text:
Mark Deutschmann came to Nashville in the mid-1990s with a background in zoology and marine biology, but real estate caught his interest. He began working in Hillsboro Village, where the average home price was between $60,000 and $110,000. Today, it's closer to $550,000.
Deutschmann also came to Nashville with the idea that density was better.
"It's better for us as humans to come in and live closer together as opposed to sprawl and take up wilderness," he said.
That belief is evident in his development work, which stretches from 12South to East Nashville and is defined by small homes close together and projects with a mix of residential, retail and office. In Wedgewood-Houston, for example, his team is developing a complex geared toward artisans, a group who has lived and worked in the neighborhood for years.
But creativity brings cachet, and many worry it won't be long until urbanites with deeper pockets change the neighborhood's demographics.
How do you describe the current state of Nashville's growth? Back in 1995, on 12th Avenue South, we were talking about reinhabiting the city, as what is now 12South was 70 percent vacant and apparently undesirable. … I consider it reinhabiting the neighborhood commercial districts and bringing back the owner-user as opposed to the absentee landlord.
What's at stake here? Nashville has now embraced its urban neighborhoods, a trend that is happening across the country. … The downtown, and all inner-ring neighborhoods, are in play. This puts pressure on pricing, which drives up land costs. Developers are currently responding to high land prices on the corridors by building 200-plus-unit apartment complexes with high rent prices. This is good, on the one hand, because urban density on the corridors is desirable. Pricing becomes higher in the contiguous neighborhoods, and families that own homes are cashing out — which is both good, as that family has created wealth, but bad, because they will now be looking elsewhere to find affordable options, which now might be suburban.
Read full article here.


text:
Property NSW privacy statement
This website is maintained by the Corporate Affairs branch within Property NSW, a division of the Department of Planing, Industry and Environment. This Privacy Statement applies to all the publicly accessible pages on this site located at www.property.nsw.gov.au and relates to the entities within Property NSW:
- Property NSW
- Place Management NSW
- Teacher Housing Authority
- Waste Asset Management Corporation
Property NSW does not have any responsibility for the privacy policies or practices of third party sites linked to this this. If you have any questions about this site, or the application or this Privacy Statement or a request for access to information, please contact:
Public Access to Information & Privacy Unit
GPO Box 39
Sydney NSW 2001
E: firstname.lastname@example.com
Users of this site are entitled to expect that any information collected as a result of that use will be treated within the terms of the NSW Government's privacy responsibilities and obligations. The NSW Government's privacy practices are regulated by the Privacy and Person Information Protection Act 1998 ("PPIP Act").
What information do we collect?
When you look at the pages on this site, certain information is automatically collected:
- the Internet Protocol address of the machine which has accessed it;
- your top-level domain name (for example .com, .gov, .au, .uk etc);
- the address of your server
- the date and time of your visit to the site;
- the pages accessed and documents downloaded;
- the previous site visited; and
- the type of browser and operating system you have used.
"Cookies" are small pieces of text data that a web server can store on, and later retrieve from, a user's computer. They do not personally identify you, but do identify your browser. Cookies can either be 'persistent' or 'session' based. Persistent cookies are stored on your computer contain an expiration date, and may be used to track your browsing behaviour upon return to the issuing web site. Session cookies are short-lived, are used only during a browsing session and expire when you shut down your browser.
How we collect information
We may collect personal information directly from you or an agent (such as a solicitor) acting on your behalf, to the extent necessary to maintain public registers, meet associated statutory obligations, or to carry out our internal administrative operations.
We may also collect personal information when you deal with us over the telephone, ask us to contact you after visiting our website, have contact with us in person, or ask us to provide you with, or give you access to, a particular service or product.
The type of personal information we collect from you may include name, address, contact details (including phone and e-mail) and information collected as a result of you dealing with Property NSW.
Is the information stored securely?
Information collected is stored in an appropriately secure format and held by Property NSW, and the Department for archival purposes and in line PPIP Act obligations.
Property NSW takes reasonable steps to protect your personal information from loss, misuse, unauthorised disclosure or destruction. We have in place generally accepted standards of technology and operational security to keep your personal information safe.
Our Code of Conduct prohibits employees looking at, recording, or disclosing personal information about you except in the performance of their duties.
How we use your personal information
How do we use the information collected?
The information automatically collected during each visit is aggregated with similar logged information and published in reports in order for Property NSW, and the Department to identify patterns of usage of the site. This will assist us in improving the site and the services offered on it.
Property NSW, and the Department will not disclose or publish information that identifies individual computers, or potential identifies sub-groupings of addresses, without consent or otherwise in accordance with the Privacy and Personal Information Protection Act 1998.
We may use your personal information for the purpose for which it was collected, for other directly-related purposes (for example, supporting state economic and social development and the efficient planning and provision of property services to the NSW Government), or other purposes required by law, unless you otherwise consent.
Property NSW, and the Department will collect, use and disclose more extensive information than stated above in the following circumstances:
- unauthorised attempts to access files which are not published in Property NSW, or the Department pages;
- unauthorised tampering or interference with files published on the site;
- unauthorised attempts to index the contents of the site by other sites;
- attempts to intercept messages of other users of the site;
- communications which are defamatory, abusive, vilify individuals or groups which give rise to a suspicion that an offence is being committed; and
- attempts to otherwise compromise the security of the web server, breach the laws of the State of NSW or Australia, or interfere with the enjoyment of the site by other users.
Property NSW, and the Department reserves the right to make disclosures to relevant authorities where the use of this site raises a suspicion that an offence is being, or has been committed.
We will take reasonable steps to ensure personal information that we keep is accurate, up-to-date, and relevant to the purposes for which it is to be used.
However, you should note that there are situations where we are required by legislation to disclose your personal information, or may be compelled to provide personal information about you to law enforcement agencies, emergency service agencies and other organisations engaged in the planning and provision of services to the community.
Property NSW, and the Department may publish aggregated information about feedback, to the extent that it does not identify or cannot be used to identify individual users.
Who else has access to information?
Property NSW entities are a division of the Department of Planning, Industry and Environment. The information collected may also be accessed by the Department.
Access to your personal information in accordance with the PPIP Act
You may apply to us in writing to provide you with details of the personal information about you that we hold.
If you find that the personal information we hold about you is inaccurate, incomplete or out-of-date, please contact us and we will take reasonable steps to ensure our records are corrected or appropriately noted.
Disclosure of your personal information
We will not disclose your personal details unless the disclosure is authorised by the PIPP Act and Regulations. Your consent to disclose information for particular purposes may be sought by us or given by yourself for a specific purpose. If appropriate consent is not provided, we may not be able to provide certain products and services to you or your agents.
The PPIP Act establishes complaints mechanism in relation to privacy.
An internal review is a process where Property NSW, and the Department handles complaints about how it has dealt with personal information. Part 5 of the PPIP Act establishes guidelines for conducting an internal review. You can apply for a review of our conduct if you believe we have breached an information protection principle or a code of practice that applies to this agency. The stages of our internal review process are:
- Written applications for an internal review must be lodged within six months of you becoming aware of the alleged breach. We must make a determination on internal review applications within 60 days of receiving the application.
- We will advise you of the determination and any subsequent action to be as soon as practicable within the date of the determination being made.
- If you are not satisfied with the result of the internal review or how we handled the review, you can seek further review from the NSW Administrative Decisions Tribunal.
You may also choose to contact the Privacy Commissioner directly concerning your complaint on T: 02 8019 1600 or writing to:
The Privacy Commissioner
Privacy NSW
GPO Box 7011 Sydney NSW 2001
Further information on privacy
Further general information on privacy matters affecting the NSW Public Sector can be obtained from:
The Privacy Commissioner
Privacy NSW
GPO Box 7011 Sydney NSW 2001
E: email@example.com
W: www.lawlink.nsw.gov.au/privacynsw
Or in relation to appeal processes:
The Administration Decisions Tribunal
Level 15, St James Centre
111 Elizabeth Street
Sydney NSW 2001
Toll free: 1800 060 410
W: www.lawlink.nsw.gov.au/adt
Legal disclaimer
Information contained herein is of a general nature and is not intended to address the circumstances of any particular individual or entity. Advice from a solicitor, or appropriate adviser, should be sought if there is doubt as to the applicability of this information to your individual circumstances.

subset: commoncrawl


text:
|Campaigning for a fair deal on behalf of police pensioners
Welcome to NARPO ( Merseyside branch )
Nationally membership is made up of retired police officers from all police forces throughout England, Wales and the Isle of Man, together with their spouses, partners, widows and widowers. From an initial membership of 3000 the Association has grown and now embraces 125 Branches with a total membership of over 76,000. It is the only organisation that exists to protect the rights of police pensioners.
Locally the Merseyside Branch has a membership consisting of over 3200 full members including life members, members and widows
The range of benefits that membership confers includes:
View our Privacy Policy and our terms and conditions and our data protection policy
Our latest news
Join us online
Copyright 2012 N.A.R.P.O. All rights Reserved. Website Design by WebCreationUK.


