full benefits, including health insurance. Salaries will be competitive with those offered by similar programs at major research universities. Fellows also receive a regular faculty office and administrative and secretarial support. Fellowships are not tenure-stream positions. The University of Illinois College of Law is located in Champaign-Urbana, which offers a variety of affordable housing options in a college-town environment with rich cultural offerings.
The College of Law is no longer accepting applications for fellowship positions for the 2017-18 academic year. Information about applications for the 2018-19 academic year will be posted on this web page in the fall of 2017.
Illinois is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, or status as a qualified individual with a disability. Illinois welcomes individuals with diverse backgrounds, experiences, and ideas who embrace and value diversity and inclusivity (inclusiveillinois.illinois.edu).


text:
"Three Rules of Work…"
"Three Rules of Work: Out of clutter find simplicity; From discord find harmony; In the middle of difficulty lies opportunity." ~ Albert Einstein
"Three Rules of Work" From the photographic essay "Valle Crucis, North Carolina, as explored by Revival Photography" • Produced by Revival Photography in collaboration with & sponsored by The Mast Farm Inn
Revival Photography • www.facebook.com/revivalphotos • Jason + Heather Barr, a husband and wife team. Together, we are Revival Photography. Our style is often described as "photojournalistic", "creative", "timeless", and "styled with a vintage-inspired flair." We tell YOUR story.
The Mast Farm Inn • www.facebook.com/mastfarm • "So Much More… The world renowned Mast Farm Inn of Valle Crucis is nothing short of a handcrafted masterpiece of North Carolina Folk Art". ~ Emma Johnson


text:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/3.0/).
Several studies have demonstrated that ochratoxin A (OTA) inhibits the nuclear factor, erythroid 2-like 2 (Nrf2) oxidative stress response pathway. At the cellular level this would attenuate (i) glutathione synthesis; (ii) recycling of oxidised glutathione; (iii) activity of oxidoreductases; and (iv) phase II metabolism inducibility. The effects combined would render the cell and tissue more vulnerable to oxidative stress. Indeed, Nrf2 knock out animals exhibit increased susceptibility to various types of chemical-induced injury. Several studies have shown that OTA exposure can inhibit Nrf2 responses. Such an action would initially lead to increased susceptibility to both physiological and chemical-induced cell stress. However, chronic exposure to OTA may also act as a selective pressure for somatic mutations in Nrf2 or its inhibitor Keap-1, leading to constitutive Nrf2 activation. Nrf2 overexpression confers a survival advantage and is often associated with cancer cell survival. Here we review the evidence for OTA's role as an Nrf2 inhibitor and discuss the implications of this mechanism in nephrotoxicity and carcinogenicity.
The ochratoxin family of mycotoxins is found in a wide variety of foods, including cereals, meat, dried fruits, nuts, coffee, wine and beer. Ochratoxin A (OTA) is considered the most toxic of the family and is found at highest concentrations in European food stuffs. The average daily intake of a European adult is estimated at 1 ng.kg−1 b.w., although exposure rates can be up to eight times higher [
The nuclear factor, erythroid 2-like 2 (NFE2L2 or Nrf2) constitutes the main oxidative stress response and drives the transcription of genes involved in glutathione synthesis and recycling, phase II metabolism and the reduction of oxygen species and quinones [
The Nrf2 response has been shown to be robustly induced in several tissues in response to chemical and physiological stressors. For example, many nephrotoxins induce Nrf2 nuclear translocation and Nrf2 dependent gene induction in renal epithelial cells, including potassium bromate, cadmium chloride, diquat dibromide and cyclosporine A [
A number of studies have shown that OTA induces oxidative stress and that pre-incubation of antioxidants can protect against OTA induced injury (reviewed in [
Rats exposed to OTA by oral gavage for up to one year exhibited a decrease in the mRNA of Nrf2-dependent genes in the kidneys, but not the liver [
Ochratoxin A (OTA) (5 µM) induced an inhibition of Nrf2-dependent genes in human primary proximal tubule cells. Human primary proximal tubular cells from three different donors were cultured to confluence and treated with 5 µM OTA for 1 (grey bar) and 3 days (black bar). RNA was isolated and ran on Affymetrix HGU-133 plus 2 arrays. Nrf2-dependent genes were selected for graphical representation and are expressed as log 2 fold over time-matched (TM) control ± SEM. See [
There are several potential mechanisms for OTA-induced Nrf2 inhibition: (i) inhibition of Nrf2 nuclear translocation; (ii) inhibition of Nrf2 DNA binding; or (iii) epigenetic effects preventing normal Nrf2-dependent transcription.
