Insurers? estimates of industry wide losses from the Thailand floods have increased 50% to USD 15 billion since A.M. Best?s last briefing on this event (Thai Flooding Brings Industrial, Business Interruption Claims), published Nov. 23, 2011. Such a loss would place the Thai floods in a tie for the fifth costliest insured loss event in the past 31 years.
Aon Benfield estimated the floods in Thailand have damaged or destroyed more than 4 million homes, businesses and manufacturing facilities. This has generated structural damage four times greater than what resulted from Japan?s earthquake and tsunami in March 2011, but only half of the total insured loss due to a low rate of insurance adoption.
It will take the industry significant time to reconcile the true impact of the floods because of a general lack of data on Thai exposures, the length and magnitude of the floods, and the complexity of business interruption and contingent business interruption (CBI) claims. As demonstrated by companies increasing fourth-quarter reserves for catastrophe events that occurred earlier in 2011, potential losses may creep upward throughout 2012. The Lloyd?s market has yet to release its net estimate of flood losses, which will include a material loss from Kiln Syndicate 1880. That syndicate?s loss currently is estimated at USD 700 million, and claims have been fully funded in cash by its sole capital provider and guarantor, Tokio Marine.
[unable to retrieve full-text content]A mobile phone is one of the most important gadget almost every one needs. Imagine how you leave home without your cell phone. I am sure that you will go back and to take your most valued communication device.
If you should own a home in Utah, you?ve probably built is much equity in the last couple of years. With home values high and rates low, now is a perfect a chance to check out a home equity loan. Any such loan can present you with a large amount of money and versatile payback options. Below is known as a breakdown of just what a Utah home equity loan will set you back.
1. Should i need a home equity loan or a home equity history of credit?If interest rates are low, finance is known as a smarter decision. You can acquire an entire amount simultaneously and acquire a fixed rate over the full sum. The advantage tells you exactly how much to provide monthly installments.At the same time, a history of credit so that you can borrow using a revolving history of credit with volatile interest rates. You access the time like a checking account by writing any cheque for the purchase. Then this amount used is paid back. When the rates fluctuate, your repayments will too.What is a Home Equity Loan
Obviously, a home equity loan is simply not something to remain opted for inside a minute; it given some serious thought. Do you actually wish to risk your home as you desire to add a strong room on your own house? Or as you wish to consider the family even on a dream vacation? When you put the money in order to make the finance payments, then yeah, its fine. But, if you feel hesitant that you can not need the funds to coat the monthly installments, you might hold-up on that home equity loan.
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One day after Glee aired its winter finale ? which included an attempted suicide, a win at Regionals, a near-exchange of matrimonial I do's, and a surprise car wreck ? Grant Gustin was back at it, auditioning for film roles while the regular cast shot its next episode.
At the moment, Gustin doesn't know the fate of his controversial alter-ego Sebastian, the smarmy Warbler introduced as this season's threat to New Directions. Karofsky's tragedy appears, for now, to have shaken him of his diabolical ways, but up until then, well, to paraphrase Santana, Sebastian seemed to have been borne from such '80s jerk-offs as Pretty in Pink's Steff (James Spader) and Some Kind of Wonderful's Hardy (Craig Scheffer).
Fall 2012 TV Scorecard: Which shows are returning? Which aren't?
"I'm on an episode-to-episode basis, so as of now, I haven't filmed anything for the return in the spring," Gustin told TVGuide.com. "It's all up in the air right now, and I have no idea what's next for him to be honest."
A month ago, reports surfaced that Gustin, whose professional credits include the Broadway revival of West Side Story and more recently an episode of CSI: Miami, would be promoted to a series regular next season. But that isn't a done deal. "They have an option on me," Gustin said. "Basically, if I am to be back next year, that's most likely what would happen. But they haven't asked me back yet, and I don't know if that's going to be the case."
Glee's Max Adler on Karofsky's dark moment and message of hope
But does Sebastian deserve an encore? Gustin, 22, says he hasn't been given a backstory for the guy outside of his likes ? ?lacrosse, Lima Bean, Scandals, Courvoisier ? ?and he doesn't deny that the guy's been pretty uniformly awful. But rather than looking to outright bad guys, he says he drew inspiration from Coach Sue (Jane Lynch). "I wasn't playing the '80s villain thing," he said. "Actually, the first thing I obviously thought to channel was the energy that Jane Lynch brings to Sue Sylvester. We've seen her softer side, and she does both mean and soft in this incredibly honest way. So I tried to do that. I tried to think, OK, this guy believes everything he's saying, and maybe he's doing it for insecure reasons or maybe he's just that confident. I just tried to be honest about it."?
And just as Sue has been revealed gradually ? ?through her sister, romantic relationships and a bout of depression ? ?Gustin hopes the same might be done for Sebastian. "There are plenty of possibilities if they do bring me back," he said. "What happened to Karofsky hit very close to home for him. It shocked him into reality, I think. I was surprised it happened so soon. I don't know if the snarkiness is gone now or if he's a nice guy, but seeing a different side of him is exciting."
Glee poll: What do you think is Quinn's fate?
But Glee stillhas a lot of work to do if they're going to try and ingratiate the guy who nearly blinded Blaine (Darren Criss) with fans. "After the Michael Jackson episode, after that slushie... yeah, everyone hates Sebastian," Gustin laughed. "It's hard sometimes, but I guess that's the point. I just have to appreciate that." And while it made sense for Blaine to join New Directions once he and Kurt became a couple, none of the writers have communicated a Season 4 Sebastian game plan to Gustin. He and the other recurring actors ? ?including Vanessa Lengies and Damian McGinty ? ?are called back on an as-needed basis.
"It's very last-minute, but that's not their fault. They've got a huge cast and an unbelievable amount of material and people that they're working with," Gustin said. "The fact that it's last-minute, you just have to understand and respect it. It's been crazy, though. I was in Virginia visiting my family when I found out I was gonna be in the 'Michael' episode, and they asked if I could be in the studio the next day. I said, 'Sure!' and got on a red eye that night. It's just the way it is, and you kind of roll with it because it's an amazing experience."
What do you say, Gleeks? Should the show stick with Sebastian? What do you think is the next best step for his character? Sound off below!
