text:
Q: lateral animation and setInterval() I need to start, stop and restart a lateral animation with Javascript, with some search i found that Jquery animate() needs a plugin to do start-stop-restart, but i won't to use a plugin for do this (not waist your time to ask "why not?").
So, I asked me: "why you not use setInterval() to do this lateral animation and stop it with clearInterval()?
This is my code, is correct or is a crazy work for browser? I need to build a "efficent" (in terms of browser works) script but, I'm not the best about this. Have mercy plz.
window.newsflash.interval = setInterval(function() {
    if(liWidthTot + $('.fn_container ul').css("left") <= 0)
        $('.fn_container ul').css('left', containerWidth);
    $('.fn_container ul').css("left", "-=1px");
},10);

//handler
$("#xml").on({
    mouseenter: function(){
        clearInterval(window.newsflash.interval);
    },
    mouseleave: function(){
        window.newsflash.interval = setInterval(function() {
            if($('.fn_container ul').css("left") - liWidthTot <= 0)
                $('.fn_container ul').css('left', containerWidth);
            $('.fn_container ul').css("left", "-=1px");
        },10);
    }
});

its only a peace of my Js code... I not need to know how to... but if use setInterval() is a bad idea.
----- edit ----
Now:
var newsList = document.getElementById("newsList");
window.newsflash.interval = setInterval(function() {
    if(liWidthTot + parseInt(newsList.style.left) <= 0) newsList.style.left = containerWidth +"px";
    ewsList.style.left = (parseInt(newsList.style.left) -1) + "px";
},10);

//handler
$("#xml").on({
    mouseenter: function(){
        clearInterval(window.newsflash.interval);

    },
    mouseleave: function(){
        window.newsflash.interval = setInterval(function() {
            if(liWidthTot + parseInt(newsList.style.left) <= 0) newsList.style.left = containerWidth +"px";
            newsList.style.left = (parseInt(newsList.style.left) -1) + "px";
        },10);
    }
})

Thx mates.

A: setInterval is a perfectly legitimate way of doing animation. But using jQuery's animate method to start, stop, and restart an animation is also easy. To my eye, both solutions perform about the same, but it's up to you to decide which syntax seems more straightforward.
Demo using jQuery's $.animate()
Demo using setInterval()
In terms of performance, the main thing you want to do is make sure you're saving references to jQuery objects, rather than refetching them. You'll notice that in my examples I save the reference to the ul like this:
var $ul = $('.fn_container ul');

...so that it doesn't have to be fetched over and over.
Also: you might consider looking into CSS3 animations for a smoother look. You can even use something like jQuery Transit so that you can stick with jQuery animation syntax.


Root canal therapy is an effective treatment for root canal infections, helping to alleviate dental pain and restore oral health.
Here, Dr. Stephen J. Malki explains what to expect during root canal therapy recovery during consultations at our practice in Bergen County, NJ.
Recovery after root canal therapy is typically short, with most patients feeling fully recovered within a week of treatment. Some may feel back to normal sooner, typically within a few days of root canal therapy.
Many patients feel ready to return to their normal routine once the anesthesia used during treatment wears off while some may prefer to rest a full day.
During root canal therapy, infected nerves and pulp tissues are removed from inside the tooth and the root canal is cleaned. Removing infected nerve tissue can provide immediate relief from dental pain caused by root canal infections. However, some discomfort may be expected after root canal therapy.
It's actually normal to feel some pain, tenderness, or discomfort after root canal therapy, especially once the anesthesia used during the procedure wears off. For most patients, discomfort is mild and usually resolves within a few days of treatment.
Although discomfort may be expected after treatment, it's important to note that the pain or tenderness many patients experience is actually residual pain from the root canal infection itself. Root canal infections can cause the tissues and ligaments surrounding the tooth to become inflamed. Once the infection is treated, it can take a few days for the surrounding tissues to recover and heal.
For most patients who experience pain or discomfort after root canal therapy, an over-the-counter pain medication is typically sufficient for managing pain. Anti-inflammatory medications, such as ibuprofen, are often recommended as most post-root canal therapy pain is caused by tissue inflammation.
It's also important to avoid chewing on the treated tooth for a day or two after root canal therapy to prevent further swelling and to allow the tissues surrounding the tooth time to heal.
Applying ice packs to the jaw or cheek can also help reduce inflammation and alleviate pain. When using an ice pack, be sure not to place the ice pack directly against the skin. Instead, wrap it in a cloth or towel and never apply the ice pack for longer than 20 minutes at time.
Sometimes a root canal infection will spread beyond the tissues within the tooth, affecting the gums and jawbone. In such cases, antibiotics are often prescribed to help treat the infection and restore oral health.
When antibiotics are prescribed during recovery, it is important to take them as directed and to take them for the duration of the prescription to fully treat the infection and decrease the risk of the infection returning.
Although the gums and surrounding tissue may be sore after root canal therapy, it is important not to skip brushing and flossing throughout recovery and after.
Brushing and flossing regularly is one of the most effective ways to prevent tooth decay and root canal infections. In order to do so, the teeth should be brushed at least twice a day for two minutes each, and flossed at least once a day.
To learn more about root canal therapy and find out if this treatment is right for you, please call (201) 646-0800 to schedule a consultation.


