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Flexible Spending Accounts
Flexible Spending Account (FSA) Sourcebook 2019-20
Flexible Spending Account (FSA) Sourcebook 2018-19
What is it?
Flexible Spending Accounts (FSA) are an IRS approved, employer sponsored benefit that allows you to pay for eligible medical and/or dependent care expenses on a pre-tax basis. You authorize per pay period deposits to your FSA from your salary before taxes. As you incur eligible expenses, you request tax-free withdrawals from your accounts to reimburse yourself. There are two kinds of FSAs:
- Medical expense FSA
- Dependent care FSA
For a list of eligible expenses, please go to PayFlex.com
Why do I need it? TO SAVE MONEY! An FSA saves you money by reducing your taxable income. Your contribution to
your FSA is deducted from your salary on a pre-tax basis. Over a year's time, you will most
likely spend some of your salary on medical or dependent care expenses. You can save money
on taxes by contributing that amount directly into your Flexible Spending Account.
Unless your itemized medical expenses exceed 7.5% of your adjusted gross income, you cannot claim them on your IRS Form 1040. But you can save taxes by paying for your out-of-pocket medical expenses not covered by your health benefits plan through a tax-free Medical Expense FSA.
What is it at Mason?
Medical Spending Accounts may be used to pay for expenses that are not covered under your medical, dental, vision and prescription plans. Items such as co-payments, deductibles, some over-the-counter medications that you would otherwise pay for out of your pocket with after-tax dollars can be paid for with your medical reimbursement account. This will not only save you money, but will give you access to your entire reimbursement account on the first day of the fiscal year. The maximum annual amount which may be put in a medical reimbursement account is $2,700. You will receive an Elite Visa Benefit Card, which may be used to pay for eligible health expenses. Please note that you may be asked to provide supporting documentation even when you use your Elite Visa Benefit Card.
The maximum deduction per pay period for 12-month employees is $112 and $150 for 9-month faculty.
NOTE: For COVA HealthAware participants, please remember that your Health Reimbursement Arrangement (HRA) pays first and then your FSA.
Dependent Care Spending Accounts may be used to reimburse yourself for expenses incurred in the care of your child (age 12 years or under), disabled spouse, elderly parent, or other dependents who are physically and/or mentally incapable of self-care so that you (and your spouse) can work or actively seek work. The maximum annual amounts which may be put in a dependent care flexible reimbursement account are:
- $2,500 for an employee who is married and is filing a separate tax return.
- $5,000 for an employee who is married and is filing a joint return or who is single with dependents.
The maximum deduction per pay period for 12-month employees is $208 and $277 for 9-month faculty.
For both medical and dependent care spending accounts:
- The minimum payroll deduction is $10 per pay period.
- A monthly administrative fee of $2.10 ($2.80 for 9-month faculty) will be deducted from your salary on a pre-tax basis for one or both accounts (Medical and/or Dependent Care). Whether you have one account or both, the fee will be $2.10 (or $2.80) per month.
- Enrollment is not automatic and is only for the current plan year. If you wish to participate next plan year, you must re-enroll during the annual open enrollment period.
- Employees may enroll within 30 days of their hire date or within 60 days of a life event change.
- "Use It or Lose It" Rule - Any money contributed to these accounts during the plan year must be used during the plan year -- any balances remaining are forfeited. Employees may file reimbursement claims until 90 days after the end of the plan year.
How to submit a claim?
You may file a claim to request reimbursement of your eligible expenses by completing a claim form and submitting it along with supporting documentation to PayFlex. The easiest way to do this is to log into your account on the PayFlex website. You may also submit a claim by filling out the claim form found on our Forms Page. Please contact PayFlex at 855-516-8595 for assistance.
Note: for eligible expenses incurred during the 2018-19 plan year, please submit the claims to Anthem. Claim forms are found on our Forms Page For assistance, please call Anthem FSA at 877-451-7244.
For Separating Faculty and Staff
You may be reimbursed for eligible FSA expenses incurred through the end of the month in which you separate. You have a three-month run-out period from the end of your coverage period (end of the month in which you separate) to apply for reimbursement.
Insurance is a way to mitigate some of the risks faced in every day life and helps provide financial security and protection for you and your family. Benefitted employees (50% appointment time or greater) have access to a range of insurance products including:
Leave permits faculty and staff to take approved time off from their positions. It includes annual leave, sick leave, family & personal leave (VSDP participants only) and holidays, as well as a range of other topics such as the Family & Medical Leave Act (FMLA), military issues, Short and long term disability, and leave without pay.
A negative leave balance will stop any additional leave accrual and payment back to the University will be required before any changes in employment status. Leave can recommence once payment is received.
For more information on leave topics, move your mouse over the "Topics" list above and select the topic you would like to know more about from the drop-down menu.
Optional Plans
Optional plans are available to salaried employees and include savings bonds and the Virginia Education Savings Trust (VEST). VEST and the Virginia Prepaid Education Program (VPEP), offer families the opportunity to participate in an IRC Section 529 qualified state tuition program with both prepaid and savings trust investment options to cover future costs of college fees and tuition.
Retirement Planning Resources:
DiscoverThe Retirement Connection
VisitThe Financial Well-Being Portal
Workers' Compensation
Workers' Compensation
Workers' Compensation is a special kind of medical insurance. If you suffer a work-related injury or illness, your employer (the Commonwealth of Virginia) must pay for both the medical expenses and, if appropriate, a percentage of lost wages in all compensable claims.
Responsibilities of the Employee:
- Select a treatment provider from the list of Panel Physicians
- Adhere to your physician's instructions and treatment plans
- Comply with the established policies & procedures
- Keep all parties informed of your status
Unlike normal illnesses/injuries that are treated on a client- physician basis, Workers' Compensation closely involves the University, the your supervisor, and the insurance carrier. The following paragraphs provide policies and procedures for your information.
Select a Panel Physician
Employees must select a Panel Physician(s) or medical facility provided by the Workers' Compensation Office for treatment unless there is an emergency situation or prior release has been obtained. Employees must comply with all treatment protocols and appointments as prescribed. In the event the individual is not satisfied with the care, notify the Workers' Compensation Specialist and request a change in the physician or facility.
The Panel Physician Selection form should be signed and returned to the Workers' Compensation Specialist.
Use of Sick Leave
In order to maintain consistency with the original leave accrual system and the Virginia Sickness and Disability Program (VSDP), all employees will be required to use sick leave for the first seven (7) calendar days to cover time off for a claim of work related injury or illness. In cases when an employee is out of work for more than 7 calendar days on a compensable claim, the use of WT (worker's compensation leave) will commence on day 8. All use of the WT code must be authorized by the Workers' Compensation Specialist. *All* time off for a work related injury must be established in writing by the treating health provider. The written release must denote a specific time period along with the physician's signature and must be presented to the Workers' Compensation Specialist. The treating physician must also verify the return to work status in writing to the Workers' Compensation Office prior to reinstatement. Any time missed from work that has not been prescribed by your physician will be charged to annual leave, sick leave, or Leave Without Pay (LWOP) as appropriate.
VSDP Participants Notify Reed Group
VSDP participants must also notify Reed Group at 1-877-928-7021 if the injury results in a physician releasing them from work.
Continuation of Salary
If the claim is accepted as a workers' compensation claim, the employee will be paid 66 2/3% of his/her average weekly wage. This benefit is non-taxable. A VSDP participant may be eligible to receive more than the 66 2/3% depending on his/her length of service. Continuation of salary at 100%, while a compensability decision is being made, is contingent on the amount of available sick leave balance (accrual system) and the establishment of a Short-Term Disability Status (STDS) by Reed Group.
Where should bills, doctor's notes, disability slips, etc be sent?
Any bills, doctor's notes, disability slips, and other documents received by the employee must be forwarded to the Workers' Compensation Specialist, Human Resources, 4400 University Drive, MSN 3C3, Fairfax, VA 22030-4444. During your appointment(s), please impress upon the physician's staff the importance of having accurate coding and written information on statements sent to MC Innovation (MCI) for payment. All medical provider's invoices must be complete with appropriate medical notes and insurance codes and should reference your claim number and date of injury. Invoices may be sent directly to MC Innovations, Inc., PO Box 1140, Richmond, VA 23218, phone (804) 649-2288. Any invoices received by Workers' Compensation will be forwarded to MCI on your behalf for payment.
Temporary Total Short-Term Disability
If entitled to Temporary Total Short-Term Disability (TTD) payments under Workers' Compensation, the funds will be paid to you through payroll during regular payroll runs once the University receives payment from MCI. Workers' Compensation payments for lost wages are not subject to federal income tax.
Wage employees are not paid through the University for time off due to injuries. Should the work related temporary total disability exceed seven days, the percentage of lost time wages will be forwarded directly to the employee from MCI. All employees (faculty, classified and wages) must provide written notification to the Workers' Compensation Office of a physician medically releasing them from work and prior to their reinstatement.
What if the injury/illness recurs?
If the injury/illness recurs after your physician has certified you as recovered, please notify the Workers' Compensation Office immediately. Do not simply return to the attending physician and assume that the treatment will automatically be covered by the worker's compensation insurance.
Some injuries and illnesses are not compensable
In some cases, the insurance carrier may determine that the injury/illness is not compensable. For personnel covered under one of the State's medical insurance plans the State Workers' Compensation Program may pay for the initial visit, provided the Assignment of Benefits form is returned within thirty days of receipt of the denial letter. This form allows MCI to reimburse carriers and medical providers at the allowable rate. It is the employee's responsibility to complete and file the Application for Benefits form with MCI.
Family Medical Leave Act
In accordance with GMU policy, leave is also covered under the Family Medical Leave Act (FMLA) and runs concurrent with all time out due to the injury and/or illness.
Americans With Disabilities Act
Compensability is not a determinate factor for an employee to be considered protected under the Americans With Disabilities Act (ADA). If you feel that your injury/illness qualifies you for accommodation, please call, Ruth Townsend, Associate Director/ADA Coordinator 703.993.8730 to discuss your concerns.
The Virginia Workers Compensation Commission
Please read carefully the information provided by the The Virginia Workers' Compensation Commission. The Application for Benefits is entirely employee driven and in a compensable claim continues the applicable benefits beyond the statute of limitations. In the event you feel that you have not been treated fairly regarding your claim for a work-related injury/illness or for the compensation for lost time and wages, you may appeal the matter to the Virginia Workers' Compensation Commission. The Commission will conduct a hearing and issue a binding decision. The appeal process is outlined in the booklet and on the reverse side of the blue Application for Benefits. If you have any questions regarding the Commission's form, contact the Workers' Compensation Specialist.
Benefits FAQs (Frequently Asked Questions)
Some questions often asked by Mason faculty and staff are listed below with answer links. Just scroll through the topics and click on the link to find the information you need.
Not able to find the answer to your question? We are here to help, so please contact Human Resources & Payroll at 703.993.2600, Monday - Friday, 8:30 - 5:00, or email your question to email@example.com, or visit our website at hr.gmu.edu.
I recently started contributing to the 403(b) account and elected TIAA. How do I set up my TIAA account and elect my investment funds?
How do I contact my retirement vendor?
I recently started contributing to the 403(b) account and elected Fidelity. How do I set up my Fidelity account and elect my investment funds?
How do I know what I am contributing to my 403b or 457?
How do I increase/decrease/stop my contributions to my 457 plan?
Can I increase what I am putting toward my ORP retirement account?
Can I increase what I am putting toward my VRS retirement account?
How do I increase/decrease/stop my contribution to my 403b?
Why is my 403(b) account not being matched by the employer even though I am making my voluntary contributions to my hybrid plan?
Health & Flex
I just enrolled in the health insurance plan. Where can I find more information about my coverage?
I have a qualifying mid-year event. What are the steps I should take to add or remove my family member?
What documentation do I need to provide when adding a family member to my health insurance?
Why don't I receive additional health insurance cards for my dependents?
How do I access my Flexible Spending Account?
What expenses are covered under the Medical Flexible Spending Account and which expenses are ineligible?
How do I add my newborn to my health insurance plan?
You have 60 days from the date of birth to add your newborn under the Qualifying Mid-year event rules. You must complete a new State Health Benefit Enrollment form and provide proof of birth. We will accept either a birth certificate or the birth letter that the hospital gives you as proof of birth. If you submit both the enrollment form and proof of birth within 60 days of the birth, we will go back to the 1st of the month during which the baby was born to start coverage. For instance, if the baby was born on July 20 and you submit the required documentation on August 31, we will begin coverage on July 1 for the newborn.
What is the age my child will no longer be eligible for coverage under my health insurance through GMU?
How many hours do I need to work at Mason to be eligible for shared health insurance benefits?
I am turning 65 but am still working. Do I need to enroll in Medicare even though I have health coverage with Mason?
Am I able to purchase a dental or vision plan without participating in a health care plan at Mason?
Am I able to enroll my spouse/children in a different health care plan than the one I have?
Life Insurance
How do I know what kind of life insurance coverage I have?
Can I purchase additional life insurance coverage?
How do I know who I listed as a beneficiary for my life insurance?
Leaving Mason
What is going to happen to my health insurance when I separate?
I am leaving Mason and have questions about my benefits.
I'm a former employee who needs a financial document signed to allow a transfer.
It's tax time! How do I get my Form W-2?
Worker's Compensation
How do I file a Workers' Compensation Claim?