text:
Listings in Store Cupboard
Tideford Organics
in Vegan Foods, Store Cupboard
Having cooked organic gluten-free food for over 20 years, we've decided to take our love of veggies to the next level. We're now totally, deliciously vegan. Everything we make is free from meat, dairy, nuts and gluten.
United Kingdom
Primrose's Kitchen
in Store Cupboard, Gluten Free Foods
We make 100% natural superfoods, gluten free muesli, granola, nut butter and more, made in the heart of Dorset. We lovingly create wholesome superfood that nurtures the soul and respects the planet. We only use the purest organic ingredients.
United Kingdom
Divine Chocolate
in Store Cupboard, Confectionery
Divine Chocolate is made with the finest cocoa from farmers in Ghana who co-own the company and because the cocoa is Fairtrade they get a guaranteed income and you get guaranteed pleasure, so everyone's sweeter!
4 Gainsford Street
London SE1 2NE
United Kingdom
Equinox Kombucha
in Soft Drinks, Store Cupboard
Equinox Kombucha is the healthy alternative to sparkling soft drinks that you've been waiting for. It's known for being full of naturally occurring vitamins, acids, and beneficial bacteria. Our drinks are raw, organic & unpasteurised,
United Kingdom
in Store Cupboard, Vegan Foods
Clearspring is a family-owned business and for over 25 years we have been committed to pioneering authentic Japanese specialities and organic fine foods. We are proud to bring to you our award-winning range that is enjoyed around the world.
19A Acton Park Estate
United Kingdom
Review this
Blue Goose Coffee
in Store Cupboard, Tea and Coffee
Blue Goose Coffee® has matched its ethical approach and eco capsules with coffees that taste wonderful, so you can experience barista-quality coffees in the comfort of your own home. Blue Goose Coffee pods prove how good capsule coffee can taste!
United Kingdom
The Culinary Caveman
in Store Cupboard, Natural Health
After years of research it is has been found that the modern diet, dominated by processed foods, is deficient in a number of essential nutrients. The Culinary Caveman Powders have been developed to revitalise re-harmonise & balance the human organism
United Kingdom
Vivo Life
in Vegan Foods, Store Cupboard, Natural Health
Our mission here is simple. To make 100% plant based health and fitness products, to help you look and feel awesome without costing the earth. No artificial colours, flavours, fillers, binders, skinny teas, diet pills and false promises.
United Kingdom
Suma Wholefoods
in Vegan Foods, Trade, Store Cupboard
Suma is the UK's largest independent wholefood wholesaler/distributor, specialising in vegetarian, fairly traded, organic, ethical and natural products. We have a wide range of Suma branded products from Fairtrade beans to organic Italian pasta.
Lowfields Business Park
Lacy Way
Elland, West Yorkshire HX5 9DB
United Kingdom
Review this
Big Barn
in Store Cupboard, Natural Snacks, Food Boxes
BigBarn CIC, the UK's leading local food website, is known as 'the Amazon of local food'. The mission is to reconnect consumers with their local producers and encourage trade and communication. One map that everyone uses and shares!
United Kingdom


text:
Did you know that women have become the fastest-growing segment of the incarcerated population? I wasn't aware of this fact nor did I understand that more than two-thirds of women incarcerated in the U.S. have a mental illness. Practicing mindfulness in prison can help inmates cope with the stress they encounter every day.
I am a volunteer at York Correctional Institution, Connecticut's only prison for women. My training as both an MBSR (Mindfulness-Based Stress Reduction) teacher and spiritual counselor have prepared me for this work. What I've learned so far is that women are constantly coming and going so it's difficult for me to have a lasting impact.
I've come up with an idea the counselors love. Tonight, the eve of July 4th, I'm here to kick off a Mindfulness Champion program designed to empower inmates to support one another. I'm wearing no makeup and my hair is in a high bun. I consciously choose to wear my Punjammies lounge pants from Sudara. Baggy clothing helps me fit in and I want to wear that which supports my intention.
I arrive at the gate and present my ID. I advance to the first building and exchange my driver's license for a temporary badge. I am escorted to another building to sign in. Then I proceed to the actual building where the women are. This takes about 30 minutes.
I meet the counselor on duty. I discover the materials I've sent have not been printed. The printer isn't working so we do not have enough copies for all the participants. I feel a wave of panic as I quickly come up with a new plan. We head to the gathering room where 36 women have signed up for my program.
I invite the women to share their experience with mindfulness. Their comments provide a springboard to teach this practice. Then I lead a meditation. We form a connection in the moment that is palpable to us all. I ask if anyone would like to lead a meditation. Ten brave hands go up. I provide them with a meditation script and ask the women to form small groups. The leaders quietly deliver their scripts while the members of their groups follow along.
I've been teaching mindfulness for over 20 years and this is perhaps the most precious of my experiences. They are heartfully engaged, open, and trusting this process. I am the lucky one who stands as witness to this powerful moment in which I believe growth is possible. I thank the women and praise them. They are clapping and smiling. The room is filled with love.
May you do more of whatever it is that provides you with a sense of spiritual well-being.
Thrive on!


text:
Reviews For dr. brandt Collagen Booster
Great product
I like the way the serum goes on (non-greasy) and it only takes a small amount per application. I used it once a day under moisturizer. Skin felt/looked smoother. I am on my second bottle now!
LovelySkin Customer
Verified Purchase
Keeps my skin youthful
Ive been using this for over a year in the evening (too expensive to use 2x day and wasnt necessary). After cleansing skin I pat a small amount on my face and it dissolves into my skin - acts like a tunnel thru which I then add my moisturizer. I especially like the new DNA by Dr. B. Again, I pat it with finger tips -- no use rubbing the expensive cream into my hands :) ... My skin is definitely smoother and NO lines (Im in my 60s and look about 50). I tried the sample pumpkin clay masque by LovelySkin and love it...will probably buy it when I finish my other (I also love it but Nature Bisse is mega expensive).
LovelySkin Customer
Verified Purchase
Review Summary
Have you purchased this product? Write a Review


text:
Help Center Article "Visible to" missing Orgs.Answered
Several of my orgs are missing from the drop-down list when selecting which orgs my article is visible to. Searching for the org in the search option yields no results. I've attempted to save the article as draft, reload the page and log out and back in, none of which have corrected the issue.
5 Comments
Hey Jason,
If you're attempting to restrict an article to only users within a specific organization you will first need to create a User Segment that will include users within that organization.
Once you've created your user segment you can then apply that user segment to the article as referenced in our Setting view permissions on articles with user segments article.
I hope this helps!
Hi Brett,
I've already setup the user segments and am familiar with how to manage the article's restrictions. The issue is that the desired Org isn't showing up in the options.
Hey Jason,
Thanks for the clarification. I may need to bring this over into a ticket so our Support team can troubleshoot with you. Before doing so, have you tried opening up your Support account in a Chrome Incognito window are these user segments still missing?
Additionally, when searching for the org/user segment can you confirm you're doing a complete search by entering the full user segment name in the visible field? It looks like currently you must do a full search as partial searches do not currently work in the visibility field.
Let me know!
Hi Brett,
I was able to find it by typing in the full "Signed-in users (org:uniqueNameHere)" instead of just the UniqueName.
Appreciate the update Jason!
I know our team here is looking into better search options for the visibility field but I can confirm that this is expected behavior in its current state.
Glad you were able to locate your organizations :)
Please sign in to leave a comment.


text:
Though his summer romance with Taylor Swift ended months ago, actor Tom Hiddleston only has wonderful things to say about his famous ex-girlfriend.
In the new issue of GQ, Tom said, "Taylor is an amazing woman. She's generous and kind and lovely, and we had the best time."
Some speculated that the relationship was a publicity stunt, but Tom argued, "Of course it was real."
During their three months as a couple, Taylor, 27, and Tom, 35, were spotted traveling the world together and meeting each other's families, with the cameras following their every move. Despite wanting a normal relationship, their fame made it difficult for them to make it work. He explained, "We decided to go out for dinner, we decided to travel… She's incredible. [But] a relationship in the limelight… A relationship always takes work. And it's not just the limelight. It's everything else."
Tom also defended his choice to wear that infamous "I ♥ T.S." tank during a July 4 bash at Taylor's home. He revealed, "The truth is it was the Fourth of July and a public holiday and we were playing a game and I slipped and hurt my back. And I wanted to protect the graze from the sun and said, 'Does anyone have a T-shirt?' And one of her [Swift's] friends said, 'I've got this.'" Once he saw the shirt, he and Taylor's friends "laughed about it. It was a joke."
Even though Tom thought it was a funny joke at first, the pics of him in the tank top made headlines. As for his reaction to the media frenzy, he said, "A relationship exists between two people. We will always know what it was. The narratives that are out there altogether have been extrapolated from pictures that were taken without consent or permission, with no context. Nobody had the context for that story. And I'm still trying to work out a way of having a personal life and protecting it, but also without hiding. So the hardest thing is that that was a joke among friends on the Fourth of July… I just, I was surprised. I was just surprised that it got so much attention. The tank top became an emblem of this thing."
Looking back on the short-lived relationship, Tom wouldn't change a thing "because you have to fight for love. You can't live in fear of what people might say. You know, you have to be true to yourself."
For more on Tom, grab a copy of GQ's March issue, out on newsstands February 21.


