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privacy policy
Color Street, LLC ("Company", "us", "our" or "we") value your concerns about privacy and want to make sure you feel comfortable using our websites. This Privacy Policy describes the types of information we collect, how we use the information, and with whom we share it. We also describe the measures we take to protect the security of the information and how our customers can contact us about our privacy practices. Please note that this Privacy Policy governs information collected at any Company sites, including social media sites such as Facebook, Twitter, and instagram, and information collected via email, surveys, promotions, and rating & review.
Types of information collected
There are two types of information collected: (a) personally identifiable information and (b) non-personally identifiable information.
(a) Personally identifiable information
is information that identifies you as an individual, such as your name, address, telephone number, credit card number, birth date, email address, profile information, and purchase history. Personal information is provided voluntarily. You may choose not to provide personal information, but in order to use certain services on Company sites, such as to make a purchase or participate in a promotion, you may be required to provide your personal information.
(b) Non-personally identifiable information
does not identify you specifically. This information may consist of your browser type, IP Address, the URL of the previous web site you visited, device information, operating system, mobile network, advertising identifier, location information, etc. Non-personally identifiable information does not identify you personally.
How information is collected
When you visit and use any Company sites, information may be collected (1) passively and (2) directly.
(1) Passive Information Collection
You may not know that certain information is collected when you interact with Company's sites. This information may consist of IP address-related information, system Media Access Control address, network configuration information, network device information, browser plug-in type and versions, operating system, and information related to your geographic location. Cookies or web beacons may be used to collect information passively. This information may be collected whether you are signed in to Company's sites or not. Please note that information that is collected passively may identify you personally.
(2) Direct Information Collection
Information may be collected directly from you when you choose to use certain services on this site and any other Company's sites. This information may be collected in the following instances, including but not limited to: when you make a purchase, create an account, sign-up for emails and catalogs, use social media applications, and participate in sweepstakes, contests and promotions. These are examples of how we may collect personally identifiable information from Company sites. If you do not want us to collect your personally identifiable information, please do not provide it on Company sites.
(3) Third Party Web Analytics Services
The Company site may use one or more third party web analytics services. Such third party services include Google Analytics which collect data via Google advertising cookies and anonymous identifiers, in addition to data collected through a standard Google Analytics implementation. We make every effort to adhere to third party analytics policies. By using Google Analytics advertising features, we are required to disclose the following.
This site may employ Google Analytics Advertising features. This site and other third-party vendors may use first-party cookies or other first-party identifiers, and third-party cookies or other third-party identifiers together. Visitors to our out site can opt-out of the Google Analytics Advertising Features used, including through Ads Settings, Ad Settings for mobile apps, or any other available means.
How we use information we collect
We may use information about you and also share with our affiliates and vendors who perform services on our behalf. Here are some examples of how we may use your personally identifiable information and non-personally identifiable information: to fulfill your orders and send you information about your transactions, process credit card payments, to tell you about our products and offers, to personalize your experience, to conduct marketing analysis and to send you surveys or newsletters, to combine the personally identifiable information you provide us with other personal and non-personally identifiable information about you, and to allow you to participate in sweepstakes, contests and similar promotions. Please note that some of our social media applications may share information collected through those apps. In addition, we may disclose information about you, in our sole discretion, to comply with any applicable law, regulation, legal process or governmental request. We may also disclose information about you when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual fraudulent or illegal activity.
Links to and from other sites
The Company sites may contain links to and from other websites or applications, including those of our partners, advertisers, merchants and other sites. These sites are not maintained by Company and have their own privacy policies and information collection practices. Company is not responsible for the practices of other such websites, and disclaims all liability associated with your use of, and the content on, other sites.
Consent to transfer
The site is maintained in the United States of America. If you are located outside of the United States, any information you provide to us may be transferred to the United States where our databases are maintained. By using the sites, you consent to this transfer. Although we take reasonable steps to ensure that your privacy is protected, please be aware that the United States may not provide the same level of protection for your personal information as the one in which you reside.
Children's Privacy
Company sites are not intended for children and we do not knowingly collect personally identifiable information from children. If you are under 13 and would like to make a purchase, please ask a parent or legal guardian to place the order for you. Children under 13 are not permitted to make a purchase, create an account, enter a promotion, submit a customer survey, sign-up for emails or post comments.
Changing, Updating or Deleting Personal Information
You can update, change or delete certain personally identifiable information (such as your email address, mailing address and payment method).
Changes to our Privacy Policy
By visiting and using the sites, you agree to the terms and conditions of this Privacy Policy. Company reserves the right to change, modify, alter or otherwise update this Privacy Policy at any time without notice. We will post the revised policy here, which at that time will be effective immediately.
In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign the personally identifiable and non-personally identifiable information collected via the Sites.
Governing Law
TThis Privacy Policy shall be governed by and construed in accordance with the laws of the state of New Jersey, excluding without resort to its conflicts-of-law principles. Please note that your use of Company sites may be subject to other local, state, national, and international laws. You expressly agree that exclusive jurisdiction for any claim or dispute with Company or relating in any way to your use of Company sites lies in the state and/or federal courts of New Jersey, and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of New Jersey in connection with any such dispute including any claim involving us, Company sites, our affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and/or content providers.
The California Consumer Privacy Act of 2018 ("CCPA") gives California residents certain rights to control the use of their personal information by companies. If you are a California resident and a Color Street customer, you have the right to request information from us twice per year regarding the customer information we share with third parties for the third parties' direct marketing purposes. You also have the right to request that we disclose to you the categories of personal information we currently have collected on you. In some circumstances you can also request us to erase customer information we have collected on you, or direct us not to make any sale of your personal information. Color Street does not sell your personal information. Nevertheless, you have the right to request email confirmation that we do not sell your personal information, or to file an official request that we do not sell your personal information via the Do Not Sell My Personal Information form. To exercise any of the rights described in this section, or for more information, please send an email to firstname.lastname@example.com with "CCPA Request" in the subject line and in the body of your message. We will respond to your request via an email. Please also see the "Contact Us" section of this privacy policy below for additional methods to submit CCPA Requests or exercise your rights as a California resident. Color Street will not discriminate against you for exercising the rights described above or for submitting a CCPA Request. Any contact information provided in connection with a request to exercise your rights described above related to your Personal Information will not be used for direct marketing purposes and will not be shared with others unless necessary to verify your identity and/or complete your request. If you are a California resident under 18 years old, you can request that we remove content or information that you have posted to our website or other online services. Complying with your request may not ensure complete or comprehensive removal to the extent that the content or information may have been reposted by another user.
Color Street does not sell your personal information. If you are a Nevada resident, you have the right to submit a request for your personal information or directing us not to make any sale of your personal information. However, to request email confirmation that we do not sell your personal information, please send an email to firstname.lastname@example.com with 'Nevada Privacy Request' in the subject line and in the body of your message. We will respond to your request via email.
Contact Us
If you have any questions, comments or concerns about our privacy practices, you may contact us by completing the contact form on this site. Any comments or feedback you provide shall be deemed to be non-confidential and Company shall be free to use such information on an unrestricted basis.


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6 December 2013 at 3.16pm | 3 Comments
Former Royal Ballet Principal and current 'Strictly Come Dancing' judge Darcey Bussell will be signing copies of Darcey Bussell: A Life in Pictures at the Royal Opera House Shop on on 17 December from 3.15-4.15pm
The book is a retrospective of her career through beautiful images taken by a number of photographers, including Mario Testino and Bryan Adams.
The signing follows Darcey presenting the live cinema relay of The Royal Ballet's Nutcracker on 12 December.
Darcey danced with The Royal Ballet from 1988 to 2007 and was made a Principal aged just 20 in 1989. She danced the role of the Sugar Plum Fairy in The Nutcracker on a number of occasions, as well as other iconic roles such as Aurora in The Sleeping Beauty, Odette/Odile in Swan Lake and Giselle in Giselle.
Darcey Bussell: A Life in Pictures is on sale from the ROH Shop priced £16.99

subset: commoncrawl


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Images you import to your computer directly from your iOS device will show up as the original image in iPhoto, Aperture, and in the Finder. You might notice .AAE files on your device if you are browsing its contents for import. These files contain the edits made on the device, and do not indicate a problem with the images.
To import edited photos to your computer
If you want to view the edited version of a photo on a Mac or PC that doesn't automatically import the edited version:
- AirDrop or email the photo to yourself.
- Or, if you've enabled iCloud Photo Library, download it from the Photos web app at iCloud.com.
This will save a copy of the edited version on your computer, but you won't be able to revert to the original, unedited version.


