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Awww, Jordan looks sad I know she's accepted it, but man I feel for her.
Awww, Jordan looks sad I know she's accepted it, but man I feel for her.
I hate when the cops throw me in the back of the squad car ....like they didnt hear me call shotgun.
Boy (n) : Noise with dirt on it.
Pfft...Jordan's not playing properly. Didn't see the way a person on the way out is supposed to act? Kalia, Dani and Shelly had right down pat there are no excuses for Jordan.
Jordan is supposed to pout, then cry hysterically, slow down to a sob, claim it's unfair, make up glorious game moves to prove her worthiness, point fingers at "floaters" and then bully people into making a "big move".
Hasn't she been paying attention? There's no room for class on BB!! Get it together Jordan.
Rachel telling them that her "good" behavior will last another 7 days. This after Adam guesses 7 hours.
The cure for boredom is curiosity. There is no cure for curiosity. Dorothy Parker, (attributed)
They are gathering in the HOH as helpful Rachel washes the dishes. Porsche lies on the bed next to the disc player and puts on the headphones. Making herself right at home. I hope Rachel does get a chance to talk to Adam like Jordan told her.
The cure for boredom is curiosity. There is no cure for curiosity. Dorothy Parker, (attributed)
I can't watch the feeds, feel so bad for Jordan!! She is a good sport about leaving!!
it breaks my heart to see jordan in the HOH room looking so sad.rachael should be by her side not porshes there is no gain at this point to desert her for all the a** kissing she doing to porshe.fair weather friend.i would love to see porshe pull a fast one on rachael.the early rachael is back and it dont look good on her.too bad adam didnt win the veto or the scenario would be so much different.
The a** kissing was a parody a joke on the process. All three, Rachel, Adam, Porsche were laughing about it, not taking it seriously.
The cure for boredom is curiosity. There is no cure for curiosity. Dorothy Parker, (attributed)
So glad Jordan and Rachel told each other they the otheer ones votes to win. I am sorry J looks sad. Maybe Porsche will not use the veto. Can they convince her not to us it and J will vote out R because of all the competitions she won? FINGERS CROSSED
FYI - Jordan knows that Rachel is "working it" and isn't upset. When she & R were talking earlier, R told J that she needed to go out to the kitchen to be social (b/c they'd been talking for a bit after they were woken up) and J said "yeah, yeah, go" and didn't feel badly about it at all. She wants R to get to the final 3 whichever way she can.
"We must overcome the notion that we must be regular...it robs you of the chance to be extraordinary and leads you to the mediocre." - Uta Hagen
I dont want my pain erased! As wretched as it is, I need my pain It makes me who I am. It makes me Grumpy. - Grumpy, Once Upon a Time


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N'FINITY PRO wine cellars made simple. Professional quality for the home introducing our n'finity pro series. Look beyond the stylish exterior, innovative shelving, cool blue LED lighting and infinite versatility. It's the perfect time to step up to N'finity pro. N'finity pro's advanced technology: reduces vibration leaves sediment undisturbed & a more balanced taste, reduces noise you barely know it's there, increases energy efficiency up to 40% more efficient than similar sized models, extends life span professional grade components.
- Capacity: Up to 46 bottles
- Smooth-rolling, wood-front wire shelves
- Dual zone digital temperature control
- Cool blue LED interior lights
- Choose the door to fit your decor

subset: commoncrawl


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Makeup by Kay Montano
It was chaos yesterday at Harrods department store in London as Claudia Schiffer launched Alberta Ferretti's signature fragrance. Claudia is having quite the renaissance lately fronting a number of campaigns and hitting covergirl status again, some 22 years after her debut as the original baby Bardot. She's more gorgeous now than she ever was…
Base – Chanel Vitalumiere in Clair 20
Concealer – Laura Mercier Secret Camouflage SC-3
Powder – Jurlique Rose scented powder brushed onto T-zone
Blush – Bobbi Brown Nectar blush brushed onto apples of cheeks
Eyes – Chanel Ambre eye pencil smudged in a wide line next to lashes to create depth
– Chanel Smoky Eyes palette – the darkest grey from this softly blended under eye and into crease, and swept outwards into a soft and wide, well blended 'tick' shape
– Bobbi Brown Black Ink gel eyeliner painted onto base of eyelashes
– Chanel Exceptionnel mascara in black
Lips – Bobbi Brown Blush lipliner
Bobbi Brown Rich Color Gloss in Pink Raspberry


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Marginal likelihood calculation for the Gelfand–Dey and Chib methods
A trade-off exists between the Gelfand and Dey (1994) and Chib (1995) methods to calculate the marginal likelihood in Bayesian estimation. Using the Markov Chain Monte Carlo method, we demonstrate that the performance of the two methods is fairly close.
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As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 115 (2012)
Issue (Month): 2 ()
Pages: 200-203
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| Web page: http://www.elsevier.com/locate/ecolet
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Chun Liu & John M. Maheu, 2008.
"Are There Structural Breaks in Realized Volatility?,"
Journal of Financial Econometrics,
Society for Financial Econometrics, vol. 6(3), pages 326-360, Summer.
- Chun Liu & John M Maheu, 2007. "Are there Structural Breaks in Realized Volatility?," Working Papers tecipa-304, University of Toronto, Department of Economics.
- Torben G. Andersen & Tim Bollerslev & Francis X. Diebold, 2007. "Roughing It Up: Including Jump Components in the Measurement, Modeling, and Forecasting of Return Volatility," The Review of Economics and Statistics, MIT Press, vol. 89(4), pages 701-720, November.
- Torben G. Andersen & Tim Bollerslev & Francis X. Diebold, 2005. "Roughing it Up: Including Jump Components in the Measurement, Modeling and Forecasting of Return Volatility," NBER Working Papers 11775, National Bureau of Economic Research, Inc.
- Torben G. Andersen & Tim Bollerslev & Francis X. Diebold, 2007. "Roughing It Up: Including Jump Components in the Measurement, Modeling and Forecasting of Return Volatility," CREATES Research Papers 2007-18, Department of Economics and Business Economics, Aarhus University.
- John Geweke, 1999. "Using simulation methods for bayesian econometric models: inference, development,and communication," Econometric Reviews, Taylor & Francis Journals, vol. 18(1), pages 1-73.
- John F. Geweke, 1998. "Using simulation methods for Bayesian econometric models: inference, development, and communication," Staff Report 249, Federal Reserve Bank of Minneapolis.
- Chib, Siddhartha, 1998. "Estimation and comparison of multiple change-point models," Journal of Econometrics, Elsevier, vol. 86(2), pages 221-241, June.
- Fulvio Corsi, 2009. "A Simple Approximate Long-Memory Model of Realized Volatility," Journal of Financial Econometrics, Society for Financial Econometrics, vol. 7(2), pages 174-196, Spring. Full references (including those not matched with items on IDEAS)
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"Well, serves you right, so be gone long. Even though I was wet for you ask." I said jokingly. "My favorite such a tease. Wait till I get you all to myself, that we see who torments." he replied in a voice deep and hoarse, the promise of sweet torture instead. "Mmmmm ... I can not wait." The opportunities that were rampant in my head! "Baby, I need to go, we are preparing the ground to catch the connecting flight back home." "Well ... I see you when you get home." "Baby Luv ya. Keep warm for me." He hung up before I had a chance to respond. Cumlouder Forum
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CD Projekt RED - Respecting Fans
Gamasutra has a very short article explaining on how CD Projekt RED respects it's fans while growing larger.
How do you keep yourself growing slowly and sustainably, rather than getting ahead of yourself?
MI: That's actually a very good question, because there are a lot of companies which run like crazy into different directions, some of them big, some of them small. We've made some mistakes like that before. We were doing a lot of things. We were expanding our distribution. We had some more stuff... there was the Rise of the White Wolf project, which didn't work out for us.
[Ed. note: Rise of the White Wolf is a cancelled version of the original Witcher for PlayStation 3 and Xbox 360.]
But I think the important thing is we are learning. What we've definitely learned throughout the last 20 years is that we have to focus. We focus on what we do best, and what we do best is tell stories in big, epic, mature dark fantasy settings -- or in the case of Cyberpunk, futuristic settings. But this is the thing we have to focus on. You will not see from us a lot of diverse stuff. We will not suddenly start making racing games, because I do not think that is where our strength is.
At the end of the day, what really matters is the experience which you are having with the game when it's out. And this is the one unique moment which defines us. If it's an average experience, pretty much what we are doing every day doesn't make sense.
For a lot of companies, from a short-term business perspective, the famous hit-and-run strategy, there are still a lot of people applying this. And sometimes it works! And then they are probably telling [other companies about] what they do. I just don't think it's [the way we should run our business]. So we are really deliberately choosing what we want to do, and we will do it for as long as we are happy with the effect.
Hence, for example, The Witcher 1, and the Witcher 1 Enhanced Edition, and The Witcher 2 and Witcher 2 Enhanced Edition, which for the PC players was all for free, because we think we could have done better, and here it is.
And they appreciate it. Then they tell their friends we are doing a good job and we respect them. And ultimately it will result in a sale. Some people are saying, "Why do you do that? You could have charged for it!" Yeah. But I think the value in the whole proposition is that we are honest, straightforward, and fair, and this pays back. So you can call it a business model, in a way.
Source: Gamasutra


