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Independence Day: Four Ways to Let Go of Your Kids
You know you should cheer on your child's growing freedom. And you do — mostly. But for the part of you that wants to hang on just a little too much, we offer four important lessons.
Independence Day
The other day I realized a half gallon of milk had gone bad in the fridge — and I almost cried. That's because my kids, 16 and 15, recently decided to leave our little house in the sticks and move into town with their father, 12 miles away. And on some days, reminders like sour milk or empty laundry baskets still sting.
It shouldn't have surprised me. After all, they're now just minutes from friends and school. They get to sleep an extra half hour in the morning. And as much as they say they like my new husband and the three stepsiblings who occasionally visit, they're very clear that this whole blended family idea was mine, not theirs. Yes, it's not as if I didn't know they'd be leaving pretty soon anyway, what with college looming in the near future. But did it have to happen so soon? Ouch! While I'm putting up a fairly brave (and phony) front, it's obvious to everyone around me: I'm lousy at letting go.
I'm not alone. Hyperparenting — that 100 percent involvement in every aspect of our kids' lives — is epidemic. In fact, being in on such decisions as whether they take Spanish or French in middle school and what the average ambient temperature in their college dorm room should be is almost the norm. "When other parents see you stepping back and allowing your child to make a mistake, for example, or not showing up at every single basketball game, some see it as neglectful," says Madeline Levine, PhD, author of The Price of Privilege (HarperCollins).
It doesn't have to be that way. Letting go will always be complicated. But you can do it with a little grace, boosting your children's independence and easing your own angst. Take a look at how to make it work for your kids — and for you.
Lesson 1: Letting Go Starts Now, Not Later
Repeat after me: Your children are wired to build a separate identity. "Most of us just don't notice it until they turn into teenagers," says Missa Murry Eaton, PhD, an assistant professor of psychology at Penn State Shenango in Sharon. Baby boomers — who don't think much of aging themselves — have sidestepped the issue by not letting their kids grow up. Only a generation ago kids in their early 20s were marrying, starting careers, and having children of their own; today parents are increasingly regarding young adults as overgrown kids, helping them out financially, even encouraging them to live at home. "We used to refer to people in their 20s as grown-ups," says Eaton. "Today psychologists call this period 'emerging adulthood.'" Some college kids are even referring to themselves as "adultalescents."
An acquaintance recently scolded me for letting my 16-year-old get her learner's permit, saying, "I'm making my kids wait until they're 18 to drive." (She's not alone in pushing for a delay: Massachusetts is considering raising the age of driving to 17 1/2.) In a heartbeat I went from feeling like a good mom, responsibly guiding my daughter toward an important milestone of independence, to a reckless parent.
Only later did I realize how warped this ever-escalating sense of protectiveness is. At 16 I was driving to an after-school job. My mother was operating tractors at that age. And my grandmother — with no money, no job, and no English-language skills — was hopping a boat to America by herself, knowing she'd probably never see her parents again. So how could I doubt my own daughter was capable of parallel parking?
Take-home test: Brainstorm with your husband for some new "rights" your child might be ready for: A later curfew? A checking account? Moving into an off-campus apartment? Then, talk with your teen about new "responsibilities" she could take on to earn those rights, such as doing more chores or making a small contribution toward family expenses.
Lesson 2: Good Parenting Means Doing Less
We live in an era when parents are judged by how many fundraisers we chair, how involved we are with our kids' research projects, and how carefully we police MySpace pages. But all these well-intentioned actions have a downside: self-centered kids who have minimal problem-solving skills.
What's more, hyperparenting deprives kids of input from other adults. "When we trust coaches and teachers to be in charge, it tells kids, 'I know you'll do fine in the world without me,'" says Richard Bromfield, PhD, author of How to Unspoil Your Child Fast (Basil Books). Save the intense involvement for real problems. For the rest of the time, do you have to know every quiz score?
Take-home test: Imagine you've been abducted by aliens and that your child has to do everything for herself. Let her figure out how she'll get to the movies, find clean clothes, or start her science project. Ask her to schedule herself a dental appointment. Don't be surprised if she doesn't like it. Kids swing back and forth between neediness and independence. "That's okay," I say, when my son complains he can't find any clean socks in the chaos of the laundry room. "Growing up is messy."
Lesson 3: Kids Need Safety Skills, Not Overprotective Parents
Pamela Miller Hornik is raising four kids, 6 to 12, in California's Silicon Valley. "I pride myself on things like having them get their own breakfasts and make their own beds," she says. Still, when her 12-year-old offers to venture out for a gallon of milk or her 10-year-old asks about crossing a busy street, she balks. "Even when I do let them go, I insist they bring a cell phone," she says.
Part of the problem is the fierce conviction among parents that the world is filled with people truly intent on hurting children. "And just when I convince myself that a lot of my fears are baseless, I'll get an e-mail from the school warning me about known pedophiles on the playground," says Pamela. "I wonder how rational these fears are, and if parents use them as an excuse for stopping kids from developing their independence."
Pamela's dilemma is real, says Bromfield. "But parents have to avoid sheltering kids so much that they short-circuit experiences that teach kids how to cope with life as a grown-up."
Take-home test: Think preparation as well as protection. When Sarah Piazza's son, 10, started fourth grade this year, she and her husband decided he was old enough to ride his bike to school alone. A few other parents, angry that their kids were now requesting the same privilege, quickly let her know that they thought she was being reckless.
She stood her ground. "It was less than a half mile on well-monitored streets, and we practiced with him over and over," says Sarah, who lives in State College, Pennsylvania. "I know that there's a small risk, but it's acceptable and necessary if I'm going to raise a child who's able to make his own way in the world."
Lesson 4: Overparenting Isn't Just Bad for Kids, It Also Hurts Parents
Admittedly, there are parents who enjoy building their whole lives around drama practice and the lacrosse schedule. But for most, all this helicoptering is sucking the fun out of family life, says Peter N. Stearns, PhD, provost at George Mason University in Fairfax, Virginia. "We see parents getting worked up and truly anxious about day-to-day problems their college-freshman child is going through, and it's unnecessary," he says. "These are almost always minor issues a child could — and should — straighten out without any help." In fact, according to Eaton's research, parents who are overinvested in their kids' lives are more likely to be depressed.
Take-home test: First, admit that letting go hurts. "Sure, you'll still be your child's mother, but with each step it will be less hands-on than it's been," says Levine. "If kids see you're developing your own interests, they won't have to worry about leaving holes in your life when they move on with theirs."
The day after the incident with the spoiled milk, I was sitting in a coffee shop downtown when I noticed a messy red topknot happily bouncing down the street — my daughter! My knee-jerk reaction was to worry: Wasn't she supposed to be at work? I thought about running out to get a hug or to ask where she was going. Instead, I sat still and decided to just watch her walk by, enjoying the sunny afternoon on her own.
And yes, it still hurts right now, that my son and daughter are not living with me full time. But soon they'll call college home, and not long after that, have places of their own. I smile, the very last one to get the joke: To my kids, home is where they are, not where I am.
College Prep
Get your new high school graduate ready for the next big adventure.
- Give your teen a personal-skills checkup. She should know how to do laundry and manage finances like day-to-day spending, checkbooks, and charge cards (including those nonstop offers). If you're providing spending money, explain how that will work. Will you make monthly deposits? Weekly? As needed? How will she access it? What exactly is it supposed to cover?
- Talk about time management. College schedules are vastly different from the ones in high school, and the workload may be more demanding. "Your child should expect to spend three hours preparing for everyone hour he spends in class," says Eaton. Encourage him to track his activities in a calendar — on his computer or in a book — blocking out time for sleep, study, classes, and play (as well as work and athletic training, if they're part of his life).
- Explain that it will be your teen's responsibility to manage her health by eating right and getting enough rest. "Sleep and nutrition are two areas where students tend to break down," says Marjorie Savage, parent program director at the University of Minnesota in Minneapolis. Make sure she knows where the college health center is and how to make an appointment. She should also know her own health history.
- Plan to be moderately involved with your student, says Savage. How often you speak, IM, text message or e-mail will depend on your child's personality and how he's adapting, but once or twice a week is about right. "Somewhere between the every day and not until Thanksgiving," advises Savage.
- Make sure your child knows who she can contact at the school for immediate help — the RA on her dorm floor, a dean, the counseling center, etc. You'll both feel better if she has the name and number of at least one specific go-to person.
Originally published in the August 2008 issue of Family Circle magazine.