text:
Nope, still alive 8-) I " Die Hard "
been on holiday, so havnt spoken much
Well they started building the house and I came to them when they were done with the shell of the house. I got to pick flooring and coloring and such, I'm also having the basement finished just to get that done with. But yeah the home should be finished in the beginning of August as far as I know they're doing the final stuff in the basement now...
well actually I'm leaving an apartment, but yeah with the new home I'm a bit anxious. At least the builder tells me everything is on schedule and the bank has told me the only thing left is getting the title done and the appraisal which can't happen until the home is compete but I'm not overly worried
I've been busy in real life - I'm closing on a house - the closing date is august 15th
goodish and with you?
Youuuu bet
Wildor used to be a moderator and forum dweller It's an old example


text:
Nottingham Forest are pleased to announce a brand new competition, exclusive to all Little John's Juniors.The winning entry will have the chance to come down to the training ground on Thursday 24 October to meet and have photographs with some of the Nottingham Forest first team players.
To enter this competition all you need to do is let us know why you are a huge Nottingham Forest fan. Your entry could even feature on the Nottingham Forest website or in a matchday programme!
The closing date for this competition is Friday 18 October at 5pm. After that date the Nottingham Forest first team captain, Chris Cohen, will choose the winning entry. All entries must be either emailed to email@example.com or posted to: Marketing Department, Nottingham Forest Football Club, The City Ground, Nottingham, NG2 5FJ.
Please note: Maximum of 50 words per entry, one entry per member.


text:
I have put together a script which is very much like the flickr photostream feature. Two thumbnails next to each other, and when you click the next or prev links the next (or previous) two images slide in. Cool!
Currently when the page loads it loads the two images. The first time nxt / prv is used then the next two images or previous two are loaded via ajax, with the id of the first image being passed in the url and the HTML for the two new images returned and displayed via ajax.
simple enough, but it got me to thinking, on a slow connection, or heavy server load then the two images, although relatively small thumbnails could still take a while to load, and the nice things with sliding panes is the fact that the hidden data slides in quickly and smoothly preferbly without a loading delay.
So I was wondering from a performance and good practice point of view which option is best, this is what I can think of for now, open to suggestions.
1, call each set of images via JSON (its supposed to be fast?)
2,load all the possible images into a json file and pull in the details that way - although browser will still have to load image. Plus sometimes there might be 4 images, other times there could be upto 1000!
3, Load 10 images via php into a Json or other file, and load all 10 images into the browser hiding the 8 which are not on show, and always showing the middle two. Problem here is that each time someone clicks, the file has to reload the first and last images, which still takes up time, although i suppose the middle images will have all been cached via the browser by now though. But still there is a loading time.
4, Is it possible to have a json image with all the image details (regardless of numbers) and use no 3 above to load 10 of those images, is it possible to use ajax to only read 10 lines and keep a pointer of the last one it read, so the json file can be loaded fast, short refresh and images either side are cached via the browser!!
Hope thats clear, any suggestions on how you would handle this?


text:
England Deliver Below Par Performance Against Turkey
England were well below par in yesterdays friendly against fellow Euro Championship qualifiers Turkey at the Etihad Stadium, but they did find a way to dig out a win as they scored a late goal to make it 2-1 on the evening.
Of course the team they started with will not be the team that starts in the Euro`s as the Manchester Utd and Liverpool players were missing, all the same I think all England fans expected a better performance as the old defensive failings reared their ugly head.
They started the game very well indeed and were 1-0 up after around 3 minutes of play when good link play between Sterling and Alli set up Harry Kane for an easy side foot finish although to be honest he was a yard offside and the assistant referee really shouldn`t have missed such an obvious one.
But the lead didn`t last very long at all with Turkey looking very dangerous going forward and the England defence at sixes and sevens. Good build up play led to Joe Hart coming off his line when he probably should have stayed put and the ball was slipped past him to allow an easy finish.
Joe Hart did pull off some good saves as the game progressed and there is no doubt he will be the No 1 at the Euro`s but the defence was too easily breached by a team who will not be serious contenders in next months tournament.
John Stones may be our best centre half by 2020 but at present he should be nowhere near the England team, he is a ball playing centre half who has not yet fully learned the art of defending. Cahill is first choice but is nowhere near in the same class as John Terry when it comes to defensive duties.
The two full backs Kyle Walker and Danny Rose performed well, particularly Rose who was man of the match. In midfield Eric Dier patrolled the defensive midfield areas but he may need more help plugging the gaps against better opposition. Jack Wilshere and Dele Alli were the other two in midfield which left the team a little lightweight I felt in there as they were too easily bypassed.
Upfront Harry Kane and Jamie Vardy look a serious partnership, Vardy scored the winner following in a Cahill header from a corner and he also won a penalty which Kane blazed wide. But Raheem Sterling has gone backwards and I wouldn`t even have him in the squad.
It will be interesting what team Roy Hodgson puts out against Australia on Friday and if there is improvement.


text:
German immigrants originally settled in NYC starting in the 1840s in the Lower East Side in a neighborhood that became known as "Little Germany." As new immigrant groups came to NYC, the Germans moved out to the boroughs and on the Upper East Side in the Yorkville neighborhood. There isn't much left to the German Yorkville of old. It's no surprise, as neighborhoods in NYC change with each new influx of immigrants. However, if you visit, there are some places to check out and enjoy old world German charm.
Your first stop is Glaser's Bake Shop, a family-owned bakery since 1902 on 1st Avenue and 87th Street.
What started as a bread bakery turned into a pastry shop with German classics. Today, the bakery has doughnuts, cakes, turnovers, muffins, seasonal bakery items, challah and more. I got a jelly doughnut with granulated sugar, a butter danish, a cheese danish and crumb cake.
The crumb cake here is buttery soft with large, buttery crumbs on top and a fresh, soft cake.
Nearby is St. Joseph's Church, a Roman Catholic Church founded in 1874 for the local German population, that still has masses in German.
After some delicious baked goods for breakfast, head over to Carl Schurz Park on East End Avenue from 84th Street to 90th Street to walk off all those carbs. Carl Schurz Park was named after Carl Schurz, the German-born Secretary of the Interior in 1910. It's also the site of Gracie Mansion, which is open for tours.
After your walk through the park, back to German Yorkville. Schaller & Weber, a family-run butcher shop since 1937 on 2nd Avenue and 86th Street, is the place to do some shopping. You can get a variety of German cold cuts and liverwursts, spatzle and German products.
If you don't want to cook for yourself, head down a few doors to the Heidelberg Restaurant, est. 1936, for authentic German food in a charming atmosphere. The bratwurst here is the best I've had in the U.S.
What to Eat: crumb cake from Glaser's Bake Shop, bratwurst from Heidelberg
Where to Shop: Schaller & Weber
What to See: Carl Schurz Park


text: Colin Wilbraham and his wife Stephanie are the joint owners of the business. They switched to Aldermore after having trouble with a previous supplier and having heard good things about Aldermore from professional contacts. Hartham Foods use their invoice finance facility to free up cash flow to buy directly from wholesalers. This ensures they buy in big enough quantities to remain ahead of the competition on price and to cater to the increasing demand they are seeing from Europe and China. Colin Wilbraham, Managing Director of Hartham Foods said: "Our business is going from strength to strength branching into new markets across the globe. At this important time in the company's growth, I needed a finance facility that enabled me and my family to get on with running the business without having to constantly chase the provider. Aldermore has enabled us to do that; we concentrate on expanding our business and the invoice finance facility just runs in the background with minimal effort on our part. "My relationship with Aldermore is a new one but so far it has been excellent, they knew what I wanted from the off and got it done." Richard Whitehouse, Regional Sales Director for London & South East at Aldermore added:"We instantly saw the potential in Hartham Foods, it is a strong company with a strong future. Its business is simple and the whole family have a passion and flair for what they do. "It's great that Aldermore can support enterprising family businesses like Hartham Foods by providing simple and efficient access to funds when they need it." **ENDS** For further information, journalists can contact: Christina Bridge email@example.com 0207 947 5317 For further information about Aldermore, our financial backers and our PR contacts, please review our Notes to Editors page.


