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Source: http://livelongfood.net/novembertwentyeight/
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Thursday, November 29, 2012
Wednesday, November 28, 2012
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Happy Home: Family Tree Farm Fun
A few days ago we decided to visit a local tree farm. It was nice to spend some quality family time together. Even though we didn't get a "real" tree this year, it was fun to look {and smell them}, and there were plenty of other fun activities to do. The only downsize was the temperature. I believe it was in the 40's with a wind chill below freezing! Burr!
Of course I had to get a picture of my baby bear with the bears! Sic'em!
It was just a little bit windy!
Sweet baby profile.?
Measuring up!
LOVE her face here!
Such a little adventurer.?
Talking with the rabbits.?
Chickens!
Mommy wanted more pictures...Emma Claire did not. End of story.?
Moo. Baby cow.?
I LOVE this picture. Such a daddy's girl.
Such a magical picture.?
Time to leave. We plan on going back when it is a little warmer!?
?I have to say she had an ADORABLE smocked Christmas tree dress underneath all of her layers! It was too cold for pictures though! She will wear it again I'm sure.?
Source: http://the-happyhome.blogspot.com/2012/11/family-tree-farm-fun.html
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Tuesday, November 27, 2012
?Fiscal cliff?: Consensus on increasing tax revenue, a wide gulf on how to do it (Washington Post)
On the road again: Travelers head home after holiday
8 hrs.
Video
The Thanksgiving feast is over, and the majority of travelers will be heading back home Sunday. It?s a busy day that could prove challenging if Mother Nature decides to tag along. NBC?s Michelle Franzen reports.
Playlist
Source: http://www.nbcnews.com/travel/road-again-travelers-head-home-after-holiday-1C7227557
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Friday, November 23, 2012
TEXT-S&P summary: Oversea-Chinese Banking Corp. Ltd.
(The following statement was released by the rating agency)
Nov 22 -
===============================================================================
Summary analysis -- Oversea-Chinese Banking Corp. Ltd. ------------ 22-Nov-2012
===============================================================================
CREDIT RATING: AA-/Stable/A-1+ Country: Singapore
Primary SIC: Commercial banks,
nec
Mult. CUSIP6: 690333
Mult. CUSIP6: 69033C
Mult. CUSIP6: 69033D
Mult. CUSIP6: 69033Q
Mult. CUSIP6: 69033R
===============================================================================
Credit Rating History:
Local currency Foreign currency
01-Dec-2011 AA-/A-1+ AA-/A-1+
02-Aug-2004 A+/A-1 A+/A-1
==============================================================================
Ratings Score Snapshot
Issuer Credit Rating AA-/Stable/A-1+
SACP a
Anchor bbb+
Business Position Strong (+1)
Capital and Earnings Adequate (0)
Risk Position Adequate (0)
Funding and Liquidity Above Average
and Strong (+1)
Support +2
GRE Support 0
Group Support 0
Sovereign Support +2
Additional Factors 0
Outlook
The stable outlook on OCBC reflects our belief that the bank will maintain its high systemic
importance in Singapore and that its SACP will stay within the 'a' category over the next one to
two years. The outlook also reflects the outlook on the sovereign credit rating on Singapore.
We could downgrade OCBC if: (1) we lower the sovereign credit rating on Singapore; (2) we no
longer believe OCBC has high systemic importance in Singapore; or (3) the bank's SACP declines
by two notches. We could lower OCBC's SACP if the bank's risk-adjusted capital ratio is likely
to decline below 7% due to aggressive expansion, particularly in higher risk emerging markets;
or if the bank's asset quality declines substantially.
A positive rating action is unlikely in the next one to two years. We could raise the rating
if the bank significantly strengthens its capitalization and business position, such that we
raise the SACP by two notches.
Rationale
Standard & Poor's Ratings Services bases its ratings on Oversea-Chinese Banking Corp. Ltd.
(OCBC) on the bank's "strong" business position, "adequate" capital and earnings, "adequate"
risk position, "above-average" funding, and "strong" liquidity, as our criteria define those
terms. The bank's stand-alone credit profile (SACP) is 'a'. The issuer credit rating on OCBC is
two notches higher than the SACP, reflecting the bank's high systemic importance in Singapore
and our view of a high likelihood of support from the government of Singapore (unsolicited
ratings AAA/Stable/A-1+; axAAA/axA-1+).