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Microsoft, Adobe Announce Security Tools, Partnership
At the Black Hat conference on Wednesday, Microsoft and Adobe announced that Adobe would be releasing advance vulnerability information to security vendors through Microsoft's existing MAPP (Microsoft Active Protections Program).
Separately, Microsoft announced the release of a tool to opt applications into Data Execution Prevention (DEP) and Address Space Layout Randomization (ASLR) even when they are not designed to do so.
MAPP is a program through which outside security vendors can obtain technical details of vulnerabilities from Microsoft in advance of Patch Tuesday or whenever the formal disclosure will happen. This allows those vendors to prepare updates to their own systems to account for the vulnerabilities and have them ready for their customers when the disclosure hits the streets. For instance, since they joined MAPP, IPS vendor SourceFire has had signatures ready on Patch Tuesday. Microsoft claims that MAPP results in up to a 75 percent reduction in the attack window for vulnerabilities.
Now Adobe will be releasing early vulnerability to the same 65 MAPP partners. These partners, typically security software vendors, have a billion customers worldwide. It's widely acknowledged that Adobe products, and Reader in particular, are the most widely-targeted these days, and MAPP cooperation means that customers will be receiving faster protection against vulnerability in those products.
In a briefing on the partnership, Brad Arkin, Adobe's Senior Director, Product Security and Privacy, called MAPP "the gold standard" for sharing vulnerability information. Together with MSVR (Microsoft Vulnerability Research) and the Exploitability Index, announced the same time, MAPP has greatly enhanced the ability of dilligent users to protect themselves.
But some programs get attacked even before patches are out against vulnerabilities. For these situations, Microsoft designed stack checks, DEP and ASLR, features in Windows designed generically to block vulnerability exploits from gaining program control. The problem is that developers have to be mark their programs to use these features and, many years after they were released, many programs still don't opt-in.
Microsoft's new EMET (Enhanced Mitigation Experience Toolkit) addresses this problem by allowing the user to opt programs in to DEP, ASLR and Structured Exception Handler Overwrite Protection even if those programs have not opted in on their own. EMET won't be available for download until some time next month.
Originally posted to the PCMag.com security blog, Security Watch.
Originally posted to the PCMag.com security blog, Security Watch.

subset: commoncrawl


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Founded in 1909, the University of Oklahoma College of Law is one of the great public law schools in the United States with small sections and class sizes that encourage a strong sense of community, accomplished faculty with international expertise and a state-of-the-art facility featuring study rooms, courtrooms and classrooms equipped with the latest technology. As Oklahoma's only public law school, OU Law is currently the academic home of approximately 500 students enrolled in the Juris Doctor, Master of Laws, Master of Legal Studies and various dual degree programs. The University of Oklahoma Law Center is the parent entity of the College of Law. The Law Center also includes the Donald E. Pray Law Library, OU Legal Clinic, Department of Legal Assistant Education, Oklahoma Law Review and American Indian Law Review.
The University of Oklahoma College of Law, as part of the Oklahoma Law Center, seeks to provide a dynamic intellectual community dedicated to teaching and learning, research and service in the pursuit of law and justice as its students incorporate their legal training in preparation for the practice of law, judicial service and other leadership positions in Oklahoma, the nation, and the world.
The College of Law has progressed quite a bit since Julien C. Monnet founded it and in 1909. From its humble beginnings of Dean Monnet, two faculty members, and 47 students, the College of Law has grown to become the preeminent legal institution in the state. In 1914, thanks to the incessant lobbying of state legislators by law students for funding its construction, the college moved into its first permanent home, Monnet Hall. The 47,000-square-foot Law Barn, as it was affectionately known, was home to the college for 62 years. As the home of the College of Law, it was witness to many events in Oklahoma (and American) history, including the admission of then-future OU Regent Ada Lois Sipuel Fisher, the first black woman admitted to the College of Law, in 1948. Other notable graduates include former US Senator and current OU President David L. Boren, former Oklahoma Governors Frank Keating and Brad Henry and former Oklahoma County District Attorney and current Dean Emeritus Andrew M. Coats. Despite the additional square footage built onto the rear of Monnet Hall, the Law Center, which the College of Law and its associated entities came to be called in 1971, outgrew the building, forcing a relocation to its current home on Timberdell Road in 1976. But it didn't end there. Adding the American Indian Law Review to complement the established Oklahoma Law Review, expanding clinical legal education, and generally striving to meet the increasing demands of legal education in the late 20th century caused OU Law to once again outgrow its facilities. In October 1999, the ground was broken on a $19 million construction and renovation project which ultimately added 80,000 square feet to the facility, featuring the 58,000 square foot Donald E. Pray Law Library and the 250-seat Dick Bell Courtroom. The new library features the Chapman Reading room, modeled after the reading room in Monnet Hall, with a parquet floor reminiscent of the floors in the Louvre. The Donald E. Pray Law Library, which is open to the public, boasts the largest law collection, public or private, in the state. The Dick Bell Courtroom is one of the largest and most technologically advanced courtrooms in the region, if not the nation, and hosts live trials from the various courts in central Oklahoma. The Bell Courtroom has hosted appellate cases from both the Oklahoma Court of Criminal Appeals (including a death penalty appeal) and the US Court of Appeals for the 10th Circuit, as well as civil trials from the US District Court for the Western District of Oklahoma.
Programs taught in:
- English (US)


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Etched Square Pendant - Bird Solid
Etched Square Pendant - Bird Solid
Two-piece reversible cutout pendant; top pendant is cutout to reveal the etched quotation underneath. Bottom pendant is antiqued to reveal the etched letters. 100% USA-made brass with professional finishes in matte gold, matte rose gold & matte silver. Measures 17MM (5/8-inch) and comes with matching 24-inch ball chain: chain will be the color of the top piece.
Choose any combination of colors & quotes. Items pictured are for reference only and will be replaced by your choices of colors & quotations.
Top Color:
Bottom Color:
Add To Cart


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A sandstorm was kicking up at Ben Gurion International midday last Friday, winds bad enough to cancel the departure ceremony for President Obama's winning trip to Israel. But in a sheet metal trailer on the tarmac, Obama was calming another storm, three years along and finally running out of bluster. In the box with him was his host, Israeli prime minister Benjamin Nentayahu. In Netanyahu's hand was a cell phone. And on the other end of the line was the prime minister of Turkey, Recep Tayyip Erdogan.
As arranged in advance by Obama and diplomats from all three countries, Bibi read out an official apology for the nine lives lost on the Turkish vessel Mavi Marmara in May 2010, when Israeli commandos boarded the aid ship en route to breaking Israel's blockade on the Gaza Strip. Netanyahu's words, along with a promise to compensate survivors and continue to ease strictures on the Palestinian enclave, ended a diplomatic cleavage seated in sheer cussedness, and restored what one Israeli diplomat calls "the triangle" – made up of the two most stable and prosperous democracies in the Middle East, and the superpower that needs them on the same side.
If that was all that went Erdogan's way last week, he might have come in second to Obama, whose tour of Israel left the supposedly wary Jewish population something close to twitterpated. But Erdogan had already pulled off a diplomatic coup of his own — and just one day earlier: Abdullah Ocalan, the imprisoned head of the insurgent Kurdistan Workers' Party, known by its intials in Turkish as the PKK, had agreed to end the country's bloody 29-year civil war and bring the Kurdish struggle into the realm of representative politics. In the space of two days, Erdogan – once jailed himself for an Islamist proclamation – had brought to life the foreign policy slogan of Turkey's modern founder, the rigorously secular Kemal Ataturk: "Peace at home, peace abroad."
(MORE: New Day for the Kurds: Will Ocalan's Declaration Bring Peace With Turkey?)
The story of "Turkey's Triumphs" appears in this week's print edition of TIME, available to subscribers here. It lays out the implications for the American strategy in the Middle East of the tentative rapprochement between Jerusalem and Ankara — closely allied before Erdogan's rise to power. Burying the hatchet should pay off first for Washington in Syria, the country coming apart between Israel and Turkey. Both have huge stakes in the outcome of that Arab nation's civil war, but while Turkey has been deeply involved in sheltering and arming the rebels, Israel has taken pains to stand back, keenly aware that even the perception of support for the uprising will be unhelpful, given its standing in the region. The exception is Syria's arsenal of advanced weapons, including chemical and biological arms; the Jewish state has already interceded once , and says it will again if they detect them falling into the hands of Hizballah or other terror groups.
But history may well show that, if it holds, the pact with the Kurds will be of greater significance. Turkey is home to perhaps half of the world's at least 30 million Kurds, the largest population still seeking a homeland of their own, after being promised one, then denied it, as European leaders were drawing the map of the Middle East after World War I. The uprising Ocalan began in 1984 claimed 40,000 lives; it sought secession for most of the war sought. Kurds now say they will be happy with equal rights and some form of cooperation with fellow Kurds across the borders in northern Iraq, western Iran and in Syria – where a Kurdish party allied with the PKK has won a measure of autonomy by keeping out of the civil war. Its accommodation with the PKK may well give Ankara a new measure of influence in what happens with Syria's Kurds. It already enjoys close ties with Northern Iraq's Kurdish government, to the point of cooperating on building a pipeline from the oilfields of Kirkuk, bypassing Baghdad. Iraq's Kurds, in turn, have a history of cooperation with Israel. So in a way, what Obama did in the trailer in the sandstorm on the runway was to close a circle. It's far from a perfect circle, though, especially given Erdogan's ardent support for the Palestinians, including Hamas. The day after receiving the apology, he announced he was considering a trip to the Gaza Strip. Washington said it wished he wouldn't.
But the Turks figure they're on a roll, as Erodgan's top advisor, Ibrahim Kalin, told TIME's Pelin Turgut: "The apology in particular presents new opportunities for the moribund Middle East peace process, which the Obama administration has tried to revive without much success. We are aware of the obstacles to the realization of the two-state solution, including the occupation of Palestinian territories and the illegal settlements," Kalin said. "But it is not impossible to establish peace and security for both Israelis and Palestinians, each having its own state and enjoying a free and dignified life."
MORE: How Barack Obama Brought Turkey and Israel Back Together


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I Am in Austin
I am in Austin, Texas. That means I am on Central time, which is two hours different than when I was in L.A.. All times listed on my schedule are Central time so please be aware of the time change when you book a reading and adjust accordingly. Also, the number to call for a phone appointment is 512-953-5611. Thanks for following me to Texas.
Follow my updates via email!
My Thoughts: "I believe the ability to see what's beyond – whether that be the current situation, past lives or the future – is but a road map to help in life when life becomes muddled and confused. If I help even one person to understand the why of things and their soul purpose, I feel I am following my path and accomplishing my personal journey. And I am always grateful for the opportunity to help."


