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"The future growth of superannuation is heavily dependent on the outlook for equities and Australian equities," he said.
Mr Murray,who is best known as a former chief executive of Commonwealth Bank of Australia, was speaking at a forum in Sydney yesterday.
He participated in a panel discussion hosted by The Economist on asset allocation with the head of investments at Australian Super, Mark Delaney.
Mr Murray said that the allocation of super funds to fixed interest was "quite low", especially with regard to bonds.
"This raises an interesting question whether in the outlook we have for a very sluggish developed world economy over the next 10 or 20 years, whether such an allocation is too low and the equity allocation is too high.
"But that low allocation to bonds could be justified on the basis that Australian superannuation is much more about defined contribution than it is defined benefit."
The discussion shifted to the problems funds face with infrastructure investment.
The asset class is ideally matched with super funds because the assets are long-duration which matches the liabilities of super.
Still, some funds botched their investment by paying too much for exposure and were then forced to write down the value of their stakes as valuations slid.
"The private sector still has a substantial amount of allocated capital to this space that hasn't been invested so as you travel around the globe . . . there is an attractiveness to this sort of infrastructure investment," Mr Moore said.
Mr Murray said it was hard to find managers in the infrastructure sector. "It is a specialist business. There's an agency issue with the longevity of the asset versus the longevity of the managers and their award structures," he said.
"When institutional funds go through their criteria and look at length of experience and demonstrated skill it's hard to find."
Mr Murray said that it was a very important asset class to the Future Fund but one of the issues was liquidity.
"The exit path's not as clear. You have to have a very long-term fund or a component of your fund where you're comfortable about your liquidity," he said.
The other issue was sovereign risk.
"I'm afraid some governments will set up some precedents on how to renege on government obligations. So sovereign risk in infrastructure is a higher risk now in my view than it has been.
"The challenge for governments in Australia who want infrastructure is to find a new way of risk-sharing on a PPP [public-private partnership]."
Australian Super's Mr Delaney said infrastructure was an attractive asset class, but "like anything, what price you pay for it really matters".
"The experience of 2006, 2007, was people paid somewhat ridiculous prices for some assets all based on erroneous or very ambitious assumptions," he said.
Mr Murray said that one way to improve the superannuation system would be to tax super contributions on the way out, instead of the way in.
"It's not very efficient, maybe I shouldn't say this but it's better not to tax it on the way up, to tax it on the way out."
He added: "Given I'm at my age now I shouldn't say things like that." Mr Murray is 61.
The Australian Financial Review


text: Lack of reporting hinders state autism efforts By The Associated Press April 29, 2013 Story Share CHARLESTON, W.Va. -- Many doctors aren't complying with a requirement to report diagnoses of children on the autism spectrum to West Virginia's autism directory, the directory's coordinator said.Compliance has been an issue despite efforts to inform doctors about the importance of reporting autism diagnoses to the registry, Julie O'Malley told the Charleston Daily Mail."We're all busy, I know,'' O'Malley said. "But we struggle with this from year to year to year. We continue to make the fact that autism spectrum disorders are reportable conditions of childhood known.''West Virginia created the autism registry in 2004. Psychologists, pediatric neurologists and pediatricians are required to report any child they diagnose on the autism spectrum.The registry only states that a case has been reported and from which county, and does not contain names. But the information is valuable because it is used by the state to apply for grants and resources to help people affected by autism."The more accurate numbers we have about how many people in the state are affected, the more funding we can apply for. Those numbers tie directly into funding, and it's critical to know exactly what the scope is so we can accommodate it,'' said Barbara Becker-Cottrill, executive director of the West Virginia Autism Training Center.The Centers for Disease Control and Prevention says 1 in 88 children nationwide has an autism spectrum disorder. "I think the CDC's 1 in 88 gives us an excellent number, but if we could say definitively `this is how many people in our state have autism' it would help with funding. Plus, it would be a way to track incidence of autism. We could say if we were increasing or decreasing. It'd give us an accurate picture of what's going on,'' Becker-Cottrill told the newspaper.Other factors complicate the effort to obtain accurate numbers. Some families don't get a diagnosis or don't want to disclose that their child has a problem."They probably feel things are going well, or they're not knowledgeable. In some cases that's an issue,'' Becker-Cottrill said. "In other cases, we're missing some of the children who leave the state for a diagnosis. Sometimes it's difficult to confirm someone has an autism spectrum disorder.''O'Malley estimates that there are 4,359 children with autism in West Virginia, based on the CDC's figure and the 2010 Census, which shows there are 383,570 residents under 18. Story Share Story Share Trending Now 1 WV Gov. Justice discharged from Johns Hopkins Hospital after two-day stay 2 Kanawha magistrate facing judicial misconduct charges 3 On file: Aug. 20, 2017 4 Mission trip brings South Charleston, Haitian families together 5 Driving during Monday's solar eclipse? Read these tips first UBB group joins Preservation Alliance of W.Va. Previous Story IBM makes tiny movie by pushing molecules around Next Story

subset: commoncrawl


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POLICE raiding a house in Bolton arrested a drug dealer from Bury who pulled up outside in a taxi with cocaine in a bag.
Bolton Crown Court heard the officers were at a house in Delph Hill Close, Doffcocker, on September 7 last year when the vehicle arrived with two men in it, one of whom was 25-year-old Christopher Wolfendale.
A bag was spotted in the car and Wolfendale admitted it was his and contained cocaine, said prosecutor Jennifer Birch.
There were found to be 19 bags of the drug, weighing a total of 10 grammes and with a street value of £360.
At the time Wolfendale, of Walmersley Road, Bury, was on licence, part-way through a 40-month jail sentence for attempted robbery.
Paul Tonge, defending, said Wolfendale was short of cash and had only been dealing for a few days when he was caught.
He added that Wolfendale, the eldest of five siblings, comes from a respectable family, but he has several criminal convictions.
"He clearly has a flaw in his make-up. The defendant seems to partake in reckless and risk-taking behaviour. This case is no exception," he said.
Recorder Craig Osborne jailed Wolfendale for four years.


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Saraswatichandra 8th April written episode: Sunanda warns Kumud of dire consequences if she does not wear the dancing apparel. Kusum tells her that Kumud is ready to wear the dress. Sunanda sends Kumud to the tailor with strict vigilance.
Danny and Kusum come to Kumud's parents. Kumud's mother tells them about Saras's call. Guman tells Kabir that it is a good time to fulfill her dream. Kabir calls Danny to the factory. Danny meets Kabir in the midway and Kabir says that he has solved the problem of the factory. He insists on going to Kumud's house.
Majnu insists on making another copy of Kumud's photograph, for the convenience of search. Kumud is taken to the tailor shop in the market. She sees a mobile on the tailor's table and manages to steal it while taking her dress for trial. She goes alone for the trial. She finds that the account balance in the mobile is too low to make a call.
Kumud tries to find some avenue. She removes a wardrobe and finds a door behind it. Sunanda's aides knock on the door. They break the door when get no response, to discover that Kumud has fled. Saras and Majnu visits different stores to search Kumud.
Guman comes to Kumud's house and starts insulting her family. She says that Kumud has eloped with some person, as she has not told anything even to her husband. Badi ma retorts. Kabir takes Danny back.


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Now Mac mini packs even more power, thanks to the latest dual-core Intel processor. It also features integrated Intel HD Graphics 4000, Thunderbolt, USB 3, and OS X Mountain Lion.What's included in the box
A Mac includes 90 days of free telephone technical support and a one-year limited warranty. If you purchase the AppleCare Protection Plan, you can extend that coverage to three years from the original purchase date of your Mac.
Sign up and be the first one to see new technology.


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Cutting apprentice grants will affect small firms most
CUTTING grants by 10% for employers who take on apprentices will affect small companies the most, one business owner believes.
CUTTING grants by 10% for employers who take on apprentices will affect small companies the most, one business owner believes.
Louis Le Couteur, of Stoneworks stonemasons, said the Education Department's move would have an impact on his company at a time when it was already feeling the effects of a tough economic climate.
He employs four men, two of whom are apprentices.
'Things are fairly tight as it is,' he said.
'We're not out of work, but we are putting a lot lower quotes in than normal. I could do without that. Having the grant is essential to being able to offer apprenticeships.'
Comments for: "Cutting apprentice grants will affect small firms most"
Craig Le Cheminant
I agree with Louis. This is completely the wrong time to reduce the investment in the industries that offer apprentices a chance to become qualified. I believe by reducing the investment you are reducing the number of opportunities for school leavers to become Stonemasons, Carpenters etc. Unfortunatley it would appear that this decision has not been thought through and would appear that the industries concerned have not been consulted.
Couldn't agree more, unfortunately they have thought it through (believe it or not!) and ended up with this ludicrous decision.
They also consulted I believe with the GBTEA (Guernsey Building Trades Employers Association) and were told how important the scheme was, this was obviously a complete waste of time.
As I said in another thread, the price of everything but the value of nothing.
Island Wide Voting
Was the delicate 'pointing' in the photo done by a week one apprentice ?
if they had got rid of neal instead of giving a job over seeing beaucamp school they could of kept the grants going.
In a post last month, Deputy Matt Falliaze said:
"By my calculations, Education would meet their FTP savings target if over the next 18 months they cut their central office costs by 25%, closed three primary schools, terminated every penny of the grants to the two libraries (Guille-Alles and Priaulx) and cut higher education grants by 50%."
...and what do we see them doing? Penny pinching on things like the ESB, apprenticeships and swimming pools. Little things they hope won't raise too many eyebrows but which won't even dent the £7m+ they are being told to save. For goodness sakes either bite the bullet and start making tough decisions that will make major savings or just scrap the FTP completely....but please stop this penny pinching nonsense.
This penny pinching was always going to happen,when they ran out of ideas what to do next to save money, it concerns me as to what is going to be next for the chop, I do think cutting funds for the apprenticeship scheme a rather daft idea as it is working well,why change a scheme that works. Just put up income tax to 22p and be done with it,and give us all a break from
robbing Peter to pay Paul,you know we will end up with this happening anyway.


