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Ask the Experts: Does Over-50 Credit Card Debt Spell Doom for Retirement?
In this edition of our "Ask the Experts" series, we examine the causes and implications of rising credit card debt among Americans approaching retirement age with some of the foremost experts in the fields of economics, sociology, retirement planning, management, and law.
Credit card debt is on the rise among Americans age 50 and older, according to a joint study from the AARP's Public Policy Institute and the research organization Demos, sparking concern about the financial well-being of a significant population segment as it approaches retirement age.
The study, titled "In the Red: Older Americans and Credit Card Debt," found that the average person age 50+ carried a credit card balance of roughly $8,278 in 2012, compared to $6,258 among younger folks. Not only is such a large disparity an aberration from the 2008 version of the study, which revealed relatively consistent debt levels across age groups, but it also speaks to broader societal and economic issues that have evolved in earnest since the Great Recession. This is especially apparent when you consider the types of expenditures that are fostering these prodigious debt figures.
- Half of Americans 50+ are paying for medical expenses on credit, averaging a balance of $893 in this expense category alone.
- 49% and 38% are leveraging credit card debt to make house and car repairs, respectively.
- 34% are leveraging credit to pay living expenses, such as food and rent.
- Around 25% report that job loss has contributed to their credit card debt, while 23% say they've used money to help family members who are having financial problems.
Many people might be inclined to simply chalk these statistics up to the economic hardships of the past few years and assume that things will level out as the economic recovery progresses. After all, once people over the age of 50 pay off their plastic, they'll still have retirement savings accounts, 401(k)s, and home equity to fall back on, right?
Not necessarily. The study also revealed that 16% of people age 50+ used equity from their homes to pay down credit card debt last year, while 18% dipped into their retirement accounts. In other words, the final credit card debt numbers might actually be worse, rather than better, than they initially seem.
In order to get a better sense of what's caused this curious landscape as well as its broader economic impact, we turned to a few experts in fields ranging from retirement planning to economic policy. You can check out each expert's insights by clicking their respective name below, or simply jump to the Takeaways section in which we boil things down into a few concise conclusions and offer tips for retirees-to-be eager to get out from under the burden of credit card debt.
Meet Our Experts
Hell yes, we should be worried about it. These are people who are approaching retirement, which is a very financially risky time of their lives, particularly if they're on a 401(k) rather than a pension which seems to be the way our society has moved in the last generation. They're very vulnerable. … It's very, very difficult for an older person to get a job. I think what we're seeing in the increase in the average amount of credit card debt is nothing more than a reflection of these people are financially struggling and have not been able to find jobs. They have probably been on the job market for 18 months to 2 years and can't find anything because at 50 they're considered used up. I'm 51, and I'm like, 'I don't feel used up; I'm just hitting my stride.' Employers don't want to hire them. …
Our economy is in the tank. We can say, 'well, there's been a 0.2% decline in unemployment, that's great!' Where have the jobs come from, what kinds of jobs are out there? They tend to be service jobs that pay very poorly, and they are not going to people 50 and over. That's the age group that's having a really hard time rebounding in this economy, and they're trying to make up the difference with their credit cards. … Can you imagine going into retirement with that? At some point you have to retire, but there are a lot of people who are my age and 10 years older who are saying, 'I will never retire; I will work until I die.' Like what the hell? What has happened? What has happened in our economy? … My hunch is that they're spending a greater period of time in unemployment, the jobs they're finding are inadequate – the income is inadequate, and they just can't make it. And they're turning to credit cards. Americans have always relied on credit. I mean, this is nothing new. It's just that we've never relied on it to this degree before. If you go back a generation, maybe two, people were owning their homes and out of debt by the time they were 55 or 60 years old. That ideology has changed, unfortunately, and it leaves them very, very vulnerable.
So, they're just at the mercy of the economy?
Yes. A lot of us had emergency funds. It was called our 401(k) and we've been putting our retirement into it for the last 30 years. Two years ago that thing hit the tank, and we had people who lost half of their retirement. They had a safety fund. That had it, and Wall Street walked away with it. But they had it. They played by the rules. They put in their monthly investments. It's gone. They had that safety net that was supposed to get them until the day they died and they got ripped off. So, yeah, ideally they should pay that credit card off but, hell, they know that. I mean, they know that better than you and I do. They're the ones who are drowning in it, who are freaked out because they can't make that minimum monthly payment. They're calling the credit card company and saying, 'please work with me,' whatever that's supposed to mean – 'please don't raise my interest rate.' But they know the answers better than you and I do because they're living it, and if they could fix it they would.
It's not surprising since they would have much more access to credit. They probably have much higher incomes than people who are younger, and they would have had longer job histories and no doubt other assets as well. So, the credit card companies would feel more confident extending credit to them and multiple cards would be available. As to whether this poses a real threat to older people's retirement, that relates a little more to what they're spending the money on. If it's a matter of cash flow or they're using it to rack up airline miles in order to take a trip, that's one thing. If they're rolling over the debt month to month, however, that is a more serious concern and may reflect the fact that some have lost their jobs or have had income cutbacks and are using credit cards to pay for groceries and basically finance day-to-day expenses. There's no doubt that if they're saving for retirement, the very best investment they could make – one that would return as much as perhaps 18% a year – would be to get rid of any credit card debt. … That should be sort of mission No. 1: Pay down the credit card debt so that you're not paying these ridiculously high interest rates.
Secondly, their home mortgage is another issue. That is, are they still paying their home mortgage, has that been paid off, are they using their credit cards simply because it's more convenient than a home equity line of credit which would be cheaper but is more of a hassle to get started? If their home is already mortgaged to the hilt, that presents a whole different issue and the data about average balances just doesn't tell us what any specific older person is going to be indebted with.
A further conflating variable is when you compare the credit card debt of households of different ages, one reason why the younger persons' household's [debt] may be much smaller is they're of course dealing with their student loan debt. Hopefully, people in their 50s either don't have any student loan debt anymore or graduated in a time when they didn't need to take on so much student loan debt, but the point is, what really matters is total indebtedness: student loans home mortgages, car loans and credit cards as a percentage of income and assets. If they are high on their credit card debt but have paid much of their mortgage down and don't have any student loan debt, I would be less worried about that than if they were basically trying to tap any recourse, including one with as high a maintenance cost as credit cards. It's almost impossible to come up with a scenario where that's a smart strategic move.
What are the implications of people not getting a handle on their credit card debt as they enter, say, their 60s?
At a minimum, of course, they have much less savings to live on, and they may not be able to retire on schedule or they may be having to rethink retirement entirely. Another version is they're going to take Social Security as soon as they can [and] it will not be enough. It was never intended to be [a] self-sufficient retirement plan; it was only supposed to be one of three components – the others being employer-provided pensions and savings. What this is suggesting is that that savings component is either wiped out or substantially diminished because of the credit card debt. And so it may mean that they're going to be taking Social Security while continuing to work. A point that a lot of people don't realize is that you can go ahead and take Social Security at age 62 and for the current generation that means that you'll be getting about 25% less than you otherwise would have. But there's something else that sounds more technical, something called a 'retirement earnings test,' which means that if people are taking Social Security and still working – perhaps to pay down their credit card loans or at least to make the minimum payments – they may think that they are double-dipping but there is a retirement earnings test that applies until they reach full retirement age that is a pretty severe tax in effect, that says that if you make more than a little over $14,000, those additional earnings are going to reduce your Social Security benefits by about 50 cents for each dollar. So they're getting a double whammy: they're getting smaller benefits because they're taking them early, and if this credit card debt indicates that they're going to continue working at anything other than just a sort of minimal amount, they're going to have even those reduced benefits reduced further because of their 'excess earnings.' And, as I said, it doesn't take a whole lot to have excess earnings.
To what extent do people know about the penalties for taking Social Security early before they decide to do so?
There is, I think, some level of understanding that if you take benefits early you're not going to be getting the full amount. So that if you would have otherwise been eligible to receive, say, $1,000 a month when you reach full retirement age, a lot of people understand that if you take benefits at age 62, you're not going to get $1,000, you're going to get about $750 on these numbers . But two things they typically don't understand is that that reduced amount is not just until they reach age 66. They may think, 'I'll take $750 now and survive on that for four years until I reach full retirement age.' No, it doesn't work that way. You take the early retirement benefit, you get hit with the 25% reduction and that is a permanent reduction. So, even in four years when you become 66, 67 and so forth, it doesn't 'go back up.' I don't think that a lot of people realize that by taking benefits early they are basically short-changing themselves forever. A further point that a lot of men in particular don't understand is … that when they pass away, their surviving spouse in many cases is going to be succeeding to the Social Security benefit they got. And so by going early, they not only reduce the benefit they receive, but they're also going to reduce the Social Security benefit that their surviving spouse receives for the rest of her life. Then, in terms of this retirement earnings test, I think that is something they really don't know about and won't even see right away.