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A marine expedition recovered a record-breaking haul of silver bullion from a shipwreck three miles below the surface in the North Atlantic Ocean.
Treasure hunting firm Odyssey Marine Exploration located the sunken British cargo ship SS Gairsoppa, which sunk in 1940 carrying 7,000 tons of cargo, including 61 tons of silver valued at $210 million.
Odyssey located the ship in September 2011 on a salvage contract with the United Kingdom Department for Transport, and will get to keep 80 percent of the value under the agreement.
The 1,574 ingots recovered, added to another 1,218 ingots recovered last year, makes up 99 percent of the insured silver reported on the ship when it went down.
Both the amount of precious metal and the depth from which it was recovered are all-time records.
"This was an extremely complex recovery which was complicated by the sheer size and structure of the SS Gairsoppa as well as its depth nearly 3 miles below the surface of the North Atlantic," said Greg Stemm, Odyssey's chief executive officer, in a news release.
The 412-foot, steel-hulled cargo ship was first engaged in 1919, shipping for the British India Steam Navigation Co. of London between Australia, India, East Africa and the Far East.
It departed Calcutta, India, in December 1940, and joined a convoy in West Africa. Difficult weather separated the Gairsoppa from the convoy and it was attacked by a German U-boat, all but one of its 83-member crew killed and the ship sunk by four torpedoes fired on Feb. 17, 1941.


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Product Description
Here is your chance to own a complete set of three (3) beautifully colorized 2016 Presidential $1 U.S. Coins featuring three U.S. Presidents: Richard M. Nixon, Gerald R. Ford, and Ronald Reagan. Each coin is beautifully enhanced in permanent full-color by the Merrick Mint to highlight the original design using a unique colorizing process, which involves the application of special inks directly to the surface of a coin. The result is an everlasting colorized coin collectible of ultra-high quality that is #1 in the industry. Each coin features a common reverse design of the Statue of Liberty and a unique Presidential portrait design on the obverse. Each coin is genuine legal tender of the United States and comes in an acrylic coin holder and includes a Full Color 2-sided Certificate of Authenticity. The United States Mint issued three Presidential $1 Coins this year. These coins feature large, dramatic artwork and edge-incused inscriptions of the year of minting, or issuance, E PLURIBUS UNUM and the mint mark. The inscription IN GOD WE TRUST appears on the face of the coins. The size, weight and metal composition of the Presidential $1 Coins are identical to that of the Native American $1 Coins. These are the last 3 coins released...only 3 coins for 2016.


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Establish a Social Influence Marketing Game Plan
Marketing via social media means marketing directly to influencers — rather than consumers. And social influence marketing (SIM) requires a whole new game plan. Establish your SIM campaign with these tips in mind:
Develop social influence marketing (SIM) guidelines for your organization. It provides critical guidance for your employees as they practice social influence marketing.
Establish clear objectives for your social influence marketing efforts. Don't experiment for the sake of experimenting.
Create a roadmap for your social influence marketing efforts to help you plan resources, conduct research, coordinate marketing programs, and deploy new tactics.
Define your metrics for success up front before you execute your roadmap.
Recognize that SIM programs don't have neat end dates. Plan your resources and budget carefully to allow for continuous nurturing.
Make sure you understand your customer base — who talks to each other and who influences who — before launching any program.


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PHILADELPHIA — Ginger supplements reduced markers of colon inflammation in a select group of patients, suggesting that this supplement may have potential as a colon cancer prevention agent, according to a study published in Cancer Prevention Research, a journal of the American Association for Cancer Research.
Suzanna M. Zick, N.D., M.P.H., a research assistant professor at the University of Michigan Medical School, and colleagues enrolled 30 patients and randomly assigned them to two grams of ginger root supplements per day or placebo for 28 days.
After 28 days, the researchers measured standard levels of colon inflammation and found statistically significant reductions in most of these markers, and trends toward significant reductions in others.
Inflammation has been implicated in prior studies as a precursor to colon cancer, but another trial would be needed to see how ginger root affects that risk, Zick said.
"We need to apply the same rigor to the sorts of questions about the effect of ginger root that we apply to other clinical trial research," she said. "Interest in this is only going to increase as people look for ways to prevent cancer that are nontoxic, and improve their quality of life in a cost-effective way."
Zick is a naturopathic doctor (N.D.), which is a four-year degree that supplements a traditional medical education with instruction on the proper use of natural therapies, diet, nutrition and other alternative treatments. Her program is one of eight in the country, compared with about 135 traditional medical schools.
The study was funded by a National Cancer Institute grant.
The mission of the American Association for Cancer Research is to prevent and cure cancer. Founded in 1907, the AACR is the world's oldest and largest professional organization dedicated to advancing cancer research. The membership includes 33,000 basic, translational and clinical researchers; health care professionals; and cancer survivors and advocates in the United States and more than 90 other countries. The AACR marshals the full spectrum of expertise from the cancer community to accelerate progress in the prevention, diagnosis and treatment of cancer through high-quality scientific and educational programs. It funds innovative, meritorious research grants, research fellowships and career development awards. The AACR Annual Meeting attracts more than 18,000 participants who share the latest discoveries and developments in the field. Special conferences throughout the year present novel data across a wide variety of topics in cancer research, treatment and patient care. The AACR publishes seven major peer-reviewed journals: Cancer Discovery; Cancer Research; Clinical Cancer Research; Cancer Epidemiology, Biomarkers & Prevention; Molecular Cancer Therapeutics; Molecular Cancer Research; and Cancer Prevention Research. AACR journals received 20 percent of the total number of citations given to oncology journals in 2010.
Media Contact:
Jeremy Moore
(267) 646-0557


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Starting MSRP from * $34,900
Albuquerque - Chevrolet Express Passenger
The Chevrolet Express Passenger is the Albuquerque's answer for turning up the morning commute. The aggressive lines and bold stance will raise your heartbeats with just a glimpse at the Chevrolet Express Passenger. Albuquerque, this amazing sports car is awaiting your arrival at our dealership. Learn about its world class features from our expert staff. Experience the innovative technology of the Chevrolet Express Passenger in Albuquerque, NM. Inside, you're enveloped in comfort and complete control, with vital stats at your fingertips. Step on the gas and feel the raw power that's contained underneath the hood, and experience the rush that only these legendary bloodlines can create. It's time to awaken your senses in Albuquerque. Experience the Chevrolet Express Passenger at Reliable Chevrolet and never look back except when checking the competition in the mirror.


