text:
More than any other American sport, baseball has an established historical footprint, and among its significant early events is the fixing of the 1919 World Series by gamblers and the Chicago White Sox, a team forever labeled the Black Sox. It is the only recognized gambling scandal to tarnish a World Series.
In recent weeks, however, there has been new scrutiny of the previous year's championship and questions about the legitimacy of the outcome: the Boston Red Sox defeated the Chicago Cubs. And on Friday, the Cubs visit Fenway Park in Boston for the first time since the final game of the 1918 World Series.
Are the Cubs returning to the scene of a hidden baseball crime?
No documented proof exists, but there are suspicions, largely because the conditions were ripe for a bribe, as they were in 1919.
"It seems more likely that there would have been a fix than there would not have been," the author John Thorn, the official historian for Major League Baseball, said of the 1918 Series. "It would be surprising if it didn't come up. At that time, the connection between baseball players and gamblers was that strong."
If this were a mystery novel, the smoking gun would be a court deposition displayed in April at the Chicago History Museum from Eddie Cicotte, the first of the Black Sox to confess. In the 1920 deposition, Cicotte said matter-of-factly that his 1919 teammates talked about how one or several Cubs were offered $10,000 to fix the 1918 Series.
Aware of the deposition months before the exhibit, the author Sean Deveney began examining the 1918 Cubs and last year, his book, "The Original Curse," suggested that several misplays and mental lapses during the World Series pointed to a fix. The book also highlighted the sequence of events that could have induced players to want to make a different kind of score. World War I's ruinous effect on baseball's economy had cut the players' pay in half, the 1919 season had been unofficially canceled, and most players expected to be drafted when the Series ended.
Why not take a last chance at a big payday?
It does not add up to evidence of a fix, but it has opened wounds and stirred ghosts, especially because being a Cubs fan means knowing your team last won a World Series in 1908. The 1918 World Series is also a source of pride to Red Sox fans; that Babe Ruth-led team was the franchise's last championship until 2004.
And in Chicago, the city's centuries-old baseball rivalry has a new issue for debate.
"White Sox fans are happy to have someone else in the rowboat with them," said Peter Alter, archivist for the Chicago History Museum.
Baseball researchers have few verifiable clues to follow when it comes to the 1918 World Series because all the principals are dead and sportswriters of that era rarely wrote about off-the-field matters. In the deposition, Cicotte said the conversation about the Cubs occurred while the White Sox were riding a train east. He concluded his remarks by saying, "Somebody made a crack about getting money if we got into the Series."
Cicotte said little more, and investigators, intent on keeping the focus on 1919, never pursued the lead. But gamblers and players mingled freely throughout baseball's early years, staying in the same hotels and frequenting the same bars, restaurants and pool halls. The athletes were middle-class wage earners in those days and had much in common with the gambling set.
Gamblers taking bets — bookies in today's parlance — wandered baseball's grandstands before and during games.
Thorn, who has been researching baseball's past for decades, wrote in his recent book, "Baseball in the Garden of Eden," that the sport's first gambling scandal occurred in 1865. A player in the first World Series in 1903 was offered a $10,000 bribe. (He refused.) There was also talk that the 1914 and 1917 World Series had been fixed.
"With racetracks closed because of wartime restrictions, gambling in baseball spiked because the dollars had to go somewhere," Thorn said.
War and Anxiety
The shaky monetary underpinnings of baseball in 1918 created a climate of uncertainty about the game's future. The war and a staggering world economy devastated a business like baseball that relied on fans' spending their disposable income at the ballpark. Attendance was down because so many top players had been drafted. The 1918 regular season ended early, Sept. 1, and many thought professional baseball would disappear for several seasons once the Series concluded.
The Brooklyn Dodgers had agreed to lease Ebbets Field in 1919 to the government as a storage facility.
The first three games of the 1918 Series were played at the White Sox home, Comiskey Park, because it had more seats than the Cubs' home field. The extra seats were not needed; the first three games, of which Boston won two, averaged about 22,000 fans.
On the train to Boston for the final games — the teams rode together — the players added the gate receipts and calculated their shares, which figured to be about $1,100 for the winners and about $600 for the losers. That was roughly half the money they expected.
"From the beginning of Game 4, things started to look funny, or wrong, on the field," Deveney said. "The first three games had been tight and well-played. The next three games had all these strange blunders."
The outcome of the Series hinged in some ways on the play of two opposing players, one famous (Ruth) and one not (Max Flack).
Ruth won two games as a pitcher and drove in two pivotal runs. Flack, the Cubs' leadoff hitter, made his presence known in the first at-bat of Game 4 when he lined a single off Ruth. But with one out, Flack wandered off first base and was picked off by the Red Sox catcher
In the third inning, Flack reached first on a force and moved to second on a fielder's choice. Ruth, seeing Flack far from the base, wheeled and threw from the mound, and Flack was picked off again. Flack is the only player in the history of the World Series to be picked off twice in one game.
In the fourth inning with two Red Sox on base, Cubs pitcher Lefty Tyler had a 3-2 count on Ruth, who had emerged as a dominant hitter. Tyler noticed that Flack was playing shallow in right field.
"Tyler waved him back," The Chicago Herald-American wrote of the sequence. "Flack did not pay attention to the command. Once again, Tyler motioned him, but Max was obstinate."
Ruth smacked a triple over Flack's head, and both runners scored.
The Cubs tied the score in the top of the eighth. But in the bottom of the inning, Cubs reliever Phil Douglas fielded a sacrifice bunt and threw wildly into right field allowing a runner to score the eventual winning run from second base. In 1922, as a star pitcher for the New York Giants, Douglas was barred from baseball for life after he wrote a letter to a St. Louis Cardinals player suggesting he would retire and leave the team if paid to do so. The Cardinals and the Giants were in a tight August pennant race.
Tension Over Money
Before 1918's Game 5, the players refused to leave their Fenway Park locker rooms in a protest over their diminished World Series pay. (Attendance in Boston was no better than in Chicago.) Promised a meeting with team owners, the players took the field after a one-hour delay. The Cubs won, 3-0, behind pitcher Hippo Vaughn.
The players' meeting with ownership was fruitless and only 15,238 fans — less than half of capacity — showed up for the final professional baseball game of the year. Charlie Pick got the first Cubs hit off Boston starter Carl Mays with two outs in the second inning, and was picked off first base before Mays threw another pitch.
Flack, who had five hits and four walks in the six Series games, dropped a routine two-out drive to right field in the fourth inning; his error allowed both Boston runs to score in the clinching 2-1 victory.
No celebration took place on the field.
"Taps for professional baseball for the duration of the war sounded at Fenway Park today," The Chicago Tribune wrote.
Unexpectedly, the war ended Nov. 11, and baseball returned the next April.
Deveney said, "If you look at the various factors, not the least being that the likely next stop for the players was the front lines of France's Western Front, you can see how even honest men might have been driven to cheat."
'Where's the Proof?'
Other baseball historians are hardly convinced.
"There isn't anything inherently suspicious to me," said Bill Lamb, an 18-year member of the Society for American Baseball Research, who is on the Black Sox scandal research committee. "You're telling me the right fielder threw the Series? Seems to me you would want the pitcher or the catcher instead."
Lamb, who spent 33 years as a prosecutor in New Jersey, added: "I am aware people do bad things, but just because something is conceivable doesn't make it so. Where's the proof?"
In Boston, the Red Sox historian Bill Nowlin said fans would be chagrined to hear that the team's last 20th-century championship was tainted.
"But as a lifelong Red Sox fan, I'm not feeling too defensive about it." Nowlin said. "Besides, most Red Sox fans are closet Cubs fans because of the identification with their long drought without a title.
"This would only add a little twist to it."


text:
A worldwide network of free, volunteer-led coding clubs for children aged 9-13
A volunteer A venue Code Club projects Children
Over 13,000 Code Clubs have opened around the world and we have local partners in 12 countries.
There are official Code Club communities in 12 countries. Find yours:
- Afghanistan
- Åland Islands
- Albania
- Algeria
It looks like you're in :
(Not in ? Change country)
160 Countries
From Brazil, to Bangladesh, there are Code Clubs in 160 countries across the world
13,000 Clubs
There is a network of over 13,000 registered Code Clubs around the world
195,000 children
Over 195,000 children around the world have learnt to code in a Code Club

