Despite the various steps taken by the Central Bank of Nigeria and licensed Bureaux De Change (BDCs) to restore the naira’s glory, the local currency has been on the ropes for nearly two years. Last week, the Association of Bureaux De Change Operators of Nigeria (ABCON) inaugurated the Uniform Weekly Exchange Rate for Licensed Bureaux De Change Portal to implement and monitor unified rate across board. The ABCON portal, which comes alive today, is expected to ensure fair pricing and stability for the naira, herald exchange rate convergence and diminish the influence of currency speculators hurting the economy, reports COLLINS NWEZE.
•BDC operators eradicate multiple exchange rates
BUREAU de Change (BDC) operators have been looking up to this week with high hopes. They will be receiving the first batch of dollar sales for the year from the Central Bank of Nigeria (CBN), with the cash expected to boost dollar liquidity and strengthen the naira against the greenback.
Besides, the BDC operators, under the aegis of Association of Bureaux De Change Operators of Nigeria (ABCON), will today begin the implementation of the newly launched Uniform Weekly Exchange Rate for Licensed Bureaux De Change Portal.
The portal is being launched to promote exchange rate convergence and achieve uniform exchange rate for the naira against the greenback across all licensed BDCs. It was created with the understanding that the Foreign Exchange (forex) market is driven by information flow. The positive information flow, it is believed, will translate to better pricing for the naira and improved investment sentiments among others.
Having recognised these facts, the ABCON, the umbrella body for all CBN-licensed BDCs, last Tuesday, lunched the Uniform Weekly Exchange Rate for Licensed Bureaux De Change Portal.
ABCON President Aminu Gwadabe, who launched the portal at a media forum in Lagos, said the technology will bring exchange rate convergence, eradicate currency speculation and ensure the naira’s speedy recovery against the dollar.
According to him, such feats are in line with CBN Governor Godwin Emefiele’s plan to stabilise the naira and boost investors’ confidence in the local economy. The CBN chief told BDCs at a meeting that he was looking at ways to boost dollar liquidity and eliminate the spread at the parallel market.
The apex bank’s chief also promised not to devalue the naira again.
The decline in the prices of oil since mid-2014, cut government revenue and triggered currency controls that crippled industries and contributed to contraction of the nation’s economy.
Last June, the authorities removed a 15-month currency peg to attract inflow. Although the naira has plummeted almost 40 per cent since the unit was floated, traders said it is still being managed by the government. The rebound in oil prices has helped the country in boosting its forex reserves to $26.7 billion as of January 10.
According to Gwadabe, the BDCs Weekly Rate was launched to make it a reference point for realistic rates in the market that will boost foreign investment inflows, displacing the damaging effect of foreign media platform like Abokifx.com to the economy.
Gwadabe was confident that with the gradual recovery in crude oil prices, enhanced commitment of the CBN to economy diversification which has led to rising production of local rice and drop in import bills, as well as President Muhammadu Buhari’s political will to implement key economic reforms, the task of achieving a single determined exchange rate will be achieved.
He urged the media and general public to adopt a single rate in their reporting and forex dealings, and also always quote rate on the ABCON website- www.abcong.ng for consistency and uniformity of reporting.
The ABCON chief reiterated the need for the public to deal with CBN-licensed BDCs only and urged the public to report errant operators for necessary sanction.
“ABCON wishes to reiterate its willingness to embark on a comprehensive media campaign on the roles, activities and location of members nation-wide so as to provide a guide to the public in dealing with only CBN-licensed BDCs and for the public to report any errant operator for necessary sanction”, he said.
Gwadabe informed that the CBN will impose between N500, 000 to N2 million fines on any BDC operator that violate regulatory policies and while such operators may also face license suspension.
He called for public support for ABCON’s determination to highlight positive rates development in the market through the BDCs Weekly Rate for media coverage which was launched at the event.
“We also seek your support and partnership to assist the CBN and government to eliminate or reduce to the barest minimum, activities of parallel market operators. We also want to, through our partnership with you, give visibility to registered BDCs in the market and create more awareness on the role of operators in selling forex to the retail end of the market,” he stated.
The ABCON chief spoke of the need for the CBN and Federal Government to harmonise the multiple official exchange rates in the country and adopt a unified rate for transactions.
Calling for the adoption of a single forex market rate system, Gwadabe said that licensed BDCs will post an exchange rate every Monday on its website from January 16 to “highlight positive rate development in the market” and counter domains such as Abokifx.com, which publishes ‘high’ unofficial prices daily.
Trading in the parallel market became more regular since 2014 after the CBN strengthened capital controls as crude oil prices tumbled at the global market. Dollar trades for about N490, compared with the official rate of about N315.
Gwadabe, who said that the BDCs will initially quote a rate of N399/$, added that the parallel market rates will be disregarded as they were not recognised by law, raising the hope that exchange rate will continue to improve in the course of the year, despite the challenges being faced in the forex market.
Stakeholders seek transparent price discovery
Associate Research, Eczellon Capital Limited, Mustapha Suberu, said there was need to allow a transparent price discovery in the market, which he believed would stimulate dollar inflows into the economy and subsequently, lead to local currency stability.
He called for more transparent forex market that would allow foreign investors to invest in the economy and bring about positive market-determined rate.
Managing Director, Afrinvest West Africa, Ike Chioke, said the incorporation of a long-term diversified strategy in fiscal policy is required to cushion shocks in various segments of the economy and revive the naira.
To him, the persistent pressure on the naira could have been minimised if a counter fiscal policy had been developed, as the CBN cannot continue to defend the naira with foreign reserves.
Chioke said: “To reduce this pressure, an inward looking policy (tax incentives, infrastructure development and production subsidy) should be emphasised to reduce the dependence on imported goods.”
Apart from oil receipts, the development of the agricultural sector will in the short-term reduce the forex burden of food imports and on the long run, enhance foreign receipts if its comparative advantage in the sector is efficiently deployed.
A BDC Operator and Managing Director, E.M Consolidated Investment Limited, Emeka Moses, said the BDCs always make returns to the CBN which monitors and sanctions defaulters.
He said the introduction of Bank Verification Number (BVN) has made it easier for the CBN to detect and monitor BDCs for compliance. “I want the CBN to continue to carry out spot checks on BDCs and ensure that those that violate regulatory guidelines are sanctioned”, he said.
Moses said the portal will enables the public to know the prevailing rate at each day and demand adherence to such rate during transactions.
“If the public knows the rate, it will be easier to detect and spot BDCs that sell above such rate, and get them reported to regulators,” he said.
A former Executive Director with Keystone Bank, Richard Obire, said that the implementation unified rate across all CBN- registered BDCs by ABCON will bring sanity to the forex market. Obire said: “I do not know how the group wants to achieve this but if well implemented, it will bring orderliness to the market. It is easier to achieve such feats Personal Travel Allowance and Business Travel Allowance transactions. It is really a good initiative that will reduce the level of uncertainty in the market.”
Revenue leakages on Diaspora funds lingers
The Federal Government has been losing billions of dollars as Nigerians in Diaspora avoid official transactions when remitting dollars home.
Going by the figures released by Senior Special Assistant to the President on Foreign Affairs and Diaspora Matters, Mrs. Abike Dabiri-Erewa, Nigerians in the Diaspora sent home $21 billion in 2015, which boosted the local forex market last year.
Mrs. Dabiri-Erewa said: “In 2016, they remitted $35 billion which is higher than what was remitted in 2015. This remittance by Nigerians living abroad is the highest in Africa and the third largest in the world.”
But Gwadabe disclosed that less than five per cent of the $35 billion remitted in 2016 was officially captured by the CBN because of exchange rate divergence, which discourage Nigerians in Diaspora from sending their funds home through official channels.
He said that harmonisation of the multiple exchange rates in the country, will make the rate for Diaspora remittances more attractive to Nigerians in Diaspora.
His words: “The single forex rate has succeeded in Egypt. Nigeria should block all forex leakages to make it work in the country. Forex market is an information-driven market. The type of information you release helps to swing rates and would also help the CBN’s plan to achieve single exchange rate,” he said.
Gwadabe said the ABCON has been working very hard to build public confidence in registered BDCs because the forex market is driven by perception adding that the ideal rate for the naira is N400/$ even as speculation is hurting the local currency.
He urged the CBN to stop banks from selling Personal Travel Allowances (PTAs) and Business Travel Allowances (BTAs) to travellers and assign the role to BDCs.
Will economic buffers save the naira?
Gwadabe urged the Federal Government to build strong buffers for the naira to withstand headwinds that come during economic crisis like in other climes.
The United Arab Emirates (UAE) for instance, has more than $400 billion in their reserves. The buffer is big enough for UAE to protect its local currency at any given time.
“But the Federal Government and the CBN have stood their ground for a very long time by not allowing naira to float freely. The advantage of the flexible forex regime is that the volatility you see, whereby naira everyday is getting weaker, once it goes up, another thing will bring it down,” he said.
Continuing, he said: “The fact is that when you talk of BDCs, there are parallel market operators and black market operators. The parallel market is the opposite of official market.
“So, the BDCs are not parallel market operators. There are over one million parallel market operators in this country and they have been here even before the coming of the CBN. They have been here even before the CBN licensing the BDCs in Nigeria”.
Noting the big difference between a parallel market operator and his BDCs counterpart, he said: “And if you look at it, last year, we were branded the black sheep in the industry. In India, the BDCs generate over $30 billion from the Diaspora remittances.
“In United Arab Emirates, the entire banking needs of banks are met by the BDCs. The working of the Lebanon economy is highly dependent on the activities of BDCs in that country. I want stakeholders to support Nigeria BDCs in building the economy.”
BDCs embrace automation of processes
On the ongoing automation of BDCs’ operations that will help online real-time operations and enhancement of compliance among operators, Gwadabe said the facility would boost operational transparency, ease of public accessibility of BDCs’ procedures, returns rendition and regulatory supervision.
Gwadabe said: “We want to introduce certification for registered BDCs. The ABCON is also coming up with schools that will train and retrain members and encourage record keeping. We believe that once we are able to introduce measures that make the operations of parallel market irrelevant, they will be eradicated.”
He said that ABCON members have been pushing to become sole handlers of PTA and BTA and also raising their operational modalities to ensure they become agents of International Money Transfer Operators (IMTOs).
Gwadabe said that despite the challenges facing the economy, the CBN and BDCs will continue to work together and find sustainable solutions that can help the country wriggle out of the ongoing forex crisis and achieve full economic recovery.
He said: “We have continuously assured the CBN and taken appropriate measures to ensure that purchased funds are disbursed to end users and for eligible transactions only. We also render weekly returns on purchases from the banks to Trade and Exchange Department of the apex bank. We also ensure strict compliance to the provisions of the anti-money laundering laws observance of appropriate Know-Your-Customer principles in the handling of forex transactions.”
The CBN, last week, confirmed the operating licenses of 3,147 BDCs that met its N35 million mandatory capital base. The reviewed list was the first since May 29, last year, when the apex bank approved 2,998 operators to meet customers’ forex needs at the retail-end of the market.
The CBN said the new approvals in BDCs were in line with its plan to deepen the forex market by getting more operators involved in the retail-end of the market.
Gwadabe said that the licensing of new BDCs was a positive development that is expected to deepen dollar liquidity in the system.
Disclosing that the apex bank has a mandate to review the list of operators on quarterly basis, Gwadabe added that the list grew to 2,998 from 1,400.
“There are more approvals expected. It is a welcome development,” he said.


