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The corporate world has traditionally taken a flawed approach to risk management, but a better alternative is readily available.
It is well known that over the past decade, and especially over the past few years, a number of the world's most widely respected companies have collapsed. Analysts have cited equally well-known reasons for these collapses — the "usual suspects" of nonviable business models, greed, incompetent (and overpaid) management and a lax regulatory environment. Not often mentioned is another key consideration, something that appears to distinguish collapsed companies strongly from their noncollapsed counterparts. It is the breadth and depth of these companies' approach to risk management.
That risk management could be a major (though not sole) cause may seem counterintuitive. The troubled American International Group Inc., for example, was a leader in risk management and even maintained a risk-management subsidiary. Its former CEO Maurice R. "Hank" Greenberg boasted that AIG had "the best risk management [departments] in the damn industry." Bear Stearns Cos. claimed the "best-in-class processes in analyzing and managing ... risk"; even the New York Times cited the company's "carefully honed reputation for sound risk management." Fannie Mae, the Federal National Mortgage Association, touted its "excellent credit culture and risk-management capabilities," and Lehman Brothers Holdings Inc. prided itself on what its leaders called a "culture of risk management at every level of the firm."1
The Leading Question
What risk-management approach should companies adopt to help them avert future failures?
- The traditional "frequentist" approach is based entirely on the historical record.
- The alternative "Bayesian" approach incorporates judgments to complement historical data.
- The Bayesian perspective provides more powerful and accurate results.
Yet at these companies, and at others with comparable "cultures," risk management apparently performed quite dismally. How could this be? We contend that the answer lies in the concepts and practices of traditional risk management, which tend to look for risk in all the wrong places. That is, failure did not stem from merely paying lip service to risk management or from applying it poorly, as some have suggested. Instead, collapse resulted from taking on overly large risks under the seeming security of a risk-management approach that was in fact flawed. The more extensive the reliance on traditional risk management, we believe, the greater the risks unknowingly taken on and the higher the chances of corporate disaster.


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Polar Bear Mom Creates Avalanche to Save Family
Clip: Season 37 Episode 6 | 2m 55s
After being pursued up an icy mountain by an aggressive male, this mother polar bear creates a mini avalanche to save her cubs.
Aired: 11/28/18Video has closed captioning.
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subset: commoncrawl


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Quality: Full
Video Game Category: PSP
PSP Game Language:
Download Game ISO: Working
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Tested in: Firmware 3.xx OE-A
For those of you have are serious Tomb Raider: Legend addict like myself, and are into video games, have probably seen or heard of the new Tomb Raider: Legend free video game. I saw the Tomb Raider: Legend trailer about a month ago and was really impressed. I took some time to play around with this free full game Tomb Raider: Legend and I was impressed.
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Password : hako
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Note: You've downloaded (all parts) and right click on part 1 "Extract to folder, enter password,then all parts will be extracted and you will see the ISO or CSO file. Put this ISO or CSO file in to, main ISO folder which is on the PSP Memory Stick
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The actors, models, actresses and/or any other persons that appear in any visual depiction of actual sexually explicit and/or simulated sexual conduct appearing or otherwise contained on this Website were over the age of eighteen (18) years, or twenty-one (21) years of age, whichever is applicable, at the time of the creation of such.
All other pictures, graphics, videos or other visual media contained in this production are exempt from the provisions of 18 U.S.C. Section 2257, or any amendments thereto, 18 U.S.C. Section 2257A, or any amendments thereto, and/or 28 C.F.R. 75, because said visual media do not consist of depictions of conduct as specifically listed in 18 U.S.C Section 2256 (2) (A) through (D), but are merely depictions of non-sexually explicit nudity, or are depictions of simulated sexual conduct created prior to July 26, 2006, or are depictions as set forth in 18 U.S.C. 2256(2)(E) created prior to July 27, 2006, or are otherwise exempt because the visual depictions were created prior to July 3, 1995.
With respect to all visual media as defined above, whether of actual sexually explicit conduct, simulated sexual content or otherwise, all persons in said visual depictions were at least eighteen (18) years of age, or twenty-one (21) years of age, whichever is applicable, when said visual media, as defined above, were created.
European Contact: Canadastrippers2u.com – 66-68 High Street, Bushey Heath, Herts WD23 1GG


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Shi Junrong, Xi'an Evening News bureau chief in the city of Wei'an, ran into trouble recently after he reported on the costly brand of luxury cigarettes favored by local officials. He announced on his microblog that the paper suspended him soon after, according to the U.S. government-funded Radio Free Asia.
That might have been the end of the story if it weren't for the public outrage that ensued in the comments section and the media. In fact, "his suspension drew even more attention than the original story," as Chinese Communist Party mouthpiece, the China Daily, said in its coverage of the incident. The China Youth Daily published this editorial, translated by Hong Kong University's China Media Project: "Journalists' rights are a barometer for the rights of a society and public at large. When the rights of journalists are violated, when the rights of journalists are not protected, there is little hope that the rights of the people will be ensured, that their rights will not be violated."
If you're surprised to read such a stirring defense of media freedom in the mainstream Chinese press, you shouldn't be. In 2010, CPJ took a look at the growing defense of journalists' rights in China and found that these statements were neither uncommon nor censored. Nor are they incompatible with the government's position on investigative journalism, or "supervision by public opinion." On the contrary, this pro-rights mentality is encouraged by official statements. Take the Shi Junrong case: General Administration of Press and Publication official Nong Tao was quoted in news accounts defending Shi's report.
Journalists take advantage of this apparent permissiveness to protest against "silencing," CPJ found, in ways that indicate their dissatisfaction with the broader, government-run industry of information control--but only obliquely. Singling out officials who try and keep their wasteful smoking habits from scrutiny might be OK, but accusing the Communist Party of imprisoning journalists remains off limits. What's concerning is that sanctioned protests, while they are limited in this way, create the appearance of official accountability, but ultimately lack substance. As we said in 2010, "the creation of narrow, state-sanctioned press rights benefits the Chinese government ... by providing a limited outlet for journalists' concerns while diverting criticism and advocacy away from its own policies of information control."
The strategy of diverting criticism is perfectly illustrated by the week's other big media story in China: environmental protests in Shifang, western China, over a metal plant that locals feared would cause pollution. Police targeted protesters documenting the unrest, and censors erased coverage from social media, yet the sometimes-violent clashes were still the most searched topic on Weibo, Sina's microblog service, on Tuesday, according to The New York Times. When the local government cancelled building at the plant which had sparked the riots and released some detained protesters, the international press almost universally hailed it as a victory for the people.
Officials kowtowing to citizens' demands to quell protests has become routine in China, but the follow-through has not. Officials in Dalian said a chemical plant would be closed after protesters took to the streets in August 2011, but it resumed production in January, according to CNN. Authorities in Xiamen acceded to demonstrators' demands to move a chemical plant in 2007, but publicly pursued the protest organizers, according to law professor Benjamin Van Rooij from the Netherlands.
Journalists defending Shi Junrong, and middle-class locals defending their hometown in Shifang, may be articulating their rights and demanding more from China's leaders. But they are also perpetuating a cycle of protests that authorities can diffuse without the need for reform or redress for serious injustice. That is not a victory.


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Summit Up 2-25-13: Where we write this column ahead of the big events
Good morning and welcome to Summit Up, the world's only daily column that can't believe such and such a movie swept the X category and what's her name took the Oscar for best supporting. Once again, sports fans, we are at a distinct disadvantage to hypothetically participate in Monday's water cooler conversations because the big event of the week -the Academy Awards – has not yet taken place at this writing. Of course, we can make predictions (Lincoln will take best picture, they always pick the most boring contender for that category we thinks) but we don't know what the big story will be. A few weeks ago we failed to foresee the Superdome losing power in the third quarter of the big game, and today we suspect we are probably missing a major wardrobe malfunction or embarrassing stunt by wildcard host Seth McFarlane in writing this column the day before you read it. Sorry, folks! But whatever went down on the red carpet, we hope you all enjoyed judging the celebrities' slutty dresses and bemoaning the academy's poor choices of winners. ***Folks, it feels like the snowy winter we've all been waiting for has finally arrived. There's powder in all the places we like to see it: on the slopes, in the air and in the forecast. Hopefully oodles of people, including you, got out there to carve it up this weekend and had an opportunity to tell a Front Ranger to quit moaning about having to drive in it. After all, today's pavement snowpack is tomorrow's fire retardant. We out.
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