subset: commoncrawl


text:
Please select your role to customize your TCW.com experience
Recent agency MBS excess performance slowed considerably in October, as cross winds
and a changing market landscape left returns flat on the month. The nearly yearlong
trend of falling interest rates abruptly reversed in October. The 10yr U.S. Treasury rate
went from 1.60% to 1.84% during the month, bringing yields back to levels not seen
since June of this year. While this development was positive for agency MBS investors
leery of elevated prepayment risk brought about by low mortgage rates, the nature of
the sell-off kept performance in check. Notably, the U.S. Treasury curve steepened,
which dampened the carry profile of agency MBS relative to benchmark Treasuries.
The result was nominal spread tightening but total returns that were not as strong as
one might anticipate. A second tailwind that continued to aid the agency MBS basis in
October was volatility falling further from already depressed levels seen in September.
The positive effects of the low volatility buoyed agency MBS valuations; however, the
positive effects were negated somewhat by higher than expected prepayments and a
shifting market landscape. Most notably, global central banks led by Japan expressed
a willingness to allow their yield curves to steepen, giving investors around the
world the ability to find higher carry than what was available merely a month ago. In
addition, despite mixed monthly economic data, there were some signs of life in the
U.S. economy in October. GDP came in at 2.9% for the third quarter and home prices
continue to appreciate, reducing the possibility of a recession near term and leaving the
Fed on pace to raise interest rates one more time in 2016. In aggregate, the Barclays
MBS Index posted excess returns of just 2 basis points (bps) in October, bringing year
to date excess returns to positive 32bps, and marking the fourth consecutive month of
agency MBS outperformance.
Despite the overall meager returns for agency MBS investors in October, the first month
of the fourth quarter saw fairly variable returns throughout the coupon stack. The main
outperformer was high coupon MBS. Fannie Mae 30yr (FNCL) 3% coupons returned
-14bps, while FNCL 4 finished down just 1bp. Part of the better excess returns in higher
coupons were their relatively shorter durations as compared to lower coupon MBS. The
weaker returns in conventional collateral were offset by a very good month in GNMA
MBS. The G2/FN 3.5 swap appreciated 7+ ticks on the month, closing at 29 ticks.
The strong month was fairly typical for a rising interest rate environment, and allowed
GNMA collateral to be the best performer in October. In aggregate GNMA 3s finished
up 3bps, while GNMA 4s outperformed benchmark treasuries by 25bps. High coupons,
those 4.5 and above, continue to do well for both conventional and GNMA collateral.
The higher coupons in older vintage loans are subject to significant prepayment
burnout among borrowers. That has allowed the collateral to perform well despite
serially low interest rates. TBA rolls have not performed well the last six plus months,
as technical conditions and Federal Reserve sponsorship that bolstered roll levels has dissipated. That trend was once again evident in October, as roll levels fell slightly during the month of October. Ultimately, a more dynamic coupon stack made agency MBS performance slightly more volatile than in September, in spite of overall returns close to that of benchmark Treasuries.
The prepay report for September was released at the beginning of the month, and speeds surprised the market by not slowing nearly as much as many expected. Aggregate prepayment speeds came in down 6%, bringing overall prepayments to 20CPR for FNCL collateral. The vote by UK voters to leave the European Union and the resulting interest rates at levels near all-time lows created a prepayment wave that peaked in August. Expectations were for the September report to decline 15% due to a lower day count and reduced seasonal factors. The decline of just 6% meant that after adjusting for the fewer business days in September, prepayments were in fact slightly higher in September than in August on a rate basis. This development was concerning to many investors who believed prepayment risk was somewhat contained despite persistent low rates seen during the summer. The declines were most pronounced in lower coupons, with FNCL 3s dropping 13% overall to 12.5CPR. The rest of the coupon stack was mostly in line, with FNCL 3.5s down 4% and FNCL 4s down 2%. Recent vintages remain among the fastest paying cohorts in the coupon stack, with 2014 remaining the fastest vintage. The last two months of the year should provide more clarity as to whether prepayments can continue at their elevated pace or if September speeds were the outlier to the expected trend.
The regulatory news was rather sparse with the Presidential election looming just ahead, however, there was one minor development of note for agency MBS investors. One of the longer term trends in the agency MBS market has been the rise in non-bank originators. Major banks have ceded market share to smaller specialized competitors over time. A few of these non-bank servicers have very high prepayment speeds due to their tendency to allow their customers to refinance more quickly than their major bank competitors. This has been particularly magnified in new issue G2 4.5 multi-issuer pools, which have seen very fast speeds due to servicers submitting loans to the pools and then immediately refinancing them, causing them to prepay at a torrid pace. The issue has crept down the G2 coupon stack as well; so to combat the issue, Ginnie Mae announced that beginning in February, originators must ensure that borrowers have made six months of consecutive payments on their last loan before they can refinance into a new G2 multi-issuer pool. This adjustment should cause these pools to have slower speed ramps in 2017 by closing the loophole that was hindering valuations on G2 multi-issuer pools by ratcheting up prepayments. While a minor change, the policy shift should give investors more clarity on prepayments in this subset of the agency MBS universe.


text:
PD Photo: Icebergs at Sydkap in Scoresby Sund, East Greenland, photo taken in July, 1970.
Scoresby Sund is the longest fjord in the world, stretching for 350 km (220 miles) and also one of the deepest, over 1,500 meters or 4,900 feet deep. It is located in eastern Greenland opening into Greenland Sea. Milne Land is a large island located in the center of the fjord. Ittoqqortoormiit, with a population of 469 as of 2010, is the only permanent settlement in the region near the mouth of the fjord.


text:
Posts Tagged it's the end of the world as we know it and this song is now stuck in your head
Heroic Musings: Six One Way…
Posted by Amber Teasdale in Stuff and Things on January 12, 2011
I have, so far, been okay with the "5 man raids for blues" as Josh puts it. Sure, they're harder to fit into my schedule, but sticking strictly with guild runs I've not run wanted to slit my wrists yet. Well, except that one time in Stonecore, but I try not to think about that.
Cranky Tank's experiences have been quite another matter, however, and he's quitting the game in displeasure again. What's the difference?
Group comp is again important. Every now and again I get terrible flashbacks to BC where I spent half an hour (or longer) in the LFG channel looking for a mage or hunter. Thankfully more classes have CC these days (frog! repentence!) but this doesn't change the fact that there still multiple classes without any CC at all.
It's not hard to be the victim of The Group Comp From Hell and suddenly have heroics go from a challenging hour to a three hour tour ending in alcoholic consolation (see: that time in Stonecore). And you know what, it sucks that if you are a frost DK and your buddies are a boomkin (whose "CC" is only slightly more effective than my ice cubes) and an arms warrior, you're probably going to get boned pretty hard in heroics while you're trying to get gear.
And you know what? I can see why that would suck. I know some people rail against making all classes the same, but which is worse: nerfing the heroics, or throwing more classes a CC-shaped bone so that you can get back to "bring the player not the class"? BTPNTC was not a bad idea. WoW is, for many people, a social game. I want to play it with my friends, even if they all decided to be melee for some damn reason. Harder is okay, impossible is not–and I have been in a 3 melee heroic and it was well-night impossible. It sucks that I can't run with that group of people becuase of the classes that we play.
I had the blessing of a larger guild with a variety of classes and Cranky Tank did not. I can't help but be a little bit upset that it seems to have ruined most of his fun and there's not a damned thing I can do about it. : \
Frost DK Gear: Pre Heroic & Pre-Raid
Posted by Amber Teasdale in Amber Tries To Be Helpful on December 13, 2010
This list is available over on EJ, but after they took it off the primary thread and gave me a heart attack, I decided to copy it over her for safe keeping. It is still on the old thread but it might be harder to find for everyone there.
[DW Pre-Heroic]
|[Helm of Easeful Death]
|1x Chaotic, 1x 40str
|Haste to Hit
|Justice Points
|[Gift of Nadun]
|Haste to Hit
|Ramkahen Exalted
|[Pauldrons of the High Requiem]
|1x 40str
|Justice Points
|[Skin of Stone]
|Crit to Expertise
|Stonecore BoE
|[Breastplate of Raging Fury]
|2x 40str
|Crit to Expertise
|Justice Points
|[Terborus's Rotating Bands]
|1x 40str
|Terborus; Deepholm
|[Reaping Gauntlets]
|1x 20str/hit
|Crit to Expertise
|Justice Points
|[Belt of the Ferocious Wolf]
|1x 20str/hit
|Crit to Expertise
|Hyjal Exalted
|[Greaves of Gallantry]
|2x 40str
|Haste to Expertise
|Justice Points
|[Waywatcher's Boots]
|1x 40str
|Haste to Expertise
|Hyjal Revered
|[Gorsik's Band of Shattering]
|Haste to Expertise
|Therazane Revered
|[Galrond's Band]
|Crit to Expertise
|Hyjal Honored
|[Darkmoon Card: Hurricane]
|BoE Craftable
|[Impatience of Youth]
|Baradin/Hellscream Exalted
|Main Hand
|[Dragonscorn Mace]
|Twilight Highlands Quest
|Off Hand
|[Sun Strike]
|Rajh; Halls
|[Notched Jawbone]
|1x 40str
|Hit to Crit
|Honor Points
Although you can get the pvp rep with the dailies, I remain rather leery of them. I'll try them soon and we'll see how it goes on a pvp server. If I can't even do my Therazane dailies unmolested (srsly guys, I just want to save Pebble, leave me alone)…
If you want to know what the 'pre-raid' list looks like as well, here you go:
[DW Pre-Raid]
|[Anomuran Helm]
|1x Chaotic, 1x 40str
|Crit to Exp
|Ghur'sha; H Throne
|[Gift of Nadun]
|Haste to Mastery
|Ramkahen Exalted
|[Pauldrons of the High Requiem]
|1x 40str
|Hit to Haste
|Justice Points
|[Skin of Stone]
|Crit to Expertise
|H Stonecore BoE
|[Elementium Deathplate]
|Crit to Expertise
|BoE Craftable
|[Alpha Bracers]
|1x 40str
|Anraphet; H Halls
|[Reaping Gauntlets]
|1x 20str/hit
|Crit to Expertise
|Justice Points
|[Belt of the Ferocious Wolf]
|1x 20str/hit
|Crit to Expertise
|Hyjal Exalted
|[Alpheus Legguards]
|2x 40str
|Crit to Mastery
|H Thrones BoE
|[Greaves of Wu the Elder]
|1x 40str
|Hit to Mastery
|Husam; H Lost City
|[Nova Band]
|Crit to Hit
|Isiset; H Halls
|[Skyshard Ring]
|Crit to Mastery
|Altarius; H Vortex
|[Darkmoon Card: Hurricane]
|BoE Craftable
|[Impatience of Youth]
|Baradin/Hellscream Exalted
|Main Hand
|[Cookie's Tenderizer]
|Hit to Expertise
|Cookie; H Deadmines
|Off Hand
|[Cookie's Tenderizer]
|Hit to Expertise
|Cookie; H Deadmines
|[Conch of Thundering Waves]
|1x 40str
|Hit to Mastery
|Ghur'sha; H Throne
I high reccomend the frost DPS thread over at EJ. Even though it sometimes gets mathy, it's answered pretty much all of my questions even for my pre-raiding needs.
Hyjal Highlights
Posted by Amber Teasdale in Stuff and Things on December 8, 2010
I would write a useful post but my brain is fried on benedryl, you don't want me thinking that hard. Or well, I don't know if I can think that hard. So, have some random (trying not to be spoilery?) comments on leveling in Hyjal.
So far, Hyjal isn't bad. The scene that plays out as you fly in is really cool–even Josh expressed some enjoyment of its awesomeness.
I love Draenei but I am jealous of human rep hax. Hrmph.
Watching laggy blood elves chase down rabbits is kind of funny. Sad, but funny.
Josh: Your threat is insane.
Me: AOE ICY DICKPUNCH and proc of OH HELLO TANKING!
Josh: >:|
I know the plural of deer is deer. But I'm going to squeal about the BABY DEERS anyway.
OMG BABY TURTLES. (Pst: you don't need the turtle companions to kill Nemesis, btw. Not in a pair with mostly epics, anyway. We lost ours and we were too lazy to go back and get them, but it only half healthed us.)
Fuck you horde camping Cinderwhoever. I may have been the only spawn I saw you being a dick at, but fuck you anyway.
I spent a lot of time getting hit by stray Captain America shields. I'm sure I clipped more than a few hordies with Howling Blast, though when guards were around I tried REALLY REALLY HARD. I also ended up with no few hunter and warlock pets attacking me after I clipped them with something. Oops. For the most part though, people were leaving each other alone.
Mining nodes are serious business. If you beat me to it, cool. If you beat me to it but then aggro something, MINE. Beat me to it and you're horde? MINE. Or I'm dead, one or the other. We snagged nodes from under the noses of everyone from guildies (poor Solt) to blog readers that I belatedly recognized (O HAI). Not nessicarily on purpose, mind (I'd have let Solt have the one if I'd only seen it was him and well…if it hadn't been Zoja's turn) but those yellow dots on our maps cause some sort of mindless frenzy. MINE MINE MINE MINE.
We found a mining spot that seemed good but I can't remember the name of it. Doesn't that suck for you?
Also I don't care how awkward getting around was THE JOUSTING QUEST WAS AWESOME. You know why it was awesome?
/faceplants in a benedryl haze
The World Really Is Ending
Posted by Amber Teasdale in Stuff and Things on December 7, 2010
I had a conversation with Josh on the way home where he confessed that for one brief, sliver of a second, he considered resubbing. Steve has been talking a lot of about WoW lately at work, I guess.
He spent the rest of the trip bitching about WoW and what he hated about it (other people, mostly) and telling me that he'd never resub ever oh my god no fuck that noise.
At some point last night while I was doing laps of Sholozar trying to get my mining up to Cata-ready levels (fuck you Engineering), he asked me a few questions about JP and how stuff worked now. I answered distractedly…
…and then I turned around and saw him logged in game.
We are no longer the tank/healer powerhouse, but damn, it's good to have my cranky bastard tank back. It was also hilarious to listen to him run around and WTF at all the changes when he's been gone a solid 8 months.
But now we're going to compete over mining nodes. Ffffffffffffffffuuuuu–
Baby Rogues and Awesome People
Posted by Amber Teasdale in Stuff and Things on November 30, 2010
I rolled a gnome priest. She was so cute I rolled her again on another (RP) server. Then I rolled a human hunter. Then a gnome rogue. Then a human rogue. I'm indecisive, have too many servers I want to play on, and love rolling characters.
So far it's the human rogue that I'm leveling, if by leveling you mean get to level 8. I'm terrible at rogues because I'm pretty sure I've managed to die at least as many times as I've dinged. Cata or not, I'm still reminded of why I quit rogues the FIRST time, 5 years ago!
I might turn the gnome rogue into a PvP twink just for lulz. That and then I wouldn't have to level her much. Duh. >.>
In other news, I have to say that the WoW community is hilariously awesome. There's a bunch of us–some bloggers, some not–who have formed a surprisingly tight knit Twitter community. Think what you will of Twitter, our little corner of it is…unique. When the Lil Ragnaros and Baby Moonkin pets were put into the shop yesterday Twitter exploded–both with people squeeing with glee, and with a few sad laments of how some people didn't have the money to spare right then.
Now Cranky Tank and I extremely lucky these days, and having been kindly gifted with some money lately, I wanted to pass along some cheer by gifting one of the pets to someone.
…the problem is that I keep getting beaten to it. Everytime I go "oh oh that person, I'll get them one!" SOMEONE ELSE DOES IT FIRST.
I'm sitting here giggling because my niceness is being thwarted by other people being entirely too nice faster than I can manage.
It's easy to forget all about asshats today.
Still have a baby moonkin looking for a home, too! ;)
PSA: Deer Will Eat You
Posted by Amber Teasdale in Stuff and Things on November 24, 2010
Dear Night Elf Mages,
Your local deer are no longer cuddly critters. If you attack one, they will turn around and eat your face.
the DK who has been reading about this rough discovery all over Twitter and LJdom today