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Stablecoins such as USD Coin (USDC) and Tether (USDT) have reached another landmark with respect to accumulation by cryptocurrency exchanges. As per the market info provider CryptoQuant, holdings of stablecoin on cryptocurrency exchanges across the globe jumped to a fresh all-time peak on March 28, surpassing $10 billion.
Cryptocurrency exchanges currently hold about 16% of aggregate market value of all stablecoins, with stablecoin market cap accounting to $63 billion while preparing this article, as per data provided by CoinGecko.com. The aggregate trading volume of entire chunk of stablecoins is assessed to be roughly $88 billion.
As per CryptoQuant data, net stablecoin holdings on cryptocurrency exchanges have been consistently recording all-time peak in 2021, jumping over 100% in last two months. Stablecoin inflows are usually seen as a near-term indicator of bullish rally for Bitcoin (BTC), indicating that sidelined capital is entering again into Bitcoin.
In addition to rising stablecoin accumulations, some other indicators such as CryptoQuant’s All Exchange Stablecoin Ratio could likely indicate another rally in cryptocurrency markets. Crypto Seer, a technical analyst, stated that the indicator has hit the lowest mark since November 2020.
He stated: “Each time this ratio has gone so low is marked by periods of significant strength for $BTC. The significant reduction in on exchange supply for BTC can be noticed here.”
The measure reflects Bitcoin holdings divided by the entire stablecoin reserves possessed by cryptocurrency exchange, indicating likely selling pressure. Notably, the recent landmark of stablecoin has come at a time when credit card behemoth Visa is trialing its foremost settlement mechanism in USD Coin on the Ethereum blockchain. After Tether, USD Coin is the second biggest stablecoin backed by the reserves of greenback.
All stablecoins holdings across all exchanges hit the all-time high, and now it's $10B.
— CryptoQuant.com (@cryptoquant_com) March 29, 2021
With respect to Visa’s initiatives related to USDC, Ki Young Ju, CEO of CryptoQuant, said “I smell crypto mass adoption here.” Ju stated that the surge in stablecoin holdings on cryptocurrency exchanges could be an outcome of further US investors venturing into the market.
“Stablecoin holdings across all exchanges could indicate potential buying power. Since last year, stablecoin market was mostly dominated by Tether, but now the market is evenly shared with other stablecoins like USDC, BUSD, HUSD, and etc. This stablecoin holdings surge came from the rise of USDC, which might indicate more US investors coming to this industry.”
The All Exchange Stablecoin Ratio has reached lows not seen since November. Each time this ratio has gone so low is marked by periods of significant strength for $BTC. The significant reduction in on exchange supply for BTC can be noticed here. @cryptoquant_com pic.twitter.com/THwkuCkavt
— Seer (@crypto_seer) March 28, 2021
As per CryptoQuant, USDC holdings on cryptocurrency exchanges have increased to more than $2.20 billion, while the market cap is about $11 billion.

domain: news


1. Get a website up at CPS that has all of the schools that are part of the Repurposing Committee's purview, with location and information about each of the buildings. There will be a mechanism to give feedback directly onto the website. There will be drop down categories of re-use (ie, housing, education, commercial, etc.) and a category for "other", so that citizens may suggest other uses. Suggestions may be general, anonymous, or directed toward a specific building. 2. Work with the Aldermen. CPS and the Repurposing Committee will debrief aldermen on overall recommendations of the committee and set up the community process for each community. 3. Convene CAC's to get input and ask CAC for involvement in community meetings getting an idea of the different uses. Alternative education, housing, etc. Prospective proposers will have an opportunity to submit their ideas, and information about the meetings and process will be made available to the community. Likewise, information about the different proposing organizations and technical assistance providers will be made public. The Repurposing Committee will provide aldermen with a baseline approach to community outreach. There will be aldermanic meetings that will provide an opportunity for the Repurposing Committee to assess the extent to which certain themes "bubble up", and determine what is financially viable (meaning, the proposers must provide ideas that are financially feasible). I personally committed to helping get the word out regarding the process and website.
3. The mechanisms that are in place to ensure authentic community voice, including feedback from parents, residents, PAC's, LSC's, NAC's and CAC's
Ms. Harte agrees that it is important to get feedback from various community stakeholders and to ensure authentic voice. She is working with the Repurposing Committee and CPS to see how they can feasibly get input from people on the ground.
4. The mechanisms and processes that are in place for community stakeholders to develop community plans and secure technical assistance
Ms. Harte reiterated that organizations like the
Landmarks Preservation Council of Illinois;
BauerLatoza Studio, an architecture firm with an emphasis on preservation and sustainable design (as an added resource, the firm has launched a Chicago Historic Schools website: http://chicagohistoricschools.wordpress.com/);
Urban Land Institute Chicago and the
Metropolitan Planning Council. I suggested that the list should also include CMAP, who has a Local Technical Assistance Program for communities wishing to engage in a community planning process. CMAP has initiated 126 local projects with local governments, nonprofits, and intergovernmental organizations to address local issues at the intersection of transportation, land use, and housing, including the natural environment, economic growth, and community development. The