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Ted Williams had already established himself as a premier player by 1940 but the lefty received some extra help when bullpens were installed in front of Fenway Park's bleachers. The addition moved the right-field fence in some 20 feet, fitting the slugger's swing perfectly, and the area soon took on the name "Williamsburg." Adjusting to the smaller field, Boston College's football team played their home games at Fenway Park in 1940 on their way to an undefeated season and a victory in the Sugar Bowl.
Record: 82-72, 4th in American League
Manager: Joseph E. Cronin
Attendance: 716,234
In 1940, attendance at Fenway Park soared to 716,234, the first time in franchise history that the Red Sox drew more than 700,000 fans. However, while attendance leapt by nearly 150,000, the team took a step back, winning seven fewer games than the year before and finishing fourth in the league, eight games behind the pennant-winning Tigers.
The 1940 Red Sox could still hit and had four players who drove in 100 or more runs (Jimmie Foxx, Ted Williams, Joe Cronin, and Bobby Doerr). In addition, a new center fielder named Dom DiMaggio began his tremendous career in 1940 and batted over .300 while scoring 81 runs. Another addition in Fenway Park's outfield in 1940 was the newly constructed bullpens, which were built in front of the bleachers. Though Williams hit fewer home runs in 1940 than in his terrific rookie season the year before, the new field dimensions, which brought in the right-field fence some 20 feet, fit his swing so well that the bullpens soon took on the name, "Williamsburg."
In 1940, Foxx led the club in home runs with 36, though his batting average dipped below .300 to .297. The team also found power in Cronin, Williams, Doerr and Jim Tabor, who each hit over 20 home runs.
Unsurprisingly, given their offensive production, it was the pitching that let the team down. Jack Wilson and Joe Heving led the team with 12 wins each but only started 23 games combined. The problem wasn't that any of the regular pitchers were particularly awful but rather that no one truly excelled. The team ERA in 1940 was 4.89 and when Ted Williams threw two innings of relief in the first game of a double-header on August 24, 1940, he left with an ERA of 4.50. Williams gave up three hits and allowed just one run to the Detroit Tigers in his only big-league pitching appearance.
Ted Williams broke into the league in 1939 and after his mammoth rookie season, Owner Tom Yawkey began renovations to Fenway Park that would move in the right-field wall some 20 feet, shortening the home run distance for the young slugger. As part of the most significant construction project at the ballpark since 1934, the renovations featured a new bullpen area in front of the bleachers to accommodate the home and visiting teams. A wonderful sight to left-handed hitters, the new bullpens shortened the distance down the right field-line from 325 to just 302 feet and to the right-field power alley from 402 to 380 feet. Though Williams actually hit fewer home runs in 1940 than during his rookie season the year before, the reconfiguration of the park accommodated the star's left-handed swing so well in the following years that the new bullpens took on the name "Williamsburg."
With the relocation of the bullpens from the foul territory, the right-field seating, which was re-built in 1934, was replaced with an extension of the grandstand with individual seats. In addition, in the location formerly used as the Red Sox bullpen just short of the right-field foul pole, the box seating area that lined the infield was extended. A similar extension was completed in front of the left-field grandstand seats, where the bullpen for the visiting team had been.
In 1940, Fenway Park hosted interscholastic high school baseball again and held its annual Boston Park Department Baseball Field Day.
|1940 Non-Red Sox Baseball At Fenway Park
|June 15
|Belmont High 6, Turners Falls High 4
|August 17
|Boston Park Department Baseball Field Day
On their way to an undefeated, Sugar Bowl-winning season, Boston College won all six of the games they played at Fenway Park in 1940. The American Professional Football League's Boston Bears went 2-2 at the ballpark and the Washington Redskins returned to Fenway Park for second game in as many years against a team of college stars.
|1940 Non-Baseball Events At Fenway Park
|May 19
|War Memorial Service*
|September 10
|Washington Redskins 35, Eastern All-Star Collegians 12 (Football)
|October 2
|Columbus Bullies 17, Boston Bears 0 (Football)
|October 6
|Boston Bears 29, Cincinnati Bengals 7 (Football)
|October 12
|Boston College 33, Temple 20 (Football)
|October 19
|Boston College 60, Idaho 0 (Football)
|October 20
|Boston Bears 20, Buffalo Indians 0 (Football)
|October 27
|Milwaukee Chiefs 14, Boston Bears 0 (Football)
|November 9
|Boston College 21, Boston University 0 (Football)
|November 16
|Boston College 19, Georgetown 18 (Football)
|November 23
|Boston College 33, Auburn 7 (Football)
|November 30
|Boston College 7, Holy Cross 0 (Football)
*Started in the 1910s, a late May memorial service coinciding with the Memorial Day weekend was often held at Fenway Park through the mid-20th Century.
The stakes couldn't have been higher, with a $75,000 bowl bid on the line and a shot at a national championship looming for the two best football teams in the East.
Sportswriting legend Grantland Rice was part of the 40,000-plus crowd that jammed Fenway Park and stood for the entire game. In a memorable column, Rice called it the greatest college football game he'd ever witnessed.
The hype leading up to the game was monumental as both squads came to Fenway Park undefeated. Georgetown had an unbeaten string of 23 games on the line and Boston College hadn't been beaten since a New Year's Day 6-3 loss to Clemson in the Cotton Bowl.
BC trailed early by a 10-0 margin but roared back thanks to the masterful passing of Charlie O'Rourke, who connected on 14 passes for 209 yards. O'Rourke preserved the victory by taking a two-point safety in his own end zone as the final seconds ticked off the clock. The victory made Boston College a national force in collegiate football, while establishing Head Coach Frank Leahy as a leader worthy of comparison with his mentor Knute Rockne.


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Thursday, October 01, 2009
Retribution Nerf in 3.3
9 comments:
Surprise surprise...ReplyDelete
Frankly this doesn't surprise me in the least, in fact I was expecting something like this. The question is - what the hell do they plan to do in return? I mean - where's that interrupt we were gonna get? Perhaps some interactivity/linkage between our abilities?
unlikely that we'll get either of those things ^ that I mentioned above until Cataclysm...
Didn't you once post a link to a video which showed that they forced one to play a paladin?ReplyDelete
The "nerf" in question is just a tooltip clarification. SoCorr/SoV had those coefficients since February. In fact, SoV already uses the proper tooltip on live, it's just SoCorr that is updated.ReplyDelete
Typical MMO-Champion journalism, really. Fact-checking, apparently, is for casuals.
Crazy happenings.ReplyDelete
If it really is a nerf, I wonder what they'll give Paladins for compensation.
And to think, this is just for starters. Do you think they'll change the only good libram we've ever had into another lackluster, interchangable piece of equipment?
As pessiemstic as it may sound, who knows what they have in store. We've got a whole testing session to hammer out the kinks. And, you know...pray we don't get stealth nerfed at the end of it all.
if this is something that goes live, I don't think its a nerf to ret as much as yet another nerf to prot. unlike ret, protection paladins don't have extra points to throw into a holy tree and with the recent threat changes, I've already been tweaking my spec and gemming to compensate.ReplyDelete
Yes, I know that pre nerf pally threat was ridiculous, but it feels like they have seriously overdone it, kinda like the first nerf to BM hunters, then one that practically cut dps in half and had bm hunters standing around target dummies, speechless and reeling.
Yet another example of why I basically gave up on my paladin after 3 1/2 years. I finally reached the point where I'm sick of the alternating buffs and nerfs that it's like playing DK Death Grip Ping Pong. BOHICA, folks!ReplyDelete
Now raiding on my tree/chicken druid. Frankly, if I'd rolled the druid first, I may never have rolled a paladin.
@Forreststump: Are you kidding? Do you have any idea how many times druids have been nerfed over the years? The reputation Lifebloom has earned as the "most nerfed spell in the game" is well-earned. Just because a player wasn't actively aware of any given nerf doesn't mean it wasn't nerfed TO THE GROUND, BABY.ReplyDelete
Every class gets nerfed. You only care about your class because it's the one you play. That's totally natural, but the nerf cycle in WoW is a lot like the movie War Games. The only winning move is not to play. Well, either that or listen to the voice in the back of your head that says "X class is so imba!" Make the response to that voice "Then roll X and quit bitching." That's what I do.
@Rohan: It's early. As in PTR notes have been public for two days. Calm down. Wait. See.
Crikey, it's reaction like this that really makes me feel they need to take the "P" out of PTR.
- Anonymous6:21 AM, October 02, 2009
Not a nerf...just fixing the tooltip. And really, I love when people say "Blizz doesn't play my class"...sounds so uneducated. Of course they play your class. Just because you don't like what they do doesn't mean they don't "get it". EVERY class goes through nerfs AND EVERY class says "Blizz must not play my class" so is it just a bunch of monkeys in a room writing code for the game then?ReplyDelete


