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Emory University have done it again... "Progesterone Inhibits Growth of Neuroblastoma Cancer Cells"

by Wray

Emory were the first to give us the extraordinary news that progesterone in amounts exceeding 1200mg/day, would help Traumatic Brain Injury.

During this research, they found that progesterone caused significant cell death in brain tumours. Following on from this discovery they tested the progesterone against neuroblastoma.

This brain tumour is the most common cancer amongst children under a year. Accounting for about 28% of all cancers diagnosed in European and U.S. infants.

The paper goes on to say....."High natural P4 levels during pregnancy are associated with a lower incidence of maternal breast cancer and also appear to exert a long-term protective effect against breast cancer. The antiproliferative and apoptotic effects of P4 have been reported for breast, endometrial, ovarian, colon and salivary gland tumors in vitro and in vivo. Taken together, these facts suggest ways in which natural P4 might function as a chemotherapeutic agent against neurogenic tumors such as neuroblastoma."

They further state that.... "Our findings can be taken to suggest some P4 specificity in inducing the death of tumor cells. Thus, the hormone apparently can differentiate between normal healthy cells and tumor cells and specifically induces cell death in neuroblastoma while remaining nontoxic or protective for normal cells...... We selected the high P4 doses on the basis of our in vitro data and our previous reports that P4 is neuroprotective at lower doses (8 and 16 mg/kg) against traumatic brain injury and stroke.

They also found low amounts of progesterone encouraged tumour growth.......
"In a comparative study, Wiehle et al. tested RU486, P4 and CDB-4124 (nor-progestin) against mammary tumors in vivo and observed that P4 treatment at 10 mg/kg for 28 days increased the size and number of tumors in female rats. We speculate that P4’s tumor-promoting effect in the Wiehle et al. study could be because of the lower dose used compared with the present study, demonstrating a hormetic effect of the hormone. In our study, tumor suppression required 5–10× the dose in the experiments performed by Wiehle et al., further suggesting that P4 has a bimodal effect."

This has been my argument all through the sixteen years I've been doing this work. Too low an amount of progesterone will stimulate oestrogen and cause all manner of adverse symptoms.

I often mention the MMPs, usually in reference to heavy, continual bleeding. Although they are necessary for tissue remodelling, in excess they cause a continual break down of tissue. They are also implicated in arthritis and cancer. Oestrogen stimulates their production, which would encourage any tumour to grow.

The study found a significant decrease in the expression of MMP-2 and MMP-9.

Too many women are told to stop progesterone by their doctors because it will cause cancer, cause clots, cause depression etc etc.

Another myth propagated by those in the medical profession who know nothing about progesterone, is it's pointless if a woman doesn't have a uterus. Nothing could be further from the truth. As the study says....
"Because P4 is a pleiotropic agent with a variety of molecular mechanisms, it is likely that multiple gene or receptor-specific mechanisms are involved in its antitumor action against neuroblastoma. In support of the notion that P4 is pleiotropic, a recent microarray study reported that high doses of P4 applied to endometrial tumor cells affected the expression of 247 genes, including many involved in the control of the cell cycle, proliferation, differentiation and the immune inflammatory response.....P4 has previously been reported to inhibit proliferation and induce apoptosis in a variety of tumor cell lines other than neuroblastoma....It appears that P4 has potent antiproliferative and proapoptotic effects in neuroblastoma.....We observed that P4 alone at a very low concentration (0.01 μmol/L) showed an increase in cell proliferation."

The study concludes......
"Although much more research is needed before going to clinical trial, we should consider whether P4 could be used alone or in conjunction with reduced levels of radiation, surgery or chemotherapy to improve patient survival and functional outcome."

I hope this study will reassure people of the safety of progesterone. The levels used, 50-100mg/kg, which is 2500mg to 5000mg/day for a person weighing 50kg (110lbs) are remarkably high.

No toxicity was observed at all. Only the tumour was affected, the healthy cells were untouched.

Emory University, Woodruff Health Sciences Jul. 13, 2011
Progesterone Inhibits Growth of Neuroblastoma Cancer Cells

MOL MED 17(9-10)1084-1094, SEPTEMBER-OCTOBER 2011
Progesterone Inhibits the Growth of Human Neuroblastoma: In Vitro and In Vivo Evidence

Comments for Emory University have done it again... "Progesterone Inhibits Growth of Neuroblastoma Cancer Cells"

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Dec 13, 2012
Low dose
by: Penny

Hi Wray does this mean that people on lower dose are at risk of tumors or cancer?
I take a 1/4 teaspoon twice a day for the last 14 days of my cycle and this has been wonderful but is this too low?

Dec 17, 2012
Low dose
by: Wray

Hi Penny No it doesn't mean they are at risk, unless they already have cancer. Then I would certainly advise a much higher amount. As with any oestrogen positive symptom, the idea is to suppress the excess with progesterone and keep it down. And of course take vitamin D, as that's been shown to reduce the risk. Glad the 80mg/day is helping you, I still find I need more! Take care Wray

Apr 05, 2013
Appropriate dosage?
by: Margaret

Hello Wray,
Thank you for all the wonderful information on this website. Please could you give me some advice about the appropriate dosage of natural progesterone if you do already have breast cancer? I have early breast cancer and my doctor agreed to me using progesterone cream but he isn't very familiar with it. Another practitioner suggested a small amount, approx 1/8 teaspoon twice a day, but I felt I needed more and am currently using just over 1/2 teaspoon (3ml) twice per day of natpro,so about 200mg per day, to help with the migraines I was continuing to get (around the time of my period) that I have had for many years; I am 45.I started in January and the cream has helped so much already, I think I must have had a progesterone deficiency for most of my adult life as I feel so much better now than I have for years, even though I have the early breast cancer! My mood, energy, sense of well-being.. However, this article and your comments suggest I should use a much higher amount of progesterone. I currently have some breast tenderness, so perhaps some estrogen dominance, which could be a worry given my diagnosis. Up to about 1/4 teaspoon twice daily I didn't seem to have any estrogen dominance symptoms. I am happy to increase the progesterone to a much higher level (or should I reduce it back down to say 1/4 teaspoon twice daily?) but am wondering how much and how best to administer it, as 2000mg per day would be a whole tube of cream daily, which probably isn't practical? Is there another form of administering it at very high levels? You mention elsewhere that Dr Dalton used very high amounts with her patients and I am wondering what she used. Any information would be appreciated, or if you could point me in the direction of another specialist who could help. I have a friend who has just been diagnosed with a neuroblastoma form of cancer so it would be very relevant to her too. Many thanks indeed, Margaret

Apr 06, 2013
Appropriate dosage?
by: Wray

Hi Margaret Bless you for the kind words. I'm delighted it's helped you, looking back I know I had a deficiency, and definitely excess oestrogen. I have my own views of course on the amount to use, but the studies on Cancer and progesterone don't give any. Apart from the Emory study. I've just looked through a few of them and although encouraging I found no amount. I only have the abstracts of course, but the full paper which one has to buy, would undoubtedly give it. It's amazing to hear your doctor approving your use of progesterone, would he perhaps be prepared to read the studies and possibly correspond with the authors to find out more? The studies on the cancer page do explain how progesterone helps. For instance it inhibits the production of aromatase. This enzyme converts testosterone into oestrogen, it does so in men too. Women make more testosterone each month than oestrogen, but luckily most of it is converted in us. But it appears testosterone is also implicated in cancer too, in fact it possibly has a more profound affect on us, see here, here, here and here. Progesterone also inhibits testosterone, as it increases levels of SHBG (sex hormone binding globulin), see here. If bound to SHBG testosterone becomes inactive. Progesterone inhibits inflammatory cytokines which are highly expressed in cancer. 2000mg/day would be a whole tube of cream, we have one woman using this much, she applies it hourly. Not for cancer but for her mood. We have a few using 1000mg/day too, see here and here. Dr Dalton would initially give an injection, apparently painful, followed by 6 x 400mg/day suppositories. This was for her patients with post natal psychosis. The injections are only 50mg, so not an option to my mind, which leaves the suppositories. We have more info on our Delivery systems page. What I find fascinating about neuroblastoma is it's incidence in children under 2 years old. Nearly half of all cases. This immediately makes me suspect lack of vitamin D in the child, which would also mean a lack while a foetus. Continued below

