text:
Earlier this week an 8th Grade girl was declared brain dead after a tonsillectomy surgery to treat her sleep apnea (according to news reports). News outlets, parents, interested parties, and a growing general populace is now asking: "How can a girl be brain dead from a routine tonsillectomy?"
Well, it isn't really routine. The phrase "routine surgery" is overused. No surgery is routine for a patient – unless they get the same surgery, performed in the same manner, by the same surgeon daily or biweekly or perhaps even monthly. The surgeon may have routines that he/she follows; but for the patient going under anesthesia and having someone cut, remove, alter parts of the body – surgery is not routine. At best it is what the surgeon who performed my hysterectomy called it: "voluntary trauma".
So, this young lady endured voluntary trauma to address (what is being reported in the news) sleep apnea.
Many kids go through this procedure every year. When I was on the workgroup that authored the first Clinical Guidelines for Tonsillectomy in Children for the AAO-HNS, we reviewed an enormous amount of research. I discovered that tonsillectomy is the most common childhood surgery; and it is not always necessary.
After reviewing the evidence the workgroup discovered that if you took two groups of children – one group undergoing tonsillectomy. the other watchful waiting the results three years later was the same. So if you have the same result as NOT having surgery three years later, why have the surgery?
Well, each patient is different and their concerns and mitigating conditions are unique as well. Conversations and communication between parents and clinicians are required and need to be ongoing – especially post surgery.
The first time I googled the term "patient safety" in 2006 I found the story of a three year old boy who had died from hemorrhaging post tonsillectomy. He bled all over his mother's clothes. That was 20 years ago.
Google today and you will find these stories:
A five year old dies after a tonsillectomy, 2009
A 12 year old girl in Florida dies after a tonsillectomy , 2010
Two year olds in New Zealand in 2003:
Read through these articles to the comments and you will find multiple parents whose children died or were harmed after a tonsillectomy.
These tragedies are a part of the routine in surgery. Parents and clinicians can be best prepared for such scary, unwanted adverse events by communicating openly. Clinicians need not shield parents from what could happen.
For parents whose children are scheduled for a Tonsillectomy they can prepare by reading the Clinical Guidelines for Tonsillectomy in Children. It is designed to be read by clinicians, however it offers a baseline of information for parents/caregivers to ask informed questions. Click here: http://www.ncbi.nlm.nih.gov/pubmed/21493257 In addition parents can download The Empowered Patient app for iPhone or Android for a little extra guidance as their child's patient advocate. http://empoweredpatientcoalition.org/resources-and-links/decision-support-app
But nothing replaces the value of good provider/parent/patient communication. Talk openly.


text: Editor's note: As a special feature for April, TheStreet.com offers a 20-part series on virtually everything about real estate. This installment is Part 19.Bad mortgage loans aren't the only thing weighing on the housing market. In addition to the flurry of "for sale" signs sprouting up across the U.S. as homeowners try to unload property they can't afford, there is also a glut of condominium units under construction that could prove to be a drag on prices for years to come. But that could be good news for tenants, as many of these condo developments are being converted into rental units. The additional supply should temper the rapid rise in rents, particularly in places such as Southern California, Las Vegas, Washington, D.C., and much of Florida. For example, In Miami, considered the poster child for the condo craze in recent years, over 15,000 new units are expected to be completed in 2007, according to Torto Wheaton, a unit of CB Richard Ellis. That's more units than were sold in either 2005 or 2006, when the real estate market was much stronger. Torto Wheaton senior economist Gleb Nechayev says condo developers, faced with limited demand for the new units, have three options: They can abandon the projects altogether, postpone putting new units on the market or complete them as rental units. "In reality, we will have some combination of those factors," he says. For the past few years, the opposite was true: Speculative buying drove real estate prices up so high that many rental buildings were converted into condos. This diminished supply contributed to the rise in rents, particularly once employment picked up, putting more young people who had been living at home or bunking with friends in a position to set up housekeeping on their own.

subset: commoncrawl


text:
access your medical records
Home > Find a Location > Avera Sacred Heart Hospital > Sacred Heart Patients & Visitors > Online Bill Pay at Avera Sacred Heart
You can pay your hospital bill online using Mastercard, Discover or Visa, through a secure payment form.
If you have questions or need to speak with hospital billing, call a patient account representative at 605-668-8109 or 888-370-6525, from 7 a.m. to 5 p.m. Monday through Friday.
Avera has financial assistance if you meet certain requirements and are unable to pay your bill.
3900 W Avera Drive Sioux Falls, SD 57108
© 2017 Avera, Sioux Falls, SD. All Rights Reserved.


text:
Get to Your Data Anywhere and Anytime: Tools and Tips
The Best of Both Worlds
Online office suites offer you a one-stop shop where you can both store and manipulate your data. In contrast, various alternatives invite you to use a combination of online and offline resources to keep tighter control over your data and applications.
There are plenty of good reasons to use a hybrid approach. You may not be comfortable with the security risk of storing data online, or you may dislike the feature set, interface, or slow response times of some of the online app services. And since it just isn't possible to remain connected to the Internet all the time, you need to have options that don't depend on it.
Online Storage, Local Editing
One popular and easy way to take advantage of the Internet is to use it exclusively for raw data storage. When you store data online, it is always backed up automatically. And giving other users access to your files with these services is easy. You can send the files via e-mail, share folders with other users within the interface, or post the files to a public Web site that anyone working from a Web-connected computer can link to.
Unlike hosted application services, online storage services like Xdrive don't care what kinds of files you store on their sites, giving you more freedom to stash whatever you want there. Xdrive's Windows Explorer plug-in lets you access your online files from your desktop directly, without ever firing up a browser. The service provides 5GB of free storage, upgradable to 50GB for $10 a month. Microsoft is prepping its own service, Windows Live Folders, which should integrate seamlessly with Windows Vista; this service launched in late June in limited beta to a few thousand users; Microsoft says that it will soon extend the beta to more users.
For complicated scenarios--especially ones where you may need to share data with other users--consider three sites: Basecamp, WebOffice, and Central Desktop. All three sites provide advanced project-management and collaboration systems designed to give users control over large-scale projects, with features like checkout of hosted documents, to-do lists, calendars, internal chat systems, and discussion boards. Prices for these services depend on the number of users or projects, not on tiers of functionality. Prices can reach $700 a month for big operations (to get WebOffice's 100-user license). At the low end, Central Desktop's free basic service plan (25MB of storage for five users) delivers all the functionality of more expensive plans. A similar five-user plan in WebOffice costs $60 per month. Basecamp's pricing is based on the number of projects: Managing five active projects with the service costs $24 per month.


text:
An enjoyable if standard bio-docu that gives equal weight to Mercedes Sosa's voice, life and politics.
The full-bodied richness of Argentine singer Mercedes Sosa's voice is given equal weight to her life and politics in Rodrigo H. Vila's enjoyable if standard bio-docu. Developed with the assistance of her son Fabian Matus, who acts as guide and interviewer, the pic nicely straddles a line between Sosa's private and public personas, never quite delving deep although Vila covers all the bases, from her poor childhood through her fame, run-ins with the military junta, exile, triumphant return and widespread influence. A small Stateside release will satisfy fans and inspire the uninitiated.
Sosa's honorific, "the voice of Latin America," was an apt title for the singer given her roots in the continent's music as well as her championing of identity politics. Heavily influenced by Chilean folk singer Violeta Parra, Sosa performed a repertory typical of a musician coming of age in the 1960s, but expanded beyond folk roots to encompass sounds from all over South America, including Brazil (a duet with Milton Nascimento is one of the docu's archival footage highlights).
With Sosa, it wasn't merely that she sang of pride, freedom and an almost Bolivarian sense of identity; it was her instrument that made such an impact. Vila doesn't discuss her training beyond saying she was discovered at age 15 thanks to a radio contest, yet the beautiful sounds she produced from deep within her ample body carried the weight of an opera performer while remaining earthy — a voice not just of Latin America, but of the people.
Vila previously made a docu about Sosa's final recording in 2009, "Mercedes Sosa: Cantora, an Intimate Journey." Here, he covers the full spectrum of her life, weaving in a broad range of talking heads discussing her influence, personal triumphs and heartaches. Though from a Peronist family, Sosa turned away from the harsh policies of Isabel Peron (this part should have been filled out better), identifying more and more with left-wing politics and later becoming a thorn in the side of the military dictatorship until she was finally forced into exile in Paris in 1978.
Being booted out of Argentina likely increased her fanbase in Europe, and she developed an especially strong following in France and Germany. A return to Argentina in 1982, during the waning days of the dictatorship, boosted morale and, in the words of fellow musician Charly Garcia, "made us strong and defiant." Vila lets the chronology go a bit slack toward the end, and it's not clear how long Sosa's debilitating depression lasted, but her return was triumphant, and her death in 2009 still leaves her family and friends emotional.
Comparisons with Joan Baez speak to their common political roots, though Sosa's identification was with an entire continent's working-class and indigenous population as well as left-wing causes. Vila chooses good moments to excerpt from various interviews she made, and the overall picture is of an artist open to new musical forms and eager to use her considerable talents to induce change. Visuals are problem-free, and editing is smooth. A 52-minute version for TV has also been prepared.
Film Review: 'Mercedes Sosa: The Voice of Latin America'
Reviewed online, Rotterdam, Jan. 24, 2013. (In Intl. Documentary Film Festival Amsterdam; 2013 Rio de Janeiro Film Festival — Premiere Latina.) Running time: 93 MIN. Original title: "Mercedes Sosa, la voz de Latinoamerica"
(Argentina) A First Run Features (in U.S.) release of a Cinema 7 Films prod. (International sales: Autlook Filmsales, Vienna.) Executive producer, Dalila Zaritzky. Co-producer, Sabina Sigler.
Directed, written by Rodrigo H. Vila, based on an idea by Fabian Matus. Camera (color/B&W, HD), Mariano Cuneo, Hans Bonato, Ariel Gonzalez; editor, Luciano Origlio; music, Diego Vila; digital art director, Pablo Pager; sound (Dolby Digital 5.1), Cristiano Maciel, Diego Vila; associate producer, Guillermo Rossi; assistant director, Luciano Pozzi.
Fabian Matus, Pablo Milanes, Leon Gieco, Milton Nascimento, Isabel Parra, Chico Buarque, Rene Perez, David Byrne, Cacho Sosa, Chichi Sosa, Antonio Rodriguez, Jose Segovia, Luz Casenave, Elba Bustelo, Juan David Nasio, Flora Strozenberg, Jacqueline Pons, Victor Heredia, Teresa Parodi, Alfredo Troncoso, Fito Paez, Charly Garcia, Maria Minano Cerna, Julio Bocca. Narrator: Fabian Matus. (Spanish, Portuguese, English, French dialogue)


