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Technology is such a vital competitive differentiator that all business execs, whether they are CIOs, CEOs, CFOs or CMOs, need to understand the essentials.
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Fitness & Exercise
Finding the Types of Exercise You Enjoy
Committing to an exercise program can be a big change. And like all changes, it can be uncomfortable at first.
But you can make exercise more appealing, even more enjoyable, by considering these four simple questions.
1. Where Do You Want to Work Out?
First, figure out what setting appeals to you most, says New York cardiologist Merle Myerson, MD.
Start with this simple question: Do you want to exercise outdoors or indoors?
Depending on where you live, you might be able to walk, run, bike, swim, or ski outdoors. Even gardening, as long as you're working hard enough so you perspire a little, can count, says Bradley Bale, MD, medical director of the Heart Health Program for Grace Clinic in Lubbock, Texas.
On the other hand, you could work out indoors at a gym or specialty fitness studio, in your home, at a community center, or even a mall (they often open early to let people walk).
2. What's Convenient?
Making your workout convenient makes you more likely to do it. You're not likely to go to a gym that's across town, or to a class that gives you little time to get there after work. You want to cut out as many obstacles as possible.
3. By Yourself or With Others?
Think about whether you want to exercise on your own or with a group. "Groups can help make time go by and [help you stick] to an exercise program," Myerson says.
To find exercise buddies, check out fitness classes in your area. Join a club, like those for walkers, runners, or cyclists. Post a notice at your work, neighborhood, or community center; or ask a friend or two to exercise with you.
4. What Might Be Fun?
Next, consider the types of activities you enjoy, especially when it comes to aerobic exercise, which will be the mainstay of your program. The more you enjoy what you're doing, the more likely you are to keep doing those activities and stay committed to exercise.
You've probably heard the old advice to go back to something you loved as a kid. That can work. But you might also want to step out of your comfort zone and try something you've never done before.
Maybe you'll try a sport you never got to do in school. Or you might sample DVDs or online fitness videos before you buy them to see what you like. Be willing to experiment a little until you find activities you enjoy, or at the very least, can tolerate.
Don't pick just one thing. Come up with as many activities as you can so you can rotate between them, which could make exercise more enjoyable, says Oregon cardiologist James Beckerman, MD, a WebMD heart expert.
Related to Nutrition & Fitness
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It's nothing to sneeze at.
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subset: commoncrawl


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So Mitt Romney is releasing his 2011 tax returns. The top line is that the Romneys' effective tax rate last year was 14.1 percent.
The Romney campaign also released new info on how much he paid from the years 1990-2009, claiming: "Over the entire 20-year period, the average annual effective federal tax rate was 20.20%."
That 20 percent figure sounds a lot better than 13 or 14 percent, right? Well, here's the problem: It all turns on how that 20 percent figure was calculated…
The Romney campaign confirmed to me just now that the 20 percent figure was calculated [by averaging the rates against each other — treating the rates themselves as a collection of individual numbers — to calculate the overall average rate].
[Roberton Williams, a senior fellow at the nonpartisan Tax Policy Center] tells me that this is a far less meaningful way to calculate the overall rate…
"You can be a person like Romney and have a highly fluctuating income year to year," Williams said. "Some years Romney's income could be much lower than in other years. When you average just the rates, you can distort the rate you've paid relative to your income over the whole period."
Williams concluded: "The only way we can know for sure what rate he actually paid is to see what his tax payment and his income was for each of the 20 years."
Expert: Romney may have paid less in taxes over 20 years than it appears
So just to recap: The method the Romney campaign used to calculate his twenty-year average annual effective federal tax rate to get the 20.20% figure is basically bogus. But let's not forget: Even 20.20% is obscence given that Romney is worth a quarter of a billion dollars and America's top tax rate is 35%.
(via ryking)
(Source: diadoumenos)
Ann Romney Cancels Interviews After Stop It Controversy
In Omaha for a closed to the press fundraiser for her husband Friday, Mrs. Romney was supposed to give interviews to several reporters but canceled due to the controversy over her blow up at Republicans on a radio interview, in which she ordered Mitt's Republican critics to "stop it."
(Source: diadoumenos)
We're not going to let our campaign be dictated by fact-checkers
— Romney pollster Neil Newhouse (via think-progress)
No worries, we already knew that.
(Source: thinkprogress.org, via think-progress)
Race and the presidential race
A debate is percolating over whether the Mitt Romney campaign has tried to stoke racial resentments, primarily through television ads attacking the Obama administration over welfare policy. Republican leaders deny it. President Obama and his aides have been largely silent on the issue.
From Up w/Chris Hayes:
Here's a chart detailing Rep. Paul Ryan's major votes and their impact on the deficit.
Ryan, on cue, suffered massive political amnesia on Jan 2009.
If there's anything you use to sift through Ryan's budget bullshit, it's this.
Last year, Todd Akin and Paul Ryan partnered to redefine rape.
GOP Senate candidate Todd Akin, the same man who claimed "legitimate rape" doesn't often lead to pregnancy.
(via stfuconservatives)
Liberals Are Cool: Economy Improving
Washington Post:
"The long-moribund housing market has bustled to life, with prices and new-home construction rising in recent weeks. Hiring, so weak earlier this year, picked up last month. And on Thursday, the government reported an acceleration of a downward trend in the number of people…
Imagine that!
Always vote for the Supreme Court you wish to see.
(via diadoumenos)


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Jump to content
Mothercare/kid central closing
Started by mumtoactivetoddler , Feb 21 2013 01:32 PM
10 replies to this topic
Posted 21 February 2013 - 01:32 PM
A number of mothercare/ kid central stores are closing down. Those that are have 60% off all elc toys and 30% off everything else. Great bargains there. I bought lots of great stuff really cheaply there.
Posted 21 February 2013 - 01:34 PM
QUOTE (mumtoactivetoddler @ 21/02/2013, 02:32 PM) <{POST_SNAPBACK}>
A number of mothercare/ kid central stores are closing down. Those that are have 60% off all elc toys and 30% off everything else. Great bargains there. I bought lots of great stuff really cheaply there.
I think it is only at certain stores
Posted 21 February 2013 - 01:42 PM
Which one were you at? Is there anyway to find out which ones are closing?
Posted 21 February 2013 - 02:16 PM
see this link for selected participating stores and details http://www.mothercare.com.au/t-storewideclearances.aspx
Posted 21 February 2013 - 04:16 PM
They are only certain stores at this stage. I was at one of the Sydney stores this morning and there was a 30 min queue to pay, totally worth it for all the bargains I got and to cross some presents off my to buy list!
Posted 21 February 2013 - 07:28 PM
I got lucky at 9.15 this morning, there was no queue, and DD is very excited about the balldress dress up, the lego, the dressup shoes and also all of the paints we got. (We also got a whole lot of thin playmats which I intend to use camping.
Posted 21 February 2013 - 07:34 PM
My friend was at Knox and waited 90mins to pay...
Posted 22 February 2013 - 09:32 AM
So if your local is listed as clearing does that mean its closing?
Posted 22 February 2013 - 09:59 AM
Did anyone notice if Carseats were on sale ?
Posted 22 February 2013 - 12:33 PM
Yep if it has the sale it's closing! Car seats were 10% off safe n sound and 30% off the rest!
Posted 22 February 2013 - 05:58 PM
thanks for posting this
ELC Erina this morning had stock this morning, by this arvo, basically only had non ELC stock left (only 30% on this stock).
The lady said they were due to close Monday - but due to stock levels she think they will be closed before then.
Great bargains, but so sad that all these staff now no longer have jobs.
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|NBA Today
|Written by Admin
|Friday, 25 May 2007 23:26
Saturday, May 26
San Antonio at Utah (8:30 p.m. EDT). The Jazz are 6-0 in the playoffs at home and are looking for their first win against the Spurs after losing the first two games at San Antonio in the Western Conference Finals.
Georgia Tech guard Javaris Crittenton will turn pro after one season with the Yellow Jackets. Crittenton averaged 14.4 points per game and ranked second in the ACC with an average of 5.8 assists.
Sam Vincent was hired as the new coach of the Charlotte Bobcats on Friday. The 44-year-old Vincent played seven years in the NBA, and worked under Avery Johnson in Dallas this season.
Bernie Bickerstaff accepted a new role with the Charlotte Bobcats on Friday. Bickerstaff, the team's coach and GM since its inception three years ago, will become an executive vice president.
``I absolutely, positively anticipate this team making the playoffs, and I would be incredibly discouraged and disappointed if we don't.'' - Sam Vincent after he was hired as Charlotte coach Friday.


