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Wow. Glenn Beck really is an authoritarian tool. Watch this clip; he's ranting at the microphone at children, insisting that they must learn that their rights come from god.
Push them. Well, they're going to cry, I'll hurt their feelings. PUSH 'EM!, because if you don't do it now, it's going to be much worse when they're pushed and they're shoved and they're shot. Push them! Teach them! The need to know the truth and the need to be pushed up against the wall once in a while so they know they can defend themselves. They know they can survive. They don't run around like little girls crying at the drop of a hat. Push them!
You'll be relieved to know that his tirade is directed only at little boys. You little girls out there are free to laugh at his magic god and recognize that your rights represent privileges and responsibilities conferred by your fellow human beings.
And I hope that the rest of you all see that bullying kids into guilt is also a bad thing. You don't want to be like Glenn Beck, do you?


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The 'landform' houses the two lecture theatres. These geomorphic forms rise out of the volcanic geology of the region (lying buried below the ground surface). The smaller of the two theatres slides out of the other. This cave-like form offers the necessary architectural attributes to control the interior conditions required for high-tech audio-visual lecture theatres.The 'sky' encloses the multifunctional space by way of clouds clinging to the landform and covering the plateau below. This floating series of roofs allows a flexibility of function to occur below by way of operable walls and furniture arrangement. The layering of roofs in a saw-tooth formation also allows natural light to enter the space like sun through the clouds.
The building seeks to respond to its unique context and location in the Pacific Rim by acknowledging the local aspects of the site and the culture of Auckland. The geomorphology of the site has evolved from unique events both volcanic and subsequently sedimentary and metamorphic. This has left a 'geological encryption' seen in the stratification of the surrounding landform. Auckland has one of the largest and most diverse populations of Polynesian people in the world. Tattooing is common to all these cultures. This 'cultural encryption' can be seen in a cross-section of Auckland's people.
The building utilises a number of ecologically sustainable principles; mixed mode ventilation, recycled carpet tiles, rainwater harvesting, low energy light fittings, passive solar design and low embodied energy materials.

subset: commoncrawl


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As promised, I'm sharing today a few pictures of my 2015 Printable Calendar on my gallery wall.
You may recognize the Minimal Vases from a previous post on this blog. They were a Christmas present from my mother in law, and I love them!
photos by | life as a moodboard |
And in case you missed it here is the printable for the first three months.
(click here for the rest of the Calendar)
calendar by | life as a moodboard |


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|1 of 7
This page
Maureen H. Berry, Editor UNIVERSITY OF ILLINOIS DOCTORAL RESEARCH This group of dissertations deals with varied and interrelated as-pects of generally accepted accounting principles. We commence with Maloo's overview of the GAAP life cycle process and continue with Galliart's study of factors influencing a large segment of ac-counting theory and practice: that of income reporting. Environ-mental influences also form the basis for Frey's investigation of whether the thrust for development of accounting principles and auditing standards comes from within or without the profession. One significant source of influence on accounting theory and prac-tice is tax law—just how significant the development of federal in-come tax regulation was for accounting is the subject of McClure's research. Along these same lines, Hughes examines one particular accounting problem: that of accounting for goodwill, and traces the interrelationships between accounting theory and tax regulations on this topic. This focus on particular accounting problems continues with Lambert's assessment of the user benefits of an accounting principle, yet to be generally accepted, in his study of the effects of general purchasing power information on commercial bank loan officers' decisions. We conclude, still with users in mind, by shift-ing the scene from the future to the past. We consider a significantly larger user group and we face a serious question of social respon-sibility with Dillon's examination of the alleged contribution of ac-counting practices to the stock market crash of 1929. Toward A Theory Of Evolution Of Selected Accounting Ideas (The Florida State University, 1977, 295 pp.; 38/5, p. 2871-A)1 by Man Chand Maloo. Maloo's hypothesis, born out by examination of six "important ideas" identified by faculty at the Florida State Univer-sity and the Florida A&M University, is that "there seems to exist an ongoing accounting process which helps to explain the origin, evolu-tion, and final acceptance or rejection of generally accepted ac-counting principles". According to Maloo, the slowness of this pro- 1 Dissertation Abstracts International volume and page references.


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Permanent Endowments
Named Endowment Fund — From $25,000
The Institute encourages school-based unrestricted endowments to provide maximum flexibility in meeting pressing needs and to provide support for new initiatives. There are several opportunities for recognition, including the naming of the endowed fund.
Endowed Faculty Support
Chaired Professorships — From $1,500,000
Income from these named endowments will be used to support outstanding faculty in MSE to seed research projects, and for travel, equipment, and student research assistants—all consistent with the overall needs of the School. These professorships will ensure that such individuals, who have already made their mark in the field, possess the resources to remain at the forefront of their fields, and lead teaching and research efforts in areas important to the future of materials engineering. The visibility and stature of senior faculty chair holders will draw outstanding students to the program, stimulate innovative research, serve as mentors for younger faculty, and aggressively seek leveraged funding from government and industrial sources. Endowed chairs may be named to recognize their donors or a designee.
Endowed Student Support (named)
Undergraduate Scholarships - From $25,000
Graduate Fellowships - From $25,000
Undergraduate Research Awards - From $25,000
Quality students are measured by more than just SAT scores. Georgia Tech places a premium on attracting students with the character, determination, and intelligence necessary to meet the demands of a first-rate technological education and use that education to improve the world around them. To recruit the most promising undergraduate and graduate students to Materials Science engineering, we must compete against universities that offer considerably more financial support than Georgia Tech—even with Georgia's HOPE scholarship. Funding a named undergraduate scholarship or graduate fellowship is the best way to ensure that the best of the best are excited to attend Tech, and challenged by their education. Georgia Tech must be in the position to assure that no qualified student is denied an education.
There are many ways in which you can make a gift to the Georgia Tech Foundation in support of the School of Materials Science and Engineering. To learn more, contact:
Naresh Thadhani
Alyssa Barnes
Your contribution will help to ensure a better future for our children and our planet.


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Subscribe to receive email updates on a variety of fish, fishing and fisheries topics.
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Fishing WisconsinFishing regulations
Fishing regulations are used as a tool to ensure good fishing exists into the future. The Department has used different types of fishing regulations to:
Easy fishing! We've made it easier to figure out what fishing regulations are on your favorite lake! Our searchable Guide to Wisconsin hook and line fishing regulations (exit DNR) lets you search by inland lakes, by lake name or county and includes an interactive map. Give it a try and fish on...Wisconsin.
Early Trout Season. - The early inland trout season on selected waters [PDF] runs from 5 a.m. on the first Saturday in January (January 4, 2020) through the Friday preceding the first Saturday in May (May 1, 2020). Guide to Wisconsin Trout Fishing Regulations, 2020-2021 [PDF]
- Guide to Wisconsin hook & line fishing regulations, 2019-2020
- Guide to Wisconsin trout fishing regulations, 2019-2020
- Guide to Wisconsin spearing, netting, and bait harvest regulations, 2019-2020 [PDF]
- Winnebago system sturgeon spearing regulations & information 2020 [PDF]
- Guide to Wisconsin setline, set or bank pole regulations, 2019-2020 [PDF]
- Clamming regulations
- Total daily bag limit
People can fish year-round on some waters and for some species, but regulations set more limited open seasons for certain species and waters. Check our fishing seasons calendar as the seasons do not coincide with the calendar year.
A current fishing license for the 2019-2020 season is required on April 1st, 2019.


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Industry veteran serves as client advisor in Fayetteville, Ark.
FAYETTEVILLE, Ark. – Arvest Wealth Management (AWM) is pleased to announce that Kim Cheah has been promoted to vice president, client advisor for the Fayetteville market.
Cheah, who has 13 years of experience with Arvest Bank, previously served as assistant vice president. As a client advisor, she gathers and analyzes financial information in order to provide appropriate and individualized customer solutions through brokerage, insurance, trust products and trust services, among other responsibilities.
"Kim is a tremendous asset to our team in Fayetteville," said Steve Burkhead, AWM regional manager and senior vice president for Arvest Bank. "She works hard for her clients to help them achieve their financial goals."
A Certified Financial Planner®, Cheah has worked in the financial services industry since 1998 and started with Arvest in 2004. She also earned a bachelor's degree and master's degree in business administration at Wichita State University.
Cheah and her husband live in Fayetteville with their two sons, and she has served as team manager for the Arkansas Comets soccer team. Cheah works at Fayetteville's branch on Township Avenue.
Submitted questions will be answered by an Arvest banker and may appear on the Arvest Blog.
All Arvest banks are Equal Housing Lenders and Member FDIC.
Investment products and services are provided by Arvest Investments, Inc., doing business as Arvest Asset Management, member FINRA/SIPC, an SEC registered investment adviser and a subsidiary of Arvest Bank. Trust services are provided by Arvest Bank. Insurance products are made available through Arvest Insurance, Inc., which is registered as an insurance agency. Insurance products are marketed through Arvest Insurance, Inc., but are underwritten by insurance companies.
Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency, May Lose Value, Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate.