text: G-Dragon and T.O.P Coming Back to Korea [PHOTOS] Posted October 3, 2011 by vic *NOTE: That is Se7en with them. He must have gone to Japan with Big Bang for the final 2NE1 concert. Sources: As tagged, g-one.me l @choigosh87 + GDWORLD + @always-gd via @mystifize and @rnosel Tags: G-Dragon (지디) Photos T.O.P (탑) Se7en


text:
Recording of an M203 (or M320) under-barrel grenade launcher firing, no explosion, just the shot. Used in a flash game ...
A 3 pulse laser with a lower tune. I used Audacity to remove the backround noise, so it's a bit ...
This is a recording made inside the cathedral in Bordeaux, France. I used a Sony PCM M10 portable recorder with ...
Ding dong sound of a large doorbell. Slowed-down and faded version of TwoToneDoorbell by acclivity.
Knocking on a wooden table variations
A recording of a concrete footstep. Recorded with a stereo Zoom H1 Handy Recorder.
Taking a cartridge in and out of a Gameboy-Advance to emulate a handgun reload sound.
Clicking a whisk button to emulate a handgun reload sound.
A gun-reloading sound, probably a pistol.
A gun-reloading sound.
wing fluttering by a group of pigeons. recorded at Plaza de America, Seville / palomas aleteando
Short clip of a crow cawing in the morning with background ambiance.
A stereo field recording of two Carrion Crows calling. Rode NT4 in Rode Blimp > FEL battery pre-amp > Zoom ...
Crow cawing loudly whilst flying off. Field recording. Background noise filtered out for easy mixing with other sounds
The sound of a crow cawing.


text:
A Gentleman Makes CallsMay 28th, 2008
The gentle coo and hum of the gentleman's relaxed voice is a highly desired and pleasing sound, and thus is welcomed no matter what time of night the opportunity rings. With a busy schedule of business and leisure, often the only time a gentleman has available for personal calls is during the evening hours, somwhere between his last social drink and the sweet abyss of sleep.
Sportsman: might as well go the whole 9 yards
RunningMan: speaking of crazy
RunningMan: if i could describe myself in one word on saturday night
RunningMan: it would be
RunningMan: "throwed"
RunningMan: i suspected that i blacked out and when my brother called tonight asking why i called him at 4 am on sunday that was confirmed
Sportsman: hahahaha
RunningMan: checked my call list
RunningMan: also called james
Sportsman: HAHAHA
RunningMan: and tori
RunningMan: and jen
RunningMan: and arthur
RunningMan: and bill
RunningMan: i thought my drunk dialing days were over
Sportsman: jesus you went on a fucking rampage
Sportsman: you even called people who you were with!
Sportsman: that's above and beyond the drunk dialing call of duty
Sportsman: you should get the drunk dialing medal of honor
Sportsman: you were like the Prefontaine of drinking
RunningMan: yeah
RunningMan: and prefontaine is DEAD now
RunningMan: id like to avoid that
Sportsman: Dead but famous. Fair trade?
RunningMan: not for me
RunningMan: i got more blacking out to do
RunningMan: steve prefontaine btw
RunningMan: proud oregon duck
Sportsman: lol
Sportsman: you know I wonder if one of these days I'm gonna wander into your room, and I will stumble upon you giving the beak to one very amorous mallard
RunningMan: that mallard would be incredibly pleased
Sportsman: why, do you plan to dress yourself up like another mallard to complete the fantasy?
RunningMan: if im blacked out, not out of the question


text:
Having engaged alumni as both advocates and donors is highly prized by any academic institution. Georgetown College is fortunate to have identified a viable constituent group that will lead the charge for outreach to fellow Georgetonians to garner volunteer and financial support.
Members of the recently established Alumni Board met this past Saturday (December 8) to elect officers and approve governing rules. Guthrie Zaring '87 will serve as President with Melanie Ladd '94 as President-Elect.
The Alumni Board is currently researching the possibility of starting an official Alumni Association. Plans are to survey alumni in the next few weeks in an effort to determine just what Georgetonians might like in an Alumni Association and what benefits they would hope to realize. Watch your email!


text:
Two-time defending champion Japan hit a record-tying six home runs, scoring in all seven innings Sunday in Tokyo to rout the Netherlands 16-4 and reach the World Baseball Classic semifinals.
Japan built a 12-0 lead by the sixth inning, when the Netherlands closed on Wladimir Balentine's three-run double and Andruw Jones' RBI single.
Hayato Sakamoto's grand slam in the seventh that made it 16-4 and tied the team record of six homers, set by Cuba against South Africa in 2009. The game was called under the 10-run mercy rule when the Netherlands failed to close the gap in the bottom half.
"We've achieved our first goal of advancing to the final round," Japan manager Koji Yamamoto said. "The hitters swung the bats today, and getting some early runs was a huge boost for us."
Takashi Toritani homered leading off the game, the first home run for Japan in five games at 16-nation tournament.
Nobuhiro Matsuda widened the lead to 3-0 with a two-run homer in the second, and Seiichi Uchikawa made it 6-0 with a three-run drive that chased Rob Cordemans, who allowed six runs and five hits in 1 1-3 innings.
Atsunori Inaba hit a solo homer in the third against Tom Stuifbergen, and Yoshio Itoi had a three-run homer in the fourth. Sakamoto's slam came off Berry Van Driel.
Japan outhit the Dutch 17-6. The Netherlands plays Cuba on Tuesday, with the winners joining Japan in the semifinals at San Francisco on March 17 or 18,
Japan scored 17 runs in its first four games of the tournament and wasn't expected to rely on the long ball. Yamamoto's team has no players from the American major leagues.
Kenta Maeda allowed one hit in five innings, struck out nine and walked one.
"My fastball and offspeed pitches were working well today," Maeda said. "I knew it was a big game, so just tried to stay calm and pitch in my usual way. We're happy to be going to the United States."
Dominican Republic 4, Puerto Rico 2
Robinson Cano homered and the undefeated Dominican Republic beat Puerto Rico 4-2 on Sunday night to win their first-round group in the World Baseball Classic.
The New York Yankees slugger had three hits to help the Dominicans finish 3-0 in Group C. Next, they move on to the second round in Miami, where they will play Group D runner-up Italy on Tuesday.
"We want to get off on the right foot and win the first game," third baseman Hanley Ramirez said.
Puerto Rico took a 2-1 lead on Mike Aviles' two-run homer in the fourth inning, but Cano tied it with a solo shot in the fifth.
Alejandro De Aza doubled home the go-ahead run in the sixth and Nelson Cruz added an RBI groundout in the seventh. Fernando Rodney pitched a hitless ninth for his second save.
Puerto Rico finished second in the group with a 2-1 record and advanced to face the United States, which won Group D, on Tuesday night in Miami.
Venezuela 11, Spain 6
Venezuela broke out the bats too late.
Miguel Cabrera and Pablo Sandoval hit consecutive home runs Sunday in an 11-6 victory over Spain that came too late to matter at the World Baseball Classic.
Venezuela, which finished 1-2 in Group C, was eliminated from the competition Saturday night with a 6-3 loss to Puerto Rico. So the win over Spain (0-3) was of little consolation to the South American team that was loaded with major league All-Stars and had been considered a top contender.
"It is not a secret, things did not go well for us offensively," said Colorado Rockies slugger Carlos Gonzalez, who had two hits and scored twice. "That's why today we are packing."
Venezuela had more hits Sunday (16) than in its first two games combined. Cabrera went 3 for 5 with three RBIs and scored three runs. Omar Infante also had three hits and Elvis Andrus knocked in two runs.
Cabrera and Sandoval connected in the eighth inning.
Venezuela also lost its opener to the Dominican Republic, 9-3. The star-studded lineup finally got rolling Sunday, but it was too late.
Spain started strong, scoring three runs in the first inning, but Venezuela had seven hits and six runs in a big fourth inning that included a two-run single by Andrus. All the runs scored with two outs.
"We started well today, contrary to the other times. But we have to play throughout the game," Spain manager Mauro Mazzotti said. "The rules of baseball say that you have to avoid a big inning, and we had one with two outs, with six runs. That killed the chances for us."
Starting pitcher Ramon Ramirez got the win for Venezuela. He allowed three runs, four hits and struck out four in four innings.
Still, the Venezuelan team was understandably disappointed with its overall performance. The club did not make it past the first round for the first time in three editions of the WBC.
"We did not play well," Gonzalez said. "We did not seize the opportunities or create opportunities for ourselves."
The Dominican Republic and Puerto Rico played later Sunday to determine the winner of Group C. Both teams are headed to the next round in Miami.