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Tips and Tricks
BlackBerry Tip: How to Avoid a "Bricked" or "Nuked" BlackBerry
CIO.com's Al Sacco offers advice on one way to help ensure you never find yourself with a BlackBerry that's stuck in an endless reboot cycle or frozen on a BlackBerry error screen.
BlackBerry PlayBook Tips for All RIM Tablet Users
Got yourself a shiny new BlackBerry PlayBook? Learn how to get more done in less time, boost tablet security, manage applications and more, using these seven easy PlayBook tips and tricks, courtesy of CIO.com's Al Sacco.
BlackBerry PlayBook Security Tips: How to Protect Your Tablet
Boost your BlackBerry PlayBook tablet security and protect your personal privacy with these simple tips and tricks, from CIO.com's mobile maestro Al Sacco.
BlackBerry PlayBook Battery Tips: How to Make Your Tablet Last Longer
A recent BlackBerry PlayBook OS update has weakened overall tablet battery life for many RIM PlayBook owners. Here are six quick and easy PlayBook battery tips and tricks to help counteract the update's negative effects and boost your tablet's battery life.
BlackBerry PlayBook Video Chat Behind the Firewall: Ports and Port Forwarding
Research In Motion (RIM) has posted information for IT admins to help ensure BlackBerry PlayBook tablet Video Chat functions properly via firewall-protected corporate networks.
The 10 Best BlackBerry Shortcuts
CIO.com's BlackBerry black belt Al Sacco shares his 10 favorite and most frequently used BlackBerry keyboard shortcuts, tips and tricks.
Best BlackBerry Battery-Saving Tips: Master Class
The longer your smartphone lasts on a single charge, the better, right? CIO.com's mobile expert Al Sacco details the techniques power users swear by to boost BlackBerry longevity.
BlackBerry Quick Tip: How to Customize Speed Dial in BlackBerry 6 OS
CIO.com's mobile watcher Al Sacco explains how to create custom speed-dial lists using RIM's BlackBerry OS 6, so BlackBerry smartphone users need only press and hold one key to call important contacts.
BlackBerry How-To: Customize "In-Holster" Call, Alert Settings
CIO.com's mobile master Al Sacco explains how to change and set custom BlackBerry notification- and alert-settings for RIM smartphones when used along with compatible holsters, cases and pockets.
BlackBerry How-To: Downgrade the OS on Your RIM Smartphone
CIO.com's Al Sacco offers up this step-by-step tutorial on how to "downgrade" or return to an older version of the OS software on a BlackBerry smartphone.
BlackBerry 6 Security: How to Wipe Your RIM Smartphone, Restore Factory Settings
CIO.com's BlackBerry black belt Al Sacco details the process to security wipe a BlackBerry smartphone running RIM's latest mobile OS, BlackBerry 6.
BlackBerry Messenger Quick Tips: Mastering BBM Basics
RIM's BlackBerry-specific mobile IM service, BlackBerry Messenger (BBM), is an easy and effective way to keep in touch with other RIM smartphone users. CIO.com's BlackBerry beat-reporter Al Sacco shares tips on getting the most from BBM.
BlackBerry Tip: Add "Slang" to Dictionary to Reduce Unwanted Spell-Check Corrections
Al Sacco explains how to add slang, proper names or misspelled words to your BlackBerry's custom dictionary so they're not flagged during spell-checks.
BlackBerry How To: Tether Your PC to the Internet via Smartphone
Get Internet connectivity via PC anywhere using your BlackBerry. CIO.com's BlackBerry black belt Al Sacco explains how to "tether" a Windows PC to the Internet using your RIM smartphone's wireless network connection.
BlackBerry Quick Tip: How to Transfer Files via Bluetooth in OS 5.0
CIO.com's BlackBerry beat-reporter Al Sacco details the process for transferring media and other files wirelessly via Bluetooth between BlackBerry smartphones running OS 5.0.
BlackBerry App Management Best Practices
CIO.com's BlackBerry black belt Al Sacco shares tips and tricks on how to get the most from BlackBerry applications, while at the same time ensuring those apps don't negatively affect your smartphone's performance.
BlackBerry Messenger (BBM) Best Practices: Six Tips
CIO.com's Al Sacco shares tips on how to get more from RIM's BlackBerry Messenger (BBM) mobile IM app, avoid common pitfalls and keep your device protected from related security threats.
More BlackBerry Battery Tips: Seven Ways to Make Your Smartphone Last Longer
BlackBerry devices used to be renowned for their impressively long battery lives. But with all the features and functionalities packed into modern RIM smartphones during the past couple of years, some of that battery longevity has vanished. CIO.com's Al Sacco offers up seven advanced tips that he regularly employs to ensure his BlackBerry keeps on ticking...and ticking and ticking.
BlackBerry Security Basics: Five Tips to Keep Your Smartphone Safe
BlackBerry smartphones are known for security, but if you don't know the common gotchas, your new or "unsecured" BlackBerry device could be a disaster waiting to happen. CIO.com's "CrackBerry" addict Al Sacco offers five BlackBerry security tips to fix your smartphone security holes and reduce unnecessary risk.
BlackBerry Tip: How to Separate BIS and BES E-Mail
CIO.com's BlackBerry watcher Al Sacco details two different ways to create separate e-mail inboxes for personal (BIS) and corporate (BES) mail in BlackBerry OS 5.0.
BlackBerry How-To: Using E-Mail Message Flags in BlackBerry OS 5.0
A new feature within RIM's recently released BlackBerry handheld OS 5.0 lets BlackBerry users "flag" e-mail messages for follow-up, set custom reminders, assign different color flags to specific messages and edit detailed flag properties. Here's how to effectively use the new BlackBerry e-mail flags.
BlackBerry Quick Tip: How to Archive, Organize App World Software
BlackBerry smartphone users can free up valuable software storage space by "archiving" App World mobile applications they don't use frequently on external memory cards for easy future access. Here's how to archive those apps, as well as how to keep such apps in order.
"Top 10" BlackBerry Troubleshooting Tips & Tricks from RIM
BlackBerry-maker Research In Motion (RIM) offers up ten smartphone troubleshooting tips and tricks for CrackBerry addicts of all ilk.
How to Unlock Your BlackBerry for U.S., Int'l GSM
Got a shiny new BlackBerry? Want to use it on another carrier in the United States? Or a GSM carrier overseas? No worries. Here are two methods for unlocking your BlackBerry--one of which is completely free, though it's not guaranteed to work for everyone.
BlackBerry FAQ Answered: Why is Software in Applications List in BOLD Text?
CIO.com's Al Sacco explains why certain apps within BlackBerry users' Applications lists are bolded, while others appear in normal, non-bold lettering.
BlackBerry Tips: Using Folders to Unclutter Your RIM Smartphone
Research In Motion's (RIM) latest slogan is "Life on BlackBerry." And rightly so; BlackBerry owners turn to the devices to store more and more data and applications for life inside the corporate walls and out. Here's how to use BlackBerry folders to organize and manage all that clutter.
BlackBerry Browser Shortcuts: Killer Keyboard Tips & Tricks
Boost your BlackBerry Web browsing experience with these can't-miss keyboard shortcuts, for newbies and power-users alike.
Best BlackBerry Shortcuts: Aflac's Mobile Guru Shares Tips
Aflac's BlackBerry guru shares power tips and tricks for your RIM smartphone. Here's how to improve your typing, messaging, browsing, attachment handling and more.
Five Essential RIM BlackBerry Keyboard Tips and Tricks
Add another notch to your Research In Motion BlackBerry black belt with these great smartphone keyboard tips and tricks.
Advanced Keyboard Shortcuts for Power Users
Always looking for new ways to do more with your RIM BlackBerry? Learn the following tips and tricks, including two from the co-CEO of RIM himself, and take your smartphone prowess to a whole new level.
BlackBerry Storm Shortcuts: 20 Touch Screen Tips and Tricks
The new BlackBerry Storm smartphone is packing a brand new version of RIM's handheld OS, v4.7, and with that OS comes a whole new set of shortcuts. These 20 tips and tricks will help you get the most out of your shiny, new Storm--and its SurePress touch screen.
More Advanced BlackBerry Keyboard Tips and Tricks for Power Users
Think you know all the typing, messaging, browser and navigation shortcuts for your BlackBerry smartphone? Don't be so sure. We've got new valuable tips and tricks in our most recent list of BlackBerry shortcuts for advanced users.
BlackBerry GPS Navigation Tips: Mastering BlackBerry & TeleNav Navigator
TeleNav Navigator gives BlackBerry and other smartphone owners instant access to a slew of valuable features, including audible driving directions with real-time traffic alerts, various maps and mapping services and local search. Here's how to get even more from one of the best BlackBerry navigation applications on the scene.
BlackBerry How To: Change E-Mail Signatures (BIS & BES)
BlackBerry e-mail auto-signatures let you save time on typing and reduce unnecessary strain on BlackBerry thumbs, as well as proactively apologize for possible typos. Follow these simple steps to create, modify or erase BlackBerry e-mail signatures--for both personal, or BlackBerry Internet Service (BIS), and corporate, or BlackBerry Enterprise Server (BES), accounts.
BlackBerry Tips & Tricks: Boost Your BlackBerry Digital Camera Experience
The latest edition of Research In Motion's (RIM) BlackBerry Connection newsletter went out yesterday, and the mailing included more than a dozen tips and tricks on how to improve your BlackBerry-digital-camera know-how. Most of the suggestions are fairly basic, but they're worth a look--especially if you frequently employ your smartphone to snap pictures. I've also got a couple of related tips of my own that you won't find in any RIM newsletter. Keep reading for specifics.
BlackBerry Tip: Delete Carrier Crapware, Icons (We're Looking at You, AT&T)
Did your wireless carrier push out a handful of unwanted apps and games to your BlackBerry? No worries. Delete or hide those dastardly downloads with these simple steps.
BlackBerry Bold Tip: Fix AT&T Cellular Video Glitches
Since the first time I fired up the AT&T Cellular Video application on my BlackBerry Bold 9000, I've experienced maddening variation in streaming video quality due to the device's tendency to switch back and forth between 3G and 2.5G EDGE while Cellular Video is in use--even with full 3G network coverage. The service usually works great over 3G, but it's a choppy nightmare over the slower EDGE cellular connection. Luckily, I found a quick workaround that helps ensure my Cellular Video experience is as smooth as possible.
BlackBerry How To: Back Up and Restore Handheld Data
Backing up the information on your BlackBerry regularly can be the difference between a minor headache--temporarily missing contacts--and a full-blown catastrophe--permanently deleted personal data. Follow these four simple steps and avoid the later scenario.
Five Tips: Get More Battery Life from Your RIM BlackBerry
Nothing lasts forever--especially your BlackBerry's battery. But you can prolong the life of your power supply. Follow these five tips to extend your RIM smartphone's run time.
How To Use BlackBerry Desktop Manager to Load, Update, or Remove Software
Unsure of how to load new applications on your BlackBerry using Research In Motion's (RIM) BlackBerry Desktop Manager software instead of over the air? Check out this step by step guide.
BlackBerry How To: Change Home Screen Images, Backgrounds
Customize your RIM BlackBerry smartphone in no time using unique home screen images. Follow these three simple steps to locate, download and change BlackBerry wallpapers.
BlackBerry How To: Set Custom Ringtones, Notification Profiles and Exceptions
Your BlackBerry lets you assign specific ringtones to individuals and even create your own phone profiles and exceptions so important calls can still ring through when the device is on vibrate. Here's how.
BlackBerry How To: Download and Install New Themes
Your Research In Motion (RIM) BlackBerry can be equipped with a plethora of "themes" that reflect how icons and data are presented on your home screen. Here's how to find the right themes for you, then download and install new options.
BlackBerry How To: Free Up Device Memory
Power users of BlackBerry smartphones need all the device memory they can get. These seven tips can help free up memory and keep your handheld running as smoothly as possible.
BlackBerry How To: Determine Memory Use, Avoid Performance Degradation
Load up too many apps without proactively managing your BlackBerry's memory and you could end up with an underperforming--or even worse, frozen--smartphone. Here's how to determine memory use, as well as total application space, and avoid trouble.