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Traveler´s Notebook Refill 029 Three Fold File for Regular Size
For A4 sized paper. Made of PP
Dimensions: 21x31cm (open)
See all Traveler's Company products.
Made in Japan.
Canadian Orders
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|1-3 days
|Depends on destination
US Orders
|Shipping Courier
|Transit time
|United States Postal Service
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|Flat Rate CAD12.50 ( Approx. USD9.50)
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F100 Build Up - Behind the Scenes at the Roadster Shop - Part 1
Mike Crimaldi's '53 F-100Part 1: Back To Where Henry Started
About 20 miles west of Chicago, Illinois, the F-100 is being reinvented-not rehashed or restored, but taken to a new level. These trucks have been here for us since day one, or since 1953, if you want to put an actual date on it. Over the years they have done everything, and everything has been done to them, from the worst back-country in-a-pinch repairs to basic driver maintenance to having tons of time and money dumped into 'em for the sake of winning awards/shows and the recognition of a community or the country, for that matter.
Mike Crimaldi's story isn't much different from other classic car/truck owners. He had a '53 F-100 back in high school and used it for the kind of stuff kids do, like cruising and dating or both while attending the prom with his girlfriend, whom he wound up marrying. Mike found a possible '53 to fill the shoes of his long lost Ford, called up the guys at The Roadster Shop in Elgin, Illinois, and started a plan. The heads of the Roadster Shop, Neal Gerber and his two sons, Phil and Jeremy, got artist Eric Brockmeyer in on the whole deal to enhance and plant their vision onto paper for an initial draft of what Mike's '53 Ford F-500 dump truck would look like. That's right, dump truck! The Roadster Shop would only use the original cab and doors anyway, so it didn't really matter what the truck started out as. Regardless, one look at Eric's rendering and I'm sure even a few Chevy guys are amazed at the possible outcome.
The shop was excited about Mike's truck, but the only way this thing was gonna come to life was with plenty of old-fashioned hard work, so they jumped in with grinders a flyin'. Most people probably know The Roadster Shop builds chassis for just about anything you want, but they also do turnkey cars, trucks, and hot rods, so what you're about to see is a behind the scenes look at what The Roadster Shop is capable of doing amongst the 300-400 chassis they build every year.
Unfortunately, before Chad Glasshagel and Jeremy Gerber could get going on all the trick sheetmetal fabrication, they had to bring the stock tin back to ground zero. The truck was decent as far as dents go and didn't have many miles on it, which is usually the case with heavy-duty trucks, but they found rust up to their ears! What you'll see is the abbreviated story of all they had to go through to cut out and fix all the cancer after the cab was chemically stripped.
While the cab was out, the chassis was built so the '53 could go back together on a solid foundation comprised of all-new fabricated and back-welded 'rails built in-house by Chris Patzer. Once Chris was done with the boxed 'rails, Doug Leetzow installed the Heidt's Superide IFS that was pushed forward 4 inches to accentuate the modern design of the truck's stance. Out back there's a Heidt's triangulated four-link that keeps the 9-inch in place. The truck will sit on QA1 coilovers with Wilwood 12-inch cross-drilled and slotted discs to stop the monster World Products-built Merlin big-block that'll nestle down in the frame.
How's that for a tease? Read on for a pictorial introduction to what's happening to this '53 F-100 at The Roadster Shop, and stay tuned as we follow along until its completion, which will result in a full feature.


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I recently enjoyed a hiatus to the lovely and luxurious Broadmoor Hotel and Resort, located in beautiful Colorado Springs.
What created a spectacular vacation was the consistently superior guest service we enjoyed. Our interactions with various "departments" at the hotel were stellar and personalized. "How can we assist the Bray party?" was a cheerful greeting at each point of service, from the parking valet to the concierge.
The Broadmoor took the time to provide seamless interactions and anticipate our needs. All "departments" collaborated to ensure outstanding service.
No one entity competed with the others. Rather, I noted a "big picture" presentation of service quality facilitated by an awareness of our stay amongst various touch points. Staff asked about various concerns we'd expressed, verified our satisfaction with amenities already utilized, and positioned us for the next fabulous service opportunity.
|Lora Bray is research librarian at CUNA.
I can't wait to go back.
Do you exceed members' service expectations with demonstration of obvious department collaborations and an understanding of member needs? How might you create fluid, superior member service interactions that will not only ensure loyalty but promote member growth?
An open flow of information and understanding members' needs will ensure effective service strategies.
Consumer trends
Credit unions can better serve their members by understanding how they spend their time. See the Bureau of Labor Statistics' (BLS) "American Time Use Survey—2011 Results" which reveals that a significant amount of time is spent caring for others.
In 2011, 16% of U.S. residents were eldercare providers who "spent an average of 3.1 hours providing this care."
Further, "Adults living in households with at least one child under age six spent an average of 5.5 hours per day providing secondary childcare," which is to say that multitasking takes place during this time.
Meanwhile, the Census Bureau reports that shared households increased 11.4% from 2007 to 2010.
Shared households account for 18.7% of all households: "Our analysis suggests that adults and families coped with challenging economic circumstances over the course of the recession by joining households or combining households…" says a Census Bureau analyst.
We can also examine the Federal Reserve report, "Changes in U.S. Family Finances from 2007 to 2010: Evidence from the Survey of Consumer Finances." Along with reporting income and savings trends, this study comments on consumer behavior in shopping for financial services.
"More families turn to friends, family members, or associates for financial information than to any other source of information on borrowing or investing…Sellers of financial services…and the Internet are either the second or third most frequently cited sources of information for borrowing or investing."
Are consumers making wise financial decisions—and where are they putting their money? How do such choices affect your business and our economy?
One answer may be revealed in "Deloitte Shadow Banking Index Debuts: 'Only' $9.3 Trillion in Size at End of 2011." Shadow banking instruments as defined by Deloitte include money market mutual funds, asset-backed commercial paper, and other components that exist "at least partly outside of the traditional banking system" and lack certain government guarantees.
Deloitte claims this market "may not be as large today as regulators" feared, however, it is important to note that "with regulatory changes and financial innovation looming, the shadow banking system could creep back very quickly."
And, "With other size estimates ranging from $10 trillion to $60 trillion, we think shadow banking is a concept continuing to look for a better definition."
Employment news
A Rutgers report sheds light on the needs and attitudes of younger members in, "Left Out. Forgotten. Recent High School Graduates and the Great Recession."
Most realize additional education is required to secure the future they want, however, "only 38% say they 'definitely' plan to attend college…with another 25% saying they 'probably will.' "
Economic barriers persist, as 34% can't afford college and 37% say they must work to get by. Pessimism reigns: By a four-to-one margin, this generation expects to be worse off financially than the previous generation. College graduates share similar feelings.
What's the answer to the question of financial security for these workers?
And what about multiple jobholders? See "Multiple Jobholding in states in 2011" by the BLS.
It finds that, "From 2010 to 2011, multiple jobholding rates decreased in 28 states…increased in 20 states, and were unchanged in two states. The annual average multiple-jobholding rate for the United States was 4.9% in 2011, unchanged from a year earlier."
What percentage of your membership holds multiple jobs? How do they find time to make financial choices?
Don't forget older workers, who have unique financial needs in "retirement." BLS' "Older Workers and Short-Term Jobs: Patterns and Determinants" analyzes work experiences with regard to retirement income security.
It concludes "retirement is not a one-time, permanent event for many career workers. In fact, most older Americans retire gradually, in stages, and often re-enter the labor market after a significant time away from it… Earnings from work fill the gap where other retirement income sources fall short."
Your members are busy with family and job responsibilities. Employment dictates not only economic security, but also living arrangements.
Time may be short as your members struggle to make good financial decisions—perhaps it's simpler to follow the advice of a well-meaning but ill-informed friend when the time comes to make critical financial decisions. Consumers may not realize the consequences of such choices at the time they are made.
Be the trusted authority. Cooperation will create outstanding service experiences to keep members coming back.
Know their history with your institution, their current lifestyle realities, and their future needs to accurately position them for the next stellar service opportunity you will provide.
They won't wait to come back.
LORA BRAY is a research librarian in CUNA's business-to-business publishing department.