Independent studies have shown that OTA inhibits Nrf2 activation prior to nuclear translocation [
It has also been suggested that OTA can interfere with Nrf2 DNA binding. Two independent studies have shown that OTA induces a dose-dependent decrease in Nrf2 activity using ARE-luciferase reporters [
There is also a growing weight of evidence showing epigenomic effects of OTA. OTA has been shown both to increase histone deacetylase 3 (HDAC3) expression [
In the last number of years, it has been demonstrated that microRNAs (miRNAs) are important post transcriptional regulators and some have also been demonstrated to affect Nrf2 and its downstream targets. OTA has also been shown to induce several miRNAs, with an especially high induction of miR-132 in LLC-PK1 cells [
OTA can inhibit the activation of the Nrf2 pathway at multiple points, as summarized in
Elucidated mechanisms of OTA induced Nrf2 inhibition.
In conclusion, OTA-induced inhibition of Nrf2 activation and Nrf2 gene transcription together with OTA-induced Nrf2 protein depletion would render the cell defenseless to physiological and compound-induced oxidative stress. This, coupled with the facts that OTA itself induces oxidative stress, and that Nrf2 induction prior to OTA exposure prevents OTA-induced cell death, provides strong evidence that Nrf2 inhibition is the primary mechanism of OTA's toxicity. Nrf2 inhibition and subsequent increase in ROS would lead to lipid peroxidation, proteotoxic stress and oxidative DNA damage. Other protective pathways would inevitably be activated, such as p53, to prevent the cell replicating by initiating cell cycle blockade and promoting apoptosis. However, over a chronic time course such a situation will create a selective pressure leading to escape from p53 activity and thus promotion of a cancerous phenotype. Additionally, Nrf2 inhibition alone may select for cells with somatic mutations in Nrf2 or Keap-1, leading to a constitutive activation of the pathway. A cell without p53 control and a constitutively active Nrf2 system would have a massive survival advantage and would also be very resistant to chemotherapeutics. Indeed, utilizing the high Nrf2 expression in tumor cells is now being considered as a method for tumor specific targeting of toxic payloads [
This work was financially supported by the European Union FP7/Cosmetics Europe project DETECTIVE, grant agreement No 266838.
The authors declare no conflict of interest.


text:
As 2013 gets under way with
Chanticleer reckons the answer is yes. The arguments in favour of that point of view can also be used to defend a shift into non-financial equities by those sitting on cash.
Buying three of the big four banks and the regional bancassurance group,
But those who picked
It was the dividend yield that redeemed those who picked NAB, BoQ and Bendigo. But the relative performance of these stocks was ordinary compared with CBA and Westpac, which delivered total returns (including dividends) of more than 28 per cent. ANZ returned about 22 per cent and Suncorp delivered a return of more than 26 per cent.
It is clear from this year's market movements that there are plenty of investors willing to have another throw of the dice on the big banks. Chanticleer believes there are good reasons why this "gamble" stacks up.
First, the world is a much better place than it was 12 months ago. There are green shoots of economic revival in the US, Europe looks as though it will hold together even if it is with paper and string, and China is growing at levels that support Australia's mining sector.
Second, the dividend yields that underpinned market valuations in 2012 are still in place. Dividend yields of 5.5 to 6 per cent are attractive when term deposit rates are falling.
Also, bank dividends carry franking credits that elevate the overall return depending on the shareholder's tax position. Bank dividends are growing at about 5 per cent a year, which is in excess of inflation.
Third, the managements of banks are maintaining tight cost control disciplines. A bank that can keep cost growth at 2 or 3 per cent will deliver higher profits even in a low credit growth environment.
There is an upside to low credit growth. It means banks require less capital to back new loans. This means cash generated from the existing book can be directed to shareholders rather than capital reserves.