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1x18- Under Control
2x01- The Return
2x08- Rose
2x20- The Last Day
2x22- As I Lay Dying
Elena: But you took a risk with Damon. How did you know that he was gonna give it to me?
Isobel: Cause he's in love with you.
(The Vampire Diaries, 1x21 Isobel)
Stefan: Well, I know that you and Elena bonded. And I know that she cares about you. And I know that you care about her.
(The Vampire Diaries, 1x21 Isobel)
Damon: I kissed Elena.
Stefan: Because you feel something for her. Because you actually care.
(The Vampire Diaries, 2X01 The Return)
Rose: You're lucky, you know. No one's ever loved me the way you're loved.
(The Vampire Diaries, 2x12 The Decent)
Stefan: He did it because he loves you.
(The Vampire Diaries, 2x20 The Last Day)
Katherine: It's okay to love them both. I did.
(The Vampire Diaries, 2x22 As I Lay Dying)
Damon: You're so bent on dying at least this way I know you'll come back.
'He did it because he loves you'
"You won't"
-What if it doesn't work, Elena?
-Then i guess i'll just be dead.


text:
Product Details
Universal Chrome Wheel Covers (15-Spokes) by CCI®, 4-Piece Set. Add a shiny touch to your vehicle's wheels with stylish snap-on products. These accessories are manufactured from high grade ABS Plastic.
Fitment Notes: These hub caps are intended for an OE Stamped Steel Wheels.
- Enhance the look of your wheels
- Made of high-grade ABS plastic or stainless steel (depending on application)
- Designed to precisely fit your vehicle
- Easy to install with durable retainers
- Backed by a Limited Lifetime Warranty
These products are designed to transform your steelie-wheels from dull and boring to stylish ones. Available in radiant finishes with the variety of styles to choose from, these accessories provide improved look to the vehicle. Made of high quality materials, they ensure extreme durability and resistance to harsh conditions. The products feature durable retainers that easily clip onto your wheels and won't let the caps go loose on the road. If you are looking for a fast and affordable way to upgrade your wheels, then CCI products are for you. Do you drive the dually wheels setup? CARiD has you covered! You can upgrade your rear dually truck or van wheels with chrome wheel simulators. Browse our inventory and find great looking accessories for your vehicle.
Coast to Coast International is a division of Keystone Automotive Industries, Inc. For over twenty years CCI company has evolved from a retail hubcap and wheel store into an international company. The Coast to Coast International has 4 locations in the United States. The headquarters are situated in Tampa FL, with distribution centers in Quincy IL, Tracy CA and Huntington IN. These centers allow to ship products quickly and economically all around the country and internationally. The inventories offer the largest selection of chromed automotive accessories including wheel covers, wheel skins, grille overlays and various other applications. The company manufactures high-quality products offering the newest and the hottest items that will enhance cosmetic effect of the vehicle.Product Reviews (6)
Every Customer can leave a review about our service and the product that was purchased. In order to leave your review for your new product, please follow the link in the email you receive after completing your purchase. You can rate appearance, ease of installation, price/value and product quality.CCI® - Universal Chrome Wheel CoversAverage Rating: 4.5 of 5APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITYAll CCI Reviews(5)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITY(5)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITY(4.5)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITYChrome 16" Wheel Covers2013 Honda Accord
| Posted by Donna | (Conover, NC)
I was very pleased with these wheel covers. I'm skeptical of buying things online because not knowing how they'll look when you get them home, but I was very impressed with the picture provided online and the product when I received them. They look great on and they have a tight fit so I don't have to worry about them falling off.9 people found this review helpful.Was this review helpful for you? YesNo(4.5)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITY(4)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITY(5)APPEARANCEEASE OF INSTALLATIONPRICE/VALUEQUALITY2010 Malibu| Posted by Doreen | (Elkhorn, WI)
These Chrome Wheel Covers look Amazing!!! love the look and reasonable price too! I shop here all of the time! Very good Customer Service! got mine in 17 inch..looks real rich and chrome shines.3 people found this review helpful.Was this review helpful for you? YesNo
Product Reviews (6)
Product Reviews (6)
More Accessories
You will never pay more with CARiD! Not only will we match prices from any competitor's website or other reputable source, we will continue to honor that promise for up to one year after your purchase.
We'll match the price at time of purchase, or refund you the difference if done after the purchase. Either way, we are totally committed to providing you the best online shopping experience.
We're car and truck enthusiasts, just like you! And it's enthusiasts we hire in our Sales and Service Centers. Many of our staff are ASE certified and have spent years in the retail auto business.
We conduct our own in-house training, and we even bring vendors to us for hands-on product training demonstrations. You're getting true expertise when you phone or email us!
With hundreds of vendors, and tens of thousands of components for sale, we put tremendous effort into coordinating our data with our vendors' data in order to guarantee that you get the correct part.
Our huge database is regularly cross-checked to keep it current and optimized. At times, our thoroughness makes our data even more accurate than our suppliers! This rigorous process means that you can always order with confidence.


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MCMG fans might as well stop wishing for Alex Shelley to return, he has said numerous times he will never come back to them. Maybe TNA needs to stop screwing over guys for WWE has beens. Before they start losing guys like Aries again, Sabin and Styles.
How can you not ship them?
Bite size.
If I wasn't at work, I would have been all over this.
I want this back. Now.


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Find the Freedom in Christ to Work on a Better Marriage
- Wednesday, February 21, 2007
Speak your spouse's love language. Ask your spouse which type of language communicates love best to him or her: gifts, service, time, touch, or words. Then do all you can to use that language to show your spouse your love. Tell your spouse what your primary love language is, and explain how he or she can best love you with it.
Don't let money come between you and your spouse. Acknowledge that all your money ultimately belongs to God, because He alone has made it possible for you to receive and earn all you have. Work with your spouse to become a wise steward of the money God has entrusted to you. Establish a budget together. Ask God to help you become content with whatever you have at any time. Thank God regularly for what He has given you. Give generously to support God's work on Earth and to help people in need. Reduce your debt until you become debt-free, and stay out of debt. Save for future emergencies. Invest wisely, avoiding get-rich-quick schemes and using your investment money for ventures that bring glory to God. Commit to avoiding greed and being honest in all your financial dealings, and live by the highest standards of financial integrity in your family, church, and job. Make restitution for any wrongs you've committed against other people or their property. Don't oppress the poor or bribe the rich. Refrain from participating in any unethical legal proceedings. Work faithfully and diligently for your income, while also balancing work and rest.
Repent of sexual sin. Remember that your body is a temple of God, because His Spirit dwells in you. Decide that you will honor God with your body, rather than insult Him by using it for sexual immorality. Ask God to reveal every sexual use of your body as an instrument of unrighteousness, and as He brings specific incidents to mind, renounce each one and commit your body to God as a living sacrifice. Reserve the sexual use of your body for your spouse only. If you've been guilty of treating other people as sex objects, ask God to help you remember that they are made in His image, and are therefore worthy of respect and dignity. Work to prevent adultery in your marriage by making regular deposits in your spouse's love bank (meeting their needs) and avoiding withdrawals (disappointing them). If your spouse is having an affair, pray, search the Bible for guidance, ask the Holy Spirit for wisdom, and get counsel from your pastor, a counselor, and perhaps even trusted friends. Ask God to help you become the spouse He wants you to be, knowing that positive changes in you will attract your estranged spouse's attention and possibly motivate him or her to reconcile with you. If your spouse is not repentant, consider a separation to get your spouse to take the issues between you seriously, but don't rush to divorce. Always focus on love over anger; love is much more powerful. If you're having an affair, break it off completely, choosing never to see your lover again. Change your phone number and e-mail address, or even move or change jobs if that's necessary for you to make a clean break. Take time to grieve the relationship you lost, and heal from it. Expect it to take time for you to earn your spouse's trust back; be patient and willing to hold yourself accountable to your spouse.
Forgive. Always forgive your spouse for ways he or she offends you. Remember that God has forgiven you, and let your gratitude motivate you to do what He expects – forgive others. Rely on God to help you forgive, knowing that you can trust Him to help you every step of the way. Be honest about how you feel, allowing yourself to feel the pain, hurt, resentment, bitterness, and hate. Then submit yourself to God, and ask for His grace and power to forgive. Agree to live with the consequences of your spouse's sins against you, recognizing that you can't avoid them, but you can choose not to let them make you bitter. Release the offense and decide that your spouse is no longer in debt to you for it. Never bring the offense up to your spouse again, in arguments or any other discussion. Whenever your emotions recycle the pain or your spouse keeps offending you, continue to choose to forgive, but make it clear that you won't tolerate abuse. Get whatever help you need to break free of abuse if it's occurring in your marriage. Never take revenge; instead, trust God to work in the situation (perhaps through your church, family, or civil authorities) to bring about justice in the right way. Ask God to help you replace your old resentful feelings with Christ's forgiving love. Deal with painful memories by recalling good memories from your marriage as often as possible. Ask God to help you keep a healthy perspective on your marriage.