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Wisdom Way Solar Village
A version of this article appears in the March/April 2009 issue of Home Energy Magazine.
March 09, 2009
It takes a village in this Massachusetts community to create sustainable, affordable housing.
In the western Massachusetts town of Greenfield, Rural Development, Incorporated (RDI) has completed the first affordable homes in the 20-unit Wisdom Way Solar Village. The solar-equipped homes will be certified through the Energy Star, DOE Builder's Challenge, and LEED for Homes programs (LEED Platinum certification is expected). More important than the certifications to homeowners will be the homes' performance; occupants are expected to save approximately $2,500 a year in energy costs. RDI has been a pioneer in developing and building affordable, efficient, sustainable homes in western Massachusetts. Building on the lessons learned from RDI's home in Colrain, Massachusetts (see "Toward an Affordable Zero-Energy Home," HE Sept/Oct '08, p. 16), RDI began plans in 2007 for a community of near zero energy homes in Greenfield. Once again, RDI worked closely with engineers at Steven Winter Associates (SWA) and architects at Austin Design to plan the community. Located on Wisdom Way, the project was named Wisdom Way Solar Village. The Village consists of ten duplexes (20 dwelling units total), including two-, three-, and four-bedroom homes. Eighteen of the 20 homes are for sale; 2 will be fully accessible and will be rented to residents with disabilities. All of the homes ...
To read complete online articles, you need to sign up for an Online Subscription.
Once an order has been placed there is an automatic $10 processing fee that will be deducted with any cancellation.
The Home Energy Online articles are for personal use only and may not be printed for distribution. For permission to reprint, please send an e-mail to firstname.lastname@example.com.


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What information do we collect and how do we use it?
How do we protect customer information?
How We Make Booking a room safe?
What cookies are and do.
Will we disclose the information we collect to outside parties?
How do we protect the privacy of children younger than 13?
What is your policy if I link to a third-party web site?
Your consent.
What information do we collect and how do we use it?
When you reserve a room, we need to know your name, email address, mailing address, credit card number, and credit card expiration date. This allows us to process your reservation request and send you your confirmation information.
When you sign up for services like Newsletters, we need only an email address -- which we use to send the information you requested.
When you enter a contest or other promotional feature, we may ask for your name, address, and email address so we can administer the contest and notify winners. We may also host promotions and sweepstakes that may be sponsored and administered by outside parties. When you are entered in any sweepstakes or contest simply by making a purchase from us, only your order number is given to the entity administering the sweepstakes or contest. When the winning entries are chosen, only the names and addresses of the winners are shared with the entity administering the sweepstakes or contest, so that they can notify the winners. When you enter a sweepstakes or contest through an email entry, your email entry is sent to the supplier house that we use to help gather entries for our sweepstakes and contests. When the winners have been selected, the winners' email addresses may be shared with the entity administering the sweepstakes, so that they can be notified that they have won. When you enter a sweepstakes or contest through a mail-in entry, the information you provide on your entry is sent directly to the entity administering the sweepstakes or contest. Unless we explicitly notify you in the terms of the sweepstakes or contest, no other information is shared by us with third parties in connection with any sweepstakes or contest. To the extent that any privacy information relating to a sweepstakes or contest conflicts with the information provided here, the specific privacy information regarding the sweepstakes or contest will be clearly stated in an area that will be accessible to potential entrants and will govern that particular sweepstakes or contest.
We may personalize your experience by using your past reservations and site behavior to shape our recommendations about the cites, hotels, and other informatoins that might be of interest to you. We also monitor customer traffic patterns and site usage to help us develop the design and layout of the site.
We may also use the information we collect to occasionally notify you about important functionality changes to the web site, new services, and special offers we think you'll find valuable. If you would rather not receive this information, when you receive this email just reply back and write in the subject UNSUBSCRIBE. We will then remove you from our mailing list.
How do we protect customer information?
We use the latest encryption technology to keep your personal information safe. All your ordering information -- including your name, address, and credit card number -- is encrypted using a secure server for maximum security. Your credit card and billing information cannot be read as it travels to our ordering system. To ensure that your information is even more secure, once we receive your credit card information, we store it on a server that isn't accessible from the Internet. We're so certain that our online reservation systems are secure that we back it up with a guarantee. In the unlikely event that you are subject to fraudulent charges, remember to first notify your credit card provider in accordance with its reporting rules and procedures. If, for whatever reason, you are held responsible for any fraudulent charges made on our site, we will cover the entire liability for you, up to $50, as long as the unauthorized use of your credit card resulted through no fault of your own from a reservation made with us while using our secure server.
Credit card transactions are handled by a third-party financial institution, which receives the credit card number and other personal identifying information only to verify the credit card numbers and process transactions.
How We Make Booking a room safe?
We use the latest encryption technology to keep your personal information safe. All your ordering information -- including your name, address, and credit card number -- is encrypted using a secure server for maximum security. Your credit card and billing information cannot be read as it travels to our ordering system. To ensure that your information is even more secure, once we receive your credit card information, we store it on a server that isn't accessible from the Internet.
What cookies are and do.
"Cookies" are small pieces of information that are stored by your browser on your computer's hard drive. Our site uses cookies to speed navigation, keep track of items, and provide you with custom-tailored content. We use cookies to remember information you gave to us so you don't have to reenter it each time you visit our site. By showing us how and when individuals use our site, cookies help us see which areas are popular and which are not. Additionally, we may serve ads using a third-party advertising company.
Many improvements and updates to our site are based on the data derived from these cookies, such as total number of visitors, pages viewed, and the total number of ads served. Most browsers are initially set to accept cookies. If you would prefer, you can set yours to refuse cookies. You will still be able to reserve a room with us using the Booking Form. Additionally, if you would like to obtain more information about the third-party advertising company and to know your choices about having its particular cookie turned off. If you turn off the third-party advertising company's cookie, you will still see ads on our site; however, the ads will not be tailored to your shopping experience.
Will we disclose the information we collect to outside parties?
We DO NOT share personally identifiable information without your consent. We may provide aggregate statistics and other general information about our customers, reservations, traffic patterns, and related site information to reputable third-party vendors, but these statistics and information will include no personally identifying information. We may release account information when we believe, in good faith, that such release is reasonably necessary to (i) comply with law, (ii) enforce or apply the terms of any of our user agreements, or (iii) protect the rights, property, or safety of us, our users, or others.
How do we protect the privacy of children younger than 13?
We are concerned about the privacy of young children and does not knowingly collect any personal information from a child under 13. We suggest that you become involved with your child's access to the Internet and to our site to ensure that his or her privacy is well protected.
What is your policy if I link to a third-party web site?
When you click on links and/or ad banners that take you to third-party web sites, you will be subject to the third parties' privacy policies. While we support the protection of privacy on the Internet, we cannot be responsible for the actions of third parties. We encourage you to read the posted privacy statement whenever interacting with any web site.
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By using our web site, you consent to the collection and use of this information by us. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
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Totals may reach past 1'.
This is The Weather Centre's Chief Meteorologist here to talk about the upcoming and ongoing lake effect snows.
Of course, the area outlined has already had one bout of 1-3' (yes the ' sign means FEET.), and this now appears likely again. Maybe not as bad, but 8 inches is definitely a sure bet for the most affected spots. The entire outlined area should prepare for at least 1'.
Image is not from Plymouth University State Weather Center. Map is, writing is not.