Another way of looking at the positive case for investment in banks is to go through the arguments against them. The most obvious one is that while the Australian economy is growing it is consumed by negative sentiment that is affecting many businesses. Much of this negativity is driven by corporate cost cutting that is making people uncertain about their jobs.
That line of argument says that an environment in which the Reserve Bank of Australia is cutting interest rates is also a world in which unemployment will rise and therefore cause bad debts to rise. This in turn would cause banks to have higher provisions for bad debts that would lower profits.
But investing is as much about the weight of money as it is about the facts. Lower interest rates will unleash a wave of liquidity from people unhappy with the decline in term deposit rates and seeking to protect their level of income.
However, the most important point is that unemployment needs to rise substantially before it would have a big impact on the bad and doubtful debts generated by people not paying their mortgages. Unemployment is 5.4 per cent and may head higher, but it is difficult to see it reaching levels that would cause a spike in bad debts.
Banks report that most mortgage borrowers are repaying their loans at rates that are well in excess of the minimum required under their repayment schedules.
There is no doubt that households and businesses are caught up in a mood of caution. This was confirmed on Tuesday with the release of the NAB Monthly Business Survey. Conditions improved marginally in December.
The other factor that is cited as a reason to steer clear of Australian banks is the high leverage involved.
A fund manager at Platinum Asset Management, Jacob Mitchell, highlighted this in a note to clients earlier this month. He said investors should consider the sustainability and growth profile of popular yield stocks such as the big banks.
He says the local banking sector has a tangible capital base that is leveraged roughly 21 times compared with 15 times for a United States bank such as Bank of America.
Also, he highlights the fact that the loan books of Australian banks are concentrated in residential mortgages. About 60 per cent of assets are in mortgages and the risk-weighting model used for capital means the treatment of mortgages here is much more lenient than in other countries.
Typical risk weights for Australian mortgages are 20 per cent compared with 35 to 75 per cent in the US and just under 35 per cent in Japan.
He says most socio-economic systems have a tendency to develop their own "expedient bias". "If investors deem the yield on Australian bank shares to be attractive, they should also be aware of how leveraged to the Australian property cycle that yield really is," he says.
Chanticleer agrees that every great trade must come to an end. But it is hard to see a property bubble existing in Australia, or the catalyst for that so-called bubble to burst.
For the record, at Tuesday's close of $64.73, CBA is one of the most expensive bank shares in the world. It is priced at 2.5 times its book value and trades on a price earnings multiple for 2013 of 14.5 compared with market price-earnings ratio of 13.5.
However, only one broker says buy the bank at these prices. Most analysts are either neutral, or say sell. But Chanticleer suspects this will change if the price continues to rise.
The case for bank stocks can easily be used in the case for other high-yielding stocks, such as Telstra. But there are dangers in stretching the strategy to high-yielding cyclical stocks in the retail sector. They are high yielding but the challenges they face from a high dollar and changing patterns of consumer behaviour could make them a value trap.
One final point about bank stocks. They tend to rally leading up to financial results as investors lock in positions before dividends are declared. The stocks then fall afterwards as the dividend strippers move on.
The view inside is not flattering. In fact, it is somewhat worrying. The Australian Securities and Investments Commission has uncovered a lackadaisical attitude to compliance and a stubbornly arrogant resistance to change once found out.
It is hard not to get the impression that financial advisers working in Macquarie Private Wealth were too busy trying to sell stocks and had little time to document the advice they were giving.
Outsiders rarely get to look inside the secretive Macquarie edifice, which is why the ASIC enforceable undertaking released on Tuesday is revealing.
It would appear that behind the group's high castle walls, there has been a flagrant disregard for compliance with important obligations imposed by the Corporations Act.
One of the big accounting firms will win the lucrative gig to help Peter Maher, who is head of banking and financial services, get on top of the problems and keep ASIC informed about remedial action.
But that still leaves a big unknown. Is the culture in private wealth repeated in other parts of the group?
Westpac's commitment to innovative financing solutions is evident at Oldfields, the paint, garden sheds and scaffolding group.
The company desperately needed to slash its debt to put its balance sheet on a viable footing. Westpac allowed Oldfields to buy back $8 million in bank debt for $2.5 million, following a $2.6 million capital raising.
