Runners have long touted the benefit of "barefoot" running and Vibram, the company that created the FiveFingers shoe, is the one that started the hype. But a recent lawsuit alleged the claim lacked any scientific evidence to back it up. Now today the company has settled the suit and consumers who bought the shoes may be in for a refund. Long before the FiveFingers shoe was sold to runners they were marketed to boaters for their non slip sole. In time they came up with the idea of marketing the shoes to runners. Ads claimed that their minimal shoe mimicked the results of running barefoot and that this was better for you. Consumers agreed. Other shoe companies quickly followed suit with a host of thin rubber soled, toe hugging, running sneakers to follow. Today all that has changed. A suit against the shoe giant claimed that they had no scientific evidence to back up claims that the FiveFinger shoe would reduce foot injuries or strengthen feet muscles. Vibram agreed today to put aside $3.75 million dollars from which it would pay refunds to anyone who had bought a pair of the shoes since March 21, 2009. For the consumer that could mean as much as $94 in refunds. No information has yet been released on how consumers can apply for their refunds or who is ultimately eligible. Vibram is certainly not the first sneaker company to see its marketing claims challenged. Skechers has also had to settle lawsuits over fitness promises related to its popular Kardashian endorsed Shape ups, Resistance Runner, and Tone up style shoes. Related: How to get your refund from the multi million dollar Skechers lawsuit As part of the settlement Vibram is refusing the claim of wrong doing and refusing any responsibility of fault or liability. Meanwhile the court is still out on the benefits of barefoot running. As many studies tout its benefits as there are ones that decry it's dangers. The Vibram FiveFingers shoe was so popular that it has even been called out, by name, in some of these studies. This one 2013 study says specifically that "increases in bone marrow edema [the precursor to a stress fracture] are more common in subjects who were transitioning to the [Vibram FiveFingers]," Subscribe to this topic to get free updates sent to your email address or follow us on Pinterest Looking for more fashion news? Keep up to date on all the breaking 'Project Runway' news by Project Runway' page on Facebook,Twitter,Tumblr, and PinterestOutdoor exercise tips: What to wear for cold weather workoutsWhen there is a chill in the air, it's easy to think you'd be better off to put in a workout DVD, take your daily walk indoors at the local mall, or better yet, skip it all together. But as long. Tips for moving houseplants from outdoors to indoorsMany gardeners keep their houseplants outside during the summer and move them inside for the winter. Typically this is a good strategy but with moving plants in during the winter the plants. 378037 117 Kids Air Jordan 11 Legend Blue White Black Legend Blue ,Air Jordan 5 3Lab5 656503 401 Air Jordan Future Varsity Royal Varsity Royal White 528895 023 Women Size Air Jordan 11 Retro Low Infrared 23 Nike Air Foamposite Pro Air Jordan 7 Retro Year of the Rabbit 2011 653972 500 Kobe 9 EM 656503 601 Jordan Future True Red Nike Kobe 9 Low EM XDR White Black Gold Air Jordan 6 Rings Black Dark Charcoal The financial services industry, in particular the retail banking sector, is expanding its embrace of electronic distribution strategies. Today, for example, almost all retail banks offer on line inquiry for customer accounts, and most provide the ability to perform balance transfers, withdrawals, and bill payments. Electronic distribution is growing, too. In 1996, PC banking was estimated to reach about 2.5% of banking households and was projected to grow to approximately 19% by 2002. Early work on electronic commerce and the vast majority of practitioner literature point to cost savings yielded by an on line distribution approach. For example, a study by Booz Allen Hamilton, a management consulting firm, reports that the marginal cost of an on line banking transaction is four cents compared to $1.44 for a teller based transaction. In a paper titled Better Customers Utilize Electronic Distribution Channels: The Case of PC Banking, Wharton's Lorin M. Hitt and Harvard's Frances X. Frei challenge the assumption that cost saving represents the primary long term benefit offered by electronic distribution in the retail banking sector. For instance, even if the Booz Allen cost saving figures are accepted, Hitt and Frei argue that on line banking technology is easily replicated by competitors and is therefore unlikely to create a sustainable competitive advantage. In addition, many of these cost reductions are accompanied by reduced entry barriers and increased market transparency, which further intensify competition. Finally, they say, the substantial investment in infrastructure as well as incremental service and support costs erode much, if not all, of the supposed cost savings. While Hitt and Frei reject the cost savings potential, however, they conclude that PC banking does offer at least one significant benefit it lets institutions retain high profit customers. In 1998, Hitt and Frei developed their own data, convincing seven banks with assets ranging