Microfinance is the supply of loans, savings, and other basic financial services to the poor. People living in poverty, like everyone else, need a diverse range of financial instruments to run their businesses, build assets, stabilize consumption and shield themselves against risks. Financial services needed by the poor include working capital loans, consumer credit, savings, pensions, insurance, and money transfer services.
The poor rarely access services through the formal financial sector. They address their need for financial services through a variety of financial relationships, mostly informal. Credit is available from informal commercial and non-commercial money-lenders, but usually at a very high cost to borrowers. Savings services are available through a variety of informal relationships like savings clubs, rotating savings and credit associations, and mutual insurance societies that have a tendency to be erratic and insecure.
Providers of financial services to the poor include donor-supported, non-profit, non-governmental organizations (NGOs) and cooperatives, community-based development institutions like self-help groups and credit unions, commercial and state banks, insurance and credit card companies, post offices, and other points of sale. Non-bank financial institutions and NGOs have led the way in developing workable credit methodologies for the poor and reaching out to large numbers of the poor. Throughout the 1980s and 1990s, these programmes improved upon the original methodologies and bucked conventional wisdom about financing the poor. They have shown that the poor repay their loans and are willing and able to pay interest rates that cover the costs of providing the loans.
Financial services for the poor have proved to be a powerful instrument for poverty reduction that enables the poor to build assets, increase incomes, and reduce their vulnerability to economic stress. However, with nearly one billion people still lacking access to basic financial services (especially the very poor), the challenge of providing financial services to them remain. Convenient, safe, and secure deposit services are a particularly crucial need.
The clients of microfinance—female heads of households, pensioners, displaced persons, retrenched workers, small farmers, and micro-entrepreneurs—fall into four poverty levels: destitute, extreme poor, moderate poor, and vulnerable non-poor. While repayment capacity, collateral availability, and data availability vary across these categories, methodologies and operational structures have been developed that meet the financial needs of these client groups in a sustainable manner.
How do financial services help the poor?
Poor people with access to savings, credit, insurance, and other financial services are more resilient and better able to cope with the everyday crises they face. Even the most rigorous econometric studies have proven that microfinance can smooth consumption levels and significantly reduce the need to sell assets to meet basic needs. With access to microinsurance, poor people can cope with sudden increased expenses associated with death, serious illness, and the loss of assets.
Access to credit allows poor people to take advantage of economic opportunities. While increased earnings are by no means automatic, clients have overwhelmingly demonstrated that reliable sources of credit provide a fundamental basis for planning and expanding business activities. Many studies show that clients who join and stay in programmes have better economic conditions than non-clients, suggesting that programmes contribute to these improvements. Some studies have also shown that many clients do actually graduate out of poverty over a long period of time.
By reducing vulnerability and increasing earnings and savings, financial services allow poor households to make the transformation from "every-day survival" to "planning for the future." Households are able to send more children to school for longer periods, and make greater investments in their children's education. Increased earnings from financial services lead to better nutrition and better living conditions, which translates into a lower incidence of illness. Increased earnings also mean that clients may seek out and pay for health care services when needed rather than go without or wait until their health seriously deteriorates.
Microfinance programmes have generally targeted poor women. By providing access to financial services only through women—making women responsible for loans, ensuring repayment through women, maintaining savings accounts for women, providing insurance coverage through women—microfinance programmes send a strong message to households as well as to communities. Many qualitative and quantitative studies have documented how access to financial services has improved the status of women within the family and the community. Women have become more assertive and confident. In regions where women's mobility is strictly regulated, women have become more visible and are better able to negotiate in the public sphere. Women own assets including land and housing, and play a stronger role in decision-making. There are even reports of declining levels of violence against women in some programmes that have been active for many years.
Although access to financial services opens up possibilities of improving the economic conditions of the poor, in some cases, clients can be left worse-off. Ill-advised credit can lead to too much debt. Sustainable financial services that improve the conditions of the poor depend on a clear vision of sustainability, on careful programme design, on efficient operations, and most importantly, on constantly trying to understand and meet client needs.
What is the relationship between microfinance and the Millennium Development Goals?
In September 2000, the member states of the United Nations unanimously adopted the Millennium Development Goals (MDGs). The MDGs commit the international community to a common vision of development, one in which human development and poverty reduction have the highest priority. The objective of the MDGs is to serve as guideposts and focus the efforts of the world community on achieving significant, measurable improvements in poor people's lives. The goals grew out of the agreements and resolutions of various development conferences organized by the UN in the 1990s.
The poor have physical assets—(food, clothing, housing)—and financial assets (income or savings) — with which to acquire basic necessities. Access to financial services enables the poor to increase income and smooth consumption flows, and thus expand their asset base and reduce their vulnerability. Empirical evidence shows that among the poor, those participating in microfinance programmes who had access to financial services were able to improve their well-being—both at the individual and household level—much more than those who did not have access to financial services.
Increased earning and savings provide poor people with some cushion from the day-to-day struggle of earning a living. This opens up the possibility of investing in their children's future, and in education in particular. Empirical evidence indicates that in poor households with access to financial services, children are not only sent to school in larger numbers, but they also stay in school longer. Even where children help out in family enterprises, the poverty-induced imperative of child labour decreases; school drop-out rates are much lower in client households than in non-client households.
Overall, the experience of microfinance programmes points to strong evidence that the access to financial services and the resultant transfer of financial resources to poor women, over time, lead to women becoming more confident, more assertive, and better able to confront systemic gender inequities. Access to finance enables poor women to become economic agents of change by increasing their income and productivity, access to markets and information, and decision-making power. Existing studies show that this empowerment is very real and can take different forms.
However, it would be wrong to assume access to financial services automatically has a positive impact on women's welfare. In some instances, women's access to microfinance may result in increased violence within the household, leaving them with a greater loss of power. Women borrowing for a microenterprise may end up being forced to work longer hours and lose control over financial resources and decision-making to male members of the family. Neither should microfinance be seen as a substitute for dealing with key structural issues pertinent to women and poverty, such as lack of skills and education, or legislation that discriminates against women (e.g., property rights, agrarian or land reform, trade agreements).
Other than hunger, illness is generally the most important risk that poor people periodically face. Deaths due to illness, time taken off from work because of an illness, and health care-related expenses erode incomes and savings, and often force the poor to sell assets and go into debt. Increased earnings and savings allow clients to seek out and pay for health care services when needed rather than wait for conditions to deteriorate. In addition, many microfinance institutions actively promote health education. This may take the form of a few simple, preventive health care messages on immunization, safe drinking water, and pre and post-natal care. Some programmes provide credit products for water and sanitation that directly improve clients' living conditions. A few programmes have also taken initiatives to promote health insurance for their clients.
There has been very little study of the extent of the impact of financial services for the poor on safe drinking water, sanitation, or other forms of environmental sustainability. However, there is evidence that with increased earnings, the poor do invest in improved housing, water, and sanitation. Many microfinance programmes provide specific loans for tube wells and toilets. Other programmes, such as Self Employed Women's Association (SEWA) in India have creatively linked microfinance to slum improvement projects. Such projects help build community infrastructure tap water, toilets, drainage, and paved roads that are paid for by community residents through loans from microfinance institutions.
The last MDG provides the means to achieve the other goals. Access to financial services enables the poor to fight the various dimensions of poverty and make improvements to their lives. Whether they save or borrow, evidence shows that when poor people have access to financial services, they choose to invest their loans, additional earnings, or savings in a wide range of activities and assets that benefit them and their households. Thus, access to financial services provides the poor with the means to make improvements in their lives—in other words, to achieve most of the MDGs—on their own terms, in a sustainable way. Access to credit, savings, or other financial services is only one of a series of strategies needed to reduce poverty and achieve the MDGs. Financial services need to be complemented by access to education, health care, housing, transportation, markets, and information.
What is a microfinance provider (MFP)?
A microfinance provider (MFP) is an organization that provides financial services to the poor. This very broad definition includes a wide range of providers that vary in their legal structure, mission, methodology, and sustainability. However, they all share the common characteristic of providing financial services to a clientele poorer and more vulnerable than traditional bank clients.
A historical context can help explain how specialized MFPs developed over the last few decades. Governments and donors focused on providing subsidized agricultural credit to small and marginal farmers, in the hopes of raising productivity and incomes between the 1950s and 1970s. Microenterprise credit concentrated on providing loans to poor women to invest in tiny businesses, enabling them to accumulate assets and raise household income and welfare during the 1980s. These experiments resulted in the emergence of non-governmental organizations (NGOs) that provided financial services for the poor. In the 1990s, many of these institutions transformed themselves into formal financial institutions in order to access and on-lend client savings, thus enhancing their outreach.
A MFP can be broadly defined as any organization—credit union, down-scaled commercial bank, specialized microfinance bank, financial NGO, or credit cooperative—that provides financial services to the poor.
Formal providers are sometimes defined as those that are subject not only to general laws but also to specific banking regulation and supervision (development banks, savings and postal banks, microfinance banks, commercial banks, and non-bank financial intermediaries). Formal providers may also be any registered legal organizations offering any kind of financial services. Semi-formal providers are registered entities subject to general and commercial laws but are not usually under bank regulation and supervision (financial NGOs, credit unions, and cooperatives). Informal providers are non-registered groups such as rotating savings and credit associations (ROSCAs) and self-help groups.
The ownership structures of MFPs can be of almost any type imaginable. They can be government-owned, like Khushalli Bank Limited; member-owned, like the credit unions in West Africa; socially-minded shareholders, like many transformed NGOs in Latin America and profit-maximizing shareholders, like the microfinance banks in Eastern Europe.
The focus of some providers is exclusively on financial services to the poor. Others are focused on financial services in general, offering a wide range of financial services for different markets. Organizations providing financial services to the poor may also provide non-financial services. These services can include business-development services like training and technical assistance, or social services, like health and empowerment training.
The services that poor people need and demand are the same types of financial services that everyone else demands. The most well-known service is non-collateralized "micro-loans" delivered through a range of group-based and individual methodologies. The menu of services offered also includes others adapted to the specific needs of the poor, such as savings, insurance, and remittances. The types of services offered are limited by what is allowed by the legal structure of the provider (non-regulated institutions are not generally allowed to provide savings or insurance).
Can financial services for the poor be profitable?
Microfinance, or financial services for the poor, can be profitable. The November 2001 issue of the MicroBanking Bulletin includes data from 62 self-sufficient MFIs. The average return on assets for this group is 5.5 %, which compares favourably to commercial-bank returns. Indeed, there are grounds for hope that microfinance can become attractive to mainstream retail bankers.
At the same time, some worry that an excessive concern for profit in microfinance will lead MFIs away from poor clients to serve better-off clients who want larger loans. It is true that programmes serving very poor clients are somewhat less profitable than those reaching better-off clients, but this may say more about managers' objectives than an inherent conflict between serving the very poor and profitability. Microfinance institutions serving the very poor are showing rapid financial improvement. Microfinance programmes like Association for Social Advancement (ASA) in Bangladesh and the Bangladesh Rural Advancement Committee have already demonstrated that very poor clients can be reached profitably: both institutions had profits of more than four percent of assets in 2000.
There are cases where microfinance cannot be made profitable, for example, where potential clients are extremely poor and risk-averse or live in remote areas with very low population densities. In such settings, microfinance may require continuing subsidies. Whether microfinance is the best use of these subsidies will depend on evidence about its impact on the lives of these clients.