The company was able to cut its interest bearing debt to $4.2 million. Westpac's interest payments on a deferred loan note will rise in tandem with the Oldfields share price over and above the rights issue price of 10¢ a share, but capped at 12.5 per cent.
Twitter @Tony__Boyd
The Australian Financial Review


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It is thought the second generation model will support faster 3G data speeds.
The original iPhone was criticised for its slower 2.5G Edge connection.
Apple is refusing to confirm or deny any of the speculation.
But internet gossip sites are buzzing with talk of a new model.
New iPhone features
Bloggers point to Apple's Worldwide Developer Conference on 9-13 June as a possible launch event.
According to his Diggnation podcast, the latest model will come with an extra digital camera hidden behind the touchscreen to film the user in conversation.
Apple might also replace the standard LCD display with more expensive Organic Light-Emitting Diode (OLED) technology.
That would save on battery life and reduce the thickness of the phone.
Satellite navigation could also be built in as standard.
Possible launch dates
Financial analysts that track Apple's share price say orders have already been placed for the microchips and other electrical components that are needed to build the new phone.
Scott Craig from Bank of America reckons it will go on sale in June in the USA.
There is no word yet on the timing of a UK launch.
A summer release date would put the new iPhone in direct competition with rival multimedia devices expected to hit the market about the same time.
Sony Ericsson has been showing off prototypes of its own touchscreen phone, the Xperia.
The final version, built around Microsofts Windows Mobile platform, will go on sale in the second half of the year.
Nokia has also confirmed the next generation of its multimedia N-Series phones will feature a full touchscreen interface.
What are these?


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NHL notebook: Sabres narrow GM search
• The Sabres narrowed their general manager search to four candidates, including Bruins assistant GM Jim Benning and Senators assistant GM Tim Murray, a person familiar with the process told the Associated Press on Tuesday. The person spoke on the condition of anonymity because the Sabres have not revealed their list of candidates to succeed Darcy Regier, who was fired in November. The two other finalists were not revealed. Another candidate linked to the job is Maple Leafs assistant GM Claude Loiselle.
• The Hurricanes have been shut down by a blizzard. The NHL postponed the game scheduled for Tuesday night in Buffalo between the Sabres and Carolina because of a snowstorm in western New York. A makeup date has not been determined. The postponement comes with Buffalo dealing with a wintry blast of near-zero temperatures. The last time the Sabres had a game postponed was at Buffalo against New Jersey on Dec. 6, 2000.
• Blackhawks goaltender Nikolai Khabibulin had surgery Tuesday to repair a torn rotator cuff in his right shoulder and will be out 4-5 months. The Blackhawks called the surgery successful. Team Dr. Michael Terry says the injury was becoming problematic, but a full recovering is expected. The 40-year-old Khabibulin has played in four games with the Blackhawks this season (1-0-1).
• Sharks forward Logan Couture will undergo surgery Wednesday for an upper-body injury. General manager Doug Wilson said Tuesday that Couture has been playing with the injury for several weeks and decided to have surgery when it did not respond as hoped.
• The Canadiens announced that center Alex Galchenyuk will miss the next six weeks with a broken hand.


text: On Thu, 25 Aug 2011 09:07:48 PM Jayavant Patil wrote: > Hi, Hiya, > Is anybody having a tutorial or reference pages > explaining about the communication between Torque > and MPI? Open-MPI uses the PBS Task Manager (TM) API to talk to Torque pbs_mom's. If you have the Torque manual pages installed you can "man tm" to see the docs. The code in Open-MPI that launches jobs is in the code: $openmpi/orte/mca/plm/tm/ Hope that helps! Chris -- Christopher Samuel - Senior Systems Administrator VLSCI - Victorian Life Sciences Computation Initiative Email: samuel at unimelb.edu.au Phone: +61 (0)3 903 55545 http://www.vlsci.unimelb.edu.au/


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bhupi80singh's Mom Answers Activity
My 7 mo old doesn't hold head straight Watch this
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I know it has been several years since the original question was posted, and hopefully the child has outgrown the toticollis. I wanted to...posted by a BabyCenter Member
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Introduce your students to the issues surrounding the "Red Scare" in the United States in the 1950s.
