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Some other animal groupings (for real!):
A rookery of albatross
A congregation of alligators
A coalition of cheetahs
A colony of chinchillas
A parliament of owls.
My kinda clutter :) love this!
Wonderful composition sense.
Colours and lines taste is sublime.
this rocks! what a mischievous clutter of furry nonsense...
And a fine clutter they are!
cool! i love the color n the iconic features!!!
ohhh is so lovely, i love cats and their faces look so happy...
I love those kittys!!!
Of course you know I love this kind of clutter. I need this kind of clutter in the winter when the oil prices go up! Yeah I need them all over the bed to keep us warm. I just love your illustration Eric! Just clutteriffical!!!!! Yup a new word I just made up. You inspire me. he he he he
Gotta love a clutter of cats! Very colorful, too!
my first impression is this illo here looks like studio poster, it will be great to hang it up for display! great artwork!
Oh Eric! They are divine! Thanks for your comment on my blog...my first ever!
LOVE THIS! And wish I'd thought of it!!
This is the the most beautiful and wonderful clutter of cats I've ever seen! And I've fallen in love completely with the purple one:-) Beautiful illustration - I love your pictures so much!!
Very nice work Eric!
wonderful clutter:)...love your style.
Eric, I love your work!! Very old school feeling. Fantastic.
oh, such a charming expressions they have! love them :)
This awesome- this would make a great print!
Neat- I've never heard the expression before. What a great piece!
This is really sweet...love the pink polka dot kitty most!
what a wonderful collection of cats... wonderful composition in both color and group. Thanks for sharing.
Ohhh i was dreamming with cats yesterday, and they were lovely, just like these ones! gorgeous!
Sono BELLISSIMI !!!
I love the colors, the composition and the wonderful clutter of cats! Great job!!
super cute! I like that these are a departure from your normal style too... (of course I love your normal aesthetic- just saying!) : D
These have a really nice retro feel to them in their design and colors- love their faces and expressions!
Awesome. I like the two on the left, the orange one (orange also happens to be my favorite color) and the brownish one with the spot eye. My wife and I have accumulated three cats and as much as I like them, clutter is definitely an appropriate term. They enjoy overpopulating the sofa.
Parliament of owls! That's perfect. Someone needs to draw George Clinton and the gang as owls with a quickness.
These kitties are ADORABLE! :) And don't forget a GAGGLE of GEESE...I think that's right! :)
thx for your comment, i really appreciate it. i'm a big fan of your work, so that comment makes me feel great thx a lot again... :D
They're all so cute! Though I'm fairly sure the orange one is planning something diabolical. He's got that look ;)
I love animal groups, a murder of crows and a storytelling of ravens, they go on and on, but always love kitty clutter!
A very cool clutter of some very coooool cats! Eric, this is divine! I get a kick out of their expressions and the shape of their bodies. Sssshhh, I think they're about to break out in song. Always such a big fan of your work. :)
ooooh these are so cute!! i love cats and this clutter of yours are certainly wonderful!
WOW! I just discovered your blog, fantastic stuff! Love your style!
Ah!! Eric, your color choice is always a great inspiration.
awww I love it! Can you imagine how gross that litter box would be though?
great composition and love the cats
Luvin' the "kitty klutter!" The Kolor is krafty!!
We have a clutter of cats, the four of them like to hog the couch and the bed! I really like your illustration!
spot spot spot on! love the "quirky" orange tabby. he looks like he wants to cause trouble. :))
hey, what about, a murder of crows? always loved that one.
a clutter of cats! looks like my house :) a wonderful illustration..
Ooh, I like the tiny cute one... and the crazy one at the back! :-)
They are great, I love the different colours and variations in patterns and sizes.
Great illustration and I love the color palette!
I also am a fan of little known animal facts!
Thanks for your kind comment!
Totally charming! Love your clutter of cats. I also love the other "animal groups" - a parliment of owls and how about a murder of crows. Anyhow they could all be prompts for future illustrations. Brilliant!
Pretty kitties!