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By Jim Wallace - bio | email ALBANY, GA (WALB) - Just when lawn mowers are needed most along Georgia highways, the state is cutting back on cutting the grass.
Starting July 1st the state will slash the amount of mowing in half to save nearly $11 million.
Albany won't be affected as much by the cutbacks because the state pays the city to mow roads in Albany.
Albany is one of only four Georgia cities contracted by the Department of Transportation to mow the state routes in the city limits. City officials say they worry cutting back on mowing, especially this year, could be dangerous, but in Albany you will not have to worry.
The city of Albany is paid 150 thousand dollars by the state to maintain 43 miles of state routes in the city of Albany. Public Works Director Phil Roberson says he worries Georgia roads could become a threat with the mowing cutback, but is glad Albany city roads will stay maintained.
"It really can. It can become a sight hazard. It can become a hazard for fires and all sorts of things. That's why we try to mow once every five to six weeks," Roberson said.
This year the mowing and chemical herbicide programs are needed more than ever in Georgia, as the state has normal rainfall for the first time in five years. The grass is growing much more quickly now, and the yearly forecast promises roadside maintenance will be longer and more difficult.
"You are talking about a seven to eight month mowing season here in the Southeast. That can be problematic if you don't have a good chemical and mechanical mowing program to compliment each other. It can get out of hand," Roberson said.
Roberson worries that state routes could get out of hand as the state cuts back on mowing. Albany mowers are running full time to make sure the roadways here stay clean.
"It looks like the drought may be over, which is good news. But it just means a lot more work for us."
The state will also cut back on roadside trash collection. Georgia roadways could be littered with more coke cans and hamburger bags though The Department of Transportation says they will still take care of major debris on roadsides immediately.
The DOT will try to recruit more civic groups to adopt stretches of road and get them to hire landscaping companies to mow and maintain the highways.
©2009 WALB News. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed. Feedback
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Albany, GA 31706
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text:
The owner of a 2008 Lexus SUV left her car running on Lower Broadway June 6 to step inside 104 Broadway——according to a police report.
What happened next may encourage drivers not to leave the keys in the ignition when they do errands.
According to the police report, the car was stolen, ending up in the hands of a homeless man who took police on a car chase through Somerville and into Medford, a chase that ended after the Lexus crashed into four other cars and hit a retaining wall.
On top of that, the car's owner received a citation for leaving an unattended vehicle running.
The car chase began a little after 2:30 p.m. when an officer hear a BOLO—be on the lookout—for the stolen Lexus, the report says.
According to the report, the officer picked up a LoJack signal and then spotted the car on Lowell Street.
Several officers began chasing the car along Thurston, Lee, Richdale, Medford and Adams streets, according to the report.
At one point, the report says, the Lexus evaded a roadblock by veering at high speed around a cruiser stationed on Medford Street.
The chase proceeded through Magoun Square and onto Dextor Street in Medford, the report says.
In doing so, the homeless driver sideswiped a 2012 Cadillac, hit a 2007 Chevy Aveo, scratched up a police cruiser, hit a 2000 Chrysler Concorde and then smashed into a retaining wall at the corner of Bow Street and Strathmore Road in Medford, according to the report.
Police arrested the driver, 24-year-old Michael Splaine, after he tried to continue the chase on foot, the report says.
Medford police responded but deferred action to the Somerville Police Department, the report says.
Splaine was charged with reckless operation of a motor vehicle, driving with a suspended license and receiving a stolen motor vehicle in addition to various charges related to driving the wrong way and failing to stop at stop signs. Police also found a bag containing American Express gift cards, and Splaine was also charged with credit card fraud.
As mentioned above, the owner of the stolen Lexus received a citation for leaving an unattended vehicle running.
Please remember that allegations contained in police reports do not indicate a conviction.


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Twitter, the Urban Front Porch
Maybe Twitter is turning New York City into a bunch of Small Town USAs. The thought popped into my head not long after my wife started looking out the window at the helicopter circling our Chelsea neighborhood Monday night. The chopper kept shining a light on a few buildings near 24th Street and Seventh Avenue. [&hellip
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Slider by IWEBIX
Best Out of the Box Beauty SecretsThursday, August 15, 2013
If you think you've tried everything under the sun, think again fashionistas! Today we have 5 out of the box beauty tips that will really blow your mind. It's amazing what you can achieve when you think outside of the box. These beauty tips are so smart we guarantee you'll end up trying at least one. Without any further delay, check out our list of beauty secrets below. Tip#1 – Keep oil under control. In order to keep your face from getting oily, put deodorant on your fingertip and dab it underneath your eyes and on your T-zone to create… More
How to Become a Sleeping BeautyMonday, May 20, 2013
Rest is essential to your health and beauty in many ways. Studies have shown that proper sleep can help with everything from weight loss to skin complexion. Today we have 5 helpful tips to help you wake up a lot more refreshed and just a little more pretty. All it takes is just a couple of extra minutes before you go to bed to ensure that you're getting sufficient beauty sleep. Tip#1 – We've all been told since we were little girls that falling asleep in braids is good for your hair; well it is good for your hair and… More
Makeup Moves To Avoid Looking OlderThursday, April 4, 2013
It would be nice if all beauty routines were created equal, but sadly they are not. Cosmetics in general alter the shape, tone and proportions of your face and body. There are ways to look older and there are ways to look younger, so it's very important to do what works for your age and to learn about what frames and sculpts your face to look its best. Dior Rosy Glow Healthy Glow Awakening Blush Petal, $44 Blush on the Apples of the Cheeks: You don't want to do this because as you get older the skin starts to sag… More
Top Beauty Books You Should OwnTuesday, March 26, 2013
Beauty intelligence is sexy. If you're serious about your beauty like we are, then you're definitely reading the right article. There are a few beauty bibles that you should check out right away. These books will give you some inside knowledge about the world of beauty. Rather you're a beginner in beauty or veteran these books will suit your fancy. Check out which beauty books we recommend for you below. Book#1 – The Bobbi Brown Makeup Manual – Bobbi Brown is a very well know makeup guru. Who wouldn't want to get tips from a master makeup artist such as… More
Top Secrets to Pulling Off Bright MakeupTuesday, March 19, 2013
Bringing out the brightness in your beauty may be a leap that many are hesitant to take this spring, but fear not fashionistas we have prepared some very helpful beauty tips for pulling off bright makeup. Rather on your lips, on your eyes or on your cheeks; a bright accent done right can be a perfect addition to your outfit this spring. Use our helpful hints in your daily to keep your spring make up on trend. Tip#1 – First and most importantly, your makeup and your outfit should always be in the same color family. For example, if you're… More
Best Beauty Tips From the Spring RunwaysSaturday, March 2, 2013
Today we're going to give you five fabulous beauty tips from the spring runways. This season is all about bold statements in makeup. From bright liner to graphic designs, the crazier you go the more props you'll get. Check out what you should be doing this spring to stay on trend in the beauty department below. Tip #1 – Frame your eyes with color. There is nothing sexier than bright eyes. Create this look using a bold color eye pencil or a vibrant eyeshadow to really make your eyes pop. Tip #2 – Amplify any look with loose glitter. Feel… More
Refresh Your Look: New Spring Summer Hair TrendsSunday, February 24, 2013
There's nothing like a fresh style to get the new season started with a bang. Rather you're transitioning into a new relationship, job, or breaking old habits, changing your hair style is one of the biggest things you can do because you are changing essentially your entire look. Like anything else change takes some adjusting to, but in the end you'll find a different layer of yourself that you probably never knew existed. Sounds empowering – right? Well it is. Check out what steps you can take to get new spring summer hair. Go ahead and hit the refresh button…. More
Best Of 2012: Nail TrendsWednesday, December 26, 2012
We saw manicures go through some transitions this year. Top on our list this year are gel nails, nail art and the infamous dagger nails. We saw manicure on a whole new level of self expression. More nails styles celebrated the holidays and special occasions with creative decorations and patterns. Gel nails introduced us to flawless shine and a less harsh application of synthetic nails. Check out more about the nail trend we'll be seeing more of in 2013 below. Gel Nails Over the counter or in the salon gel nails came full swing in 2012 and show no signs… More
Good Scents: Top Celebrity Fragrances of 2012Thursday, December 6, 2012
Every year more and more celebrities are introducing signature scents to the general public. This year we saw more than a few unexpected perfumes hit the stands and fizz out shortly after and then we came across a few that showed great staying potential with unique little details that separated them from the rest. Check out which fragrances rose above the rest below. We went gaga over the new Lady Gaga fragrance this year. The perfume is naturally called Fame and features a super fierce Goth inspired bottle. The other unique element of this fragrance is the black fluid. Leave… More
Must Try Holiday Makeup SolutionsMonday, November 19, 2012
Check out our top tips to help you maintain a flawless face and get your makeup look right this holiday season. Shiseido Shimmering Cream Eye Color Techno Gold, $25 Make your eyes a priority for any of your holiday makeup looks. You can't go wrong with sweeping a nice gold or champagne shadow over your lids to brighten up your eyes. After you've applied your lighter shadow opt for an application of mascara and avoid lining your eyes with a dark pencil or blending with a dark colored shadow, so you don't lose the lightness of your eye look. LORAC… More
Give Your Hair a Bump for the HolidaysThursday, November 15, 2012
Bump it high and make it full fashionistas! Experiment with elegant updos and look your best in full romantic curls. Adding volume and height to your hairstyles is the best way to create special hairstyles for the holiday season. Rather you're looking to create a goddess look or prefer an old glamour look; a nice bump will help you create the looks you're looking for. Get some ideas from celebrity fashionistas who rocked top holiday season looks below. Jennifer Needles at the CMAs 1. Use a paddle brush to back comb all the hair at the crown of your head…. More
Holiday Beauty Trends: Lips, Eyes and HairThursday, November 8, 2012
Geometric eye makeup, blunt bangs and dramatic red lips are all you need to make your holiday look pop this season. These styles are unconventional and take a lot of confidence to wear, but we encourage all of our readers to be daring this season and carry these trends into the New Year. Good bye cat eye and hello geometric cat eyes. This look features boxy corners and linier lines. You can also use strategically placed dots to give your eyes a graphic new shape. Designers like Zac Posen, Giorgio Armani and Lanvin have used this look in their recent… More


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St. Matthew Passion (Highlights)
Released: Dec 1993
Label: Naxos
Sung during the Easter holy week, St. Matthew Passion is one of Bach's most treasured sacred works. From the opening choral to the famous aria, this 1993 Naxos recording of the Hungarian State Opera and Symphony Orchestra is a surprising, clearly recorded and well-performed delight. Bass singer Peter Koves shines with emotion, control and excellent diction on "Mache dich…" among others.