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These Leaves Foamies come 36 leaves to a package. Included in this package are, 18 glitter leaves, and 18 plain leaves. Leaves Foamies are great for fun group activites such as Halloween parties or classroom events.
We also carry a complete line of Beads, Birdhouse Kits, Christmas Crafts, Craft Supplies, Kids Crafts, Misc Crafts, Wood Craft Kits, and much more.

subset: commoncrawl


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Landscaping work, 1932
Landscaping work, 1932
Prints and Photographs Division, Library of Congress
A Gateway to the Capitol
When it opened in 1908, Union Station quickly became the primary entry to Washington. The terminal was among the first and finest achievements of the Senate Park Commission (also called the "McMillan Commission"), a board of design professionals determined to beautify Washington. The station itself was grand. Outside, however, a motley assortment of residences, hotels, boardinghouses, and taverns greeted visitors.
City planners and congressional leaders considered the area between Union Station and the Capitol undignified. They proposed clearing it to create a park. The project took $10 million and 30 years to complete (1910-1940). It required buying 18 city squares and demolishing hundreds of buildings. The new park was so successful that some wished to see the proposed Lincoln Memorial built there instead of its eventual site on the Mall.


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Wednesday, September 1, 2010
OOPs! Castillo Again!
Instead of sweeping we're weeping!
Sit Castillo. I've had enough. Send Tejada back out there.
Tell That OLLIE to go home. Even if we're losing by 15, he's not ever going to pitch.
Meet The Mess!
4 comments:
Joe, hate to tell you, but Castillo has a better fielding percentage than Tejada. So did Cora. And, Tejada makes them both look like Ted Williams at the plate.ReplyDelete
Also, Niese blew last night's game, not Castillo. It's easy to blame Luis. But, the fact is that Niese fell apart.
Sorry but Luis opened the door. Niese is a kid though he didn't pitch well, he didn't need a head start.ReplyDelete
And as for Tejada...I'd rather see a kid grow than watch an over paid and under producing "veteran" waste our time.
I just agree to disagree. LOL
- AnonymousSeptember 1, 2010 at 11:43 AM
Fielding Percentage is a garbage stat, much like batting average is becoming one.ReplyDelete
Tejada and Havens have much better range than Crapstillo at second. If Havens wasn't injured, he would be starting every day.
FRANCOEUR SUCKED COPIOUS AMOUNTS OF ASS. SO HAPPY HE IS GONE, GOOD RIDDANCE. GO SMILE IT UP ON TEXAS' BENCH. It's DUDA time!
a picture's worth a thousand words.ReplyDelete
keep telling the truth, joe.
btw, remember the honeymoon period with jerry?
what a delicious breath of fresh air he was after willie's tight lipped inability to deal with ny media? how long is a ny grace period?
not long at all...basically a ny minute!
put up or shut up is the mentality that rules here before the deathwatch kicks in.
will a new firebrand manager kick butt and produce? don't bet on it with this crew...
change the crew to get to shore, fellas.


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*** fixed Samsung Galaxy S2 crashes ***
MiniSquadron Special Edition is the sequel to the award winning MiniSquadron - a frantic shooter involving lots of little planes all vying for supremacy of the skies! Following on from the success of MiniSquadron, this version provides
- 8 brand new levels, beautifully drawn and each accompanied with a track by more Dead Composers,
- Helicopters which hover - providing new gameplay opportunities,
- Over 50 more planes to unlock,
- A new weapon - Fireballs!
- More animals to shoot down - including Jellyfish, Vampires and Hamsters!
- Openfeint Achievements!
Along with the already acclaimed control system - you can once more perform loop-the-loops, Immelmann turns and other daring feats of aerial shenanigans! Experience the joy of freedom in the air!
- Intuitive touch controls.
- Stunning graphics and art.
- Over 50 planes to unlock and collect.
- 8 Levels of intense combat.
- 7 different types of weapon to use including BIG Laser!
- Jellyfish, Vampires, Hamsters and Penguins!
- Fluid gameplay systems based on physics
- More than 8 different pick-ups.
- Addictive Multiplier System for advanced players.
- 1 VERSUS 1 Local WiFi Multiplayer.
- Rock out to the genius of Mozart, Beethoven, Tchaichovsky and other dead composers.
- support for Zeemote Bluetooth controllers.
Explanation of permissions:
ACCESS_NETWORK_STATE - for multiplayer
ACCESS_WIFI_STATE - for multiplayer
CHANGE_WIFI_MULTICAST_STATE - for multiplayer
WAKE_LOCK - to stop the screen dimming/switching off while playing
INTERNET - for multiplayer and brwoser links to support, and android market.
WRITE_EXTERNAL_STORAGE - save games are backed up to the SD card
BLUETOOTH - for Zeemote bluetooth controllers.
BLUETOOTH_ADMIN - to enable bluetooth for Zeemote bluetooth controllers.
CHECK_LICENSE - Android Market copy protection
Download cracked APK of MiniSquadron Special Edition ( com.grayfinstudios.android.minisquadronse )
|Version 1.13


text:
GetProductKeys team proudly present to you the new and updated Schema WordPress Theme.This is probably the most important theme for all WordPress users around the world.Our team group has completed the job for the brand new Schema WordPress Theme. This theme is really awesome and you can download it for totally free if you don't want to spend your money on the template.
Have you ever wanted to install paid WordPress themes for totally free, or maybe to test full theme before buying it? Like you want to check all features from the template to see whether you like it, prior to spending cash on activation key. We have a solution for your problem, there are a lot of theme stores now, and every single month, new stores are starting...Read more


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Style# 1W3473
Classic Fit End On End Stretch Murray Shirt
Features & Fit
Endless style! With its classic end-on-end weave, this men's classic-fit sport shirt has a visual appeal that goes on forever.
· 98% cotton, 2% spandex
· Classic fit
· Casual button-down perfect for work days or night
· One-button barrel cuffs and sleeve plackets with signature vineyard vines buttons let you style it any way you want
· There's a whale on the bottom placket
· Imported
Care Instructions:
· Machine wash cold
· Tumble dry
· Warm iron
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How it Fits: Classic Fit Shirts
With a roomier, more comfortable fit through the sleeves and body, this classic-fitting shirt is the perfect length to wear tucked in.
See how it will fit on you
Fit Guide: Classic Fit Shirts