Thanks a million for the comment you left in my blog! it means a lot to me, especially coming from you because I think your work and style is amazing. This entry is beyond cute!
Very beautiful, Eric! Where in Texas do you live?- John
Nice color choices...sounds realistic to me...who hasn't at one time in their life, had a clutter of cats!! LOL
don't forget'human'! heehehee
Hey Eric,
I could wait no longer to do this. Come over to my blog page oohlaladesignstudio.blogspot.com I have a little gift for you.
My kind of clutter too, I really miss having cats around. Beautiful illo, the dark blue in the back has the funniest face! I also love your entry for "Memories".
Oooh... and you are missing "A Murder of Crows", something I've always considered quite odd...
Awwww i love the little blue one in the front row :o)
Adorable as always!!
OH MY this made my heart race it's so ADORABLE!!! Can you please make some notecards of your work? I want some!! The colors make me hyperventilate! :) (Sorry I'm way over the top tonight but I love this one so much...)
Nice variety of colors, great concept on clutter!
Ahhhhhh! Love it!!! Great idea!! A clutter of kitties is the best kind of clutter of all, especially your adorable lil fur balls! Adorable as usual!
Hello my dear friend Eric
I have an award for you, please come to my blog and pick it up
Hi, my name is Alessandra, I'm brazilian and I use to write child books in Brazil! Since june I have a blog
http://contoscantoseencantos.blogspot.com and I receive an indicacion to Prêmio Dardos. One of the conditions to win the Prêmio is indicate other 15 blogues to receive it. I decide indicate yours.
See the others in my blog:
Congratulations and excuse-me for my poor english!
Your blog is beautiful too! I dont Know if A Fada Emburrada will be translated to english. I'll be very happy! But this kind of negociation is our Editor who can decide. I really hope so!
nice work
nice use of shapes. i like it.
Soo cute!
absolutely brilliant...
is this for some kind of a competition? what with the topics and all...
Completely lovin' the multi-coloured cats! Very beautiful illustion.
Looks like this is award central! Eric, I have a sweet award for you to add to your collection. Please stop by when you get a chance.
I hope you weren't affected too badly by Ike.
n i thought i'm early to compliment u on this peice lol:)
long ist of compliments already ...looks amazin as usual ..i really lv ur stuff:)
wow - 65 comments! you are a popular guy. I have a "sweet" award for you over on my blog. if you care to play. love your cats!
I really love this picture! very well done and so cute!
That's got to be the cutest clutter I've ever seen!! *-*
I´ve discovered you in the favourits of Vanessa and I like a lot your blog. This family of cats is wonderful, apropiate for a big poster.
great cats!
love it.. meow


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JasonvdB necesitaba un nuevo diseño de otro y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 37 diseños de 18 diseñadores freelance.
Erin and Jason: Gettin' Hitched - http://www.ShareTheLove2011.com
A young couple (late-20's/early-30's) based in San Francisco having traveled the world for a year, lived in Manhattan and Philadelphia and share a love for world travel, an outdoor lifestyle, fine food and the alcohol that pairs, be it wine, beer or spirits.
Our Family and Friends
• Submit CS3 AI file, 300 dpi JPEG or PDF artwork
• Size: A7 - 5" x 7" invitation
• Prints 1-4 Colors
This will be printed on a wooden invitation, so natural colors are requested.
One-side printing
Interested in tree (oak, redwood, sequoia, or lodgepole pine) with "carvings" JV + ES inside of a heart
vintage feel (see examples, in "deer on wood," focus only on the deer on wood, not the entire jpg)
Together with our families, Erin Elizabeth Schneider and Jason Edward van den Brand request the honor of your presence at our wedding reception. Come celebrate with world cuisines and cocktails, live music and dancing on June 4, 2011 at 6 o'clock in the evening in Ann Arbor, Michigan.
