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VSMedia necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 190 diseños de 45 diseñadores freelance.
VisualStream Media
Our company name is VisualStream Media and we are an internet business that creates and maintains numerous web properties that contain information and media related to popular topics searched and sought by the common internet user. We are looking to centralize all the data and media on each particular topic into one web property that the common user can freely use without the burden of searching through hundreds of different websites for related descriptions, images, videos or other types of media.
- men & women between the ages of 13 – 40
- those who use the latest technology, devices, and electronics
- people who enjoy all types of entertainment and media
- we want to appeal to other internet businesses and top corporations
Here are some suggestions for what we are looking for, but do not feel that you have to follow all of these conditions, since we may still be intrigued by whatever creative designs you may have:
1) The look should reflect our business attitude which is "high tech", "next gen", "professional", "corporate", "innovative", but avoid anything that might push this too far and appear as "intimidating" or "corporate giant."
2) Aside from the text for the company name, we are also looking for an icon or custom image to relate to the company in the logo, not a text only logo in a certain font.
3) The use of colors should be limited to a few instead of a logo with the entire rainbow included (but the use of more colors could be allowed as long as those colors are used in small areas or sections allowing the few central colors to still dominate the logo).
4) We don't want to run into issues with the logo size, where it is not big enough for where we need to use it, so please try to make the logo in a vector based file format.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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I am very disappointed in the city of Campbellsburg. I was willing to pay the surcharge that was enacted in order to complete a needed sewer project. Now, they are discussing what to do with $700,000 in leftover funds? That's great, I'm glad that they will be able to complete some other sewer projects that they weren't anticipating to in the first place. However, I didn't see anywhere in the article where they are discussing removing or reducing the surcharge. The project for which it was being used is now COMPLETED.
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Colourful and playful wall designs perfect to decorate your nursery, kid's bedroom or playroom. These removable wall stickers are a fun and easy way to decorate boys and girls rooms.
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Studio 56, L5, 61 Marlborough street,
Surry Hills, 2010 NSW
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Production of the Mustang began in Dearborn, Michigan on March 9, 1964 and the automobile was introduced to the public on April 17, 1964 at the New york city World's Fair. It is Ford's 3rd earliest nameplate currently in production. Original sales forecasts predicted less than 100,000 units for the first year. This mark was gone beyond in three months from rollout. Another 318,000 would be offered during the design year (a record), and in its first eighteen months, more than one million Mustangs were developed.
Best Deals Buy Classic Ford Mustangs
All of these were VIN-identified as 1965 models, but several modifications were made at the conventional opening of the new model year (start August 1964), including the addition of back-up lights on some models, the introduction of alternators to change generators, and an upgrade of the V8 engine from 260 cu in to 289 cu in. In the case of at least some six-cylinder Mustangs fitted with the 101 hp 170 cu in Falcon engine, the rush into production consisted of some uncommon quirks, such as a horn ring bearing the 'Ford Falcon' logo design underneath a trim ring emblazoned with 'Ford Mustang.' These characteristics made adequate distinction to require classification of the 121,538 earlier ones as "1964 1/2" model-year Mustangs, a difference that has sustained with purists. Mustangs For Sale in Cameron NC are easy to find now with online shopping.
The 1973 OPEC oil embargo brought with it more stringent contamination laws and the desire for fuel-efficiency. This was also the first time in automobile history that the Big 3 were having to compete with imports. The brand-new Mustang II was smaller sized than the very first variation but, due to the extra equipment required to meet new United States emission and security policies, was heavier than the first design. Performance was minimized and in the first year only 385,993 cars were sold.
2nd generation Mustangs for sale in Cameron NC were available between 1974 and 1978 and readily available in a coupe and hatchback variation. 1979 the Mustang was revamped a third time. This time it was based upon the larger Fox platform and the interior was really large enough for four individuals. The trunk was larger therefore was the engine bay. The body designs available consisted of a coupe, hatchback and in 1983 a convertible. In 1979 the 3rd generation Mustang acted as an Indianapolis 500 speed automobile and Ford developed 10,478 commemorative reproductions. The 3rd generation Mustangs were produced from 1979 to 1982.


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day 1 & 2 (Frankfurt), day 3 (Frankfurt & Switzerland), day 4 (Switzerland), day 5 (Switzerland), day 6 (Milan), day 7 (Padua & Venice), day 8 (Venice).
day 9, as mentioned in the previous post, we started the day trying to enjoy the outdoor patio that came with the room.
But it was cold and wet and I had to eat with someone who refused to bulge from the door frame, ready to spring into the warmth of the room anytime. Breakfast al-fresco? Nay, overrated.
We got some time on our hands before we have to head back to the train station for our next destination. I thought there was a fish market going on under the Rialto Bridge, but there was only hardworking workers moving boxes of fishes from the canal to restaurants and stacked-up tables along the bank. Where is the market?
The Doge's Palace was such a maze that it took us some time to get out, rendering us half an hour late to check out. The landlord was not very happy. Then, I fell down the stairs. Not because of the landlord's fury but because my sling bag was in front of me on top of my puffy winter jacket, so much so that i couldn't see the step in front of me. The overweight backpack on my entire back was an accomplice for making the fall down faster and badder, so much weight in it and not a slice of conscience, tsk tsk tsk. I made a few high-pitched noises for a few minutes before I felt ok to stand up and walk. That was why, thereafter, I referred to my right foot as "pig trotter"(because of the persistent swelling and patch of blue-black). I'm still thanking God, it could'd been worse!
On to Florence!
wine-tasting the next day!


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Brembo has earned a reputation as the world's leading developer and manufacturer of brake components and systems for high-performance cars. Brembo first started producing brake rotors in 1964. Today, their brake components are original equipment on many BMWs, as well as dozens of other high-performance marques and models, including Ferrari, Lamborghini, Porsche, Mercedes-Benz, Corvette and others. They have also won more than 200 world racing championships. Brembo has manufacturing facilities in 14 countries, including the U.S.
- Includes a fixing screw kit with all the necessary hardware for simple, more efficient and safer installation.
- Meets or exceeds OEM specifications
- Outside diameter - 258mm
- Nominal thickness - 10mm
Same as 34 21 1 163 145 and 34 21 1 163 146.
Write Your Own Review
An acknowledged innovator, Brembo is also a leader in the racing sector and has won more than 200 championships, including many Forumla One races with Ferrari. About 10% of the company's 7,000+ employees are engineers and product specialists working in R&D, keeping Brembo brakes on the leading edges of performance and technology.
Everything we sell comes with a minimum 12-month warranty and a 100% satisfaction guarantee. In addition, products that carry the Bavarian Autosport brand come with a minimum 2-year warranty against defects in materials and workmanship. (Some have lifetime warranties!) If you are unhappy with a product's quality or performance, simply let us know. We'll make it right. Call us at 800.535.2002 or e-mail [email protected].
NOTE: Clicking links will set/change vehicle selection.


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Featured News - Current News - Archived News - News Categories
by Larry Austin
Gerald Bergdorf has the gift of gab, a trait that comes with his job selling home appliances.
"I've been a salesman all my life, so I can talk," he said from the dock of the Buffalo Launch Club Saturday. "And I enjoy talking to people."
Saturday he was talking up Grand Island during the annual Antique Boat Show and Raceboat Reunion, held over the weekend at the Buffalo Launch Club.
Bergdorf has come to the Island to display his antique wooden boat for eight years straight, because he said he enjoys the "camaraderie with all the people" he finds on the Island and among his fellow boat lovers at the event, hosted by the Niagara Frontier Chapter of the Antique and Classic Boat Society. In fact, in past years he's taken his boat through the Erie Canal from his home in Latham, a seven-day trip.
When people see his 1959 Chris Craft, they say "Wow! It's a tank," Bergdorf said. He called his 24-foot boat a sport-utility boat that seats nine and goes 40 mph.
Chuck Thomas of Fairview, Pa., was making his third trip to Grand Island's show with his boat from the Cowell Boat Works.
What keeps him coming back?
"The people. It's a nice show. They take good care of you," he said of the annual Island event. "They've got a tractor that can bring our boats in and out for us. This is a nice show to come to."
And besides, Thomas said, the boaters with the classics have developed a fraternity.
"We just have a lot of fun. Most of us know each other," he said.
Though the shows are few and far between, he said, a trip to Grand Island is well worth the time and effort to make.
"You get to see a lot of different boats here. It's one of the bigger shows, it has quite a few boats. And if you want to see a variety, look at the inboards, the outboards - you have a little bit of everything."
"There aren't that many (shows) around, so when you get a chance to come to one and it's only a few hours from home, why, you come."
"It gives people an opportunity to look at a beautiful Chris Craft over here. That's been restored. Look how nice it looks," he said. "It gives people the chance to see all different types of boats and what it was like back in the day."


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Parents (2007)
Directed by Ragnar BragasonRun Time - 90 min. | Countries - Iceland |
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Synopsis by Jason Buchanan
A trio of middle-class and well-to-do Icelandic families strive for happiness against all odds in the sophomore collaboration between director Ragnar Bragason and the Vesturport acting troupe. Oskar Sveinn (Ingvar E. Sigurdsson) is a kindhearted dentist married to fortysomething Erna (Jona Gudrun Jonsdottir). Though he is a loving stepfather to Erna's two sons, Oskar longs to father a child of his own with Erna despite the reluctant mother's claims that she is too old for another pregnancy. Returning to Iceland after years abroad, Oskar's new receptionist, Katrin (Nanna Kristín Magnúsdóttir), finds her heartfelt attempts to reconnect with estranged 11-year-old son Baldur (Petur Rognvaldsson) consistently thwarted by her sharp-tongued mother (Lilja Guthrun Thorvaldsdottir), who isn't afraid to openly criticize her daughter's questionable parenting skills. Lastly, stockbroker Einar Birgir (Vikingur Kristjansson) finds it increasingly difficult to accept the fact that his marriage to Halla (Thruthur Vilhjalmsdottir) has ended despite the fact that he has been living alone in a hotel for nearly two months.