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"LAND A NEW JOB FASTER" Video Training Program
A faster and easier way to land a more meaningful and high-paying job…
I'm Sherri Thomas and I've been a career coach for the past 5 years, helping hundreds of professionals transition into more meaningful and higher paying jobs. My clients have had such overwhelming successes, that I decided to capture all of the best practices, key insights and lessons learned from my clients, as well as from my own personal journey into a new simple and easy video training program.
In my own career, I've been blessed to have had a really exciting career where I began as a morning show DJ at a radio station in California, and then reinvented myself into the television, finance and high tech industries. I've worked for three (3) Fortune 500 companies including my last job where I worked 10+ years with a 6-figure salary. I have also written an award-winning book named "Best Career Book" by the Indie Book Awards, been interviewed in the Wall Street Journal 12 times, TIME magazine, SmartMoney magazine 3 times, the New York Daily Post, and NBC-TV in Phoenix more than 20 times.
Although I've had an incredibly thrilling journey, earlier in my career I had a few setbacks. I was laid off three times. Once because the company sold, once because the company down-sized and once because I accepted a position where I was expected to do the jobs of two Sr. managers who had just quit the company. Those experiences taught me that I needed to learn how to to take control of my own career. Through trial and error, I began systematically figuring out what it took to reinvent myself into different industries and job roles, how to strategically network to get job leads, referrals and recommendations, how to write my resume to stand out from the crowd of job candidates, and most of all, how to set myself up for success in a brand new job.
As a leading career coach for the past 5 years, I've been sharing these exact same success strategies with other professionals who came to me for help in landing more meaningful, and higher paying jobs. Through our one-on-one personal coaching sessions, I've witnessed first-hand hundreds of my clients successfully changing into new companies, industries and job roles.
And now, I've captured all of those exact same success strategies in an exclusive "Land a Job Faster" video training program. In this special program, I walk through step-by-step how my clients, myself and other professionals featured in my award winning book, "The Bounce Back" have bounced into more meaningful (and higher paying) jobs by following these powerful strategies and techniques –
- Video #1 Rebuilding A Positive Mindset. In this online 1-hour training video, I guide you through what I call the 3 "F's" – frustration, forgiveness and fear. The biggest factor in landing a new job is having positive energy and a positive, confident mindset. In this training video, I will teach you how to look back, glean lessons from your past, forgive others and move into a positive mindset so that you can attract the right people and opportunities. I'll also teach you how to gain clarity on the type of meaningful and purposeful work that you want and are meant to be doing. (After you click on the "add to cart" button and go through the registration process, you will be taken to a web page where you can click the link and immediately watch the online video to begin implementing the success strategies…)
- Video #2 Cracking the Code of Networking. Online 1-hour training video. Networking shouldn't be hard or intimidating – it should be easy! 85-percent of jobs today are going to those candidates who have a referral within the organization. That means networking is your most effective strategy for landing a new job. During this one-hour tutorial, I'll share with you all of my strategies and tactics on the "right way" to network, exactly what to say to your network and when to ask for help so that your in-box overflows with job leads, referrals and recommendations. (After you click on the "add to cart" button and go through the registration process, you will be taken to a web page where you can click the link and immediately watch the online video to begin implementing the success strategies…)
- Video #3 – The 3 Truths of Resumes. In this online 1-hour training video, I take you into a deep dive of my own personal resume! I'll share with you my special customizable 3-part resume template and teach you how to showcase the "right" key words, transferable skills and the best strategies for addressing any employment gaps. You'll also be able to see examples of my favorite resumes, and learn what you must include in your own resume to get more high-quality and higher paying job interviews. Yes, I am showing you all of the professionally designed and customizable tools and templates that I personally use, and that my clients use! (After you click on the "add to cart" button and go through the registration process, you will be taken to a web page where you can click the link and immediately watch the online video to begin implementing the success strategies…)
- Video #4 Acing your Job Interview. In this online 1-hour training video, I will share with you what your interviewer really wants to know about your weaknesses, unemployment gaps, strengths, successes and your job history. I will also teach you how to give the "right" answers to tough questions such as, "Tell me about yourself", "Why are you looking for a job", and "What is your biggest weakness?" You'll also learn my favorite tips to prepare for upcoming interviews, how to ask great questions, and what to say to close the interview so that you get more job offers. (After you click on the "add to cart" button and go through the registration process, you will be taken to a web page where you can click the link and immediately watch the online video to begin implementing the success strategies…)
- Video #5 Setting Yourself Up for Success. In this online 1-hour training video, I will give you the roadmap of what you need to do differently to bounce back and set yourself up for long-term success in your next career. I will show you how to build your credibility and influence inside a new organization, develop a strong, positive relationship with your new manager by aligning and exceeding expectations, flex your professional muscles and leading with your strengths. (After you click on the "add to cart" button and go through the registration process, you will be taken to a web page where you can click the link and immediately watch the online video to begin implementing the success strategies…)
- Power Pack of 2018 Career Resources. I've spent over a hundred hours scanning the internet to discover the newest, best and most effective career apps, website and resources. This is a 52 page ebook full of my favorite career tools that I created for my clients to save you time and energy of researching the web. I've also bundled together 3 of my most popular career e-books for a special low price of $59. This PDF download includes four (4) must-have resources to help you land a new job faster including –
- "Double your Job Offers by Working Smarter with Recruiters" Package – learn the best techniques on how to find, select, and partner with recruiters so that you can pass the phone screening interviews, and get selected for the best jobs! Includes articles and reference materials.
- "List of Favorites" Career apps, websites and resources to land your new job faster– No need to scan the internet for the best ways to find new job opportunities – I've done all the research for you and created a list of my favorite and most effective job search apps, websites and resources! A must-have cheat sheet of the hottest jobs, best companies and fastest growing industries. Includes 2018 hottest jobs and industries, highest paying companies and jobs, best 50 niche job boards, 10 best career websites, LinkedIn best practices and top professional and career assessments. Saves you hours and hours of time researching career websites and apps – everything you need is already compiled in this 52-page ebook.
- "INTERVIEWING SMART – Insider Secrets to Getting The Job" – I've personally written this 21-page e-book to give you the most effective and successful interviewing strategies to help you get the job including what your interviewer really wants to know about you, how to answer the toughest questions such as "What is your greatest weakness", "Tell me about yourself", and behavioral interviewing questions.
- THE SALARY COMPENSATION GUIDE – What's Your Best Salary?" How do you know if you're getting paid what you're worth in today's marketplace? How do you know if your paycheck, or salary offer, is at the low end of the scale? Learn how and where to get the answers.
(After you click the "add to cart" button you will be able taken to a web page where you can immediately download all four (4) resources in the Power Pack of 2018 Career Resources bundle and begin implementing the success strategies…)
The greatest value of The "Success Stories to Land a New Job Faster" program is that you're learning from others who have already successfully bounced back after a setback.
My personal guarantee: If you're not satisfied with my "Land a Job Faster" video training program, just let me know within 15 days of your purchase, and I'll give you a 100% refund. No reason needed. And that's my promise!
Don't have internet access?
Want all 5 videos delivered at your doorstep in a special 5-DVD bundled package?
No problem!
**BONUS OFFER: Right now, when you order the 5-DVD training series at my special low-cost price of $297 to deliver to your doorstep, I'll also include the printed version of my special edition Power Pack of 2016 Career Resources for FREE! -$59 value!
Verified Merchant on Secure SSL
The "Land a Job Faster" DVD training self study program with Bonus Reference Materials
After purchasing any of the resources on this web page, you will receive an email confirmation. If you have any questions or need any support with one of these products please feel free to send an email to my executive assistant: email@example.com
The greatest value of the "Land a Job Faster" program is that you're learning from others who have already successfully bounced back after a setback. ~Leading Career Coach Sherri Thomas
Frequently Asked Questions –
Which format should I choose? This special program is offered in two (2) formats including:
- Online version – simply select the videos and resources you want to add to your cart, and after you've gone through the payment process you'll immediately be taken to a special web page where you can watch the video(s). Additionally, you'll be sent an email with the link to the special web page so that you can keep it as reference and watch the video(s) as many times as you want!
- DVD version – If you prefer to have DVDs, then you'll want to choose this option and have the complete 5-DVD program delivered right to your door! -takes 3-7 days for delivery in the United States, and 4-10 business days to deliver outside the United States.
What happens after I make a purchase? You will immediately receive a confirmation e-mail (allow up to one hour if the server is slow – also, check your "junk" e-mail 🙂 ) and your order will be processed immediately (or the next business day.) You will also be assigned a customer support representative for any questions you may have. Support is provided 8:00am-5:00pm Monday through Friday.
How long does it take to receive it? The $59 online videos and resources will be sent to you immediately in an email with links to the videos and/or power pack of 2015 career resources. It may take up to one hour depending on your server (be sure to check your "junk" email just in case it lands there! ;)) If you purchase the DVD bundled program, it will be mailed to you at the address you provide on the next page. If you are in the United States it should arrive between 3-7 business days. If you are outside of the United States, it should arrive between 4-10 business days. Feel free to write to my executive assistant if you have any questions or need any support at firstname.lastname@example.com
What if you don't like the program: You can return the program within 15 days of your purchase for a complete 100% refund. Simply send an email to: firstname.lastname@example.com and return the complete DVD program to: Career Coaching 360, 4939 W. Ray Rd. Suite 4-105, Chandler, AZ 85226
SUCCESS DISCLAIMER All of my programs are intended to help you transition into a career that allows you to do meaningful, purposeful work for others who value and appreciate you. As stipulated by law, I cannot and do not make any guarantees about your ability to get results or earn any money with my ideas, information, tools or strategies. I don't know you and, your results are dependent on you. Agreed? 🙂 I just want to help you by giving great powerful direction, strategies and resources that helped me move forward in my career, and my clients move forward in their career.
Nothing on this page or any of my websites is a promise or guarantee of results, and I do not offer any legal, medical, tax or other professional advice. Any personal stories, suggestions or examples referenced here, or on any of my web pages, are simply estimates or projections, and should not be considered exact, actual or as a promise of potential success. -Anyway, all of the terms, privacy policies and disclaimers for this program and website can be accessed via the link below. (It's all the regular legal stuff but I feel strongly that transparency is important and I hold myself (and you) to a high standard of integrity.) To your success! 🙂
Disclaimers, Privacy Policy and Terms
Copyright © 2015-2018 Career Coaching 360, LLC. All Rights Reserved.