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Sunday, August 23, 2009
GENERAL: The Wright Law Offices in Las Vegas, Nevada
Please visit our website at www.wrightlawnv.com for more information.
CIVIL: Nevada Supreme Court Sides with Cigarette Company--and I Agree with Them
A man named Joe lost his wife in 1999 to brain cancer. The wife, Pam, had smoked for thirty years, starting in 1969, until she got lung cancer, which lead to her brain cancer. Back when Pam started smoking, cancer-stick companies only had to put general health warnings on the packages. It wasn't until the 1980s that the warning labels had to include the threat of cancer.
Joe then did the American thing; he sued the manufacturer of Pam's particular brand of coffin nails, Phillip Morris, in a Nevada federal court. He, or his attorney, told the court that Phillip Morris is strictly liable for Pam's death. Strict liability is a lawsuit claim used when a business sells a dangerous product. If Joe can prove that Phillip Morris caused Pam's death, Phillip Morris will have to pay. But Joe did not want to have to prove his case. Instead, he wanted the Court to make Phillip Morris prove that they did not cause her death. Usually a Plaintiff has to prove his case, but here, Joe figured the wicked Phillip Morris must disprove its case without Joe having to prove the normally required element of causation.
Joe basically wanted the court to tell the jury that the jury could presume that if the cigarette packages had the cancer warning when Pam started smoking, she would not have started smoking. In other words, Joe wanted the jury to assume from the beginning that Phillip Morris is in the wrong and Phillip Morris then had to prove that it was not in the wrong. Somehow, Phillip Morris would have to provide evidence that Pam would have smoked their cigarettes even if the cancer warning label had been on the packages--clear back in the 1960s. Come on now, that was the 1960s, dude. Do you really think a lot of the young people back then would have listened to warnings? I mean, gosh, wasn't that the time of experimental drug use. Also, wasn't the military actually handing out packs of cigarettes to the soldiers?
Anyway, Phillip Morris did not want to have to try to prove to a jury that Pam would have ignored the warning labels. They told the federal judge that this "heeding presumption" should not apply in this case. A heeding presumption is what I've been talking about--a jury may presume that a person would have heeded a warning if a warning had been given and the defendant then has to try to prove that the person would not have heeded the warning. It's almost like a religious person asking an atheist to prove that God does not exist.
Well, since this is a federal case in Nevada and the federal judge did not know what to do, the judge decided to ask the Nevada Supreme Court what it thought. Does Nevada condone "heeding presumptions" like some other States do? The Nevada Supreme Court answered, "No!" Phillip Morris therefore won this little skirmish. Joe would have to prove causation.
You might ask why the Nevada Supreme Court would side with the manufacturers of death on this issue. Well, our scholars in black robes said that a heeding presumption is contrary to Nevada law and public policy. The Nevada Supreme Court is correct on the law issue. Nevada has never allowed heeding presumptions. And, I believe their point about public policy is sound too.
Joe said that other States have heeding presumptions because it forces companies to better label their products, and therefore heeding presumptions are good for the public, so they are good public policy. If companies knew they could be sued for not properly labeling their dangerous goods, then they would label them better.
Nevada is smarter than those other States, though, because we tell the companies that sell stuff here to make sure the stuff isn't dangerous in the first place. If it's not dangerous, then why would you have to warn? In other words, the public is safer when companies can be sued for strict liability. Warning labels do not make us safer, safer products do. I'll end this with a Supreme Court Justice's quote from the case:
[…] we strongly adhere to the principle that a manufacturer must make products that are not unreasonably dangerous, no matter what instructions are given in the warning. Therefore, we conclude that it is better public policy not to encourage a reliance on warnings because this will help ensure that manufacturers continue to strive to make safe products.
If you still want to read this long, boring Nevada Supreme Court decision after I have taken all the trouble of explaining it, you may. The decision is called Rivera v. Phillip Morris, and it was decided in June 2009.
Copyright: August 23, 2009
By: Anthony M. Wright, Juris Doctor
Friday, August 21, 2009
CIVIL: Win Some, Lose Some—Suing Insurance Companies can be a Roller Coaster Ride
You quickly realize that you have your own insurance policy which has "under-insured motorist" coverage, abbreviated to "UM". Hey—your mother was worth more than $1,000,000 and so clearly the other driver was under-insured because his policy limit was a measly one million. You, or your lawyer, cleverly decide to try to get your insurance company to pay more with the idea that your insurance company should pay you for the death of your mother.
Your mean-spirited insurance company then says, "No way! Your under-insured motorist coverage only pays you when someone hits you. It does not pay you if someone hits your mother. Your mother was not insured under your policy."
But then you, or your brilliant attorney, argue that you ought to still be entitled and so you sue your insurance company under that theory. And, voila, your local elected judge agrees with you! Magic! You are entitled to more compensation! Did you see that coming? Well, many lawyers might see that coming since elected judges answer to citizens who vote and also gossip with other citizens about a judge's merit, but insurance companies are not citizens who vote (but let us not get too carried away with local politics because insurance companies lobby congress and probably buy legislative votes on laws that favor them on a much larger scale than locally).
So, you have won another financial victory in honor of your dead mother. Or have you? Don't celebrate too quickly. The insurance company appeals the district court judge's ruling in your favor and the mean-spirited Nevada Supreme Court actually agrees with your mean-spirited insurance company. Mean-spirited people often think alike, don't they? Therefore, the moral of this story is that your UM coverage is for you and others that are listed as insureds in your policy, but do not cover people who are not listed, no matter how near and dear they are to you.
This scenario is more boringly but fully described in the case Allstate Insurance Company v. Fackett.
Copyright: August 22, 2009
By: Anthony M. Wright, JD
CRIMINAL: Unloaded Toy Pellet Guns are Considered Deadly Weapons by the Nevada Supreme Court
Anyway, he ran from the cops who waited for him to exit the bank, and they finally caught him in an apartment complex hiding behind a washing machine. The cops saw the stolen loot and toy gun. He was convicted of the three crimes and decided to appeal while rotting in prison. The Supreme Court took one look at this scumbag's argument, and disagreed with him. Berry thought that he was being clever by using a toy gun. His limited intellect told him that maybe he wouldn't get hard time if he used a toy instead of a real weapon. Surely a judge would think he wasn't so bad since he could not have killed with an unloaded toy.