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Yamax PZ-271 Power-Walker Multi-Function Pedometer
- Highly accurate
- Japanese designed
- Sensitive motion sensor
- Steps
- Distance
- Calories
- Memory
- Clock.
One of the world's most respected pedometers for its excellent reliability and accuracy. The 1D accelerometer sensor has Electronic Walking-Cognitive (EWC sensor) function that improve measurement walking data more precisely. If you walk one step, display does not show number 1, because EWC Sensor distinguish just vibrations occurred by non-walking action like sitting and standing from actual walking activity. If you walk continuously more than 5 steps, the steps you took will be added to the number of steps totally you have taken and display total data at once because of EWC sensor.
WARNING California Residents Prop 65: This product may contain chemicals known to the State of California to cause cancer and birth defects or other reproductive harm. The exposure may be negligible or well within the "no significant risk" range. However, out of an abundance of caution, we have elected to place the Proposition 65 warning on these products. This Product may contain traces of Lead or Nickel.
Simple Returns
If, for whatever reason, you are not satisfied with your purchase, you can return it to HRM USA within 45 days of purchase date subject to conditions below. Claims for items damaged in transit must be received within (3) business days of receipt of merchandise. Refunds & Credits Refunds on returned items will be issued to the same payment as tendered at the time of purchase or store credit. Once we receive and inspect the product you will be issued a credit back to your account. Please allow 5-7 Business days for a credit to appear on your account. If payment was made by check, the refund check will not be issued within 7- 10 business days after receipt of return.
If the item is returned to us for exchange, please allow 2-5 business days for the replacement to be processed and shipped. All returns are shipped with our Economy shipping method and arrive within 2-10 Days.
Please read all conditions below. If conditions are not met, HRM USA reserves the right to refuse the return or to charge a restocking fee not less than 10% or a $2.95 minimum charge.
All returned items must be in new condition, in their original unaltered box (including the UPC code being intact) and must include all packing material, blank warranty cards, manuals,and accessories. Defective items may be exchanged for the same model or manufacturer's equivalent model. Please call us at 800-403-8285 for assistance. Please allow time to discuss any issues you may be experiencing as we may recommend tech support to resolve any issues prior to exchange.
No Used Returns/Exchanges on the following
- Hydration Packs, Water Bottles once any of the packaging has been opened or safety seals have have been broken.
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- Electronic Software is not returnable or refundable once opened.
- All consumable items or hygienic items (e.g., Gels, Energy Chomps, Elixirs, etc.) once unwrapped or seal broken.
- Special Order merchandise, Clearance, or any item indicated on the website as non-returnable.
- Imprinted products.
- HRM USA Stores Gift Cards are redeemable for merchandise only and may not be redeemed for cash.
HRM USA is dedicated to always offering the best value to our customers. We will match the price, at the time of purchase any product sold by an Authorized Dealer of that specific product offered at lower price. Proof of lower price is required.
Here's how to qualify for Price Match:
- If you find a qualifying lower price online, call 1-800-403-8285 or 215-259-2700 Between 9am - 6pm EST and one of our employees will assist you with the price match request.
- On qualifying products, HRM USA will then verify the current price to complete the price match.
Some exclusions apply:
- Services such as custom imprinting, extended warranties, ect.
- Items must be in advertised as New Condition, HRM USA will not price match against Used, Newly Overhauled, Manufacturer Refurbished, or Open Box Returns
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- Products shipped from or sold by third-party sellers (Marketplace Sellers) on Website
- Price Match will take into consideration final value costs, including shipping and taxes.


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Featured News - Current News - Archived News - News Categories
Sister Beth Brosmer of the Heart, Love and Soul Food Pantry and Dining Room in Niagara Falls has announced the following Christmas food and toy sign-up schedules for clients. Times are: Dec. 3 to 6, 10 a.m. to 1 p.m.; Dec. 7, 2 to 4 p.m.; and Dec. 8, 10 a.m. to noon.
All clients will need to furnish the following forms of ID: Social Security cards, proof of income for adults and proof of residence.
Heart, Love and Soul Food Pantry and Dining Room is located at 939 Ontario Ave., Niagara Falls.
For further information, call 716-282-5689.


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CouchDB + Ruby: Perform Like a Pr0n Star – Matt Aimonetti
Matt Aimonetti is part of the Merb team.
Size matters
- memory usage
- amount of servers
- infrastructure
You need reliability
Fault tolerant
- downtime
Multiple Partners
- Nice public interfaces
- no discrimination
- reaction underload
- handle concurrent connections
- numbert of requests persecond
- latency
Every p0rn star needs a trick
Enter CouchDB
Why aren't you a porn star now? Because of RDBMS
What does RDBMS have problems?
- most/all fields become options, schema changes and it becomes hard to deal with
- joins hurts performance (add indices/tables)
- replication is difficult when using multiple masters
- auto-incremental ids
What other kinds of approaches can we use?
Distributed Hash Table
- fault tolerant
- used by p2p and IM
- memached is another example
Some other projects:
Project Voldemort, Tokyo Cabinet, Redis
What is CouchDB?
It is a project written in Erlang by Apache. It uses spider monkey.
Can be used as a key/value store.
Can also put data in a schema-less store, format your data as a JSON object and dump the whole thing into the db
CouchDB comes with a nice web interface called Futon that lets you inspect your database and its contents.
CouchDB is de-centralized.
You can do replication between multiple masters.
map/reduce is built in to compute data. Maps and reduces can be written in Javascript.
Optimized for the web, more reads than writes.
- full Acid compliance
- https rest interface
- caching (couchdb uses etags) – this makes caching with existing HTTP caching technology (nginx+memcache, varnish, etc) really easy.
- built-in conflict management using MVCC (multiversion concurrency control)
- Every single record gets saved as a different revision
- document attachments are attached as document stubs, that also get replicated to different nodes and don't use a lot of memory
How does this relate to Ruby?
Using CouchRest
Everything is a JSON object.
You can define properties so you get an attribute reader/writer, and do document.attr
There is no SQL in CouchDB, you do queries like Card.first, Card.all, Card.get('matt_aiomonetti')
The problem is trying to map documents into Object-Oriented languages, but it doesn't always work. If you have dependent objects (such as Card and Address), then you tell CouchDB to cast it as something.
property :questions, :cast_as > ['Question']
save_callback :before, :generate_slug_from_title
Relationships can be done, but you have to decide how to do it, and there are a lot of ways.
When to use couch?
- When you need to scale you database and availibility is more important than consistency.
- When your data is decentralized (you have more than one master
- When you need to compute data
Use cases:
- Analytics – combined with traditional rdbms system to get statistics using couchdb
- Personal finance – Bank accounts in different countries – download all accounts, and can process in one place – attach PDF files, desktop app, etc.
- Medical Record System – Many patients with visits, history, records, etc.
- distributed e-commerce sites (1 main website working with multiple partners, the data can be replicated easily) In this case, CouchDB is much faster than RDBMS, because of drugs, compounds, and complex structures.
Q: Can you use couchdb with objects that have attributes that change often?
A: Yes you can use it.
Q: There are many ways to do relationships. Can you give an example?
A: Blog has an article with many comments. You can make one doc that is an article, and you can add comments. Problem is you need to send the whole document that increases risk of conflicts. So you create a new object that is the comment object that just refers to the article. Then, in the view you define the Article as aggregating all comments. Alternately, you can make a query to retrieve all comments for the article.
About the AuthorMore Content by Ryan Dy


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Crab apples (Malus paradisiaca) are quite popular in Estonian gardens, as they're rather decorative throughout the year - gorgeously pink blossoms during the spring and early summer, attractive tiny red fruits during the autumn (don't you agree?). However, their use is rather limited - they're too tart for eating as a dessert apple, they're a pain to clean for preserving. The traditional way of preserving them is pickled whole in a sweet-and-sour marinade and used as a garnish on various dishes during winter. Not bad, but a bit boring IMHO.
A sweet soul brought me two kilograms (that's just over four pounds) of crab apples the other week, and I wanted to make a jam according to a recipe given to me years ago. I began quartering and coring the tiny apples, and quickly gave up. Way too much hassle, you see. I decided to do something different and a lot easier - a crab apple spread. (You can see the result here). I fell immediately in love with the colour - and the flavour - of that spread. So when a local newspaper asked me to provide an apple cake recipe for one of their forthcoming issues, I knew I'd be patient enough and quarter and peel those tiny apples anyway.
I quickly sourced another batch of crab apples, and used them in one of my good and trusted apple cake recipes instead of regular apples. I think that simple cake looks simply spectacular because of the crab apples.
Crab apples, by the way, are known as 'paradise apples' in Estonian. So I could call this a Paradise Cake or Apple Cake from Paradise:)
Crab Apple Cake
Serves about 10
The pastry:
200 g unsalted butter
200 g sour cream
350 g all purpose/plain flour
0.5 tsp salt
The filling:
about 400 g crab apples (cleaned weight)
sugar, according to taste (I used 4 Tbsp)
1 egg white, for brushing
Melt the butter, then mix with sour cream, flour and salt until combined. The dough is very soft at this stage. Cover the bowl with a cling film and place to the fridge to rest for 30 minutes.
Meanwhile, quarter and core the crab apples.
On a lightly floured surface, roll the very nicely malleable dough into a large rectangle (about twice the size of your small to medium sized baking sheet). Carefully lift the dough and transfer half of it onto your baking sheet, leaving the other half to hang over the edge.*
Spread the apples over the pastry, then season with sugar and cinnamon. Fold over the other half of the pastry, and press the edges firmly together.
Brush with a egg white.
Bake in the middle of a pre-heated 200 C/400 F oven for about 35-40 minutes, until the apples are cooked and the cake is lovely golden brown on top.
Remove from the oven and leave to cool a little before cutting into squares.
* You can also simply divide the dough into 2 pieces and roll into 2 rectangles - one for the base and the other for the top.