Individual bankruptcy bad credit auto loans are in reality a distinctive type of finance directed at the people who have lost almost all their life savings in the incident. These kinds of bad credit auto loans basically are used to give a few financial relief to the borrower in order that he can re-start their firm or perhaps say their business again. In a nutshell, personal bankruptcy bad credit auto loans offer protection plans to the borrowers. Let us see in detail the ideas of personal bankruptcy bad credit auto loans. Individual bankruptcy is all together a very learnable incident that takes place in your life. It is indeed the life changing experience. Nevertheless, the key part is how one particular regains their consciousness soon after it. Bankruptcy should be considered as a way to forget past mistakes, learn from them, and move on to a fresh beginning.
Practically, this indicates impossible to achieve the have confidence in of lenders in the beginning. But the fact is there are several lenders who are in the trade regarding providing loans to people who have undergone bankruptcy. negative credit auto loans after personal bankruptcy are an excellent way to regain credit standing in the market. Individual bankruptcy bad credit auto loans are easily offered to the people who have been devastated by way of a sudden accident.
Those who have faced the Chapter 7 or 13 might not be welcome at banks and lending firms. On the distant harbor, there?s a chunk regarding such creditors called subprime creditors who offer you lending services to borrowers together with credit problems. These kinds of subprime creditors offer personal bankruptcy bad credit auto loans to the people who have been severely affected.
ATHENS (Reuters) ? The Greek cabinet approved a draft bill spelling out reforms required by the EU and the IMF on Friday, taking Athens closer to getting a new 130 billion-euro bailout after the prime minister warned the alternative was "catastrophe."
All eyes will now be on parliament, which is scheduled to vote on the bill on Sunday. Analysts expect the deeply unpopular package to be adopted but Greek politics remain highly unstable.
Even after this is done, the EU also wants a further 325 million euros of spending cuts and clear commitments by main party leaders that the reforms will be implemented before it agrees to release the aid.
Technocrat Prime Minister Lucas Papademos told his turbulent coalition government earlier on Friday to accept the harsh international bailout deal or condemn the nation to disaster.
"We cannot allow Greece to go bankrupt," he told a cabinet meeting. "Our priority is to do whatever it takes to approve the new economic program and proceed with the new loan agreement."
Papademos, the sole technocrat in a coalition of feuding politicians, tried to assert his authority after six cabinet members resigned over EU and IMF demands for yet more pay, pension and job cuts in return for the financial rescue.
The austerity plan includes lowering the minimum wage by 22 percent, axing 150,000 public sector jobs and reducing pensions.
"It goes without saying that whoever disagrees and does not vote for the new program cannot remain in the government," he said in televised remarks.
Greece faces bankruptcy unless it gets the funds from the IMF and European Union by March 20 when it has to repay 14.5 billion euros ($19 billion) in maturing bonds.
"It was approved," a minister who took part in the cabinet meeting said about the draft bill.
A former central banker, Papademos tried to raise Greeks' spirits as the nation enters its fifth year of recession, saying economic growth would return in 2013 despite accusations that the austerity is merely driving Greece into a downward spiral.
Any alternative to the rescue would be much worse, he said in opening remarks using the word "catastrophe" four times.
Earlier, far-right leader George Karatzaferis said he could not back the tough terms attached to the bailout and all four cabinet members of his LAOS party submitted their resignations, along with two from the socialist PASOK party.
Papademos was not expected to react immediately to the loss of his transport minister and five deputy ministers. "There will be no reshuffle today," said a government official.
Adding to the confusion, Greek media said that two of the LAOS cabinet members had resigned only under orders from Karatzaferis and would support the deeply unpopular package when
parliament votes, possibly on Sunday or Monday.
The Socialist PASOK party, one of three in the "national unity" government, called on its lawmakers to vote for the bailout, and analysts said they still thought parliament would pass the deeply unpopular package.
UNSTABLE POLITICS
Outside parliament, police fired tear gas at black-masked protesters who threw petrol bombs, stones and bottles at the start of a 48-hour general strike against the cuts ordered by the "troika" of international lenders. But the street protests were relatively small compared to last year's mass rallies.
A group of 35 lawmakers from PASOK, whose public support has collapsed, protested against pressure from euro zone ministers.
"Our lenders are once again presenting the dilemma: either you take the measures or you lead the country to a default," they said in a protest letter.
The biggest police trade union said it would issue arrest warrants for Greece's international lenders for subverting democracy, and refused to "fight against our brothers." A daily newspaper depicted German Chancellor Angela Merkel in a Nazi uniform with a swastika armband.
Finance Minister Evangelos Venizelos made clear Greece has little choice but to accept the harsh conditions attached to the bailout, and a plan to halve its huge debt to private bondholders, to avoid a chaotic default next month.
"It's time for us to make up our minds," he said after euro zone finance ministers refused to give immediate approval to the bailout plan. "Unfortunately, we have to choose between sacrifices and even bigger sacrifices."
LAOS leader Karatzaferis begged to differ. "Greeks cannot be hostages and serfs," he thundered. "We were robbed of our dignity, we were humiliated. I can't take this. I won't allow it, no matter how hungry I am.
He turned his anger on Germany, which will fund much of any bailout and has lectured Greeks on the need to tighten their belts.
"Germany decides for Europe because it has a fat wallet and with that fat wallet it rules over the lives of all the southern countries," he told a news conference.
His party has 15 deputies in the 300-seat parliament, dominated by the socialist PASOK and conservative New Democracy parties, which both support the Papademos government.
The EU and IMF have been exasperated by a series of broken promises and weeks of disagreement over the terms of the bailout, which would be Greece's second since 2010, with time running out to avoid a default.
The ministers gave Athens six days to prove its commitment by passing key legislation, finding an extra 325 million euros in savings, and providing assurances that the program will remain in force after any election.
Summing up their deep mistrust, Jean-Claude Juncker, chairman of euro zone finance ministers, said: "In short, no disbursement before implementation."
The euro and European shares fell, reflecting concern that the Greek bailout and debt swap could fail.
"RESIST!"
Some protesters compared Greece's plight, facing bankruptcy unless it accedes to the demands of international lenders, to its seven years under military dictatorship.