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You may have questions about how to get the most from your retirement savings: Which retirement plans should I contribute to first? What's the most I can contribute? How do I choose my investments? We've got the answers.
Where to Put Your Retirement Money
You can save for retirement using several tax-deferred accounts, but sorting through them all can feel overwhelming. Here's how to prioritize where to invest your money.
1. Employee plans. If your employer has a 401(k) or similar retirement plan and matches your contributions, participating in that plan should be your top priority. That match from your employer is essentially free money, so always contribute at least enough to earn the full amount.
Another benefit: Traditional 401(k) plans allow you to put aside money on a pretax basis. Because your contributions aren't included as income when you file income taxes, they reduce the amount you pay to the IRS today.
In recent years, many employers have begun to offer Roth 401(k) plans. With a Roth 401(k), your contributions are taxed as income, but those contributions and their earnings will be available tax-free when you retire. Many employers who offer a matching amount allow you to direct the match to a Roth 401(k), which can magnify the tax advantages for you.
Depending on your situation, one or both of these 401(k) options may make sense.
Review the material provided by your employer so you understand the vesting schedule for your plan. That's the timetable that determines when you can take full ownership of the money your employer has contributed. For example, a company may give you 100% ownership of its contributions after you've worked for the company for three years, or it may take a more gradual approach in which you own a progressively higher amount of the money over, say, six years.
When making career decisions, be sure to keep the vesting schedule in mind. If you're thinking of changing jobs, it may pay to linger until you reach the next vesting milestone. Otherwise, you could lose some or all of the money your employer has added to your 401(k) plan.
2. Roth IRAs. These individual retirement accounts are a do-it-yourself option that allows tax-free withdrawals during retirement, as long as your account has been open five years and you're at least 59½ years old when you start tapping it. Because of that generous treatment later, your contributions aren't deductible now. Also, you can only contribute to a Roth if your income falls below certain limits. If you withdraw your earnings before you're 59½, you'll face a 10% penalty and ordinary income taxes. But you can withdraw your contributions whenever you like.
Consider a Roth IRA if:
- Your employer doesn't offer a Roth 401(k) and doesn't match your contributions, and "tax-free" appeals to you.
- You've reached the maximum contribution limit in your employer plan.
- You don't qualify for a traditional IRA.
- You think you'll be in a higher tax bracket when you retire.
- You like the ability to tap your contributions for other financial goals without paying taxes or penalties.
- Your spouse doesn't have earned income. You can make a contribution to a Roth on his or her behalf under the spousal IRA rules.
3. Traditional IRAs. A traditional IRA may be your next-best investing strategy. Like Roth IRAs, they let you take retirement planning into your own hands. Depending on your income and whether you're covered by an employer retirement plan, you may be able to take an income tax deduction for the money you contribute.
You then delay paying taxes on your contributions and any gains until you withdraw the money. Don't tap it before you reach 59½, though, because you'll owe a 10% penalty on top of whatever taxes you incur.
Consider a traditional IRA if:
- Your employer doesn't match your contributions.
- You've reached the maximum contribution limit in your employer plan.
- You (or your spouse) aren't covered by a retirement plan, but you can't contribute to a Roth because your income is too high.
- You think you'll be in a lower tax bracket when you retire.
4. Guaranteed savings annuities. If you've made the most of the first three options, a guaranteed savings annuity can be an excellent choice. This is a tax-deferred retirement-savings vehicle that has no contribution limits (as long as it's not held inside an IRA). Regardless of income, anyone can put money in an annuity.
There's no tax deduction for your contribution, but you'll sidestep taxes on your interest until you make withdrawals. Like IRAs, withdrawals before 59½ are subject to a penalty and taxes on the earnings.
Unlike IRAs, however, when you retire, you can turn your annuity savings into income that's guaranteed to last your entire life. Until then, guaranteed savings annuities protect your money against losses and accumulate interest. Since annuities are sold by insurance companies, the financial strength of the company providing the annuity is an important consideration. Companies such as A.M. Best rate and review insurance companies across the country.
Reaching for the Max
Can you have too much of a good thing? When it comes to tax-deferred retirement accounts, the government seems to think so. There are limits on how much you can contribute to them in a single year, with one wide-open exception: There is no IRS limit on how much you can add to annuities held outside IRAs.
|Contribution Limits*
|Type of Plan
|Younger Than 50
|50 and Older
|Roth and Traditional IRAs
|2012: $5,000 2013: $5,500
|2012: $6,000 2013: $6,500
|401(k), 403(b), 457(b) and Thrift Savings Plan
|2012: $17,000 2013: $17,500
|2012: $22,500 2013: $23,000
|Guaranteed Savings Annuities
|No limits if held outside an IRA
* The amount of your contribution can't be more than your taxable compensation for the year.
Choosing Your Investments
After deciding on which types of accounts you'll use to save for retirement, you'll need to think about how to invest within them. Diversification is key -- that's the strategy of combining many different types of investments that won't all increase or all drop in value at the same time. Diversification doesn't guarantee you'll earn a profit or prevent you from losing money.
There's a way to achieve diversification while taking into account how long you'll put your money to work. It's called a target fund, and it's become widely available in employer plans and IRAs. These funds come in a series that allow investors to pick one based on the year they plan to retire. For example, if you plan to stop working in the year 2030, you might choose a Target 2030 fund. The fund manager will gradually adjust the types of investments held in the fund, making them more conservative as your retirement gets closer.


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Nursing Agencies In Free State
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Nurses Can Join A Team That Offers:
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Please email or call us anytime - 24-7, weekends and holidays – and we are ready to take your call on 0860 204 204 to register. Contact us for registration information.
(Our office is open in Cape Town for registrations 8:00am - 5:00pm, Monday – Friday.)


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Rules Differ for Palin at Military Bases
Updated 2:51 p.m. Eastern Time
Two military bases, two different sets of rules for Sarah Palin.
The U.S. Army will allow the media limited coverage of Palin's appearance at Fort Bragg but bar reporters from interviewing her or her supporters on the post, officials said Thursday.
At Fort Hood, meanwhile, officials say there will be no such limits.
"We're treating this like any other celebrity book signing tour," Bruce Zielsdorf, the deputy public affairs officer at Fort Hood, told Fox News. "It's part of selling a book -- you go different places and you're popular and people come get your autograph."
Texas' Fort Hood, of course, was recently the site of a shooting rampage that left 13 people dead. Palin's December 4th visit to promote her memoir, "Going Rogue," was reportedly planned before the tragedy.
Fort Hood officials reportedly view Palin as a private citizen, not a public official, and will thus allow troops and their family members to take pictures with her. Were Palin an elected official or engaged in a campaign for office, they say, those photos would not be allowed.
Fort Bragg officials take a different view of Palin, and have decided to treat her more like a political figure.
A Fort Bragg spokesman initially said the Army would ban the media from Palin's book signing next week, fearing it would turn into political grandstanding against President Barack Obama. After The Associated Press and The Fayetteville Observer protested, Col. Billy Buckner said the post would permit restricted access.
A small pool of reporters will be allowed to view and document the event but will be barred from the interviews. The public will be allowed.
Buckner said the more limited setup will allow reporters their right to access while preventing the appearance from turning political - something that officials believe would violate policy.
"If media are present, they can capture the imagery of what's going and sort of the ambiance of what's taking place," he said.
Fort Bragg, which is base for some 35,000 soldiers, does not hold many promotional events, especially not with political figures. Officials said they worried that media coverage would turn the appearance into a chance for people to express political opinions "directed against the commander in chief."
"The main reason is to stop this from turning into a political platform," said Fort Bragg spokesman Tom McCollum. "There are Army regulations that basically prohibit military reservations from becoming political platforms by politicians."
Palin has agreed not to give a speech, McCollum said. Palin will sign her new book for people and will not stop to pose for photographs, officials said.
Palin began a promotional tour this week for her memoir, with plans to travel through several states that were key to the 2008 election, including North Carolina. She made several stops in the state while campaigning on the ticket of GOP presidential nominee John McCain.
McCollum said it's not clear if military officials consider Palin a politician but noted that she has been critical of Obama while promoting the book. She said in an interview with ABC News that Obama should provide more troops to Afghanistan.
"It frustrates me and frightens me - and many Americans - that President Obama is dithering around with the decision in Afghanistan," she said.
Palin doesn't appear to be using her book signings to promote her politics. She spoke briefly to supporters in Michigan on Wednesday, saying it was great to be there and not mentioning Obama.
At least one person in the crowd yelled: "Palin power. 2012, yes."
More Coverage of Sarah Palin:
Hundreds Line Up for Palin Book Signing
McCain Aide Nicolle Wallace: Sarah Palin's Claims are "Fiction"
Fact Checking Sarah Palin's "Going Rogue"
Marc Ambinder: Palin Needs to Take Herself Seriously
CBS News Poll: Fewer Than 1 in 4 Have Favorable View of Palin
Is Palin Selling Books or Settling Scores?
Exclusive: Palin Accounts Disputed by McCain Aides
Fact Check: Palin Seems to Misrepresent Timeline on Daughter's Pregnancy
Fact Check: Palin Contradicts Her Own Version Of Events With Oprah
Sarah Palin Calls Newsweek Sexist