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No emergency calls with Skype Skype is not a replacement for your telephone and can't be used for emergency calling


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Follow RFF News on your cell phone. Text follow rff to 40404 you will receive txt messages with RFF News
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I tell you what, every week as his character unfolds, he becomes more and more despicable."
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If you're dryer's not drying, troubleshoot your vent before calling for dryer service. Especially if you're running your dryer twice to get clothes dry.
If your dryer's vent system is clogged, moist air won't exhaust as well and it will take longer for your clothes to dry.
Here's how to test your vent to see if it's clogged:
- Run your dryer for at least 5 minutes
- Find your exhaust hood on the exterior of your home. It will look like one of these
Use your hand to feel for air movement. If it's less than a hair dryer on high speed, clean the lint from the entire length of the system and exhaust hood. (This should be done about every two years, anyway).


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I'm no authority on Korean food, but usually the words "Korean BBQ" entail a table-top grill on which customers cook their own meats—an ingenious form of culinary outsourcing. Gaon has no such grills, though one dish was served on a sizzling hot plate set over a dish of flammable pink jelly. But no temperature dials, no overhead vents, no mounting flames, no pervasive aroma of smoke. (There's a rumor that each table will soon have its own smokeless grill, but… smokeless?)
Does that mean it's inauthentic? Beats me. It does mean that from the moment we sat down, Gaon was fighting our expectations—a feeling compounded by the allegiance of several diners in the party to Masa, the beloved neighborhood Japanese-owned Japanese restaurant that once occupied the space. Gaon (which, incidentally, is Hebrew for "honorable sage") is possessed of significantly more upscale décor than Masa was, sleek and modern and minimal—except for the flat screen playing CNN.
The plating, too, is sleek , more like a modern bistro than a BBQ joint. It's hard, in fact, not to think of Cham and its suppression of the pleasing scuzz that one associates with a certain type of Korean restaurant—a program which makes sense just west of South Lake, but is, at first, mildly puzzling in East Pasadena. And thou, too, shalt be gentrified. The operative word here is "clean."
This goes for the food as well. With the exception of the kimchi banchan, flavors were generally tight and polished, sometimes to the detriment of a dish. What dishes, you ask? Besides a standard assortment of small dishes, or banchan (kimchi, broccoli, sprouts, noodles, etc), there was a spicy pork shoulder (tender, sweet, not that spicy, delicious) a beef and egg bibimbap (sufficiently smoky and crisp, but ordinary), and, for two of us, the Lotus Leaf tasting menu, an eleven course feast, though everything was brought out in such a jumble that I am not absolutely confident in my count (my notes are a mess and there's no online menu, so please forgive the occasional vaguery). The Lotus Leaf menu is $25/person and mightily inconsistent.
It begins with three dishes: rolled flower crepes, supposedly filled with veggies, beef, and crabmeat, then drizzled with a yellow "mustard" sauce; mung bean jelly noodles with cukes, nuts, shredded beef, and a pleasing kick; and a plate of greens smothered in strawberries and strawberry puree. The crepe and salad were staggeringly boring, but the noodles were quite good, nicely flavored with a firm, supple texture, with the barest of crunches.
After the openers, dishes began arriving in rapid succession. The six "standard" banchan came out, followed by three "special" banchan (mushrooms, spinach, and lotus root, which were, I believe, collectively counted as one dish towards the eleven course total), followed by Chilean sea bass (5) and Korean short ribs (6), followed by Korean miso soup (7) and sweet rice steamed in lotus leaf (8), followed by a soggy tempura of halibut, shrimp, cucumber, squash, mushroom, and beef-stuffed bell pepper (9)—not to mention the pork shoulder and the bibimbap. Maybe five minutes elapses between the arrival of the banchan and the tempura. This is unavoidable, perhaps, when two people are having one dish and two people are having eleven, but it was overwhelming nonetheless. And really, banchan would be perfect for mitigating the potential timing issue.
We ate in silence for a while, stunned by the enormity of the bounty and task before us. Around the time we began speaking again, dessert arrived: a thin, sweet rice cake drizzled with honey (10), and a cup of Kabocha punch (11), a refreshing finish. But reader, would you believe I did not leave bursting? Sated, yes, even full, but not in danger of bursting any buttons.
And how were dishes (4) through (11)? The mushrooms and lotus root in the special banchan were nice—substantial, earthy, flavorful—but the spinach was limp, soggy, and somehow also dry. I thought the Chilean sea bass, with a sweet miso sauce and served with diced and grilled peppers and onions, was excellent, though my fellow Lotus Eater, a culinary student, accused it of being overcooked.
The soup consisted of tender bits of beef, mushrooms, jalapenos, and tofu in a hearty and comforting broth—a nice mid-meal treat. The short ribs, cooked bone-in, were tough, at least compared to every other Korean short rib I have ever eaten. The lotus rice was dry and sticky with a tinge of sweet, but basically forgettable. Calling the tempura "tempura" is perhaps unfair; perhaps it was intended to be damp, soggy, and limp. The foodstuffs within the fry, on the other hand, acquitted themselves just fine, particularly the stuffed bell pepper.
And, at last, dessert. The rice cake was odd—sweet at first, with a rapid slide into flavorlessness, like a piece of gum. One diner asserted that it had a bitter aftertaste, though no-one else could detect this phantom flavor. Much more satisfying was the Kabocha punch, which was like pumpkin juice, a cool balm for overworked stomachs.
So, a mixed bag, though certainly deserving of another visit once those smokeless grills are installed. Without a doubt, Gaon is better than all the other Korean restaurants east of Lake in Pasadena (of which there are zero, in case that needed to be said). Venture over the border into Arcadia, however, and you can eat at Young-Dong Tofu Restaurant. And that place is no joke.
Gaon Authentic Korean BBQ Restaurant, 2063 E. Colorado Blvd., Pasadena, 626.796.9604. Open Mon. – Sun. 11:30 a.m. – 10 p.m.


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Peter Sørensen2 necesitaba un nuevo diseño de impreso o envases y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 33 diseños de 4 diseñadores freelance.
InterForm400 is an output management solution for IBM I /AS400 platform. Companies on the platform have certain limitation when creating output (PDF, LaserPrint, Labels, Fax, Email, XML, etc).
InterForm takes raw data from the platform and turn it into a formatted document and distribute/output it automatically.
Watch this one minute movie and you can understand what we do. http://www.interform400.com/images/…video.html
Companies. IBM I users, IT department or decision makers. Keep in mind that not all are familiar with the concept but the waste majority are.
Words that characterize InterForm400:
- Intelligent output management
- Stabile
- User friendly
The layout should be:
- Clean
- Simple
- Professional
- Fit into our CI (website) http://www.interform400.com
It's gonna be a brochure of A3 folded (4 paged A4). Please see attached
Page 1: Cover page (Illustration, Logo, and this tag line: Intelligent Output Management)
Page 2: Information (see attached doc)
Page 3: Information (see attached doc)
On page 2-3 we need to make room for images so it is not just text.
Page 4: Back page functionality descibtion (see attached doc)
I suggest you spread the information in the file over page 2 and 3.
The brochure will be printed on glossy paper in high definition full color but most of the time be on the web or distributed as PDF.
We have 7 product sheets that needs a makeover and this new layout should also be the template for the others.
Please send us a message if something is unclear in any way. We'll respond often within a few hours.
Please deliver in the following formats:
Print file format - .ai (CMYK)
Web file format - .jpg
layered .psd (RGB)
Multiple language layers (UK, ES, IT, DE, PT, FR, etc)
3mm bleeds
Resolution 300dpi
Good luck!


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Mr. Armstrong: "So-so. Our last gig was at a dump."
Dr. Grumpy: "Sorry. One of the cheap college bars?"
Mr. Armstrong: "No, the dedication for the new city landfill."
A Blog detailing the insanity of my medical practice and the stupidity of everyday life.
That stinks, but It is all up from there.
The best part about being at the rock bottom is there is nowhere to go but up.
Every performer's dream- an unending supply of rotten fruits and vegetables.
as a gigging musician, this totally made me LOL!!!!
Almost as bad, is trying to compete with guests at a wedding that are getting all liquored-up. I am usually amped, but sometimes it is just a lost cause.
They used to call them "sanitary landfills." I have no idea though, as there is nothing sanitary about them.
ba dum tss!
made me smile
Little Calf Creamery. Delicious homemade ice cream and food in Thousand Oaks!


