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Sugar-free to me means a diet free of refined sugar - things like processed foods and white flours, rice and bread. Has quitting sugar changed the way you think about food.

I used to get stuck making the same 10 meals. Also, spelt or barley make delicious alternatives to risotto rice. What health benefits did you notice after giving up sugar. It definitely had an impact on my energy levels and my skin looks loads better. It took a while to get to that point but was worth the wait. What were the hardest times when you gave up sugar. How did you beat the cravings. Just something to give me a sweet hit. Do you think success is all in the preparation.

Do you avoid any fruits or natural sugars. However, fruit is a great snack to have. What alternatives do you use in baking. What would be your ultimate tip for anyone thinking of going sugar-free. The most important thing is not to beat yourself up if you slip - just pick it up again the next day. Be realistic, make sure you have something sweet but free of refined sugars in the fridge in case you get a craving.

Whether you're looking for sweet substitutes, sugar-free baking guides or simply want to find out your recommended daily amounts find all the answers in our sugar hub:All you need to know about sugarStill struggling to get your head round sugar.

Let us know your questions below and we'll do our best to help. Comments (11) Questions (2) Tips (0) I am one year today into a lifestyle change, gave up a HUGE addiction to sugar that had me stuffing my face with chocolate every night. I say this because I am very disappointed at how this article handles the topic, with no science around the process of giving it up, no clarity around what makes sugar unhealthy, and spreads myths about what is "sugar".

Being "natural" means nothing. Poison Ivy is natural, doesn't mean you should eat it (I know I know hyperbole, but the point is that "natural" is just a marketing term). I am very passionate about this topic, as I have found the benefits of ending my sugar addiction to be extremely positive for my physical and mental health.

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I thought sugar was making my anxiety worse, and since giving it up I've noticed a huge positive change. I think more clearly, I'm less re-active when I feel upset, and I can focus for much longer periods of time, which really helps me at work. I'm just writing this to help point people in the right direction.

If you're interested in learning what differentiates "bad" and "good" sugar, I recommend the documentary The Sugar Film, which I've linked to below. I just hate to see people given poor health advice, when good choices from good advice can make such a huge difference in your life, help you handle everyday stresses and even large crises, by giving you confidence, strength, energy and overall health.

I've been a diabetic for almost 10 years now. The best advice i got was to cut back on starchy foods.The result for settlement is at the time of the podium presentation. If both drivers fail to complete the race then the driver completing the most laps will be deemed the winner. If both drivers retire on the same lap then bets will be settled on the official classification at the time of podium presentation.

All cars will be deemed as runners. A Safety Car Period is defined as the need for the Safety Car to run in front of the leading car during a specified race. Should the race start under the Safety Car, then all bets concerning the Safety Car market will be settled as Yes. If the race finishes under Safety Car conditions but the safety car has not had time to get to the front of the leading car this market will be settled as Yes.

Virtual Safety Car periods do not count. The winner is the driver achieving the highest placing at the time of the podium presentation. If all drivers in the group fail to be classified then the driver completing the most laps will be deemed the winner. If all drivers in the group fail to be classified and two or more drivers retired on the same lap then dead-heat rules apply.

Drivers are grouped together for betting purposes only. Bets will be settled on the official FIA result at the time of the podium presentation.

Driver must start 1st formation lap. Bet settlement will be determined by which lap number a car retires on. Should more than one car retire on the same lap then dead-heat rules apply. Settlement will be based on official FIA results.

Bets will have action once the 1st formation lap starts. The winner is the constructor of the first car to retire. Each driver's handicap is applied to their race time. The driver with the best race time after applying the handicap is considered the winner of this market. Race Leader must complete 40 laps for bets to stand. Bets stand irrespective of individual withdrawals. Any driver who does not finish the race or whose official classification is 1 lap or greater behind the winner will be deemed a loser.

Bets are settled on the first completed lap of the original race start. Any official restarts are disregarded, unless in the original race the first lap is not completed fully.

In this case bets will be settled on the first fully completed lap. In the event of one lap not being fully completed all bets will be void. Any driver who is deemed to have completed no laps on the official FIA Race Classification will be deemed winners. If a driver is not in position to start the formation lap bets involving that driver are void.

In the event of the specified number of laps not being fully completed all bets will be void. Select a driver's position at the end of the first fully completed lap of a named Grand Prix.Gerald and Carol, United States Express Iceland, May 2016 We loved your beautiful country and the wonderful scenery in every part. John and Linda, United States Iceland Full Circle - Winter, May 2016 We have traveled together for 42 years. Our Icelandic experience will be fondly remembered, it was very special.