text:
Process is good, but…
To be clear—I'm a big believer in process discipline! The importance of and evidence for strong process discipline is all around us! I was on an airplane this weekend and happened to peek into the cockpit while boarding. The pilot and co-pilot were going through their pre-flight checklist. It was comforting to be reminded that they do this—every flight! I was with a family member in hospital yesterday. About 5 or 6 different nurses, doctors and specialists came into the patient's room while I was with her. Each one of them followed a process involving thorough hand washing, checking the patient's wrist band, asking her who she was and why she was there, checking her charts (now computerized, for even better process management.) I've been on many consulting engagements where we helped a client re-engineer major business processes, and the financial benefits the client experienced were significant.
Good process helps prevent errors. Good process helps drive efficiency. Good process ensures consistency. Process is good.
Not all activities are process-centric!
I was recently reminded that too much reliance on process can, for some types of activity, be a trap. It can create a false sense of confidence that something will work well, when it fact it won't.
A recent exchange on the Business Relationship Management Institute (BRMI) member's Online Campus prompted this post. One of the Special Interest Groups had started a discussion thread about goals for 2016, and several members were talking about their plans for implementing Demand Management Processes. One member noted his concern that the discussion had a very strong process-centric spin to it, with the implication that if you have a robust Demand Management Process, business value realization would increase significantly and the Business Relationship Managers would be heroes!
The individual's observation was insightful. Much of the discussion was process-centric, and that can be a trap. When my co-founders and I began formalizing the BRM role through BRMI (and my work in BRM training and development over the last 20+ years) it was often a struggle to get beyond the process-obsession of IT professionals. The need for strong process discipline in IT is important and valid. But not for all types of work.
Let me present a couple of lenses through which to determine the degree of process-centricity appropriate to a given context and type of work.
The Value Disciplines
Back in 1997, in their book, The Discipline of Market Leaders, Treacy and Wiersema presented their hypothesis about value disciplines and market leadership. The Value Disciplines were:
- Operational Excellence (which was all about process discipline)
- Customer Intimacy (which was all about relationship discipline)
- Product Leadership (which was all about innovation discipline)
The role of Business Relationship Manager (BRM) is optimized for the relationship discipline, both in terms of how it is aligned with business units (or, in some cases, end-to-end business process, or in other cases geography or brand) and in terms of the BRMs skill set.
In my research last year into BRM time allocation, I found that BRMs were spending too much time on process-disciplined activities and too little time on relationship and innovation disciplined work. I argued that the BRM role was largely 'invented' to put people into a role where relationship was the focus. That does not mean ignoring process or innovation, but it means the role is deliberately optimized for relationships. Process-centric work such as infrastructure operations and Service Management should be handled in a process-centric way. That is why process libraries such as ITIL exist.
Henry Mintzberg on Standardization of Work
Back in 1992 in his book Structure In Fives: Designing Effective Organizations, Henry Mintzberg describes coordinating mechanisms and the relationships between 'bureaucratization' and 'decentralization.'
- Some work activities demand standardization of work processes (e.g., systems development.)
- Some work activities demand standardization of outputs (e.g., project management.)
- Some work activities demand standardization of skills (e.g., relationship management.)
In reality, most roles comprise a mix of these types of work activity, but getting the mix right is most important. A brain surgeon spends far more time developing her specialized skills, and is little concerned with process (except at a very high level—e.g., make sure the the patient is appropriately anesthetized before removing top of skull.) The architect is highly concerned with plans and diagrams, and less so with process. The designer of a production line is highly concerned with work process and less so with the need for years of post graduate training, internships and residencies.
So, my colleague's caution to his fellow interest group members is well taken. Demand Management happens through strong, trusting relationship networks, with an outstanding ability to recognize true sources of value, and then to influence and persuade those creating demand to appreciate and pursue the high value opportunities. A little dose of process can help, but it won't substitute for the right relationship skills!


text:
Betsoft Gaming has been around since the late 90's and has developed an impeccable reputation since that time. When you think of Betsoft, the first and only word that should come to mind is quality, quality, quality. Betsoft takes pride in the fantastic quality they offer through their products, most notable of which is the graphics.
You will be hard pressed to find any mention of Betsoft Gaming online, on a forum or review without finding mention of their cinematic quality 3D graphics. It is these 3D graphics they spend so much time on that has become the cornerstone of their reputation and is the primary reason why their games are so sought after.
Betsoft Casinos
Betsoft has an associate certificate from the Gambling Control Commission in Alderney which qualifies them as a fully licensed online casino, able to operate in numerous countries around the world. They have also gone to great lengths to remain compliant with all the laws and regulations from the various jurisdictions they trade in as well as to offer a safe and fair gaming environment to the end user.
To this end they have been awarded the Official Certification of Evaluation for the Random Number Generator (RNG) used by their games from the Technical Testing System (TST). This is also the most coveted certification from any accreditation company.
Betsoft History
Betsoft started their journey to greatness in 1999 and has grown from a small single entity to a large company with multiple successful partnerships. They became part of the NYX group in October 2010, a large group of companies in the casino industry. This not only gave them better financial security but also a range of experience from the numerous individuals that form part of this group.
In November of that year they also signed a deal to supply Bet365 Casino with their top quality games and software. Bet365, some may know is one of the largest and most respected online casinos in the world. They were certified by the Alderney Gambling Control Commission before 2012 although it's difficult to confirm the exact date as they do not provide these details.
Today, they have a gaming library of over 100 titles and are constantly producing more to add to that list. In 2012 they were nominated in the Best Online Products category at the ICE Totally Gaming 2012 Awards ceremony. Although missing out on the big prize they managed to become a finalist in this category. Later in that year they released 30 games at the Bovada Online Casino in North America which meant that US players were finally able to enjoy their offerings as well.
In 2017 they entered a new partnership with HDFBET.
Betsoft Games, Features and Services
As a base framework for their gaming products, Betsoft has introduced The Shift. The Shift is a desktop games platform that allows unified development in HTML5. When signing with a new operator, they also provide said operator with this platform which allows them to seamlessly integrate existing and future games into their system.
This system makes it easier to support various currencies and languages to offer convenience to their operators from all around the world. They also offer additional versatility in a branding option on table based games. This results in ease of use, better performance, enhanced security and a better overall gaming experience for everyone involved.
Betsoft has released their well known collection of Slots3 games which uses a wide range of themes to draw in all manner of players. Their Slots3 games are also known for the 3D graphics they offer which has been integrated into every aspect of the game from the characters to the symbol designs.
Betsoft also has a vast number of mobile games, they call their ToGo games line. These games also uses the Slots3 technology to bring unequaled quality to your mobile phone or tablet. These games are highly optimized and function perfectly on all modern iOS, Android and Windows Phone devices. Betsoft has built these games to perform well while not sacrificing anything compared to their online counterparts.
Apart from their slot games, Betsoft also offers various other game categories. The table games are among their other popular offerings and below is a list of some of their available games.
- American Roulette
- European Roulette
- American Blackjack
- European Blackjack
- 3 Card Rummy
- Triple Edge Poker
- Red Dog
- Pirate 21 Blackjack
- Pontoon
- Draw High-Low
- Top Card Trumps
- Caribbean Poker
- Pai Gow
- Craps
- Baccarat
Furthermore, their gaming selection includes games such as Keno, scratch games, virtual racebook and more. Finally we come to their video Poker games which comes with an impressive number of options including Deuces and Jokers, 10's or Better, Bonus Deuces, Double Joker Poker, Split Way Royal and All American Video Poker among many others.
Betsoft then offers not just unmatched quality in their gaming products but also a wide diversity that few are able to match. That coupled with their integration platform and quality service, it's no wonder why Betsoft is seen as a leader in the industry.


text:
Thank you for your interest in our product. PatronWorks POS utilizes the latest technology. You are welcome to install our product on your own computers. Installation may take 30 minutes or longer as the following supporting products are installed in the configuration process:
Begin the download by pressing the Download button. Receive follow up information by e-mail by entering your email address below.


text:
Wyndham Vacation Rentals , the world's largest expert manager of vacation rental properties and element of the Wyndham Worldwide family members of brands (NYSE: WYN), today announced that it offers more than 1,700 vacation rental accommodations in the prime 3 destinations on TripAdvisor's list of Travelers' Option Destinations on the Rise for 2016. NOW, Therefore, BE IT RESOLVED, that the U.S. Conference of Mayors urges support for economic development opportunities through the visitors sector by encouraging regulations of the short-term rental business that (1) establish a dependable way for the municipality to identify and speak to the brief-term rental owner (two) make the tax collection and remittance obligations clear to the quick-term rental owner and (3) treat quick-term rental tenants the identical as extended-term rental tenants.
Cities and countys that devote several years courting a large enterprise to come to their aea, due to the fact that big company brings jobs and tax revenues and prosperity when it opens its doors, but passes laws that are destructive to a thriving vacation rental economy that offers just as many jobs, just as much tax revenue, and just as a lot financial prosperity.
Wyndham Vacation Rentals , the world's largest skilled manager of vacation rental properties and component of the Wyndham Worldwide loved ones of brands (NYSE: WYN), is supplying up to 40 % off choose rental accommodations with its Cyber Monday sale Beginning midnight EST on November 30, 2015, the sale offers shoppers a opportunity to snag major savings in some of the country's most well-known vacation destinations.
Proponents of this new tax apparently do not realize that on-line travel web sites, home managers and brief term rental owners promote Oregon to a world of prospective tourists at no charge to the state. The reports capture visitors spending on short-term rentals in those markets, as nicely as connected spending and the broader implications on those economies, but not necessarily all quick-term rentals. The study did not take into account vacation rental activity that originates from other list sites and other sources of vacation rental activity.
If your home is booked through an on-line travel website like AirBnB, Expedia or Homeaway, and you pay the web site any fees for handling your booking transaction, the listing site would pay a new tax on those fees, and the tax would be passed through to the home owner. We have been unable to take component in your discussions relating to vacation dwellings in Lincoln City due to our Active duty U.S. Army status. As a outcome the potential guest by no means gets access to much of the info that an owner would normally offer to a prospective guest.