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(c) Pocumtuck Valley Memorial Association, Deerfield MA. All rights reserved.
Contact us for information about using this image.
This 1910 advertisement from the Gazette & Courier newspaper in Greenfield, Massachusetts, boasts the best, purist, and most economical flavoring extracts from the Toiletine Company in Greenfield and Montague, Massachusetts. The multi-purpose extracts could be used for "coughs, colds, sore throats, cuts, burns and bruises." The ad assures the buyer that they can have their money back if they are not satisfied.
First established in Hoosick Falls, New York, the company manufactured a popular medicated lotion named "Toiletine," and moved to Montague in 1895, where it began manufacturing a line of other products including shampoos, lotions, and flavoring extracts like vanilla and lemon. In 1910, the company was purchased by William Ulrich who moved it to Greenfield, Massachusetts. The company disappeared in the early 1970's, probably due to the owner's failure to advertise in an attempt to keep the company small.
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Cinnamon and Wintergreen Extracts made by The Toiletine Company
"Old Medicine Man Founded Toiletine Co." article from Greenfield Recorder-Gazette newspaper
"Miner's Lemon Standard Extract"
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Social Media Capture Service Eases Compliance Burden
Change in social media comes so fast that if you try to take a snapshot, you're likely to record only a blur. That's a problem for organizations that are required to keep an accurate record of all their electronic communications.
Since 2005, the State of North Carolina has archived copies of its Web properties using Archive-It, a fee-based service from the creators of the nonprofit Internet Archive project. However, that solution is starting to break down in the age of social media sites that are updated minute-by-minute, stitching together content on the fly with dynamic JavaScript.
"Social media is very different from static Web pages because it's constantly changing," said Kelly Eubank, head of electronic records for the State of North Carolina archives. Because social media is treated as a public record under the law, the state needs to keep a record of everything it publishes and all the communications it receives over social media. "When Facebook came out with the latest iteration of the Timeline look, that was a serious problem for us in terms of rendering back that content," Eubank said. Now, the state is experimenting with an alternate solution from ArchiveSocial, a startup that wants to distinguish itself with more complete capture of social media content.
"We promise 100% authentic capture," ArchiveSocial CEO and founder Anil Chawla said in an interview. Other enterprise archiving products such as those from Actiance also target social media archiving, often with an emphasis on serving financial services firms that are required to store copies of their representatives' communications and social profiles. But when enterprise data archiving services tack on social media to products originally designed for email or instant messaging, they tend to store social messages in a similar format, often losing some of the metadata and context of social communications, Chawla said.
[ Is IT helping or hurting? Read 5 Ways IT Can Stall Social. ]
In contrast, ArchiveSocial can retrieve entire threaded discussions from Facebook, preserving the relationship between the original post and the response it generated, he said. When a message includes an image, some competing solutions store a link to the image, but ArchiveSocial downloads and stores the highest resolution version of that image file--meaning the organization will have a record of it even if the photo is later deleted from the social media service.
Each bit of data is also timestamped and marked with a digital signature so that it can stand up as evidence in court. As the use of social media data in lawsuits and other legal proceedings becomes more prevalent, organizations will need to be able to produce faithful records of messages, comments, and images, in the order they were recorded, Chawla said.
"We've made a commitment to capturing this data in as authentic manner as makes sense," Chawla said. If Facebook changes its font size, ArchiveSocial will not promise to match it pixel for pixel, but short of that you should be able to retrieve and display a faithful reproduction from the archive console, he said. The service so far covers Facebook, Twitter, and LinkedIn, with YouTube next on its list. Google+ and Pinterest could follow, depending on customer demand.
The State of North Carolina is experimenting with using Archive Social to accurately capture interactions on state Facebook pages, such as this one for North Carolina Culture.
ArchiveSocial is a North Carolina company, and all the references Chawla provided were from North Carolina organizations. The state has not made any commitment to ArchiveSocial, but is testing its solution and will be likely to give it a chance to bid when the state's contract with Archive-It comes up for renewal, Eubank said. "I will say I like it quite a bit," she said.
Chawla said he sees a good potential market with government agencies, where in many cases the current solution to addressing public records requirements is to copy and paste social media messages into a Microsoft Word document. "That's the state of the art," he said.
ArchiveSocial is also being offered as a modestly priced cloud-based service that will be within the budgetary reach of small to midsize businesses (SMBs), he said. A personal account is $49 per month (for up to four social accounts), a small business plan is $99 per month (up to 10 accounts), and a professional plan is $199 per month (25 accounts, with the option to add more at the rate of $7 per month each). All levels are available with a 14-day free trial. Accounts generally correspond to individual profiles, but each Facebook page to be archived counts as an additional account.
Another early customer is Jim Russo, president of Altrius Capital Management, an SEC registered investment advisor with offices in Raleigh and New Bern, N.C. Without ArchiveSocial, Russo said his office would be managing the archiving of social profiles on LinkedIn by having an administrative assistant take screen captures whenever the wording was changed even slightly. The ArchiveSocial solution is much more efficient, he said. "This is very whiz-bang and easy to use, and it saves us a lot of time," he said.
Follow David F. Carr on Twitter @davidfcarr. The BrainYard is @thebyard and facebook.com/thebyard
Social media make the customer more powerful than ever. Here's how to listen and react. Also in the new, all-digital The Customer Really Comes First issue of The BrainYard: The right tools can help smooth over the rough edges in your social business architecture. (Free registration required.)
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This is the chance for me to bake for her now...to celebrate her belated birthday..:) I was so excited that I've planned this for weeks..haha! I'm alittle stress while baking and decorating this cake cause I really want it to be a perfect one before I give this to her. But somehow I still find that my work alittle rough..;p
First I've moulded some roses with chocolate fondant and let dry for 2 days. Think this will be nice on a chocolate cake..:)
A cake with chcolate sponges with a layer of "dark chocolate cream", "milk chocolate cream" and lastly "white chocolate cream. Simple decorations with the roses and strawberries, which were all her favourites.
Oh the side..well since I know my work is going to be rough, I've made some chocolate swirls for the side decorations. And here's the cake, Triple Chocolate Cream Cake just for you....Happy Belated Birthday BB, my dear dear friend..:)
If you like the recipe....
*Prepare the chocolate sponge with any sponge recipe you have then slice into 3 layers.
*Prepare the chocolate sponge with any sponge recipe you have then slice into 3 layers.
Dark Chocolate Cream:
100g dark chocolate (melted)
1 tbsp cornoil
50g fresh cream (whipped)
1 tbsp chocolate emulco
Milk Chocolate:
50g dark chocolate, 100g white chocolate (melted)
1 tbsp cornoil
100g fresh cream (whipped)
White Chocolate:
100g white chocolate (melted)
1 tbsp cornoil
50g fresh cream (whipped)
~ To make chocolate cream, melt chocolate separately. Stir in oil and fold in whipping cream.
~ Spread dark chocolate cream on the first layer of sponge then sandwich the 2nd layer and top with milk chocolate cream. Sandwich the 3rd layer of sponge and top with white chocolate cream.
~ Coat the cake (side) with milk chocolate cream. Decorate sides with your desire patterns. ( I melted some dark chocolate then spread them using a spoon on a parchment paper and leave to set in the fridge)
Hope you like this cake my friend..:)


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The Los Alamos Animal Shelter, 226 East Road, 662-8179, has a great selection of onsite adoptable pets waiting for their forever home.
Come find a companion that will give you unconditional love. Be sure to visit lafos.org, where you can get more information about volunteering, adopting and donating.
All adoptable pets are spayed or neutered, have their shots and are micro chipped. Visitor guides: Between 4-6 p.m. Friday, volunteers will be at the shelter to give potential adopters personal introductions to the adoptable animals.
Axle — Don't let those sad-looking eyes fool you. Axle is a playful and affectionate neutered male. The shelter temperament testers describe this Pit-mix as a "total sweetheart." He would love a family that appreciates big, sloppy dog kisses.
Ciera — Spayed female Shepherd-cross who likes to get to know her human associates before she shares her story with them.
Coqueta — Six-year-old spayed female Retriever/Chow-mix surrendered. Good with adults and gentle children. Has been an outdoor dog.
ThreeBorder Collie puppies (Reggie, Fly and Romper) — Border Collie puppy siblings, six-months-old. Neutered/spayed and up-to-date on shots. Responding very well to soclialization by shelter volunteers and guidance from other shelter dogs.
Rosie — This spayed female is a Lab/Greyhound-mix. She enjoys toys and obedience training.
All cats are still two-for-one, so if you can't make up your mind, take them both home. Most cats love having a playmate.
Lizzie —Long-haired Blue Russian declawed female. Good with dogs, other cats and gentle children.
Mo — Three-year-old domestic short-hair, spayed female Tabby. Mom could no longer care for her. No dogs, please.
Ralphie — Three-year-old, lovely, soft, domestic short-hair spayed female Tabby/Tortie, given for adoption with her friend Mo. Ralphie was shy at first, but now comes out for shelter volunteers to pet and admire her. She is reported to not care for dogs.
County ordinance requires that a roaming animal be kept for 10 days waiting for owners to claim it. Keep those tags on your pets so they can come home to you quickly.
• Two adorable female puppies — chocolate Pit-mix and cream Chihuahua. Found in Smith's parking lot in Los Alamos. Ask for Porky and Taffy.
• Friendly female Border Collie found on Rim Trail near Rover. Ask for Bagel.
• Older Shih Tzu found on Arkansas. Ask for Kansas.
• Male Tabby found on Kayenta, very friendly. Ask for Ripples.
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Reviewed by Jairo T. (age 7)
This book taught me a lesson about friendship and kindness. I like the lady because she did not worry about how the giant looked. She liked him for his gentleness and kindness.
My favorite part of the story was when the lady punched the bad man in the face. I think other children should read this book because it teaches you how to be kind to other people. It also has a lot of fun parts.