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Senior Housing Capital, LLC v. SHP Senior Housing Fund, LLC, C.A. No. 4586-CS (Del. Ch. May 13, 2013) (Strine, C.)
In this memorandum opinion, the Court of Chancery awarded the plaintiff substantial payments, pre-judgment interest and attorneys’ fees and costs. Plaintiffs, entities that managed and invested in a fund that owned retirement homes, asserted breach of contract claims against its co-investor for, among other things, attempting to wrongfully lower the amounts of certain of the payments and failing to make those and other contractually guaranteed payments. The Court found in favor of plaintiffs on all counts and dismissed all of defendants’ counterclaims.
The contract at issue in the case was an LLC Agreement (the “Agreement”) between plaintiff SHP Asset Management and certain of its affiliates (collectively, “SHP”), and the California Public Employees’ Retirement System (“CalPERS”). The Agreement governed the relationship of SHP and CalPERS in connection with an investment fund (the “Fund”) that was approximately 95 percent owned by CalPERS and the remainder owned by some of the plaintiff entities. In addition to owning an approximate 5% interest in the Fund, SHP also managed the Fund and, for most of the life of the Fund, the underlying properties. Pursuant to the Agreement, upon withdrawal as manager of the Fund, SHP was entitled to (1) an incentive distribution based on the value of the Fund as of December 31, 2007 and the amount of cash distributed to CalPERS over the life of the Fund, and (2) the value of its 5% membership interest, in addition to other payments. According to the Agreement, the payments were, in the absence of an actual sale of the properties, to be calculated based on the value of the Fund’s assets, Florida senior housing properties, as reflected in annual appraisals. The most recent ordinary course appraisal of the senior housing properties that comprised the Fund’s assets had been completed in January 2008 for the year ended 2007 by Duff & Phelps, an appraiser selected by CalPERS. In conducting the appraisals, Duff & Phelps had been instructed by CalPERS not to rely on SHP and to independently review and verify all data, because CalPERS knew that the Duff and Phelps’ appraisals would be the primary component of the incentive distribution it would eventually owe to SHP. The Court found that Duff & Phelps carried out those instructions, even preparing its own projections. CalPERS was apparently unhappy with the amount of the payout based on the appraisals. Having no other basis to dispute the appraisals or appraisal process, however, CalPERS authorized Duff & Phelps to issue final appraisals in early 2008.
In June 2008, SHP notified CalPERS of its intent to withdraw as manager of the Fund, making it apparent that the incentive distribution would be due on December 8, 2008 when the withdrawal became effective. In an effort to reduce the amount of the anticipated payout, CalPERS pressured SHP to renegotiate the Agreement. When that tactic was unsuccessful, CalPERS began secretly pressuring Duff & Phelps to withdraw its appraisals and issue new lower appraisals of the Fund’s assets as of December 2007, despite its own counsel’s advice that the Agreement did not provide for such new or restated appraisals. Nonetheless, after much protestation, CalPERS was able to convince Duff & Phelps to withdraw its original appraisals for reasons that later proved pre-textual. Similarly, CalPERS manipulated the appraisal process undertaken by Cushman & Wakefield for purposes of valuing SHP’s 5% membership interest. In the days leading up to December 8, 2008, SHP learned of the new Duff & Phelps appraisal and disputed the manipulated Cushman & Wakefield appraisal. On December 8, 2008, CalPERS refused to pay any incentive distribution, membership interest, or severance compensation. In addition, CalPERS withheld quarterly asset management fees owed to SHP. CalPERS suddenly claimed it was not required to make any of the payments because the previously accepted Duff & Phelps appraisals were incorrect.
At trial, CalPERS argued that the Court should disregard the appraisals that were obtained pursuant to the Agreement and perform its own valuation of the properties to calculate the incentive distribution and other payments. CalPERS also argued that, in valuing the properties, the Court should deduct from the value certain liabilities (known as resident liabilities) that represented the total amount refunded to each resident upon leaving the property. SHP, on the other hand, argued that the Agreement did not provide for any role for the Court in valuing the properties and that the values were those determined by the appraisers before CalPERS’ improper influence. The first issue the Court addressed was whether the Agreement or Delaware law required judicial review of the prior appraisals, such that the Court would need to conduct its own appraisal, akin to a Section 262 statutory appraisal. The Court ruled that, as a matter of law where, as here, a contract between the parties sets out formulas for use in determining payments by one party to the other, and where the contract does not provide a role for the Court in determining how to apply the formulas, the Court will not second-guess the parties’ contractual obligations absent clear bad faith between a party and the appraisers to whom the contract committed application of the formulas. Under such a standard, the Agreement left no room for the Court to review the substantive work of the appraisers. Recognizing that issue was relatively unique, however, the Chancellor opined, in the alternative, that even if he were able to review the appraisals, he would still find in favor of SHP. In so holding, the Court rejected each of CalPERS’ substantive challenges to the appraisals. Noting that the Agreement was silent on the issue of accounting for resident liabilities, the Court looked to the parties’ course of performance and rejected CalPERS’ proposed accounting as inconsistent with the fact that buyers of such properties typically assume resident liabilities as part of the consideration exchanged in the sale. The Court also rejected CalPERS’ attacks on Duff & Phelps’ terminal capitalization rate and projections. With respect to the Cushman & Wakefield appraisals that determined the value of SHP’s membership interests, the Court modified the appraisals to remedy CalPERS’ violation of the implied covenant of good faith and fair dealing.
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domain: law


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It’s been around for several years and for good reason. This fatty acid known as CLA (Conjugated Linoleic Acid) may be an answer if you are still trying to drop those unwanted pounds or seeking its other health benefits.
What is CLA?
CLA is a naturally occurring type of omega-6 fatty acid that is technically a trans-fat but very different from the industrial trans-fats that are bad for your health. CLA cannot be produced by the human body but is found in many animal products, like eggs, milk, beef, goat and sheep and what these animals eat determines the amount of CLA found in their meat. For example, it is up to 500% higher in grass-fed cows than in grain-fed cows.
CLA and Weight Loss
CLA doesn’t decrease overall body weight but appears to lower the melting point for fat burning while blocking fat cells from growing bigger by influencing enzymes that affect the way fat is processed by the body. It also reduces body fat by increasing basal metabolic rates, helping the body convert fat more efficiently into energy.
Bottom line – CLA may decrease body fat especially for people who are obese. It may help people feel fuller after eating. However, it doesn’t seem to lower a person’s weight or BMI. While new evidence is still in the news, the best option to actually losing weight is to change your diet and lifestyle, and up your exercise.
Besides being good for weight loss, CLA has been shown in studies to be important for many other health conditions including:
1. Reduces Cardiovascular Disease
CLA has anti-atherosclerotic properties and may improve blood lipid profiles by reducing total cholesterol, triglycerides, and bad LDL cholesterol levels and HDL cholesterol levels. However, since CLA can lower both types of cholesterol (good and bad) in the body, it is not a standard treatment.
2. Anticancer Effects
CLA has antioxidant properties that may have anticancer effects as well as reducing the spread of cancer.
Studies have shown that women who get a lot of CLA from their diet or supplements have a lower risk of colorectal cancer; they may also have a lower risk of breast cancer.
Studies also suggest that lactation and breastfeeding may impart protection against mammary cancer for the mom and infant later in life. However, more research to support these claims is still needed.
3. Improves Bone Health
CLA may improve bone density and enhances calcium absorption, making it a highly effective natural osteoporosis treatment for both men and women.
4. Improves Immune and Inflammatory Response
Some of the beneficial effects of CLA on immune and inflammatory responses include:
- reduces colonic inflammation
- decreases antigen-induced cytokine production
- reduces allergic-type immune responses
- modulates the production of cytokines, prostaglandins, and leukotrienes
5. Stabilizes Blood Sugar Levels
CLA can improve insulin action and enhance glucose metabolism in people with type 2 diabetes. Because of its insulin reducing action, people taking large amounts of CLA supplementation should monitor their insulin levels regularly and let their primary doctor know about any supplements they’re taking to avoid any potential side effects or drug interactions with medications.
Can you get CLA Naturally from Foods?
Sure, you can just buy the supplements containing CLA, but conjugated linoleic acid is found in ordinary foods, not exotic and expensive superfoods.
Here are 20 foods high in CLA that you can find in your grocery store and how much CLA they contain, per serving:
|1||Grass-fed beef||4 ounces||433 mg|
Whole milk cheddar cheese from grass-fed cow
|1 ounce||180 – 270 mg|
|3||Whole milk from grass-fed cow||8 ounces||160 – 240 mg|
|4||Lamb||4 ounces||148 mg|
|5||Ground beef, standard||4 ounces||71 mg|
|6||Butter, salted||1 tablespoon||54 mg|
|7||Whole milk from standard dairy||8 ounces||44 mg|
|8||Buttermilk from standard dairy||8 ounces||44 mg|
|9||Processed cheese product||1 ounce||43 mg|
|10||Veal||4 ounces||40 mg|
|11||Cheddar cheese from standard dairy||1 ounce||39 mg|
|12||Ice cream||1/2 cup||26 mg|
|13||Plain yogurt, standard form||6 ounces||26 mg|
|14||Ground turkey||4 ounces||23 mg|
|15||Cottage cheese||4 ounces||22 mg|
|16||2% milk, standard dairy||8 ounces||20 mg|
|17||Low-fat yogurt, standard form||6 ounces||12 mg|
|18||Sour cream||1 tablespoon||11 mg|
|19||Chicken||4 ounces||8 mg|
|20||Pork||4 ounces||6 mg|
As you can see CLA is in many animal products, like butter, milk, beef, and other meat. Grass-fed beef may have higher levels of CLA than grain-fed beef. Animals need real grass and greens in their diets to make CLA, so it’s important to go for grass-fed sources.
CLA is also found in sunflower and safflower oil. Cooking food may increase levels of CLA.
A diet rich in saturated fat may not be part of your standard diet especially if you eat primarily plant-based or are a vegan. This also means that it will be difficult to significantly boost your intake of CLA while keeping a balanced diet so to get the suggested beneficial dose a day, supplementation may be the best way to go.
CLA supplements have undergone more than 600 studies in the past 25 years and these studies have discovered 4 ways CLA may help fight obesity:
- Reduce fat storage after eating
- Increase fat burning or metabolism
- Increase the speed fat is broken down in fat cells
- Reduce the number of fat cells in our bodies
Are all CLA supplements the same?
Not really. Each brand usually has different amounts of active CLA and most of the studies conclude that you need to take 3.4 grams of CLA (3,400 mg) daily to receive its benefits. Since various formulas contain a percentage of other oils as ingredients, you need to calculate how much each supplement is delivering to make sure you’re getting your full 3.4 grams. If a capsule contains 75 percent CLA, and it’s 1,000 mg, you are receiving 750 mg of CLA, and you’d need five per day to reach the recommended 3.4 grams.
Best CLA supplement
I recommend this CLA product from Designs For Health specifically because I can be assured that my patients are getting a standardized 80% Conjugated Linoleic Acid (CLA) per serving so you need less to reach the suggested 3.4 grams for the most benefits. It contains the naturally-occurring fatty acid shown to be useful in supporting proper fat burning and the maintenance of lean muscle tissue. There are actually over 20 different forms of CLA, but the most important forms are in this supplement. These are called cis-9, trans-11 and trans-10, cis-12 isomers.
Is CLA safe?
Taking CLA is generally safe, however, at times it can cause some side effects so another reason to be sure of the quality and dosing you are taking. Some reactions may include:
- Side effects such as upset stomach, nausea, diarrhea, and fatigue.
- Supplements may affect how your body absorbs sugar or worsen insulin resistance in people with diabetes or metabolic syndrome.
- Not recommended for people with poor liver function or liver diseases such as “fatty liver.“
- CLA does lower bad LDL cholesterol but it may also lower HDL (the good cholesterol) so check your levels.
- Not recommended for children or women who are pregnant or breastfeeding since there is not enough evidence to know of its long-term use.
How long does it take CLA to work?
CLA supplements are not miracle pills. Usually, it takes a few weeks for the weight loss effects to show up and you must consider these four factors to make sure you are optimizing its use:
1) Choosing the right CLA product
- There should be at least 80 percent CLA in the product to be considered a good choice.
- The product that you are going to buy must not have any allergens.
- Made with non-GMO ingredients.
2) Dietary factors to improve CLA efficacy
- Cut back on starches and sugar
- Eat more protein and fat
- And of course, the more vegetables, the better
3) Exercise more
CLA or any other weight-loss supplements on the market can’t help you if you don’t change your diet and don’t move your body enough. Ideally, you should:
- Spend at least 2 ½ -3 hours a week doing some form of medium-intensity cardio, with consistency, for the best result. That means regularly doing heart-healthy things like walking, jogging, running, biking or swimming.
- Instead of taking elevators, what about using the stairs? Or park your car a few blocks from your destination and get a walk in? Or after long hours of sitting in front of the computer, why not stand and stretch out just for a few minutes?
4) Dosage and frequency of CLA supplementation
To get the full potential of CLA you must take the right amount, frequently and be patient. The recommended dosage is 3 to 5 grams a day for the best outcome and the frequency is every day, dividing your dose into your three meal times.
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CONTACT ME TODAY and together let’s explore how CLA can help you to get healthier and even lose weight and how I might further support your efforts with my personalized programs.
1) Definition of Conjugated linoleic acid
2) Effect of supplementation with conjugated linoleic acid on human serum lipids and body fat.
3) A review of fatty acid profiles and antioxidant content in grass-fed and grain-fed beef.

