text:
Since first introducing the Nine hardtails over six years ago, Felt has earned the reputation for "getting it right" among the most elite mountain bike riders. Getting the characteristics of a 29" hardtail exactly right in rider cockpit, weight distribution and center of gravity is difficult with bigger wheels and on smaller frames. This is where the Nine excels. Felt Nine provides no-compromise fit and performance, no matter which Nine model you are on.
Our Nine design criteria has remained clear: from geometry, to tube shapes, to rear triangle design, the Nine emerges in 2014 faster and more efficient than ever. Available in five sizes, the Nine is now a bike that fits one of the widest ranges of riders.
Top Nine models use Felt's proprietary Modular Monocoque Construction (MMC) carbon fiber for world-class ride quality and performance. These models provide the perfect blend of lightweight liveliness and durability. Our aluminum models have the same quick handling and compliant ride. They are built to climb and handle just like their carbon fiber counterparts.
So whether a World Cup XC pro or XTERRA devotee, a Marathon specialist or a recreational rider, there is a 2014 Felt Nine that is just right for you.
Take a Nine FRD frame and wrap it with a dream list of components, like SRAM's XX-1 drivetrain, XX brakes, Easton XC90 wheel set and a Rock Shox Sid XX World Cup fork, and you get a bike so advanced, the race course won't know what hit it.
The Nine 1 screams race ready; it's the perfect balance of incredible ride quality and razor sharp handling that help put you on the podium. The premium UHC Advanced carbon fiber Nine frame matched with full SRAM X0 2 x 10 components and a World Cup winning Rockshox Sid 100mm fork—you just need to supply the legs!
The Nine 2 is ready to race out of the box. The premium UHC advanced carbon fiber Nine frame is designed for incredible ride quality and a geometry that rips through miles of singletrack. Using a mix of Shimano Deore XT 2 x 10 components, a Mavic Crossride wheelset, and a Rockshox Reba RL 100mm fork, it's no surprise the Nine...
Built around the phenomenal Nine UHC performance carbon fiber frame, the Nine 4 delivers a balance of ride quality and low weight that is hard to find elsewhere. The Rockshox Recon Silver fork eats bumps while delivering precision control, and a solid blend of SRAM drivetrain and Avid brakes build the Nine 4 into a bike ready for a...


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subset: commoncrawl


text:
Sexual Citizenship and Human Rights: What Can the US Learn from the EU and European Law?
Fri, November 22, 2013 | Connally Center for Justice (CCJ), School of Law, Eidman Courtroom, Room 2.306
The conference will focus on several difficult issues at the intersection of sexual self-determination and human rights, including same-sex marriage and family, the potential and limits of anti-discrimination laws, transgender rights, sex work and trafficking, youth sexuality, pornography as it affects minors, and the regulation of sex offenders. Individual papers will explore European and American attitudes and practices on each of these issues, with the goal of presenting new conceptual paradigms for future reform efforts. The conference brings together academics, practicing attorneys and therapists, state policy makers, and activists from various points of view.
Attendance is free but registration is required.
Please see conference website: http://www.utexas.edu/cola/centers/european_studies/events/sexual-citizenship-and-human-rights/Sexual-Citizenship.php


text:
By the end of the month, the British Prime Minister, David Cameron, should have a copy of Lord Justice Leveson's report on what do do about the demon press.
Leveson has one of the more difficult tasks imaginable. How to improve the standards of the press while not trampling on the delicate flower of press freedom.
It is the issue the federal government has had trouble resolving in its grapple with the Finkelstein report on media ethics and accountability.
Next month, Leveson will be in Sydney and Melbourne, talking up his report and discussing privacy and media intrusion.
As something of a curtain raiser to the discussion that will take place here and there, a visiting London lawyer was on our shores last week.
Charlotte Harris is a media specialist and partner of Mishcon de Reya, a celebrated law shop that, among other things, handled Princess Di's messy affairs.
She also represents about 60 clients suing News International and its employees for phone hacking invasions of privacy.
She's a member of Hacked Off, the organisation that has done more than most to lobby government and prepare submissions about making the British press accountable in law.
She did the rounds here of the Australian Press Council, journalists and people on Finkelstein's team.
Harris and her colleagues are not quite so hung-up about finessing the delicate balance between freedom of the press and press regulation.
She wants an independent regulator, funded by the state, with teeth to enforce a proper code of journalistic ethics.
For anything less to emerge from Leveson would be a ''waste of time and money''.
Harris deflates a few of the popular myths about the evils of a decent regulatory system.
''They talk about a free press but the biggest censorship comes from the proprietors and the editors,'' she says.
''They abuse the notion of free speech. Sometimes, there should be thought given to fair speech.''
In Australia, she says, with one media baron dominating the landscape, ''you are already in a state of censorship''.
She warned, as if we needed to be reminded, that Leveson will be accompanied by an ''inflated and false moral outrage by the media'' - that is, bullying.
We know, because that was what greeted the Finkelstein report. We've seen incredibly pompous and leaden editorials in the Murdoch press, largely misstating the case about ''bringing the media to heel'', while the local News satrap, Kim Williams, threatens to take the government to court if it meddles with his luxurious patch.
Fairfax, too, has been critical of Finkelstein's proposed news media council. The cry is that a statutory body would endanger public interest journalism, such as the investigations into the Obeids, the Catholic Church, James Hardie, St John's College and so on.
Quite how that is so is hard to fathom, because none of those investigations, and many more besides, have fallen foul of the journalists' code of conduct.
People who helped the media inquiries, even in very minor ways, have also been attacked. There's a similar pattern. Confected notions of conflict were levied at media academic Margaret Simons, just as already in Britain the Daily Mail has whipped up a hysterical attack centering on David Bell, one of Leveson's ''assessors'' who is also a founder of the Media Standards Trust, which gave birth to Hacked Off.
Of course, there's more than a whiff of self-interest issuing from the ebbing presses of the great newspapers. Nonetheless, Leveson will issue a riveting report. His brief includes investigating the relationship between the press and the police, and the press and politicians.
Imagine what could be unearthed here, if a commission of inquiry was tasked with those delvings.
Tub-thumping and misinformation aside, what precisely are the objections to a truly independent statutory body, with government funding, charged to uphold a code of conduct to which mainstream journalists already theoretically subscribe?
Break that down a bit. By independent, I mean independent of government, Parliament and the press. By statutory, I mean legislation that requires the main publishers to be members of the body. How the obligations of membership are structured are many and varied but, at a minimum, it would mean an acceptance of the findings of the regulator and on appeal, the courts - just as members now are expected to accept the rulings of the voluntary Australian Press Council.
The substance of the enforceable requirements would be the existing media code of ethics, nothing more or less. Penalties should be fines or in extreme cases, waterboarding. Jail would be too good for editors and executives and in any event just makes them into martyrs.
Then there's government funding. This automatically throws up the bogyman of political control but other government-funded outfits that manage to operate independently - the ABC, the Productivity Commission, the Bureau of Statistics, etc - are not fingered as mouthpieces of the government of the day.
To try to head off what the press sees as the scariest possibility emerging from Leveson, Lord Black of Brentwood, the chairman of the Press Standards Board of Finance, which funds the voluntary Press Complaints Commission, has concocted a compromise model.
This is not the same person as Lord Black of Crossharbour, the Canadian born, ex-media tycoon and walking, talking thesaurus, who was recently set loose from a Florida prison.
Black of Brentwood, a Tory peer, wants the self-regulatory regime retained with powers to summon editors to give evidence, launch investigations and levy fines of up to £1 million ($1.54 million).
Imagine the screaming if the Press Council came up with something like that here.
What Black's saying is really an old refrain. If we make self-regulation look more meaningful, please, we beg you, give us one more chance.