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Nationwide protests began today under tight security, with hundreds of demonstrators in Malawi's two main cities gathering to rally against high fuel and food prices and increasing crackdowns by the government of Malawian President Bingu wa Mutharika.
In the capital city of Lilongwe, and in the commercial city of Blantyre, hundreds of young men and women gathered at rally points, dressed in red, and began to march in small groups through the cities chanting "Bingu leave, Bingu leave." The protests began in the early morning hours, after a day of intimidation by young pro-government thugs prowling the city with machetes on Tuesday, and after a pro-government citizens group successfully lobbied for an injunction against civil society and opposition groups participating in the demonstrations.
In Lilongwe, High Court Judge Chifundo Kachali granted the group an injunction yesterday evening in response to a plea by self-described "concerned citizen" Chiza Mbekeani. Police in Blantyre tried to disperse crowds under this court injunction, but when the police weren't able to produce the actual printed order, demonstrators continued to gather.
At press time, lawyers representing the opposition and civil society are at the high court attempting to get another hearing in order for the demonstrations to go ahead. And at the gathering points, civic activists and news reporters were sending out the word over Twitter that police had begun firing tear gas to disperse crowds.
Opposition leader John Tembo, president of the Malawi Congress Party (MCP), said the protests were to express concern over "the eroding economic situation and abuse of human rights in the country."
"The demonstrations stem from the civil society's failed attempts for an audience with the president as well as [the] government's rejection of a request by opposition parties for Mutharika to appear before parliament to respond to our concerns," Mr. Tembo told reporters.
As with protests in Northern Africa, the demonstrations brewing here have been simmering for some time, and touch on growing public anger over rising prices and bad governance. The target of much anger is President Mutharika, who came to office in 2004 promising to fight corruption, revitalize the agriculture sector, and to rebuild the sluggish economy – and largely delivering. In his second term, President Mutharika has been perceived to have taken an autocratic turn, compelling some of Malawi's bilateral donors to withhold aid that pays much of the national budget.
Methods of persuasion
Mutharika will be holding a public lecture at the New State House in Lilongwe today, where he will attempt to address some of the social concerns raised by the opposition and the civil society.
In the streets of Blantyre, yesterday, other methods of persuasion were more evident. Pro-government youths drove around the city yesterday, brandishing machetes, and threatening anyone "insulting the president."
Opposition members say that such tactics reflect a growing level of repression by Mutharika's Democratic Progressive Party (DPP), which controls the 193 member National Assembly and which has passed laws in the past year that rein in public dissent.
Retrogressive laws
Among the bills is the "Civil Procedure (Suits by or against the Government or Public Officers) (Amendment) Bill of 2010," widely known as the Injunctions Bill. It would forbid courts from imposing grant injunctions by citizens or civic groups against government or public officers. Petitioners against the Injunctions Bill argue that the law is unconstitutional, as it could deny citizens their right to instant relief when their rights are trampled on.
Other retrogressive laws that have been passed in parliament include the search without warrant by police and the gagging of media through section 46 of the penal code. Section 46 empowers the minister of information to shut down media houses or publications deemed to be misleading the people. One bill still under consideration would forbid courts to impose injunctions against government or public officers.
While the government has stopped similar demonstrations in the past, the Malawi Law Society (MLS) said it fully supports the exercise of the "constitutionally enshrined" right for citizens to assemble and demonstrate peacefully for a common cause, and would provide legal representation to demonstrators after the protests, to ensure "that any person who suffers any abuse or reprisals as a result of his or her exercise of the constitutional right to assemble and demonstrate on the appointed day is accorded proper legal redress."
Britain's involvement
Britain, whose high commissioner was expelled from Malawi a few months back after a leaked memo quoted him describing Mutharika as intolerant of criticism, last week announced that it would indefinitely suspend its annual allotment of 22 million pounds for support of Malawi's budget. Britain will continue to provide program support, however, for basic services such as health and education.
The UK's Department for International Development (DFID) said Britain's International Development Secretary Andrew Mitchell has decided to stop budgetary support to Malawi after this country of 13 million failed to address concerns the British government raised over economic management and governance.
"On governance, demonstrations have been suppressed, civil society organizations intimidated and an injunctions bill passed that would make it easier for government to place restrictions on opponents without legal challenge," Mr. Mitchell wrote in a DFID statement.
The DFID also expressed concern over Malawi's "overvalued" exchange rate of 150 Malawi Kwacha to $1, which has "a serious impact on the private sector's ability to drive future growth." High exchange rates make it difficult for the government to import fuel; car owners and truck drivers often have to wait for days in lines at fuel pumps in order to receive fuel.
Mutharika has three more years to rule Malawi. The ruling DPP has already launched a campaign for the president's brother, Peter, who is minister of education, to be the country's next president. Vice President Joyce Banda was expelled from the party allegedly for establishing parallel structures and nurturing ambitions to replace Mutharika.


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Pieces of There Featured on FI.co
Posted by Pieces Of There on
This was published on Founder Institute's Grad News on September 11th by writer Amity Sims.
Seattle FI Grad, Pieces of There, Delivers a Taste of Home to Nomads and Transplants
Now a days, spending your entire life in the place you were born is practically unheard of. Most US cities have a healthy population of transplants, ranging from permanent residents, to wandering nomads. In spite of their affinity for where they currently reside, a transplant's hometown will always have a place in their heart.
To combat any loneliness one might feel for their city of origin, Liz Kulin launched Pieces of There, a service that helps transplants enjoy a piece of home with carefully curated care packages comprised of goods representing their hometown.
Geekwire recently featured Pieces of There in their Startup Spotlight, and interviewed Founder and CEO, Liz Kulin (Graduate of Seattle FI), about what makes her service truly unique. Below, a segment of the article has been republished:
"I love living in Seattle.
But my roots are very much in Ohio, the place I called home for my first 18 years. Every once in awhile, I get a hankering for stuff from the Buckeye state.
As a transplant in Seattle, it's easier than ever to tune into news or sporting events. But what about the physical products — a nice slice of Coccia House pizza for example — that I grew up with?
Liz Kulin, a Seattle entrepreneur, wants to help on that front. Her 9-month old startup, Pieces of There, offers specialized care packages tied to certain geographic regions. (Here are some from Ohio, and even a few from Michigan, though I don't understand why anyone would ever want to buy one of those).
Kulin is transplant herself, having lived in Boston, Boulder, San Francisco and now Seattle. In fact, the idea started when the 33-year-old grew homesick for her hometown of Nantucket Island.
"My mother would send me care packages of local products from Nantucket, and each time it would make me feel closer to my favorite place while far away," she said. "I realized that there are over 1 billion people in the world living in a place that they did not grow up in." Earlier this year, Kulin was accepted into the Founder Institute accelerator program where she worked on the business model and tested the e-commerce concept.
The site now has 125 different care packages from 25 different geographic locations, and Kulin is just starting to ramp up sales with a big push planned for the holiday. Here's more from Kulin in our latest installment of Startup Spotlight:
Explain what you do so our parents can understand it:
"We sell care packages of local products from cool places all across the United States."
Inspiration hit us when:
"A customer tells me that one of our care packages made them feel closer to a place that they miss. This is the only reason why I started Pieces Of There and it continues to be the only reason why I wake up and work on it every day."
VC, Angel or Bootstrap:
"We are currently bootstrapped by myself (and my incredibly supportive wife). Bootstrapping has made most sense to our business in this early-stage of building the offering and developing traction."
Our 'secret sauce' is:
"Speed to marketing, sleepless motivation, and dedicated relationship with suppliers. Each care package of local products comes from the actual location that the consumer is buying from. In other words, if you — or a friend or family member— live in Boston but miss Chicago for some reason you can buy a care package of Chicago local products. The care package is put together in Chicago by a real Chicago native who knows Chicago local products. Our supplier ships the care package out to you straight from the place that you are missing."
Click here to continue reading the full artile on Geekwire and if you or someone you know could benefit from expert feedback and advice to launch a startup in Seattle, click here to learn more.
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China's consumer prices rose less than economists forecast last month and factory-gate deflation deepened for the first time in five months, reducing odds that officials will tighten monetary policy.
The consumer price index rose 3.2 percent last month from a year earlier, the National Bureau of Statistics said today in Beijing, compared with the 3.3 percent median estimate in a Bloomberg News survey and September's 3.1 percent. Industrial-production growth unexpectedly accelerated to 10.3 percent, a separate report showed.
Inflation below the government's 3.5 percent full-year target may allow Chinese Communist Party (CCP) leaders, gathering today in Beijing for an economic summit, to take a measured approach to reining in credit growth. State media have called the meeting a "watershed" for reform as China seeks to move to an economy focused on domestic demand.
"Both CPI inflation and economic growth still remain within Beijing policymakers' comfort zone," Hong Kong-based HSBC Holdings PLC chief China economist Qu Hongbin (屈宏斌) said.
While there is "no need for either easing or tightening in the coming months," the central bank will have to use its tools to keep liquidity stable as money inflows keep rising, Qu said.
The gain in factory output compares with a median estimate of 10 percent in a Bloomberg News survey and September's 10.2 percent pace. Retail sales rose 13.3 percent last month from a year earlier, the same pace as the previous month, while January-to-October fixed asset investment excluding rural areas expanded 20.1 percent, after a 20.2 percent rate in the first nine months, statistics bureau data showed.
The central bank is scheduled to release money supply and lending numbers by Friday.
Price gains have stayed within the government's target of 3.5 percent every month this year. Estimates for last month's consumer inflation from 44 analysts ranged from 2.8 percent to 3.5 percent, according to the Bloomberg survey. The median estimate of 40 economists was for a 1.4 percent drop in producer prices.
Producer prices fell a more-than-projected 1.5 percent, after a 1.3 percent decline the previous month. It was the 20th straight month of declining factory-gate prices, the longest stretch since 2002.
"As long as PPI inflation remains negative, there is little pass-through effect to CPI inflation," Australia & New Zealand Banking Group Ltd economists Liu Li-gang (劉利剛) and Zhou Hao (周浩) said in a note.
Last month's CPI gain was the highest since February when the index also rose 3.2 percent. Food prices rose 6.5 percent from a year earlier, the most since April last year, while non-food inflation was unchanged from September at 1.6 percent, according to yesterday's data. Transportation and communications costs fell 0.6 percent, the most in four months.
Competition is helping keep consumer-price gains muted, as Chinese online shopping sites gear up for "Singles Day" sales tomorrow by slashing prices. 360buy Jingdong Inc (京東商城) began offering half-price Pampers diapers as of Nov. 1 and will slice as much as 70 percent off items including slimming belts and facial moisturizers, according to its Web site.
While inflation remains in a "comfortable zone," it has begun to "flag an alarm for the monetary authority to keep a close watch on the trend," Hong Kong-based Haitong International Securities Group chief economist Hu Yifan (胡一帆) said in a note.