Why do MFPs charge high interest rates?
To maintain and increase its services over time, an MFP must charge interest rates high enough to cover the cost of its loans. Otherwise, the MFP will lose money. Its activities will shrink rather than grow unless it is continually infused with fresh money from private donors or governments. The problem is that donor and government money is not reliable and there is not enough to meet demand. Commercial investment funding is available, but MFPs must be sustainable, i.e., profitable enough to continue in order to attract this investment.
There are three kinds of costs the MFP has to cover when it makes microloans. The first two, the cost of the money that it lends and the cost of loan defaults, are proportional to the amount lent. For instance, if the cost paid by the MFP for the money it lends is ten percent and it experiences defaults of one percent of the amount lent, then these two costs will total 11 % for a loan of PKR 100, and PKR 55 for a loan of PKR 500. An interest rate of 11 % of the loan amount thus covers both these costs for either loan.
The third type of cost, the transaction cost, is not proportional to the amount lent. The transaction cost of the PKR 500 loan is not much different from the transaction cost of the PKR 100 loan. Both loans require roughly the same amount of staff time for meeting with the borrower to appraise the loan, processing the loan disbursement and repayments, and follow-up monitoring. If one assumes that the transaction cost is PKR 25 per loan and that the loans are for one year, the MFP would need to collect interest of 50 + 5 + 25 = PKR 80 to break even on the PKR 500 loan, which represents an annual interest rate of 16 %. To break even on the PKR 100 loan, the MFP would need to collect interest of 10 + 1 + 25 = PKR 36, which is an interest rate of 36 %. At first glance, a rate this high looks abusive to many people, especially when the clients are poor. But in fact, this interest rate simply reflects the basic reality that when loan sizes get very small, transaction costs loom larger because these costs cannot be cut below certain minimums.
Lending programmes that continually subsidize their borrowers will de-capitalize themselves unless they continue to receive new subsidies from donors or governments. By contrast, MFPs who charge their clients enough to cover all the loan costs can attract funding from commercial sources and are capable of exponential growth without relying on scarce and uncertain subsidies as funding sources. Microfinance institutions have to charge rates that are higher than normal banking rates to keep the service available, but even these rates are far below what poor people routinely pay to village money-lenders and other informal sources, whose percentage interest rates routinely rise into the hundreds and even the thousands.
This does not mean that all high-interest charges by MFPs are justifiable. Sometimes MFPs, especially ones that are funded by donors, are not aggressive enough in containing transaction costs. The result is that they pass on unnecessarily high transaction costs to their borrowers. Sustainability should be pursued by cutting costs as much as possible, not just by raising interest rates to whatever the market will bear.
How do poor people save?
Poor people save all the time, although mostly in informal ways. They invest in assets such as gold, jewellery, domestic animals, building materials, and things that can be easily exchanged for cash. They may set aside corn from their harvest to sell at a later date. They bury cash in the garden or stash it under the mattress. They participate in informal savings groups where everyone contributes a small amount of cash each day, week, or month, and is successively awarded the pot on a rotating basis. Some of these groups allow members to borrow from the pot as well. The poor also give their money to neighbours to hold or pay local cash collectors to keep it safe.
However widely used, informal savings mechanisms have serious limitations. It is not possible, for example, to cut a leg off a goat when the family suddenly needs a small amount of cash. In-kind savings are subject to fluctuations in commodity prices, destruction by insects, fire, thieves, or illness (in the case of livestock). Informal rotating savings groups tend to be small and rotate limited amounts of money. Moreover, these groups often require rigid amounts of money at set intervals and do not react to changes in their members' ability to save. Perhaps most importantly, the poor are more likely to lose their money through fraud or mismanagement in informal savings arrangements than are depositors in formal financial institutions.
The poor lack access to safe, formal deposit services. Institutions that mobilize deposits like banks, credit unions, and postal savings banks are often too far away, or the time and procedures needed to complete transactions are onerous. These organizations may also impose minimum transaction sizes and/or require depositors to retain a minimum balance, both of which can exclude the poor. Operating hours may not be convenient for poor depositors, nor are they welcome as clients.
Despite these constraints, some financial institutions have developed savings products appropriate to the needs of the poor. These institutions have found that when poor people have a choice, they choose to save far more often than they choose to borrow.
What is the government's role in microfinance?
Governments play a complex role in microfinance. Until recently, many governments believed that it was their responsibility to provide development finance, including direct lending to the disadvantaged. But decades of experience have shown that when governments engage in retail lending to the poor, they almost always do it badly. Short-term political gain is very tempting for politically controlled lending organizations: they disburse too quickly, and they collect too sporadically because they are unwilling to be tough on defaulters. Furthermore, good microfinance requires an agile and efficient corporate culture which can be difficult to maintain in an organization subject to government hiring and firing policies.
More recently, many governments have recognized that they can not do a good job of lending to the poor, yet they still seek to promote such lending by setting up apex facilities that make wholesale funding available to a range of private microfinance providers. Such apexes can be useful if the country has a critical mass of solid microfinance providers (MFPs). However, they usually have not been effective in developing good institutions where few or none existed before, and they are likely to be subjected to political pressure unless their structure effectively precludes government influence.
Although governments are not usually good at lending, they play an important role in setting appropriate policies. The key things a government can do for microfinance are to maintain macroeconomic stability and to avoid interest-rate caps that prevent MFPs from covering their costs and operating sustainably. Beyond this, it is doubtful that the development of microfinance, at least in its earlier stages, requires a national policy framework. No such framework was present in most countries where microfinance first reached massive numbers of clients—for instance, in Bangladesh, Indonesia, and Bolivia. In fact, political attention to microfinance has sometimes done more harm than good.
What is the role of regulation and supervision in microfinance?
Banks are regulated to protect their depositors and to prevent risks to the financial system. Credit-only MFPs do not take deposits from the public and are too small to pose much risk for the financial system. Regulation by the financial authorities is needed for MFPs that do take deposits, for instance, savings-based financial cooperatives or credit-based MFPs that want to start taking deposits to finance their growth.
In many countries, various factions are pushing for new laws to create a special, new type of financial license that is tailor-made for deposit-taking MFPs. Such laws need to be approached with care. New licensing windows for MFPs have been most successful in countries where a critical mass of profitable credit-only MFPs existed before the opening of the window.
Drafters of new legislation typically fail to give enough attention to the practical feasibility of supervising compliance with new regulations.
Microfinance institutions that do not take deposits do not need intensive regulation and supervision, but they do need a certain minimum regulatory structure in order to operate. In the transition economies of former socialist countries, legislation is sometimes necessary to clarify the right of NGOs and other non-bank institutions to engage in the business of lending.
In all countries, enforcement of unrealistically low interest-rate caps can make sustainable micro-lending impossible. Microfinance institutions need to charge interest rates that are considerably higher than normal bank rates because the administrative costs of making small loans are high in relation to the amount lent.
How can donors best support financial services for the poor?
Donors who support financial services for the poor are advised to search out MFPs that are committed to financial self-sufficiency. Sustainability—the ability of an MFP to cover all of its costs through interest paid by its clients and other income—is the cornerstone of sound microfinance. Financially sustainable MFPs can become a permanent part of the financial system because they can stay in business when grants or soft loans are no longer available.
To promote sustainable providers of financial services to the poor, donors are advised to make capacity building a key component of their microfinance programming. Many small MFPs require institution-strengthening grants and technical assistance before they can reach the operational and financial self-sufficiency needed to sustain large-scale growth.
The time-intensive task of building institutional capacity includes such varied tasks as designing and implementing a management information system, cultivating strategic and human resource management, developing financial forecasting capabilities, instituting transparent financial reporting, internal controls, and audit practices, and implementing a product development process. For NGOs seeking to transform into regulated financial institutions, it also means creating a shareholder organization, attracting equity investment, and forming a strong board of directors.
At the other end of the spectrum, donors are discouraged from only funding strong MFPs that already have access to commercial investors. The principal task of donors should be to identify and bet on promising but riskier MFPs, leaving the known winners to commercial investors.
Donors are also encouraged to adjust their country-level programming to facilitate funding of global or multi-country MFP networks. These networks provide much-needed technical assistance to their members while supporting industry-wide measures such as performance standards and transparency in financial reporting.
When is microcredit NOT an appropriate poverty intervention tool?
In the last two decades, substantial progress has been made in developing techniques to deliver financial services to the poor on a sustainable basis. Most donor interventions have concentrated on one of these services For microcredit to be appropriate however, clients must have the capacity to repay loans under the terms by which they were provided. Otherwise, clients may not be able to benefit from credit, and may instead risk being pushed into debt problems. This sounds obvious, but microcredit is viewed by some as a "one-size-fits-all" solution. Instead, microcredit should be carefully evaluated against the alternatives when choosing the most appropriate intervention tool for a specific situation.
Microcredit may be inappropriate where conditions pose severe challenges to standard microcredit methodologies. Populations that are geographically dispersed or nomadic may not be suitable microfinance candidates. Microfinance may not be appropriate for populations with a high incidence of debilitating illnesses (e.g., HIV/AIDS). Dependence on a single economic activity or single agricultural crop, or reliance on barter rather than cash transactions may pose problems as well. The presence of hyperinflation or absence of law and order may stress the ability of microfinance to operate. Microcredit is also much more difficult when laws and regulations create significant barriers to the sustainability of microfinance providers (for example, by mandating interest-rate caps). However, strong and innovative microfinance providers are able to operate even in extremely challenging circumstances. These providers uphold two prerequisites of successful microcredit: discipline (both for clients [timely repayment] and institutions [business practices that lead to sustainability]); and no subsidization of interest rates.
Savings can benefit people in many of the situations unsuitable for microcredit outlined above, if savings can be protected against losses. For example, after war or other conflicts, people want to rapidly begin saving small amounts of cash so that they can buy more productive assets in the future. Savings facilities also provide a means to reduce vulnerability by managing risk and cash flow. The product range, information systems, physical infrastructure, and lending capacity (for intermediating the savings collected) of regulated financial institutions may need to be strengthened in order to provide well-designed and secure deposit services to the poor. At the same time, non-regulated institutions may first need to transition to a regulated legal form in order to be allowed to offer deposits to the public.
Financial entitlements such as termination payments and one-time grants are often more suitable for immediate post-crisis situations, as well as for assisting the chronically poor, retrenched workers, and high-risk groups with little work experience.
Safety-net grants can provide a temporary solution to people hit by crisis. Displaced persons during or immediately following a conflict, or those affected by natural disasters, such as earthquakes and floods, may be better-suited for targeted "safety-net" grants that enable them to rebuild their livelihoods and replace lost assets. The alternative of providing credit to those not able to use it productively could push already vulnerable people into debt.
Grants can be used to help overcome the social isolation, lack of productive skills, and low self-confidence of the extreme poor, and prepare them for the eventual use of microcredit. Small grants and other financial entitlements can work well as first steps to "graduate" the poor from vulnerability to economic self-sufficiency.
Investments in infrastructure, such as roads, communications, and education, provide a foundation for economic activities. Community-level investments in commercial or productive infrastructure (such as market centres or small-scale irrigation schemes) also facilitate business activity.
Employment programmes prepare the poor for self-employment. Food-for-work programmes and public works projects fit this model. In many cases, these programmes may be out of reach for cash-strapped local governments, but within the purview of donors.
Non-financial services range from literacy classes and community development to market-based business-development services. While non-financial services should be provided by separate institutional providers, there are clear, complementary links with the demand for and impact of microcredit. For example, improved access to market opportunities stimulates—and depends on—securing credit to cover the costs (product design, transport, etc.) of taking advantage of those opportunities.