text:
ST. LOUIS, Mo. -- At the first University Athletic Association volleyball round robin of the 2011 season, held at Washington University in St. Louis, the Brandeis University volleyball team dropped its first three matches. The Judges fell to NYU and the host Bears, who are ranked No. 2 in the nation, by 3-0 scores on the first day of action. On the second day, they were able to take a set but ultimately fell to Carnegie Mellon, 3-1.
In the opener against NYU, Brandeis played the Violets tightly in the first two sets before falling by a 25-22, 25-20, 25-13 score. Rookie outside hitter Liz Hood (Albuquerque, N.M./Albuquerque Acad.) topped the Judges with 10 kills, while classmate Elsie Bernaiche (Plantsville, Conn./Southington) had 15 digs. Sophomore setter Yael Einhorn (Cherry Hill, N.J./Cherry Hill East) recorded a double-double with 24 assists and 10 digs, one shy of a season-high. Junior middle blocker Becca Fischer (San Antonio, Texas/Clark) finished with three blocks (one solo).
Against the defending NCAA Division III runners-up from Washington U., the Judges dropped a 25-12, 25-12, 25-19 decision. Brandeis struggled offensively against the Bears, recording 15 kills and 13 errors in 89 attempts. Hood had six kills, while sophomore OH Si-Si Hensley (Fullerton, Calif./Troy) added four. Bernaiche had 12 digs, and Fischer contributed two solo blocks.
Brandeis and Carnegie Mellon split the first two sets, but the Tartans prevailed in the next two to emerge with a 25-15, 23-25, 25-12, 25-20 victory. Hood and Hensley led the offense against the Tartans with 14 and 11 kills, respectively. Hensley also recorded her third double-double of the season with 12 digs, one shy of a season-best. Hood fell just short with nine digs. Bernaiche led the team with 15 digs, while rookie Vanessa Bodie (Grand Junction, Colo./Fruita Monument) had 13 in her first significant playing time of the season. Einhorn had 29 assists, while six different players contributed blocks.
With the losses, Brandeis drops to 7-10 overall. They return to non-conference action on Thursday evening at 7 p.m. at Emerson College.


text:
Oracle dumped OpenSolaris in Fall 2010, and it is unclear if Oracle will continue to publicly release updates to ZFS, except maybe after they release their next major version of Solaris.
FreeBSD now has ZFS v28 available for testing.
But where did v28 come from? I notice that the main ZFS website does not show version 28 available. Has this website been abandoned? If so, where is the central website for the ZFS project, so that I can browse the repo, read the mailing lists, read the release notes, etc.
(I realize that OpenSolaris has been dumped by Oracle, and that they are limiting their ZFS releases to the community).


text:
Discover Your Dream Home
Donna Kantak
Realtor, SRES
Coldwell Banker Residential Brokerage
- Direct - 678.612.3044
- Office - 770.396.6696
Your Local Real Estate Connection
Get a positive, helpful partner for buying or selling a home:
- Trusted resource for answers about the process
- Innovative marketing strategies
- Expertise about neighborhood features
- Ability to target home searches
- Strong negotiation skills
- Support through the closing and beyond
Communities Served
Listings identified with the FMLS IDX logo come from FMLS and are held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request. © 2019 First Multiple Listing Service, Inc.
Last updated on Nov 20, 2019 1:03:pm.
Last updated on Nov 20, 2019 1:03:pm.


text:
41-year old patient, with previous history of a first suicide attempt in June 2009; he was admitted following a second suicide attempt by defenestration, on August 19, 2009.
The patient was admitted to the emergency room for polytrauma with severe cranioencephalic trauma with fracture and a depressed fronto-orbital fracture with external communication. The patient was intubated and ventilated, no pupillary asymmetry.
The body scan is provided.
My report:
Cranioencephalic space:
- Right frontal hemorrhagic contusions.
- Diffuse axonal lesions of the corpus callosum, internal temporal lobe, and mesencephalus.
- Acute subdural hematoma of the right convexity (9 mm thick) and 6 mm thick right temporopolar extradural hematoma.
- Moderate volume subarachnoid hemorrhage and intraventricular hemorrhage.
- Right-left subfalcine herniation and onset of right medial temporal herniation.
- Vascular aspects: aneurysmal dissection of the right internal carotid in its subpetrous portion, additional image on left lateral face of the left internal carotid in its intracavernous portion, strongly suggestive of posttraumatic pseudoaneurysm (contact fracture of carotid canal).
- Bony aspects: right frontal depression fracture with pneumocephalus. This fracture extends forwards to the orbit with displaced comminuted fracture of the roof, inducing grade II exophthalmos. It extends at the middle stage of the base of the skull with fracture of the right temporal condylar fossa, the greater wing of the right sphenoid bone, the walls of the sphenoid canal and the left carotid canal and finally with an extralabyrinthic fracture of the left petrous bone with no damage to the ossicular chain.
With respect to the face, Hemi-Lefort III on right (fracture of right pterygoid bone, fracture of the maxillonasal suture, and lamina papyracea, following by the frontozygomatic suture and zygomatic arch) with fracture line on the anterior and posterior walls of the maxillary sinus and fracture of the orbital floor with no incarceration. Fracture of the coronoid apophysis of the right mandible.
No posttraumatic spinal lesions.
Thoracic space:
Parenchymatous opacification of almost the entire left inferior lobe, with atelectatic component due to bronchial obstruction, all strongly suggestive of inhalation pneumopathy.
Non-displaced fracture of the middle arch of the 2nd right rib.
No other traumatic lesions (centro-lobular emphysema).
Abdominopelvic space:
No lesions of the intra-abdominal solid organs.
Hemoretroperitoneum following fracture of the pelvic girdle at 4 points:
- Separation fracture of the pubic symphysis
- Fracture of the right obturator frame
- Fracture of both sacral wings, vertical on the right passing through the sacral foramens, and transverse on the left.
Fracture of the right transverse process of L5.
No urological or vascular complications but very strong suspicion of urethral injury given the significant displacement of the symphyseal separation.
Comminuted fracture of the right greater trochanter.
Severe cranioencephalic injuries, Carotid artery dissection, Aspiration pneumonia, Pelvic fracture
- Transfer to the neurosurgical emergency department for surgical debridement of the craniocerebral wound and right frontal "contusectomy".
- Followed by administration of a curative dose anticoagulant treatment.
- Conservative treatment of the pelvic fracture.
The patient is still hospitalized in intensive care.
- A cranioencephalic arterial angioCT scan must be performed in the event of any fracture of the base of the skull and in the event of any severe facial injury. The subpetrous portion of the internal carotid and its intracavernous portion are the most vulnerable sites.
- Inhalation pneumopathy is systematized and predominantly affects the inferior lobes (frequently occurs following severe facial injury due to blood inhalation++).
- Suspect urethral injury in the event of a significantly displaced symphyseal separation, particularly in the presence of associated pre-prostate fat filling and/or an ischiocavernous muscle hematoma.
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About Jill
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Amy figure
Sep 16, 2017
Jill Vadala
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As an assault survivor and long time ptsd sufferer, I spent so many years hiding away from the world. I decided that I no longer wanted to live a life in fear and I reached out to Jill to help me fulfill one of my dreams. I knew that she would help me get into the best shape possible, but I never imagined the new found confidence and love of self that would emerge with training. She has helped me rediscover the woman I thought I lost so many years ago and her "Yes, you can!" attitude is highly contagious! It spreads through out the Team and you find yourself surrounded by the most hard-working and supportive individuals you can find. Each and everyone of them believing in you and eachother. I can't think of a better team than Team V. Jill, you are an amazing woman! Thank you so much!
Nikki M.
After being diagnosed with Grave's Disease in 2009 I gained on average 10lbs PER YEAR! After exceeding the maximum weight to maintain my standards in the Navy Reserve I knew it was time to for a change. I enrolled into kickboxing classes, began running, and cleaned up my diet (eating less). What I didn't realize was the amount of training I was doing and limited amount of food I was taking in was hurting me more than it helped me. After 7 months I was able to lose 10lbs, but still wasn't seeing the results I wanted to. In November 2013, Iset a goal to compete in a competition, and immediately started researching potential coaches. I was given the name of a number of coaches, Jill being one of them. I continued researching, but it was her name that stuck with me, despite the numerous names I found or was given – So, I took it as a sign. Within a week of being on my new meal plan, my abs appeared. 11 weeks later I competed in my first competition and have never been so happy. I couldn't have asked for a better coach. The running joke in my house is, husband: "baby, can you do/eat this…"; me: "I have to ask Jill." My coach…my team…love them to pieces.
What was in my head before this began... Can I do that? Will my legs really take a NEW shape? Will my butt actually fit in that TINY suit? Will I see this thing through from start to finish? Will I be in the BEST shape of my life? YES!!!! to everything!!!!! Jill helped me reach every goal I set for myself. At 41 with 2 kids I couldn't be happier and more proud of my body, my spirit, and my team. Cheers to Jill for changing my life :)
Christy T.
Jill, I remember seeing you for the first time at the gym and thinking that you had the best figure of any of the hard core workout girls I had ever seen! When I first laid eyes on you, something in me woke... up...a new desire to take myself to a whole other level. When I introduced myself, I was amazed even more by how friendly and approachable you were. Especially considering you were in the middle of training for a competition. Unlike some other people I have met over the years that can get irritable and crabby, your good nature remained constant the entire duration of your training! This only put you on a level even higher in my mind!
Katie Shaw
I was initially interested in trying a figure competition to 1) experience first hand what role nutrition played, and 2) see what MY BODY would look like and 3) find out what was in the gallon milk jugs these people always carried! My first obstacle, after receiving my first diet, was TRUST. How can I eat all this and get in a tiny suit? I followed the deit prescribed by Jill and went to a few posing clinics. 8 weeks later, thanks to her plan, I carried a trophy from my first of many figure shows. It's one thing to be on a team, but when you join Team V you FEEL like you are apart of a team. Jill and her husband Joe are phenomenal at comforting new people, kindling friendships, and getting RESULTS.
Alex Kelly Maartens
Wow... talk about being an inspiration. That's you!!! I can't wait to be on your growing list of success stories. When I look at the bigger picture, beyond the struggles of today, I see where you will take my body. I'm so excited to know that my dreams will become a reality. The changes already are so profound. Yet, I believe the results will far exceed my already high expectations of your capabilities. I would be lost without you and am so thrilled that I'm one of your 13 girls this year.
Joining Team V has been one of the best decisions I ever made! The training and support I have received have helped me achieve what I thought was the impossible! Not only does the training help you look good, but it teaches you discipline and budgeting skills as a by product of staying on taget! I recommend Jill to everyone who asks me how I've done what I've done!
I have been in the fitness industry since 2000 and a Marine for over 22 years. I have not just trained clients but run a business while writing books and articles for Men's Fitness magazine. As a Marine, I know professionals when I see them. Jill and Joe V exemplify all that's best in this industry! I need honest, effective, all-encompassing diet and fitness prep that's convenient! Their is no doubt in my mind..I could not have come so far, so fast without their guidance and support!
Jay Dee
I had been working out on my own and gained muscle to a point and eventually grew discouraged and frustrated with my progress. I had a hard time controlling my diabetes. One night my girlfriend asked Jill if she thought I had what it took to be on stage and Jill said yes. I immediately jumped at that. I looked at it as something to prove to a lot of people that even a diabetic on an insulin pump could compete! Jill has helped me achieve more than I ever thought. I have made huge gains all thanks to her guidance and knowledge. Without Jill I couldn't have done what I have. The way I see it, Jill and I are just getting started!
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Same 24/7 toll-free number, different name: the NHTRC is now the National Human Trafficking Hotline. https://t.co/wI3BL9X8pp #HotlineMondays
Polaris_Projecton 11/28/16 @ 2:19pm via @Polaris_Project
Tomorrow is #givingtuesday! Donate to Polaris as part of your end-of-year giving! https://t.co/0EpjIybdj1 https://t.co/sARWElGC6o
Polaris_Projecton 11/28/16 @ 12:19pm via @Polaris_Project
You can change the way survivors are mistreated and criminalized: https://t.co/YnPHvjFNrr