We always felt welcome. We never had a bad meal. The scenery was no less than spectacular. Our thanks to everyone at Nordic Visitor.

Michael, Canada Iceland Complete, May 2016 We were thrilled with the accommodations and really everything about the tour.

Janet, United States Highlights of Scandinavia by car, May 2016 We had a great time on our trip. Jim and Dale, Canada The Natural Wonders of Iceland, May 2016 The tour exceeded our expectations and without a doubt it was one of the greatest vacations we have ever taken.

Julee and Matthew, United Kingdom Iceland Grand Tour, May 2016 Booking with Nordic Visitor was a wonderful experience. We absolutely love Iceland. The Iceland Grand Tour was well planned by Helga.

Perfect balance on the hotels. So much really useful information and tips on things not to miss. Really helped to take the stress out of the holiday with regards to booking the hotels and allowed us to focus on seeing the beautiful nature of Iceland.

Pam, Canada The Natural Wonders of Iceland, April 2016 Accommodation was better than expected and all the provided meals were top quality and representative of the country's cuisine. Too much to see and not enough time in each destination.

From the booking agents help to the overall transparency and guidance in the welcome package, we felt very comfortable and safe in a new country. Marcia, United States Iceland Full Circle - Winter, March 2016 Traditionally we book hotels ourselves when we travel. It was so convenient working with Nordic Visitor - having the route planned and the hotels booked. Great to have the Points of Interest marked as well. We found that 10 days was a nice vacation and overview of Iceland - but not enough time to really "get to know" the country and its people.

That's why we would like to go back. The hospitality at all locations was amazing. We had no problem with finding vegan food either. Everyone was so very accommodating. Thank you for assisting us in making our trip to Iceland a marvelous time. Stephen, United Kingdom Iceland Winter World, March 2016 Our whole experience of the holiday was one of relaxed efficiency, at each stage the pick up was there on time, the pack of information provided on our arrival by the delivery driver was thorough and comprehensive.

When our northern lights tour was cancelled we were given information via the hotel, a follow up phone call to the NV office was efficiently dealt with. At all stages through the booking process our NV advisor, Audur, was very helpful. It all made our wedding anniversary trip a very enjoyable relaxed holiday. Liz, United Kingdom South Iceland at Leisure - Winter, February 2016 We had a great time in Iceland and a lot of that was down to the email discussions, planning and preparation done by Sigfus on our behalf before the trip.

Everything ran smoothly and the whole trip was a joy. It was a pleasure to be able to meet him and thank him in person when we dropped our mobile phone off at the Nordic Visitor office at the end of our trip. He was friendly, nice, and funny. My husband and I had a blast riding with him in the van.During the registration processThese cookies will hold information collected during your registration and will allow us to recognize you as a customer and provide you with the services you require.

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Sports Betting RulesAmerican FootballIncludes NFL, NCAA College Football, WLAF, UFL, CFL and Arena Football. Team Totals, Odd or Even - Zero score by a team will count as Even for settlement purposes. Pre-Game Prop Bets Which EXCLUDE OvertimeFor the following markets the game must be completed for bets to have action:Double Result - Predict the result at half-time and end of regulation time.

For settlement purposes:-Half bets (2nd half will include any points scored in Overtime if played unless otherwise stated)Quarter bets (4th quarter will include any points scored in Overtime if played unless otherwise stated)Double Result - Excludes overtime if played.

Season PropsAll season props are based on the regular season matches only. For all spreads and totals bets Push rules apply. Australian RulesAll match markets will be settled including overtime if played unless otherwise stated. Matches not Played as ListedIf a match venue is changed then bets already placed will stand providing the home team is still designated as such.

Quarter BettingFor all quarter betting, in the event of a specific quarter not being completed bets will be void, unless the specific market outcome is already determined. Double ResultPredict the outcome of the specified match at half-time and full-time including overtime if played.

Team To Score FirstThe market covers any score e. Team to Score First GoalThe market covers Goal only for settlement purposes. Bets will stand on players that take any part in a match for Last Goalscorer purposes. Highest Scoring HalfIf both halves finish equal then bets will be settled as a tie. Race to 20 PointsBets will be settled on first team to reach 20 points.Powered and implemented by Interactive Data Managed Solutions.

Unanticipated side effects may include, but not be limited to, a case of the brown britches, vomiting, headaches, stomach and butt pain, and even death. When your lawyer finally convinces the judge to release you to your family on home confinement, try to avoid immediately walking out of the hearing and attempting to beat your confinement bracelet off in the middle of the courthouse lawn, or at least give the judge time to have lunch first.