text:
Click on a thumbnail to go to Google Books.
The Freedom Writers Diary Teacher's Guide
by Erin Gruwell
No current Talk conversations about this book.
The Freedom Writers Diary is a collection of journal entries from students who were influenced by their teacher named Erin Gruwell. In the beginning the students had no respect for her and these journal entries showed how each of them really felt. As the entries progress the student's attitudes change and they begin to have hope. This book shows just how much one person can impact many. These students wanted to learn and succeed all because one teacher took the time to care. I would recommend this book to all young adult readers. It is a great and inspiring book that can give people hope that may not have any.
The book entitled, "The Freedom Writers Diary," is a very inspiring book, that many people can relate to with their own personal experiences.
really good book
References to this work on external resources.
Wikipedia in English
Amazon.com Product Description (ISBN 076792696X, Paperback)Designed for educators by the teacher who nurtured and created the Freedom Writers, this standards-based teachers' guide includes innovative teaching techniques that will engage, empower, and enlighten.
In response to thousands of letters and e-mails from teachers across the country who learned about Erin Gruwell and her amazing students in The Freedom Writers Diary, Erin Gruwell and a team of teacher experts have written The Freedom Writers Diary Teacher's Guide, a book that will encourage teachers and students to expand the walls of their classrooms and think outside the box.
Here Gruwell goes in-depth and shares her unconventional but highly successful educational strategies and techniques (all 150 of her students who had been deemed "un-teachable" graduated from Wilson High School): from her very successful "toast for change" (an exercise in which Gruwell exhorted her students to leave the past behind and start fresh) to writing exercises that focus on the importance of journal writing, vocabulary, and more.
In an easy-to-use format with black-and-white illustrations, this teachers' guide will become the essential go-to manual for teachers who want to make a difference in their pupils' lives and create students who will make a difference.
(retrieved from Amazon Thu, 12 Mar 2015 18:20:22 -0400)
"Designed for educators by the teacher who nurtured and created the Freedom Writers, this standards-based teacher's guide includes innovative teaching techniques that will engage, empower, and enlighten"--Back cover.
Amazon Kindle (0 editions)
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Become a LibraryThing Author.


text:
Hello , I need to know how to add arabic language to my GT-S5570 2.3.6 ( official firmware) .
Thanks in advance
XDA Developers was founded by developers, for developers. It is now a valuable resource for people who want to make the most of their mobile devices, from customizing the look and feel to adding new functionality.
Are you a developer? | Terms of Service
Copyright © xda-developers. Hosted by Leaseweb


text: Hi, I've tried to put the 1.6 version on my HTC Magic. Information HTC Magic: SAPPHIRE PVT 32A ENG S-OFF H HBOOT-1.76.2007 (SAPP10000) CPLD-12 RADIO-126.96.36.199 When I was done it said: "install from sdcard complete". If I go to Android system recovery, it sais Build: RA-hero-v1.6.2 But if I want to start the magic. He keeps restarting. He doesn't get further then the blue screen of Proximus. I also can go to the fastboot. I hope my htc is not broken. Can somebody help me please. I would be very grateful. I'm sorry if there were already posts about this. But I couldn't find them. Grtz T.D.


text:
Unconfirmed reports said the shops belonged to supporters of the governing Hamas movement, which is locked in a power struggle with its rival Fatah.
About 30 people have been killed in violence between Palestinian groups in the past month.
Separately, Israeli forces say they detained 21 Palestinians in raids across the West Bank.
Those seized were said to be members of a number of groups, including Fatah, Hamas and Islamic Jihad.
No details were given about why they had been detained. Palestinian reports said several of those held were children.
Also in Ramallah, gunmen opened fire on the car of the former Palestinian finance minister, Salam Fayyad.
Details are unclear, but unconfirmed reports say Mr Fayyad, an independent member of parliament, was not in the car at the time.
In the northern West Bank town of Nablus, deputy mayor Mahdi Hamdali was released, two days after he was kidnapped by unknown gunmen, security sources said.
Correspondents says the kidnapping of such a senior Hamas figure as Mr Hamdali raised fears that the violence could soon spin out of control.
Most Popular Now | 56,514 people are reading stories on the site right now.";


text:
In 2012, foreclosure activity increased by 57 percent from a year earlier in the 212 metro markets tracked by RealtyTrac, indicating that some cities are unblocking the pipeline of distressed properties and opening up deals to buyers and investors. Tampa, Fla., led the markets with a whopping 80-percent hike in foreclosure activity in 2012.
Of the 212 markets with a population of 200,000 or more, 120 saw an increase in foreclosures. Foreclosure activity rose in eight of the 20 largest cities: After Tampa, the markets with the highest increases were Miami (36 percent), Baltimore (34 percent), Chicago (30 percent) and New York (28 percent).
Foreclosure activity decreased in 12 of the 20 largest metro areas: Phoenix was down 37 percent, followed by San Francisco (30 percent), Detroit (26 percent) and Los Angeles and San Diego, both down 24 percent.
Daren Blomquist, vice president at RealtyTrac, attributed the increase in activity to markets finally taking steps to move distressed properties onto the market. It's a good time for investors and potential homebuyers to look for deals, Blomquist says: "The underlying fundamentals in many of those markets are slowly improving, making it an opportune time to absorb additional foreclosure inventory this year -- and that is particularly good news for buyers and investors hungry for more inventory to purchase in those markets."
Best places to buy foreclosures
Based on the percentage of foreclosure sales; supply of distressed inventory; foreclosure discounts and the increase in foreclosure activity in 2012, RealtyTrac analyzed which metro areas with a population of 500,000 or more were the best places to buy this year.
Six Florida metro areas were in the top 20, including Palm Bay-Melbourne-Titusville on the east coast of the state, which made the No. 1 spot on the complete list of the best places to buy foreclosures. The other Florida metro markets were Lakeland, Tampa, Jacksonville, Orlando and Miami.
New York fared well on the list of best places to buy, with five cities in the top 20: Rochester, Albany, New York, Poughkeepsie and Syracuse. Other cities include Chicago; El Paso, Texas; Philadelphia; Allentown, Pa.; Youngstown, Ohio; Bridgeport, Conn.; Cleveland; New Haven, Conn., and Indianapolis.
The worst place to buy foreclosed property is McAllen, Texas. The western part of the country dominated the list of the worst cities to find a deal on a foreclosure, including Ogden, Utah; Las Vegas; Salt Lake City; Phoenix; Portland, Ore.; San Jose, Calif., and Honolulu.
Keep up with your wealth and mortgages and follow me on Twitter @JudyMartel.
Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.


text:
Ok, my lifestyle-support-system (borrowed expression, credit Fastricky/Rick) is Internet stuff for mobile phones. Software.
Ok, my lifestyle-support-system (borrowed expression, credit Fastricky/Rick) is Internet stuff for mobile phones. Software.
Motorcycle Adventures
The only Zen you find on the tops of mountains is the Zen you bring up there - Robert M. Pirsig
I've been a visual effects artist for the last 11 years or so. It's what you do with a music degree.
Worked at Foundation Imaging on a bunch of kids shows (points if you remember Roughnecks: The Starship Troopers Chronicles and Max Steel) and the first season of Star Trek Enterprise. Went to Rhythm & Hues for a couple commercials, then to Digital Domain for a few more. I probably spent the most time at Zoic Studios, doing visual effects for Firefly, Battlestar Galactica, and Serenity to start with, Talladega Nights to end with, and a buncha stuff in between.
Now I'm a partner in my own gig, Studio Orb, flying satellites around for NASA/JPL. We're trying to expand out to all of aerospace/defense.
Every normal man must be tempted at times to spit on his hands, hoist the black flag, and begin slitting throats.
I was a lifer in the Marines driving LAV-25's when I found out that I had Insulin-Dependent Diabetes, the Corps put me in a reserves with the 4 Tank Batallion in SD, I did construction and landscaping to make ends meet. Then I moved to beautiful Santa Barbara following a girl, got a job with the County. I am a very fortunate and I have learned not to take anything for granted. Heck my midlife crisis cost only a few thousand, a co-workers Harley cost $18,000, I got away easy.
Licensed Massage Therapist specializing in Active Release Technique and Egoscue Method. I focus on joint range of motion issues and posture reeducation. I currently have a practice in San Jose, Ca and the name of my business is Vertical Empowerment (add the .com if you want to see more). I work with the San Jose Bicycle Club, Santa Clara Dive Club. I am also involved with one of the bay area professional teams.
I have worn many hats over the years but this one fits best.
If you don't like the way that I ride, get out of my rearview mirror!
Prior to being declared disabled this year, was Technical Writer slash Documentation Specialist slash Web Administrator.
We designed and manufactured alarm and control equipment for (primarily) the phone companies. I was the one that wrote the multi-hundred page technical manuals that went with the systems. I also did a lot of traveling as an instructor teaching classes that were anywhere from three days to two weeks. I also did field installations, turn-ups, and repairs.
Office manager for a litigation consulting firm by day, part-time choreographer of musicals by night... oh, and full-time mom (no pay but the best damn job I've every had! )
So to speak...
Dangerous Curves
CNC Programmer/Machinist Supervisor for a hydraulic control valve manufacturing company.
Also owned a Boat Propeller repair shop in San Jose called "The Prop Shop". Also worked in Welding and fabrication for many years.
Oh, what do I do to ride? I kiss Cyndis' ass! J/K.
Don Hopkirk
Postmaster.....Husband......Dad..... Grandpa (look at my profile pic)
And no, I don't know where that big fat check from Ed McMahon is you've been waiting for
A man with a brief case can steal more money than a man with a gun Don Henley
I'm a professional sign holder for housing tracts on the weekends and during the week pass out shopping carts at the local Wal Mart.
Happy Trails.
Spacecraft Subsystems Designer.
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text:
By Tom Steward | Watchdog Minnesota Bureau
After months of delays, Minnesota got a go-ahead from an administrative law judge to go with the flow of Bakken oil from North Dakota.
The proposed 610-mile Sandpiper pipeline would connect the Bakken oil shale fields in western North Dakota to refineries in Clearbrook, Minn., and Superior, Wis. Environmental opponents have vowed to fight the project down to the wire.
The fate of the $2.6 billion Enbridge pipeline—Minnesota's Keystone XL—still hinges on a decisive June 3 hearing before the state Public Utilities Commission. Calgary-based Enbridge already supplies about 80 percent of the oil refined in Minnesota, Wisconsin and Chicago.
"We can't speculate on how the Public Utilities Commission hearing will go, nor what the outcome will be," Lorraine Little, senior manager of public affairs with Enbridge Energy, said in an emailed statement. "We only know that the judge provided a strong recommendation to grant the Sandpiper certificate of need. This recommendation is significant and will enable the Minnesota regulatory process to move forward in a timely manner."
The proposed pipeline would pump another $25 million in property taxes and 1,500 or more jobs for pipefitters, engineers, laborers and truckers into a northern Minnesota economy in need of a boost. A coalition of unions supports the project in an unusual alliance with the Minnesota Chamber of Commerce, along with widespread support from local legislators and county commissioners.
"These are high salary union jobs with access to pensions to health care all of that. This means a tremendous amount to our members," Julia Donnelly, political director at the International Union of Operating Engineers Local 49, said. "The pains of the recession are still really fresh to a lot of folks in the construction industry," said
The company's proposed route crosses a sparsely populated area with woods, wetlands and lakes. Opponents question Enbridge's environmental record, urging the PUC to reconsider requests for further study of the potential impact of an oil spill. They also moved to expand the permitting process to include another pipeline Enbridge wants to install alongside Sandpiper in place of an older line.
"We've just suggested that there should be a safer place to put it across the state, environmentally," said Richard Smith, president of Friends of the Headwaters. "The state would still retain whatever property tax dollars come from the company from the pipeline itself, plus there'd still be construction jobs."
Proponents say moving crude oil through pipelines is safer than by trains pouring out of North Dakota.
"A lot of our members not only work construction but they also live near rail lines where we have a significant volume of oil moving that is less safe and sound than it could be in a pipeline," said Kevin Pranis, marketing manager for the Laborers District Council of Minnesota and North Dakota.
Leading up to the June hearing before PUC regulators in St. Paul, Administrative Law Judge Eric Lipman criticized the regulatory procedure for being "a lot harder than it ought to be."
Lipman's 106 page ruling advised the PUC to exclude "rising global temperatures, changing precipitation patterns, climbing sea levels…global instability, hunger, poverty, and conflict" from consideration in future proceedings.
"The addition of those larger items to the hearing agenda has a significant impact. It adds genuine complexity and expense to a contested case—and the burdens of coping with that complexity and expense falls upon energy companies, government agencies and ordinary citizens alike."
If state regulators approve a certificate of need for Sandpiper, the proposed pipeline faces yet another round of public meetings to determine the best route.
Environmental groups will hold a Twin Cities rally on June 6 to protest Sandpiper and the other Enbridge pipeline, which would transport crude from the Canadian oil sands.
"Everybody wants to come up here and have a pristine vacation place to come to. They want to keep everything mowed and trash picked up," said Frank Bibeau, attorney for environmental group Honor the Earth. "But they want that backyard to be ignored when they have other interests, is how we see it."