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text:
/etc/httpd/httpd.conf and removing the comments in front of
AddModule mod_perl.c
LoadModule perl_module libexec/httpd/libperl.so
Stop and start Apache by using the Stop and Start button in the Preferences panel. The Apache document root is in
IIRC Mysql has a Mac OS X package that integrates just fine.
sudo. In Terminal (Applications > Utilities > Terminal), type:
sudo passwd
and define a password. You'll probably want to edit the PATH as well.
fink install mc. Fink is installed in
/sw so that's also where
mc will be installed.
/Developer. The user profiles are located in
/Users and not in
/home but you can create a link.
To be continued...


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Ladies, your purses drive me nuts. Whether they are as big as luggage or as small as an eyeglass case, you never know what you've got in them, and you can never find it even if it's in there. Some purses cost $10, and some cost $400, but I still can't tell the difference no matter how many times my wife has explains it to me.
But you know what all purses have in common? They all say, "Money, checks and credit cards inside. Please steal me!"
There isn't a time I go to the grocery store, when I don't see at least one, if not five purses unattended in shopping carts. You may only be shopping for milk and eggs, but someone else in that store may be shopping for something else.
If you are going to place your personal belongings in your cart, that's fine when you are standing behind it pushing it. But when you turn around to read how much sodium is in the can of green beans that are on sale, four for $5; sometimes that's all it takes.
Even better than the whole purse being stolen, is the wallet being stolen out of the purse, when the purse is lying in the cart wide open. What generally happens here is by the time the victim gets to the checkout and is wondering where the wallet went, the thief has already filled their tank with premium, bought a soda, four packs of Ding Dongs, and is sitting at home playing a brand new video game. Your wallet and its contents, minus the cash, have been disposed of somewhere along the way.
Many people leave their purses in their cars, so they don't have to carry them through the store. This basically gives the thief a longer window of opportunity to take it.
You've got to remember: thieves have a sixth sense. Just as you know your own job, thieves know theirs. When we go home, we try to stop thinking about our jobs. Thieves don't. Thieves don't have sick days, vacation days or a 401k. Actually, I take that back. Sometimes they have your 401k.
Another thing to think about is what happens if your checkbook or credit cards are stolen. Do you have the account numbers readily available somewhere, and a phone number to call to cancel them right away?
I apologize if I have painted a cynical picture about crime and its victims. And I apologize to the thieves. I haven't been very kind to you, either. But much of the thieves' success is due to our own laziness, lack of awareness or lack of preparation. Thieves prey on the easy take. Let's make it harder for them.
And now for this week's answer with attitude, to the age old question: "What are the police doing about this?" Well, I'll tell you.
After your purse is stolen, you call us. We look for witnesses, and review store surveillance video looking for the suspect. If we locate suspect information, we now try to identify and locate that suspect. We then have to track down where all your stolen credit cards were used, and go through the same process to try to find those suspects, because there is a good chance it is someone other than the original thief. If someone got a license plate number, we have to track that down, and try to locate the owner. After all that, we have to type the report.
So what are we doing about Lodi's theft you ask? Probably still writing the report from the last purse that was left in a shopping cart or on the seat of the car.
We do our best to go after thieves — we really do. But to be realistic, they outnumber us. If we as a community all work harder, then we can outnumber them.
Any comments, questions or advice for Behind the Badge can be e-mailed to Jeanie Biskup at email@example.com; mailed to Lodi Police Department, 215 W. Elm St., Lodi, CA 95240; or asked by phone at 333-6864.