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Complaint Review: Nrgize Lifestyle Cafe franchised by Kahala Corporation
- Nrgize Lifestyle Cafe franchised by Kahala Corporation
Kahala Headquarters 9311 E. Via De Ventura
Scottsdale , Arizona
- Phone: (480) 362-4800
- Web: www.nrgizejuice.com/
- Category: Specialty Stores
Nrgize Lifestyle Cafe franchised by Kahala Corporation WARNING DO NOT BUY THIS FRANCHISE!They will not show you real earnings the training location makes a good deal of their earnings from training not actual sales!We bought a franchise from Kahala corp for a new location in Mesa Az for 135K. We ran into pr Warning! Do Not Franchise Nrgize Lifestyle Cafe Scottsdale, Arizona
*Consumer Comment: La Fitness scam
*Author of original report: aspartame Hidden dangers
We bought a franchise from Kahala Corporation in a newly constructed LA Fitness for 135K. We had probems right away with the Staff. They were already bonded to One Stop Nutrition who had opened two months prior to our opening. The inexperienced revolving door training staff would wear One Stop t-shirts, pass out their coupons. They also drank One Stop Water and smoothies. I complained that it was a breech of contract to promote an outside competitor while I pay royalties and rent to LA Fitness.
I asked the trainers to have loyalty to the inside business and their response was, "If I could give them free merchandise then they would stop". I told them I could not afford to give them free, but I could do at cost if they would stop promoting an outside competitor.
I compained to Kahala and LA Fitness corporate with no resolution. How could I gather member loyalty if the staff would not, I was in a no win situation. [continued below]....
I hired Coyote Cheerleaders thinking perhaps they would be loyal with attractive staff, all that accomplished was harassment from the trainers towards my staff. Again I complained to Kahala and LA Fitness, nothing happened and they considered me a complainer!
To make matters worse Kahala autherized Cold Stone ice cream another one of it's franchises to sell Nrgize smoothies. My contract stated that another Nrgize could not be sold within a 5 mile radius, but Cold Stone was across the parking lot another breech of contract. I could write a novel on the unethical behaviour I witnessed at LA Fitness and the lack of concern by Kahala their only concern was rent and royaly payment.
I was duped by the earnings of the training location, most of their earings are from training new franchisees not actual earnings! DO NO INVEST IN THIS FRANCHISE!
Does your business have a bad reputation?Corporate Advocacy Program™Fix it the right way.
Set the record straight:Arbitration Program
This report was posted on Ripoff Report on 03/25/2014 11:44 PM and is a permanent record located here: http://www.ripoffreport.com/reports/nrgize-lifestyle-cafe-franchised-by-kahala-corporation/scottsdale-arizona/nrgize-lifestyle-cafe-franchised-by-kahala-corporation-warning-do-not-buy-this-franchise-1133678. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
If you would like to see more Rip-off Reports on this company/individual, search here:
#1 Consumer Comment
La Fitness scam
AUTHOR: Mike - (USA)
SUBMITTED: Thursday, July 09, 2015POSTED: Thursday, July 09, 2015
sorry to hear about your issues with the companies. We own 3 of these places located inside LA Fitness and we face the same issues just like you do on a daily basis. It's gotten so bad that local supplement stores are literaly advertising inside our places, setting up booths, giving out free shirts to the la staff to wear instead of their work uniforms(even the customers made comments about this) and LA Fitness does NOT care at all. All they care about is their money and once they get it, that's all that matter to them. we tried to talk to everyone from LA Fitness corporate to solve the issue which should be of their interest(since they are getting paid for this) but they just kept ignoring us. Our sales we really good when the LA Fitness employees weren't connected in a business way with supplement stores next door to our locations but that was only the first couple of years. We've had our stores for many years and it's getting worse every month. We've calculated that the monthly loses per location are over $5.000 gross. there is simply NO solution for our issues with their employees because the company is ran by very unproffesional people. There's been cases when LA Fitness employees were sending us anonimous letters to scare us, also numerous times they've been caught stealing products from our coolers and none of that resulted in terminating these employees.
It's more than obvious that LA Fitness is a joke if they can't control their own employees. We had plenty of conversations with their managers, vice presidents and so on and again NOTHING changed. Btw it only gets worse, it got to the point that a couple of their managers "worked" at one of these nutrition places next door to the gym while being employed by LA fitness and as you can imagine most of our customers left us. We also tried to feed the la fitness staff and that didn't change anything but it increased our expenses. It's funny and sad but when we cut out the freebies since it produced no results and they kept promoting the next door stores, we had a series of "roid" rage scenes from their staff at our counters even in front of our customers, we kept most of the surveillance tapes from these "situations" in case we decide to take them to court one day.
Oh, I almost forgot, if you start advertising outside the gym you have a better chance of making loyal customers since the LA staff can't really talk to them, which is what we've being doing lately. The 2 of our juice bars are doing way better using the outside advertising to bring business but the third location, we face real problems bringing people in because of the operations manager who is there 9am-5pm. He is a real piece of work, he openly reminds us that he is "the KING" as calls himself and openly states that he "would do anything possible to shut us down because he doesn't like the idea of having an outside business inside "his" business" as he claims it to be. At first we thought he has a personal problem with us but later on we realized that he has some kind of mental disorder which involves a strong behaviour of showing how powerful and mighty he is. That same manager also has a side income like the others as he had told us with no regret, a local nutrition store pays him 5% on all of the business he brings to them. If LA fitness employee tells you to pay them so they can stop "working" with others please don't do it, they won't stop, instead they will collect from both of you while you will be paying LA fitness corporate to have an "exclusivity" as they call it inside their clubs.
Last year a lawyer(he said that he also purchased a juice bar insdie LA) who reached out to almost everyone of the juice bar owners(previous/recent) as he told us and he wanted to know our experience with the company. We've talked for over 4 hrs and explained him our issues(way more than the ones mentioned here) with the company, he said that he's been in touch with most of the owners of these juice bars and ALL of them reported the same issues.
I know it sounds crazy but there's not A SINGLE thing that LA Fitness does right and the only reason we still operate is because we've borrowed $500.000 from the bank thinking it will be a good idea to run a turn key franchise business inside the gym. The moment we pay it off is when we'll take our business elsewhere(anywhere just outside the gym), until then our whole family will continue to work for FREE to get through this. I feel really bad for any future owner that might decide to open a juice bar inside LA fitness.
#2 Author of original report
aspartame Hidden dangers
AUTHOR: Nrgize Lifestyle Cafe Rip Off Non support from Kahala Corp - ()
SUBMITTED: Tuesday, March 25, 2014POSTED: Tuesday, March 25, 2014
Aspartame is the sweetner used in Nrgize smoothies. I would advise doing research on this sweetner if you're consuming on a daily basis.
ZipBooks Accounting Software
Advertisers above have met our
strict standards for business conduct.


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The Big Green Cardigan is all about enjoyment of the event, the music and respect for musicians, audience and the environment. There aren't masses of rules and regulations planned for this one so you can chill and enjoy the festival site with its fabulous views across the East Sussex countryside.
This is a small festival where intimacy is the vibe and not the big and brash. There will be early morning yoga, films, a late night cafe with a few surprises in between.There will be lots of music, no distinctive style, the theme is it there is no theme - any style is possible from Acoustic to Bluegrass to jazz - real music, real musicians, no tribute acts no Karaoke artist.
This festival is for over 18's only


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Chris is a young porn star who wants to experience death at someone else's hand; Mason has lurid fantasies about members of British pop bands; Sniffles is a teenage runaway whose need for love outweighs his attachment to life. Courtesy of a frankly manipulative author/narrator named Dennis, these characters and more move through a subterranean Los Angeles where hallucination and reality, sex and suicide, love and indifference run together in terrifying ways. Guide,… (more)
Publisher: Grove Press (December 01, 2007)
Collection: Cooper, Dennis
Format: EPUB
Page count: 192 pages
Protection: DRM
Language: English