On Syntagma Square in central Athens, songs from the struggle in the 1960s and 1970 against a junta of colonels boomed out over loudspeakers.
Police said three policemen and two protesters were slightly injured in clashes. Five people were detained.
With Greece probably at its lowest ebb since the junta was overthrown in 1974 and democracy restored, protesters denounced the "troika" of lenders - the European Commission, European Central Bank and International Monetary Fund.
"Do not bow your heads! Resist!" They chanted. "No to layoffs! No to salary cuts! No to pension cuts!
Analysts say only a breakdown of party discipline can sink the package in parliament, where the coalition has a huge majority.
"There will most likely be a string of defections and abstentions but I don't believe that the measures will fall short of the majority required," political analyst George Sefertzis told Reuters.
(Additional reporting by Dina Kyriakidou and Karolina Tagaris in Athens, Stephen Brown in Berlin; Writing by David Stamp and Ingrid Melander; Editing by Andrew Roche)
Study finds massively parallel sequencing can detect fetal aneuploidies, including Down syndromePublic release date: 10-Feb-2012 [ | E-mail | Share ]
Contact: Vicki Bendure vicki@bendurepr.com 202-374-9259 Society for Maternal-Fetal Medicine
DALLAS (February 10, 2012) In a study to be presented today at the Society for Maternal-Fetal Medicine's annual meeting, The Pregnancy Meeting , in Dallas, Texas, researchers will report findings that indicate that massively parallel sequencing can be used to diagnose fetal aneuploidies, including Down syndrome, Edwards syndrome, Patau syndrome and Turner syndrome.
Because of the importance of the clinical data, the abstract, entitled Genome Wide Fetal Aneuploidy Detection by Sequencing of Maternal Plasma DNA: Diagnostic Accuracy in a Prospective, Blinded, Multicenter Study, was given late-breaker status. The study demonstrated that it was possible to use massively parallel sequencing of maternal plasma DNA in combination with a proprietary algorithm to detect the three most prevalent fetal aneuploidies (an abnormal number of chromosomes in the fetus). With this clinical evidence, this prenatal test may be incorporated into routine prenatal care.
"This is the first prospective, multicenter, blinded clinical study to demonstrate detection of all fetal aneuploidies across the genome. It demonstrates the efficacy of massively parallel sequencing of maternal plasma DNA with optimized normalization," said Diana W. Bianchi, M.D., of the Mother Infant Research Institute at Tufts Medical Center, Boston, Mass., the study's presenting author. "Our sample included 2,882 women undergoing prenatal diagnostic procedures at 60 different U.S. locations. Importantly, this study is representative of clinical practice, by taking into account and reporting results from all whole chromosome aneuploidies."
The study correctly identified 89 of 89 cases of trisomy 21 (Down syndrome) with 100 percent sensitivity and specificity, and had a 100 percent positive predictive value for the three most common autosomal aneuploidies, trisomies 21, 18, and 13. The study also detected monosomy X (Turner syndrome) and other chromosome aneuploidies such as trisomies 16 and 20. This approach, if incorporated into prenatal care, will require far fewer invasive procedures to diagnose fetal aneuploidy.
In addition to Bianchi, the study was conducted by Lawrence Platt, David Geffen School of Medicine at UCLA, Obstetrics and Gynecology, Los Angeles, Calif.; James Goldberg, San Francisco Perinatal Associates, Prenatal Diagnosis Center, San Francisco, Calif.; Alfred Abuhamad, Eastern Virginia Medical School, Department of Obstetrics and Gynecology, Norfolk, Va.; Richard Rava, Verinata Health, Inc., Research & Development, Redwood City, Calif.; and Amy Sehnert, Verinata Health, Inc., Clinical Research, Redwood City, Calif.
###
A copy of the abstract is available at http://www.smfmnewsroom.org/annual-meeting/2011-meeting-abstracts/. For interviews please contact Vicki Bendure at Vicki@bendurepr.com, 540-687-3360 (office) or 202-374-9259 (cell), or Jacqueline Boggess at jacqueline@bendurepr.com, 540-687-5399 (office) or 202-738-3054 (cell).
The Society for Maternal-Fetal Medicine (est. 1977) is a non-profit membership group for obstetricians/gynecologists who have additional formal education and training in maternal-fetal medicine. The society is devoted to reducing high-risk pregnancy complications by providing continuing education to its 2,000 members on the latest pregnancy assessment and treatment methods. It also serves as an advocate for improving public policy, and expanding research funding and opportunities for maternal-fetal medicine. The group hosts an annual scientific meeting in which new ideas and research in the area of maternal-fetal medicine are unveiled and discussed. For more information, visit www.smfm.org or www.facebook.com/SocietyforMaternalFetalMedicine.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Study finds massively parallel sequencing can detect fetal aneuploidies, including Down syndromePublic release date: 10-Feb-2012 [ | E-mail | Share ]
Contact: Vicki Bendure vicki@bendurepr.com 202-374-9259 Society for Maternal-Fetal Medicine
DALLAS (February 10, 2012) In a study to be presented today at the Society for Maternal-Fetal Medicine's annual meeting, The Pregnancy Meeting , in Dallas, Texas, researchers will report findings that indicate that massively parallel sequencing can be used to diagnose fetal aneuploidies, including Down syndrome, Edwards syndrome, Patau syndrome and Turner syndrome.
Because of the importance of the clinical data, the abstract, entitled Genome Wide Fetal Aneuploidy Detection by Sequencing of Maternal Plasma DNA: Diagnostic Accuracy in a Prospective, Blinded, Multicenter Study, was given late-breaker status. The study demonstrated that it was possible to use massively parallel sequencing of maternal plasma DNA in combination with a proprietary algorithm to detect the three most prevalent fetal aneuploidies (an abnormal number of chromosomes in the fetus). With this clinical evidence, this prenatal test may be incorporated into routine prenatal care.
"This is the first prospective, multicenter, blinded clinical study to demonstrate detection of all fetal aneuploidies across the genome. It demonstrates the efficacy of massively parallel sequencing of maternal plasma DNA with optimized normalization," said Diana W. Bianchi, M.D., of the Mother Infant Research Institute at Tufts Medical Center, Boston, Mass., the study's presenting author. "Our sample included 2,882 women undergoing prenatal diagnostic procedures at 60 different U.S. locations. Importantly, this study is representative of clinical practice, by taking into account and reporting results from all whole chromosome aneuploidies."