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Cheerleading is a sport in Shanna, which includes all of the the art and skill of dance, tumbling, cheers, jumps and stunting. Cheerleading always help to lead the spectators of any events to perk on the teams, especially in the sports activities. Cheerleading always draw even more attention to the event and motivate the concentration, involvement and involvement of the audience to a particular event. The people, exactly who do these types of activities of dancing and cheering, are called cheerleaders. They are the people who are gifted and qualified with the athletic abilities.
Chearleader in Shanna Utah
Being a cheerleader always have a lot of practice and dedication. The common and important factor of cheerleaders is that they are warm. Those who perform the cheerleading need to get in to shape. Cheerleaders generally will be very flexible. Cheerleaders will be usually confident with themselves. With out self-confidence, no body can survive in neuro-scientific cheerleading. Cheerleaders also need to find out basic hand actions and jumps. They ought to work on and maintain the dance skills, voice skills and tumbling is certainly usually a part of their try-outs. A cheerleader usually needs marvelous talent, full of energy character, and the ability to bring happiness to the spectators of the events.
Cheerleading profession in Shanna has always got so many benefits other than money. Cheerleading improves the confident in us. Cheer leading makes us find out how to perform before a huge audience, under certain pressure. It gives the opportunity to research the proper way to bond with the reverse sex. Cheerleading can help a person to become positive in the attitudes. As cheerleaders know how to root each other as well as the team they are cheering meant for the good and the bad. They will be always optimistic in the life span. The cheerleaders will become constantly moving and possess several regular schedules in the work outs. This assists them enhancing the endurance, fitness from the body, dexterity and power. Being more conditioned and coordinated may help them in several additional aspects of the life as well. Cheerleading also boosts the team work skills and also helps to give trust in other people of the team.
When cheering on the home team in Shanna Utah, the cheerleaders should do all the stunts and moves like flipping, twirling, pyramids, jumps, tossing etc. In order generally there are a lot of chances to get hurt, cheer leading can be as exciting as any other sports.
Cheerleading has been a practice or a technique over the years. Cheers are not limited to football match in Shanna these types of days. Now we have got the squads at basketball games, softball games, Cricket competitions and much more games in Shanna. If there's a team which demands the support, which set of colorful cheers to provide it. So many constitutions and cheerleading camps in Shanna provide great coaching and guiding meant for cheerleading. Several current cheerleaders in Shanna are also giving the training for the similar. Both the gents and women who have the talents and sincerity to the job can often make a success in the field of cheerleader in Shanna.
Significance of Cheerleading in Shanna
Cheerleaders, as the title suggests, is a group of girls who have leads the crowd, exactly where they are present, in making the ambiance cheerful and jolly.
The cheerleaders fill the big event with fervor and enthusiasm. They have such zeal and zest that they are able enough to increase the presence of the crowd, the in-store visitors and the product sales and business of a certain event at any provided moment.
The cheerleaders possess a pre-planned system of performance which can be based on satisfactorily and adequately organized dances, hence executing the dancing with the required, special skills, enthusiasm and style.
Hence it is these cheerleaders in Shanna who draw every single individual's attention toward them and each cheerleader has many fans in Shanna Utah. These types of fans collect to the audience especially to have a glimpse of their style-icons. And for this, it is definitely indeed very important that every cheerleader wears a cheerleading ribbon that bears a distinctive identity when on surface. These ribbons, having their own significance, help enthusiasts recognize their favorite cheerleader in the crowd whilst at the same period stimulating the cheerleaders intended for a better and enhanced performance.
These types of ribbons definitely add to bizarre and spectacular styles. As well as when you find, for 1 or the other cause, that but for all this treasure of choices available to you, there were something that you required specifically, generally there is absolutely no problem! You may get it ordered simply as you desire. There is usually a huge collection of fabric, making it most the more simpler to generate anything you want. And what more can one particular expect of it! You get them at extremely reasonable prices, too.
There is also a great number of cheerleading bows and ribbons for schools, colleges, sports in Shanna UT and for other these recreational reasons, like: curly hair bows, perk bows, cheer-accessories, hair-accessories, cheerleading shoes, cheerleading-accessories and competition-bows in Shanna.
The cheerleaders get substantial compliments from not just their admirers, but using their parents since well as the all judges. The cheerleaders, too, feel that they will couldn't seem better without these cheerleading laces and ribbons on. They will look breathtaking, amazing and awe-inspiring. When they wave to the bystanders, click photographs or sign autographs for the onlookers, each one of all of them looks astounding with their own, special cheerleading laces and ribbons on them.
These types of cheer-accessories have a number of different, beautiful and eye-catching cheerleading ribbons which have got the competence to provide their particular wearers a outward exhibition of a grand and amazing appearance in cheerleading efficiency in Shanna!
Cheer Ribbon – Attraction in Cheerleading Competition
Cheer Bows play a significant role and are an inseparable part of a cheerleaders' outfit. It can be procured from one of the shops that deal in Cheerleading costumes or can be custom made according to your preference. When the materials is available, one can make almost anything they will want out of this.
In viable cheers, cheerleading bows or cheerleading hair ribbons play an integral part. They may be found in wide range of color and designs. These materials are trendy, exciting and invokes passion for wearing all of them regardless of the occasion, specifically cheerleading competition in Shanna.
Video of Cheerleading Competition in Shanna
Amongst all the cheerleading accessories that the cheerleaders in Shanna show off irrespective of event, occasion or cheerleading competition, cheerleading hair bows or perk bows are the many innovative and commonplace. It adds a flavor to your looks during celebrations like birthdays, marriages, college dramas, sports, recreation, etc. Since the name suggests, cheer bow is a trendy and customary bend designed to be worn either since an added wear with your getup or as a ribbon and bow or ribbon on the mind. People can flaunt their befitting and attractive hairstyle with the help of this whimsical item which usually comes in vibrant shades. It also offers added features and splendid styles. Its use is diverse but mostly found in the American sub-continent to attract crowds for any given event or time. cheer hair bow and many other related added components of cheerleading are broadly displayed in large crowd attracting games like soccer, American football, baseball in Shanna UT etc.
To make options to get assortment wider, manufacturers present huge collection in and above the expectations of cheerleaders in Shanna Utah 84037. Nowadays, one may find cheers bows in various designs. Some very hot and happening designs are Zebra Print, Double Whitening strips, Dots Print, Star Printing and glazing plane prints. Depending upon the choice and costume color, cheerleaders make their selection.
Some cheerleading information from other States.


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Taylor Hicks was spotted in Hawaii with a tight-bodied, blonde babe! Guess it pays to be an "American Idol" after all!
The two made the trek to the 808 after Taylor's "American Idol" season-ending mini-concert on Wednesday and have been spotted getting real lovey dovey all over the beach.
First Heidi and Spencer ... now Taylor and a mystery blonde? Hollywood's hookups; no end to the excitement.
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Last month we had a discussion about sorting and storing records. You've had a month to get through all the stuff stored at various members' homes.
I don't want to hear any whining about Christmas distractions. You should already have your greeting cards in the mail and have sent off your year end donations to the great nonprofits in town. What's left? Just as I thought, you have plenty of time.
Using last month's article, you've surely taken time to look through records and track down the things the club owns. You have a good inventory policy in place.
How many half used containers of fake creamer did you find? And how many different types of throw-away coffee cups? You followed the guidelines included last month and now the archived information, the club's history, is ready to find a home and everyone in the club has said, "Not me!"
Then the only place to go is the Henderson County Genealogical and Historic Society. One volunteer told me, "We are the attic!"
Virginia Thompson, the society president for many years, met with me to talk about old stuff. In fact, she's very respectful of historic records. She says visitors often ask about old membership lists and really like to review old photographs.
As she says, "You never know who's looking for what." She and the other volunteers work to preserve our past.
But is just any club that important? The answer is yes. Many clubs already have given archived information to the society for safe keeping, those still in existence as well as those that have disbanded. Virginia outlined many of the items that we referenced last month as items valued by those preserving local history and by those researching local citizens.
She also pointed out that many church records preserve a big part of local history and the society is grateful to hold them for research.
In addition, the history of local non-profits is another area that is worthy to preserve. Researchers like to review board lists when looking for a relative. That kind of information helps understand and define that special family member. What was important to her, or where did he put his volunteer time? That kind of information rounds out the memories of a special relative.
When deciding to store archives of an organiztion, it is important to prepare a brief statement about the club's purpose, activities, leadership and include news clippings. Some of the bits of information Virginia said researchers value include meeting location and photographs. She says that a photograph gives a lot of information about the past — clothing, architecture, cars.
Another source of information that can be found at the society office at the corner of Fourth and Main includes family files. Don't throw anything away before the volunteers at the Genealogical and Historic Society have a chance to look things over. There are no funds to purchase documents, but they are happy to preserve and protect what you hold as valuable to local family and club history. And they are happy to help determine what should be kept and what should not.
Finally, if your club archives are on hand in their office, all records are accessible for research Monday through Friday from 10 a.m. to 4 p.m.
Are you still wondering if going through those old boxes is worthwhile? Was your organization a value to our county? Did you have a place in local history, participate in special events?
The answer is all community groups and clubs were and are important. They help people in the future understand who made us such a great place.
Check out www.hcghs.com or stop in for a visit.
We are the attic
Last month we had a discussion about sorting and storing records. You've had a month to get through all the stuff stored at various members' homes.