Our 'bbb+' anchor for OCBC draws on our Banking Industry Country Risk Assessment methodology
and our view of the economic and industry risks in the countries where the bank operates. The
economic risk score of '4' is based on the weighted average of OCBC's private-sector loans to
nonbanks in each country in which it operates. As of Sept. 30, 2012, Singapore accounts for
about 53% of such loans, Malaysia about 16%, with other Asia locations and the rest of the world
accounting for the rest. Our economic risk assessment of Singapore reflects the sovereign's high
income, and diverse and resilient economy. However, we believe some potential imbalances are
building up in the property sector. OCBC's industry risk score of '2' benefits from Singapore's
well-developed institutional framework, prudent banking practices, and stable funding support of
core customer deposits.
OCBC maintains a superior competitive position in the markets in which it operates, which
supports our assessment of its business position. The bank has a strong franchise as the
second-largest domestic bank in Singapore, with a market share of about 15% of system loans and
17% of deposits. OCBC's presence in private banking and insurance through Bank of Singapore Ltd.
and Great Eastern Holdings (both not rated), respectively, complements its traditional
strength as a commercial bank in its core domestic market. We expect OCBC to maintain its stable
revenue streams from its core businesses despite the increasingly challenging macroeconomic
conditions in Asia. We also believe that OCBC will continue to diversify geographically to
offset domestic margin pressures.
We expect OCBC's risk-adjusted capital ratio to stay above 7% over the next two years. This
is based on the assumption that loan growth will be in the mid- to high-single digit range and
that the bank's profit generation and retention will keep pace with the growth. In our view, the
bank's net interest margin will remain under pressure; however increased contributions from its
private banking and fee-related business lines will offset the risk. Our expectation is also
based on our view that OCBC will maintain a reasonable dividend payout and continue to maintain
capital buffers.
Our assessment of OCBC's risk position reflects our view of the bank's straightforward
commercial banking business model. In our view, OCBC will continue to pursue measured expansion
in emerging markets, such as China and Indonesia, which are inherently more risky. However, we
expect OCBC's asset quality to remain sound due to a combination of prudent credit risk
management and stability in the bank's key markets of Singapore and Malaysia.
OCBC's large, stable retail deposit base and established franchise in Singapore underpin its
funding profile. The bank benefited from deposit inflows during periods of financial turmoil,
when smaller foreign banks were scaling back and losing deposit share. In addition, we assess
OCBC's liquidity as strong because of the bank's rich pool of liquid assets. OCBC's retail
customer funded model reduces the need for short-term wholesale funding and supports our view.
Related Criteria And Research
-- Hong Kong And Singapore Banks' Credit Quality Can Withstand A Mild Recession In Europe,
May 17, 2012
-- Banking Industry Country Risk Assessment: Singapore, March 16, 2012
-- Banks: Rating Methodology And Assumptions, Nov. 9, 2011
-- Banking Industry Country Risk Assessment Methodology And Assumptions, Nov. 9, 2011
Source: http://news.yahoo.com/text-p-summary-oversea-chinese-banking-corp-ltd-073439700--sector.html
Virgin Mobile offering holiday discounts on handsets
Virgin Mobile is all about deals for service and handsets, and it's adding some limited-time special deals for the holidays. The Samsung Galaxy SII (S2) has been $70 off since Monday, now just $299 off contract, and will stay that way through next Monday. The venerable HTC EVO 4G will be on sale for $199 and the Samsung Galaxy Reverb just $99 through Monday also, both $100 off.
You'll see the EVO 4G go on sale starting Friday, and the Galaxy Reverb starting Thursday. Virgin offers all of these devices off-contract, with monthly plans starting at just $35.