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Christian Witches
Posted 18 April 2007 - 12:11 PM
Blessed Be,
PS - I was raised Baptist, but have a Native American and European background.
Posted 18 April 2007 - 03:20 PM
I didn't lose my mind - I have it backed up on a disk ... somewhere
Posted 18 April 2007 - 03:29 PM
Posted 18 April 2007 - 05:11 PM
"Let there not be found among you one who immolates his son or daughter in the fire, nor a fortune teller, soothsayer, charmer, diviner, or caster of spells, nor one who consults ghosts or dead spirits or seeks oracles from the dead. anyone who such things is an abomination to the Lord"
The hour of departure has arrived, and we go our ways--I to die and you to live. Which is the better, only God knows. - Socrates I am the wisest man alive, for I know one thing, and that is that I know nothing. . - SocratesEnergy Hot SpotsEnergy Hot Spots New EnglandEnergyhotspots DemonicologyLet the house of Israel say / His mercy endures forever Let the house of Aaron say / His mercy endures foreverLet those who fear the lord say / His mercy endures forever
Posted 18 April 2007 - 06:00 PM
Posted 18 April 2007 - 06:10 PM
From my own experience, I believe that it is possible and that there is so much that is unaccounted for in the bible for example, a psychic who has premonitions may be interpreted as being a prophet or a witch. What is the difference between the rituals of say mass in my case (R/catholic) and sending a prayer through an energy spell for a loved one who is ill? Both make use of symbols, both are based on love and good intentions, both acknowledge a higher power or creation-energy, god/ goddess etc.. so for my part the hybrid is not necesarily a bad thing. I do however acknowldge that others may be more fundamental and conservative in their views and so may disagree with me.
At the end of the day, the names or catergories are not as important as the essence of the principles that direct our lives (for some the labels are more significant than for others)... It would be very difficult to practice both equally, you'd have to be willing to select from each and come up with your own sense of what is and should be. I dont know how particular congregations would respond to having practising wicca in their group.
just my 2c worth.
Posted 18 April 2007 - 07:05 PM
Posted 18 April 2007 - 07:40 PM
This of course, is just my personal hypothosis. But the above scenario is a transition one.
Me, I can see where the two religious paths meet and where they divide, and really it's up to the individual if they can marry the two in their spiritual life. I don't forsee any Christian Wiccian churches popping up though.
Krafted with luv
by monsters
Posted 18 April 2007 - 07:43 PM
Christians won't like you calling yourself Christian, though, if you stray too far from mainstream (and like Roger pointed out, the Bible speaks out against witchcraft). Your Wiccan friends probably will be more open, as it isn't as structured and rigid. You might even identify Jesus as the Wiccan Lord.
I have heard of one strange combination. Santeria is Voodoo that calls upon the Saints to realize their spells.
I didn't lose my mind - I have it backed up on a disk ... somewhere
Posted 18 April 2007 - 07:47 PM
I have heard of one strange combination. Santeria is Voodoo that calls upon the Saints to realize their spells.
D'oh! I totally forgot about Santeria!
Krafted with luv
by monsters
Posted 18 April 2007 - 07:50 PM
Take my hand and we'll go riding through the sunshine from above
Posted 19 April 2007 - 10:08 AM
Wicca on the other hand is a totally different religion. They don't conform.
Posted 19 April 2007 - 10:21 AM
Blessed Be,
Posted 19 April 2007 - 11:30 AM
I don't want to start a debate on the Bible or what is contained therein, however if you want to really see what the Bible has to say about Witchcraft, it might be advisable to research the texts before Constantine and King James got their hands on them. One might be surprised at exactly what those text really say.
Posted 19 April 2007 - 11:54 AM
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It is rather fitting for Ulaanbaatar, the modern-day capital of the country which was once the largest contiguous land empire in the history of the world, to have traffic lights which depict horsemen. After all, the Mongol Empire was built on the back of a fast-moving equestrian army, and modern Mongolia, with less than three million people inhabiting an area larger than Texas, Montana and California combined, still sees plenty of use for horses.
But this photo may be a sign of an even more modern Mongolia to come, one more in common with the Persian Gulf than Genghis Khan. Behind the equine lights is the 344-ft Blue Sky Tower, booming Ulaanbaatar's tallest skyscraper, a clear sign of the vast mineral wealth beneath Mongolia's endless steppes.
Photo Credit: Mert ott van!


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Towards the end of April into the early part of May, Mexican food takes center stage in our home for Cinco de Mayo. We think about all our favorite dishes and try out new things, but it's always a little awkward with the way the seasons work because in my mind Mexican food goes hand-in-hand with summer. Some of the best produce for Mexican food–tomatoes, peppers, tomatillos—are all hot weather garden items, and we won't harvest any until August.
So for the next several days I will cast my eyes longingly in the direction of all the out-of-season produce that's running $3.99 a pound and up, reminding me once again why we grow our own and preserve what we can. Of course those hothouse vegetables just won't taste the same since they've been picked before ripe. There's nothing better than a sun-ripened tomato still warm and fresh from the garden, so we wait.
But that doesn't mean we can't enjoy some good Mexican food, in fact this dish is perfect for cool weather because spinach loves cool temperatures. This is one of our favorites from Rick Bayless, a smoky spicy dish with perfectly cooked chicken breast, still juicy and tender, not dried out, just remember to stick closely to the cooking time.
[Updated September 9, 2010.]
Adapted from Rick Bayless's Mexican Kitchen, by Rick Bayless with Deann Groen Bayless and JeanMarie Brownson.
Serves 4.
small bowl
large glass dish with lid (or plastic wrap)
9×13 (or similar size) broiler-proof baking dish
4 warm dinner plates (So the chicken doesn't get cold while you cook the spinach and sauce.)
3 to 4-quart saucepan
2 to 3 canned chipotle chiles en adobo, finely chopped
1-1/4 cups (300 ml) Crema Mexicana or heavy cream or crème fraiche
4 medium-large boneless, skinless chicken breast halves, trimmed of fat
1/4 cup (60 ml) chicken broth
6 cups (about 10 ounces/284 g) stemmed spinach, rinsed and patted dry
1/2 teaspoon salt
1. In the small bowl, stir together the chopped chipotles and Crema Mexican. Smear all over the chicken breasts, then cover and refrigerate for several hours.
2. Turn on the broiler and let it get very hot. Lay the chicken breasts in the baking dish, then place about 6 inches under the broiler and cook until good and brown, about 4 to 5 minutes. Turn the chicken over and drizzle the rest of the cream around them, not on top. Set the pan back under the broiler and cook until the chicken is deep golden and no longer feels squishy when pressed, about 4 to 5 minutes. Turn off the oven. Don't forget.
3. Place one chicken breast on each warm plate and keep them warm in the oven while preparing the spinach and sauce. They will only be in the oven for a few minutes, so don't panic.
4. Scrape the broiled cream mixture into the saucepan and add the broth and spinach. Bring to a boil over high heat and stir nearly constantly until the spinach wilts and the cream reduces, about 3 minutes. Taste and season with a little salt.
5. Divide the spinach among the 4 plates and spoon the sauce around the chicken and spinach. Serve immediately.
More Good Mexican Food
And of course…
Ideas for a Cinco de Mayo Party Or When You Just Want Some Mexican Food


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I have started playing a halfling rogue. His racial bonus to AC against Opportunity Attacks is +2. Because he is an Artful Dodger he also has a class feature of adding his CHA MOD (which is +5) to his AC against 'Opportunity Attacks.
So would these bonuses stack, giving him a +7 to OA, or would it just be a +5?


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I am counting the days until spring. I watch the weather forecast like I am watching the lottery numbers being read, hoping the meteorologist is going to give me some good news.
Once the holidays are over, gardeners start dreaming about the beauty that lies beneath the surface of the soil, knowing there are bulbs under there just waiting for the right minute to bust out. Those first blooms of the season give us great joy, as they announce the end of winter.
Personally, I am impatient and can't wait to see those blooms, so I have no choice but to cheat the system when the days of winter refuse to disappear. This cheating is called "forcing" bulbs. (Forcing is the act of tricking the bulbs into thinking it is spring because they are in the warmth of your house.)
There are several ways we can force bulbs, and I have tried them all. The best part is, it is relatively easy so even the most novice gardener can successfully grow these beautiful spring flowers indoors.
The first thing you should do, (after purchasing bulbs, of course) is make them shiver! By this I mean, your bulbs need to think they were underground for the winter, so you will need to keep them below 40 degrees for 15 to 17 weeks. You can chill them outdoors, in a cool garage, or some folks like to keep them in the fridge. If you are like me and don't plan that far ahead, you can get around this chilling time by purchasing paper whites or amaryllis, neither of which requires this cooling off period.
Amaryllis (left) and paper whites (right) may be forced without a chill period. 2,3
Putting Some Roots Down
After the bulbs get their chill on, they are ready to plant. Tulips and daffodils seem to do best if planted in soil. You can fill any type of pot with a mixture of equal parts peat moss, potting soil, sand and vermiculite or perlite, then plant the bulbs a couple of inches deep.
Hyacinths, crocus and narcissi can be grown in pebbles, decorative rocks, aquarium rock, or special vases and really do not require any additional nutrients. When forcing these, put a layer of the decorative pebbles (about 2 inches deep works really well) in a shallow dish, and nestle the bulbs down into the rocks, the point of the bulb facing up. One more thing. Do not be afraid of putting the bulbs close together. Once they bloom, you will be glad you did, because not only is the color more impressive, the plants can get tall and leggy and if they are planted closely they will support one another.
Time for a Drink
Water the bulbs that are planted in the soil like you are watering a houseplant, being careful not to overwater, as the bulbs can rot. The bulbs rooted in vases or rocks should have water touching the bottom of the bulb, and not any deeper. You do not want the root systems on forced bulbs to dry out.
Soakin' Up Some Rays
Now all you need is a good sunbeam. Heat is what is going to wake up the bulbs and get them to bloom. Move your pot to a sunny window to get the plants warmed up, and they will take off. You may want to give the container a little turn occasionally to make sure the flowers are all getting the same amount of sunlight.
Now the hard part … the waiting. Get out your flip flops, and pretend spring is springing! In a few short weeks, your house will be full of colorful blooms and intoxicating fragrance. This scent is something we tend to miss when these gorgeous bloomers are planted outdoors.
After the bulbs have bloomed and are spent, you can replant them outside. You will need to let the bulbs die back just like you would if they had bloomed naturally. They will get scraggly and once you see the leaves turning brown, cut them back and plant them outdoors.
And lastly, don't try to "re-fool" them. The bulb will not let you force them a second time. Maybe all of that showing off wears them out.
Photo Credits:
1-3 Photos courtesy of the Netherlands Flower Bulb Information Center.
4 Photo courtesy of Stacey Mollus.