It could well be that you're observing that a set of people have a certain lifestyle and certain bills to pay and if their income goes down or they lose a job, they try to retain that for as long as they can. Perhaps the easiest way to get credit would be through running up credit card debt. So, one could certainly have a rationale for that that would make some sense if you thought about what else would those people do to try to have short-term income, especially if they thought things were going to get better? You wouldn't necessarily want to sell your house. You wouldn't want to do things that would result in significant financial loss to you, so it might well be that given the available options that credit card debt doesn't seem so bad.
Do you have any tips for retirees trying to make do on a fixed income?
The term fixed income is thrown around a lot, but few retirees really live on a fixed income. First, Social Security isn't fixed any more than my wage is fixed. In fact, it wouldn't surprise me if we went back and looked, that people on Social Security have gotten bigger increases than my university has given me over the last few years. So, what's fixed? Fixed in real terms, more or less, so it rises from year to year. Obviously, this is a controversial issue of whether it should rise more or less, but that's not really fixed. And if one has other forms of asset wealth, those monies are likely to go up or down and one has to be careful about that, but that's really no different than the rest of us. What would be more likely to be fixed would be if a person has an employer pension, a [defined benefit] plan. They're unlikely to be increased if a person is on other forms of government assistance. So, I wouldn't necessarily use the word 'fixed' income. However, the budgeting issue is an important one, and that's important for all of us in terms of trying to think about how to spend and save. Is it more important for the elderly who are no longer working? Probably yes, but it's not unimportant for all the rest of us. Another big issue these days is just people accumulating debt and not being able to manage the debt.
Basically, by the time someone is 50 [years old] they shouldn't, other than for very special purposes, have any credit card debt. Certainly they shouldn't have any credit card debt if there's an interest rate higher than the interest rate they're getting on a fairly safe investment, which at the moment is pretty close to zero. So, other than things like free credit cards, it indicates something significant, way out of whack, that there would be any debt. On a sort of normal schedule, someone let's say at age 50 should be pretty well paid down on their mortgage. So, I think it's a general symptom of people having insufficient savings for retirement made worse by the fact that in a lower interest rate return on investment environment what would have been reasonable amounts of money for retirement five years ago are no longer reasonable amounts. Just from my point of view, it's a little problem within the much bigger problem of inadequate savings for retirement, which is not limited to individuals. Pension funds are in the same boat and are at least starting to recognize that they need to have more in dollar amount of investment set aside to cover retirement. They're just not adjusting fast enough.
What advice do you have for people over the age of 50 who are struggling with credit card debt?
Clearly, it's paying down the debt as quickly as possible. It involves what I think people are already trying to do, which is saving at a higher rate. It is difficult to save at a higher rate when you have tax rates for most people going up, you have issues with energy which have sort of spread themselves through the economy, and probably the biggest problem is healthcare costs. I think people's expectations as to the level of healthcare [they should receive] are out of line with reality. If we're an economy that's basically in the same spot where it was for most people in the late 1960s, we should have levels of healthcare that, taking into account certain advances in technology, aren't going to be a whole lot different. And people clearly don't have that expectation; the government doesn't have that expectation. You can't look at the whole retirement picture without looking at basically a world that's unchanged in terms of the average person's lifetime income from where it was 40-some years ago, but expectations of spending on healthcare that have maybe gone up three or four times since then. That's the elephant in the room of all of this. So, it's not like there's any easy, magic thing people can do other than just try to rearrange things so that the debt that they have is something that they can pay off and is something other than credit card debt, which tends to come with very high interest rates attached to it. And a lot of people are clever already. They do things like borrow against 401(k) plans, which is always of course a bad thing to do, but if you can borrow against that at a low interest rate and you are for whatever personal circumstances stuck for a while, it's clearly preferable to credit card debt. The world is set up so any sort of financial set-back is very difficult to recover from, and going through a typical person's life, they're going to have one or more of those at some point.
What broader societal dynamics are contributing to rising credit card debt levels among older consumers?
The whole society is going through a painful process of having to adjust expectations. The positive thing has been technological change, even in the healthcare area. One thing we have to do is probably backtrack a lot on regulations in healthcare. The valid comparison is we have the income of someone in the late 1960s, [yet] doctors in the 1960s did not spend half or more of their time dealing with paperwork. They spent a tiny amount of their time [on it]. There has to be a major rollback on the whole administrative cost of the healthcare system, whereas it seems that the current moves are just to make that so giant that you seriously discourage existing physicians from continuing to work and you start cutting into the people who want to go into the profession. That's going to be very difficult for society to determine that they want to actually have a medical care sector that delivers medical care, rather than delivering bureaucracy. It's the sort of thing where it takes some sort of reaching bottom or crisis point to get change there. But technology is the positive. With the same dollar resources that the U.S. was spending 40 or 50 years ago, there are lots of medicines and treatments that are available at now low costs because they've gone off patent that were just unimaginable back then.
How has the nature of retirement planning changed over the past few decades?
People live longer. Retirement is just a much bigger thing now. …. Originally, Social Security with the retirement age of 65 was not intended to cover a whole lot of people. If you look at the actuarial tables from back then, not many people got past 65. We're looking at a future where we're going to have enormous numbers people age 90 and above. We could well have enormous numbers above age 100. At some point, steps have to be taken at some level to start adjusting for that, and certainly the current political landscape doesn't look like one where the adjustment will occur.
Takeaways + Tips
- Increased debt levels for older Americans could mean any number of things: A disparity between the credit card debt levels of people who are older than 50 and their younger counterparts doesn't automatically spell doom for the former. One reason for that is older consumers tend to have a greater opportunity to incur debt since their lengthy credit histories and often higher income levels equate to higher credit limits. Or, they could conceivably be leveraging a 0% credit card offer to invest their would-be payments elsewhere for a short period of time.
- However, the reliance on credit card debt to cover day-to-day expenses speaks volumes: Since older consumers generally turn to credit only after they've exhausted savings, home equity, and loans against their 401(k), increased credit card debt indicates that little money is leftover for retirement. It also implies that they've been struggling for some time now and something needs to change soon if their situations are to improve.
- Indebted consumers age 50 and up are behind schedule for retirement: The traditional life schedule that most people strive to emulate entails buying a home in your 20s, paying off a 30-year mortgage by the time you're in your 50s, and then building up a nest-egg for retirement which comes in your 60s. People currently in their 50s obviously aren't debt free and are therefore looking at a much later retirement, if any at all.
- Social Security won't cut it alone: Not only was the Social Security system based on a much shorter life expectancy than what we're seeing now, but it wasn't intended to be self-sufficient either. Rather, it was meant to supplement personal savings and a company pension.
- You should think carefully before taking Social Security benefits early: Opting for Social Security benefits at 62, as opposed to 66, will cost you 25% of your expected lifetime payout and may impact what your spouse receives as well. Earning more than about $14,000 per year between the ages of 62 and 66 will further reduce whatever Social Security benefits you earn during that time.
It's easier said than done, but the first step toward retirement for consumers age 50 and up is obviously to get rid of any credit card debt as soon as possible. While the recent economic landscape has helped to fuel indebtedness, it ironically also offers a way out too. In the aftermath of the Great Recession, credit card companies have taken to offering 0% interest introductory terms for a year-plus in order to attract new customers who have high credit scores. In fact, the best card on the market – the Slate Card from Chase – offers 0% on transferred credit card debt for 15 months and charges neither an annual fee nor a balance transfer fee.
That means if you've been able to maintain excellent credit in the face of rising debt, you could trade in your current high interest rate for no interest at all without paying a dime in the process. Not only could that lessen your financial load in the short-term, but it could also save you around $1,000 in fees and finance charges while allowing you to pay down what you owe much faster. Just make sure to first use a credit card calculator to develop a conservative debt payoff plan because you never know whether 0% rates will still be available a year and a half from now.
Image: Robert Kneschke/Shutterstock
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subset: commoncrawl


