Friday, November 30, 2012

sidney - [WATCH]: What is good cardio? - Aerobic Fitness - Health ...

Rating: 4

www.scoobysworkshop.com What is ?good cardio?? Thats of the most frequent questions I get asked. People are always asking if some specific machine or activity is good cardio or not. Before we go into what IS good cardio, lets review WHY cardio is so important ?#1 lose fat! ? want 6-pack abs? Only way is to lose fat thru cardio and nutrition. ?#2 Cardio can improve your mood and significantly reduce depression. Its been prooven by study after study, cardio can make you happier! ?#3 Perform better at school or work! Daily cardio reduces mental fatigue and gives you more energy. A recent study from the U of G showed that daily cardio reduces fatigue by 65%! ?#4 Tons of other health reasons ? oreduce risk of heart disease oreduce blood pressure oreduce risk of diabetes olive longer ? 2hrs longer for every 1hr of exercise You?ve heard me say this before and I will repeat it again ? cardio is much more important than lifting weights and if you only have 20min a day for fitness, you should spend the whole time doing cardio. Its clear that there is a lot of confusion about cardio, its really quite simple. In this video I?m going to tell you how to know what is good cardio and how to tell at a glance if a piece of cardio equipment is good or not. Lets start with the basics. The purpose of cardio is to elevate your heart rate and keep it target zone for at least 20 minutes. How elevated does your heart rate need to be? Depends on your goal, your age, and your health. If you have ?

Source: http://aerobic-fitness.vrg-healthfitness.com/2012/11/27/watch-what-is-good-cardio-2/

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Source: http://suakseoo.posterous.com/watch-what-is-good-cardio-aerobic-fitness-hea

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Source: http://nioasy.livejournal.com/111241.html

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BJ Upton, Braves finalize $75.25M, 5-year deal

Atlanta Braves newly-signed center fielder B.J. Upton, right, and general manager Frank Wren pose with Upton's jersey during a news conference introducing Upton, Thursday, Nov. 29, 2012, in Atlanta. Upton replaces free agent Michael Bourn in center field and should provide needed power from the right side. (AP Photo/John Bazemore)

Atlanta Braves newly-signed center fielder B.J. Upton, right, and general manager Frank Wren pose with Upton's jersey during a news conference introducing Upton, Thursday, Nov. 29, 2012, in Atlanta. Upton replaces free agent Michael Bourn in center field and should provide needed power from the right side. (AP Photo/John Bazemore)

Atlanta Braves newly signed center fielder B.J. Upton speaks during a news conference, Thursday, Nov. 29, 2012, in Atlanta. Upton, who was introduced during the news conference, replaces free agent Michael Bourn in center field and should provide needed power from the right side. (AP Photo/John Bazemore)

Atlanta Braves newly signed center fielder B.J. Upton, right, speaks as general manager Frank Wren looks on during a news conference, Thursday, Nov. 29, 2012, in Atlanta. Upton, who was introduced during the news conference, replaces free agent Michael Bourn in center field and should provide needed power from the right side. (AP Photo/John Bazemore)

FILE - In this July 6, 2012, file photo, Tampa Bay Rays' B.J. Upton hits an RBI-single off Cleveland Indians' Nick Hagadone in the fifth inning of a baseball game in Cleveland. A person familiar with the deal told The Associated Press Wednesday, Nov. 28, the Atlanta Braves have reached an agreement on a five-year deal with Upton. (AP Photo/Tony Dejak, File)

(AP) ? Jason Heyward was in the audience as B.J. Upton was introduced Thursday as Atlanta's new centerfielder.

That made manager Fredi Gonzalez smile as he realized he didn't have to worry so much about finding the third starter in his outfield.

"Shoot, we may not even need a left fielder," Gonzalez said. "With him playing center and Jason, who just won a Gold Glove, in right, it's going to be fun watching these guys cover some ground in the outfield."

Upton was given a No. 2 Braves jersey after finalizing a $75.25 million, five-year contract ? the biggest ever given a free agent by the franchise. He gets a $3 million signing bonus payable by Dec. 31 and salaries of $12.45 million next season, $13.45 million in 2014, $14.45 million in 2015, $15.45 million in 2016 and $16.45 million in 2017.

The 28-year-old spent his first eight big seasons with Tampa Bay. He hit .246 with 28 homers, 78 RBIs and 31 steals this year and replaces Michael Bourn in center. He is not expected to fill Bourn's role as a leadoff hitter.

Braves general manager Frank Wren said adding a right-handed hitter gives more balance to a lineup that includes left-handed hitters Brian McCann, Freddie Freeman and Heyward. Wren said the right-handed power from a centerfielder made Upton especially attractive.

"It's one thing to have a leadoff hitter, which has been great for us, having that true leadoff hitter," Wren said, referring to Bourn. "We feel like we can find that or create that. But to get someone who can play center field at (Upton's) caliber and can also hit 20 to 30 home runs, that's a different dimension. We felt like that would really add to our offense and make our offense deeper.

"We were so left-handed dominant over the last number of years," Wren added. "Now to be able to better balance our lineup left and right, that was something we felt could really enhance our team."

Martin Prado is expected to move from left field to replace the retired Chipper Jones at third base. Wren said he believes third base is Prado's best position, but he said Prado's versatility gives the team options during talks at next week's winter meetings.

"It narrows our focus a little more, whether it's leadoff or left field or that combination," Wren said. "Martin Prado can continue to play left field ... and he can go to third base, so we have some flexibility with the way our roster is constructed."

Wren said internal options in the search for a new leadoff hitter include Prado and shortstop Andrelton Simmons, who hit .289 as a rookie.

Upton, also courted by Philadelphia, said he was won over when he visited the Braves on Nov. 15. Gonzalez, Wren and former manager Bobby Cox were part of the Braves' welcoming committee.

"I came in on that trip and really never felt like that before," Upton said. "They really made me feel like I was part of the Braves family. ... Bobby was great. It feels like I've known him for years. These guys, they got me. There's no other way to put it. They had me when I came here and I left and I felt really good about it."

Upton's home run totals have increased in each of the last three seasons, but he has hit below .250 with more than 150 strikeouts in four straight years.

Upton said his goal is to hit "better than I've been the last three or four years."