text:
Published on June 13th, 2015 | by John Kane6
Binary Options Beast
Binary options beast is a signal software that claims to give traders an edge over their binary options broker. The developers of the system tell us that their software is for people that are sick and tired of complex strategies but still want to trade like a pro.
Today I'll be reviewing the software and informing the binary today community on whether or not it's relevant.
Binary Options Beast Review
I first learned about the binary options beast via email communication with one of my readers. He told me that he found the system on eBay and that they've recently created a website to market it further. The developer of the system goes by Alex Jones and he tells us that he used to run a software development company until he started to learn about the world the financial trading. He builds himself up to be a man of the people as he tells us that like other newbie traders he lost several deposits before he started seeing positive consistency in his trading.
The binary options beast website is a classic sales form style focused on story instead of substance. There are a couple of videos as well as screenshots of the software in action. As for results, they stop being reported March 26 which is around 3 months ago. I'm not sure if this developer stopped trading his own system but it's very hard for me to recommend any software that is no longer interested in updating the results.
Considering the price point at $397 I can't recommend binary options beast at this point in time. If the software was cheaper, somewhere under $100 I would consider checking it out but I can't stomach spending $400 on something that doesn't have updated results or real customer feedback anywhere on the Internet. If you something you would like to contribute to this article please leave your review of this software now. Thanks for coming to binary today and I hope that you have a wonderful weekend. I may put up a few more reviews today so keep an eye on that as well. My stomach has been hurting a little bit so I figure I may as well get some work done and then relax.
Binary Today or anyone involved with Binary Today will not accept any liability for loss or damage as a result of reliance on the information including reviews, recommendations, charts, software, income reports and signals contained within this website. Please be fully informed regarding the risks and costs associated with trading the financial markets, it is one of the riskiest investment forms possible.
I wanted to leave a comment about the Binary Options Beast software. This review of sorts will come in two parts. First I will talk about the purchase. I understand many people, including Mr. Kane do not want to spend $400 dollars on something that turns out to be another garbage indicator. I know there is no "money back guarantee" posted on the website itself BUT, there is a way to get you money back if you do not like the way the system performs. This software like many others are hosted on sites like ClickBank. In this case the the Binary Options Beast software is hosted on Click to Sell Market Place. When you purchase the software through the market place, you have 90 days to request a refund. I have purchased several different software packages and Ebooks from them over the years and never had any problem getting my money back when I request a refund. So that should give those of you on the fence about it a little piece of mind. The second part of this review will come in a week or 2 after I test out the system. Stay tuned.


