text:
Up and Down Wall Street
Subprime Lending Woes Take Center Stage. What Took So Long?
Randall Forsyth
Updated March 13, 2007 11:59 pm ET / Original July 17, 2019 10:28 pm ET
MAYBE IT'S ONLY BECAUSE Anna Nicole Smith has finally departed from the headlines, but even the Drudge Report has taken note of the subprime mortgage meltdown. Drudge glommed from Bloomberg news of New Century Financial 's (ticker: NEW) apparent cascade toward bankruptcy after major banks cut off their lending lines to the second-largest subprime lender.
But as the media hyperventilate over the disaster du jour, the conventional wisdom in the financial markets is that this is problem confined to the extremities of the system and not its vital organs. It just affects a small fraction of the mortgage market -- 20% is the most widely cited number -- and those at the lower end of the income and wealth spectra. To paraphrase Leona Helmsley, only little people are affected by the subprime mess, goes the mantra.
Nevertheless, the weakening of the real estate market is hurting the wealth of Americans. Notwithstanding the boost from stocks for the upper crust, they are unlikely to be immune from the impact from the hit to the hoi polloi.
Households' net worth increased in the fourth quarter flow-of-funds data from the Federal Reserve, largely because of the stock market's rise, observe Philippa Dunne and Doug Henwood of the Liscio Report. But mortgage debt also increased, faster than home values, leaving American homeowners with record low equity in their abodes.
"It should be remembered that stocks are owned by a very different set of people from those for who housing is a crucial asset," Dunne and Henwood write. The wealthiest 1% of Americans own one-third of stocks and mutual funds, and the richest 10% own 75% of equities and funds.
"By contrast, the richest 10% hold less than half of all residential net worth; the majority belongs to the 50th to the 90th percentiles," they continue. "So they stock market gains are not much comfort to those who see their principal value eroding in value." (The bottom half doesn't hold much in the way of real estate or equities.)
That erosion has yet to show up in the Fed's data, which still shows household real estate gaining 1% in the fourth quarter, in contrast to the Case Shiller Weiss-S&P national composite price index declining 1% and the National Association of Realtors' median single-family home price posting no change, Dunne and Henwood point out.
Mortgage debt continued to grow in the fourth quarter but continued its sharp deceleration, to an 8.9% year-over-year rate, according to Fred D. Kalkstein of Janney Montgomery Scott. Last year, mortgage borrowing was expanding at a breakneck 14% annual rate, but that was when New Century and its ilk were offering credit with anybody with a pulse.
That was the characterization of the credit qualifications of a typical subprime borrower cited by a homebuilder quoted by Credit Suisse in a report released yesterday, which continued the firm's gimlet-eyed assessment of the residential real estate market, one that has contrasted with the flackery of some of its competitors.
The current crisis is the result of the inventive efforts to create exotic mortgages in order to reduce down payments and monthly payments as house prices soared, the CS analysts write. In other words, to sell houses to folks who couldn't afford them otherwise.
In the process, prime conventional loans fell to 45% of the total from 66% in 2002, according to CS. So-called Alt-A loans -- below the best but above the worst -- accounted for 20% of originations, up sharply from just 5% in 2002. In addition, 55% of the Alt-A loans had "piggyback" second mortgages attached to them, which provided for the down payment for these buyers.
Subprime loans doubled in share, to 20% over that span. In the process, subprime loans had an "alarming" 94% loan-to-value ratio on an average loan of $200,000. About half of the subprime borrowers provided limited income documentation. In 2006, adjustable-rate mortgages that reset after two years comprised 78% of purchase originations. Most of the subprime borrowers were qualified at the lower, teaser rates -- the only way they could literally get in the door -- instead of the fully adjusted amortizing rates, according to CS.
No wonder defaults and foreclosures are soaring, resulting in the typical shut-the-barn-door-after-the-horses-are-gone response by lenders. Still, the Credit Suisse looks for "pent-up supply" to hit the housing market in the next six-to-12 months as a result of the "lax underwriting standards of recent years."
Among the reasons: roughly 130,500 homes entered foreclosure in January, according to RealtyTrac, the highest level since the company began disclosing data two years ago. CS estimates there are approximately 565,000 homes in foreclosure process and another 135,000 homes "that are listed or on the verge of being listed as 'must-sells.'" Relative to the National Association of Realtors' reported inventory of 3.55 million homes for sale, the total inventory may be understated by 20%, CS estimates.
Yet, says the party line on Wall Street, this effect primarily is confined to the low end. The CS analysts aver that if 15%-25% of entry-level buyers can no longer obtain subprime loans, won't that mean 15%-25% of move-up buyers can't find buyers of their houses, and so on? The subprime woes thus can migrate up the housing food chain, they contend. All of which points to a 35%-45% peak-to-trough decline in housing starts, they estimate, up from their previous forecast of a 25% drop.
The only surprise about the downturn in mortgage financing and housing is that anyone is surprised. The impact of past Fed rate hikes from 2004 through mid-2006 are hitting predictably with their "long and variable" lags. Yet these patterns seem to recur endlessly, which is probably why they're called cycles.
Comments: randall.forsyth@barrons.com
MAYBE IT'S ONLY BECAUSE Anna Nicole Smith has finally departed from the headlines, but even the Drudge Report has taken note of the subprime mortgage meltdown.


Newlywed actress and celebrity activist Eva Longoria has sold her distinctive tomato-red Mediterranean villa in the Hollywood Hills, according to Realtor.com. Longoria purchased the 1924 home in 2005, the year after her breakout TV role as saucy Gabrielle Solis on the hit sitcom, "Desperate Housewives," which ran for eight seasons on ABC.
The Corpus Christi, Texas, native posted the for-sale sign within weeks of her third marriage to businessman Jose Antonio Baston. Longoria previously tied the knot with "General Hospital" actor Tyler Christopher and San Antonio Spurs point guard Tony Parker.


Bronchitis mans the persistent or acute pain of our mucous membrane or the swelling in the tracheobronchial tree of our breathing system. Tracheobronchial tree refers to the trachea or the windpipe & the bronchial tubes. This disease may be or might not be infectious, depending upon some situations.
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Sound produced by the hair being rubbed with one davis & elkins college crackling. Moist wails are heard when bubbling of fluid secretions in our bronchial tubes takes place.
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This is the most simple method steam inhalation bronchitis. If he/ she is still not very sure if you do have bronchitis, you may likewise have do have an X- ray to the chest. Due to the fact that the main sign of bronchitis is a cough with sputum, this mucus should likewise be tested to see what triggered the bronchitis. This ilness, bronchitis may be bring on by a virus, the exact same one that causes the cold or by a bacteria. By anodizing the sputum that you spend when experiencing bronchitis, your doctor will have the ability to see if the bronchitis is brought on by bacteria. Futrthermore, because the bronchitis signs are very just like those of other medical conditions, your medical professional will have to run some other testes in order to rule any other health issue besides bronchitis. The conditions which have comparable signs to those of bronchitis are asthma, pneumonia or emphysema. We were actually wondering the best ways to get about to discussing Bronchitis Condition. However once we began writing, the words just appeared to flow continuously!