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I'm a simple man. I like my coffee black, I only need one pillow at night, and I live for sunlight to exist past 5:00pm. Daylight Saving Time is a bit of a holiday for me. I pull out the window air conditioner, put away my snow boots (well, not this year!), and dust off my casual summer shirts.
There's something about a pair jeans and rolled up sleeves on a hot summer night that makes me feel like I could have been President in the 1950s. It's silly, but they're the clothes I feel most comfortable wearing and seem to accomplish the most while doing so.
But why does this matter? Because starting today (ok now, haha) Savings.com is giving away a total of $10,000 worth of Macy's gift cards! They've got:
- 100 $50.00 gift cards
- 200 $25.00 gift cards
As a bonus, Savings.com has a 20% site-wide coupon and Macy's has a huge spring sale going on! If I win a gift card, that shirt above is so mine. What about y'all though? If you win a gift card, what are you picking up from Macy's?
The contest ends at 4:00pm PST on Monday, March 24. At that point, Savings.com will randomly select all 300 winners and email them, so please be sure to check whatever email address you use to sign up!
Disclosure: This is a sponsored post on behalf of Savings.com and Macy's. However all opinions and secret dreams to discover alien life are 100% my own.


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Obama ends young migrant deportations
US President Barack Obama has announced an immediate end to the deportation of illegal immigrants who came to the US as children, describing the move as "the right thing to do".
Those aged between 16 and 30 who have lived in the US for five years could now be eligible for work permits.
The move is seen as addressing a key Latino concern in an election year.
But Mr Obama's Republican opponent, Mitt Romney, said it was the wrong way to approach the problem.
Mr Romney said the issue should be dealt with by legislation, rather than an executive order "that can be reversed by subsequent presidents".
The plan, which goes into effect immediately, is expected to affect as many as 800,000 people.
Mr Obama and his Republican opponent Mitt Romney are courting Hispanic voters in key states ahead of November's election.
'Especially justified'
Speaking at the White House, Mr Obama said the initiative was "the right thing to do", adding that "it makes no sense to expel talented young people" from the US.
The president also said the measure had been announced in "the absence of any immigration action" from Congress and urged the passage of the Dream Act, a bill that aimed to establish a path towards US citizenship for young people who were brought to the US as minors.
"They are American in their hearts, in their minds, in every way but one: on paper," Mr Obama said.
He said the measure would improve the US economy, benefit its national security and was simply "the right thing to do. Period".
In an unusual turn of events, Mr Obama was interrupted by a questioner from the media during his announcement, an intervention which left the president visibly surprised.
Earlier on Friday Secretary of Homeland Security Janet Napolitano said deportation laws were not designed to be "blindly enforced without consideration given to the individual circumstances of each case".
"Discretion, which is used in so many other areas, is especially justified here," she added.
The policy change does not provide a path to permanent lawful status, or a path to citizenship, Ms Napolitano said, adding that it is not immunity or amnesty.
But, she added, many "productive young people" who would be eligible under the changes posed no threat to national security or public safety.
In order to be eligible under the new initiative, illegal immigrants must:
- have arrived in the US when they were under the age of 16
- have lived continuously in the US for at least five years
- be in school, or have graduated from high school or be honourably discharged veterans of the US military
- have no criminal record
- be under 30 years old.
If successful, applicants would receive a work permit for two years that can be renewed an unlimited number of times.
Mr Romney said Mr Obama's decision had complicated an issue that could only be dealt with through legislation.
"I believe the status of young people who come here through no fault of their own is an important matter to be considered and it should be solved on a long-term basis so they know what their future will be in this country," Mr Romney said.
"I think the action that the president took today makes it more difficult to reach that long-term solution," he added.
He did not say, however, whether he would reverse the decision if elected.
Latino rights groups in the US quickly hailed the decision, with the National Council of La Raza, the country's largest Hispanic organisation describing it as sensible, good news.


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You're surrounded by the Sugababes: come out with your hands up
Apparently waking up and thinking she's Nick Ross, Heid Range has called for the killer of Rhys Jones to come forward.
After all, if all you have to worry about is facing a possible trial as an adult, a life sentence, being used as the face of Evil England by the tabloids and getting battered as an example by Jack 'Big Stick' Straw - who actually has "the Orwellian-sounding Minister of Justice" printed on his business cards - why would you not want to make a Sugababe smile by coming forward.
Tomorrow, Mutya's going to go to Iraq and say "please, make it stop."