Apr 06, 2013
Appropriate dosage? Part 2
by: Wray

Hi Margaret I would also suspect a low taurine level too. This is vital for the development of the foetus and while breast feeding. It's an essential amino acid in newborns, as they have the inability to convert it from cysteine. Unfortunately this is a little known fact. Taurine does have some influence on cancer, see here here, here and here. Although all the studies are on adults, levels should be checked for infants too. Neuroblastoma is one of the few tumours which spontaneously regress. I do have a page on alternate cancer therapies I've collected over the years. Only the ones which made sense to me, and not the way out claims on some substances or treatments. It's not on our website, but I'll paste a few relevant facts here.
The most important thing is make sure you have sufficient vitamin D. Low vitamin D levels encourage cancer cells to grow. It's the most anti-proliferating nutrient there is. I would get my level to 150ng/ml, it's currently 92ng/ml.
The second most important thing is to avoid sugar, all forms, including artificial sweeteners. Avoid all sweet, starchy carbohydrates, i.e. all grains, fruit and root vegetables. These convert to glucose, and cancer feeds off glucose.
Ketogenic diets have been found to reverse some cancers by starving the cancer cells of glucose, see here and here.
The third most important thing to avoid is excess adrenaline (epinephrine). Adrenaline keeps cancer cells alive, see here and here So avoid all caffeinated drinks and stress. Difficult to avoid stress, especially when told you have cancer, but it is possible to prevent a rise in adrenaline. Progesterone and the amino acids GABA, taurine and glycine play a vital role in this as they calm us. A sharp drop in blood sugar causes a concomitant rise in adrenaline, avoid eating any sugary things. A high fat (MCT oil), medium protein diet will stabilise blood sugar. Antioxidants are vital too, plenty of raw green juices will supply these. Continued below

Apr 06, 2013
Appropriate dosage? Part 3
by: Wray

Hi Margaret The fourth most important thing is to consider using progesterone. It's neuroprotective, it prevents lipid peroxidation and confers vascular protection. As an anti-inflammatory agent, progesterone has been shown to reduce the response of natural killer cells as well as other known initiators of inflammation. Progesterone activates p53, the guardian of the genome. Both progesterone and vitamin D regulate gene expression, have a positive fundamental effect on cell differentiation and growth, with anti-oxidative and autoimmune anti-inflammatory mechanisms. Both positively effect the nervous system by stimulating neurotrophic factors, quenching oxidative hyperactivity and regulating autoimmune responses. I wouldn't hesitate to use 2000mg/day if I had active cancer, then reduce slowly once it had gone. Cost is always a factor of course. Upregulated dopaminergic activity is known to reduce the risk of cancer. One paper saying 'Evidence for the impact of upregulated dopamine on tumour prevention includes...the virtual suppression of all cancers during pregnancy (when dopamine synthesis increases)', see, here. Progesterone increases during pregnancy too, but progesterone also increases dopaminergic activity and neurons, see here.
Avoid all oestrogens, now found in our food, air, water and most of our skin care products. If possible eat only organic food and filtered water, see here and here.
The fifth most important thing is to check glutathione levels. A powerful antioxidant, a deficiency is found in cancer and many other diseases. Selenium, zinc and cysteine deficiency result in reduced levels of glutathione. Readily destroyed in the gut if taken orally, it’s best to take the precursor amino acids, N-acetyl cysteine (NAC), glutamine and glycine. The rate limiting factor in glutathione synthesis is cysteine, which is also a powerful antioxidant. A prominent doctor calls cysteine the best kept anti-cancer secret.
Another means of reducing stress and anxiety, or emotional issues, is EFT. Very easy to use, and remarkable in it's effectiveness, see here. Take care Wray

Apr 19, 2013
by: Margaret

Hi Wray, I just wanted to say a big thank you for your very detailed and helpful reply. I've been looking into all the suggestions and will let you know how I get on. It's fantastic that you take so much trouble to answer all these queries on your website, thank you so much. Best wishes, Margaret

Apr 19, 2013
by: Wray

Hi Margaret Bless you for the kind words! It's so essential for me to give a full answer, with studies too. People need to have all the facts before they can make an informed decision. Too many of us are left in the dark, too many feel so alone in their journey. Let me know how you get on. Take care Wray

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Senators Call for Reinstatement of Glass-Steagall Act

Source: WSJ

Posted on 17 Dec 2009

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Senators Maria Cantwell (D., Wash.) and John McCain (R., Ariz.) plan legislation to reinstate the Glass-Steagall Act of 1933, which separated walls between investment and commercial banking.

There’s no indication that the bill might eventually become law, but after comments made Tuesday by House Majority Leader Steny Hoyer (D., Md.), in which he said such a proposal might get a look in the House. That’s enough to drive bankers bonkers.

The walls put up by Glass-Steagall were mostly stripped away by the Gramm-Leach-Bliley Act of 1999. The House passed a bill last week that would penalize large banks through fees, capital requirements, and potential limits on business. The bill didn’t reinstate Glass-Steagall, but it did give regulators the power, on a case-by-base basis, to separate banking and commerce operations at specific banks if certain concerns arose.

Many have cited the repeal of Glass-Steagall as key element in exacerbating the financial crisis. Federal Reserve Chairman Ben Bernanke has called that view into question. “I don’t think that if that law had been in place it would have had much effect on this particular crisis,” he said in an interview with Time magazine published today. “Investment banks manage to go bankrupt through their investment-banking activities, commercial banks manage to go bankrupt through their commercial-banking activities. It wasn’t really the case that the combination was the major problem.”

Sens. Cantwell and McCain are calling their bill the “Banking Integrity Act of 2009.”

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Was Syrian “Regime Change” Planned in 1957? (Video)

As I have been hearing the war drums beating louder and louder for the invasion of Syria, albeit the President’s resistance, I remembered a Guardian article, I have read years ago.

According to the article, published in the Guardian newspaper on September 27, 2003, America’s CIA and Britain’s MI6 security forces made plans to overthrow the Syrian government in 1957 and assassinate three of its key leaders, because the country was increasingly orientating towards Moscow and threatening the West’s oil supplies.

Matthew Jones, a specialist in international history at Royal Holloway, University of London, discovered the plans in the private papers of the –then- Defense Secretary for the Conservative Prime Minister of the United Kingdom, Harold Macmillan. Apparently, the Secretary Duncan Sandys was keeping notes of the meeting that took place in Washington in September, 1957, between the British PM Harold Macmillan and the US President Dwight Eisenhower.

Article reports that the document, approved by London and Washington, named three men as targets: Abd al-Hamid Sarraj, head of Syrian military intelligence; Afif al-Bizri, chief of the Syrian general staff; and Khalid Bakdash, leader of the Syrian Communist party.

Few months before the meeting, in March 1957, the US Congress passed the “Eisenhower Doctrine,” which named “international communism” as the greatest threat to the region and promised financial help to any country that tried to resist it. It authorized the president to send US troops to any Middle East country that need help against “communist aggression.”

What is now called “War on Terror” was called “Communism” at the time.

Although Syria itself had little oil, it had control of one of the main oil arteries of the Middle East, the pipeline which connected Iraq’s oilfields to Turkey.

Part of the “preferred plan” said: “Once a political decision is reached to proceed with internal disturbances in Syria, CIA is prepared, and SIS [MI6] will attempt, to mount minor sabotage and coup de main incidents within Syria, working through contacts with individuals.”

The plan also called for funding of a “Free Syria Committee”, and the arming of “political factions with paramilitary or other actionist capabilities” within Syria. The CIA and MI6 would instigate internal uprisings and stir up the Muslim Brotherhood in Damascus.

The article concludes that the plan was never used, chiefly because Syria’s Arab neighbors could not be persuaded to take action and an invasion from or through Turkey alone was thought to be unacceptable.

The video attached to this article is from Democracy Now and dated March 2, 2007. It is an interview conducted by Amy Goodman with U.S. General Wesley Clark (Ret.) explaining that the Bush Administration planned to take out 7 countries in 5 years: Iraq, Syria, Lebanon, Libya, Somalia, Sudan, Iran.

Image Credit:, Caption: British Prime Minister Harold Macmillan and US President Dwight Eisenhower, Bermuda, Mar 1957

Emine Dilek (194 Posts)

Publisher/Managing Editor: Progressive Press. Contributing Editor: WVoN-Women's Views on News. Columnist: Palm Beach Woman Magazine. Former executive producer and radio host: WVR -Women's Voice Radio, Human Rights/Peace Activist, Aspiring Author/ Journalist/ Poet/ Blogger. Emine also appears as a revolving guest on PNN radio show -international political analyst-, and had been a guest on Liberal Fix and Brian Hammer Jackson Show. Her articles have been published in various publications such as The Vibe UK, The New Agenda, W.E.A Women @ Work, Amazing Women Rock and ICAHK.