The study correctly identified 89 of 89 cases of trisomy 21 (Down syndrome) with 100 percent sensitivity and specificity, and had a 100 percent positive predictive value for the three most common autosomal aneuploidies, trisomies 21, 18, and 13. The study also detected monosomy X (Turner syndrome) and other chromosome aneuploidies such as trisomies 16 and 20. This approach, if incorporated into prenatal care, will require far fewer invasive procedures to diagnose fetal aneuploidy.
In addition to Bianchi, the study was conducted by Lawrence Platt, David Geffen School of Medicine at UCLA, Obstetrics and Gynecology, Los Angeles, Calif.; James Goldberg, San Francisco Perinatal Associates, Prenatal Diagnosis Center, San Francisco, Calif.; Alfred Abuhamad, Eastern Virginia Medical School, Department of Obstetrics and Gynecology, Norfolk, Va.; Richard Rava, Verinata Health, Inc., Research & Development, Redwood City, Calif.; and Amy Sehnert, Verinata Health, Inc., Clinical Research, Redwood City, Calif.
###
A copy of the abstract is available at http://www.smfmnewsroom.org/annual-meeting/2011-meeting-abstracts/. For interviews please contact Vicki Bendure at Vicki@bendurepr.com, 540-687-3360 (office) or 202-374-9259 (cell), or Jacqueline Boggess at jacqueline@bendurepr.com, 540-687-5399 (office) or 202-738-3054 (cell).
The Society for Maternal-Fetal Medicine (est. 1977) is a non-profit membership group for obstetricians/gynecologists who have additional formal education and training in maternal-fetal medicine. The society is devoted to reducing high-risk pregnancy complications by providing continuing education to its 2,000 members on the latest pregnancy assessment and treatment methods. It also serves as an advocate for improving public policy, and expanding research funding and opportunities for maternal-fetal medicine. The group hosts an annual scientific meeting in which new ideas and research in the area of maternal-fetal medicine are unveiled and discussed. For more information, visit www.smfm.org or www.facebook.com/SocietyforMaternalFetalMedicine.
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?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
I trust this initial effort of mine on the planet of letters will discover a place amongst each novices and specialists within the tennis world. I?m striving to curiosity the student of the sport by a somewhat prolonged dialogue of match play, which I trust will shed a new light on the game.
Might I turn to the novice at my opening and communicate of certain matters which are second nature to the skilled player?
The most effective tennis tools is just not too good for the beginner who seeks really to succeed. It is a saving in the long run, as good high quality material to this point outlasts poor.
Always costume in tennis garments when participating in tennis. The question of selecting a racquet is a much more severe matter. I do not advocate forcing a certain racquet upon any player. All the usual makes are excellent. It?s in weight, steadiness, and size of handle that the real value of a racquet body relies upon, whereas good stringing is, essential to obtain one of the best results.
After you might have acquired your racquet, make a agency resolve to use good tennis balls, as a regular bounce is a good help to development, whereas a ?lifeless? ball is not any apply at all.
When you really need to succeed at the recreation and advance rapidly, I strongly urge you to see all the nice tennis you can. Research the play of the main gamers and attempt to copy their strokes. Learn all the tennis instruction books you may find. They are an ideal assistance.
More tennis might be learned off the court docket, within the research of idea, and in watching one of the best gamers in action, than can ever be learned in actual play. I do not mean miss alternatives to play. Removed from it (beach chair). Play at any time when possible, but attempt when taking part in to place in apply the theories you might have learn or the strokes you might have watched.
Never be discouraged at sluggish progress. The trick over some stroke you might have worked over for weeks unsuccessfully will abruptly come to you when least expected. Tennis gamers are the product of hard work. Very few are born geniuses at the game.
Tennis is a recreation that pays you dividends all of your life. A tennis racquet is a letter of introduction in any town. The brotherhood of the sport is common, for none but a great sportsman can succeed within the recreation for any lengthy period. Tennis offers rest, excitement, exercise, and pure enjoyment to the man who?s tied hard and fast to his enterprise until late afternoon. Age is just not a drawback. The tennis gamers of the world wrote a powerful web page within the history of the World War. No branch of sport sent extra men to the colors from every nation on the planet than tennis, and these men returned with glory or paid the supreme sacrifice on the field of honour.
The following order of improvement produces the quickest and most lasting results:
1. Concentration on the game.
2. Preserve the attention on the ball.
3. Foot-work and weight-control.
4. Strokes.
5. Courtroom position.
6. Courtroom generalship or match play.
7. Tennis psychology.
concentration. ?????
Tennis is played primarily with the mind. Essentially the most excellent racquet approach on the planet won?t suffice if the directing mind is wandering. There are a lot of causes of a wandering mind in a tennis match. The chief one is lack of curiosity within the game. Nobody should play tennis with an thought of actual success until he cares sufficiently about the recreation to be willing to do the drudgery mandatory in learning the sport correctly. Give it up without delay until you are willing to work. Conditions of play or the noises within the gallery often confuse and bewilder skilled match-gamers taking part in below new surroundings. Complete focus on the matter in hand is the only treatment for a wandering mind, and the earlier the lesson is learned the extra fast the development of the player.
The surest option to maintain a match in mind is to play for every set, every recreation within the set, every level within the recreation and, finally, every shot within the point. A set is merely a conglomeration of made and missed photographs, and the man who doesn?t miss is the ultimate victor.
New Health And Fitness.Org - Health Information You Can Use
We live in a world, where people are judged by their outer appearances prior to being judged by their personality. Even though as kids we are all reminded that it is not what is on a persons outside that matters, but what is on their inside, society does not share this same view. This is one of the main reasons why rhinoplasty surgeries have increased in popularity.
Rhinoplasty is a cosmetic procedure that is performed on a patient?s nose. Even though you would assume that this part of the body is not looked at that much, you would be entirely wrong with your assumptions. Any deformities that appear in this area of your body can give rise to tons of assumptions.