Jim_M, cass523, LaborDayRN and 5 others like this.
-For anyone catching up, we are just looking at this incident. There is no confirmation that there is any relation here, just something we have come across today and are following up on.
Is there any msm on this incident?
Choochoobella, Jim_M, cass523 and 9 others like this.
Unfortunately, it wasn't LE involved interview, but some local msm, I believe- they've been really overstepping these past few days. I know ya'll probably find that difficult to believe.
I will look at more interviews tomorrow.
Choochoobella, Jim_M, cass523 and 10 others like this.
@Kadoober tysm for transcription of PC .
Choochoobella, Jim_M, byo and 13 others like this.
To return to the Search Results page, click on the Inmate Database Search Results tab, or to revise your search, click on the Inmate Database Search tab.
Choochoobella, Jim_M, Kadoober and 8 others like this.
Wouldn't you think this means charges were dropped?
This is the incident report from when he tried to run AR down in his vehicle.
—interesting, iirc this the same dept that dispatched divers to the Wednesday site(s).
Checking distance from 224 S Holmes and also 1017 Hamilton.
1 minute, .2 miles from 224 S Holmes.
Via Bertha St and S. Warman.
Noisy...any narration with factual information about this incident?
Sounds to me like the specific apartments, IMO.
"Police say Amiah was last seen with her mom's boyfriend Robert Lyons. He was seen at Mickley Ave & Rockville Rd on March 9 (Addison Creek Apartments)."
Q: What was the address of where (can't hear)….
JB: It's Rockville and Mickley, right there on the corner, there's a Food Mart, and a laundromat, and the apartments. The Addison apartments.
Alright so the same dept is posting on Amiah's whereabouts.
It sure looks that way to me. Someone said in a previous post here that they wondered if that meant AR chose not to press charges, perhaps as part of the manipulation by RL, along the lines of "don't press charges and I'll tell you where she is..."
Choochoobella, Jim_M, cass523 and 7 others like this.
Jim_M, LaborDayRN, Medstudies and 2 others like this.
Maybe someone else would know but I always thought if someone is arrested for domestic violence the person couldn't then drop the DM charges later? That the DM charge becomes a matter of the state. I thought that the law changed after Nicole Brown Simpson? I could be wrong though.
Criminal Justice mom, Choochoobella, Jim_M and 9 others like this.
According to the record @Medstudies posted above, he wasn't charged with domestic violence. He was charged with criminal recklessness and leaving the scene of an accident.
Choochoobella, Jim_M, margarita25 and 8 others like this.
Choochoobella, Jim_M, LaborDayRN and 6 others like this.
Choochoobella, Jim_M, byo and 15 others like this.
Choochoobella, Jim_M, AgeofAquaruis and 7 others like this.
Yeah, I guess it depends on the witness statements. By the time LE got to the scene maybe all they had to go by was whatever Amber and LH said. She may have downplayed it or exaggerated.
Jim_M, cass523, LaborDayRN and 8 others like this.
I don't understand how they released him in the first place.
Jim_M, cass523, Suglo and 7 others like this.
He better hope LE finds him before anyone else does. He would be safer behind bars at this point.
Jim_M, lonetraveler, cass523 and 12 others like this.
Didn't AR have a black eye or one that was healing when she gave that long interview on the front porch early on?
Choochoobella, Jim_M, cass523 and 13 others like this.
"During a press conference Saturday (March 23, 2019), police say Amiah was last seen with the boyfriend of the baby's mother, Robert Lyons, around 1:15 p.m. March 9. Lyons is said to have spent the day in the area of Rockville and Mickley. Lyons then returned to the mother's home at roughly 10 p.m. that night without Amiah.
Choochoobella, Jim_M, lonetraveler and 10 others like this.
Nothing about this case has made sense to me AOA! From the day baby Amiah actually went missing to how nobody reported her missing for over a week.
Jim_M, AgeofAquaruis, Goddess.of.the.night and 13 others like this.


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MISSION: CELEBRATE GOOD TIMES, COME ON!
"Johan,I am also looking forward to new photos. How about the new name "Johan's Adventure 2013"?"
" Missed, and I look forward to new photos"
"Johan hello! I've missed your photos .. I'm a father Grisha Koshelenko"
"Nice to see your sisters! It's unusual to have four sisters and what's more amazing is that they are all so beautiful!"


In association with Bethanie, we present a special musical show with memories for and about people with dementia on Sat September 10th at 1pm.
A free event but bookings essential on 131 151.
This entry was posted on Thursday, July 28th, 2016 at 5:55 am.


CV4 news, reviews and local events in CV4 areas including Abbey, Charter Avenue Industrial Estate, Earlsdon, and communities in CV4. Are these places the most relevant to this postcode? Let us know!
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Posted inCOVID-19
Cornell University reopens research facilities
by Madison Fernandez June 2, 2020
ITHACA, N.Y. — Cornell University, the top research university in New York State, is reopening some of its research labs.
As of May 29, the Southern Tier has entered Phase Two of reopening, which allows for offices and laboratories to reopen. In accordance with the phased reopening of the region, Cornell's Ithaca campus is beginning research in the categories of health and disease, agriculture and food, national defense and research that supports essential businesses.
Due to the coronavirus pandemic, Cornell moved to online instruction on March 10, and all research that was deemed non-essential — meaning not related to COVID-19 — was suspended at the university on March 15.
A number of Cornell labs have been conducting research on the characteristics of COVID-19, and the university is planning to begin research in early June for the treatment of SARS-CoV-2, the virus that causes COVID-19.
Your local health and human services news is made possible with support from:
Cornell is one nation's top research institutions, with specialties in the fields of biological and biomedical sciences, health sciences and agricultural sciences. In 2019, Cornell received $1.14 billion in research funding.
The research labs will be opening with some restrictions. According to a statement put out by the university, buildings and facilities must be cleared for reopening and all labs and studios must submit reactivation plans to be approved before research resumes. Researchers and staff must complete safety training for COVID-19. Additionally, personal protective equipment must be available for personnel, there will be mandatory health screenings before entering the workplace every day and social distancing measures must be observed.
The population density in buildings will not exceed 33%, and the university is working to implement virus testing and daily temperature checks for all individuals who come to campus.
"We will stand up these surveillance programs for our community as we move into additional phases, and we won't go further in terms of significantly densifying our labs and other support spaces until we have those things in place," Provost Michael Kotlikoff said.
Only individuals who remained in the Ithaca-area are permitted to conduct research in the labs. Those who have left the region and are returning must self-quarantine before entering the facility. Undergraduate students are discouraged from being included in the early phases of reopening unless they remained in the area or have skills critical to the research.
Although some of the university's research labs are opening, Kotlikoff encouraged faculty and staff who are working remotely to continue to do so.
Cornell has not yet announced its plans for the upcoming academic year. The university has posed six different options for reopening to students and faculty, most of which are a hybrid of in-person and online instruction. The Committee on Teaching Reactivation Options will submit recommendations to President Martha Pollack and Kotlikoff June 15. An announcement is expected to be made in late June, according to Kotlikoff.
"As we go further, we will initiate more safety steps – all of this in place while we're also thinking about instruction in the fall," Kotlikoff said. "Working groups of faculty, staff and students are working intensely on trying to think about how we might do that safely, without having made any decisions of whether we're, in fact, going to have a residential fall or not."
Tagged: cornell, COVID-19, health and human services, research
Madison Fernandez
Madison Fernandez is a contributing reporter at the Ithaca Voice. You can reach her by email at mfernandez@ithacavoice.com.	More by Madison Fernandez