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Future funding secured for Lower Waikato
Environment Waikato has secured $2.5 million towards the ongoing maintenance of river channel works in the Lower Waikato River, ending a series of negotiations with the Crown.
Environment Waikato has secured $2.5 million towards the ongoing maintenance of river channel works in the Lower Waikato River, ending a series of negotiations with the Crown.
Environment Waikato's appeal to the High Court on powers of entry has been dismissed – but the Council is pleased that the decision clarifies a number of contentious issues.
Waikato farmers are already recognising the value of good environmental performance, according to Environment Waikato.
Landowners don't have long to clear pampas from their properties before a July 1 deadline.
Environment Waikato is currently undertaking repairs to one of its pumps in a pump station on the Waihou Valley Flood Scheme, after cracks were found in the pump casing.
Environment Waikato wants to know if rural landowners want to toughen up the rules on clearing ragwort and nodding thistle from northern Taupo and southern Rotorua Districts.
A total of 116 Waikato farmers are taking part in Environment Waikato's Clean Streams project in its first year.
Environment Waikato and Franklin District Council have granted resource consents to continue to operate and expand the Ridge Road Quarries at Whangarata, near Pokeno.
Consents to construct a hydro electric power station on the upper Waipa River have been approved by Environment Waikato and Waitomo District Council.
Levels of blue green algae have begun receding in several Waikato waterways, but health warnings continue on some lakes.
The poor conduct of some small boats skippers is continuing to cause headaches for Environment Waikato's Navigation Safety officers.
Environment Waikato has approved an increase in frequency for city bus services so it can take advantage of Transfund funding.
Environment Waikato's Regional Land Transport Committee welcomes the Government's proposal to return to public ownership of the rail network.
Environment Waikato has granted resource consents for discharges from the Turangi Wastewater Treatment Plant.


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GAMSAT Test Preparation
For GAMSAT Candidates discuss the GAMSAT syllabus, form GAMSAT study groups, discuss GAMSAT study resources, review of GAMSAT preparation material, discuss anything that will help achieve a better GAMSAT score.
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medprep vs des
GAMSAT Test Preparation Forum Index
Reviews of GAMSAT Courses, Books
Joined: 17 Aug 2008
Posts: 7
Posted: Sun Aug 17, 2008 11:13 pm
Post subject: medprep vs des
Hi guys,
i know it is an old topic listed more than twice in this forum, but i should ask again...
i am a pharmacist, wants to get into med like all of you here. i guess the difference is that now i am a full-time mum of 11 months-old girl. it may sound like alot of time for studying, but it is not! i am trying my butt off to make some time (well ANY time) for studying but it is not a piece of cake...
so i am looking into taking a course.. since my husband is the primary bill-payer, i have to make a wise choice..
so what do you think, the past gamsatters? medprep or des oneill??
also, i study about 3 hours (max) a day.. do you think that is enough...? (that is the very maximum i can have for myself a day)
any mums who are dr-to-be out there? please tell me it is possible!
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Joined: 22 Oct 2009
Posts: 9
Location: Brisbane
Posted: Fri Oct 23, 2009 9:09 pm
Post subject:
Hi Jiye
I am a mum of a 13 month old daughter
I am a doctor in Homeopathic Medicine from India and prepared to study from scratch
I too am looking for ideas on what to study and where from
Are you located in Brisbane?
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Joined: 21 Sep 2009
Posts: 14
Posted: Sun Dec 06, 2009 1:53 am
Post subject:
Hi Jiye, I'm a father of two boys and the main family breadwinner. My wife and I both decided that medicine was a good long term choice for the family but it's left us pretty tight in the short run.
I don't know about medprep or des oneil as I haven't read them but I would suggest my own blog ReviseGamsat. It mainly concentrates on section 3 but there's also some advice on sections 1 and 2 as well. It's all free.
Medicine is a noble calling and I wish you the best of luck!
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This is a Thursday's Travels - Anything about previous, current and future (upcoming) travel exploits entry under my Singapore Travel Blog themed blog posts! For more info about the themed blog posts, do read the entry here.
As mentioned in my previous blog entry about my second honeymoon in Maldives, I promised to share the difference between All Inclusive, Full Board and Half Board packages in Maldives.
When we were researching about where to stay in Maldives, we were shocked at the many different types of packages available.
Thankfully, as we were no strangers to the Club Med concept (having visited Club Med Bintan and Club Med Phuket), we were able to wrap our heads around the various packages available.
Here's #nadskai's interpretation of the very many Maldives packages available!


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ESSAY- Sham recovery: Why the economy's not getting any better
Are we finally in a recovery? Who's "we," kemosabe? Big global companies, Wall Street, and high-income Americans who hold their savings in financial instruments are clearly doing better. As to the rest of us– small businesses along Main Streets, and middle and lower-income Americans– forget it.
Business cheerleaders naturally want to emphasize the positive. They assume the economy runs on optimism and that if average consumers think the economy is getting better, they'll empty their wallets more readily and– presto!– the economy will get better. The cheerleaders fail to understand that regardless of how people feel, they won't spend if they don't have the money.
The US economy grew at a 5.9 percent annual rate in the fourth quarter of 2009. That sounds good until you realize GDP figures are badly distorted by structural changes in the economy. For example, part of the increase is due to rising health care costs. When WellPoint ratchets up premiums, that enlarges the GDP. But you'd have to be out of your mind to consider this evidence of a recovery.
Part of the perceived growth in GDP is due to rising government expenditures. But this is smoke and mirrors. The stimulus is reaching its peak and will be smaller in months to come. And a bigger federal debt eventually has to be repaid.
So when you hear some economists say the current recovery is following the traditional path, don't believe a word. The path itself is being used to construct the GDP data.
Look more closely and the only ones doing better are the people and private-sector institutions at the top. Many of America's biggest companies are sitting on huge amounts of cash right now, but that says nothing about the health of the U.S. economy. Companies in the Standard&Poor 500 stock index had sales of $2.18 trillion in the fourth quarter, up from $2.02 trillion last year, and their earnings tripled. Why? Mainly because they're global, and selling into fast-growing markets in places like India, China, and Brazil.
America's biggest companies are also showing fat profits and productivity gains because they continue to slash payrolls and cut expenditures. Alcoa, for example, had $1.5 billion in cash at the end of last year, double what it had on hand at the end of 2008. Sounds terrific until you realize how it did it. By cutting 28,000 jobs– 32 percent of workforce– and slashed capital expenditures 43 percent.
Firms in S&P 500 are now holding a whopping $932 billion in cash and short-term investments. And they can borrow money cheaply. Corporate bond sales are brisk. So far in 2010, big U.S. corporations have issued $195.2 billion of debt, excluding government-guaranteed bonds. Does this spell a recovery? It all depends on what the big companies are doing with all this cash. In fact, they're doing two things that don't help at all.
First, they're buying other companies. (Walgreen spent $618 million in Feb. for another New York drugstore chain Duane Reade; Bank of New York Mellon, $2.3 billion for PNC Financial Services; Monster, $225 million for jobs.com; Diamond Foods, $615 million for Kettle Foods.) This buying doesn't create new jobs. One of the first things companies do when they buy other companies is fire lots of people who are considered "redundant." That's where the so-called merger efficiencies and synergies come from, after all.
The second thing big companies are doing with all their cash is buying back their own stock, in order to boost their share prices. There were 62 such share buy-backs in February, valued at $40.1 billion. We're witnessing the biggest share buyback spree since Sept 2008. The major beneficiaries are current shareholders, including top executives, whose pay is linked to share prices. The buy-backs do absolutely nothing for most Americans.
(None of this, by the way, is stopping supply-side fanatics from arguing government needs to cut taxes on big corporations in order to spur the recovery. Their argument is absurd on its face. Big companies don't know what to do with all their cash they have as it is. They aren't investing it in new plant and equipment and new jobs. So why should the government cut their taxes and enlarge their cash hoards even more?)
The picture on Main Street is quite the opposite. Small businesses aren't selling much because they have to rely on American– rather than foreign– consumers, and Americans still aren't buying much.
Small businesses are also finding it difficult to get credit. In the credit survey conducted in February by the National Federation of Independent Businesses, only 34 percent of small businesses reported normal and adequate access to credit. Not incidentally, the NFIB's "Small Business Optimism Index" fell 1.3 points last month, just about where it's been since April.
That's a problem for most Americans. Small businesses are where the jobs are. In fact, small businesses are responsible for almost all job growth in a typical recovery. So if small businesses are hurting, we're not going to see much job growth any time soon.
The Federal Reserve just reported that American consumers are shedding their debts like mad. Total US household debt, including mortgages and credit card balances, fell 1.7 percent last year– the first drop since the government began recording consumer debt in 1945. Much of the debt-shedding has been through default– consumers simply not repaying and walking away from homes and big-ticket purchases.
This is hardly good news. But here's the Wall Street Journal's take on it: "the defaults are leaving many people with more cash to spend and save, jump-starting the financial rehabilitation" of the economy.
Baloney. As of end of 2009, debt averaged $43,874 per American, or about 122 percent of annual disposable income. Most economic analysts think a sustainable debt load is around 100 percent of disposable income– assuming a normal level of employment and normal access to credit. But unemployment is still sky-high and it's becoming harder for most people to get new mortgages and credit cards. And with housing prices still in the doldrums, they can't refinance their homes or take out new loans on them. The days of homes as ATMs are over.
Some cheerleaders say rising stock prices make consumers feel wealthier and therefore readier to spend. But to the extent most Americans have any assets at all, their net worth is mostly in their homes, and those homes are still worth less than they were in 2007. The "wealth effect" is relevant mainly to the richest 10 percent of Americans, most of whose net worth is in stocks and bonds. The top 10 percent accounted for about half of total national income in 2007. But they were only about 40 percent of total spending, and a sustainable recovery can't be based on the top ten percent.
Add to all this the joblessness or fear of it that continues to haunt a large portion of the American population. Add in the trauma of what most of us have been through over the past year and a half. Consider also the extra need to save as tens of millions of boomers see retirement on the horizon. Bottom line: Thrifty consumers are doing the right and sensible thing by holding back from the malls. They saved a little over 4 percent of their disposable income in fourth quarter of 2009. In the months or years ahead they may save more.
Right and sensible for each household but a disaster for the economy as a whole. American consumers accounted for 70 percent of the total demand for goods and services in the American economy before the Great Recession, and a sizable chunk of world demand.
So what happens when the stimulus is over and the Fed begins to tighten again? Where will demand come from to get Main Street back, create jobs, raise middle class wages? Not from big businesses. Certainly not from Wall Street. Not from exports. Not from government.
So, where? That question is the big unknown hanging over the U.S. economy. Until there's an answer, an economic "recovery" for anyone other than big corporations, Wall Street, and the wealthy is a mirage.
Robert Reich, former Secretary of Labor in the Clinton administration, is Professor of Public Policy at the University of California at Berkeley and the author of Supercapitalism. This essay first appeared on his blog and is distributed through Featurewell.
1 comment
Wow! I certainly would agree with most of mr Reich's assertions. I do not agree that all is lost. Not shopping at the mall is not the end of the american economy, it is just the beginning of a new economy, or better stated, a new mind-set.
By saving more, americans can once again be strong financially. Yes many are out of work and you cant save if you have no income, but you can still think!!
Hard times have come to this country before, it seems only the WW2 crowd remembers them. However there is a demographic that exists today that knows what to do in hard times and that would be the recent immigrants from poor nations. Some take advantage of government handouts, others work hard and save, save, save.
When the berlin wall fell, I was a defense contractor with General Electric, I lost my job within a year of that event. My home lost a third of it's value.
I moved to minneapolis and unloaded trucks for UPS, my wife worked at a craft store, we had one car. I worked several low paying jobs and worked night shift mostly so that I could watch our daughter and not have the added burden of daycare. We used our savings to pay off our debt and put a downpayment on a very small house. Eventually we both got better jobs and saved, saved, saved. No major vacations, clothes lasted longer, not much going out to eat, walking or biking instead of driving if possible, leftovers for dinner, get a manual and fix it yourself, take advantage of education opportunities, the list is endless.
When the housing market got better, our small house doubled in value, we sold it and made $70,000. We didnt throw the money away on toys, we put it into a small modular home. we now live in wisconsin.
Currently I work as a mechanic in an onion ring factory and my wife works at a small defense firm. These jobs are not pretty but they pay the bills.
When the whole economy crashed we had no debt other than the house so we were able to refinance to an even lower payment and afford to get our daughter a new car. Our daughter was accepted to the university of wisconsin but she goes to a small state technical college because it is much less expensive.
Most of our countries problems stem from the citizens of this country looking to others to solve the problems they have.
My father was an accountant by trade, and he taught me some important life skills, never spend more than you earn,and I would add to that, everything you need to know about personal finance you learned in 7th grade math.
Think people, just because it's shiny and your neighbor has one does not mean you need one too!