Posters of encouragement are welcomed at your child's sporting event or at a political rally, not in the courtroom at your boyfriend's felony hearing. After convincing the judge to release you from jail while you've clutched your Bible and passionately persuaded him that you found Jesus in Pod A, please refrain from walking out of the courtroom and slapping said Bible in the bailiff's hand on your way out, stating "Here, I don't need this anymore. From the WVU Reed College of Media.

When choosing a fake penis to fake a drug screen, (aka the whizzinator) select one that actually resembles your penis and not one that appears to be a dildo poking out of your trousers. Faking an overdose in the courtroom will not void your trip to jail, only delay it with an unpleasant detour through the emergency room. There are many, many things you can sell on Craig's List. Your baby is not one of those things. When on the lam from the police, do not stop in a public place and volunteer for on the lam selfies with strangers, which can be tagged.

Couple arrested after trying to sell infant on CraigslistL. Our Starcraft 2 guide 2017 contains beginner tips and tricks, free to play details, strategy advice and build orders for the Terran, Protoss and Zerg races. StarCraft 2 is about to be re-released as a free to play title, allowing everyone to get a complete piece of the multiplayer action, as well as play through the Wings of Liberty Campaign.

Although Blizzard's RTS isn't quite the competitive powerhouse it once was in the wider esports picture, it still has a thriving community of players - and that should only get bigger with the relaunch in front of us.

Whether you're a lapsed player who's forgotten everything they ever learned about the game, or you're completely new to the franchise, we've got a guide that will get you up to speed on all of the basics of playing StarCraft 2.

If it proves popular, we'll expand on it over time with more advanced guides, although for now we think this'll get everything up to speed nice and quickly. Use the following links to quickly navigate to the section of the guide you're most interested in right now. Before we dive into the detail, here's what's what about both the game and the free to play re-launch.

Here's the lowdown on what the free to play version of StarCraft 2 entails, both in terms of what it provides, and what its limitations are:As mentioned at the start of this guide, there are three different races in StarCraft 2. Each one has a different selection of units to produce as the match develops, as well as a tech tree to pursue which lets you manufacture new units and structures.

Here's the lowdown on each one. Whichever one you decide to start with, we highly recommend that you spend some time studying the pages we've linked to over at the official Blizzard site. Although it's not essential that you memorise every last detail, you are strongly encouraged to at least familiarise yourself with the concepts in each case.

Terrans are the Humanoid race in StarCraft 2. They have a rather average unit cost, and their buildings can be built pretty much everywhere. They have good defense and mobility overall, and can repair both buildings and units. You can find out more about the Terran - and its individual units and tech tree - by visiting Blizzard's official Terran page.

Protoss units cost more on average but are extremely powerful. Any buildings created must be within a certain range of a Pylon, units can be warped into combat, and all structures and units have a shield which regenerates over time. To learn more about the units and research options for the Protoss, take a look at Blizzard's official page for the race. The Zerg race produce low-cost units in mass quantities and have one production building to manage. Buildings have to be built on a surface called creep, but this provides a speed advantage to friendly units travelling upon it.So it might be wise to make sure betting NFL is legal where you reside.

Be sure to return next weekend to view week 15 NFL odds. We'll post early odds on NFL football week fifteen games as soon as they are available. Check back for free updated Las Vegas NFL betting odds for the Super Bowl all during the time leading up to Super Bowl 51. If early Las Vegas odds for the Super Bowl are unavailable, offshore odds may be displayed in the interim. To make sure you've seen the latest NFL football odds on the Super Bowl be sure to return often for free updated NFL Las Vegas Super Bowl odds 2017.

And be certain to check out Pro Bowl odds too. Bookmark the NFL Odds Handicap Betting Page Feel free to bookmark the FootballLOCKS. If you're finished viewing NFL Vegas odds for Super Bowl LI compliments of FootballLOCKS. Be sure to return next season to view preseason odds. We'll post early odds on NFL football as soon as they are available.

Check back for free updated Las Vegas NFL betting odds all during the week of the conference championships. If early Las Vegas odds are unavailable, offshore NFL playoff odds may be displayed in the interim. If you're finished viewing NFL Vegas odds for the conference championship playoffs compliments of FootballLOCKS.

Be sure to return next weekend to view Super Bowl LI odds as well as the Pro Bowl. We'll post early odds on Super Bowl 51 as soon as they are available. To make sure you've seen the latest NFL football odds for week 17, be sure to return throughout the week for free updated NFL Las Vegas odds. And be certain to return next weekend for NFL wild card playoff game odds.