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We don't sell Trailer Queens. We Sell Drivers! 4942 Stevens Creek Blvd, San Jose, Ca, 95129
Stock # AM4101
Offered At
American Motors Custom & Classics is a new adventure i.e. Spin off of a hobby of a long time dealership owner. His passion is old vehicles from every walk of life. Bringing the classic back to life and giving it a new loving home.
American Motors Custom & Classics is your source for beautiful, pristine and functional vehicles that will bring back the beauty, touch, smell and feel of classic, restored, and original vehicles to back to you. With available financing, worldwide shipping combined with our 40 plus years in the automobile business, you are sure to find what your heart desires.
All advertised vehicles are subject to actual dealer availability. Certain vehicles listed may not be available, or may have different prices. Prices exclude state tax, license, document preparation fee, smog fee, and finance charges, if applicable. Vehicle option and pricing are subject to change. Prices include all dealer incentives. Pricing and availability varies by dealership. Please check with your dealer for more information. Prices do not include dealer charges, such as advertising, that can vary by manufacturer or region, or costs for selling, preparing, displaying or financing the vehicle. Images displayed may not be representative of the actual trim level of a vehicle. Colors shown are the most accurate representations available. However, due to the limitations of web and monitor color display, we cannot guarantee that the colors depicted will exactly match the color of the car. Information provided is believed accurate but all specifications, pricing, and availability must be confirmed in writing (directly) with the dealer to be binding. Neither the Dealer nor Fox Dealer is responsible for any inaccuracies contained herein and by using this application you the customer acknowledge the foregoing and accept such terms.


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Black Starry Knight Standard Fringed Moccs
Handmade Soft Soled Leather Shoes, Moccs, and Boots for Babies and Toddlers. Made in Corvallis, Montana.
Starry Knight Design creating unique leather soft-soled shoes since 2008, for tiny babies up to big kids. Made from re-purposed leather and vibrant custom dyed suede. Elastic sewn in backs of the shoes to keep them on squirmy feet without being restrictive. 40+ Fun, bright colored designs for every style. Starry Knight Design soft soled shoes stay on when babies start crawling; wonderful for feet and balance when they start walking; and perfect house slippers for bigger kids. Great leather soft-soled shoes for every child!
Starry Knight Design uses re-purposed leather and custom dyed suede pieces to create a variety of colors and textures on the soft-soled shoes. All designs are hand-cut for an original look on every pair.
Measure child's foot on flat hard surface. Order at least 1/2" inch bigger for room to grow.
Sizes measurements from outside of shoes
0-3 months---New -2... 4 inches
3-9 months-- 2-3........ 4.5 inches
6-12 months- 3-4 ....... 5 inches
12-18 months- 5-6....... 5.5 inches
18-24 months- 6-7….. .. 6 inches
2- 3 years- 8-9 ……. 6.5 inches
4-5 years- 10-11…. 7 inches
Cares instructions: For dry outdoor or indoor use. Not for wet conditions colors may bleed. Hand wash cold water mild soap and air dry.