For details and RSVP, please visit http://www.ShareTheLove2011.com

subset: commoncrawl


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Are you looking for a quality twist up Terry Towelling Turban Hair Wrap that is durable? Made in Australia from thick terry cotton weave, we are able to bring you the best quality towel wraps at affordable prices. It is an essential spa accessory to dry hair quickly Our super absorbent turban hair wraps are made from 100% terry towel cotton. Our hair wraps are better than the microfiber seen on TV or are available on other online websites Yes, our wraps absorb so much more moisture. They have many uses.
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The hair wrap fastens at the back with a loop and button to fit securely on the head. Instructions on how to fit the wrap are included with your purchase.
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- Brand: Covers N More
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Wiking has been reschedule for February 3, 2019.
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Tuesday, November 22, 2011
Thank You Paul
Posted by Jon McCaslin at Tuesday, November 22, 2011
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Jonathan McCaslin was born in Winnipeg, Manitoba and raised in Regina, Saskatchewan. Jonathan began playing the drums at the age of nine. He progressed through the Regina Lions Junior Band and the music program at his high school, Campbell Collegiate, soon developing a passion for playing the drums and jazz. Ultimately, Jon's interest in music led him to enroll in the Jazz Studies program at McGill University, graduating with distinction in 1999.
While at McGill Jon had the opportunity to study with some of the finest jazz educators in the country including Gordon Foote, Kevin Dean, Jan Jarcyzk, Chris McCann, Andre White, Michel Lambert and Dave Laing. He also attended the prestigious summer jazz workshop presented by the Banff Centre for the Arts in 1997, where he performed with Canadian jazz greats Hugh Fraser, Don Thompson and Kenny Wheeler.
Jon has also been fortunate to have performed with many of Canada's jazz elite including Charlie Biddle, Brian Hurley, Louise Rose, Alaister Kay, Mart Kinny, Gary Guthman, Mike Rud, Hadley Caliman, Greg Clayton, Chase Sanborn, Andre White, Tilden Webb, John LaBelle, Kevin Dean, Dave Turner, Ralph Bowen, Don Thompson, Dionne Taylor, Jim Vivian, Kelly Jefferson, Ian McDougall, Brad Turner, Jim Brenan, The McGill Jazz Orchestra, Jeff Johnston, Lorraine Desmerais, Steve Amirault, Hugh Fraser, Chucho Valdes, Kieran Overs, The Altsys Jazz Orchestra, Pat LaBarbera, The Regina Symphony Orchestra and The Montreal Jazz Big Band.
In the spring of 2002 McCaslin completed his Master's in Jazz Studies at McGill University where he studied jazz drumming, improvisation and composition.
In January 2003 Jon released his debut CD, "McCallum's Island". Featuring his quintet, the CD contains an exciting collection of McCaslin's original compositions, featuring himself and his band. The release of this CD was followed by a twenty-day tour of Western Canada, performing to enthusiastic, capacity audiences. During March of 2003 Jonathan was the recipient of a fellowship from the Kennedy Center for the Performing Arts and attended the "Betty Carter Jazz Ahead" residency in Washington, D.C. Along with twenty other distinguished young jazz artists, McCaslin was featured with such jazz icons as Terence Blanchard, Carmen Lundy, Winard Harper, Curtis Fuller and John Clayton.
McCaslin's quintet performed at the 2003 edition of the Montreal International Jazz Festival and was nominated for the General Motors Grand Prix du Festival (awarded to the most outstanding Canadian group). From 2004 until 2006, Jon toured North America, Asia and Europe with the high-energy, critically acclaimed music production troupe "Barrage". Featuring a cast of seven world-class fiddlers and a four-piece band, this dynamic show featured high-energy music and fiddle traditions from around the world set to upbeat choreography and movement.
In 2015, Dr. McCaslin received his Doctorate through the University of Toronto and completed his dissertation on the conceptualization of contemporary melodic jazz drumming. He is currently based in Calgary, Alberta where he maintains a busy performing and teaching schedule across Canada.


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ATS, Inc. necesitaba un nuevo diseño de otro y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 56 diseños de 26 diseñadores freelance.
How to Plan and Attain Your Goals
We build custom training programs for companies and curricula for consulting and training companies.