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Q: Should I build a pond or a waterfall feature? Which is better?
Bill – Antioch, CA
A: Ahhh… during the heat of the summer, there's nothing better than sitting nearby the cool, tranquil trickle of running water flowing from your own fountain.
Water features – whether a half-acre pond with a 6-foot waterfall or a small table-top fountain that sits on your deck – create a slice of personal serenity in your yard or garden, as well as drawing birds, dragonflies and other wildlife.
You know you want some of that tranquility for yourself, but before you rent the Caterpillar and start digging, run through these questions, below. They will help you choose the right type of water feature for you.
What kind of budget do you have?
First of all, consider what kind of money you want to spend. In most cases, the larger the water feature, the more expensive it will cost. If you're unsure, call a pond-building professional in your area to help you assess your needs and determine your budget.
What kind of space do you have?
Next, take a realistic look at your yard. Is it large or small? How can you blend a water garden and fountain into the existing landscape?
If you have a sprawling backyard with room to build, consider The Pond Guy® 11-by-11 or 11-by-16 foot Pond Kit or the smaller The Pond Guy® 6′ x 11′ Pond Kit, all of which include everything needed to build a pond, including fish-friendly rubber liner, underlayment, skimmer, filter, pump, check valve, plumbing fixtures and hardware, and complete instructions. The package even includes some beneficial bacteria to jump-start your feature's biological filtration.
If you have a postage-size yard or one that's tightly landscaped, consider a smaller water feature, like one of the Pondbuilder™ Cascading Falls disappearing waterfalls. The kits come in three sizes – 10 inches, 14 inches and 22 inches – and contains a waterfall box, basin, pump vault, pump, liner, underlayment, tubing, waterfall foam, check valve and instructions.
Who will visit your water feature?
Do you have grandchildren or young kids running around the backyard? If so, a waterfall with no open body of water, like the Pondbuilder™ Cascading Falls, would be an ideal choice. You'll be able to enjoy the sound of running water without the potential danger.
Perhaps, however, you want your pond to be open – thanks to a water-loving dog sharing your house, a blooming love for tropical water lilies or a brand new fish-keeping hobby. If that's the case, then consider a The Pond Guy® RapidFlo™ Ecosystem Pond Kit or one of The Pond Guy® AllClear™ Ecosystem Pond Kit, both geared toward to do-it-yourselfers.
How much maintenance time do you have?
Finally, think about your schedule and what you enjoy doing. Do you work long hours and simply want a peaceful place for an occasional night on the back porch? Do you like to have the sounds of running water – but without all the maintenance? If so, Pondbuilder Cascading Falls is right for you.
If you're a gardener, or someone who spends a lot of time outdoors working in the yard, tending your plants and improving the landscape, then one of the pond kits, like a RapidFlo™ Ecosystem Pond or the AllClear™ Ecosystem Pond, should be your pick.
Pond Talk: What was the first type of water feature you had?
Filed under: Pond Kits, Water Gardens & Features, Waterfall | Tagged: cascading, pond kit, pondless, stream, water features, Waterfall |


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A Craigslist scam targeting individuals searching for RV lots in the Williston, N.D., area has led to one arrest, Williston Police Department officials said.
According to a report by the Williston Herald, Sherri Jensen, 49, was charged in connection with the fraud Aug 17, according to a Williams County Court document provided by Williston Police Detective David Peterson. The charges, conspiracy to commit theft and theft of property, are Class C felonies.
Ramona Palin, originally of Montana, said she was a victim of the scam and sent $300 as a moneygram before realizing that the information in the Craigslist posting was falsified.
Palin said a real RV park – Williston Village – is the Google Map location on the posting, which calls the site, "Williston Valley." When she went to see the site, which is under construction, she realized the scam after talking to management for the actual park.
When Palin initially asked the individual on Craigslist whether her dog would be allowed and if she could build a mudroom, she was informed that would be fine. But the real rules at the Williston Village park are different.
"They agreed to everything and that is not the park rules," Palin said.
Palin said one of the individuals involved in the scam was even taking interested people on tours of the construction site of the actual park.
An ad provided by the Williston Police Department and posted Aug. 9 is titled, "$795 Williston Valley RV Park is Opening Soon!!! (2 Miles from Walmart)."
The ad asks for a $300 security deposit and posts a contact number.
Palin said individuals involved in the scam have several 701 phone numbers across more than one Craigslist ad.
Craigslist warns of possible fraud at the top of ads by saying, "Avoid scams and fraud by dealing locally! Beware any arrangement involving Western Union, Moneygram, wire transfer, or a landlord/owner who is out of the country or cannot meet you in person."


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Metro: Last Light comes to Mac via Steam Play
4A Games has announced that their atmospheric shooter, Metro: Last Light has made its way to the Macintosh and that version is now up on Steam Play. This means that if you own the PC version, you've got the Mac release for free. However, being one of the most graphically intense games of the last […]
4A headlines
Metro 2033 film rights have been acquired by MGM
Metro 2033 film rights have been acquired by MGM. Granted the rights are for the sc-fi novel written by Dmitri Glukhovsky, but still, it was turned into a game by 4A and the sequel, Metro: last Light is in the works for 2013. F. Scott Frazier will write the script and it will be produced […]
THQ "a little too late" to capitalise on "bonafide hit" Metro 2033
THQ won't make the same mistake twice, Metro franchise communications head Huw Beynon has said; the publisher is now taking 4A Games' post-apocalyptic series very seriously.
Ranger Pack DLC for Metro 2033 dated
4A has announced via Twitter the Ranger Pack for Metro 2033 will arrive on August 3 for PC and Xbox 360.
Ranger Pack revealed as DLC for Metro 2033
4A has revealed over on the Metro 2033 Facebook page the contents of the DLC pack in the works for the shooter. That didn't take very long, did it?
DLC for Metro 2033 currently being tested
The official Twitter account for Metro 2033 teased that DLC for shooter is currently being tested over at 4A.
Production on Metro 2033 DLC has started, multiplayer not possible
THQ and 4A announced today on the official Facebook page for Metro 2033 that production has started on DLC for the game. Looks like the "wait and see" approach didn't take so long after all.
Metro 2033 video is full of scary things
A new video for Metro 2033 has been released, and in it, you see what you are up against. Survival of the fittest, ya know.
There's "several reasons why" you'll want to replay Metro 2033, says THQ
Producer Huw Beynon has said that despite Metro 2033 not having any multiplayer, consumers will have "several reasons" to replay the game based on Dmitry Glukhovsky's novel.
Metro 2033 on PC will ship with Steamworks
THQ and Valve announced today that the PC version of 4A's Metro 2033 will ship with Steamworks features.
Dev videos for Metro 2033 chat about currency, societies, graphics
A couple new Metro 2033 videos were released this week, and we have both below the break for you, courtesy of GameTrailers. In both, game producer Luis Gigliotti chats about the game's visuals, the Metro system, societies in the underground, and how bullets have become currency in the world of Metro 2033. It looks rather […]
THQ announces Limited Edition for Metro 2033
THQ has announced a Limited Edition for Metro 2033 on Xbox 360 and PC, which includes an exclusive in-game weapon and four art cards featuring artwork by Russian painter Anton Grechko.
Metro 2033 video shows a hard life in post-apocalyptic Moscow
A new video for Metro 2033 has surfaced, and it's a good one in our eyes.
Metro 2033 takes you to a nuclear wasteland in March [UPDATE]
Update: According to a post from the official Metro 2033 account (thanks, David), there has not been a release date announced for the game – yet. See the tweet for yourself here. Sigh. Original: Metro 2033, 4A's depiction of Dmitry Glukhovsky's Moscow after nuclear annihilation in 2013, will land on store shelves March 16, according […]
Moscow's a nuclear wasteland in new Metro 2033 screens
Some new screens for Metro 2033 popped up over on Shack today. Each shows 4A's depiction of Moscow after nuclear annihilation in 2013. THQ says the game will be out for PC and 360 in early 2010. Hit the link to have a look.
4A latest
THQ "a little too late" to capitalise on "bonafide hit" Metro 2033
Production on Metro 2033 DLC has started, multiplayer not possible
There's "several reasons why" you'll want to replay Metro 2033, says THQ
Dev videos for Metro 2033 chat about currency, societies, graphics
Metro 2033 video shows a hard life in post-apocalyptic Moscow
Metro 2033 takes you to a nuclear wasteland in March [UPDATE]


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Frontman Brandon Boyd of the rock bank Incubus has sold his house in Venice for $2,705,454.
Originally a hotel and notions building when built in 1905, the property retains a storefront appearance. The 3,500-square-foot single-family home features exposed brick walls, pressed-tin ceilings, skylights, a glass-block exterior wall and a rooftop deck. There are three bedrooms and three bathrooms. The 640-square-foot sound-proof music studio/guest quarters includes a kitchenette.
Incubus recorded its seventh studio album at the house. "If Not Now, When?" was released last year.
Boyd, who helped form the alternative rock band more than two decades ago, sings, plays guitar and is a percussionist.
He bought the property in 2005 for $2.725 million from actress Maria Bello.
Brad Wiseman of Pinnacle Estate Properties was the listing agent and Negin Dumoulin of LeMarc Investments represented the buyer, according to the Multiple Listing Service.