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Shanda Consult Ltd.
73, Makarios Avenue
5th Floor
1070 Nicosia
Phone: +35722272300
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Book Tour and Activities on the Go!
About the Destination:
Mysore, a quintessential destination that brings out the essence of royalty, the bond between diverse range of traditions and culture, is a must visit destination in Karnataka! Offering lively glimpses of a bygone royal era, this rustic city is also known as the 'cultural capita of South Karnataka' and has a lot to explore and discover.
Located around 15km from Mysore, Srirangapatnam was once a part of the kingdom and is also jotted with several historical landmarks and places of interest. Among all these, the Sri Ranganathaswamy Temple, Tipu Sultan Gumbaz, Srirangapatna Fort and several others serve as the most popular ones. Recently, tourists have visited the place to participate in theSrirangapatnam cycling tour
Both these places today, stand as a testimony to the golden era of the profound Wodeyar dynasty and the valorous tales of Tip Sultan!
About the Activity:
This exciting Mysore cycling tour will take off from the scenic locales of Mysore! After all the participants gather around the Mysore Bed or the base of this tour at around 07:00 in the morning, they will be offered with their bicycles; breakfast will be served in between. Here onwards, an experienced guide will lead the group and lead them all through Srirangapatnam; several breaks with refreshments during this pedalling tour will keep the fun and energy of the group members alive!
Arriving in Srirangapatnam, visit the ancient and historical fort that is located on an island and is guarded by double layers of wall. Measuring around 1kmx4km, this scenic island is a lively spot surrounded by the gurgling Cauvery River and takes around 3-4 hours to reach form Mysore. The Srirangapatnam cycling tour is an ideal way for you to spend your time in the tranquil countryside of Karnataka.
While around the fort, you can get an insight about both of its religious and military significance. Also, as the terrains till Srirangapatnam are almost flat all through, you can expect a scenic ride without so many hassles and obstacles! With the completion of this exciting cycling tour of the island, you will be guided back to Mysore.
Duration: 3 Hours
Timings: 07:00AM (Starting Time)
Total Cycling Distance: 12-15km (approx.)
Difficulty Level: Easy
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Welcome to the 123rd Carnival of Personal Finance (The Boo! edition). October is a scary month. Not only is it home to All Hallows' Eve, it is also home to some of the scariest stock market crashes in our history. For this edition of the CoPF, I'll trace the history of some of the largest single-day market plunges that occurred in the month of October. To comfort us during these frightening times, I've also included some beautiful photographs taken by a good friend of mine (and used by his express permission). The pictures will help remind us that while money management is important, there are some things in life that money just can't buy. So with that, let's get on with the carnival. Each submission is organized by category, and I'll begin with my selection of the best articles of the week.
Editor's Picks
My Impulse Buy Savings Plan (@ Caustic Musings): "One of my unspoken personal vows to myself this year (call it an early New Year's resolution) was to stop buying so much crap on impulse."
How China Could Crash the US Dollar on a Whim (@ Currency Trading): "This article will go beyond forex reserves and discuss several other facets of China's economy. From US house prices to global commodity prices, from interest rates to inflation rates, we will explore how China could cripple the US economy, both willfully and unintentionally, if so desired."
Use Halloween to Teach Kids Money Lessons (@ Grad Money Matters): "How can one thing mean two totally different things to different people? Take Halloween treats for example. Kids are delighted by it. Parents, not so much. Candies filled with high fructose corn syrup and food coloring, and kids that are hyper-active with so much sugar intake that they literally bounce off the walls. It's every parent's nightmare and the perfect scary ending to the Halloween holiday! But here's a trick that will sound more like a treat – this unsavory situation can easily be turned into a money lesson for kids!"
36 Important Money Saving Tips (@ Frugal Journey): "Over the past year, I've written 100's of money saving tips, on a wide range of topics. Today, I've gathered all my favorites into one source. Now, the best of the best, is available right at your fingertips."
Change Your Child's Genetics By Giving Up The BMW (@ The Happy Rock): "We recently talked about financially changing your family tree as financial motivation, but for those of us needed some more convincing here is evidence that our decisions about money go much deeper than just dollars and cents."
List of money related forums and discussion boards (@ Might Bargain Hunter): "Discussion boards are a great resource and a good place to exchange ideas with like-minded people or, at least, people with interests similar to yours. Anyway, I hope you find this list of money-related forums useful; maybe you'll find a new favorite."
the myth of the parent that NEEDS to work (@ brip blap): "Many couples claim to be "forced" to work two jobs to make ends meet, but is it really "making ends meet" when you don't live a frugal lifestyle?"
I'm Responsible For One Of The Worst Interviews Ever (@ A Penny Closer): "After a few months at my new job an old work acquaintance (let's call him David) contacted me to see how I was doing. I explained that I liked the new position with this smaller company and he asked if I could get him an interview." And that's when the trouble began.
Personal Finance
Why Do We Read and Follow Money Tips But Never Become Rich (@ MoneyNing): "You are your own enemy! Hopefully the more you read about how humans work the more you stay out of your own way!"
Ten Tips to Prepare for Getting Married (@ Watch My Money Maker): "People preparing to get married should take some steps to make sure their finances are not a distraction from newlywed bliss."
My 'Success' Story (@ Canadian Dream: Free at 45): "This post is just a story of how I started out with a net worth of -$80,000 and turned it around to +$200,000 in 7.5 years."
When She Makes More Than He (@ Barbara Stanny): "I am submitting a blog post I did in response to Jean Chatsky's article on women earning more than men."
My Cousin's Birthday – I got the Present (@ Single Guy Money): "I got him a birthday card with a $25 gift certificate. He also got me a card. At the end of the dinner, he presented me with the card. Inside was a "Thank You" card and a copy of his savings account statement. He has managed to save up a total of $1000!!!"
Getting on the road to financial success (@ One Snarky Chica with Issues): "That was when I started realizing that I need to be better with money. Up until that point I was living life in the now and thinking that I would worry about retirement if I lived that long."
Car Buying Tips To Help with Your Holiday Season Car Purchase (@ Askpatty): "Many people know that no two drivers are the same, which is why we decided to get down to the fundamentals of shopping for a new car. We all have needs and getting help along the way will save us lots of effort and make us better educated buyers."
Life Insurance, How Much Is Enough? (@ The Road 2 Riches): "Life Insurance may be taboo to talk about because no one wants to talk about their mortality, but Life Insurance is something everyone definitely needs."
Playing Along at Home (@ Insure Blog): "It's Open Enrollment time again, and lots of folks are wrestling with health insurance choices. InsureBlog's Henry Stern tells about his own family's decision-making process, as they're going through it now, too."
Major Lack In Financial Education (@ The Financial Blogger): "This is an open letter to all governments. I am addressing this situation to all countries because I think it does not matter if you live in the USA or in Japan, our constant need for money is one of our biggest common points."
My Personal Finance 'Success Story' (@ Finance and Fat): "I wrote this for the Get Rich Slowly writing project. [H]owever, I thought it turned out to be a pretty inspirational post, and I think it can help someone else who is getting started at getting out of debt."
Live On Less Income – Give Yourself a Voluntary Paycut (@ Cash Money Life): "This article is about spending less than you earn, so you can have a financial buffer which you can use to pay down debt, invest, or be prepared for the worst."
To stay long or not to stay long? (@ The Wild Investor): "This articles looks at the dilemmas I face when trying to day trade rather then long trade, and, in turn, I share characteristics of each type of trader."
Tax FREE Money Market Mutual Funds! (@ Fire Finance): "Among the available choices we would like to highlight three muni funds (short term) because of their good reputation, high yield and most importantly their low expense ratios. We have considered mostly the short term muni funds."
Starting a Small-Cap Position in my Dividend Portfolio (@ The Dividend Guy): "Over the past couple of weeks I have been investigating whether small-cap stocks have a place in my dividend portfolio and how I should actually get small-cap exposure into my dividend portfolio."
Risk Assessment from The Wealthy Janitor (@ Rather-Be-Shopping): "Investing in stocks, by nature, carries with it more risk than investing in bonds. When I started investing in my retirement account, I remember asking my friend, "the wealthy janitor", should I invest my money more in stocks or bonds?"
The Stock Market Crash of 1987 (@ Fundmastery): "It has been 20 years since that memorable day when the Dow Jones Industrial Average fell over 22%."
Company Stock: Don't Put All Your Eggs in this Basket (@ No Paper Money): "If your current cash flow (salary) is controlled by Company A, why would you rely on Company A to provide your retirement income (401K) as well?"
Active Value Investing (@ Fat Pitch Financials): "A review of the new book, Active Value Investing, by Vitaliy N. Katsenelson."
How Much Does $20 A Week Amount To Over Time? (@ My Two Dollars): "I know a lot of people think that they cannot afford to save money because they have too many bills or don't make enough money every week to actually put anything aside. But for those of you in this situation, I wanted to point out how even $20 a week can add up over a long time."
13 Great Ways to Invest in Oil Without Buying Barrels (@ Stock Trading To Go): "Today oil futures hit a record high above $88 a barrel. Whether you like it or not oil prices are on the rise, and how far they go up is anyone's guess. If you are one the many bulls, then you may want to get invested."
Roth or Traditional IRA For Our Children? (@ My Wealth Builder): "Is it better for my daughter to use a Roth, where withdrawals are tax free, or a Traditional IRA, where contributions are tax deductible, for retirement savings? The answer is, "It depends" on whether one's retirement tax rate is higher, lower or equal to one's tax rate during time one is contributing."
Eastern Europe emerging stock markets (@ StockWeb): "Is is good time to pick cheaper Indian stocks (ADRs)? Or good time to exit? Here you have major Indian ADRs traded on US markets."
Real Estate
A Quick Method of Evaluating Real Estate Investments (with no translation into Canadian) (@ Two Wise Acres): "A quick way of evaluating real estate investments, although it may (or may not) work in Canada."
Preparing for a Move (@ Million Dollar Journey): "As we've already started our packing, here are some tips that I've put together in preparing for the move (mostly in hindsight)."
Why Your Home Will Sell Faster, For More Than the One Next Door (@ Silicon Valley Real Estate Blog): "Every showing is a job interview and by paying attention to what the condition of your home implies to buyers and how readily available the house is to show, you can help your home sell faster and for more than the one next door."
Homeownership Cost Cliches: Housing Myths Part 10 (@ Home Finance Freedom): "The last article mentioned that counting just 2 factors (inflation and maintenance/repairs) can cancel any supposed real-estate "investment" appreciation but there are many more costs that can turn home ownership into a loss: mortgage interest, taxes/insurance/fees, and opportunity costs of missed investments."
A Primer on Escrowed Funds (@ Bigger Pockets): "The parties to any residential transaction, including the brokers, should be aware of the rules and responsibilities that surround any deposit monies that are being held in escrow-the laws vary from state to state, so it is imperative that you familiarize yourself with the laws of the state that govern your particular transaction."
Frugality & Money Management
How I Live Without Using Credit Cards – My Simple System For Living On A Budget (@ No Credit Needed): "I spend every dollar, every month, on paper, before the month begins. I use YNAB Personal Budget (affiliate link) system – It's simple to use and works with my spreadsheet program. I deposit our paychecks into my local bank – and I can move money between my local bank and my online accounts, as needed."
Frugal ways to have fun without spending a lot on entertainment (@ One Girl's Quest): "One of the things about being in debt and trying to pay off that debt is getting creative. You do not want to sacrifice things like entertainment and going out but at the same time you really need to put as much money as possible towards some debt pay down."
Times When We Don't Keep A Track Of Our Dollars (@ Money, Matter and More Musings): "We don't always keep a track of our money. Here are a couple of examples in this post."
Redeeming the Spirit of the Latte Factor (for the frugal) (@ Mrs Micah): "So how can the latte factor possibly be useful to us? It can be encouraging, I think. Here's how."
The Positive Side of Limited Closet Space (@ One Frugal Girl): "Lately, I have been enlightened by the Voluntary Simplicity movement. Voluntary simplicity is the act of consciously minimizing the pursuit of consumption in favor of spirituality, health, stress reduction, and conservation. In essence, after reading up on the subject, my goal is to reduce the accumulation of 'stuff' in my life."
Five Words That Sum Up Our Debt Payoff Success (@ Blogging Away Debt): "We've been able to pay off a substantial amount of our debt with limited resources. The key to that success boils down to five words."
Five Money Saving Tips for renting cars (@ My Financial Journey): "My family and I are going to be making a cross country trip next week to attend a wedding and due to the fact that we have a 2 year old and a 3 month old we decided it was probably better to rent a van than cram everyone into my wife's Accord. I spent days calling around, doing searches on the internet, etc. and in the process think I learned a thing or too that I will share with my readers."
Cash burns a hole in my pocket (@ plonkee money): "Why is it that I can't keep hold of cash and do you have any tips that might help me?"
How to Save the Environment, Your Kitchen and Your Pocket Book (@ Quest For Four Pillars): "A blog action day post which tries to analyze the need for extensive renovations when perhaps a smaller makeover makes more sense."
Careers & Business
Lazy Man isn't Working and it's Okay – a Reflection by Energi Gal (@ Lazy Man and Money): "When Lazy Man first broke the news that his employer had decided to separate ways with him, I instantaneously began the 5 stages of grief."
Factoring, another way to get money for your business when banks say no (@ Gaizer): "Factoring is a short-term loan based on the financial strength of your accounts receivable (money owed to you). Factoring is useful when you have to meet your business obligations while you wait for your customers' payment for the products delivered or services supplied."
Passed Up for Promotion – Now What? (@ Money and Such): "How should you react if you are passed up for a promotion in favor of a lesser qualified candidate? What if you suspect discrimination? One of my readers faced this situation."
Some Americans Companies Are Now Going Job Onshoring (@ FILAM Personal Finance): "As you know, some of the services such as call centers, and other secondary services such as programming have been offshored to countries like India, Philippines, China, so that American companies can cut costs- The workforce is cheaper abroad. Companies are now returning these kind of services here in the United States by establishing their Information Technology branch in a town where the standard of living is not high."
Credit & Debt
5 Tips To Increase Your Credit Score (@ Smart Money Daily): "Many people do not realize how important their credit score is, but in reality, your credit score can have an impact on your job, your housing, and your ability to get credit and loans. Many people are dealing with problems that have caused their scores to drop, and it is not always easy to bring those scores back up. This article presents 5 simple tips."
Sound the Alarm! (@ Chris Karakas): "This article is in regards to alarming statistics that shows that some in America are not doing well managing their money."
Credit Card Fraud Prevention Comparison Preview (@ Ask Mr. Credit Card): "I will soon be doing an in-depth study on credit card fraud protection features offered by issuers. But here is a preview of what some of the larger issuers are doing."
Filing Bankruptcy–An Overview of Steps to Follow (@ A Bankruptcy Lawyer's Blog): "When it comes to filing bankruptcy, there are certain steps that you need to follow. Let me give you a brief insight into the same."
The Best Way to Get Out of Debt In My Humble Opinion (@ Rocket Finance): "This is not a paid endorsement and this link to their site will be a surprise to them, but I think that Realistic Financial is a great way to get out of debt."
I Think Dave Ramsey is a Hypocrite (@ Free Money Finance): "Is Dave Ramsey a hypocrite for railing against credit cards and yet accepting them on his website?"
Online Shopping Made Easy with Credit Cards (@ Doris Goes Shopping): "How many of you have experienced shopping online? Or how many have bought anything online? I began shopping online few years ago, thanks to the convenience of credit cards payment and the improved security payment systems in the Web."
Too Creative to be Categorized
Fair Game (@ Jon Swift): "Living in a free society means having the freedom to go into debt trying to pay for the cost of health care and having the choice to quit your job and take a job you hate because it offers health insurance or to sell your house and move into a homeless shelter to pay for medical costs. People who live in societies that have socialized medicine don't have these kinds of choices; they have to take the health care the government gives them."
The Mental Virus That's Keeping You Broke (@ Inspired Money Maker): "I have discovered a major Mental Virus that got installed in my mind at some point in my life and it's time to remove it."
How To Become An Efficient Procrastinator (@ Entrepreneur's Journey): "Over the past few weeks I implemented a method to help get the most from procrastination. This technique means you still procrastinate, in that you do something that is not exactly what you know you should be doing, but you still get results from your activities rather than waste time on idle tasks."
Talking the Talk with Your Almost Elderly Parents (@ Life Lessons of a Military Wife): "Sooner or later, you will need to have that talk. Follow these steps to buy peace of mind for both you and your parents!"
Assessing whether you should contribute to a political campaign (@ Money & Liberty): "The presidential campaign season is upon us, and that means the media outlets are talking all about campaign financing (and a little bit about the candidates' issues and platforms). It might even get you thinking about whether or not you should give money to you favorite candidate."
Green Electronics Guide: how do companies address the e-waste problem? (@ Money and Values): "Greenpeace has put together a consumer guide on how environmentally friendly various electronics companies are. Drawing attention to the serious and growing problem of discarded electronics (e-waste), it ranks the companies based on their use of toxic chemicals and their policies and practice around take-back and recycling of their products."
John Dingell – Little Man, Big Problems (for Your Wallet) (@ Debt Free): "Rep. John Dingell (D-MI) has unveiled his latest strategy to suck money from your wallet (and mine) in the form of a comprehensive tax increase package that promises to strip away one of the last tax breaks enjoyed by average Americans."
5 Steps to Greater Financial Happiness (@ Philby's Finance): "One question we rarely ask ourselves before taking that new, better-paying job, that promotion up the corporate ladder, or volunteering for that project requiring tons of overtime, is 'Will this extra money make me happier?'"
Top 10 Ways to Waste Your Money on e-Bay (@ Savings Advice): "If you made a splurge this week, don't be too hard on yourself. You could have purchased one of these things which would have been much worse."
Most Expensive Colleges (@ Campus Grotto): "The most expensive colleges are just about all in the northeast corner of the United States, being Ivy League type schools or fine liberal art schools in the New York area that boast low student-teacher ratios. Of course, most of these expensive colleges are private, as tuition is usually twice as much at a private school. These rankings are based on 2007-2008 tuition rates."