"I expect a lot out of myself," he said. "I felt, yeah they were OK years, decent years, but I think I can be a lot better. Hopefully I can get the batting average up and cut down on the strikeouts and other than that continue to do what I'm doing."

Bourn hit .274 with 42 stolen bases this year but he had 155 strikeouts, almost as high as Upton's 169. The Braves believe Upton's big advantage in power over Bourn, who hit only nine homers, more than makes up for the additional strikeouts.

Wren said losing a first-round draft pick to Tampa Bay was not a factor because the team will gain a similar selection when Bourn signs elsewhere.

"The first-round pick we'll pick up for Bourn will be somewhere in the 26-to-30 range and we lost like the 26th pick," Wren said. "So it's negligible, probably within five picks of each other. It won't really be a difference at all. That's the projection we have now."

Heyward, who had 27 homers and 21 stolen bases this season, said adding a similar power-speed player in Upton is "awesome" for the team.

"He's able to do some things you have to worry about on the offensive and defensive side of the ball," Heyward said.

Upton won't be the only star in the Braves' lineup, but he'll be in the spotlight, thanks to the big contract.

"I hope there's no added pressure, but I've dealt with things like that in the past," he said. "I know what's expected of me. I won't put any added pressure on myself. I'll just go out and do what I can to help this team win."

Upton's parents and agent, Larry Reynolds, attended the news conference. Upton said his brother, Arizona outfielder Justin Upton, wanted to join the family but couldn't make travel arrangements.

B.J. Upton said playing with his brother "has been a big, big topic of conversation" for the two.

"Obviously he's under contract for three years," Upton said. "Is it a possibility? Yes. Is it going to happen? We don't know."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-11-29-BBN-Braves-Upton/id-4ccf9be3a405468c85b180bbcbaa818c

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Financial Literacy 101: Where to Begin | Retirement Planning

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Source: http://retirementplanning.investblogs.com/2012/11/29/financial-literacy-101-where-to-begin/

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Thursday, November 29, 2012

Video: 7 simple fixes to improve the air in your home



>>> this morning on "today's healthy home," cleaning up the air indoors. the air in your home is one to five times more polluted, if you can believe it than the air outside. host of the syndicated show "house smart" is here with solutions. lou, good to see you.

>> good to see you.

>> how can that be true?

>> back in the '70s, we did exactly what the epa wanted us to do as home builders, we made houses more efficient. added insulation, made the windows much tighter, in an effort to conserve energy. and what we did was created these very tight homes. all of the volatile organic chemicals inside of our home, whether it's from furniture, the carpeting, the way we live our lives every day is now in that air.

>> what kind of stuff are we talking about in the air typically?

>> well, there's all kinds of chemicals in things like furniture. there's a recent story about furniture now having toxins from flame retardants in there. carpeting, the paint that's on the walls, all of these things add to the poor indoor air quality . and what we don't do in our homes is get enough fresh air . number one tip, willie , open up the window.

>> basic one.

>> i realize in the midwest or the northeast this time of year it's tough to do. however, there are ways within your heating system that you can actually have them pipe in a fresh air intake through the system that's constantly bringing fresh air . but if you live in a warmer climate, this is easy stuff.

>> leave the windows open.

>> leave the windows open.

>> we heard about furnace filters, but you say there's a particular kind to get.

>> everyone defaults to the 99 cent blue ones, this is a filter that is what they call a pleated filter. it will be ten times more efficient at trapping the particles that flow through the home than just that basic blue one which is really only there to protect the blower motor.

>> what does this cost?

>> anywhere from $18 to $25, lasts three months. it really is one of the biggest steps anybody can do themselves. slide it in, change it every three months.

>> air, humidifiers, air purifiers , which one?

>> you want things with high filtration, hepa filtration, a couple of models here. the trick with this, willie , they need to be on high and they need to be in rooms you keep the doors closed. the whole idea is i want to grab that air, put it through the filtration system and i want to clean it as it goes out. humidify occasion like this one here is making that air more comfortable. this actually helps to even lower your energy bills because in areas where it gets dry in the winter by adding humidity, you're more comfortable, you're not as scratchy and you can lower the temperature on your thermostat because the air holds the heat longer.

>> you can get some of these at a reasonable price.

>> yeah. this one here, this is $50. these air purifiers are in the $60 range.

>> you want us to change the way we think about cleaning, the products we use.

>> well, all about making sure you're not adding more chemicals in there. these green cleaners out there now, natural cleaners that are available aren't using harsh chemicals. they work really well whether it's laundry soap that -- this is a soda type, very efficient, works really well. this line of cleaners now all without harsh chemicals and you're not adding more airborne particulate. carpeting a is big thing. 70% of u.s. homes have wall-to-wall carpeting in them. we don't clean it enough. willie , carpeting is like a natural filter. it grabs stuff in the air, but now it's in that carpeting, kids are rolling around in it, your pets walk around in it. you can either buy a carpet cleaner like this, couple hundred bucks, rent one for $40 for the day. every four months you should be cleaning --

>> four months.

>> when was the last time?

>> not four months ago.

>> get on it.

>> a lot of us have heard the word radon, know it's bad, what do we do?

>> it's a radioactive gas everywhere in our environment and inside of our homes, this is a big issue for people. and now with real estate market, it can come in through a sum pump, cracks in the basement, windows itself. four parts per liter. this is a technical --

>> you're losing me.

>> give you an example, a cure is a measurement of radioactive decay . so if the earth was one cure, a pico cure is a speck of dust.

>> and we can monitor --

>> this is a home radon test. open up one of these, put it down there for 48 hours , registers the radon in there. if you have four parts per liter in there, then you need a radon remediation. this is something people can do themselves. this kit is $10, you can send it off to a lab for $30 analysis and then you'll know. you do all this and the air quality in your home, especially for the winter will be much cleaner.

>> good advice. thanks. good to see you.