Small business owners and professionals.
The overall communication of the design needs to be the name of the training course: how to plan and attain your goals.
I attached a file that is an example of something we think has potential. Rather than all business people, however, they should be from all walks of life. For instance, a businessman, a doctor, an artist of some sort, a construction worker, athlete, etc. Also, rather than a money symbol, we'd like a trophy. Reds and oranges aren't the colors we want to go with; blues may look best. Feel free to play around with the background.
If you feel inspired to do something different that fits the theme and communication, feel free. We're open to all ideas.
The front should say the name of the course at the top. The name also needs to be on the spine.
Here's a template of the binder we will be printing this design on:
Please design a front, spine, and back.
Keep in mind that the design must read vertically.
Acceptable formats are .AI or .PSD with layers clearly labeled. Please also include fonts and remember to leave it editable in case we need to change minor things.


text: Letitia Tyler (1790-1842) was an American first lady (1841-1842) and the first wife of John Tyler, the 10th president of the United States. Two years before her husband assumed the presidency, Letitia suffered a debilitating stroke. As a result, she spent her entire tenure as first lady in a semi-invalid state, attending only one public function. She passed away in September 1842, the first first lady to die in the White House. Two years later, her widowed husband married the young socialite Julia Gardiner.


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We bring you the GIANT LIST list of the
Top 51 Kitchen Design Blogs - enjoy!
Your comments
Our Latest posts
We Recommend
Got stuff for us to write about?
We'd love to hear from you! If you think it's of interest to our readers, then please sent it to us - the email address is firstname.lastname@example.com
Or if you've ever fancied yourself as a writer, then send us a piece. It must be original and unpublished, and if we like it, we'll post it.


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There is nothing clever about big data.
In fact, I am growing rather tired of hearing about it and the gargantuan numbers that are rolled out every day.
"Big data" is big – the clue is in the title. It always has been big, it's just the speed at which we have seen it contextually change and become more relevant that has surprised many people. As far back as 1944, Fremont Rider estimated that, based on the growth rate of the Yale University Library, by 2040 it would occupy more than 6,000 miles of shelving. That was big then and today.
We have always had more data than we have known what to do with. The growth more recently has run parallel with that of digital processing power. Moore's Law, and a little less-well-known law sometimes called Kryder's Law, both pretty much say that, every two years, things get faster and storage gets cheaper.
So why are we so surprised that people are storing and doing more with their technology and data? History has already shown us there is a pattern here and it's only going to get bigger and faster.
Digital in its widest form has come down in cost dramatically in the past ten years. Once you move beyond the high cost of a physical device and into pure coding and data, then the cost of entry into these markets is almost zero. This has resulted in the huge explosion of various tools, games and apps all generating even more data, further magnified by our insatiable desire to connect to an ever-increasing number of people.
But what does it all mean to my business and what do I do with it? This is probably the single most important question being asked in company boardrooms today.
For larger companies with the time and the budgets, attribution modelling could give them insights into past consumer behaviour and help provide insights into where to spend generic media budgets. But speed is now the key in the dynamic markets we all operate in.
Big data sets still provide us with all of that historic information, it's just now we have a "bigger mirror" in which to look at the chaos behind as we drive the business forward.
And that's part of the problem. What most companies now have is just more historic complex data. Looking backwards in a rapidly changing market is not going to stop you driving your business off a "cliff", as Kodak and, more recently, Comet in the UK have found out.
In today's market, the ability to rapidly codify the information in a way that allows you to look at it, understand it and then be able to act upon it is critical.
This is something companies that have grown up in the new connected digital economy can do incredibly well. Companies such as Google, Facebook, LinkedIn, Amazon and Apple all understand the importance of connected data and the power that this brings to their organisations. They know the real-time, always-on nature of consumers brings with it a flood of information and expectations that can only be dealt with via automated systems. By connecting the pieces together, it provides speed and insights that could never have been imagined in the past, giving them the ability to react and engage at an individual level.