redpajama_set_name: RedPajamaCommonCrawl


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French Ruling on Google Ads Has Implications for Web Host Marketing
22nd October, 2003
Paid search ads on Google and Overture have become popular tools for web hosting providers seeking to attract customers of distressed competitors. But the practice of purchasing a trademarked term as a keyword is coming under fire both in and out of court, raising questions about the future of paid searches pegged to competitors' brands.
A French court last week fined Google France 70,000 euros (a little over $80,000) for allowing advertisers in its popular AdWords program to buy text ads tied to French phrases for "travel market" and "airflight market" which had been trademarked by two travel agencies, Luteciel and Viaticum.
US law offers significant trademark protection for unique company names, which appear to figure in paid search campaigns targeting customers of troubled web hosts. A Google search on FeaturePrice, for example, returns a results page with text ads from multiple competitors of the struggling provider, bearing headlines such as "FeaturePrice Rescue Site" and "Stranded by FeaturePrice?" FeaturePrice saw 70 percent of its hostnames migrate to other providers after lengthy downtime this summer.
Cable & Wireless, which in June announced plans to exit the US hosting market, took issue with several competitors' online text ads. C&W's legal team contacted several that "characterized our June 4 news incorrectly, claiming that we're ceasing operations," according to company spokesman Chad Couser.
Some trademark holders have taken their case directly to Google. In June, eBay requested that Google halt the sale of pay-per-click ads tied to the company's name and a number of trademarked variations, saying it acted "so that third-party advertisers do not abuse the intellectual property of the company."
Google has not commented publicly on the eBay request. But its complaint policy offers recourse for companies that believe their trademark is being infringed. "When we receive a complaint from a trademark owner, our review is limited to ensuring that the advertisements at issue are not using the trademarked term as a keyword trigger," Google states in the policy. "If they are, we disable those keywords from the ad campaign."
Several US companies have filed suits similar to the French case. Mark Nutritionals gained media coverage with its in 2002 suit against Google, Overture and several other other pay-per-click search engines for selling ads tied to the term "body solutions," which Marks trademarked. Marks has since filed Chapter 11 and agreed to be liquidated.
These cases mine many of the same issues aired in a flurry of lawsuits in the late 1990s over the use of trademarked terms in HTML meta tags, which use keywords to describe the site's content for search engine spiders. Most of the suits related to meta tags were settled out of court. Playboy succeeded in several suits against infringers, but lost a court battle with former Playmate Terri Welles. The US Ninth Circuit Court of Appeals ruled in Welles' favor, saying the trademarked terms "playboy" and "playmate" in her meta tags "accurately describe the contents of Welles' website, in addition to describing Welles."
Posted by Rich Miller in Hosting
Sprint Sells DellHost to Vericenter
22 Dec 2003 Hosting
Sprint has sold its DellHost unit to Vericenter, DellHost customers were told Monday. DellHost is home to 21K active sites and 34K hostnames, housed on about 1,500 IP addresses. Vericenter, a Houston-based provider of managed hosting and colocation, had...
Sun Discontinuing Cobalt Linux Servers
19 Dec 2003 Around the Net, Hosting
Sun Microsystems is phasing out Cobalt, the line of Linux-based hosting appliances it purchased for $2 billion at the height of the Internet boom. Sun has set an end-of-life date of Feb. 19 for its last remaining Cobalt product, the RaQ 550 server, but...
U.S. Grants Trademark for Private Label Reseller
An affiliate of MCHost has trademarked the term "private label reseller plans" and is contacting hosting providers who use the phrase in their marketing. The application by SeekAmerica Networks, an affiliate of MCHost, was approved by the U.S. Patent and...


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Home » Catholic Life, Education and Mission » Wollongong Environment Network » 'Environment Matters' News/Blog » St Michael's Thirroul rises and shines with environment award
'Environment Matters' Blog | St Michael's Thirroul rises and shines with environment award
Posted 16 December 2018 by Catholic Education in 'Environment Matters' Blog
A targeted school-wide campaign to streamline waste management by increasing recycling and composting, and reducing the rubbish going to landfill, has earned St Michael's, Thirroul official recognition and praise — the school being awarded a Wollongong City Council 'Rise and Shine Environment Award'.
The local council's 'Rise and Shine' campaign aims to encourage community participation in protecting the environment — to increase civic pride, accelerate environmental sustainability and enhance the quality of life for present and future generations. Their annual 'Rise and Shine Environment Awards' presentation evening honours local individuals' and groups' outstanding contributions to such environmental improvements over the past year.
Wollongong City Lord Mayor, Councillor Gordon Bradbery AM, was on hand to congratulate and present the awards to the worthy recipients - including St Michael's Principal, Belinda Hughes, and Religious Education Co-ordinator, Emma Groves, who accepted the award on behalf of the school.
St Michael's teacher and Wollongong Environment Network (WEN) organiser, Katie Kelly, said the school was surprised and humbled to receive the award as acknowledgment of the students' and staff's hard work this year to improve their environmental practices.
"At St Michael's, we take caring for the environment seriously and see it as our responsibility to be stewards of God's creation. We want to make a difference, educate students to be actively responsible, and raise awareness and action within our community" — Katie Kelly, St Michael's teacher and WEN organiser
The road to reduction in waste began for St Michael's in 2017, when they identified that over 50 per cent of what they threw in the garbage could be recycled, and an additional 25 per cent of their trash comprised food wastes and other materials that could be composted.
"Our goal in 2018 has been to improve the way our rubbish is collected, sorted and disposed of throughout the school. Our focus has been to reduce the amount of garbage going to landfill and ensure that we are reducing, reusing and recycling at St Michael's," Miss Groves said. "We're engaging in these steps to respond to Pope Francis' call to care for our common home and walk together on a journey of ecological conversion."
Through a CEDoW Environmental Education Grant, the school purchased bins and equipment, and set about implementing a new waste management system.
Their approach has included both qualitative and quantitative aspects — St Michael's sought to enhance the school community's knowledge around the environmental benefits and best practices of sustainable waste management, as well as drive an identifiable reduction in the amount of waste produced at the school with new bins and structures to better separate rubbish and manage their waste more efficiently and sustainably.
Getting the initiative off the ground required a combination of strategic planning, collaborative implementation, and ongoing, adaptive management to make these practices a habit and the system, a success. It's required shared understanding, responsibility and accountability across the school, as well as clearly set out procedures and rosters around how each bin is to be maintained and by whom. This began, Ms Kelly said, with building awareness.
"Throughout Term 2, staff and students were introduced to the idea of the bin system and how it would work in classrooms and out on the playground. There were plenty of opportunities for students to ask questions and our new bin system was an important discussion point at many assemblies. By the end of the term, all our bins were rolled out with user-friendly information posters and stickers displayed for each, ready for whole-school participation in Term 3 and beyond," she said.
"In each classroom, we now operate with blue bins for paper recycling, green bins for organic waste, yellow bins for mixed recycling and red bins for landfill. Outside, we also use the Vinnies' Container Deposit Return Bins to contribute to the NSW Return and Earn scheme" — Katie Kelly, St Michael's WEN organiser
"Year 5 students have taken on the responsibility of emptying the blue and green bins in each classroom. At the beginning of each term, the Year 5 teachers are given the roster for their class which highlights the students responsible for emptying the bins. Meanwhile, Year 6 students have had the responsibility of emptying the playground bins. The helpers change on a weekly basis and I meet with the students after eating time each Monday to go over their role and responsibilities."
The initiative has been driven by Ms Kelly and Miss Groves, but both said it has been the combined swell of involvement, input and support from the whole school — staff, students and their families, volunteers and the wider community of St Michael's — that has been pivotal to the system's success.
"It's been fantastic to have everybody on board, working towards this common goal. Communication has proven to be a key element of our waste management journey this year. From education around environmental impacts and different kinds of waste, to having clear processes and colourful, distinguishable bins. There have been consistent emails to staff and ongoing updates for students and parents in school newsletters and other school communications," Ms Kelly said.
"Everybody has been able to see the positive impact of the changes being made and be a part of it. That's why we're so pleased to share in this award and recognition with everyone in our school community. It belongs to all those who have helped and contributed to this environmental achievement for our school."
Wollongong Lord Mayor, Gordon Bradbery, said the spirit of the Rise & Shine Environment Awards began 32 years ago, after then-70 year old West Wollongong man, the late Basil Ryan, collected 110 bags of rubbish from a 'black spot' near his home in West Wollongong.
"The award winners in 2018 carry on the spirit of Basil's actions. They have worked in various parts of the city to make the place enjoyable, cooler, cleaner, and safer," Mr Bradbery said.
"I encourage all people who are interested in their local environment either near the bush or the beach, to seek out a volunteer group and join in the work that these teams are doing every week. They are actively making the city a great place to live."
In 2019, St Michael's has big plans to continue their environmental action. They're working to further reduce their waste and improve waste management, especially in targeted areas of the school such as the canteen area, staffroom and kitchen area at the back of the hall.
They're also eager to create a portable herbal garden and school vegetable garden, which will have many benefits for the school, including opportunities for growing their own food, greater community involvement, teaching the students skills around gardening and cooking, and providing a place to recycle compost from their outside compost bins. It'll also allow students to work cooperatively on real tasks, better understand the role of food in life and where food comes from, and use the garden as a regular part of their learning across a variety of subject areas.
Congratulations, St Michael's, Thirroul! We look forward to seeing your environmental plans for 2019 come to fruition as successfully as your efforts in 2018 have!
View all stories in 'Environment Matters' Blog. View All News and Events.