For example, many people view people that have long noses as being aged. A droopy nose is typically associated with being wicked. However, people that have a well shaped nose are normally seen as being modest. Finding the right medium between the different types of noses that are out there can be difficult to do.
Nose jobs give you the ability to alter your appearance. People choose to obtain nose jobs to increase or decrease the shape of their noses, change the tip portion of their noses, alter the bridge of their noses, or increase or decrease the span of their noses. This one procedure can help you obtain the type of nose that you have always wanted, but was not born with.
The main reason why people choose to have this procedure performed in the first place is to give themselves a nose that they are not ashamed of. The procedure is considered to be an outpatient procedure, because it only takes a few hours. The healing process is not that intense either.
In order to safeguard yourself before having the procedure performed, it is important that you locate an adept surgeon that is capable of performing the procedure. You should look around for doctors within your area that have an extensive amount of knowledge about performing this type of cosmetic alteration.
When searching for a surgeon it is important that you do not fall subject to a lot of the myths that circulate around this type of procedure. The procedure is not painful, it does not take a lot of time to do, and the healing time is not extremely long. In fact, in comparison to other major surgeries, having a nose job performed is simple.
The cost for the procedure varies based upon where you reside. However, you need to be aware that the higher the price you pay for the procedure, the better results you will typically get. In most cases, professional surgeons will charge higher rates than surgeons that have not been in the field for a long period of time.
Doing some research on the doctor that you are going to use to perform your rhinoplasty surgery is a good thing to do. Make sure that before having the procedure performed that you sit down with the doctor and have a one on one talk about what you expect from them.
When looking to enhance your appearance, Rhinoplasty Edmonton or plastic surgery Saskatoon are effective techniques to achieve a more beautiful appearance. A one-on-one personal consultant will help you choose.
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Singer Jessie J To Shave Her Head For Charity? Jessie J, who is known for her black bob, plans to shave her head for a good cause. The British singer plans on getting buzzed [...] Singer Jessie J To Shave Her Head For Charity? Stupid Celebrities Gossip Stupid Celebrities Gossip News Source: http://feedproxy.google.com/~r/stupidcelebrities/~3/tI2sCikrKGM/ ryder cup [...]
MYRTLE BEACH, S.C. ? Republican presidential candidate Rick Perry is blasting the Obama administration for intruding on states? rights. In a Republican debate in South Carolina Monday night, the Texas governor said the state ?is at war with this federal government and this administration.? He criticized the Obama administration for slapping down South Carolina?s voter [...]
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BERLIN (Reuters) ? The euro zone crisis seemed to vanish from the headlines for a brief moment as 2011 ticked over into 2012, but it is about to return with a vengeance. The coming months will be decisive in determining whether European leaders can hold their increasingly fragile currency bloc together or will stumble in [...]
Footbridge Media, the leading online marketing firm for home improvement contractors, has entered into a strategic partnership agreement with Nexstar? Network, the preeminent business-development and best practices organization for independent home service plumbing, heating, air conditioning and electrical professionals.
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The partnership gives Nexstar?s plumbing, heating, air conditioning and electrical professionals access to Footbridge Media?s Complete Marketing program, allowing them to achieve their own online independence, marketing, lead generation tools.
About Nexstar Network: Nexstar? Network is a business-development and best practices organization delivering comprehensive business training, systems and support to independent home service plumbing, heating and air conditioning professionals across the continent. For more information, call 888.240.STAR or email at info@nexstarnetwork.com.
About Footbridge Media: Since 2004, Footbridge Media has been providing website design, search engine optimization and ongoing website maintenance to the contracting industry throughout the United States and Canada. Unlike lead generation companies, Footbridge works with each contractor to design, develop and optimize their internet presence to create locally and organically ranked websites that drive business directly for a low fixed monthly fee. Footbridge offers a 90 day money back guarantee on all services and there are no additional charges, initial sign up fees or contracts of any kind. For more information, visit http://www.footbridgemedia.com.
About Aaron
Aaron O?Hanlon is a marketing consultant with Footbridge Media , a marketing firm, specializing in the contracting industry. He is also the web administrator to RenovateYourMarketing.com , a free marketing resource for contractors. It is his mission to create awareness of marketing online to the home improvement industry, and to educate, inform and assist contractors on taking over their own online presence.
[unable to retrieve full-text content]Reuters - A Mississippi man convicted of murdering two people during convenience store robberies was executed on Wednesday by lethal injection, becoming the first person to be put to death in the state this year, a corrections official said.
LONDON (AP) ? Three top works from the late Hollywood star Elizabeth Taylor's art collection have sold at a London auction for nearly 14 million pounds ($22 million), the auctioneer Christie's said Tuesday.
The lot's biggest-selling item was Van Gogh's "Vue de l'asile de la Chapelle de Remy," which used to hang in the living room of Taylor's Bel Air home. The tan-and-turquoise landscape was sold for more than 10 million pounds (nearly $16 million) to an anonymous telephone bidder.
The two other pieces, a self-portrait by Edgar Degas and a landscape by Claude Pissarro, sold earlier in the evening.
Marc Porter, chairman of Christie's Americas, called the works the "crown jewel" of the showbiz legend's collection, and he said in a statement that the auctioneer hoped for more positive results when it offered the rest of Taylor's art collection Wednesday.
Taylor died in March at age 79, and Christie's has been selling off her possessions piecemeal.
Last month, the auctioneer sold a 17th-century portrait that once hung over Taylor's fireplace for $2 million. In December, Christie's sold her collection of jewelry, fashion and memorabilia for well over $100 million, including $8.8 million for a diamond ring given to her by Richard Burton, whom she married twice.
[unable to retrieve full-text content]Comfortably position your head and neck for improved airway alignment to cut back the most prevalent causes of snoring, like sleeping on your own back again. ... Warning: The user of this pillow ought to check with with his/her medical doctor or health and fitness care provider for evaluation of obstructive slumber apnea or any other respiratory issues, if his/her snoring is accompanied by any of the following signs or symptoms: Repeated excessive daytime sleepiness ...