text:
OBJECTIVES: Examine racial/ethnic differences in smoking susceptibility among US youth nonsmokers over time and age.
METHODS: We used nationally representative samples of youths who never tried cigarettes (N = 143 917; age, 9–21, mean, 14.01 years) from National Youth Tobacco Survey, 1999 to 2014. We used time-varying effect modeling to examine nonlinear trends in smoking susceptibility adjusted for demographics, living with smokers, and exposure to tobacco advertising.
RESULTS: Compared with non-Hispanic whites (NHWs), Hispanics were more susceptible to smoking from 1999 to 2014 (highest adjusted odds ratio [aOR], 1.67 in 2012). Non-Hispanic blacks were less susceptible to smoking than NHWs from 2000 to 2009 (lowest aOR, 0.80 in 2003–2005). Non-Hispanic Asian Americans were less susceptible to smoking from 2000 to 2009 (aOR, 0.83), after which they did not differ from NHWs. Other non-Hispanics were more susceptible to smoking than NHWs from 2012 to 2014 (highest aOR, 1.40 in 2014). Compared with NHWs, non-Hispanic blacks and other non-Hispanics were more susceptible to smoking at ages 11 to 13 (highest aOR, 1.22 at age 11.5 ) and 12 to 14 (highest aOR, 1.27 at age 12 ), respectively. Hispanics were more susceptible to smoking throughout adolescence peaking at age 12 (aOR, 1.60) and age 16.5 (aOR, 1.46). Non-Hispanic Asian Americans were less susceptible to smoking at ages 11 to 15 (lowest aOR, 0.76 at ages 11–13 ).
CONCLUSIONS: Racial/ethnic disparities in smoking susceptibility persisted over time among US youth nonsmokers, especially at ages 11 to 13 . Interventions to combat smoking susceptibility are needed.
- aOR —
- adjusted odds ratio
- confidence interval
- other non-Hispanic
- non-Hispanic Asian American
- non-Hispanic black
- non-Hispanic white
- National Youth Tobacco Survey
- time-varying effect modeling
What's Known on This Subject:
Smoking susceptibility is a predictor of smoking behavior. Smoking prevalence and age of onset among youth vary by race and ethnicity. Less is known about racial and ethnic disparities in youth smoking susceptibility and if these disparities change over age.
What This Study Adds:
Compared with non-Hispanic whites, Hispanics and other non-Hispanics were more/equally susceptible to smoking. Non-Hispanic blacks and non-Hispanic Asian Americans were less/equally susceptible from 1999 to 2014. All except non-Hispanic Asian Americans exhibited heightened susceptibility at ages 11 to 13 years.
Youth is a critical developmental stage for cigarette smoking prevention efforts. Roughly 5.6 million or 1 in every 13 individuals who are ≤17 years will prematurely die of smoking.1 A majority of daily smokers (88%) initiates smoking by age 18.2 Youth are sensitive to low levels of nicotine exposure and, thus, are more at risk for nicotine dependence and addiction compared with adults3,4 and heavy and long-duration use of cigarettes into adulthood.2,3,5 Finally, early smoking initiation is associated with use of other illicit drugs and detrimental and persistent health and social outcomes throughout the lifetime.2,3
Smoking prevalence, age of onset, intensity of use, and rate and speed of smoking progression among youth varies by race and ethnicity. In 2014, among middle-school students, Hispanics had the highest prevalence at 3.7% followed by non-Hispanic whites (NHWs) at 2.2% and non-Hispanic blacks (NHBs) at 1.7%.6 Among high-school students, NHWs had the highest smoking prevalence at 10.8% followed by Hispanics at 8.8%, other non-Hispanics (ONHs) at 5.3%, and NHBs at 4.5%.6 Compared with their white counterparts, African Americans initiate smoking later, consume fewer cigarettes per day, and progress more slowly toward regular smoking.7 Rate of smoking initiation and progression from nondaily to daily smoking is higher among white (18.2% and 18.8%) and Hispanic (20.3% and 15.9%) youth than black youth (16.2% and 9.6%).8 African Americans have lower smoking prevalence in adolescence but higher smoking prevalence in adulthood when compared with whites.9 Among those who initiate smoking by age 14 years, continued smoking into adulthood is higher among African Americans compared with their white counterparts.9
Little is known about smoking susceptibility, which precedes smoking behavior. Defined as lack of a firm commitment to not smoke, smoking susceptibility is a predictor of smoking experimentation among youth.10 Unger and colleagues11 found that susceptible seventh grade adolescents were 3 times more likely to try cigarettes in eighth grade and 2 times more likely to try cigarettes in ninth grade compared with their nonsusceptible counterparts. Another study found that smoking susceptibility predicted smoking status independent of stages of smoking (eg, precontemplation).12 However, less is known about racial and ethnic disparities in youth smoking susceptibility. To date, 1 study has assessed disparities in smoking susceptibility among youth nonsmokers and found that Hispanics were almost 2 times more likely to be susceptible to smoking compared with NHWs.13 In addition, although age is associated with a gradual increase in smoking prevalence and intensity of use,14 no study to date has examined whether racial and ethnic disparities in smoking susceptibility change over age. Thus, smoking susceptibility can be an early indicator of shifts in racial and ethnic composition of smokers over time. Additionally, smoking susceptibility can be an indicator of ages at which youths are most at risk for smoking and, thus, illuminates the pivotal age for smoking prevention interventions.
The current study aimed to answer 2 research questions: (1) how did youth smoking susceptibility differ by race and ethnicity from 1999 to 2014; and (2) how did smoking susceptibility vary by age? We extend previous research on youth smoking in several ways. First, by examining smoking susceptibility, we extend literature on smoking prevalence to smoking antecedents. Second, by examining susceptibility by age, we extend research that has been limited to age of onset and stages of smoking among youth.9,15 Third, by examining disparities in smoking susceptibility over time and age for 5 racial and ethnic groups, we extend existing literature that has been limited to comparing 2 racial/ethnic groups, primarily NHBs to NHWs.7
We analyzed data from the National Youth Tobacco Survey (NYTS) from 1999 to 2014. NYTS is a nationally representative, cross-sectional, self-administered survey of US middle- and high-school students. NYTS was initiated in 1999 to gauge youths' beliefs, attitudes, and behaviors around tobacco use. We used all 10 NYTS datasets available from 1999 to 2014. NYTS uses a multistage sampling design. Overall response rate ranged from 68.4% in 2013 to 84.8% in 2009. A description of NYTS sampling procedures is available online.16
We limited our analyses to never smokers (ie, never tried cigarettes, even 1 or 2 puffs) who answered at least 1 of 3 susceptibility questions (N =143 917; 51.7% female; 42.9% high-school students; 50.8% NHW, 17.2% NHB, 24.3% Hispanic, 5.5% non-Hispanic Asian Americans [NHA], and 2.0% ONH). ONH included American Indians, Alaska natives, native Hawaiians, and Pacific Islanders.17 Sample sizes ranged from 7782 in 1999 to 17 847 in 2012.
Susceptibility to smoking was assessed using 3 questions: (1) "Do you think you will try a cigarette soon?" (2) "Do you think you will smoke a cigarette in the next year?" (3) "If one of your friends were to offer you a cigarette, would you smoke it?" From 1999 to 2011, responses for the first question were yes and no. From 2012 to 2014, responses for the first question were definitely yes, probably yes, probably not, and definitely not. To harmonize differences in response choices across years, we recoded definitely yes and probably yes into 1 = yes, and probably not and definitely not into 0 = no for years 2012 to 2014. Responses for the second and third questions were consistent across years and were recoded as 1 = yes for definitely yes, probably yes, and probably not and 0 = no for definitely not.10 We classified participants who responded "no" to all 3 susceptibility questions as 0 = nonsusceptible to smoking and those who responded "yes" to at least 1 of the 3 questions as 1 = susceptible.
Data on gender (0 = female, 1 = male), grade (0 = middle school, 1 = high school), and living with a smoker (0 = no, 1 = yes) were collected. Exposure to tobacco advertising on the internet ("When you are using the internet, how often do you see ads for tobacco products?") and in-store ("When you go to a convenience store, supermarket, or gas station, how often do you see ads for cigarettes and other tobacco products or items that have tobacco company names or pictures on them?") were recoded into 0 = no for response choices "I don't use the internet/I never go to a convenience store, supermarket, or gas station" and "never," and 1 = yes for responses "hardly ever," "most of the time," and "some of the time".
Data Analysis
We used time-varying effect modeling (TVEM) to examine variation in smoking susceptibility by race and ethnicity over time (1999–2014) and age (11–18 years old). In examining smoking susceptibility over age, we limited our analyses to 11 to 18 year-olds because of low frequencies for ages 9 to 10 and 19 to 21 years. We used %TVEM SAS Marco Suite, version 3.1.0. (SAS Institute, Inc, Cary, NC).
TVEM is a new statistical tool that estimates regression coefficients as a nonparametric function of a time metric. TVEM produces infinite coefficients and corresponding 95% confidence intervals (CIs) plotted in irregular curves. In the Results, we describe the shape of TVEM curves and report highs or lows in the model-estimated prevalence of smoking susceptibility. We supplemented TVEM figures with tables of crude weighted estimates of smoking susceptibility. We used SAS (version 9.3) to conduct weighted descriptive statistics.
We ran intercept models averaged across all 5 racial/ethnic groups and then separately for each group to allow race and ethnicity to moderate the effect of time/age on smoking susceptibility.
where sus is smoking susceptibility and is the log-odds of smoking susceptibility at a given time (t). Then, we included race/ethnicity to examine the log odds of smoking susceptibility (slope function) for each racial/ethnic group compared with NHWs as a reference group (coded 0). In these models, we included 5 time-varying covariates: gender, school, living with a cigarette user, and exposure to tobacco advertising on the internet and in stores. We added the survey year as a time-varying covariate when examining smoking susceptibility over age. This allowed the associations between covariates and smoking susceptibility to vary over time.
Sample characteristics appear in Table 1 and Supplemental Tables 2 and 3. Overall estimated proportions of smoking susceptibility for all racial/ethnic groups remained at 21% from 1999 to 2007, after which proportions of susceptible nonsmokers increased to 23% in 2014 (Fig 1). Estimated proportions of NHW never smokers who were susceptible to smoking remained steady at 21% from 1999 to 2014. Susceptible NHB never smokers dropped from 21% in 1999 to 17% in 2003 to 2006, after which susceptibility increased to 20% in 2014. Susceptibility among Hispanic never smokers has been steadily increasing from 22% in 1999 to 28% in 2014. Estimated proportions of susceptible NHA never smokers were at 18% from 1999 to 2010, after which susceptibility increased to 20% in 2014. The lowest proportion of ONHs who were susceptible to smoking was in 2010 at 20%, whereas the highest was in 2014 at 28%.
Figure 2A shows that from 2000 to 2009, NHBs were less susceptible to smoking compared with NHWs (lowest adjusted odds ratio [aOR], 0.80 in 2003–2005). Starting in 2010, NHWs and NHBs did not differ in their susceptibility to smoking. Similarly, NHAs were less susceptible to smoking from 2000 to 2009 (lowest aOR, 0.83), after which they did not differ from NHWs (Fig 2C). Conversely, Hispanics were more susceptible to smoking compared with NHWs from 1999 (aOR, 1.16) to 2014 (aOR, 1.49), peaking in 2012 (aOR, 1.67) (Fig 2B). Finally, ONHs did not differ from NHWs in smoking susceptibility from 1999 to 2012, after which they became more susceptible to smoking (aOR, 1.40 in 2014) (Fig 2D).
Youths were most susceptible to smoking around 13 to 15 years of age with 27% of nonsmokers being susceptible to smoking at age 14 years (Fig 3). Figure 4A shows that, compared with NHWs, NHBs were more susceptible to smoking from age 11 to 13 years, peaking around age 11.5 years (aOR, 1.22). Starting at age 13.5 years, NHBs were consistently less susceptible to smoking, with the lowest susceptibility at age 18 years (aOR, 0.66). Similarly, ONHs were more susceptible to smoking from age 12 to 14 years, peaking around age 12 years (aOR, 1.27). At ages 17 and 18 years, ONHs were equally susceptible to smoking as their NHW counterparts (Fig 4D). Hispanics were consistently more susceptible to smoking throughout the adolescent years, peaking at ages 12 (aOR, 1.60) and 16.5 years (aOR 1.40) (Fig 4B). Conversely, NHAs were less susceptible to smoking in early adolescence (ie, ages 11 to 15 years [lowest aOR, 0.76 at ages 11–13 years]), after which they no longer differed from NHWs in smoking susceptibility (Fig 4C).
This study is the first to document trends in racial and ethnic disparities in cigarette smoking susceptibility from 1999 to 2014, and the extent to which these disparities develop over age. Interestingly, although smoking prevalence has been declining among youth,2 smoking susceptibility has either remained nearly steady (eg, NHWs) or increased (eg, Hispanics) among never smokers. One explanation could be that tobacco control policies (eg, youth tobacco sale and marketing restrictions, federal and state cigarette tax increases, clean indoor air policies) have hindered smoking initiation.18 However, these policies do not seem to be effective in reducing smoking susceptibility. Susceptible never smokers represent a reservoir of youth who can experiment and/or use noncigarette tobacco products (eg, e-cigarettes), which have been on the rise among youth.19
Our results on trends in smoking susceptibility show disparities by race and ethnicity over time that somewhat coincide with smoking disparities. We found that, compared with NHWs, NHBs and NHAs were less susceptible to smoking, but have become equally susceptible to smoking starting in 2010. Lanza and colleagues20 found that any reported cigarette use among high school students was higher among NHWs (41% in 1990s to 20% in 2013) than NHBs (10% from 1992 to 2013). The NYTS shows that current cigarette use, measured as number of days of cigarette use during the past 30 days, was consistently higher among NHW (16.0% to 5.4%) compared with NHB (8.0% to 2.7%) high school students from 2000 to 2012.21 Data from 2006–2008 National Survey on Drug Use and Health show current smoking among 12 to 17 year olds at 4.1% for NHAs (vs 11.8% for NHWs and 5.9% for NHBs).22
Compared with NHWs, Hispanics have been consistently more susceptible to smoking, whereas ONHs have become more susceptible to smoking starting in 2013. Conversely, prevalence data show opposite patterns where prevalence is lower among Hispanics but higher among ONHs compared with NHWs. For example, NYTS data show that current cigarette use among Hispanic high school students was at 9.8% in 2000 and 4.1% in 2012, lower than NHWs at 16.0% and 5.4%, respectively.21 The 2014 NYTS data show that past 30 day cigarette use was at 8.8% for Hispanic high school students (vs 10.8% for NHWs) but at 3.7% for middle school students (vs 2.2% for NHWs).6 In addition, the National Survey on Drug Use and Health shows that prevalence of cigarette use among ONHs was at 17.2% (vs 11.8% for NHWs).22
Smoking susceptibility is an established predictor of smoking behavior at the individual level.10,11 However, its role at the population level has not been examined. Inconsistencies between smoking susceptibility and prevalence data for Hispanics, NHAs, and ONHs could be explained by existing literature. Risk factors associated with smoking behavior (eg, peer smoking) are well documented and behave similarly across racial and ethnic groups.8 However, the distribution of youth exposure to risk factors is unfavorable to racial and ethnic minorities. For example, tobacco retail outlets are concentrated in Hispanic and foreign-born neighborhoods.23 Conversely, protective factors against smoking initiation have been understudied. For example, although our results show that equal proportions of NHAs and NHWs were susceptible to smoking after age 15 years, NHAs experience a host of social influences that are protective against cigarette smoking (eg, living in intact families, having fewer peers who smoke).24 To explain this paradox, research is needed to examine race- and ethnicity-specific factors that delay/inhibit smoking initiation or affect the rate of transition from susceptibility to smoking behavior.
Our results show differential changes in smoking susceptibility over time for racial and ethnic groups. NHB and NHA youth have become equally susceptible to smoking as their NHW counterparts. These results suggest a potential shift in the racial and ethnic composition of future smokers. This shift is concerning given the disparities racial and minority smokers endure with regard to cessation interventions (eg, screening, cessation aids)25 and subsequent health consequences of smoking.26 These results highlight the importance of tracking smoking susceptibility and use prevalence for all racial/ethnic groups. Studies exclude14 or collapse6 different racial and ethnic groups (eg, NHAs and ONHs) that differ on smoking onset, use patterns, and trajectories. In addition, researchers should strive to have adequate samples for minority populations.
Youths are more susceptible to smoking from 13 to 15 years old. This is supported by Chen and Unger's study27 on the hazards of smoking initiation, whereby risk peaked at ages 11 to 14 years for all racial and ethnic groups, after which risk slowed except for Hispanics and Asian Americans. Our results on increased smoking susceptibility around ages 13 to 15 years coincide with data that show the average age of first cigarette use is 15.4 years,28 which supports the notion that susceptibility is a cognitive contemplation stage that precedes experimentation.10 We show different ages at which youths are most susceptible to smoking. However, these results do not perfectly align with the age of initiation for respective racial and ethnic groups. For example, compared with NHWs, we found that NHBs were most susceptible between ages 11 to 13 years. However, 1 study found that NHWs initiate smoking at age 15 years, whereas NHBs initiate smoking at age 16.1 years.9 Similarly, we found that Hispanics were more susceptible to smoking throughout adolescence, with peaks around ages 12 and 16.5 years. However, 1 study found that 42.3% of Hispanics initiate smoking between ages 14 to 17 years (vs 46.5% for NHWs).29 Consistent with our results on smoking susceptibility among NHAs, 1 study found that 47.8% of Asian and Pacific Islander regular smokers had initiated smoking between ages 18 to 21 years.29 Data are limited on initiation age for ONHs. These results confirm the need to examine transition from susceptibility to smoking behavior by race/ethnicity and how the duration of being susceptible to smoking affects the odds of smoking behavior.
Used as a screening tool, smoking susceptibility could help reduce smoking prevalence among youth. Interventions that strategically target never smokers who are most at risk for smoking initiation (rather than all nonsmokers) before smoking onset could be an effective smoking prevention measure. From an economic standpoint, targeting high-risk groups is cost effective compared with population-level interventions.30 From a public health standpoint, research shows interventions are effective in reducing initiation rates rather than improving quit rates.31 One potential venue to screen for and intervene with youth who are susceptible to smoking is at their annual medical exam where 62% to 83% of youth visit a primary care clinic within 1 to 2 years.32,33
Data are not generalizable beyond in-school students. In addition, smoking susceptibility was self-reported. However, studies have shown self-reported smoking behaviors, which are more stigmatized than smoking susceptibility, to be valid when compared with biomarkers (eg, Carbon Monoxide) among youths.34 We could not control for covariates that were absent (eg, socioeconomic status) or that inconsistently appeared (eg, exposure to tobacco magazine advertising) in the NYTS. The NYTS did not include subgroups of NHAs (eg, Chinese) who differ in smoking onset and prevalence. Due to the small sample size, we collapsed American Indians, Alaska natives, native Hawaiians, and Pacific Islanders into 1 group although these subpopulations differ in smoking onset and prevalence.26 We were less stringent in coding 1 susceptibility question, which could have resulted in underestimating susceptible youths from 2012 to 2014. However, to avoid introducing measurement artifact, we kept coding consistent from 1999 to 2014.
Reducing racial and ethnic disparities in smoking is a goal of the US Department of Health and Human Services in promoting health equity.35 A focus on youth susceptibility is fitting to reduce these disparities. Targeting youth when they are most susceptible to smoking with tailored prevention interventions could reduce smoking initiation, especially among racial/ethnic minorities.
- Accepted August 11, 2016.
- Address correspondence to Sherine El-Toukhy, PhD, MA, National Institute on Minority Health and Health Disparities, National Insitutes of Health, Building 3, Room 5E11, 9000 Rockville Pike, Bethesda, MD 20892. E-mail: sherine.el-toukhy{at}nih.gov
FINANCIAL DISCLOSURE: The authors have indicated they have no financial relationships relevant to this article to disclose.
FUNDING: The effort of Drs El-Toukhy, Sabado, and Choi was supported by the Intramural Research Program of the National Institutes of Health, National Institute on Minority Health and Health Disparities. Funded by the National Institutes of Health (NIH).
POTENTIAL CONFLICT OF INTEREST: The authors have no conflicts of interest relevant to this article to disclose.
- Copyright © 2016 by the American Academy of Pediatrics