Well, the unloaded toy was still considered a deadly weapon, partly because it could potentially be adapted for such since it had a spring mechanism, trigger, and the potential to shoot a pellet or perhaps .22 bullet. Also, he intended for his victim to believe it was a deadly weapon in order to effectuate his crime. The victim, if she had been allowed to have a handgun on her while working at the bank, could have shot him in "apparent" self-defense because she would have reasonably believed her life was in danger.
The moral of this tale--don't be stupid.
Copyright: August 21, 2009
By: Anthony M. Wright, J.D.
CRIMINAL: Criminal Defendants Better Hope Witnesses Against Them Live to Testify at Trial
Wednesday, August 19, 2009
CRIMINAL: Were you lying then or are you lying now?
Whether you committed a crime or not, you have the right to remain silent when being questioned by an authority figure. The right against self-incrimination is a constitutionally protected fundamental right. This article will point out a few of the reasons you should keep your mouth shut.
Reason 1.
The police are not there to help you. They are there to gather evidence against you. Officers will play the good cop by acting like they want to understand you and will be on your side. Then, if you are less than forthcoming, the same cop or another one will become angry and attempt to threaten you into confessing. Do not fall into these traps.
The officers might act like they are just conversing with you. The fact is that they want to gather sufficient evidence so that they have probable cause to arrest you, at which point they will read you your rights-but it could be too late already if you confessed. The officers will say that you confessed voluntarily, even if they manipulated you long before they arrested you. Who are you to then stand up in court and call our fine peacekeepers liars?
Reason 2.
Officers can purposefully or negligently miss-write on their reports what you told them. Police reports are considered to be pretty good evidence in court. When you take the stand and recount under oath the events leading up to your arrest and what you say does not match up with the police report, the District Attorney can then ask you the damning rhetorical question of, "Were you lying then or are you lying now?"
Reason 3.
If you told the police anything, whether you are innocent or not, you have just made it much more difficult for your attorney later on to present a theory of the case that could show you are not guilty. By speaking to the officers, you are reducing your possible defenses.
A wise man once said something to the effect of "a person is not condemned by what is put in the mouth but by what comes out of." Therefore, when approached by an officer, be polite, courteous, and quiet.
CRIMINAL: Cruel and Unusual: How Prosecutors Punish Criminals
CRIMINAL: Traffic Tickets in the Las Vegas Valley
Thus, our little metropolis has four parts patrolled by police that belong to each jurisdiction. Las Vegas Metro cruises around Las Vegas and Clark County, however the cops in Henderson stick to Henderson and the cops in North Las Vegas stick to North Las Vegas.
When you get a citation, one of the first things to look for on the citation is which jurisdiction you are in. It is possible that the cop cited you outside of his jurisdiction. If so, do not argue with the "peace" officer because it could ruin your day, if not your life. Instead, smile warmly, thank him for protecting public safety, and take the ticket to an attorney who will argue the jurisdiction issue before a judge or district attorney who will likely dismiss the citation or greatly reduce the severity--say reducing it from speeding 25 mph over the limit to a parking ticket.
You should consider a few things when you receive a ticket. Yes, you are probably guilty. If you are guilty, you committed a crime. The crime is a misdemeanor, which is the least severe crime to be charged with. Even though a fine is usually the punishment, jail time and community service are also at the Judge's disposal, along with requiring traffic school, and points on your driving record--which can result increased insurance premiums.
If it makes you feel better, consider it not a punishment but a user tax. If you use your vehicle a certain way, expect to pay a tax for doing so. The jurisdictions raise revenue through these user taxes. We live in a state that has no personal income tax, so be grateful about that. However, do not ignore the court appearance date or you could be faced with a "bench warrant" for your arrest. This is not fun because you will likely go to jail if stopped again. In addition, an attorney will charge extra to quash the warrant.
Please note, the worst thing you can do is act upset with the police officer who stopped you. They may treat you very poorly, they may search your person (it's called a "Terry Pat Down Search") to look for a weapon or drugs...likewise they may search the passenger compartment of your car all in the name of officer safety. They may do these things on their own initiative, but if they ask to search, politely refuse to consent. If they have to ask, then they probably do not have the requisite reasonable suspicion or probable cause to do it without your consent. It is not wise to consent to a search because cops can literally tear your car apart as part of the search. And then there is the possibility that someone left contraband in your car that you were never aware of-try denying it is yours-I dare you. Cops, district attorneys, and judges have heard that argument a hundred billion times. The best thing to do is to not consent to a search no matter how innocent you believe you are.
Officers are sometimes known to violate Civil Rights and the law, but they have the guns and their buddies in blue to back them up, therefore it is in your interest to be on their best side. The best revenge for a traffic ticket is to hire a lawyer to represent your interest at the courthouse.
Usually lawyers can settle the ticket and you'll end up only having to pay a fine. If you are the type of person to get tickets all over the valley, you should note that some jurisdictions have much heftier fines than others do. I will not tell you which because I want you to be on your best behavior while driving at all times, but just know that a ticket in one part of town may be 5 times more expensive than in another part of town--even after the ticket has been reduced.
My public service message to you is to treat the ticket like a user tax, smile at the officer politely so that you can live to pay the fine. Most importantly, hire my firm to represent you for your traffic citation. By doing so, you will not have to appear in court-which could be an all day affair for you and I think you probably have better things to do. Call me and ask us what we charge, I firmly believe that when you know what you get from an attorney for the money you pay, you will deem it worthwhile to hire an attorney for your tickets.
CRIMINAL: Riding Your Bicycle and Other Arrestable Offences
Crimes in the United States are generally classified as misdemeanors, gross misdemeanors, and felonies. Misdemeanors generally are crimes that are not very serious such as speeding. Gross misdemeanors are crimes that we consider more dangerous or more serious, and felonies are the crimes that generally involve evil intent and victims.
The Supreme Court of the United States has held that police officers may arrest any person if there is probable cause of a crime. It is within the cops' discretion to arrest you if you were speeding in your car, throwing a cigarette on the ground, loitering, and riding your bicycle without using proper hand signals. The probable cause comes from the officer witnessing you committing the crime.
Some cops will arrest you and justify the arrest in the police report by claiming you were belligerent and they did not believe you would sign the citation in which you promise that you will show up in court. This could be a lie on the part of the officer, but without video footage of the arrest, it is your word against the police.
Law-abiding citizens are often arrested on minor offenses because they are shocked by the attitude they are given by police who stop them. Surprised at being stopped and at the condescension of the officer, the misdemeanant will say something to the effect of "I know my rights."
If you argue with the cop or offer an excuse for you behavior, you could be doing yourself a grave disservice. I can tell you of a cop who stopped this fellow for speeding. The fellow said that he had not seen the speed limit sign, hoping the cop would understand and let him go with a warning. Instead, the cop wrote him the citation for speeding and added another citation for inattentive driving.
Cops do not like to hear any lip and can arrest you. Cops do not care that you already feel humiliated that you are being charged with a crime when you believed you were adhering to the law. They do not care that you are a law-abiding taxpayer and you pay for their salary.
Some of the slickest criminals are ex-felons. They understand the cop psychology and act with the utmost respect toward the officer, saying "Yes sir" and "No sir" and "thank you for informing sir". Even though these ex-felons probably do not pay much by way of taxes and are not responsible for contributing to police salaries, police treat them much nicer sometimes.
If you act like the boot-kissing sycophant with a cop, the Cop may think you are a convicted criminal, however generally the cop will treat you better than if you act like a law-abiding citizen who knows his rights.
Be calm, courteous, and quiet with police officers when stopped. If they harass you, keep your cool or you will fuel their adrenaline and make them more apt to treat you worse.
FAMILY: Removing Your Child From Nevada
FAMILY: Parental Alienation
They can be believable by keeping journals of fictional accounts where they claim the other parent yelled at them in front of the child, or threatened them, etc. They will have family members vouch for them in court and lie on the stand.
This all being said, the court is faced with a serious dilemma, whom to believe. It is therefore recommended that both parents keep journals detailing the raising of the children so that memories cannot fade. One reason people appear to lie on the stand is that they have forgotten something from the past. I also strongly encourage parents to video tape all exchanges and activities.
Parental alienation, however, is even more insidious than accusations of abuse or neglect. It is a form of conscious or unconscious mental and emotional coercion where one parent will cause the child to believe certain things about the other parent, causing the child not to want to be with the other parent.
A few examples include:
--Spoiling the child with material possessions with full knowledge that the other parent does not wish to spoil the child. The child will then favor the parent who gives in to all the material demands of the child and will dislike the parent who is trying to teach patience and humility.
--Speaking badly of the other parent. Suggesting the other parent does not really love the child or that the other parent is very immoral or evil human being.