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RIM reports more losses, lower sales, lots of cash
CEO Heins waves off the buzzards
Research in Motion saw its shares continue the climb that began earlier this week after it posted a Q2 earnings report that beat analyst expectations, but the struggling BlackBerry maker's revenue disappointed once again and its losses continue.
On Wednesday, RIM's stock price was buoyed by optimism about its upcoming BlackBerry 10 platform, as well as news that the overall number of BlackBerry users has topped 80 million, a new record.
Still, during Thursday's earnings conference call, CEO Thorsten Heins was careful to acknowledge that investors' concerns about the ailing company were at least somewhat justified. "We recognize that our results in the second quarter are still well below where they need to be," he said.
Revenues for the quarter were $2.9bn, up 2 per cent from Q1. But that was certainly nothing to crow about, as they were down 31 per cent from the $4.2bn RIM brought in during the same period the previous year.
According to RIM CFO Brian Bidulka, hardware accounted for 60 per cent of that income, while revenue from service fees made up 35 per cent and software and other revenue rounded out the rest.
Bidulka added that while RIM's service revenues were essentially flat, it has been seeing the same trend that many wireless carriers have reported, in which customers have been moving from top-tier unlimited subscription plans to prepaid plans, which offer lower margins for the carrier.
In all, RIM posted a net loss of $235m for the quarter, or 45 cents per share. That was better than last quarter's calamitous $518m beating, to be sure, but losses are losses. A year ago, RIM actually earned $329m for the quarter, or 65 cents a share, but there's little hope we'll see performance like that again until it can get its first BlackBerry 10 devices out the door.
Meanwhile, sales are sagging. RIM shipped approximately 7.4 million BlackBerry smartphones in the three months ending September 1, down 5 per cent from the previous quarter and down 30 per cent from the previous year's Q1. Last year, the Canadian company managed to shift between 10 million and 14 million phones each quarter.
On a positive note, if BlackBerrys aren't selling, at least they aren't sitting on shelves gathering dust quite as much either. RIM has managed to whittle its inventory from the staggering $1bn it reported in the first quarter down to $785m – a 21 per cent reduction – which Bidulka attributes to faster turnover and improvements in RIM's supply-chain processes.
So where are all these new BlackBerry subscribers coming from, then? According to Heins, around 58 per cent of RIM's sales in the quarter were made outside the US, UK, and Canada, with particular growth in South Africa, Venezuela, and the Asia-Pacific region, Indonesia especially.
Many of those customers are on the lower end of the market. When pressed, Heins admitted that such customers are likely to continue to purchase low-cost BlackBerry 7 devices, even after the BlackBerry 10 launch. In fact, he said, if sales in these markets remain strong, we might even see RIM launch new products running BlackBerry 7 in the same timeframe as the BlackBerry 10 roll-out.
"Make no mistake, BlackBerry 7 is a very strong smartphone OS and we intend to support it for some time to come, and also make sure that we have a really competitive, attractive entry-level position based on BlackBerry 7," Heins said.
For RIM to win back its market position in the more lucrative, high-end smartphone markets, however – including the US, UK, Canada, and potentially China – everything depends on BlackBerry 10. Heins said RIM plans to be "relentless" in ensuring that BlackBerry 10 will be a success, although no devices are due to ship until the first calendar year of 2013.
Will RIM survive that long? On this score, there was a glimmer of hope. Further losses for the BlackBerry maker are almost assured, but its reserves of cash, cash equivalents, and short- and long-term investments actually increased in Q2 by about $100m, to a total of $2.3bn. RIM may be all-in on its BlackBerry 10 gamble, but it's playing the long game. ®
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B oulder triathlete Omar Nour crashed hard on his bike during last weekend's Tri Yas race in Abu Dhabi, United Arab Emirates. Though he suffered a gnarly scrape on his lower back, Nour popped back up, smiling, and finished the race in third place.
That persistent smile sneaks up on Nour all the time. He can't help himself, even after a rough crash.
"I'm completely out of the norm," Nour said, his curly brown hair sprung out from his head at all different angles and a wide grin plastered across his face. "There's nothing about me that says 'endurance athlete.' My hair is crazy. Everybody is usually quiet. I'm a jokester. I want to think that I'm entertaining. That's what I want to think."
Nour's journey to Boulder wasn't typical of other endurance athletes. He didn't compete in his first triathlon until age 29, decades later than most professionals who begin competing as kids or teens.
He was born in Cairo, Egypt, where he lived until his family moved to Lausanne, Switzerland, when he was 3. His family moved again, this time to Washington, D.C., where Nour went to high school before attending Johns Hopkins University.
His plan after graduation was medical school, but instead he and brother Diaa Nour, who are about two years apart in age, went into business together during a period of what Omar Nour calls "serial entrepreneurship."
While building Tot Solutions, a telecommunications business that Diaa Nour still runs today, both brothers spent countless hours at the office, skipping the gym and binge eating from stress.
Omar Nour gained 70 pounds, and one day he said he split his pants while getting into his car. The loud ripping noise yanked him back to reality, he said. He was unhealthy and needed to change something.
A friend suggested trying a triathlon. Then, the 230-pound, 6-foot-3, 29-year-old Omar Nour began training for the Nation's Triathlon, a Washington, D.C., race with 3,500 competitors.
"It was unbelievable," Nour said. "I loved it. I looked so out of place. Everybody's in wetsuits, and I'm this hairy guy with shorts and nothing else. But I still have pictures of this triathlon. In every single picture, I have a smile from ear to ear."
Nour finished No. 8 for his age group — not bad, he thought. Afterward, he met another of the race's participants, then Washington Mayor Adrian Fenty, and the two began training together.
This wasn't a surprise to his brother Diaa Nour, who was still running the company while Nour began training with Fenty and a group of prominent businessmen. Not many people would have the guts to strike up a conversation with the city's mayor, but that was just another day for his brother, Diaa Nour said.
"I think the reason he gets out of bed everyday is to talk to people," Diaa Nour said. "He's the biggest extrovert I know. 'Who can I talk to today?' He just loves to meet people, share with people, be with people."
One day the two had a serious conversation about Omar's commitment to the business.
Diaa gave him two options: continue racing as a hobby with the business as his top priority, or quit — with his brother's blessing — and attempt to become the first Egyptian triathlete to compete in the Olympics.
Nour turned professional in 2010, and moved to Boulder in February of 2012 to train with Neal Henderson, with his sights set on London.
His chatty, sociable demeanor helped cast him as the training group's class clown and social planner, though Henderson said a "methodical" Nour works as hard as possible, all the time.
When good friend and training partner Cameron Dye began winning races last season, Dye said Nour planned several surprise parties in his honor.
"He brings an amazing energy to the (training) group," Henderson said. "He's an energizing person. What we're doing — they're hard sports. There's a time for really hard work, and sometimes (athletes) get so focused and obsessed on things that they lose sight of what they're doing it for. Omar clearly still has that love of the whole process."
Though he didn't make London, Omar Nour says he's not worried. He was "too green," as he puts it, lacking some of the base mileage that other competitors had from racing since childhood.
With four years until Rio, Omar Nour has plenty of time to improve his weakest sport, swimming.
"It would be incredible," said Diaa Nour, on Omar competing for Egypt in Rio. "We are American and Egyptian citizens. Growing up, we were always proud of our heritage. I'm not proud of what's happening in Egypt today. But that being said, we can't go demonstrate.
"One thing Omar can do is demonstrate through sport, through making it. (He can) draw attention to the country through sport and triathlon. That would mean everything."
–Follow Sarah Kuta on Twitter: @SarahKuta