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Medicine in Mongolia by Krishna Chauhan

Me and Other Volunteers at Lunch

've always wanted to go into medicine but applicants to medical schools seem to have the same experience and I wanted something that gave me the edge over the competition. I did the usual voluntary work but I couldn't shadow doctors in hospitals in the UK nor see surgery as you had to be 18. The High School Specials medicine project in Mongolia, however, seemed to link two things into one trip, to experience medicine firsthand and gain knowledge of a culture that can only been seen on TV.

At first I was apprehensive about going all the way to Mongolia and whether or not I could handle it going so far alone which is why I chose to do the High School Specials. It was enough time to gain experience along with an insight into the Mongol culture. I must say it was the best time of my life. I met so many different volunteers from all around the world and different ages, not forgetting a crash course into medicine!

Me Outside the Ger

The first day at the hospital I remember seeing surgery literally a few feet in front of me! That was so good to see and I never would have at this age in the UK! Also I learnt a lot about how western medicine differs from the east as Mongolia is deprived, it did show in the equipment and rooms at the hospital. Nevertheless the supervising doctors gave us an insight into the life of a medic by allowing us to see a live birth where I got to hold a newborn baby!

In-between the daily visits to the hospitals we also had a trips and one was to the countryside outside the city where we stayed overnight in a Ger. With all the volunteers huddled up in a Ger, riding the wild horses and eating traditional Mongol foods it was a time for us to get to know each other and experience a night as a nomad. Even though it was a cold leaky Ger and having an hours worth of sleep it seemed to be worth it waking up to a peaceful atmosphere in the mountains.

Our Camel Ride

From mountain climbing, to camel riding to seeing a woman give birth, my trip to Mongolia changed my outlook in life and only in a short period of 2 weeks!

I learnt how to communicate with my Mongolian family via hand gestures and yes at times I had to make the stupidest noises for them to at least guess what I'm near to saying. I took my family to a club with some volunteers which was err...interesting to see. Especially my Mongolian mother dancing to hip-hop!

Also be prepared for the food offerings, the first morning I woke up to a dead ferret like creature to have for breakfast and that was a shock to a jetlagged vegetarian like me!

This experience was short and sweet and I had good support from the Projects Abroad staff there so I didn't feel as though I was in the middle of nowhere. Going alone? Don't be anxious, I would recommend it as you get the chance to meet people from a broad-spectrum who are all in the same position as you. I can now say I've been to Outer Mongolia!

Krishna Chauhan

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Road rash: Why personal auto is a bit of a wreck

As technology continues to transform this line, insurers struggle with loss trends

For those in the insurance industry and those who observe it, the reasons behind the poor results for personal auto in recent years are no mystery: more cars on the road driving more miles, higher medical costs, higher repair costs for newer vehicles and — while difficult to estimate its precise effect — distracted driving.

The degree of impact these factors have had on frequency and severity trends, however, has perhaps caught many insurers off guard. Jim Lynch, chief actuary and vice president of research and information services at the New York City-based Insurance Information Institute, says the industry enjoyed a long period of low claims frequency and mild severity. As the U.S. emerged from the Great Recession, claims frequency began to increase. Insurers reacted by raising rates, but then, more recently, severity spiked.

Frequency & severity punches

As Lynch puts it, the industry was “hit from the left” on frequency, began to recover, but then hit with a “big roundhouse from the right” with severity.

The increase in frequency stems mostly from people returning to work in the (albeit slow) economic recovery. Lynch notes about 40 percent of miles driven occur during daily commutes, with many accidents occurring during rush hour. During the recession, as people lost jobs, fewer cars were on the road — a trend that's reversed in recent years. Lower gas prices have also encouraged drivers to hit the road more often. The result: frequency increased by more than 7 percent in the three years from 2013 to 2015, according to an October 2016 Insurance Information Institute (I.I.I.) white paper, “Personal Automobile Insurance: More Accidents, Larger Claims Drive Costs Higher.”

Lynch and others note the rise in frequency has moderated since 2015, but even if insurers could take some solace in that, the more recent uptick in severity causes concerns of its own. Tyler Asher, president of Safeco Insurance, says severity for the industry is up by about 5 percent annually over the past two years. He cites a jump in fatalities (the I.I.I. white paper notes an 8 percent rise in fatalities in 2015), higher medical costs and costlier vehicle repairs as reasons.

Repair costs

On that last factor, Liberty Mutual, in its Q4 results presentation, compared repair costs for minor front-end damage on the same make and model 2014 and 2016 entry-level sedan. The 2014 model cost $1,846 to repair, while the 2016 model cost nearly twice as much at $3,551.

Tracy Dolin-Benguigui, director at S&P Global Ratings, discussing the Liberty Mutual comparison, says the issue isn't just the higher costs to repair new technology in cars such as sensors and other systems, but also the need for specialized labor as technology becomes more sophisticated.

Of course, all of the new technology is designed to save lives and avoid crashes, which in theory should lower costs for insurers. “Long term, we do believe there are tremendous benefits,” says Asher. But in the near term, he says there are escalated costs associated with new technology in vehicles. Speaking strictly from a claims-cost perspective, he says the tipping point at which savings from safety improvements outweigh the higher cost of technology may be years away.

Continued ...

Less safety, increased severity

Dolin-Benguigui says the new safety features have not necessarily translated into safer driving in the U.S.; she says that could be because drivers may be circumventing these features through distractions and perhaps not paying as close attention to the safety features as they should.

It would be a challenge to find anyone among industry professionals, lobbyists and observers who doesn't believe distracted driving is contributing to the frequency and severity environments — not just from texting and driving but from the increasing number of gadgets in vehicles. As Asher notes, though, it's difficult to estimate the exact cost. But, he adds, “We believe it's on the rise and is adversely impacting trends.”

Neil Alldredge, senior vice president, Corporate Affairs, for the National Association of Mutual Insurance Companies (NAMIC), notes that despite the vast majority of states having some kind of distracted driving law on the books, the problem is increasing. “At the same time,” he adds, “more people are driving more miles, so there are more distracted drivers for longer periods of time on the road.”

The net effect of these frequency and severity trends is a personal auto market that, according to Moody's 2017 personal lines Outlook, hasn't had an accident-year combined ratio under 100 since 2008. It climbed to its highest point over that span in 2015, at 104.5, and is estimated to be 104 in 2016, Moody's Personal Lines Outlook shows. That high combined ratio is not for lack of rate increases, at least when considering the industry as a whole. Moody's, citing SNL Financial data, shows insurers in personal auto have steadily raised rates since 2010, even taking a higher percentage increase than the homeowners line in 2015, when auto rates climbed 5 percent.

2015 results worse than anticipated

When asked why the rate increases up to now have not gotten the industry out in front of the loss trends, Fitch Ratings Managing Director Jim Auden says, “We thought they would have caught up a bit in 2016,” and he adds a few factors worked against insurers. He says somewhat higher cat losses in personal auto this last year may have added about a point to the industry loss ratio. He also says 2015 results turned out worse than anticipated, with some companies reporting adverse development in the line.

Dolin-Benguigui questions whether enough insurers are pushing for the rate increases they need, perhaps fearing that they will lose customers in what remains a highly competitive environment. She points to the popular strategy of bundling auto and homeowners coverages, noting that if an insurer loses a personal auto customer because of higher rates, it may also lose that customer's more profitable homeowners business. The reluctance by these insurers to push for needed increases prolongs the time it takes to get on top of the loss trends. “It could take as long as the next three years,” she adds.

Wide disparity in results

Auden notes there is wide disparity in company results, with some major insurers holding strong with combined ratios under 100, while others stray well above that mark. He says the more successful companies are leveraging technology to stay ahead of competitors on both the claims and underwriting sides of the business.

Some agent representatives question whether those companies’ lower combined ratios can be attributed solely to superior underwriting. In an age where auto insurance is largely perceived to be mostly about price, some agents wonder whether companies’ combined ratios may benefit from the sale of cheaper policies with lower coverage limits, thereby limiting how much those insurers pay out in claims even if the loss event itself is costlier.

Chris Boggs, executive director of the Big I Virtual University at the Independent Insurance Agents and Brokers of America (IIABA), declines to speculate, but notes there is not much difference in premium between a minimum-limits policy and a policy with higher limits. Essentially, insurers sacrifice only a bit of premium by selling policies with lower limits but could potentially save a lot on claim payments.