Sony Ericsson ST18A-GD Xperia Ray ST18a Unlocked Android Smartphone with 8MP Camera, Wi-Fi, Bluetooth and GPS ? Unlocked Phone ? US Warranty ? Gold>>>> Only $310.94 Best Buy The Xperia ray is fast, powerful and drop dead gorgeous Android camera phone. 9.4 mm thin and with a stylish aluminum frame: meet the Xperia ray Android phone. Watch videos and relive magic moments on the crisp 3.3? Reality Display with Mobile BRAVIA Engine. There?s power beneath the sleek surface too ? Xperia ray is fast, responsive and has a high capacity battery. When every smartphone on the market looks the same the Xperia ray stands out from the crowd. Elegant, precise lines. Flowing curves. The scratch-resistant mineral glass and 3.3? Reality Display with Mobile BRAVIA Engine makes videos and photos pop right out. Sony?s Exmor R for mobile CMOS sensor lets you capture high-quality, bright pictures and videos in poor light conditions. Slim, but oh so fast and powerful. Xperia ray comes with a responsive touchscreen and a high capacity battery. Watch videos, talk to friends and listen to music as long as you want.
Internal phone storage: Up to 300MB free. RAM: 512MB. Memory card slot: microSD, up to 32GB (4GB card included)
Camera: 8.1 MP, Digital zoom ? up to 16x, Aperture ? f/2.4, Auto focus, Geo tagging, Front-facing camera (VGA), Red-eye reduction, Flash / light type, Video light, Video stabilizer, Smile detection, Face detection, Sony?s Exmor R for mobile CMOS sensor
Keyboard ? Onscreen 12 key and QWERTY, Reality display with Mobile BRAVIA Engine, Touchscreen, Auto rotate
Synchronization ? Exchange ActiveSync, Google Maps ? with Street View, WiFi, USB mass storage, 3.5 mm audio jack, DLNA Certified, Bluetooth technology, aGPS, Micro USB support
If you?re attempting to establish which personal finance software are optimal, there?s not really a single answer to that question. What you really should do is establish the programs that are the greatest for you, rooted on your present requirements and situation. Prior to acquiring any software, it?s a smart idea to take a really careful look at the highlights and glance at some customer evaluations to see if there are any objections toward it. To help you get a clearer picture about this kind of software, we?ll be looking at some of the most popular programs and their features.
A lot of these programs will offer a "free trial" so you can try before you buy. If you?ve never used a program before, this is something you should take advantage of.
Free trials are often limited as to what features you can access but they often give you enough access to know if it?s the right one for you. The basic setup and ease of use are two considerations you?ll have access to in the free period. Before you buy a program you want to be sure it?s right for you.
Moneydance is personal finance software that?s not as well known as Microsoft Money or Quicken, but that has features that make it worthy of consideration. This program allows you to access all the features from one page, so it?s quite user friendly. Since all of your information can be viewed on one page, it?s easy when you have to access or update it. Some of the tasks it can help you with include online bill paying and advising you about making important financial matters. One of the best things about Moneydance is the 100 transaction free trial period it gives you. You have plenty of time to figure out if you find it helpful or not.
MoneyStrands is a kind of personal finance software for the Internet, which is free and aids you in keeping tabs on your money and provides you with advantageous money management hints. This program makes it effortless to track every one of your financial accounts, like checking, savings and credit cards to offer you an overall picture of your financial status. Furthermore, it has a free iPhone app that lets you retrieve data from your phone. Besides the financial tools, MoneyStrands is similar to a social network, as it persuades you to get in touch with other members and trade information and hints. The service also makes recommendations to you based on your lifestyle and financial situation.
Whether you download a program or use an online service, there are many good personal finance software. These software are mostly made for average people, so they?re not hard to figure out or understand. You?ll soon get into the habit of using such a program to understand your financial situation and make more informed decisions about your money.
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Prisoners suffer disproportionately from past traumatic brain injuries. Researchers are hunting for the best tools to treat this population in an effort to help them reintegrate into society--and avoid re-incarceration
By Katherine Harmon
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February 4, 2012
Hitting prisoners hard: Traumatic brain injuries, including previous concussions, affect a disproportionate segment of incarcerated adults--and might be to blame for behavioral issues and many cases of re-arrest.Image: iStockphoto/LOUOATES
A car accident, a rough tackle, an unexpected tumble. The number of ways to bang up the brain are almost as numerous as the people who sustain these injuries. And only recently has it become clear just how damaging a seemingly minor knock can be. Traumatic brain injury (TBI) is no longer just a condition acknowledged in military personnel or football players and other professional athletes. Each year some 1.7 million civilians will suffer an injury that disrupts the function of their brains, qualifying it as a TBI.
About 8.5 percent of U.S. non-incarcerated adults have a history of TBI, and about 2 percent of the greater population is currently suffering from some sort of disability because of their injury.
In prisons, however, approximately 60 percent of adults have had at least one TBI?and even higher prevalence has been reported in some systems. These injuries, which can alter behavior, emotion and impulse control, can keep prisoners behind bars longer and increases the odds they will end up there again. Although the majority of people who suffer a TBI will not end up in the criminal justice system, each one who does costs states an average of $29,000 a year.
With more than two million people in the U.S. currently locked up?and millions more lingering in the justice system on probation or supervision?the widespread issue of TBI in prison populations is starting to gain wider attention.
A few pioneering programs offering rehabilitation to prisoners?and education to families and correctional staff about TBI?are underway around the country. And several studies aim to ascertain the best ways to handle this huge population. "It's not as cut-and-dry as a lot of people think," says Elisabeth Pickelsimer, an associate professor at the Medical University of South Carolina. Some of the best options so far include cognitive therapy for prisoners and education for the people around them.
The kicker seems clear to many researchers: "If we don't help individuals specifically who have significant brain injuries that have impacted their criminal behavior, then we're missing an opportunity to short-circuit a cycle," says Peter Klinkhammer, associate director of services at the Brain Injury Association of Minnesota.
One hard knock
Concussions are the most common type of brain injury, and about 85 percent of people who suffer one will more or less fully recover within a year. But for those who do not, lingering symptoms, such as headaches or increased irritability, can get in the way of everyday functioning.
Many of the behavioral issues that result from a TBI are due to the nature of the impact itself. In an accident or altercation, the brunt of the blow is often borne by the front or top of the head?right around the frontal lobes where behavior is regulated.