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I like having a little fun here and there driving but, if I want to shoot off from the lights in the dry I get poor traction at the best of times which I can live with.
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Vehicle: 2013 Mazda 3 4 Dr Hatchback Mazdaspeed with 20000 KM of Tire Wear
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Price wise they are ok, you get what you pay for. But in the wet, they are very slippy, it does not inspire confidence one bit.
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Government Gets Money For Free
Nero, who famously played the violin as Rome burned, initiated the debasement of the denarius to a weight of 3.4 grams. Later it was debased to a silver wash coating a bronze coin. It is readily apparent that the United States Empire shall follow its famous predecessor and debase its currency to further its economic and foreign wars.
[Financial Meltdown]
While the stock market has soared 1,500 points off its lows and the government is throwing money at banks and assuming trillions of dollars in risk, the government wishes to assure all Americans that it can control the financial fallout. Perhaps this is true.
But the smart money does not believe this. Today American Financial History was made. For the first time in the history of Treasury Bills the yield on the three month Treasury Bill was recorded at -0.01%- as stated by Bloomberg.com. American financial firms, foreign financial firms and foreign countries purchased $30 billion of three month Treasury Bills for $30 billion dollars- to yield a negative interest rate. Note: Three month Treasury Bills do not have a specified interest rate. The interest rate is determined by the bidder and in this case the bidders determined that they desired an interest rate of -0.01%.
The importance of this cannot be underestimated. The purchasers of these three month Treasury Bills were so afraid of placing their money in American banks (Citibank, JPMorgan-Chase, Bank of New York-Mellon, Goldman Sachs, etc.) for 90 days that these financial wizards merely wished to have their money returned to them intact in three months- and paid the government a small fee to guarantee this money. The money that these wizards paid is comparable to the rate that a federally chartered bank would pay the Federal Deposit Insurance Corporation to guarantee their money. These financial wizards have so little faith in the American banking system that they refused to deposit their money in American banks for fear that the American banking system would collapse.
Just as remarkable was the auction of four month Treasury Bills. The government auctioned off $32 billion of four month Treasury Bills. Foreign Governments, major financial institutions (probably the banks to whom the United States government lended billions of dollars) and scared individuals bid for $126 billion of four month Treasury Bills. The yield on these four month Treasury Bills was 0%. These major investors merely wished the American government to serve as their trustee and hold the money for them.
The only time that I have witnessed this was in the 1990s in Japan, when investors were so afraid of bank failures that investors literally paid the Japanese government to hold their money.
It appears that America is becoming an Islamic society- but not for the reason, which you may believe. The Koran preaches that interest may not be levied on a loan. In America it appears that the economic scene is so dire that interest rates are approaching the Koranic dicta.
In the days of the Roman Empire the denarius was the coin of the realm. The denarius was originally a solid silver coin of a specified weight, 3.9 grams. Nero, who famously played the violin as Rome burned, initiated the debasement of the denarius to a weight of 3.4 grams. Later it was debased to a silver wash coating a bronze coin.
It is readily apparent that the United States Empire shall follow its famous predecessor and debase its currency to further its economic and foreign wars.
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- Ann GarrisonFebruary 22,2018 @ 08:03 PM
I think you have "Filtered HTML" turned on here. If you switch to "Full HTML," it will probably...
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Naomi Campbell will be forced to take the witness stand in the war crimes trial of former Liberian President, Charles Taylor, at the International Criminal Court.
The reluctant Campbell was subpoenaed by the Special Court of Sierra Leone and faces up to seven years in jail if she refuses to appear in court this month at The Hague, Netherlands.
The supermodel has dodged ICC prosecutors for the past year about testifying and has made it known she does not want to be part of the case, reported USA Today.
U.S. & World
Prosecutors want Campbell to testify about uncut diamonds Taylor allegedly gave to her in South Africa in 1997. Actress Mia Farrow and Campbell's former agent, Carole White are also set to testify about the alleged gift.
Taylor is on trial for supporting rebels in Sierra Leone's 1991-2002 civil war in a landmark case that marks the first time a former African leader has been put on trial for war crimes by an international court.
During the decade long war an estimated 500,000 victims were killed and horrifying crimes were documented, like widespread mutilations and rape by child soldiers who were drugged to desensitize them.
In exchange for arms and ammunition, prosecutors claim Taylor snatched gems, known as "blood diamonds" and other valuable minerals from Sierra Leone.
Taylor is being tried at the International Criminal Court, due to fear of renewed violence in Sierra Leone. The trial officially began in 2008.


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2015 Gillette Invite Results
Girls Individual Results: (Top 8 Only)
55 Meter Dash
5th Gabby Edeen 7.64
200 Meter Dash
4th Gabby Edeen 27.54
7th Petyon Bomar 28.60
3200 Meter Run
3rd Xiomara Robinson 12:25.45
55 Meter Hurdles
7th Peyton Bomar 9.48
Girls Long Jump
1st Peyton Bomar 17' 3.25" NEW SCHOOL RECORD
4 X 200 Meter Relay
3rd Peyton Bomar 1:52.87
Gracie Edeen
Madesta Shepard
Gabby Edeen
4 X 800 Meter Relay
5th MacKenna Swan 12:15.72
Emma Whiteman
Hannah Wiley
Karly McClure
Boys Individual Results (Top 8 Only):
400 Meter Dash
BRONC WRESTLING - The Bronc wrestlers have been on a good roll the last two weeks with solid tournament performances, Head coach Tyson Shatto.
This week they step out of tournament competition and will have road duals at Laramie and all three Cheyenne schools and Tyson says these duals are big as they get ready for the post season tournament schedule.
And he says the Broncs match up well with all four teams.
BRONC / LADY BRONC HOOPS - The Bronc and Lady Bronc basketball teams swept all four conference games with Cheyenne South and Laramie.
The Lady Broncs are now 12-1 overall , Head coach Jessica Pickett says the injuries have made their play a little inconsistent but they still got the job done.
They struggled a bit in Friday's win over South but started fast Saturday against Laramie.
They play at Cheyenne Central and East this week, then a road trip to Gillette.
Both the Broncs and Lady Broncs go 2-0 on the first weekend of conference play! Both teams defeated Laramie this afternoon!
Sheridan Lady Broncs: 70
Laramie Lady Plainsmen: 48
Sheridan Broncs: 43
Laramie Plainsmen: 37
Both the Broncs and Lady Broncs won their games tonight against the Cheyenne South Bison!
Final Scores
Sheridan Lady Broncs: 37
Cheyenne South Lady Bison: 31
Sheridan Broncs: 67
Cheyenne South Bison: 45
Sheridan high school will let any students or staff with there school shirts on, in for free on their night.
They will also have special recognition to all students and staff in attendance at half time during both the girls and boys games.
Tonight Jan 23 vs. South - Highland Park Husky night
Tomorrow Jan 24 vs. Laramie- Sagebrush Mustangs day
Friday Feb. 13 vs East - Meadowlark Bobcat night
Saturday Feb. 14 vs. Central - Woodland Park Wranglers
Friday Feb. 27th vs. Gillette - Coffen Cougar Night
BRONC WRESTLING - The Bronc wrestlers beat Kelly Walsh in a dual in Casper last night 46-25. Today they start a tournament in Chadron, Nebraska.
BRONC / LADY BRONC HOOPS - The Bronc and Lady Bronc basketball teams begin conference play at home tonight hosting games with Cheyenne South, games will tip at 5:30 and 7:00. tomorrow they have Laramie at 12:30 and 2:00 all games can be heard live on 14-10 KWYO.
Broncs Head coach Gale Smith talks about opening conference play at home.
Women's A League Volleyball Champions
Top Shelf
Defeated Haz Benz in 3 games to win the title
These two teams met for the second straight year in the championship
Photo From Left to right: Jennifer Sadler, Judy Frey, Jami Laya-Harvey, Liz Dearcorn, Janessa Gill
Not Pictured: Shelby Brewer, Hannah Casebolt, Jessica Iames
BRONC WRESTLING - The Bronc wrestlers have a dual at Casper Kelly Walsh tonight then they start a tournament in Chadron, Nebraska tomorrow.
The Broncs are coming off a 6th place finish at the Miles City invitational, Head coach Tyson Shatto says they performed well but still need a lot of work.
Tonight they dual at Kelly Walsh and Tyson says the Trojans are bit of an unknown for the Broncs.
And he says they expect to see some really good competition at the Chadron tournament.
BRONC / LADY BRONC BASKETBALL - The Bronc and Lady Bronc basketball teams begin conference play at home Friday and Saturday hosting games with Cheyenne South and Laramie, Friday night's games will tip at 5:30 and 7:00 and Saturday at 12:30 and 2:00 all four games can be heard live on 14-10 KWYO.
Road & Travel