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Check in to your guest room at the Hilton Garden Inn Nashville Vanderbilt hotel and discover a room designed to help make your trip a success. Keep up to date with complimentary WiFi access and get some work done at the large desk. Relax as you watch a film on the flat screen TV or fix a favorite snack with a hospitality center that includes a microwave, refrigerator and coffee maker. The Garden Sleep System® bed will let you sleep deep and leave you refreshed for the next day. Step-up to a suite and enjoy the flexibility of a separate living area with sofa bed.
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The European debt crisis is making the front page, again. Moody has changed the outlook of Germany to negative and Spain is forced to borrow at more and more unsustainable rates. The fate of the Euro is more and more uncertain and while it is not certain, it is quite possible that Greece, and perhaps other Mediterranean countries, will abandon it at some point of the future. This, of course, would trigger a trust crisis which would in turn further damage the position of a currency which has no need for that. The value of the euro would fall and the chance of some state going bankrupt would greatly increase.
Of course, and contrary to what many doomsayers would like to believe, states can and do survive bankruptcies. Those familiar with the history of Denmark will remember, for instance, that Christopher II of Denmark pawned nearly his entire kingdom to German magnates between 1320 and 1332. Yet Denmark still exists and is still a kingdom. You see, states have an enormous advantage over corporations : they generally command the loyalty of their subjects and can therefore tax and draft them.
That is what Christopher's successor, Valdemar IV, did. He used his wife's dowry to get back some mortgaged lands he overtaxed to repay the rest of his debts. When that didn't suffice...well, a royal army in full array could be very convincing.
Closer to us, when the Bolsheviks seized power in Russia, they decided to repudiate the Tsar's debts, which caused a lot of complaining back in France (and still does, to some extend), but hardly more. States have defaulted on their debts or printed banknotes to inflate their way out of them. This is not without consequences, some of them drastic, but it certainly beats letting bad debts accumulate and smother your economy.
Those are, however, political decisions and that's exactly the kind of decision the European Union has been designed to avoid.
Western European Civilization, of which the European Union is the last incarnation (possibly as in Llywelyn the Last), formed during the dissolution of the Western Roman Empire from the fusion of Germanic and Roman culture under the Catholic Church. Unlike Chinese civilization, in which the unity of "everything under heaven" is an imperative and India, which hardly cared about political unity until it was forced upon it by the British Empire, Western Europe has always considered unification as a worthy goal, but consistently failed to achieve it.
The attempts at restoring the Western Roman Empire met with limited success. Justinian reconquered northern Africa and Italy, but failed in Spain. Charlemagne was crowned Roman Emperor and recognized as such by Byzantium, but held neither Britain nor Spain. Charlemagne's empire fell to civil war in 843 and its successor states were promptly besieged by Vikings, Hungarians and Bretons. Its existence, short as it was, enabled, however, the imperial idea to survive in both the Papacy, which came to consider itself as the supreme authority in Western Europe, and the Holy Roman Empire, which claimed the legacy of Charlemagne.
As often happens, the Papacy and the Empire undermined each other's legitimacy during the Investiture Controversy, a long struggle between Pope Gregory VII and Henry IV, Holy Roman Emperor (and their respective tame intellectuals) over who would appoint bishops.
While the Pope came out the victor with the Concordat of Worms in 1122, the Investiture Controversy paved the way for the affirmation of the kings (notably those of France and England) against both the Emperor and the Pope. As soon as in the XIIIth century, the French king declared himself "Emperor in his own kingdom". At the very beginning of the XIVth century, after the convenient but officially natural death of Boniface VIII while he was negotiating with the king of France's special envoy Guillaume de Nogaret, the pope recognized the authority of Philip IV over the Church of France in temporal matters.
When the Reformation fractured until then spiritually united Europe, the sovereignty of the kingdoms was too well established to be contested. This does not mean, however, that the idea of an European Empire had been abandoned. The Hapsburg of Spain and Austria during the XVIth century, Louis XIV of France during the Spanish Succession War and finally Napoléon Bonaparte tried to recreate it, under one form or another, and failed. The order the victors imposed at the Congress of Vienna in 1815 explicitly repudiated the imperial idea and was based upon a balance of power between the big European dynastic states and a guarantee of independence for the smaller players.
As the imperial idea seemed to recede in the background, a new conception of European unification appeared, which would lay the groundwork for the modern European (anti-)Union.
In 1795, the German philosopher Immanuel Kant authored a small book titled "Perpetual Peace: A Philosophical Sketch", in which he argued that war could be made to disappear through a new international order based upon the generalization of republican governments and the institution of the rule of law at the international level.
Obviously Kant's ideas were not immediately implemented, but they laid the foundations for what one might call an "international liberalism", based upon the refusal of international war, as its "mainstream" counterpart was based on the refusal of the ideological civil war. In both cases, the idea is that the only way to keep people (and countries) from killing each other is to appeal to their egoistical interest, by using the twin tools of the free market and the abstract law. One finds this idea, for instance, in Norman Angell's (in)famous pamphlet The Great Illusion, which argued in 1909 that war was now futile due to the formation of a global market.
The European Union, as it was created after the horrors of Nazism and the colonial wars, is, to date, the most achieved implementation of this principle. The predecessor of the European Union, the European Coal and Steel Community, was formed in 1950 to prevent another round of European wars (in itself a worth goal), through the creation of a common market for coal and steel.
To quote the then French Foreign Minister Robert Schuman :
The solidarity in production thus established will make it plain that any war between France and Germany becomes not merely unthinkable, but materially impossible. The setting up of this powerful productive unit, open to all countries willing to take part and bound ultimately to provide all the member countries with the basic elements of industrial production on the same terms, will lay a true foundation for their economic unification.
[…] In this way, there will be realized simply and speedily that fusion of interest which is indispensable to the establishment of a common economic system; it may be the leaven from which may grow a wider and deeper community between countries long opposed to one another by sanguinary divisions.
By pooling basic production and by instituting a new High Authority, whose decisions will bind France, Germany and other member countries, this proposal will lead to the realization of the first concrete foundation of a European federation indispensable to the preservation of peace.
[…] In contrast to international cartels, which tend to impose restrictive practices on distribution and the exploitation of national markets, and to maintain high profits, the organization will ensure the fusion of markets and the expansion of production.
The two initiatives which could have oriented the future European Union in a more political direction (the European Defence Community and the European Political Community) failed during the mid fifties and all subsequent treaties, even though they entailed significant sovereignty loss for the member states, followed the logic exposed by Robert Schuman's declaration, that is the construction of a common market, managed by an administration according to an agreed upon body of regulations.
Of course, an administration is emphatically not a political body. It does not set policies. It applies treaties as interpreted by the court of justice. It is a headless body, but a very powerful headless body which makes very difficult for member states to promote anything but the creation of a common market where the possibility of a meaningful political decision has been reduced to almost nothing.
The poster child for this is, of course, the European Central Bank. It is independent and receives no order from either member states or the other European institutions. At the same time, however, being an administrative body, it cannot change policy. By statute, it must keep price stability, whatever the situation and at any cost. Inflating the euro, and taking political responsibility for it, is simply beyond its capacities.
Of course, further "federalization" won't solve the problem, as this would mean, in the present context, giving the European administration more power to curtail the political actions of member states, without giving it the power, or the the legitimacy, to set policies of its own.
Fans of Isaac Asimov will remember the Second Foundation's undead empire, created by calculation and ruled by calculation.
The problem, aside from the fact that an unelected, unanswerable elite is always bad news, is that such a system can work only in periods of sustained growth. You see, if the cohesion of your society is only based upon a promise of ever increasing prosperity... well, let's say you'd better deliver.
With peak energy, economic growth is becoming more and more difficult to achieve. There may be still some efficiency gains to be made, but on the whole, the only way to create real wealth (not the administrative spending included as wealth in GDP measuring) is by taking it from a neighbor. That is what happens at the global level with the rise of China and the use of the financial economy by the USA to extract wealth from their periphery. That is what happen at the European level with the Euro acting now as a wealth pump, funneling the resources of the south toward France and Germany.
That means that the European debts are essentially unpayable. Without real growth they are bound to become even more so with every passing year, concentrating resources ever more in the hands of an ever smaller number of people. And of course, this will even worsen when oil production ceases to stagnate and begins to decline.
At some point somebody will have to emulate Valdemar IV, default on his debt or leave the Euro to inflate his way out of it. Bankers and traders won't be amused but will quickly learn that money doesn't command loyalty. Those who won't be able to run will then have an interesting discussion with a court... or a lynch mob.
The problem is that the European administration cannot take this decision. It is not a political body, it cannot change its policies, and those are liberal in nature. The first rule of a free market is that debts must be paid, no mater the costs and the consequences, and it is a rule it cannot break.
Nations states will have to do it, therefore, either together in some grand conference, or more probably alone, after the crisis has put some radical into power. When this will happen, the European Union will simply vanish as the USSR did after the August Coup and the Belavezha Accords. Those who still nurture the dream of a political Europe, whether it be the Europe of Regions of my own political family or the Europe as civilization of the volkish far right will have to accept, as I did, that Europe has become an hollow shell and that time has run out. It is around nation states, not necessarily the ones we know by the way, that Europe will have to face the long descent, until they too dissolve.
As for the dream of an unified Europe, it will have to wait for new empires to come out of the forests of the coming Dark Age, but, of course, by that time, it will no longer be the Europe we know.