Source: Virgin Mobile
 |  |
Source: http://feedproxy.google.com/~r/androidcentral/~3/Jqw63Iul_vk/story01.htm
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KMyMoney Is as Simple to Use as Quicken
KMyMoney is a comprehensive finance-tracking application that does not require an accounting degree to use effectively. Linux provides several hearty checkbook and banking programs. Among the more well-known are GNUCash, Grisbi, Skrooge and MoneyDance. Each of these contenders for your attention have their own unique look and feel.
| |
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Monday, November 19, 2012
Cow painting 505 24x30 inch animal portrait original oil painting by Roz by RozArt
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Source: http://www.etsy.com/listing/104585873/cow-painting-505-24x30-inch-animal
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Wednesday, November 14, 2012
More women have driver's licenses than men in U.S.
WASHINGTON (AP) ? Women have passed men on the nation's roads. More women than men now have driver's licenses, a reversal of a longtime gender gap behind the wheel that transportation researchers say is likely to have safety and economic implications.
If current trends continue, the gap will only widen. The share of teens and young adults of both sexes with driver's licenses is declining, but the decline is greater for young men, according to a study by the University of Michigan's Transportation Research Institute. The study looked at gender trends in driver's licenses between 1995 and 2010.
"The changing gender demographics will have major implications on the extent and nature of vehicle demand, energy consumption, and road safety," predicted Michael Sivak, co-author of the study. Women are more likely than men to purchase smaller, safer and more fuel-efficient cars; to drive less, and to have a lower fatality rate per distance driven, he said.
Over the 15 years the study covered, the share of men ages 25 to 29 years old with driver's licenses dropped 10.6 percent. The share of women of the same age with driver's licenses declined by about half that amount, 4.7 percent.
Male drivers outnumbered women drivers from the moment the first Ford Model T rolled off the assembly line in 1908, the year the automobile became popular, and through most of the last century. In the 1950s, when only about half of adult women had driver's licenses, jokes about women drivers were a staple of comedians.
But the gap gradually closed. By 1995, men with driver's licenses slightly outnumbered women, 89.2 million to 87.4 million. By 2010, 105.7 million women had licenses, compared with 104.3 million men.
Likewise, in 1995 men with driver's licenses outnumbered women in every age group except those over 70. By 2010, women outnumbered men among drivers ages 45 and older and between ages 25 and 29 years old. The share of older women who are also on hanging onto their driver's licenses has also increased.
"I want to be in my own car for as long as possible. I want to be independent for as long as I can," said Diane Spitaliere, 58, a retired government worker in Alexandria, Va.
Male drivers under age 44 are still slightly more numerous than women of the same age, but that's only because young men outnumber young women in the general population, the study said. There now are 105 boys born each year for every 100 girls in the U.S. Women outnumber men later in life because they live longer ? an average of 80 years for women, compared with about 75 years for men.
Rising Internet usage may be part of the reason for the decline in the share young drivers, especially young men, Sivak said. A previous study by the transportation institute published earlier this year found that countries that have higher Internet usage also have a lower licensure rate of teens and young adults.
"There is some suggestive evidence that Internet contact is reducing the need for personal contact," he said.
Other researchers have theorized that digital media and technology may make driving less desirable and public transportation more convenient. Texting while driving is dangerous and illegal in most states, but there's no risk to texting or working on a laptop while riding a bus or train. Some transit systems have been seeing significant increases in riders.
Another reason for the growing disinterest among young men in driving may be the erosion of the "car-fetish society," travel behavior analyst Nancy McGuckin said. "Today's young adults grew up in the back seat of cars stalled in congestion, hearing their folks swear at the endless traffic. Nothing romantic about that!"
It is also "no longer cool, or even possible, to work on your own vehicle. The engines are so complex most people don't even change their own oil," she said. "Independence, freedom, being able to customize the car to reflect you ? these are not part of young people's association with vehicles."
There also may be economic reasons for the shift, McGuckin's research indicates. Employment of 16- to 24-year-olds as a share of all workers has declined. At the same time, the rate of young men ages 18 to 34 years old living at home has been going up and is greater than the rate of young women living at home.
It may be that unemployment and underemployment have made auto insurance unaffordable for young men, said Alan Pisarski, author of the Transportation Research Board's comprehensive "Commuting in America" reports on U.S. travel trends. "Insurance for males under 25 is just colossally expensive," he said.