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Health Dialog and BUPA to Join Forces
Offering Clients Global Leadership in Care Management
BOSTON – December 18, 2007 – Health Dialog, a leader in the growing care management sector, announced today that BUPA, its largest shareholder, will purchase for cash the equity in the company it does not already own. BUPA is a global provider of healthcare services and the largest private health insurer in the United Kingdom. The transaction values Health Dialog at $775 million.
"Being a part of BUPA will permit us to accelerate our growth," said George Bennett, Chairman and CEO of Health Dialog. "There is increasing recognition that providing support to individuals during the time they are not in a physician's office or a hospital is critical to managing population health. BUPA is committed to expanding its leadership role in the rapidly evolving whole person/whole population care management industry. We think that makes BUPA an ideal partner for us as we pursue our mission in the US, and will help us expand our impact abroad."
BUPA was founded in 1947 in the UK. As a provident association, BUPA does not have shareholders and reinvests its surplus in health-related enterprises. It has grown globally to annual revenues in excess of $8 billion.
"Health Dialog will be a significant addition to our portfolio of companies," said Val Gooding, Chief Executive of BUPA. "The firm is a recognized leader in the growing field of care management and we are confident that its skill base, combined with ours, will make it possible for us to accelerate the growth of Health Dialog's business. Health Dialog has a long list of impressive clients and we expect the core focus to remain on these key US customers."
Health Dialog began operating in 1997 with BUPA as one of its first investors. The new relationship will strengthen Health Dialog's current client offerings and give BUPA more direct access to Health Dialog's content, analytics, and IT.
"BUPA has long been a supporter of informed patient choice through the development of a better understanding of shared decision-making and other approaches that bring patients and clinicians together in more effective partnerships," said Albert G. Mulley, MD, co-founder and Senior Medical Advisor for the Foundation for Informed Medical Decision Making, Health Dialog's not-for-profit partner. "This expanded partnership will bring new resources and energy to the mission of assuring that patients everywhere get the care they need and no less, and the care they want and no more."
Goldman Sachs acted as exclusive financial advisor to Health Dialog in connection with this transaction.
About Health Dialog
Health Dialog is a leading provider of care management services, including disease management, and is one of the fastest growing privately held firms in the U.S. The firm helps physician groups, health plans, and self-insured employers improve healthcare quality while reducing overall costs. The firm's services include analytic services and telephonic, online, and other care management support for individuals, payers, and physicians. Health Dialog focuses on helping individuals become more actively engaged in the management of their health and healthcare and on having more effective relationships with their physicians. For more information about Health Dialog, please visit their website www.healthdialog.com.
About BUPA
BUPA, headquartered in London, is a provider of private healthcare related services in the UK, and, through a variety of subsidiaries, is a provider of various healthcare services in other countries. BUPA's worldwide operations serve more than seven million customers. For more information about BUPA, please visit their website www.bupa.co.uk.
Please contact Trish Tarantino, Health Dialog at email@example.com or at 617-406-5200 with any questions.


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Planning Your Visit
Because the Chair Lab is located offsite, demonstrations are conducted by appointment only. Appointments can be made by filling out the Chair Lab Appointment Request Form. Once an appointment is scheduled and a budget is given, the Furnishing and Design Assistant will pick several chairs in your price range to be tested in the Chair Lab. A budget is imperative in the selection process, so we can show you a task chair within the appropriate price range. An average budget is $500, though there are chairs both more and less than $500. You should speak to the financial person in your department to determine an appropriate budget prior to your appointment.During the Chair Lab appointment, you will be shown several task chair options along with the chair adjustments.
Making Your Selection
After sitting in the chairs, you will make a determination on what chair you like best. Once the selection has been made, the Furnishing and Design Assistant will have Logistical Support deliver a sample chair to your office for no more than a week to ensure that you are satisfied with your choice.
Due to the high volume of Chair Lab requests, sample chairs can only be on loan for one week. You will keep your current chair until the new chair arrives. Furthermore, Furnishings and Design actively tracks where chairs are located, and Furnishings and Design must be notified immediately if the location of a sample chair changes. Departments are responsible for returning the chair in a reusable condition, and a lost or damaged chair will be charged to the responsible department.
Ordering and Delivery
Once the final chair selection has been made, the Furnishings and Design Department will obtain a written quote from the appropriate vendor. The quote will be emailed to you, and the quote should be passed on to your department's purchaser, who should contact the vendor directly to order the task chair via P-Card. Task chairs take four to eight weeks to be delivered.
For questions about appointments and directions to the Chair Lab, please email the Furnishings and Design Assistant at email@example.com.


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Nikon Capture NX2 2.4.1.Incl.Serial : 102.95 MB
Nikon Capture NX – easy to use new generation of software for processing and editing images. Through the use of technology exclusive U Point, the program includes a set of powerful tools and four fully customizable workspaces with the ability to save and switch between them to ensure fast and efficient workflow. With simple and intuitive operation interface, no need to concentrate on working with tone and color, allowing you to develop an image in accordance with the classical principles of focusing and the allocation of certain interest to the photographer of an image. This program can be used to manipulate images in JPEG and TIFF any source, it represents the best product for editing Nikon NEF.
Application has a powerful functional and a lot of opportunities. According to the developers of Nikon, photographers can now spend more time in the process of shooting and less processing. The application allows photographers, regardless of their experience, to quickly edit all the basic image parameters such as brightness, contrast, saturation, warmth, and more. Moreover, the operation can be carried out, as over the whole image, and above its individual elements, which eliminates the photographer from having to use complex selection or masking during processing. One of the main features of the program Capture NX2 is a unique technology of U Point, which allows operation with the image selectively.
Technology U Point, used in this program provides a discreet, intelligent support, expanding a comprehensive set of tools for image correction. U-Point technology provides easy selection of interest to the photographer of an image with an intuitive, easy adjustment of brightness, contrast and saturation, the function of effective suppression of unwanted red-eye and fine-tune the color balance. Simply click the area you need to edit and adjust the sliders for the opportunity to instantly see the effect of corrections made.
Open AS ADMINISTRATOR (using notepad) the file -> c: \ WINDOWS \ system32 \ drivers \ etc \ hosts
Add at the end the following lines:
127.0.0 sams.nikonimaging.com
0.0.0.0 sams.nikonimaging.com
Use any name and any company +Serial Included
Download Via RapidGator
Download Via NitroFlare


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They could all be twins for some of the ones at our house.ReplyDelete
The first picture should be captioned "You awake? Good! Noms?"ReplyDelete
I swear we have the baby to Fluffy! Her name is Alley. She looks almost identical to Fluffy! Half her face is the orange and other half is black, and then she is orange and black through out! Neato!!ReplyDelete


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The 30-year mortgage rate has risen 0.7% since the election from 3.5% to 4.2% and some are worried that further increases in mortgage rates could derail the housing sector in 2017. That is not going to happen. In our view mortgage rates will climb to 4.5% by the end of this year. If that is the case, housing will remain affordable.
Rising mortgage rates clearly make homes less affordable as monthly payments required to purchase a home rise accordingly. But that is not the only factor that determines housing affordability. Consumer income and home prices both play an important role. If income is rising the potential buyer is better able to afford the higher mortgage rate. Rapidly rising home prices negatively impact affordability.
The National Association of Realtors publishes a monthly index of housing affordability which incorporates all of these factors. In November this index was 166.2. What that means is that potential home buyers have 66.2% more income than is required to purchase a median-priced home. To put this in context, prior to the onset of the recession this index stood at 115.4.
It is easy to replicate this index in an effort to determine housing affordability at the end of this year. It requires estimates of mortgage rates, home prices, and consumer income.
Mortgage rates have risen 0.7% since the election from 3.5% to 4.2%. That eye-catching increase reflects policy changes likely to be implemented this year and their impact on GDP growth, inflation, and interest rates. Trump has indicated he will significantly cut both individual and corporate income tax rates. He wants to reduce dramatically the currently onerous regulatory burden. He wants to allow firms to re-patriate overseas earnings to the U.S. at a favorable 10% tax rate. Those expected changes have already boosted consumer and business confidence. The rise in business confidence is particularly noteworthy since it will entice firms to loosen their purse strings and invest in new technology and refurbish or expand plant capacity. Investment spending has not risen for three years. A pickup in such spending would be a welcome development which should boost GDP growth in 2017 and the years beyond.
Once he takes office Trump will soon discover that implementing such changes will be difficult. Not all Republicans agree on exactly how to accomplish those objectives and Democrats are certain to throw up obstacles. In the end, Republican control of the presidency and both houses of Congress should bring about meaningful policy changes, but probably to a lesser degree than anticipated at the moment. We believe GDP growth will quicken from 2.0% last year to 2.3% in 2017. The core inflation rate will climb from 2.2% in 2016 to 2.7% 2017. The Fed will raise the funds rate three times to 1.25%. These are moderate changes and may disappoint some who were hoping for a more dramatic growth pickup.
In our world mortgage rates will rise from 4.2% today to 4.5% by yearend as the Fed continues to gradually raise short-term interest rates. Such action will boost long-term interest rates but to a lesser degree.
Home prices have risen 4.3% in the past 12 months. Given a moderate pickup in the pace of economic activity and continuing shortage of homes available for sale we anticipate a 5% increase in home prices this year.
Finally, median family income has risen 4.3% in 2016. Given monthly increases in employment of roughly 170,000 per month and faster growth in wages, we anticipate that income will rise 5% in 2017.
If those projections are accurate the housing affordability index will decline from 166.2 currently to 152.0 by the end of this year. Potential home buyers will still have 52% more income than is required to purchase a median-priced home. The reason the index does not fall more quickly given moderate increases in mortgage rates and a gradual increase in home prices, is because consumer income is projected to rise almost as quickly. If the economy gathers some speed job gains should remain solid at 170,000 per month. And given the tightness in the labor market wages are almost certain to grow more quickly in 2017 than they did last year.
As a result, housing will remain affordable in 2017 despite rising mortgage rates. Even at 4.5% mortgage rates are extremely low relative to any other time in history. If we are wrong and mortgage rates rise to 5% the housing affordability would end the year at 142.0 which is still affordable. Look for housing to continue to do well in the year to come.
Reach economist Stephen D. Slifer at email@example.com.