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Blog blooddetective dr michael wald hypothyroid estrogen postmenopausal depression anxiety
Weight loss, poor memory, intestinal issues, hormone problems, pain, fatigue, muscle aches and pains…whatever your health concerns(s), Dr. Michael Wald, The BloodDDetective has the answers…naturally. The Blooddetective blog is filled with dozens of radio shows on just about every health topic that you can think of. "Ask The Blooddetective is Dr. Wald's weekly radio show covering nutrition and naturopatic, dietary and exercise, disease and health topics.
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|Home >> Course Descriptions >> College of Arts and Sciences
|American Political Behavior.
|Three semester hours.
|An examination of the behavioral aspects of American politics, including both mass and elite behavior. Topics to be covered may include public opinion, political participation (e.g., voting behavior), political parties, and interest groups.
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2013-14 Division I Men?s Basketball Player of the Week ? No. 5
By: Sam Knehans, Communications & Sports Information Intern
KANSAS CITY, Mo. – Preston Wynne of Vanguard (Calif.) has been named the NAIA National Division I Men's Basketball Player of the Week, the national office announced Tuesday. Wynne was selected based on his performances from Jan. 27 – Feb. 2 and was chosen out of a pool of conference and independent award winners.
Wynne, a 6-foot-1 senior guard from Wellpinit, Wash., led the Lions to victories over two Top 25 opponents last week. On Jan. 28, he scored 30 points on 10-of-19 shooting in Vanguard's 94-79 upset of then-No. 8 Concordia (Calif.). Then, on Feb. 1, he dropped 25 points as the Lions escaped with a 72-69 overtime win over then-No. 23 Hope International (Calif.). On the week, Wynne tallied nine rebounds, five assists and two steals, while averaging 27.5 points per game. He shot .944 from the charity stripe (17-of-18) and .353 from beyond the arc (6-of-17).
On the year, Wynne leads the team in points per game (18.16). He's also the leading 3-point threat (.404) and most consistent free throw shooter (.853) on the team. Nationally, he ranks among the top 20 in 3-point field goals made per game (14th, 2.895), total 3-point field goals made (17th, 55) and free throw percentage (17th, .853).
For a complete list of all the national statistical leaders, click here.
The next NAIA National Division I Men's Basketball Player of the Week will be announced on Feb. 11. For the complete Player of the Week calendar, click here.
Nominees: Craig Anderson, Lindenwood-Belleville (Ill.); Cordaryl Campbell, Tougaloo (Miss.); Denzelle Cook, Park (Mo.); Xavier Roberson, Our Lady of the Lake (Texas); Zack Kleine, Evangel (Mo.); Chris Cantino, Pikeville (Ky.); Jamaal Crayton, Oklahoma City; Joel Barndt, Rocky Mountain (Mont.); Kentorey Johnson, Coastal Georgia; Stephen Coles, West Virginia Tech.
2013-14 Division I Men's Basketball Players of the Week
Week 1 (Jan. 7): Dominique Rambo, SAGU (Texas)
Week 2 (Jan. 14): Phillip Miller, Wiley (Texas)
Week 3 (Jan. 21): Cameron Lewis, Fisk (Tenn.)
Week 4 (Jan. 28): William Nelson, LSU Shreveport (La.)
Week 5 (Feb. 4): Preston Wynne, Vanguard (Calif.)