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Discuss the latest Heroes episode here.
THANKSGIVING UNITES FAMILIES TOGETHER AND BRINGS NEW REVELATIONS — H.R.G. (Jack Coleman) hosts an untraditional Thanksgiving dinner. Elsewhere, the Petrelli family gets a surprise guest at their table. Meanwhile, Samuel (Robert Knepper) continues to hold Hiro (Masi Oka) hostage, as Lydia (guest star Dawn Olivieri) goes in search for the truth. Greg Grunberg, Hayden Panettiere, Adrian Pasdar, Zachary Quinto, Sendhil Ramamurthy, Cristine Rose and Milo Ventimiglia also star. Ashley Crow, Jimmy Jean-Louis, Madeline Zima, Ray Park, Harry Perry, Elisabeth Rohm, Andrew Connolly also guest star.
Source: NBC
- Promotional Photos
- Promo
- 5 Sneak Peeks


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Issued by the Committee on Accounting
Procedure, American Institute of Accountants,
13 East 41st Street, New York, N. Y.
Copyright 1939 by American Institute of Accountants
General Introduction
Rules Formerly Adopted
I N PRESENTING its first statements of the results of studies of accounting
questions, it seems desirable that the committee indicate the stand-point
from which it has approached the subject. Its present and future
pronouncements should be read in the light of these remarks.
Accounting and the Social System
The committee regards corporation accounting as one phase of
the working of the corporate organization of business, which in turn
it views as a machinery created by the people in the belief that,
broadly speaking, it will serve a useful social purpose. The test of the
corporate system and of the special phase of it represented by corporate
accounting ultimately lies in the results which are produced. These
results must be judged from the standpoint of society as a whole—
not from that of any one group of interested parties.
The uses to which the corporate system is put and the controls to
which it is subject change from time to time, and all parts of the
machinery must be adapted to meet such changes as they occur.
In the last forty years the outstanding change in the working of the
corporate system has been an increasing use of it for the purpose of
converting into liquid and readily transferable form the ownership
of large, complex, and more or less permanent business enterprises.
This development brought in its train certain uses of the processes
of law and accounting, which have led to the creation of new con-trols,
revisions of the law, and a reconsideration of accounting
Accounting Information for Transitory Owners of Securities
As a result of this development in the field of accounting, problems
have come to be considered more from the standpoint of the current
buyer or seller in the market of an interest in the enterprise than from
the standpoint of a continuing owner. The significance of this change
Accounting Research No. 1
September 1939


text:
When it comes to gay meetup and chat apps, one app rules them all. That's Grindr, the app that claims six million users worldwide and dominates the conversation when gay apps are mentioned.
That said, Grindr is limited in scope. It only lets you upload a single picture and only lets you write a 130-character description of yourself. Those limitations can give users the impression that Grindr is merely for hooking up rather than finding compatible matches.
Carl Sandler, the CEO of rival gay meetup and chat app Mister, thinks there need to be more apps in the conversation. Especially ones that emphasize maturity, safety, and respect.
Sandler believes Mister falls into this category. Mister lets you upload multiple photos and write at length about yourself on your profile. And today, he is launching a new version of Mister for iPhone (a new version of the company's Android app is in the works too) that has a cleaner design and more features to separate it from other prominent gay meetup apps like Grindr, Jack'd, and Scruff.
"Some people just want to go to a place where they can be themselves," Sandler (pictured above) told VentureBeat. "We want people to be themselves as long as they're a bit more grown up and mature."
Sandler has serious footing in this space. He's written many articles for the Huffington Post about gay relationships and has worked in the gay tech scene for years. Formerly he worked as a VP of Gay.com, and he previously launched the app Daddyhunt.
Mister is Sandler's vision of what a "grown up version of Grindr" looks like. It centers around a "code" that tries to push its community to higher standards (Similarly, rival app Hornet also says it is trying to make gay meetup apps more "classy.")
"For many young gay men or people coming out, these apps are their first insight into the gay community," Sandler said. "You don't know anything about the gay world. Think about the message you get. … There's so much toxicity, and it's accepted. It's almost become the norm."
So perhaps the Mister code can help change that a bit. Here's the code:
MISTER encourages users to follow the MISTER Code, a shared set of values. As a community, we agree these things are important, both online and in the real world.
Maturity: MISTERs act like adults. No games. No attitude
Integrity: MISTERs live authentically and honestly
Safety: MISTERs protect themselves and their partners, emotionally and physically
Truth: MISTERs represent themselves accurately in their profiles
Enjoyment: MISTERs value mutually pleasurable experiences
Respect: MISTERs treat each other with respect
Sandler says the code is vital to the community, and says he's been thanked in real life by members of Mister for having the code in place.
"We're not trying to be as big as Grindr," Sandler said. "We're trying to create a space for people who believe in what we stand for."
New York City-based Mister has seven employees and is self-funded, primarily by Sandler. He said the app is not profitable yet, but Mister does offer premium accounts and local advertising to generate revenue. He also said he wants the Mister brand to eventually be "bigger than just mobile apps."
Check out the photos below to see more screenshots of Mister's newest app for iPhone.


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Cryptohippie USA, Inc. provides access to the Cryptohippie network, which is anonymous, thoroughly protected and globally distributed. This network creates anonymity and gives you very private access to standard Internet destinations.
We use a variety of technological and organizational methods to give our clients professional, anonymous Internet access. Both your communication's content and its context are protected within the network. In other words, we provide both encryption and anonymity.
Cryptohippie is unique: we don't require you to trust a single entity for your privacy. Our sales and network are run by separate companies in different jurisdictions. The sales company never sees network traffic and the network company never sees sales data.
And we make installation as fast and easy as possible. In fact, we have installation videos that guide you through the installation process. All you have to do is follow along.
The ideal product for mobile and tele-workers. Easy to install and use software connects you to our networks and secures your communication. You can use one account to protect both desktop and laptop machines – simultaneously. Unless you do a lot of downloading, you won't need a separate account for each computer. You can find more information here.
Protect your data processing backends, file storage and databases by using state of the art anonymization and encryption.
...more information.
If you run a large office, please talk to us about massive multi-user access to our networks. Connect your offices, mobile groups and factories without the need of per client installation. Our routers are dedicated hardware appliances with priority support. Contact firstname.lastname@example.com for more information.
Without Cryptohippe protection, your Internet traffic travels as show below: It goes from your machine, through a number of data centers, then finally to its destination (Amazon, Overstock.com, whatever). At every point along this path, your data can be stolen by hacker groups. (Government, mafia, corporate, etc.)
Here's what you data traffic looks like with Cryptohippie protection: You traffic passes through several data centers before it reaches the Cryptohippie Network, but it is strongly encrypted all the way. No one can capture your data, and they don't know whether you're surfing, sending email, or whatever.
The Cryptohippie network creates anonymity for you. Your traffic bounces across continents, is mixed with the traffic of many other people, and leaves the network without any of your identifying information. When your signals reach their destination (Amazon, Overstock.com, whatever), who you are and where you are are unknown.
Further information on Why and How and technical details.