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Eddie Bauer Outlet
Eddie Bauer was the founder of the modern day store that bares his name. Bauer was an avid outdoors man who was interested in hunting and fishing. It was this love of the outdoors that would lead him into the business of outdoor equipment and clothing.
Regular Eddie Bauer stores come in two flavors, sportswear and home. The sportswear stores offer outdoor apparel and accessories and the home stores offer home furnishings and decor.
In an Eddie Bauer store you will find the brands signature outerwear including world class mountaineering equipment.
Eddie Bauer have an extensive mens outerwear range, popular items include the Friday Harbor Jacket to beat the elements. Bauer pride themselves on men's down outerwear such as jackets and vests which use goose down. You can find all manner of baselayers and inulating clothing for moutaineering. As well as clothing to match the elements you will also find casual outerwear.
Eddie Bauer also stock a whole range of mens casual clothing, from shirts, classic polos, sweaters, jeans, pants to swimwear, sleepwear, underwear and active and sportwear. Usually with the signature rugged outdoor style that they are synonymous with.
Women are not forgotten either, you will find full range of sizes from petite to plus sizes. Bauer offer comfy and casual outerwear for women. Tees and tops, jeans, swimwear, dresses skirts, even handbags and accessories.
The stores also stock a wide range of shoes and accessories including hats, gloves, hiking and trail equipment as well as fahionable shoes, loafers and boots.
Eddie Bauer Outlet information
Eddie Bauer have about 430 regular stores in the USA and to clear extra stock they have approximately 52 outlet stores.
Eddie Bauer end of season clearance sales are rumoured to have savings of up to 70%, massive savings which are not seen often in outlet stores. The quality and selections are good. Look out for sales, coupons and internet deals.


text:
Social Question
Is it wrong to let your toddler girl run around the yard topless?
I figure that she doesn't have anything to show. She's physically identical to a toddler boy. I think it's OK to let her run around topless when it's hot. One of my neighbors acts a bit aghast that I'd do so.
One of her kids told me that someone was going to take my daughter away if I continued to let her go topless in the yard. I don't know if she meant that a pedophile was going to abduct her or that a social worker was going to come and take her away for endangerment or neglect. It's obvious that my neighbors have been talking around their kids about their distaste for having a half naked baby girl running in the yard.
So. Am I wrong to let her run around topless? I didn't wear tops until I was about 4 on a regular basis, but I lived on a farm out in the middle of nowhere. I could be out of date and out of place in my beliefs.


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In the UK, and Europe in general, the name of the game for Vodafone is cost cutting and centralisation. In an interview on Sky News, Vodafone CEO Arun Sarin gave the impression of tough times ahead in the UK, suggesting that consumers are tightening their belts amid the gloom around the housing market and the wider economy.
Everywhere you look there is evidence of cost cutting and improving efficiency at the operator. Mobile reported last month that Vodafone's UK marketing chief role has been removed, with an impending move for the incumbent, Tim Yates. The operator's brand marketing has been moved to Ireland, taking a team of 20 to Dublin in what is believed to give the company a major tax break.
Ian Shepherd has been brought back into the UK as consumer director after a period as business development director, and bigger changes in the UK are believed to be afoot, with more announcements due soon.
Vodafone has also made attempts at running its property more efficiently. Last week, Mobile reported yet another example of property consolidation; Vodafone will open a new call centre in Stoke-On-Trent, with the aim of moving its staff closer together and making significant cost savings.
Last month the operator announced it would close its flagship office in Theale, with 300 employees moving to the HQ in Newbury.
Three areas of business will have local autonomy clipped in the move to pan-European management. The first and second are handsets and supply chain, third is technology.Tax savings from handset buyingAll handsets will now be bought out of Luxembourg, instead of each country's handset buyer negotiating with manufacturers. The obvious economies of scale case has been presented, although some fear local market needs will be undermined.
One of the main benefits, again, is tax savings from running the handset purchasing from Luxembourg.
Local bosses will still have some clout. But Vodafone's UK handset buyer, Chris Edwards (who now has a senior group role), will no longer report to consumer director Craig Tillotson. Instead, Edwards will report to the Group's main handset buyer, Jens Schulte-Bockum.
Tillotson has now been moved into group marketing, although a title has yet to be finalised.Network outsourced or sharedThe other casualty from the move to a more centralised structure is the technology team. Technology used to be the soul of the company, with large numbers of people employed in each country. The Group CTO now has overall control with less autonomy for the regions.
In the background are the changes Vodafone has conducted in order to be leaner in terms of its technology. It has outsourced its networks to Ericsson and its IT systems to EDS. It also tried to save millions by entering a network share arrangement with rival Orange.
The very fact that Vodafone initiated network sharing, however, appeared to reveal an admission that Vodafone is no longer a technology company.
Remember the 'best network bar none' campaign? By removing the strength of its network as a competitive advantage, Vodafone believes there is more to be
gained by cutting the huge costs of managing a mobile phone network.
Similar network share deals have been struck in other markets, or managing the network has been completely out-sourced.
Remaining responsibilities for Vodafone's in-house technology team is planning the network capacity, and the strategic planning of new services and convergence of fixed-line and mobile.
There is also speculation internally that Vodafone will even try to bring some elements of its online and business sales operations into more of a centrally run, pan-European office.
A senior Vodafone source said: 'There is certainly a lot of local importance needed for both enterprise (b2b) and online sales in terms of promotions and offers, but there is a big feeling here that there is a lot of duplication in our individual Opcos (country markets) so it would make sense for one country to lead things, and we could even out-source more aspects such as logistics and fulfilment.'Growth from emerging marketsThe changes were seen as necessary by senior figures internally. 'We had to break it up to become leaner and meaner when we're staring at new competitors in the market and growth is slowing [in Europe],' said the Vodafone source.
With the developed markets becoming less lucrative, Sarin said that most of the growth for Vodafone is likely to come from emerging markets.
He said it was 'no mean feat' that the UK business was growing at 6% per year. However, then he added that the Indian market is growing at 50%, Turkey and Egypt at 30% and the US at around 15%. There is talk that Vodafone is now looking at Africa, particularly west Africa and some other parts of Asia.
A land-grab is taking place in new markets where millions of consumers are contemplating using a mobile phone for the first time.
With so much at stake, Vodafone's highly-rated enterprise director Kyle Whitehill, was given a huge promotion to COO of Vodafone Essar – the operator's business in India.
Whitehill will be missed in the UK, but he is known to have been 'itching for a bigger job for some time', according to a well-placed source.
'It will suit Kyle. It's seat of the pants stuff out there right now,' said another source, referring to the phenomenal rate of growth in the Indian market, with six million new customers per month.New battle for mobile advertising
So what is Vodafone now if it's not a technology provider? Like all operators it loathes the idea of being a utility company with nothing more than pipes. Vodafone wants to position itself to pick up the riches many believe lie in waiting from mobile advertising.
The company wants to become more of a media company, but it is aware that it can't compete on the innovation stakes with the likes of Google and Yahoo!
Despite the fear towards Yahoo! and Google from virtually every big mobile company, Vodafone executives feel they enjoy a closeness to its customers that internet companies don't.
Operators have 'mind-blowing information' on customers. The potential of taking that information to advertisers is seen as a major asset that Google and Yahoo! don't have.
Vodafone, however, has been overly conscious of moving quickly in the past. The company is still kicking itself for its relatively slow response to moving into the MVNO market, estimated to be worth £5bn across Europe. Senior figures believe the company offered an open goal to rivals throughout its European markets, such as O2 in the UK, KPN in Holland and T-Mobile in Germany scoop up lots of profitable wholesale deals.
There is considerable uncertainty in the market, but Vodafone is clear on two things: it needs to cut costs, and be ahead of a growing group of competitors to capture new sources of income.Network share saves less than expectedVodafone and Orange agreed on a joint venture of their combined network assets in February last year. The deal would have saved the two companies significant sums of money, as well as give them an advantage over their competitors in rolling out high-speed data networks faster.
However, the ambitious plans have recently hit the rocks,
Mobile Industry Awards 2017 - B2B & Distribution Finalists
Mobile Industry Awards 2017 – Retail Finalists announced
Mobile Industry Awards 2017 - Best Ruggedised Device
Nazish Dossa Joins Brighstar as UK Managing Director.
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From the Co-Editor
Louis F. Rose, DDS, MD
Dear Readers,
Oral health research is critical to the advancement of the dental profession. Raising the standard of care to the next level is a ceaseless endeavor—when we reach the next pinnacle, we set our sights even higher. Consequently, our services have become more comprehensive and more intricate. Shorter chairtime, better esthetics, and less surgical pain are just some of the aspects that our patients notice and appreciate about modern dentistry. Part of Compendium's mission is to help you craft your patient care.Our first continuing education (CE) article is the second part of a discussion about curing lights. Significant changes in light-curing units and curing modes have occurred recently, and the authors provide an update on the clinical issues that should be considered while curing resin-based composite restorations. Our second CE article examines another aspect of patient care by looking at the recently approved narcotic analgesic tapentadol. While it appears to demonstrate a somewhat lower incidence of nausea and constipation than oxycodone 10 mg to 15 mg, its analgesic efficacy in acute postsurgical dental pain is inferior to ibuprofen 400 mg. The authors note that it should not be used as a first-line analgesic for postsurgical dental pain but possibly as an "add-on" medication when optimal doses of ibuprofen or acetaminophen are not adequate for pain relief. Our Global Health Through Oral Health article highlights an innovative program designed to help address children's health. This program, implemented in schools in the Philippines and recognized with a Shils Fund award, integrates evidence-based interventions for both oral and overall pediatric health.
The author suggests this program may be easily adaptable for high-income countries, such as the US.In this issue's Research Update article, the authors present their findings as a means to stimulate discussion on selecting patient populations for clinical research. They maintain that patient populations with realistic plaque and gingivitis scores should be used and their study, based in China, illustrates the selection process to obtain the realistic mean plaque and gingivitis scores in the general population. I hope you enjoy this issue of Compendium. Please visit http://www.compendiumlive.com to take CE courses and read both current and archived issues. I welcome your comments and suggestions: I can be reached at email@example.com. Thank you for your continuing support.
Louis F. Rose, DDS, MD