We see this in companies such as Amazon, which dynamically optimises against purchase behaviour to drive sales. At the other end of the spectrum, we see Google changing terms and conditions to allow it to connect all of its platforms. This lets the company collect behavioural data from the content we search for, watch on YouTube, send via Gmail, browse via Chrome and all the way through to how and where (through GPS) we interact on our Android smartphones.
So is this scary or beneficial? I think that is the big question yet to be answered. But, right now, as a consumer, I can only see the benefits. On my new S3 Android phone, I no longer have to actually search for information. Without setting anything up (other than logging into my Google account), my phone knows me. It tells me what the weather will be for the day, when the bus and Tube will arrive at my stop and, if there are delays, it gives me alternative routes. This, along with a whole host of other little useful things, I value. It works and it's great.
These companies have realised it's not the consumer who should be at the heart of any business, it's their data. And by automating the pieces, they can provide a genuinely personalised experience that makes me love them.
Successful companies in the coming year will be the ones that learn to automate their big data sets to produce creative experiences that target people as unique individuals rather than as part of a generic group.
It's about understanding the one rather than the zettabyte.
Russell Marsh is the group strategy director at Rapp


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2004 Jeep Wrangler Sport - Imminent ThreatPosted in Project Vehicles on October 1, 2006
We first ran into Matt Wells at the Rough Country 4 Wheeler's annual Snow Bash ("Snow Bash," May 2006), and he was blasting through snow that only super-modified Jeeps were able to make it through. When he did get stuck, we could swear he was having as much fun being stuck as he was getting stuck.
Matt was stationed in Germany with the U.S. Air Force at Ramstein Air Base with a two-wheel drive pickup. He was looking at heading back stateside to Wyoming, needed a four-wheel drive for the snow, wanted a Jeep, and picked up the first one he could, which happened to be a '97 TJ with a four-popper. The Air Force shipped the Jeep back to the East Coast, Matt picked it up in Maryland, and by the time he had driven it to Wyoming, he was sick of the four-cylinder.
It wasn't long after being stationed at F.E. Warren in Wyoming that he was able to find this '04 Sport TJ and sell the squirrel-powered Jeep. However, just a month after picking up his new six-cylinder Jeep, Matt got shipped to Iraq in support of Operation Iraqi Freedom. Before leaving the country, Matt dropped his Jeep off at T&T Customs for some much-needed attention. He used his tax-free regular and imminent-threat pay from his time overseas to pay for the work and came back to a new Jeep.
We ran into him again in Moab at the 40th Annual Easter Jeep Safari tackling every trail he could and loving every minute of it. His enthusiasm for wheeling was so infectious we followed him around for a day to shoot the breeze and this feature.
6PhotosView Slideshow
Chassis and Driveline
The inline-six was modified with an Airaid intake, Magnaflow high-flow after-cat exhaust and perched on 1-inch lift M.O.R.E. motor-mounts. The stock NV3550 was left alone. The NV231 got a P.O.R.C. slip-yoke eliminator while a Tom Wood's Custom Drive Shafts heavy-duty shaft and heavy-duty pinion yoke get the power to the rear Dana 44. The front driveshaft was lengthened and the straps were replaced with Tom Wood's U-bolt conversion kits.
The front Dana 30 got a T&T Customs truss, heavy-duty track bar, steering-stabilizer mount, and 4.56 gears along with an ARB Air Locker. The rear Dana 44 similarly got a T&T Customs truss with four-link mounts, 4.56 gears, and an ARB Air Locker. Both the front and rear ARBs have the air lines run through the axle vent lines for protection and avoidance of leaks.
Elevation comes in the form of a T&T Customs Y-link 511/42-inch suspension kit. The suspension includes a triangulated four-link rear, which allows the removal of the rear track bar. Damping the coil springs are a quartet of Rancho RS 9000 shocks that can be dialed in for a full trail load of tools or just a daypack for two-footed excursions.
10PhotosView Slideshow
Body and Interior
Outside, T&T Customs front and rear tubular fenders combine with a 1-inch body lift to provide plenty of clearance for the tires, even at full stuff, while a set of Rock Sliderz from the same company protect the rockers.