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I have been getting a lot of emails lately about my thoughts on the Hasselblad H3DII-31 camera and what my experiences with it has been. Seeing as how the camera is on sale right now, and the sudden interest from many of you, I thought it would be helpful to do a little review. Not to mention I don't have time to write back to everyone in great depth. I am not going to get super technical or compare images at 100% with different cameras. There are plenty of sites already doing that, but I can tell you about my experience of using this camera for the past year and a half. For those of you not familiar with the H3DII-31, it is a 31 megapixel medium format camera. This is not just a digital back you put on a medium format film camera body. The entire camera was designed together so the end result is a very impressive piece of equipment. The sensor on this camera is much larger than the sensor on a 35mm format DSLR, and this delivers details not previously seen on a digital camera.
After I made the decision to take the plunge, it took me a few weeks to get used to the H3DII-31 and learn to trust it's auto focus. During those first few weeks, I shot everything with the H3DII-31 and my Canon just to be safe. I needed to get to a place where I could trust the Hasselblad as much as I trusted my Canon (most of the time) and know that it was focusing where I wanted. Six years ago, I had a Mamiya 645AFD which is an auto focus medium format film camera. I hated that thing. I am not a fan of manual focusing, so the auto focus feature was what drew me to that particular body. I can't remember exactly what the focusing screen looked like on it, but it was impossible to choose a precise point to auto focus on. Like my subjects eye, for example. It was just as likely to focus on the tip of a nose, or the back of an ear as it was the eye, and it was really difficult to tell what was in focus through the view finder. I think that experience with an auto focus medium format camera is what made me so hesitant about the Hasselblad at first.
Thankfully, my experience with the H3DII-31 has been amazing in contrast to the Mamiya, and to this day it has never focused anywhere I didn't want it to. Not only is this camera accurate, but the sharpness and clarity is incredible. After all this time with it, I still get excited and amazed by the detail and richness of my images. The out of focus areas in the background are smooth without banding, and the detail areas of the images are so crisp and brilliant.
The LEAF Shutter in the Hasselblad H3DII-31 is a feature I especially like. What this allows for is the ability to sync with strobes at shutter speeds up to 1/500th of a second. I have found this to be most helpful when shooting outside and I don't want to shoot at f16. And it gives you more options if you want to shoot with strobe and maintain a shallow depth of field. Shooting at 1/500th also gives you better protection from camera shake and helps keep everything sharp.
A feature of this camera not often discussed is the aspect ratio. It is medium format after all, so it is 6 x4.5 as opposed to 4×6 on 35mm DSLR's. Making the switch back to medium format for me was a breath of fresh air. I feel like 645 is how I see things, and composing in the H3DII-31 is much more enjoyable for me. Some people like square format, and some of you will prefer 35mm. It's just a matter of personal preference, but this was a big deal for me, and one I was happy to switch to.
I have found the color on the H3DII-31 to be much more accurate and rich than on other cameras I have used. Shadow detail is also something that really jumped out at me. When working with my Canon, I became used to flat shadows with little detail, but the Hasselblad seems to have a much better range between darks and highlights.
The resolution is also amazing. Frequently, I will come across details in a picture while using Photoshop I never could have seen with a different camera. For example, I was photographing a CEO on the 45th floor and the city was in the background. When I was working with the images, I zoomed to 100% and noticed there was a man standing in a window of another building several blocks away, and his face and clothing were clearly recognizable. The man in the window didn't do anything to make the picture better, but it was just really cool in a tech nerd sort of way. The size of a H3DII-31 image is 6496 pixels x 4872 pixels.
The Hasselblad Phocus software has been my only complaint about the H3DII-31. For a while I was stuck converting all of my images into DNG files before I could work with them using an old version of Hasselblad FlexColor. For about a year, I was not able to use Phocus, and I was stuck using an old Hasselblad program to convert to DNG before I could work with the images. Thankfully Phocus 2.0 was just released, and I will say the new version has been working very well. I wish the camera would create a file that was supported by other software options, but Hasselblad claims one of the reasons their files are so great is because they can completely control them through Phocus. Maye that is true, and I do agree that the H3DII-31 creates amazing files. I guess I just wish there were more options for working with the raw files. In the scheme of things, this is not a huge deal for me, especially considering the final product produced by the H3DII-31. That being said, the new version of Phocus is a good program. It just takes getting used to, as does any new program.
Something else worth mentioning is the excellent support and customer service I have received from Hasselblad. While I was having problems with Phocus, Hasselblad techs have always stayed on the phone with me or emailed me right back when I had a problem or question until it was resolved. Just today I had a question about batch processing and I got a detailed email response within 15 minutes.
Some of you have asked about the workflow with a Hasselblad. I copy the Hasselblad 3FR files from a compact flash card to my server. Then I open Phocus and import the images. This essentially creates a duplicate file of the images you "imported" and the new imported files (3F or FFF files) are the ones you work with in Phocus. I then make my selects, and delete the imported (3F) files which didn't make the cut. I still have all of the original 3FR files though, so I haven't truly deleted everything yet. In Phocus you can make a number of RAW adjustments just like you would in Bridge or Lightroom. From there you can export to any file type and then it's off to Photoshop. If you shoot tethered, then the files are automatically imported and you don't have to go through that process.
In conclusion, I really like this camera. I would buy it again in a heartbeat, and I would highly recommend it to anyone who wants to take their photography to the next level. It would not be a good camera if you shoot live sports or anything requiring rapid shooting simply because it does 1 frame per 1.5 seconds compared to several frames per second with Canon and Nikon DSLR's. Rarely do I ever need anything that fast, so it's not an issue for me or photographers who shoot products etc…
I have seen a huge jump in the quality of my work since I began using the Hasselblad H3DII-31. It feels like an extension of me when I am shooting, and has made photography much more enjoyable.
So there you go. I hope this information is helpful. Feel free to leave questions or start a discussion in the comments. And again, (HERE) is where you can get the H3DII-31 for a killer deal. $6,000 off is a lot less than I paid, so I consider that to be a deal.


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Have you ever tossed and turned in bed for what feels like hours while others in your household are sleeping soundly? Or woken up in the middle of the night scratching all over and can't get back to sleep? Most of my life I have struggled with sleeping soundly through the night. Many times my sleep problems are related to psoriasis.
When the psoriasis covered my whole body a few years back, I learned about all the different offerings on cable in the middle of the night. Of course, I wished I could sleep as well as my wife who can drop off anywhere and in just about any body position. Instead, the burning and itching attacked my ability to rest. The psychological/emotional stress of not sleeping, of what to do about treatments, of whether I would be able to function well the next day also hampered getting a good night sleep.
The condition worsened enough to the point where I sought out doctors to determine if I suffer from a sleep disorder or not. I did take some prescription sleep medications but the next day I could not wake up enough to even drive. Some antihistamines like Atarax or Benadryl helped in the past, but again I became too drowsy the next day to think, write, or attend to my daily work.
I have wondered if others face the same sleep difficulties. After a quick search on the web I found an article that showed me indeed I'm not alone titled "For psoriasis patients, sleep often disturbed." Here is an excerpt from the article:
"The strongest predictor of sleep disturbance in psoriasis patients is concomitant psoriatic arthritis, according to the results of a survey of more than 400 patients.
Other significant--albeit far less potent--predictors of sleep interference are a patient's degree of psoriasis-related itching and pain, as well as impact on emotional well-being, reported Dr. Kristina R Callis Duffin, a dermatologist at the University of Utah, Salt Lake City, at an international investigative dermatology meeting.
She examined issues related to sleep disturbance in a survey of 428 National Psoriasis Foundation patient members. The impetus for the study was a separate, recent NPF report indicating that 49% of psoriasis patients say their skin disease interferes with sleep, and 11.3% report it does so on more than 15 nights per month…
…In a multivariate logistic regression analysis, psoriatic arthritis was associated with a 3.2-fold increased rate of sleep interference within the past month. In addition, itch was associated with a 26% increase in sleep interference, and pain was linked to a 12% increase. A large negative impact of the skin disease on emotional well-being conferred an 18% increase in the likelihood of sleep disruption."
If it's true that 49% of psoriasis patients encounter some sleep problems then it stands to reason that many of us aren't sleeping well at all. Does psoriasis affect your sleep? If so, how does the lack of sleep affect your quality of life and how do you cope?