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Another offspring of Meryl Streep is headed to our small screens.
Grace Gummer, sister of Mamie Gummer (Emily Owens MD), will play a reporter in the second season of The Newsroom.
Gummer will play Hallie Shea, an embedded reporter covering the Mitt Romney campaign.
She has previously starred on Nickelodeon's Gigantic and a guest role in an episode of Smash last s


text:
Restart Client without Reboot
This Article Covers
Domino Resources - Part 5
Download: IT certifications that stand out
Are you looking to advance your career? Expand your knowledge? Boost your credibility? Our editors put together this complimentary 19-page guide on everything you need to know about obtaining an IT certification—with special attention given to cloud and desktop certifications.
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Occasionally the Notes client will crash for an unknown reason, especially when launching Netscape from a URL within a Notes mail message. When you attempt to restart Notes, you get the following error message: "Unable to open desktop file...shut down the operating system before you launch Notes again." which implies that you must reboot your system. There is, however, a way to avoid this time-consuming process. Pressing


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"In fiscal 2013, we continue to anticipate a number of challenges," Massimino said. "These include the loss of federal funding for students who lack a high school diploma or GED, or 'Ability-to-Benefit' (ATB) students. To help offset the loss of ATB students, we plan to introduce several new diploma programs across our ground schools and offer GED preparation programs to the general public at most of our U.S. campuses. As previously reported, we expect these programs to begin to have a positive impact on our financial results in the second half of fiscal 2013. In addition, we expect continued enrollment increases at our new campuses and solid enrollment growth in our online learning programs throughout the fiscal year."Comparing the fourth quarter of fiscal 2012 with the same quarter of the prior year:
- Net revenue was $394.8 million versus $408.2 million, a decrease of 3.3%.
- Total student population at June 30, 2012 was 91,460 versus 90,507 at June 30, 2011, an increase of 1.1%.
- Total new students were 25,839 versus 23,835, an increase of 8.4%.
- Operating income was $16.4 million, or 4.2% of revenue, which includes a $1.0 million impairment, facility closing and severance charge, compared with operating income of $11.3 million, or 2.8% of revenue, which includes $11.7 million in impairment and severance charges.
- Net loss was ($6.5) million, which includes a $0.6 million impairment, facility closing and severance charge, and a loss from discontinued operations of $14.8 million, compared with net income of $3.4 million, which includes a $7.0 million impairment and severance charge, and a loss from discontinued operations of $3.6 million.
- Diluted earnings per share from continuing operations was $0.10 in Q4 12, compared with $0.08 in Q4 11. Excluding the impairment, facility closing and severance charges and the related tax effect, diluted earnings per share from continuing operations were $0.10 in Q4 12 and $0.17 in Q4 11.


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Living La Vita Yoga
Combining yoga, Energy Medicine and acupressure holding points for relief.
by Noelle Cormier, E-RYT200
About the Book
This book combines yoga asana, energy medicine, acupressure holding points and breathing techniques to relieve you from the symptoms of PMS such as bloating, cramping and back pain. Step by step guide walks you through each exercise and a handy routine is provided at the back of the book. The routine presented can be used anytime and is a great routine for overall back pain not associated with PMS.
About the Creator
I took my first yoga class in 1998 and was immediately hooked! Since then, I have obtained an Experienced Registered Yoga Instructor designation, I run an approved Yoga Teacher Training program and I am a certified Touch for Health practitioner. I opened Studio 2 for Yoga and Wellness where my philosophy is to teach others not that I have the answers, but that they have their own.
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text:
Calling All Barbie Look-Alikes!
Do you look like Barbie? Have you been graced with her odd proportions and doll-like looks? Or maybe you have a lingering obsession from childhood that has yet to go away?
Well, Dubai Fashion Week wants you. While the blond bombshell took over New York Fashion Week in February, she's making her way across the globe, and the next stop is the UAE. 7Days, a newspaper from the United Arab Emirates, is even holding a contest, calling for any real-life Barbie dolls. Simply email them with a description of your Barbie-ness and the winning entry will not only receive tickets to the Barbie fashion show but a feature in the newspaper. Maybe the woman who went through 100 plastic surgeries to look like Barbie should enter.


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A girl looks at a passing devotee as she returns home from school during the Pancha Dan festival in Lalitpur, Nepal, on Wednesday. The festival is celebrated by the Buddhist communities, who give five gifts, of wheat grains, rice grains, salt, money and fruit, to monks. Collections of religious artifacts are also displayed in monasteries and households.
© The Financial Times Ltd 2016 FT and 'Financial Times' are trademarks of The Financial Times Ltd.


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Elle Varner Celebrates 'mark.girl' 10 Year Birthday Cover [Photos]
Elle Varner brought her bright smile and booming voice to New York City's Trump Soho to celebrate the mark.girl's 10th birthday. The "Refill" singer, who covers the beauty magazine's September issue posed it up with Pretty Little Liars star Lucy Hale before performing for the exclusive crowd.
Our former cover girl looked fabulous in a black and pink dress with matching peep toe shoes.
Click through for more photos of a beaming Elle and check out her "style evolution" here.
Photo Credit: Facebook/mark.girl


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This forum allows you to ask questions about mobile apps for iOS games or share your knowledge and experience with other users to help them overcome their difficulties.
- Developer: Tobi Apps Limited
- Version: 1.3
- Release Date: Sep 13, 2013
Game Questions
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Stuck on 100 Floors World Tour? Ask question and let others help you.