If you're finished viewing NFL Vegas odds for week seventeen compliments of FootballLOCKS. Be sure to return next weekend to view wild card playoff games NFL odds. We'll post early odds on NFL football wild card playoffs as soon as they are available.

To make sure you've seen the latest NFL football odds, be sure to return throughout the week for free updated NFL Las Vegas odds. And be certain to return early next season for NFL preseason Odds. Return next season to get FootballLOCKS.

If you're finished viewing NFL Vegas odds for this week compliments of FootballLOCKS. Be sure to return next season to view NFL odds for preseason games. We'll post early odds on NFL football preseason games as soon as they are available. To make sure you've seen the latest NFL football odds for week 16, be sure to return throughout the week for free updated NFL Las Vegas odds.

And be certain to return next weekend for NFL week 17 odds. Bookmark the Week 16 NFL Odds Handicap Betting Page Feel free to bookmark the FootballLOCKS. If you're finished viewing NFL Vegas odds for week sixteen compliments of FootballLOCKS.Predictive Modeling Applications in Actuarial Science emphasizes life-long learning by developing tools in an insurance context, providing the relevant actuarial applications, and introducing advanced statistical techniques that can be used by analysts to gain a competitive advantage in situations with complex data.

It relies on capturing relationships between explanatory variables and the predicted variables from past. Derrig, Glenn MeyersBiBTeX EndNote RefMan.

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This paper investigates the out-of-sample predictability of international bond risk premia. We endogenously construct a global common Cochrane and Piazzesi (2005) factor.

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We find that the global factor strongly predicts international bond risk premia and delivers economically significant gains relative to the historical average. The forecasting power of the global factor is above and beyond the predictive power contained in country-specific factors.

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As predicted by economic theories, bond return forecasts appear countercyclical. We also find that the global factor is related to international economic activity. Financial support from the Natural Science Foundation of China (Grant No. AbstractThis paper investigates the out-of-sample predictability of international bond risk premia. Recommended articlesView article metricsElsevierAbout ScienceDirectRemote accessShopping cartContact and supportTerms and conditionsPrivacy policyCookies are used by this site.

For more information, visit the cookies page. EconPapers Home About EconPapers Working Papers Journal Articles Books and Chapters Software Components Authors JEL codes New Economics Papers Advanced SearchEconPapers FAQ Archive maintainers FAQ Cookies at EconPapers Format for printing The RePEc blog The RePEc plagiarism page Option-Implied Equity Premium Predictions via Entropic TiltinG Davide Pettenuzzo (Obfuscate( 'brandeis.

We obtain predictive densities from a stae-of-the-art stochastic volatility (SV) model, which we then tilt towards the second moment of the risk-neutral distribution implied by options prices, while imposing a non-negativity constraint on the equity premium.

By combining the backward-looking information contained in the SV model with the forward-looking information from options prices, our procedure delivers sharper predictive densities. Using density forecasts of the U. Series data maintained by Leslie Yancich (Obfuscate( 'brandeis.

Is your work missing from RePEc. Here is how to contribute. Check the EconPapers FAQ or send mail to Obfuscate( 'oru. EconPapers Home About EconPapers Working Papers Journal Articles Books and Chapters Software Components Authors JEL codes New Economics Papers Advanced Search EconPapers FAQ Archive maintainers FAQ Cookies at EconPapers Format for printing The RePEc blog The RePEc plagiarism page Option-Implied Equity Premium Predictions via Entropic TiltinG Davide Pettenuzzo (Obfuscate( 'brandeis.

Page updated 2017-12-05 Handle: RePEc:brd:wpaper:99r. Economists have suggested a whole range of variables that investors could or should use to predict: dividend price ratios, dividend yields, earnings-price ratios, dividend payout ratios, net issuing ratios, book-market ratios, interest rates (in various guises), and consumption-based macroeconomic ratios (cay).

Most would have outright hurt. Therefore, we find that, for all practical purposes, the equity premium has not been predictable, and any belief about whether the stock market is now too high or too low has to be based on theoretical prior, not on the empirically variables we have explored. More summaries of NBER Meetings. He is also the Mitsui Professor of Economics at M. Mitch's Best Bets every single day at the lowest prices anywhere. Sign Up if (. Exclusive free offers just for Sports Chat Place newsletter subscribers.

We never sell, give out, exchange or do anything with your email. We hate spam too. It is true, this holiday season might not be drama-free with Mercury retrograde taking over almost the entire month of December.

However, the stars give you the tools you need to make this aspect work for you and not against you. Yes, it can be done.


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