Interactive by Ryan Reid
This sort of injury can be loosely compared with a computer glitch: "If something went wrong with the central processing unit, it might be slower?you couldn't save documents as easily?but it might chug along," says Wayne Gordon, a professor of rehabilitation medicine at Mount Sinai School of Medicine. Traumatic brain injury can lead to attentional and memory deficits as well as increased anger, impulsivity and irritability?which make for a poor match with the corrections world.
LAS VEGAS -- It wouldn't be a Josh Koshceck fight if the fans weren't trying to boo him out of the building, would it?
Everyone's favorite UFC villain was it again on Saturday night at UFC 143, frustrating the crowd during his fight against Mike Pierce and taunting them on the mic afterwards. Koscheck took a split-decision victory every bit as close as it sounds, winning on two of three judges' score cards, 29-28.
"Hey, you guys boo me all the time," Koscheck said in his post-fight interview with Joe Rogan. "I'm the most hated guy in MMA, guess what, deal with it man! I find a way to win."
Round one was a very close affair; a tight positional battle with lots of grappling. According to Compustrike, Pierce outlanded Koscheck 22-16 in the round.
In round two, Koscheck picked up the pace and opened up a deep cut in Pierce's scalp, above his left eye. Koscheck landed a late takedown fairly easily, but couldn't do much with it.
At the start of round three, the Mandalay Bay Events Center crowd serenaded Koscheck with a "Koscheck sucks" chant, then another close round ensued. Koscheck then further aggravated the crowd with an apparent eye poke late in the round.
Judge Junichiro Kamijo gave Pierce rounds one and two; Jeff D'Amato and Jeff Collins both gave Koscheck rounds two and three.
"Mike Pierce is a tough guy," said Koscheck (19-5) "I knew this going in."
Koscheck has won both of his fights since returning from a broken orbital bone he suffered in his Dec. 2010 loss to Georges St-Pierre.
Even though Facebook has not yet taken its stock offer public, one woman has been selling shares of the social-networking giant online for nearly four months. In fact, she paid for $13,980 worth of home improvements using the shares and ripped her contractor off for another $10,000 in cash for ?additional stock.? And before you get worried that you missed the boat: It was all fake[1]. Marianne Oleson told would-be investors that her daughter was acquainted with Facebook founder Mark Zuckerburg and had received early access to $1 million worth of shares in the company. She sold nearly $45,000 worth of fake stocks before being caught due to lying about her name and ?various oddities on documents referring to the transaction.?
Facebook will offer a share sale this spring and is hoping to raise $5 billion[2]. Some analysts project that the actual number will near $10 billion, while others say that this ?craziness? is disturbingly reminiscent of the dotcom bubble in the 1990s. If the IPO is successful, many Facebook employees will become ?instant millionaires? because nearly a third of the company is owed by its employees. Facebook is presently undergoing the SEC?s mandatory ?quiet period? for IPOs, during which federal securities laws limit the release of information about a company and the SEC evaluates the true validity of the IPO[3].
Would you have been tempted by this fake, early stock offering? Are you going to invest in real Facebook stock?
Thank you for reading the Bryan Ellis Investing Letter!
Bad Credit Loans Approved ? launches their new secure express three minute payday loan application and personal financeresource center. Customers can now get a short term loan and learn how to dig their way out of debt while their application processes.
Lusby. Maryland (PRWEB) January 31, 2012
http://www.badcreditloansapproved.com makes applying for a personal loan online a stress free enjoyable process with their new express application. Bad Credit Loans Approved ? long term goal is to teach it?s customers how to become financially stable so they don?t need loans.
Bad Credit Loans Approved ? is an established loan matching service that is well know and regarded as the top service in the payday loan industry. They are constantly striving to improve user experience which has resulted in a new express loan application and personal finance resource center.
The new express payday loan application was structured with the customer in mind. The simple two page application and real time transferring of data results in an almost instant loan status notices for the customer. To apply a customer will complete the cash advance loan application found here https://www.badcreditloansapproved.com/secure/bad-credit-loans/ and typically under 12 hours will get a response if approved.
The personal finance resource was launched to help customers learn how create financial stability in their life. Bad Credit Loans Approved ? will help their customers secure personal loans but ultimately want the customer to secure their financial freedom.
There are currently six well formatted articles that create the personal finance resource center. These articles can be found in the top navigation bar and include content about your credit score, credit repair, bankruptcy, retirement planning, 401K and debt consolidation information.
?We don?t just provide a bad credit loans matching service. We truly want to help people dig their way out of debt and release them self of financial burden?. Bad Credit Loans Approved ? is a growing loan matching business that truly cares about their customers. They will continue to provide a service to not only help people secure cash but to help educate them about finances.
As always please remember that payday loans should be used as short term loan solutions because they will have a higher interest rate than traditional loans.
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Steven Parker Bad Credit Loans Approved 888-806-1844 Email Information
A number of ebooks have been added to Oxford Scholarship Online. All titles can be found via the library catalogue, or you can go directly to OSO. There are now nearly 500 law titles available through this provider, so it is worth searching by keyword within the Oxford web site, especially if you are studying Constitutional Law, Human Rights, Legal Philosophy or Public International Law.
Recently added titles are as follows:?