text:
package org.majimena.petical.web.api.clinics;

import org.majimena.petical.domain.Clinic;
import org.majimena.petical.domain.errors.ErrorCode;
import org.majimena.petical.repository.ClinicRepository;
import org.majimena.petical.web.api.AbstractValidator;
import org.majimena.petical.web.utils.ErrorsUtils;
import org.springframework.transaction.annotation.Transactional;
import org.springframework.validation.Errors;

import javax.inject.Inject;
import javax.inject.Named;
import java.util.Optional;

/**
 * クリニックドメインのカスタムバリデータ.
 */
@Named("clinicValidator")
@Transactional(readOnly = true)
public class ClinicValidator extends AbstractValidator<Clinic> {

    /**
     * クリニックリポジトリ.
     */
    @Inject
    private ClinicRepository clinicRepository;

    /**
     * {@inheritDoc}
     */
    @Override
    protected void validate(Optional<Clinic> target, Errors errors) {
        target.ifPresent(clinic -> {
            // ID存在チェック
            validateId(Optional.ofNullable(clinic.getId()), errors);
        });
    }

    private void validateId(Optional<String> value, Errors errors) {
        value.ifPresent(id -> {
            Clinic one = clinicRepository.findOne(id);
            if (one == null) {
                ErrorsUtils.rejectValue("id", ErrorCode.PTZ_999998, errors);
            }
        });
    }
}

redpajama_set_name: RedPajamaGithub


text:
WGRU may refer to:

 WGRU-LP, a low-power radio station (99.1 FM) licensed to serve Riverdale, Georgia, United States
 WPGS, a radio station (840 AM) licensed to serve Mims, Florida, United States, which held the call sign WGRU from 2009 to 2011

redpajama_set_name: RedPajamaWikipedia


The East Indiaman Götheborg is anything but an ordinary conference venue. It is a historical ship that has crossed the world's oceans; it's filled with drama and history, making it the world's best venue for inspiration and energy.
The ship with the adjacent Ship Hall provides creative and inspiring settings that suits small and medium-sized companies. You can make the conference extra special with a guided tour by our knowledgeable guides sometime during the course of the day. We provide morning and afternoon coffee breaks as well as lunch. Why not finish off the evening with a dinner on board?
For smaller groups, the Large Cabin provides an inspiring meeting place. For larger groups, our Ship Hall serves more suitable. If group rooms are needed, there are other exciting spaces on the ship to work in: the ship's Forecastles, its large reception cabin and parts of the Gun Deck. We offer everything necessary to ensure the success of your meeting. We provide an overhead projector, a screen, an LCD screen and Internet access for your presentations.


5M may revoke any of the foregoing rights at any time.
Note that any product, process or technology described in the document may be the subject of other Intellectual Property rights reserved by 5M, and are not licensed hereunder.
5M and the 5M logo are trademarks or registered trademarks of 5M. All other product names mentioned herein are the trademarks of their respective owners.
THIS PUBLICATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN; THESE CHANGES WILL BE INCORPORATED IN NEW EDITIONS OF THE PUBLICATION. 5M MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED IN THIS PUBLICATION AT ANY TIME.