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Since last week's magnitude-9.0 earthquake and the tsunami that followed in its wake ravaged Japan's Honshu Island, EMU student Satoyo Yoshida has been eager to return to her native country ... read more about EMU Student Keeps Up With Family In Japan, Avoids News
Player of the Week: Yuki Onodora
Chase Yutzy, Weather Vane student newspaper First-year Yuki Onodora (Photo by Chelsie Gordon) The distance between Ebetusu, Japan and Harrisonburg, Virginia is roughly 10,000 miles. First-year Yuki Onodora is worlds ... read more about Player of the Week: Yuki Onodora
Graduate Hopes to Help Japanese Women Pastors
Japanese Poet to Appear at EMU
Japanese Mennonite poet Yorifumi Yaguchi Japanese Mennonite poet Yorifumi Yaguchi will offer his words of poetry about beauty and pain of life at Eastern Mennonite University. He will read from ... read more about Japanese Poet to Appear at EMU
Zehr Reaches Millions in Japan
While traveling to his next appointment on the Tokyo subway system, Howard Zehr (right) is interviewed by Yasukazu Akada, a reporter for Asahi, a daily newspaper circulating to 10 million ... read more about Zehr Reaches Millions in Japan
Art Prof Finds The Rhythm
By Luanne Austin, Daily News-Record Barbara P. Fast is a patient woman. She ... read more about Art Prof Finds The Rhythm
Art Exhibit to Feature Papermaking
A detail image of Barb Fast's artwork. "Cooking with Kozo," an exhibit of Asian papermaking by Barbara P. Fast, chair of the art department, will go on display Sunday, Nov. ... read more about Art Exhibit to Feature Papermaking


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Visit this site.
Stampaway USA is not just another rubber stamping convention...it's a four-day learning and shopping rubber stamping extravaganza featuring classes, a Friday preview party, fundraisers, an all-day Saturday rubber stamp convention, and more!
Friday Night Preview Party: August 11, 2017 6:30 pm - 10:30 pm (Sharonville Convention Center)
Theme is: A Night Out in Nightwear
All Day Convention: August 12, 2017 9:00 am - 4:30 pm(Sharonville Convention Center)
Classes-August 9-11, 2017 (Held at Sharonville Convention Center)
Looking for Stampaway class & registration information?
Stampaway Program (PDF)
Stampaway Class Schedule (PDF)
Stampaway Registration Form (PDF)
One-Day Convention:
Saturday, August 12, 2017
9:00 a.m.-4:30 p.m.
Ranked as the #1 rubber stamping convention in the country, Stampaway USA draws thousands of rubber stamping enthusiasts from around the world. The event is a production of Stamp Your Art Out!.
It all happens at Stampaway USA!
You can find a complete list of 2017 exhibitors here.
2016 Exhibitor Best of Show Winners can be found here.
Friday, August 11, 2017
Theme: A Night Out in Nightwear


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By Sally J. Reel, NP
Starting and managing an NP practice takes motivation, desire and talent. It also requires research and planning to increase the probability of success.
A business plan is a formal document that explains plans to develop a financially successful practice. Business planning analyzes whether there is a need for the nurse practitioner to fill, whether there will be enough business to support a practice financially, the barriers the practice must overcome to be successful, and the business skills the nurse practitioner needs to operate a practice. Business planning also allows a person to consider how practice ownership will affect his or her life.1
As a blueprint of the practice, a good business plan provides detailed information about all aspects of the business and makes projections about the practice over the next few years. Potential adversities, competitors and other vulnerable areas are pointed out, along with plans to prevent failure. A business plan provides tools to implement changes and foster profitability. For greatest value, the plan needs to be updated regularly.1,2
A Financing Plan
Most lenders require a business plan when financing is sought. Because lack of planning is a principal reason for business failure, lenders want to know upfront how borrowers will maintain cash flow and repay the loan. The business plan must display in detail how the money will be used for the practice. Solid data such as estimates, industry norms and rate sheets should support projections.1-3
A good business plan provides detail about practice operations and forces an answer to the question, "What business are you really in?"1-3 The success of a practice is closely related to several factors that should be researched prior to opening the practice. They include:
While nurse practitioners may have confidence in their professional ability to be independent practitioners, success depends on knowing the practice climate, the competition, laws governing NP practice, and the public's perceptions of nurse practitioners. A good business plan, therefore, takes the big picture into account.1
Sources of Assistance
A written business plan may run 25 to 40 pages and, if consultants are involved, can be expensive. While using a consultant is an excellent strategy to assist with plan development, less expensive assistance is available through the Small Business Administration, the Service Corps of Retired Executives, graduate business students who do plans as components of coursework, business-oriented community groups, professional journals, libraries and business plan software programs.1
Consider tax and legal issues early in the planning stages. Seek the advice of an experienced corporate attorney and an accountant. Laws vary from state to state, so choose advisers familiar with the state where the practice will be located. Financing has a direct bearing on the legal business form the practice will take, since the type of legal structure (e.g., sole proprietor, partnership, limited liability company, or corporation) has implications for the ability to protect personal assets while dealing with lenders. Tax issues include corporate and personal taxes, reasonable compensation limits, retirement plans, and title to any real property owned.2
Elements of the Business Plan
The body of a business plan should be organized in four major sections:
Additional elements include the cover sheet, table of contents, executive summary, supporting documents and financial projections.4
Description of the Business. This section describes in detail the business, its services, and what makes it unique. This section may have several divisions that address various components, including the business description, service description, legal structure, insurance and security.4
When businesses are formed, they usually fall into one of three categories: merchandizing and retailing, manufacturing and distribution, or service.