--Undermining the other parent's efforts to teach morality by teaching a counter-morality.
A parent who has to deal with another parent who alienates their child should take steps early on to prepare for court battle. The more evidence presented at court by one parent will cause the court to believe the presenting parent. A child should not be a pawn in a battle for vengeance and the parent who clearly has the child's best interest at heart should win with the proper presentation.
CRIMINAL: Sealing or Expunging a Federal Criminal Record
Tuesday, August 18, 2009
GENERAL: Arguing in the Alternative: Spirit vs. Letter of the Law
In law, judges often face the issue of whether to follow the letter of the law or to follow the spirit. This issue is by no means a new one and has probably been around since humankind first learned to write. It is one of the major reasons to have lawyers.
Judges are supposed to interpret laws; this is their primary function. Judges generally are not supposed to create law; that is the job of the legislature. However, sometimes legislatures draft laws without really thinking about all of the potential problems with interpretation. Savvy lawyers will use these loopholes created by confusing language to influence a judge's decision.
Lawyers who say that a law is black and white do not want judges to interpret beyond the "four corners" of the statute. They will argue that if the legislature wanted the law to be different, then they should revise the wording. Until then, the judge should apply the law in the strictest sense.
Lawyers who want the spirit enforced wish to make the judge consider why the law was enacted in the first place. They argue that the motivation for the law is more important than the actual language.
By way of example, let us say a statute declares, "Any person caught drinking and driving is guilty of a misdemeanor, for a first offence, punishable of up to a year in jail, or for a second offense, is guilty of a felony, punishable of not less than one year and not more than 5 years."
Willy is pulled over by a police officer and is cited for drinking while driving. Willy was in fact drinking water out of a plastic bottle while stopped at a red light.
Willy hires me because the prosecutor wants to make an example out of him and send a message that violators will be punished. I read the statute and laugh at how stupid the legislators were in drafting the statute.
I decide that I want to influence the judge by making the judge consider the spirit of the law. The legislature wanted to punish people for drinking alcoholic beverages while driving the vehicle, but the legislature neglected to clarify this in the statute.
The prosecutor does not care about the motive. He wants a conviction because he believes that drinking anything while driving is dangerous. He tells the judge that if the legislature meant "alcoholic" beverage then it should revise the law, in the meantime Willy must go to jail.
The judge appears to believe the prosecutor's viewpoint. I can see it in the glint of his eye. The judge has been embarrassed in the past because he did not follow the statutory language to the letter and a higher judge overturned his decision. Now, I am beginning to feel like I am losing.
So I might say, "Your honor, I fully understand that the letter of the law should be applied even if the intent was to curtail alcohol consumption while driving. If we are going to look at the plain meaning of the statute and not consider the motivations of the legislature, then it is important to consider that Willy was not in fact driving when he drank. The statute clearly states that a person must be driving, however Willy was stopped at a stop light. Thus, by the very language of the statute, he is not guilty of violating the law."
The judge's grimace lightens, his face softens. He never wanted to agree with the prosecutor but felt he had to because the statute seemed clear. My argument, however weak, would be enough to get Willy off.
The prosecutor might argue that Willy simply being in the car with the motor running was "driving" but because the statute did not define the word "driving" the judge is free to interpret the word. The judge could say "driving" meant only the condition of being in motion.
So, in this example, I might have lost on the strong argument that the spirit of the law was more important than the letter of the law, however I won on a much weaker argument. This is sometimes the case.
There was a time about 2000 years ago when a group of legal interpreters focused so much on the letter of the law that challengers were killed. These scholars went through hundreds of scenarios to determine if people were guilty of violating the word of the law. Now, the really interesting thing about the words of these laws were that they were considered holy, direct from the mouth of God. Thus, the scholars wanted to make sure that they interpreted correctly. How better to make sure the word of God was followed than to strictly construe the meanings of the words?
Therefore, according to their interpretation, a person who saved his work camel from drowning in pouring rain on Saturday was guilty of working on the Sabbath and punishable.
Then came a guy who said that the spirit of the laws was more important then the literal meaning of the writing. He explained that the motive behind the laws was to create a happy life for the adherents and give believers hope and joy. The scholarly interpreters (aka "the Pharisees") did not like this obnoxious trouble maker who thought he understood better than they, so they called the police and had him arrested. Then they told the judge that he was causing too many problems with his ideas. If the government wanted peace, they would have to silence this interloper. So they did. They killed him.
Whether this story about Jesus and the Pharisees is literally true does not matter. The spirit of the story tells us that lawyers, like Jesus, can get in a lot of trouble for upsetting the time-honored ways of doing things.
Lawyers know that whether you argue for letter or for spirit, you must be prepared to suffer the consequences, so, they argue for both. You will note that in my example about drinking and driving, I explained how I would use both tactics. I argued spirit first and word second because my goal in this one instance was not to change the stupidly drafted law. Nope--my goal was to free Willy.
Lawyers are often accused of speaking out of both sides of their mouths. Incidentally, most politicians are lawyers too. There is a reason for it. We want to cover all of our bases. If one argument won't win, try another even if it seems contradictory. Its called, "arguing in the alternative". Have a nice day!
Copyright: May 2007


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Okay, I'll admit it. Three years ago I recall sitting in this chair and feeling a little bored with the same old topics at the data grindstone. It was all important stuff and remains so, but felt a little like old news. 2008-2009 saw the serious emergence of data governance, a welcome business development (that was also a sign of more maturity in the space).
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OWENSBORO, KY - Eric Lee Donofrio, 41, of Owensboro passed away Sunday, January 15, 2012 at Vanderbilt Hospital.
He was born June 15, 1970 in Okaloosa County, Florida. He was employed at River Valley Strategic Partners and was a US Army Veteran. Mr. Donofrio was a member of Church for All and enjoyed witnessing for the Lord and riding his Harley.
He is survived by his wife, Tory Donofrio, his children, Jordan Banks and Yonterry Banks, both of Owensboro, his parents, Maundy and Brenda Donofrio of Hill City, SD, his birth mother, Mary Hendon Alexander of Owensboro, 4 sisters, Angela Hendon of Owensboro, Danielle Smith of Columbia, MO, Elizabeth Donofrio of New Port Richey, FL, Michelle D'Onofrio-Jones of San Diego, CA. and a host of aunts, uncles, nieces and nephews.
Services will be 11:00am Friday, January 20, 2012 at The Church for All with burial to follow in Resurrection Cemetery.
Visitation will be from 5:00 to 8:00pm Thursday at Haley-McGinnis & Owensboro Funeral Home Chapel and from 9:00 to 11:00am Friday at Church for All.
The family requests expressions of sympathy be made in the form of donations to The Leukemia Society of America, Kentucky Chapter, 710 West Main, Louisville, KY 40202.
Online condolences may be made at www.haleymcginnis.com.
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Fenix® HP11 High - Intensity LED Headlamp
Item # WX2-214175
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Fenix® HP11 High - Intensity LED Headlamp... strap on a bright beam for no - hands navigation under the sink and elsewhere!
Hands-free, professional-grade lighting! The HP11 High-intensity LED Headlamp slips over your head with a comfortable harness... features up to 277 lumens on "turbo" mode, which is perfect for working under the hood or under the sink without a mouth full of flashlight.
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Customer Reviews
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Determinants of net interest margin under regulatory requirements: an econometric study
AbstractUsing data for the period 1995-96 to 1999-2000, this paper seeks to identify the factors influencing spreads of Scheduled Commercial Banks in India. Among the explanatory variables, we incorporate, in addition to the standard set of variables, regulatory requirement variables. Our analysis reveals that (i) size does not necessarily correlate with higher spread, and (ii) higher fee income enables banks to tolerate lower spreads. With regard to regulatory requirement variables, it is found that (i) capital plays an important role in affecting spreads of public sector banks, and (ii) non-performing assets is uniformly important across all bank groups in influencing spreads.
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Bibliographic InfoPaper provided by University Library of Munich, Germany in its series MPRA Paper with number 33302.
Date of creation: 27 Jan 2001
Date of revision:
Handle: RePEc:pra:mprapa:33302
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Related researchKeywords: Net interest margin; regulatory requirements; banking; India;
Find related papers by JEL classification:
- C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
ReferencesReferences listed on IDEAS
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- S. Baranzoni & P. Bianchi & L. Lambertini, 2000. "Market Structure," Working Papers 368, Dipartimento Scienze Economiche, Universita' di Bologna.
- Ho, Thomas S. Y. & Saunders, Anthony, 1981. "The Determinants of Bank Interest Margins: Theory and Empirical Evidence," Journal of Financial and Quantitative Analysis, Cambridge University Press, Cambridge University Press, vol. 16(04), pages 581-600, November.