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ProudPapaFour needed a new logo design and created a contest on 99designs.
A winner was selected from 82 designs submitted by 36 freelance designers.
Logo is for new coaching site for Deena Morton at deenamorton.com. Must be flexible to achieve desired look and feel of logo.
deenamorton.com, Deena Morton
Desired Color Scheme:
ocean blues, turqoise, greys, and blacks
Desired Style:
transparent background, dropshadows, and name in handwriting style
Accepted File Formats:
Standard Web Formats (.jpg, .gif or .png)
Looking for logo with initials DM with name Deena Morton implemented into the logo.
Colors:Â ocean blue, turqoise, greys, and blacks.
Drop shadow(s) implemented into the design
Copy and trademarks owned by Deena Morton, deenamorton.com
Must be willing to work with flexibility to acheive the desire logo.
Find out how a design contest works or learn more about our logo design services.


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The Dumbarton Oaks Rare Book Collection houses a collection of twenty-one paintings by the renowned British botanical artist, Margaret Mee (1909–1988). Known for her scientific attention to detail and painstaking color accuracy, Mee specialized in the flora of the Amazon. In 1967, Mrs. Robert Woods Bliss began the artist's relationship with Dumbarton Oaks by purchasing three botanical paintings from her recent expedition into the Amazon. Mee's published diaries describe the instant connection: "A portfolio of her work was showing in Washington, D.C., and some paintings on view in a small shop caught the eye of Mrs. Woods-Bliss who arranged a soiree at her famous home, Dumbarton Oaks." The soiree took place in April 1967. At Mrs. Bliss's invitation, Mee presented an exhibition of her work and delivered a lecture on her experiences in the field.
Mee painted the following twenty-one gouache* paintings during her first three expeditions into the Amazon from 1956 through 1969. She eventually made a total of fifteen trips into Amazonia to collect and paint the tropical flora before her death in Great Britain in 1988. Mee's work grew out of a larger tradition of botanical illustration that reached its zenith in the nineteenth century. At that time, botany evolved into a discrete scientific discipline, and both European and American botanists studied native and exotic specimens brought back from remote journeys. Mee, however, was known for painting specimens in the field in an effort to capture detail and living color. Her dedication to accuracy and craft sets her work apart among botanical artists.
This exhibit provides Dumbarton Oaks an opportunity to display paintings acquired by Mrs. Bliss that reflect the work of Mee's early journeys, when she had only just begun to chronicle the flora of the Amazon.
*Gouache is a form of watercolor. The pigments are mixed with zinc white and are opaque when applied to a surface.


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Mark Reckless, Bill Cash, Douglas Carswell and the other feral Tory Eurosceptics are quite simply wrong on the EU budget. At best they have either not bothered to do their homework or quite simply and naively believe the plethora of misinformation that surrounds us in Britain. At worst they are so utterly opposed to the European Union that they will always twist the truth to suit their own purposes.
I was particularly disappointed by an article in the Sunday Times full of prejudice taking little account of the facts. Britain actually received a £5 billion rebate back from the EU last year and will continue to get this sum adjusted for inflation for every subsequent year. The reason the UK is one of the highest contributors to the EU is that we are one of the largest member states.
What is more, the EU budget is nothing like as huge as current folk lore would have us believe. In 2011 it was € 140 billion. The average EU citizen pays only about 50p on average per day to finance the annual budget which represents only around 1% of EU-27 Gross Domestic Product
The budget is, in addition, always balanced, meaning nothing is spent on debt. Moreover 94% of what is paid into the EU budget is spent in Member States on EU funded programmes, many of which are about economic development creating jobs and generating wealth. Those who complain about EU payments to Kosovo being lost to corruption as outlined in the Sunday Times would do well to understand that this is proportionately a very small sum of money. Of course, corruption is always wrong, but the Tony Blair and Gordon Brown decision to support Kosovo was made in good faith with the aim of rebuilding the war torn country.
I get very annoyed when we are told that the EU budget and almost everything else is imposed by Brussels. The budget and, indeed all European legislation, is decided by elected politicians, in the European Parliament and in the Council of Ministers comprising member states' elected governments. The EU never "imposes" anything on member states; it is all agreed by elected governments and elected MEPs.
The Sunday Times article sadly relied on briefing from the Open Europe think tank. They are by their own admission anti-EU as this quote from their website demonstrates: "While we [Open Europe] are committed to European co-operation, we believe that the EU has reached a critical moment in its development. Globalisation, enlargement, successive No votes in EU referenda and the Eurozone crisis have discredited the notion of 'ever closer union' espoused by successive generations of political and bureaucratic elites."
While this is an opinion, it is not the only one and the Sunday Times would have done well to take on board other arguments. They tell us that 53% of those in David Cameron's Witney constituency favour withdrawal from the EU. That means that 47% do not, enough I would have thought for their views to be taken on board.


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BOISE, Idaho (AP) — Organizers of a predator derby in Idaho say 21 coyotes but no wolves were shot by about 60 hunters.
Steve Alder of Idaho for Wildlife, the weekend event's promoter, said the low tally helps prove sport hunting isn't a very effective tool in managing Idaho's wolves.
The derby near Salmon in Idaho's mountains proceeded after a fight between its organizers and environmentalists in U.S. District Court.
A judge Friday ruled against event foes including WildEarth Guardians who wanted the derby scotched on grounds the U.S. Forest Service hadn't issued a permit.
U.S. District Magistrate Judge Candy Wagahoff Dale decided no permit was needed.
Alder's group offered two separate, $1,000 prizes — one for the hunter who killed the biggest wolf, the other for the hunter who bagged the most coyotes.