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10 February 2012 at 3.32pm | 3 Comments
The Royal Opera House is gearing itself up for one of the film industry's nights of the year as The BAFTA Film Awards take place here this weekend.
This year's ceremony will be hosted by celebrity opera aficionado Stephen Fry, while the red carpet will be covered by roving reporter Miss Piggy, who'll be covering the action from outside on Bow Street which is closed to traffic for the weekend.
If you can't make it to the red carpet, the awards will be broadcast via the BBC, with BBC3 showing the Red Carpet show at 7.30pm and BBC1 the awards ceremony itself at 9pm on Sunday evening.
The Artist and Tinker Tailor Soldier Spy are expected to dominate this year's awards, with director Martin Scorsese picking up a BAFTA fellowship for an outstanding contribution to the film industry over the past six decades.
For more information on who's in the running for awards, see our recent nominees article.


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Our shop is an online boutique. We offer state of the art efficiency and security. We are always adding new products, so check us out daily.
Black Jet-Set Onsie
The Jet-Set Onsie lives up to it's name! The super-duper soft and comfortable fabric make it perfect for traveling, and the super cool design makes it perfect for any occasion! The elastic waist and adjustable straps make it an easy fit for all body types. Buy the bold flower print for days full of fun and self-expression, and buy the all-black for a classic piece with a bit of an edge. Either way, you can't go wrong!
NOTE: MTG Logo necklace also shown in this look.
SIZING NOTE: The size Tall-Small (TS) is a special size we created for our beautiful tall and slim Milkmaids who find it hard to find clothes long enough for them. The size TS is a size small, just longer in length!


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Hello! Do you still remember me? Arria here. I've missed you! This is me officially announcing the end of my year-long blogging hiatus for the entire year of 2018.
All I can say about my abrupt hiatus is that it was a difficult but necessary decision. Due to personal issues, I had to temporarily stop blogging. I didn't expect that it would last for an entire year but it did.
Do I regret it?
For my well-being, no. I don't regret it. Thanks to my 1-year hiatus, I feel brand new with a full-tank of motivation and determination. I feel more…sane, if you know what I mean.
But for the abruptness of it, yes. I regret it a bit. I wish I could've eased into the hiatus and announced it clearly. I should've handled it better. I feel that I let people down.
I still have a lot of catching up to do, and I hope to reconnect with you again. It's been so long that I feel like a newbie. It's an exciting feeling.
I Still Love Blogging
You may wonder why I still bothered to return when I've been gone for an entire year. Well, what can I say? I still love blogging.
This recent hiatus is undoubtedly the longest I've taken. I really burned myself out badly this time. But the desire to blog is still there. I think it's the same as my love for anime. I don't think I'll ever outgrow it. I may not do it as regularly as before, but I don't think I'll quit. Hopefully not.
Simplicity is the Goal
I definitely bit off more than I could chew when it came to blogging before. I overestimated my energy and capacity, taking on too many tasks than I could manage.
This time, I want to take things in a more leisurely manner. My horoscope for this year says that I should prioritize my peace of mind (I'm superstitious!). And that's what I plan on doing.
So to match my new approach in blogging, I finally updated my blog's look. No more colourful and loud colours. No more complicated menus and knick-knacks.
My blog is now simpler and more streamlined. What do you think about its new look?
I would also like to make another announcement.
I'm now an official webnovelist!
Yay! Did you ever expect that from me? I sure didn't. It was an impulsive decision that led to an unexpected opportunity.
Currently, I'm a contracted author at Webnovel.com. My first webnovel is a romance fiction titled "His Genius Wife is a Superstar". Please check it out!
If you're interested in reading it, please use my friend invite to sign up at Webnovel.com. There are a lot of amazing English-translated Chinese novels like "The King's Avatar" by Butterfly Blue, "Coiling Dragon" by I Eat Tomatoes and other similar masterpieces.
Recently, English-translated Korean novels such as "Golden Time" by JungYong are also made available.
Perhaps in the future, English-translated Japanese novels will also be made available in this website. I sure would love for that to happen. Hopefully, they negotiate with their Japanese counterpart and strike a deal, just like what they did with Korean Munpia. Crossing my fingers!
In addition to all these translated novels, there are also a lot of original stories just like mine. Some of us have signed contracts which means that we'll get paid when our novels become premium. Mine isn't yet because it's too early. I just published about a month ago. But it will eventually. 😉
Anyway, please check out Webnovel.com and see whether my story "His Genius Wife is a Superstar" interests you. Here's my friend invite. Hope to see you there!
More Personal
Because I'm now a webnovelist, in addition to being a blogger, I also plan to use this blog to document my writing journey. So I think that things will get a little more personal here.
Don't worry. I'll still write the usual anime and otaku content but maybe they're going to be a bit more introspective than before.
I guess this heralds a new direction for my blog and for me as a blogger. I'm not sure how things will turn out, but I think that this will be more comfortable and sustainable for me.
I hope that you can join me in this new journey. Thank you very much! Happy New Year!
Haha. I'm back!
If you're interested, consider supporting my work as a blogger & webnovelist here. Thank you!


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cat pregnacy
how would you know if your cat is pregnant? cuz my dad is taking my cat 2 the vet & we don't want to get her fixed cuz we WANT the kittens for my little brother who is blind & she can only have 2-3 @ a time be cuz she is so little. isn't when they start to give milk after 3 weeks and start getting roundish around 4-5weeks? & don't they have there kittens around 9-10 weeks? the last post i had i basically got yelled at even though we want the kittens and i want to make sure she is preganate before i got my lil bro excited. so i would really like to know if those 2 symptoms are from pregnancy or just from hormones and just getting fat. but yes, we r taing her to the vet, & no i'm not going w/ my father cuz i'll be at school & he would not tell me right away till i get all my research done cuz i'm hoping to help out w/ the vet over the summer.
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not sure if my router is capping my internet or maybe my isp accidently capped it accidentally ? i have 10mbit package internet from isp but.. on router it shows this:
is this from my router or my modem or cable lines that can't support more speed?
my package is a 10mbit internet package but i am not able to get past 4mbit !
i remember long time ago with my old router i managed to get more speed like with my 8mbit speed of internet
but this is router is kinda new actually i bought it few years ago.. but it was newer then my 2004 or 2005 router i'm pretty sure
my old 2004-2005 router could let me download around 8mbit stable too
also when i am torrenting or download i never manage to get faster then speeds around 4mbit and 440kb at most
but what is puzzling me is my new router is supposed to support 150mbits wirelessly when it advertises on it's box
i am suprised it can't even go past 4mbit.. but i'm not sure if it's the router or my modem or cable lines?
my router is belkin F6-D4630