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DNA extraction from FFPE? - (Nov/12/2009 )
Dear all,
I'm not sure whether this has come up before and I'm sorry if I may sound 'noob' with this question.
But I'm doing DNA extraction from archival FFPE tissues which spans from 2-5 years old. I've done the extraction and carried out a PCR run with beta actin housekeeping primers for a 500+ bp PCR product but failed to observe any bands.
I read that its possible that the FFPE tissue may have been fragmented to sizes <500bp in size. So to verify DNA presence I used Nanodrop to check the yield and the quality. Turns out that there's a concentration of around 100ng/ul with 260/280 of 1.97 and 260/230 of 1.73 which to me seems fine.
My question would be, even after carrying out PCR using the housekeeping primers, I couldn't see a band whereas the positive control I used (which was DNA from swabs BTW) shown a band at the 500+ region. Could there be any other reason asides from fragmentation? And if that's the only explanation, what could I do to verify that the DNA has indeed been fragmented??
And the follow up question will be, should I design another primers which may detect smaller bp sizes in order to help detection of the fragmented (if so) DNA?
Thanks in advance
Fragmentation shouldn't affect yield or quality. I'd run a sample of your DNA on a gel with a 100bp ladder to check how fragmented it is. There could also be inhibitors that are inherent in FFPE samples in your DNA that are not affecting the absorbance readings. Diluting the DNA more and/or using BSA in your PCR reactions might work. Whether it is fragmentation or inhibitors, using primers that amplify a smaller sequence can help as well.
Your DNA will be fragmented for sure. I'd simply re design primers to amplify ~200bp.
You can also check that there is no inhibitor left in your extract by mixing your extract and fresh DNA.
BSA is good. Just make sure it's a non-acetylated one 9so you can use a lot).
if it still doesn't work, I'd add a few PCR cycles and maybe a bit more Taq.
Good luck.


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Before we head out for our summer vacation let me quickly post about our last destination during our winter break to Rajasthan.
After Mandawa in Shekawati and Gajner Palace in Bikaner, we reached our final destination Jaisalmer.
We decided on a very simple accommodation called Garh Jaisal which is actually a small haveli in the Fort converted into a hotel. What drew us to this place was that we were literally perched on the Jaisalmer fort and our room had a view to die for!
We could see the whole sand coloured Jaisalmer city from our room!
The sleepy city at dawn:-)
The major highlight of Garh Jaisal was the amazing hospitality of the owners and the superb rooftop terraces, where you can just sit, soak up the winter sun while watching the friendly pigeons, or drink loads of hot ginger chai while enjoying the view of the city or do absolutely nothing!
Hope you all have a great summer vacation:-) Will see you soon!
(images by Arch)


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The Art of Teaching, part of the Foundations for New Staff course, is required for all teachers new to the adult education (AE) field. This two-day, 10-hour course includes 9 hours of face-to-face time and 1 hour of online work. During the course, you will explore the latest research and promising practices of teaching while reflecting on your own craft. Topics include adult learning and development theories, curriculum and planning, formative and summative assessments, and high-quality, engaging, and coherent instructional practices that reflect high expectations for all students regarding content, quality of effort, and work.
This professional development activity/course is designed for:
- Staff new to the AE field who have been employed for 12 months or less
- Experienced educators who want to review the newest research and promising practices on effective teaching
This course will help you create a vision of effective teaching in the AE classroom. Instructional and formative assessment strategies are modeled throughout the course, and you are encouraged to share your own best practices. The elements of effective lesson planning will be explored, including:
- Writing measurable learning objectives that align with the College and Career Readiness Standards for Adult Education (CCRSAE) and the Massachusetts ESOL Curriculum Frameworks
- Developing appropriate summative and formative assessments
- Developing high-quality, engaging, differentiated, and coherent instructional practices to engage all learners
You will become familiar with the CCRSAE and be able to describe how the standards can help your students be college and career ready. The importance of continual self-reflection for professional growth is discussed and modeled throughout the course. The course uses the Massachusetts Adult Education (MA AE) Educator Growth and Evaluation rubric as its base.
The Massachusetts Department of Elementary and Secondary Education (ESE) requires all teaching staff in an ESE-funded AE program to complete Foundations for New Staff: The Art of Teaching within the first 12 months of employment. Teaching staff do not need to take this course if they were previously employed at an ESE-funded ABE program and already possess a certificate of completion from the Foundations course or from its predecessor, New Staff Orientation.
Note: Successful completion of Foundations for New Staff: Overview of the Adult Education Field is a prerequisite for this course.
SNOW DATE: April 7
Upon completion of this professional development activity/course, you will be able to:
- Use the MA AE Educator Growth and Evaluation rubric as a tool for self-reflection to strengthen your teaching practice by determining two of your professional strengths and two areas for further professional growth
- Provide an example of how to apply an adult learning theory and an adult development theory when designing effective and appropriate instruction for adult learners
- Describe two classroom strategies teachers can use to support student persistence in their class
- Explain four instructional practices, methods, or activities that promote the learning and growth of all students
- Describe four elements of a well-structured instructional unit or lesson to promote the learning and growth of all students and to support college and career readiness as outlined in the MA AE Educator Growth and Evaluation rubric
- Explain two ways that the CCRSAE and/or the Massachusetts ESOL Curriculum Frameworks can be used to strengthen your classroom practice
You must have successfully completed the online course Foundations for New Staff: Overview of the Adult Education Field prior to attending this course. A new session of Overview of the Adult Education Field begins on the first of every month, and you can register on the SABES Calendar www.sabes.org
The Art of Teaching is designed for people to take both face-to-face sessions with the same cohort of teachers, in the same training, in order to provide the most effective learning situation. Therefore, when you register, we ask that you commit to the Day 1 and Day 2 face-to-face dates for that training.