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RL-3, like all Mister Gutsy robots, will sometimes say "Kill 'em all and let God sort 'em out" and "Kill 'em all, God will understand". Since it's not unique to RL-3, and since there's already 5 quotes listed, it shouldn't be re-added to the article. Kris mailbox 03:09, August 16, 2010 (UTC)
Full Scaling Stats Edit
What are his stats if Broken Steel is installed for proper scaling? Does his health improve, and do all skills make it to 100? Mictlantecuhtli 02:42, August 18, 2010 (UTC)
Strange Graphical ErrorEdit
Soon after acquiring RL-3 at a low level, I found a raider-occupied cave. After clearing it out and leaving, I soon realized that Dogmeat, with whom had also been traveling, had vanished. I reloaded a previous save, thinking that he may have died somehow, and saw that he was nowhere to be found. However, whenever I look in RL-3's direction, the screen becomes a mess of gray and green shapes, consistent with RL-3's colouration, with RL-3 himself floating in the midst of it. I reloaded again and the same thing happened. After waiting for twelve hours, Dogmeat came back but RL-3 is still experiencing the graphical error, and I will most likely have to reload an even earlier save-game. Has anyone else seen this before? I play on the PS3, GotY Version. RolandVH 05:56, December 4, 2010 (UTC) EDIT: restarting the console appears to have fixed the problem. RolandVH 05:42, December 7, 2010 (UTC)
Change to companion infoEdit
At the top it says "and can be a companion in 2277" Shouldnt this be changed to "and is a possible companion in fallout 3"?
Aimless BotEdit
If tinker joe is killed before you get to him (as in my case), RL3 will just aimlessly wander the countryside killing whatever hostile he spots. Player will not be able to interact with him other than getting a short one liner. Mechacode 08:57, June 7, 2011 (UTC)
Being Pedantic.. Edit
At several points on this page Sergeant RL-3 is referred to as having a gender, and is a 'he'. However, robots surely don't have genders.. --StarfishCostume 17:33, August 12, 2011 (UTC)
- He's programmed with a masculine personality, so he uses the masculine pronoun. Tagaziel (call!) 09:22, August 12, 2011 (UTC)
- Still doesn't reaaaally make him a male, alas, I will accept this reasoning. --StarfishCostume 17:33, August 12, 2011 (UTC)
- It completely makes him masculine - he has a "gender" in the anthropological sense. However, you are right that he has no "sex" in the biological sense. Gender ¬≡ Sex. Plus plasma pistols and flamethrowers are clearly euphemisms. 126.96.36.199 21:58, August 16, 2011 (UTC)
- [Sociology] That's correct. Sex is based on physical attributes. Gender is a social construct. Dude101 22:06, August 16, 2011 (UTC)
- It completely makes him masculine - he has a "gender" in the anthropological sense. However, you are right that he has no "sex" in the biological sense. Gender ¬≡ Sex. Plus plasma pistols and flamethrowers are clearly euphemisms. 126.96.36.199 21:58, August 16, 2011 (UTC)
- Still doesn't reaaaally make him a male, alas, I will accept this reasoning. --StarfishCostume 17:33, August 12, 2011 (UTC)
Turns out, you *can* get Sergeant RL-3 killed Edit
Went to clear out Fort Bannister (Talon Company Stronghold) after the BoS water caravan got jacked. Jensen got himself killed even after I freed him. I went into HQ and cleaned out the place one corridor at a time. Turns out, Sergeant RL-3 *can* die if enough firepower overwhelmed him. I got surrounded by Talon guys and even with 3 BoS knights around me and I'm fully decked out level 26 with some heavy firepower I still got worn down to half health.
The status still says "severely damaged", though I did get the companion "Sergeant RL-3 has been destroyed!" pop-up before. There's no option to repair, and I can only loot its corpse like anything else.
Wonder if there's a replacement, and why isn't this listed under Mister Gutsy variants?
Also, the Talon guys have a "Corporal Reaver", also a Mister Gutsy.
Kschang (talk) 22:17, October 4, 2012 (UTC)
HELP Question about the Sarge leaving me! Edit
Will I lose Sergeant RL-3 if my karma changes AFTER I buy him? So lets say I steal a bunch of stuff or save a fluffy kitten from a wood chipper, would moving into positive or negative from neutral cause him to disparty? ~a nooblet 220.127.116.11 21:51, January 26, 2013 (UTC)
No, but when you fire him, you won't be able to recruit him until your Karma is back to Neutral. Energy X 21:55, January 26, 2013 (UTC)
Thanks for the info and especially the super quick reply! ~the same nooblet 184.108.40.206 22:02, January 26, 2013 (UTC)
Quick Question Edit
Why does it say on the page he only appears in Fallout 3, when above his picture that e appears in both 3 AND New Vegas184.108.40.206 17:28, April 10, 2013 (UTC)
- I found why. While it is not in the game, it, along with many other characters and items from 3, are in Fallout: New Vegas's files, just unused. Somebody found this and decided to add that it's in New Vegas, which is incorrect. Paladin117>>iff bored; 17:32, April 10, 2013 (UTC)
Cant re-hire after The American Dream (xbox) Edit
I had RL-3 with me and loaded up with gear during the "Findig the Garden of Eden" quest. He disapeared when the enclave captured me. I figured he would spawn outside near fawkes when I left the compound but to my surprise he did not. I read this article and discovered that I could find him at Canterbury Commons if he ever gets dismissed, so I traveled there and I did indeed find him but I cant talk to him. He just says "Another glorious day in this mans army" every time I try to talk to him. Also his name just says "Mister Gutsy" now (even though his paint job and voice is still the unique RL-3 variant, and if I kill him he doesnt have any of the gear I left him with. I read in the bugs section that if this happens I can just reload the most recent save and I will be able to talk to him again but this does not appear to be true, nothing changes. I even tried closing the game and clearing my xbox cache and reloading, but still nothing. I dont have any saves from before I lost him so I basically just permanently lost my follower and all of the gear he was carrying. Tjwoosta (talk) 23:48, November 28, 2013 (UTC)
- Nevermind, Im dumb, The Mister Gutsy I was talking to was one that apparently respawned from the AntAgonist vs Mechanist battle. I eventually found the real RL-3 over by the tree where the merchants stop. I never realized before that the Mechanist's Gutsy has the same paint and voice as RL-3. Tjwoosta (talk) 00:13, November 29, 2013 (UTC)


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The Challenges of Basel III for Romanian Banking System
Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the impact of Basel III upon banking system in Romania is considered to be limited. The measures which credit institutions could take to mitigate the impact of alignment with the new standards are business model adjustment and balance sheet restructuring.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Volume (Year): XVIII(2011) (2011)
Issue (Month): 12(565) (December)
Pages: 59-70
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Phone: +40 21 3 12 22 48
Fax: +40 21 3 12 97 17
Web page: http://www.asociatiaeconomistilor.ro/
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text:
Hey there, time traveller!
This article was published 6/5/2014 (1197 days ago), so information in it may no longer be current.
Hydro customers will see their bills climb by 2.75 per cent retroactive to May 1.
The Public Utilities Board approved the interim rate increase Tuesday. The hike is less than the 3.95 per cent boost Manitoba Hydro had been seeking.
In its decision, the PUB approved a two per cent increase to cover inflationary costs.
It approved another 0.75 per cent increase to help with the funding of the Bipole III transmission line.
The PUB said it based its decision on reduced Hydro revenues from export sales, higher Hydro operating costs with respect to the Wuskwatim generating station and higher corporate operating costs, among other reasons.
Hydro has announced plans to seek rate increases of 3.95 per cent annually until 2021 to carry out a series of system improvements. Also factored in are the costs of building the Bipole III transmission line and the proposed Keeyask generating station.
Scott Powell, a Manitoba Hydro spokesman, said the corporation is pleased the PUB recognized the need for small, ongoing regular rate increases to fund infrastructure improvements and new facilities. However, the corporation is disappointed at having to make do with less than it had hoped in the coming year. Powell said the concern is getting a lower increase now will "put pressure on future rates."
"We've always appreciated the importance of rate stability to our customers," he said, noting neighbouring jurisdictions have seen rate hikes of six per cent and nine per cent.
The PUB said Hydro's application for a 3.95 per cent rate hike was consistent with its preferred development plan that involves construction of both the Keeyask and Conawapa generating stations. The PUB is still studying that plan in what is known as a Needs For and Alternatives To (NFAT) review process.
"The issues and decisions that result from the NFAT review will have impacts on the rates set in future general rate applications," the PUB said in a news release.
Manitoba Hydro's next general rate increase application is expected this fall.
The Consumers' Association of Canada had opposed Manitoba Hydro's requested rate hike. It felt the corporation could meet its financial targets without any increase. It said any increase the PUB granted should be limited to the rate of inflation.


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Dirty talk doesn't have to be degrading.
One Vagina Forever: A Recently-Engaged Guy's Perspective on Finding "The One"
If you're looking to get laid, go out and get laid. This article isn't for you.
Cycles + Sex: A New Form of Sexual Education in an Era of Uncertainty
Cycles + Sex is an event taking a holistic approach to sexual education.
Lingerie and the Single Girl
Amber Hodge of Scarlett's Letter opens up about the beauty of being single and wearing lingerie for yourself.


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Giveaway Alert! Win a Pair of Accessory Artists Earrings- As Worn By Gisele!
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text:
- uncurl
- Date: 1588 intransitive verb to become straightened out from a curled or coiled position transitive verb to straighten the curls of ; unroll
New Collegiate Dictionary. 2001.
New Collegiate Dictionary. 2001.
Uncurl — Un*curl , v. t. [1st pref. un + curl.] To loose from curls, or ringlets; to straighten out, as anything curled or curly. [1913 Webster] He sheaths his paw, uncurls his angry mane. Dryden. [1913 Webster] … The Collaborative International Dictionary of English
Uncurl — Un*curl , v. i. To become uncurled, or straight. [1913 Webster] … The Collaborative International Dictionary of English
uncurl — [un kʉrl′] vt. to straighten (something curled) … English World dictionary
uncurl — UK [ʌnˈkɜː(r)l] / US [ʌnˈkɜrl] verb [intransitive/transitive] Word forms uncurl : present tense I/you/we/they uncurl he/she/it uncurls present participle uncurling past tense uncurled past participle uncurled if something uncurls, or if you… … English dictionary
uncurl — verb Uncurl is used with these nouns as the object: ↑fist … Collocations dictionary
uncurl — un|curl [ ʌn kɜrl ] verb intransitive or transitive if something uncurls, or if you uncurl it, it becomes straight after it has been curled or bent: Uncurling himself (=making his body straight), Ken stood up … Usage of the words and phrases in modern English
uncurl — /un kerrl /, v.t., v.i. to straighten or become straightened out from a curl or curled position. [1580 90; UN 2 + CURL] * * * … Universalium
uncurl — verb To straighten out from being curled up … Wiktionary
uncurl — un|curl [ʌnˈkə:l US ˈkə:rl] v [I and T] to stretch out straight from a curled position, or to make something do this … Dictionary of contemporary English
uncurl — v. straighten out (especially something that was curled), unroll … English contemporary dictionary


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Credit card companies often play a significant role in people's debt problems. If MasterCard has its way, however, it is going to be a significantly positive role. In order to achieve this role, they must not only overcome popular perceptions but also the 32 percent of Americans who feel they are doing the âbest possible jobâ when it comes to managing debt.
Fortunately, 30 percent of respondents indicate having more information about debt management would help them reduce debt faster and more efficiently. Even better, the survey, which was conducted by MasterCard International, indicates that 16 percent of respondents have sought professional advice at some point to help them pay off debt.
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To help those seeking more information, MasterCard has launched a consumer education campaign called Debt Know How that empowers and educates consumers using free, easy to understand tools including:
- Free, easy-to-use information, tips and resources available from www.debtknowhow.com.
- A curriculum, developed in partnership with the University of Minnesota, for educators and personal finance coaches including teaching guide, class outline, worksheets and other tools for teaching a 1 to 2 hour class on debt management.
- Training sessions for educators and personal finance coaches using the Debt Know How curriculum will be offered throughout the country taught by an Accredited Financial Counselor and educator from the University of Minnesota.
Among the tools emphasized in the Debt Know How are the Smart Steps to Get Out of Debt. Some of the steps are familiar. For example 27 percent of Americans report they have used a credit card to track their spending. Tracking Spending is one of the Smart Steps. Other steps are:
- Assess Debt More than just determining the total amount of debt, this also includes comparing debt with income and projected necessary spending.
- Goal SettingSetting goals and prioritizing debt helps make debt seem less overwhelming.
- Exceeding Minimums Understanding how paying more than the minimum can be critical first step in reaching goals and reducing debt.
- Understanding Interest and Late FeesKnowing what the late fees are on all accumulated debt and learning how to avoid them.
One of the most useful tools on the Debt Know How web site is the Debt Warning Signs quiz, which helps individuals catch small money management problems before they become crises. There is also advice on helping family and friends who are working to try to get out of debt.
Too often, credit card companies are only seen as part of the problem. Hopefully, through efforts like this, at least one can be part of the solution.