Source: http://video.today.msnbc.msn.com/today/50009913/

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Salisbury News: Delmarva Education Foundation Donation

Salisbury News: Delmarva Education Foundation Donation

Delmarva Education Foundation Donation

Kat Harting (left), Delmarva Education Foundation board member, presents a check for $18,895.38 to Mike Pennington, president of the Delmarva Education Foundation board of directors, on Nov. 15. The donation represents the final portion of a $175,000 bequest to the Delmarva Education Foundation from the estate of Dr. Donald Harting, the organization's founder. Dr. Harting passed away last year.?The Delmarva Education Foundation promotes college access and success for residents of Worcester, Wicomico and Somerset counties, largely by helping students find money to continue their education.

Source: http://sbynews.blogspot.com/2012/11/delmarva-education-foundation-donation.html

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The reviews are in ? appeal immediately (Powerlineblog)

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Wednesday, November 28, 2012

Germany displaces China as US Treasury's currency villain

Germany's permanent surplus is in stark contrast to the shift under way in Asia. China has "partially succeeded in shifting away from a reliance on exports for growth", and has slashed its surplus to 2.6pc from 10.1pc in 2007.

While the yuan remains "significantly overvalued", China?s has stopped building reserves to hold down it currency and has seen a 40pc appreciation against the dollar since 2005 in real terms. Double-digit wage growth is closing thecurrency gap by oither means.

A chart published in the report shows that Germany has overtaken China to become the biggest single source of global trade imbalance, alone accounting for a large chunk of the US deficit.

Switzerland is top sinner with a surplus of 13pc GDP, though the report says the country faces unique circumstances as a safe-haven battling deflation.

The Swiss National Bank has bought $230bn in foreign bonds since mid 2011 to hold the franc, more than China, Russia, Saudia Arabia, Brazil and India combined.

The US Treasury?s shift in focus away from China - and towards Germany?s disguised mercantilism - reflects mounting irritation in Washington over North Europe?s "free-rider" strategy, which relies on exploiting global demand rather than generating it at home.

The US Treasury said China still needs to do more to wean itself off investment - almost 50pc of GDP - and boost consumption instead. It called for a change in the tax structure, reform of the big state enterprises, and an end to financial controls that force up the savings rate. There is concern that China?s surplus will rise again over coming years unless Beijing pushes through radical reforms.

The tone of the report is conciliatory, a far cry from the hot rhetoric of the US election campaign. Republican candidate Mitt Romney had vowed to label China a currency manipulator from "day one", a move that would have entailed trade sanctions and an ugly turn in superpower relations.

A separate report from the International Monetary Fund said China?s excess credit growth and investment have moved into "dangerous territory" and has begun to impose major costs on China itself.

The country spending 10pc of GDP more on investment than the Asian tigers at the peak of the investment bubble before onset of the East Asian meltdown in the late 1990s.

The Fund said the excesses are unlikely to lead to the sort of sudden-stop crisis seen in Thailand, Indonesia and Korea during that episode, since those countries relied on dollar funding whereas China?s credit comes from internal savings, but there is disguised damage nevertheless. Rampant over-investment acts through complex channels as a transfer of income from families and small businesses to big state firms, distorting the whole economic system over time.

The IMF said there is little doubt that investment in plant and infrastructure has driven China?s great boom over the last thirty years but the law of diminishing returns is setting in.

"The marginal contribution of an extra unit of investment to growth has been falling, necessitating ever larger increases to generate an equal amount of growth. Now with investment to GDP already close to 50 percent, the current growth model may have run its course," it said.

Source: http://telegraph.feedsportal.com/c/32726/f/568423/s/2610c7c9/l/0L0Stelegraph0O0Cfinance0Ccurrency0C970A98820CGermany0Edisplaces0EChina0Eas0EUS0ETreasurys0Ecurrency0Evillain0Bhtml/story01.htm

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Apple to start selling new iMacs on Friday

CUPERTINO, Calif. (AP) ? Apple says the smaller version of its new, slimmed-down iMac desktop computers will go on sale Friday. It will also start taking orders for the larger model, but the units won't ship until next month.

The model with the 21.5-inch screen will cost $1,299 and up, depending on the configuration. The model with a 27-inch screen will start at $1,799.

The iMac tacks the computer components to the back of a large LCD screen. The new models have no disk drive, helping make the edges one-fifth the thickness of the old model. They bulge considerably toward the middle of the back, however.

Apple revealed the new models a month ago.

Apple shares fell $2.04 to $587.49 in afternoon trading.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2012-11-27-Apple-iMac/id-06d81bc63c5f470299de17c6e90b251d

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Currency Risk of International trade - FM Dynamics

Foreign Exchange Hedging -?

International Trading - to hedge or not to hedge ??


The Foreign Exchange Market - International Finance.

Future payments or distributions payable in a foreign currency carry the risk that the foreign currency will depreciate in value before the foreign currency payment is received and is exchanged into U.S. dollars. While there is a chance of profit from the currency exchange in the event the price of the foreign currency


Increases, most investors and lenders would give up the possibility of currency exchange profit if they could avoid the risk of currency exchange loss.


The foreign exchange market comprises the spot market and the forward or future market. The spot market is for foreign exchange delivered in two days or less. Transactions in the spot market quote rates of exchange prevalent at the time of the transactions. A bank will typically quote a bid and offer rate for the particular currency. The forward market is for foreign exchange to be delivered in three days or more. In quoting the forward rate of currency, a bank will use a rate at which it is willing to buy the currency (bid) and a rate at which it will sell a currency (offer) for delivery, typically one, two, three or six months after the transaction date.


Non-Hedging Techniques to Minimize Transactions Exposure

Two obvious ways in which transactions exposure can be minimized, short of using the hedging techniques described below, are transferring exposure and netting transaction exposure. The first of these is premised on transferring the transaction exposure to another company. For example, a U.S. exporter could quote the sales price of its product for sale in Germany in dollars. Then the German importer would face the transaction exposure resulting from uncertainty about the exchange rate. Another simple means of transferring exposure is to price the export in Deutsche Marks but demand immediate payment, in which case the current spot rate will determine the dollar value of the export.