Primary care practices are service-oriented. In this section, explain the type of service the practice provides, why this practice is able to provide these services, who will provide them, and where they will be provided. Describe what will make this NP practice unique, competitive and profitable. Describe future growth as well as anticipated problems in delivering services, along with an action plan to minimize such problems.1,4
Explain the legal structure chosen for the practice and why it is the most advantageous option for the business. Describe any licenses, permits and legal agreements necessary for operation, such as a collaborative practice agreement.1,4
The practice location may be included in this section or in the marketing plan. When decisions are made about where to locate the practice, consider accessibility to patients and the target market. Location is crucial, and serious consideration must be given to disability laws, laboratory options and fire issues, as well as overall size and space. A poorly planned location can impact practice income potential.1,4
A good practice description will include the physical address, square footage, accessibility and business hours. Include lease agreements. If owned, include the property value. Also mention anticipated costs such as utilities, improvements, furniture and equipment.
The Marketing Plan. Marketing is essential for successful business ventures. The key elements of a marketing plan are an explanation of customers' likes and dislikes and a marketing strategy that targets their needs.
The marketing plan identifies customers by demographics (e.g., age, sex, income, educational level and residence), psychographics (i.e., where the patient pool typically obtains services and how they spend their income) and niche markets (i.e., potential patient groups the practice might tailor a specific service to, such as women, elders or a specific ethnic group).4 Market analysis may also include survey data from target markets to examine the feasibility of success.
The marketing plan examines competitors as well. Assess competitors by looking at their success, fee structures and unique services. Periodically examining a competitor's promotional materials, pricing strategies and where they advertise is important, too. Give careful consideration to the type and level of advertising planned, and whether or not to hire an advertising firm.4
The Financial Plan. Each year thousands of potentially successful businesses fail because of poor financial management. How finances are managed is critical to every business venture. As a practice owner, it is important to identify and implement policies that will ensure financial obligations are met. Experts often advise consultation with a financial adviser or accountant as this section of the business plan is developed.1,2,4
The financial section of the business plan includes any loan applications filed, a capital equipment and supply list, a balance sheet, a breakeven analysis, profit and loss income projections and a cash flow analysis. The income statement and cash flow projections should include a 3-year summary detailed by month for the first year, and detailed by quarter for the following 2 years.4
Include the accounting and inventory system planned for the practice in the financial plan. Devise a realistic budget to manage finances by determining up front the amount of money needed to open the practice (i.e., start-up costs) and the amount needed to keep the practice open (i.e., operating costs).4
The Management Plan. Managing a practice requires more than just a desire to be the boss. Employees play an important role in the total operation of a practice. Owners must assess what skills they possess and lack, and hire personnel to cover their shortcomings. Additionally, it is imperative to know how to manage and treat employees. Employees should be viewed as team members. They often have excellent ideas that can lead to expanded markets, innovations to existing services, and new services that can improve the practice's overall competitiveness.4
The management plan answers questions such as how will the owner's background and business experience help this particular business? What are the owner's weaknesses and how can they be compensated for? Who will comprise the management team and what are their strengths and weaknesses? What are the management team's duties and are they clearly defined? What are the current personnel needs of the practice and what plans are there for hiring and training personnel? The management plan also outlines proposed salaries, benefits, vacations and holidays.4
The management plan, combined with the marketing and financial management plans, sets the foundation and facilitates the success of the practice.