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Washington, DC—Senate Majority Leader Harry Reid made the following statement today after the U.S. Senate voted for the Alternative Minimum Tax Act without a measure to pay for it:
"I am relieved that the Senate has acted this evening to extend AMT relief for 19 million taxpayers – including nearly 100,000 Nevadans. But I want to make it perfectly clear that I am very disappointed Republicans prevented the Senate from passing AMT relief in a fiscally responsible manner. Instead, Republicans insisted that the $50 billion cost of this proposal be added to the national debt – a debt that is already growing at a rate of $1 million a minute.
"Although I think it is a shame that it had to come to this, I am supporting this effort because it would be far worse to impose the AMT tax on 19 million unsuspecting Americans. Democrats will continue to insist on a paygo policy and it is our hope that in the future, Republicans who talk so proudly of fiscal responsibility will back up their rhetoric with their votes.


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To the editor:
I have followed politics for the past 25 years, and worked with many legislators in different states on many issues, and the simple truth is: Julianne Ortman is one of the hardest working, most effective legislators I have ever seen.
The Star Tribune recently called her a "legislative powerhouse" and here is an example of what they mean. As Chair of the Senate Tax Committee she turned a $6 billion budget deficit into a $1 billion surplus without raising taxes.
Last week in a letter to the editor, Carolyn Hoernaman tried to criticize Senator Ortman for not cutting more from the budget two years ago. However, Ms. Hoernaman's candidate was asked "what state services should be cut?" by the Chaska Herald last week, he could not identify one program or one dollar of cuts! We deserve better.
I have had the pleasure of working with her family and campaign team and experiencing the fantastic support she receives from her constituents, volunteers, and fellow legislators. Join me in voting for Julianne Ortman for State Senate on Tuesday, Aug. 14.
Jim Sanborn
Chair, Ortman for Senate
Editor's note: As with the first letter, this letter was accepted to allow the letter writer, who was writing on behalf of his candidate and her campaign, a chance to respond to an issue that was raised in a letter from last week.
Mark Wickenhauser
Waconia Township


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Music Scene, Oct. 5-11
From the big sky of Montana comes a big sky sound, a mix of Americana, country, blues and honky-tonk, compliments of Little Jane and the Pistol Whips that will take the stage at 7:30 p.m. Friday, Oct. 5, at Cavalcade, 201 E. Aspen Ave., in Fruita.
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Tickets are $10.
Go to littlejaneandthepistolwhips.com or call 260-5413 for information about the band.


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The U.S. Consumer Product Safety Commission and Giant Bicycle, Inc. are recalling two models of bikes built by the Newbury Park (Calif.) company. Both the 2012 model year of Giant's Defy Advanced and Avail Advanced bicycles have front forks which may crack, posing a fall hazard to riders.
This recall involves all 2012 model year men's Giant Defy Advanced 0, 1 and 2 model bicycles and the women's Giant Avail Advanced 0, 1, and 2 model bicycles. Giant and the model name are printed on the bicycle. The bicycles were sold in various colors and sizes at authorized Giant Bicycle dealers nationwide from August 2011 through November 2011 for between $3,000 and $4,550.
Consumers should immediately stop riding the recalled bicycles and contact any authorized Giant Bicycle dealer for a free inspection and replacement of the fork.
For additional information, contact Giant Bicycle (toll-free: 866-458-2555) or visit the firms website at www.giant-bicycles.com
Giant Bicycle Recalls Two Models; Forks Can Break Causing Fall Hazard [CPSC]
—Paul Eng
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text: On Wed, Sep 17, 2003 at 11:40:47PM -0500, Steve Langasek wrote: > - debootstrap fails with an error ',: applet not found' (IIRC -- I > don't have the log in front of me right now). That's game,set,match; > can't do much if you can't start the actual install. :) Had this on ia64 also. Turned out the busybox-cvs build was broken, 'tr' existed as a link to busybox, but tr functionality was not in busybox. The cause was broken glibc headers.. linux/config.h was getting included and that does "#undef CONFIG_TR" (no token ring), which overrode the CONFIG_TR in busybox. Bug filed on krnel-patch_2.4.20-ia64. HTH, Richard


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Villa Rental In Copanello With Pool
Villa with 2 bedrooms, 1 bathroom and shared pool in Copanello, Italy
Booking cost: £0.00
Pay onlybooking deposit
From £303 per week
Villa to rent in Copanello, Italy
Villa overview - owner's description
Terraced house in Copanello Lido Residence, centrally located, on the Ionian coast of Calabria in the beautiful bay of Copanello, at the foot of Coscia di Stalettì.
Terraced house in Copanello Lido Residence, centrally located, on the Ionian coast of Calabria in the beautiful bay of Copanello, at the foot of Coscia di Stalettì (Calabria mountains also called Mons Moscius) . From here you can admire the coast of the Ionian Sea from Isola Capo Rizzuto up to Punta Stilo. The whole territory of Copanello is characterized by lush hills with the typical Mediterranean vegetation and white stone cliffs that slope gently toward the sea, features are the caves of San Gregorio, bordering Caminia. The apartments are on two floors, with double entrance and small garden surrounded by hedges. The equipped beach, at 300 m., is walking distance and it extends over a wide stretch of sand facing a blue and crystal clear sea with a gently sloping sea bottom. Inside the residence the following services: reception, bar, swimming pool for adults and children, large solarium, tennis courts, five-a-side football, bocce, day and evening entertainment, mini club 3/13 years, large green area, equipped and fenced mini club area, equipped beach with umbrellas, chairs, showers and restaurant. On the beach you will able to do the following activities: tennis lessons, canoeing, aerobics, Latin dance, water aerobics, daytime and evening entertainment with tournaments, games, cabaret and evening shows, mini club 3/13 years, free use of all sports equipment of the resort except tennis and night five-a side football. Mini Club (children 3/13 years): special care is dedicated to children, a small swimming pool and a reserved area only for them in the resort where they can play games but also they can meet a qualified entertainment staff that organizes fun activities and educational, and many other nice activities during the day. Shops: pharmacy at 300 meters, tobacco shop, newspapers, grocery store, bazaar, game room, restaurants, pub, nightclub.
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Outside this villa in Copanello, ItalyThis villa has a shared pool, a balcony and a tennis court.
Prices and availability
Updated 25 September 2017
Select your travel dates on the calendar
Changeover days and minimum stays
- 16 September 2017 - 12 January 2018: changeover day is Saturday.
Tourist tax
Throughout 2017: Maximum €1.50 per person per night, paid locally
Bed linen (including towels)
Throughout 2017: free of charge
Final cleaning
Throughout 2017: free of charge
2 bedrooms, Sleeps 6:
- 1 double bed
- 2 single beds
There is also 1 double sofa bed
1 bathroom
Swimming pool
Shared pool
Internet / WiFi, TV
Air conditioning, Washing machine, Car hire optional
Cooker, Fridge
Balcony or terrace, Parking, Tennis court, Garden
Suitable for