Lynch points out the industry's combined ratio as a whole is going up, rather than down. For those companies achieving more favorable results, he says one factor could be the markets in which they operate. “If a company is under 100 consistently with the way the market is today, that they’re doing something to create a superior underwriting result,” he says.

Continued ...

Farther on up the road

Meanwhile, conditions are expected to remain challenging for insurers in the near term. Dolin-Benguigui says the market is in a classic hard cycle now, with rate increases of 8 percent to 12 percent expected in 2017. Some insurers — those that have been increasing rates for a while — may have weathered the worst of the storm, she says, but she also notes some of the adverse trends may not be just short-term blips or cyclical in nature. She expects the poor personal auto environment to continue pressuring broader industry results — perhaps pushing the industry's overall combined ratio above 100.

Auden says Fitch likewise sees further rate increases coming in the near term. “We would attest there could be some improvement in 2017 results, but it's from a very poor level in auto.” He says insurers may encounter some regulatory pushback in certain states as they try to take more rate increases. Alldredge says regulators are “more rooted in this mentality that insurers must be doing something wrong, or insurers must be trying to disadvantage their policyholders by raising their rates rather than looking at what is actually driving the rate side of this.”

Getting on top of loss trends

Lynch takes a more optimistic view, saying he believes insurers are getting on top of the loss trends. “They’ll get there,” he says, noting it might be in 2017. “I’d like to think that's when things will calm down on the loss-cost side. When that calms down — when frequency peaks out — you’ll see a much tamer situation.”

If there's one certainty for personal auto, it's that technology will continue to play a major role, both on the insurance side and with respect to the vehicles covered. Additionally, insurers will find new ways to underwrite risks and insure and engage with customers.

With respect to policy innovations, Asher expects telematics-based policies to play a bigger role in the near term, while Dolin-Benguigui says pay-by-mile coverage that incorporates mobile-app technology could gain more traction.

On the distribution side, speed continues to be the name of the game. For independent agents, some experts say comparative raters could help them stay competitive with direct writers and captive agents as far as how quickly they are able to turn around quotes, especially in a landscape where faster and cheaper appear to reign supreme, even if agents wish that was not necessarily the case. “As much as I hate to say it, I think auto insurance has become a commodity,” says Boggs. He stresses, “It is not a commodity, but it has been forced into that hole.”

Use of tech in underwriting

With respect to underwriting, Auden, who cites the use of technology in underwriting as a reason why some insurers have outperformed peers, also sounds a note of caution on over-reliance on such technology. Personal auto, he says, is the most sophisticated line from a pricing perspective — using advanced modeling and comprehensive data. But auto continues to struggle with profitability despite that. “The models aren't the end-all,” he says.

“That's a caution flag for other segments too,” he adds, particularly in longer-tail lines. In workers’ comp, for example, he says there is growing use of predictive modeling. “But if you get claim trends wrong in a longer-tail line, and there's more volatility in that line, you can have bigger swings in performance despite the advanced automation.”

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Christie projector hire – HD8K

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Research in Psychology

Understanding and conducting research is fundamental to understanding psychology. Thus, research experiences are integrated into our curriculum. All psychology majors have the opportunity to apply their classroom knowledge by conducting  their own research projects. Students wanting more research experience are encouraged to work as research assistants on- or off-campus, or conduct their own independent study projects.

In addition, many of our faculty members maintain active research laboratories. With students, our faculty are exploring questions involving non-suicidal self-injury, the development of pretend play, prejudice and discrimination, psychology and the law,  how we process text information, and how we make health decisions.

Students Lauren Cramer '17 (pictured), Alexandra Cummings '16, and Patricia McCarthy '16 presented their research at the 2016 meeting of the Eastern Psychological Association in New York City.  This research was conducted as part of their Experimental Health Psychology course under the direction of Dr. O'Keeffe.


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Provincetown 400

Provincetown 400 commemorates the first landing of the Pilgrims in 1620 on the shores of what is now Provincetown MA, honors the native peoples already living here, and embraces the writing and signing of the Mayflower Compact, the beginning of democracy in America.

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Medizone International Expands Board of Directors to Support Executing on the Launch of AsepticSure in Key Global Markets

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New Medizone Board Member, Dwayne Montgomery, will play critical role in the company’s growth plans.

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We continue to build our team with talented commercial leaders to help the organization reach its potential in establishing the AsepticSure system as the new gold standard for disinfection across a wide range of commercial applications.

Medizone International, Inc. (MZEI:OB MZEI:QB) announces the addition of Dwayne Montgomery to the Board of Directors. Medizone makes this move in support of expanding the commercial experience of the team and accelerating the growth of the company’s AsepticSure® hospital disinfection system.

“As Medizone International continues to move forward with our growth plans, it is important that we continue to build our team with talented commercial leaders to help the organization reach its potential in establishing the AsepticSure system as the new gold standard for disinfection across a wide range of commercial applications,” commented David A. Esposito, Chairman of the Board and interim CEO of Medizone International. “As we execute on our global commercial plans for the AsepticSure system, we are pleased to announce that Dwayne Montgomery has joined our Board of Directors to help support our commercial strategy and business development initiatives.”

Mr. Montgomery brings a tremendous amount of global commercial experience as a senior executive in high growth segments of healthcare to his role on the board. His accomplished career spans 25+ years and is documented with deep knowledge and success in medical device and biotech executive management. His commercial expertise is backed with a proven track record of operational performance as well as business development success through mergers and acquisitions with both domestic and international organizations.

Mr. Montgomery has led companies through significant growth periods with varying size, including large, mid-cap, and start-up ventures. Most recently, Mr. Montgomery served as the President and Chief Executive Officer for Osiris Therapeutics, Inc., a market leading company focused on advancing regenerative medicine. He was also a member of Osiris Therapeutics’ Board of Directors. Most notably, Mr. Montgomery orchestrated Osiris Therapeutics’ strategic partnerships with both Arthrex and Stryker, leaders in their respective healthcare segments. Mr. Montgomery graduated with a Bachelor of Science degree in chemistry from the University of North Alabama and attained a Master of Business Administration degree from Belmont University.

Mr. Montgomery commented on joining the Board of Directors, “I am extremely honored to be joining the Board of Directors for Medizone International as we execute on our growth plans. I am impressed with this compelling and disruptive technology as well as its unique value-proposition. The AsepticSure system has the potential to be game-changing technology to address a significant unmet need in the market for more effective disinfection systems for hospitals, long-term care facilities, and a number of applications beyond the healthcare marketplace. I look forward to being a very active member of the Board of Directors to support the team in reaching our full commercial potential.”

About Medizone International, Inc.
Founded initially in 1986 to develop treatments for lipid-enveloped viruses, Medizone International, Inc. shifted focus in 2007 in response to the increased prevalence and awareness of hospital acquired infections. The Company developed the AsepticSure system to combine anti-oxidant gases (O3 and H202) to produce unique free radicals (H2O3 known as trioxidane) with higher anti-oxidant potential than ozone or hydrogen peroxide alone. After securing broad IP protection for the use of trioxidane for both healthcare facility disinfecting systems and bioterrorism applications, the company released its AsepticSure system for use in Canada, and several other global markets. With EPA approval in late 2016, the company is now prepared to expand into the U.S. market. Learn more at

This Press Release may contain certain forward-looking statements that could involve substantial risks and uncertainties, including, but not limited to, the results of ongoing clinical studies, economic conditions, product and technology development, production efficiencies, product demand, competitive products, competitive environment, successful testing and government regulatory issues. Additional risks are identified in the company’s filings made with the Securities and Exchange Commission.

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NewsHedge and METRICLE Launch Twitter Analytics Solution for Quants

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NewsHedge, a Chicago-based financial data technology company, has announced the release of the NewsHedge ALPHA API Twitter Edition, a new systematic trading solution for generating alpha.

NewsHedge, a Chicago-based financial data technology company, has announced the release of the NewsHedge ALPHA API Twitter Edition, a new systematic trading solution for generating alpha.

“Systematic trading used to be all about speed,” said NewsHedge founder and CEO Kevin Evenhouse. “But now it’s all about data—and that means it’s all about Twitter, which is essentially the new newswire. Our latest solution allows users to quickly identify and exploit the reliable, differentiated information being disseminated through Twitter. It solves one of the biggest challenges quantitative financial professionals encounter today: how to harness the power of Twitter.”