A?second way in which transaction risk can be minimized is by netting it out. This is especially important for larger companies that do frequent and sizeable amounts of foreign currency transactions. Unexpected exchange rate charges net out over many different transactions. A receivable of 100 million Deutsche Marks owed to a U.S. company in 45 days is much less risky if the U.S. company must pay a different German supplier 75 million Deutsche Marks


Foreign Currency Risk: Minimizing Transaction Exposure

The risk is reduced further if the business has only receipts in Deutsche Marks on a continuing basis. Transaction exposure is further reduced when payments and receipts are in many different currencies. Foreign currency values are never perfectly correlated. Therefore, an unexpected increase in the value of the French Franc may improve the profit margin on receipts from France. However, an unexpected decrease in the value of the Canadian Dollar may reduce profits on a receipt from Canada. Although transaction exposure cannot be completely netted away, it may be small enough that the company is better off accepting the exposure rather than incur the costs associated with the hedging techniques described below.


Reducing Short-Term Foreign - Currency Risk


Forward Contracts

The most direct method of eliminating transaction exposure is to hedge the risk with a forward exchange contract. For example, suppose a U.S. exporter has sold 50 cases of wine to a Venezuelan company under a sales contract that specifies the payment of 15 million bolivares in 60 days. The U.S. exporter can eliminate its transaction exposure by selling 15 million bolivares to its bank at a 60-day forward rate of 750 bolivares per dollar. No matter what happens to the exchange rate over the next month, the company is assured of being able to convert the 15 million bolivares into U.S $20,000. If the U.S. business faced an account payable instead of a receivable, it could eliminate its transaction exposure by buying the bolivares at the forward rate.


However, the transaction exposure is eliminated only if the Venezuelan buyer pays its 15 million bolivares obligation. A default by the Venezuelan buyer would not relieve the U.S. producer of its obligation to deliver 15 million bolivares to the bank in return for U.S.$20,000. The U.S. exporter would have to buy the 15 million bolivares at the spot rate two months later.


Forward rate contracts are often inaccessible for many small businesses. Banks often tend to quote unfavorable rates for smaller business because the bank bears the risk the company will not fulfill the forward rate contracts. Large spread in the forward rate quote suggests unfavorable offer terms. Banks will refuse to offer forward contracts at any rate to uncreditworthy companies. Companies that is not eligible for forward rate contracts have the option, however, of hedging transaction exposure with futures contracts.


Futures Contracts

In principle, no differences exist between a futures market hedge and a forward market hedge. For example, a U.S. business has an account payable for $50,000 Canadian, due on the third Wednesday in September. The company could buy one September Canadian Dollar futures contract. If the value of the Canadian dollar increased, the U.S. dollar value of the company?s account payable would increase, resulting in a reduction in the company?s value. However, the value of the futures contract would increase by an equal amount, leaving the net value of the company unchanged. If the value of the Canadian Dollar decreased, the U.S. dollar value of the payable account would increase, but the value of the futures contract would decrease by an equal amount.


A?U.S. business with an account receivable for Canadian Dollars would hedge its position by selling short the Canadian Dollar futures contract. A short sale of a future contract puts the business in a position opposed to that of a business owning the futures contract. When the futures contract increases in value, the company loses that amount. When the futures contract decreases in value, it gains that amount. Despite their advantages, futures contracts also contain some disadvantages. Because futures contract are marked to market on a daily basis, any losses must be made up in cash on a daily basis, while the offsetting gain on the currency transaction will be deferred until the transaction actually occurs. This imbalance can result in a severe liquidity crisis for small companies and for individuals.


Another disadvantage of using futures contracts for hedging is that they trade only in standardized amounts and maturities. Companies may not have the choice of timing their receivables and payables to coincide with standardized futures contracts. Consequently, the hedges are not perfect.


Hedges Using the Money Market

A company has the alternative of using a money market hedge if forward market hedges are not available or too expensive, and where a futures market hedge carries too much risk of insolvency. A money market hedge?called that way because it necessitates borrowing or lending in the short-term money market?enables a company with a future receivable or a future payable to make the required exchange of currencies at the current spot rate. For example, suppose a U.S. exporter expects to receive four million Brazilian reals in one month from a Brazilian customer. The business could eliminate uncertainty about the rate of currency exchange by borrowing reals in Brazil at an interest rate of 10 percent per month: The company can convert the reals into U.S. dollars at the spot rate. When the Brazilian customer pays the four million reals one month later, it is used to pay off the principle and interest accrued on the loan in Brazil.


The difference between the borrowing and the lending interest rates is the cost of a money market hedge. In general, companies must pay more to borrow funds than they can receive when they lend funds. In turn, banks lend funds at a higher interest rate than they pay for funds to earn a profit. The interest rate increases if default risk is present. Banks often require borrowers to pledge the receivable as collateral on the loan to guard against default risk. If the receivable presents a low risk, the bank will require a lower interest rate. If the business is borrowing for a future payable, it can pledge the reals deposit as collateral. When the bank?s risk is low, the company?s borrowing and lending rates are close to the risk-free rate. In this case, even if forward and futures contracts are available, a money market hedge may be the least costly hedging alternative.


Options

Currency options give one party the right, but not the obligation, to buy or sell a specific amount of currency at a specified exchange rate on or before an agreed-upon date. If the exchange rate moves in favor of the option holder, the option can be exercised and the holder is protected from loss. On the other hand, if the rate moves against the holders, it can let the option expire, but profit, by selling the foreign currency in the spot market.


Consequently, options are best characterized with potential for gain and no downside risk. Hedging in the options market enables businesses and individuals to reduce loses caused by unfavorable exchange rate changes, while preserving gains from favorable exchange rate changes. However, this flexibility has a cost.


For example, a U.S. importer must pay a Venezuelan company 150 million bolivares on the third Wednesday of December. The importer is concerned about large losses that would be incurred if the value of the bolivar increases before the obligation is paid. The current value of the bolivar is 710 bolivares per dollar, so the importer buys a December call option for 150 million bolivares at an exercise price of $0.00139 per bolivar. The importer must pay $0.00005 per bolivar plus a broker?s commission of $40.00. If by the third Wednesday in December the value of the Bolivar falls to 725 bolivares per dollar, then the U.S. importer discards the option and buys the 150 million bolivares at the new spot rate for $206,897.