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In today's crowded automotive landscape, you'd be excused for not having a Saleen Mustang anywhere on your radar – it's 2013, after all. The little California company has had a rough go of things in the last few years, including insolvency. But things are on the up, and after supercharging some more muscle cars, Saleen thought it'd be a good idea to go for an electric car.
I know, that's probably the last thing you'd expect a car associated with speed and superchargers to introduce. According to a statement released today by Saleen, though, an electric car is under development for "eventual distribution and sale." Oh, there's more from the big boss, Steve Saleen:
"We recognize that electric cars are a trend, not a fad and expect this vehicle category to continue to increase as an automotive option for consumers. We intend to enter this market with an offering that is truly innovative and offers the styling and craftsmanship associated with the Saleen Automotive brand. The rapid pace of advancements in electric vehicle technology makes our entry into this market sector timely and should expedite completion of this project."
Some of you may scoff at the idea, but you haven't even seen what the company is going to use for its basis. Will it be some kind of crazy quick/crazy quiet Mustang or just a Focus Electric with some stickers.
We'll know more early next year when more details, including scale models, are released.
Photo: Saleen Automotive


text:
Resilience is the ability to bounce back from life's challenges with confidence, and also to grow and develop in new ways. In this program we present specific skill development tools and frameworks to develop resilience by focusing on seven core competencies: Emotion Regulation, Impulse Control, Causal Analysis, Self-Efficacy, Realistic Optimism, Empathy, and Reaching Out. These competencies equip leaders to adapt flexibly through adversity, leading to growth and success. For upwardly mobile professionals navigating the shifting tide of change, these skills will enable participants to stand out in excellence against a backdrop of mediocrity.
Using the Hay Group® resilience workbook and assessment, this skill development course will help participants develop their overall leadership ability by assessing their Resilience Quotient, outlining scientifically researched resilience skills, and practicing the application of these skills.
|Date and Time
|Kirsten C. Huff
|Thursday, July 16, 2020 from 9 a.m. to 4:30 p.m.
|Cleveland, OH
|Add to Cart
- Instructor:
Kirsten C. Huff
Date and Time:
Thursday, July 16, 2020 from 9 a.m. to 4:30 p.m.
Cleveland, OH
Add to Cart
Participants must have attended Introduction to Emotional Intelligence prior to attending this program, to gain intermediate background knowledge.
- What is resilience and why does it matter?
- How can awareness of my thinking help me be more resilient?
- How do I navigate through adversity?
- How does resilience lead to bottom-line success in every area of life?
- Development of resilience thinking skills that are immediately applicable to work and home life
Learning Outcomes
As a result of attending this program, participants will:
- Increase their self-awareness of how adversities in their environment impact their thoughts and thinking process
- Learn and apply an approach to conscious decision making for choosing the thoughts that will lead to a more productive outcome
- Recognize the importance and impact of all aspects of Resilience on leadership capability, as well as other arenas of life.
Who Should Attend
Professionals at every level working in dynamic, fast-paced organizations
Individual Participants: $695
Package Pricing: 1 class day per participant


text:
Tips on how to speed up your internet
Please follow and like us:Read more
Google Reviews
Based on 42 reviews
OriMaster 261
18:27 08 Jan 20
Very nice and helpful people, love the store atmosphere, and fair prices.... Overall a very pleasant experience!read more
Tracy cook
00:29 03 Jan 20
So far, it hasn't been that great. I took a laptop in almost 2 weeks ago and... haven't heard back from them. When I went in to drop it off, it was like they were getting ready to go out of business. The young guy who took my laptop said he would call me and hasn't yet. I know that we have had 2 weeks of holidays, but other businesses are open again. He made sure he got my $45 first though. I'm surprised by all of this, because I've gotten great service when the father was there. In this guy's response, he says that he can't get a hold of me. What he fails to mention is that he wrote my number down wrong and didn't check his caller ID from when I called last Monday or when I left a message the week before. I left a message last week and he never called me back then either. When he did finally found my number, he chewed me out for everything. He never confirmed anything about the computer, yet acts like he did. So my number is not out of service, but I will not be a customer of theirs again.read more
23:48 22 Oct 19
I went with a problem on my tablet and that is not something they are very... comfortable with but for computers that are used you should check it outread more
Carol Lyle
16:43 13 May 19
Am new to the area having problems with tower computer at the time. Was... advised to seek a locally owned business doing computer repair. I did and chose Community Computer Services in Alexandria, Ky. 41001. Did diagnostics as I was thinking problem with hard drive. Wasn't which was great price wise. Was able to clear out all viruses and malware. Saved my pictures and other personal folders and reloaded to computer. Also installed free virus and malware programs. Runs fast!! Also they gave me a week to use to see if incurred any problems. I did not!!! While taking care of tower computer explained how slow my laptop was. So brought it in. Was going to do diagnostics see what problem was. He told me it would be like a new computer. Advised me to use chrome. He saved my files and reloaded them so where I didn't lose anything. Also downloaded the free virus protection and malware. The laptop is brand new to me. It is fantastic!!!! So fast it has to wait on me. I would recommend anyone having computer problems to see Community Computer Services immediately. Very reasonable, courteous and explained things to me where I could understand. Excellent experience.read more
Sara housypart
18:44 03 Apr 19
We took our mac into their store. It was running terrible. They were able to... make it run like it was new. I was surprised on how affordable it was. We will be going there from now on for all of our computer work.read more
Steven Noble
21:07 01 Apr 19
They did a great job fixing our laptops. We will be using them from now on.
Ryan Moore
23:45 31 Mar 19
We have used Community Computer Services for many years now. They do a great... job! The pricing is great as well. If you need a laptop or desktop repaired in Northern Kentucky, then these are your guys.read more
Piles Chevrolet
15:36 20 Feb 19
This is a great place to have your computer or laptop repaired. They are fast,... honest and stand behind their work. I wouldn't go any place else. I recommend everyone to use this company. They give you pricing right up front. D. Hensleyread more
Joe Geiman
03:30 25 Aug 18
Always had a great experience dealing with these guys. My computer is running... faster than it ever has after being repaired there. Would recommend them to anyone.read more
Penelope Kolb
15:03 22 Aug 18
Community Computer Services provides a great services at affordable prices.... Over the past 5 years I have had to replace lap top hardware and treat viruses. Every time the knowledgeable team at Community Computer Services has provided fast diagnostics with a menu of solutions for me to choose from. I highly recommend keeping your technology out of a landfill and going strong with the support of Community Computer Services.read more
B Bailey
01:20 22 Aug 18
I have received great service from these guys on more than one occasion. The... prices are excellent as well. They have taken very good care of me over the years. Thanks!read more
Daryl Mullins
04:08 28 Jul 18
My computer quit working just as my wife was in the middle of using it for... Vacation Bible School last night. She was panicking. I began to look online and saw Community Computers near where I live. I checked the reviews and it had a great rating. I called this morning and explained my situation. I was told to bring my laptop in and he would see what he could do. When I took it in I also shared with him another issue I had been experiencing, my wireless connection was not working . He said he would really try to find out the issue so we would have it for Bible School. About 2 1/2 hours later he called to give the good news that the problem was just a bad cord. When picking it up he also told me he gave it a good checking over and tried to repair my non wireless connection for over an hour. He then told me instead of trying to go into the laptop to change a chip which could be costly, he sent me to Staples for a solution of a $30.00 wireless adapter. I was very impressed with my experience Community Computers. I would encourage anyone who has computer issues to check them out. You will not be disappointed. Also, the price I paid was very reasonable.read more
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Avengers Assemble with The Dark Knight
I don't know if you've heard but a lot of critics are talking about The Avengers like it's the rapture. Best super hero movie ever? Click here for a collection of analyses. I'm not nerd enough - at all - to be able to make any sort of declaration on the subject. All I can say, in short, is that The Avengers is super fun, that I had a great time seeing it, that I was so happy after seeing it, and that I cannot wait to see it again.
Anyway, not that anyone needs any more incentive to see The Avengers but it's been confirmed that when it finally opens on May 4th, it will be preceded by a new trailer for The Dark Knight Rises. A Warner Bros source told Nikki Finke at Deadline that:
"We see this placement as a good strategic decision. We always want our trailers to be seen with films that people want to see — and a lot of people will be going to The Avengers!"
This seems to me to be a healthy, smart way to do business. Why not?
What I don't understand are the petty comments that come, inevitably, every time there's anything ever written about The Avengers - in my inbox, at my Twitter - like: TDKR IS GOING TO KICK AVENGER ASS! AVENGERS CAN EAT SH-T! AVENGERS WILL ONLY OWN IT UNTIL TDKR COMES! TDKR WILL BE THE BIGGEST MOVIE EVER!
I mean, it's not like I don't agree. The Dark Knight Rises will be massive, probably the most massive, stamp it, stamped, stampted GREATEST OF ALL KANYE TIME ....but what's with the f-ckin' dork war that has to erupt over it? Robert Downey Jr may have to write "The Avengers is 99% but TDKR will be 110%" in his own blood before these people are satisfied.
(In meek voice) But is it ok to like The Avengers? Even if it's not by Christopher Nolan? Or am I just not nerd worthy?
Here are some of The Avengers promoting the movie in Italy and Germany over the last few days. Hi Mark Ruffalo. I know I've been writing a lot about Tom Hiddleston lately but don't you ever doubt that you are my one true love forever. So about Chris Hemsworth's shag...true story - for months I tried to style mine like that in 1994, around the time of Reality Bites. As for Hiddleston, I like him so much better wearing just a shirt and waistcoat with the sleeves rolled up. Hot, right? What is it that I'm not feeling when he's in a suit jacket?
Wenn, Fame/Flynet, Elisabetta Villa/Getty