NewsHedge, in partnership with METRICLE—a Twitter analytics company—developed a two-part information-discovery process for finding and processing key news events. Unlike other information-discovery platforms, NewsHedge doesn’t rely primarily on natural language processing (NLP) technologies for finding market-moving news on Twitter. Instead, NewsHedge first determines what is market moving by examining an asset’s order book, time and sales, and trading volume for unusual trading behavior commonly brought on by news. When NewsHedge detects an event, METRICLE’s multi-tiered curation techniques are used to process conversational sentiments, tag events, measure trends, and gauge social velocity data.

“Our solution results in a highly predictive, easily consumable data set that allows firms to react to market-moving events in a quick and accurate manner. They can now locate the alpha generating data they need and build sustainable, robust trading models,” said Vishal Goklani, CEO and co-founder of METRICLE. “The technological requirements to digest and decipher Twitter data is extremely high. Our solution delivers the actionable data quantitative firms seek but can’t find because they don’t have the resources, time, and know-how for doing so.”

On an average trading day, NewsHedge monitors over 6,200 individual assets and generates 50 alerts. “Thirty-five of those alerts will be market moving,” said Evenhouse. “As these events break, influential money managers, traders, journalists, public companies, and reputable media firms are sharing timely information on social media—giving us the opportunity to structure and quantify those events for our clients. We’re the only vendor in the industry that combines real-time streaming exchange data with correlated data found on Twitter—allowing our clients to easily harness the enormous amount of data Twitter provides.

About NewsHedge:

NewsHedge was founded in 2012 out of a need for actionable, event-detection technologies. Since then, NewsHedge has grown into a diverse team of experienced finance professionals who have helped some of the most sophisticated electronic trading firms, quant groups, hedge funds, and traders profit from market-moving events. NewsHedge has also invented new methods for distributing financial information—see U.S. Patent No. 9,135,662. To learn more, visit

METRICLE is a financial data analytics company that leverages machine learning, social network analysis, natural language processing, and time series analysis to detect market-moving events in real time. The company's automated technology curates Twitter, SEC filing, major wires, price feeds, blogs, chat rooms, and news outlets, and transforms hundreds of gigabytes of data into actionable alerts. To learn more, visit To request a demo, email info(at)metricle(dot)com.

Contact: Kevin Evenhouse
(312) 532-9833

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Help your agency and the industry by helping a nonprofit

There are a number of benefits to getting the members of your team to pitch in for a good cause.

Some professions are glorified; others are in desperate need of a makeover. It's ironic that we're in an all-about-image business and yet our own industry could use some serious rebranding.

As we all know, PR professionals are often depicted in a negative light. From The Sweet Smell of Success’ Sidney Falco, the unscrupulous press agent who epitomized the very worst of our kind, to the myriad of more recent loud-mouthed, ethically challenged professionals we routinely see in movies and on TV.

The truth is that we as media professionals have a tremendous opportunity to create positive, lasting change. We can transform and save lives through our relationships and expertise. And as an unintended bi-product, in the course of helping those in need, perhaps we can actually start to remake our own collective image.

We all read the stories on our Facebook feeds about kicked puppies and abused children and often feel helpless in the face of so much tragic need in the world. We may sign a petition, re-post on social media, or forward to a couple of friends, but then we get caught up in the day-to-day demands of our clients and click back to our inboxes to return to our own personal grinds. We, too, had been stuck in that cycle for years, until we decided to do something about it.

My partner Jocelyn Kalsmith Minton and I are huge animal lovers, so for the past few years, our agency has offered our PR services to several animal-related nonprofits. We have decided to channel those feelings of despair and helplessness into something constructive.

For example, we recently secured a segment on The CBS Evening News for a wonderful rescue organization that helps the most downtrodden castaways possible, paralyzed cart dogs, and gives them new purpose as service animals. The placement has been transformative for the charity.

The organization, which had been barely surviving on a hand-to-mouth basis, has received tens of thousands of dollars in donations, been asked to attend conferences, invited to apply for grants, and received countless emails pledging support and gratitude. It was CBS News' number one social media hit for the day, and the response continues to be overwhelming.

We’ve had to be creative to compete with the Goliaths of the nonprofit world. So we’ve retooled messaging, provided focus, leveraged our personal relationships with celebrities to use them as spokespeople, and tapped into our network of media contacts to put these amazing charities on the map. Over the years, we’ve secured tremendously impactful placements such as: People, Late Night with Jimmy Fallon, Access Hollywood, and many other hits for these incredible organizations.

Witnessing how these nonprofits have been forever changed has reinvigorated us. Since we started our PR careers, we’ve lived through 9/11, watched colleagues battle illnesses, and lost several special people along the way. When those life-changing moments occur, we often wonder about what we are doing and whether any of it really matters. Well, getting involved in nonprofit work and observing the people who tirelessly and selflessly dedicate their lives to helping others has given us renewed purpose and indescribable gratification.

Inspiring others is contagious—there’s a domino effect. We can use our relationships and skills to create public awareness and perpetuate the spirit of giving back. It’s not just about strategically positioning our clients to affect the bottom line or figuring out how to get them out of crisis situations, it’s also about really making a difference to help children, animals, humans, the environment, etc.

It’s exciting to imagine what could happen if every PR firm or publicist dedicated some time and services to their passion—how much of an impact could we have as an industry? So pick your passion and put your talents to use. It just might remind you of why you got into this business in the first place, and perhaps it will make the world realize that we’re not all Sydney Falcos.

Lisa Feldsher is a partner at Mind Over Media PR

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PS3 Controller Design Not Changing |

controllerAccording to Joystiq:

According to Japanese gaming-mag Famitsu, a Sony exec has denied rumors that a redesigned PS3 controller would be unveiled at this January’s CES in Las Vegas.

This could mean one of two things:

1. It could mean exactly what it says. That a new controller will not be unveiled at the CES. That doesn’t mean that a new controller can’t be unveiled at any other time – just not at CES.

2. No new controller will be shown at CES because there will be no new controller. This would be bad. I’ve complained about the controller before. Not necessarily because of it’s strange looking design or small size, but because there’s no added functionality. Like triggers! Boy, wouldn’t triggers be nice?

I need to make a huge placard that says “Give me triggers!”

Joystiq – PS3 controller design here to stay, according to Sony exec

  1. Brandon

    Triggers? It already has pressure sensing buttons. Adding full blown triggers would just mean that you would have to move a further distance (which, coincidently, is most XBox gamers’ reason for not liking the PS2’s analog sticks.) I’d rather have the faster button action with the shorter range of motion. Besides, would triggers work well since there are two shoulder buttons? Have L1 be a button and L2 be a trigger? Too inconsistent.

  2. L1 and R1 buttons.
    L2 and R2 triggers.

    Like the new Xbox 360 controller design. Microsoft does do some things right! 🙂

    I would love that. I play racing games on both the PS2 and the Xbox, and I like the triggers much better for acceleration and braking than the analog stick. For one, you can brake and accelerate at the same time which, believe it or not, is useful.

    And while the buttons are currently analog, that doesn’t really get used in practice. I have no game where that is useful.

  3. Brandon

    I use nothing but the buttons in Gran Turismo 3 and 4. After playing PGR 2 a bit, I really got used to using the XBox’s triggers but when I go back to GT4, I don’t feel like I am at a loss. It would be a shame if Sony went to an inconsistent “L1 and R1 are buttons, L2 and R2 are triggers” design but hey, there are always 3rd party controllers for stuff like that.

  4. Third party controllers can only do so much without software support. I’ve been championing triggers just because I like them so much. I don’t think it would be too inconsistent to have L1/R1 as buttons and L2/R2 as triggers. The Xbox 360 does it, and it works out well.

  5. I f many of you don’t know the PS3 controller is pretty comfy because is acctually a little bit bigger than your middle finger(if you don’t know the actual size search in the internet there atre a lot of pics regarding to its actul size

    Also I think that this controller is going to be more comfortable than the old PS2 and PSX one, OHHHH and for those saying that it sucka and it looks like a boomerang and that is going to be uncomfortable then I have only one thing to say “DON’T JUDGE A BOOK BY ITS COVER GIVE IT A TRY FIRST” Sony hasn’t let us down before why should Sony led us down when it comes to Next Gen Consoles I’m pretty sure they have a reason of comfortness behin all that bad jokes of the bannana controller or the boomerang WELL THANX FOR READING THIS AND REMEMBER THIS PS3 IS GOING TO !!!!!!!!!ROCK!!!!!!!!!!!!!