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Harvard combined for a 3.507 GPA in 2012 while 11 individuals were honored for their academic achievements.
CAMBRIDGE, Mass. – The Harvard women's water polo team posted the second highest grade-point average in the nation in 2012 while 11 members of the squad garnered All-Academic honors from the Association of Collegiate Water Polo Coaches. Athletes become eligible for the award by having a GPA of 3.2 or higher and competing in at least 50% of the team's games.
A total of 28 schools were recognized for having a combined GPA of 3.0 or better. Harvard's 3.507 GPA ranked second in the nation, just behind Wagner's 3.515. Connecticut College (3.450), California Institute of Technology (3.430) and Chapman University (3.410) rounded out the top five.
Jasmine Griffin and Riley Kessler earned the ACWPC's highest award, an "Outstanding" recognition. Griffin and Kessler, who was an "Outstanding" honoree last season, both had GPAs higher than 3.71 to be acknowledged.
Five Crimson were named "Superior" recipients with GPAs ranging from 3.41 to 3.7. Victoria Frager, Kalina Grabb, Elise Molnar, Aisha Price and Shayna Price each earned the distinction. It is Molnar, A. Price and S. Price's second appearance on the ACWPC All-Academic list in the past two seasons.
To round out the list, Lizzie Abbott, Devan Kennifer, Shannon Purcell and Monica Zdrojewski were presented with "Excellent" honors. The four student-athletes had GPAs between 3.2 and 3.4. All five are repeat All-Academic award winners for the Crimson.
The Crimson finished 2012 with a second consecutive winning season (17-12) for the first time since 2004-05. The squad finished in seventh place at the CWPA Eastern Championship with an 11-3 win over Bucknell in the season finale.


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By STEVE ROTHWELL
NEW YORK — The dollar is rising again.
After a drop last autumn, the U.S. dollar has climbed 5 percent against other currencies over the past two months, reaching the highest level since August.
The main reason is the recovery in the U.S. economy. Although growth is still weak, the outlook for the U.S. is better than elsewhere in the developed world. Europe is stuck in a recession and struggling to control its debt. Japan is trying to push down the value of the yen to boost exports and end deflation.
A strong dollar helps Americans by making imports cheaper and curbing inflation, but it can also hurt U.S. companies. Technology companies have become increasingly reliant on overseas sales, and a stronger dollar reduces the value of their overseas earnings.
The impact of the dollar's appreciation is starting to show up in earnings reports. The insurer Aflac, which does much of its business in Japan, says its earnings were hurt as the yen fell against the U.S. currency. Procter Gamble, which makes Gillette razors and Crest toothpaste, said the stronger dollar was holding back its sales growth.
Many analysts predict that the dollar will continue to rise. Here's a look at what a stronger dollar means for investors.
Tough for Tech and Materials Makers
A rising dollar could spell trouble for U.S. companies that make software and gadgets, as well as companies that make basic materials like aluminum.
The tech industry relies heavily on foreign sales for growth. About 56 percent of its revenue comes from outside the U.S., according to research by RBC Capital Markets. As the dollar strengthens, U.S. goods become more expensive overseas, discouraging buyers.
Investors worry that could slow business — and profits. As a result, technology companies are tied with materials makers as the worst industry in the SP 500 this year, rising just 4.2 percent, compared with 10 percent for the overall market. Business software giant Oracle said its most recent earnings report on March 20 that the rising dollar lowered its earnings by about two percent.
The materials industry, which includes Dow Chemical and miner Cliffs Natural Resources, also gets more than half of its sales overseas.
"We would be wary of sectors that derive a lot of their sales overseas, given that fact that we expect the dollar's strength to remain," says Kristen Scarpa, an investment strategist at Barclays Wealth and Investment Management.
Commodity Concerns
When the dollar appreciates, it makes commodities like oil and metals — which are priced only in dollars — more expensive for customers who buy them with other currencies like the euro and the yen.
That can weaken demand for commodities, hurting the profits of the companies that produce them, like oil producers Exxon Mobil, Chevron and metals companies like the aluminum producer Alcoa.
The SP mining and metals index, which includes Alcoa and the gold miner Newmont Mining, has fallen 6.6 percent this year. Energy is the weakest industry in the SP 500 in the past month, up less than 2 percent, versus 4 percent for the SP 500.
Retreat from Emerging Markets
For investors putting their money to work overseas, the stronger dollar presents a different problem.
The rising dollar impairs the value of your overseas holdings, notes Kurt Umbarger, global equities portfolio specialist at T. Rowe Price.
The MSCI emerging markets index, a benchmark of stocks in developing countries including Brazil, South Korea and China, is down 1 percent this year before accounting for changes in currency rates. When measured in dollar terms, though, the loss widens to 2.1 percent. That's because the currencies of those countries have fallen in value against the dollar.
Home Sweet Home
If you're worried about the dollar rising, telecommunications like ATT and utility companies like Duke Energy offer a haven.
These companies are shielded from the impact of a stronger dollar because they make almost all of their sales in the U.S.
Utility stocks have risen 5.1 percent in the past month, the second-best performing industry group in the SP 500.
Bigger Gains for the Small
Smaller companies make fewer sales overseas than large multinationals, so they aren't affected as much by the strengthening dollar, says Phil Orlando, chief equity strategist at Federated Investors.
The Russell 2000 Index, which tracks small companies, has risen 12 percent since the start of the year, outperforming the 10 percent advance for the SP 500.
Gains in small companies have been led by health care stocks like Keryx Biopharmaceuticals, which has risen 170 percent since the start of the year, and Coronado Biosciences, which is up 116 percent.
Wider Benefits
A gradually strengthening dollar is good for the stock market as a whole, and will outweigh the initial impact on earnings, says David Bianco, the head of U.S. equity strategy for Deutsche Bank.
As the dollar rises it lowers the cost of imports, holding down inflation. That, in turn, makes it easier for the Federal Reserve to keep interest rates low.
Because investors love the stability that low interest rates and tame inflation bring, they will be more willing to own stocks. That will push up stock prices even if corporate earnings don't increase, Bianco says.
Deutsche Bank analysts forecast that the dollar will strengthen to $1.20 against the euro by the end of the year, or about 7 percent, from its current level of $1.29. By the end of next year, they see the dollar strengthening to $1.15 against the euro.
"I'd welcome a stronger dollar," says Bianco. "It contains the risk of any surge in interest rates, or inflation risk."
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Sophomore Thomas Kolasa is in second place among individuals in the saber competition after day one of the Ivy League Championship (Harvard Athletic Communications).
Ivy League Championship Video Highlights
PRINCETON, N.J. – The No. 2 Harvard men's fencing team sits atop the standings after day one of the Ivy League Championship, tied with rival Yale at 2-0 with wins over No. 7 Penn and sixth-ranked host Princeton.
The Crimson defeated the seventh-ranked Quakers, 16-11, and beat No. 6 Princeton by a score of 17-10 to take the day one lead. Harvard still has three duals left in the round-robin format and will face No. 8 Columbia and Brown, both winless on Saturday, as well as Yale, who also wrapped up day one with a 2-0 record.
Sophomore Thomas Kolasa led the way in the Crimson's saber group, going 5-1 to sit at second in the individual standings behind Yale's Nate Benzimra (6-0). Freshman Lucas Lin led Harvard's foil group with a 4-2 mark to put him in sixth place and junior James Hawrot was Harvard's top epee fencer Saturday, finishing with a 4-1 mark to currently rank fourth.
The Crimson will conclude competition at the Ivy League Championship Sunday.