domain: health


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We are looking for PRN physicians to work in the San Antonio Market.
• Leon Valley
• Stone Oak
CareNow Urgent Care is one of the area's leading providers of quality, caring, and convenient Outpatient Urgent and Primary care. We are a physician-driven company offering full time and part time opportunities that fit your career goals and your life. Enjoy the benefits of working in your own center without the administrative headaches. All business administration, human resources and marketing are handled by the CareNow Corporate Office, so physicians can focus on patient care, not paperwork.
We are extended spectrum family practice and see a variety of patients from 3-months and up including general and urgent care.
More future locations planned for this market as well!
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HCA owns and operates over 160 healthcare facilities in 20 states with opportunities coast to coast. HCA was one of the nation’s first hospital companies. We are committed to the care and improvement of human life. We strive to deliver quality healthcare that meets the needs of the communities we serve.Back to top
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domain: medical


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The latest tracking poll from the Kaiser Family Foundation shows that ObamaCare remains as unpopular as ever.
- Americans overwhelmingly object to the individual mandate — most because they believe it is an over-reach of government powers and also because they believe the mandated insurance will be too expensive.
- A majority also thinks the Supreme Court should rule the mandate unconstitutional.
- Another interesting finding: Three in ten of those surveyed think a Court ruling against the mandate effectively will mean the end of the entire law, but a majority (55%) understands that parts of the law still will be implemented even if the Court strikes down the individual mandate.
Mitt Romney adviser Norm Coleman, a former senator from Minnesota, reinforced those fears this week when he predicted ObamaCare won’t be repealed, even if a Republican wins the White House in November.
“You will not repeal the act in its entirety, but you will see major changes, particularly if there is a Republican president,” Coleman told BioCentury This Week television in an interviewthat aired on Sunday. “You can’t whole-cloth throw it out. But you can substantially change what’s been done.”
Every Republican candidate — including Romney — has vowed to repeal the law. The Romney campaign quickly distanced itself from Coleman’s prediction. “With all due respect to Sen. Coleman, he’s wrong,” campaign spokeswoman Andrea Saul said. “Gov. Romney can and will repeal ObamaCare and is committed to doing so.”
No doubt it will be difficult. Thousands of pages of regulations have been written and implemented that already are sinking deep roots into the health sector. In addition, tens of billions of ObamaCare dollars already have been spent that cannot be recovered.
Photo Credit: Gage Skidmore
The repeal legislation would have to specify that the regulations that have been issued are void and acknowledge that money which already has been spent cannot be recovered, such as the $5 billion for health insurance for uninsured people with pre-existing conditions.
It will be a mess to untangle as the health sector already is reorganizing itself around the law and its many mandates. The administration is going full speed ahead in writing as many regs and implementing as many programs as fast as possible.
The biggest attack after repeal is that Republicans would take away health insurance from millions of people who otherwise would get it under ObamaCare. Republicans will have to offer a credible replace strategy, which Rep. Joe Pitts, chairman of the key health care subcommittee of the Energy and Commerce Committee, said would be offered this summer.
Full speed ahead:
Health Sec. Kathleen Sebelius said this week that even if the Court tosses out the individual mandate, her department will continue to charge ahead.
Sebelius said in an interview on The Daily Show — which she no doubt wishes she hadn’t done — that she’s confident the Supreme Court will uphold the mandate, but that there are alternatives if it doesn’t.
“I think we keep going,” she said. “We find ways to encourage people to become enrolled and become insured. And the mandate’s the fastest way to do it, and it just says, basically, everybody’s got some responsibility. But there are other ways to encourage people to come in.”·
Romney is stubbornly defensive about his law, even as Republican voters see it as the platform for ObamaCare. John McDonough, who helped design both RomneyCare and then ObamaCare, said the federal law is, “Massachusetts with three more zeros.”
Romney’s statements are just not selling with Republican voters. For example:
- Individual mandate affects “only 8%”: Romney has called the individual mandate requiring all residents to have health insurance “the ultimate conservative idea” because it takes care of “free riders.”Romney claims: “Our bill dealt with eight percent of our population, the people who aren’t insured and said to them, if you can pay, don’t count on the government. Take personal responsibility.”But the mandate applies to everyone, not just to the eight percent who were uninsured.
- Repeal and Replace — with RomneyCare? In the October 11, 2011 debate, Romney said: “…we all agree about repeal and replace. And I’m proud of the fact that I’ve put together a plan that says what I’m going to replace it with.” He says he wants to repeal and replace ObamaCare, but then he says what he would replace it with is RomneyCare! Does he really mean that he wants to use Massachusetts as a model for his “replacement” plan? No wonder voters are worried.
- Medicare cuts. Romney also boasts, accurately, “We didn’t cut Medicare.” This is a bogus boast, however, since states have no authority over spending in the federal Medicare program, and cutting Medicare therefore never was an option with RomneyCare.
- Waivers for the states. Romney has said repeatedly that one of his first acts as president would be to “put out an executive order granting a waiver from ObamaCare to all 50 states.”But Romney can’t use an executive order to wipe out the law’s massive new federal entitlement program and its huge taxpayer subsidies for health insurance, its vast expansion of Medicaid coverage, the Medicare rationing board, $550 billion in new and higher taxes, $575 billion in cuts to Medicare, and federal mandates on individuals, businesses, and the states to comply with the law. These are all part of the federal health overhaul law and simply cannot be waived by executive order.The Congressional Research Service sent a letter to Sen. Coburn in November confirming this. “A President would not appear to be able to issue an executive order halting statutorily-required programs or mandatory appropriations…(or blocking) an agency from promulgating a rule that is statutorily required by PPACA,” the CRS concluded.So Romney’s campaign slogan is calling for an action that simply would not be legal. Waivers are not a solution and, in fact, might well detract from the ultimate goal of repealing ObamaCare and replacing it with a genuine free market alternative.
- Mimicking Obama. When Romney says he wants to give states more discretion in implementing ObamaCare, there is very little daylight between his position and President Obama’s.The president has said Congress should pass legislation to accelerate the provision in the law that would allow states more flexibility in implementing the health law starting in 2017, arguing Congress should move the date forward to 2014. That is precisely Romney’s position. Not much room for debate there.
- RomneyCare and taxes. He also defends RomneyCare by saying that Massachusetts didn’t raise taxes to finance his plan. That’s because Massachusetts simply passed a big share of its costs along to federal taxpayers. Massachusetts relied on previously-enacted health insurance taxes and an infusion of federal Medicaid money to finance its coverage expansion.Washington didn’t have any higher government authority to draw from so it had to raise taxes to finance ObamaCare. The fact that a significant part of Massachusetts’ coverage expansion relied on federal Medicaid money defies Romney’s position that the Bay State’s reform was a state solution.
- The speed of repeal. Romney pledges to pursue the ultimate goal of repealing ObamaCare and replacing it with “free-market reforms that promote competition and lower health-care costs. But since an outright repeal would take time, an executive order is the first step in returning power to the states,” he wrote earlier this year.Actually, it wouldn’t. Romney’s cautious step-by-step approach overlooks the fact that the Republican House passed a repeal bill within a few weeks of taking power. If there were a majority in the Senate supporting repeal, then a new president could have a repeal bill to sign on his desk within a month or two of taking office.Why on earth would a President Mitt Romney want to send states on a wild chase to start implementing ObamaCare in a different way when, as he himself observes, the ultimate goal must be total repeal?
I offer suggestions for how Romney can adjust his position in my Spectator piece. Unless he takes steps to remedy his position, he will have trouble convincing Republican voters he is serious about repeal and will have an even harder time mapping a clear plan on health reform should he be elected president.
CLIP OF THE WEEK
BEYOND THE INDIVIDUAL MANDATE: WHY OBAMACARE MUST BE REPEALED
Grace-Marie Turner of the Galen Institute, Sally Pipes of the Pacific Research Institute, and Michael Tanner of the Cato Institute examine the continuing debate on ObamaCare, the impact and consequences of these policies, and an alternative path to improve health care for America.
SOURCE: The Galen Institute
The Galen Institute is a non-profit, Section 501(c)(3) public policy research organization devoted to advancing ideas and policies that would create a vibrant, patient-centered health sector. It promotes public debate and education about proposals that support individual freedom, consumer choice, competition, and innovation in the health sector. It focuses on individual responsibility and control over health care and health insurance, lower costs through competition, and a strong safety net for vulnerable populations. Galen’s policies will promote continued medical innovation, advances in personalized medicine, and expanded access to health care and coverage in a 21st century Information Age economy.