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Greeting Tennis Junkies,
Our long and winding journey has led us here - to the gritty hard courts of the U.S. National Tennis center in Queens, New York. Once again the slates have been wiped clean. Sure, if you've been following the sport you know that this is Federer's and Serena's tournament to lose. There's no denying that, but there's also no denying the fact that their are a bevy of drooling competitors with not only the desire, but also the talent to knock Roger and Serena off of their high horses.
Without any further ado, let's begin this year's U.S. Open coverage by previewing the draws.
Men: Roger Chases Bill Tilden
Federer's Quarter: What can the man who has shattered all the records find to motivate himself? How about a record that hasn't been shattered? To do that you have to go all the way back to the 1920's when Bill Tilden won six consecutive U.S. Opens. Strangely, in the Open Era, not one single player has ever won the same event more than five times.
With a sixth consecutive triumph at Flushing Meadows, Federer could increase his stranglehold on the record books. Only a true seer would have predicted that, given that Federer was smashing racquets in Miami in April, and looked like he was more than likely at the end of his reign of dominance. But a lot has changed since spring.
Federer's legacy is intact. And his chances here look much better thanks to a fortunate draw. It could have been a lot different if Nadal or Del Potro were drawn into Rogers quarter, but the draw was once again very fortunate to Mr. Federer.
Federer opens with the barely-out-of-the-womb American Devon Britton, but might be tested as early as the third round by Lleyton Hewitt. He's also got Robin Soderling and up-and-coming American Sam Querrey in his quarter, in addition to an in-form Nikolay Davydenko. None of these names strikes fear into the heart of Federer fans, as he's won his last 37 matches against Davydenko, Soderling, Querrey, and Hewitt combined.
Semfinalist: Federer
Djokovic's Quarter: Odds are that we'll see a repeat of that thrilling quarterfinal match that the Joker had with Andy Roddick in last year's U.S. Open quarterfinal. It might have been the last time that Novak played with a chip on his shoulder as he fought hard to ensure that the New York crowd did not experience the joy of willing their great American hope to victory.
In the chaos of an emotional post-match interview Djokovic made no secret of the fact that he didn't appreciate the crowds unruly support of Roddick. He didn't appreciate Roddick's crass comments about his propensity for injury timeouts during matches either, and he made it known. He left to a chorus of boos and derogatory chides, and emerged in the semi-finals against Federer like the only thing he wanted to prove was that he wasn't such a bad guy after all.
Federer didn't mind, but those who wanted a good match surely did.
Since then it's been a lot of ups and downs for Novak. Roddick, on the other hand, has played superbly. Even in defeat against The Mighty Federer in the Wimbledon finals he raised eyebrows with his determination and ability to dictate against the Swiss maestro on grass.
A possible Roddick-Isner third round match could be compelling for American fans, as is a possible Roddick-Verdasco fourth round match. Djokovic will have to battle Ivan Ljubicic in the first round - no easy task - but if he plays the way he's capable of, he should have no problem reaching the quarters.
It is in the quarters that he'll have to play with the chip on his shoulder again, or be bounced mercilessly into the New York night.
Semifinalist: Djokovic
Nadals Quarter: Shrouded in mystery, the force that is Rafa enters the tournament with relatively few matches under his belt. Even fewer of them have been good, but in the later stages of the Cincinnati Masters event, Rafa seemed to be dialing in his form.
He better be, because the Rafa we saw in Montreal, and for the first few rounds at Cincinnati, was clearly not the in-form Rafa that we became enamored with in the latter phases of 2008 and the early phases of 2009.
The question when it comes to Rafa is very simple: Has he shaken enough of the rust from his game to answer the bell in New York, the only Slam venue where he hasn't sank his teeth into the winners trophy?
I wouldn't put it past him, but I don't think I'm exaggerating when I say that it's going to be more of an uphill battle for Rafa than usual. If he can steadily improve over the course of the first few rounds, and manage to tighten up his baseline game, he'll be in good shape. But his serve is even a bigger question. Not only was it slower than usual in the Masters events, it was also not as accurate or lively. He's still the best returner on tour (along with Murray), but if he's getting broken too often it's going to be hard for him to gain momentum.
Possible battles with David Ferrer, Nicolas Almagro, Gael Monfils, and either Tomas Berdych or Jo-Wilfried Tsonga await.
The more Rafa hangs around, the more dangerous he will become. He's become more of a forgotten man with all the hoopla surrounding Federer, and to a lesser extent Murray and Roddick, but with each match the anticipation will heighten.
Semifinalist: Nadal
Murray's Quarter: Muzz will not be mugged at every practice session and each trip to the coffee shop like he was at Wimbledon. He'll also be on a surface that he enjoys more than grass, and he'll be at the site of the lone Grand-Slam final appearance of his young career. The skies are indeed rosy for the newly anointed No. 2 player in the world. There is even the small possibility, with an early Federer loss and a Murray triumph, that the 22-year-old Scot could snatch the No. 1 ranking in two weeks.
But there could be a fly in the ointment. The tall imposing figure of Juan Martin Del Potro, the man none of the big four wanted to see in its quarter of the draw, awaits a rematch. And if Murray is content to play his defensive style where he waits for the opponent to make the mistakes, he just might find himself waiting for his plane back to Miami with the way Del Potro can produce winners and aces.
The Argentine, ranked a paltry 65 after last year's Wimbledon, has quickly become a permanent fixture in the top-ten. And he still seems to be building momentum. While he's tough on clay, he's even nastier on the hard court. The youngest player in the top-ten boasts a world class serve to go with penetrating ground strokes and a surprisingly deft touch with volley. He's also deceptively quick.
The only knock on Juan Martin is his fitness level. In his loss to Murray in the finals at Montreal, he needed the trainer to work on his shoulder and he limped to the finish line against Murray, who was clearly the superior athlete when it came to stamina. In his three-set victory over Andy Roddick in Washington, Del Potro looked lethargic at times in the oppressive heat, but there he managed to take the title.
Del Potro is definitely right on the cusp of another breakthrough, and if history is any indication he won't want to wait until next year. He skipped Cincinnati to work on his conditioning and over-all health, and he'll undoubtedly benefit from the fact that this years Open is getting it's latest start in the history of the tournament. Less heat and humidity might mean more Del Potro winners.
Other possible contenders in this quarter are Dr. Ivo, Ivo Karlovic, who is slated for a third round match with Andy Murray. Marin Cilic, Stan Wawrinka, Gilles Simon, and Juan Carlos Ferrero could also do some damage if they can get hot.
And don't forget about Marat Safin, playing in his last U.S. Open. It's unlikely, but you never know.
Semifinalist: Del Potro
Semi Finals: Federer over Djokovic, Del Potro over Nadal
Finals: Del Potro over Federer


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Emboldened by Evanston voters' decision to eliminate their township, longtime township opponent Bob Anderson sees an opening.
Anderson, of Wonder Lake, is asking all 24 members of the McHenry County Board to put an advisory referendum on the Nov. 4 ballot to voters in six townships asking whether their particular township should be abolished. The six townships he chose – McHenry, Nunda, Algonquin, Grafton, Dorr and Burton – are predominantly covered by municipalities.
The ballot box is a tactic that Anderson has tried before – voters shot down his 1998 referendum to abolish McHenry Township by a 3-to-1 margin, as well as a 1994 referendum that sought to eliminate townships by changing to a county commissioner form of government. But Anderson said much has since changed, not counting increasingly frustrated taxpayers: State lawmakers have created a mechanism by which one township could eliminate itself and pass on its services without hassle, and voters took advantage of it.
And the elimination of Evanston Township, too, started with an advisory referendum. While it was a special case – the entire township is covered by the City of Evanston – Anderson sees townships that are mostly covered by municipal boundaries as the next logical progression.
"I'm confident. I'm confident that [the County Board] will get it to the voters," Anderson said.
There are 1,432 townships spread out among 85 of the state's 102 counties. Supporters of township government call it the most localized and direct form of democracy available to taxpayers, providing needed services. Opponents like Anderson call it an anachronism, rife with nepotism and patronage, that has created services in order to justify its continued existence.
While Article 7, Section 5 of the Illinois Constitution allows townships to be abolished either individually or countywide by popular vote, the only mechanism codified in state law provides for eliminating all townships within a county. The mechanism pushed by Evanston state Sen. Daniel Biss applied only to Evanston Township.
Evanston Township was one of 20 "coterminous townships" in Illinois, meaning their boundaries fall completely within a municipality's boundaries. In Evanston's case, the city's mayor and aldermen serve as the township board, but the township has an elected supervisor and assessor.
Evanston's voters in 2011 approved an advisory referendum in favor of dissolving the township. Biss, a Democrat, first filed a bill that would have allowed voters in any township to force a binding referendum abolishing it with the signatures of at least 10 percent of its registered voters. But the bill ran into trouble with Township Officials of Illinois, a powerful Springfield lobbying group.
When it was clear Biss did not have the votes to pass it, he amended the bill to apply to only five of the state's coterminous townships, but he still did not have the votes. He amended it again to apply only to Evanston Township and it passed, over the maintained objections of the lobbying group.
Evanston Township voters approved dissolution in the March primary, and the township's existence ended May 1.
Anderson said a strong showing in advisory referendums could influence state lawmakers to create a mechanism for abolishing townships consisting mostly of municipal territory. But county officials, while they may approve the advisory referendums, have historically opposed the idea on the grounds of having to absorb such functions as general assistance and more road miles to maintain.
At least one township supervisor was unimpressed by Anderson's latest effort.
Algonquin Township Supervisor Dianne Klemm called the advisory referendums another attempt at "his purpose in life, as far as he's concerned, and that's ridding the county of townships."
"He can go ahead, and the voters will answer him. We have a lot of work here. If he ever came here, he'd see that. I can't afford to worry about Bob Anderson. He's too far out for me," Klemm said.
Unlike his previous endeavors, Anderson has had success with advisory referendums. He successfully got the County Board to put an advisory referendum on the November 2012 ballot asking whether people should be allowed to hold more than one elected office simultaneously – state law in many circumstances allows elected officials to hold multiple offices at the same time. About 90 percent of voters agreed that elected officials should be limited to only one.
The township form of government is used in 20 states, from New England through the Midwest. No states in the South or West have townships.
Local governments have until Aug. 18 to put advisory referendums on the November ballot.
Township foe asks for targeted advisory referendums
Emboldened by Evanston voters' decision to eliminate their township, longtime township opponent Bob Anderson sees an opening.