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Zuletzt angesehen: • bowiea_volubilis_harv
bowiea_volubilis_harv
Bowiea volubilis Harv. ex Hook. f. - syn.Schizobasopsis volubilis (Harv. ex Hook.f.) Macbr.; Ophiobostryx volubilis (Harv. ex Hook. f.) Skeels - Asparagaceae (also placed in Liliaceae, Hyacinthaceae)
knolklimop (afr.); climbing onion, Zulu potato, Kletterzwiebel, Zulukartoffel
Perennial bulbous herb, up to 3m long, native to East Africa, South Africa (Kenya to South Africa); bulbs near or at the soil surface, green, up to 15cm in diam.; stems leafless, scrambling or twining; leaves very few, basal, filiform, soon falling; flowers 16-24mm in diam., yellowish green, capsule c. 2.5cm long, brownish.
http://www.zimbabweflora.co.zw/speciesdata/species.php?species_id=114160
http://plantzafrica.com/plantab/bowieavolubilis.htm
"Reported to be cardiotonic, poison, purgative, the climbing onion is a folk remedy for constipation, dropsy, and infertility."
[CRC Handbook of Medicinal Herbs, 1985, p.82]
The bulbs contain bufadienolide glycosides, which act like cardiac glycosides of Digitalis purpurea. Bovosid A is thought to act like k-strophantin. Small portions of roasted bulbs are used as laxative, the juice of fresh bulbs is used in to treat ailments of the skin, dropsy and feminine sterility in folk medicine of South Africa.
[Hagers Handbuch der Pharmazeutischen Praxis, Springer 2010]
"In traditional medicine, B.volubilis ranks amongst the top 14% of the most traded medicinal plants in South Africa (Mander, 1998). The bulbs contain several active cardiac glycosides such as bovogenin A [aglycone, trans-fused A/B rings] and the structurally related bufadienolides… B.volubilis bulbs are used in the treatment of various ailments in traditional medicine. For instance, the bulbs are made into an infusion and given to pregnant women to assist in delivery (Hutchings et al., 1996). The crushed bulbs are used to massage the skin to prevent infections and can be prepared as a lotion for vsore eyes (Van Wyk et al., 2009). A hot mixture of the outer bulb scales and water is used in the treatment of dropsy (Watt and Breyer-Brandwijk, 1962). Furthermore, Zulu herbalists prescribe the bulb for ascites, sterility, cystitis, backache, muscular pain and bladder infections (Van Wyk et al., 1997)… cultivated B.volubilis can be used in traditional medicine rather than relying on bulbs from wild populations."
[A comparison of the pharmacological properties of garden cultivated and muthi market-sold Bowiea volubilis., Masondo, N.A., Ndhlala, A.R., Aremu, A.O., Van Staden, J., Finnie, J.F., South African Journal of Botany, 86, 2013, 135-138]
"The destructive harvesting of bulbs has led to a continuous decimation of wild populations. Consequently, there are increasing conservational concerns on the sustainability of this species for continuous supply to meet escalating demands…. Bowiea volubilis remains a widely used medicinal plant and available but limited scientific evidence indicates its anti-inflammatory potential. The abundance of cardiac glycosides in its phytochemical composition provides an indication on the therapeutic potential."
[Aremu, A. O., Moyo, M., Amoo, S. O., & Van Staden, J. (2015). Ethnobotany, therapeutic value, phytochemistry and conservation status of Bowiea volubilis: A widely used bulbous plant in southern Africa. Journal of ethnopharmacology, JEPD1500978.]
Curtis's Botanical Magazine, vol.93, ser.3, vol.23, t.5619 (1867) [W.H.Fitch]
bowiea_volubilis_harv.txt · Zuletzt geändert: 2016/01/07 20:59 von andreas


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INSIDE MEDIA: HEDRICK SMITH ON POISONED WATERS
Shown as part of the Ocean Film Series
Pulitzer Prize-winning journalist, author and filmmaker Hedrick Smith will be interviewed about his upcoming film, Poisoned Waters, to be aired on the PBS weekly "FRONTLINE" series in April, in conjunction with Earth Day. As a former New York Timescorrespondent, author of several best-selling books and host of 20 award-winning PBS prime-time specials and mini-series, Smith has brought both insight and a highly personal style of storytelling to a variety of topics. He has explored the Washington power game, Soviet-American relations in the Cold War and beyond, the impact of the global economy on the American middle class, educational reform and the quality of American health care. He now turns his attention to our country's environment. Thirty-five years after the Clean Water Act, Smith's new feature length documentary assesses the state of America's environmental protections and the impaired health of national waterways through case studies of the Chesapeake Bay and Puget Sound. With a deep appreciation for the impact of water on our lives, its beauty and majesty, but also its increasing fragility, Smith shares his journey of discovery, showing just how far our environmental protections have fallen short, and exposes the new dangers of emerging contaminants being found in drinking water all across the country. Showing how grass roots citizen action has forced the EPA and big polluters into more effective cleanup operations or
how collaborative work among native American tribes, farmers and developers has helped restore vital habitat and endangered species, Smith poses a challenge to the American public and policy makers to become more forcefully engaged in protecting the vital and cherished American resource of water.
The "Inside Media" interview by Rich Foster with Hedrick Smith, Director/Programs at the Newseum, takes place before a live audience of Newseum visitors, who are invited to participate in the program.
POISONED WATERS is scheduled to air Tuesday, April 21. Check your local PBS listings. For more information, please visit hedricksmith.com.
Free with Museum Admission: $20, Adults (19 to 64); $18, Seniors (65 and older), military and students with valid ID; $13, Youth (7 to 18) and Free, Children, (6 and younger).
Newseum, Documentary Theater, Concourse Level
555 Pennsylvania Ave., NW


Cambridge Glass Company made E757 in 1932. There are no chips or cracks in the ice bucket. Thanks for looking.
Jeannette Glass Company made Floral from 1931-35. There are no chips or cracks in the glass. Thanks for looking.
Fostoria Glass Company made these Coin shakers from 1973-78. There are no chips or cracks in the glass. Thanks for looking.
Indiana Glass Company made Avocado from 1923-33. There are no chips or cracks in the glass. Thanks for looking.
There are no chips or cracks in the vase. Thanks for looking.
Tiffin Glass Company made this bowl. There are no chips or cracks in the glass. Thanks for looking.
Aladdin Mantle Lamp Company made the Corinthian from 1935-36. The lamp comes with a B burner. It's in great shape. Thanks for looking.
Indiana Glass Company made Lorain from 1929-32. There are no chips or cracks in the glass. Thanks for looking.
Federal Glass Company made Madrid from 1932-39. There are no chips or cracks in the glass. Thanks for looking.
Fenton Glass Company made this picture frame. There are no chips or cracks in the glass. Thanks for looking.


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Government sweetens pot to attract auto investment
The Ontario government announced it will spend $625 million over the next five years to lure automotive OEM assembl...
February 28, 2003	Canadian Plastics
Canadian Plastics
The Ontario government announced it will spend $625 million over the next five years to lure automotive OEM assembly plants to the province. According to published reports, $500 million of the total is targeted to go to an existing provincial research and development fund; another $125 million will be spent on training and infrastructure improvements. Ontario Premier Ernie Eves has called on the federal government to contribute funding as well.
Ontario has been on the losing end of new OEM automotive investments in recent years. Since 1990, only one new auto plant has been built in Canada. In the same period, six plants have been built in Mexico and 10 in the U.S., primarily in southern states which have coughed up large amounts of cash in order to lure automotive companies.
Both DaimlerChrysler and Ford are negotiating with Canadian governments for economic aid to build flexible assembly plants in Canada. The companies are expected to make a decision later this year.
High dollar dampens auto investment
Auto industry needs more investment, says trade group (December 11, 2003)
April a key month for auto sector investment
New auto plant may be on hold
iPoly Inc.
Thorold, ON
Energy, environment concerns driving EPS growth
Decoma drops bid for Peguform