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FORMER Springboks coach Gary Gold warns Scotland will be mauled by South Africa unless they're up for a battle.
And he insists there's next to no chance of a shock result on Saturday – despite Vern Cotter's side arriving in Port Elizabeth unbeaten in their summer Tour.
Scotland were the last side from the Northern Hemisphere to turn over the Boks – a 21-17 win at Murrayfield in 2010.
But Gold said: "The Boks are going to be far too powerful.
"The only way the Scots will be in the game is if the Springboks are complacent.
"I definitely believe there are good enough players in the Scottish team to cause an upset but they are going to have to be absolutely outstanding and South Africa pretty dour."
Scotland followed up wins over the USA and Canada with a 21-19 result against Argentina on Friday as Cotter maintained his 100 per cent record.
Duncan Weir struck a 78th minute penalty as the tourists closed a nine-point gap in the final 10 minutes.
Gold was the forwards coach when a Peter de Villiers-led Springbok team came unstuck at Murrayfield. Dan Parks bagged all 21 of his team's points, while the Boks could only respond with a solitary Willem Alberts try and four Morne Steyn penalties.
Gold said: "The weather was horrific that day. It is not an excuse but it was bitterly cold in Edinburgh and the conditions suited the Scots.
"The other thing was we were complacent. A week later we beat England at Twickenham.
"We took our eye off the ball – which is exactly what I'm warning the Boks against now.
"We couldn't get the ball to our outside backs and no one was moving the ball around. It became an arm wrestle with their forwards.
"They scrummed well and their line-outs were effective and they looked after the ball better in atrocious conditions."
The Boks have since mastered Northern Hemisphere teams, although England ran them close in Port Elizabeth, gaining a 14-14 draw two years ago.
Heyneke Meyer, who took over from De Villiers as Bok mentor in 2012, has not lost to a team other than Australia and New Zealand.
Glasgow Warriors' prop Euan Murray has been called up for Scotland's final match along with uncapped back-row pair Tyrone Holmes and Adam Ashe.


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SOME of Knutsford's top young writers have been hailed at a competition presentation evening held in the town.
The competition was called 'Write a Story for Knutsford' and was open to all the local primary schools.
It was organised by volunteers at Knutsford Heritage Centre and pupils were asked to write a story with a word limit of 300 words, although illustrations could be included.
It was divided into two age categories, one for children in years three and four and the other for children in years five and six.
The only rule for the pupils was that the story had to be about Knutsford, and organisers urged children to let their imaginations run riot.
Judges included heritage centre volunteers Emma Dearman and Val Dawson, Allostock poet Charlotte Peters-Rock and Guardian chief reporter James Wilson.
There were more than 60 entries, and 12 youngsters were given special recognition at an awards ceremony at the heritage centre on Wednesday, November 14.
Clr Vivien Davies, town mayor, was on hand to present certificates and goodie bags.
The overall winners were Connor Sharpe, from Yorston Lodge in the year 3/4 category and Darcy Hamand, from Bexton in the year 5/6 category.
Val Dawson, from Knutsford Heritage Centre, said: "We were delighted with the entries from all the five primary schools and for the support of the head teachers and teaching staff.
"The children's stories were inventive and imaginative and captured Knutsford's unique atmosphere.
"Some tales were funny and spooky, some sweet and cleverly used the past, present and future of our special town. Will we do it again next year? You bet.
"But we will make sure we have access to the whole of the heritage centre for the prizegiving."
- Congratulate the winners below or on our Facebook page at www.facebook.com/knutsfordguardiannews
THE two winning entries can be read below:
Darcy Hamand's entry:
Charlotte Motterhead's Diary
Saturday, November 18, 1888
Dear Diary,
I went for a walk with Ida today. Oh, we are truly the closest of sisters. I made us a picnic to eat on the Heath. We had apples, currants and plums with lemon tarts and Madeira cake. It was delicious! I would do anything to live in a large house by the Heath and eat such a meal every day. At home we are lucky to get an orange at Christmas.
I have a friend named Isobel, I love playing with her. Isobel gets a dolly, a book, a dress and an orange each Christmas. I live in a poor part of Knutsford, so things are hard to get. I once went into Isobel's house and we played in her bedroom as she can't get herself dirty. I'd much rather lounge on the Heath or climb the big tree in her garden. As she went to use the privy I snook out to the garden and climbed up the tree. Then I found a sixpence and got carried away buying things, a blackberry pie, a penny's worth of pear drops, a hokey-pokey and a notebook! I forgot all about poor Isobel and trekked home.
We cut the pie into seven pieces for Ida, John, George, Jack, Father, Mother and me. I shared the sweets out and gave Ida the ice-cream. We all had a feast on the Heath. Oh, the pie, I bit into the golden, crispy pastry and felt the fruity juice dance on my tongue. I don't live in a grand house, nor do I have fine gowns like Isobel but that is not important. What is, is that I have the best family ever.
With Love,
Charlotte Mottershead.
Connor Sharpe's entry:
The day the Aliens came to town
It was a lovely sunny day in Knutsford. The date was Saturday, May 5, and the whole of the town was excited getting ready for the Royal May Day.
At 2pm all the children began the parade through the town. They were dressed up in different costumes and following at the back was the girl who was to be crowned May Queen.
All of a sudden someone in the crowd noticed a float they hadn't seen before, it was an alien float with a spaceship and two aliens on board. Everyone was scared, why would there be aliens in Knutsford and particularly on this special day?
The aliens were very well behaved until the time the actual crowing was taking place. They decided that one of them should be crowned May Alien and stole the crown from the Crown Bearer. There were people running everywhere, some were trying to catch the aliens, some were taking photographs, some were even just standing still in shock but no-one could get the crown back. Then they realised that actually the aliens had escaped, their spaceship was flying above them and disappeared over Tatton Park and into space.
The May Queen was crying as her crown was now on its way to outer space, instead of being on her head. She then noticed a piece of paper lying on the ground and picked it up. It was a photograph of the May Alien wearing her crown and smiling at her. The May Queen stopped crying and began smiling back at the photograph. Her special day had not turned out as it should have done, but it was the May Day that the whole of Knutsford would remember forever.


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THE Environment Agency has just issued a river flood warning for the river Severn at the Severn Ham, Tewkesbury. The Ham has flooded already but no properties have been flooded as yet.
The river levels are due to peak tomorrow.
Gloucestershire Fire & Rescue Service crews are on standby and ready to offer assistance if it is required.
Gloucestershire County Council says it is monitoring the situation carefully.
Earlier today, the council reported that it had been a quiet night in Gloucestershir with the worst of the heavy rain missing the county.
Although due to happen elsewehre in the south west, sustained heavy rain is not currently forecast for Gloucestershire today or tomorrow.
Gloucestershire Highways did have additional response crews on standby across the county overnight, they were not required to deal with any significant flooding incidents or attend any weather-related road closures overnight.
The council said gully emptying and unblocking crews would continue to be on standby.
Gloucestershire Fire & Rescue Service also did not attend any weather-related incidents overnight.
Earlier today, Coun Will Windsor-Clive, Gloucestershire's cabinet member for communities, said: "We have seen some very wet weather over the last couple of weeks, but thankfully, the rain eased overnight and it was a quiet one for the county.
"We will, of course, continue to monitor the situation and are fully prepared if any more severe weather comes our way.
"Since the floods of 2007, the county council has invested heavily in flood alleviation works. Ongoing drainage works and major schemes with partners have made a real difference to the flood risk in the county."
While there are currently no reported problems on the county's roads, continued outbreaks of rain over the weekend are likely to result in standing water on parts of the highway and heavy rain reducing visibility.
Drivers are, therefore, being warned to slow down and drive according to the conditions and not to attempt to cross deep flood water.
Jason Humm, Highways Manager at Gloucestershire Highways said, "Gloucestershire Highways and our colleagues at Fire and Rescue are fully prepared, and have crews on hand locally to keep residents in the county safe.
"I would encourage all drivers to take care when driving and leave plenty of room for braking on wet roads."
Any problems on the roads, contact Gloucestershire Highways on 08000 514 514.


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Circle Theatre Summer Concert Series to Present PIANOMEN: THE MUSIC OF BILLY JOEL & ELTON JOHN
Circle Theatre produces an annual concert series that features many of the area's best vocalists and musicians. Live music in an intimate setting gives all audience members an up-close and personal experience unique only to Circle Theatre. Starting off the series in May of 2014 is the concert PIANOMEN: THE MUSIC OF BILLY JOEL & ELTON JOHN, running May 12, June 9 and August 11.
Circle Theatre is celebrating the iconic songs of two of the rock/pop sensations in music history: Billy Joel and Elton John.
The Circle Theatre concert Pianomen: The Music of Billy Joel & Elton John will be directed by Kelly Carey. Carey's previous directorial credits at Circle Theatre include concert hits like Hits of the 80's, Unplugged, Moonshine Serenade, Singer/Songwriters of the 70's and Timeless.
The design team features lighting designer Catherine Marlett Dreher, and sound designer Roy Wallace.
The cast of Pianomen features vocalists Kelly Carey and Ryan Potts accompanied by Nick Ayoub on keyboard, Patrick Handlin on bass, Chris Bookie on drums and Matt Young on guitar.
Performances will be held on May 12, June 9 and August 11 at the Aquinas College Performing Arts Center. Curtain for concert performances is at 7:00PM. Tickets are $17 and can be purchased by calling the Circle Theatre box office at 616.456.6656 or on line at www.circletheatre.org. The box office is open Monday through Friday from noon to 5:00PM and from noon to curtain on days of performances.
2014 will mark Circle Theatre's 62nd year of producing plays and musicals for West Michigan audiences. Other productions in the 2014 season include the rock musical Jesus Christ Superstar, the comedies Don't Dress For Dinner and One Man Two Guvnors, the hilarious musical comedy, Monty Python's Spamalot and the musical thriller Carrie The Musical. Circle also offers the children's story A Sleeping Beauty Somewhere In Time as part of their Family Magic Circle Series. Circle's 2014 Summer Concert Series will perform on select Monday evenings at 7:00PM and will feature the iconic music of The Eagles (Take It To The Limit), Simon & Garfunkel (Feelin' Groovy) and the musical stories of Harry Chapin (Keep the Change). The theatre first produced shows at the Rowe Hotel before moving to the Pantlind Hotel and the pavilion in John Ball Park. Circle Theatre now shares a performing arts center with Aquinas College and the Catholic Secondary Schools at the Aquinas College Performing Arts Center. Information regarding season ticket subscriptions, Magic Circle and the Summer Concert Series can be gathered by calling the Circle Theatre box office at (616) 456-6656 or by visiting the theatre's website at www.circletheatre.org.