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|"Robert Muir (JIRA)" <j...@apache.org>
|[jira] Commented: (LUCENE-1606) Automaton Query/Filter (scalable regex)
|Thu, 01 Oct 2009 20:51:23 GMT
[ https://issues.apache.org/jira/browse/LUCENE-1606?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel&focusedCommentId=12761333#action_12761333 ] Robert Muir commented on LUCENE-1606: ------------------------------------- Uwe, sure. I will bring this patch up to speed (java 5, etc) > Automaton Query/Filter (scalable regex) > --------------------------------------- > > Key: LUCENE-1606 > URL: https://issues.apache.org/jira/browse/LUCENE-1606 > Project: Lucene - Java > Issue Type: New Feature > Components: contrib/* > Reporter: Robert Muir > Assignee: Robert Muir > Priority: Minor > Fix For: 3.0 > > Attachments: automaton.patch, automatonMultiQuery.patch, automatonmultiqueryfuzzy.patch, automatonMultiQuerySmart.patch, automatonWithWildCard.patch, automatonWithWildCard2.patch, LUCENE-1606.patch > > > Attached is a patch for an AutomatonQuery/Filter (name can change if its not suitable). > Whereas the out-of-box contrib RegexQuery is nice, I have some very large indexes (100M+ unique tokens) where queries are quite slow, 2 minutes, etc. Additionally all of the existing RegexQuery implementations in Lucene are really slow if there is no constant prefix. This implementation does not depend upon constant prefix, and runs the same query in 640ms. > Some use cases I envision: > 1. lexicography/etc on large text corpora > 2. looking for things such as urls where the prefix is not constant (http:// or ftp://) > The Filter uses the BRICS package (http://www.brics.dk/automaton/) to convert regular expressions into a DFA. Then, the filter "enumerates" terms in a special way, by using the underlying state machine. Here is my short description from the comments: > The algorithm here is pretty basic. Enumerate terms but instead of a binary accept/reject do: > > 1. Look at the portion that is OK (did not enter a reject state in the DFA) > 2. Generate the next possible String and seek to that. > the Query simply wraps the filter with ConstantScoreQuery. > I did not include the automaton.jar inside the patch but it can be downloaded from http://www.brics.dk/automaton/ and is BSD-licensed. -- This message is automatically generated by JIRA. - You can reply to this email to add a comment to the issue online. --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: email@example.com
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Dr. Vickie L. Bajtelsmit
Colorado State University Presentation: Keynote Sessions
Dr. Vickie Bajtelsmit is a Professor in the Department of Finance and Real Estate at Colorado State University where serves as the Director of the departmental graduate program and teaches financial planning, insurance, and investments courses. She holds a Ph.D. in Insurance and Risk Management from the University of Pennsylvania's Wharton School of Business, a J.D. from Rutgers University School of Law, and a B.A. from the University of Virginia. Dr. Bajtelsmit is a past president of the Academy of Financial Services, the American Risk and Insurance Association, and the Risk Theory Society. She is the author of two personal finance textbooks, Personal Finance: Skills for Life (John Wiley & Sons, 2006, 2012 forthcoming) and Personal Finance: Managing Your Money and Building Wealth (John Wiley & Sons, 2008), which are used at many universities around the country. She has also published more than 30 refereed academic articles primarily focusing on issues related to personal financial decision making, including retirement, insurance, and investing. She is an Associate Editor for the Financial Services Review; Assistant Editor for the Journal of Financial Services Professionals, Editorial Advisory Board member for Benefits Quarterly, an Employee Benefit Research Institute Research Fellow, and regularly serves as an ad hoc reviewer for more than a dozen academic journals.
Dr. Sam N. Basu
William Paterson University Presentation: Implementing Professional Sales Training into the Financial Planning Curriculum
Dr. Sam N. Basu assumed the position of Dean, Costsakos College of Business at William Paterson University from August 1, 2006. Dr. Basu came to William Paterson from California State University, East Bay (formerly Hayward) where he held a variety of positions over time, including Interim Dean of the College of Business & Economics, Associate Dean, Co-Director of the Smith Center for Private Enterprise Studies and Professor of Finance and Banking. His prior academic experience includes teaching at the University of Southern California as an assistant professor and at the Graduate School of Business at University of California, Berkeley as an adjunct faculty. In addition to his academic experience, Dr. Basu has spent many years in the business sector in various capacities. He was senior vice president of MeraBank in Phoenix, Arizona in charge of Corporate Planning and Development, VP and Manager of Strategic Planning as well as AVP, Corporate Finance, for Wells Fargo Bank in San Francisco. He also worked with Booz Allen & Hamilton as a senior consultant in the area of Financial Services. Dr. Basu maintained an independent consulting practice in executive development, finance and strategy with clients ranging from Fortune 100 to start ups; and state and federal government agencies. He as a member of the founding group of entrepreneurs which started a fiber optics company in India. Dr. Basu has a B. Tech (Honors) degree in Mechanical Engineering from Indian Institute of Technology (Kharagpur), MBA from University of Saskatcherian and Ph.D. from University of Houston. He is the author of approximately thirty research papers in a variety of publications and this book "Strategic (Credit Management" published by John Wiley & Sons. Dr. Basu is multilingual and has worked, consulted or lectured in North America, Asia, Europe and Latin America.
Dr. Somnath Basu
California Lutheran University Presentation: Keynote Sessions
Dr. Somnath Basu is a Professor of Finance at California Lutheran University and the Director of its California Institute of Finance. Dr. Basu is also a Professor of the Helsinki School of Economics (now Aalto University) Executive MBA Program and at aSSIST institute of Science and technology in Seoul, South Korea. Previously, he was an Associate Professor of Finance at the Daniels College of Business at the University of Denver. He earned his B.A. in Economics, University of Delhi, MBA (Finance), Marquette University, Ph.D. (Finance), University of Arizona. Dr. Basu is extensively published in the field of investments and financial planning and is an award winning teacher. He has significant consulting experience with US Fortune 100 companies, advising institutional money managers and in developing proprietary personal investment software. He is a columnist for two US financial journals, on several financial planning Boards and is the coauthor of a financial planning/investments textbook published by McGraw Hill, May 2006.
Dr. James E. Benton, CFP®
Shippensburg University Presentation: Personal Finance 101: The Dream Course for Recruiting Personal Financial Planning Majors on a College Campus
Dr. James E. Benton, CFP® is currently an Associate Professor of Accounting and Finance as well as the Personal Financial Planning Program Director at Shippensburg University. His academic credentials include a Ph.D. in Finance and Masters of Art in Economics from Old Dominion University, a Juris Doctor, Masters of Taxation and Masters of Science in Personal Financial Planning from Georgia State University as well as a Bachelor of Science in Accounting and Finance from Northern Illinois University. His Professional credentials include Bar member in the state of Georgia, CPA/PFS, and CFP® certification. Dr. Benton has worked in various law and accounting practices as well as operating his own financial planning/tax planning practices. He has taught various personal financial planning courses at a number of certified financial planning programs to include: Georgia State University, Western Carolina University, Duke University, Old Dominion University, and now Shippensburg University. Dr. Benton is also the founder of The Financial Literacy Academy, LLC, a corporate training company specializing in financial literacy training for employees. Dr. Benton retired from the US Army/Army Reserves as a LTC in the Judge Advocate General Corp.
Dr. Sharon Burns
Purdue University Presentations: Keynote Sessions
Sharon Burns serves as a Clinical Associate Professor in the Department of Consumer Sciences and Retailing at Purdue University. Dr. Burns is also the Executive Director of the American Council on Consumer Interests. She is an expert in the financial issues of eldercare and retirement planning. Since 2007, Dr. Burns has consulted on the development of several professional and consumer financial education programs. As Executive Director of the Association for Financial Counseling and Planning (1998 – 2007), she served as the principal on three financial education projects, funded for a total of over $1.5 million dollars. In addition, she has authored several published manuscripts and is co-author of a trade book, How to Care for Your Parents' Money While Caring for Your Parents. The book was selected by Michelle Singletary as the Color of Money Club Book of the Month, and as recommended reading by the Wall Street Journal. Burns has been quoted in the Washington Post, Business Week, Wall Street Journal, Chicago Tribune, Parents, Smart Money, Better Homes and Garden and numerous other publications and newsletters. Dr. Burns has served on numerous national boards and committees focusing on improving the financial literacy and decision making of Americans. She has served on meeting facilitation teams for the U.S. Government Accounting Office, National Endowment for Financial Education and Credit Union National Association. In addition she participated in panel discussions concerning financial literacy initiatives hosted by the U.S. Treasury and U.S. General Accounting Office. Burns received her Ph.D. in Consumer and Family Economics from Purdue University, a Master of Science degree in Consumer Science from the University of Wisconsin-Madison and her Bachelor of Science degree in Family Financial Management from Purdue. She became a licensed CPA in 1993.