There has also been a sharp decline in vehicle trips and the number of miles traveled by vehicle for 16- to 29-year old males, according to McGuckin's analysis of massive government travel surveys between 1990 and 2009. The declines for women were not as great.
"The car companies are very worried," she said.
Gloria Berquist, vice president of the Alliance of Automobile Manufacturers, said the alliance is aware that the share of teens and young adults obtaining driver licenses is dropping, although the association hasn't seen the research on the gender differences.
"Some research has shown that young adults today connect with their friends through their smartphones, but at some point younger consumers still need to get from here to there, and a car is still a priority where public transportation is unavailable or limited," she said. "This is especially true for younger adults when they enter the workforce."
___
Follow Joan Lowy at http://www.twitter.com/AP_Joan_Lowy
___
Online:
University of Michigan Transportation Research Institute http://www.umtri.umich.edu/news.php
Source: http://news.yahoo.com/more-women-drivers-licenses-men-us-181947996--finance.html
Marshall Explores Arizona | Education & Reference - uyioods ...
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Source: http://bemaroigese.blogspot.com/2012/11/marshall-explores-arizona-education.html
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Friday, November 9, 2012
New York City, Long Island will ration gas (+video)
To cut waits and hoarding, New York City's?Mayor Michael Bloomberg?and New Jersey's Governor have announced rationing plans. Only one quarter of New York City's gas stations are open, according to Bloomberg. He calls the rationing plan 'practical and enforceable.' ?
David Kahana, who said he had been sitting on line for an hour and 40 minutes, waits to purchase gasoline in Brooklyn, New York. New York City and Long Island will initiate an even-odd gas rationing plan beginning Friday at 6 a.m. in New York and 5 a.m. in Long Island.
AP Photo/Kathy Willens
EnlargeWith long?gas?lines persisting more than a week after Superstorm Sandy, New York imposed a gasoline?rationing?plan Thursday that lets motorists fill up every other day.
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Fuel shortages and distribution delays that led to gasoline hoarding have prompted New York City and Long Island to put into place an even-odd gas rationing plan to begin Friday morning.Police will be at?gas?stations Friday morning to enforce the new system in New York City and on Long Island.Gas?will be available to drivers with license-plate numbers ending in an odd number or a letter on Friday. On Saturday, drivers with license plates that end in even numbers or zero can fuel up.
"It'll be bad. How am I going to get my jobs done?" said Parris Hancock, a driver for a Manhattan catering company who makes deliveries from morning to night. "I'll have to get up at 4 a.m. and just keep going back for?gas?and waiting in long lines."
Officials said something had to be done to ease the long waits for fuel, which they say has caused panic-buying and hoarding.
"This is designed to let everybody have a fair chance, so the lines aren't too oppressive and that we can get through this," Mayor Michael Bloomberg said.
Bloomberg said the system worked well in New Jersey, where lines went from a two-hour wait to 45 minutes after Gov. Chris Christie announced a similar?rationing?plan.
"We have to do something," Bloomberg said. "This is practical and enforceable and a lot better than doing nothing."
Bloomberg said only a quarter of the city's?gas?stations were open. Some were closed because they were out of power, others because they can't get fuel from terminals and storage tanks that can't unload their cargoes. One station owner in Queens' Bayside section said the last time he had?gas?was three days ago.
"Whatever they can do to improve the situation, I'm in favor of," said yellow-cab driver Clee Walsh, as he drove into a BP station on West 36th Street only to discover that it had no?gas.
The?rationing?plan takes effect at 5 a.m. Friday on Long Island, where hundreds of thousands of customers remain without power; and at 6 a.m. in New York City.
Buses, taxes and limousines, commercial vehicles and emergency vehicles are exempt from the plan, as are people carrying portable?gas?cans. Vanity plates that don't have numbers are considered odd-numbered plates. Out-of-state drivers are also subject to the system.
The mayor said the shortages could last another couple of weeks, worrying owners like Ash Gaied.
"It's more pressure on us," Gaied said. "They yell. They curse. You wouldn't believe it."
Gaied said one?gas?delivery lasts the station about seven hours, then he has to wait up to a full day for another one. He was answering a steady stream of phone calls at dusk Thursday from people running on empty.