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In the United States union finaincials are available for revue, so at least they get caught doing it.
Union Corruption 2012: Big Labor's Federal Rap Sheet.
America's labor unions have amassed quite a federal rap sheet in 2012. According to the Justice Department, union officials nationwide have been arrested for or convicted of embezzlement, extortion, bribery, racketeering, money laundering, fraud, and witness tampering so far this year.


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Helen Catherine Carrigan Natale was my maternal grandmother's sister. I always remember my Nana talking about Aunt Helen that lived in Brooklyn and in my distant memory I remember her, but she died when I was just 2 years old. I guess I just remember Nana's stories so well. I remember her children and us going to New York to visit our New York relatives and them coming to our house a few times. And every year when watching New Year's Eve on TV my mother would always say" I wonder if the Natale's are there?"
Well a few years back my mother's best friend was out from California for a visit. I was asking her some questions about my mother's family and she says, "you do know that Aunt Helen was Nana's half sister?" I was floored and did not know anything about this. So I set out to find out more. So after a couple of tries I received Helen's death certificate from New York. Well that was confusing from the start! The informant was her husband, Louis Natale. It had her birthplace as New York? and her father listed was Emil Carrigan, mother was Catherine Gunther? Well my grandmother's father was Emil Gunther and her mother was Catherine McCarron. So I was thinking that Uncle Louie had reversed the last names and that her mother was also named Catherine. So continued to look for information. I tried to fine a marriage record for her but could not find one in New York or Philadelphia. I found them in census records and she was listed as born in Pennsylvania and that her oldest child, Anna Natale was also born in Pennsylvania. Then a couple of years ago I found another tree on Ancestry with her in it. I contacted the owner and found they were one of her great grandchildren. They had her in the tree with the maiden name of Carrigan. Told me that was the name they knew. Had only recently heard the name Gunther. I had the copy of her death certificate on my tree and I think it was the first time they saw it. This great granddaughter helped me with names in photos and it was great. then last year she said that her mother, Helen's granddaughter was to be in touch with me. So I gave her my phone number and on St. Patrick's day last year I had a call from my cousin Helen. We talked for a long time and I said I would send her what I had on Emil and sent that off snail mail. When I talked to her again she said that her Aunt Anna could not have been born in Pennsylvania because she new that her grandparents had not lived in PA. So another mystery?
So I had a breakthrough a couple of weeks ago when I found a new set of indexes for New York on Ancestry. In it I found the marriage record for Helen Carrigan and Luigi Natale. So I went to the NY City Archives and ordered the marriage certificate and record and called Helen to tell her I found it. Then yesterday it arrived! Her name was on there as Helen Carrigan and she was born in Philadelphia. Her father was listed as John and her mother was Catherine McCarron! So I had been going on the assumption that her father was Emil Gunther and the three sisters had the same father. But I was wrong, they had the same mother! and who is John Carrigan???? So when I called Helen this morning to tell her what I found I also had another idea to give her about Anna being born in Philadelphia. Anna was born 1 Oct 1914 and Catherine McCarron Gunther died 17 Sep 1914, just a couple of weeks before. So with the information that this was Helen's mother, she was most likely in Philadelphia for her mother's illness and death and did not get back to New York before having her child. I have a copy of Anna's death certificate so next I am seeing if Pennsylvania has a birth record for her.
So I guess you know that once again I have found that you should not give up because you never know how long it could take you to find the answer. I just looked at the date stamp on Helen's death certificate, February 4, 2003. So I have been working on this for 9 years.
So have fun and keep looking!!!!


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The iPad is by far the top-selling tablet computer ever, and I've noticed more and more lately that professors, hospital business people and trainees are carrying them around to meetings and seminars. If you recently bought one (or received one as a present) but haven't found all the great apps yet, here are a few to get you started. I find these most useful, and they will likely appeal to a broad audience.
Evernote: This app helps you "remember everything." This amazing, free application lets you capture notes on your phone (iOS or otherwise), laptop or desktop, or iPad (of course) and have them automatically synced to all devices. Notes can be text, pictures, webpages, audio – your imagination is the limit! For instance, I've used Evernote to capture tables of data from papers that I might want to refer to later and tagged them with terms that I'm likely to search for that might not be in the title of the paper.
Simplenote: For an even simpler note-synching application that focuses on text-only notes, try Simplenote. It's a clean, fast interface that syncs with the desktop application Notational Velocity. In fact, I like it enough that I use it to take brief notes in courses and meetings.
Agenda: The built-in calendar app on your iPad is fine, but I like the look and feel of Agenda for iOS much better. It's been described as elegant and intuitive, and I'd add "pretty powerful," too. Get your calendars from wherever they currently may be hosted (Google, MS Exchange, Mobile Me or just start fresh), and see all of them color-coded in daily, weekly, monthly or yearly view.
Remember the Milk: Stay on top of your busy research program, coursework and personal life with this fun, free task-list app. Make lists, tag tasks, add notes – go crazy; it does it all! As would be expected, it syncs with your phone and is even location savvy (on the phone). The super cute icon is just a bonus!
iAnnotate PDF!: Read, search, annotate and share PDFs. For example, mark up those journal articles you are reading with notes about all their research flaws or about things to look up later. You can also sign all the necessary forms and other annoying paperwork you'll receive in graduate school and beyond. It's Dropbox-friendly too! However, you'll want a stylus for this app.
Instapaper: Don't you hate it when you're surfing the Web and find a great article but don't have time to read it right then? If you're like me, you might keep it open in a tab to read later, but sometimes this can backfire. Instapaper lets you save websites with a single click for reading later from any Internet-enabled device, and, as a bonus, it strips out all the advertising and annoying page contents other than the text you want to read. You can also download the pages for offline reading. I love this while traveling on non-wifi-enabled airlines!
Pubmed on Tap: When you want to search the literature for the answer to your burning question, try PubMed on Tap. Free full-text articles are always available, and if your institutional library offers access to articles from off campus using EZProxy, that's supported, too, for the non-open-access journals. Save articles to your personal library for later perusal, and you can even open the PDFs you have downloaded in iAnnotate PDF! using the "open in …" button.
HHMI Bulletin: This iPad-only app is a hidden treasure in the app store. It's a beautifully rendered general scientific magazine published quarterly. Everyone's bound to find something of interest, and the graphics are pretty amazing too. A great read for the bus/train/plane or just on a day in lab when you don't have too much to do.
Promega: I've tried out many life science companies' free apps, and I have to say Promega's comes out on top for usefulness. It includes lots of useful information about general molecular and cell biology protocols including videos and animations, some useful calculators (conversions galore!), a restriction enzyme tool, and in case you need anything else, quick links for contacting Promega by various methods.
DailyCalcs: This free little app from Invitrogen does what it says – calculations – and has some useful cell culture references if you're new to the area or even if you're experienced at cell culture. Do you know offhand the surface area of a well of a six-well plate? This app has the info if you need to calculate plating densities based on other sizes of plates. (Answer: 962mm2)
ASBMB has an app for the Journal of Biological Chemistry (unsurprisingly called JBC) where you can browse the current issue, previous issues and special collections. Read science to your heart's content wherever you might be!
That's a small sample of the 325 apps I currently have on my iPad. I hope you found something new to try!
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