text: Let's talk about sex, baby — one last time. Sue Johanson, the sweetest little grandma with the dirtiest big mouth, hosts the well-loved question and answer program Talk Sex With Sue Johanson on Oxygen. After six seasons, which aired in five languages and in 20 countries, the show is getting a happy ending with this Sunday's episode — a sex toy special. But it sounds like a case of premature ejaculation to us! Although Sue will still answer your burning questions via the Oxygen website, we will certainly miss our weekly date with the septuagenerian sexpert. [TV Guide]


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Twisted Broadway
Home › Forums › General Australian Theatre Discussion › Twisted Broadway
This topic contains 7 replies, has 2 voices, and was last updated by kels_thelegend 4 years ago.
July 23, 2013 at 8:52 pm #72311
Such a great show last night. My first time at Twisted broadway and I loved it! Hilarious and sweet and showcased so much talent. My fav numbers were:
– Glaston Toft & Anthony Harkin's Broadway medley
– Naughty (from Matilda) by the Mary Poppins & Chitty Chitty boys (I teared up- such a great song and they were so good and THEY ARE THE FUTURE!)
– Taylor the latte boy by John O'Hara
– Forget about the boy by Nathan Pinnell and dancers- GREAT number! Love him.
– Bend & Snap (Ashley Mackenzie and others)
– Hey Big Spender (Dean Vince and others)
– Matthew Robinson's 'Sally's List' from his musical Happy People (when can we see that in Melb??)
I'm trying to compile a set list but am having some trouble. Everyone is listed in the program but the numbers aren't and I'm not overly familiar with a lot of the performers. Can anyone help fill the blanks for me of the following:
1. Teagan Wouters sang______ (something with the words "marry me")
2. Drew Weston, Ed Grey & Luigi Lucente sang a medley of Someone to watch over me, Can't help lovin dat man, and ______? The song that Ed Grey did the bulk of
3. Who were the Matilda boys besides Jack Lyall, Beau Woodridge & Kurtis Papadinis? There were 2 others
4. Jemma Rix & Sophie Carter sang _______? Something that mentioned Tolstoy?
5. Who did Bend & Snap? There were 6 guys. I THINK 4 of them were Ashley Mackenzie, Ed Deganos, Ray Balisoro & Tod Strike…
6. Who did Big Spender? There were quite a few guys in this one…
7. Who sang Somewhere that's green?
Thanks 🙂July 24, 2013 at 10:22 am #72323
It was my first Twisted Broadway too! Fantastic evening. I'd love to see that set list when you're done. I'll try to fill in whatever gaps I can.
1. Marry Me from The Rink (I remembered a snippet of the lyrics and that's what came from my Google search!)
2. ???
3. I think one was Xavier Porter.
4. You're Nothing Without Me from City of Angels
5. ???
6. The male cast of King Kong. Definitely Dean Vince, Ross Hannaford, Andrew Cook and Scott McConnell. Charles Bartley, Damien Bermingham, Sam Hooper, Travis Khan, Sam Marks, Glenn Oliver, Chris Ostrenski and Joshua Robson are all the King Kong boys listed (however Charlie had no idea what we were talking about when we asked if he'd been there the night before at KK last night, so I can't guarantee that they were all there!).
7. Zoy Frangos (who isn't listed in the program)July 24, 2013 at 11:15 am #72371
I swear I did not see Charles Bartley at any point during the show!
Thanks for your help Stephie!July 24, 2013 at 5:36 pm #72421
Ok Xavier Porter is right and the other boy was Anthony Wright
I also forgot another: who did Live in Living Colour? I think they were all from King Kong? Who was the main vocal?July 24, 2013 at 7:00 pm #72423
Ok so I think Bend and Snap was: Ashley Mckenzie, Ed Deganos, Ray Balisoro, Tod Strike, Matt Holly, Tobias Madden, and Sage Douglas
And Live in living colour: Loren Hunter, Samantha Hagen, Melanie Hawkins, Leah Lim, Romina Villafranca, Hayley Martin and i THINK Danni Hegarty
Hey Big Spender – arghhhh! There's 13 KK males listed in program but there were only 10 of them – I don't think Damien Bermingham or Charles Bartley were in it…July 25, 2013 at 9:34 am #72455
For the lead vocal in Live in Living Colour, I can guarantee it was NOT Sam Hagen, Melanie Hawkins, Leah Lim or Romina Villafranca. I'm guessing from looking at their KK headshots that it was Loren Hunter, but I'm not 100% sure. Amy Berrisford is also in the program, but there was definitely 7 girls on stage.
13 KK boys? I can only see 12 (although Joshua Robson is listed twice). As I said, Charles Bartley had no clue what Twisted Broadway was, so we can either conclude that he had way too much to drink at Curve Bar after the show or that he was not there. As you can't recall seeing him, I think we'll go the latter. I also agree that Damien Bermingham was definitely not in it.
The pictures are here if that helps you to ID them: http://www.dancephotography.net.au/twisted_broadway.htmJuly 25, 2013 at 9:23 pm #72505
Think it was Loren Hunter- she was tagged in the photo album on Facebook.
What was the song Ed Grey did?? Ahhh can't even remember the lyricsJuly 28, 2013 at 11:15 pm #72663
Ok so set list (still don't know that song Ed Grey did though)
1. Roxie (Chicago) – Trevor Ashley
2. Marry me (The Rink) – Teagan Wouters
3. An old-fashioned wedding (Annie get your gun)- Brenton Wilson & Liam McIlwain
4. Get me to the church on time (My Fair Lady) – Angela Scundi
5. Naughty (Matilda) – Jack Lyall, Beau Woodridge, Kurtis Papadinis, Anthony Wright & Xavier Porter
6. Taylor the latte boy (Kristin Chenoweth) – John O'Hara
7. You're nothing without me (City of Angels) – Jemma Rix & Sophie Carter
8. Somewhere that's green (Little shop of horrors) – Zoy Frangos
9. Man of La Mancha (I, Don Quixote) (Man of La Mancha) – Lisa Marie Parker (dancers: Max Trengove & Romina Villafranca)
10. I'm just a girl who can't say no (Oklahoma) – Alan Fletcher
11. Use what you've got (The Life) – Erika Heynatz
12. Forget about the boy (Thoroughly Modern Millie) – Nathan Pinnell (not sure about dancers – I think most were VCA students but there was also Liam McIlwain I think and some others)
13. Hey Big Spender (Sweet Charity) – Dean Vince, Ross Hannaford, Sam Marks, Scott McConnell, Sam Hooper, Travis Khan, Glen Oliver, Chris Ostrenski, Joshua Robson, Maxwell Trengove, Andrew Cook (I think one of them wasn't in it but not sure who)
14. Sally's List (Happy People) – Matthew Robinson
15. Someone to Watch Over me/ Can't help lovin' dat man/ _____? (Crazy for you/ Showboat/ ___?) – Drew Weston, Luigi Lucente & Ed Grey)
16. Live in living colour (Catch me if you can) – Loren Hunter, Samm Hagen, Melanie Hawkins, Leah Lim, Hayley Martin, Romina Villafranca, & Danni Hegarty/ Amy Berrisford (not sure which of these 2 it was)
17. Broadway Medley – Glaston Toft & Anthony Harkin
18. As long as he needs me (Oliver) – Martin Croft
19. One song glory (Rent) – Danielle Matthews
20. Bend and Snap (Legally blonde) – Tod Strike, Ashley Mackenzie, Ed Deganos, Ray Balisoro, Matt Holly, Tobias Madden, & Sage Douglas
21. Beauty school dropout (Grease) – Susan Ann Walker
22. Get out and stay out (9 to 5) – Bert Labonte
23. Man in the mirror (Michael Jackson) – Graham Foote, Rebecca Moore, Amelia Christo & Twisted Broadway cast
Btw did they say that Nathan Pinnell also choreographed his number?
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Rising tensions in the Middle East continues to dominate UK newspaper headlines.
The front page of the Independent describes Israel and Lebanon as "divided by war, united by fear."
The Guardian's front page picture is the image of an injured Lebanese woman crying, her face bloodied and coated in dust.
The paper warns that Israel is considering a major ground invasion of Lebanon.
The Daily Mail concludes that "Israel has killed not only scores of its people but Lebanon's future too".
Political future
Meanwhile, the Daily Telegraph reports that residents of Israeli city Haifa can hardly believe that they now stand on the front-line of the conflict.
The Prime Minister's political future is also covered by the papers.
William Rees-Mogg, writing in the Times, says Labour cannot recover with Tony Blair at the helm.
The Daily Mirror leads on reports that a builder was paid £10 a time to put down thousands of retired racing greyhounds.
Menezes shooting
Meanwhile, the Daily Express claims Dr Andrew Wakefield, who questioned the safety of the MMR vaccine, will not face misconduct charges.
The Independent criticises Scotland Yard over the Jean Charles de Menezes shooting on London's Tube.
It says the Met failed to quickly apologise or offer compensation.
The Telegraph has the story of two Irishmen who, following a drinking session in North Wales, missed their last ferry back home.
Their solution, it is alleged, was to steal a fishing boat and try to make their own way home.
It reports on PC David Inglis, retiring from the force after 30 years in the Highlands of Scotland.
He tells the newspaper that he made an average of ten arrests every year.
Most Popular Now | 56,514 people are reading stories on the site right now.";


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It's the time of the year we have all been waiting patiently on. The all black low Yeezy, that has been causing so much commotion since Kanye West's fashion show, will release this Saturday at West NYC. Due to the overwhelming amount of requests for the shoes, we have decided to raffle the pairs we have to make it fair for everyone. The "Pirate Black" adidas 350 boost will be released in mens sizes 4-13. The raffle will be constructed Wednesday August 19th at 6pm at West NYC (147 West 72nd St NY, NY 10023). Winners will be notified on Friday.
By: Sincere


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- Tax Exempt Securities - Interest expenses attributable to the purchase of tax exempt securities like municipal bonds will not qualify for the investment interest deduction.
- Passive Activity Investments - Interest expenses related to a passive activity such as rental real estate are not considered investment interest, and they are covered by their own set of rules and regulations.
By: John Pitlosh Understanding the investment interest deduction can pay big dividends. The purpose of this article is to get individuals up to speed on how the investment interest deduction works, and how it can benefit their own situation. Whether someone is looking to manage the tax consequences of a stock sale or they want to leverage their investment dollars, people borrow money to invest all the time. Even though investors use borrowed money to invest, most do not realize they can deduct the interest from these loans and even fewer understand how to comply with the deduction rules. Investment Interest The starting point for the investment interest deduction is knowing that the source of the money isnt as critical as the purpose for the borrowed money. For example, if an investor take's a margin loan from their investment portfolio to buy his girlfriend a car with the proceeds, the interest from this loan won't qualify as investment interest. However, if the investor borrows money from his credit card to buy Google stock, then the interest on his credit card bill due to the purchase of the Google stock would be deductible as investment interest. Taking a loan to buy a stock and deducting the interest is pretty straight forward, but there are some types of borrowed investment purchases that will generate interest that won't qualify under the investment interest deduction rules due to specific exemptions outlined in the code and regulations.