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TOKYO (Reuters) - Toyota Motor Corp plans to begin building and selling a hybrid version of its Camry sedan in China in 2010 in anticipation of growing demand for environmentally friendly vehicles, the Nikkei business daily reported on Tuesday.
Toyota, which leads the auto industry in gasoline-electric hybrid technology, is rapidly ramping up production of the fuel-efficient vehicles to meet growing demand as consumers look to save cash at the pump amid record-high fuel prices.
The company's latest move comes as the Chinese government, which recently boosted gasoline prices, considers giving preferential tax treatment to eco-friendly cars, the paper said.
A Toyota spokesman declined to comment on the report. Its shares gained 1.2 percent to 5,070 yen as of 0412 GMT, despite a rating cut by Nomura Securities to "reduce" from "neutral".
The newspaper said Toyota plans to manufacture 10,000 cars per year in the southern Chinese province of Guangdong as part of its joint venture with Guangzhou Automobile Group Co.
It said Toyota will first produce the gasoline-powered Camry at the Guangzhou plant's second line in 2009, and will add the hybrid version the following year.
The company has been assembling the hybrid-only Prius cars in China, but the number has been small. Of the 430,000 hybrid vehicles Toyota built last year, only 320 were produced there.
In June, Toyota said it will start assembling Camry hybrid cars in Thailand and Australia over the next two years, adding to the current overseas production bases of China and the United States.
But Takeshi Uchiyamada, executive vice president in charge of manufacturing at Toyota, later told Reuters in an interview that the company will continue to build most of its hybrid cars in Japan due to the difficulty of making key components abroad.
Reporting by Sachi Izumi and Phil Wahba; Editing by Michael Watson and Chris Gallagher


text: > > > As I read more and more about Hurd.. I still can't stop thinking > > > "WHY?".. in a couple hundred more revisions.. the Linux kernel may well > > > come close to being a microkernel. What are the clear cut benefits? > > > (Just a few simple lines please.. no dissertations.. I'd as a professor > > > of computer science for that...) > > > > There is a grand old discussion archived on KDE's web site at > > http://www.kde.org/food/linux_is_obsolete.html > > > > That's the one with Linus and the guy who created Minix right? I think > I read through that old news archive about 2 years ago.. it came > included on the Slackware CD release I had at the time. > > Cute.. funny.. but it didn't really answer any of the questions as to > WHY. Is there a speed increase? Is there a security increase? > Stability? Power? What? It does answer those questions. According to the people who know (which excludes me), the monolithic kernel is arguably faster and much easier to program. The microkernel is supposedly more modular and more portable. The discussion is each side debunking other. Paul Serice -- TO UNSUBSCRIBE FROM THIS MAILING LIST: e-mail the word "unsubscribe" to firstname.lastname@example.com . Trouble? e-mail to email@example.com .