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Why 'There's Something About Mary' Is Exactly Your Love Life
Sure, it's disgusting — it's the Farrelly brothers, it has to be disgusting. Still, there's something about 'There's Something About Mary' that rings true. So many aspects of it remind us of the relationships we've all been in (or tried to). Here are just a few ways 'There's Something About Mary' is just like your love life. (Not exactly SFW.)
You try to impress someone you like, and it comes out all wrong.
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Below is a listing current of NPTC 2012 National Safety Conference registered attendees. Please allow 30 minutes for new online registrants to appear on the list. Click on the company and name headings to change the sort. Back to My Account.
|Total Attendees
|Attendee Name
|ADM Trucking, Inc.
|Andy Boehme
|ADM Trucking, Inc.
|Keith Frantz, CTP
|ADM Trucking, Inc.
|Ron Hake
|ADM Trucking, Inc.
|Doug Traut
|Airgas, Inc.
|Daniel Stonecipher
|Albertsons Companies
|Brian Antonellis, CTP
|Albertsons Companies
|Tom Nartker
|Automotive Resources International
|Mike DeCesare
|Automotive Resources International
|Joe Frantz
|AWF Express, LLC
|Robert Smith
|Bendix Commercial Vehicle Systems
|Gary Ganaway
|Benjamin Moore & Company
|Jose L. Garcia
|Bimbo Bakeries USA
|Tien Fleming, CTP
|Blue Tree Systems
|Chip Powell
|Brakebush Transportation, Inc.
|Michael Schwersenska, CTP
|Bridgestone Americas Tire Operations, LLC
|Kris J. Kolbe, CTP
|Castellini Group of Companies
|Tim Hubbard, CTP
|CEI Group
|Luann Dunkerley
|CHS Inc.
|Nancee Fenton
|CHS Inc.
|Anna Hostrawser
|Core-Mark International
|Keith A. McWilliams, CTP
|Cory Home Delivery Service
|Jason Garretson
|CPC Logistics, Inc.
|Robert J. Boyich, CTP
|CPC Logistics, Inc.
|Daniel W. Most
|Custard Insurance Adjusters
|Cheryl Sooter
|CVS Health
|Nick Cindrich, CTP, CDS
|Dade Paper & Bag Company
|Kenneth A. Morris
|DAT Solutions LLC
|Don Thornton
|Dean Transportation, Inc.
|William Jones
|Dean Transportation, Inc.
|Robin Rawlings
|Dot Transportation, Inc.
|Victor Hart
|Dot Transportation, Inc.
|John Ourth
|DOT Transportation, Inc.
|Mike Stevenson
|EBE Technologies
|Cindy Nelson, CTP
|Fleet Advantage
|Sandra N. Rosenfeld, CTP
|Fleetworthy Solutions
|John S. Vosters
|Four Star Transportation
|Charles H. Dorger
|Frito-Lay, Inc.
|Randy Perry, CTP
|GNC Transportation LLC
|John Koch
|Gold Medal Bakery
|Clinton LaFleur
|GreenLine Logistics
|Ronald J. Pahl, CTP
|Gregory & Howe, Inc.
|George Howe
|Hillyard, Inc.
|Charles Amen, CTP
|Home City Ice
|John Gillenwater, CTP
|Idealease, Inc.
|David E. Helge, CTP, CDS
|Instructional Technologies
|Zack Clinard
|Instructional Technologies
|Marius Karoy
|Instructional Technologies
|James W. Voorhees, Ph.D.
|J.J. Keller & Associates, Inc.
|Mark Catlin
|J.J. Keller & Associates, Inc.
|Cory Puuri
|KF Trucking, LLC
|Todd Hennis
|Leggett & Platt, Incorporated
|Shaunna R. Wano
|Lily Transportation Corp.
|Justin W. Poor III
|Del Lisk, CTP
|Mack Leasing System, Inc.
|Michael P. Parrish, CTP
|Maines Paper & Food Service
|James B. Shafer
|Marathon Petroleum Company LP
|Bill Wintrow
|Market Express, LLC
|Joseph R. Darby, CTP
|Matheson Tri-Gas, Inc.
|Scott Timmons
|McKee Foods Transportation LLC
|Herman Fawley
|McKee Foods Transportation LLC
|Mark Hale
|McKee Foods Transportation LLC
|Bailey Johnson
|McKee Foods Transportation LLC
|Rick L. Sprouse, CTP
|McKee Foods Transportation LLC
|Chris Sullivan, CDS, CTP
|MedTrans LLC
|Ricky Abell, CTP, CDS
|MedTrans LLC
|Joe Laskowski, CTP
|Meijer, Inc.
|Carol Heinowski
|Meijer, Inc.
|Daniel Starr
|Mennel Milling Company
|Jeremy Decker, CTP
|Mennel Milling Company
|Dallas Heck, CTP
|Mennel Milling Company
|Elmer Keen
|Mennel Milling Company
|Art McGrain
|Merchants Distributors, LLC
|Paul F. Miller, CTP
|Metal Sales Mfg. Corp.
|Michael D. Walker
|Monica Wyly Consulting
|Monica L. Wyly, CTP
|Nalco Company
|Kim Bohne
|Nalco Company
|Peter Ramsay
|National Sleep Services
|Nikki Jensen
|National Sleep Services
|Tom Powers
|NIC Federal, LLC
|Laura Johnson, CTP
|NIC Federal, LLC
|Teri Rebo
|Omnitracs, LLC
|Dave Bethers, CTP
|Omnitracs, LLC
|Michael Wenger, CTP
|Orscheln Farm and Home, LLC
|Erle Bergstrom, Jr., CTP
|PACCAR Leasing Company
|Olen W. Hunter, CTP
|Jim Angel, CTP
|Garland L. Jackson, Jr.
|Richard Kurtz, CTP
|Pepsi Beverages Company
|Kenneth Burroughs, CTP
|Pepsi Beverages Company
|Kathleen Gelman
|Pepsi Beverages Company
|Mike Nelson, CTP
|Pepsi Beverages Company
|George R. Palmer, Jr., CTP
|Perdue Farms, Inc.
|Frank J. Cruice, CSP
|Perdue Farms, Inc.
|Thomas Pollard, CTP, CDS
|Steven Timmerman
|Philips Respironics
|Tony Jewell
|PV Transport, Inc.
|Robert Drygas
|Roberts Oxygen Company, Inc.
|Robert M. McHale
|Ross Transportation Services
|Bill Cromling, III, CTP
|Shaw Industries Group, Inc.
|Greg Whisenant, CTP, CDS
|SleepSafe Drivers
|Adrian Knight
|SleepSafe Drivers
|Dana Voien
|Snyder's-Lance, Inc.
|Steve Jones
|SpeedGauge, Inc.
|Robert Reid
|Speedway | SWTO LLC
|Archie Wood, CTP
|Jeff Oegema
|Sysco Corporation
|William M. England
|Talon Logistics, Inc.
|Chuck Brewster
|Talon Logistics, Inc.
|Gary Johnson
|Talon Logistics, Inc.
|Aaron Rensel
|Talon Logistics, Inc.
|Michele Socha
|The Hill Group, Inc.
|John Hill
|The Kraft Heinz Company
|Timothy A. Fawver
|The Kraft Heinz Company
|Kevin Harness
|The Kraft Heinz Company
|Charles Hartley
|Top Notch Distributors, Inc.
|Michael G. Flynn, CTP
|Toyota Motor North America
|David R. Gadberry, CTP
|Toyota Transport
|Kirk Welch
|True Value Company
|Robert Akey
|True Value Company
|Barry Frantz
|United Natural Foods, Inc.
|Deborah Dancause
|Upstate Niagara Cooperative
|Michael Conklin
|Upstate Niagara Cooperative
|Robert Parkinson
|Valley Proteins, Inc.
|Christine Landes
|VF Jeanswear, Inc.
|Bill Hartman, CTP
|Vigillo, A SambaSafety Company
|Steven G. Bryan
|WFM Transport, Inc.
|Grant Markley
|WFM Transport, Inc.
|James L. Read


text:
Molecular Investigation of Non Alcoholic Fatty Liver Diseases in Obese Patients
The recruitment status of this study is unknown. The completion date has passed and the status has not been verified in more than two years.
Verified April 2009 by University Hospital, Strasbourg, France.
Recruitment status was: Recruiting
Recruitment status was: Recruiting
University Hospital, Strasbourg, France
Information provided by:
University Hospital, Strasbourg, France
ClinicalTrials.gov Identifier:
First received: February 13, 2009
Last updated: April 24, 2009
Last verified: April 2009
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
Non alcoholic fatty liver diseases (NAFLD) are represented by two main pathological conditions, hepatic steatosis (HS) and non alcoholic steatohepatitis (NASH), which are characterized by the accumulation of fat in the liver. The diagnosis of these two entities is achieved by histology and neither imaging nor biochemical markers are accurate enough to discriminate them. At the contrary of HS, NASH features hepatocyte necrosis, inflammation and fibrosis of variable intensity that could progress and ultimately evolve to cirrhosis. Therefore, it is important to distinguish between HS and NASH in order to treat the patients accordingly. In this study, the investigators aim to understand the molecular mechanisms that govern the transition from benign steatosis to complicated NASH. The investigators will analyze by "Q-RT-PCR" and "DNA microarray" technologies in the liver of obese patients, the expression of genes that are susceptible to be involved in the pathogenesis of NAFLD and identify the potential signaling pathways responsible for the progression of the disease.
|Liver Disease
|Procedure: Bariatric surgery Procedure: cholecystectomy or benign liver tumor removal
|Study Type:
|Study Design:
|Observational Model: Case Control
Time Perspective: Prospective
|Official Title:
|Evaluation of Non Alcoholic Metabolic Liver Diseases in Patients Harboring Central Adiposity and Insulin Resistance by Biochemical and Functional Genomic Approaches
Resource links provided by NLM:
Genetics Home Reference related topics: non-alcoholic fatty liver disease
MedlinePlus related topics: Fatty Liver Disease Liver DiseasesU.S. FDA Resources
Further study details as provided by University Hospital, Strasbourg, France:
Biospecimen Retention: Samples Without DNA
|Estimated Enrollment:
|Study Start Date:
|February 2009
|Estimated Study Completion Date:
|January 2011
|Estimated Primary Completion Date:
|January 2011 (Final data collection date for primary outcome measure)
|Assigned Interventions
(n=30): without central adiposity, without insulin resistance, operated for cholecystectomy or a benign liver tumor.
Procedure: cholecystectomy or benign liver tumor removal
cholecystectomy or benign liver tumor removal
(n=30): with central adiposity, insulin resistance and hepatic steatosis (histology).
Procedure: Bariatric surgery
Gastric bypass.
(n=30): with central adiposity, insulin resistance and steatohepatitis ± hepatic fibrosis (histology).
Procedure: Bariatric surgery
Gastric bypass.
|Ages Eligible for Study:
|18 Years to 60 Years (Adult)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
|Sampling Method:
|Non-Probability Sample
Study Population
Primary care clinic
Inclusion Criteria:
- Group T(n=30): patient without central adiposity, without insulin resistance, operated for cholecystectomy or a benign liver tumor
- Group A (n=30): patient with central adiposity, insulin resistance and hepatic steatosis (histology).
- Group B (n=30): patient with central adiposity, insulin resistance and steatohepatitis ± hepatic fibrosis (histology).
Exclusion Criteria:
- viral or autoimmune hepatitis
- hematochromatosis
- alcohol consumption (> 20 g/24h women, >30 g/24h men)
- type 1 diabetes
- inflammation or infection before procedure
- abnormal hemostasis or coagulation- pregnancy
Contacts and Locations
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the Contacts provided below. For general information, see Learn About Clinical Studies.
Please refer to this study by its ClinicalTrials.gov identifier: NCT00844779
Please refer to this study by its ClinicalTrials.gov identifier: NCT00844779
|Contact: Ahmed Nassim DALI YOUCEF, PHD
|(33) 126.96.36.199.84
|Contact: Michel DOFFOEL, MD
|(33) 3 69 55 04 82
|Service d'Hépato-Gastro-Entérologie - Nouvel Hôpital Civil
|Not yet recruiting
|Strasbourg, France, 67091
|Contact: Michel DOFFOEL, MD (33) 3 69 55 04 82 firstname.lastname@example.com
|Sub-Investigator: François HABERSETZER, MD
|Principal Investigator: Michel DOFFOEL, MD
|Service de Chirurgie Digestive et Endocrinienne - Nouvel Hôpital Civil
|Strasbourg, France, 67091
|Contact: Michel VIX, MD (33) 3 69 55 10 52 firstname.lastname@example.com
|Principal Investigator: Michel VIX, MD
|Sub-Investigator: Jacques MARESCAUX, MD
Sponsors and Collaborators
University Hospital, Strasbourg, France
|Principal Investigator:
|Michel DOFFOEL, MD
|Hôpitaux Universitaires de Strasbourg
More Information
Keywords provided by University Hospital, Strasbourg, France:
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on September 21, 2017
|Responsible Party:
|Christine GEILLER, Direction de la Recherche Clinique et de l'Innovation - Hôpitaux Universitaires de Strasbourg
|ClinicalTrials.gov Identifier:
|NCT00844779 History of Changes
|Other Study ID Numbers:
|Study First Received:
|February 13, 2009
|Last Updated:
|April 24, 2009
Keywords provided by University Hospital, Strasbourg, France:
Metabolic syndrome- hepatic steatosis- steatohepatitis - gene expression
Non alcoholic fatty liver disease (NFALD)
Additional relevant MeSH terms:
Liver Diseases
Fatty Liver
Non-alcoholic Fatty Liver Disease
Digestive System Diseases
Liver Extracts
Hypoglycemic Agents
Physiological Effects of Drugs
ClinicalTrials.gov processed this record on September 21, 2017