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GMO Case: Court Grants CPP Request
The Human Rights Division of the High Court in Accra today reconvened to hear the case filed by lead plaintiffs Food Sovereignty Ghana against the Ministry of Food & Agriculture, The National Bio Safety Committee as well the newly inaugurated Bio Safety Authority and the Ghana National Association of Farmers & Fisher folk (GNAFF). FSG is seeking an injunction against the commercialization and release of genetically modified Bt cowpeas and rice by the defendants. The announcement of the planned release was made in the Ghanaian media by Savannah Agricultural Research Institute (SARI) which specified plans to distribute the seeds in the three northern regions of Ghana.
In today's proceedings Mr Bright Akwetey, counsel for the second plaintiffs, The Convention People's Party (CPP) prayed the court to permit him to submit a supplementary affidavit in support of FSG's position on the pending matter. Judge Kofi Essel Mensah granted the request based on the fact that he thought the application was well intentioned in bringing to the attention of the court, any laws or documents which would provide more understanding of the issues surrounding the case.
He reminded the court that no one person was a repository of all knowledge and that the evidence Lawyer Akwetey intended to submit would be useful in helping to determine the merits of the case brought before the court.
Counsel representing the Ministry of Food & Agriculture as well as the Attorney General's office were absent from court as State Prosecutors in the Judicial Service had earlier begun their announced strike. Counsel for the 1st, 3rd and 4th plaintiffs George Tetteh Wayoe expressed concern that the undetermined duration of the strike may delay proceedings and hoped that it would not drag out for a long period as the matter brought before the court had a human rights dimension to it and delay in determining the case could affect the timely delivery of justice.
The Judge ordered Lawyer Bright Akwetey to file his supplementary affidavit by July 15 and set the date for reconvening of the case to July 22.
FSG maintains that Ghana is bound by its legal obligations under the Cartagena Protocol on Biosafety to observe the precautionary principles and due process, before the approvals for the so-called "confined" field trials in the country as well as plans to commercialize and release GM crops contravention of the provisions of that Protocol.
For Life, the Environment, and Social Justice!
Edwin Kweku Andoh Baffour
Communications Directorate,
Contact: Tel: +233 249867238 / +233 207973808
Website: http://foodsovereigntyghana.org/
Twitter: https://twitter.com/FoodSovereignGH
Facebook: https://www.facebook.com/FoodSovereigntyGhana
Categories: News, Our Campaigns, Press Releases and Statements | Tags: biotechnology, Bt cowpeas, Court Case, CPP, Ghana Biosafety Committee, GMOs, Ministry of Food and Agriculture | Permalink


Kyushu's largest castle was a modern museum on the inside. Unfortunately, it suffered major damage by the Kumamoto earthquake and remains closed.
Other sights of Kumamoto city such Suizenji Park and Kumamoto Station.


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Spot My Sports
Live ticker Formula 1: Grand Prix Circuit Silverstone
What is possible for German pilot?
Sebastian Vettel looks back on a rather mixed weekend in Canada and after qualifying didn't go well in the rain, he didn't score a point in the race either. Basically, however, Aston Martin seems to be on the up. Mick Schumacher should also be hoping for points at Silverstone. In Canada, the German Haas driver was close, but was then slowed down by a technical defect.
What can Mercedes do?
The big question is once again what Ferrari can do. Lewis Hamilton has won eight times at his home round and loves the track at Silverstone. This year, however, it will be difficult to win again. The Silver Arrows have improved recently, but is it enough to keep up with Red Bull and Ferrari? But there still seems to be a lot of work to be done on the car.
Verstappen comes as a championship leader
After a bumpy start to the season, the tide has now turned in favor of Max Verstappen. The Dutchman has won five of the last six races and is now leading the World Championship by 46 points over team-mate Sergio Pérez. Charles Leclerc in the Ferrari is 49 points behind Verstappen. The next duel between the two top teams will probably take place in Silverstone.
Welcome to the British Grand Prix! From 2:00 p.m. the cars will be on the track in the first practice session.
1st workout
Grand Prix Circuit Silverstone
Great Britain Grand Prix
Rouven Schröder talks about the failed Jullien transfer
Not just Yann Sommer! Favre Club Nice attracts three Gladbach stars


text:
import React, {Component} from 'react'
import {Link} from 'react-router'
import NotifyWidget from 'components/Nav/notifyWidget'
class TopNavUserInfo extends Component {
	render () {
		  return (

								<Link to="/profile"> Profile Settings</Link>

								 Logout

		)
	}
}

export default TopNavUserInfo

redpajama_set_name: RedPajamaGithub


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Times Square Arts Center
300 W 43rd Street
Arts & Attractions Times Square Arts Center
Right in the heart of the Theater District, TSAC showcases off-the-beaten track plays and productions, acting as a sounding board for established and emerging talents.
Hell's Kitchen Description
Times Square Arts Center is located in the Hell's Kitchen neighborhood of Manhattan. Known as "Clinton" by the municipal government and devotees of former mayor DeWitt Clinton and as "Hell's Kitchen" by Daredevil and everyone else, this area of Midtown West is currently experiencing rapid (re)development. Spanning roughly from West 34th to 59th Streets and from 8th Avenue to the Hudson River, it still has a rough-and-tumble character when compared with other more defined neighborhoods in Manhattan. Once a bastion of poor and working-class Irish Americans, over the last decade the neighborhood has undergone tremendous gentrification as a result of its proximity to Midtown's many office buildings. Long-time residents, many of whom enjoyed reasonable rents and decent-sized apartments, are finding that conversion of rent-controlled and -stabilized apartments, coupled with the general building boom and strong economy, brought quick change to this formerly sleepy area. Given the strange, even Byzantine zoning regulations in New York, it's not unusual to see a tiny brownstone, a remnant of another era, adjacent to or near a brand-new high-rise rental or condominium building. While the wholesome new Theater District has resulted in lower crime rates and decreased the area's quality-of-life problems such as prostitution, urban transformation for some means a loss of the gritty qualities of this neighborhood for others.
While you'll find thousands of new apartments in Hell's Kitchen west of Ninth Avenue, you'll also find dozens of eclectic and interesting restaurants to boot. Some of our favorites include the terrific Daisy May's BBQ on Eleventh Avenue; the German cuisine of Hallo Berlin and nearby Queen of Sheba featuring great Ethiopian cuisine on Tenth Avenue; French patisserie La Bergamote on West 42nd Street; Bali Nusa Indah on Ninth Avenue has intriguing Indonesian dishes; the Film Center Café for high-powered American diner-style dishes; and the many Thai places dotting Ninth Avenue too numerous to mention.
Hotels in Hell's Kitchen include a number of budget places the further west you go such as The 414 Hotel and the Skyline. While there are dozens of hotels on Eighth Avenue and throughout the Theater District on Eighth Avenue and Broadway, Hell's Kitchen enjoys a somewhat more relaxed pace than the frenetic hubbub you'll find just two avenues further east.
Check out the neighborhood's weekly Chelsea-Clinton News, a great local publication that's been around longer than the former U.S. President's daughter!
varies with show
Other Venues Attractions
The Plaza at 101 Park Avenue
One of the live music venues for Grand Central Partnership's ten-week Celebrate ... view
Japan Society
Established in 1907, New York's Japan Society has evolved into North America's s... view
The Lesbian, Gay, Bisexual & Transgender Community Center (LGBT)
Established in 1983, the New York City Lesbian, Gay, Bisexual & Transgender Comm... view
JetBlue Terminal 5
JFK's stunning new Terminal 5 is the first post-9/11 airplane terminal in the Un... view
Rooftop At Pier 17 Summer Concert Series
Located just South of the Brooklyn Bridge, Pier 17 is the heart of South Street ... view
StoryCorps at Foley Square, formerly at WTC Path Station
StoryCorps is a national project to instruct and inspire people to record each o... view
Radio City, like New York, is a place of superlatives, built on grand scale. Sin... view
The infamous UK record company—which brought the Smiths, the Buzzcocks, and more... view


You don't often think about your doctor until you get sick. Our team of family practice doctors at Mercy Clinic Family Medicine in Union, MO, wants to change that.
Being well between visits is just as important. So we focus on education and answering your health care questions and concerns, enabling you to take an active part in your health care. And our team is also linked to numerous medical specialists and a full range of diagnostic laboratory and imaging services when you need them.