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A little more than a year ago, American Well was still waiting for its first customer to launch its Web-based system, which enables real-time interactions between patients and doctors over the Internet. Then on January 15, 2009, after much anticipation, the system went live for the Hawaii Medical Service Association, the Hawaii franchise of Blue Cross Blue Shield.. It's a day that American Well CEO Roy Schoenberg recalls fondly, the day when the now 4-year-old firm's vision of online healthcare became a reality.
I spoke to Schoenberg at length last week to find out what his firm had learned about how patients use the 90-employee company's technology, and also to get a preview of what's in store for the firm and online healthcare in 2010. In general, the company's well-greased PR machine has been very careful about when, what, where it shares information about its operations and the use of its technology. (And in large part due to the novelty of patients seeking care online, there have been no shortage of stories about American Well and its exploits.) But Schoenberg shared some interesting tidbits about where the company is headed that, while general in nature, provided a glimpse at what to expect in the year ahead.
To quickly recap the American Well story, the company made a big splash back in June 2008 when it announced that it had landed its first deal with the group in Hawaii and struck an agreement with Microsoft to integrate American Well's system with Microsoft HealthVault, the online personal health records system. The company has since sold its system to the Blue Cross Blue Shield of Minnesota; OptumHealth, a unit of private health insurance giant UnitedHealth Group (NYSE:UNH); and then TriWest Healthcare Alliance, a Phoenix-based health plan for military personnel and their families. While four health plans isn't many customers, Schoenberg has argued that his firm has found adopters of its system at an exceptional rate in the context of the healthcare industry, which often lags others in the implementation of new technology. (The CEO made this case last June in an interview with Wade.)
With the system in use for just over a year, Schoenberg has a wealth of information about the practice of online care. In fact, he dropped a few interesting facts about the use of online care during our interview: the majority of patients that have used the firm's system have been women; slightly more than 50 percent of the online doctor visits are consults for allergies, aches, colds, and other routine ailments; and physicians from some 23 medical specialties are providing care on the system, to name a few things. Though the CEO declined to share traffic figures for the company's system, he said that there are now hundreds of physicians offering treatment to tens of thousands of regular patient users of the online care platform.
I've saved what I view as the most interesting info from my talk with Schoenberg in the following Q&A.
Xconomy: How does American Well plan to further integrate its technology into the healthcare system this year?
Roy Schoenberg: One thing that has been illuminating to us is the fact that we originally thought that the system was going to be used for medical care proper. And we now see that the system is being used in behavioral health, for example, which we never envisioned. TriWest is using the system for behavioral health. I know that UnitedHealth [via OptumHealth] is going to try it as well on their system. We're seeing applicability of the system in other areas, such as the use of the system to project additional services into the retail pharmacy. That is something you are going to see in 2010. And there are other areas such as use of the system in care management.
What is also true is that all these things are going to have an impact on what we do in 2010. We are no longer at the point where we are developing on whiteboards. This is a very real system that has a lot of traffic that enables us to learn and extend it in places where the use shows us there is value. We have very ambitious plans for expanding the application of online care immediately in 2010. One of these areas is the introduction of a team version of the system. Everything we've done up until now allows the consumer to acquire online healthcare from providers. The team addition, which is becoming commercially available at the end of the first quarter, will allow provider-to-provider consultations.
X: How would you make money from the use of your system for provider-to-provider consultations?
RS: Well, it means that primary care practices, instead of sending you a referral, they can call up a specialist in real time while you are at their office. That changes the whole notion of referrals, and that changes when you get the appropriate care. Even if you get a referral at the doctor's office, you usually have to wait six weeks or so for an appointment. With our team edition, that goes away. The primary care provider stays more in touch with the care you are receiving, because they are physically there when that cardiologist or specialist is giving you that consultation. That is going to make a very significant impact on how care from specialists is delivered.
Later in 2010, we plan to offer the capability for providers to incorporate the delivery of online care services as part of their practice system, which means that the physician sitting in his or her practice could have the ability to manage two different waiting rooms in parallel; there's going to be the physical waiting room, where there are going to be patients waiting, and then there is the virtual waiting room, where his or her patients are waiting at home to get care. The system will support the sequencing, so the front desk at the practice will be able to send a patient in the physical waiting room to see the physician or allow a virtual patient visit.
X: Now that you've seen the online healthcare phenomenon transform from a concept into reality, how do you see this field evolving?
RS: I think what we are going to see is two different parallel evolutions. First of all, I think we are going to see people become more comfortable using the system. It's a word-of-mouth thing happening. I think that, to a degree, we'll see more utilization as broadband continues its distribution across the country, even though it's pretty prevalent already. You can't buy a laptop today that doesn't have a webcam built into it, and I think that's going to be a great driver as well. Also, as patients and physicians get more comfortable with these technologies, you'll see the impact of that on utilization and how this is a regular way of getting healthcare. This is change that we see happening from the ground up.
From the top down, the efforts that we are seeing to computerize [medical records] are also going to work extremely in favor of our system, because if you have the capability to tie more of the clinically relevant information about the patient and put it in front of the physician in the online care system, the better the care the physician can render to the patient. So with the adoption of electronic medical records, and with the adoption of electronic prescriptions, you're going to see the value of online care growing and growing because the physician on the online care system will be much better informed about the patient. We see that as the most important factor that improves the level of care rendered in the system. The more the physician knows, the more comfortable they are in providing care.
X: Is American Well interested in forming partnerships with electronic medical records providers to integrate your online care system with their systems? Is that something that you would do, or will it be up to health plans to decide whether to integrate your system with an EMR?
RS: This is the interesting thing about the way the healthcare world looks like. Health plans have very little to do with what happens inside the practices of physicians. Whether it is small practices, hospitals, or healthcare delivery networks, health plans really deal with the financial coverage of the services. They have very little say about what happens in those places. So what you would see is the large electronic medical records systems from companies like Epic and GE are kind of not exposed to this, yet.
I can tell you that effectively this is going to change in 2010, because we've already seen and have been approached by some large EMR systems out there to establish integrations. And this is coming not because the health plans want it, but the physicians are saying that we understand that we are going to be caring for patients with this technology, and the sooner we bridge the two the better. Whether it's going to be the giants like Epic or GE or whether it's going to be very innovative companies like Athenahealth here in Boston. Athenahealth I think, is ahead of the most of them. I think you are going to see EMR integration with online care very, very soon, even within 2010.
X: I don't think you've ever said when American Well is going to become profitable by a certain date, but how close is the company to operating profitably? And would you consider doing an IPO? I know that's two questions.
RS: Yes, but the two questions are closely tied. I think we are very fortunate, because our previous two ventures did very well, that we have a great group of investors that came together to do American Well. [Editor's note: Schoenberg and his brother, Ido Schoenberg, who is a co-founder and chairman of American Well, have each founded successful health IT companies. Roy Schoenberg founded CareKey, a provider of electronic health management systems that was sold to California's TriZetto in 2005, and Ido Schoenberg co-founded iMDSoft, a maker of software that enables hospitals to track patients and their records while they are in intensive care units. Ido was also an executive at CareKey/TriZetto.] One of the key decisions we had to make very early on, which obviously translated into the amount of money the company needed to have in place in order to do this, was the understanding that if we really believe that healthcare is going to be delivered through technology, the financial future of the company is not in selling the software but from generating revenue off the healthcare traffic that is going to be online. As a result, the contracting model for this technology has been from the ground up. There is obviously a licensing component; we are generating revenue from the licenses. And these are not trivial sums; they are in the multiples of millions of dollars. But in every contract that we sign there are two revenue streams going to American Well. One is the license, and transaction fees are the other source.
We see the revenue opportunity for American Well not so much from the license fees, which are important to maintain us at the early stage of the company, but from fees we get every time a physician interacts with a patient with our technology. From a Wall Street perspective, and this is why I think your questions are tied. We know that when you go into a public offering stage, Wall Street is very skeptical about the spiky revenue model of large enterprise software companies, where if you make a sale there is a larger influx of cash into the company. But until you make the next sale there are deserts—there's nothing going on. That doesn't lend itself to public offerings, because nobody knows when the next deal is going to be and how capable are you going to be to make those deals again and again and again. Whereas if you have a model that allows you to establish recurring revenue, so that you know that there's traffic that is generated month in and month out, that generates revenue to American Well. The growth of recurring revenue is probably the most valuable asset that you can bring to Wall Street if you want to do an IPO. So this all ties together because that model of selling our products—really saying that we are more interesting in generating revenue from healthcare traffic than we are for giving the disks for the software—to do that effectively you have to be very well capitalized. It means that you're looking at prospective growth because you're not trying to make the company become profitable because of the software sale.
X: Does that mean that you're looking at a long road before you become profitable?
RS: Absolutely not. We're already doing very well. But I think it was a very good decision in hindsight to say that when we sell accounts, we will religiously require that the health plan will pay American Well per transaction in addition to the license fees, because that is where the revenue growth is going to come from. I'm very happy with the license revenue stream, but if online care is going to be the new way that healthcare is delivered, which is what Gartner and everyone else is saying, then from a future standpoint the revenue growth at American Well comes from the traffic. It doesn't come from the license fee from the health plan.
X: What are your plans to gain adoption from other stakeholders in healthcare, other than health insurance plans?
RS: We are now seeing contracts that are being negotiated not only with health plans. We have delivery networks [or organizations with a network of healthcare clinics or hospitals], which are saying that they have physicians, so why not use their physicians to deliver care in their states of operation. So allow people to come in with a credit card and see, say, a cardiologist right now. And because of the way we see the world, it is a very solidified revenue model, because we don't care whether the transaction happened between a doctor and a patient and was covered by the health plan or the delivery network. As long as the transactions are there, American Well generates cash.
X: How much does American Well make from each transaction?
RS: It kind of changes between the different contracts. There is a balance when we talk to an operator. We tell them that there is always going to be a license fee and a transaction fee, and depending on your strategy, you can shift the balance from one to the other. So you can pay very high license fees and a lower percentage in transaction fees, or you can pay lower license fees and then agree to higher transaction fees. Both of them will always be there.
X: Have you ever disclosed who your investors are and how much money you have raised?
RS: No, this is a private company and for every investor that we disclose we have to get their approvals to disclose their relative contribution. It's painful. There's no reason to do that.
X: Changing the subject then, what do you think will be the impact of the proposed healthcare reforms on American Well?
RS: I think in terms of healthcare reform itself, and the jury is out on how that's going to end up, but one thing that is becoming very apparent is that one, you're going to throw 35 million people into the healthcare system. These are people who were outside of the healthcare system, but you're not going to be able to throw in the equivalent number of physicians into the system. There are just not enough physicians. We already have a great shortage of physicians, so they're just not going to be there. So the reality is that the notion of traditional access to those physicians going to get much, much more difficult. In a world where access to physicians is difficult, alternative ways of getting care from physicians and better ways for physicians to use their time while they are at their homes from 7 o'clock to 9 o'clock in the evening, those types of interventions are going to become a requirement. This is something that we see happening in 2010. So in a nutshell, we see healthcare reform providing a huge boost to the use of our technology.