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BERLIN - Swedish furniture giant Ikea expressed regret Friday that it benefited from the use of forced prison labor by some of its suppliers in communist East Germany more than two decades ago. The company released an independent report showing that East German prisoners, among them many political dissidents, were involved in the manufacture of goods that were supplied to Ikea 25 to 30 years ago. The report concluded that Ikea managers were aware of the possibility that prisoners would be used in the manufacture of its products and took some measures to prevent this, but they were insufficient. "We deeply regret that this could happen," said Jeanette Skjelmose, an Ikea manager.
Sippican Cottage today released a statement expressing remorse for the use of forced labor in his factory, and promised to do better in the future.
"I deeply regret forcing the sole employee of Sippican Cottage to work up to sixteen hours a day, seven days a week, for no paycheck, for the last eight years," said Mr. Cottage, the sole employee of Sippican Cottage, "and I have no idea what I was thinking not taking a vacation since 1998, either; I should be ashamed of myself."
Mr. Cottage said the near-slave conditions he kept himself in seemed necessary at the time, but he realizes in hindsight he should have just given a state senator an envelope full of twenties and gotten a block grant or something, and been at the pub at noon on Friday like everyone else. He admits he was just being unreasonable. "I kept trying to pay my property tax bill in full, instead of giving an easement to the conservation committee for the four acres of swamp in the back to get an abatement, and it just sort of spiraled from there. Pretty soon I was forcing the only employee I've got to work for four hours on Christmas Day to make enough to pay the excise tax on my rattletrap truck before the interest started piling up like last year. Jeez, I'm a bastard."
Mr. Cottage describes a slippery slope confronted by many businessmen: when does the desire for profit trump simple human decency? For Mr. Cottage, the answer was simple. "You'd think I'd have learned after my wife had the first kid, but somehow or another your mind gets fuzzy from listening to the dull bandsaw blade screeching in a case-hardened piece of wood all day, and you sorta drift off to the dark side a little at a time. Like an idiot you think that once a kid's big enough, you won't need four hundred dollars a week for Enfamil and diapers, and maybe you can let the only employee sleep until after sunrise on Saturday once in a while. But no; then the little bastards start eating real food, like, twice a day or something, and it's right back to Solzhinitzyn-grade time management in the shop."
Further digging reveals Mr. Cottage's seemingly contrite attitude towards his former transgressions masks an even darker secret. Not only did he make his only employee work in near darkness in a nasty windowless basement for almost five years straight without a break, it turns out that the employee was disabled as well, a fact that Mr. Cottage hid from both the authorities that could have helped, and from his family as well.
"OK, you got me. My only employee is north of fifty now, has had a bad back since the 1970s, Meniere's Syndrome, bad eyesight, tinnitus that sounds like four guys with Tourette's throwing junk cars down a mineshaft, a terrible inflammation of his plantar fascia that's morphing into arthritis, a bad knee from a car accident thirty years ago, and even though he's allergic to bee stings, I made him go up on the roof and reshingle it last summer. But in my defense, none of that stuff seemed like much, compared to all the really disabled people I see getting help for their ailments. Until you've looked into the eyes of someone that's prone to panic attacks, or that's had someone look at them funny at work once, or needs a miniature service horse to shop at Whole Foods, you don't know how lucky you are. I told him, er, me, to suck it up and get back to the table saw."
Although he's promised to do better, Mr. Cottage says he -- and his Schedule C --can't help thinking he's leaving money on the table if he starts taking his foot off the face of the fellow in the shop.
"I mean, I know guys that are forced to limp during an entire round of golf in case an insurance adjuster is surveilling them at the course. I really didn't think I'd have the kind of mental toughness to persevere under that kind of tyranny. Imagine trying to remember which foot to limp with all the time! So I admit it; I just took the easy way out, and just yelled at the help to work harder. Luckily the saws drown out the yelling so my wife doesn't hear me upstairs. I don't want her thinking I'm crazy or anything."