text:
New York City Abercrombie & Fitch is gearing up to launch an intimate-apparel concept for teens and young adults. The new brand will be called Gilly Hicks, and will have an Australian theme, according to a Reuters report.
The first Gilly Hicks store is scheduled to open this year, in late January, at Natick Collection, an upscale mall in Natick, Mass. Four additional locations are planned following the Natick launch.
Abercrombie's entry into the intimate-apparel market follows the success of Victoria's Secret youthful Pink brand, which is testing freestanding locations. In 2006, American Eagle launched its own loungewear format, Aerie, which now has over 32 stores


text:
What hair gel would you guys recommend that is more natural and doesn't leave that crunchy stiff feeling.
What hair gel would you guys recommend that is more natural and doesn't leave that crunchy stiff feeling.
I am on the same quest as you. I just ordered a whole bunch of samples from a user name Kathymack. These are the ones I'm going to try
-komaza coconut pudding
-Aubrey organics mandarin jelly
-Donna Marie miracurls gelly
-kinky curly curling custard
She has a lot more other samples so I would check them out. It's the perfect way to try different products without breaking bank.
You should do a forum search. That way you can find reviews on tons of gels and other products. Also, if you know your hair properties, it will make it easier for people to give you recommendations.
And crunch is a good thing. When your hair is totally dry, you can squeeze or scrunch your hair gently, which breaks the gel cast and leaves you with soft frizz-free curls.
I love, love, love La Bella Lots of Curls styling gel. It's awesome! The gel cast breaks up easily after the hair is dry, and my hair doesn't feel stiff or producty. It's the perfect gel for my baby-fine 2c/3a curls.


text:
Views: 80
I think most of these writers are judging our car from the viewpoint of the masses of American car enthusiasts. This car fills a new niche that was waiting to be filled. Economical to own and drive. Perfectly fun to customize. Easy for any one to drive. Cute as a button. Easy to maintain outward appearance. Fun to drive. Full blown convertible with roof rails off, or magnificently huge sunroof with the rails on. Available full roof sun window; how much better interior lighting could you want on a sunny day.
I will give up the ability to roar away from a stoplight, smoke and all to have that 30 to 50 mpg around town and to and from work. I think this car will catch on with the teenagers as well. Most of us need at least one car that carries 1 or 2 people at a time. Our main car occasionally carries 3. The rest of the time singly or us together in the smart. It will just take time for America to open their minds. The next gas crisis will help. The electric drive smart will help as well.
When you talk to most car owners they tell you they like their car. smart owners LOVE their car. Unsaid by most reviewers i that the makes that advertise in their magazines get better ratings than cars that don't advertise. The smart isn't for everyone. So what? What else can you drive that brings a smile to so many people who see it?
Mark B. said:I would tend to agree with SATO. Most of us tolerate things in our smart cars as adorable "quirks". Yet, if these same "quirks" were in a Toyota, they would be considered grossly unacceptable.
I think this has a lot to do with perception and expectation. People today demand things be a certain way or its garbage. As for the transmission, most couldn't care less about the underlying fundamental difference in the technology. They simply want it to shift smoothly.
Has anyone watched their passengers during a shift of a manual transmission? They do the head-bob each time. The reason is the passengers don't know when to expect the shift. The driver doesn't do the head-bob because he/she knows when THEY will shift. The smart is the great equalizer. Only it knows when the shift will happen and everybody does the head-bob. Reviewers either don't understand of don't care about these little facts. It's a pity for I think the mentality of don't bother me with real facts stifles innovation because companies fear bad reports.


text:
with Rodney Perry and Tone-X
Mo'Nique, an Oscar award-winning actress and one of the Original Queens of Comedy, will perform a Mother's Day Comedy Show on Sunday, May 13 at The Chicago Theatre.
Mo'Nique has gained visibility and immense popularity from her performances on "Showtime at the Apollo", HBO's "Def Comedy Jam", "Apollo Comedy Hour", HBO's "Snaps", BET's "Comic View", The Montreal Comedy Festival and Uptown Comedy Club.
Advance Tickets: $62/ $72
Day of Show Tickets: $65/ $75
For mature audiences only.


text:
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Editorial Archives The Altamont Enterprise, May 28, 2009
New Scotland has a golden opportunity to plan for its future. Lost in all the rhetoric as citizens for more than a year have battled over the fate of the Bender melon farm is this: Residents care; they are energized.
When Sphere Development planned a 750,000-square-foot retail mall since cut in half anchored by a Target, 2,400 residents of the town's 9,000 signed a petition, calling for a moratorium so that zoning could be adopted to align with the town's comprehensive land-use plan, adopted in 1994.
The focus has become narrowed to slogans that dot yards in town "No Big Box" or "Size Cap."
With Albany County's planning board last week turning down the controversial Local Law B because it would not have regulated the density of commercial development, now is the time to step back and take a wider look at the town and its future.
The 1994 plan declares that outside of the hamlets, New Scotland is rural. "The greatest use of these rural lands is for agriculture," says the plan.
About 43 percent of New Scotland's land is zoned for housing and related uses, the master plan says, and is located largely in hamlets or along existing roads, as opposed to being part of large subdivisions.
"New Scotland is still an essentially rural community," says the 1994 plan. "While long lost in many Capital District suburbs, the traditional development pattern, where buildings are clustered in hamlet areas and outer areas remain open is still dominant in New Scotland. This development pattern gives the town an historic context."
The old is new again. A current trend in development is to build walkable communities, where amenities like stores and churches, banks and libraries are built near dwellings.
When the Residents Planning Advisory Committee, appointed by the town board in 2003, surveyed residents and businesses in New Scotland, it found the preferred uses, if the Route 85 and 85A Corridor were to be developed, would be in order of preference eateries, professional offices, and banks and personal services.
Overall in town, 85 percent of the survey respondents said that encouraging working farm operations is either very important or important, and 92 percent said that preserving open space was either very important or important.
The best way to preserve open space thereby satisfying the vast majority of the town's residents is to have working farms.
As we pointed out in March 2008, soon after we broke the story on Sphere Development, New York is a home-rule state so each town can play a powerful role in shaping its own individual future. "Municipalities can do more to protect agriculture than, at some times, the commissioner of agriculture even the governor because the legislature has given to local towns the authority to develop comprehensive plans and develop land-use regulations," said John Brennan of the state's Department of Agriculture and Markets.
Those who are pushing for development for relief from taxes will be gratified to know that working farms meet that end better than anything else. According to a cost of Community Services Studies conducted by the American Farmland Trust over the last several years, comparing the cost in services used by residential development, commercial and industrial development, and working an open land, "In every community studied, farmland has generated a fiscal surplus to help offset the shortfall created by residential demand for public services."
Research reported on earlier this month by Saranac Hale Spencer shows that, while the number of farms overall are declining nationwide just as they have in New Scotland near cities, in peri-urban areas, there has been a steady increase in niche farming. It's not just what comes out of the ground that contributes to the economy, but the food industry as a whole.
A recent study, "Population Change and Rural Society," edited by William A. Kandel with the United States Department of Agriculture, and by David L. Brown, at Cornell University, describes the "rural/urban fringe" in metropolitan areas in the half century after World War II. "These tracts are becoming increasingly contested spaces given conflicting pressures for urban development and environmental preservation," says the study. In this context farmland preservation has become an important issue. For the environmental community, it is often a tool for preserving open space, habitat for wildlife, and functioning ecosystems…Residents of the area see farmland and some forms of farm production as an amenity and as an asset in preserving property values."
The study goes on, "With the spread of non-farm residences across the countryside, land use has become more diversified, and farmland and related habitats have become fragmented. By the 1970s, rapidly expanding urban areas, especially on the east and west coasts, were encroaching on agriculture and raising concerns about the negative environmental impacts of continued low-density development what is sometimes referred to as sprawl."
Interestingly, the dispersal of residences across the countryside has often occurred in areas without population growth. Metropolitan areas expanded spatially to include extensive rural territories as people commuted to work across greater distances, creating a more varied and complex "rural/urban fringe" landscape often described as "leap frog" development, the study says. There is no smooth or consistent pattern as houses are often built on large lots and isolated from other dwellings, "creating a fragmented landscape peppered with residences."
New Scotland has largely escaped this fate, as development has been clustered in the village and hamlet areas. We can envision zoning for the town that would develop these historical centers further while still leaving farmland on the outskirts.
Zoning in New Scotland was first adopted in 1961, an era that spawned sprawl as two-car families began regularly driving rather than walking to reach amenities. The roughly 400 acres that lie at the crossroads of routes 85 and 85A had a few businesses back in 1961; "That's where the commercial activity was," said the town's longtime building inspector, Paul Cantlin. A handful of businesses are still located there but why does that mean there should be more?
"You look at the land," said Robert Stapf, who has chaired the planning board for years. "The land dictates what it can be used for." Some land isn't necessarily suited for agriculture, said Stapf. "There are other, higher and better, uses for it."
When we look at the land where Bender melons were once grown, and which is still farmed, we see this dictate: rich farmland. Why should a regionally drawing shopping mall be seen as a higher and better use?
Farms and related businesses provide jobs typically more enduring than mall jobs reduce tax burden, and preserve open space. The Kandal and Brown study concludes that policies should be designed to help farmers take advantage of multiple-earning opportunities, most abundant near cities. Products and services that cater to urban populations provide a new niche market. Buying locally grown food not only saves on gas and helps the environment, but also helps the local economy.
"Population growth bears both opportunities and constraints for agriculture," concludes the USDA and Cornell study, "However, with careful local planning, population growth can be channeled in ways that buffer farmland and create additional economic opportunities…."
New Scotland is the right place at the right time to make this work. Harness the energy and insights of an aroused citizenry to create a plan that encourages desired development near hamlets there are several large tracts near water or potential water and keep the essence of the town's historic beauty and economy.
Melissa Hale-Spencer, editor