text:
Living Pure Heater
Categories: Household Products
The Living Pure Pro Series 4-in-1 heater lets you stay warm and slash your heating bills at the same time. It is fast working heater, air purifier, air filter and humidifier all in one.
Living Pure is perfect for any home and family. It features a compact design that can heat up to 1,000 square feet, keeping you and your entire family warm.
There's an adjustable temperature control and the unit will heat your room up to the targeted temperature quickly. Plus it does so while being whisper quiet.
Unlike ordinary heaters, the Living Pure is extremely safe and is not a fire hazard. There are flames, fumes or deadly monoxides generated from the heat.
The Living Pure also dry up the air like traditional heaters. Instead there is a built-in humidifier that moistens the air produced by the heater. That way you and your family can stay warm and still breathe.
In addition the Living Pure also has an air filtration system and air purification built-in. It helps remove dust and particles while the PCO system removes offensive odors in the room.
The controls of the Living Pure are designed to be easy to use. There is an LCD screen that lets you see the selected temperature and other features. A remote control is also included for simple and convenient operation.
Get the Flash Player to see this player.
The Living Pure Pro Series 4-in-1 heater are available in two different colors. You can choose from either Woodgrain or Black.
You can order the Living Pure for $374.95 with free shipping and handling. The unit comes with a 60-day money back guarantee period and includes a 3 year warranty.


text:
Arrives in 3-7 Business Days
From the best-selling Bird Songs series comes the most comprehensive bird book ever published. Bird Songs Bible covers the sights and sounds of every single breeding bird in North Americanearly 750 in all. This utterly distinctive package features a state-of-the-art digital audio player that brings to life the birds' songs and calls with the touch of a button. Written by a panel of ornithological experts and produced with the renowned Cornell Lab of Ornithology, this indispensable reference features lavish illustrations of the birds and their habitats, scientifically accurate range maps, and detailed information on distribution, habitat, behavior, and vocalizations. A beautiful keepsake object, Bird Songs Bible is an essential volume for the true bird lover.


text:
Ready to lose weight and drop the heaviness on your body and in your life? Join me for this wellness workshop and party!
What you will Learn in this Workshop series…
- What to eat and not eat to start losing weight and feeling good – It's not what the other experts tell you!
- How showing up bigger and bold, will help you effortlessly drop the extra weight and free you from the struggle with food.
- To transform your body and life from the inside out.
- Why we need to drop the dieting, weight & body obsession if we want to be happy and create a life that is awesome!
- How to heal your relationship with food, yourself and your body, so you can start feeling a new sense of freedom around food and in your body!
- How to turn up the volume on your life! No more beige for you, it's time for you to start living in color!
- How to allow your intuition and inner wisdom guide your choices (eating and otherwise) so you can start living life aligned with your spirit and soul
- How to really transform your body —> finally drop the heaviness (the body, mind and soul kind, all of it!)
And just so you are crystal clear what you are getting with this free workshop, Here are the details —-> You will be getting 4 fun, info-packed videos delivered directly to your inbox, every day for 4 days -> So you can join the party from anywhere in the universe, as long as you have access to earth's interwebs.


text:
Music courses began to be offered at Northern Michigan University soon after its founding in 1899. Only two semesters after the opening of Northern State Normal, Annette Le Vegne traveled from the University of Michigan to teach classes in music and organize a series of summer musicals.
In 1900, Northern had its first full-time music teacher, Miss Sophie Linton (pictured left), a graduate of Wisconsin State Normal at Stevens Point. The state Board of Education approved a "life certificate" curriculum in the teaching of music; five instructors taught music courses in addition to regular teacher training classes.
By 1952, NMU offered its first Bachelor of Arts in Music degree, with both major and minor programs. Students participated in band, orchestra, string quartet, choir and collegiate chorale, all of which made tours to Upper Peninsula high schools. The department offered both performance and teaching degrees by 1961.
Several performance groups developed during the early 1960's: the Fine Arts Quartet, the Saturday Music Club and the Arts Chorale. NMU held summer programs, such as Music Camp, Adult Chorale Clinic, Piano Clinic for Teachers and Festival of Music. The NMU Marching Band, active since the very early days of Northern State Normal, acquired its nickname, "Pride of the North" in the early '60's.
The department was accredited by the National Association of Schools of Music in 1969 and has maintained full accreditation since that time. Ensembles have toured regionally throughout the midwest and Canada. Foreign tours have included trips to Europe and special performances in the Bahamas via invitation from the USO.
The Department of Music Today
The department looks confidently toward the future as it continues to be a vital part of the cultural life of the university, community, and region! The faculty is exceptionally strong, combining the teaching expertise of long-serving faculty with the innovations and creative energy of younger colleagues. All performing ensembles are open by audition to all NMU students. Band instrumentalists can participate in the Wildcat Marching Band, Symphonic Band, Wind Ensemble, Jazz Band, Jazz Combos, Percussion Ensemble, or Pep Bands. Vocal groups include University Choir, Arts Chorale, and The Marquette Choral Society. String and wind players can perform with the University Orchestra. Opera Theatre Workshop provides operatic experiences, and a variety of chamber groups function each semester. The Thomas Fine Arts building and the fabulous Reynolds Recital Hall provide premiere facilities for teaching and performing. The music education degree continues to be the largest program, with graduates having excellent employment success. Other alumni pursue graduate degrees in music or enter music-related professions. Whatever their field, music alumni report that their training has been a vital part of their success, fostering self-discipline and the ability to perform under pressure. The department contributes to the mission of the university by sponsoring an extensive program of concerts and recitals each semester, almost all of which are offered without charge.