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My focus, when it comes to posting recipes, will be changing. I have tried to keep my low carbohydrate (Atkins/Keto) posts to my other blog but now something new has reared its head and I am not willing to start a new blog (or just ignore it and only share with my Facebook friends). As of right now, my husband either has a gluten sensitivity or full blown allergy. We won't know for another week or two whether it's celiac disease or not. So, I'm am on a new path when it comes to food and will be sharing my experiences. I want everyone to see my trial and errors, what we discover we like (and don't like) so that if you ever find yourself in this situation, hopefully I've gone through some of the pain for you.
I am in the process of going through various links that I've either already known about or those given to me by friends. I am still of a mind to make my own mixes (and once I get a flour mill of some kind making my own flours as much as I can) but right now, there are so many varied options out there that I'm not willing to by a 25 pound bag of sorghum flour if we are going to hate it.
So, I am making lists, buying pre-made foods/gluten-free mixes, noting whether we like an item or not and writing down the ingredients so I know what blends we like/don't like. Once we settle on a couple (seems like there would have to be two mixes: one for bread-like products and another for muffin/quick bread recipes but I'll know more once we experiment), I will share all of our observations, trials and errors with all of you.
My point in making this post is, I will no longer be posting standard gluten recipes UNLESS you can substitute the regular flour for a gluten-free substitute without altering the recipe in any other way.


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How do you decide when a medical condition rises to the level of a medical "emergency?" The American College of Emergency Physicians (ACEP) offers a list of warning signs that indicate a medical emergency:
Children have unique medical problems and may display different symptoms than adults. Symptoms that are serious for a child may not be as serious for an adult. Children may also be unable to communicate their condition, which means an adult will have to interpret the behavior. Always get immediate medical attention if you think your child is having a medical emergency.
If you or a loved one think you need emergency care, come to the emergency department. If you think the medical condition is life-threatening or the person's condition will worsen on the way to the hospital, then you need to call 9-1-1 and have your local Emergency Medical Services provider come to you.
Emergency departments see patients based on the severity of their illnesses or injuries, not on a first-come, first serve basis. With that in mind, ACEP offers the following tips to patients when they come to an emergency department in order to get the best possible care as quickly as possible:
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Terms and conditions
- Admission
You must comply with all requirements of the Immigration Authorities at all times. On receipt of the Application fees, IBAS will provide written confirmation of your enrolment. During your program, if you need to extend your Visa to continue your study with us, you are responsible to ensure that the extension is obtained. IBAS or IBAS's partners will provide you with the appropriate documents only if you comply with these Terms & Conditions.
If IBAS or an IBAS partner is of the opinion that you do not intend to follow our program or you are not able to study, we may not allow you to enroll in our program.
You need to ensure that you have sufficient time to apply and obtain a Visa ( if you are required a visa to stay). You must pay all required Tuition fee, Application fee and any other additional fees in full amount before the date of your admission.
Once paid, Tuition Fee and Application Fee cannot be transferred as a benefit to other students. Tuition fee does not include materials or services you might require during your study e.g. textbooks, etc.
Application Fee is non-refundable and non-transferable.
If you fail to Enroll or fail to complete your program, you will be excluded from your program without a transfer to another program or refund.
If you wish to change date of admission, you should report to Enrollment Department at least two months in advance. In such a case, you might have to pay the difference between tuition fee paid and tuition fee of your preferred date of admission plus an Administration charge of 100 USD.
Student visa: please attach a copy of your passport.
Students who wish to apply for a Student visa will be required to fill in other forms and provide further supporting documents in line with the Visas and Immigration regulation at the time of the registration. Please contact us for more details.
Our schools require students to have adequate health, accident and travel insurance while attending our school. Our schools reserve the right to require proof of insurance and, where the proof is not available, students must immediately purchase at least one-week insurance from IBAS. IBAS reserves the right to claim this cost from uninsured students, and during this one week students must purchase insurance for their entire stay in Switzerland. Uninsured students will not be given access to classes until proof of insurance is available and will not be refunded for loss of lessons.
Students going to Switzerland: In accordance with Visas and Immigration guidelines, we require payment of fees in full prior to issuing a visa letter of Confirmation of Acceptance of Studies (CAS). Students must notify IBAS immediately in the case of refusal or any changes to their status.
Students going to USA, Singapore or Malaysia: Before our partner schools issue a Confirmation of Acceptance of Studies (CAS) a deposit has to be paid – not full fees. Please see specific program.
Refusal: If you fail to obtain your visa, you will receive a refund of the total amount except the CHF 500 administration fee only after we receive written documentation from the consulate on your visa denial. Please note that there will also be a charge of one week's homestay accommodation fees for any cancellation or postponement notified less than 14 days before the start of the program. Specific terms will apply to residential accommodation.
Students who receive partial scholarship from IBAS and wish to withdraw at any time before they complete their program, need to pay the full program fees before stopping their participation in the program. Scholarships are normally given to students who are deserving or in financial need. Therefore, scholarship students should respect the privilege that they have taken up from another needy student and comply to all scholarship rules.
Students must inform IBAS of any mental or physical condition, allergy, or disability that may interfere with the completion of their program, affect the health and well-being of others or require special accommodation or treatment. IBAS will not be responsible in case of any misrepresentation or willful omission of information on the student's part.
IBAS is happy to give advice to disabled students and to assist them in choosing a program that will meet their requirements. In order to assist we must, at the time of registration, be provided with full details in writing regarding any disability and any special requirements as a result of the disability.
The company reserves the right to change details of its services, including programs, facilities, locations and course dates where circumstances beyond the company's control necessitate such changes, or where the number of enrollment is not enough to operate a course viably. External Classroom – during busy periods, students may be taught off-site. Further details will be available during orientation.
Exam fees or other costs related to exams and official tests are not included in the fees.
Our Work and Study Programme offer excellent opportunities to allow students to improve their professional credentials by completing a period of unpaid work experience in a professional English speaking environment. Placements are combined with a language course to improve overall ability.
Unpaid placements are available in New York, and we also offer paid work placements with our Swiss and Malaysian partners.
When applying please state whether the placement is paid or unpaid and how long is the duration. We will also require a full CV, passport photo and cover letter for the enrollment.
Relevant dates can be found on the respective country's embassy website. Schools do not make up for lessons missed on Published Public Holidays and there is no refund for lessons missed.
All holidays must follow individual school plans.
We organize a weekly social programme, including low-cost weekend coach excursions and a selection of free and good value local activities and visits. For updated information on our weekly social programme schedule and approximate costs, please visit our School's Facebook pages.
In the event of a dispute between a student and the school, procedures are in place to facilitate the resolution of the dispute. Complaints should first be made to the school Principal or centre Manager. Each complaint will be fully investigated provided that it is received within 30 days of the course ending date and all fees have been paid. If the matter is not resolved, the student should complain in writing to the IBAS head office.
The student must attend a minimum of 80% of their classes otherwise they may lose their place on the program. No refund will be given and where applicable the Home office will be informed. A student who does not meet the attendance requirement will not receive a certificate of attendance at the end of the course. It is the responsibility of the student to inform the school of all illnesses and absences.
For Preparation programs where the program is not paid separately, a 100% attendance is required. In cases of sickness, students are to inform the local training centre.
Accommodation is subject to availability. Other accommodation options may be available on request; please contact us for more details. All accommodation charges must be paid to IBAS directly and all prices are for per person and per month unless stated otherwise.
In the event of damage to school's property, student must pay the full cost. Student's booking residential accommodation may be required to pay a deposit on arrival. The deposit will be returned upon the student's departure provided there is no damage, loss or extra cleaning to be paid for.
If IBAS cancels a program after a student's enrollment, IBAS will refund all monies already paid by the student. However, we reserve the right to suspend or expel a student without the refund of fees for misconduct of behaviour that repeatedly upsets the harmony of the school.
IBAS will not be responsible for any costs incurred by or on behalf of the student as a result of causes beyond our reasonable control. Such causes shall include but shall not be limited to riot, war, a threat of war, civil strike, industrial dispute, terrorist activity, natural or nuclear disaster, unusually adverse weather conditions and infectious diseases.
Students with visa: Students who require a visa are not able to shorten or reduce the number of lessons of their program due to the terms of their visa.
IBAS pre-programs: Students joining the pre-programs offered by IBAS will in the event of a refusal of visa be refunded depending on the program they joined.
Students applying for IBAS regional centres in Egypt and Kuala Lumpur have the option to apply to another IBAS partner program without loss of tuition fee. No refund of prepaid fees or deposits is given.
Application fees are non-refundable. Bank fees and charges will be deducted. Please always send fees to cover all bank charges.
Accommodation fees: For bookings of 7 weeks or fewer, there will be no accommodation refund. For bookings of 8 weeks and over, students must give notice in writing 4 weeks prior to termination; otherwise a 4 week cancellation fee will apply. Specific terms will apply to residential accommodation.
No refund or credit will be offered for students who wish to change or cancel the program after payment. For students who require visa, refund is only provided when visa application is not approved. For a non-visa student, no refund is given for paid fees.
Any refund due will be paid to the person or organization who originally paid the fees and will be made within 45 calendar days of written confirmation (not counting public holidays).
IBAS will only provide refund if the visa application is refused, provided that:
IBAS has received full payment of Tuition Fees, Applications Fees and additional fees.
You are required to send to IBAS refusal document from Immigration Authorities, stating refusal reasons.
You will not be entitled for refund if your visa application is refused due to your own mistakes in that you have not followed the visa procedures when applying for a visa, including the submission of fraudulent documents.
IBAS will not provide a refund once you have obtained a visa but decide not to Enroll in the program.
IBAS will make a refund directly to the student or partner/agent that made the payment.
Application Fee is non-refundable under any circumstances.
IBAS is not responsible for any refusal of visa cases. If the Visa refusal is due to our fault, we will refund full tuition fee and help you to re-apply. No additional compensation will be given.
Flight details including date and time of arrival, flight numbers, airline and airport terminal must be advised 7 days prior to arrival. Students requesting an airport pick-up should also provide their mobile number including the international area code. Airport pick-up fees include a maximum of 1 hour waiting time. In the event of a delay exceeding 1 hour, students will be charged an additional fee. If there is up to 3 students travelling on the same flight, a shared pick-up can be requested (please add USD 10 for each extra passenger and USD 10 for each extra drop off).
For those students who have booked an airport pick-up on arrival, we will send an Arrival Transfer Confirmation to reconfirm the student's flight details and arrival time. Students who have requested a departure transfer should speak to our School Administrators a few days before departure in order to agree on a pickup time and collect their Departure Transfer Confirmation.
All program/tuition fees must be paid in full at least 14 days before your program/module start date. In the case of late registration, you should pay immediately with your enrollment form in order to secure a place on the program.
The following methods of payment are acceptable:
Only bank transfers to IBAS Bank account is accepted. Fees are paid in either USD, CHF, GBP or Euro.
All bank charges must be paid in advance by the sender. Please send a copy of the transfer document to IBAS with all payments and specific details: Student's name, Center, Date of payments and Invoice number.
IBAS reserves rights to expel a student from the program for unacceptable behaviour or lack of attendance. No refund will be made once you are expelled from your program.
If you intentionally or negligently damage the school's property, you might have to pay the full cost of repairing or replacing that property.
IBAS will not be responsible for any property loss or damage that arises out of or in connection with consequence of your usage of IBAS premises.
IBAS will not be liable for the safekeeping and delivery of any post sent to you at IBAS campus.
You should report to Admission Department of IBAS on any issues that make you feel unhappy with the programs such as lecturers, exams, school facilities etc. IBAS always listens to our students and continuously try to improve our services for them.