  6. There’s been no indication that the new controller is any different outside of a cosmetic redesign. I hope that’s not the case.

  7. Maybe, if the world rebells against the controller they’ll (SONY) change it

  8. a third party will release a ps2 dual shock for ps3 anyway so no problems i suppose

  9. ZAvenger

    A set of triggers would be very nice indeed, specially for driving games like GT4, where better accelerator control can make a big difference. Thrustmaster made a nice controller with triggers added to the buttons already there. I suppose you just need to use index finger on the triggers, since I don’t think many ppl put both pointer and the index button on the triggers. Although I suppose you can always get a race wheel with pedals for racing games. Does anyone know if PS3 will support PS2 controllers like the PS2 supports PS controllers?

    And since xbox is moving closer to the design of the PS2 controller, I suppose PS2 got it right, right?

  10. I don’t think that PS2 controllers will work with the PS3. Unless they make some kind of PS2 port to USB interface, and the PS3 understands it.

  11. ZAvenger

    Dam, no Ferrari race wheel for me 🙁

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Sony's Social Media Senior Specialist Chris Morell has announced today that a preview show of The Tester is available on PlayStation Network beginning today.

To quote: The countdown is on - we are just one week away from the premiere of The Tester on PlayStation Network.

I have a treat for everyone - a special preview show of The Tester hosted by actor, comedian, hardcore gamer, and The Tester judge Hal Sparks.

The show offers a glimpse of what you'll see on The Tester, and plenty of stuff that you won't see, including highlights from thousands of the hilarious submission videos we received - and there were some doozies.

Check out a snippet of the preview show below, and download the full preview show on the PlayStation Store and in PlayStation Home Theatre #8 later today.

More PlayStation 3 News...


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Community Care (Delayed Discharges etc.) Bill — Clause 12 — Free Provision of Certain Community Care Services — 15 Jan 2003 at 17:48

Kenneth Clarke MP, Rushcliffe voted with the majority (Aye).

Amendment proposed: No. 37, in page 7, line 32, leave out from 'require' to end of line 33 and insert

'any of the following services to be provided free of charge for a period of more than six weeks-

(a) the provision of accommodation under Part 3 of the National Assistance Act 1948;

(b) the provision of personal care to a person in any place where that person is living, other than accommodation provided under that Part of that Act;

(c) a service provided to a carer under section 2 of the Carers and Disabled Children Act 2000 which consists of the provision of personal care delivered to the person cared for (in accordance with subsection (3) of that section).'.-[Jacqui Smith]

Question put, That the amendment be made:-

The House divided: Ayes 464, Noes 50.

Debate in Parliament | Historical Hansard | Source |

Party Summary

Votes by party, red entries are votes against the majority for that party.

What is Tell? '+1 tell' means that in addition one member of that party was a teller for that division lobby.

What are Boths? An MP can vote both aye and no in the same division. The boths page explains this.

What is Turnout? This is measured against the total membership of the party at the time of the vote.

PartyMajority (Aye)Minority (No)BothTurnout
Con135 0082.8%
DUP4 0080.0%
Independent0 10100.0%
Independent Conservative1 00100.0%
Lab320 (+2 tell) 0078.5%
LDem0 45 (+2 tell)088.7%
PC0 40100.0%
UUP4 0066.7%
Total:464 50080.6%

Rebel Voters - sorted by party

MPs for which their vote in this division differed from the majority vote of their party. You can see all votes in this division, or every eligible MP who could have voted in this division

Sort by: Name | Constituency | Party | Vote

no rebellions

About the Project

The Public Whip is a not-for-profit, open source website created in 2003 by Francis Irving and Julian Todd and now run by Bairwell Ltd.

There are lots of plans afoot, including extensive redevelopment of the site and plans for new functionality. To keep up with what's happening, please check out the blog. We're working on updating all the contact details throughout the site, but if you'd like to talk to us about the project, please email [email protected]

The Whip on the Web

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Bath & Powder Room Décor

It used to be that the bathroom was decorated in a muted pink or blue pastel; the general look and feel was something akin to a hospital with only the most subtle hints of color and virtually no décor. Today the trend is to make the bathroom as spa-like as possible, complete with a shower bench or seat, teak floor mats, white terry cloth robes, scented candles, bamboo shelves, heated towel warmers and more. Tastes and styles change but one thing is certain – the bathroom is the most heavily trafficked room in a home; the condition and décor of kitchens and bathrooms are generally the difference between a home that sells quickly versus one that languishes on the market.

Powder Room Décor

Whether you plan on selling your home or staying forever, you owe it to yourself to outfit the bathroom as safely and attractively as possible. After all, it can be your own private oasis where you bathe, soak, free yourself of your cares and woes and escape the outside world.

It need not cost a lot to enjoy spa-like amenities in your own bathroom; something as simple as a handheld shower head can make a big difference in the quality of your bath or shower. Handheld shower heads can be installed without the help of a plumber using ordinary household tools. Use them to shampoo hair, bathe children, wash pets, even water plants or clean the shower or tub enclosure. Handheld shower heads are great when you want to direct the water spray to a specific body part or if you need to bathe while seated. There are even handheld showerheads designed specifically for use by children.

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In my opinion, the contrasting textures get this dish delightful. This kind of will happen continually while you cook, so make sure to manage the actual oil heat. Right now fold over along side it triangle factors as well as stick it on a clean tray. While weblink it really is cool towards the touch, add inside the egg, parsley, salt as well as pepper. Prepare the remainder with the kreplach.

When they may well be done, fill a big skillet using oil until it reaches about one inch up the actual side. both are generally equally tasty and could consist of your favorite spices, ought to you would like to enterprise out and also get this to your own own.

Makes 30

Meat filling:

1 tablespoon olive oil

1 finely chopped tiny onion (outer skin removed, cored as well as minced)

1/2 pound ground beef (or use cooked shredded brisket)

1 egg yolk

2 tablespoons finely chopped refreshing parsley

1/2 teaspoon salt

Pinch black pepper

Potato filling:

1 tablespoon olive oil

1 finely chopped tiny onion (outer skin removed, cored and also minced)

1 egg yolk

2 roasted garlic cloves, mashed

1 cup cooked, mashed potato

2 tablespoons minced clean chives

1/2 teaspoon salt

Pinch black pepper

For the actual wrappers:

30 wonton wrappers

1 egg, beaten for egg wash

Vegetable oil pertaining to frying

In a sizable skillet, slick underneath using the olive and also saute the actual onion until will be starts for you to release its juices, with regards to four minutes. Scrape in for you to a bowl and hang it aside. Fold the actual wrapper around the diagonal so that it forms any triangle and also seal the wrapper edges by pressing down. Its important it's well sealed. Heat your oil over medium heat. However, your woman stated store-bought wonton wrappers less difficult easier. Carefully add in one kreplach and also fry it upon both factors until it actually is golden brown, or concerning a couple of minutes for each side. Remove it from your oil with a slotted spoon as well as tongs, along with put it on a paper-towel-lined plate.

If the actual heat begins to have as well hot, lower it. Mix every factor collectively until it really is well combined.

If generating the potato filling, assemble similarly.

Place any heaping teaspoon associated with filling to the center with the wonton wrapper as well as brush the edges with most the egg wash. Once you sprinkle a bit bit of flour inside it also it bubbles, the particular oil can be ready. As Quickly As you've weblink fried one, go ahead and also fry the actual rest. Add within the beef and cook yet another five minutes until it browns. A Prolonged Time ago, Janet utilized to produce her own dough, that the girl learned coming from your ex Russian grandmother. When you've a frier, this would furthermore work. (I agree!)

Wonton wrappers is found in the refrigerated section from the tofu. Dont overcrowd your pan and also still regulate the temperature so which they dont burn.

Serve by yourself as well as inside a good homemade chicken broth.

Cooking in Residence is a once a week column exactly where Rebecca dishes on which shes been Look At This making.

I adore fried kreplach throughout homemade chicken broth, along with my buddy Janet helps help to make the very best.