The Executive Summary
The executive summary is about two pages long, appears after the cover page and table of contents, and is written last after practice concepts are well developed and all of the financial data is complete.2
The executive summary is essentially a concise statement about the practice and includes information about the owner, the proposed practice and plans for the practice. If the business plan is being used to seek funding, the executive summary should include the amount and purpose of the funding, justify the feasibility of the business plan for the lender, and provide a repayment statement.2
The executive summary is a summation of the business plan, and the rest of the business plan must back up what it presents.2
Packaging the Business Plan
A well-written business plan takes thought and work. It is important to present the plan in a well-organized manner. The table accompanying this article lists the contents of the finished plan. Contents may vary depending on the complexity of the business plan. The plan, however, should be complete, concise, and well thought out. While fill-in-the-blank software programs are available, potential lenders usually recognize generic statements and financial projections that come from a specific piece of software. Using it may send a message that tailored planning has not occurred and the unique aspects of the practice have not been thoroughly considered.2
Use a nice cover to bind the document. A three-ring binder allows for easy additions, updates and replacements. Use a blue, brown or black cover, since lenders are usually conservative.
Be concise and limit the plan to 25 to 40 pages, including supporting documents. Potential lenders do not want to search through volumes of data to get to the information they need.2
It is not necessary to hire a professional word processing service unless the writer lacks the skill to make a presentable document. Paying for frills could be construed as frivolous by some lenders. Also, include a table of contents and make a copy for each lender to be approached. If the loan is refused, try to retrieve the business plan.2 Analyze the weaknesses that prevented successful funding and revise the plan. Perseverance is essential for obtaining funding and operating a successful practice.
Finally, when the plan is complete, use it as a guide for practice operations, to anticipate changes, and to keep up to date.2
Sally Reel, a family nurse practitioner with a PhD in nursing, is a clinical professor and coordinator of the nurse practitioner programs at the University of Arizona in Tucson.
References 1. Buppert C. Nurse Practitioner's Business Practice & Legal Guide. Gaithersburg, Md.: Aspen Publishers; 1999. 2. Pinson L. Anatomy of a Business Plan, 5th Ed. Chicago: Dearborn Trade Books; 2002. 3. Small Business Administration. First Steps: How to Start a Small Business. 2002. Available online at: http://www.sba.gov/starting/indexsteps.html. 4. Small Business Administration. Business Plan Outline. 2002. Available online at: http://www.sba.gov/starting/indexbusplans.html.
Sample Outline of a Business Plan
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Jet Ski Wars At Teahupo'o. Photo: Domenic Mosqueira
With the amount of Jet Skis and testosterone buzzing around Teahupo'o during last week's swell, you could've assembled a navy that would match Uruguay's in any ocean-born conflict. The photos made it look like war — an army of crews fighting to gain the same blue territory. And while most of us struggle with getting an average wave at Lowers on a crowded day, we can hardly fathom how to safely squeeze one from last week's motorized crowd in Tahiti. Peter Mel, the 2013 champ of Mav's and your favorite webcast announcer, breaks down how to battle and when it's time to wave the white flag. –Brendan Buckley
PETER MEL: Last week's swell was somewhat chaotic and very dangerous at times. When a set would come in, everybody would stand up at the same time and sort of jockey for position. Whoever was in the best spot, depending on who they were, usually got the wave. There was no, "Hey, you go!" or any communication like that. It all boiled down to knowing who's who and being able to make decisions based off of that.
Basically, the Tahitians had priority no matter what. They had full reign over whatever wave they wanted, and rightfully so. It seemed like the Hawaiians were next in line, then everyone else was kind of below that. You had to play a little bit of hardball to get waves but it was basically like how it works at any other surf spot. The locals are up first and if they want the wave, they're going to end up with it. For example, if you're going for a wave and a guy like Manoa Drollet is going for it too, and he's not looking back to see if you're going, you just know that you have to back out. It was known that that's how it was going to work. I didn't actually talk to anybody about it, but it seemed like it was just understood. The hierarchy is by virtue of who you are, where you live and how much time you've spent there. It's just like surfing Pipeline or anywhere else, really. The fact that you're towing in doesn't really change the way things work.
For front-row seats to a duel between Chas Smith and Brendan Buckley, click here and watch them quarrel over Laird Hamilton's recent crowd-bashing comments on TMZ.