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PSY Sings 'Gangnam Style' At Inauguration Of First Female South Korean President - Video
25 February 2013, 16:34
The South Korean rapper led the crowd through his signature hit to celebrate the new administration.
PSY helped celebrate the inauguration of South Korea's first ever female president earlier today (25th February) by performing his hit single 'Gangnam Style' at the event.
The South Korean native gave an energetic performance at the inauguration of newly elected President park Geun-Hye this week, complete with the song's signature dance routine.
"I know this is a very formal event, but if you could please stand up and join me for the horse dance, it would be great," PSY is quoted as telling the crowd during his performance. "Last year 'Gangnam Style' allowed me to experience something of a miracle.
"As a Korean citizen, I sincerely wish that, with the beginning of a new administration, everyone can have their own miracle and luck."
Check out a picture of PSY performing live at the South Korean Presidential Inauguration below (Credit: Getty):
PSY's performance was said to have been toned down from his usual style to suit the occasion, with the rapper wearing a simple black tuxedo and white shades.
The breakthrough stars also performed his song 'Champion' at the event, while is soon expected to announce the follow-up to his worldwide smash 'Gangnam Style'.
Watch a video of PSY's performance at the inauguration ceremony below:

domain: celebrity


text:
Seattle, WA, April 25, 2017
Last month, the Washington State Department of Labor & Industries (L&I) announced it had fined a beverage company over $150k for exposing workers to ammonia leaks. The large fine was the result of multiple willful, serious and general workplace safety violations, according to the agency.
Ammonia is a manufactured chemical that is also naturally found in the environment. It is comprised of one part nitrogen and three parts hydrogen. In the natural environment, ammonia is important to plants and animals as a source of nitrogen and may be found in water, soil and air. Much of the naturally occurring ammonia in the environment comes from the breakdown of manure, dead plants and animals.
A large amount of ammonia is produced by humans for use as fertilizer. It is also used as an industrial refrigerant and to manufacture synthetic fibers, plastics, explosives and other materials. In the home, numerous cleaning products contain ammonia in the form of ammonium ions.
“Companies that manufacture ammonia, utilize it as an industrial refrigerant, or process it with other substances for use in manufacturing products need to protect their employees from exposure risks,” said Joe Frasca, Senior Vice President of Marketing at EMSL Analytical, Inc. “This can occur by breathing it, skin contact, or by consuming contaminated foods or beverages. At low levels, ammonia is an irritant, but even low levels of exposure can cause concerns for some people with asthma and other health conditions. Exposure to high concentrations can be fatal. Ammonia is also corrosive with the main toxic effects usually restricted to the sites of direct contact, such as the skin, eyes, respiratory tract, mouth or digestive tract.”
To help protect workers and keep companies that manufacture or utilize ammonia in regulatory compliance, EMSL provides occupational and environmental testing, and all of the sampling supplies necessary. They have also sponsored a video about ammonia and exposure risks that can be seen at: https://www.youtube.com/watch?v=ZgH0vLoCNWA
To learn more about testing for ammonia or other industrial hygiene, environmental, indoor air quality, health and safety services, please visit www.EMSL.com
, email email@example.com
or call (800) 220-3675.
About EMSL Analytical, Inc.
EMSL Analytical, Inc. is one of the leading testing laboratories with 40 locations throughout the United States and Canada. EMSL is a nationally recognized and locally focused provider specializing in fast laboratory results for mold, bacteria, Legionella
, USP <797>, pathogens, asbestos, lead, soot, char & ash from fires, VOC’s, odors, radon, formaldehyde, indoor air quality, microbiology, environmental, industrial hygiene, radiological, food, beverage & consumer products and material testing services for the identification of unknown substances. EMSL services both professionals and the general public. EMSL maintains an extensive list of accreditations from leading organizations as well as state and federal regulating bodies including, but not limited to A2LA, AIHA LAP, LLC. (AIHA EMLAP, AIHA IHLAP, AIHA ELLAP), NVLAP, CDC ELITE, CPSC, CA ELAP, NY ELAP, TX DOH, NJDEP and multiple other state accrediting agencies. Please visit our website at www.EMSL.com
for a complete listing of accreditations. In addition, EMSL carries a wide range of Sampling Equipment and Investigative Products for environmental professionals.

domain: chemistry


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Because it is the third largest automotive market in the world behind China and the United States, we will analyze car sales in Europe during 2018, which remained stable, since there were 15.6 million vehicles sold, only 346 more than in 2017.
This small growth was enough for the European market to see its best result since 2007 when it reached its peak with 16.02 million vehicles. A very interesting fact, which shows consumer preferences, is that diesel vehicles registered their lowest market share since 2001.
By countries, the solid results of Spain, Poland, and the Netherlands stood out, while the United Kingdom, Italy, and Sweden had a decrease in their car sales. Likewise, Poland, Slovakia, Luxembourg, and Lithuania recorded record volume levels, while it was the best year since 2007 for Spain and Estonia, and the best year since 2008 for Romania, Hungary, Croatia, and Latvia.
It also stands out that most of the registered vehicles were powered by gasoline engines which represented 57 percent of all sales. This result marks an increase of 7 points in the market share in 2017 and an increase of 12 points in the last 10 years.
Regarding alternative energies, electric cars and plug-in hybrid cars registered 944,800 units sold and a market share of 6.1 percent. In particular, most of the growth was driven by pure electric vehicles, which were sold more than hybrid plug-in vehicles.
Despite growing at a slower pace than in previous years, the shift from traditional cars to SUVs continued in 2018. In total, 5.4 million SUVs were registered in Europe throughout the year, 19 percent more than in 2017.
By models, the Volkswagen Golf was once again the best-selling car in Europe, however, it registered a drop of 8 percent, mainly due to a large drop in its sales of diesel cars.
The table of the most sold cars in Europe during 2018:
Recent figures from the Road Traffic Information Council for car sales in 2020 show that Toyota continues to differentiate from its competitors in major areas. Toyota...read more
Toyota announced the results for the fiscal year ended March 31, 2021. The plan for how the company will achieve climate neutrality by 2050 was also presented, with an approach based...read more
In this week at New York International Auto Show, the new 2010 GMC Terrain will be presented, official photos and technical details being already published. "The new Terrain...read more
Winter can be really tough on your car, especially when there’s a lot of ice and snow around. You really need to take care of your car around this time of year, to prevent problems when it comes to...read more
Japan's Mazda Motor Corp said it would raise up to $1.1 billion in a share sale and invest most of the funds to develop hybrid and other technologies in what analysts said was a long-overdue bid to...read more


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By Trish Deseine
Why aren’t the recipes for this book available on ckbk?
We are building our collection of cookbooks all the time. This book is on our wish list, but it is not yet available on ckbk.
Books which are part of ckbk's collection show one of these two logos:
This is a beautiful book all about caramel.
100 Desserts to Die For
Comme au Resto
Nobody Does it Better
Je Veux du Chocolat

domain: hobby


text:
It's 2002 all over again at Fashion Week in Paris ... where a bunch of NBA stars are proving the fashion from that 'Ali G' movie was way ahead of its time.
Check out Carmelo Anthony, Serge Ibaka and Jaylen Brown ... busting out their best camo couture for the Valentino Spring/Summer 2019 Collection fashion show.
Big up yourself!
Don't worry, not all the big NBA stars at the event went with the quasi-incognito look ... James Harden rocked some palm tree swag and P.J. Tucker looked pretty slick in a T-shirt and jacket combo.
By the way, the guy on the left from "Ali G Indahouse" is Martin Freeman -- a huge star -- who's appeared in flicks like 'The Hobbit,' "Captain America: Civil War" and "Black Panther."
So, if bright-colored camo is good enough for him ... and Carmelo ... it's good enough for us, right?