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Fátima Ptacek, an 11-year-old actress who was born in New York City and is of Ecuadorian and European heritage was named the voice of Dora for season 7. She is fluent in English and Spanish and is studying Mandarin Chinese. The show isn't the first gig for the talented tween -- she has been cast in several feature films, including Anything's Possible, Tio Papi, The Miracle of Spanish Harlem and Curfew and has appeared in such TV shows as Saturday Night Live, Sesame Street, A Gifted Man, and Royal Pains among others.

Valerie Walsh Valdes is a working mom to two and the creator of one of the most beloved preschool characters ever. From how you can apply the idea of the Map when you need your preschooler to complete a task, to how to limit screen time (really!), find out how being a successful television producer helps her everyday parenting -- especially at bedtime.

Undoubtedly you've seen the show numerous times, but are you a true Dora expert? What was the first Spanish word ever taught on Dora? Which language does Dora teach in Germany or Spain? How long does it take to create one episode? Find out the answers to these burning questions and more!

When you've been around for ten years, you are bound to make lots of friends -- some human, some Big Red Chicken. Take a look at these 26 characters to see who you remember and then read what the producers have to say about their favorites.

There are a lot of things about the show that appeal to children -- the characters and the music certainly -- but it's the interactive nature of the program that really made it stand out from everything else on television.

In 2005, Dora's cousin, 8-year-old Diego Marquez arrived on the scene, and he was a man on a mission -- to help animals in the wildlife. Joined by his 11-year-old sister, Alicia; Baby Jaguar and occasionally, Dora herself, Diego carries a "rescue pack," a camera called "Click" and he hangs around an animal rescue center, which is where he gets the calls to come and save animals.

Season five of the show, which premiered on September 15, 2008, featured a new voice for Dora -- then 12-year-old Caitlin Sanchez. A New Jersey resident, Caitlin is the daughter of two Cuban-American parents. A fan of Dora since she was four years old, she beat out 600 other girls for the job.

Can an animated character age gracefully? That was the question of the minute when Nickelodeon and Mattel announced plans for a 10-year-old version of Dora in doll form. A firestorm ignited when certain details leaked, but when all was said and done, most parents were happy with Dora's new look and a generation of girls got to keep exploring with their best preschool friend.


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Publish Date: 20-03-17


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Minneapolis Turns to Charter TV® for Entertainment
Minneapolis residents love their TV — and nearly 284,692 of you tune-in to your weekly programs on an HDTV. But you're not capturing all the dazzling detail and breathtaking action your HDTV is designed to provide if you're not subscribing to HD deals. Thankfully, you have access to Charter Cable. Charter Cable offers competitively priced HD programming that's hard to turn down. Start enjoying the home team as if you're sitting on the sidelines, or invite a favorite TV chef into your kitchen with the incredible detail and brilliant color of Charter's HD programming. In fact, once you watch your favorite sport in HD you'll wonder how you ever lived without it. Plus, Charter Cable in Minneapolis offers sports fans specials and discounts that are budget friendly. Don't watch one more game or movie without maximizing the power of your HDTV. Call Charter today and ask about the special pricing in your area.


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Showing blog posts tagged with Space Exploration
Science Throwdown: Sea vs. Space
by AMNH on
Explore the merits of sea vs. space in this tongue-in-cheek "debate".
Frontiers Lecture: From Mars to the Stars
by AMNH on
In this lecture, join aerospace engineer Louis Friedman as he discusses his provocative vision for the future of space travel, one in which exploration beyond Mars may cease to be physical, and instead, be virtual.
You Are Here with Astronaut Chris Hadfield
by AMNH on
Join astronaut Chris Hadfield for a description of an orbit around the Earth, from launch to landing, as described and documented in his latest book, You Are Here: Around the World in 92 Minutes.
Sally Ride: America's First Woman in Space
by AMNH on
Join award-winning author and journalist Lynn Sherr for a lecture bringing detail and color to the life of Sally Ride.


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Education Loan in Indian Overseas Bank – IOB
Education Loan In Indian Overseas Bank
IOB Bank Educational Loans – Vidya Jyoti
Indian Overseas Bank Education Loan Eligibility
- Should be an Indian National.
- Should have secured admission to professional / technical courses in India or abroad.
Purpose of Indian Overseas Bank Education Loans
Education Loan is made available for Graduation / Post graduation / Diploma / Computer education in any recognized State / Central Government / University, professional courses including Engineering / Medical, Agriculture, Veterinary, Law, Dental, Management, courses like ICWA, CA, CFA, etc., courses conducted by IIM, IISC, XLRI, NIFT etc, courses offered in India by reputed foreign universities / Evening courses of approved institutes, regular degree / diploma courses like Aeronautical, Pilot training, shipping etc., approved by Director General of Civil Aviation / shipping if the course is pursued in India.
In case the course is pursued abroad, the institute should be recognized by the competent local aviation / shipping authority. For studies abroad, loans will be made available only for Graduation and Post Graduation Courses offered by Reputed Universities and not for diplomas.
Indian Overseas Bank Quantum of Education Loan
Maximum of 10.00 lakh for studying in India and 20.00 lakh for studying abroad.
Indian Overseas Bank Rate of Interest
Please refer http://www.iob.in Retail_Credit_Interest_Rates.aspx for retail credit interest rates.
Interest to be debited monthly on simple basis during the repayment holiday / moratorium period.
IOB Bank Education Loan Margin
|For loans upto Rs. 4.00 lakh
|For loans above Rs. 4.00 lakh
|Studies within India 5%
|For studies abroad 15%
Scholarship / assistantship to be included in margin.
Collateral Security for Education Loan in Indian Overseas Bank
|For loans upto
4.00 lakh
|Co obligation of parents. No security
|For loans above 4.00 lakh and up to 7.50 lakh
|Co obligation of parents together with collateral security in the form of suitable third party guarantee.
|For loans above 7.50 lakh
|Co obligation of parents together with tangible collateral security. Collateral security in the form of NSC / KVP/ LIC Policy / Gold / Shares / Debentures or immovable properties Bank Deposits in the name of student / Parent / Guardian or any other third party with suitable margin. Wherever the land / building is already mortgaged the unencumbered portion can be taken as security on second charge basis provided it covers the required loan amount.
In case the education loan is given for the purchase of computer, the computer has to be hypothecated to the IOB bank.
Indian Overseas Bank Holiday period
6 months after getting the job or 12 months after completion of the course whichever is earlier.
Repayment of Educational Loan in IOB Bank
Repay the loan in equal monthly Instalments for a maximum period of 5 – 7 years excluding holiday period.
IOB Bank Interest servicing
It is left to the option of the student either to service the interest during the study period or pay it along with the principal over a period of 5 – 7 years to commence from 12th month after completion of the study.
Indian Overseas Bank Interest servicing concession
For prompt servicing of interest for all months during the study period when repayment holiday is specified for interest / repayment under the scheme, an interest rebate @1.00 % is allowed. The interest rebate thus calculated will be credited back to education loan account at the time of commencement of repayment of the principal sum.
Download the application form in MS – Word format.
Save it on your computer, print it out and send it to the nearest / convenient IOB Bank branch for processing.
Education Loan in Indian Bank – Bank Loans in India – Education Loan Scheme – Indian Overseas Bank Education Loan – Loan Interest Rate – Indian Overseas Bank
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Posted In educational loan in banks : Leave a response for education loan in indian overseas bank – iob by amala


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There is a global uprising.
Join us!
Here in Britain the 'project' is to roll back all the gains of earlier popular movements, wrecking the welfare state, NHS, free education.
Glad to see people resisting.
The deficit was created by a crash caused by a banking system which is broken.
But hey making sure that we feed the bond traders is more important than feeding minds.
Drastically reducing working class access to higher education is aimed to make people less able to answer back.
We need to defend wikileaks, build protests and grow economic alternatives based on social equality, ecological sustainability and democracy.
The Liberal Democrats are working hard to support the most right wing government in decades, great to see them sliding in the opinion polls, they are the weak link in the chain and look likely to be broken.
The next revolt will be over rail fares, sharply up, once again so there is nice sweet fodder for the bond traders and the bankers can rest secure in the knowledge our money will be used to bail them out.


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If you're in LA tomorrow (Monday March 17th), head on over to machine project at 8pm for "The Innermost Unifier: Today it's the Corporate Anthem," a talk/audio performance by Johannes Grenzfurthner of Austrian art-prank-collective monochrom, who have become regular contributors to Boing Boing tv. Mark Allen from machine project explains:
When we last saw Johannes, he and his co-cospirators from Monochrom were boiling down sixty gallons of coca cola to make a brick of coke and burying people alive in our backyard. For this event, Johannes will give a theoretical and applied overview on the musical genre of the corporate anthem.Link, and for those of you not in LA, expect bloggage!


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Quality Park 11 1/2" x 14 1/2" Clasp envelope in brown color features a heavily gummed flap with sturdy metal clasp for secured seal.
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PT Bali Trend Produs is a design and manufacturing company based in Bali / Indonesia which produces LED luminaries under brands IndoLED & Insenso-Bali.
PT Bali Trend Produs was founded in year 2000 by Italian designer Roberto Tenace®.
This company started with the design of inventive furniture, then lamps and other decorative items that were sold locally in Bali, then to wholesale customers who exported it all over the world.
Roberto Tenace has always been very creative and produced a huge amount of designs thanks to the great environment Bali provides in term of handicraft knowhow, inexpensive workmanship and a very various source of raw materials. He created the Sens'o brand in 2004 (that was then renamed InSens'o) to then launch his own local retail stores as well as a few franchises in Australia, Europe and south America.
In end 2010, Mickaël Veslot, founder and director of IndoLED, who was supplying InSens'o with LEDs and design consulting offered Roberto Tenace to merge both activities in one single company and PT Bali Trend Produs (PMA 100% foreign owned) was the company selected to integrate both activities.
Since then, the InSens'o brand has been renamed "Insenso-Bali" and the company focused it to 2 great selling ranges of table lamps : The Folky dolls and the Smiley lamps.
The traditional activity of InSenso (decorative luminaries and items) has been rebranded as "InSensoBali" and it includes several brands of products that are currently manufactured and distributed by PT Bali Trend Produs:


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In what seems like overnight, the Ryan Construction company got a fast track on putting up the walls of the massive 276,000-square-foot Federal Express Distribution Facility in Maple Grove.
The building is located on the south side of 85th Avenue/Weaver Lake Road and east side of Revere Lane.
"It's a massive building and it's amazing how fast the walls went up," Maple Grove Community Development Director Dick Edwards said. "They do quick work."
Edwards said the building would operate on the same scale as the nearby UPS Distribution Facility, making Maple Grove a major distribution hub. The building is targeted for occupancy next spring.
"Generally speaking the building may be able to open in spring/early summer, but it's all driven by the weather," Edwards said.