At WastePages, we strive to bring you the best service at the best price available. We have a wide selection of dumpster sizes in stock in Wahiawa, HI, with flexible & timley pickup and delivery. Give us a call today for all your dumpster rental and roll off needs.
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Daily Torah Reading
Exodus 6:2-6:13
God spoke to Moses and said to him, "I am the Lord. I appeared to Abraham, Isaac, and Jacob as El Shaddai, but I did not make Myself known to them by My name YHVH. I also established My covenant with them, to give them the land of Canaan, the land in which they lived as sojourners. I have now heard the moaning of the Israelites because the Egyptians are holding them in bondage, and I have remembered My covenant. Say, therefore, to the Israelite people: I am the Lord. I will free you from the labors of the Egyptians and deliver you from their bondage. I will redeem you with an outstretched arm and through extraordinary chastisements. And I will take you to be My people, and I will be your God. And you shall know that I, the Lord, am your God who freed you from the labors of the Egyptians. I will bring you into the land which I swore to give to Abraham, Isaac, and Jacob, and I will give it to you for a possession, I the Lord." But when Moses told this to the Israelites, they would not listen to Moses, their spirits crushed by cruel bondage. The Lord spoke to Moses, saying, "Go and tell Pharaoh king of Egypt to let the Israelites depart from his land." But Moses appealed to the Lord, saying, "The Israelites would not listen to me; how then should Pharaoh heed me, a man of impeded speech!" So the Lord spoke to both Moses and Aaron in regard to the Israelites and Pharaoh king of Egypt, instructing them to deliver the Israelites from the land of Egypt.
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Leviticus 19:1-19:14
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MORE Torah READINGS
When a man has an emission of semen, he shall bathe his whole body in water and remain unclean until evening. All cloth or leather on which semen falls shall be washed in water and remain unclean until evening. And if a man has carnal relations with ...
When he has made expiation for himself and his household, and for the whole congregation of Israel, he shall go out to the altar that is before the Lord and purge it: he shall take some of the blood of the bull and of the goat and apply it to each of...
The fat of the sin offering he shall turn into smoke on the altar. He who set the Azazel-goat free shall wash his clothes and bathe his body in water; after that he may reenter the camp. The bull of sin offering and the goat of sin offering whose ...
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Leviticus 1:1-13
Note: The Torah reading for the second day of Passover is Leviticus 22:26-23:44 and Numbers 28:16-25. To read the entire Torah reading for today, please click here. The Lord spoke to Moses, saying: When an ox or a sheep or a goat is born, it sha...
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© Featuring photo by @dotzsoh "...beautiful tulips all over Istanbul makes me smile." ~~~~~~~~~~~~~~~~~ For more fantastic photos please visit the artists amazing gallery.
🥀🌺🌻💮🌷. . . . #fingerprintofgod #ig_greatshot #ig_bestshots #color_captures #jj_forum_2587 #raw_macro #macro_freaks #raw_community #raw_flowers #petal_perfection #raw_pink #goandcapturethelight #vizorturkflowermacro #macro_delight #macro_highlight #macro_perfection #soulful_moments #royalsnappingartists #rebel_macro #zonephotographer #gramoftheday #gotd_2187 #moodygrams #moody_captures #ig_serenity #jj_mobilephotography #raw_mobile #kings_flora #kings_macro #macro_brilliance.


A member of CDAR (California Desert Association of Realtors), CAR (California Association of Realtors), NAR (National Association of Realtors) and the Indian Wells Platinum Key Agent program.
In addition, I have a B.S. in Marketing and Management, certified Short Sale Specialist (SFR) by NAR and a BPOR (Broker Price Opinion Resource) by NAR. Former work experience includes working for a division of First American Data Corp.,providing expertise in selling marketing solutions to lenders, real estate investors, appraisers and title companies. I also worked for the consumer credit company, Experian, and gained expertise in the credit industry managing national credit related direct marketing campaigns.
My aim is to bring integrity, intelligence, passion for perfection, and a sense of professionalism to the transactions of buying, selling and renting luxury properties. High-end clients and investors need an agent with a respect for their privacy and a high level of knowledge of their financial goals.


(Solved) The process by which eggs are produced is called oogenesis.
The process by which eggs are produced is called oogenesis.
In meiosis of oogenesis, how many mature eggs result?
Solved In meiosis of oogenesis, how many mature eggs result?
Solved The process by which eggs in a test tube are fertilized by sperm is called ________.


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About ED ED PERFORMANCE & ACCOUNTABILITY
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OSEP
2007 Archived News from OSERS
Knudsen to Serve as Deputy Assistant Secretary for the Office of Special Education and Rehabilitative Services.
William W. Knudsen will now serve as the permanent deputy assistant secretary for the Office of Special Education and Rehabilitative Services after serving as acting deputy assistant secretary. Prior to his current position, Knudsen was a special assistant to the assistant secretary of education in the Office of Legislation and Congressional Affairs (OLCA). In that capacity, he worked with Congress on the reauthorization of the Individuals with Disabilities Education Act ( IDEA ) and on the development of the IDEA regulations. His portfolio also included covering all aspects of disability policy under the Department's jurisdiction. Prior to working on IDEA , Knudsen worked on various policy issues, including the No Child Left Behind Act ( NCLB ), and served as the Department's Western Regional Liaison. Knudsen also served as the Deputy Director of Intergovernmental Affairs and as the chief of staff for the Office of Vocational and Adult Education at the United States Department of Education.
(October 18, 2007)
The ICDR Seeks Comments at Public Meeting
The Interagency Committee on Disability Research (ICDR), authorized by the Rehabilitation Act of 1973, as amended, is holding a meeting to seek comments from the public with respect to the federal disability and rehabilitation research agenda. This dialogue with the public is of critical importance, and we are encouraging individuals with disabilities, persons who represent service providers, service provider organizations, disability and rehabilitation research and policy groups, and representatives of advocacy organizations with specialized knowledge and experience to suggest specific ways to improve future research for individuals with disabilities. The ICDR is also interested in hearing from individuals concerning how well the existing federal research programs are responding to the changing needs of individuals with disabilities. Within the context of this approach, the ICDR is also asking for input on the continuum of care for wounded, injured or ill military service members.
The meeting will take place Aug. 14, 2007, from 10 a.m. to 3 p.m. at the Holiday Inn on The Hill, 415 New Jersey Ave., N.W., Washington, DC 20001. The telephone number for the hotel is 202-638-1616.
(July 25, 2007)
OSERS Releases New Publication, Learning Opportunities for Your Child Through Alternate Assessments .
OSERS Assistant Secretary John H. Hager is pleased to share with you the newly released publication, Learning Opportunities for Your Child Through Alternate Assessments . The purpose of this booklet is to introduce parents to the "big ideas" contained in school improvement efforts under the No Child Left Behind Act of 2001 ( NCLB ) and the Individuals with Disabilities Education Act ( IDEA ), and to provide them with the information they need to help ensure their children can benefit from these efforts. HTML, PDF and Word versions of Learning Opportunities for Your Child Through Alternate Assessments can be found on the Department's Web site at www.ed.gov/parents/needs/speced/learning.
OSERS Releases Updated Publication, Opening Doors: Technology and Communication Options for Children With Hearing Loss , and New Spanish Version, Que se abran las puertas: Opciones de tecnología y comunicación para los niños con pérdida auditiva .
OSERS Assistant Secretary John H. Hager is pleased to announce the release of the updated publication Opening Doors: Technology and Communication Options for Children With Hearing Loss and the Spanish version, Que se abran las puertas: Opciones de tecnología y comunicación para los niños con pérdida auditiva . These publications provide background on early intervention, the use of technology and other support available to children with hearing loss and their families. HTML, PDF and MS Word versions of both publications are on the Department's Web site at www.ed.gov/about/offices/list/osers/products/opening_doors.
Proposed Regulations Would Ease Burdens, Assure State Accountability to Help Infants, Toddlers with Disabilities
The U.S. Department of Education today proposed regulations to ease bureaucratic burdens, increase flexibility and assure accountability by states in helping prepare America's infants and toddlers with disabilities for success in school. In proposed rules for Part C of the Individuals with Disabilities Education Act ( IDEA ) to be published in the May 9 Federal Register , the department sought to ensure that states provide early intervention services to children birth through age 2 in a timely and effective manner.
[ IDEA 2004 Part C NPRM Web page]
Secretary Spellings Announces New Regulations to More Accurately Assess Students With Disabilities
U.S. Secretary of Education Margaret Spellings today announced new regulations under No Child Left Behind ( NCLB ) allowing states to test certain students with disabilities using an alternate assessment that more appropriately aligns with students' needs and yields more meaningful results for schools and parents. The new regulations provide states and schools with greater flexibility by allowing them to more accurately evaluate these students' academic progress and tailor instruction based on individual needs.
(April 4, 2007)
NIDRR Long-Range Plan for Fiscal Years 2005-09: Executive Summary
The NIDRR Long-Range Plan for Fiscal Years 2005-09: Executive Summary is a concise synopsis of the full NIDRR Long-Range Plan for Fiscal Years 2005-09. The full plan guides the work of NIDRR, the federal government's key agency for disability and rehabilitation research. It includes highlights of past NIDRR research, assesses emerging needs and sets new directions for the future. The Executive Summary includes the NIDRR Logic Model and future research priorities in the domains of employment, participation and community living, health and function, technology for access and function, and disability demographics.
What's New in OSERS
Archived News from OSERS
<< 2008 | 2007 | 2006 >>
About OSERS | People and Offices | Programs and Projects
Grants and Funding | Legislation and Policy
Publications and Products | Research and Statistics
Additional Resources | Contact and Feedback | FAQs