text: Job Discussion Forums :: View topic - Teaching other languages Get TEFL Certified & Start Your Adventure Today! Job Discussion Forums"The Internet's Meeting Place for ESL/EFL Students and Teachers from Around the World!" FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in Teaching other languages Job Discussion Forums Forum Index -> Turkey View previous topic :: View next topic Author Message QaaolchouraJoined: 10 Oct 2008Posts: 539Location: 21 miles from the Syrian border Posted: Wed Dec 05, 2012 2:01 pm Post subject: Teaching other languages So, I've realized that there seems to be a small demand for Spanish in Gaziantep, but not nearly enough of a demand for them to start importing native teachers. And of course there don't seem to be any Turkish speakers of Spanish already here. I've met a few who say they want to study Spanish, but don't know a place that offers it. This has got me wondering whether this might not be a demand that I could fill. My Spanish is decent, but not great, I'd say I'm probably "conversant," (though maybe I should take whatever the Spanish equivalent of the TOEFL is sometime to check). Overall, I'd estimate that I'm probably at about the level the average Turkish language school teacher is in English, and that like a lot of Turkish English teachers my grammar far exceeds my vocab and fluency. I've traveled to a couple Spanish speaking countries and can generally communicate with native Spanish speakers, not just to get around but to chat about life, travel, and politics. I can read Spanish newspapers easily, textbooks somewhat less easily, and novels only with great difficulty and the help of a dictionary. I was turned down for a job in the United States where speaking Spanish was a requirement, on the grounds that my Spanish wasn't good enough. (Of course in the US I was certainly communicating against a large pool of Spanish-English bilinguals, and anybody I'd be teaching in Turkey would be a true beginner.) So the question is: has anybody ever offered private lessons for a language other than English? If you have, what would you say your level was, how did you convince your students of your level, and how much did you charge relative to what you'd charge for English private lessons? Thanks, ~Q Back to top cartagoJoined: 19 Oct 2005Posts: 283Location: Iraq Posted: Wed Dec 05, 2012 5:09 pm Post subject: I did this at a course I worked for but it wasn't very serious. We had a group of child students and I taught them Spanish once a week, normally I taught them English. The director just wanted to try something different I think and the students were a bit interested in it. I would say my level was about like yours. If you can find people interested then go for it. The only problem I see is that the students might just be mildly interested in learning it. I've noticed when people in Turkey show interest in learning a foreign language other than English or German unless it's a more urgent need they just want to learn it because they're interested in Spain or think it might be nice. Probably the same everywhere. So maybe they kind of want to learn Spanish but not really. Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Job Discussion Forums Forum Index -> Turkey All times are GMT Page 1 of 1 Jump to: Select a forum Where to Begin----------------General DiscussionNewbie ForumCurrent Events ForumTechnology ForumOnline Teaching Forum Africa Forums----------------General Africa Forum Asia Forums----------------CambodiaChina (Job-related Posts Only)China (Off-Topic)Hong KongIndiaIndonesiaJapanMalaysiaPhilippinesSingaporeTaiwanThailandGeneral Asia ForumVietnam Caribbean Forums----------------General Caribbean Forum Europe Forums----------------Czech RepublicFranceGermanyGreeceItalyMacedonia and the BalkansPolandRomaniaRussia & C.I.S.SpainTurkeyUkraineUnited KingdomGeneral Europe Forum Latin America Forums----------------ArgentinaBrazilChileColombiaCosta RicaMexicoMexico (off-topic)PeruGeneral Latin America Forum The Middle East Forums----------------BahrainEgyptIsraelKuwaitOmanQatarSaudi ArabiaUnited Arab EmiratesGeneral Middle East Forum North America Forums----------------General North America Forum Oceania----------------Australia/New Zealand You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum This page is maintained by the one and only Dave Sperling. Contact Dave's ESL Cafe Copyright © 2018 Dave Sperling. All Rights Reserved. Powered by phpBB © 2001, 2002 phpBB Group Teaching Jobs in China


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The following piece by Richard Viguerie appeared in Sojourners recently. I liked it so much, I'm just reproducing it here.
When Governments Kill
A conservative argues for abolishing the death penalty.
by Richard A. Viguerie
On most public policy matters, Jim Wallis and I disagree. Both of us,
however, do believe that the death penalty should be
abolished—although we may not agree on how that should be done.
I'm a Catholic. Because of my Christian faith, and because I am a
follower of Jesus Christ, I oppose the death penalty. I'm a
conservative as well, and because my political philosophy recognizes
that government is too often used by humans for the wrong ends, I find
it quite logical to oppose capital punishment.
I have been criticized by some conservatives for my opposition to the
death penalty. On the other hand, some conservatives have told me they
question capital punishment or even oppose it, but believe that the
conservative "position" is to support it. Fortunately for me, even if
someone were to question my conservative bona fides (I've never been
called not conservative enough, trust me), I wouldn't care.
The fact is, I don't understand why more conservatives don't oppose
the death penalty. It is, after all, a system set up under laws
established by politicians (too many of whom lack principles);
enforced by prosecutors (many of whom want to become
politicians—perhaps a character flaw?—and who prefer wins over
justice); and adjudicated by judges (too many of whom administer
personal preference rather than the law).
Conservatives have every reason to believe the death penalty system is
no different from any politicized, costly, inefficient, bureaucratic,
government-run operation, which we conservatives know are rife with
injustice. But here the end result is the end of someone's life. In
other words, it's a government system that kills people.
Those of us who oppose abortion believe that it is perhaps the
greatest immorality to take an innocent life. While the death penalty
is supposed to take the life of the guilty, we know that is not always
the case. It should have shocked the consciences of conservatives when
various government prosecutors withheld exculpatory, or opposed
allowing DNA-tested, evidence in death row cases. To conservatives,
that should be deemed as immoral as abortion.
The death penalty system is flawed and untrustworthy because human
institutions always are. But even when guilt is certain, there are
many downsides to the death penalty system. I've heard enough about
the pain and suffering of families of victims caused by the long,
drawn-out, and even intrusive legal process. Perhaps, then, it's time
for America to re-examine the death penalty system, whether it works,
and whom it hurts.
On how society would ever get to the point of abolishing the death
penalty, if it were to do that, I have my conservative views. It must
be done in a way consistent with our constitutional system. That means
it cannot be imposed by the courts or by the federal government
(except for federal cases). In my opinion, the Constitution does not
grant the federal government the authority to ban the death penalty in
the states. That must be left to the people's representatives in their
respective states, which also means that judges must not take it upon
This is why I am joining my friend Jim Wallis in a coalition of
liberals and conservatives calling for a national moratorium and
conversation about the death penalty, so people can study, learn,
think, pray if they wish, about whether or how the various state
death-penalty systems should be changed. I hope you'll join us.
Richard A. Viguerie has been called "one of the creators of the modern
conservative movement" by The Nation magazine.
When Governments Kill. by Richard A. Viguerie. Sojourners Magazine,
July 2009 (Vol. 38, No. 7, pp. 10). Commentary.
Love Wins


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First off, Kick Ass... these have got to have the best name of any shorts I've ever looked at. There, now that's out of the way, so are they any good apart from that? Well, these days you're lucky if you can get much of a choice of shorts for £25. Wiggle, Edinburgh Bicycle and Altura all do a short or two around this price, but they are thin on the ground in general.
The Kiss Ass is a fairly lightweight lycra short with a six panel construction and synthetic chamois pad that is aimed primarily at mountain bikers, but is actually more of an all rounder, given the fairly generic nature of the pad.
The main fabric is soft and wicks moisture well, while avoiding any of the unwanted baggyness that can be a problem with some cheaper shorts. There's no real positive muscle support per se, but they are comfortable to wear and don't bind the legs. The pad itself is a pretty good quality, well shaped Coolmax pad very reminiscent of some of Endura's lower end shorts and tights. The legs are secured with leg grippers and the waistband is broad and fully elasticated. Basically, all the features you could want from a basic technical lycra short are present and correct. There's even a bold reflective logo on one thigh.
Wear comfort is surprisingly good. The pad conforms nicely and is unobtrusive but provides a decent level of cushioning. With it being a fairly generic design of albeit female specific pad, there's no real problem with ride position specific zoning, so the shorts do make a good all-round option for either road riding or mountain biking or any other type of riding for that matter. The only niggle would be the waistband which could do with being a touch higher at the back than it currently is.
Sizing is true to size, with a size 12 being like a high street 12 rather than smaller, as with many brands.
All said and done, these would make an ideal budget purchase, or for those trying out lycra shorts to see how they get on.
Good value for money for a basic no-frills comfortable lycra short.
If you're thinking of buying this product using a cashback deal why not use the road.cc Top Cashback page and get some top cashback while helping to support your favourite independent cycling website
road.cc test report
Make and model: Dare 2b Women's Kick Ass Shorts
Size tested: Black, Size 12
Tell us what the product is for, and who it's aimed at. What do the manufacturers say about it? How does that compare to your own feelings about it?
Aimed primarily at mountain bikers but a fairly generic chamois pad so fine for all types of cyclist.
Tell us some more about the technical aspects of the product?
6 panel construction
82% polyamide
18% elastane
Coolmax synthetic pad
Gel gripper tape at thighs
Reflective logo
Elasticated waistband
Machine washable at 30
Available in sizes UK8-18
Nicely finished for the most part but a slightly bulky joining of seams at the edge of the pad is not ideal.
Comfortable and unobtrusive
Decent tough fabric and a good quality pad mean they should last well.
Neither impressively light nor over heavy.
Surprisingly comfortable for my expectations of the price.
Really good value for those looking for an entry level short or those on a budget.
Tell us how the product performed overall when used for its designed purpose
Performed very well as a basic women's lycra short.
Tell us what you particularly liked about the product
Price, pad comfort
Tell us what you particularly disliked about the product
Waistband elastic and shape (could have been higher at the back)
Did you enjoy using the product? Yes it was fine.
Would you consider buying the product? Possibly.
Would you recommend the product to a friend? Probably, especially one on a budget or just starting out.
Anything further to say about the product in conclusion?
Good value for money for a basic but well thought out and comfortable women's lycra short.
About the tester
Age: 37 Height: 1.65m Weight: 67kg
I usually ride: My best bike is:
I've been riding for: 10-20 years I ride: Most days I would class myself as: Experienced
I regularly do the following types of riding: commuting, touring, general fitness riding, mtb,
Lara has been riding bikes for longer than she'd care to admit, and writing about them nearly as long. Since 2009 she has been working as part of the road.cc review team whilst championing women's cycling on the side, most notably via two years as editor of the, sadly now defunct, UK's first and only women's cycling mag, erm, Women's Cycling.
Believing fervently that cycling will save the world, she wishes that more people would just ride a bike and be pleasant to each other.
She will ride anything with two wheels, occasionally likes to go fast, definitely likes to go far and is always up for a bit of exploring somewhere new and exciting.