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Monaleen parish, part of the Diocese of Limerick, is located in Castletroy in the East of Limerick City. It was formerly part of St Patrick’s Parish but was established as an independent parish in June 1971. The population of the parish is in excess of 10,000, in one of the fastest growing suburbs in Limerick City. The parish consists of 18 townlands and within the parish, in the townland of Scart, the three dioceses of Limerick, Killaloe and Cashel and Emly meet.
The parish church is dedicated to St Mary Magdalene, who is the patron saint of sinners and the contemplative life. She is also the only person in the gospels who was a witness to the crucifixion of Jesus, his burial and the discovery of his empty tomb. She is also named in all four gospels as the first witness to the resurrection, unusual given that women were not considered as credible witnesses in legal proceedings. The feast of St Mary Magdalene is celebrated on the 22nd July each year.
The church of St Mary Magdalen was built in 1832 on land given by a local man, William Nunan and designed by the well-known architect George Goldie.
There have been just 5 parish priests of Monaleen parish.
Fr Joseph O’Beirne 1972 – 1980
Fr David McNamee 1980 – 1989
Fr Terence O’Brien 1989 – 2002
Msgr Daniel Neenan 2002 – 2017
Canon Gerard Garrett 2017 – 2022
Fr Seamus Madigan 2022 –
The parish is now part of the St John’s pastoral area along with the other city parishes of St John’s, St Michael’s, St Patrick’s and Our Lady Help of Christians.

domain: geography


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Govt projects to create 16,000 jobs in four years
Thimphu, July 6, 2009: The government projects ton create at least 16,000 jobs for jobseekers in the next four years, when the first elected government ends its tenure.
In a new study conducted by the Ministry of Labor and Human Resources said efforts are to be made to overcome the mismatch between skills and employment opportunities. The report said the country needs more than 6800 elementary workers by 2013. There are around 37,000 Indian nationals, excluding GREF and IMTRAT, engaged in elementary occupations in the country today.
The ministry said Bhutanese job seekers may not face the dearth of employment at least for the next four years. “It’s still a very optimistic indication of the availability of jobs,” said Labor Minister Dorji Wangdi.
These jobs will be created only in 119 major establishments in the service, manufacturing and construction sectors but excluded hydropower and information technology, along with small or medium private and corporate establishments which are also likely to create jobs.
Stating that country severely lacks skilled manpower, the report recommends that formal education be combined with work-based training, by strengthening career and counseling programs in all educational institutions.

domain: sociology


text:
How Important Are Specialists and Experts in These Cases for Attorneys and Clients?
In traumatic brain injury cases, specialists are extraordinarily important; the specialists can be both treating specialists as well as retained expert witnesses. In reality, healthcare providers offer opinions, and healthcare providers who offer opinions are experts. They may not be retained experts, but they are treating experts.
Specialists are very important because they are members of various healthcare professions, both medical doctors and others. The fact that someone is a specialist however, does not necessarily mean that they are experts in traumatic brain injury. For example, a neurologist may be more interested in treating other neurologic disorders such as multiple sclerosis, Parkinson’s disease, or epilepsy, than they are in treating traumatic brain injury and post-concussive syndrome. A qualified brain injury lawyer will know who is truly knowledgeable. Sometimes this involves traveling because the qualified specialist is located in a different municipality, a different state and sometimes even a different region of the country.
One of the other things that is often overlooked and can end up being confusing relates to vision. A very common condition that is caused by traumatic brain injury is a visual disturbance. It could be blurry vision. It could be a convergence disorder where the eyes don’t move in a coordinated fashion. Most physicians conducting a general neurologic exam will examine the eyes but will not do the type of examination that will identify a convergence disorder. They are looking at the pupils to see if the pupils are the same size or if one is enlarged compared to the other. They will write in their record that the vision is normal when it may not be.
Someone who really knows traumatic brain injury can identify this and will recommend a specialist such as a neuro-optometrist or a neuro-ophthalmologist who will conduct the more in-depth vision examination that won’t be conducted by a general physician or even a regular ophthalmologist that might conduct an examination for glasses.
A qualified brain injury lawyer must know the healthcare providers who can adequately document whatever is going on, and in turn, the lawyer is responsible for recommending and retaining experts who can do the kinds of evaluations and assessments that will provide the insurance company and ultimately a jury with the data point to prove the claim.
So it’s very important that injured people be represented by lawyers who know qualified experts. It would be a mistake to believe that a lawyer who rents a billboard or puts his photograph on the side of a bus is a lawyer qualified to handle a brain injury case. There are methods by which a lay person can identify quality lawyers and they include research of “Best Lawyers in America”, and the legal directory Martindale Hubbell that ranks lawyers for skill and ethics.
What Is the Role of Life Care Planners in Traumatic Brain Injury Cases?
A life care planner does more than put all the data on a template. A certified life care planner’s training, is designed to make them aware of the nuances of life time treatment for TBI, as well as the complexities of every day living with a brain injury. A life care planner is an expert who not only assembles information but also can appear in court and testify about the research and calculations performed.
The effects of a brain injury are not static but can produce a number of changes over time. The life care planner’s job entails accounting for probable changes in needs over a lifetime. Some anticipated changes or complications can be established as a likely occurrence by a licensed healthcare provider. Other anticipated expenses can be established through a life care planner based upon training and experience.
In brain injury cases, there is literature that supports the proposition the TBI increases the risk of complications including but not limited to seizure disorder, brain volumetric changes- most likely atrophy in injury regions, Alzheimer’s disease and other dementing conditions, as well as Parkinson’s disease.
Some symptoms that accompany traumatic brain injury place the patient at risk for other injuries and difficulties. Problems with vision or balance may make it more likely the TBI survivor will have additional accidents caused by trips or stumbles that result in falls. An injury to the visual network in the right side of the brain can cause a visual defect on the left side that can impact depth perception and make it more difficult to drive, ride a bicycle or navigate in crowded spaces. An injury that affects the frontal lobe can impair executive function decision making and increase the probability of risky behavior. These are all topics that can be covered through experts including life care planners. So there’s a whole host of things that can complicate the future for a TBI survivor.
In order to maximize a recovery following a traumatic brain injury, the earlier that an experienced traumatic brain injury lawyer is involved in a case, the better theodds are that the case can be adequately prepared and documented.
If you have suffered a Traumatic Brain Injury in an Accident, call Stewart Casper at the law offices of Casper & de Toledo LLC in Stamford, CT for a free initial consultation at (203) 325-8600 and get the information and legal representation you’re seeking.


Jamaica-based Pride Hospitality Group has filed applications for an 18-story, 283-unit hotel building at 149-03 Archer Avenue, in downtown Jamaica, located three blocks from the Jamaica LIRR station, JFK AirTrain and the E, J and Z subways at Sutphin Boulevard. The building will measuring 110,463 square feet, and hotel rooms will average 390 square feet. Jamaica-based Manish Savani is the architect of record, and an existing single-story auto-repair must first be demolished.
When YIMBY stopped by the Prospect Plaza affordable housing development in Ocean Hill earlier this summer, the first two buildings were inching toward completion on Prospect Place between Howard and Saratoga Avenues. Across the street, foundation work on Phase 2 had just begun. Now new building applications have been filed for the third and final piece of the project at 1845 Sterling Place, a large, vacant corner lot next to Eastern Parkway.
Yong Lee, head of Flushing-based HWL Management, has filed applications for a five-story, 14,732 square-foot commercial building at 150-15 Barclay Avenue, in Murray Hill, Queens, located a block from the Murray Hill LIRR station. The first and second floors will contain 4,315 square feet of offices, and 14,732 square feet of health care facilities will take up the third through fifth floors. Flushing-based Kyu Myeon Lee is the architect of record, and an existing 2.5-story home must first be demolished.
Property owner Jenny Wu has filed applications for a six-story, 10-unit mixed-use building at 1430 West 4th Street, in eastern Bensonhurst, four blocks from the N train’s Bay Parkway stop. The building will measure 11,139 square feet in total, and will feature 2,394 square feet of health care facilities on the basement level. On the five floors above, residential units will average 875 square feet apiece. Zhen Yu Ye’s Bay Ridge-based Ye Development Inc. is the applicant of record. The site’s two-story predecessor was demolished in 2005.
Pik Wan Cheng, operating under an anonymous LLC, has filed applications for a five-story, 22-unit mixed-use building at 144-89 38th Avenue, in Murray Hill, four blocks from the LIRR station at 41st Avenue and 149th Street. The building will measure 20,384 square feet, and includes 5,550 square feet on the basement level for a children’s daycare. Residential units, averaging a rental-sized 675 square feet, will take up the first through fifth floors. Flushing-based Chang Hwa Tan is the architect of record, and permits were filed in July to remove a dilapidated two-story structure.