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Author Talk: The Notebook, June 2004
The film adaptation of Nicholas Sparks' New York Times bestselling book, THE NOTEBOOK, is being released in theaters June 25th by New Line Cinema. Paula K. Parker spoke with Sparks about the process of adapting a book to film, the enduring love of the characters in his book as well as his wife's grandparents (upon whose life the book was based), the love of his life and the secret to having a strong marriage.
Paula K. Parker: THE NOTEBOOK was your first published novel, yet several of your other books were adapted to film first? Why is that?
Nicholas Sparks: It came down to the fact that it took longer to get it to development. The studio was very clear on what it wanted as far as the film went. The first screenwriter --- who took about a year and a half --- did not do that. He gave them something that was good, but not something that they expected. Then they debated, "Now what do we do? Do we go forward with the project or do we not?" They decided to go forward with the project anyway, so they got a new screenwriter.
From there, various major directors became attached and then unattached to the project. Steven Spielberg said he was very interested, but he wasn't willing to make a commitment right away. Well, you wait for Steven Spielberg, obviously. Or you wait for some of the other directors who became attached temporarily.
In other words, it just took about eight years until the right script and team came along.
PKP: Did you have any input or creative control over the adaptation of your books into film?
NS: Very little. I'm willing to read scripts and make notes, if they are requested; but that's about it. You pretty much waive your rights when you sell it to Hollywood.
PKP: How does that make you feel? For many writers, to have someone read your work is like asking, "Don't you think my baby is pretty?"
NS: You could feel that way, and that would send you into a tizzy about the adaptation. I don't look at it that way at all. If I was going to be that upset, I wouldn't sell the project. I know going in that they're going to make changes. I know going in that film and books are entirely different mediums, that the characters may or may not match they way I envisioned them, that certain elements of the story are going to be changed - again, primarily because of film is a different medium. You can do things in film that you can't do in books and visa versa.
I know all that going in, so when it happens, I'm not upset about it.
PKP: You mentioned that this story is 'based upon' your wife's grandparents. Some people might interpret that to mean, 'This is the story of his wife's grandparents.' With that in mind, did you say, "You can't take this story past 'X' because someone might perceive that my wife's grandparents were one way when they really weren't?
NS: To be quite honest, I've been very blessed when I've worked with Hollywood. The studios that have purchased my work to be adapted to film have really liked the work and wanted to stay as close as they could to what the book was. I would say that they tend to retain the spirit of the characters and the spirit of the novel. The spirit of the novel is that it's a love story. It's about these two people who loved each other their whole lives. Even when things weren't easy, they loved each other. That was the spirit of the book and when you see the film, you'll see that it's the spirit of the film.
As long as they kept the general theme of the book and the general themes of the characters --- in other words, they don't make a good character evil to give him personality or something --- I'm fine with it. But again, like I said, I've been pretty blessed. That's never been an issue. Some authors are not so lucky. If you only have one studio bid on a project, that's who you have to work with. I've just been fortunate.
PKP: There were some significant differences between the novel and the film.
NS: Again, I knew there were going to be differences, so I wasn't going to let them affect me so much.
Whenever I see a film based on one of my novels, my primary question is whether or not it is an enjoyable film. At first, did it retain the spirit of the book and the characters? Was the story generally the same? Yes, yes, and yes. Finally, was it a good film? I loved the film. I thought the film was really very romantic and very sweet and I thought it captured young and everlasting love in a way that is seldom done on film.
PKP: In my opinion, the enduring love between older Noah and Allie was much stronger than the passionate fiery love of their younger years. It's not something that you see portrayed often.
NS: No, you don't. Yet most people, when they fall in love, it's because of that passion. It's very seldom an economic or unemotional undertaking. "Well, this person has brown hair and I prefer brown hair because they don't get skin cancer." You don't think like that. You think, "Wow! She's great!" If you are fortunate, you meet the right person, and you share the same moral values and you share the same commitment toward each other…I don't know that love changes. People change. Circumstances change. In the end, Noah loves Allie just like he used to. He's older now, things are different, and he can't show it the way he wants to if he could; but that doesn't change the way he feels and always felt for her.
PKP: It's a much stronger, a much richer kind of love.
NS: Yes, but richness in love takes time. That's what the definition is. The theme of the book is everlasting love. You can't have everlasting love if it's just about Noah and Allie as teenagers, or Noah and Allie in their twenties when they got back together. No, it's got to last through everything if it's going to be everlasting.
PKP: Are your wife's grandparents still alive?
NS: No, they are deceased. They died in 1993.
PKP: Did they get to see anything of what you did with their story?
NS: No. Not even the first word written.
PKP: Does you wife think this book honors their memory?
NS: Yes, she loves it, because it captures the spirit of how they felt for each other. They adored each other all the way to the very end of their lives. Even when things weren't easy at the end of their lives.
PKP: Did either of them have Alzheimers?
NS: She had dementia, but they don't know whether it was Alzheimers. Technically, Alzheimers can't be determined until an autopsy. We didn't need to do an autopsy, so we never knew for certain. She was elderly and there was no reason. All we knew was that she had dementia. She was on painkillers for cancer; that could have had something to do with it. You don't know exactly what the cause was.
PKP: Was it similar to Allie's dementia? Did she forget her husband?
NS: Oh, yes.
PKP: It's sadly interesting right now with former President Ronald Reagan's death and the reports about his battle with Alzheimers. The timing of the movie's release will bring more attention to Alzheimers than it might have another time.
NS: Oh, I know. An interesting note is that the book was just being written when President Reagan first admitted to having Alzheimers.
PKP: Is this a cause you support?
NS: Yes, it is. I've made numerous speeches for Alzheimers associations around the country for eight years now.
PKP: Is any of you and your wife's story in this book?
NS: Not so much this one as in NIGHTS IN RODANTHE. I met my wife on spring break in Florida, during our senior year in college.
PKP: What drew you to her?
NS: Her manners. She was nice to everybody. You know; spring break and college students are generally caught up in their own little world. With her, she was kind to everybody, every person that she met. Whether they were handsome or not handsome, or if they were old or if they were kids. On the beach, she'd be the first one to say, "Hey, hey, there is a family here. Can you move the volleyball game over some?" She'd say it very nicely and no one would ever take offense. She would just notice that, because that's who she is.
PKP: In your book, The Wedding, you deal with a struggling marriage. It's obvious from our conversation and from the comments on your website that you make your marriage a priority.
NS: We always do and we always have. I personally think it's one of the best lessons that you can teach your children is to keep your spouse happy in a marriage and to make time for them individually. My wife and I go out to lunch three times a week. We go on a date once every other week. We take weekend trips --- just the two of us --- two or three times a year. We will also take a five-day vacation --- just the two of us --- once a year. My wife doesn't want to leave any more than that --- she's still a mom, first and foremost. But our children see us all the time --- hold hands, we exercise together. We get up earlier in the morning so we can have some time together. We make it a priority throughout the days and weeks and months.
PKP: What words of encouragement would you say to couples who are struggling with their relationship?
NS: The secret to a happy marriage is extraordinarily simple, but it requires both parties to take part. The secret to a happy marriage is this: find out what the most important things are to your spouse and you do them. That only works if your spouse does them back.
For my wife, it's very important to her that I hold her hand and sit next to her on the couch and watch, Trading Spaces. That I spend a lot of time with the kids. That I sit and listen to her talk, and not necessarily about anything important. These things are very very important to my wife. So, I do them.
Then I have things that I like to do. I like to spend time with my wife doing fun things. I think exercising is fun. She makes time to do that, to do whatever it is, going to ball games; go fishing. Whatever it is, she does recreational stuff with me. I have a list of five things that are very important and she does too. I do hers, and she does mine, and we both feel like we're getting the most out of marriage as we possibly can.
It's very simple. Most people make it way too complicated.
© Copyright 2004 Wordcrafts.net. All rights reserved. Cannot be reprinted without permission.


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More important articles I have co-authored are
I have written articles to the Estonian popular scientific magazine Horisont (Horizon) about particle physics and the LHC accelerator, dark energy and chameleon fields, and Boltzmann brains.
For a change, I have translated three books from English into Estonian.
In the suggestive The Unlimited Dream Company by J. G. Ballard (in Estonian: Unenägude täisühing, Varrak, 2003), a pilot crashes with his plane into Thames and turns, as some Pagan redeemer, a bland London suburb into tropical paradise.
The one and only novel by Carl Sagan, Contact (in Estonian: Kontakt, Varrak, 2006), describes receiving a message from outer space and first contact between the mankind and other civilizations. Unlike most science fiction writers, Sagan knew his topic well as an astronomer and pioneer of SETI, and wrote a novel of good style and believable psychology.
John Updike's Rabbit, Run, (in Estonian: Jookse, Jänku, Varrak, 2009) shows the changing America of fifties through the life of a former high school basketball ace. The best times are past for Harry "Rabbit" Angstrom and he is seized by disquietness.
Created: 19.12.2004
Changed: 25.03.2016


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Islamic group banned from Seminole schools
Speakers from the Academy for Learning Islam in Sanford came to Seminole's Lake Brantley High School to talk about the Islamic culture. By the end of the class period, though, the talk strayed to the touchy topic of religion instead. And some parents soon complained that the group was trying to convert their children, the Orlando Sentinel reports.
Representatives from the Academy said they had no intent to push religion. But the damage had already been done.
Seminole officials are now reevaluating their rules for who can make classroom presentations. Teachers will have stricter guidelines before the new school year begins, officials told the Sentinel.
It's an interesting issue, that of controlling the conversation in the classroom. What if a student had brought up the topic of the Islamic religion instead of an outside speaker? Just wondering.