* God and moral law: on the theistic explanation of morality / Mark C. Murphy. *The access of individuals to international justice / Ant?nio Augusto Can?ado Trindade. *The foundations of European Union competition law: the objective and principles of Article 102 / by Renato Nazzini. * Administrative law and policy of the European Union / Herwig C.H. Hofmann, Gerard C. Rowe, Alexander H. T?rk. * The legal construction of personal work relations / Mark Freedland and Nicola Kountouris. * Lords of the land: indigenous property rights and the jurisprudence of empire / Mark Hickford. * The ends of harm: the moral foundations of criminal law / Victor Tadros.? * World trade law after neoliberalism: re-imagining the global economic order / Andrew Lang.? * The right to health in international law / John Tobin.? * International harmonization of economic regulation? / Junji Nakagawa ; translated by Jonathan Bloch and Tara Cannon. * The emergence of EU contract law : exploring Europeanization / by Lucinda Miller. * International law and domestic legal systems: incorporation, transformation and persuasion / edited by Dinah Shelton. * Reflections on The concept of law / A.W. Brian Simpson. * Testamentary formalities? / edited by Kenneth G.C. Reid, Marius J. de Waal and Reinhard Zimmermann. * Aboriginal title: the modern jurisprudence of tribal land rights / by P.G. McHugh. * EU foreign investment law / Angelos Dimopoulos. * Sovereignty's promise: the state as fiduciary / Evan Fox-Decent. * The ethics of capital punishment: a philosophical investigation of evil and its consequences / Matthew H. Kramer. * The ethics of plea bargaining / by Richard L. Lippke. * Formalism and the sources of international law: a theory of the ascertainment of legal rules / Jean d'Aspremont. * Securing human rights?: achievements and challenges of the UN Security Council / [edited by] Bardo Fassbender. * The structures of criminal law / [edited by] R.A. Duff ... [et al.]. * Law's relations: a relational theory of self, autonomy, and law / Jennifer Nedelsky. * Sovereign equality and moral disagreement: premises of a pluralist international legal order / Brad R. Roth. * Humanity's law / Ruti Teitel. * Well-being and fair distribution: beyond cost-benefit analysis / Matthew D. Adler. * On the frontlines: gender, war, and the post-conflict process / Fionnuala N? Aol?in, Dina Francesca Haynes, Naomi Cahn. * Federalism and the tug of war within / Erin Ryan. * A doubtful and perilous experiment: advisory opinions, state constitutions, and judicial supremacy / Mel A. Topf. * Comparative law as transnational law: a decade of the German law journal / [edited by] Russell A. Miller, Peer C. Zumbansen. * The responsibility to protect: the promise of stopping mass atrocities in our time / edited by Jared Genser???? * Retributivism has a past: has it a future? / edited by Michael Tonry. * The end of negotiable instruments: bringing payments systems law out of the past / James Steven Rogers. * Native claims: indigenous law against empire, 1500-1920 / edited by Saliha Belmessous.
Any business man will tell you that improving profits is a constant concern for a business owner. However, improving the health of the people?s self esteem in the organization is on area that is often overlooked. If you can manage to accomplish that, then the productivity of your work force will increase by orders of magnitude. An added bonus may also be that you begin to see fewer problems within your work force. If you think about it, a person will most often take better care of themselves if their sense of self is healthy. As a business owner, you will see a large payoff, because your work force will become healthier. With these three methods you can begin to change the atmosphere of your business, thereby improving the overall health of your business.
The first strategy is to simply start by improving your own self esteem. Belief in this process is essential, since without it, your chances of success are less. Begin to research ways to improve your own self esteem then. You may need to read the professional literature and research that will show you why a healthy sense of self esteem is so important to people. On an intuitive level we all know this to be true, however. What most people don?t consider is the marked improvement in your business will last for years. Another upside, is positive attitudes are contagious and this may be an easier process than you think.
As the head of your organization, you need to take the initiative to develop the core strengths of your business. One of the best ways to do this is to make sure your leaders understand the importance of healthy interpersonal skills. This deals mainly with positive communication skills that will best serve the interests of your workers and business. These positive skills include managers and supervisors always treating their subordinates with respect. Employees should never be treated badly or humiliated in public or in private settings.
Everyone likes to feel appreciated for their work, especially in the work place. Especially in the US, millions of people don?t feel appreciated at work. Worker dissatisfaction is currently at an all time high. Don?t ever think that if people can just feel positive about their work and jobs, it won?t reward you with better effort, productivity, and performance across the board. Consider setting up a program that allows your employees to know that you and the entire management team appreciate all their hard work.
If you wish to improve the self esteem of your work force, then be sure to implement any of these strategies into your business. Multiple options and plans exist for your own implementation. Professional consultants, whose primary focus is effective approaches to this problem, are also available to guide you.
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There are many circumstances that can be responsible for filing personal bankruptcy; loss of employment, out of control expenditures, unexpected medical bills, or divorce. Filing for personal bankruptcy is always traumatic and an individual should never file as an easy way to get out of trouble. Before filing, other repayment options should be examined, like selling assets, including an extra home, boats, jewelry, etc. Consumer credit counseling is often another option, but if you realize you can't keep up with the payments, you should take action quickly. Ignoring the problem will only make it worse as creditors pile on late fees and take legal action to take your property and wages.
When a decision to file for bankruptcy is made, ensure that your home, furniture, and other essentials are protected. All your exempt assets can be kept. Work with experienced attorneys in order to achieve the best results. Look for Anderson bankruptcy attorneys who handle many such cases and have a well-managed system for forms and filing. Ask for a referral from an attorney you trust, or obtain a referral from friends or colleagues who have been through the personal bankruptcy process. Having a knowledgeable lawyer who you are comfortable with will make all the difference in the outcome of your case.
The decision to file for personal bankruptcy is a difficult one. Because of new laws and the differences between filing Chapter 7 and Chapter 13 bankruptcy, facing the process alone can be overwhelming. Obtaining the services of Anderson bankruptcy attorneys will ease the fairly complicated process of filing for personal bankruptcy.
You will need to gather your personal financial information, such as tax returns for the last two years, property deeds, car titles, loan papers, information on secured and unsecured loans, and pay stubs. Then begins the long process of filling out forms, or schedules, which detail your financial history for the last two years. After the petition is filed, your creditors will be contacted to inform them that you are filing for personal bankruptcy.
Once you have filed, your creditors are no longer allowed to contact you or to collect money from you. No more harassing creditor calls, credit card payments, lawsuits and foreclosures. As stressful as it may be to file for personal bankruptcy, in the end keep in mind that you will have a clean slate and a new beginning.
When faced with overwhelming debt and the possibility of bankruptcy, Anderson Bankruptcy Attorneys can help get your financial situation back under control.
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Footbridge Media, the leading online marketing firm for home improvement contractors, has entered into a strategic partnership agreement with Nexstar? Network, the preeminent business-development and best practices organization for independent home service plumbing, heating, air conditioning and electrical professionals.
LAS VEGAS -- It wouldn't be a Josh Koshceck fight if the fans weren't trying to boo him out of the building, would it?