X: Has reimbursement been an issue for the company? I recall that the reimbursement rates that are applied to online visits aren't as high as physical office visits.
RS: We thought the fact that the system allows physicians to operate without overhead was going to be a very important factor in their decision to do this or not to do this. The reality is that we don't have a shortage of physicians. Physicians are on the system, they are happy to do this, and they are delivering services 24 hours a day. The reimbursement rates differ from market to market. The reimbursement rates in Minnesota are different than they are in Texas, and the rates in Texas are different than the rates in Hawaii. But the rates are adjusted to the point that it's attractive to the physician. Health plans determine reimbursement rates. The system not only allows health plans to play around with reimbursement rates until they find a sweet spot [where doctors are willing to provide virtual consultations], it has the capabilities also to provide great sophistication in what the rates would be depending on who the patient is, who the provider is, and under which circumstances they come together.
So the payment rate may be different for an HMO product versus a PPO product. It may be different by time of day. And some plans are actually thinking about an advanced perspective, where they are saying that there are certain patients that are extremely expensive to cover because their care is poorly coordinated. The diabetic patients that do not go to their follow-up appointments, for example, tend to show up in the emergency room with different kinds of extreme complications of their disease. With our system, health plans have the capability of saying that for those patients, where we could really benefit from advanced coordination, the payments for those patients are going to be lower than for patients who are perfectly fine. In a way, it's a really good thing because those patients who are badly cared for are given positive incentives to get treated [in a virtual visit], and that in turn has a tremendous effect on the medical costs of managing those patients.
X: How do you envision American Well being used outside the U.S.?
RS: Here's something to consider, which I think is very contemporary. Just imagine that we could open online care in Haiti. Just imagine that the service would be available in those very large places where wounded people are concentrated, and we could make U.S. doctors available from their desktops in their office. And all these physicians would be available to patients in Haiti.
X: It sounds like you've thought about this scenario quite a bit. Do you want to make an announcement?
RS: I don't want to make an announcement because I don't know who's going to pick this up. I can definitely say that if someone had picked this up, we would have made the system available, we would have contributed the system for that. But I think these things would be a reality. Online care is all about projecting care from one place where it is available to another place where it is needed. Here's another example that no one ever thinks about, of how dramatic that effect could be. It's too early in the game of online care for people to translate what it offers into these kinds of applications, but the world of online care is literally opening up in front of our eyes right now.
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Working to keep seniors secure
No pension. No retirement plan.
But he had accumulated savings of more than $163,000 as a hard-working farmer.
So when Tammy Johnson, an insurance investment agent from Green County, came knocking on his door, the 84-year-old was relieved he�d no longer have to worry about having enough money to live on.
After all, Johnson promised him a greater return on his investment than the rates he was earning on his bank accounts, according to an investigation report by the Wisconsin Office of the Commissioner of Insurance.
Over the next three years, Johnson visited the man several times and sold him insurance policies and annuity products that he didn�t understand, according to a police report.
Through many transactions, Johnson put much of the man�s life savings into investments that were not appropriate for him but that yielded tens of thousands of dollars in commissions for her, according to records.
Police got involved after the man�s nephew and a neighbor learned the man had stopped receiving a dividend check from the life insurance annuity Johnson sold him.
A Janesville police detective was assigned and turned over the case to an investigator with the state Office of the Commissioner of Insurance.
The insurance commission�s case against Johnson still is pending and under investigation. She was scheduled for a hearing in May, but it was rescheduled to Oct. 1 at her request, according to a commission spokesman.
If found in violation of state statutes, Johnson could lose her license to sell insurance, be ordered to pay fines and be told to make restitution, according to the state investigator.
Older adults targeted
Older adults are the fastest-growing segment of U.S. investors, and a growing number of seniors are being targeted by abusive sales practices that might result in fraud, according to a consumer alert from the Wisconsin Office of the Commissioner of Insurance.
Older adults will have more than $8.5 trillion to invest over the next 40 years, according to the North American Securities Administrators Association Web site.
They also make up about 30 percent of today�s financial fraud victims, according to Consumer Action, a consumer advocacy group.
That�s why local officials who work with seniors and state and federal regulators are becoming more concerned about the growing number of unscrupulous marketing and sales practices by financial services firms.
They want consumers to be informed about free seminars and people who proclaim to be experts in retirement planning or advising seniors.
Randall Hoth, president and chief executive officer of the Better Business Bureau of Wisconsin, Milwaukee, said that the pace is picking up for �free lunch� presentations in Wisconsin, and he believes it is related to the poor economy.
Free seminars
There�s no magic financial solution, Hoth said.
Companies might offer complex financial transactions involving home equity and promising 18 percent returns each year for the next seven years, Hoth said.
�It�s too good to be true and cannot sustain itself over time. That should raise the red flag,� he said.
But people sometimes ignore the flags.
�People (mostly seniors) are really concerned about the cost of living and their (financial) security and reach beyond legitimate financial returns in the marketplace,� Hoth said.
If you get an invitation to a free seminar, he stressed, �Do you homework. Check out the credentials of the person presenting independently from what is being told to you by the company or sales representatives who could be telling you anything to make it sound good.��
Beware of titles
Most seniors aren�t investment wizards. That�s why they seek help at seminars and from financial experts. And although there are many legitimate financial planners out there, some give themselves important-sounding titles to convince others of their expertise, said Patty Struck, administrator of the state Department of Financial Institutions, Division of Securities.
�If you�re thinking of hiring somebody because of designation, make sure you ask a lot about what that means,�� she said.
Ask how the retirement planners, senior advisors or senior consultants are certified or accredited. Ask how they got their designation, how long they�ve had it, if they take continuing education to hold onto their designation and whether they will lose their designation if too many complaints are filed against them, Struck said.
�If you can lose it,� she said, �it means you studied more than marketing.��
Struck and others who work in similar jobs in other states have testified to Congress about the necessity of senior specialist designations.
�We felt it was appropriate to do some rule making in this area because of the possibility that people in our states were being defrauded by people who were representing themselves as experts but weren�t,�� she said.
Eight states, including Wisconsin, have adopted or are in the process of adopting regulations to separate experts from the nonexperts, Struck said.
The regulations will go into effect in Wisconsin in the next couple months, she said.
It�s important to validate the amount of training someone has, Hoth said.
�There�s a national designation for �certified� that takes a lot of coursework to accomplish,� he said.
Rock County senior benefit specialists Terri Pass and Josh Hinz are required to attend monthly training with the Coalition of Wisconsin Aging Groups attorneys to keep current on issues that pertain to seniors, said Rob Wilkinson, chapter specialist for AARP and presenter of the organization�s Fraud Fighter Program.
Wilkinson said most upstanding businesses or individuals want you to do your research so when you�re investing with them, they can give you the best service possible.
Why target seniors?
�It�s where the money is,� Struck said.
And investment and financial services have learned they�re having success in selling products to seniors, Hoth said.
�Seniors, living on a fixed income, are stretching to believe something that is not true. They�re stretching for higher yields as everything costs more and people that have already retired or are nearing retirement are keeping an eye out for the best possible returns to supplement their income,�� he said.
Wilkinson said seniors often are too trusting.
�They maybe don�t trust their own ability to make decisions so are trusting others to make decisions for them.��
It�s also sometimes easier for seniors to simply avoid doing the research and to assume everything is going to be fine, Wilkinson said.
�Unfortunately, that�s not true,�� he said.
Recognize a scam
Wilkinson presents AARP�s Fraud Fighter Program, a consumer education program to teach seniors to recognize consumer scams and report fraudulent activity.
�A lot of complaints go unfiled because of embarrassment and not wanting family and friends to know they have been taken by an unscrupulous investment adviser,� Hoth said.
�They�re also afraid of being ridiculed or people thinking less of them,� Wilkinson said.
But Hoth can�t stress enough the importance of reporting fraud.
�If you have a concern about federal or state agencies, contact the Better Business Bureau. We�re private, nonprofit, your name won�t come out in public, but your complaint will and that�s important so we have information to help protect future investors.�
Financial fraud can be devastating.
�They�ll lose everything they�ve saved,�� Wilkinson said.
And when that happens, it affects people adversely and drastically.
�Sometimes it�s depression but there can be cases of suicide because people can�t cope with the losses.��
Still at it
Tammy Johnson�s case still is pending with the insurance commission, but she apparently continues to give investment advice.
A Janesville police detective recently learned Johnson in July gave a free dinner and asset preservation workshop in southwestern Wisconsin.
A brochure indicated participants would learn how to �lock in higher fixed rates,� �guarantee an income you can�t outlive,� with �limited seating� and �no sales pressure.�
To get help
Local police are your first line of defense against fraud. AARP and the state Office of the Commission of Insurance also suggest the following resources:
-- AARP Wisconsin at 1-866-448-3611. AARP can recommend which agency will be best suited for you.
-- Consumer Groups: Wisconsin Office of Privacy Protection, 1-800- 422-7128; Wisconsin Consumer Protection Hotline, 1-800-422-7128; Do Not Call Hotline (Wisconsin), 1-866-966-2255; Do Not Call Hotline (National), 1-888-382-1222; Stop Direct Mail Service, 1-888-567-8688; Mortgage and Foreclosure Helpine, 1-866-722-9248.
-- Credit: Free annual credit report requests, 1-877-322-8228; Equifax, 1-800-525-6285; Experian, 1-888-397-3742; TransUnion, 1-800-680-7289.
-- Attorney Services: Elder Law Center of Wisconsin, 1-800-366-2990; Wisconsin Bar Association lawyer referral service, (608) 257-4666; Professional Licensing Agency, (608) 266-2112; Wisconsin Attorney General, (608) 266-1852; Wisconsin Secretary of State, (608) 266-8888; U.S. Securities & Exchange Commission, (202) 942-8088.
-- Wisconsin Office of the Commissioner of Insurance: Call before you disclose any personal or financial information, 1-800-236-8517; www.oci.gov.
-- Department of Financial Institutions Division of Securities: Call to verify that the person is licensed to sell insurance products or securities products, and that there have been no complaints or enforcement actions against the person, 1-877-746-4334, www.dfi.wa.gov.
-- Wisconsin Better Business Bureau: Call to learn about any complaints, 1-800- 273-1002, wisconsin.bbb.org.
-- North American Securities Administrators Association, (202) 737-0900, www.nasaa.org.
-- Financial Industry Regulatory Authority, (301) 590-6500, www.finra.org.
-- Wisconsin Department of Agriculture, Trade and Consumer Protection, (800) 422-7128, www.datcp.state.wi.us.
-- Coalition of Wisconsin Aging Groups, (608) 224-0606; www.cwag.org.
Tips for avoiding fraud
The Wisconsin Office of the Commissioner of Insurance recommends that you:
-- Question credentials of �experts.� People often boast designations and credentials using terms such as �certified,� �accredited,� �retirement planner,� �senior advisor� or �senior consultant� to convince people they have special expertise to help seniors choose investment strategies. This may not be true. Ask about the person�s qualifications and training, and check them out for yourself.
-- Beware of the �free lunch� seminar. There is often a catch to a free seminar, even those advertised as unbiased and educational. While certain information provided at seminars may be useful, a seminar may end up being a sales presentation for life insurance, annuities, other insurance products or investments.
-- Question if a product being recommended make sense for you. Always be sure you understand what is being sold. Do not hesitate to ask questions.
-- Never make a final decision at a seminar. If you attend a seminar, you may be exposed to high-pressure tactics, frightening stories about people who don�t have enough money to live on in retirement and promises of amazing financial returns. Consider obtaining a second opinion from an accountant or other professionals who will not benefit financially from the sale.
-- Report scams. If you feel you may have been pressured into buying a product that is not right for you or if you feel that you may have been misled during a sales presentation, do not hesitate to contact regulators for assistance.
Last updated: 10:08 pm Thursday, December 13, 2012