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text: Tony, this is a very interesting mail. Could I ask you did you notice an improvement in the time it takes to access WAP sites when you started using a GPRS enabled handset ? One of the vaunted reasons for i-mode superiority over circuit-switched WAP is speed of access to content from clicking the handset until the content arriving back, am interested in what you perceive as a user in HK. How many seconds does it take typically for a response ? While there is significant variation depending on network traffic, I assume, i-mode spits back a response within 4 to 6 seconds from clicking. From my experiements, I sense that the access time is much faster from the second page of a site, while the first page can take significantly longer, perhaps others on this list can explain why this is. I find J-Phone`s J-Sky to be noticably slower than i-mode. THks in advance, Philip Greenan Network365 Japan$B!!(B -----Original Message----- From: email@example.com [mailto:keitai-l-bounce@appelsiini. net]On Behalf Of Tony Chan Sent: Tuesday, July 03, 2001 3:20 PM To: email@example.com Subject: (keitai-l) Re: GPRS content question -- please help! Here in Hong Kong, all the operators now operate WAP services, and GPRS is essentially the same except over a packetized core netowrk. Some operate so-called, walled gardens, which do not allow users to go outside content hosted within an operator's network while others have some kind of open gateway which allows users to wander outside and visit sites on the Net in general, such as DoCoMo-partner, Hutchison Telecom. It's strictly a policy and business issue. Some operators have a strategy to keep control over its content either to (hopefully) get some share of the revenue from it, or to use the content as a competitive differentiator (we have it and they don't angle). Some operators don't care and allow their users to go anywhere they choose on the Web (the more is better than less attitude). So whether or not a GPRS user can or cannot access a particular site is determined entirely at the operator's discretion, usually at the routing table of the GGNS or SGNS, or whatever it is that supports a GPRS on the core network is called. The other factor that could restrict a GPRS user's access to Web sites is bandwidth. While most mobile operators operating wireless Internet services will have some kind of bandwidth to the local Internet exchange to route traffic to local content sites, there is no guarantee that they will install any international (often very expensive) bandwidth to support users who want to access overseas Web sites, for example, an i-mode users trying to acces a Chinese newspaper Web server located in Taiwan. As far as I know, DoCoMo have put in this international link since a friend of mine actually downloaded the Telstra page in Australia while in Tokyo, proving that the request from the i-mode browser can find its way to the server Downunder and vice versa. Without an international link, even an operator will an "open" policy, like DoCoMo, would not be able to provide access to overseas Web sites. Also, some operators might have this link in place, but it is so small that more than a handful of users at a time would bring traffic to a standstill. Economically, it is very hard to justify the expense of international bandwidth just for a handful of users. Also, even though DoCoMo generates revenue on every bit of traffic, including those going to unofficial sites, their margins for international i-mode traffic would be dramatically reduced (if they get margins at all from it) by their provision of the international link. John Floss wrote: > > Hi folks, > Ok, here's something that is stumping me, so please go > easy on me as I know it's probably an easy answer: > > On Jphone and i-mode, the content (i.e. websites) are > viewable over the phone AND over a normal web browser > (though through a browser things might look odd with > the c-html). > > Now, if I am NOT an i-mode registered/bonafide i-mode > provider, i-mode folks can still get to my site by > typing in the url, right? yes. It might be a little > more difficult for users as my site is not one of the > sites accepted by the venerable docomo corporation > (what the heck does it take to be a member of their > elite crew of sites anyway...) but nonetheless, users > can reach my site by typing in the url. > > Now, here is my problem: What About GPRS? Does anyone > know if a GPRS handset user in another country can > easily access NON-accepted sites from their own > telecom provider? I am planning on launching some > sites in China and Taiwan when GPRS is in full effect > and some people have told me that if I am NOT a member > of China's or Taiwan's ELITE crew of accepted sites, > users WILL NOT be able to see my site. This sounds > incorrect asd I assume users can just type in any URL > and go visit those sites (as long as they are using > code viewable by the respective handset browser). > > Can anybody shed light on this GPRS handset issue? > > Thank you for your time. > > J.F. > > __________________________________________________ > Do You Yahoo!? > Get personalized email addresses from Yahoo! Mail > http://personal.mail.yahoo.com/ > > [ Did you check the archives? http://www.appelsiini.net/keitai-l/ ] -- Binary/unsupported file stripped by Listar -- -- Type: text/x-vcard -- File: tonyc.vcf -- Desc: Card for Tony Chan [ Did you check the archives? http://www.appelsiini.net/keitai-l/ ] [ Did you check the archives? http://www.appelsiini.net/keitai-l/ ]Received on Tue Jul 3 12:57:21 2001


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Bruce McMurdo
Technical Leader
Bruce McMurdo has more than 20 years of experience in data networking. He has been employed at Cisco since 1996, working as a network consulting engineer, a wireless LAN product manager, and most recently as a technical leader. McMurdo has technical expertise in network virtualization, wireless LANs, and unified communications, and has frequently presented and published on these subjects. He holds CCIE certification 1537.


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Submitted by News Team on
Celebration will feature a "Winning Artist" display from Giles County Public Schools and the Giles Arts Council[[{"fid":"20316","view_mode":"default","fields":{"format":"default","field_file_image_alt_text[und][0][value]":"","field_file_image_title_text[und][0][value]":"","field_media_tree[und]":"_none"},"type":"media","attributes":{"height":"213","width":"320","class":"media-element file-default"}}]]
The new Carilion Giles Community Hospital (CGCH), completed on Hartley Way in May of 2010, has been proudly serving the residents of Giles County and the surrounding region with quality care for four years. To celebrate this milestone, CGCH is joining with the Giles Arts Council to present an anniversary celebration in the hospital lobby on June 1st, 2014 from 2:00-4:00 p.m. The celebration will feature the outstanding work of Giles County Public Schools winning artists. Light refreshments and entertainment will be provided. Members of the community are encouraged to attend and show their support for the hospital and these budding artists.
CGCH's services include 24 -hour emergency care, advanced diagnostic procedures, minimally invasive surgery, nuclear medicine studies, comprehensive rehabilitation programs, advanced cardiac testing and diabetes management. In 2011, 2012 and 2013, the CGCH Emergency Department was named a 4-Star Award Winner for Overall Quality of Care in Emergency Department Services by Professional Research Consultants, Inc. (PRC). The award is an indication of the excellence in care provided at CGCH every day.
Giles County Public Schools art show winners taught at Giles High School by Rhonda Colavecchio and Lauren Green and at Narrows High School by Amber Nelson will be recognized at this event by the GAC. Giles Arts Council is a non-profit (501c3) organization whose mission is to provide a public arena for the visual, performing and literary arts in Giles County by supporting economic growth and tourism through artistic projects and performance while preserving the Appalachian heritage and the indigenous arts of this region.