The total cost to the company would be the commission plus premium, plus cost of exercise totaling $214,437.00 ($40 commission, plus $7500 commission, plus $206,897.00). If the value of the bolivar rises above $.00139, the company exercises the call option and buys the 150 million bolivares at the exercise price of $0.00139 per bolivar and pays $208,500 to satisfy the account payable. Under this scenario, the total cost to the company never exceeds the total of the commission plus premium, plus cost of exercise totaling $216,040.00. If the importer has a bolivar-denominated receivable account, it can purchase a bolivar put option. The put option gives the importer the right to sell the bolivar that it receives to the writer of the option at the exercise price specified in the option contract. Consequently, the company is guaranteed a minimum total dollar amount in the future that is equal to the exercise value of the option less the premium and commission paid for the put option. If the value of the bolivar rises, the firm discards the put option and receives the new dollar value of the bolivar receivable less the amount or premium and commission paid on the option. While option hedges suggest a win-win situation for the company, the real benefits of the hedge are somewhat in question. Whether or not the option is exercised, the company always bears the option premium and commission costs. Nevertheless, the company replaces an unknown and potentially disastrous loss with a smaller, but certain, cost. If the option market is efficient, the net monetary benefit of an option hedge to the company is negligible or even slightly negative due to transaction costs. The company gains from the reduction in uncertainty.


The option market?s efficiency is best understood from the seller?s (writer?s) vantage point. The option seller has no gain and all the risks of a loss. Consequently, the only way in which the option seller is induced to write an option is by the holder being willing to pay a premium. Consequently, option premiums reflect the equilibrium price at which an option buyer and option seller perceive their respective interests are protected. The premium is the compensation for differences in expected payoffs.


Cross Hedging

Thus far, a market for forward rates, futures contracts, credit or options in the foreign currency being hedged has been presumed to exist. But this may not be true in all cases, especially for small developing countries. In such cases, cross hedging may be the only hedging alternative available.


Cross hedging is a form of a hedge developed in a currency whose value is highly correlated with the value of the currency in which the receivable or payable is denominated. In some cases, it is relatively easy to find highly correlated currencies, because many smaller countries try to peg the exchange rate between their currency and some major currency such as the dollar, the franc or euro. However, these currencies may not be perfectly correlated because efforts to peg values frequently fail.


As an example, a company has a payable or a receivable denominated in the currency for a small nation for which there are no developed currency or credit markets. The company would explore the possibility that the currency is pegged to the value of a major currency. If not, the company would look at past changes in the value of the currency to see if they are correlated with changes in the value of any major currency. The company would then undertake a forward market, futures market, money market, or options market hedge in the major currency that is most closely related to the small nation?s currency. Cross-hedging success depends upon the extent to which the major currency changes in value along with the minor currency. Although cross hedging is certainly imperfect, it may be the only means available for reducing transaction exposure.


Mitigating Long-Term Currency - Risk Exposure

Theoretically, the same hedging instruments discussed above to alleviate short-term currency risk can be used to hedge long-term transaction exposure. However, at present, there is a limited market for currency futures options with maturities greater than one year. A few multinational banks offer long-term forward exchange contracts with maturities as long as seven years. Unfortunately, for smaller companies, only large, creditworthy corporate customers qualify for such contracts. Although individual companies can negotiate a currency option contract, there is no secondary market for the instrument. Consequently, a number of alternative hedging techniques have developed for reducing long-term transaction exposure.


Back-to-Back Loans

Multinational corporations can often reduce their respective long term currency risk exposure by arranging parallel or back-to-back loans. For example, suppose a U.S. company wants to buy into a fertilizer project in Argentina that will repay the investment and earnings in pesos over the next seven years. The U.S. investor is confident of the rate of return in pesos, but wants to avoid the risk the value of the peso in dollars will decline, resulting in a negative return in dollars. If it can identify an Argentine company that wants to make a similarly sized investment in the U.S., it can arrange offsetting loans. The Argentine company will lend the U.S. company pesos and the U.S. company will lend the Argentine company dollars with which to make their respective investments. The U.S. company will repay the Argentine firm with its peso earnings, and the Argentine company will repay the U.S. firm with its dollar earnings.


Under this arrangement, the companies are entering into a purely bilateral arrangement outside the scope of the foreign exchange markets. Neither company is affected by exchange rate fluctuations. Nevertheless, both companies remain exposed to default risk because the obligation of one company is not avoided by the failure of the other company to repay its loan.


Currency Swaps/Credit Swaps

Swaps are like packages of forward contracts. Currency swaps can be used to avoid the credit risk associated with a parallel loan. In broad terms, a currency swap is an agreement by two companies to exchange specified amounts of currency now and to reverse the exchange at some point in the future. The lack of credit risk arises from the nature of a currency swap. Default on a currency swap means that the currencies are not exchanged in the future, while default on a parallel loan means that the loan is not repaid. Unlike a parallel loan, default on a currency swap entails no loss of investment or earnings. The only risk in a currency swap is that the companies must exchange the foreign currency in the foreign exchange market at the new exchange rate. Frequently, multinational banks act as brokers to match partners in parallel loans and currency swaps.


However, finding companies whose needs mutually offset one another is difficult, imperfect and only partially reduces currency exposure risk. If a company cannot find a match, a credit swap may be used. Credit swaps involve a deposit in one currency and a loan in another. The deposit is returned after the loan is repaid. For example, a U.S. business could deposit dollars in the San Francisco branch of an Asian bank, which would, in turn, lend the depositor yen for an investment in Japan. After the Asian bank loan is repaid in yen, the dollar deposit would be returned.


Summary

Effective legal drafting can minimize significant international transaction risk. However, the risk of currency exposure can be mitigated or even eliminated in its entirety by the techniques and instruments described in this article. How much currency risk exposure remains depends on the instrument selected. Many instruments do not hedge transaction exposure perfectly, but are more accessible to the individual and small to medium size companies. Instruments used to more completely hedge currency exposure, such as put and call options, may contain sizeable transaction costs. Nevertheless, most international businesses prefer the certainty of minimizing exposure, despite the increased transaction costs involved, in lieu of unquantifiable and potentially disastrous foreign exchange risk.


A money market hedge?called that way because it necessitates borrowing or lending in the short-term money market?enables a company with a future receivable or a future payable to make the required exchange of currencies at the current spot rate.


Although cross hedging is certainly imperfect, it may be the only means available for reducing transaction exposure.