"Yes, sir, we have?gas," he told one caller. "No, I don't know how long the wait is."
Officials said the?rationing?would be across the region, including Nassau and Suffolk Counties on Long Island, to avoid a rush across municipal lines for?gas.
"It's important that we stay coordinated because we don't want one county's plan impacting on another county," Gov. Andrew Cuomo said. "I'm not going to allow any one of them to do something that compromises a neighborhood because we're all neighbors."
New power outages on Long Island caused by this week's nor'easter again left stations with gasoline in their tanks unable to activate pumps. Suffolk County Executive Steven Bellone said the?rationing?"will ease the challenges residents of the bi-county region are experiencing" after the storm.
Cuomo said he understands the panic, seen in lines blocks long for?gas?across New York City.
"The system is coming together slowly," he said.
Gormley reported from Albany. Associated Press writers Jennifer Peltz and Verena Dobnik contributed to this report from New York.?
Source: http://rss.csmonitor.com/~r/feeds/csm/~3/jOrg1VqtGbE/New-York-City-Long-Island-will-ration-gas-video
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Thursday, November 8, 2012
Mobile App Marketing Platform Trademob Raises $15M Series B Led By Kennet Partners
Global expansion doesn't come cheap, and to that end, mobile app marketing platform, Trademob, has raised a Series B of $15 million led by Kennet Partners. Specifically, Kennet has invested $12.5 million into the Berlin-based startup, with additional funds coming via what is effectively a follow on round from existing investors, Tengelmann Ventures, and High-Tech Gr?nderfonds. The company isn't being transparent about its previous funding -- as many European startups are wont to do -- but says that it's "under $1 million", which makes this look more like an A round, but whatever.Source: http://feedproxy.google.com/~r/Techcrunch/~3/xGv5B6DQHXs/
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89% Robot & Frank
All Critics (80) | Top Critics (31) | Fresh (71) | Rotten (9)
"Robot & Frank" hits all the right notes - romantic, fantastic, tragic and sweet.
There's a warm and poignant interplay between the co-stars.
Langella ... is tremendous.
It may not seem like an even playing field pitting an actor as powerfully intense as Frank Langella opposite a robot, but that's the game plan behind the waywardly endearing, slightly futuristic fantasy Robot & Frank.
Much of Robot & Frank is (frankly) resistible, including the climactic narrative twist, but there is also a likeable oddness that transcends the sentimental contrivance.
An endearing movie about a human and his mechanical new buddy.
Deserves credit for bringing comic fantasy close to sensitive reality
If Miranda July tackled an episode of Tales of the Unexpected the results might be something close to what's on offer here.
Langella provides a formidable central presence, both stubborn and endearing, while Sarsgaard injects warmth and humanity into Robot.
An hysterically funny, breathlessly paced and moving meditation on old age and existence, topped by an award-worthy turn from Frank Langella. One of the year's best.
Jake Schreier and scriptwriter Christopher Ford go well beyond the initial fun of the robot conceit to craft a thoughtful film musing on both the ageing process and our relationship with technology.
A little gem of a movie about aging and obsolescence that is also a very modest sci-fi cautionary tale.
... a marvel of the highest order. Robot and Frank manages to seamlessly blend comedy, science fiction and drama into a film that is hilarious, truly original and utterly heartfelt
This blend of sentiment and genre fancy is not unlike something Ray Bradbury might have contrived for The Magazine of Fantasy & Science Fiction.
Robot & Frank is an airy, engaging flight of fancy. It's also part caper film, part character study, and part allegory about aging. Robot & Frank shouldn't work, but it does.
..never hits the easy and obvious beats of a buddy comedy; there's no sentimental bonding between man and mecha man. Similarly, though it feints toward romance, the relationship ... resolves in an unexpectedly bittersweet way.
"Robot & Frank" is a study of a man who lives with his past mistakes but can't shake how truly alive they made him feel when he was making them, regardless of what they cost him.
Hodgepodge of moods built around an unlikely story of friendship between a man and his service robot, the film carries itself confidently, with occasional moments of significant emotion.