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Total weight gain: 18 lbs. (Pre-pregnancy weight: 110lbs-112lbs.)
Maternity clothes? Duh. Although today I am wearing a non-maternity dress that fits so well, and although my toes are numb and frost bitten I am rather comfortable. My belly can breath!
Stretch marks? No- and still have yet to get anything that will help with the itching- Sweet Jesus. My belly itches like crazy.
Sleep: In bed by 8:30pm-9pm every night. Sleeping so hard- I look like I've been whacked with a baseball bat when I get up in the morning. Part of it is because I'm just plain exhausted, and the other has to do with the fact I'm on antibiotics that 'may cause drowsiness- do not drive or operate heavy machinery'. I get up 2-3 times a night to go to the bathroom, but don't have trouble falling back to sleep at all whatsoever.
Best moment this week: Feeling my babies move:)
Miss Anything? I'm gonna go with what I said last week -because it is still SO true: The versatility of my pre-pregnancy wardrobe. Dangit.
Movement: Yes- finally! I know for a fact I felt baby on the right (my right..) on Saturday.. err- Sunday morning at the hospital. I know because just as the nurse said she moved I felt something like muscle movement. This week I have felt the bubbles and popcorn sensations regularly. Half the time I think it is just my tummy growling (I'm still always starved.) or my food digesting. But it is the same feeling everytime- and I can't say my tummy grumbles follow the same pattern everytime, per say. Last night I drank some carbonated water and my belly was going nutso! I know at least some of that was my sweet girls making their presence known.
Food cravings: Still enjoying my dry cereal every night before bed. I eat ourselves out of house in home when it comes to fruit- I came home from my weekly shopping trip with 8 apples (along with plums, tangerines, honeydew melon, grapes, strawberries, Rainier cherries, bananas..it will all be gone by Friday- I promise.) Between Jordan and I we have already gone through half of those apples. Plain Greek Yogurt- either mixed with Pumpkin Flax Granola or.. fruit (shocker!), and anything salty. Still showing love to Chester with my addiction to Cheetos- We have started to get the jumbo bags from Sam's Club. I know.
Anything making you queasy or sick: hmm.. well nausea is coming from these antibiotics meds I'm on, but nothing related to food. Pizza Chicken Rolls are on the menu for tonight. If I end of chunking it I think I'll be okay with the asparagus and Cream Cheese Polenta side dishes.
Gender: My sweet girls.
Labor Signs: Nope.
Symptoms: Congestion continues. So tired. all.the.time. I feel like I cannot keep up. I'm in bed before 9pm- and granted I am up around 5ish everyday- that is still 8 hours of sleep- plenty more than I ever go before gettting pregnant. I feel like I can't get enough.
Belly Button in or out? Innie.
Wedding rings on or off? On. I almost took off my 'I love you' ring that J got me for our anniversary last year. It is on my right hand- and is the same size 5 that is my wedding ring, but it fits a little snug due to the fact it is on my dominant hand. Within minutes of forcing it past my knuckles I felt- for lack of a better word- guilty and put it back on after I started to put it away. I couldn't imagine not wearing it for the next several months. It will have to come off soon, but not this week:)
Happy or Moody most of the time: Happy and a little humbled. After this past weekend's hospital trip I realized that all this pregnancy stuff is so fragile and precious. Even though the girls are just fine and the trip ended having nothing to do with the girls, I've got two growing babies inside of me! That is serious business, folks!
Looking forward to: Finally moving into our new house! It will be so much more fun to be able to have a place to put all my ideas into:) Oh, and 'bedrest'. Can't wait for that:) Starting September 1st I'll be spending my last trimester homebound per my doctor's orders. Since I am high-risk for preterm labor it is best that I take it incredibly easy- meaning no housework, no grocery shopping, and no work work. I can sit at the computer or make a sandwich, but nothing that requires too much effort- getting up in the morning, showering, makeup, and driving to work is surprisingly stressful on the body- and my doctor will have none of that. But both Jordan and I agree that we would rather keep these babies safe in my belly rather than the NICU, and would MUCH rather do it at home- not the hospital. Much more comfortable, and can I say- much CHEAPER. So- I have just about a month left before my time at home. Anyone got any suggestions for good books? I'll be catching up on my long lost love of hardbacks.
18 Weeks
Total weight gain: 18 lbs. (Pre-pregnancy weight: 110lbs-112lbs.)
17 Weeks
How far along? 17 Weeks 2 days
Total weight gain: 16lbs. (Pre-pregnancy weight: 110lbs-112lbs.) It doesn't matter if I am watching my intake- sticking to lean protein and veggies, or chowing down on Cheetos and chicken tenders.. the weight is coming on.
Maternity clothes? Just about in full maternity. I attempted to 'slip' into a pair of my favorite cream slacks this morning when I was trying to figure out what I was going to wear- thinking I would just wear the belly band with them (basically, I'm screwed at this point if I don't have any clue what I think I want to wear. I have to do it the night before.) After wiggling into them, I quickly pulled them off for fear that if I made any sudden movements I would tear the seam down the rear. I may have shed a few tears after that episode. I don't understand how some women wear their pre-preggo clothes through their entire pregnancy. Yes, I am aware that I am carrying twins- but just saying.. Wearing my go-to Gap Pure Body Side Ruched Tanks here in this picture- love them. Simply L.O.V.E. them to the moon and back.
Stretch marks? No- although Jordan continues to remind me of the lotion that I need to get to help with them. I think he overheard me and the girls talking about it a couple weeks back and so now he has got it on the brain. Anyone have any tips on the type of lotion to get?
Sleep: In bed by 8:30pm-9pm every night. Sleeping well for the most part. I get up 2-3 times a night to go to the bathroom, but don't have trouble falling back to sleep really.
Best moment this week: When I was drawing on the chalkboard, Jordan asked me what size the girls were at 17 weeks.
Me: They are the size of an onion now- getting so big!
Jordan: Well, that's not what you are writing.. wait, they can hear now? Why didn't you tell me this?
Me: We talked about it last week while you were talking to my belly- and I told you at 17 weeks they should be able to hear you..
Jordan: But, you didn't tell me they can hear now! I would have talked to them already…
Me: You mean, since today- the start of 17 weeks, they can hear and your upset because I haven't told you yet?
Silly boy. Makes me laugh:)
Miss Anything? The versatility of my pre-pregnancy wardrobe. Dangit.
Movement: No! I find myself laying really still trying to see if I feel the flutters, and then I realize I've stopped breathing, which can't be good for any of us residing in this body. It takes me a few seconds to recover from not breathing and try it again- with the same 'not breathing' stunt I pulled before. I'm over it at that point. How do I lay really still AND keep on breathing?
Food cravings: Dry cereal, Fruit, Plain Greek Yogurt, and anything salty- think, pickled okra and saurekraut. The thought of one of those Reuben sandwiches makes my mouth water- never even thought twice about something like that pre-preggo. Oh, and how could I forget, fried food. I suppose the pregnancy gods are getting the best of my appetite now because I typically wouldn't touch that kind of stuff 5 months ago.
Anything making you queasy or sick: No queasiness or nausea at all this week. We enjoyed not one, not two, but three meat protein dinner meals. A major change from before.
Gender: Still have them girls in there.
Labor Signs: Nah.
Symptoms: When I am out and about running errands or whatever, I've become very aware of every bathroom in the vicinity of the area. I have to go all the time. Often times I find myself flushing the toilet, getting my clothes situated and comfortable, washing my hands, and realizing I have to pee. Again. True story. Happened about 3 minutes before sitting down to finish this post. I'm ravenous for the most part- but when I do eat I attempt to get in smaller portions. Depending on what I'm eating, I get full really quickly. Yesterday I was miserable after eating just one (6-oz) carton of Greek yogurt and a handful of grapes. I'm also pretty sure I'm the only one blowing her nose every 5 minutes when it is 100+ degrees outside. We were laying by the pool yesterday and I couldn't breathe out of either nostril at all whatsoever.
Belly Button in or out? Innie.
Wedding rings on or off? On
Happy or Moody most of the time: Happy, Happy, and a little grouchy some mornings. I'm still SO tired all the time- I used to be a morning person, but not so much these days.
Looking forward to: Beginning my 5th month of pregnancy- and hopefully to be feeling those baby girls soon! I've been feeling good and enjoying every minute of my pregnancy- such a blessing. I can't belive how fast this is all flying by!
Pasta with 3-Herb Pesto
A couple nights ago I made this super simple pesto pasta to serve with Mediterranean Chicken Meatballs– and it was delicious- especially paired together!
In reality, you could definitly make this pasta dish and pair it with any protein you please- this would be awesome with seafood. Give me the 12-ounce limit in a week and I'm counting my seafood consumption right down to the ounce. It's like the ham sandwich. Those things I'm not supposed to have is all I can imagine I could ever eat. Serious. It is the end of the world if I miss out on my 12-ounces of seafood for that week. Ok, not really, but I claim my dramatic over-the-top reactions to being pregnant.
Choosing the herbs to use are free for you to decide, but I really enjoyed the classic flavors of the basil, oregano, and parsley. Last night, I actually watched Rachael Ray make pesto with Butter Lettuce. I know. I think I"ll be trying that out soon!
Making my own pesto sauce allowed for me to control the amount of fat (olive oil) the went into the pesto- substituting lemon juice and zest gave an extra boost of flavor. Really delicious. While the fat in EVOO is the 'healthy' fat- optimal for a pregnant woman, it is still fat, and too much is still too much.
I took a fiber boost from whole wheat pasta- every little but helps these days- don't you know that's the truth! Not to mention the fiber helps me to keep my blood sugar in check. Protein in whole grain/whole wheat pasta allows for me to stay full and get enough for all (3) of us in the body!
Look at the greeeeeen! It has got to be good!
Adapted from Cooking Light
- 3 cups fresh basil leaves
- 1/2 cup fresh parsley
- 1/4 cup fresh oregano
- 2 tablespoons pine nuts, toasted
- 2 tablespoons grated (pasturized) Parmesan cheese
- 1/4 teaspoon kosher salt
- 4 garlic cloves
- 2 tablespoons olive oil
- 2 tablespoons fresh lemon juice
- 1 lb whole wheat/whole grain gemelli pasta, cooked and drained (about 8 cups)
Place first 7 ingredients in a food processor; process until smooth With processor on, slowly pour in the oil through the food chute, mixing until blended. Toss with pasta. Fold in tomatoes and serve with additional parmesan as desired.
Nutritional Information:
Calories: 337; Fat: 4.8 g; Carbohydrate: 55.6 g; Fiber:12 g; Protein: 11 g; Sodium: 123 mg
Greek Chickpea Salad
So..what am I eating this week?
Well.. let's see. I've developed this weird food aversion since starting my second trimester (nothing too serious the the supposed miserable 1st trimester, and NOW I start with the weird food things.) It isn't a real aversion I would say, I've just become really really picky. Which is SO strange for me- the girl that will eat everything you put in front of me- or at least try it, anway.
So.. it has become fairly difficult to judge what I will or wont want at the moment. Last night my Fireman was working, leaving me at home to fend for myself for all meals.
I had seen a version of a Greek Salad in one of my cooking magazine for this month- boasting the serious use of fresh herbs. If it ever a better time to start attempting to go meatless once or twice a week, this is the time to do it. Unique and not so unique produce and fresh herbs are booming and at peek of freshness this time of year!
I took advantage of it with this salad. Aside from the fact that it took all of 8 minutes to throw together (chopping included) it is preggo belly friendly with the use of heart healthy fats found in the olive oil and lemon juice dressing, lean plant based protein from the chickpeas (used organic- less sodium) and kept it safe by making sure my Feta cheese was pasturized. I seasoned with just a touch of salt, but really focused on getting flavor by using three different kinds of fresh herbs. I made a Greek risotto last week and thrw in some fresh dill.. I couldn't help but use it again here. Too much added salt can cause increase in blood pressure- a risk all pregnant women have due to the mega increase of blood volume.
I brought the leftovers from my batch last night for lunch today.
I can't wait for lunch…
- 1 (15-ounce) can organic garbanzo beans, rinsed and drained
- 1 cup cherry tomatoes, halved
- 1 large cucumber, seeded and chopped
- 1 tablespoon fresh parsley, chopped
- 1 tablespoon fresh oregano, chopped
- 1 tablespoon fresh dill, chopped
- 1/3 cup (about 2 ounces) pasturized feta cheese
- 1/3 cup pitted black olives, sliced
- 1 teaspoon fresh lemon zest
- 2 tablespoon fresh lemon juice
- 1 tablespoon extra virgin olive oil
- 1/4 teaspoon kosher salt
- 1/4 teaspoon ground black pepper
In a large bowl, combine first 8 ingredients. Add in lemon zest, juice, olive oil and toss to combine. Season with salt and black pepper. Serve chilled
Nutritional Information:
Calories: 198; Fat: 10 g; Carbohydrate: 17 g; Fiber: 4 g; Protein: 10 g; Sodium: 515 mg
16 Weeks
Total weight gain: 15lbs. (Pre-pregnancy weight: 110lbs-112lbs.)
Maternity clothes? Full maternity for the most part. Repeat outfits are already happening, and if you know me well enough this pretty out of the ordinary. But when something is comfortable, it's what I'm gonna wear, over and over. The Gap Pure Body Side Ruched Tanks are a favorite as well as my (hand-me-down) Target Liz Lange yoga capris. You can see me wearing these two together more often than not. The tanks are good for work and lounging at home. So cute on, and I like the way it makes my tummy look. I'm actually wearing a navy one under my yellow sweater in the belly picture.
Stretch marks? Nope
Sleep: Still in bed early on most nights. It's becoming more regular, even when Jordan is at work.
Best moment this week: We spent some serious pool time with our Firefighter family over the weekend to celebrate the 4th (on the 7th). It was fun to see all of my wifey friends- none of them had seen me since my new found curves (well, just one curve actually..) One of the girls just about made my day within the first five minutes after a welcome hug: "Girl, you are still so tiny and you are 16 weeks!" Thank you. Thank you very much. (I'll always accept comments like these..)
Miss Anything? Margaritas. There was a rather large margarita machine at the party this weekend. I literally gawked at every person walking by me with a 'rita in their hand wishing I had a really, really long straw. It was 104 degrees and I wished nothing more than to have a frosty drink. I stuck with my ice water in a Solo Cup to match everyone else laying by the pool enjoying their adult beverages.
Movement: No! Boo. My doctor told me at my 16 week appointment on Monday that I should be recognizing feelings of them move soon.
Food cravings: Dry cereal (Cascadian Farms Chocolate O's or Fruitful O's and Life Original ), Fruit, Plain Greek Yogurt (Oikos and Fage), Cheetos Puffs, and anything salty. Last night I woke up STARVING at 2:45am. I laid there for 30 minutes before I decided I wasn't going to be able to fall back asleep unless I had something to eat. Dry cereal did the trick:)
Anything making you queasy or sick: Chicken, although it successfully made its way to my plate twice this week! The second time (last night) didn't do over so well with my tastebuds, but I was able to pick around it.)Sweets are another thing that I'm not too fond of lately. I'll eat them thinking I want them, and then feel yucky soon after.
Gender: Still have them girls in there.
Labor Signs: Nah.
Symptoms: I feel pretty good this week, no realy complaints. I feel like I'm starving all the time (hence the 3am snack.) Headaches come and go and congestion rears it's ugly head on a daily basis.
Belly Button in or out? In- although my 'never-ending' belly button isn't so never ending anymore.
Wedding rings on or off? On
Happy or Moody most of the time: Quite the happy girl these days. Still to thankful to be SO blessed. I can see God's hand in my life on a daily basis. So awesome.
Looking forward to: Beginning to build the nursey of our dreams🙂 We think we have finally found the crib(s) and the colors for the baby bedding. We searched this past weekend through multiple stores and online for both. I've been looking for the perfect colors to have the bedding made for weeks and was out of luck until Friday night I found someone on etsy that will make all we need in the most gorgeous colored fabric. Perfect colors for what I'm looking for in the nursery!
Poly Cystic Ovarian Syndrome {PCOS}
As a female that currently suffers from Poly Cystic Ovarian Syndrome (PCOS), I know what it is like to deal with dreaded dieting. Even as a dietitian, with all that I know and practice (for the most part) myself, I struggle to make sure to get in enough 'healthy foods' that will optimize my health and wellness with PCOS. For the past 10 years I dealt with doctor after doctor, trying to figure out what in the world is wrong with me, and finally, 2 years ago, I met my current OB/Gyn and was diagnosed. Finally. Some answers. Due to the fact that I don't actually fit the bill for classic PCOS, I was never observed for it which led to years of confusion and multiple trials with different birth control, hormones, and uncomfortable testing. The ultimate reason for my diagnosis? My new doctor happens to suffer from PCOS herself and looks for it in her patients, especially those that don't 'fit the bill'- she doesn't show classic signs, either.
So what does this diagnosis mean for me now?
While there are no specific foods or beverages that will make anyone more fertile or cure PCOS, one's overall nutrition has a subtle, but powerful effect on all of the body's systems, including the reproductive. Having a basic awareness of what "good nutrition" means and what is going into your body can affect your efforts to conceive a successful pregnancy particularly if it's complementing fertility treatments which in themselves can be stressful.
Research has shown changing eating habits and getting more exercise helps to manage PCOS. Regular exercise can help alleviate symptoms of PCOS. Get moving with at least 30 minutes of moderate-intensity physical activity five days a week. (For weight loss, additional physical activity may be needed). Increase muscle mass with strength-training exercises at least two times a week. Exercise can help with depression and body image, too.
Moderate weight loss (about 10 percent of total body weight) can help normalize menstrual cycles, regulate blood sugar and increase a woman's chances of conceiving a baby. Eating more whole-grain foods, fruits, vegetables, lean meats and low-fat or fat-free milk, cheese or yogurt can help lower your blood sugar, improve your body's use of insulin and normalize hormone levels.
The best eating plan for women with PCOS
- Regular meals or snacks every three to four hours. Don't skip meals.
- High-fiber carbohydrates to keep blood sugar levels normal and hunger pangs away. Eat whole grains, fruits and vegetables.
- Since the average woman with PCOS is struggling with her weight, she is probably on a restrictive diet. Chances are those with PCOS have heard that carbohydrates are "bad" and is therefore limiting carbohydrates as much as possible. I strongly suggest limiting refined carbohydrates, and focusing on high-fiber options as well as fruit and vegetables.
- More healthy fats, like olive and canola oils, walnuts, almonds and avocadoes.
- Studies show that as many as 70% of all women with PCOS have elevated levels of LDL cholesterol ('bad' cholesterol) and low levels of HDL ('good' cholesterol) both of which are strong predictors of cardiovascular disease.
- Add lean proteins in all meals and snacks. Try nut butters, lean meats, fish, chicken, turkey and low-fat dairy products with all meals and snacks.
Don't forget to add in some snacks between meals!
It's important for women with PCOS to eat often throughout the day. This decreases cravings and binges, gives you energy, and helps prevent low blood sugar (a result of waiting too long to eat between meals).
Remember that food portions matter and be sure to vary up your snacks to prevent boredom and to maximize the nutrients in all foods.
PCOS Snack Suggestions
· 28 grapes & 2% string cheese
· 1 apple and 2T peanut butter
· ½ c LF cottage cheese and 1 c melon
· 6oz 0% Greek yogurt & 2T ground flax
· Hard-boiled egg & 1 slice wheat toast
· ½ cup cooked oats & 2T walnuts
· Latte with non-fat milk
· ¼-1/2 cup Trail mix
· 8 whole grain crackers & 2% string cheese
· 1 cup low-sodium vegetable soup
· 12 almonds & 1 navel orange
· 1 single-serving pouch of tuna & 4 whole grain crackers (Kashi TLC)
· 1 Mixed fruit cup & 3 slices deli meat
· 2T hummus 10 baby carrot
15 Weeks
For the record- My sweet hubby insisted I take the weekly bump picture with my swim suit on. We were headed out for some quality pool time, and decided right that second was the very best time to take the picture. No makeup, (very) dirty hair, and baring my belly for all to see.
Most of my wardrobe this week consisted of nothing really more than this and another suit. So, It seemed fitting to him, I guess. So, I obliged his request:)
How far along? 15 Weeks 3 days
Total weight gain: 13lbs. (Pre-pregnancy weight: 110lbs-112lbs.)
Maternity clothes? Still wearing one pair of non-maternity pants to work.. my brown pants. I will say that I could LIVE in my Loved by Heidi Klum black skinny pants. I LOVE them. I'm fearful that I may be wearing these from now until the end of work for me.
Stretch marks? Nope
Sleep: Still tired most of the time. I could sleep anywhere.. The other 'night', Jordan and I were in bed dozing off to sleep at 8:30pm. It was still light outside! My early-to-sleep/early-to-rise hubby appreciates my desire to get into the bed around that time.. last night we were both asleep by 9:30pm, and I didn't budge all night.
Best moment this week: Getting to visit with Jordan's family over the July 4th holiday. We have decided upon names for the girls, and one of them will be named after Jordan's Granny. We got to tell her in person, which was so fun.
Miss Anything? Caffiene. This week I started getting headaches (I have one currently, but I'm pretty sure it is this headband thats causing it rather than lack of caffiene.) and so I always wish for the caffiene that just might make it go away. I know it is probably not the case of a caffiene headache- I havent had a Diet Coke or regular coffee in almost 5 months, but the thought that I have a 'cure' is in my brain. Plus, just a little pick me up would be nice since being so sleepy all the time.
Movement: Nothing yet- c'mon babies, make a move!
Food cravings: Dry cereal at night before bed continues. Still eating my weight in FRUIT– doesn't matter what kind it is. Greek yogurt is a favorite. I crave it. I get excited at the thought of paring it with fruit.. and ham sandwiches. breakfast, lunch, and dinner. I.want.one.every.meal.
Anything making you queasy or sick: Still eating a lot of vegetarian meals. Half of the time the thought of meat still buggs me- chicken in particular. Still no leftovers for me, either.
Gender: Baby girls x 2!! We go to the doctor on Monday for another check up. Jordan made the comment the other night that he wouldn't be surprised if there is a boy in there… Hush your mouth, boy;)
Labor Signs: Nope.
Symptoms: Headaches here and there- not liking these at all one bit. I've never dealt with headaches before, so this is new to me. Nosebleeds, so gross.. and apparently normal- mostly just in the morning with all the congestion I have going on. I've been told of the weird dreams women have while preggo, and well, those have started, too. Earlier this week I dreamed I was in a house full of live bears, all sleeping and I had to stay extra quiet to make sure none of them woke. A couple nights before that I was a demo girl at SAM's Club.. making smoothies for customers. Last night I smoked about 12 packs of cigarettes, one right after the other. Disturbing. Never smoked (aside from the random occasions to be cool in high school.) They are all so random.
Belly Button in or out? In
Wedding rings on or off? On
Happy or Moody most of the time: Not moody, per say..just emotional. I had random bout of tears (frantic tears, really) while we were at the lake. I couldn't find my teddy that I sleep with evety night (yes, 27 and and about to have children and still have a teddy..) Jordan thought I was about to have a metal breakdown if he didn't find it fast. Earlier this week I spent most of my Monday in tears.. well because it was Monday. Apparently a stressful day for a pregnant woman.
Looking forward to: Planning out the nursery decor. J and I have been putting together ideas for what we want and like. We have the colors down for sure, but now it comes to the questions; "Do we put color on the wall or stick with a neutral and put color in the decor?", and "What should the baby bedding look like?", or "Chandelieror ceiling fan..? <— Thats a no brainer, duh. But, humoring my hubby with the thought of keeping the ceiling fan;)
14 Weeks
How far along? 14 Weeks 3 days
Total weight gain: 8lbs. Still. Thank.The. Lord. (Pre-pregnancy weight: 110lbs-112lbs.)
Maternity clothes? Not totally. I've been so graciously showered with clothes from friends to help with the dreaded cost of additional clothes. I halfway envy those of you preggo women that can wear the belly band through your entire pregnancy. I didn't wear the band at all the entire weekend, and back in one today- pretty, well, really uncomfortable. Blah.
Stretch marks? Nope
Sleep: Better! No more regular naps in the afternoon, but I still will sneak one in here or there (wishing for one at the moment..) Bed time for me/us is about 9pm- I'm wiped out by 7:30-8pm.
Best moment this week: Going to start our registry! Now that we know the sexes of the babies, we can shop for specifics.
Miss Anything? Still miss sleeping comfortably on my tummy. That, and being comfortable in my clothes. Wishing maternity wasn't still too big.
Movement: Nothing yet
Food cravings: Dry cereal at night before bed continues. Still eating my weight in FRUIT– doesn't matter what kind it is. Processed cheese including: Kraft Singles & Cheetos. Sweets sort of gross me out, and so anything savory is good.
Anything making you queasy or sick: Still eating a lot of vegetarian. Half of the time it is meat- chicken in particular. Still no leftovers for me.
Gender: Baby girls x 2!! Still a shocker to the both of us. I can't wait for frills and bows!
Labor Signs: Nope.
Symptoms: Typical symptoms aren't there, but still tired. Headaches and random bouts of nausea here and there- all short lived. I get really grossed out by bodily noises- the physician I work with belches grossly after drinking chugging his Monster every morning (I know, how can anyone take him seriously?) I want to slap his mouth everytime- but refrain. I should probably add irritable to this list, too.
Belly Button in or out? In
Wedding rings on or off? On
Happy or Moody most of the time: Happy & EXCITED to be out of my first trimester, and this belly shows it!
Looking forward to: Beginning to pull together for baby girl things- shopping for clothes, headbands, LARGE headbands, with HUGE flowers and bows.. not to forget the lace, tulle, and frilly things. It is only destiny that I have a girl. But I have been blessed with not just one, TWO baby girls!
Spicy Sausage Pasta
These days I'm all about the quick and easy. In fact- I rely on the quick and the easy due to the simple fact that my taste buds are changing about every minute, and there has been the occasion that I've been completely turned off by the meal by the time we sit down to eat it. So- one would think, I'll just save this for leftover..? Wrong. Leftovers quease me out beyond means. Me- the self-proclaimed Queen of Leftovers can't even stand the thought of them these days. Yowzaa. So- this recipe is right up my alley with it being super quick and really easy- not to mention totally delicious.
I took this recipe from Amanda over at Kevin & Amanda, but made some changes per this dietitian brain of mine. I typically prefer chicken sausage over prepackaged turkey sausage, and I skipped the heavy whipping cream as well as the added EVOO (fat) to the pan. I'm already 8 pounds up from my pre-pregnancy weight and I just hit the end of my first trimester. Gotta take it easy with the fat intake- espically the saturated kind. I did decide to amp up the whole grains and used whole wheat penne, rather than the regular enriched pasta. I'll take fiber ANY chance I get these days- hence my evening cereal kick I've got going. My Fireman already informed me that this habit will be stopped once these girls get here. He isn't a fan of the crumbs in bed.
I will say that today for lunch I ate this leftover. First reheated meal since I became pregnant- so that has got to tell you something, right?
I decided it kind of reminds me of my Fireman's Spicy Chicken Spaghetti.
But better.
- Ingredients
- 4 spicy Italian chicken sausage links (about 1 pound), casing removed
- 1 large Vidalia onion, chopped
- 3 garlic cloves, minced
- 2 cups organic fat free, lower sodium chicken broth
- 1 (10-ounce) can mild diced tomatoes and green chiles (i.e; Ro-Tel)
- 2/3 cup half and half
- 8 ounces whole wheat penne or other tube shaped pasta
- 1/4 teaspoon kosher salt
- 1/2 teaspoon ground black pepper
- 1 cup (4-ounces) shredded Monterey Jack cheese
- 1/3 cup thinly sliced green onions, white and light green parts only
Heat a large non-stick skillet coated with cooking spray over medium high heat. Add sausage and onions and cook, crumbling sausage until lightly browned, about 4 minutes. Add garlic and cook until fragrant, about 30 seconds.
Add broth, tomatoes, half and half, pasta, salt and pepper and stir. Bring to a boil, cover skillet, and reduce heat to medium-low. Simmer until pasta is tender, stirring occasionally. Allow to simmer about 15 minutes.
Remove skillet from heat and stir in 1/2 cup cheese. Top with remaining cheese and sprinkle with green onions. Broil until cheese is melted, spotty brown, and bubbly- about 2-3 minutes.
Nutritional Information:
453 calories; 16 g fat; 46 g carbohydrate; 8 g fiber; 33 g protein
Welcome to Oats & Honey
So, what is Oast and Honey? Oats and Honey is my place for all things pregnancy motherhood, and the babies that come along with it! Motherhood is totally new to me, definitely uncharted territory to say the least- and I think there is no one better to share my experiences with than my favorite Chocolate Broccoli readers!
Follow me, week by week, as my belly (and cravings!) grow- and learn how this dietitian deals with her journey to becoming a mother of twin baby girls! Thats right, I've got baby girls x 2 in this belly!
I revealed to my sweet friends this past weekend with special baby girl cuppy cakes- and how fun it was to see their reaction. No one, including myself thought that I would be carrying two baby girls! I thought for sure I had at least one boy in there somewhere!
So here's to the beginnings of my journey with you and my sweet baby girls- nothing sweeter in life than that!