Source: http://www.fmdynamics.com/2012/11/currency-risk-of-international-trade.html

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Tuesday, November 27, 2012

Video: A fresh look at music?s biggest icons



>>> tonight we get to hear something for the first time. audiotape being released by the library of congress for all to hear. for music fans it amounts to something of a rosetta stone on tape. these tapes were recorded by a record executive named joe smith who once ran warner records while working on a book in the '80s, he conducted over 200 hours of interviews on tape. as you'll hear from the stars, they helped fill in some blank spots in modern music history.

>> for starters, we get to hear ray charles explain why he can never sing the same song the same way twice. especially when people want to hear it exactly the way it is on the record.

>> i sing, i can't stop loving you, georgia -- there ain't no way i can sing georgia the same way --

>> a lot of the newly released independent views have to do with the stones and the beatles .

>> i think it's very competitive. it's a very competitive business.

>> the two bands actually got along in a sweet way. then goes on to talk about the fab four. mccartney who admits to a strong sense of commercialism gives a candid assessment to his mate. saying john and ringo had natural wit. then mccartney talks about something else, drugs and sergeant pepper , the album that became to define the beatles psychedelic era .

>> sergeant pepper owes a lot to us getting into pop. compared to what you talk about these days, you're never sort of out of it on the floor.

>> reporter: finally we hear from yoko ono , john lennon 's widow, who takes on a long lingering rumor once and for all.

>> i didn't break up the beatles . the beatles were getting very independent. john, in fact, was not the first one who wanted to leave the beatles . paul was the only one who was trying to hold the beatles together. but then again, the other three felt that paul was going to hold the beatles together as his band. it was an incredible period of unpleasantness for john. he was delighted that he was out of it.

>> yoko says ringo was the first one who wanted out. and as time goes by, consider this, the stones 50th anniversary tour is underway. and today would have been jimi hendrix 70th birthday.

Source: http://video.msnbc.msn.com/nightly-news/49986631/

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Here's Why Chris Brown's Twitter Account No Longer Exists ...

Chris Brown sentenced

(CNN) ? Chris Brown has deleted his Twitter account after getting into a vulgar war of words with comedian and writer Jenny Johnson on Sunday.

The stomach-churning exchange of messages all began with Brown tweeting, ?I look old as f***! I?m only 23,? and Johnson responding, ?I know! Being a worthless piece of s*** can really age a person.?

The back-and-forth between Brown and Johnson, some of which can be seen on Johnson?s still-public feed, continued for at least half-an-hour. Brown bit back at Johnson?s initial reply with: ?take them teeth out when u Sucking my d*** HOE.? Johnson lobbed back: ?It?s ?HO? not ?HOE? you ignorant f***.?

From there, Brown made a lewd comment about farting, to which Johnson replied, ?Your mom must be so proud of you.? She also posted a link to a 2009 MTV News story containing details of Brown?s assault on his then-girlfriend Rihanna, along with the hashtag, ?#SuckIt.?

After another round of scatological chatter, both Johnson and Brown seemed to give in.

?Okay. I?m done. All I got from that exchange with Chris Brown is that he wants to s*** and fart on me,? Johnson wrote, later adding, ?I have zero respect for a person who seems unapologetic for the terrible crime he committed and shows no signs of changing.?

Before shutting down his Twitter account, Brown told his fans, ?To teambreezy? Know that I?m not upset. Just felt like entertaining the ignorance. These b*****s crazy.. Further proved my point of how immature society is. #CarpeDiem. Catch me in traffic??

Since the Twitter spat, Johnson has reported receiving threatening messages.

?It?s alarming how many death threats I?m receiving via replies,? she tweeted Monday. ?I encourage everyone, including Twitter to look through them. Not cool.?

Brown, meanwhile, had encouraged Johnson to ?Just ask Rihanna if she mad??????,? which wouldn?t appear to be the case. The pair, who announced their renewed friendship in October and have collaborated together on a song for Rihanna?s new album, ?Unapologetic,? were reportedly spotted in Berlin over the Thanksgiving holiday.
? ?

By Breeanna Hare

CNN
?? & ? 2012 Cable News Network, Inc., a Time Warner Company. All rights reserved.
?

Source: http://fox2now.com/2012/11/26/heres-why-chris-browns-twitter-account-no-longer-exists/

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Thousands protest in Bangladesh, blaze draws U.S. scrutiny

DHAKA/CHICAGO (Reuters) - Thousands of angry textile workers demonstrated in the outskirts of Dhaka on Monday after a fire swept through a garment workshop at the weekend, killing more than 100 people in Bangladesh's worst-ever factory blaze.

The fire has put a spotlight on global retailers that source clothes from Bangladesh, where the cost of labor is low - as little as $37 a month for some workers - and rights groups have called on big-brand firms to sign up to a fire safety program.

Wal-Mart Stores Inc, the world's largest retailer, said one of its suppliers subcontracted work to the factory without authorization and would no longer be used. A number of other retailers like Gap Inc and Nike Inc rushed to deny any relationship with the workshop.

Demanding that those responsible for the disaster be punished, workers from Tazreen Fashions and residents blocked roads and forced the closure of other factories in the industrial suburb of Ashulia, where the huge fire started.

"I haven't been able to find my mother," said one worker, who gave her name as Shahida. "I demand justice, I demand that the owner be arrested."

Police and officials said narrow exits in the nine-storey building trapped workers inside, killing 111 people and injuring more than 150.

"This disastrous fire incident was a result of continuing neglect of workers' safety and their welfare," said Amirul Haque Amin, president of Bangladesh's National Garment Workers Federation.

"Whenever a fire or accident occurs, the government sets up an investigation and the authorities - including factory owners - pay out some money and hold out assurances to improve safety standards and working conditions. But they never do it."

PRESSURE ON GLOBAL FIRMS

Working conditions at Bangladeshi factories are notoriously poor, with little enforcement of safety laws. Overcrowding and locked fire doors are common. More than 300 factories near the capital shut for almost a week this year as workers demanded higher wages and better conditions.

At least 500 people have died in clothing factory accidents in Bangladesh since 2006, according to fire brigade officials.