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Welcome to Lazaretto Creek Marina & Captain Mike's Dolphin Tours
Celebrating 20 Years on Tybee Island!
Family owned and operated since 1992, Lazaretto Creek Marina and Capt. Mike's Dolphin Tours have been offering the best in dolphin tours, sunset cruises, and deep sea fishing from the serenity of Tybee Island, Georgia.
Tybee Breeze readers have voted Capt. Mike's Dolphin Tours as Tybee's Best Adventure tour every year since 2003!
Online Reservations Now Available!
Ready to book? Click here for our available tour schedule.
Looking to book for a group tour or for deep sea fishing trip? Click here to contact us. (Special rates are available for school groups, Girl Scouts and Boy Scouts.)
Click here to purchase gift certificates.


text:
via press release:
LOS ANGELES – April 3, 2012 – The Style Network continues to explore the fascinating subculture of all things glam and beauty in the new docu-series "Chicagolicious" which premieres Sunday, June 3 at 9pm ET/PT. Produced by Endemol USA, the creator and executive producers of Style's #1 hit series "Jerseylicious," this 10-episode series takes viewers to the Windy City to follow AJ Johnson who owns AJ's of Chicago, and whose clientele includes a who's who of actors and models, including Jennifer Hudson, Angela Bassett and Iman. With his staff of hair stylists and makeup artists, AJ looks to expand his business nationally by servicing more elite clientele and solidifying his place in Chicago society. "Chicagolicious" will premiere after "Jerseylicious," which in its fourth season is enjoying its most-watched season to-date among Total Viewers (591,000), more than tripling the network's 1Q12 primetime average, according to Nielsen. For more information, visit www.myStyle.com. Follow us on Twitter at https://twitter.com/myStyle and https://twitter.com/StyleNetPR.
"Jerseylicious has become appointment television for Style's passionate viewers, and with Chicagolicious, we have found an eclectic set of characters, including the beautiful city of Chicago, to deliver a new twist and expand our top performing franchise series," said Salaam Coleman Smith, President, The Style Network.
A multi-platform campaign will kick-off online and on demand in the weeks leading up to the June 3 cable premiere, providing original content and opportunities to get to know the cast. Launching later this month, the "Chicagolicious" show page on myStyle.com will introduce viewers to the unique team of stylists and feature weekly blogs from the cast, episode recaps and exclusive photos and video. In addition, the "How to be 'Chicagolicious" micro-series will offer fans makeup, hair and fashion tips, including how to create the most dramatic eye, maintain your weave and match your hair to your outfit. New episodes of "Chicagolicious" will be made available On Demand and for purchase on iTunes the day following the Sunday night premiere (June 3).
AJ's of Chicago is one of the go-to beauty salons in the Second City with an eccentric staff and exclusive clientele. Charismatic salon owner AJ oversees his team of talented yet fiery hair and makeup artists who love to create drama, from the looks they give their clients, to the manner in which they deal with each other. Throughout the season, AJ and his staff of super stylists will create amazing looks for red carpet and fashion runway events and face off against rivals while catapulting AJ's of Chicago to national success.
Meet the cast of "Chicagolicious:"
Salon entrepreneur AJ Johnson opened his business 14 years ago, and AJ's of Chicago has become a legendary force in the Chicago beauty scene. Boasting an impressive client list, AJ is on a mission to expand his business on a national level. From launching a new product system, to styling for star-studded celebrity events, to landing a job as a regular style contributor on a local news show, AJ will not stop until he is the "go-to" style and beauty expert in the country. The staff was handpicked by AJ himself, both for their skill and for their unique personalities, and they all share his unwavering desire for financial and artistic success. They are a dysfunctional but very talented crew, and AJ is fiercely loyal to them as he wants his team to succeed right along with him.
A former model, Katrell is new to AJ's and struggles to fit in at the salon. She constantly bumps heads with hair stylist Valincia who, as a former model herself, views Katrell as competition. Focused on her career, Katrell is an overachiever and is looking for new ways to expand the makeup division so that it will be a thriving success. Personally, Katrell needs to finally end ties with her ex-boyfriend, whom she still lives with, and prove to herself that she is a strong, independent woman who doesn't need a man to feel secure in life.
Raised in a small town in Virginia and having lived recently in a bigger small town in North Carolina, MaCray is a fish-out-of-water in the big city of Chicago. Determined to be one of the leaders at the salon, MaCray looks to prove to everyone that he is more than capable to take on the responsibility. The first step to making his dream a reality is for AJ to give MaCray the recognition due him for his work at the salon – not only for his expertise with extensions but also as a full stylist.
As the youngest and least experienced girl at the salon, Austin is constantly trying to prove her skills as a makeup artist. AJ sees the potential in Austin and takes her under his wing, looking to smooth out her rough edges to bring out her star qualities. During the difficult times, she learns to lean on her professional mentor Katrell and best buddy MaCray. Above all else, Austin's number one goal is to find love, and the whole salon is ready to help. She has had a string of "bad boy" relationships that have distracted her from her goals in the past. Now she feels she's on the right track professionally, and she really wants to find the right guy to share her life with.
Valincia has been at AJ's longer than any other stylist and believes that she deserves special treatment – always. Once the salon darling, she clashes with new makeup artist Katrell who seems to be taking her spotlight. While she may frustrate salon management with her outrageous opinions and diva-like behavior, Valincia is a master stylist who creates great hair, and she brings in way too much business to even think about getting rid of her.
As AJ chases success, his best friend and roommate Niki continues to support AJ's dreams but also uses her spiritual outlook on life to keep AJ grounded. Niki recently returned to her hometown of Chicago after living in New York and is looking to re-establish herself in Chicago. With her new age rituals and beliefs, Niki sometimes clashes with the stylists at the salon, especially Q who is motivated by money. Steadfast and true, Niki encourages AJ and everyone else to be honest and real with themselves. As the salon manager, she quickly becomes a sounding board for each person at the salon and is a mentor to the younger stylists.
Q is AJ's cousin, and as the salon's Director of Marketing and Sales, her primary focus as the "Money Honey" is to make money. She fully supports AJ's hunger for fame and success which causes her to clash with Niki, and she is always dreaming up bigger and better ways to make AJ's a success. On the personal front, Q is forced to make a decision about her marriage of 12 years as her husband continually feels that she puts AJ and her job above family. When both worlds collide, Q must choose between her personal and professional lives and examine what she really values in life.
Howard is the head barber at the salon and worries that AJ doesn't put enough time and money into promoting this full-service specialty. Frustrated, he decides to raise the profile of the barbering services on his own. Outside the salon, the fitness-conscious Howard offers to help MaCray lose weight while his focus on dating and romancing women also plays a major factor in his life. However, when his philandering gets him in trouble at the salon, his job could be on the line.
A client of AJ's, Julie is a publicist who specializes in the lifestyle and luxury market. She is using her expertise to help AJ make the transition from a local salon owner to a national business mogul. A former television and commercial print model, Julie was able to successfully transition to promoting high-end events, business and products. One of the things that AJ loves about Julie is how she is a fixture at Chicago society events and charity galas, which has allowed AJ access to this elite social circle.
While finishing her college degree in Arts Entertainment Media Management, Jennifer works with Julie as her junior associate. She is excited for the opportunity to learn more about public relations and marketing in a fast-paced environment. One of her favorite clients is AJs of Chicago, and she takes pride in her positive professionalism and ability to juggle multiple tasks, various projects and the staff's unique personalities. In addition to her day job, Jennifer fronts a top-40 pop cover band, performing at benefits, festivals, restaurants and bars around the Midwest.
Source: Nielsen, L+SD Impressions – Jerseylicious S4 Original Episodes Season To Date (Sun, 02/19/12-03/25/12, 8P-9P) ranked against Style Original Programs 2012 Year To Date (12/26/11-03/07/12); Jerseylicious S4 Original Episodes Season To Date (Sun, 02/19/12-03/25/12, 8P-9P) vs. Style Prime M-Su 8P-11P 1Q12 (12/26/11-03/25/12)
"Chicagolicious" is produced by Endemol USA for The Style Network. Three-time Emmy winner Alex Duda and Blake Levin serve as Executive Producers. Sarah Weidman and Merah Chung executive produce the series for The Style Network.


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Seeley's donations are the largest ever received by Bluff VFD. Chief Hook said, "Mr. Seeley's generous donation means a lot to our firefighters and to the town. Along with other recent donations from Bluff residents, Mr. Seeley's gift pumps the morale of our members to the roof."
Chief Hook added, "We pledge to put this money to work" by improving training and equipment.
Bluff VFD responds to approximately 40 calls each year. Bluff VFD was the first arriving unit at the ski bus accident last winter near Valley of the Gods.
Karambu L. Ringera photo


text: Explore the Grand Canyon with NCSE! Reservations are still available for NCSE's next excursion to the Grand Canyon — as featured in the documentary No Dinosaurs in Heaven. From July 3 to July 11, 2014, NCSE will again explore the wonders of creation and evolution on a Grand Canyon river run conducted by NCSE's Genie Scott, Steve Newton, and Josh Rosenau. Because this is an NCSE trip, we offer more than just the typically grand float down the Canyon, the spectacular scenery, fascinating natural history, brilliant night skies, exciting rapids, delicious meals, and good company. It is, in fact, a unique "two-model" raft trip, on which we provide both the creationist view of the Grand Canyon (maybe not entirely seriously) and the evolutionist view — and let you make up your own mind. To get a glimpse of the fun, watch the short videos filmed during the 2011 trip, posted on NCSE's YouTube channel. The cost of the excursion is $2550; a deposit of $500 will hold your spot. Seats are limited: call, write, or e-mail now.


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Grape Varieties: Chardonnay Marsanne Viognier
Very good plus wine with white peaches and ripe melon over hints of honey, lime peel, white flowers and a nice pastry note. The wine has medium plus fruit intensity and very good complexity. The medium acidity and medium plus body bring very good balance and a medium plus finish. The wine is drinking well and will for 2-3 years.