from $30 billion to $200 billion to participate in a comprehensive study of IT (information technology) investment practices. The study included a general overview of the process as well as an extensive discussion and data collection effort of PC banking as an example of a recent IT investment decision. These data included project timelines, initial and ongoing costs, motivation for the investment and measured outcomes. Some of the data were collected by a formal questionnaire with specific queries, while other data were obtained in response to such open ended questions as, do you perceive the value of PC banking to be? A questionnaire was sent to each bank and interviews were then scheduled with the individual or group most knowledgeable about a particular issue. These differences were studied by estimating regression models that related customer demographics and PC banking usage to product balances and the number of products they use. Based on the statistics they developed, Hitt and Frei made three initial observations: First, customers who use PC banking are consistently wealthier, more likely to own a home and to be married, and are between two to six years younger than those who do not use PC banking. Second, PC banking users generally have more banking products, greater asset balances, and offer greater (estimated) profitability. Third, the differences between PC banking and non PC banking customers persist across different institutions in the Hitt Frei study, although there is some variation on the degree of the difference. Hitt and Frei observe that even after accounting for demographic differences, account duration and short run versus long run profitability, PC banking customers offer more value than those who do not bank by PC. For example, electronic customers use more products and carry higher asset and liability balances in both a single cross section and over different stages of the account lifetime. Following their adoption of PC banking, they also tend to acquire products at a slightly greater rate than that suggested by their characteristics. Their study offers valuable guidance for banks that are considering expanding or implementing electronic distribution. Although the cost savings benefits of PC banking appear to be minimal or non existent in the medium term, the product could be viewed as a tool for retaining a small but significant segment of high value accounts. In essence, electronic banking is a competitive necessity that offers a high degree of value. Additionally, the product is a useful segmentation device that could open the door to targeted cross sells, price discrimination and other effective strategies. Thus, most of the potential segmentation effects are not being realized. They also note that account retention was a motivation in only four of the seven banks studied. And even in these institutions, there was little measurable explicit pursuit of account retention in the product marketing and deployment approaches. As such, traditional banks are likely to face new and aggressive competition for high value electronic customers from on line virtual banks as well as such so called mega banks as Citigroup and NationsBank that have national brand recognition but currently have a limited geographic scope. 378037 117 Kids Air Jordan 11 Legend Blue White Black Legend Blue,I'm a Small business owner of a manufacturing and distributing company that deals in sustainable energy products, I also am the COO of a Solar Thermal Manufacturing Company. I was approached by a brokerage company wanting me to buy into WEN. I have several doubts and wanted to get some opinions prior. Everything that I have read thus far seems t weigh more on the negative about Wendy's and its future. The broker told me that he rides t shirt tails of some high dollar investors and recently one of those multi bucked CEO purchased a substantial amount of shares of WEN. Now I'll be completely honest (and that is the way we all should be), but I'm definitely not as stock market savvy as I wish I could be. I have several safe funds and although I'm still in my lower forties, I don't believe in throwing money away on an uncertain thing. Please someone give me your advice of WEN. The dumbest thing you can do is to buy on "tips." No matter who gives them to you, and no matter what or why they say something Do your own research!! Retail is always a fad business up one year down the next clothes, food, shoes, styles, etc. Whole Food Markets and Hain are popular nowadays. But for how long? Remember Crispy Creme? Radio Shack? At your age, buy deep in the money LEAPS calls about 90 delta or sell Puts at least 20 30% below market on a couple of trends that you believe might payoff over 24 months. Both strategies allow you to "speculate" on a trend that you believe in. And in general go for good size companies where management is respected and admired.