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Explore the critical relationship between ice and life - a tale of friend and foe, enabling, challenging, supporting and adapting - that has developed over millions of years. Will other ice worlds of our solar system have life? Can they help us understand Earth's changing polar habitats? For answers, Ice Worlds explores the two poles of Earth and the other ice worlds nearby.
Recommended for ages 8 and up


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Beef Tenderloin
A decadent Blue Cheese sauce is a great way to make your sliced Beef Tenderloin (get the recipe here!) special for a Holiday Party. I'm not a huge Blue Cheese person, but I LOVE this sauce. It is based on a Barefoot Contessa recipe - you won't believe how simple it is!
3 cups of heavy cream
1/2 cup of blue cheese, crumbled
1/4 cup of parmesan cheese, grated
1 teaspoon of sea salt
1 teaspoon of pepper
2 tablespoons of parsley, minced
In a heavy saucepan, heat cream on medium-high heat until it is boiling. Boil for 15-20 minutes until it has thickened enough to coat the back of a spoon. Remove from heat. Stir in blue cheese, parmesan, salt, pepper & parsley. Serve warm.
Boil the cream until it has thickened. You can tell it is thick enough when it coats the back of the spoon.
Crumble the blue cheese and grate parmesan cheese.
I made a small batch, and poured the cream over the cheese to melt it - it worked beautifully.


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FRITZ!Box 7490 Serwis - Baza wiedzy
FRITZ!Box 7490 Serwis
AVM Content
Not your product?
This document is also available for the following products:
FRITZ!Box changes the wireless channel that was manually selected
Although a specific wireless channel was selected in the user interface, the FRITZ!Box switches to a different channel on its own. The following error message is then displayed in the event log of the FRITZ!Box:
- "A very strong source of interference was detected on channel [...]; channel switched automatically."
1 Channel was changed due to strong interference
The FRITZ!Box detected a source of interference on the wireless channel that was manually selected, and the interference greatly impairs the connection. To guarantee stable and fast data transmissions despite this, the FRITZ!Box automatically switches to an interference-free wireless channel, regardless of the settings in the user interface. When the FRITZ!Box determines that there is no more interference on the wireless channel you selected, it automatically switches back to it.


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How Target-Like Breaches Occur (P.S. More Are Expected)
By Sid Kirchheimer , January 28, 2014 04:28 PM
Maybe you are among the 110 million Target shoppers whose payment card or personal information was hacked during the recent holiday shopping season. Perhaps you are one of the 1 million-plus Neiman Marcus customers whose data was exposed in a 2013 breach just recently announced.
Been to Michael's lately? The arts and crafts retailer is the latest well-known company whose customer payment details were reportedly stolen in the same type of data breach.
How are con artists doing it - and which trusted retailer is next?
Sadly, warns the FBI and other authorities, wherever you shop, prepare for more of the same: cyber attacks that employ sophisticated malware to specifically target point of sale (POS) systems such as cash registers and card-swiping devices.
In a confidential report shared with select U.S. retailers and obtained by Reuters last week, the FBI identified "memory-parsing" malicious software - also known as a "RAM scraper" - as the source of about 20 Target-like hacking cases in the past year. And the bureau predicted that additional POS attacks will follow.
>> Sign up for the AARP Money newsletter
Typically, when a customer or store clerk swipes a credit or debit card, data from its magnetic stripe is collected by the POS terminal for transfer to the retailer's payment processing provider.
But before that data is encrypted, nearly undetectable RAM scrapers - installed remotely but exactly how is still being investigated - allow hackers to extract account numbers, PINs and users' personal information while it is in the computer's live memory, where it very briefly appears in plain text.
"We believe POS malware crime will continue to grow over the near term, despite law enforcement and security firms' actions to mitigate it," said the FBI report obtained by Reuters. "The accessibility of the malware on underground forums, the affordability of the software and the huge potential profits to be made from retail POS systems in the United States make this type of financially motivated cyber crime attractive to a wide range of actors."
On the black market, this malware sells for up to $6,000, and some reports indicate these hackers may be tied to the Russian mob. The FBI noted that one variant, known as Alina, included an option that allowed for "remote upgrades" to make it even harder for corporate security teams to identify and stop.
What does this mean to you?
- Whenever possible, pay with cash rather than plastic to reduce vulnerability to POS-related attacks.
- If you use credit or debit cards, keep close tabs on your accounts. Besides carefully reviewing monthly credit card and bank statements, you might consider monitoring payment card activity nearly every day. Many banks and credit card companies also allow you to enroll for free email alerts to notify you about suspicious account activity, including change of address requests.
- If you spot questionable or fraudulent activity, immediately contact your bank or credit card provider. Ask to speak with the fraud department, which likely will close that account and assign you new numbers and plastic.
- If your personal or payment account information is stolen, the breached company may offer you free credit monitoring - typically for one year. Take advantage of it (only about 20 percent of breach victims do) for an extra layer of protection. But realize that credit monitoring looks for changes on a credit report - such as the opening of new accounts in your name - and doesn't alert you if someone is fraudulently using your existing credit or debit cards.
- Even after taking those steps, check your credit report for free at AnnualCreditReport.com or by calling 877-322-8228 toll-free. Federal law requires each of the three nationwide consumer reporting companies - Equifax, Experian and TransUnion - to provide a free copy of your credit report every 12 months if you ask for it. Look for the fraudulent opening of new accounts in your name and immediately report any that you find.
- Beware of phishing scams - especially in the aftermath of a well-publicized breach. Scammers often send emails or text messages alleging to be from breached companies that ask you to confirm or provide personal information such as account numbers, Social Security numbers and passwords. Don't click on links in these emails, which may unleash other computer malware designed to provide hackers with remote access of files or online account information.
- Consider a security freeze. If you're not planning to apply for new credit or insurance policies in the near future, this measure will prevent anyone (except you) from accessing your credit report - and legitimate businesses will not issue accounts in your name without checking your credit report. A freeze can be ended and reinstated as needed, and depending on the law in your state, costs are often waived for older Americans or those who provide proof of having been a past victim of identity theft. Details are available at websites of each credit reporting bureau; if you go that route, be sure to sign up at all three.
Photo: Davide Restivo/Flickr
Visit AARP's new Fraud Watch Network website for information about other scams, and sign up for free email alerts with tips and resources to help you spot and avoid identity theft and fraud, and learn about scam-prevention events in your area.
>> Get discounts on financial services with your AARP Member Advantages.
Also of Interest
- IRS Warns of 'Sophisticated' Phone Scam
- Photos: Actor Gary Busey and 8 Other Celebs Who Went Broke
- Get free assistance with tax return preparation from Tax-Aide
- Join AARP: Savings, resources and news for your well-being
See the AARP home page for deals, savings tips, trivia and more


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Sothink SWF Easy - Create a Normal Album
There are two types of album: Flip and Normal in Sothink SWF Easy. The album created from Normal template of Album Wizard is called normal album in this help. In following sections, we will tell you how to create a normal album.
Start SWF Easy. Click "File -->New From Template..." and choose "Album" from the available templates. The Album Wizard will be launched. Choose "Normal" and click "Next" to continue.
Step1: Select Template Type
There are two types of normal album for you to choose: Embedded Photo and External Photo.
Differences between them:
The External Photo type does not store the images into the swf movie. When you upload the album to web server, you have to upload both the swf and image files. The advantage is that in this type, the size of the swf file is relatively smaller. If you want to publish the album on web and get a higher speed for people to load the movie, please choose this one.
If you choose Embedded Photo, the image will be stored into the swf file. That means the swf file size will be larger than corresponding external photo album. It is convenient for you to view this kind of album on local computer or send it to others via email.
Besides the above, Embedded Photo and External Photo have different templates.
Step 2: Choose a Template
Choose an album type you want and then all templates belonging to this type will be listed. If you want to see all available templates, just check both boxes in front of the two types.
When you check both boxes and all the templates are showed, you need to distinguish them. Since different templates belong to different types, once you select one template, it will generate an album of the corresponding type.
After selecting a template, click "Next" to continue.
Step 3: Select Photos
In this step, you can add photos to your album. The supported image formats are JPG, BMP, PNG and GIF.
Note: If you apply a GIF image that contains multiple frames, only the first frame is valid for the album.
Add Photo
Click "Add Photo" button to browse to choose the images you have prepared. Pressing Ctrl enables you to choose multiple images. Click "Open" and these images will be displayed in the preview area. On the top-left, the total number and size of the selected photos are displayed, while on the right, the name, width and height of the photo you are currently selected in this window are shown.
Edit Photo
Choose a photo and click this button, and then you will see the dialog "Edit Photo".
In the tab "Info", it lists all the information of this photo. You can add or replace any information as you like, such as description.
In the tab "Rotate", it shows the photo in different directions.
In the tab "Sound", you can choose a sound for your photo. The sound will be played automatically when users view this photo till they go to next photo. The supported format is wav or mp3.
In the tab "Effects", you can add transition effects to the selected photo. The "transition effects" here refers to display some special effect when transform this photo to next one. The effects include box in, fade in, falling lines, etc.
If you choose more than one effect for a photo, these effects will be shown randomly.
Select All
Click this button to select all photos.
Delete Photo
When you want to remove a photo, select the photo and click this button to delete it from your album.
Move Up/Down
Choose a photo and click button "Move Up" or "Move Down" to change the order of this photo.
Open the selected photo in default picture viewer of your system.
Open the photo's folder in Windows Explorer and the photo will be highlighted in this folder.
Click "Next" to continue.
(If you want to set advanced settings for the album, such as play style and photo size, please check "Show advanced settings on the next page").
Advanced Settings
Auto play
Time delay: Set delay time for movie to play.
Auto rollback on the last photo: When playing to the last photo, come back to the first photo automatically.
Photo size
Adjust photo size to match the aspect ratio of the thumbnails on index scene:
Crop the image to fit the ratio of the template.
Reduce photo size to match template settings on photo scene:
If you choose this option, the image will be resized.
Optional effects
List the optional settings for this template. Different templates may have different options:
- Show photo information:
It delivers photo information in details, such as: Total color, Size, Camera make, Camera model, Date and so on.
- View in full screen:
If you check this option, the album movie will show in full-screen.
- Disable player menu:
If you check this option, the player menu such as "Zoom In", "Zoom Out" will not show when right-clicking the album.
- Auto scale movie to fit flash player:
The scale of the album can be changed automatically to fit Flash player window.
After setting appropriate values, click "Next".
Step 4: Generate Album
In this step, if you are using an "External Photo" template, you need to choose a directory to save your album at first. Then click "Next" to generate the album. SWF Easy will save the album and all image files to that folder automatically. When you publish the movie, you need to upload both the swf file and the image files to your server.
If you are using an "Embedded Photo" template, SWF Easy will begin to generate the album at this step. When finish, you need to click "File --> Publish" to publish your movie. Click here to see publish guide.
SWF Easy Interface
Basic Skills
Quick Start
Use Resource
Use Component
How to
- How can I select the elements, which are covered by others?
- How to edit a shape?
- How to edit a button?
- How to set an element as background?
- How to add links to elements?
- How to add links to scenes?
- How to add a preloader to my animation?
- How to add image to my artwork?
- Can I edit image in my artwork and how?
- How to find more resources (Shape, Button, Image, Sound, and etc.)?
- How to publish my animation?