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I want to find a man who will be very close person to me with whom we can share our happiness :!:
I want to let you know that I am a real woman and you can see it. I am looking for serious relationship and want to have a nice family with lots of love, warmth, care and respect. I am very active girl, like going in for sports, spending time outdoors, discovering interesting places, get new impressions... I love traveling and I would love to visit lots of different countries My hobby become my profession - I adore singing :D If you ask me, I can play guitar and sing very beautiful and tender song for you... Would you like to listen to my heart? :oops: You should know that I am open and sincere lady! With all my heart I believe that man who can really love still exist... and I really want to find you! So, I am open for communication!

domain: artistic


Ministry of Religious Affairs (MORA) has posted 1 job
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The Ministry of Religious Affairs (MoRA) was created in October 1974. Prior to 1974 various Ministries had been dealing with hajj operations. In 1976, the Subjects of Minorities Affairs and Overseas Pakistanis were merged with this Ministry, and the Ministry was renamed as “Ministry of Religious Affairs, Minorities Affairs, and Overseas Pakistanis”. They were separated from this Ministry in 1977 and 1992, respectively. However, the subjects of Minorities Affairs and Zakat & Ushr were merged with this Ministry in 1996. The Zakat & Ushr Division was again separated from this Ministry in October/November 2008. Hence, the Ministry was renamed the Ministry of Religious Affairs. In June 2013, the erstwhile Ministry of National Harmony (devolved M/o Minorities Affairs) was merged with the Ministry of Religious Affairs and, therefore, was renamed as the Ministry of “Religious Affairs and Interfaith Harmony”.


FEW News Release
Contact: Lee Schlesinger, 850-487-0554
The recreational harvest seasons for red snapper in the Gulf of Mexico and spotted seatrout in the South Region will close on Nov. 1. These closures occur each year to help rebuild overfished red snapper stocks in the Gulf and maintain the abundance of spotted seatrout in Florida waters.
The harvest and possession of red snapper by sport fishers is prohibited beginning Nov. 1 in all Gulf waters. The reopening date for next year’s Gulf red snapper sport season has not been formally established; however, it is likely to be in late spring 2008.
New regulations for Gulf red snapper are being developed by the Florida Fish and Wildlife Conservation Commission and federal fisheries managers. These regulations should be finalized by February 2008.
For spotted seatrout, all harvest and possession is prohibited from Nov. 1 through Dec. 31 in the South Region. This area includes all waters south of the Flagler-Volusia counties line in the Atlantic and south of a line running due west from the westernmost point of Fred Howard Park Causeway, which is about 1.17 miles south of the Pinellas/Pasco counties line in the Gulf.


About Jana Project Organization
Musica sulle Bocche Festival is produced and cured by the concert association Jana Project. It was founded in 1998 in Alghero, Sardinia and today is one of the most long-established musical entities in the island. Their musical projects have been launched in many countries, such us South America, Japan, Iran, China and all around Europe. Many international artists contributed to their musical productions.
Every event produced by the organization, both on an internal and external level, especially Musica sulle Bocche Festival, have special consideration for environmental impact, waste minimization and sustainability as a whole. To raise people awareness about this topic is among their missions and they try to accomplish it also by sharing their working method through every communication channel.
About the artistic director Enzo Favata
Enzo Favata, among the most active and noted Sardinian musicians of the Italian and international jazz scene, is a versatile artist who likes to fully investigate the universe of sound. His artistic journey brought him through the experimentation of different musical languages, the combination of modern and archaic ingredients and the exploration of different music cultures far apart from each other.
He plays soprano, sopranino and tenor sax, bass clarinet and ethnic woodwinds instruments, especially the ones characteristic of the Sardinian musical tradition. He is also able to use live electronics that employs together with acoustic instruments.
His musical career starts in 1983: after growing in the traditional jazz sphere he decided to leave mainstream music to study Sardinian folk music and later became truly knowledgeable on the subject. Based on this models and other influences, such as the South American one, he developed a truly original compositional style.
He released 14 albums as a leader and collaborated in 5 different compilations of international artists.
He played in Europe, Japan, China, Iran, Egypt, Brazil, Argentina, Croatia, Slovenia, Albania and Kuwait at many prestigious festivals and shows.
He played with: Dino Saluzzi, Enrico Rava, the Art Ensemble of Chicago, Omar Sosa, Mulatu Astatke, Django Bates, Miroslav Vitous, Dave Liebman, Anja Lechner, Lester Bowie, Flavio Boltro, Michel Marre, Tenores di Bitti, Metropole Orkest della Radio Nazionale Olandese, National Orchestra of Tirana and many more.
Since 2001 is the artistic director of Musica sulle Bocche Festival, held in Santa Teresa Gallura that comes out at the top of the Jazz festivals in Sardinia.
ANNO DI COSTITUZIONE: 1987
SEDE LEGALE: Via Planargia 1, Alghero
P. IVA: 01793150903
L’ASSEMBLEA DEI SOCI, COMITATO DIRETTIVO, IL PRESIDENTE dell’ASSOCIAZIONE, IL VICEPRESIDENTE DELL’ASSOCIAZIONE.
Vincenzo Favata – PRESIDENTE – socio fondatore dal 1987 -presidente, eletto con assemblea dei soci
Musicista professionista dal 1980 ( Nessun compenso per carica )
Marcello Peghin VICEPRESIDENTE – socio fondatore dal 1987 – vice presidente, eletto con assemblea dei soci (Nessun compenso per la carica )
Barbara Cattrocci socio fondatore dal 1987 – revisore eletto con assemblea dei soci , Avvocato (Nessun compenso per carica)


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Kroger rolling out more Ruler Foods shops
Kroger Co. is expanding a line of small, discount grocery stores that mainly carry its in-house brands.
Ruler Foods, a discount grocery store that sells Kroger brand food and a limited assortment of other national brand items, opened its 18th location this week, according to the Commercial-News in Danville, Ill. It’s part of JayC Food Stores, which was purchased by Kroger in 1999.
Keith Dailey, spokesman for Kroger (NYSE: KR), said Ruler Foods is still a test concept for the grocery giant.
“We have high hopes for it and we’re pleased with the results so far,” Dailey said. “It’s too soon to say whether it opens in other markets.”
Chris Hodge, first vice president with CBRE, said he’s been busy helping Kroger find locations for the new store concept. The company hasn’t been specific with the number of Ruler Foods locations it would like to open, Hodge said, but he is working on a number of deals.
About 80 percent of the products at Ruler Foods are either Kroger brand or Kroger Value items.
Ruler Foods locations are strictly grocery stores, no pharmacy, no fuel center. Customers bag their own groceries and “rent” shopping carts for 25 cents, which is returned when the cart is replaced. This cuts down on the number of employees needed at each store.
Ruler Foods does have most items you would find at a grocery store, but with a limited selection. The stores have fresh meat and produce, dairy, frozen foods, non-perishables, as well as pet and baby items.
Officials with Ruler Foods have said customers can save 30 percent to 50 percent off their groceries.
“The value shopper is a growing customer segment, one we think is here to stay,” Dailey said. “This concept store is helping us learn how to be relevant to value shoppers and create deep and lasting loyalty.”
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Evan Taylor Jones is a singer, songwriter, and performer from the city of Orlando, FL. In just three short years, Evan has made a name for himself around Florida as one of the top soul performers. In 2013, Evan made the transition to full-time performer, playing over 100 shows around the state of Florida.
In November 2013, Evan released his debut album, “Songs from an Old Soul,” which features high energy soul numbers as well as subdued, acoustic driven singer-songwriter music. The album can be purchased both in CD form at any of Evan’s shows, or on iTunes, Spotify, AmazonMP3 and many other online retailers.
To contact Evan, email email@example.com
Help fund the Old Soul Tour Here!
Unfortunatley going on tour can be expensive. I am a firm believer in not using crowd-funding. So we came up with some other ways that you could help me and my band go on the Old Soul Tour this November!
Visit my Bandcamp page here and check out all of the music I have posted! We have re-released my E.P.’s as one big E.P. called “Music From My Room” and all of my covers are available too. The best part, all of them are FREE! You can pay whatever you would like if you choose to. If you’ve never heard my music please feel free to download anything you would like and decide for yourself!
On August 27th & September 24th at 9:00PM my band and I will be performing at Tanquerays in downtown Orlando, FL. This is a completley FREE SHOW. If you enjoy the show I’ll have a little tip jar set up where you can donate to the Old Soul Tour
You can donate via PayPal right now, right here!
OLD SOUL TOUR
Nov. 11: Sanford, FL- West End Trading Co.
Nov. 12: Miami, FL- Brick House
Nov. 13: Cape Coral, FL- Rack 'Em Billiards
Nov. 14: Boca Raton, FL- Funky Buddha Lounge
Nov. 15: Tampa, FL- Hula Bay (1PM)
Nov. 15: St. Petersburg- Three Birds Tavern (8PM)
Nov. 16: Orlando, FL- Bombshell's Tavern
Jan. 25: Daytona Beach, FL - Ocean Deck