text:
Taylor Swift admitted in a recent interview that she wrote her recent breakup song to annoy an ex-boyfriend whenever he heard it on the radio.
The singer dished that she came up with "We Are Never Ever Getting Back Together" as a way to drive one of her exes crazy whenever it appeared, reports The San Francisco Chronicle.
The break-up anthem, which appears on the the singer's newest album "Red" is an attempt to exact revenge on the still unnamed former lover who belittled her music.
Swift also stated that she wished the song would get as much airplay as possible, so that she'd have the greatest chance at annoying him. The singer stated:
"[It's] a definitive portrait of how I felt when I finally stopped caring what my ex thought of me. [He] made me feel like I wasn't as good or as relevant as these hipster bands he listened to."
Apparently Taylor Swift's ex, whichever one she is talking about, is now constantly annoyed, since the singer's latest break-up song had the largest number of digital sales in one week of any song by a woman, according to Neilsen SoundScan. USA Today notes that Swift went on to say:
"So I made a song that I knew would absolutely drive him crazy when he heard it on the radio. Not only would it hopefully be played a lot, so that he'd have to hear it, but it's the opposite of the kind of music that he was trying to make me feel inferior to."
So, why would Taylor Swift want to make a break-up song specifically to annoy her ex? Because, according to her, "that's fun." Check out Taylor Swift's latest single, "We Are Never Ever Getting Back Together" below.