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A few days after publicly expressing frustration with the state's decision-making...
A few days after publicly expressing frustration with the state's decision-making process on hydrofracking, the chairmen of three Assembly committees have announced they will host a public hearing on the latest proposed regulations.
Assemblymen Robert Sweeney, D-Suffolk County; Charles Lavine, D-Nassau County; and Richard Gottfried, D-Manhattan, unveiled the hearing today after sending a letter to Department of Environmental Conservation Commissioner Joseph Martens earlier this week
. The hearing will be held in Albany on Jan. 10 -- one day before a public-comment period on the state's latest hydrofracking proposals is set to expire.
Anyone will be allowed to testify at the hearing, according to Sweeney's office. Instructions for signing up to speak will be forthcoming when an official notice goes out.
The state DEC released an updated set of proposed rules for large-scale hydrofracking as part of a legal maneuver to extend a Nov. 29 deadline by 90 days. A comment period on those proposals opened Wednesday.
Sweeney chairs the Assembly Environmental Conservation Committee, while Gottfried heads the Health Committee. Lavine is in charge of the Administrative Regulations Review Commission.


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Phone: 617-726-2740
Dr. Meredith August is known for her body of work on diagnosis and reconstruction in patients with cancers of the oral and maxillofacial region.
After receiving her BA summa cum laude in English literature from Union College, Dr. August attended the Harvard School of Dental Medicine, where she received her DMD with honors. She completed the Harvard-MGH residency in oral and maxillofacial surgery, earning her MD from Harvard Medical School. She is a diplomate of the American Board of Oral and Maxillofacial Surgery.  She is currently Associate Professor of Oral and Maxillofacial Surgery at Harvard School of Dental Medicine.
Fluent in Mandarin, Dr. August maintains a clinical practice that spans the full scope of oral and maxillofacial surgery, including orthognathic surgery, dentoalveolar surgery, dental implants, and oral cancer. She was coeditor of Treatment of the Female Oral and Maxillofacial Surgery Patient, an issue of Oral and Maxillofacial Surgery Clinics (2007).
Oral and Maxillofacial Surgery
15 Parkman Street
Boston, MA 02114-3117


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Dear ABC News Fixer: Last November, our mortgage was sold to a new servicing company, Ocwen Loan Servicing. We have documented, irrefutable proof that we have made all of our payments to Ocwen on time and in full.
However, two days after we got our March statement showing our account was in good standing, Ocwen sent us a certified letter stating that they had not received a payment from us in three months. They said if we didn't pay them $9,184.53 by the first week of April, they would initiate foreclosure proceedings.
We are beyond furious.
We have been on the phone with Ocwen's overseas "customer service" department for hours on end and have emailed everyone from the CEO on down, and have gotten nowhere. I suspect that our credit, which was previously excellent, is now circling the drain. I have researched Ocwen online, and have discovered that they settled a government lawsuit in 2013 for $2 billion.
We have two young sons at home and are by no means wealthy. We are just honest, hard-working people who are being run over by a corporation. Please help!
– Jennifer Martens, North Aurora, Ill.
Dear Jennifer: If Franz Kafka were alive today, we're thinking this Ocwen story would make a nice plotline: You had your loan servicer unwittingly switched, but you paid your bills. Ocwen's own account statements said you paid your bills, and your bank said you paid your bills … and then Ocwen said you didn't pay your bills. And then Ocwen said they could see that you did pay your bills, but they couldn't make their computer say you paid your bills.
What a headache.
Seriously, though, your account was pretty screwed up. When the ABC News Fixer contacted them about the problem, Ocwen told us they had escalated the case and were urgently trying to fix it.
The good news is you had plenty of documentation showing you had made your loan payments on time. It took about a month, but eventually Ocwen was able to get your account properly credited and remove the threat of foreclosure.
Robert Kaltenbach, director of Ocwen's office of the ombudsman, told us that everything should be fine going forward, though the company never gave us an explanation for why this happened. You said the story you got was that when they took over the loan, someone apparently inputted the terms into their system incorrectly. From there, it spiraled out of control, resulting in the supposed late payments and $7,098.75 in mysterious added "fees/expenses."
You are correct that Ocwen has had bigger troubles than this. In March, a federal judge finalized a consent judgment between Ocwen and the U.S. Consumer and Financial Protection Bureau, 49 states and the District of Columbia over allegations that Ocwen deceived consumers about their loans and engaged in illegal foreclosures.
The company did not admit any wrongdoing, but it agreed to provide $2 billion in principal reduction to consumers with underwater loans and refund $127.3 million to consumers who were foreclosed upon. Under the terms of the settlement, Ocwen also said it will adhere to a number of consumer protection measures.
One last note — you said the Ocwen rep assured you that the correct payment history will be sent to the credit reporting bureaus. That's good. Every consumer should check their free credit report annually at www.annualcreditreport.com.
– The ABC News Fixer


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It's Durga Pujo time and I am feeling nostalgic. About people, about food, about the adda and more. So I made something special - Potoler Dolma. Potol is pointed gourd and is available during the summer. I didn't like Potol growing up and would crib about it whenever my mother made it. But times change, and now I go searching for it in Indian stores in the US.
Imagine my surprise when I found some fresh ones in the Indian store in Ann Arbor. I scooped it up and brought the coveted vegetable home and called my parents hoping to get thakuma's (paternal grandmother) recipe. But long conversation ensued and we kept talking about what actually went in her recipe. I remembered it differently than my father and my brother. Well, that's what memories are all about!
We finally came to an agreement and I got my ingredients together to make it.
Now Potoler Dolma is a quintessential Bengali recipe in my mind. Imagine my surprise when I find out that Dolma is not really Bengali, it's originally Portuguese and has been Bengalified with Potol. :)
You can make the dolma filling any way, there are hundreds (ok slight exaggerations here) of mixes with prawns or scraped coconut mix or dry fruits or minced meat or boneless fish or vegetables like mushrooms or mashed potatoes and paneer. I decided to do it vegetarian and simple, like my grandmother usually made.
It is a time consuming process and took me good couple of hours to finish it. But it was totally worth it. What better way to celebrate the pujo than with a good meal that takes you back to your childhood!
8-10 Potol (pointed gourd)
1/2 cup scraped Coconut
1 1/2 tspoon Mustard seeds
5-6 almonds
1 tspoon Ginger paste
1/2 tsp Cumin powder
1/2 tsp Red chili powder
1/2 tspoon turmeric powder
1 tspoon roasted and ground cumin seeds
1 tspoon coriander powder
1 or 2 Bay leaves
3-4 Cardamoms
1 stick cinnamon
1 tomato - chopped
3-4 tbspoon oil
1/4 tspoon sugar
Salt to taste
3/4 cup water
There are few steps which I have tried to divide to make it easier:
Scooping and cleaning the potols: Wash the pointed gourd and scrape the skin alternately. Then cut one end of the potol and start scooping out the seeds and flesh with your finger or with the help of a spoon. Sprinkle little salt and leave for few minutes.
Don't throw the seeds and the flesh, it goes back in the stuffing!
Making the stuffing: Meanwhile heat some oil in a pan add the mustard seeds. Then add the almonds, coconut and the flesh and seeds that you scooped out. Saute till the coconut slightly changes its color to light brown. Then add salt and sugar, cumin seed powder and 1/4 tspoon red chilli powder, fry them for another couple of minutes. Add 1-2 tspoon water to mix it together. Take it out from the pan and cool it to room temperature. Put it in a grinder and mix it together so the mustard seeds, the potol seeds and the almonds are ground to a smooth mix.Filling the Potol: Once the filling has cooled, take the potol and stuff it with the mix.
The final putting it together: Heat the rest of the oil in a saucepan and temper it with bay leaves and cardamoms and cinnamon. Add the ginger paste and tomato and saute for a minute. Then add the roasted cumin seed powder, red chilli powder, turmeric and coriander powder. If you have any filling left, add it to the curry now. Add water and adjust for salt. Once it comes to a boil, add the stuffed potols in it and simmer on low heat for 8-9 min till the potol is completely cooked.
Serve the potoler dolma or dorma with plain white rice.
I found a great video about stuffing the potols on YouTube. Here is the link: http://www.youtube.com/watch?v=WCz3gcWsKFQ
Have a wonderful pujo everyone!


text:
Nokia C3 themes
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The Nokia C3 is the first of three new messaging devices to break cover today. Its also the first Series 40 device to come sporting a full QWERTY keyboard, but thats not the only trick up its slender sleeve.
Top, New and Popular Wallpapers for Nokia C3. The collection of Free Wallpapers for Nokia C3 right here to be download. We update the collection of Wallpapers daily.
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text:
Programs Offered: Major, Minor
Because we believe that the most powerful learning experiences come from personal interaction, our students and professors work closely in small groups in class, in the lab and in the field. Whether on NSF-funded research with faculty members or through our many undergraduate research programs, Willamette students engage in scholarly work typically reserved for graduate students at larger universities. This fosters a lively, supportive community and builds relationships that endure for a lifetime.
We celebrate the successes of our students and alumni as they pursue careers in academia, applied sciences, medicine, teaching, art and diverse fields around the world.


text:
The Drinkwell Original Pet Fountain is proven to benefit your pet's health. The Drinkwell Original Pet Fountain is great for dogs, cats, and other pets and will show your pets just how much you care. Research shows that one of the best ways to improve your pet's health is to get them to drink more water and the best way to do that is with the Drinkwell Original Pet Fountain. By using a 5-inch falling stream of water, the Pet Fountain continually aerates your pet's water with healthful oxygen. A charcoal filter also removes bad tastes and odors, giving your pet the best possible - and most appealing - way to stay hydrated!
Additional Capacity Reservoirs can be purchased separately to expand the water capacity of your Drinkwell Original Pet Fountain to either 50 or 70 ounces for your pet to enjoy!
Buy Now and Save Today on the Drinkwell Original Pet Fountain with PetStreetMall!
PetStreetMall has Low Prices on Pet Supplies and Free Shipping on orders over $50.