- Adolfo Barajas & Roberto Steiner & Natalia Salazar, 1999. "Interest Spreads in Banking in Colombia, 1974-96," IMF Staff Papers, Palgrave Macmillan, vol. 46(2), pages 4.
- Williams, Barry, 1998. "Factors affecting the performance of foreign-owned banks in Australia: A cross-sectional study," Journal of Banking & Finance, Elsevier, Elsevier, vol. 22(2), pages 197-219, February.
- Sarkar, Jayati & Sarkar, Subrata & Bhaumik, Sumon K., 1998. "Does Ownership Always Matter?--Evidence from the Indian Banking Industry," Journal of Comparative Economics, Elsevier, vol. 26(2), pages 262-281, June.
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Rhopalostylis sapida
Rhopalostylis sapida "Feather Duster Palm" Natural Habitat: Naturally found throughout the rainforest and costal areas of New Zealand and its surrounding island's Description: A large solitary palm that can reach heights around 30 feet tall. It has a short light green or yellow crownshaft that has a large unmistakable bulge where it meets the trunk. The 10-15 branches emerge from the crown in a tight upright arrangement, similar in appearance to a broom or feather duster (hence the common name) The leaves are light green, stiff, and also point upright. The trunk is gray and rigid due its leaf scares Environment: This palm enjoys a temperate sub-tropical environment where it will get both sun and shade during the day. It likes a protected area, where it can be protected from strong winds that tend to rough up the leaves, giving them a tattered appearance. This palm is cold hardy into the 20's and can take light freezes with minimal to no damage as an adult tree. Zone 8-10. This palm does not enjoy high humidity levels. As a young tree it enjoys more shade then sun, and will grow faster and larger in a shaded area. As a seedling this palm enjoys a shady area where it can get plenty of water


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The 18th Annual Caring For Kids Luncheon to benefit St. Anne's Children & Family Center and Morning Star Boys' Ranch will be held Thursday, Sept 25th at 11:30am. Nada Stockton, athlete, mother to six, and wife of basketball great John Stockton, will be speaking about the power of "teamwork" in raising healthy children in our community.
Join us for a fun-filled morning of service ~ Saturday, November 1st 8:30am-1pm.
Meet at O'Malley Hall at St. Aloysius Church for coffee, muffins, and instructions then head out to rake leaves for low-income seniors and disabled adults. Lunch provided after. Please register at 509.459.6172 or firstname.lastname@example.com.
On Thursday September 25th, we will host our 18th annual Caring for Kids luncheon to benefit St. Anne's Children and Family Center and Morning Star Boy's Ranch. This year's theme - "It takes a community, a village, a team, a family…to raise healthy children" resonates deeply as Summer 2014 comes to an end.
In this issue…our successful Vinegar Flats Garden Party recap, F...more
"It takes a village, a community, a team"… read dive...more
On Thursday September 25th, we will host our 18th annual Caring for Ki...more
Wildfire Relief, Summer of Service, Remembering Margaret Hinnenkamp, a...more
Please join us to celebrate the importance of "teamwork&...more
Formerly known as the Poor Man's Meal, this 29th annual ev...more
Please Join Us! Saturday, November 1, 2014 8:30 am - 1:00 pm ...more
Promoting an awareness of poverty and its many effects. M...more


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Green Tea Benefits – Tea has been cultivated for centuries, beginning in India and China. Today, tea is the most widely consumed beverage in the world, second only to water. Hundreds of millions of people drink tea. There are three main varieties of tea — green, black, and oolong. The difference is in how the teas are processed. Green tea is made using the leaves of the Chinese Camellia sinensis plant that are then applied to heat quickly after picking, either by steam or by dry cooking in hot pans. These methods minimizes oxidation and reportedly contains the highest concentration of powerful antioxidants called polyphenols. Green tea is made from unfermented leaves and . Studies suggest that green tea (Camellia sinesis) in particular has many health benefits.
People have been talking about green tea benefits for many years now, and with over a decade of research on the health benefits of green tea, it's easy to see why so many people regularly drink it.
Antioxidants are substances that fight free radicals — damaging compounds in the body that change cells, damage DNA, and even cause cell death. Many scientists believe that free radicals contribute to the aging process as well as the development of a number of health problems, including cancer and heart disease. Antioxidants such as polyphenols in green tea can neutralize free radicals and may reduce or even help prevent some of the damage they cause.
In traditional Chinese and Indian medicine, practitioners used green tea as a stimulant, a diuretic (to help rid the body of excess fluid), an astringent (to control bleeding and help heal wounds), and to improve heart health. Other traditional uses of green tea include treating gas, regulating body temperature and blood sugar, promoting digestion, and improving mental processes.
Results from these studies suggest that green tea may help treat the following health conditions:
Lowers Risk of Cancer
Although the studies of how green tea affects cancerous cells are still in their infancy, there have been human trials which indicate that it does inhibit cells from developing cancer. Several population-based clinical studies have shown that both green and black teas may help protect against cancer. For example, cancer rates tend to be low in countries such as Japan where people regularly consume green tea. However, it is not possible to know for sure from these population-based studies whether green tea actually prevents cancer in people.
Bladder cancer. Only a few clinical studies have examined the relationship between bladder cancer and drinking tea. In one study that compared people with and without bladder cancer, researchers found that women who drank black tea and powdered green tea were less likely to develop bladder cancer. A follow-up clinical study by the same group of researchers revealed that people with bladder cancer — particularly men — who drank green tea had a better 5-year survival rate than those who did not.
Breast cancer. Clinical studies in animals and test tubes suggest that polyphenols in green tea inhibit the growth of breast cancer cells. In one study of 472 women with various stages of breast cancer, researchers found that women who drank the most green tea had the least spread of cancer. It was especially true in premenopausal women in the early stages of breast cancer. They also found that women with early stages of the disease who drank at least 5 cups of tea every day before being diagnosed with cancer were less likely to have the cancer come back after they finished treatment. However, women with late stages of breast cancer had little or no improvement from drinking green tea. There is no clear evidence one way or the other about green tea and breast cancer prevention. In one very large study, researchers found that drinking tea, green or any other type, was not associated with a reduced risk of breast cancer. However, when the researchers broke down the sample by age, they found that women under the age of 50 who consumed 3 or more cups of tea per day were 37% less likely to develop breast cancer compared to women who didn't drink tea.
Ovarian cancer. In a clinical study done with ovarian cancer patients in China, researchers found that women who drank at least one cup of green tea per day lived longer with the disease than those who didn't drink green tea. In fact, those who drank the most tea, lived the longest. But other studies found no beneficial effects.
Colorectal cancer. Clinical studies on the effects of green tea on colon or rectal cancer have showed conflicting results. Some studies show decreased risk in those who drink the tea, while others show increased risk. In one study, women who drank 5 or more cups of green tea per day had a lower risk of colorectal cancer compared to non-tea-drinkers. There was no protective effect for men, however. Other studies show that drinking tea regularly may reduce the risk of colorectal cancer in women. More research is needed before researchers can recommend green tea for the prevention of colorectal cancer.
Esophageal cancer. Studies in laboratory animals have found that green tea polyphenols inhibit the growth of esophageal cancer cells. However, studies in people have produced conflicting findings. For example, one large-scale population-based clinical study found that green tea offered protection against the development of esophageal cancer, particularly among women. Another population-based clinical study found just the opposite — green tea consumption was associated with an increased risk of esophageal cancer. In fact, the stronger and hotter the tea, the greater the risk. Given these conflicting results, more research is needed before scientists can recommend green tea for the prevention of esophageal cancer.
Lung Cancer. While green tea polyphenols have been shown to inhibit the growth of human lung cancer cells in test tubes, few clinical studies have looked at the link between drinking green tea and lung cancer in people. And even these studies have been conflicting. One population-based study found that Okinawan tea — similar to green tea but partially fermented — was associated with lower lung cancer risk, particularly among women. But a second clinical study found that green tea and black tea increased the risk of lung cancer. More studies are needed before researchers can draw any conclusions about green tea and lung cancer.
Pancreatic Cancer. In one large-scale clinical study researchers compared green tea drinkers with non-drinkers and found that those who drank the most tea were less likely to develop pancreatic cancer. This was particularly true for women — those who drank the most green tea were half as likely to develop pancreatic cancer as those who drank less tea. Men who drank the most tea were 37% less likely to develop pancreatic cancer. However, it is not clear from this population-based study whether green tea is solely responsible for lowering pancreatic cancer risk. More studies in animals and people are needed before researchers can recommend green tea for the prevention of pancreatic cancer.