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Popularity:#5 of 8 Post Offices in Cass County#407 of 844 Post Offices in Iowa#9,771 in Post Offices
Address, Phone Number, and Hours for Marne Post Office, a Post Office, at Washington Street, Marne IA.
View map of Marne Post Office, and get driving directions from your location.
Find 6 Post Offices within 12 miles of Marne Post Office.
Find 3 external resources related to Marne Post Office.
The Marne Post Office, located in Marne, IA, is a branch location of the United States Postal Service (USPS) that serves the Marne community. The customer service postal facility offers mail and package delivery services, P.O. box services, and passport services. The USPS operates as an independent agency within the federal government, supported entirely by revenues generated through its operations.You may contact the Post Office for questions about:
The USPS offers multiple mail services in the Cass County area, including through the Post Office. Marne residents can visit the Post Office for mail delivery services, to buy stamps, or to apply for a P.O. Box. The Post Office works with USPS Processing and Distribution Centers, Priority Mail Processing Centers, Bulk Mail Centers, and Air Mail Centers to sort, process, and distribute mail, which the Post Office delivers.Marne Mail Delivery Services
The Post Office offers mail delivery services for Marne residents and accepts mail and packages from senders. The USPS offers residential first-class mail delivery in the Cass County area, designed for envelopes and lightweight packages. Mail services also include package delivery, registered mail, priority delivery, and flat rate mail delivery. Priority mail offers faster delivery, with the option for overnight delivery, at an additional fee.Post Office Supplies
In Marne, the Post Office sells mail supplies, including flat rate first-class stamps, known as Forever Stamps. The Post Office also sells priority mail stamps, boxes and shipping supplies, and collectors' items. In addition to mailing supplies, the Marne Post Office sells money orders and provides shipping and customs forms.Passport Applications & Renewals in Marne
The Marne Post Office provides passport services for U.S. citizens in Marne. The Post Office accepts applications for a new passport or renewal documents for expired passports. The passport acceptance services also include name changes on an U.S. passport or expedited passport services. Some passport services may require a scheduled appointment, and the Post Office may only provide passport services during certain hours.Marne P.O. Boxes
Business and residential customers in Marne can apply for a Post Office Box, also known as a P.O. Box. Instead of delivering mail to a Cass County residence or business, customers with a P.O. Box receive their mail at the Post Office. P.O. Boxes are available in multiple sizes for a monthly rental fee.Contact the Marne Post Office
You may contact the Marne Post Office by calling 712-781-2347, or by addressing inquiries to the office mailing address: Marne Post Office, 202 Washington Street, Marne, Iowa, 51552.


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10 September 17 Multivac Germany Trip - Take 1
This was my first trip back to Germany in 7 years. It had been nearly 12 years since I was last in Bavaria. This was a business trip to visit our world headquarters for Multivac. We ended up having to stay nearly two weeks so we did a bit of sightseeing over the weekend. Went to Ottobeuren, Wolferschwenden, Memmingen, Munich, Langenargen, and Friedrichshafen.Read More


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It's a double-edged sword. Technology has made the life of journalists so much easier and yet so much more difficult. Even in the least-developed countries, where simple infrastructure such as paved road is a luxury, access to mobile phones, the portability of satellite broadcasting systems, the growth of delivery platforms, and the popularity of 24-hour news channels enable a news story to make it into the homes of hundreds of millions of people instantly.
• Main Index
• International
Institutions Fail to
Defend Press Freedom
• Exposing the Internet's
Shadowy Assailants
• Across Continent,
Governments Criminalize
Investigative Reporting
• In Latin America, a
Return of Censorship
• Partisan Journalism and
the Cycle of Repression
Europe and
Central Asia
• On the Runet, Old-School
Repression Meets New
Middle East
and North Africa
• Suppression Under the
Cover of National Security
Which is a problem for those who want to control the flow of information. Reporting is hard to manipulate when the information can be on television, radio, and the Web before anyone else can get their hands on the message. So what are the options if this reporting is to be stopped?
More and more, intimidation has become the tool of choice: Scare journalists into staying away from a story; make sure they understand their interference is not welcome. A few dead bodies along the way should help. Perhaps nowhere is that more clear than in Mexico, where drug-related bloodshed has encompassed thousands of lives, including those of many journalists. To drive home their brutal point, gangs dump beheaded and mutilated bodies on roadsides. When that isn't enough, spraying the offices of media outlets with machine gunfire adds a little emphasis.
In reality, it's not so much the high-profile international journalists who face the greatest dangers, although Iraq and the former Yugoslavia took their tolls, including the life of my friend Terry Lloyd. International correspondents are often visitors who don't file on a daily basis and aren't as deep into the stories or issues. They can simply be refused an entry visa into a country. The true champions, resisting the threats and pressures every day, are the local reporters.
I was impressed recently to hear the story of Brazilian newspaper journalist Daniela Arbex, who has that rare persistence to follow through on a story despite extreme difficulties and threats. She has won numerous awards for stories in the Minas Tribune that, among other things, exposed the neglect of rape victims, the abuse of mentally ill people, and the enlistment of schoolchildren in the drug trade. In each case, her reporting changed government policies. A different challenge faces Amira Hass, an Israeli journalist and daughter of two Holocaust survivors who lives and reports from Gaza and the West Bank. She faces vitriolic condemnation from Israelis for daring to criticize her country's policies in the Palestinian territories--although she has also had some pretty tough words for Palestinian leadership, too. In spite of the conditions she faces, Hass continues to challenge any abuse of power.
As we know, the ruling authorities pose the greatest threat in many places, targeting news sources directly or imposing restrictive rules that make the job of reporting important stories that much harder. Few countries are an exception to this rule; every government would love to control the flow of information.
When it comes to targeting journalists, fingers are often pointed at the "usual suspects," such as Iran and Egypt. But it goes much further: International organizations have made similar judgments about Sri Lanka, Somalia, and others. My own TV channel, Al-Jazeera, has been the target of more governments around the world than any news channel in history. There's a price to pay for speaking out, for showing the missiles not only being fired but showing them landing, to quote a colleague.
So what happens in an era of blogging, tweeting, social media, and citizen journalism, where anyone can be a "reporter" or mobilize support for an idea? What does that do to the flow of information and who controls it?
That is, perhaps, the biggest game-changer. For journalists, it blurs the lines between official and unofficial media, making it harder for established news organizations to distance themselves from what might be perceived as politically biased viewpoints. It has particularly affected news media in the United States, where traditionally neutral channels now feature more programming and personalities with a clear and usually outspoken point of view. The raising of the public temperature through aggressive commentary may help ratings, but it doesn't necessarily help journalists do their jobs effectively.
There is also the risk, in an increasingly networked world, of the smallest offhand comment turning into an unexpected landmine. Leading media figures such as White House veteran Helen Thomas, longtime CNN journalist Octavia Nasr, CNN's Rick Sanchez, and NPR's Juan Williams have all discovered that offering an opinion can cost one a job. In each case, they spoke outside their own, regular media affiliation (and their comments reflected rather different viewpoints), but overall it added to that blurring of lines between traditional news and the brave new world of socially networked commentary.
Given the power of social networking--which has brought down governments, mobilized opposition, and created demands for accountability--it is understandable that many authorities feel a threat to their control. Witness Google's tussle with the government of China. Globally, bloggers are already facing the same hazards that traditional journalists have always endured: intimidation, imprisonment, torture, and even death.
The situation is made more complicated by the traditional media's willingness to invite more and more participation from the public: "Send us your e-mails," "Contact us through Twitter," "Share with us on Facebook," "Just text us." The old world is trying to meet the new one head-on, but where does it leave fair and balanced reporting by trained journalists, and how can media outlets safeguard their neutrality and credibility?
This leads to my final question: At what point does the growing volume of public commentary render media outlets and their journalists even greater targets? As I said, it's a double-edged sword and, in this case, everyone is in danger of getting cut.
Riz Khan is host of "Riz Khan" and "Riz Khan's One on One" on Al-Jazeera English.