text:
My experience with Brazilian Keratin Treatment (BKT)
Hi- I wanted to share my experience with getting the BKT treatment for anyone considering spending a large sum of money on it.
I have type 3a curls and a ton of hair that is not behaving very well which is the reason I considered getting it straightened in the first place. It used to hang in spirals and corkscrews and now it just kind of does it's own thing..
I had the stylist just trim my hair once so I could talk with her about BKT. Suprisingly she tried to discourage me from getting it- she was very "pro" natural texture but did say that it would leave it straight and soft. I think I had overly high expectations of being able to jump out of the shower with straight hair. I re-confirmed that I would NOT have to blow dry and flat iron to get straight hair and was told that it would dry straight.
If you are considering it you should know the following:
The process is very very long and smelly! I was at the salon all day. They must wash the hair, dry your hair thoroughly then apply the product, then flat iron completely.
You cannot wash your hair or put it up in any hat, ponytail holder, or tuck it behind your ear etc. for four days or it will cause a "kink" in the hair. (This was a huge pain in the rear.)
The result (for me anyway): was hair that will stay straight when flat ironed but does not come out of the shower straight but wavy. It did seem to be less frizzy and tangly but this has worn off over the months as the protein product has washed out. With the use of the flat iron, my hair was incredibly soft and naturally looking straight.
I have not had the process repeated mainly due to the price and the fact that if I have to flat iron it anyway there really isn't a lot gained. Interestingly, there has been an overwhelming majority of male friends who have indicated they liked the curly hair better ( I am a firefighter so I figured they probably didn't even notice!)
On a positive side- I did learn how to flat iron my hair quickly so I can wear it different for a change and there doesn't appear to be any damage from the process.
Obviously, BKT may work different on other hair types or there may be something my stylist did different but hope this helps if anyone is trying to decide. I am actually planning on starting the CG routine tomorrow if I can dig out some CG products from my closet.
Is this the treatment that costs like 300 dollars? I thought it was supposed to keep your hair straight. hm.
Thanks for posting this!
I've been curious about the BKT but the more I hear about it the more skeptical I get. All this info is certainly helping...sounds like it may not be worth the money. :albino:
it costs 150 per hour
is it true keratin comes from sheep or something? :sad1:
My curls after BKT (done at Houston)
Ok. I had been investigating about this treatment for almost 6 months before I decided to do it. It was kind of scary because of a couple of things: first, everyone talks about how straight your hair is after the treatment and I did not wanted my curls to go away. Secondly, because of the concerns about side efects of the ingredients and finally, because of the price! I live in houston and every salon is charging between 300-400 and every time I went they said $ 400 or more, ridiculous!!! I went to a salon near my house Art and Beauty back in February and my hair was kind of long they told me $400. They I asked again in April, by then I had cut my hair twice and the guy told me again $400, two weeks ago I went to have my hair cut again (my hair doesn't grow fast) and now it was maybe an inch or less under my shoulder and he told me the first three oz were 300 and then 100 for any extra oz and he probably would use 2 more on my hair so imagine! I was reluctant to go to the salons in the galleria area, but finally decided to take a chance at sensia studios, they told me 300. So I decided to do it. That was last sunday, just a week ago. the process didn't take long. I was at the salon 2 hrs and 15 minutes, but the guy who was doing my hair was doing another girls' hair as well, so there were moments he would left me there while he was finishing with her. It wasn't that much so it didn't bother me but...i would had been faster it it would be just me. Anyway, at the end of the process my hair was pin straight and it didn't feel soft. He explain that was because of the product. The time I was with the hair that way was horrible, because I hate how my hair looks that way. Anyway, as I told you I wanted my curls and I wear my hair that way most of the time and blow dry my hair from time to time bit never pin straight. The panflet I received in the salon said not to wash for 2 days, but the guy who did my hair told me 3 days. Ladies, I wasn't able to wait the 3 days and wash it after 47 1/2 hrs. my hair was really soft and it feels as if i had less hair. I try to air dry without putting any product as some people say they hace been able to do it, but I could see some frizz coming so I wet my hair and apply the products I regularly use and just crunch a bit. So far I am liking it a lot! My hair is definitively easier to fix. Before, to have nice curls done, I devided my hair in sections to apply the product and even after all that ended fixing my curls with the iron. Now there is no need to do that, I just apply the product to my whole hair scrunch a bit and I am ready to go. I have not blow dry my hair straight yet but plan to do it soon, I will try to post something about the resultswhich I hope are with some volume not pin straight. I decided to write this about the curls because while I was investigated there was no information about the results with your curls, so hope this helps if someone else has been misinformed that you will loose your curls!
Brazilian Blow out to calm friz and curls
looking to keep the curl and eliminate frizz.
will the Brazilian Blow out do this without making
it so straight unless you flat iron? I like to
mix it up with curly and straight looks.not ready to say
good bye to curls.
Brazilian Blowout in Houston
Back in 2007 they used to use formaldehyde in the Brazilian Keratin treatment and there were the problems like KyCurly mentioned below. But it's all changed now and there is NO formadelhyde in the product. My friend had it done by Michelle Mascari and she LOVES it! Go to http://brazilianblowoutinhouston.com if you live in the Houston area, ask Michelle for a consultation. The website answers all your questions. You can still wear curls in your hair too if you want. It just takes out all of the FRIZZ. Hope that helps.
Brazilian Blowout vs Brazilian Keratine
Don't get confused between the Brazilian Blowout and the Brazilian Keratine treatments. They are not the same! The original post is about Brazilian Keratine, others comment on the Brazilian Blowout. Prestige & Creation salon in Houston explains more here: http://www.prestige-creation.com/bra...ut-in-houston/
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text:
All photography by Amelia Gregory.
Opposite me on the front row the great and the good of sustainable fashion gathered for the opening show at the Freemasons' Hall: Nicola Woods of Beautiful Soul, Safia Minney of People Tree, Joe Oliver of Bash. It could only be Prophetik.
Prophetik by Chris Morris.
Last season it was a rock 'n' roll band, this time we got pure bluegrass from the Hogslops of Leipers Fork, Tennessee.
The Hogslops by Suzie Winsor.
A hooded girl stood bathed in the glow of the spotlight, gazing demurely into the distance as a series of models took to the grassy turf of the catwalk in a collection of beautiful dip dyed gowns and bloomers made from sustainable fabrics. All were dyed with natural plant and earth based dyes made from the likes of indigo, madder root, marigold and cochineal. The men followed in sweet little waistcoats decorated with antique buttons, ruffled shirts and jaunty neckerchiefs.
This was a far more coherent collection than last season's, and I liked it very much this time around. You've got to admire Jeff Garner's dedication to sustainability – which undoubtedly goes above and beyond the average fashion designer… but I still feel somewhat uncomfortable that this is all we have in terms of a radical rethinking of fashion. Once again we were given copious gifts; a glass bangle made from a bottle by Smart Glass (love their chandeliers!), some products by Burt's Bees, seeds, hand balm from Pat&Rub (quite happy about all that), and an Envirosax bag "Encourage impulse purchases by placing the bags as close to the register as possible." Much as I love them my house is going under in a sea of fabric bags right now – how many more do we need before they themselves become a problem?
Prophetik by Chris Morris.
We were also given an iphone case made in association with Griffin, admirably made by artisans in Jeff's native Tennessee, but from "reclaimed leather, taken as byproduct from existing manufacturing processes and upcycled for use in the case." Really?? And how is a lifestyle that gleefully spans two continents sustainable? Jeff Garner is described as "surfing from his second home in Malibu California, and horse-riding in London's Hyde Park."
There's a fine line between trying to create a truly sustainable world and encouraging the consumption of "ecojunk" by creating more products than we actually need. It's a problem that I struggle with constantly as I try to bridge the worlds of fashion and sustainability. I have so many questions to ask… I really do think that a proper interview is in order soon. Are you up for it Jeff?
Burts Bees, Chris Morris, Ecofashion, Ecojunk, Envirosax, Jeff Garner, Pat&Rub, Prophetik, Smart Glass, Suzie Winsor, Tennessee, The Hogslops
Similar Posts:
- London Fashion Week A/W 2011 Catwalk Review: Prophetik (by Amelia)
- London Fashion Week A/W 2011 Catwalk Review: Prophetik (by Matt)
- Prophetik: London Fashion Week A/W 2012 Catwalk Review
- London Fashion Week S/S 2011: Fashion Scout
- London Fashion Week A/W 2010 Catwalk Review: Prophetik