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Q: SoundCloud Embedding in Static HTML Website I wanted to Purchase a server to host a site and i am embedding SoundCloud in the site i want to that as youtube embedding uses youtube bandwidth and not the hosting website space. so similarly does soundcloud uses the bandwidth of the hosting site or its own bandwidth after embedding the soundcloud
Below is the iframe for Soundcloud
<iframe width="100%" height="800" scrolling="no" frameborder="no" src="https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/users/23397058&auto_play=false&hide_related=false&show_comments=true&show_user=true&show_reposts=false&visual=true"></iframe>

A: The media is stored on SoundCloud's servers and the browser fetches it from there.

redpajama_set_name: RedPajamaStackExchange


MayaLou Banatwala Performs at the August 17th Market + Apple Recipes!
Seeders and Feeders premiered some first-of-the-season apple varieties last week (Honeycrisp and "Mystery") with more to come. Check out the apple recipes below to take full advantage of this crop. North Oaks Farm had loads of seasonal produce like acorn squash and corn as well as fresh batches of homemade jams. Back Acres Farm brought tomatoes, melons, canned goods, meat, eggs, and lots of other veggies.
Did you snag a slice of Aunt Flora's poundcake last week? It had a creamy crumb on the inside and a delightful crunch on the outside. Keep your eyes peeled for special features from these folks. Like Mom's Only Vegan also premiered their small bags of vegan cookies along with the regular-sized bags. Shadeau Bread had not only pastries (chocolate croissants!) and bread, but also cut flowers and Mt. Healthy Honey. Gaiser Bee Company will be back with their local honey and honey products and Bright Soapworks will be at the market (as long as it's not raining, which would ruin the soap) with their wide range of rich, fragrant soaps. FYI the Lavender Patchouli sold out last week. J &R Southern Grill continues to join us most weeks with their burgers, metts, ribs, sides, and more.
We are excited to welcome MayaLou Banatwala to the market this week! She plays sweet, soulful sounds on the ukulele and is also the lead singer of the rock/soul/blues band Heavy Hinges. MayaLou will be at the market from 3 to 4:30.
Many of the varieties of apples available at local farmers' market are ones you will never find in a grocery store. For example, the 'Lodi' early transparents that Seeders and Feeders had earlier this season do not store or ship well so they don't ever make it to Kroger, but they do make delicious apple pie. Apples are a source of fiber, vitamin C, and potassium. Remember that the fiber is primarily found in the skin and cooking will decrease the vitamin C (though not the potassium). If you've never made applesauce you'll be amazed by how quick and easy it is. It's a great way to use apples with blemishes (just trim them out) and it's completely adaptable to your tastes. Apple-potato latkes are a delicious twist on a classic. The accompanying sauce recipe takes them over the top. Apple pie is especially great with tart apples, whose flavor provides nice contrast to the other ingredients' richness and sweetness. This incredible apple pie recipe with a crunchy streusel topping includes a link to a great homemade pie crust recipe.


Princess' Paper Projects: Little Red Wagon Challenge #358 ~ Fur-ever Friends!
Little Red Wagon Challenge #358 ~ Fur-ever Friends!
Good morning. It's Wednesday again (where does the time go?) and a brand new challenge begins at Little Red Wagon. Kate is our hostess and she wants to see FUR~EVER FRIENDS. A challenge devoted to house pets. Much to my husband's chagrin we do not have any pets at the moment but we are both partial to the feline variety.
I used one of the images from a set called A Purr-fect Day by Kraftin' Kimmie, paper from Simple Stories Carpe Diem and sequins from the Dollar Store to make up this shaker card. Outside sentiment is Lawn Fawn and inside sentiment came with the kitty set.
Thanks for coming by today. Hop on over to Little Red Wagon and see the creations from the other girlfriends of fur-ever friends and join us with a project of your own featuring a house pet.
Ahhh! I love your shaker card Heather! That little kitty is adorable!
Oooh, a shaker card! I love shaker cards! Love that you decorated the inside too!
Oh, my goodness, love the kitty and the paw print id perfect and a shaker on top of every thing else. Darling!
Such a fabulous card - inside and out!! That little kitty is so sweet and the sentiment inside is a fun one!
Adorable! That kitten stamp is so cute and I like your paper color theme too.


Wrought Iron Heart Top 4 Pair Mitten & Boot Dryer Stand :: Holds 8 pair of mittens or boots. Winter days mean snowflakes, icy sidewalks and snowball fights. Winter days mean mittens, hats, scarves and boots. So many layers and so much mess! Wrought Iron Haven has a solution to avoid wet mittens and smelly hat. Hang them up and let them dry. The Wrought Iron Heart Top 4 Pair Mitten & Boot Dryer Stand offers an easy way to keep everything dry and together. The tall mitten tree features a heart shape top with a curled center. The apparel stand has a powder black iron finish and is hand crafted in the USA. Make life easier for everyone. The boot tree provides a convenient place to hang up wet mittens, hats and boots so clothes will quickly dry and you won't have to worry about winter clutter. Show your love with matching heart decor and enjoy an organized life. This is a great holiday presents for families with young children. Order one for yourself and a couple as house warming gifts. .You can put the Wrought Iron Heart Top 4 Pair Mitten & Boot Dryer Stand by the door and turn the heat up the hot chocolate.


SERIES: TCU leads 4-3. The Horned Frogs won 31-24 last season.
–RB Darius Anderson is by far TCU's most explosive and dependable playmaker but has tapered off some as his opportunities have been reduced throughout the season. He's become the flash-and-dash runner to Sewo Olonilua's grind-it-out option. Anderson carried 13 times for 48 yards and the game-deciding touchdown in TCU's 14-13 win last week over Kansas State; he has 536 yards and four touchdowns on 100 carries for the season.
–QB Michael Collins, a transfer from Penn, has taken the reins of the team after Shawn Robinson suffered a season-ending shoulder injury against Oklahoma. Collins passed for 218 yards and a touchdown and ran for 22 more in the win over Kansas State.
–LB Ty Summers needs just 30 tackles to become the all-time tackling leader in the Gary Patterson era. He has 43 stops, 3.5 of them for loss, two quarterback hurries and a sack through the nine games. Summers did not play against Kansas State because of an undisclosed injury.
–QB Will Grier, the fifth-year senior and potential Heisman Trophy finalist, has thrown for 2,618 yards and 28 touchdowns, including 346 yards and three TDs in the win over Texas last week. He has found 12 different receivers and recorded 15 300-yard passing performances and 16 multiple-touchdown games during his WVU career. Grier is tied for second nationally in touchdown passes per game (3.5). He ranks No. 3 nationally in passing touchdowns (28), No. 3 in passing efficiency (184), second in yards per pass attempt (10.03), and No. 4 in points responsible for per game (22).
–RB Kennedy McKoy carried 17 times for 94 yards in the win over Texas, in which the Mountaineers rolled to 237 yards on the ground. McCoy has had his share of carries over his first two years, and now has 81 totes for 460 yards and two touchdowns, and nine catches for 119 more and a TD over West Virginia's first eight games. McKoy has enough speed to break off long runs, and his physicality on contact is unmatched. He's not afraid to pass protect either, an absolute necessity for a running back who plays for coach Dana Holgorsen.
–S Kenny Robinson had a team-high tying 10 stops, including a tackle for a loss, in the win over Texas and has 55 tackles on the season.
No. 9 West Virginia, which has one of the nation's best quarterbacks leading one of the land's most potent offenses, has its fate for a Big 12 title — maybe even a spot in the playoffs — in its own hands.
Win out and win the league and a spot in the final four. While the concept sounds easy, the road is full of steep obstacles, beginning with Saturday afternoon's dustup in Morgantown against wounded but dangerous TCU.
The Mountaineers (7-1, 4-1 Big 12) are where they are because they beat No. 17 Texas 42-41 last week in Austin on a gutsy do-or-die two-point conversion after their final touchdown with 16 seconds to play.
TCU heads to Morgantown after outlasting Kansas State at home 14-13 last Saturday when the Wildcats missed a PAT attempt late in the game. After a stretch of three straight losses, a series of injuries and some just plain ol' bad play, the Horned Frogs (4-5, 2-4 Big 12) were pleased they finally had the ball bounce their way for a change.
TCU needs to win two of its final three games to earn a bowl spot. The Horned Frogs also play at Baylor and are then home against Oklahoma State.
Prior to 2012, the only previous game between TCU and West Virginia was a 31-14 Mountaineers' win in the 1984 Bluebonnet Bowl in the Astrodome in Houston.