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Don Mesa // Director, Product Planning & Platform Software Innovation, SCEA -
Coming later this evening is the next system software update for PS Vita. We've listened to your feedback and have included many improvements to make your PS Vita experience much more enjoyable, such as adding a new folder system that allows you to organize your games and apps.
That's a pretty significant update. Good goin' Sony!
Love the fact you can save your home-screen layout on each different memory card, also helps identify which memory card you have in your Vita (granted you own more than 1 memory card). Also the new email enhancements and added video support :D


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Challenge to new judgment not "second or successiveâ€
DISCLOSURE: Howe & Russell and Akin Gump represented the petitioner in this case, but I was not involved in the proceedings.
Under 28 U.S.C. § 2244(b), state prisoners seeking federal habeas relief are prohibited from filing certain "second or successive" applications for relief, even if the claims made in those applications are meritorious. Yesterday, in Magwood v. Patterson (No. 09-158), the Court held that when a state prisoner obtains federal habeas relief and is re-sentenced, a habeas application challenging the new judgment is not "second or successive," even if the prisoner could have challenged the original sentence on the same ground.
Justice Thomas wrote the opinion of the Court, which Justice Scalia joined in full and which Justices Stevens, Breyer, and Sotomayor joined in large part. Explaining that the phrase "second or successive" is a term of art, the Court looked to the phrase's "statutory context" to determine its meaning. It noted that Section 2244(b) limits only "habeas corpus application[s] under §2254." Based on Section 2254(b)'s "text and the relief it provides," the Court thus concluded that the phrase ""second or successive' must be interpreted with respect to the judgment challenged."
The Court rejected the State's contention that the focus under Section 2254 is on the legality of the applicant's custody. First, it explained, Section 2254's "requirement of custody pursuant to a state-court judgment distinguishes [it] from other statutory provisions authorizing relief from constitutional violations." Second, a custody-based rule would anomalously inhibit "a prisoner who remains in continuous custody for a completely unrelated conviction [from challenging] his unrelated conviction for the first time."
The Court further rejected the State's argument that its interpretation better comported with the purpose of the statute "" viz., to prevent piecemeal litigation. The Court declined to "replace the [statute's] actual text with speculation as to Congress' intent," adding that it had "previously found Congress' use of the word "application' significant," and that a custody-based interpretation would ""elid[e] the difference between an "application' and a "claim.'"
The Court finally stressed the limited scope and implications of its holding. The procedural default rule, it emphasized, constrained prisoners' ability to bring abusive claims in the future. Not only did the Court explicitly decline to address whether Magwood's claim was so defaulted, but it also declined to answer whether a petitioner who is resentenced can challenge both his "new sentence [and] his original, undisturbed conviction."
Justice Breyer concurred, joined by Justices Stevens and Sotomayor. He emphasized that the Court "neither purports to alter nor does alter [its] holding in Panetti v. Quarterman" (2007). That case, he explained, addressed filings directed toward "a state-court judgment already challenged in a prior §2254 application." Magwood is distinct, he suggested, because it considers "a habeas petition that is the first petition to address a new "state-court judgment' that has not "already [been] challenged in a prior §2254 application.'"
In an opinion joined by the Chief Justice and Justices Ginsburg and Alito, Justice Kennedy dissented. He argued that "a petitioner loses his right to challenge [an] error by not raising a claim at the first opportunity after his claim becomes ripe." "Because Magwood had a full and fair opportunity to adjudicate his death-eligibility claim in his first petition in 1983, his 1997 petition raising this claim [for the first time] is barred as "second or successive'" within the meaning of Section 2244(b). To allow Magwood to raise that claim now, he concluded, would be to permit an abuse of the writ.


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During his playing days, Gianfranco Zola became famous for the wide smile he wore during matches, as well as his supreme technical ability. Nowadays, as manager of Watford in England's second-tier, the trademark grin remains, and he wants his players to enjoy their football too.
The Chelsea legend has stepped into coaching after a remarkable playing career in England and Italy, and his Watford side are playing the kind of free-flowing attacking football that Zola relished during his time on the pitch.
"I have enjoyed every single moment since I have been here," Zola told FIFA.com. "I have very good support from the club, the owners have been really good with me. They have created the best conditions for me to give the best for the team."
The Pozzo family took over the Vicarage Road outfit in the summer of 2012, appointing Zola shortly afterwards. The family also own Udinese in Italy and Granada in Spain, and the manager had to integrate no fewer than 14 loan signings, with 12 arriving from the 'parent clubs'.
"Not only did you have to integrate them but they came late," Zola said. "We started the season with one group of players and then we had to add more later on. It is tough for me to leave so many players out but I'm assuming it's tougher for them. They train well every day and to not play is not good."
Watford fell out of the Premier League in 2007, after finishing bottom of the top flight. Zola's side are just three points off the automatic promotion places in England's second-tier, but in spite of the Italian's early success at the helm, he insists there are no set targets.
"Because we had a lot of players that didn't know the league there was no pressure to win straight away. What we are getting now is a bonus. We have seen the potential here and we are determined to go until the end."
Zola's preferred managerial style does not fit the calcio stereotype that hangs over most Italian managers. Only Manchester United have scored more goals across England's top two divisions.
It is a part of the job that I enjoy, trying to improve young players.
"I think that although I appreciate many types of football, I do not admire the way Milan used to play. I think the way that Barcelona have played with Pep Guardiola in recent years is quite remarkable. They have won a lot and in a lot of style. That is what we are trying to do here."
One reason the Hornets have found the net so regularly is the form of top-scorer Matej Vydra, one of the loanees from Udinese, who has 19 goals in 27 league games this season. The 20-year-old Czech Republic forward has already made his full international debut and there has been talk of a permanent move to Watford.
"Obviously Matej Vydra is in the spotlight right now," Zola smiled. "But there are other players like Fernando Forestieri who is doing very well and Nathaniel Chalobah has been doing great. I have a few young players that in my opinion have got very good futures."
It is this emphasis on youth that Zola is forging a reputation for in his burgeoning managerial career. After his stint as a coach with the Italian U-21 side, a team that included current internationals Giuseppe Rossi, Sebastian Giovinco and Riccardo Montolivo, the Italian had a two-year spell at West Ham.
"It is a part of the job that I enjoy, trying to improve young players. That is why I was happy to be there at West Ham, I enjoyed my time working with the likes of James Tomkins, Jack Collison and a few others."
The influx of foreign players into the English game has often been cited as a negative impact on the development of young British players but Zola, voted Chelsea's best ever player by the club's fans, reputes that opinion.
"I think foreign players are very important to the English game. It is similar to when I was growing up as a player, having Maradona and other players in front of me. As a young apprentice you look at those players and you try to get inspiration from them and learn something.
"Maradona had a massive impact on my career. Spending time in training with him, watching him play, it was a fantastic thing for me."
Chelsea is one of those teams that is in the middle of a change of generation.
Zola developed into an elder statesman during his time at Stamford Bridge, passing on his knowledge to the younger players by the end of his time there. The adulation for him amongst Chelsea fans is obvious to this day and Zola himself told Sky Sports five years ago: "One day I would like to be good enough to manage Chelsea. They are in my heart."
Zola has dismissed recent speculation linking him with a move to Stamford Bridge though, and he recognises his former side are in a difficult period of transition, similar to the end of his Chelsea career.
"It's a difficult year for them," Zola said. "After last year you would expect some difficulties this year. The highs that they reached last season were unbelievable. Chelsea is one of those teams that is in the middle of a change of generation.
"They have such important players in the team and they are getting older so the club is trying to find replacements for them. You go through an era of transition and that is what is happening now.
"I think it is what happened when Ranieri was there. We had a very good team that had done such a wonderful job for the club and all of a sudden it was time to start changing some players. It is always a difficult time for a club. Whatever you do, it is always painful."
The Italian would love to be facing his former side in the league next season, and Zola has been impressed with the meteoric rise of the top flight since he last took to the field in the Premier League at Stamford Bridge in 2003.
"Of course the Premier League has gone up in attention, interest and the amount of money that has been invested into the league. A lot of good players and managers came over and this has brought the level of the game very high and that is a good thing for this country."
Asked if Watford would be facing the Blues in the top flight next season, Zola flashed that trademark grin once again.
"The team is responding and I am very pleased with that. I am delighted that things are going in the right direction."


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Welcome to Sustainable By Design!
Sustainable By Design is the consulting firm of Christopher Gronbeck, Seattle, Washington, USA.
Christopher provides solar engineering, green building consulting, graphic design, and web site design and programming services, primarily within the sustainable energy and architecture fields.
What would you like more information about?
SunAngle Software
Christopher's premiere solar design tool is SunAngle, a shareware program used around the world since 1995 to calculate solar angles based on location, date, and time. SunAngle runs directly in your web browser.
A more sophisticated version of SunAngle is also available for purchase. The SunAngle Professional Suite includes additional features, thorough technical documentation, and full technical support. It's available for sale on CD-ROM or by e-mail delivery.