At issue, can there be Rule 10b-5 liability (dealing with securities fraud) for not saying something, when you had knowledge and something akin to a duty to disclose. There's a Supreme Court case (Leidos, Inc. v. Indiana Public Retirement System) pending that may resolve the issue.
Is a corporation's failure to say something in itself information, and if so, is that silence itself information that must be governed in order to be compliant? How do you manage/govern silence?


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September '22
August '22
April '22
October '21
March '21
On the bucket list – Culinary experiences in the Burren
Burren Experiences | 02.09.22
Have you been to the most famous landscape in Ireland yet? Or maybe you didn't have it on your radar because you didn't know
The Burren is the Best Place to Holiday 2022
The Burren was crowned the Best Place to Holiday in 2022 by the Irish Times! Following the judge's decision to announce the
Smoked Salmon, Craft Beer & Whiskey – Burren Food Trail
One of the lesser known things about the Burren is the wide range of activities involving food and drinks. That's why there is
The secrets of brewing – Burren Brewery
Named by Lonely Planet "Global Beer Guide" as one of the three best craft breweries in Ireland, the Burren Brewery has quickly
Best Food Experiences in Ireland 2021 – GoAdventure
We are delighted to be among the Top 10 Food Experiences for Food Lovers in Ireland by GoAdventures! We are proud
Autumn Trad Sessions in the Roadside!
The Roadside Tavern is opening its doors again which were shut for the second time in the 156 year history of the pub. (The


The European Chamber of Commerce of the Dominican Republic is a non-profit organization constituted by the bilateral European Chambers of Commerce incorporated in the Dominican Republic.
The bilateral chambers of commerce's affiliates compose our membership with approximately 2,000 companies, both Dominicans and Europeans, which operate in different economic sectors in the Dominican Republic.
Our partners share a common vision for the Dominican Republic: encourage, develop and facilitate in the broader sense, trade and investment, as well as the rest of the exercise of commerce and free industries between the Dominican Republic and the European countries represented by the bilateral chambers of commerce.
The European Chamber of Commerce of the Dominican Republic consists of 9 chambers representing 16 European countries. These are the European Chambers of Commerce in the Dominican Republic: Belgium- Luxembourg, France, Germany, the Netherlands, Italy, Spain, Portugal, United Kingdom and the Baltic States.
The Eurocamara is a lobby organization representing and defending the business interests of European investments, companies and businesses in the Dominican Republic, enabling trade between the Dominican Republic and Europe, and stimulating the development of the Dominican Republic.


If you ever find yourself in need of Lake City Bail Bonds, there is nothing to worry about! Bail Bonds Network helps you locate and get in touch with a licensed bail bond agent in Lake City, Pennsylvania. Most Lake City PA bail bond companies can bail you (or another person) out anytime during the day or night in Lake City PA. At your request, many bail bonds companies will come pick you up discreetly. Payment plans are often available depending on the situation.
Upon arrest anywhere in Erie county, a person must be processed at the Erie county jail. To be released from jail, a few steps must occur, including being booked into jail and posting bail. Once the bail bond amount is confirmed, a bail bonds agent arrives to post the bail bond at the local jail. Now the jail release procedure begins and typically takes anywhere from one to two hours to be completed. While cash bonds are acceptable, it is normally not commonly done due to financial limitations.


If you're considering purchasing a compact car near Denver, Centennial, and Aurora that's as fun to drive as it is stylish, then the 2016 Honda Civic Coupe and the 2016 Scion tC may be on your radar. Both vehicles offer strong performance, sporty styling, and loads of special features, so how do you choose between the two? To start, check out this vehicle comparison from your friends at Mile High Honda then schedule a test drive.
Something buyers and reviewers always love about Honda vehicles is the high-quality interior materials. This is true with the 2016 Civic Coupe, which was completely redesigned for the 2016 model year. With high-quality materials and chrome detailing, the interior is stylish and sporty.
On the other hand, the interior of the 2016 Scion tC could use some updates because it simply looks outdated. With a shift knob reminiscent of a joystick and a center stack that's just a tad out of comfortable reach, the vehicle is slightly uncomfortable.
If you're going to compare the two vehicles in terms of interior design, you'll want to look at the numbers directly, since they really tell a story about design. Both vehicles offer a fair amount of interior space. The Honda Civic Coupe offers a 91 cubic feet of passenger volume, whereas the 2016 Scion tC offers only 88.4 cubic feet. This translates to a small but meaningful difference in front headroom, with the Honda Civic Coupe offering a half inch more than the Scion tC. While this may not seem like a lot, for those taller passengers, it can make quite a difference.
Another major point of difference between the 2016 Honda Civic Coupe and the 2016 Scion tC is the way they feel to drive. This all comes down to the actual suspension system in the two vehicles.
The 2016 Civic Coupe features MacPherson strut front suspension and multi-link rear suspension. This creates a smooth and quiet ride for drivers. On the other hand, the 2016 Scion tC features MacPherson strut front suspension (the same as the Civic Coupe) and double wishbone rear suspension.
In earlier model years, the double wishbone rear suspension might have been enough to top the Civic Coupe, but the multi-link rear suspension simply gives the Civic an edge over the competition.
When you're ready to start your journey as a 2016 Civic Coupe owner near Aurora, Centennial, and Denver, call on the professionals at Mile High Honda. We offer a huge selection of new, used, and certified pre-owned Honda vehicles at our convenient location at 2777 South Havana Street in Denver, CO.
Our friendly and helpful team of Honda experts is here in our showroom during our regular hours Monday through Saturday from 8:30 am until 9 pm to help you find the perfect vehicle for your wants, needs, and budget. To schedule a test drive of the 2016 Honda Civic Coupe, give us a call today at 855-537-0440.


Are you trying to start a new marketing strategy or want to revamp an old one?
If so, you're not the only business in the game. Over 50 percent of businesses have at least a digital marketing plan.
Digital marketing might be the final frontier, but it isn't the only frontier. Believe it or not, many businesses are still using marketing products.
In a world of the intangible, having a marketing product can make your business stand out in a potential consumer's mind. Knowing how to use these products can be difficult, though.
If you don't know how to use your products in an effective manner, you may end up wasting your money. Lucky for you, this article will tell you everything you need to know about boosting your ROI on marketing materials.
Before you start buying marketing materials, think about what makes the most sense for your brand. Like with social media, you want your materials to represent your brand's voice.
For a diaper company, a great marketing material might be a bib. This makes sense and goes along with your style.
A bib wouldn't go over as well for an accounting firm. A better option would be pens or coffee mugs because they fit the tone of an accounting firm. Bibs would make them look unprofessional and drive business away!
Of course, this doesn't mean you should be too worried about making the wrong impression. As long as you stay close to your brand, you won't have to fret about anything going wrong.
Before you decide, check out all of your options. Go here for more info about the different types of materials you can get.
Prior to sending your products out into the great unknown, consider starting with your employees first. They will be honest with you and let you know if they like the product.
Even if you're worried they may not be honest, you'll be able to see how often they use the product. This will tell you if people want your items or not.
Along with this? You may not make a new sale, but you will get your name out there more. How?
It's because marketing products work like walking advertisements for you. If your employees use your product in public, chances are someone who has never heard of you will see it.
Plus, giving your employees company swag will help them feel like they're part of the team. You may even see a boost in retention rates if you let them have marketing materials.
After you test your products out on your employees, start giving them out to loyal customers. Even though they already like your business, this will make them feel like they stand out.
This means you have a better chance of keeping their business for even longer. If they are connected to other people who need your services, you might find new customers.
Plus, you'll be able to see your buyer persona's reaction to the marketing material. This will tell you what it takes to find another loyal customer like them.
You could also consider asking your loyal customers what they think of the product too. Consider sending out a survey a few weeks after giving them the item.
Imagine that you're buying stock in a company. Would you put all of your savings into that one company?
If you're thinking logically, you wouldn't. Even if you thought the company would do well, you still wouldn't take that risk.
Like with any advertising or marketing, you can't always know how people will react to it. You can predict and do research, but you can't know.
With marketing materials, you might expect your target audience to want them. But in reality, they might not. How annoying would it be if no one took your product?
Along with this, your target audience might not use certain items they take from you. If it's not something they want, they may just throw it away.
With more than one product, you'll be able to reach more people than you would with just one.
If someone doesn't drink coffee, they probably won't want your free mug. But they may take a stress ball for their dog.
Let's say you're at a trade show and have your marketing materials with you. If you put them on a table, chances are people are just going to take one and keep walking.
What does this mean for you? It means you're losing an opportunity to speak with potential customers.
Not everyone you give a marketing material to will be interested in your business. But it's your job to make sure you find out if they are.
Instead of dropping your materials on a table, keep them behind a table or behind you to make sure people speak to you before taking them.
You shouldn't make it difficult to get the items but guarding them will give you more opportunities to talk.
Don't be offended if someone isn't interested in your business and still wants the item. Even if that does happen, remember that those people will still be using your swag. That means free advertising for you.
Looking for More About Marketing Products?
Did enjoy this article? If so, you should have a strong idea about how to use your marketing products in a way that will help your business.
But you're not done yet. Marketing is always changing, and you need to make sure you're on top of your game. Check out our digital marketing articles to stay in the know.