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Pedro Listur (6 April 1922 – 5 September 2004) was a Uruguayan athlete. He competed in the men's high jump at the 1948 Summer Olympics.

References

1922 births
2004 deaths
Athletes (track and field) at the 1948 Summer Olympics
Uruguayan male high jumpers
Olympic athletes of Uruguay
Place of birth missing


text:
Favoritism is Kotoko's problems – Yahaya
in Sports July 21, 2015
Former Asante Kotoko forward Yahaya Mohammed has blamed the club's current woes on management's preferential treatment for some players.
He cited the club's Ivorian import Ahmed 'Simba' Toure who allegedly gets a red carpet treatment, as a classical example.
To the former Nice player, the preferential treatment has left cracks in the team rather than uniting it.
Yahaya, who returned to his native land after a six-month sojourn with Libyan side Al Ittihad, said in an interview, "We have attained the level of Real Madrid where a player like Ronaldo would be treated in a special way over his colleagues. We are not like the whites."
He added on Happy FM that "what management did in the Toure issue was not the best. They acquired a land for him and bought him a car, while the club was still indebted to players like Akufo and co. I believe in treating players equally."
Reacting to why he did not return to Kotoko after the Libyan spell, he said, "I don't understand why management failed to sign me knowing very well my capabilities. They most often marry my character with what I can do on the field of play.
"I am a different person on the field and that is the most important thing. They say I am a stubborn player, but what is important is a player who can deliver. Not all players can don the Kotoko shirt.
"My move to Aduana is 70 percent through. I am not going there because of money but because Kotoko failed to take me back. I feel very bad the way things are going in the club I love so dearly. I may return to them someday may be as a coach or in a different capacity."
Kotoko have struggled to find their rhythm this season, expelling their former trainer Didi Dramani for David Duncan; yet they are placed 10th with 29 points on the league log.
Source: Daily Guide


The 1838 New York gubernatorial election was held from November 5 to 7, 1838, to elect the Governor and Lieutenant Governor of New York.
The issues of slavery and abolition were among the topics of the campaigns. Abolitionists asked the candidates for both positions their stands on the following issues: 1) "the right of blacks to a jury trial when seized as fugitive slaves; 2) a law freeing slaves-in-transit the moment they were brought into the state by their masters; and 3) equal suffrage for blacks."
Incumbent Democrat William Marcy and his running mate were described as doughfaces, not supporting the abolitionist proposals. During the campaign, Seward said that he did not support the latter two proposals, noting that a change to suffrage required a constitutional amendment to be changed. Abolitionists endorsed Luther Bradish, the Whig candidate for lieutenant governor, who supported all three, and some activists recommended voting against Seward.
But he and Bradish defeated the Democratic candidates. After election, Seward demonstrated considerable support for African Americans, signing legislation during his two terms to guarantee jury trials to alleged fugitive slaves, to repeal the nine-month allowance for slaveholders bringing slaves into the state, to give state support to efforts to gain freedom for free blacks kidnapped and sold into slavery, and establish public education for all children.
This page was last edited on 17 December 2018, at 20:29 (UTC).


Reviews of "Carolina Catch: Cooking North Carolina Fish and Shellfish from Mountains to Coast" by Debbie Moose, published by UNC Press.
Wilmington Star-News, Debbie Moose goes from fish sticks to sea trout: "This book is a great starting point for anyone looking to explore fish.... She provides a chart of every fish swimming in North Carolina waters, what season they are fished during and describes their flavor and texture profile. I might be framing that chart in my house soon."
Cary Magazine, Local fish: Good for you, good for North Carolina: "In her new book...Moose describes several ways to cook fish properly...most cook up quickly, another advantage for busy consumers."
Salisbury Post, Dig in to 'Carolina Catch' with a side of slaw: "Debbie Moose headed for the North Carolina coast for 'Carolina Catch,' an approachable cookbook packed with tips, tricks and hints that should make wary cooks feel good about seafood."
Go Ask Mom, WRAL in Raleigh: Recipe featured on April 5.
Winston-Salem Journal, New book puts spotlight on NC seafood: "A nice feature of 'Carolina Catch' is a seasonality chart that not only lists all the various species of fish and shellfish found in the state but also the time of year to get them fresh."


I need to change the school on my parent account. My daughter is at the high school but the account takes me to the middle school.
Please let us know if you are not able to contact the school, we are happy to contact them on your behalf.


Private lessons, classes in Anchorage, Alaska, United States or online via telephone.
Buy custom lessons from Glen Bobo.
There are three major aspects of language learning: Vocabulary, grammar and pronunciation . Danish grammar is actually relatively simple when compared to other languages. The nemesis of Danish for most English or American English speakers is the highly gutteral pronunciation . Over many years, I have mastered a number of tricks and techniques for teaching this. In person is best, but over the phone is possible.
I am also a nationally recognized public speaker, educator and trainer in my industry, which is financial services related, so I understand the importance of making learning fun and entertaining. I also have lived and worked in Denmark and understand the business environment there.
Individual or small group course, individual tutoring for beginner, intermediate or advanced, written and conversationa l, pronunciation tutoring.
I have been teaching/tuto ring Danish for over thirty years. Additionally I was a Training Manager for a major insurance company for eight years. I have been adjunct professor at The American College in Bryn Mawr, Pennsylvania in their Master of Science in Financial Services program.
I was also Director of Education and Training for a major insurance brokerage agency for a number of years, and I currently provide training and education for a number of insurance and financial advisors in Alaska.
My schedule is flexible, but generally lessons are after 5:00 PM weekdays or anytime weekends, Alaska Standard/Dayl ight time, which is one hour behind California, four hours behind Eastern.
M y payment policy is cash or a check at the time each class is completed.
It is the responsibilit y of the student to furnish the recommended text, which can be easily obtained at a low cost on websites such as Amazon.
If there is significant travel (e.g. Mat-Su Valley, Seward, etc.) the student pays for mileage and any incidental expenses as agreed.
$35 per person per lesson for classes which run an hour to an hour and a half. Same price for private lessons and tutoring.
Contact Glen Bobo now to buy personal and custom lessons.


August 12, 2016 Boynton Beach.
1- Have a drink at Due South Brewery. They'll have the Tacos Veracruz food truck on Saturday and the Bea's Heavenly Wings food truck on Sunday. Due South is at 2900 High Ridge Rd.
2- Visit Barnes & Noble for two events, both on Saturday. For children, the book store is hosting Milk Goes to School Storytime. It begins at 11 a.m.
"The first days of school are tough and making new friends is even tougher. Join Milk on her journey at Storytime featuring the back-to-school, must-have picture book of the year Milk Goes to School. Activities to follow," the website says.
The other event is Vinyl Day, which starts at 4 p.m. The book store is inviting customers to come in and shop for vinyl records. The book store is at 333 N. Congress Ave.
3- Go to the Green Cay Nature Center on Saturday and have breakfast before a birding tour. The tour is one hour and begins at 9 a.m. It's for ages 9 and older. It's $3 per person. RSVP is required. Green Cay is at 12800 Hagen Ranch Rd.


text:
The Art and Flair of Mary Blair by John Canemaker 2003
See more: General and Misc.
The Art and Flair of Mary Blair: An Appreciation. By John Canemaker, foreword by Roy E. Disney. 2003, hardcover with dustjacket. 10x10", 110 pages. Loaded with gorgeous color and b&w photos.
"The style and vibrant color of Disney films in the early 1940s through mid-1950s came primarily from the artist Mary Blair. In her prime, she was an amazingly prolific American artist who enlivened and influenced the not-so-small worlds of film, print, theme parks, architectural decor, and advertising.
"She dominated design at the Walt Disney Studios with a joyful creativity and exuberant color palette that stamped to look of many classic Disney animated features including Cinderella and Peter Pan. Favorite theme park attractions, most notably "It's a Small World" ride, originally created for the 1964 New York World's Fair."
BEAUTY BOOK OF KNOWLEDGE (1950's)
CRAFTS OF THE MODERN WORLD BY ROSE SLIVKA 1968
ART TODAY (1941 edition)
THINGS TO MAKE FOR CHILDREN A SUNSET BOOK (1961)


11.30 a.m. to 12.30 p.m.
Children and parents follow the adventures of a small falcon flying over the Foundation looking for the amazing secrets of the building.
Throughout this journey, discover with him the elements of nature that inhabit the places - wind, seeds, sun, water - that will allow you to unlock the mysteries of this enchanted architecture.
Application Archi-moi : un jeu intelligent permettant aux enfants d'appréhender autrement l'architecture.