Bangladesh has about 4,500 garment factories and is the world's biggest exporter of clothing after China, with garments making up 80 percent of its $24 billion annual exports.

Wal-Mart initially said it was not sure if it used the factory or not. The retailer later said that while Tazreen Fashions was no longer one of its authorized vendors, a supplier - which the company would not name - subcontracted there anyway.

"The fact that this occurred is extremely troubling to us, and we will continue to work across the apparel industry to improve fire safety education and training in Bangladesh," the company said in a statement.

The International Labour Rights Forum said U.S.-based PVH Corp, whose brands include Calvin Klein, entered into an agreement earlier this year to develop a fire safety program in Bangladesh, but others have not signed up. Retailer Gap said last month it would launch its own safety program after industry peers took too long to negotiate a common set of standards.

"We hope the tragic fire at Tazreen will serve as an urgent call to action for all major brands that rely on Bangladesh's low wages to make a profit," ILRF Executive Director Judy Gearhart said in a statement on Sunday.

Hong Kong-listed Li & Fung said in a statement it had placed orders for garments from Tazreen Fashions that were being manufactured on the premises where the fire broke out.

It said it would provide relief to victims' families, and carry out its own investigation into what caused the blaze.

The European spokesman for retailer C&A said Tazreen Fashions was due to deliver 220,000 sweatshirts for its Brazilian stores over the coming three months.

He said an independent company normally audits companies and factories for standards and working conditions before C&A enters into a business relationship with them, but the audit of Tazreen Fashions had not yet been carried out.

CONSUMERS UNMOVED

One expert on labor relations said it was highly unlikely consumers would be moved to stop shopping at Wal-Mart just because of the association with the burned workshop.

"Most people are just looking for a bargain and they don't have the time or the inclination to find out who's making them and should we buy this stuff or not," said James Gross, a professor of labor in the school of industrial and labor relations at Cornell University in New York.

The fire has drawn fresh attention in the United States to working conditions overseas, but it is also not the first time that American shoppers have been confronted with uncomfortable realities about how their consumer goods are made.

Whether the news was about worker suicides at the Foxconn plants in China making Apple Inc's iPhones, allegations that Nike used child labor in Indonesia or claims of endemic rape at border factories in Mexico, little has disturbed American shoppers in their search for value.

"(We) know that the consumer sentiment in these markets is not to pay higher prices, so the companies that import are also looking for ways to cut costs, since it is a relationship," said Munir Mashooqullah, founder of New York-based sourcing company Synergies Worldwide.

"If consumers are not willing to pay higher prices, the companies are not willing to pay more in manufacturing," said Mashooqullah, who works with various Western retailers and manufacturers in Bangladesh, Pakistan and India.

Few remember today, for example, the 1993 fire in Thailand that killed 188 people, mostly young rural women seeking a better life, manufacturing toys for top American brands.

An International Labour Organization case study on the fire found that the factory had not been properly fireproofed and that workers in general received inadequate protection.

That fire took the place in the record books of the Triangle Shirtwaist disaster, the 1911 New York conflagration that killed 146 people and led to changes in labor conditions in the American workplace.

(Reporting by Serajul Quadir and Anis Ahmed in Bangalore and Nivedita Bhattacharjee and Jessica Wohl in Chicago; Additional reporting by Jonathan Gould in Frankfurt and Dominique Vidalon in Paris; Writing by John Chalmers and Ben Berkowitz; Editing by Sophie Hares, Gary Hill)

Source: http://news.yahoo.com/thousands-protest-bangladesh-blaze-draws-u-scrutiny-192601498--finance.html

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Super Food Packed Raw Vegan Carrot Cake Recipe ? cadesertvoice

Recipe from Raw for Beauty

Okay, you can see where my mind is. I?m still in holiday dessert mode and I?ve got it bad. Good bad. Actually, good. Because this recipe is made with all healthy ingredients. No flour, white sugar or refined salt! The carrot pulp and softened dates will give this delicious cake the moisture it needs. Enjoy!

Carrot Cake

*Recipe By : Crystal Bruneau Hacienda Del Sol Retreat Center? ? Makes 10 ? 12 servings

2 cups almonds
1/12 cups pitted soft dates
2 cups raisins
4 cups carrot pulp
1 tablespoon cinnamon
1 ? tablespoons fresh ground nutmeg
1 teaspoon cardamom
1 tablespoon lemon zest
1 tablespoon orange zest
pinch sea salt
? cup chopped walnuts (optional)

Lemon Frosting

1 ? cups whole raw cashews
1 cup agave nectar
1 tablespoon maca (one of the top super foods)
1 cup dried coconut
1 cup orange juice
1 tablespoon lemon juice
1 tablespoon lemon Zest
1 tablespoon vanilla

Making This super food packed Vegan Carrot Cake

?

To make the cake batter:

Soak the raisins and the dates, in separate bowls each in 1 ? cup water for 5-10 minutes to soften. Drain the soak water and set aside.

?
Using a juicer, juice about 20 carrots in order to acquire the 4 cups of carrot pulp needed and drink the carrot juice. ?

?
In the Vita-Mix Blender, grind the almonds into a fine mill. Add the dates and one cup of the raisins and grind until you have a smooth paste.

?

In a large bowl, mix with the carrot pulp, vanilla, cinnamon, nutmeg, cardamom, lemon zest, orange zest, sea salt and walnuts, and the remaining one-cup of raisins.

?
To make the frosting:

Soak the cashews in 2 cups fresh water for 30 minutes. Drain and rinse.

?
In a food processor or a vita-mix blender, grind the dried coconut into a powder and set aside.

?

Blend the cashews, agave nectar?and ? cup of the dates soaked in water, orange juice, lemon juice, lemon zest, and vanilla until smooth. Add a touch more of the dates soaked in water if necessary to aid in blending. Add powdered coconut and blend well. It may be necessary to help the blending along by scraping the sides of the blender with a rubber spatula and continue to blend. Allow to stand in the refrigerator if necessary to thicken.