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Joan Lawrence (1921–1998) was an elderly Huntsville, Ontario woman who went missing in 1998. Her disappearance led the Ontario Provincial Police to discover that three other seniors—John Semple, 90, John Crofts, 71, and Ralph Grant, 70—were also missing, presumed murdered. Though Lawrence lived a solitary life, and was known locally as the "Cat Lady," she had previously worked as a poet and journalist, and was in the process of reporting her landlords for "frauds, theft, mistreatment and neglect" at the time of her disappearance.

Life and work
Lawrence was born in Ottawa in 1921. Her parents were Irene Claire McCarthy (b. 1894) and William Lawrence (b. 1887). In 1940, at age 19, Lawrence began work as a freelance writer for the Toronto Star, Ottawa Citizen, and others. A few years later, at age 26, she lost her advertising job "for trying to write a book while she was supposed to be working." In 1943, Lawrence married an army lieutenant named Burton Gamble, whom she divorced in 1949. Later in the life, Lawrence resided in Toronto while caring for her elderly parents. After their deaths, she relocated, arriving in Huntsville in the 1980s.

Lawrence began taking in the community's unwanted kittens, eventually amassing dozens of cats. In 1994, her shack burned down in an accidental fire. After that, she lived in boarding houses and the Salvation Army, but continued to feed her cats. In 1997, she moved into "Cedar Pines Christian Retirement Lodge," a retirement residence owned by Kathrine Laan. Later that year, she moved onto property owned by Kathrine's brothers, David, Walter, and Paul Laan. According to community members, the "Laan farm" was the only place she could keep her cats. For $600 a month, Lawrence rented an eight-by-ten-foot shed that had limited heat, and no insulation or running water.

In September 1998, a social worker alerted police to conditions on the Laan farm. Police and the fire chief attended, discovering Lawrence in the shed. Adult Protective Services was notified, and began making arrangements to find Lawrence another home. In the meantime, Lawrence was moved from the shed into a decommissioned van on the same property.

Disappearance and subsequent investigation
Lawrence disappeared in November 1998. She was reported missing by 57-year-old Allan Marshall, a former limo driver who also resided on the Laan farm and had become close with Lawrence. Marshall told police he heard gunshots and saw a backhoe being operated around the time of Lawrence's disappearance. Police obtained a search warrant for the property that December. Despite an extensive search by lake, land, and air, they failed to find Lawrence's body. Notably, half a dozen of her cats had been fatally shot. The Laans' uncle, Ron Allen, eventually claimed responsibility.

The OPP investigation continued, and by July 2000 police had discovered three more of Laans' residents who could not be accounted for: 90-year-old John Semple, 71-year-old John Crofts, and 70-year-old Ralph Grant. Like other Laan residents, the missing men were marginalized, and had been brought to Muskoka from homeless shelters in Toronto. These men's pension cheques continued to be cashed although they had not been seen on the Laan property or elsewhere. The Laans had failed to report that they were missing. This led police to uncover a "pension cheque scam," and charged David, Walter, Walter's wife Karen, Paul, and Kathrine with defrauding the federal government of the benefit money it was providing Semple, Crofts, Grant, and other residents who had died or were missing.  The charges against David and Karen were dropped, but Walter, Kathrine, and Paul pled guilty.

The Laans' retirement homes were shut down by the authorities. After serving conditional sentences, Walter, Paul, and Kathrine moved away from Muskoka, as did David. No one in the family has ever provided a sworn statement to police or cooperated with the investigation. In 2001, Walter Laan told the Toronto Sun that "Police were trying to sink us for these missing people." He added the case was "really a dead issue now."

In July 2019, a podcast detailing the case was released by the Canadian Broadcasting Corporation. Shortly afterward, the OPP held its first-ever press conference on the topic of Lawrence's disappearance and suspected homicide in the 21 years that her case had been open. Afterward, lead detective Rob Matthews said new people had come forward with information.

Media coverage

In 2017, the disappearances of Joan Lawrence, John Semple, John Crofts, and Ralph Grant were featured in "Cottage Country Murder," a magazine article in The Walrus. The article was written by Zander Sherman, who had been researching the story since 2014. Sherman also consulted on "Murder in Cottage Country," a co-produced documentary by CBC's The Fifth Estate. In 2019, Sherman and two colleagues won a Canadian Screen Award for their work on the documentary. Later that year, Sherman hosted the fourth season of the CBC podcast Uncover, called "The Cat Lady Case."

See also
Senicide
Cat lady
List of people who disappeared
Uncover (podcast)

References

1990s missing person cases
Missing person cases in Canada
1998 in Ontario
Senicide
Unexplained disappearances
Huntsville, Ontario