Sale Online Womens 378037 117 Kids Air Jordan 11 Legend Blue White Black Legend Blue,Nike Air Foamposite One Knicks If you are like most men, you probably have a few pairs of jeans in your closet that you've broken in just the way you like them. The denim feels nice and soft from so much wear. But while you love your jeans, you aren't always sure when it is appropriate to wear them or what to pair them with. A lot to depends on where you are going and what the occasion is. Here are some guidelines on how to wear the right jeans for any occasion: All jeans are not created equal. There are very casual jeans and then dressier pairs. Make sure you have some of both in your closet. Casual jeans may be more faded or distressed. Darker, well cut jeans are better for nicer occasions. Remember that jeans alone don't make the outfit. What you pair your jeans will either take your outfit up a notch or establish it as undeniably casual. A pressed fitted button down gives a crisp look to jeans and works for a casual date, a very dressed down day in the office or dinner out. Bring along a sweater to take you through the evening. Dress up dark jeans with a blazer. This adds instant polish to any outfit and can look very modern with the right shoes. Don't forget that footwear and belts are accessories, too. Opt for boots for a stylish alternative that can dress up your look. And dress shoes are a predictable, and always appropriate, option with a nice shirt. Wear your jeans with sneakers for a football game or casual day out. Also vary your belt accordingly. A casual canvas belt or woven one may be a good choice for a weekend afternoon, while a polished black or brown leather belt may work better for a dressier occasion. Find out what the dress code is at your office. In some more relaxed environments, a nice pair of jeans with a jacket or pressed shirt is appropriate attire for casual day. Other offices have strict "no jeans" policies, so make sure you know what the rules are in your workplace and dress accordingly. If jeans are an acceptable option but your office is somewhat formal anyway, select a neat pair, possibly with a darker wash, and wear them with nice leather shoes or boots and a matching belt. Or if you work in a very informal, creative setting, see what your co workers and superiors are wearing and follow their lead. You may be able to exercise your personal style by wearing trendier styles. If you are not sure how to dress for a dinner date, a night at the theater or an evening out, a well fitting pair of jeans and nice shirt or sweater can be a good middle of the road choice. Add a nice sports jacket so you won't be underdressed. You can always take off the jacket if you don't need it and look more relaxed instantly. This is an easy way to look like you belong no matter what the setting. If you are investing in a few pairs of good jeans, decide whether you are more apt to wear classic styles, which will be fashionable for the next few years, or whether you prefer to be on the cutting edge with trendier cuts and detailing. You may want to select a pair or two of each, so you can count on your classic jeans for more traditional occasions and save your high fashion jeans for a night out. But consider your lifestyle and taste when deciding what makes the most sense for your wardrobe. Learn the options that are available when it comes to jeans. The popular cuts right now include regular, which are traditional, five pocket jeans that fit well and aren't too loose or too tight; relaxed and loose, which fit more generously and have a wider leg; straight leg, which are what they sound like, falling in a relatively straight line from the hip to the ankle; and low rise, which means that top of the jeans sits below the natural waist; and boot cut, which are slightly wider, or slightly flared, at the bottom. The popular finishes include faded, regular and distressed/weathered, which means the jeans look worn in when you buy them. Fit matters, so don't go by size alone. Jean manufacturers all size their jeans differently, so it is important to try on each pair before you buy. Make sure the jeans fit your body correctly in all of the right places. You want to be sure that the jeans don't gap at the back of the waist, and you want to check that they fit your shape but have enough room for your wallet and keys to fit without straining the seams. Also make sure the jeans have enough room in the crotch area without pulling. You can try sitting down to be sure the jeans will feel good to wear all day, too. Finally, when you find a pair you like, check out the rear view in a three dimensional mirror to ensure that the back looks as good as the front. Remember that you can always have the length hemmed. Just wash the jeans first, as they will shrink up a little, and try them on with the shoes you will wear. Wish you could afford to have your jeans custom made to fit perfectly? Today, several companies offer this option. Learn about Levi Strauss "Original Spin" system, which is available at select stores. The customer's measurements are taken by a salesperson, along with style and fabric preferences, and this information is entered into a computer to design a customized pair, which is then made and shipped to the customer's home. A similar approach is offered through the Land's End Custom Department. 