text:
It's become well-established that the purpose — or, at least, one of the primary purposes — of the "exact duplicate" close reason is to minimize dispersion of information/duplication of effort while keeping information easy to find with a wide variety of search terms.
Don't just take my word for it; Jeff said so (and he did it more eloquently than I did).
I used to be a pretty gung-ho editor, because poor-quality writing looks unprofessional, and I thought that that would harm the site in the long run. After all, what sort of experts want to hang around a place where people can't even figure out how to capitalize or use commas correctly?
I'm not so sure that's the right way to go anymore. Fixing incorrect or alternate spellings, and perhaps bad grammar, may make it harder for people to find the questions they're looking for using the sites' built-in search or the "Ask Question" page's title auto-search thingadongdong. Should we leave some or all "poor-quality" closed questions the way they are, to make search a little better?
Some points made in chat about this:
- this could be resolved by making search use all of revision history, not just current posts, possibly weighting the results to favor current posts
- this may be a non-issue for most people, who access the site via Google
- it may be helpful to have better spellchecking built into the SE engine


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Denver Public Library "Gigantic" Book Sale through June 9
Gather up your tote bags and clear some space on your shelves… the 2013 Denver Public Library "Gigantic" Used Book Sale is on!
The sale, which takes over a small tent city on the grounds of the Central Library Branch at 14th and Broadway features over 70,000 great deals on books, CDs, DVDs, audio books and more.
Fiction, nonfiction, young adult, cookbooks, kids' books, art books — you name it. New books are constantly being added to the selection, so serious book collectors will come every day of the sale.
Book prices range from 50 cents for mass-market paperbacks to $3 for hardcover editions. Audiobooks are $5. DVDs are $2, CDs are $1.
There's also a tent full of slightly more expensive vintage books (some great finds for under $10), oversized books and art books. (Click here for a full price list.)
Thursday, June 6: 10 a.m. – 7 p.m.
Friday, June 7: 10 a.m. – 4 p.m.
Saturday, June 8: 10 a.m. – 4 p.m.
Sunday, June 9: 10 a.m. – 1 p.m.
All proceeds from the sale go to the Friends Foundation, which helps support the library and all of the special programming the organization does in Denver's community.
Learn more about the Friends Foundation here.
Come Sunday, whatever's not sold will be given away free to teachers and non profits with ID, from 2-3 p.m.


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How to Find a Product to Sell Online
Looking to start an online store but not sure what to sell? This guide gives you an easy-to-follow framework for finding, evaluating and validating product ideas that you can build a profitable online business around.Start reading
14 chapter
1. Introduction1 min
Starting an online business? finding, evaluating and selecting a product to sell online is no easy take. This guide will break down the process step by step to help you find the perfect product.
2. The 8 Product Opportunity Types6 min
Understanding the 8 product opportunity types is critical to finding the perfect product to sell online. In this chapter, we break down each of the 8.
3. Where to Look for Product Ideas9 min
In this chapter, we'll show you the ten best places to looking for and discover the best product ideas for your new online business.
4. Trending Product Ideas6 min
We used our list of the best places to look for product ideas to uncover 10 products that are currently trending on Google Trends.
5. Selecting a Product & Niche5 min
Armed with product ideas, it's time to decide which one you want to further evaluate. In this chapter, you'll learn how to choose a product and zero in on a great niche.
6. Evaluating Your Product & Niche15 min
In this chapter, you'll learn the 17 point product evaluation criteria you need to go through to make sure your product is a great choice.
7. Evaluating Market Demand4 min
Not only do you need to evaluate product viability, but you also need to understand market demand. In this chapter you'll learn how to better understand market demand for your potential product idea.
8. Evaluating Potential Competition4 min
After choosing a product and evaluating product viability and market demand, the next step is to understand the competition. In this chapter, you'll learn exactly how to research your potential competition.
9. Validating Your Product & Niche4 min
Research is great but before you spend too much time and money starting your business, it's always a good idea to test it in a real world scenario first. In this chapter, we'll show you several ways to validate your business concept before sinking a lot of time and money into it.
10. Make, Manufacture, Wholesale or Dropship10 min
There are four common ways to acquire your product. Make, manufacturer wholesale or dropship. In this chapter, we'll explore each option in more detail.
11. Locating a Supplier9 min
With all your evaluations complete, it's now time to source the supplier for your product. In this chapter, you'll learn where to look for them and how to negotiate with them.
12. Final Thoughts1 min
You've made it. You came up with a bunch of ideas, narrowed it down, chose one, evaluated it and found a supplier. Congratulations!
13. Advice From Ecommerce Experts4 min
14. About the Author1 min
About Richard Lazazzera, Author of What To Sell Online: The Definitive Guide
Join 446,005 entrepreneurs who already have a head start.
Get free online marketing tips and resources delivered directly to your inbox.


text:
by Herm Rogul
Dustin Wilson, a 5'5", 115 pound Chestnut Hill Academy junior from Society Hill, won his second Inter-Ac cross country title in an easy 16:36 over the 3.1 mile CHA course. He won by 23 seconds.
"I ran to the chute," he said, "took my card, asked coach (Paul) Hines for my time, then watched the other runners come in. If I run for time, I break away early. I just wanted to win and score points for our team. Downhill, I made a move that no one responded to.
"Cross country is more of a challenge and it's more natural than track. I'm not the fastest runner, but I can get into a rhythm and run distances well."
Wilson also is a cross-city runner. Friends have told Hines they have seen Wilson running various places.
"I have run around Rittenhouse Square," Dustin said, "along the Schuylkill, Belmont Plateau, Valley Green and to a lesser extent, Mt. Airy. I have never gotten 100 percent lost. I always get home."
As a sophomore, Wilson swept the Inter-Ac 800, 1,600 and 3,200. He also finished fourth in the 25-lap, 5,000 meters in the Nike indoor championships in Boston.
Coach Hines, former Cardinal Dougherty and Temple star said, "Dustin's dedication and hard work make him a winner. He is fun to be around, a pleasure to coach. Kids like him throughout the school"
"I have a sense of humor that people appreciate," Dustin said. "I'm fairly certain most people would recognize me at CHA and Springside."
Senior Mike Fuery, CHA second harrier" Dustin is a nice guy and a good teammate. He has a serious personality, but he also has a sense of humor. Kids like him a lot."
Junior Johnny Hass, CHA's No. 3: "Dustin is a class act, always there with helpful advice. He helps me with world history."
Wilson's favorite teachers are Iain Pollack, eighth grade English, and Mrs. Anne Rock, 12th grade English.
"I had never been a great English student," Dustin said. "They both stressed literature and thinking. Their classes were enlightening."
Wilson has had summer internships with Monell Chemical Center, collecting data in smell and taste research.
He lives with his mother, Pamela Harper, and grandparents Leroy and Doris Harper.
"They have a lot of faith in me," Dustin said, "and that always is great. They give me good advice. They came to the Penn Relays and watched me run 11th in the 3K. I hope we can qualify for the Distance Medley Relay. I would run anchor."
Mike Fuery, a 6'2," 140 pound senior from Upper Dublin, was No. 2 man on the Chestnut Hill Academy cross country team, but he is the No. 1 French horn in the upper school orchestra.
"It's a pretty difficult instrument to learn," Mike said. "In fourth grade, French horn seemed unusual. Not many people play it. I'm the only French horn in our orchestra. It's difficult to carry. A nice bus driver let me put my French horn behind his seat."
Fuery was second to CHA junior Dustin Wilson every Inter-Ac meet, but placed fifth in the championship race after a two-week sinus problem.
"It's beneficial running with Dustin," Mike said. "He goes fast. We were running together against Haverford School at Haverford College. We took the wrong turn and got lost, but we finished 1-2, as usual.
"I have run a 4:34 mile. I want to run 4:20."
To prepare for cross country, Fuery ran 600 miles this summer, but no longer than 10 miles at a time.
Coach Hines, a former Cardinal Dougherty and Temple star said, "Mike was unbeaten in the league, except for Dustin. He is a very hard worker. He grew from 3-4 to 6-2 since ninth grade and his knees used to hurt. He plays the French horn."
Junior Dustin Wilson: "Mike has run with me since he was in seventh grade and I was in sixth. He is more of a track runner. He's a nice guy. We're good friends. He is not flamboyant. Mike is direct and to the point."
Fuery is in the honors group at CHA. He will study history or science in college. He definitely will run. French horn? Perhaps.
"We have small classes here," Mike said. "The teachers give us close attention. My favorite teacher is Mr. (Stan) Parker, history and government. He is very charismatic. Sometimes he is serious and sometimes he makes it fun."
Fuery appreciates parents Hope and Jack sacrificing on his behalf. Sister Kristen is a freshman shooting guard at the College of the Holy Cross.
"I love her and I miss her," Mike said. "She had to be good to earn a Patriot League basketball scholarship. If I keep growing, to 6-4 maybe, I will play basketball again."
Johnny Hass, a 5'11," 140 pound junior from Chestnut Hill, was third man of 27 on Chestnut Hill Academy's cross country varsity.
He lives life cross country.
After two summers working as a barista in a Reading Terminal spot owned by pal Reuben Treatman's family, Hass has spent two summers with the Wilderness Ventures service and leadership program.
"First year," he said, "was on a Native Americans' reservation in Arizona. I made friends and put smiles on people's faces. I helped build shelters, worked on crops and helped put in an irrigation system. Second summer, I was a leader in Colorado. We did rafting and other exciting activities."
Hass currently is singing and dancing as McGregor, a Scottish butcher, in "Brigadoon."
Father Jay Hass runs with Johnny as he prepares for the Death Valley (CA) Marathon in December. Dad, a former soccer player at Groton, keeps up.
Johnny played midfield in soccer until 2009 CHA cross country captain Ben Morse (now at Texas) said he had a talent for running and he would enjoy the happy harriers.
Hass played shortstop in JV baseball last spring and hit over .300. Many people have suggested he has a future in golf. He won a scramble tournament with cousin Tricia Malle and two others.
Johnny and Inter-Ac x-c champ Dustin Wilson were student guides for prospective CHA students and their parents.
"We talked about our outstanding music, robotics and sports," Johnny said, "and introduced them to teachers. My favorite teacher is Mr. (Wes) Winant, Latin. He was my adviser. He looks out for your general welfare."
On the CHA x-c team, Hass finished 1-1/2 minutes behind Mike Furey, 2-1/2 minutes behind Wilson and ahead of 24 teammates in one race.
Coach Paul Hines, a former Cardinal Dougherty and Temple star said, "This is Johnny's second year of running, after playing soccer. Hopefully, he will move up next year."
Wilson: "Johnny came to us from soccer. He gave an inspiring effort. He is more excitable than Furey and I am."
Furey: "Johnny is a good teammate. He brings a lighter personality to our team. He is pretty funny."
Hass said his mother, Eileen, always supports his decisions and she cheers for him at meets.
"My brother Robert attends CHA middle school," Johnny said. "He loves to make movies and I have appeared in some. We have built roller coasters. We make each other laugh."