Up front, a Superwinch EPI 9.0 resides on a T&T Customs front bumper, while the stock rear bumper still "protects" the back. Matt's imminent-danger stipend while in Iraq didn't quite cover a rear bumper, but he's hoping to get one on there soon.
Inside, a T&T Customs sport cage protects the occupants, and a Sony CDX-F7715X pumps the tunes through Alpine Type-S rear and Infinity front speakers. While a Power Tank provides air for trail repairs, a fire extinguisher and first-aid kit stand by for any emergencies, and a Craftsman tool kit helps fix anything that might arise miles from anywhere.
Tire and Wheels
Pro-Comp MTs in a 35x12.50R15 flavor put the power to the ground, whether it be in snow, rock, or mud and are wrapped around a set of simple black steel rims
Good, Bad, & What's it for
This Jeep is a daily driver, weekend romper, and anything in between. The selectable lockers allow it to be driven in the deep Wyoming snow while still allowing all the traction that might be necessary when rockcrawling. The T&T Customs lift provides plenty of clearance, and the rear four-link setup just plain works
Matt decided to build the Jeep all in one shot because he didn't want to be forever tinkering with it. He wanted something he could wheel and drive to work without all the harried weekends of wrenching to attempt to make it into work on Monday.
5PhotosView Slideshow
What we think
The ARB air lines running through the axle vent tubes is a great idea and has posed no problems for Matt at all. The lack of a rear bumper and rear tow points is a problem, and we wouldn't have taken half the lines Matt did without something back there.
Between the high-clearance fenders, 5 1/2- inch lift, and 1-inch body lift, this Jeep is too tall for mere 35s. If it were a dedicated trail rig, we'd say throw some 37s on it and beat it. But then, of course, it would need new axles and so on.
We really think that some 3.5-inch coils should be swapped in to bring the Jeep down and make it more stable on the road, not to mention the trail. Then we'd put an oil pan skid and steering box skid on it and wheel it.
We tend to do all our own work, and while Matt did have the cage, suspension, gears, and lockers done, he did the rest of the work on the Jeep himself. Basically, he only farmed out what he couldn't do while he was overseas for our country, and we sure can't fault him for that.
10PhotosView Slideshow
Hard Facts:
'04 Jeep Wrangler Sport
4.0L inline-six
Transfer Case:
5 1/2-inch T&T Customs Y-Link
Dana 30 with T&T Customs truss, 4.56 gears, and ARB Air Locker (front);
Dana 44 with T&T Customs truss, 4.56 gears, and ARB Air Locker (rear)
15x8 steel Rock Crawlers
35x12.50R15 Pro Comp MT
Built For:
Daily driving and wheeling just about everywhere
Estimated Cost:


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Designed for performance enthusiasts and anyone who simply wants to get more out of their system, Crucial Ballistix Sport performance memory helps you do just that. Give your processor the resources it needs to perform and make your computer faster and more responsive.


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You probably know about the [F5] key - pressing [F5] opens the Go To dialog. You enter a range name or a cell reference, click OK, and Excel selects a range or cell, accordingly. It's a quick and easy way to get from one spot to another. What you might not know is that you can use this feature to select a range, where no range exists. Excel uses the current cell as the top-left anchor cell and you enter the bottom-right anchor cell (or vice versa). Excel will select everything in between, including the two anchor cells. The trick is to hold down the [Shift] key.
Let's work through a simple example. You can use any sheet, even a blank one, but we'll use this technique to select a small data range. Specifically, to use [F5] select A5:C21, do the following:
- Select A5.
- Press [F5].
- Enter C21 in the Reference field, but don't click OK yet.
- Press and hold the [Shift] key.
- While holding down [Shift], click OK.
That certainly was easy! I purposely chose a subset because there's an easier way to select an entire data range: simply press [Ctrl]+[Shift]+8.