text:
Reader Loops, Chords & Cases
Handcrafted using the finest grade leather and metal components to keep your reading glasses close by and you looking stylishly put-together.
Handcrafted using the finest grade leather and metal components to keep your reading glasses close by and you looking stylishly put-together.
A cut above the rest.....
I used to think all reading glasses were alike until I got a pair of Renee's Readers. The lenses provide a crystal clear, sharp view and the frames are very high quality. This is my 3rd pair!
These fit exceptionally well and the larger sized lenses provide better protection when outdoors. Being able to read on the back deck in bright light with these will make the summer much more enjoyable
Wasn't so much looking for style just good clear readers. I guess I hit the mark because I got comfort, good looks and really clear readers.
Very Nice!
I have ordered other high-end readers for other sites and they pale in comparison. I ordered the Peter and the quality of the optics is amazing; also the case is very nice as well.
Great fit, stylish and very comfortable. The lenses are much better quality than what you find at retailers and without prescription prices - just what I was looking for.
After going through countless pairs of cheap, crummy "drugstore" readers (including some purchased from online reading glasses vendors), I wanted to get higher quality, more durable glasses. Renee's Readers delivered! My glasses are stylish, but more importantly, they seem well built and optically precise. Plus, the price was reasonable.


text:
"Spirit in the Sky" is a song written and originally recorded by Norman Greenbaum and released in 1969. The single sold two million copies in 1969 and 1970 and reached number three in the U.S. Billboard chart.
On this date in 1970 it hit No. 1 on the UK chart. It also hit No. 1 on the Australian and Canadian charts. Rolling Stone ranked "Spirit in the Sky" #333 on their list – 500 Greatest Songs of All Time. The song was featured Greenbaum's 1969 album.
In a 12/06/2011 interview with classic-rock music journalist Ray Shasho of The Examiner, Greenbaum stated that western movies were the real inspiration for "Spirit In The Sky":
Norman Greenbaum: If you ask me what I based "Spirit In The Sky" on… What did we grow up watching? …Westerns! These mean and nasty varmints get shot and they wanted to die with their boots on. So to me that was spiritual, they wanted to die with their boots on.
Ray Shasho: So that was the trigger that got you to write the song?
Norman Greenbaum: Yes. The song itself was simple, when you're writing a song you keep it simple of course. It wasn't like a Christian song of praise it was just a simple song. I had to use Christianity because I had to use something. But more important it wasn't the Jesus part, it was the spirit in the sky. Funny enough… I wanted to die with my boots on.


text:
By NEIL HARTNELL
Tribune Business Editor
BAHAMIAN-owned commercial banks will have to phase out and replace some $130 million in collective preference share capital over the next decade, a task that has been described as a "significant change but not onerous".
The Central Bank of the Bahamas, in its April 2012 letter sent out to the heads of all its licencees, confirmed that as part of preparations for all Bahamian banks and trust companies to meet the requirements of new global capital standards, known as Basel III, preference shares will "no longer qualify as any form of capital".
This will affect the three Bahamian majority-owned commercial banks listed on the Bahamas International Securities Exchange (BISX), which all have preference shares - to varying degrees - included in their capital bases.
Commonwealth Bank has the largest amount of outstanding issued preference shares, some nine separate classes worth a collective $84.983 million, according to its 2011 annual report. It is followed by Bank of the Bahamas International, which has some $35 million, and Fidelity Bank (Bahamas), which in its 2011 third quarter financials said it had $10 million in issued preference share capital.
Confirming these developments, Paul McWeeney, Bank of the Bahamas International's managing director, said the 10-year transition period gave Bahamian commercial banks plenty of time to replace the preference share capital currently on their balance sheets.
Pointing out that his institution already had a strategy worked out, Mr McWeeney said Bahamas-based commercial banks would likely be able to replace preference share capital with retained earnings growth once the sector resumed long-term profitability trends.
He added that the main impact was likely to be felt by Bahamian investors, who would no longer have the option of investing in bank-issued preference shares - a debt instrument that, with its attached interest rate coupon, was seen as a relatively attractive destination for investment dollars.
"The new criteria has been established, and the Central Bank has adopted Basel III and will enforce compliance," Mr McWeeney told Tribune Business. "We've had a series of meetings with the Central Bank, and we're going to phase out preference shares over a period of 10 years."
Emphasising that he could not speak for other banks or the sector as a whole, Mr McWeeney said that in Bank of the Bahamas International's case it would have to phase-out its preference share capital at an average rate of $3-$3.5 million per year.
"The schedule identified by Basel III is not very onerous on the banks," he added, noting that the Central Bank's trigger and target ratios for Bahamas-based commercial banks, of 14-17 per cent respectively, were well above international requirements. Most Bahamian commercial banks' ratios were currently in "the lower 20 per cents".
In his letter to Bahamian bank heads, Abhilash Bhachech, the new inspector of banks and trust companies, said that under Basel III the composition of the 8 per cent minimum capital risk-adjusted ratio would change.
Currently, that 8 per cent is split equally between Tier 1 and Tier 2 capital, but under Basel III the former will have to increase to 6 per cent of risk-weighted assets, with the latter dropping to 2 per cent by January 1, 2015.
"Tier 1 capital will consist of: common equity (ordinary shares) which is considered the highest quality of capital, and would need to be maintained at least 4.5 per cent of the risk-weighted assets or 75 per cent of this Tier I component," the letter said.
"Our commercial banks are well-capitalised with quality CET1 and Tier 2 capital, and are currently subjected to trigger and target ratios of 14 per cent and 17 per cent, respectively - well above the levels proposed under Basel III."
Noting that all Bahamas-based banks needed to have "an approved strategy", together with timeframes, for dealing with the preference share replacement issue, Mr McWeeney told Tribune Business: "A significant change is taking place. Those banks that have preference shares have to find quality replacements for it, and you don't want to diminish your capital base.
"We could redeem our preference shares, shrink capital and still comply, but that's not what we want to do. We want to grow our capital. We will find a way to replace them, while still maintaining the same level of capital adequacy."
He added of the preference share issue: "It's a significant change; it's not onerous. The transition is manageable. On a normal course, when business gets back to normal, we have the potential to replace that with growth in earnings.
"It's been a tough last couple of years, but we're optimistic that hopefully by 2014 things will pick back up and we will get a base to replace that from growth in retained earnings. It's a manageable process but a significant change."
Mr McWeeney, though, noted that with bank preference shares "falling away", investors would no longer be able to enjoy the "decent returns" they provided.
"It impacts the investing community. Preference shares were a satisfactory investment for many years, and provided a decent return, but they will go away now," he said.
Anwer Sunderji, Fidelity Bank (Bahamas) chief executive, and Ian Jennings, Commonwealth Bank's president, did not return Tribune Business phone calls and e-mails seeking comment before press time.
Use the comment form below to begin a discussion about this content.


text:
We want to thank everyone who took the time to drop by our booth and quiz our Chief Architect, Garth Jones, about anything related to Configuration Manager!
Also a great big thank you to Microsoft and everyone involved organizing Ignite 2015!
We had a great time and enjoyed meeting all of you. See you next year!


text:
Welcome to ZIROX
one of the world's leading manufacturers of high-quality gas analyzers and measuring systems based on solid electrolytes. The measuring instruments and probes from ZIROX were developed for the requirements of a wide variety of applications. In addition to the series products, special systems are realized that are tailored directly to customer requirements.


text: Preheat oven to 425°. Place chicken breast halves in a zip-top plastic bag. Combine buttermilk and egg. Add egg mixture to bag, and seal. Marinate in refrigerator for 4 hours. Remove chicken from bag; discard marinade. Sprinkle chicken with salt and pepper. Combine flour and ground oats. Dredge the chicken in flour mixture. Heat oil in a large ovenproof skillet over medium-high heat. Add chicken; sauté for 4 minutes. Turn chicken over. Bake at 425° for 10 minutes or until done.


text:
Sheer maxi skirts are everywhere this season, but how exactly should you style them? Kristine of the blog Kristine or Polly and Erin, who blogs for both ModCloth as well as her own site, Calivintage, serve as great examples with their styling of the Com-pleat Thought Skirt. These ladies did a great job of mixing casual menswear inspired blouses with the dramatic maxi. Kristine complemented hers with a striped shirt and polka dot heels, while Erin went for a buttoned up top with platform sandals.
How would you wear this versatile skirt? Are you a fan of the sheer skirt trend?


text: A friend of mine showed me this video of Guru Maul Mornie, who is a well-known silat instructor that I follow, using the Wall Dome training dummy. I love training dummies, but I honestly am not that fond of this design. Regardless, Guru Mornie shows a lot of great limb control techniques in this video--many of which can also be found in karate--so I thought I would share it here.