Dr. Charles Chaffin
CFP Board Presentations: Registration Criteria, Capstone Course Development, and Avenues for Improving both Program Effectiveness and Overall Sustainability; Keynote Sessions
Dr. Charles Chaffin arrived at CFP Board in March 2010. He holds a Doctor of Education degree from the University of Illinois at Urbana-Champaign with an additional graduate degree from the University of Michigan. His educational background has focused upon teaching pedagogy, curriculum and instruction, educational and cognitive psychology, learner assessment, and higher education administration. His varied teaching experience encompasses all levels of learner development, from elementary school to higher education, as well as classroom-based, online, and blended instructional platforms. Dr. Chaffin has published several papers that have focused upon the cognitive workload of learners in different task settings, reflective practice, and best practices in higher education curriculum and instruction.
Dr. Leon Chen
Minnesota State University Presentation: Black-Litterman Model Exercise Using Excel: A Classroom Experiment
Dr. Leon Chen is currently the assistant professor of Finance, and the director of Financial Planning Certificate Program at Minnesota State University Mankato. Leon recently earned his Ph.D. of Risk Management and Insurance from the University of Georgia, with Finance as the support area. Prior to that, he also obtained his MBA degree in Finance from the University of Notre Dame, and had over three years of banking and financial service industry experience. In his leisure time, Leon enjoys reading and table tennis.
Dr. Christopher Coyne, CFP®
Saint Joseph's University Presentation: A Course Management System Template for Teaching Financial Planning
Dr. Christopher Coyne, CFP® is an Associate Professor of Finance at Saint Joseph's University in Philadelphia, PA. Saint Joseph's has had a CFP Board registered program since 2001, and Dr. Coyne has been the primary faculty member associated with this program. Dr. Coyne received his CFP® certification in 2002. He participated in CFP Board's exam review process from 2003 through 2006, and was a member of the model curriculum group. He has been a member of the Tri-State Area FPA (Philadelphia) for the past five years. His research interests focus primarily on the behavioral aspects of what is considered "rational decision making." Dr. Coyne has also been heavily involved in online education. He has been using the course management system since the last millennium and is constantly looking for ways to improve the learning outcomes using these venues.
Dr. Lukas R. Dean
William Paterson University Presentation: Implementing Professional Sales Training into the Financial Planning Curriculum
Dr. Luke Dean is the program director for the Personal Financial Planning program at William Paterson University in New Jersey since August 2008. He recently received his Ph.D. in Personal Financial Planning from Texas Tech. His dissertation examines Registered Investment Advisers in the U.S. based on type of compensation, type of clients, agency costs, and potential conflicts of interest. He has a bachelors and masters degree from Brigham Young University in Provo, Utah. He was the advisor for the team of students that won 1st place overall in the 2010 National Financial Planning Challenge, sponsored by CFP Board, FPA, Ameriprise, and AFS.
Caroline S. Fulmer, CFP®
University of Alabama Presentation: Best Practices for Teaching in an Asynchronous Online Learning Environment
Caroline Fulmer currently serves as an Assistant Professor in the Consumer Sciences Department of the College of Human Environmental Sciences at the University of Alabama. Prior to her full-time faculty position, she worked in the financial services industry for over 30 years and most recently served as Senior Vice President and Retail Banking Manager for Cadence Bank, N.A. She served as an adjunct professor at the University of Alabama for 17 years and also currently owns Coaching and Training Solutions, LLC, a consulting firm that provides training and coaching in leadership, management, sales and customer service.
Dr. Jerry Gale
University of Georgia Presentation: The Development of a Campus-Based Clinical Practicum in Financial Planning
Jerry Gale, Ph.D. is an associate professor in the Department of Child and Family Development and Clinical Director of the Doctoral Marriage and Family Therapy Program. He has presented at numerous national and international conferences, was an invited speaker in Korea, and has written over 50 publications and three books. He is the recipient of the American Family Therapy Academy 2006 outstanding research award. He has created with Dr. Joseph W. Goetz a model of relational financial therapy incorporating systems theory and financial counseling. He is co-chairing the second annual financial therapy conference to be held in Athens, Georgia this coming September.
Dr. Joseph W. Goetz
University of Georgia Presentation: The Development of a Campus-Based Clinical Practicum in Financial Planning
Joseph W. Goetz, Ph.D. is an assistant professor in the Family Financial Planning Program at the University of Georgia. He currently teaches undergraduate and graduate courses in financial counseling, financial plan development, and a practicum course in financial planning. His research areas of focus include experiential education in financial planning, financial risk tolerance, and financial therapy. He received his bachelor's degree from the University of Missouri-Columbia, and completed graduate degrees in the areas of psychology and financial planning at Texas Tech University. He was recently selected as a University of Georgia Lilly Teaching Fellow and Service-Learning Fellow. He currently serves on the editorial boards of the Journal of Financial Counseling and Planning, Journal of Personal Finance, and the Journal of Financial Therapy.
Alan Goldfarb, CFP®
2011 Chair-Elect, CFP Board's Board of Directors Presentation: General Session with CFP Board's Leadership
Alan is Chief Wealth Strategist for Weaver Wealth Management, the financial advisory arm of Weaver, L.L.P. in Dallas, Texas. He was the Director of the Financial Services MBA Program at the University Of Dallas Graduate School Of Management, developing the curriculum and structure of the first MBA program to be registered with CFP Board. Additionally he has served as the Executive Director for the University of Dallas' Southwest Institute for Personal Financial Education. A past chair of CFP Board's Board of Professional Review (now Disciplinary and Ethics Commission), he also served on the Ethics Task Force that developed CFP Board's updated Standards of Professional Conduct, which became effective July 1, 2008. He currently serves as 2011 Chair-Elect of CFP Board's Board of Directors and will become Chairman in 2012. He has been named five times to Worth Magazine's top financial advisor and has been named a top financial planner by D Magazine each year since the list has been published. Alan has also served as a securities arbitrator and mediator with the American Arbitration Association and New York Stock Exchange. He earned his undergraduate degree in Engineering and Management from Fairleigh Dickinson University, his MBA in Economics and Management from the University of North Texas, and his Accredited Investment Fiduciary designation from the University of Pittsburgh.
Dr. John E. Grable, CFP®
Kansas State University Presentation: Keynote Sessions; Real Time or Not: Do Case Details Matter?
Dr. John E. Grable, CFP® received his undergraduate degree in economics and business from the University of Nevada, a MBA from Clarkson University, and a Ph.D. from Virginia Tech. He is the program director for the CFP Board-registered undergraduate and graduate program director at Kansas State University. Dr. Grable also serves as the Director of The Institute of Personal Financial Planning and Co-Director of the Financial Therapy Clinic at K-State. Prior to entering the academic profession he worked as a pension/benefits administrator and later as a Registered Investment Advisor in an asset management firm. Dr. Grable served as the founding editor for the Journal of Personal Finance, a rigorous peer-reviewed research journal, and he is currently the co-editor of the Journal of Financial Therapy. His research interests include financial risk-tolerance assessment, financial planning help-seeking behavior, and financial therapy/counseling. He has been the recipient of several research and publication awards and grants, and is active in promoting the link between research and financial planning practice where he has published numerous refereed papers and co-authored two financial planning textbooks. Dr. Grable has served on the Board of Directors of the International Association of Registered Financial Consultants (IARFC), as Treasurer and President for the American Council on Consumer Interests (ACCI), and as Treasurer for the Financial Therapy Association. He also served on the Research Advisory Council of the Take Charge America Institute (TCAI) for Consumer Education and Research at the University of Arizona. He is the recipient of the prestigious Cato Award for Distinguished Journalism in the Field of Financial Services, the IARFC Founders Award, and the Dawley-Scholer Award for Faculty Excellence in Student Development, and the ACCI Mid-Career Award.
Dr. Michael S. Gutter
University of Florida Presentation: Using Real Clients in a Capstone Financial Planning Class
Michael Gutter, Ph.D. is an Assistant Professor and Financial Management State Specialist for the Department of Family, Youth, and Community Sciences, in the Institute for Food and Agricultural at the University of Florida. His BS is in Family Financial Management and his Ph.D. is in Family Resource Management from The Ohio State University with a specialization in Finance. Gutter currently explores how financial education is related to financial behaviors and whether or not it is effective as a treatment resulting in improved financial decision making. He recently won Outstanding Conference Paper Award for the 2010 Association for Financial Counseling and Planning Education.