text:
Moya Brennan
Moya Brennan's Forum
Moderator: All Moderators
skippy wrote:Hmmmm Alt key and 0225...
YAY! Thankyou! Maybe the real version isn't so tough after all!
Endymion wrote:I voted Moya,because it sounds very Irish and Celtic.
Roibeard Óg wrote:Endymion wrote:I voted Moya,because it sounds very Irish and Celtic.
They sound exactly the same And the spelling of 'Máire' is the actual Irish spelling. They are exactly the same apart from the spelling - I find the spelling of 'Máire' more traditional though, and think it stood out on the album covers more than 'Moya', although I love that speeling too! But from me, it's a big 'MÁIRE'.
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text:
Convert geodetic latitude and longitude to direction cosine matrix
Utilities/Axes Transformations
The Direction Cosine Matrix ECEF to NED block converts geodetic latitude and longitude into a 3-by-3 direction cosine matrix (DCM). The DCM matrix performs the coordinate transformation of a vector in Earth-centered Earth-fixed (ECEF) axes (ox0, oy0, oz0) into a vector in north-east-down (NED) axes (ox2, oy2, oz2). The order of the axis rotations required to bring this about is:
A rotation about oz0 through the longitude (ι) to axes (ox1, oy1, oz1)
A rotation about oy1 through the geodetic latitude (μ) to axes (ox2, oy2, oz2)
Combining the two axis transformation matrices defines the following DCM.
|Dimension Type
|2-by-1 vector
|Contains the geodetic latitude and longitude, in degrees. Latitude and longitude values can be any value. However, latitude values of +90 and -90 may return unexpected values because of singularity at the poles.
|Dimension Type
|3-by-3 direction cosine matrix
|Transforms ECEF vectors to NED vectors.
The implementation of the ECEF coordinate system assumes that the origin is at the center of the planet, the x-axis intersects the Greenwich meridian and the equator, the z-axis is the mean spin axis of the planet, positive to the north, and the y-axis completes the right-hand system.
Stevens, B. L., and F. L. Lewis, Aircraft Control and Simulation, John Wiley & Sons, New York, 1992.
Zipfel, P. H., Modeling and Simulation of Aerospace Vehicle Dynamics, AIAA Education Series, Reston, Virginia, 2000.
"Atmospheric and Space Flight Vehicle Coordinate Systems," ANSI/AIAA R-004-1992.
Direction Cosine Matrix ECEF to NED to Latitude and Longitude
Direction Cosine Matrix to Rotation Angles
Direction Cosine Matrix to Wind Angles
Rotation Angles to Direction Cosine Matrix


text:
Report: Visitors to Linux World Frankfurt Give KDE A Thumbs Up
Continuing the successful run of trade show presences, the KDE team used
The KDE usability study got a lot of attention. To show the marvelous ease of
Many people asked about Kontact, and were
During the fair, KDE's Tobias König and the eGroupware folks finished a
People were also amazed by the brand new KDevelop 3.0, dubbed Gideon, which will
People were also surprised when Eva Brucherseifer showed the ease of platform
ArkLinux, a distribution devoted to
Personal discussions at the fair proved that KDE is running successfully in
Thanks go to HP for sponsoring hardware, basysKom for even more
Always great to see KDE get more positive PR. Hopefully KDE @ Comdex will be a hit too!
By anon at Thu, 2003/11/13 - 6:00am
Kontact's website hasn't been updated for a while. Shoudn't take long - just some up to date news on its status and some more screenshots and functionality descriptions.
By David at Thu, 2003/11/13 - 6:00am
Re: Kontact
Looks like kontact.kde.org is looking for a maintainer to take over the task.
By anon at Fri, 2003/11/14 - 6:00am
Why didn't I see anything about ArkLinux before???
I'm a bit puzzled that I never before heard anything about arklinux...
Does anyone know which version of KDE they use? is it the latest?
By David E at Fri, 2003/11/14 - 6:00am
Re: Why didn't I see anything about ArkLinux before???
By Daniel Molkentin at Fri, 2003/11/14 - 6:00am
Re: Why didn't I see anything about ArkLinux befor
ArkLinux is in my opinion one of the most promising distributions. They have a quiet demeanor and seem to be working silently towards a very, very polished distribution.
I think they deserve more of the support of the KDE community as they are one of the few completely GPL distributions that is 100% behind KDE.
The installation takes 20 minutes. I encourage anyone to give it a shot.
By Gonzalo at Sun, 2003/11/16 - 6:00am
Ark looks interesting
A community driven, user friendly distro with KDE has been missing IMO.
By frappa at Fri, 2003/11/14 - 6:00am
Re: Ark looks interesting
If you are interested in a great community driven distro, look no further than Gentoo (www.gentoo.org) To see a sampling of the amazing super-vibrant community, check forums.gentoo.org. KDE is favored by many Gentoo users and some of the KDE dev team use and love Gentoo. I compile KDE CVS a couple times a week and use the build scripts (called ebuilds) provided by KDE developer and Gentoo ethusiast Caleb Tennis.
By Imrahil at Fri, 2003/11/14 - 6:00am
Re: Ark looks interesting
I use Gentoo and it seems that enough of our developers do that you can easily get Gentoo questions fielded on our list. I'm also surprised at times to find that seeming n00bs are asking questions about their Gentoo install. Gentoo is not focused on KDE or GNOME but instead offers these and other packages as the developers intended them. Also because you compile it for your system, set the compiler optimizations and only include what you need in the kernel it's amazingly fast. You should have broadband to use it though. As an extra benefit you can forget the CD upgrade merry go round.
By Eric Laffoon at Fri, 2003/11/14 - 6:00am
Re: Ark looks interesting
Also gentoo makes getting and compiling a copy of kde-cvs (or betas) as easy as getting kde 3.1.x, because it's a source based distro. No waiting for someone to update binary packages of kde-cvs for your distro because you can't build cvs properly. No wonder that as of late, a lot of bug reporters who use CVS/3.2b1 on bugs.kde.org are gentoo users.
By anon at Fri, 2003/11/14 - 6:00am
Re: Ark looks interesting
Erm, ever heard of two community based distros called Debian and Gentoo that offer great KDE support (including have KDE developers as the packagers)
Both are great, I currently favor Gentoo because of it's great forums, but I used Debian for a number of (3) years.
By fault at Fri, 2003/11/14 - 6:00am
Re: Ark looks interesting
Yes, but I meant user friendly in a point, click and drool sense. Most people want this and Debian and Gentoo doesn't fit that description.
By frappa at Sat, 2003/11/15 - 6:00am


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Selective Cloner is plugin for Movable Type that enables administrators to clone (copy) existing blogs. Unlike the blog cloning tool that comes with MT, Selective Cloner only clones Blog Settings, Permissions, and Templates. This plugin enables you to quickly create new blog with all of the same settings and templates as an existing blog -- in seconds you can have a new blog up and running, with the same look and feel. This is handy for blog networks or organizations who have more than one blog with the same templates.
Upload the contents of the 'plugins' directory to the 'plugins' directory of your MT install.
Go to "Manage Blogs" at the system level, click the checkbox beside the blog you want to clone, and choose "Clone Blog (Perms,Settings,Templates)".
License: GPL
Download Selective Cloner