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2016 Stuff Read, #s 16(a), 34-40
I kept holding off on writing this post because I wanted to write a few sentences on each book, as I usually do. However, I have too many other items demanding my attention, so I'm going to have to skimp on this particular post. The good news is that I made my goal of 40 books last year, and despite the fact that my current dead tree book, Ann and Jeff VanderMeer's The Big Book of Science Fiction, will almost certainly take me months to complete, I'm off to an encouraging start on making that goal again this year -- thanks to audiobooks and ebooks.
16(b). In Morningstar's Shadow, by Aliette de Bodard (ebook, collection of three short stories)
34. Fifty Degrees Below, by Kim Stanley Robinson (audiobook)
35. Alice, by Christina Henry (dead tree book)
36. Our Magnificent Bastard Tongue: The Untold History of English, by John McWhorter (audiobook)
37. Call of the Wild, by Jack London (ebook)
38. Parable of the Sower, by Octavia E. Butler (ebook)
39. The Tombs of Atuan, by Ursula K. Le Guin (audiobook)
40. Do Androids Dream of Electric Sheep?, by Philip K. Dick (ebook)


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This a very unique opportunity to own a very special and versatile property on the popular State Highway 76 in Chimayo, New Mexico. This property is currently utilized as a very successful gallery (the business is not included in this listing) and a separate guest house that is leased. The main building is approximately 4000 square feet +/- and can continue to be utilized as a gallery/retail space, or consider turning this into your residence. Another alternative is for those looking for a live/work space, the top floor can be converted to your residence, with the first floor as a business. Possibilities galore with this property! As an added bonus, the Seller will consider transferring approximately 0.3 acre feet of water rights. Don't miss this chance to own a special property in Chimayo!
Attached, Carport, Direct Entry
The data relating to real estate for sale in this Website comes in part from the Internet Data Exchange ("IDX") program of Santa Fe Association of REALTORS®, Inc. from a copyrighted compilation of listings. Real estate listings held by brokers other than Santa Fe Properties are marked with the IDX Logo. All data in this Website is deemed reliable but is not guaranteed accurate, and should be independently verified. The information provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All Rights Reserved.


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Rates & Info
Price is per Shibi per canvas; price depends on how detailed the Shibi will be. There can be more than one Shibi in one canvas. There are discounted packages for three or more Shibis in one canvas. Email me at firstname.lastname@example.com
Time Frame:
Two to three weeks.
What is this for?
Shibis are simply Shirielise Chibis that look like paper dolls. I can turn your favourite character in Shibi style, or turn you or your friend, or even your whole family into Shibis! It's somehow similar to cartoon caricatures.
Why do I need it?
This is great as a personalised gift. Especially if you want to give a unique gift to newly weds, birthday celebrants, or a romantic partner. I can also make Shibis for your 1-minute videos, business mascot, invitation cards for weddings/birthdays,etc.


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Five-time champions Bayern Munich opened their Champions League campaign with a flattering 3-0 win over 10-man Anderlecht on Tuesday.
Bayern were still smarting after their first defeat of the season -- a 2-0 Bundesliga loss at Hoffenheim on Saturday -- and had been looking to respond emphatically in the Group B game.
Bayern have won 16 of their last 17 home games in the competition and any chance of an upset from Anderlecht seemed to vanish after 11 minutes, when last man Sven Kums was sent off for hauling down Robert Lewandowski. TV replays showed the contact was outside the penalty area, but the spot kick was awarded and Lewandowski dusted himself off to convert it.
Bayern failed to make the most of their man advantage, however. Opportunities were allowed to slip with wayward passes, epitomised by a loose ball from Corentin Tolisso for Franck Ribery, who would have been through and had already done well to instigate the move.
Then Adrien Trebel tested Manuel Neuer at the other end as the Belgian champions showed no sign of surrender. Another chance before the break had the stern-faced Carlo Ancelotti out of his dugout.
It got worse for Bayern after the interval when Alexandru Chipciu hit the post for Anderlecht, but that seemed to spur the home side and Joshua Kimmich crossed for Thiago Alcantara to settle the fans' nerves midway trough the second half.
Niklas Suele had another goal ruled out for an adjudged foul shortly afterward, but Kimmich scored in the final minute to secure all three points for the hosts.


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There's a big push behind making higher education more accessible. "Earning a post-secondary degree or credential is no longer just a pathway to opportunity for a talented few; rather, it is a prerequisite for the growing jobs of the new economy," says the education page of the White House website.
For most graduates of for-profit colleges, that's not working out. Even with their associate's or bachelor's degrees, 72% of for-profit programs studied by the U.S. Department of Education produced graduates who earned less on average than high school dropouts.
Since the value of higher education is to improve your career prospects and earning potential, students of for-profit colleges paid a lot of money for a potentially worthless degree.
Look at the numbers: Students at for-profit colleges make up 13% of college students, but they account for 31% of student loans and nearly half of student loan defaults.
Cutting Off Under-Performers
This month, the Department of Education proposed regulations that would give for-profit colleges a chance to improve their students' ability to achieve gainful employment. Programs that fail to do so will see their federal funding cut off.
The regulations would require these institutions to show their programs meet accreditation and licensure requirements for the careers they market, keep students' debt-to-earnings and default rates below certain thresholds and disclose to prospective students the costs, earnings, debt, default rates and completion rates associated with their programs.
This isn't the first regulatory effort made against a for-profit college this year. In February, the Consumer Financial Protection Bureau filed a lawsuit against ITT Educational Services, the parent company of ITT Tech, for predatory student lending.
The Bigger Problem
Consider this: The majority of community college students don't borrow student loans, but students who graduated from for-profit colleges with an associate's degree averaged $23,590 in federal student loan debt, according to the Education Department.
But it's not just for-profit colleges that churn out students with loads of debt. There's $1.3 trillion of outstanding student loan debt in the U.S., and the default rates at nonprofit colleges, public and private, have continued to rise over the last decade.
Nearly 4.1 million borrowers started repaying their loans between Oct. 1, 2009, and Sept. 30, 2010 (fiscal 2010), and 14.7% defaulted by Sept. 30, 2012 — the previous fiscal year, the three-year default rate was 13.4%.
Breaking it down by institution type: 21.8% of for-profit students defaulted within 3 years, as did 13% of public school and 8.2% of private school borrowers.
Student loans can only very rarely be discharged in bankruptcy, and defaulting on your debt obligations will wreak havoc on your credit scores. It's best to manage student loan debt from the beginning by not borrowing more than you can afford. If you're already past that point and struggling with debt, look into an income-based repayment plan, loan consolidation or refinancing, if it's available. If you want to see how your student loan debt is impacting your credit scores, you can use free tools on Credit.com to check two of your scores for free and see the biggest factors impacting your scores.
More on Student Loans:
- How Student Loans Can Impact Your Credit
- How to Pay Off Student Loans With Forgiveness Programs
- A Credit Guide for College Graduates
- How to Pay for College Without Building a Mountain of Debt
- Strategies for Paying Off Student Loan Debt
Image: luanateutzi


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Relationship For Single Parents USA
For most people who are seeking that particular someone to fill out that vacancy inside them, discovering real love is never a straightforward job. Sent appeal to courting and are a check online christian relationship to model, extra from just for it. Its system has integrated years of design expertise in on line relationship and makes use of the newest methods to create protected, satisfying and straightforward to use dating websites. Right here you'll discover like-minded individuals, single mother and father with the same commitments, troubles and life kinds.
Whenever you make the choice to get back on the relationship scene, the following step is to consider how you can start to meet new people. Indicators of an Abusive Courting Scenario : Peruse a listing of indicators that a teen could also be in an abusive relationship and what a mother or father can do to assist. In real life, … Read the rest


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Very happy Very happy to get my KR1s engine back together ! i have been searching for a good crank to build for over 8 months i brought 3 and all were scrap dont know what took someone so long to get these made. O by the way the webs look very high quality. (18/01/2015) Ian - Nelson
C est du KOYO!!Livraison super rapide,Best quality Merci de fournir pour nos kr1 ,Très bien emballé! Roulement Made in Japan joint spy de qualité que du bon. (17/10/2013) krone92 - france
Very good quality and quick shipping Thanks for very quick international shipping!! I will order again near future. (03/12/2012) -
PJ Motorcycle Engineers - Specialists in 2 Stroke Engines


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Sally Holloway Joseph
Sally Holloway Joseph was the co-founder of Heart to Hand, Inc., a 501(c)3 nonprofit organization. Heart to Hand, Inc. was established in 1988 to "make a difference by encouraging people to never give up and invest in themselves in order to have a better quality life." Sally's Mission was to serve the disenfranchised, underserved, and underinsured. Sally wanted to ensure that Heart to Hand, Inc. would continue to provide HIV/AIDS, Outreach, Tobacco, and other intervention/prevention programs.