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This Saturday morning starting at 9 o'clock, the public is invited to take part in the 3rd Annual Alzheimer's Memory Walk. Caregiver Support Facilitator with the Center, Stella Montano, explains.
While there is no specific amount required to take part, Montano says that donations are appreciated. She stresses that while this technically is a fundraiser on a nationwide basis, she feels that for the Sheridan community, awareness of Alzheimer's is most important.
Montano says they provide in-home respite services, where caregivers are given a break by someone from the Senior Center coming into the home to watch the Alzheimer's patient. Or the caregiver can bring their loved one to the Center where the loved one can take part in the Day Break program. Both programs are on a sliding fee or donation scale.
To learn more about Saturday's walk or about the services the Senior Center provides, call Stella Montano at 672-2240.


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Ralph Paschall
Ralph Paschall Poems
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- Wonder I wonder I wonder I wander inside. Wondering how
- The Angel With No Wings Liven life came into your life You...
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I wonder
I wonder
I wander inside.
Wondering how
Just how far I could wander
Far wandering my mind.
I wonder,
I wander, and wonder,
Till the day that I...
I'll wait and surrender,
No chain's nor confinement,
When found while I wander
Deep down put aside
Set those feeling inside.
Empty words said
That I felt they meant nothing,
Can believe the neglect that I showed.
Meant I neglected myself.
Substained in confinement.
But subconsciously find,
Find to fight while still wandering.
Find while I wander inside
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All five of us got hit with that nasty stomach virus going around, and wow, that was not fun. Not fun AT ALL. Do you know what's worse than puking and running to the bathroom hour after hour when all you want to do is lie in bed and sleep? Watching your three babies go through it. We survived, but I was more than happy to bid adieu to Puke Fest 2013. Everything is pretty much back to normal including my appetite, and after several days of eating nothing but Saltines, I've been enjoying a variety of meals this week.
Lunchtime around here can get a little crazy. We have a part-time nanny that helps me in the mornings. She usually leaves right around the time Chris arrives home to grab a quick lunch and see the kids. He'll help me feed Summer and put her down for her nap and then goes back to work, right around the time Charlie and Katie wake up from their 2nd nap of the day. Sounds a little hectic, and some days it is, but thankfully I have help.
Now, where was I? Oh yes, lunch. I usually eat after getting the twins up and all settled. They like to hang out with me in their bouncy seats while I eat. My mid-day meal must come together quickly because Charlie and Katie are usually ready to eat about 30 minutes after their nap. Also, it must satiate me for several hours. This is why I never just make a sandwich. As much I love a good PB & J, I can eat two or three before I'm full. Below are two easy-to-put-together meals that kept me going all afternoon. Pretty darn tasty too!
Avocado Egg Bowl inspired by Elise.
I threw some red quinoa in the rice cooker earlier in the day, and when it was time for lunch, I stirred the cooked quinoa together with a little butter and brewers yeast (LOVE this flavor combo) and then topped my bowl with an egg and half an avocado. Filling and delicious!
Today's lunch…
Two white potatoes cooked in the microwave and topped with baked beans, sour cream, and pepper. So easy, so yummy.
Still here, still eating bizarre combos all slopped together in a bowl, still HEAB. 🙂


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Maa is about Shikha, a stepmother who is trying her best to be a good mother to Rachna and Suraj. But their biological mother, Anjali, (Mandeep) a divorcee, tries to brainwash the kids against Shikha. Shikha takes great care and pleases the kids in every possible way. However, whenever the kids go to spend their weekend with Anjali, their attitude changes. Shikha feels dejected, so her husband (Sudhir Mitoo) consoles her not to lose courage. Meanwhile, Anjali s conscience tells her that she s a loser and an unfit mother. What decision will Anjali finally take?
Rishtey mirrors life and brings to the forefront, various nuances of human
relationships. Each episode delves into the intricate lives of the characters,
their circumstances and their deepest emotions in a manner that will touch your
Episode :166
Date: 2001-06-24
Episode :164
Date: 2001-06-10
Episode :163
Date: 2001-06-03


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This product is no longer available.
You can try these similar gifts instead.
BBQ Tool Set
Any grill master will be glad to own this BBQ tool set that includes tongs, fork, grill brush, skewers, corn holders, 4-in-1 spatula, and electronic fork with LCD display, digital thermometer and a rare/medium/well indicator.


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Sactionals Wedge Seat Cover Set: Brown Herringbone Chenille.
- Price: $270.00 $ - In stock
Sactionals Wedge Seat Cover Set: Brown Herringbone Chenille
The Wedge Seat is a fresh angle on Sactionals. This new angled Seat gives you countless options in rearranging your space and provides new opportunities to open up your room and create a relaxed, inviting atmosphere. The more Wedge Seats you have, the more angles you get. L-shaped Sactionals take a stylish new turn with more corner-seat legroom. Semi-circle arrangements create the perfect place for intimate conversations and movie nights.
What's Included:
About Brown Herringbone Chenille Covers
Our Chenille is a 100% combed polyester chenille fabric that is as stain-resistant and machine-washable as it is soft and luxurious. Chenille features lofty clipped yarns that give this casual fabric a plush, inviting texture.
Sactionals Wedge Seat Cover Set: Brown Herringbone Chenille.


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SUFTEL.COM is the fastest growing Nigeria's ONLINE SHOPPING MALL. When looking for the most reliable and fastest online shopping mall to deliver products to you, come to Suftel. com. By shopping here, you will experience first class customer care that gives peace of mind at all times.
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EDMONTON -- Smoke billowed from a downtown apartment building where a man plunged four storeys but survived Wednesday.
The man, screaming in agony and writhing in the bushes, could be heard at the 10210 100 Ave. apartment building, Dwayne's Home, an affordable housing unit for those facing homelessness.
Witness Cherie Leniuk noticed smoke in the nearby building from her apartment balcony and called 911.
She then saw a man hanging out of the window. Eventually, she said, he couldn't hold on any longer and dropped from the fourth-floor suite.
"He let go," she said. "He couldn't hang on anymore."
District Chief Randy Shakura said the emergency call came in around 2:49 p.m., and was called a second-alarm blaze soon after.
Shakura said the converted hostel had 376 suites, currently housing 130 tenants.


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BRUNSWICK COUNTY, NC (WWAY) — A student is facing charges for communicating threats about violent acts at a Brunswick County high school, according to a sheriff's spokeswoman.
A Brunswick County Sheriff's Office spokeswoman said detectives charged Austin Ray Collins, 17, with two counts of communicating threats stemming from an incident that happened Wednesday.
Warrants show Collins, who is a senior at South Brunswick High School, threatened to hurt someone and damage property at the school. Collins also threatened to "shoot the school up," according to warrants.
A sheriff's spokeswoman said Collins was booked into the Brunswick County Jail late Thursday night and is out under custody release. A mother of a South Brunswick freshman said that wasn't long enough.
"I believe they probably should have kept him in there for a little bit," she said. "He said he was going to come and shoot the school up and he still might because he's really mad now."
Another parent, Doug McKenna, said the threats should be taken seriously and Collins should face punishment.
"I would say more than in jail, he should be in a place right now where he's getting proper psychological care," McKenna said.


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Pymousetrap provides access to a C-implemented shared library that efficiently stores information about a 2-dimensional grid (a mousetrap). The mousetrap is integer resolution, and supports works very similarly to graphics libraries; mousetraps can be 'blitted' onto each other, with transparency. This code was written with the intent to simplify the way mouse click events were handled, but probably has other uses.
|Games/Entertainment multimedia Graphics Software Development Libraries
|Operating Systems
Release Notes: Updated for libmousetrap 0.6.0. Now builds with python 1.5.2 or later versions. Pygame support has been fixed. Minor API changes and a pygame example were added.
A Fluent OpenStack client API for Java.
A TWiki appliance that is easy to use and lightweight.