text:
Woman hit by pickup seriously injured, but child in stroller uninjured
A woman suffered serious injuries after she was hit by a car in Alexandria, but a child she was walking in a stroller appears to be uninjured.
It happened at the intersection of Glebe Road and Commonweath Avenue.
A witness tells ABC7 a pickup ran a red light and slammed into a Honda, which pinned the woman against a wall.
The stroller was destroyed, witnesses say, but it was an all-in-one with a car seat in it and that probably saved the child's life.


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lol that cool 10/10 hey can you rate my screenshots thanks
I'm an Anarchist. I don't need a government to be a good person, but I'm glad it's here because some of you clearly do.
Wow 10/10 for creativity.
check out my fileshare rate, comment let me know what you think
Just Enjoy Life and Keep on Keepin' on.DeviantARTYoutube-KnightMare2I
congrates on favorites buddy, you deserve it =)nice shot btw
senor magoo v3 -Wow. i want to tell my story to... this guy i played with is a B........
yay skm00000!!!
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text:
Today's news
OVERSTATED: In the fight against the state's upcoming constitutional amendment to change the property tax structure, opponents inflate the amount of pain the change would inflict on public schools.
TIME TO APPLY: Now that the Pinellas School Board has approved its new student assignment plan, parents soon can begin signing their children up for various programs including magnets. The process begins with getting ID's made.
SUPPORT THE PINELLAS TAX: The Pinellas district is asking voters to renew a local property tax increase to help pay for salaries and operations. The Times recommends a yes vote.
THE BOTTOM LINE: Florida university tuition is on the rise. Here's a look at the numbers and what they mean.
MORE MENTORING NEEDED: The Council on the Social Status of Black Men and Boys is issuing its report this week, recommending more adult input into the lives of black boys, the Miami Herald reports.
INTERVENTION: A special magistrate will look into a Collier County teacher contract dispute, the Naples Daily News reports. The teachers have been protesting a 1 percent raise offer.
CHOOSING A GOVERNANCE SYSTEM: Osceola County voters will decide whether to have single-member school board districts this month, after groups threatened to sue for greater representation, the Orlando Sentinel reports.
GIVE THE MONEY TO SCHOOLS THIS TIME: Gov. Crist and the Legislature should make sure the revenue from new gambling deals adds to the education budget, and doesn't just replace existing funds as the lottery income has done, Florida Today editorializes.
BEING INNOCENT DOESN'T MATTER: Manatee teacher Maria Cropsey was found not guilty of altering FCAT answer sheets but she lost her job anyway, and now she can't find a new one, Herald-Tribune columnist Tom Lyons writes.
SEEKING A BETTER REPUTATION: Central High has been a place for potential dropouts to get back on track. But the alternative school has carried an image as being the home of bad kids. Now it's seeking a PR makeover, the Bradenton Herald reports.
WIN A TRIP TO CHINA: The St. Lucie school district is offering students a chance to win a trip to the Olympics through a multimedia contest sponsored by Panasonic, the Palm Beach Post reports.
DISTILLING DATA: The U.S. Department of Education has created a new information "dashboard" for each state to give the public a quick overview of how students are doing, the Washington Post reports. To see the DOE reports, click here.


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This folder contains correspondence and other documents relating to an explosion in January 1916 aboard the Navy's E-2 submarine in the Brooklyn Navy Yard that resulted in the death of five men. Included is a draft letter in Edison's hand to the Brooklyn Eagle, along with clippings from the New York Times, New York Herald, and other newspapers. Among the newspaper accounts is the testimony before a Naval Court of Inquiry of Lt. (later Vice Adm.) Charles M. Cooke, Jr., commander of the E-2; Lt. (later Adm.) Chester W. Nimitz, an expert witness on Cooke's behalf; and Capt. (later Adm.) George E. Burd, industrial manager of the Brooklyn Navy Yard. There is also a satirical poem from the Eagle critical of the Edison battery and the Navy's handling of the case. Related documents, including numerous letters attesting to the safety of Edison's batteries solicited from customers after the accident, can be found in E-16-08 (Battery, Storage -- General).
This folder also contains some items not directly related to the explosion, similar to the material in the "Battery, Storage -- Submarines" folders in previous years of the Edison General File. These include a letter written by Edison's chief engineer, Miller Reese Hutchison, one day before the accident regarding analyses of the gases in the E-2 conducted by the Bureau of Construction and Repair of the U.S. Navy Dept. Also included are instructions for the care and operation of the S-16 ("Navy Special") Heavy Duty Cells manufactured by the Edison Storage Battery Co. and a communication from Hutchison concerning competition from the Electric Storage Battery Co.
Approximately 90 percent of the documents have been selected. The unselected material consists of unsolicited correspondence that received no reply from Edison. Courtesy of Thomas Edison National Historical Park.


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We won't know for certain until Thursday, but THR.com has some news on CW schedule moves:
CW is said to have settled on launching the hot new drama "Vampire Diaries" Thursday 8 p.m., paired with "Supernatural." "Vampire Diaries" would replace the staple in the time slot, departing veteran "Smallville," whose final ninth season would air on Friday, probably at 8 p.m.
The network is set to unveil its fall schedule Thursday in New York.
"Vampire Diaries," about a girl in a love triangle with two vampire brothers, is envisioned as a new tentpole series for Thursday night where the network already has built-in sci-fi audience with "Smallville" and "Supernatural."
Meanwhile, "Melrose Place" will almost certainly be paired with "90210," repeating the launch pattern for the original "Melrose Place," which followed "Beverly Hills, 90210" on Fox in fall 1992.
With its setting — a co-ed residence of young models — new drama "Beautiful Life" is a perfect scripted companion for "America's Next Top Model" and is expected to launch after the hit reality series on Wednesday.
CW's solidly-rated Monday lineup of "Gossip Girl" and "One Tree Hill" is expected to stay intact.
more where that came from at THR.com.


text: New ADA coordinator surveys state agencies to measure needs, spread awareness By Mackenzie Mays July 28, 2012 Story Share Lawrence Pierce Kim Nuckles, who was named state ADA coordinator in June, stands at a wheelchair accessible ramp outside the capitol. CHARLESTON, W.Va. -- Do you know who the state Americans with Disabilities Act coordinator is?That's the first question on a survey sent to more than 100 state agencies across West Virginia this month to better familiarize them with the Americans with Disabilities Act.The answer is Kim Nuckles, a lawyer from Benwood, who took the position June 11."I plan to build this program from scratch and start out fresh with a new perspective. This survey will help me formulate a plan so that I can prioritize what's most important to the state," Nuckles said last week.She plans to implement a statewide program to assure compliance with the federal ADA. Results from the survey are required to be returned by Aug. 1. The data will be presented by Nuckles to the state Legislature during August interims."This is about opening the door for people with disabilities and making sure they are able to do everything we do," she said.Nuckles decided the survey would be her first plan of action as ADA coordinator because of a lack of awareness among agencies, their employees and members of the public when it comes to state disability laws."There isn't enough awareness. I wanted to say, 'Here I am. I'm accessible. If you have any questions, let's consult.' A lot of times, people don't even know who to contact for help," she said.Nuckles said her main focus is to serve as an effective liaison between state and federal agencies and the taxpayers. "There are some roles that the ADA coordinator by code and statute really should not be doing -- it's my job to tell them where they need to go. My biggest role is to say, 'Let me help you,'" she said.West Virginia has about 336,500 residents with disabilities -- that's nearly 19 percent of the population. Only about 28 percent of West Virginians with disabilities are employed, and the state has the lowest employment rate for individuals with hearing and mobility disabilities in the U.S., according to the Rehabilitation Research and Training Center on Disability Statistics and Demographics."I make sure that the code and laws are being followed and that people in employment are not being discriminated against, and if a person with a disability needs some sort of accommodation, and it's reasonable, I want to take a look and see if we can make that happen," she said.Nuckles hopes the survey will get agencies more familiar with ADA compliance codes before a problem arises instead of dealing with the consequences after the fact."I want to be proactive -- not reactive. People start a project not knowing they're not ADA compliant and it ends up costing more money to fix something that could've been done correctly in the first place," she said. "Sometimes it's a matter of an inch. A wide enough door for a wheelchair or the right size sidewalk can mean a lot to a person with a disability, and that means a lot to me too."Nuckles' next plan is to revamp the state's ADA website in a continued attempt to spread awareness. "The ADA is constantly changing. In 2010, the ADA accessibility guidelines were completely revamped. We've always had an amazing website, but I want to update it," she said. "It's going to be easy to use for anyone who is looking for accommodations."For information, visit www.ada.wv.gov.Reach Mackenzie Mays at firstname.lastname@example.com or 304-348-5100. Story Share Story Share Trending Now 1 DHHR: WV medical marijuana law will need $2 million in upfront costs 2 Gazette editorial: Is it time for health care for all yet? 3 WV Gov. Justice appoints Foster's replacement to House 4 Malfunctioning aircraft lands safely at Yeager Airport 5 WVU notebook: Holgorsen says injured players 'close' Poca concrete company uses trucks to raise awareness Previous Story Opening ceremony gives Olympics a rocking start Next Story