Prostate cancer. Laboratory studies have found that green tea extracts prevent the growth of prostate cancer cells in test tubes. In a large clinical study in Southeast China researchers found that the risk of prostate cancer went down with increasing frequency, duration and quantity of green tea consumption. However, both green and black tea extracts also stimulated genes that cause cells to be less sensitive to chemotherapy drugs. People who are undergoing chemotherapy should ask their doctors before drinking green or black tea, or taking tea supplements.
Skin cancer. The main polyphenol in green tea is epigallocatechin gallate (EGCG). Scientific studies suggest that EGCG and green tea polyphenols have anti-inflammatory and anticancer properties that may help prevent the development and growth of skin tumors.
Stomach cancer. Laboratory studies have found that green tea polyphenols inhibit the growth of stomach cancer cells in test tubes, but studies in people have been less conclusive. In two studies that compared green tea drinkers with non-drinkers, researchers found that people who drank tea were about half as likely to develop stomach cancer and stomach inflammation as those who did not drink green tea. However, a clinical study with more than 26,000 men and women in Japan found no association between green tea and stomach cancer risk. Some studies even suggest that green tea may increase the risk of stomach cancer. More clinical studies are underway to see whether green tea helps reduce the risk of stomach cancer.
Eases the Pain of Rheumatoid Arthritis
Study results reported in the Proceedings of the National Academy of Sciences shows that polyphenol antioxidants in green tea benefits suffers of arthritis by reducing the incidence and severity of the disease. EGCG protects cartilage destruction and reduces joint swelling and pain. This leads many scientists and health professionals to recommend green tea as a legitimate remedy for treating arthritis.
Stabilizes Cholesterol Levels
Researchers believe that green tea lowers cholesterol levels by reducing its absorption in your digestive tract and increasing the rate of which it is excreted. One population-based clinical study found that men who drink green tea are more likely to have lower total cholesterol than those who do not drink green tea. Results from one animal study suggest that polyphenols in green tea may block cholesterol from being absorbed in the intestine and also help the body get rid of cholesterol. In another small study of male smokers, researchers found that green tea significantly reduced blood levels of harmful LDL cholesterol.
Prevents Cardiovascular Disease
A Japanese study published in the Journal of the American Medical Association showed significant reductions in deaths from cardiovascular disease among green tea drinkers. The study found that over an 11 year test period, individuals who drank more than 5 cups per day had a 16% less chance of mortality and mortality related to cardiovascular disease when compared to individuals who drank less than one cup per day. They also found that green tea was especially beneficially in preventing strokes, due in large part to the antioxidants and how they prevent clogged arteries.
Boosts the Immune System
Catechins, the antioxidant polyphenol compounds, have been shown to have a major impact in the immune system. Research conducted by the Brigham and Women's Hospital in 2003 revealed that theanine, found in green tea, boosted the activity of the gamma delta T cells that form part of our adaptive and innate immunity. The study followed a group of coffee drinkers and a group of tea drinkers who each drank 600ml of their drink daily. Blood samples taken four weeks later quite clearly showed that production of these anti-bacterial proteins were five times higher in those drinking tea.
Promotes Weight Loss
Clinical studies suggest that green tea extract may boost metabolism and help burn fat. One study found that the combination of green tea and caffeine improved weight loss and maintenance in people who were overweight and moderately obese. Some researchers think that substances in green tea known as catechins are responsible for the herb's fat-burning effect.
Both green tea and green tea extract have been shown to fight obesity and lower LDL cholesterol – both of which ultimately lead to a reduced risk of heart disease and diabetes. The polyphenols in green tea are extremely useful for dissolving triglycerides, a substance in the liver and small intestine made up of mostly sugar and fat, and this is thought to be the reason green tea benefits fat loss.
Reduces Tooth Decay
Antibacterial properties found in green tea are also used by your body to kill the bacteria that causes plaque on your teeth. Research by the Journal of Periodontology has also shown that for every cup of green tea you drink, there is a decrease in indicators for gum disease. Fluoride is also found in green tea which helps to protect against cavities.
Effective in the Treatment of Multiple Sclerosis
In 2007, Dr. Orhan Aktas from the Institute of Neuroimmunology conducted a study of how green tea benefits sufferers of multiple sclerosis. While current patients do not have many options to prevent tissue damage and disability, he found that the flavonoid EGCG found in green tea could have a huge impact on multiple sclerosis. He concluded that EGCG is capable of directly protecting against neuronal injury in living brain tissue and that EGCG constituents may open up a new therapeutic avenue for treating MS by combining anti-inflammatory and neuroprotective capacities.
Slows the Onset of Alzheimer's and Parkinson's Disease
A recent report published in the journal Phytomedicine has found substantial evidence that the enzymes found in green tea protect your brain cells from damage. Another study conducted by the University of South Florida looked at the effects of antioxidant EGCG. It was shown to be a protein blocker which prevented the chemical reactions that can lead to nerve damage that can lead to Alzheimer's and Parkinson's.
Fights the Cause of Allergies in Your Body
Methylated epigallocatechin gallate (EGCG) has been shown to block a cells receptor involved in producing an allergic response. By blocking the production of histamine and immunoglobulin E (IgE), two compounds in the body that are chiefly involved in triggering and sustaining allergic reactions, EGCG could very well be the compound which prevents you from having watery eyes, sneezing and coughing.
Helps to Fend off Infections
Again, as one of the main benefits of green tea, EGCG has been highlighted by a study published in the Journal of Allergy and Clinical Immunology as being able to prevent infections, including the HIV virus. EGCG binds with CD4 immune system T-cell receptors and stops HIV from doing the same to reduce the risk of infection. While it is still way too early to peg green tea as a cure for HIV, an Egyptian study has shown that combining antibiotics with green tea significantly boosts the effectiveness of the antibiotic. In fact, when tested against 28 disease-causing microorganisms, green tea enhanced the bacteria killing power in every single case.
Reduces and Prevents Acne
Green tea benefits acne in a number of different ways. It's antibacterial properties attack and kill the acne bacteria while the anti-inflammatory benefits of green tea reduce the swelling and redness. Antioxidants fight against free radicals which damage the skin and make it more susceptible to acne also help to balance hormone levels to help prevent future breakouts from happening.
Slows the Aging Process to Prevent Wrinkles
One of the latest benefits of green tea is the effect it has on your skin and the aging process. It is again down to the antioxidants that prevent cell oxidation and damage that can make you look older than you really are. Studies are mixed on this particular green tea benefit as new research has come to light which suggests the full benefits can only be had by applying green tea topically to your skin. However, many people have found that potent green tea extracts do have a positive effect on their skin, leaving it softer, more supply and younger looking.
Clinical studies that look at populations of people indicate that the antioxidant properties of green tea may help prevent atherosclerosis, particularly coronary artery disease. Population-based studies are studies that follow large groups of people over time or studies that compare groups of people living in different cultures or with different diets.
Researchers aren't sure why green tea reduces the risk of heart disease by lowering cholesterol and triglyceride levels. Studies show that black tea has similar effects. In fact, researchers estimate that the rate of heart attack decreases by 11% with consumption of 3 cups of tea per day.
In May 2006, however, the U.S. Food and Drug Administration (FDA) rejected a petition from teamakers to allow tea labels to claim that green tea reduces the risk of heart disease. The FDA concluded that there is no credible evidence to support that claim.
Inflammatory Bowel Disease (IBD)
Green tea may help reduce inflammation associated with Crohn's disease and ulcerative colitis, the two types of IBD. If green tea proves to help prevent colon cancer, it would also help those with IBD because they are at higher risk for colon cancer.
Green tea has been used traditionally to control blood sugar levels. Animal studies suggest that green tea may help prevent the development of type 1 diabetes and slow the progression once it has developed. In people with type 1 diabetes, their bodies make little or no insulin, which helps convert glucose or sugar into energy. Green tea may help regulate glucose in the body. A few small clinical studies have found that taking a green tea extract daily lowered the hemoglobin A1c level in people with borderline diabetes.
Liver Disease
Population-based clinical studies have shown that men who drink more than 10 cups of green tea per day are less likely to develop liver problems. Green tea also seems to protect the liver from the damaging effects of toxic substances such as alcohol. Animal studies have shown that green tea helps protect against liver tumors in mice.
Results from several animal and human studies suggest that one of the polyphenols in green tea, known as catechin, may help treat viral hepatitis, an inflammation of the liver. In these studies, catechin was used by itself in very high amounts. It is not clear whether green tea, which has a lower concentration of catechins, would have the same benefits.
10 cups of green tea a day could cause problems because of the high level of caffeine consumed. Ask your doctor about the best way to include green tea in your treatment.
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