While its classic in order to boil kreplach, Janet prefers in order to fry hers. (This will take more time depending about the flame and in addition the oil, therefore just watch this carefully). I have got included Janets meat filling recipe plus a recipe for potato filling

Posted Sep 19, 2015 at 5:54pm

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Monthly Archives: November 2013

The Handmade Collective 2013

We are very excited to come to Bangalore for the very first exhibition with Hundred hands,
The Handmade Collective 2013
We’ll be there with our exclusive range of handmade patchwork products… Baby Quilts, Cushion Covers, Toiletry kits and pouches and much more. This year’s new launches of Quilted Jackets and handmade paper notebooks will be there in plenty! we look forward to seeing our old friends and a lot of new faces as well!
The Handmade Collective-IV Invite_2

A wedding for lunch

Yesterday was a happy day at Purkal. All of Stree Shakti got dressed up to go to the wedding of Neelam Thakur’s daughter Vinita in the Village of Kimari. Neelam is one of our artisans and was very excited to see the Stree Shakti bus arrive at her home. We had a very bumpy bus ride to get there but the setting was beautiful and everyone really enjoyed the afternoon celebrations.

Guests at Stree Shakti

On the 14th and 15th of November we welcomed lots of visiors to Stree Shakti, they all got tours of our workshops from Chinni and Maneet and then did a bit of shopping in our display centre.

Everyone enjoyed the Ecole Global School, All India Women’s Conference,  Kamla Mahila and the Yoga Students Group from Yog Ganga visiting us. It was a very busy couple of days and we hope all our guests liked our workshops at Purkal.


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WOCA92180000You knew it was coming, and it’s coming on September 30th. The D&D 5th Edition Monster Manual has everything a Dungeon Master needs to fill a good adventure with nasties. The book will have an MSRP of $49.95, and will have 320 pages fillled with all sorts of horrible things to entertain your players.

It’s still a bit strange to me that the 3 core books aren’t released at the same time, but you’re still buying ’em, so Wizards is doing something right.


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If you are actually as fashionable as you pretend to be and you haven’t been living with Fred Flinstone, you know that this hot British designer’s bags are not only hard to get your hands on but also are avaliable in the most stylish colors of the season! The clutch is made of genuine leather with a zip top entry, heart-shaped Luella key fob, and two front pockets to buckle it. It is avaliable in Green, Lilac, Pink, and Red, all are stunning and absolutely to die for. Best part or worst part (depends which way you and possibly the person that pays the bills looks at it) the main compartment has 6 credit card slots!!! YES, STRIKE!! It measures about 7″ long x 4″ high and you can get it at the hot price of $249.99 as opposed to the suggested retail of $395.

P.S. Please consider supporting our small, bag-loving team by clicking our links before shopping or checking out at your favorite online retailers like Amazon, Neiman Marcus, Nordstrom, or any of the listed partners on our shop page. We truly appreciate your support!

Share Your Thoughts With Us

  • I love the pockets! … on a wallet! Wow. Don’t love the price. And I thought Coach wallets were expensive. I love my Nine West signs wallet with khaki/green croc. Yum. Looks nice with my Coach bag. It was half off $30! Anyway it’s really large, and I’m thinking maybe I need a smaller one, too? Ahh! Hmm. I do love all the card slots, though. See, I only havea debit card, I use the rest for store coupon type cards, you know? So it’s good!

  • Naggy

    It looks like the bottom half of a plain and boring bag. (ipad)

  • KY

    I love this clutch (ipad)


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Abandoned & Unclaimed Property Quarterly: Issue 8 - March 2014

Abandoned and Unclaimed Property Quarterly
This edition of AUP Quarterly highlights unclaimed property issues, and the need to address the necessary information requirements in the event of an audit. A company’s unclaimed property audit relies on data management and record keeping activities, with the burden to prove an item is not escheatable falling upon the company under review. State or third party auditors may request a company to submit multiple documents or items in a short time frame, causing company officials to feel overwhelmed. To prepare for an audit, a company should perform an internal review of current documentation management processes and should develop practices and procedures to organize data necessary to rebut the presumption of abandonment. A company with organized, easily-accessible data saves resources and may reduce the unclaimed property liability.

Abandoned and Unclaimed Property Quarterly archive


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How much do vet techs get paid?

Answer The average annual income for a veterinary technician currently ranges from $20,942 for someone with only a year of experience in the position to $41,997 for a veterinary technician who has been in... Read More »

Top Q&A For: How much do vet techs get paid

How Much Are MRI Techs Paid?

The job outlook for MRI technologists and other licensed radiologic technologists is above average, with job growth projected at 17 percent over the period 2008 to 2018. Wages vary based on the pra... Read More »

How much do radiology techs get paid?

According to the United States Bureau of Labor Statistics, the median salary for a radiology technician was about $48,000 in 2006. The high earners made around $69,000 while the lower earners made ... Read More »

How much are computer techs paid?

According to data posted in 2009 by, the pay range for computer technicians is between $25,000 to $63,000 annually. Variables in salary are due to years of experience as well as educat... Read More »

How much do geek squad Home theater techs get paid an hr?

depends on where you live. you start @ around $10 usually and at the tops end like $18. when i got let go i was making 16.29. i was working there for 2+yrs and for best almost 10. also they dont hi... Read More »


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Calling up the alumni

Jon-Paul Cook's picture

Jon-Paul Cook, Opinion - By Jon-Paul Cook on Thursday, December 9, 2010 - 05:15

It’s a trap!

The Phonathon program is one of the most important jobs that students are pushed to do but at the same time one of the most insidious.

It simultaneously sucks dry hard working parents and alumni to fund scholarships, campus infrastructure, tech upgrades and professor’s salaries—and promotes more anti-social attitudes in its cliquish work force.

The truth is, the Phonathon receives the most exception funding of any job on-campus because Whittier College suffered a falling out in endowment levels in 2008.

The extra pay is an incentive for many potential applicants. The more people working the phones, the more efficient the Phonathon program will be in contacting alumni.

This special funding marks it as a very important and available alternative for students without work-study if they wish to work on campus. However, Whittier College is promoting the Phonathon so intensely, that some students may feel that they have no choice but to work for this program.

The Phonathon begins contacting students within three months of graduation. If I were an alumnus called up by a student of the Phonathon service that soon, I would not be the least bit cooperative, because I would not yet have developed a strong relationship with those students or the program to be willing to donate. Further, within only three months of graduation, I would likely not have the economic stability necessary to give anything.

This is a problem faced by many students working there. It is my belief that the Phonathon strengthens negativity within the tight-knit group that is partly trapped working there. How can a person stay positive when they are told “no” every day they come to work? How can a person hold up against the hang-ups and rudeness of suspicious alumni?

You have heard of the Phonathon as being the best paying job on campus. In terms of starting pay, this is true but the bloated salary does not reflect at all the qualifications of student workers or the difficulty of the job. From what I gather, Phonathon employees just sit on their duffs all day while they speak into their phones.

Despite the leisurely working environment, the Phonathon suffers from a heart-breakingly low retention rate. Many students quit their job as a Phonathon operator each year and the spring hours of operation changing to the evening also contributes. The seasonal change conflicts with many employees’ schedules. This job gets in the way of student studies particularly during the weeks around finals and sees the most deserters in that time period.

Anonymous's picture
Submitted by Anonymous on Thu, 2010-12-09 23:22.

this is a horrible article and is completely untrue


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Hebrew Immigrant Aid Society

Also Known As:HIAS
Address:333 7 Ave., 16th Floor New York NY 10001
Telephone(s):212-967-4100 800-HIAS-714
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The Day of the Tablets has arrived! Just seven months after the iPad's introduction, Samsung has entered the market with an impressive new device that's already sold more than 1 million units: the Galaxy Tab. James Kelly introduces you to the Galaxy Tab and explains how it works, shows you some of its core features, and demonstrates why you should give it serious consideration as an iPad competitor.
Like this article? We recommend

Tablets are nothing new—these devices made their first attempt at gaining ground back in the mid-nineties. The problem back then, however, was that the devices were little more than a laptop with a touchscreen substituted in place of the LCD screen.

These early tablets were heavy, bloated with an operating system that took forever to boot up, and often brought with them technical problems that could only be solved at the highest levels of tech support. It should come as no surprise that tablet sales were less than spectacular and mostly disappeared from shelves—customers simply weren't interested.

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Reading 1818 Blogs Daily!

  • jewelry
  • Page 1 of 1 ( posts )
May 23, 2017
It's All About 'The Details' from CollectInTexas Gal

The difference between something good and something great is attention to detail. Charles Swindoll

Pay attention to details.  The most important things are often overlooked
in the search for things greater than the obvious.