Ori Toy presents the Acid Rain Space Prisoner Action Figure! This inmate features removable gloves and helmet and multiple points of articulation. Expand your world of Acid Rain with this Acid Rain Space Prisoner Action Figure! Measures about 4-inches tall.


#175 - This week we go back and rate movies that we have previously reviewed, but never gave an official rating to. We revisit our first 13 episodes and rate each movie and video game that we covered in those episodes.
Commando, Die Hard, Bulletstorn, Heat, The Godfather, The Simpsons - Hank Scorpio, Jaws, The Avengers, Assassin's Creed 2, Big Trouble in Little China, Mallrats, Purple Rain, The Princess Bride.


Briefly: The full schedule for San Diego Comic-Con 2013 will be released very soon, but the major movie studios have already started to jump the gun. Sony revealed they'll be bringing RoboCop, Cloudy With A Chance of Meatballs 2 and The Amazing Spider-Man 2 to Hall H on Friday July 19. Then, Marvel Studios announced they'll be bringing Thor: The Dark World and Captain America: The Winter Soldier to Hall H on Saturday July 20. There will also be "many special guests" at the Marvel panel, so expect lots of surprises.
We'll post more as the full schedule is revealed and, of course, we'll be on the ground with all the breaking news.


As an entomologist and curator of the University insect collection, I am broadly interested in biodiversity of all insects. I have maintained my research on the systematics of two beetle groups, the Anthicidae and Pselaphinae (Staphylinidae) in North America, Central America, New Zealand, and Australia, while also carrying on applied biodiversity studies in forest entomology, and aquatic entomology. These studies have focused on documenting changes in the insect fauna of unique or old-growth forest habitats in New England, Costa Rica, and Australia for comparisons of sites that that have been extensively disturbed. Research in aquatic entomology has pursued characterization of the stream faunas and their seasonality in New England.
Several season-long inventories have been carried out in unique or old-growth areas of New Hampshire, and these insect records have been incorporated into the a database that is accessible at insectcoll.unh.edu. Currently, the collection holds 11,506 species of insects taken in New Hampshire. A course in insect biodiversity (ZOOL 745/845) is used to introduce students to approaches in sampling insect biodiversity, managing the data, and statistics useful for working with alpha and beta biodiversity.


We're down to the final month of "authors with heart" spotlight and giveaway post from our 2018 project! After that I'll be starting in on the authors and publisher who are participating in our 2019 project! In these features, you get to hear about a book and have a chance to win a prize! Each featured author helped with the 2018 Mother's Day thermal bags that were donated to three Washington state Fisher Houses—VA Puget Sound Healthcare System in Seattle, Madigan Army Medical Center at JBLM, and VA Portland Health Care System in Vancouver.
Bella owns one of the local hair salons. She's young, hardworking, successful and unconventional. And to Graham there's no denying that, from the tips of her rainbow-colored hair to the soles of her fancy turquoise cowboy boots, Bella Benson is smokin'.
To buy your copy, click here!
If you like steamier reads you'll want to check out Eve's latest. The reviews on Goodreads for this are really good. I enjoy reading about doctors, especially "hot" ones. According to one review, there's also a cat in the story. Always a good thing! What do you think?
Tell me in the comment section to be entered to win a $5 Amazon gift card (sent via email). If the winner would rather have a Starbucks e-card, that's okay, too! I'll pick the winner from the comment section using random.org and announce the name next Monday morning (April 15th) here on this post and on my Facebook page, so be sure to check back! The winner must contact me by Monday, April 22nd to claim their prize so please check back to see if you won. I do not contact winners.
Rules: No purchase necessary. Open to entries from Tuesday, April 9th to Monday, April 15th at 6 am PDT. Must be 18 or older to enter. Winner is chosen using random.org and must claim their prize by 4/22/19. Odds of winning are determined by the number of entries. Not responsible for loss or damage during shipping. Unclaimed prizes will be given away at a later date, either here on the website or on my Facebook page. Void where prohibited.
A special thanks to Tule Publishing for sponsoring multiple tote bags and donating books and swag for the Seattle/JBLM/OR VA Fisher House moms on Mother's Day.
I love the cover. And, the book sounds really good too.
I enjoy reading about doctors. I love cats.
Eve' s new book sounds great! Thanks for sharing!
This is probably not a book for me, although I do enjoy animals in the books I read.
I will go and check out the reviews. Sounds like I will enjoy this.
I loved this story by Eve Gaddy.
According to random.org, bn100 is the winner of the #authorswithheart gift card! bn100, please contact me by the deadline. You can email me using the link below the website header or message me on my Facebook page. Please included which gc you want (Amazon or Starbucks) and your email address. If you want the gc sent to a different email than what you used to comment on the blog, please include the original one, too. Thanks and congrats!
I enjoy it when cats are in the books I read.
First, I love the cover! Next, I love opposites attract stories. Finally, I'm an animal lover and enjoy when animals are part of a story. This looks like my kind of story and I look forward to reading this book.
love when animals make an appearance in a book. cover art is really nice.
Thanks so much for having me, Melissa! I'm happy to be a part of the Fisher project!
Steamy reads with hot doctor and cat, yes!!


Can you identify any of the football players?
This postcard shows the the Hallowell High School football team from 1906.
Organized football games started in Hallowell on November 2, 1898. The Hallowell Register recorded the event: "The recently organized Hallowell foot-ball team played the strong eleven from Oak Grove Seminary of Vassalboro on the Muster Field, Wednesday afternoon. The Hallowell boys were defeated 5 -0.... Oak Grove's touch-down was made in the dark when it was impossible to distinguish which man had the ball. This was the first game of foot-ball ever played in Hallowell by two regular teams and was witnessed by three to four hundred people....The local team has been coached by F. F. Eddy, pastor of the Second Street Universalist church, who also captains the team."


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Yes, you can automatically delete unused promotion codes.
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Most fruits and vegetables are low in fat and calories making them ideal for use in weight loss diets. Dietitian, Juliette Kellow shows you how to make the best of fruit and veg as part of a healthy, balanced diet to lose weight, and dispels some of the diet myths about specific fruit and vegetable types like carrots, apples, avocado, grapefruit, bananas and juice.
Research also shows we tend to eat the same volume or weight of food every day, regardless of its calorie content. So if we want to lose weight, it's crucial to stick to lower calorie foods to make up this volume. And that's where fruit and vegetables play an important part in a weight loss diet.
Many fruits and vegetables actually weigh a lot, adding bulk to our diet, but they don't provide that many calories. For example, a meal consisting of a 150g grilled chicken breast, a 300g jacket potato, 20g of butter and 30g low fat cheese provides a total weight of 500g and provides 790 calories. Swap that meal for a 130g chicken breast, a 200g potato, 5g of butter, 80g broccoli, 45g carrots and 40g green salad, and you still have an overall weight of 500g, but for just 480 calories.
Bottom line: you will feel just as full as you've eaten exactly the same amount of food, but you've saved 310 calories – and in a week, that's enough to help you lose 1/2lb without even changing the quantity of food you've eaten!
But what about foods like bananas, avocados, sweetcorn, carrots and peas? These foods are certainly higher in calories than most other fruit and veg. For example, you could eat two small apples for around the same amount of calories as a banana. Similarly, you could eat six times more spinach to provide you with the same amount of calories provided by sweetcorn.
I have the seed kind, not the oil kind and a large quantity I want to start using. I need it for a variety of reasons and I'm also looking at removing gluten from my diet. Are these exclusive?
Resveratrol Diet, a complex blend of antioxidants, enzymes and other nutrients to help boost your metabolism and promote calorie burning.
Losing weight has never been so rejuvenating!