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Singapore Airlines to increase flight services to India
New Delhi, Sep 24 : Singapore Airlines Tuesday said it will increase its services to India to 107 flights a week from 98 next month. The new schedule will start Oct 27.
"India is an extremely important market for the Singapore Airlines Group and the nine additional weekly services clearly demonstrate our commitment to growing business and tourism exchange between both countries," said G. M. Toh, general manager India, Singapore Airlines.
"We look forward to further expanding our footprint in India with customer-centric investments focussed on quality products and services."
According to the airline, its subsidiary SilkAir will boost India-Singapore services by adding a third daily service from New Delhi, tenth weekly service from Kochi and the fourth weekly one from Visakhapatnam.
Recently, the airlines which started India operations in 1970, by launching services to Chennai, announced that it will set up a full-service airline in India in collaboration with Tata Sons.
The two companies, in a joint statement had said that they had signed a memorandum of understanding (MoU) to launch a new full-service private carrier based in New Delhi.
They have also applied for Foreign Investment Promotion Board (FIPB) approval for the new airline, of which Tata Sons will own 51 percent stakes and Singapore Airlines 49 percent.(IANS)


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Released in the new issue of Doctor Who magazine, this test script will never appear in the show, but is still enough to whet any Whovian's appetite. Moffat had to say,
So here, in an exclusive, as a big old tease, is one of the imaginary scenes I wrote. Couple of things. Nothing to glean about what's coming in the stories – this scene will never appear in the show itself. Also, you'll learn very little about Number 12 – naturally, this was written before the casting began. And


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Broomfield, CO - February 19, 2014
A new Webroot® threat report details the rise in potentially threatening mobile applications and reinforces the need for IT managers and employees to be aware of mobile threats. Conducted by Webroot, a leader in internet security software as a service, the report indicates that as employees continue to use their own devices and personal applications for work purposes, more threats are introduced into the workplace, putting company networks at risk. The report also provides suggestions and best practices to reduce the risk to corporate data from employee-owned mobile devices.
Key findings from the Webroot Mobile Threat Report include:
- 384% increase in total threats to Android devices in 2013.
- 42% of applications for Android analyzed were classified as malicious, unwanted, or suspicious.
- Infection risk comparisons between the Android and iOS® platforms.
- 29.3% of all tracked SMS infections stem from gaming applications.
The new report, based on data collected by the Webroot Threat Research team, analyzed more than 5.9 million mobile applications (apps), 31,000 infections, nearly 125,000 Lost Device Protection activations, and infection rates from millions of customers. The increased risk is caused by malicious apps including those which require rooting the device, send premium SMS messages, and collect all available data. The report stresses the importance of downloading apps from reputable sources such as Google Play and iTunes®. Many third party app markets do not apply strict security standards and can unknowingly host malicious files.
Click to tweet: Webroot Releases New Mobile Threat Report that Reveals Year-Over-Year Growth and Complexity of Mobile Threats http://bit.ly/OeVmgh
"Consumers are very trusting of mobile applications such as Facebook, Twitter and Angry Birds – they are apps they know and have used for some time. However, it's the thousands of unverified apps, often found on third party markets or P2P networks, that put users at risk," said Grayson Milbourne, security intelligence director at Webroot. "The report shows that this line of thinking is dangerous; poor app choices can lead to the compromise of an entire corporate network. The need to secure mobile devices will continue to grow as the discovery of new exploits and malicious apps increase—all driven by a clear focus on mobile platforms within the cybercrime community."
The proliferation of mobile devices, particularly personal devices used in the work environment—known as "bring your own device" or BYOD—can expose corporate networks to higher risk and the continued growth of the platform for Android is of particular concern. The data indicated a nearly 4X increase in the volume of potentially threatening apps for Android in 2013, while a recent report from Strategy Analytics indicated Android powered 79 percent of all smartphones shipped during the same period. While allowing such devices to access company resources aids productivity, the increased potential for compromise opens up a risk vector for which IT personnel must take into account.
The report also draws analysis from more than 31,000 sample infections to Android devices and reveals compelling results. To get a copy of the new Webroot Mobile Threat Report and read the comprehensive analysis of current mobile threats, visit www.webroot.com/mobile-threat-report-2014 or visit Webroot at the RSA Conference 2014 in San Francisco on February 24 – 28, 2014, booth #832. Webroot representatives will be available to discuss the report and demonstrate Webroot® mobile security intelligence solutions.


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sum, al-fatihah already made it clear - Muhammad went from Mekkah and Yatrib to these people whom you cited, to "defend" himself.sum wrote:Al-Fatihah hates Muhammad and Islam. He hates Muhammad`s paedophilia when he had sex with Aisha when she was only 9yrs old and he was all of 53yrs old. He hates Muhammad and muslims raping female captives, his surprise raids on peaceful caravans, surprise raids on villages where the men who resisted were killed and their wives and children taken as slaves and sex slaves. He hates throat slitting, crucifixion and amputations.
He comes to the Forum to seek reassurance from us that his "private" apostasy is fully justified.
Isn`t it about time, Al-Fatihah, that you were truly honest with yourself and see that you have been indoctrinated with a most evil doctrine?
My god, to what degree these people will go to scarifies their own self respect, and dignity defending absurdity, and delusion. Can't they distinguish between right & wrong, or reality vs delusion. How much longer Muslims like our two friend here will put up that fasat and charade?. Only God knows.


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My Stepdaughter Is A NymphoFavorites [+]
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Running Time: 105 minutes
Studio Name: Metro Media Entertainment Family Hookups
Director: Anton Slayer
Categories: Teen All Sex High Definition Taboo
Description: Cute Gina Valentina fucks her Stepdad. Sexy Summer Brooks lets her stepdad fuck her. Emma Hix bounces on her stepdad's cock. Sexy teen Alyce Anderson loves to fuck.
4 Scenes from My Stepdaughter Is A Nympho
My Stepdaughter Is A Nympho: Scene 1
Starring: Gina Valentina ... More Details
Stars: Gina Valentina
Sex Acts: Oral Sex, Deep Throating, Vaginal Sex, Masturbation
Positions: Cowgirl, Kneeling, Laying, Missionary, Reverse Cowgirl, Side Saddle, Sitting, Spoons position, Standing
Settings: Living Room
My Stepdaughter Is A Nympho: Scene 2
Starring: Summer Brooks ... More Details
Stars: Summer Brooks
Sex Acts: Oral Sex, Masturbation, Deep Throating, Vaginal Sex
Positions: Cowgirl, Reverse Cowgirl, Sitting, Spoons position, Standing
Settings: Living Room
My Stepdaughter Is A Nympho: Scene 3
Starring: Emma Hix ... More Details
Stars: Emma Hix
Sex Acts: Oral Sex, Deep Throating, Vaginal Sex, Showering/Bathing
Positions: Cowgirl, Doggy Style, Laying, Missionary, Reverse Cowgirl, Side Saddle, Spoons position, Standing
Settings: Bedroom
My Stepdaughter Is A Nympho: Scene 4
Starring: Alyce Anderson ... More Details
Stars: Alyce Anderson
Sex Acts: Oral Sex, Masturbation, Vaginal Sex
Positions: Cowgirl, Kneeling, Laying, Reverse Cowgirl, Side Saddle, Sitting, Spoons position
Settings: Bedroom
Recommended Movies


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A new reality series from Whoopi Goldberg will follow a group of transgender models breaking down barriers in the world of fashion.
"Strut," set to premiere later this year on Oxygen, will feature models from Slay Model Management, the world's first exclusively transgender modeling agency.
"Strut follows a group of inspiring and resilient trailblazers who are working to change the modeling industry, and the world around them, by simply being true to themselves," Rod Aissa, executive vice president of original programming and development at Oxygen Media, said in a statement. "These individuals will empower viewers as they live their lives fully and unapologetically, despite facing many obstacles throughout their journey."
U.S. & World
Whoopi Goldberg, Tracy Morgan Star in Hilarious Oscar Movies Parody Addressing #OscarsSoWhite Controversy
"This show is important right now, because for all of the positive advances the community has made and continues to make, transgender is still a hot-button word that gets people hysterical," Goldberg said. "People tend to focus on the stereotype instead of the person, and this series will give viewers a unique opportunity to spend time with real people who are struggling with the same challenges we all face as we make our way through the world. You may even be surprised to discover that you have been seeing and interacting with transgender men and women in ways you didn't even realize!"
Goldberg, Tom Leonardis, Stephanie Noonan Drachkovitch and Bobby Sizemore are all on board as executive producers.
(E! and Oxygen are both part of the NBCUniversal family.)