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Atoll is a World Heritage Site and Marine Reserve. Glovers
Atoll Island Lodge is located on our privately owned 9 acre;
5 hectare Northeast Cay in the Glovers Marine Reserve, white
sand, coral, & coconut trees, left in their natural state
on top of the pristine reef.
GLOVER'S ATOLL was named after pirate brothers,
John and Rodger Glover, in the1750's. Before pirates the Mayans
sailed here, pieces of Mayan pottery have been found on the
islands and beaches. In 1996 the Atoll was designated as Marine Reserve.
percent is zoned as a no take zone patrolled by Rangers from
the Belize Fisheries Dept. The Rangers are stationed on Middle
Caye, a research center owned by Wildlife Conservation Society.
In 2000 Glover's Atoll was designated a WORLD HERTIAGE SITE
under the UNESCO World Heritage Convention. This not only
is an honor for Belizeans but it also makes us aware of how
important our magnificent atoll really is.
Glover's Atoll Resort you can enjoy excellent diving, snorkeling
and swimming right from beach. Glover's Atoll is Belize's
most remote atoll. It is 90 square miles (145 km), 700
patch reefs in the lagoon and is surrounded by 50 miles (80.5km)
of sheer drop-offs, which start from 25 feet and drop straight
down to 2,700
feet (900 m), 45 miles (72.45 km) from the mainland. Reef
crests, islands, flats offer great catch and
release spin or fly-fishing.
offer complete privacy and solitude and what we really give
you is access to an amazingly beautiful unspoiled group of
islands and reefs, a place to sleep, cook (or order seafood
meals in our restaurant) and a truly unique experience in
traditional Belizean living and the adventure of a lifetime.
browse through our website to learn more about our accomodations
and the variety of activities that you can enjoy while you
are our guest at Glover's Atoll Resort.
Atoll Resort
Northeast Cay
P.O. Box 2215, Belize City,
Belize, Central America.
E-mail: firstname.lastname@example.com
Phone: 011-501-532-2916
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Record-Courier staff report
The Kent State women's basketball team was unable to carry over the momentum from Sunday's two-point win at Ohio University into Thursday night's home matchup with Western Michigan.
The Broncos broke away from a 24-22 halftime edge to defeat KSU 58-40 at the M.A.C. Center in Kent.
The Flashes (3-19, 1-8) were led by Trisha Krewson with nine points.
The Broncos (7-15, 3-6) were led by A.J. Johnson with 19 points. Miracle Woods had 16 points and 13 rebounds, while Marquisha Harris added 11 points and 11 rebounds.


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Hey there, time traveller!
This article was published 28/9/2013 (1421 days ago), so information in it may no longer be current.
It was a decision Jon McPhail spent a fair amount of time on.
But at the end of the day, the owner of Jonnies Sticky Buns knew if he was going to continue to expand his practices of buying local, organic ingredients for his delicious baked goods, seeking out fair-trade options was the next move to make. The 31-year-old, who's been running his sticky-buns joint since December 2010, already had fair-trade coffee and tea available for his customers, but lately his attention has been on the menu.
His newest addition: fair-trade chocolate.
"It's been something that has really been at the back of my mind, even before I opened," he said Saturday afternoon, during a "carrotmob" event at his Portage Avenue bakery. "Where can I push further with fair trade? Once I started to look at it closer, I saw some opportunities to try a few things."
"It's something that because the production is so far away, it doesn't feel as immediate to our surroundings," he continued. "That was an element to this that I wasn't so quick to pick up on; you're not dealing directly with the farmer or the person who is producing the product.
"Sometimes you can get lost just by the brand. It's important to know that your purchase could have repercussions halfway around the world."
This is the basic premise of fair trade. Why just consider your purchases at the grocery store as only impacting you and your immediate family? Why not look beyond the label, and even beyond the price point, and consider how the worker who helped produce said product is being treated?
Ian Hudson, an associate professor in the economics department at the University of Manitoba, is the co-author of Fair Trade, Sustainability and Social Change, a book that examines the evolution and potential of fair trade as a global production movement.
"Every time you're buying something, you're buying the way it's produced, as well as the product itself," Hudson said. "Fair trade just makes sure that what you buy is produced in a more ethical manner: the people who make it are paid a higher wage, there's no child labour involved, the environment is treated better.
"If you're going to buy something, you're always faced with a choice. You might as well make the right one."
Like its organic brothers and sisters, fair-trade products are still battling the stigma of that inflated price point. Janice Hamilton, the executive director of the Manitoba Council for International Cooperation, indicates fair-trade products often have an extra premium attached to the price, a subsidy that goes back to the producers. That money is often fed back into business improvements (equipment) or even into the community, for things such as a health centre or a school.
Hamilton said while the cost of fair-trade products is slightly more than a similar product made by workers in less ethical conditions, the bump is negligible. This is one of the stereotypes fair-trade types are trying to change.
"If you look at coffee, people are willing to pay for really good, fair-trade premium coffee beans and won't even think twice about it anymore," she said. "The stuff in the big cans is cheaper, but it's not as good. That's the trade-off more are wiling to make."
Hamilton adds fair-trade products are readily available in supermarkets, drugstores and even gas stations, so it's not as if people have to go out of their way. All it takes is just a moment or two to read the label.
"We have done polling in the past in Manitoba and we found people are willing to pay more for a product if they know people are being paid fairly and not subjected to additional stresses in the workplace," she added.
Besides chocolate, McPhail is planning to add some fair-trade sugar options to his list of ingredients. Calling the switch to more expensive baking staples "an experiment," he says the trick is to make it work with what the customers are willing to pay. For a small business that relies on the basic principle of making only enough that you will sell, McPhail says it's worth the risk.
"That will be the challenge going forward," he said. "It's just feels right."


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Daniella Alonso (Friday Night Lights, My Generation) has joined J.J. Abrams/Eric Kripke's upcoming NBC series Revolution as a regular. The action drama, which landed NBC's marquee post-The Voice time slot, follows a group of people, led by Miles (Billy Burke) struggling to survive in a world where all forms of energy have ceased to exist. Alonso, repped by Gersh and Luber Roklin, will play a new character, Nora, a rebel fighter, battling against the militia that controls North America. She likes to blow up stuff, and she has a lot of rough water under the bridge with Miles. The introduction of the character of Nora is one of the tweaks Revolution is undergoing before its launch. They also include the reworking and recasting of the role of Rachel, played in the pilot by Andrea Roth, and phasing out another regular character played in the pilot by Anna Lise Phillips.
J.J. Abrams/Eric Kripke Series 'Revolution' Casts Daniella Alonso As New Regular
3 Comments
She is a horrible actress, dating back to her days on One Tree Hill. I don't know how she keeps getting hired.
i dont know what you're saying. she's great. looking forward to this.
forget her acting, she's hot(god typical male chad, like I'm totally sure)


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Citrus and Brown Sugar Turkey
I have had a few friends ask me for my turkey directions this year, so I figured I would share them with you! The brine from this recipe and the turkey cooking directions are from Alton Brown on The Food Network, the rub is mine own. It is not an exact recipe, use your own judgement. The first time that I read the temperatures of Mr. Brown's recipe, I thought he must be crazy, but honeslty, it produced a BEATIFUL dark brown color on the the breast of the bird and the first time, and every time after, my turkey looked like it came out of a magazine! (and the rub and brine kept it from tasting like one!)
Citrus & Brown Sugar Turkey
For the Brine:
2 cup kosher salt
1 cup light brown sugar
2 gallon vegetable stock
3 tablespoon black peppercorns
4 teaspoons allspice berries
3 teaspoons chopped candied ginger
2 gallon heavily iced water
For the Herb Butter (double for 22-26 lb bird)
Butter (about 1 lb)
Garlic, Minced (2-3 cloves)
Brown Sugar (I use 1.5 cups dark brown)
Orange Zest and Juice (I use about 3 oranges to zest and juice from 1)
Fresh Sage Leaves, chopped, about ½ to ¾ cup
Fresh Rosemary, chopped, just a little bit (1-2 tbsp)
Jessica's Turkey Directions
Combine the vegetable stock, salt, brown sugar, peppercorns, allspice berries, and candied ginger in a large stockpot over medium-high heat. Stir occasionally to dissolve solids and bring to a boil. Then remove the brine from the heat, cool to room temperature, and refrigerate.
Early in the day or the night before you'd like to eat:
Combine the brine, water and ice in the 5-gallon bucket. Place the thawed turkey (with innards removed) breast side down in brine. If necessary, weigh down the bird to ensure it is fully immersed, cover, and refrigerate or set in cool area for 8 to 16 hours, turning the bird once half way through brining.
Preheat the oven to 500 degrees F. Remove the bird from brine and rinse inside and out with cold water. Discard the brine.
Place the bird on roasting rack inside a roasting pan and pat dry with paper towels.
Place a thick layer of the herbed butter in between the skin and the meat of the bird. Get into as many sections as you can, including the drumsticks. Pour a combination of apple juice and white wine in the bottom of the pan.
Roast the turkey on lowest level of the oven at 500 degrees F for 30 minutes. Remove from oven and cover only the breast portion of the bird with a foil triangle. Insert a probe thermometer into thickest part of the bird (behind the thigh) and reduce the oven temperature to 350 degrees F. Place the turkey back in the oven and set the thermometer alarm (if available) to 161 degrees F. A 14 to 16 pound bird should require a total of 2 to 2 1/2 hours of roasting. Let the turkey rest, loosely covered with foil or a large mixing bowl for 15 minutes before carving.