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Eva Stubbs: The Rough Ideal
This exhibition surveys over 50 years of artistic accomplishment by Winnipeg artist Eva Stubbs, revealing important moments of development within her career. In addition to three key pieces from the WAG, the exhibition draws on over 30 public, corporate, and private collections.
Born into a Jewish-Hungarian family in 1925, Stubbs' formative years in Europe were transient. She and her family endured the Great Depression, dodged the opening volleys of the Spanish Civil War, and witnessed firsthand the terrifying rise of anti-Semitism in Hungary, Germany, and Italy before waiting-out the Second World War in the northwest African city of Tangiers. Stubbs immigrated to Canada with her parents and brother in 1944 and settled in Winnipeg. In her early twenties, while convalescing from tuberculosis, Stubbs made the decision to enroll in the Fine Art program at the University of Manitoba. Over ensuing decades she furthered her training at the Cranbrook Academy of Art in the United States, the Banff School of Fine Art, and the Tokoname Clay Workshop in Japan. Stubbs taught art classes while raising a family through the 1960s. By the mid-1970s she turned exclusively to her own practice, and has exhibited in Winnipeg, Toronto, Montreal, and her native Budapest. She played a founding role in SITE Gallery, Winnipeg's first artist-run commercial cooperative exhibition space, which existed between 1995 and 2005. Eva Stubbs was elected a member of the Royal Canadian Academy in 1995.
Stubbs' oeuvre incorporates a wide range of sculptural media, including bronze, plaster, wood, stone, and clay, as well as drawings in charcoal, ink, and oil stick. Her works are figurative and metaphorical. Mothers, children, couples, and families recur as subjects, but most are without specific identity. Bodies embrace and teeter, merge and emerge; they appear locked in struggle or caught at a moment of willed metamorphosis. The human form serves as the artist's basis for a meditation on larger themes that concern the human species, such as historical memory, the desire for intimacy, and our awareness of the precariousness of existence. As such, Stubbs' art is deeply personal while, at the same time, it reaches into a well of universal human experience.
Stepping back, we might consider Eva Stubbs' work to be offering a particular model or ideal of humanity. What the sculptures and drawings envision, however, is not the ideal of noble simplicity and quiet grandeur associated with Antiquity, which reconciles the finite with the divine through a smoothed and proportionate rendering of human form. Rather, hers is an ideal that encapsulates fragility, a notion that brings together the conflicting ideas of vulnerability and resiliency. Humanity is fragile in the sense that it has been worn down by historical moments of irredeemable brutality. However, human fragility also testifies to endurance and the capacity for people to flourish despite the odds.
Click here for a transcript of an interview between Andrew Kear, Curator of Historical Canadian Art, and artist Eva Stubbs.
Related Programs & Events
Past Programs & Events
Public Opening - Eva Stubbs: The Rough Ideal
Meet Winnipeg artist Eva Stubbs at the free public opening of her retrospective exhibition.
Thursday, December 16, 2010 from 7pm to 10pm
Art for Lunch - Curator's Tour
Join us for a tour of the exhibiton Eva Stubbs: the Rough Ideal.
Wednesday, February 16, 2011 from 12:10pm to 1pm
Meet Artist Eva Stubbs
Sunday March 6, 2011 at 2pm
Gallery Hours
- Tuesday 11am-5pm
- Wednesday 11am-5pm
- Thursday 11am-5pm
- Friday 11am-9pm
- Saturday 11am-5pm
- Sunday 11am-5pm
- Closed Monday


text:
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text:
Fiiiiiiive goooooollldennn riiiiiiings!!
When I was a kid singing "The Twelve Days of Christmas" song, this verse was always my favorite to belt out. :)
Five golden rings bento:
Packed in an EasyLunchbox:
- five golden pineapple rings in the large section
- low-fat cottage cheese in the smallest section
- two mini sandwiches and some cheddar crackers in the middle sized section
This is the only Christmas days gift that isn't a bird or a person. Interesting, huh? :)
This is part 5 of a 12 part bento series on the Twelve Days of Christmas! :)
See also:
4th day of Christmas: four calling birds
3rd day of Christmas: three french hens
2nd day of Christmas: two turtle doves
1st day of Christmas: a partridge in a pear tree
Wednesday, December 29, 2010
5th day of Christmas: five golden rings
Posted by Melissa at 1:29 PM
Labels: Christmas, EasyLunchboxes, theme, twelve days of Christmas
4 comments:
- Stephanie Rempe said... [Reply to comment]
These are really cute! I'm enjoying how you interpret each verse! www.bentofabulous.com
- December 29, 2010 at 1:41 PM
- Giggly Girls said... [Reply to comment]
LOL This might be my favorite. Genius!!
- December 29, 2010 at 1:59 PM
- EasyLunchboxes (Kelly Lester) said... [Reply to comment]
You know I'm a sucker for anything musical! Love this! :)
- December 29, 2010 at 4:57 PM
- Ludicrous Mama said... [Reply to comment]
I wanted to do a 12 Days MTM, but can't think of anything I have on hand to use for the gold rings! I don't *have* pineapple lying around, and we're snowed in, so I can't go shopping! Maybe I could make home-made onion rings... hmm...
- December 30, 2010 at 1:31 PM
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text:
The AEC maintains a Register of Political Parties. This register lists those parties which are eligible to have the party affiliation of their endorsed candidates printed on ballot papers.
To be eligible for registration a party must be:
Applications for registration are made to the AEC's National Office. For parliamentary parties they may be made by the party secretary or all the parliamentary members. For other political parties the application must be signed by ten members of the party of whom one is the secretary of the party.
An application cannot be processed by the AEC in the period between the issue and the return of the writ for a Commonwealth election or by-election.
For application requirements, refer to the Party Registration Guide.
When the AEC receives an application for party registration it publishes a notice in major newspapers in each State and Territory. This notice invites objections on the grounds that:
Any person or organisation may object to a party being registered on these grounds by submitting reasons in writing to the AEC during the month after the date of notice.
The AEC may de-register a party on the following grounds:


text:
Google Webmaster Tools – Top Tip #1
For those of you already familiar with Google Webmaster tools then this will be very simple and for those less experienced with this area, well it's still going to be very simple but you just need to pay attention.
Google webmaster tools is a must for every site owner or SEO.
Simply because it enables you to communicate with Google even better, and with the right set up you can get your search results indexed even more quickly.
Webmaster Tools Top Tip #1
Most admins only verify the domain with the www but if you verify with the http:// and without the www you will ensure your site is indexing more frequently.
Also you can change the crawl parameters from the standard 30 day(ish) crawl to weekly, daily, hourly or constant. So no more waiting around for pages to get indexed. WordPress sites generally do this for you but if you've not got a WordPress powered site give it a go and see your pages on Google search within a few minutes.
Tom Peary is the director of SEO21 Ltd. Offering SEO, Website Design, Digital Marketing, Google Places Optimisation, Guest Blogging, Copywriting and Link Building Services.


text:
OLEDs / SEPS525 is only 3.3V tolerant?« on: August 30, 2017, 08:44:18 PM »
5V spi makes it unhappy? Just checking.
Welcome to our new forum!
This section allows you to view all posts made by this member. Note that you can only see posts made in areas you currently have access to.


text:
For the first time in 28 years, a block of four retail shops at 66-72 East Coast Rd, Milford, is on the market.
The property, which generates an annual net rental of $62,080 from four retail tenants, is being marketed for sale by auction through Barry Masefield and Graeme Perigo of Barfoot & Thompson Commercial and is scheduled to go under the hammer at 10am on December 13 at the Bruce Mason Centre, Takapuna.
Masefield says the shop sizes range from 31sq m to 60sq m and the property has a weighted average lease term of 3.5 years with two of the tenancies due for rent reviews.
East Coast Rd is a main arterial route beginning at Milford and servicing the East Coast Bays area and further to the north.
"The popularity of this suburban location has resulted in the shops always being fully leased," he says.
"The building owner was the chemist at the pharmacy when he purchased the block in 1984. Having long since retired and sold the business, the pharmacy is still the anchor tenant and has recently commenced a new six year lease."
Perigo says commercial properties in the area are tightly held and the sale is a rare opportunity to secure a prime Milford retail property.
"The relatively low net rental makes the property within the reach of the mum and dad investors. Having no body corporate issues and leased to well-established businesses, it will also suit family trusts."


text:
Finding out that you have
multiple sclerosis (MS) can be frightening. Even if
you know a lot about MS, it is hard to predict how the disease will affect you.
Some questions you might ask include the following:
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