redpajama_set_name: RedPajamaWikipedia


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The Dirty Deets: According to 3 (S)experts, Here's How Often Most Couples Have Sex
Medically reviewed by Jennifer Litner, LMFT, CST — Written by Sarah Ellis on December 18, 2019
The average
Sex frequency by age
Sex frequency and long-term relationships
Myths to stop believing
When to worry
How to increase sex drive
Picture this: You're at brunch with your squad after weeks of trying to get everyone together. The mimosas start flowing, the gossip gets thrilling, and inevitably the conversation takes a very *ahem* personal turn.
Before you know it, everyone is spilling the tea about their sex lives in the middle of the restaurant, Sex and the City style.
One confident pal claims that she and her girlfriend do it "every single day, sometimes twice," while another admits that having kids has put a damper on her horizontal time with her hubby. "It's been months," she says, resignedly. "But I feel like that's to be expected, right?"
As everyone goes around the table swapping stories, you're sitting there wondering, uhh, what should I say about myself?! Should you inflate the number of times you typically get it on, or downplay your average? What's "normal" here — and are your friends even telling the full story of their sex lives?
For real though, what's the average?
The truth is, there's no "right way" to have a pleasurable sex life. Every couple has different preferences, and the most important thing is that both people feel happy with their physical intimacy.
If you really want to talk numbers, the research provides a bit of insight here. A 2017 study in the Archives of Sexual Behavior found that American adults in their 20s had sex around 80 times per year, while people in their 60s got it on closer to 20 times annually.
A 2015 study in Social Psychological and Personality Science found that having sex more than once per week did not necessarily lead to an increase in a couple's overall happiness and contentment in their sex lives (i.e. more sex isn't always better, but a minimum of once per week seems to be the sweet spot).
But that doesn't mean this number works for everyone. "When it comes to sex, there is such a large spectrum and so much variation that no real 'normal' exists," says Andrew Aaron, LICSW, sex and relationship therapist and marriage counselor.
He explains that communication between partners is key to establishing a frequency of sex that works for both people. "Some couples are sexual daily and neither is it out of the norm nor is it unhealthy," he notes. "Other couples are sexual once every other month. If both partners are satisfied, then this infrequent frequency is also within the norm and is healthy."
What about age factors?
As noted in the Archives of Sexual Behavior research, age can play a role in determining the frequency of sex — but the key word here is can.
A 2018 Journal of Sex Research study of middle-aged participants found that the older someone felt and the less positively they viewed aging, the less likely they were to enjoy sex. A lot of what creates healthy libido is simply how you feel about yourself and your partner.
That said, certain physical effects of aging can affect sex drive as well. "Varying levels of estrogen and testosterone can affect libido," says Tristan Bickman, MD, OB/GYN and author of Whoa, Baby!
She explains that men and women might peak at different times of life in terms of hormones and libido. "Males reach peak sex drive in their teenage years," she says. "Females have their peak in their 30s."
On the other hand, research also suggests that men and women actually hit their sexual peaks when they are most comfortable with their bodies and their sexuality — which could, in theory, be at any time.
Stress, hormones, and lifestyle can all play a role in determining how often someone desires sex, and these factors can ebb and flow throughout your life.
"Anxiety, depression, low self-esteem, sexual performance concerns, body image issues, and mental health problems can all eliminate sexual desire," Aaron says. When you're in a low-stress period of life, you may find yourself desiring sex more often.
What's normal for couples in long-term relationships?
We've all heard of the "honeymoon stage" in the first 2 years of a relationship where both partners want sex all the freaking time. But once that's over, what changes?
"When couples are together a long time, and if they have stressors like kids, or really stressful jobs, it's very easy for them to fall off," explains Mary Jo Rapini, a licensed psychotherapist specializing in intimacy and sex.
"They'll go a month without even thinking about sex, because they're so tired, they're so overstressed, they've got so many other things going on."
She says having children can really change the amount that couples are having sex — mainly because becoming a parent totally changes your life and routine.
Bickman agrees that time can change a couple's sex life. "It has been established that as the length of marriage increased, the sexual desire and frequency of sex decreases," she explains.
"It has also been established that this decrease occurs within the first 2 years of marriage." But this doesn't mean you can't beat the odds! If your sex life is still bangin' after 2 decades, keep doing your thing.
And if your relationship isn't as easy as it used to be, don't fret — this can actually be a positive thing. Aaron notes that big events like marriage and children can challenge a couple and force them to grow together.
"These milestone events accelerate the forward movement toward the work phase of the relationship, which is most of the duration of the relationship in which partners intentionally or not experience and address personality problems and limitations," he says.
"The work phase is not sexy. It can be challenged with tension, conflict, and adversity, all of which has a strong and negative impact on the level of sex drive."
But this can also be the time where you learn to work through your differences as a team. Physical intimacy may not always be the top of your priority list, but that can change if you both commit to working on your sex life together.
Really annoying sex myths we can finally kick to the curb
Quantity is everything. This should go without saying, but the quality of sex matters way more than the frequency at which you're having it. If your pal who says she has sex daily is treating it like a to-do list item, is she really having a "better" sex life than you? We think not.
Masturbation decreases your sex drive. This couldn't be further from the truth — actually, regular masturbation can increase your sex drive and teach you what feels good for your body, which makes for a better partnered sexual experience, too.
A dry spell means you're doomed. Everyone goes through periods where they desire sex less often. This doesn't mean you're broken or that nothing will ever change. If you're concerned about low libido, talk to your doctor to figure out what might be going on and how to change it.
Certain sexual preferences are "bad" or unacceptable. Enjoy kinkier sex? Good for you! As long as you're experimenting in a safe environment and practicing enthusiastic consent with your partner, you should have whatever type of sex you damn well please.
Is my relationship in trouble?
Decreased sex drive doesn't necessarily doom a relationship. It's all about whether both partners are communicating about their needs and working through their emotional hang-ups as well as their physical ones.
Rapini says she typically considers 1 full year without having sex as grounds for concern in a relationship. "If it's been a year, it's diagnosable as not being healthy," she explains. "Especially if one of them really wants sex more."
If this happens, a medical professional or sex therapist can work with a couple to understand the roots of this low libido, and figure out a plan for increasing sex drive and frequency.
How to torch your sex drive
Luckily, there are plenty of ways to start having more satisfying sex at a rate that makes both partners happy. Here are some concrete strategies for how to make that happen.
Incorporate de-stressors into your life. "Exercise, yoga, having fun, [and] achieving relaxation can all contribute to increased sexual desire," Aaron explains. He suggests "escaping stressful routines by doing something spontaneous and different, especially with the sexual partner." Have you heard the saying that vacation sex is some of the best sex you'll have? That's because it gets you out of your regular environment, which can feel sexy and exciting. Try adding some spontaneity and fun to your life to relieve stress and help you feel connected to your partner.
Connect with your partner emotionally. Sex is way more than just a physical thing. "Sex is really wholistic," Aaron explains. "Every part of being and our experience contributes and influences our sexuality. Sex is chosen to build connection and to express an already built loving connection, for pleasure, entertainment, stress relief, and innumerable other reasons." The more you're jiving in all areas of life, the more likely you are to want sex with your partner.
Consume erotic media together. Whether it's reading a steamy book or watching porn as a couple, this can inspire you to shake things up in the bedroom. Rapini suggests doing this together and talking about it (rather than one partner watching porn in secret, which can sometimes create shame around the issue, and feelings of betrayal).
Get your hormones checked out. If you're worried that your hormones are out of whack, give your doctor a call. "Avoid some medications that can decrease libido if possible," Bickman suggests. "Check your hormones to confirm normal levels if you find that there is a significant decrease in libido." It could be that by making a change to your regular medications, your libido goes up significantly.
Kick shame to the curb. There's nothing that kills sex drive like feeling ashamed or embarrassed of your body or your desires. "Our sense of ourselves, including our feelings about our bodies, have a huge impact," Aaron says. "Self-esteem is important. Past sexual impressions can play a role." He explains that when we feel confident and in control of our sexuality, we're way more likely to crave sex. "Feeling powerful is an aphrodisiac," he notes, describing power as "the ability to make our lives the way we want [them] to be." When you feel worthy of great sex, you're more likely to seek it out more often.
If you're still struggling to get your sex life to a place that makes you happy, consider working with a couples' therapist who specializes in sex and physical intimacy. A professional can help you understand the root of your concerns and rethink what a "normal" sex life looks like.
Forget what your friends say — it's all about what makes you and bae feel satisfied and happy. When the topic comes up at brunch, you can just wink and flash a coy smile. They'll get the picture.
Last medically reviewed on December 18, 2019
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Remaining Resilient: Work Shield & The 'Human Element'
It's no secret that 2020 posed significant challenges for entrepreneurs and business leaders across Texas and beyond. As businesses fought to survive, resiliency remained an underlying current that pushed businesses to pivot their traditional methods and implement new tactics to stay relevant in the new normal. Through all the change, one thing that endured was Work Shield's steadfast commitment to preserving the "human element," staying true to our core values of protecting employees' voices by ensuring they are always heard. This resilient effort to protect and preserve the human element is why Work Shield is especially honored to be included in Dallas Innovates 2021 Resilience Issue, where our CEO Jared Pope and CLO Travis Foster were named among the top innovators that helped grow a community of disruptors and game-changers in North Texas.
Beginning his career as an HR attorney, Jared quickly realized the lack of solutions available to employers who wanted real, impactful change in order to protect their employees. Seeing these inadequacies, Jared was determined to create the first solution of its kind to provide employers with the ability to address the inappropriate behaviors that ultimately lead to a toxic workplace culture, while also offering employees a safe method of reporting. Jared jotted his ideas down on a napkin during a lunch with his longtime friend and fellow attorney, Travis, and the rest is history. Travis immediately signed on to be a part of Work Shield, having previously seen the impact of toxic work environments and the need for workplace cultures that are comprised of diversity, integrity and equity for all.
With Jared and Travis's guidance, alongside the rest of the leadership team and board of advisors, Work Shield continues to innovate and flourish, despite a year where so many companies simply had to survive. In response to the COVID-19 pandemic, Work Shield not only adapted to the evolving needs of our existing clients, but expanded exponentially, growing our client base by over 250%. As we forge ahead into 2021, Work Shield will continue to keep innovation and human connection at our core, leaning on resilience to overcome whatever obstacles come our way because we know the Work Shield solution is vital to protect cultures, companies and employees – all at the same time.
You can read Jared and Travis's full interview, along with why preserving the human element of Work Shield is essential to our mission in the digital edition of Dallas Innovates.
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