They get the robot right, with fluid movement (by dancer Rachael Ma) and canned warmth in its user-friendly voice (performed by Peter Sarsgaard).
What a weird, winning little movie is Robot & Frank.
The chief spectacle here -- and it's a good one -- is Langella in gruff, curdled mode, an underappreciated master actor slipping seamlessly into a bespoke role.
"Robot & Frank" is so endearing it's easy to forget it's science fiction.
The movie is sweet and agreeably unambitious, derailed only by an egregious third-act twist.
More Critic ReviewsSource: http://www.rottentomatoes.com/m/robot_and_frank/
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Friday, November 2, 2012
Import of proteins into chloroplasts is differentially regulated by age
Wednesday, October 31, 2012
New research has found that the transport of proteins into chloroplasts in plants is differentially regulated by the age of the chloroplast; upturning the previously accepted notion that this process is age-independent or only globally up- or down- regulated for all proteins. The research, led by Dr. Hsou-min Li, a Research Fellow from the Institute of Molecular Biology, Academia Sinica of Taiwan, is published October 30 in the open access journal PLOS Biology.
It's long been known that gene expression changes with age, for example, some genes are expressed in young organisms, others in aged organisms. However, up until now, it has been generally believed that the protein-transport processes that take place inside a cell occur independently of the cell's age.
Dr. Li and colleagues investigated pea leaves of different ages and discovered that proteins imported into chloroplasts?the organelles in plant cells where photosynthesis occurs?can be divided into three groups: one group prefers to be imported into very young chloroplasts, the second group has no special preference, and the third group prefer to be imported into older chloroplasts.
"Age-dependent regulation at the protein transport level had not been thoroughly investigated due to technical difficulties," Dr Li explained. "Pea seedlings offer an excellent model for such studies because each plant has leaves of different ages on a single stem and they are cheap to grow. Other scientists have taken advantage of this but at that time, they only had a very limited number of proteins to test. Now with data from genomic and proteomic analyses, we can test a lot more proteins and can show not only that the regulation exists, but also that every protein can be regulated differently."
After finding this novel regulation, Dr Li's group then attempted to find the signal that controls age selectivity. They found that, for each protein, the age-selective signal is located within the signal peptide that controls organelle import. They also identified a signal-peptide motif that is necessary for targeting proteins to older chloroplasts.
"We knew that signal peptides specify the organelle a protein is supposed to be targeted to, acting like address labels," said Dr Li. "When we found that they also contain the information for the age selectivity we observed, we decided to try to identify the "code" that instructs a protein to go to older chloroplasts first. The existence of such a code means that chloroplast signal peptides are not just address labels - they also contain information about "when" a protein should be delivered."
These findings may have implications for selectively targeting proteins into organelles of aging tissues, said Dr Li. "We believe similar kinds of regulation mechanisms may also exist for other organelles in other organisms, like humans. For example, there may be signal peptide motifs that will allow us to specifically target therapeutic proteins into mitochondria in aging cardiac tissues."
###
Citation: Teng Y-S, Chan P-T, Li H-m (2012) Differential Age-Dependent Import Regulation by Signal Peptides. PLoS Biol 10(10): e1001416. doi:10.1371/journal.pbio.1001416
Public Library of Science: http://www.plos.org
Thanks to Public Library of Science for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
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Kenyan official: 2,700 Ugandans dead in Somalia
NAIROBI, Kenya (AP) ? The number of African Union troops killed while battling Somali militants has always been a tightly held secret, but a top Kenyan official says more than 2,700 troops have died there.
Richard Onyonka , Kenya's deputy minister of foreign affairs, said Wednesday at a forum on Somalia that Uganda has lost more than 2,700 troops since 2007. Onyonko said about three dozen Kenyan forces have died there over the last year.
Neither the African Union nor Uganda has ever confirmed its casualty figures, and several officials who work on Somalia said Onyonko's figure sounded high. Two officials told The Associated Press last month that about 500 Ugandan and Burundian troops have died in Somalia since 2007. A Ugandan spokesman did not answer calls for comment.
Source: http://news.yahoo.com/kenyan-official-2-700-ugandans-dead-somalia-140340249.html
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