Dr. Vickie L. Hampton, CFP®
Texas Tech University Presentation: Keynote Sessions
Dr. Vickie L. Hampton, CFP® is Professor of Personal Financial Planning and Department Chair at Texas Tech University. She teaches financial planning and has authored articles on career development in the financial planning profession, determinants of success on the CFP® Certification Examination, and financial planning benchmarks for measuring financial well being of families. Dr. Hampton is a member of the NEFE Academic Advisory Council. She formerly served on CFP Board's Board of Governors and Board of Examiners, as well as the Academy of Financial Services Board. She received her Ph.D. in Family and Consumption Economics at the University of Illinois - Urbana.
Dr. Sherman D. Hanna
The Ohio State University Presentation: Using Real Clients in a Capstone Financial Planning Class
Sherman D. Hanna, Professor, Consumer Sciences Department, Ohio State University, received a Ph.D. in Consumer Economics from Cornell University and a Bachelor of Science in economics from MIT. He was founding editor of the Journal of Financial Counseling and Planning. He has been the advisor for 28 Ph.D. students, and also teaches undergraduate courses in financial planning.
Dr. Bill Healy
William Paterson University Presentation: Implementing Professional Sales Training into the Financial Planning Curriculum
Dr. Bill Healy is currently Associate Professor with the Russ Berrie Institute for Professional Sales at William Paterson University. His previous record for over thirty years is a unique blend of corporate, consulting, and entrepreneurial experience predominantly in financial services. He was previously President and Founder of The Financial Services University and Princeton Learning Systems with major corporate consulting engagements including Prudential, Merrill Lynch, NationsBank, DLJ / Pershing, American Express, CitiGroup, and among professional associations including The American College, The National Association of Life Underwriters, Educational Testing Service (ETS) and The American Institute of Certified Public Accounts (AICPA). Corporate financial experiences include positions as Vice President with American Express, Shearson Lehman, Merrill Lynch, and sales experience with CIGNA. Dr. Healy's focus has been on initiating and managing large-scale sales and management development programs, leadership education, professional certification and business development strategy. Academically, Dr. Healy has earned Ed.D., M.S., M.A., and B.A. degrees, is co-author of "Making Deals – The Business of Negotiation" and created the "Strategic Learning Blueprint Process."
Elizabeth Jetton, CFP®
University of Georgia Presentation: Evolution of an Online Financial Plan Development Course – From Group to Individual Format with Oral and Written Assignment Components
Elizabeth Jetton, CFP®, is retired from RTD Financial Advisors and now works as an independent consultant to financial advisors and firms. Jetton is also cofounder of Directions for Women, an organization focused on empowering, educating and engaging women around money. Jetton teaches for CLU's MBA program as Executive Faculty and also at University of Georgia, teaching Capstone for the undergraduate-graduate programs in Financial Planning through the Housing and Consumer Economics department.
Kevin Keller
Chief Executive Officer, CFP Board Presentation: General Session with CFP Board's Leadership
Kevin R. Keller is Chief Executive Officer of Certified Financial Planner Board of Standards, Inc. (CFP Board), the certifying and standards setting organization for personal financial planning. Mr. Keller joined CFP Board in May 2007 after serving 16 years with the Association for Financial Professionals (AFP), a membership organization for the finance profession that provides products, education and training for treasury and corporate finance. At AFP, he held the position of senior vice president and chief operating officer for the prior seven years and had management responsibility for programs and services for the 16,000-member organization. He led the organization's strategic planning process and enhanced and grew the Certified Treasury Professional credential. Mr. Keller has held senior staff positions at several associations and earned the Certified Association Executive (CAE) credential in 2000. He holds a B.S. in agriculture and an M.S., both from The Ohio State University.
Derek D. Klock
Virginia Tech Presentations: A Client Relationship Management Course: Integrating Science, Art and Professional Practice; Real time or Not: Do Case Details Matter?
Derek D. Klock, M.B.A., is a Professor of Practice in Finance in the Pamplin College of Business. He earned his Bachelor's degree from Virginia Tech in 1996. After graduation Mr. Klock worked in the banking and brokerage industry for nearly five years in both bank management and as a personal and small business investment consultant. He was frequently called upon to teach training classes on various investing topics such as IRAs and other qualified retirement plans. Upon completing his Army Reserve commitment, he decided to return to Virginia Tech for graduate school. In 2005 he received his MBA from Pamplin and began teaching various business and economics classes at Hollins University. After realizing his love for teaching, he once again found his way back to Virginia Tech to join the finance faculty where he currently teaches the Finance Concepts and Skills course – a quantitatively-intense financial valuation class. Mr. Klock was previously a board member for the International Association of Registered Financial Consultants (IARFC). He is co-author of two financial planning textbooks and has also written ancillary materials for a top-ranking personal financial management text. He has previously held the Virginia State Life and Health Agents License, and the Finance Industry Regulatory Authority (formerly NASD) Series 6, 7, and 63 Registrations as well as the Registered Financial Consultant (RFC) designation.
Craig Lemoine, CFP®
The American College Presentation: A Thousand Voices: Efficiently and Effectively Managing Financial Planning and Investment Courses in Online Environments
As a former Senior Planning Manager, financial advisor, team manager, and adjunct faculty member, Lemoine brings a blend of expertise in financial theory, software planning tools, and practical business experience to The American College. As the Davis Distinguished Professor of Finance and Accounting, Mr. Lemoine's responsibilities include accountability for the HS 300 Financial Planning: Process and Environment, HS332; Financial Planning Applications and GS 807 Graduate Capstone courses. He is responsible for preparing and revising study materials, including textbooks and associated exam materials, and staying current in his specialty by publishing professional, scholarly, and technical articles. He also provides community outreach as a guest speaker, representing The American College at various events. Since starting his career in 1998, Mr. Lemoine has also taken a special interest in financial planning software. He worked for a financial planning software company as a design analyst. During that time, Lemoine analyzed competing software systems and realized that this technology was extremely important to the financial planning process. He trained life insurance agents on utilizing software for estate and retirement planning purposes, teaching them to look beyond cash flow statements and advance their practices. Mr. Lemoine has been widely published in professional financial journals and industry focused magazines. Lemoine is a member of the Financial Planning Association and the Academy of Financial Services.
Dr. Ruth H. Lytton
Virginia Tech Presentations: A Client Relationship Management Course: Integrating Science, Art and Professional Practice; Real time or Not: Do Case Details Matter?
Dr. Ruth Lytton is Professor of Financial Planning and the Director of the Financial Planning Program at Virginia Tech. In addition to serving as program director, she provides student services (e.g., academic/career advising, internship supervision, and job placement) and teaches in the program. Dr. Lytton has received various student association, college, university, and professional association awards for her contributions as a teacher, career/academic advisor and researcher. She serves as an Advisory Editor for the Social Science Research Network's (SSRN) Journal in Behavioral & Experimental Finance and as past Editor of the Journal of Personal Finance. She currently serves on the Financial Planning Association (FPA) Academic Council and the FPA Research Team and has also served on other national FPA committees. In 2010, she was awarded the John H. Cecil Lifetime Service Award from the Central Virginia Chapter of the FPA.
Charles A. Moran, J.D., CFP®
2011 Chair, CFP Board's Board of Directors Presentation: General Session with CFP Board's Leadership
Chuck Moran, J.D., CFP® is Director of the CFP Board-registered program and Professor of Business Administration at the State University of New York-Cobleskill. He also teaches Corporate Governance and other subjects at the Harvard University Summer Program and NYU's School of Continuing and Professional Studies. Moran holds the Certified Employee Benefits Specialist (CEBS) credential and is a CERTIFIED FINANCIAL PLANNER™ professional. He began his service on CFP Board's Board of Directors in 2008 and currently serves as Chairman. He is a graduate of Princeton University and the University of Michigan Law School and completed the Advanced Management Program at the Harvard Business School. His professional career in financial services spans 40 years, including Pension Trust officer of Chase Manhattan Bank and Senior Vice President of Manufacturers Hanover Trust Co. (both now part of JP Morgan Chase); Chairman, President and CEO of Lionel D. Edie and Co. (then the 15th largest money manager in the US) and founding President of Government Securities Clearing Corporation, a self regulatory organization(SRO) for clearance and settlement of global trading in U.S. Government Securities. A frequent speaker on economics and financial topics, he has testified over 20 times before Senate and House Committees on benefits and investment issues on behalf of banks and other institutions. He also served on advisory councils to the U.S. Department of Labor and the Federal Reserve Bank.