text:
Efficacy of QAX576 in Asthma
This study has been completed.
Novartis Pharmaceuticals
Information provided by (Responsible Party):
Novartis ( Novartis Pharmaceuticals )
ClinicalTrials.gov Identifier:
First received: May 24, 2010
Last updated: February 20, 2017
Last verified: February 2017
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
The purpose of this study is to investigate the efficacy of 24 weeks intravenous treatment with QAX576 in patients with persistent asthma not adequately controlled with inhaled corticosteroids and long acting beta2-agonists.
|Biological: QAX576 Drug: Placebo
|Phase 2
|Study Type:
|Study Design:
|Allocation: Randomized
Intervention Model: Parallel Assignment
Masking: Quadruple (Participant, Care Provider, Investigator, Outcomes Assessor)
Primary Purpose: Treatment
|Official Title:
|A Multi-center, Randomized, Double Blind, Placebo-controlled, 'add-on' Study to Investigate the Efficacy and Safety of 24 Weeks Intravenous Treatment With QAX576 in Patients (≥18-75 Years) With Persistent Asthma Not Adequately Controlled With Inhaled Corticosteroids and Long Acting β2-agonists
Further study details as provided by Novartis ( Novartis Pharmaceuticals ):
Primary Outcome Measures:
- Asthma Control Questionnaire [ Time Frame: 24 weeks ]
Secondary Outcome Measures:
- Incidence rate of clinically significant asthma exacerbations [ Time Frame: 24 weeks ]
|Study Start Date:
|May 2010
|Study Completion Date:
|April 2012
|Primary Completion Date:
|April 2012 (Final data collection date for primary outcome measure)
|Assigned Interventions
Experimental: QAX576
Biological: QAX576
every 3 weeks via intravenous infusion
Placebo Comparator: Placebo
Drug: Placebo
every 3 weeks via intravenous infusion
|Ages Eligible for Study:
|18 Years to 75 Years (Adult, Senior)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Male and female patients
- Female patients must be surgically sterilized or postmenopausal
- Male patients must use two forms of contraception
- Body mass index must be between 18 and 39 kg/m2
- Diagnosis of asthma for at least one year, which is not adequately controlled by inhaled corticosteroids and long acting beta-2 agonists
Exclusion Criteria:
- Smoking history >10 pack-years
- Patients with a diagnosis of chronic obstructive pulmonary disease (COPD)
- Patients who have experienced a severe asthma attack/exacerbation requiring systemic corticosteroids or an increase in maintenance doses, within 6 weeks of screening
- Patients who have had a respiratory tract infection within 6 weeks prior to screening
- History of schistosomiasis, within 6 months of screening, or traveling to a country endemic with schistosomiasis within 6 months of completing the study
Contacts and Locations
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the Contacts provided below. For general information, see Learn About Clinical Studies.
Please refer to this study by its ClinicalTrials.gov identifier: NCT01130064
Show 52 Study Locations
Please refer to this study by its ClinicalTrials.gov identifier: NCT01130064
Show 52 Study Locations
Sponsors and Collaborators
Novartis Pharmaceuticals
|Study Director:
|Novartis Pharmaceuticals
|Novartis Pharmaceuticals
More Information
Additional Information:
Keywords provided by Novartis ( Novartis Pharmaceuticals ):
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on September 19, 2017
Additional Information:
|Responsible Party:
|Novartis Pharmaceuticals
|ClinicalTrials.gov Identifier:
|NCT01130064 History of Changes
|Other Study ID Numbers:
2009-011590-32 ( EudraCT Number )
|Study First Received:
|May 24, 2010
|Last Updated:
|February 20, 2017
Keywords provided by Novartis ( Novartis Pharmaceuticals ):
Additional relevant MeSH terms:
Bronchial Diseases
Respiratory Tract Diseases
Lung Diseases, Obstructive
Lung Diseases
Respiratory Hypersensitivity
Hypersensitivity, Immediate
Immune System Diseases
ClinicalTrials.gov processed this record on September 19, 2017


text:
Today the Samsung Galaxy Chat B5530 device's owners can update their device with the latest official version of Android 4.2.2 Jelly Bean named XXUBMD2 firmware version. This latest version was released by Samsung and comes to fix all the bugs and issues existent on its old versions,there where reported bugs related to the camera and overheating issues. Additionally, the Android 4.2.2 firmware brings with a lot of new features and new capabilities such as Touch Wiz of Nature UX user interface.
You need to know that this firmware is official firmware released by Samsung and this tutorial will teach you – how manually apply it on the Samsung Galaxy Chat B5330 device during a step by step guide. So, before to move of our installation guide you need to follow some prerequisites first and a list of guidelines that are required to be followed before to starting the flashing process.
- This tutorial is released to update the device with stock firmware only and won't root it.
- Backup all your personal data and applications stored and installed on your Samsung Chat B5530 device. Do not use the KIES app or ROM manager for getting the backup.
- For saving the SMS, you can use the SMS Backup and Restore application from Google Play Store and our tutorial from here.
- For syncing your contacts, (sync your contacts with Gmail application).
- For doing a full backup for your data and applications stored on your device you can save them in the cloud or locally, by using our tutorials for that.
- Save call logs by using the call Log and Restore application.
- Note down from the following path: "Applications > Settings > Wireless and Network > Mobile Networks > Access Point Names" the APN settings and MMS configuration.
- Enable the USB Debugging Mode from the following path "Settings > Applications > Development > USB debugging".
- Charge your device's battery to have more than 60% power left on it; otherwise you can take a risk to receive a forced power off during the installation process.
- Remember that:The Android.sc Team provides all these instructions and information only for educational and instructional purpose. So, do not blame us if something goes wrong, damage your smartphone or you'll lose any data during the installation process. Just in case you need more help or you have supplementary questions about our article, please use our comment section and we will try to find the optimum solution for your issues.
- Use this article and all instructions listed here only with Samsung Galaxy Chat model no B5330 carrier unlocked.
How to Manually Update the Samsung Galaxy Chat B5330 with official Android 4.1.2 Jelly Bean XXUBMD2 Firmware:
- Download the Android 4.1.2 XXUBMD2 from here.
- Download the ODIN app from here.
- Once the download of both files is done save them in your PC.
- Open Odin app in your PC
- Power off your Galaxy Chat device.
- Boot it into the Download Mode, to do that press and keep holding the Volume down and OK button in the same time, with these two buttons pressed press the Power Button. When a warning message is displayed press on the Volume Up button to entering the Download Mode Menu.
- Now, with the device entered in its Download Mode, connect your Galaxy Chat B5330 device to the PC with its original USB cord.
- Look Odin interface and there you need to see that the ID : COM zone will be colored Yellow, that thing confirm you that the USB drivers are correct installed, and you can begin the flashing process.
- Do not make other changes in ODIN interface, let the default settings.
- Now, click on PDA button and browse and load the .tar file from the extracted update firmware file.
- When you're ready you can begin the flashing process with a click on START button from ODIN app.
- Now, wait to complete the flashing process by ODIN app and when the smartphone will be rebooted automatically, that thing indicates that the firmware update has been applied with success.
Troubleshooting tips:
If your smartphone entering into boot loop, or the ODIN is frozen or says gets stuck when the welcome screen should be displayed, remove the its battery and then wait 5 seconds and reinsert the battery in its place. After you've reinsert the battery, redo the mentioned guide from the beginning.
Congratulation, you've successfully learned how to update your Samsung Galaxy Chat B5330 with Official Android Jellybean 4.1.2 XXUBMD2 firmware.
Let us know in our comment section if this latest firmware is what you 've expected from Samsung update.