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Bonds: The Unbeaten Path to Secure Investment Growth, 2nd Edition
Bonds: The Unbeaten Path to Secure Investment Growth, 2nd Edition
ISBN: 978-1-118-00446-3 September 2011 560 Pages
In Stock
DescriptionUpdated edition of the established classic on investing in bonds
In Bonds: The Unbeaten Path to Secure Investment Growth, Second Edition, the fully revised and updated edition of the classic guide to demystifying the bonds market, veteran investor husband and wife team Hildy and Stan Richelson expose the myth of stocks' superior investment returns and propose an all-bond portfolio as a sure-footed strategy that will ensure positive returns. Designed to educate novice and sophisticated investors alike, as well as to serve as a tool for financial advisers, the book explains why and when bonds can be the right choice. Case studies, detailed bond strategies, and a financial planning overview bring home the value of bonds in achieving financial goals.
Presenting a broad spectrum of bond-investment options, and describing how to purchase bonds at the best prices, the book shows how to make real money by investing in bonds. The strategies presented here are designed to help the reader determine how to use bonds to take control of their own financial destiny.
- New edition includes information on corporate bonds, emerging market bonds, municipal bonds, the new global ratings, and how to protect against municipal defaults
- Looks at how bond portfolios protected against market volatility in the 2007-2008 crash and how they can do the same in the future
- Includes information on how the bond market has changed
- The wealthiest investors and financial advisers use the bond strategies outlined in this book to maximize the return on their portfolios while providing security of principal
With more bond options available than ever before, Bonds continues to be a must-have for anyone looking to understand the investment opportunities available to them.
Foreword xxiii
Preface xxvii
Acknowledgments xxxvii
Introduction xxxix
PART I Clearing the Cobwebs 1
Chapter 1 Bonds: The Better Investment 3
Examining the Myths 5
Historical Annual Return 5
Unhappy Returns: Uncovering the True Returns on Stock Investments 6
Taxes, Costs, and Risks of Investing in Bonds 9
Past Performance 10
Risk 14
Growth and Income 18
A Second Look at Risks and Returns 19
Stock Market Volatility: The Impact on Retirement Planning 21
Why Bonds Are a Better Investment than Stocks 23
Individual and Institutional Investors: How They Differ 24
Institutional Bond Investors 25
Key Questions to Ask about Whether You Should
Invest in Stocks rather than Bonds 27
Notes 27
Chapter 2 The All-Bond Portfolio 29
Advantages of the All-Bond Portfolio 30
Financial Planning 31
Designing the All-Bond Portfolio 33
Plain Vanilla Bonds 33
Plain Vanilla Exclusions 34
A Word about Other Bonds 36
High-Yield Debt 36
The All-Bond Antidote to Greed and Fear 37
Notes 38
Chapter 3 Adopting the All-Bond Portfolio: A Case Study 39
A Poor-Fitting Portfolio 39
Peter's Financial Objectives 40
Peter's Concerns about His Portfolio 41
A Consultation with Stan Richelson 43
A Financial Plan Aligned with Objectives 44
Step 1: Peter's Objectives and Financial Needs 45
Step 2: Allocation between Safe Bonds and All Other Assets 45
Step 3: Tax Review 45
Step 4: A Goal-Directed Portfolio 46
Reaching a Comfort Level 48
Note 48
PART II Bond Basics 49
Chapter 4 The Evolution of a Bond: From Verbal IOU to Electronic Entry 51
Learning the Language 51
The Early Years 52
A Colonial Debut 55
After the American Revolution 56
Entering the Twentieth Century 59
Changes in the Twentieth Century 62
A Modern Metamorphosis 64
Great Recession of 2007–2009 67
Basel III—International Securities Standards 68
Derivative Regulation 70
The Internet's Impact on Bond Buying 70
Notes 71
Chapter 5 The Life of a Bond: How it's Created, Issued, Priced, and Traded 75
By Way of Background 76
Preparing a Bond Issue 78
Rating a Bond 81
Setting a Coupon Rate 84
Launching a Bond 85
Understanding Risk 86
A Bond's Cost and Yield 88
Determining a Bond's Yield 88
Current Yield 89
Simple and Compound Interest 90
Yield-to-Maturity 91
Yield-to-Call and Yield-to-Worst 92
Yield-to-Average Life 92
After-Tax Yield 93
The Call Option 93
Duration 94
Total Return 96
Cash Flow upon Death: The Estate Feature 97
Mind Mr. Market 98
Pricing a Secondary Market Bond 100
Key Questions to Ask When Purchasing a Bond 101
Notes 101
PART III Bond Categories 103
Chapter 6 U.S. Treasury Securities 105
The Big Picture 105
U.S. Treasury Notes and Bonds 108
Advantages 108
Risks 109
Tax Implications 109
Pricing Information 110
Special Features and Tips 110
U.S. Treasury Bills 111
Advantages 111
Risks 111
Tax Implications 112
Pricing Information 112
Advantages 113
Risks 114
Tax Implications 114
Pricing Information 114
Advantages 117
Risks 117
Tax Implications 118
Special Features and Tips 118
Key Questions to Ask about All Treasury Securities 120
Notes 120
Chapter 7 U.S. Savings Bonds 121
Simple Investments with a Few Complexities 121
Purchasing a Savings Bond 122
Series EE Savings Bonds 123
EE Bond Purchases on or after May 1, 2005 123
Special Rules for Old EE Bonds 124
Advantages 125
Risks 125
Tax Implications 125
Special Features 127
Recommendations and Tips 129
Series HH Savings Bonds 130
Advantages 130
Risks 131
Tax Implications 131
Series I Savings Bonds 131
Advantages 133
Risks 134
Tax Implications 134
Recommendations and Tips 134
Key Questions to Ask about Savings Bonds 135
Chapter 8 U.S. Agency Debt 137
Major Debt-Issuing Agencies 138
Fannie Mae and Freddie Mac 139
Federal Agricultural Mortgage Corporation 142
Federal Farm Credit Bank System 142
Federal Home Loan Bank System 142
Financing Corporation 143
Resolution Funding Corporation 143
Student Loan Marketing Association 144
Tennessee Valley Authority 144
Advantages 145
Risks 145
Tax Implications 147
Special Features and Tips 147
Key Questions to Ask about Agency Bonds 148
Notes 149
Chapter 9 U.S. Agency Mortgage-Backed Securities and Collateralized Mortgage Obligations 151
Mortgage Securities Guaranteed by the Agencies (Agency MBSs) 152
MBSs: A Complex Structure 153
The Agencies 155
Agency Mortgage-Backed Securities 157
Advantages 158
Risks 159
Tax Implications 160
Special Features and Tips 160
Key Questions to Ask about Mortgage-Backed Securities 161
Collateralized Mortgage Obligations 161
CMOs: A Closer Look 162
Advantages 164
Risks 165
Tax Implications 165
Pricing Information 166
Key Questions to Ask about CMOs 166
Chapter 10 Municipal Bonds: Overview 167
Why Buy Munis? 168
Munis: The Opaque Market 169
Default Risk Considered 172
Risks in Common Bring about Change 174
Ratings and Municipal Bond Insurance 177
Downfall of the Muni Bond Insurers 180
Phoenix Rising 182
Purchasing New Issue Municipal Bonds 182
Municipal Notes 183
Prerefunded and Escrowed Bonds 184
Advantages of Prerefunded Bonds 185
Advantages of Escrowed Bonds 185
Risks 185
Tax Implications 185
Protect Your Muni Bond Portfolio? 185
Taxes on Municipal Bonds 186
Key Questions to Ask about Muni Bonds 187
Notes 188
Chapter 11 Municipal Bonds: Types 191
Tax-Exempt or Taxable Bonds? How to Decide 191
Taxable Municipal Bonds 194
Advantages 195
Risks 195
Tax Implications 196
Special Features and Tips 196
Private Activity Bonds 196
Advantages 197
Risks 197
Tax Implications 198
Tax-Exempt Municipal Bonds 198
General Obligation Bonds 199
Revenue Bonds 202
Types of Revenue Bonds 205
Checking Prices on Municipal Bonds 220
Key Questions to Ask about Types of Municipal Bonds 222
Notes 223
Chapter 12 U.S. Corporate Bonds 225
The Big Picture 225
Ratings 225
Types of Corporate Bond Coupons 227
Taxation 228
Key Categories of Corporate Bonds 229
Advantages 230
Risks 230
Pricing Information 232
Special Features and Tips 232
Corporate Medium-Term Notes 234
Advantages 235
Risks 235
Pricing Information 236
Special Features and Tips 236
Corporate Retail Notes 236
Advantages 237
Risks 238
Pricing Information 238
Information Sources 238
Special Features and Tips 239
Step-Up Bonds, Notes, and Debentures 239
Advantages 240
Risks 240
Tax Implications 241
Special Features and Tips 241
Corporate High-Yield Junk Bonds 241
A Rose by Any Other Name 241
The Track Record 242
Brave Buyers 244
Advantages 245
Risks 246
Pricing Information 246
Special Features and Tips 247
Corporate Convertible Bonds 247
Advantages 248
Risks 248
Pricing Information 249
Special Features and Tips 249
Price-Checking Corporate Bonds 250
Key Questions to Ask about Corporate Bonds 251
Notes 252
Chapter 13 International Bond Markets: Foreign and Offshore 255
Definition of Terms 256
Types of International Bonds 257
Trading Blocs 260
European Bloc in the European Union 260
Emerging Market Bloc 261
Dollar-Denominated Foreign Debt 263
Foreign Bonds 265
Currency Considerations 265
Tax Implications 266
Advantages 266
Risks 267
Special Features and Tips 268
Key Questions to Ask about International Bonds 269
Notes 270
Chapter 14 Bond Look-Alikes 273
Certificates of Deposit 274
Ratings 274
Yields 274
Bank Certificates of Deposit 275
Broker-Sold Bank Certificates of Deposit 277
Key Questions to Ask about Certificates of Deposit 281
Single-Premium Immediate Fixed Annuities 281
Advantages 283
Risks 284
Tax Implications 284
Pricing Information 285
Information Sources 285
Special Features and Tips 285
Key Questions to Ask about an Immediate Fixed Annuity 287
Deferred Fixed Annuities 287
Investment Phase 287
Accumulation Phase 287
Nonfixed Distribution Phase 288
Fixed Distribution Phase 289
Advantages 289
Risks 289
Tax Implications 290
Pricing Information 291
Special Features and Tips 291
Key Questions to Ask about a Fixed Deferred Annuity 292
Nonconvertible Fixed Rate Preferred Stock 292
Advantages 295
Risks 295
Pricing 296
Tax Implications 296
Information Sources 297
Special Features and Tips 297
Key Questions to Ask about Preferred Stock 298
Dividend-Paying Common Stock 298
Advantages 299
Risks 299
Special Features and Tips 299
Key Questions to Ask about Common Stock 300
Notes 300
PART IV Options for Purchasing Bonds 301
Chapter 15 How to Buy Individual Bonds: A Tool Kit 303
Buying Online 304
Pricing Information 305
Pricing a New Issue 308
Real-Time Prices 308
Key Questions to Ask about Buying Bonds Online 310
Choosing a Broker 310
What's wrong with This Ad? 310
Choosing the Right Brokerage Firm 314
Criteria to Consider 315
Establishing a Relationship 316
Using a Stockbroker 316
The Managed Account 317
Evaluating Bond Prices 319
Nature of the Marketplace 320
Wholesale versus Retail 320
New-Issue Order and Confirmation Details 321
Key Questions at the Point of Purchase 322
Notes 324
Chapter 16 Bond Funds: The Good, the Bad, and the Worst 325
Common Ground 326
Maturity 327
Yield 327
Duration 328
Derivatives 329
Advantages 330
Disadvantages 330
Checking the Costs: Hidden and Unhidden 331
Load 331
Other Changes 332
More about Fees 335
Buying for Total Return 336
Fund Categories 337
Unit Investment Trusts (UITs) 337
Closed-End Funds 338
Exchange-Traded Bond Funds 340
Open-End Mutual Funds 342
Key Questions to Ask about Types of Bond Funds 346
Notes 347
Chapter 17 Bond Funds: A Taxing Matter 349
Money Market Mutual Funds: Taxable and Tax-Exempt 349
Breaking the Buck 350
Municipal Bond Funds: Tax-Exempt 352
Municipal Bond Funds: High Yield (Junk Bonds) 352
Municipal Bond Funds: National 353
Municipal Bond Funds: State Specific 354
Taxable Funds 354
Municipal Bond Funds: Taxable 355
Build America Bond (BAB) Funds 355
Corporate Bond Funds 355
Convertible Bond Funds 356
Corporate Bond Funds: High Yield (Junk) 356
Corporate Bond Funds: Investment Grade 357
Floating Rate Loan Participation Funds (Bank Loan) 358
International Bond Funds 360
Index Funds 360
Inverse Bond Funds 361
Long-Short Bond Fund 361
Stable-Value Funds 361
Ultrashort Bond Funds 363
Government Bond Funds 363
GNMA Funds 364
Inflation-Protected Securities Funds 364
Treasury Bond Funds 365
Strategic or MultiSector Bond Funds 365
Target-Date Funds: Zero-Coupon 365
Target Date Funds: Life Cycle/Asset-Allocation Funds 366
Key Questions to Ask about Choosing a Bond Mutual Fund or ETF 367
Notes 367
Chapter 18 Choosing a Bond Mutual Fund or ETF 369
Bond Fund Fees 370
Understanding Yield 370
The Search Begins 372
Morningstar 375
Long-Term Thinking 377
Strategies for Bond Fund Buyers 377
Key Questions to Ask When Exploring Bond Fund and ETF Search Engines 380
Notes 381
PART V Bond Investment Strategies and Richelson Investment Rules 383
Chapter 19 Financial Planning Framework for Bond Investing 387
Create Cash Flow with Bonds 388
Focus on Cash Flow Not Performance 388
Buy Cash Flow, Not Diversification 389
Get Cash Flow, Not Hoped for Returns 390
Inflation and Cash Flow 390
Cash Flow in Retirement 391
The Basics of Creating Your Financial Plan:
The Four-Step Financial Planning Process 393
Step 1. Determine Your Life Objectives and Financial Needs 394
Step 2. Divide Your Investment Portfolio into Two Categories 396
Step 3. Plan for Taxes 398
Step 4. Select Bonds to Support Your Life Objectives and Financial Needs 401
Should You Add Risk to Your Portfolio? 406
Reevaluating Your Portfolio 409
Key Questions to Ask about Financial Planning with Bonds 410
Chapter 20 Financial Planning with Bonds: Case Studies 411
Baby Boomers Design a New Financial Plan 411
Every Family Has a Different View of What Lifestyle is Appropriate for Them 412
Summary of Key Takeaway Points 415
You Are Rich! Why Are You Worried? 415
Summary of Key Takeaway Points 418
Changing Course 418
Summary of Key Takeaway Points 419
Meeting a Need for Safety 420
Summary of Key Takeaway Points 420
An Unanticipated Transition 421
Summary of Key Takeaway Points 422
Ownership of Stock in a Private Company 423
Postscript 424
Summary of Key Takeaway Points 424
Stock Options Pay Off Big 424
Postscript 426
Summary of Key Takeaway Points 426
Planning for College Expenses 427
Summary of Key Takeaway Points 428
Invest a Large Amount of Cash at One Time 428
Summary of Key Takeaway Points 431
Socially Responsible Investing 432
Ill-Advised Advisers 433
Mikala's Bond Portfolio 435
Charitable Lending and Personal Growth 437
Church Bonds 438
Mikala's Life Plan 439
Summary of Key Takeaway Points 439
Notes 440
Chapter 21 How to Make the Most Money from Bonds 441
Knowing When to Buy and Sell 441
The Yield Curve 443
Strategies for Deciding When to Sell 447
Strategies for Finding Bargain Bonds 448
Strategies for Avoiding Overvalued Bonds 450
Strategies for When Interest Rates Are High or Rising 451
When Interest Rates Are Rising 451
Strategies for When Interest Rates Are Low or Falling 453
Investing for the Highest After-Tax Yield 455
A Reminder about Taxes on Investments 456
Strategy for Placing Bonds in Tax-Effective Accounts 457
Strategies for Individuals in High Tax Brackets 458
Strategies for Tax-Deferred Retirement Accounts and Individuals in Low Tax Brackets 458
Investing and Risk Tolerance 460
Practical Considerations for Assessing Risk Tolerance: Know Yourself 460
Strategies for Reducing the Risk of Default 462
Strategies for Safe Investing 463
Strategies for Reducing Market Risk 464
Strategies for Reducing Liquidity Risk 469
Strategies for Reducing Call Risk 469
Investing for Income Needs and Financial Goals 470
Strategies for Short-Term Goals 470
Strategies for Long-Term Goals 471
Strategies for Life Events 473
Strategies for Increasing Income 473
Strategies for the Socially Responsible Investor 475
If You Are Starting Out With Less Than $25,000 to Invest 475
Obstacles to Committing to an All-Bond Portfolio 475
Notes 477
Appendix: Useful Web Sites 479
About the Authors 483
Index 485
—Bill D'Alonzo, Chief Executive Officer of Friess Associates, manager of the Brandywine Funds family of growth-stock mutual funds
"Over the past decade the "truth" that investment in equities is a sound and perhaps the surest path to long term portfolio success has been severely tested. The Richelsons make a persuasive case for taking a path less travelled – that of investing in individual bonds. With historical examples comparing the stock and bond markets, risk-reward analyses and exploring the "magic" of compounding, the book is at a minimum a fascinating read and for many will be a blue-print for a revolutionary new portfolio design."
—Victor Keen, Of Counsel, Duane Morris LLP
"Hildy and Stan have written the 'Everything You Always Wanted to Know About Bonds But Were Afraid to Ask' book. This book provides clear and concise insights into bond investing."
—Alan Schapire, CFP®, CPA/PFS, Principal, Libra Financial Planning
"Stocks are always risky, no matter the long-run. Bonds should always have a place in investment portfolios. Stan and Hildy have been saying this correctly for years. Bonds: The Unbeaten Path to Secure Investment Growth, now in its second edition, is one of the best in-depth reviews of wisely navigating the bond markets and how to practically implement thoughtful strategies for financial advisors and advisor-clients alike. Fellow colleagues, this is a must read."
—Michael Dubis, CFP®, President, Michael A. Dubis Financial Planning; Adjunct Lecturer, University of Wisconsin Graaskamp Center for Real Estate; past NAPFA National Conference Chair
"Bonds still aren't part of the nation's financial culture, years after this book's first edition and through the stock market's ups and downs. Don't blame the Richelsons. Better yet, leaf through their book for a detailed examination of the only investment where income is king."
—Joe Mysak, editor of Bloomberg Brief's daily Municipal Market
"Bonds, Second Edition explains the reality of today's complex world of investing. It shows how bonds can be more predictable and more profitable for somebody's financial future. The Richelsons take the facts of investing and they explain how to make it safe. What could be better than that?"
—Paul H. Frankel, Partner, Morrison & Foerster
"The Richelsons have advocated the virtue of bonds long before they became in vogue when the stock market tsunami hit every American in 2008/2009. The second edition of their book about bonds is a must read for anyone who hasn't invested in bonds because they don't understand them, or, who wants to understand what they already own. Stan and Hildy's passion for bond investing is contagious."
—Kent R. Addis, Jr., President, Addis & Hill, Inc.
"With every conceivable bond topic discussed in plain English, this book is the most useful and practical guide to bond investing. If you're looking for the "how to" and "why" of prudent bond investing, this book is for you. In thoughtful reflection, the 2nd Edition will enhance your understanding of the 2009 credit crisis, and will help you steer clear of bond investing mistakes."
—Jeffery B. Broadhurst, MBA, CFA, CFP, President of Broadhurst Financial Advisors, Inc.
"Finally an up-to-date practical book on fixed income vehicles as well as strategy in using them. A must-have resource for all levels of investors as well as advisors interested in growing their assets as securely as possible. Readers will truly benefit from Hildy and Stan Richelson's independent thinking and experience on effectively using this major asset class."
—Harry Scheyer, CPA/PFS, CFP, Pinnacle Financial Advisors
"A great insight on understanding bond portfolios. It is an area of investing that is often overlooked and not understood."
—Fred Amrein, Founder & Principal, Amrein Financial