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- NCAA East Prelims Schedule
- NCAA East Prelims Heat Sheet
- Men's Seedings
- Women's Seedings
- Meet Central
BALTIMORE – Six of the top UMBC track and field athletes will head to Greensboro, N.C. for the NCAA East Region Preliminaries which begin Thursday at North Carolina A&T's Irwin Bell Track at Aggie Stadium. The three-day meet will kick off with the men's discus at 10:00 a.m. on Thursday and run through Saturday evening.
The top-12 athletes from each event will advance to the NCAA Outdoor Track and Field Championships to be held in Eugene, Ore. from June 5-8 at the University of Oregon's Hayward Field.
Sophomore sprinter Mercedes Jackson (Huntingtown, Md./Huntingtown) headlines the group for UMBC after another stellar season. Jackson makes the trip to the NCAA East Prelims for the second-straight year after winning the America East title in both the 100- and 200m dash events, and then taking gold at the ECAC Championships in the 100m event. She is seeded 19th in the 100m race with her school-record time 11.51 from the ECAC meet, and 23rd in 200m from her gold-medal winning time of 23.58 at the conference meet at Binghamton.
Senior Amanda Deller (Aberdeen, Md./Aberdeen) also returns to the regional meet for the second year in a row after taking part in the shot put competition last year in Jacksonville, Fla. Now an eight-time America East champion in the shot put, Deller completed her sweep of the conference titles back in April with a career-best toss of 14.84m (48'8.25"). This distance seeds Deller 44th for her trip to Tobacco Road.
A four-some of male athletes, all of whom won a conference title in April, will lead the Retriever contingent in Greensboro.
Senior Dennison Long (Greenbelt, Md./Eleanor Roosevelt), who swept the sprint events and anchored the 4x100 relay team to a gold at the America East meet, travels to North Carolina for the 100m dash in which he is seeded 31st. Long set a career-best mark of 10.39 to win the Mason Spring Invitational and move up to second all-time in UMBC program history, behind only current head coach David Bobb.
A two-time conference winner in the 110m hurdles, senior Trae Proctor (Brandywine, Md./Thomas Stone) will also head south based on his time from the George Mason meet. Proctor's mark of 11.12 broke a 38-year old school record and moved him into the top-48 for the East Prelims.
In the throws, sophomore Thor Serafenas (Olney, Md./Good Counsel/Clemson) and freshman Vincent Rentzsch (Oranienburg, Germany) have each impressed during their first season with the Black and Gold. Both athletes broke school records in their first-ever home meet, the Big Dawg Invitational, with Serafenas claiming the hammer title and Rentzsch upping his mark in the javelin.
After originally breaking the mark with a heave of 56.85m (186'6) at the home meet, Serafenas bettered his career-best to 57.26m (187'10") while earning a top-ten finish at the IC4A meet at Princeton and sneaking into the field in Greensboro.
Rentzsch, meanwhile, started the record-breaking in his very first outdoor meet for the Retrievers, the Florida State Relays, and proceeded to reset his standard three more times during the year. Prior to winning both the javelin and decathlon titles at the America East Championships to earn Most Outstanding Rookie accolades, Rentzsch posted a career-best throw of 65.40m (214'7") to win the javelin competition at the cross-town Morgan State Legacy Meet and received the 33rd seed at this weekend's competition.


text: !!PLEASE READ RED TEXT!! Due to an unforeseen event Cush has asked me to post threads for him. This is an official Release THIS IS NOT MY WORK; ALL CREDIT GOES TO CUSH2PUSH Please post bugs found in this thread, i will be monitoring this thread. There might not be true developer support for a while though. Until there is i will try to help as much as possible, but sadly I just test for Cush I dont develop. I will be keeping in touch with Cush throughout this, hopefully he'll be back soon. CushZero 2.3.7 v2.1.1 Full wipe is recommended but not required. You may however encounter bugs without a full wipe. **side note I do not know how much Cush will be active on the forums in the near future** ~~SCREEN CAPS~~ *side note on the screen shots: my LCD density is set at 192 so thats why everything seems smaller. ~~BUGS THAT STILL NEED SQUASHING~~ Brightness button on the power widget seems to not be working. * seems as if on a clean install it should work fine, but if you change settings with the brightness or sound power widget it will mess it up. ~~ADDED FEATURES~~ liquid source code a lot of the new stuff is credited to him and his teachings cant thank you enough liquid new ascii art when loading on recovery (liquidzgirl) ADWLauncher is back in system/app for those who have trouble with the google sync PropModder's latest app zerosettings/preformance (n00bwares) ics theme (liquid) zerosettings redone added removed and shuffled things around (liquid)(c2p) stock gb kb is back as well ~~EXTRAS~~ LIVE WALLPAPERS FULL FONTS SYSTEM MEDIA STOCK EMAIL ~~TESTED KERNELS~~ RAIDZERO CHEVYNO1 GIMPMOD PRIME KERNELS PETE'S ~~DOWNLOAD LINK~~ CUSHZERO 2.3.7 v2.1.1


text: Maryland's men's basketball coach, Gary Williams, will forever remember this day as the day Gus Johnson ruined his retirement party. Williams coached the Terps for 22 years and won a national title in 2002. Now he's the guy that retired the day Gus got the boot (and other things, though). [ESPN, Maryland Athletics]


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I'd like to have your opinion on the difficulty of the following interview question:
Find the contiguous subarray with maximum sum in an array of integers in O(n) time.
This trivial sounding problem was made famous by Jon Bentley in his Programming Pearls where he uses it to demonstrate algorithm design techniques.
On a scale of 1-10, 1 being the FizzBuzz (or HoppityHop) test and 10 being implement the C stdlib function malloc(), how would you rank the above problem?
I think the people who can best answer this question are those who have read Programming Pearls and have tried to solve this problem on their own. To motivate those who haven't, 'Programming Pearls' gets featured many times in the 'Top 10 programming books' list.
A couple of comments might help get a better rating:
Implementing malloc() is not as formidable as it seems. See K&R's C Programming Language for example. It sometimes gets asked at Microsoft.
CLRS observation on problem solving: it is often more difficult to solve a problem from scratch than to verify a clearly presented solution, especially when working under time constraints.


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Connect with Us
- HHP Facebook Page
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TwHP in Heritage & Historic Preservation
National Park Service
Teaching with Historic Places
Heritage Education Services
Teaching with Historic Places (TwHP) uses properties listed in the National Park Service's National Register of Historic Places to enliven history, social studies, geography, civics, and other subjects. TwHP has created a variety of products and activities that help teachers bring historic places into the classroom.
Hispanic History
To celebrate Hispanic Heritage and generate public appreciation for diverse cultures, Teaching with Historic Places highlights on the web the following lesson plans that consider Hispanic contributions to American history. Included is a Spanish version of the lessons, Forts of Old San Juan: Guardians of the Caribbean. Based on historical sites listed in the National Register of Historic Places, these lessons were created by National Park Service interpreters, preservation professionals, and educators. The lessons are free and ready for immediate classroom use by students in history and social studies classes.
Para celebrar la Herencia Hispana y generar en el público la apreciación hacia diversas culturas, Educando con Lugares Históricos está destacando en la red los siguientes planes de lecciones que consideran las contribuciones hispanas a la historia americana. Se incluye la versión en español Los Castillos del Viejo San Juan: Guardianes del Caribe. Basadas en lugares históricos inscritos en el Registro Nacional de Lugares Históricos, estas lecciones fueron creadas por intérpretes del Servicio Nacional de Parques, profesionales en el área de la preservación, y educadores. Las lecciones son gratuitas y están listas para uso inmediato en el salón de clases para estudiantes en los cursos de historia y estudios sociales.
• Californio to American: A Study in Cultural Change (8)
Evaluate several centuries of dramatic changes to an adobe ranch house and its surroundings in suburban Long Beach to analyze the interaction between Spanish and Anglo culture in California.
• Castolon: A Meeting Place of Two Cultures (17)
Compare the Hispanic and Anglo influences on settlements along the Texas-Mexico border region of the Rio Grande. (National Park)
• Digging into the Colonial Past: Archeology and the 16th-Century Spanish Settlements at Charlesfort-Santa Elena (155)
Discover the site of a 16th-century Spanish town that was founded before Roanoke, Jamestown, and Plymouth, and learn how archeology uncovered the story of Santa Elena. (National Historic Landmark)
• Forts of Old San Juan: Guardians of the Caribbean (60)
Discover how Spanish fortifications on the island of Puerto Rico helped protect Spain's expanding interests in the New World. (National Park/National Historic Landmark/UNESCO World Heritage Site)
• La versión en español Los Castillos del Viejo San Juan: Guardianes del Caribe
Descubre cómo las fortificaciones españolas en la isla de Puerto Rico contribuyeron a proteger los cada vez mayores intereses de España en el Nuevo Mundo.
• Frederica: An 18th Century Planned Community (31)
Discover why this British settlement was built and how it functioned as Great Britain and Spain each struggled to control land from Charleston to St. Augustine. (National Park)
• Gran Quivira: A Blending of Cultures in a Pueblo Indian Village (66)
Examine the changing lifeways of the inhabitants of this village from the 7th century to the arrival of the Spanish in the early 17th century. (National Park)
• The Hispano Ranchos of Northern New Mexico: Continuity and Change (96)
Understand the ways in which ranchos in northern New Mexico provide evidence of the ability of Hispano culture to adapt to new influences while still maintaining its traditional character.
• San Antonio Missions: Spanish Influence in Texas (2)
Explore a group of 18th-century missions in modern San Antonio to learn about Spanish colonization, their influence on native peoples, and the patterns of Texas culture. (National Park/National Historic Landmark)
• The Spanish Treasure Fleets of 1715 and 1733: Disasters Strike at Sea (129)
Learn how Spain established a New World empire based on collecting precious metals and goods from the Americas.
• La versión en español Las flotas españolas de 1715 y 1733: Desastres en el mar
• The Vieux Carré: A Creole Neighborhood in New Orleans (20)
Examine New Orleans's distinctive French Quarter, a vibrant reflection of its French, Spanish, and American heritage, and recall the city's role in American westward expansion. (National Park/National Historic Landmark)
• Ybor City: Cigar Capital of the World (51)
Discover how immigrant cigar makers in this section of Tampa, Florida, adapted to life in the U.S. in the late 19th and early 20th century while maintaining their ethnic identity. Also explore their involvement in the Spanish-American War. (National Historic Landmark)
visit the National Register of Historic Places feature.
To learn more about TwHP's other lessons, visit the Lesson Plan Descriptions page.


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Single Stack Bracelet
Which charm defines you?
Fearless: You are brave and ready to take on the world. You take chances and have no regrets.
Girlboss: see it, want it, and achieve it. You are an unstoppable force and can achieve anything you set your mind to.
Independent: You are your own woman. You love yourself and follow your dreams.
Confident: You are self-assured and know how strong you are. Your head is held high no matter what comes your way.
Momboss: You are the one who holds it all together. Admired and relied upon by your children. A real life superhero.
Fierce: A fierce woman stands her ground when the going gets tough. She is not afraid to take risks in order to better herself, and the world around her.
Hand-weaved with genuine pink leather.
Steel base, 24kt Gold Plated or Sterling Silver Plated
Each bracelet has 3 jump ring closures to fit all sizes ranging smallest 6.75" - 7.40".
Made in the fabulous USA!