Eve Pentecost, CFP®
University of Alabama Presentation: Best Practices for Teaching in an Asynchronous Online Learning Environment
Eve Pentecost, CFP® an assistant professor in the College of Human Environmental Sciences at The University of Alabama. In 2005, she began incorporating live video-streaming to distance students as part of traditional classes at the University, and later developed eleven asynchronous online courses to compliment the on-campus sections. She currently teaches undergraduate and graduate courses in financial planning and counseling totally online and is the point of contact for distance inquiries. Her many hats include serving as Chair of the College of Human Environmental Sciences Distance Education Committee and Resolutions Chair on the national public policy committee for the American Association of Family and Consumer Sciences. Eve serves as a personal finance columnist for The Anniston Star, faculty adviser and internship coordinator for financial planning distance students, consumer advocate on the State Board of Education, and United Way and Area Agency on Aging volunteer.
Ron Rhoades, J.D., CFP®
Alfred State University Presentation: Benefits of Faculty from Collaboration with NAPFA and FPA
Ron A. Rhoades, J.D., CFP® is an Assistant Professor for the Personal Financial Planning Program within the Business Department of Alfred State College. Ron serves on the Board of Directors of the National Association of Personal Financial Advisors (NAPFA). Ron also serves on the Board of Advisors to The Committee for the Fiduciary Standard. In 2011, Ron was named by Investment Adviser magazine as one of the "Top 25" most influential persons in the advisory profession. He also received the 2011 Tamar Frankel Fiduciary of the Year award. Ron served as Reporter for the Financial Planning Association's Fiduciary Task Force, and since then he has authored numerous articles on fiduciary standards of conduct as applied to investment advisers and financial planners. He is frequently quoted by the national media.
Martin Seay
University of Georgia Presentation: The Development of a Campus-Based Clinical Practicum in Financial Planning
Martin Seay is a Ph.D. candidate at the University of Georgia with an emphasis in Family Financial Planning. As a graduate student, he has taught several financial planning courses at UGA, receiving the University of Georgia Outstanding Teaching Assistant Award in 2011. He has served as both a financial counselor and graduate student supervisor in the ASPIRE Clinic. Currently, he is serving an adjunct faculty member at Brenau University while focusing on his dissertation investigating the effect of the tumultuous real estate market of the 2000s on a household's decision to own private rental property and its role in their overall financial portfolio. His research interests center around the intersection of housing wealth and family financial well-being.
Jean Cantey Segal
Financial Planning Association Presentation: Benefits to Faculty from Collaboration with NAPFA and FPA
Jean Cantey Segal is Managing Director of Knowledge and Learning for the Financial Planning Association (FPA), the largest membership organization for personal financial planning experts in the U.S. As a member of the senior management team, she oversees all of FPA's knowledge and learning initiatives and programs including live conferences and events; the Virtual Learning Center; the award-winning Journal of Financial Planning and other key publications; and the organization's professional development efforts. Cantey Segal serves as the lead staff liaison for numerous FPA advisory groups, including the Practitioner Advisory Council and conference task forces. Prior to joining FPA in 2005, she served as the Director of Organizational Development for Charles Schwab & Company, Inc. where she directed the creation and implementation of organizational development strategies for its nationwide employees. She received numerous corporate awards for her work including the Chairman's Award, Excellence in Service and was a nominee for the Leader of the Year. Cantey Segal's professional experience also includes the creation and implementation of corporate university infrastructure and facilitation of leadership and management training sessions. A graduate of the University of Tennessee, Cantey Segal has previously held the NASD series 7, 63 and 8 licenses. She serves on the Board of Directors of the Academy of Financial Services. Cantey Segal is currently enrolled in the Boston University online program for financial planning.
Harry Starn Jr., CFP®
California Lutheran University Presentation: Evolution of an Online Financial Plan Development Course – From Group to Individual Format with Oral and Written Assignment Components
Harry Starn, Jr., MS, CFP®, CFA is an Executive-in-Residence in California Lutheran University's MBA in Financial Planning Program and Associate Director of its California Institute of Finance. He earned a Bachelor of Science Degree from the United States Military Academy at West Point and a Master of Science Degree in Finance from the University of Colorado in Boulder. Harry has been teaching, creating and refining online courses for this Program since 2005. He has taught numerous courses in this program, including: Introduction to Financial Planning, Financial Principles and Policies, Investment and Portfolio Management, Employee Benefits and Retirement Planning, and Capstone Course in Financial Planning. Harry is the recipient of the USDLA's 2010 Best Practices Bronze Award for Excellence in Distance Learning Teaching.
Dr. Tom Warshauer, CFP®
University of Florida Presentation: Keynote Sessions
Dr. Tom Waschauer, CFP® is Professor of Finance at San Diego State University's College of Business Administration, is Program Director of SDSU's three personal financial planning programs and is Director of its Center for the Study of Personal Financial Planning. He was a member of the Board of Examiners of the CFP Board of Standards and was a founder and first President of the national Academy of Financial Services. Early in his career Warschauer practiced financial planning for fifteen years and was NASD Principal for a regional securities firm in Colorado. Warschauer earned his CFP® certification in the second year it was available. He has been the Academic Editor of the Journal of the Institute of Certified Financial Planners and is Associate Editor of the Financial Services Review. He earned the CFP Board's 2003 Academic Article Award and was awarded the San Diego FPA Heart of Financial Planning award in 2009. He holds a Ph.D. in Finance from the University of Colorado at Boulder.
Dr. Walt Woerheide, CFP®
The American College Presentation: A Thousand Voices: Efficiently and Effectively Managing Financial Planning and Investments Courses in Online Environments
Walt Woerheide, Ph.D., CFP®, is VP of Academics and Dean at The American College. He also serves as the Frank Engle Distinguished Chair in Economic Security Research and Professor of Investments. He has held appointments as a professor of finance at the Univ. of Illinois at Chicago, the Univ. of Michigan - Flint, and Rochester Institute of Technology, as well as Visiting Scholar at the Federal Home Loan Bank Board. He has served as President of the Academy of Financial Services and the Midwest Finance Association. His books include Introducing Personal Finance, published by John Wiley & Sons, and Investments, 6th edition, published by The American College. His most recent publications include multiple articles in the Financial Counseling and Planning, Journal of Financial Service Professionals, the Financial Services Review, and the Journal of Financial Planning. He has served as a judge for the Financial Frontiers Awards and the Kenneth Black, Jr., Journal Author Award Program given by the Journal of Financial Service Professionals. He also serves as an Associate Editor for the Journal of Financial Service Professionals and serves on the Editorial Board of the Financial Services Review and on the Editorial Review Board and the Editorial Advisory Board of the Journal of Financial Planning.
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text:
What Does 'Big Data' Look Like?
Over three million questions were answered via the 'Human Face of Big Data' app, which aimed to measure global trends and opinions. Founder Rick Smolan joins digits to discuss the most surprising trends. Photo Courtesy: Big Data.
This transcript has been automatically generated and may not be 100% accurate.
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Manila get some exercise the muscles of a time many building up this is this is ... that this is the story of our planet developing nervous system is unlike anything we've ever seen before in a wheelchair this and technology all the time we thought when the Internet first generalize we thought ... oh my God this is can transform the planet and certainly has ... but the Internet was like one step on the way this idea of the plant being connected and all this to become ... human sensors so when when you just one thing that they say you knew we would try them but that just runtime describe it when you fill them up to the Senate ... so it's a great analogy Summit A Real son Jesse was stated that it was on the phone talking to the data this PDA that what the data traffic and plans for ten year old and dusty ... imagine if your whole life you go into what I can suddenly opened a second at the very first time in your in your life ... you not to be more D ... teamwork more vision you're actually getting different dimensions you can actually see things are a part of you ... that it is to viewpoints ... you can extract meaning from and thus was happening all over the planet now what what some of the most surprising answers all those three million ounces Utah well sinusitis in Winchester look in his right now but ... 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