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International Comparison of Household Savings Behaviour: The German Savings Puzzle
This mea discussion paper presents excerpts of the International Savings Comparison Project covering household savings behaviour in seven countries. The whole series of comparative country studies can be found in a special issue of the journal "Research in Economics†, Volume 55, Number 2, June 2001. The introduction gives an outline of the research program of the project. A project as complex as the International Savings Comparison Project has sparked discussions and controversy. Tullio Jappelli, who has accompanied the International Savings Comparison Project since its inception, has accepted the invitation to write a critical discussion of the project's work so far. His discussion and a brief rejoinder by Axel Börsch-Supan compose the second and third part of this discussion paper. The last part of this paper presents the results of this project for Germany.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
|Date of creation:
|17 Jan 2002
|Contact details of provider:
| Postal: Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy, Amalienstraße 33, 80799 München, Germany
Phone: +49/89/38602.442
Fax: +49/89/38602.490
Web page: http://www.mea.mpisoc.mpg.de/
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Borsch-Supan, Axel, 1992. "Saving and Consumption Patterns of the Elderly: The German Case," Journal of Population Economics, Springer;European Society for Population Economics, vol. 5(4), pages 289-303.
- Deaton, Angus, 1985. "Panel data from time series of cross-sections," Journal of Econometrics, Elsevier, vol. 30(1-2), pages 109-126.
- Börsch-Supan, Axel & Eymann, Angelika, 2000. "Household portfolios in Germany," Papers 00-15, Sonderforschungsbreich 504.
- Guiso, Luigi & Jappelli, Tullio, 2000.
"Household Portfolios in Italy,"
CEPR Discussion Papers
2549, C.E.P.R. Discussion Papers.
- Luigi Guiso & Tullio Jappelli, 2000. "Household Portfolios in Italy," CSEF Working Papers 43, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
- Borsch-Supan, Axel & Schnabel, Reinhold, 1998. "Social Security and Declining Labor-Force Participation in Germany," American Economic Review, American Economic Association, vol. 88(2), pages 173-178, May.
- Cigno, Alessandro & Rosati, Furio C., 1996. "Jointly determined saving and fertility behaviour: Theory, and estimates for Germany, Italy, UK and USA," European Economic Review, Elsevier, vol. 40(8), pages 1561-1589, November.
- Börsch-Supan, Axel & Eymann, Angelika, 0000. "Household Portfolios in Germany," Sonderforschungsbereich 504 Publications 00-15, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
- Anette Reil-Held, 1999. "Bequests and Aggregate Wealth Accumulation in Germany," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 24(1), pages 50-63, January.
- Karen E. Dynan, 2000. "Habit Formation in Consumer Preferences: Evidence from Panel Data," American Economic Review, American Economic Association, vol. 90(3), pages 391-406, June.
- Börsch-Supan, Axel & Eymann, Angelika, 2000. "Household Portfolios in Germany," Discussion Papers 603, Institut fuer Volkswirtschaftslehre und Statistik, Abteilung fuer Volkswirtschaftslehre. Full references (including those not matched with items on IDEAS)
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Another FDA Warning and More Challenges for Johnson & Johnson
When you are responsible for a blog, you try to be objective and even-handed. You do not necessarily want to 'pile-on' not so flattering commentary regarding any one specific company. Thus, Supply Chain Matters has always had these perspectives in our published commentaries. But alas, certain company seems to continue go out of the way in accumulating not so flattering headlines, and unfortunately, thus continues the saga of Johnson & Johnson these past months.
On May 22, J&J was the recipient of yet another warning letter from the U.S. Food and Drug Administration (FDA) related to plant inspection and unresolved findings concerning its Skillman, New Jersey facility. The products cited involve multiple OTC offerings used by women and come under K-Y, Reach, Stayfree and OB branding names.
We learned about this development from a commentary penned by Dr. Ronald Riker on the OTC Product News web site. Dr. Riker has not held back on not so flattering comments related to J&J. He notes the significance of this latest finding in that it comes in the shadows of the long-standing consent decree between J&J and the FDA. The finding involves a plant other than the previous McNeill OTC facilities located in Pennsylvania and Puerto Rico. What is also noted as different is that the products cited are not regulated as drugs, but as medical devices.
Supply Chain Matters also reviewed the subject FDA warning letter and noted similarities to previous findings related to certain breakdowns in J&J quality monitoring processes. Among various findings in the latest letter are:
- Failure to establish and maintain adequate complaint files and procedures for receiving, reviewing, and evaluating product complaints.
- Failure to promptly review, evaluate and adequately investigate complaints reported to the FDA
- Failure to document results of design reviews
- Failure to establish and maintain adequate procedures for implementing corrective and preventive actions to ensure that such action is effective and does not adversely affect the finished device.
The letter indicates a specific K-Y branded product has been misbranded and significant changes were made without submission of proper product submission documentation
In a further but separate development, today's Wall Street Journal reports (paid subscription or free metered view) that J&J's Ethicon business unit is stopping sales of surgical insert versions of its branded Gynecare mesh products marketed to relieve pelvic discomfort in women. The WSJ notes that the decision comes after numerous reports of injury and several deaths, and that the J&J meshes are subject to hundreds of product-liability lawsuits according to a recent company securities filing. J&J has asked the FDA to allow the company to keep selling these products under abdomen surgical insertion procedures, and in the article, a J&J spokesperson is quoted as indicating that this is not a product recall but rather a discontinuation in light of changing market dynamics. J&J will be stopping sales over the next 3-6 months with the goal of completing the process by 2013.
Despite all the assurances of a new CEO and multiple executive re-alignments, J&J continues to exhibit findings and incidents of lax quality monitoring and regulatory process conformance. Evidence of a concentrated focus and cross-functional accountability for addressing clear evidence of systemic quality issues and troubled processes is not apparent from the lens of consumers and patients. As a result, the company's previous stellar reputation for quality continues to erode at a rapid rate. This is not a condition that any healthcare or medical device products producer wants to be involved in, especially one ranked #22 in Gartner's latest Top 25 Supply Chain ranking.
Bob Ferrari


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Following rumor suggesting couple Bradley Cooper and Renee Zellweger will move in a new house they bought together, the actor's rep blasts the report, saying he is the sole owner.
A representative for Bradley Cooper has confirmed the actor has splashed out on a multi-million dollar home - but dismissed reports he will be sharing the property with girlfriend Renee Zellweger. The couple, who have been dating since 2009, was rumored to be moving in together after purchasing a $5 million house in Pacific Palisades, California.
But a spokesperson for Cooper insists the pair did not buy the property together, confirming to GossipCop.com that "The Hangover" star is the sole owner of the luxurious three-bedroom home. Zellweger sold her Los Angeles home in 2004 and moved to New York City.
Bradley Cooper and Renee Zellweger were first reported buying a new house together in late December 2009. At that time, a source told Star magazine, "Bradley and Renee were proud to be sharing their new house with his parents. They looked happy together and very much in love." The insider continued to add, "They have already lots of plans for the renovations. They're both homebodies, and they can't wait to have a place to entertain friends and just be together."


text:
- Latest
- Popular
- Blogs
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- Our Blog
… with no paid distribution plan. So before production begins on your next "viral" video, make sure your budget includes paid promotion for the video content. Any video content worth producing is worth paying to promote. Are there Cinderella stories like Dollar Shave Club? Yes. But even Dollar Shave Club CEO Mike Dubin in an interview…


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Bar Refaeli gets cozy with Kellan Lutz of 'Twilight'
Today in Bar Refaeli news, Page Six reports the Israeli model was spotted with "Twilight" star Kellan Lutz at a Super Bowl party Friday night. "They were cozying up in the VIP area at her table. He had his own table, but he sat with Bar. They looked pretty close," a witness said, in what… More ▸


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|Kreyn Sleet
Kreyn Sleet is a traveling mercenary from the harsh western plains.
Kreyn Sleet was traveling through Kraynath for someone to hire him as a fighter. He finds the village of Rezma before the Fargon attack, and is about to leave when the first Fargon Birds attack the village. He joins the Kataz free of charge, and help greatly in the war. During the war he befriends Kataar Zor and the two of them work tirelessly together to drive the Fargon Birds from the land.


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'Anchorman' Ron Burgundy To Release Memoir
The man behind the legend (and mustache) is getting a book deal.
Ron Burgundy, the central character from the Anchorman film series, has reportedly signed a contract with Random House's Crown Archetype to pen a memoir about the life and times of the face of the Channel 4 News Team. (Think How I Met… More »


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The Silver Amulet, of which there are several, are from which The Masters derive their power.[1]
The amulets tie the destinies of those who wear them together, however the amulets only grant great power to their wearer if that wearer is a wizard. The amulet bearers are known as Masters and may not slay any other who wears such an amulet, although they may fight.
See AlsoEdit
- ↑ Scorpion Swamp - ???


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Sally Hansen Cornsilk Quick Color Powder
- 1 reviews See the Breakdown
- Product Info | Add Your Review
Sally Hansen Cornsilk Quick Color Powder Reviews
Not what I was expectingI was hoping for a little more blended color, and it looks caked on when I wear it. It is too dry for my face.The colors don't blend very well. You don't really get a variety of colors. It all ends up being just a dark brown in the end. It might be good for a bronzer...but you can't use it the way the directions say, unless you just use it for eyeshadow. But I do like the individual colors.I will probably just use it for eye shadow. — 9 years, 3 months agoNika81 | 1 reviews
This review is: Helpful | Not helpful | Inappropriate | 3 of 3 people said helpful
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