?
Put the Super Food Vegan Carrot Cake Recipe Together

?
To layer the cake:

Split the cake batter in half. Line a serving platter with plastic wrap or waxed paper. Press half of the dough into an even circle. Slip pressed dough on plastic wrap or waxed paper off the platter. Press the remaining dough directly on the platter into an even circle for the bottom layer spread just less than half of the frosting on the bottom layer leaving a 1-inch border. Delicately flip over the layer on the plastic wrap or waxed paper onto the frosted layer. Re-shape any mishaps and smooth the sides. Spoon the remaining frosting on top of the cake and spread evenly over the top and sides.

?
If you wish, this cake can be prepared into one layer. Press the cake dough into an even circle on a serving platter, and frost evenly.

?
For best results, allow chilling and setting in the fridge for one hour or more.

?

Stencils can be used to create designs. Cut starts, hearts, and spirals out of cardboard and lay on the cake before sifting, or sprinkle with ground almonds and cinnamon.

. . . . . . . . . .

Source: http://cadesertvoice.wordpress.com/2012/11/25/super-food-packed-raw-vegan-carrot-cake-recipe-%E2%99%A5/

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Monday, November 26, 2012

Symbiosis Dual Degree Program in International Business ...

The Symbiosis Institute of International Business, located in Pune is an initiative under the name of the prestigious Symbiosis institutes that caters to the rising demand of global managers in the current economic scenario. Offering state-of-the-art infrastructure and strong academic foundations, S ?

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Symbiosis Dual Degree Program in International Business

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Source: http://www.bibliotropic.com/symbiosis-dual-degree-program-in-international-business/

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Rotherham: Truth and Politics ? The Not So Big Society

The only time I read my local paper is at the?Indian?takeaway. Whilst waiting for my korahi chicken yesterday evening, I disinterestedly flicked?through the familiar mix of parking problems, noisy neighbours and oversubscribed schools. I nearly skipped the article buried on page 11 about a man who died after an error from his GP, because I was pondering whether to order a popadom. Then I stopped and read it: it was my GP.

Our doctor is kind, caring and hard-working. He treats people as individuals and always makes time for them. On this occasion, the surgery computer system did not indicate that the prescriptions for the drugs his elderly patient required for a heart condition had stopped after the man was released from hospital. Several months on, he relapsed and sadly died. The coroner praised the doctor for his honesty. I can?t recall the actual verdict but the death could have been prevented.

Today?s Daily Telegraph didn?t lead with an avoidable death or for that matter any death. The case of foster carers who allegedly had children in their care removed from them because they were UKIP members has run on all media. It?s been top of 5Live news all day, for example. You would expect Nigel Farage to have an opinion but Michael Gove has swiftly weighed in too. As I write, Milliband is being quoted. Cue outrage at social work.

If UKIP membership is the only reason why these children were moved, I don?t agree with it. They should have stayed where they were. The council said on the news this morning that the children were going to move on anyway. This may be the case. However, the original Telegraph report says the boy was moved the?following?day and his two sisters soon after. If this is accurate, it does not sound like a planned move to me.

I qualify my remarks with ?if accurate? for a couple of reasons. Firstly, the report does not appear to have any corroboration from other sources. They may exist but it?s based heavily on the carers? account. I thought journalists cross-checked, especially on a headline story, but this is different.

Secondly, it doesn?t chime with my?experiences?over the years. Judgments?about the?capabilities of??carers are never made on the basis of a single piece of information, unless of course it relates to a child protection matter or allegation, in which case prompt action must be taken to safeguard the child.

In this case, you would like to think that other evidence would have been considered, such as the history of the carers over their fostering career, the progress of the children in placement, any evidence that the actual behaviour of the carers had negatively impacted on the children (as ?distinct from their membership of a political party) and the wishes and feelings of the children. Bear in mind that the Fostering Standards prohibit changes in children?s careplans without consultation unless there is a real and immediate need.?If the local authority has other information, they could not possibly break confidentiality and share it?publicly,?which offers no protection to the storm of media outrage.

Some of the criticism is misinformed. Farage was calling for the immediate reinstatement of the carers but they are still?approved?carers, it?s just this placement that has ended. Also, he might think about considering the children?s needs first, which is the law after all.

However, what is most significant is why this is a story at all. My doctor will carry on practising, as he should. The competence of the medical profession has not been called into question because a man died. Yet in the case of the Rotherham foster carers, the ability of the entire social work profession has immediately become the issue. This is all the corroboration the Telegraph needed. We know social workers do this sort of thing, don?t we. Leaving aside the fact that as I have already suggested, any judgement is based on incomplete evidence, this is not about the actions of individual social workers or even the authority itself, it?s about how lousy our profession?supposedly?is in making these?judgement.

The?implication?clearly is that social workers make snap judgments based on dogma and preconceived ideas. More than this, we are driven by political ideology. In much of the coverage, this deeply flawed and?prejudiced?perspective has not been significantly questioned. This must be the case ? what other reason could there be? It shows how little the public still understand about what we do.

This may have been a carefully considered decision or something that was rushed. It could have been a?wrong?decision. If so, hold up our hands, but it does not prove one single thing about how social work as a whole assesses the needs of children.

You would think the minister, our minister, might at the very least inject a sense of perspective. Not so. ?The wrong decision in the wrong way for the wrong reasons,? he said. I humbly suggest he cannot know that for certain. But there are bigger issues at play here and it suits him to use the?profession?for which he is?responsible for other reasons.

Rotherham is holding a by-election. It?s Labour-held, therefore this decision is the responsibility of the Labour authority even though it would have been made by social workers, i.e. officials not politicians. The assumption that this is a political issue has not been called into question. No coincidence.

Also, the consultation period for government proposals to diminish the?significance?of culture and origin in decisions about adoption placements is coming to an end. This has been well-trailed over the past year ? see some of my previous articles ? as a way of removing what the government?characterise?as impediments to swifter adoption. It?s an important proposal that has?considerable?opposition as well as its proponents. Whichever position you take, it?s disturbing that a matter about the health and well-being of three little children and public confidence in social work becomes a chance for?political?points-scoring. ?We might look back at this episode in future and ask if anyone truly cares.

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Source: http://notsobigsociety.wordpress.com/2012/11/24/rotherham-truth-and-politics/

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Sunday, November 25, 2012

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Source: http://www.womenfavor.com/cosmetics-product-catalog/anthelios-40-sunscreen-cream-sensitive-skin.html

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