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My 89 nissan D21 Z2.4 with automatic seems to be in the "limp home" mode. Engine does not rev normally and transmission shifts hard - much like the old auto's with a bad vacum modulator. It starts and runs smoothly, but has reduced power, poor acceleration and poor fuel economy. In checking the wiring I found wires from what appears to be the thermostat housing that are tied together. There is a plugin connector that looks like it would have connected to the "connected" wires from the thermostat. Why would someone do this?
have the same problem?
Monday, May 9th, 2011 AT 3:05 PM


text: Afternoon, A few weeks back I picked up a Konica C35 AF2 camera off EBay. Like earlier C35's the film speed dial has been placed around the lens, however I can't figure out some of the speeds. The dial is labelled: 25 * 50 * 100 * 200 * 400, the numbered selections are obvious but I am not sure what the intermediate speed settings are. If they labelled the entire dial, I would be able outside using it. Any thoughts or suggestions are welcome. Thane


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World of Warcraft Movie Location Concept Art Revealed at BlizzCon 2013
Members of World of Warcraft Movie team have revealed four pieces of location concept arts at Blizzcon 2013. They are endeavoring to make the environment in movie detailed and real. Recognized them?
Here are more details about the movie presentation:
- Duncan Jones has played the Warcraft games, World of Warcraft, and even Lost Vikings. He originally played Ultima Online.
- The Special Effects supervisor plays World of Warcraft and is level 90.
- Marketing hasn't started yet, so there isn't a ton to reveal yet.
- Jones liked the script, but it was very Alliance centric. He thought it would be better to make it about both sides and the original Warcraft.
- Jones turned down other films because he was really passionate about working on Warcraft.
- While working on Golden Compass, the special effects supervisor got up at 2 in the morning to do runs with his guild.
- Real actors will be used for the Orcs.
- Avatar meets Game of Thrones as far as complexity of visual effects with live action, advanced special effects, and motion capture on set.
- There is a lot of Warcraft lore, so they had to pick a certain amount of the lore for this movie.
- The team has to figure out which characters to shine the spotlight on.
- There is concept art for Draenor, Dalaran, Ironforge, Stormwind.
- Making environments for the game has a lot of restrictions, but in the movie you can expand on the environment with less restriction and make it more grand / cinematic.
- Many locations in the film will be on built sets, like the Lion's Pride Inn.
- The most famous character in World of Warcraft is the actual world itself.
- Wardrobe and Costume design is being done by someone that has worked on Avatar.
The team is looking at details as small as the bark on the trees in Elwynn Forest.
People who don't know the world and people who are hardcore players will both enjoy the film.
In the picture, from left to right: Director Duncan Jones, Chief Creative Officer Rob Pardo, VP of Creative Development Chris Metzen, VFX Director Bill Westenhofer and VP of Cinematics Nick Carpenter
You! +1


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There are quite a few purple lovers out there....Aren't there? I don't mind pruple but I happen to be a pink lover.
Susan made this for a graduate....the gal didn't want a girly old lady quilt. What? Why does that keep coming up? Do people think us quilters are all old ladies? Come on?
Anyway..I quilted wavy lines and swirls in the big blocks...I think the simplicity of the designs...just come together so well...and I am impressed by it. LOL
Sometimes I think I over think things to much....and I am really happy with this quilt. So is Susan.
there is a sham and a quilt.
Thanks for looking.


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This free download has now expired. You can now purchase these tags as part of my huge Christmas / Winter Wonderland Collection
With Christmas just around the corner it's time to start thinking about all the gifts you are going to be wrapping and labelling soon! This FREE download has some cute Christmassy Gift Hang Tags that you can personalize and print off at home!
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NBA Basketball: Phoenix Suns at Indiana Pacers - Suns Favored
75% of Bets Placed on Phoenix -6 | Matchup | NBA Picks
Road games against Eastern Conference teams haven't been a problem for the Phoenix Suns.
Phoenix looks to move closer to becoming the first team in NBA history to win all of its road games against East clubs when it meets the Indiana Pacers on Tuesday.
Oddsmakers have made Phoenix -6 point spread favorites (NBA Odds) for todays game, the over/under has been set at 217 total points (View NBA Sports Books).
If Phoenix can win at Indiana on Tuesday and in Philadelphia on Wednesday, it'll complete a sweep of road games against the East, something that's never happened in the league. The Suns are 13-0 in those games this season after beating Atlanta 115-106 on Sunday.
Phoenix (43-13) went a respectable 9-6 on the road last season against the East, but has stepped up its play this season and is 22-3 overall versus East teams.
Amare Stoudemire had a season-high 43 points and added 16 rebounds on Sunday to help the Suns win their fourth straight - all after the All-Star break - since two-time MVP Steve Nash returned to the lineup after missing four games with a shoulder injury.
"They were sending guys, two or three guys double-teaming me the whole night," Stoudemire said. "I just took what the defense gives me. There are some stretches when I don't score, other players do. And I have no problem with that. We're just trying to play team basketball. Take it down the stretch."
Stoudemire is averaging 30 points and 12 rebounds during the winning streak, taking his game to a higher level after appearing in his second All-Star game.
"When he's playing like that, you just have to keep feeding him and get him the ball as much as possible," said Nash, who's averaging 13.3 assists over the last four games.
The Suns have won 22 of their last 25 away from home after starting the season 0-4 on the road. They begin a five-game homestand on Friday with a return visit from the Pacers, who after Tuesday, play six of their next seven on the road.
The Pacers (29-26) wouldn't mind getting a victory before they head out on their West Coast swing, having been blown out in their last two games. Indiana lost 110-88 at Toronto on Friday and 110-93 to Sacramento at home on Sunday.
The Pacers have allowed at least 110 points in three straight games and more than 100 in eight of their last 10. Indiana is giving up 97.9 points a game this season.
"Defense is definitely an issue for us right now, in a big way," coach Rick Carlisle said. "It's execution to a degree. You have to say the effort wasn't good enough."
Indiana has lost four of its past six home games against Western Conference opponents, with all four defeats coming to teams that currently have losing records.
"Yeah, the West is pretty good," Indiana center Troy Murphy said. "What do you want me to say?"
The Suns won both meetings between these teams last season. Phoenix's 114-104 victory at Indiana on March 30, 2006, snapped a six-game home winning streak for the Pacers in the series.
By: Marc Young - theSpread.com - Email Us
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Quote of The Daily: Edun Menswear Designer Ricky Hendry On Bono
How did Edun menswear designer Ricky Hendry's first meeting go with Bono? It went a little something like this: "I was starstruck!" Hendry told The Daily. "It was during a fitting backstage in his rehearsal studio. Bono saw me, dropped his pants, and said, 'You want to measure the inside of my leg?'" That's how you get things done, people.


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as often as people in the study who didn't get the prompts.
Kvedar, who is also an associate professor of dermatology at Harvard Medical School, says that he actually uses a medication-reminder technology called GlowCaps for his daily cholesterol-lowering pill. GlowCaps, which fit onto standard pill bottles, were initially developed at the MIT Media Lab and are now marketed by the Cambridge-based firm Vitality. The system that Kvedar uses got him out of bed one night after his wife heard it beeping to tell him that he had forgotten to take his cholesterol pill. (The bottle caps are designed to light up before they beep.)
Even though such systems have shown to be effective, according to Kvedar, there's still a question of who should pay for the technology. GlowCaps can be purchased online for $99 and require users to have a broadband Internet connection to their homes. As for MedMinder's system, individual patients pay $50 per month for use of the firm's electronic pill boxes and the online services the company provides. The field is also rife with other competition, from iPhone apps like MediMemory to pills from Redwood City, CA-base Proteus Biomedical that deliver wireless signals after they are swallowed. Then there are services like those from Newton, MA-based Aprexis Health Solutions (formerly InnovationRx), which provide e-mail reminders and other outreach to get patients to take their meds.
"The way that the economic models are currently set up," Kvedar says, "it's the patient's responsibility to take their medication, and nobody will give them a cash subsidy to cover a program like this."
A potential shot in the arm for MedMinder and Vitality could come with potential healthcare reform in Washington. One proposal in payment reform is to give doctors bonuses for improving the health of their patients, which could create an incentive for them to recommend IT systems and other methods to remind patients to take their meds. For now, the companies might get business from health plans that have existing disease-management programs in place that aim to improve outcomes for seriously ill patients, according to Tom Hubbard, a senior program director for the New England Healthcare Institute.
At MedMinder, the firm is focusing its marketing efforts on organizations that have a stake in controlling costs for chronically ill patients, Shavelsky says. "This is the population that industry, health insurance companies, and healthcare providers are really focused on, because that's where you can suffer the greatest costs if [patients] don't take their medication on time."
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