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Do We Raise Daughters to become mothers?
I believe was raised to be a good person. My mom didn't raise me to be a mother, but I had her to be an excellent example of what mother can be. I'll never forget when I was a 20 yrs old visiting during my college spring break. I had my boyfriend of 3 years with me. People who knew me and saw me in this long term relationship stated to me it's serious and hinted at marriage in my future. I asked my mom should I be thinking about marriage? The idea actually frightened me because I felt far too young to be thinking about marriage. She told me when it's that time, I would know. She said not to worry about what other people say about what I should do and when I should be doing it. She never pushed me in one direction or another, she allowed me to develop on my own.
Though I am not a mother to a girl, I believe that we should raise our girls with good moral
By nature I believe women to be emotional creatures and nurturers. Not everyone is built that way and may require time to develop certain traits or characteristics and that is perfectly fine. I think as mothers, we sometimes unknowingly raise our children through our actions as well. My mom did not out right say to me everything I needed to know about being a woman. I saw in her everyday interactions with people and my Dad. I saw her get home from work and prepare dinner for us and she got up in the morning and did the same for breakfast. I saw how she put my Dad and his needs first, but we were still loved and cared for. I saw how they worked together as a team. I saw that they spent most of their time with each other instead of with other people.
I do think times have changed and there are more single parent homes so the two parent dynamic is something that can not be seen in every home. I believe women who understand the two parent family dynamic should be be willing to take an active role in a young lady's life and be another positive role model. You should not try to replace a girl's mother, but be a sister and help her. We live in a society now where I feel we as women do not fully support each other and we do not fully carry ourselves with the pride and respect we deserve. We need to be better example of women to our daughters and to other women who are trying to find their way. We are the backbone of our society and we have forgotten how powerful we are. We need to raise our daughters to know their worth. A strong foundation of values and principles is where we need to start and build.

domain: psychology


Monday, May 16, 2011
BRIAN & EDWARD HOLLAND :: LAMONT DOZIER
This one never leaves the 45 box. We'll, actually it did. I was preparing for gig the other day, going through a box of 45s and re discovered this Sweet Soul record from 72. I've been listening to the Coke Escovedo version for the last few weeks which is also Fantastic.
Brian Holland and Lamont Dozier began writing and recording these hits, "Don't Leave Me Starvin' For Your Love" and "Why Can't We Be Lovers" on Invictus. They recorded as a duo in 1973, the year that the partnership ended. Lamont Dozier than pursued a solo recording career and had hits with "Trying to Hold on to My Woman," "Fish Ain't Biting," and "Let Me Start Tonight" on ABC Records in 1974. Later he switched to Warner Brothers and then to Columbia. Dozier produced Areatha Franklin's 1977 album Sweet Passion and wrote for Simply Red, Boz Scaggs, Eric Clapton, and Phil Collins during the '80s. In 1991, he recorded Inside Seduction for Atlantic Records.
HOLLAND & LAMONT DOZIER - WHY CANT WE BE LOVERS 1972


Ghana Premier League side Legon Cities are seriously considering firing veteran Coach Bashir Hayford.
The experienced gaffer took charge of the Royals early this season after the dismissal of Goran Barjaktarevic.
Since taking over, Bashir Hayford has been in charge of 20 games, winning 5 drawing 7 and losing 8 times.
The club’s hierarchy feels the point accumulation of 22 from a possible 60 is unsatisfactory considering the huge investment in the playing body since.
They are however considering terminating the contract of the former Ebusua Dwarfs and Ashgold gaffer.
Former Asante Kotoko Coach Maxwell Konadu is being rumored to be the one in line to replace Bashir Hayford.


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How Long Will Dog Diarrhea Last After Changing Their Food?
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domain: pet


RotoSpring is the new Re spring ejection core chuck designed to cope with three important problems that operators have to deal with:
- Tons of paper waste caused by a wrong grip of the reel cores and by an incomplete unwinding of the paper rolls
- Diffcult ejection of the reel cores, especially if damaged, with a consequent low level of security for the operator that has to manually operate to unlock them
- High costs and installation time of the existing systems of ejection that usually require to mechanically and pneumatically modify the roll
To cope with these problems we designed a new Spring ejection core chuck that combines the quality and technology of the Rotogrip torque activated chuck with a patented system of spring for the automatic and safe ejection of the rolls.
The Rotogrip chuck solve the problem of grip, reel core centering and brake torque transmission in order to solve problems of paper waste, while the spring system solve the problem of the automatic ejection of any kind of reel core in complete safety for the operators that no more has to use levers or other tools to unlock them.
Moreover, RotoSpring, can be installed on a new or existing roll stand in less than ten minutes as it not requires any mechanical or pneumatical intervention to the machine giving the customer great advantages in terms of costs and time.


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If you are focused on your credit rating stopping you against getting that loan, there are some methods around it, but it is well well well worth doing all of your research in order to avoid taking on risky debt.
That loan with less strict credit checks will probablyР’ come with a higher danger in the shape of high interest, strict charges and exorbitant charges, therefore it may be safer to start thinking about enhancing your credit rating first.
Compare bad-credit loans
The most dangerous kinds of credit is payday advances, which regularly highlights its not enough credit check as a confident feature, however they ensure it is very costly to borrow and, if you’re struggling to cover it straight back, they are able to allow it to be a lot more tough to clear the money you owe with extra charges.
Can you really borrow without having a credit check?
Generally speaking, your credit score is likely to be checked just before are givenР’ any style of loan or credit.
With them.Р’ if you are offered a loan without any form of credit check at all the lender may either be a fraudster or a loan shark and you should avoid dealing
It could be feasible to just just simply take a loan out without having a ‘full’ credit check, where a loan provider will simply make a fundamental check to make sure you aren’t a fraudulent debtor or presently bankrupt.
But be cautious, as frequently any lender prepared to just take the threat of operating just a fundamental check will have quite high expenses and strict terms that may lead you into a spiral of financial obligation. In essence, that loan without having a credit check probably be aР’ pay day loan, and would most useful be prevented.
Guarantor loans providers might just need to do a credit check into your guarantor РІР‚вЂњ a person who is ready to guarantee you certainly will pay off the loan, and become in charge of paying it back once again for you personally in the event that you are not able to do so РІР‚вЂњ but it is most likely they’ll run a credit https://speedyloan.net/personal-loans-ca check into both both you and your guarantor.
Generally speaking, guarantor loans tend to be more legitimate and less expensive than payday advances, but there is however nevertheless an amount that is high of, not merely on your own, but finally for the friend that is happy to function as the guarantor.
What exactly is a credit check?
A credit check is performed by finance institutions such as for instance banking institutions and creditors if you submit an application for certainly one of their products.
They appear at your credit file, which will show a history of the interactions that are financial including debts paid back, financial obligation still owed, along with missed payments, defaults as well as other information.
Your credit history additionally is sold with a rating, that is according to just exactly how dangerous your history shows you may be as time goes by. Lenders make use of your credit file among the decisive facets whenever approving or rejecting the job.
Virtually every loan you make an application for calls for a credit check. In certain unusual circumstances, such as for example with pay day loans plus some guarantor loans, you’ll not be susceptible to a credit check (also if you should be, they will certainly likely maybe not ponder over it crucial).
Exactly exactly How your credit rating impacts your ability to borrow
All the credit that is main providers have actually their rating system, nonetheless they generally determine it centered on comparable danger facets, and additionally they generally conclude that the bigger your rating is, the less of the danger you might be, plus the lower your rating is, the greater of a danger you might be.
Loan providers are more inclined to accept applicants whom pose small to no danger, in accordance with the credit check they carry down. Then you should have a good score if you pay your bills on time and have very little outstanding debt, and you have no history of missed payments.
These interactions assist loan providers assess your most likely future behaviour. Credit ratings could be very unforgiving, because one slip that is small makes it extremely tough to have use of exactly the same discounts as before. But, you will find things you can do to boost your credit rating.
Ways to enhance your credit history
First off, settling your financial situation may be the way that is best to boost your credit rating. Having a brief history of spending debts, and clearing them, frequently, instantly reveals that you may be a lender that is responsible.
Many individuals that have never really had a charge card or ever endured almost any loan will probably have a rather credit score that is poor. Loan providers wish to observe that you understand how to undertake financial obligation.

domain: finance


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Adler House Baker City
I love gathering inspiration from old historic places. On a recent trip to Eastern Oregon's Baker City, we toured the 1889 Italianate Alder House. Back in the late 1800s Baker City was once a booming place to be, even larger than the city of Portland was back then.
During his lifetime Leo Adler, a philanthropist, amassed a fortune of $21 million. He lived in this house for 94 years. Leo loved his home town so much that when he died he left everything, all $21 million to Baker City!
Upstairs sitting room where you can see the original wallpaper covering the walls. One of the amazing things about this beautiful home is all the upstairs wallpaper is original and a sight to behold. Every room, ceiling and closet is covered.
Samples from different rooms. Each room covered in patterns of metallic papers.
Even the ceiling....wallpaper!
Adler family photos
Hope you enjoyed this little inspirational tour. Let me know what you think in the comments below. Have a wonderful week and see you soon!


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domain: game