Details make perfection, and perfection is not a detail.  Leonardo da Vinci

These three pieces have been RE-MADE with attention to DETAILS.
If at first something doesn't sale...redo, repurpose and resale!  CollectInTexas Gal

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May 19, 2017
Hummer Time from CollectInTexas Gal

You know how one thing leads to another?  Of course you do, it's a common malady among people like me who have the 'Dori Syndrome'..."Oh, Look...something shiny".

Turns out the something shiny caught my eye while fishing (pun intended) for clasps for several necklaces I made from a strand of beautiful porcelain and glass beads that belonged to my mother.

 Like I said...'One thing leads to another', and before I knew it, my worktable was cleared of fabric, rotary cutters, rulers etc., etc., and replaced with 'Jewelry Making Stuff' and a new idea I have been ...

read more
April 19, 2017
Pin It Weekly #201 from Fleur de Lis Quilts and Accessories

Pin It WeEkly #201! the four year AnnIversary is only 7 weeks away! So we're shooting for 25 pins a week until the anniversary! Stick with us.

Let's start with Selma Tellez. This girl has a huge wish list and very good taste!
2015 New 925 Sterling Silver Bird Necklaces  Pendants Pure Sterling Silver Choker Necklace Jewelry Collar Colar de Plata
Gold Plated Stellux Austrian Crystal Heart Drop Earrings TE0056
Cute Exquisite Enamel Little Dog Brooches
Individuality Rose Gold Plated 7 Design with Austrian Cystal Leopard Rings TR0163
4 Colors Lace Wide Cuff Love Bangles  Bracelets for Women Rose Gold Plated Adjustable Bangle Jewelry
62017 Fashion Cuff Bracelets  Bangles for Women Hollow Flower Lady Emboss Charm Bracelet Femme pulseira feminina masculina
U7 Stainless Steel Bracelet Men Jewelry Wholesale Yellow Gold Plated Mens Bracelets Fashion Watch Band Bracelets Bangles H648
Wholesale Fashion womens 2016 big heavy metal chain colorful crystal flower necklace bib choker chunky statement necklace

Mildred Cappelli is a pinning bom! Check out some of her pillow pins.                                              9
love this pillow
Blissliving Home® Dahlia Throw Pillow -
11My latest cushion design  completed this afternoon, I'll be writing the instructions over the next few days for my Etsy shop.

12Neşe'nin gözdeleri
13                             14
Fräulein Gertrud: Cathedral Windows Patchwork-Kissen

Almofada de feltro

16                       17
Spring Day pillow .. a pillow I know but me thinketh i may have to do this as a full quilt for a little girl I know..... lovin the colors & rick+rackWOW! Look at that pillow! The detail on tha back is amazing! Classy! <3 it...

Sewing & Fabric Ideas dit is een kussen ja ja ik weet het maar het idee is leuk te verwerken in een tas.

Donna Ferguson has a cheesecake board! Really! Check out these pretties...
Bourbon Banana Pudding Cheesecake | foodsweet | foodsweet
These bite-sized mini cheesecakes are the perfect ending to any summer event.

Caramel Toffee Crunch Cheesecake
Raspberry Ribbon Cheesecake Recipe -Here's a mouthwatering dessert that's sure to impress family and friends. Not only does it taste wonderful with its chocolate cookie crust, rich creamy cheesecake and tangy raspberry center and also looks lovely!—Peggy Frazier, Indianapolis, Indiana
White Chocolate & Almond Amaretto Cheesecake
Chocolate Chip Cheesecake with Brownie Crust ~ delicious two-in-one dessert!
Mint Chocolate Cheesecake recipe from Food Network Kitchen via Food Network

Special thanks to the many followers ...

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February 25, 2017
Second in the Series from Quilting & Learning

Two fabric flowers
Two fabric flowers
My second Escape Art Quilt is done! It had to sit and percolate a while before I was ready to finish it.

I knew that there would be 2 fabric flowers that I had made, although I wasn't sure of their placement. I also wanted to add more embellishment, but didn't want to go overboard (something I can easily do!)

I went in my jewelry box and found a lovely chunky red flower - it's perfect!

Details of Escape 2: English Garden Art Quilt
I really wanted to add some rose quartz, but where and ...

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December 16, 2016
10 Gift Ideas for Quilters from Brown Bird Designs Quilts

It is always hard to find the right gift for a friend or family member. I put together a few items that I think quilters would love. A gift guide. If you are a quilter yourself, you can always pair the gift with a handmade bag, mini quilt or mug rug. A coffee mug with a handmade mug rug would be perfect or the wall hanger with a handmade mini – I love that idea! There are all sorts of items on this list ranging from a bracelet to a rotating cutting mat. Oh yeah, a mat that turns 360 degrees ...

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November 23, 2016
sunday style report: denim and leather from edeenut

Sometimes easy outfits are the best. I love when I can wear one dress and not have to worry about matching or coordinating a top and a bottom, skirt or pants. A dress is super convenient for so many reasons.
This shirt dress is still going strong and on repeat every month or so. My husband doesn't like it at all, but I do and it makes my life easier.

I got this new leather wrap bracelet this week and love it so much! My wrists are pretty tiny so I was happy to have this come and fit ...

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September 11, 2016
style report: saying good bye to, please stay from edeenut

It's a sad day when I wake up and feel too chilly to put on shorts. I love wearing jeans, but I still want my warmer days to last. I will take September-October any day. In southern California, those are the best months.
This was the first week I wore pants while dropping off my youngest at school. I quickly changed out of them into shorts the first chance I got when the chill was gone.

These straight cuff jeans are a new one for me. I got them at the gap factory and decided they are pretty cute ...

read more
September 8, 2016
Pin It Weekly #169 from Fleur de Lis Quilts and Accessories

I've enjoyed introducing some of Pinterest followers so much that I thought I might introduce a few more this week.
Cynthia Coleman has some interesting pins. I especially like her lighthouse board and check out these fun words!

inspirational sayings #positivity:

Slangkop Lighthouse ©Daniel Grebe -

Bodie Lighthouse in Nags Head - NC13 Favorite Things to Eat, Drink, and Do in St. Augustine, Florida | Traveling…:

Megan Parker's boards are fun, colorful, and happy. How gorgeous are these pins? (Pun intended, of course.) I really had a hard time leaving this board and getting back on task!
*A belle époque - edwardian diamond brooch, circa 1910 The central garland motif collet-set with an old brilliant-cut diamond to a finely pierced openwork latticework surround, set throughout with similarly, rose-cut and cushion-shaped diamonds, old brilliant and cushion-shaped diamonds approx. 3.10cts total, French assay mark, later brooch fitting, length 5.8cm
Van Cleef, Seven Seas Collection, brooch:
Exquisite platinum, 18k gold Edwardian brooch set with diamonds & an emerald cut amethyst.:

Patsy Keltch has almost 50 boards but her "sisters and brothers" board is hands down the most darling.
newborn pic. Great idea for a picture to do with my kalei and newborn baby girl or boy:

Sister shirts - would love to get these for me and my sisters:

This ALMOST makes me want to do it all over again.:

I've added a few pins to my own boards. Recently ...

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August 22, 2016
sunday style report: easy casual shirt dress from edeenut

Finding a shirt dress that is long enough for me is not an easy task. I discovered this old navy denim button up dress and ordered it in a size Small Tall. I wish there was and XS option in Tall, but the Small has been okay and I've still worn it. If it bothers me too much down the road, I may take in the sides a bit with my sewing machine, but for now there is a tie for the waist so I just wear it as is.

Even with the side slits, the length is long ...

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August 8, 2016
hemming a knit shirt with a double needle, plus a shop restock from edeenut

The extra pouches from my Christmas in July sale are now stocked in the etsy shop. Thank you everyone who purchased one or two. It's nice to have a little sale every so often on IG with discounted prices, to show you I appreciate you.

Skirt- Old Navy
Zipper pouch- edeenut

I try to be cautious when ordering shirts online, especially when I'm not sure of how a size small will fit. Usually a size small fits me, but the shoulder seam is not where I like it to hit me ...

read more
October 30, 2014
Back after a long interim from Seams Sew Creative

Having a second baby puts an amazing demand on your time, patience, sanity, and ability to accomplish anything other than simply making it to the next day. My youngest is now almost three and the crafting bug has bitten again.

Over the past few months I have found myself making things just for the sake of making it, and that has really pulled me back into the world of blogging and my Etsy shop.

Looking back I realize now what a catalog of the things I was doing this blog had become. Having time to get back to these things ...

read more
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  • Page 1 of 1 ( 11 posts )