text:
When retailers think of operations they can turn green, improved efficiencies in air conditioning, lighting and fuel consumption immediately come to mind. Among the less obvious opportunities for eco-friendly processes are fleet management and reverse logistics.
Rising oil prices have turned attention to route-optimization of private fleets and a commitment to ship more products with fewer miles. The environmental benefits of transportation efficiencies have been largely viewed as secondary rather than primary objectives. However, the reduction of greenhouse-gas emissions and improving the efficiency of ground-freight transportation is a critical concern for the U. S. Environmental Protection Agency's (EPA) SmartWay Transport Partnership. A focal point of the SmartWay program is a reduction of unnecessary idling by truck and locomotive carriers.
Last month, Milwaukee, Wis.-based RedPrairie, which has announced a green initiative to provide solutions that support more environmentally sustainable supply chains, became the first supply chain technology provider to be accepted as an affiliate member of the EPA's SmartWay program.
RedPrairie's fleet-visibility solution provides real-time tracking of asset utilization and efficiencies, including a dashboard tool that records idling time and C02 emissions.
"Our fleet-visibility customers are typically able to reduce idling by 30%," noted Jim Hoefflin, executive VP and chief marketing officer of RedPrairie, adding that a number of state and local governments enforce laws restricting the amount of time a carrier's main engine can be left idling.
In cities such as Denver and Aspen, Colo., idling for more than 10 minutes or five minutes (respectively) within a given hour can result in up to a $1,000 fine or one-year imprisonment. In Sacramento, Calif., fines can go up to $25,000 per violation of that city's five-minute idle rule. (For a comprehensive listing of truck-idling regulations, refer to the American Transportation Research Institute at
Zero net waste: While idling engines can be blatantly noxious, empty trailers are also wasteful and present another opportunity for route optimization. Trucks returning after making deliveries to stores and distribution centers should be utilized to haul returns as well as waste materials that could be recycled.
Curtis Greve, executive VP of Pittsburgh-based Genco, told Chain Store Age the goal of retailers should be to have "zero net waste leaving stores."
"The philosophy used to be that it made more sense to throw away a low-margin item than to process it as a return—now, with the focus on sustainability, the cost of that decision is higher," Greve suggested.
In addition to returned products, the returns centers (RCs) that Genco manages for Sears recycle plastic wrap, garment wrap and used car batteries received from the stores. "The incremental cost of sending those items back through the supply chain is nothing compared to what it would cost to throw them away or dispose of them at each store," explained Greve.
At the 300,000-sq.-ft. RC in Columbus, Ohio, that Genco manages for Dell, all of the product is re-manufactured or recycled. The RC processes 40,000 to 45,000 product units a day including materials such as plastic, cardboard and foam. None of the returned product goes into a landfill.
"Our partners in the U.K. are recycling refrigerators and freezers," said Greve. "The RCs drain all the gases and liquids and then the appliances go into a big 'cyclone' machine that beats them into quarter-size pieces of metal, which through a series of magnifications and air blowers are sorted by metal type into little pellets and sold on the metals open market."
Within a couple of years, he expects Genco's domestic RCs to offer similar recycling services for appliances, which could translate into a valuable competitive advantage for retailers.