378037 117 Kids Air Jordan 11 Legend Blue White Black Legend Blue at the West Vancouver Memorial Library as part of the TD Vancouver International Jazz Festival's North Shore Jazz series. SOFIA Rei's first trip to New York City made a lasting impression. "It was such a beautiful shock, that's exactly what it felt like, it was a beautiful shock," she laughs. "I felt this huge energy." Visiting Manhattan with her family, the then 16 year old native of Buenos Aires didn't stop, sleeping a mere few hours a night, walking for hours each day and visiting countless points of interest, all in an effort to see as much of the famed city as possible. "Everything was so new and interesting and you could feel how the city pushes you all the time to create, to be active, to do things," says Rei. "Now that I live here, I still really like that. I like the fact that it's a place where everybody has that kind of energy. Where most people are here, especially in the arts field, it's people that move to New York because they love what they do. They really want to make a career out of music or art. . . . People move to New York to fulfill their dreams and to do what they love. That energy, you can really feel it, and it's very special and powerful and I think it pushes you forward." Now a fulltime resident of the Big Apple, Rei is an accomplished performer, drawing on her diverse musical background. Her sound reflects her Argentine roots both her classical training and the Latin American folkloric tradition she was immersed in as a child her continued exploration of the jazz genre, and countless cultural influences she's picked up over the years through the talented musicians she's collaborated with. An accomplished vocalist, Rei sings in Spanish, Portuguese and English. "To create the style of the music that I'm doing, I think it took many years because I did so many different things," she says, reached Tuesday from New York. "All these different projects that I've participated in, all these different styles of music, I think I can finally put them together through my compositions, through my own songs," she adds. Tonight, Rei will perform at the West Vancouver Memorial Library. A free show, the concert is part of the Vancouver International Jazz Festival's North Shore Jazz series. (Tickets: $17/$15). Rei is excited to be taking the stage in West Vancouver and will be accompanied by her band, Eric Kurimski on guitar, Jorge Roeder, on bass, and Franco Pinna, drums and percussion. She plans to perform some works from her upcoming fall album, which is almost complete. "We've been working on this music for quite a while now," says Rei. "It's a collection of songs of mine. We worked with my bass player Jorge Roeder on the arrangements, the musical direction and the production of the record. I'm really proud of this collection of songs." The tracks have Argentine, Columbian, Peruvian, Uruguayan and Spanish influences, as well, feature both electronic and loop effects, and traditional instrumentation from the folkloric tradition. "There are more voices than my previous albums," says Rei, resulting in a greater richness than her previous works. The new record, the title of which she's keeping under wraps for now, is a follow to her 2010 sophomore release, Sube Azul. Earlier this month, Rei had an opportunity to perform in her hometown, which is always a "fantastic" experience, she says. "Normally I don't get to play in front of my family and close friends from my whole life," she says. "Through these concerts I get to see people that I haven't seen for many years. . . . You know that you're singing, you're performing for people that have known you for a very long time, that have heard you also for many years and have a very special connection. So it's always really nice." Rei has been a professional singer since age nine, getting her start with the Colon Theater Children's Choir. Growing up, she maintained a hectic schedule, continuing to study voice and classical singing, and performed with a number of ensembles, including Argentina's National Youth Choir, and she went on to study music at the post secondary level in Buenos Aires. While she grew up immersed in the classical tradition, Rei gradually gained an interest in jazz music, both traditional and contemporary. "I was really, really interested in studying how to use the voice as an instrument, how to use extended techniques, how to develop the voice and the possibilities of the voice, especially for improvisation," she says. Unable to find the right teacher in Buenos Aires, she decided to move to Boston, Mass., and received her master's degree at the New England Conservatory, which gave her the opportunity to study with a variety of jazz legends, including Charlie Banacos, Danilo Perez, Dominique Eade and Steve Lacy. She's currently a faculty member of Boston's Berklee College of Music, teaching voice. Rei has a number of performances scheduled in the coming months, including tomorrow night's appearance at the Victoria International JazzFest, and is involved in a number of musical projects. For example, she's working on new music for her New York based international a capella quartet, Mycale, commissioned by John Zorn, with a plan to record a new album by the end of the year. "To be able to sing and especially to sing your music, to sing what you love most and share it with musicians that you really love that are your friends, that are your partners and that you have all this trust in, all these people, and making music together it's something very special and very unique and I can't see myself doing anything else," she says.
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