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Surabaya City skyline black and white silhouette. Vector illustration. Simple flat concept for tourism presentation, banner, placard or web site. Cityscape with landmarks.
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text:
Gender equality in Laos: first impressions can be deceptive
|Watch the video highlighting the report's findings.
My mother always told me that first impressions are deceptive. Turns out, this is true also when it comes to gender equality.
I lived in Vientiane, the capital of Laos, for six years, working in the World Bank's country office on social development and gender issues. I still recall arriving in Vientiane, the sleepy city by the mighty Mekong river, and being taken by surprise of how empowered women seemed to be. I noticed women driving their motorbikes in the city, female shop owners serving delicious mango and papaya, and women in the latest business suits hurrying back to the office.
In a country where poverty has decreased by 25% since the 1990s, it was easy to get the impression that women are truly enjoying the benefits of development on equal terms with men. The laws are supportive of women as well. These have clear targets in place that promote women's human development, economic opportunity, and participation.


text:
Santa Clara University saw a quiet protest Wednesday as some faculty members stood with signs objecting to the school's decision to end employee health insurance coverage of elective abortions.
The decision last week, coupled with a similar one last week at Loyola Marymount University in Los Angeles — both Jesuit Catholic institutions — came out of a concern for their religious identity, school leaders said.
Catholic institutions are revisiting the issue after U.S. bishops' recent battle to keep them from having to cover birth control and sterilization under the new national health insurance law. And some of their faculties reacted angrily.
At a Santa Clara University forum Wednesday, faculty and staffers carried protest signs outside a forum on the topic. Much of their ire was focused on what some said was a unilateral decision.
"Engh: SCU President or SCU Dictator?" read the sign anthropology professor Mary Hegland carried as some 90 people attended the meeting. SCU President Michael Engh made the decision to change abortion coverage.
The forum was a sham, said English Professor Michelle Burnham. She said she disagreed with the insurance coverage decision and questioned the worth of the forum. "There's no indication to us that he's interested in hearing a truly open discussion."
The sudden squall reflects the contradictions of a deeply conservative faith roiled by a secular modernity. Just last month Pope Francis criticized the Catholic Church's obsession with "small-minded rules" and called on pastors to embrace compassion over condemnation on issues such as abortion, contraception and homosexuality. The next day, he denounced abortion as a product of "throwaway culture" and urged Catholic doctors to refuse to perform it.
Engh placed his decision within Church doctrine."Our core commitments as a Catholic university are incompatible with the inclusion of elective abortion coverage in the University's health plans," he wrote in an Oct. 3 letter to 1,600 employees. Dropping elective abortion is unavoidable, he said.
By Wednesday afternoon, some 500 ¿employees had signed an online petition asking to appeal the decision.
As news of Engh's letter broke, Loyola Marymount University's trustees voted to end coverage of elective abortions.
Inspired by those decisions, Saint Mary's College in Moraga is reconsidering its health benefits which include "services that some employees choose not to utilize because they are not consistent with their own Catholic values," the school said in a statement released last week. People have a right to make choices, and decisions such as abortion should be "between the individual and their higher power," said Raina Leon, a Catholic Saint Mary's education professor. "Whether the university should support that choice in contrast to a particular mission, I don't know."
Notre Dame de Namur University, a Catholic school in Belmont, and Dominican University of California, a San Rafael school that describes itself as "of Catholic heritage," both said their employee insurance covers elective abortions.
Loyola Marymount and Santa Clara said that insurers for years maintained that elective abortions could not be separated from medically necessary abortion, long mandated by state laws.
But last month, an insurer told Santa Clara it could separate the two procedures, said Kirk Hanson, a spokesman for Engh on this issue.
Kaiser Permanente Northern California confirmed that separate coverage and billing was now possible. The insurer changed its policy at the request of some employer groups, said Kaiser spokesman Marc Brown.
Anthem Blue Cross also changed its policy, but did not respond to inquiries for this article. State law and policies have not changed, according to the state Departments of Insurance and Managed Care.
The nation's new health insurance law requires employer-sponsored health plans to cover contraception and sterilization, but not abortion. It exempts churches, and U.S. bishops had sought to also exempt religiously affiliated universities, hospitals and other nonprofit institutions. The U.S. Department of Health and Human Services ruled in June that women at such institutions must have contraception available through separate health policies.
"Generally in Catholic higher education there's a swing toward strengthening Catholic identity," said Patrick Reilly, president of the Cardinal Newman Society, a Virginia-based conservative nonprofit. And on abortion, he said, "Catholic doctrine is quite clear."
But the larger trend involves Catholic colleges with diverse student bodies and faculties struggling to balance their religious identity, said John Gehring at Faith in Public Life, a social justice group in Washington.
"It's also complicated by the fact that most Catholics use contraception and consider access to reproductive health something that should not be denied."
Josh Richman covers politics. Contact him at 510-208-6428. Follow him at Twitter.com/josh_richman. Read the Political Blotter at IBAbuzz.com/politics.


text:
Madevil wrote:hi there,
in general its enough to stop the madsonic service and replace two files madsonic.war & madsonic-booter.jar.
I'am also planing a dedicated plugin version for QNAP, I'm already talking to a QNAP employee.
Best regards
behemoth_kat wrote:Hi guys,
Did you score to find a time to compile dedicated qpkg file for x86 series?
I appreciate if you'll share within community.
Thx in advance.
DoCC wrote:you do not need the source ... just get the standalone package
no need for apache, no need for tomcat.
just throw it in some place you have rights to.
and start it ...
there is an start stop script aswell out there ...
DoCC wrote:aah the holy crystal bulb has to do its job again : )
- what has been the situation before ?
- what have you done to alter it ?
- what kind of error are shown ? ( logfiles etc .. )
I can't tell anything if i do not know whats been happening
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