This [F5] key trick comes in handy when you want to select a subset of a larger range, or even an area that comprises more than one data range. In addition, in a small range, a quick drag might be quicker, but you won't always be working with a small range that's visible on screen. It's just one more selection technique to have in your bag of tricks.
There are many ways to approach most selection tasks. Feel free to share your favorites!
Full Bio
Susan Sales Harkins is an IT consultant, specializing in desktop solutions. Previously, she was editor in chief for The Cobb Group, the world's largest publisher of technical journals.


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The mutual fund industry has been around for over 80 years and continues to be a significant investment option for Canadians. According to statistics by the Investment Fund Institute of Canada (IFIC), Canadians collectively have $926 billion invested in mutual funds. Unfortunately for this industry, there has been significant criticism of the fees investors are required to pay. Every mutual fund has a Management Expense Ratio (MER). The average MER in Canada is about 2.4 per cent, so that investors need to earn at least two and a half per cent to pay these fees before generating positive returns for themselves. An annual report has given Canadian mutual fund fees a failing grade for three years in a row - they're some of the highest in the world.
Do you k now what your fees are?
I often find investors have no clue what they are paying in fees.
I meet many every year at my workshops and when I ask if they know how much they are paying in fees, typically, in a room of 20 to 50 people, less than a handful say yes. Why is this happening?
Fees embedded
Mutual fund fees are embedded, or hidden. If investors could clearly see the fees being withdrawn monthly, they might be both more aware and more concerned about how high they are. Let's say you get your mutual fund statement and you see a five-per-cent return. What that statement does not tell you (in most cases) is you might have earned 7.5 per cent if it wasn't for a 2.5-percent fee that came off the top. Worse yet, if your statement showed a loss of six per cent, that 2.5-per-cent fee still came off. In other words, you would have only lost 3.5 per cent, but the 2.5-per-cent fee increased the loss to six per cent.
So, are mutual funds bad?
These fees may be high, but that doesn't mean mutual funds are not a viable investment option. They remain an appropriate investment for most Canadians. We just want fees to be lower and more transparent.
That being said, today there are more lower-cost alternatives to mutual funds than ever, including the increasingly popular Exchange Traded Funds (ETFs), which are geared more toward the do-it yourself investor. There are a great deal of opportunities today for doit-yourself investing, but I believe most people still benefit from guidance in this area.
Better disclosure , please
Most Canadians invest in mutual funds because they need help, and their financial advisers, banking representatives or investment professionals have put them into these funds. The fees generally include compensation to these advisers.
I believe advisers deserve to get paid for good advice and services (we can debate what that means in a separate article), but I also think there needs to be better disclosure about how much they get paid, especially when the compensation comes from the sale of products such as mutual funds.
Increased compensation disclosure will help investors understand exactly what benefits they're getting for the fees they are paying. I would suggest that most investors would be more willing to pay these fees if they had this information.
The bottom line
The bottom line is lower fees would be better for investors, as they'd increase their returns. In an environment where interest rates are low and stock market returns are modest, high mutual fund fees can really have an impact.
Advisers need to do a better job communicating and disclosing these fees. Right now, the minimum standard is to disclose the fees through the mutual fund prospectus. Yes, that's that 100-page booklet you got, which nobody reads. Greater fee disclosure will also force advisers to think more about their value proposition and what services they provide for their clients. That being said, investors also need to share in the responsibility and find out more about the fees they are paying. Make sure you ask tough questions about fees and compensation. You would never buy a car, a house, food, clothes, etc. without knowing the price first. So before you buy a mutual fund make sure you understand what price you are paying, how it's paid and how much the adviser is getting. They are obligated to disclose this information.
Jim Yih is a financial expert. Visit his award-winning blog , RetireHappyBlog.ca


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Lone departing senior Shawn Randall will be honored prior to tip-off
JOHNSON CITY, Tenn. (Feb. 28, 2014) – Looking to close out this season's home slate on a winning note, the ETSU women's basketball team will host the North Florida Ospreys on Saturday evening at 7 p.m. inside the ETSU/MSHA Athletics Center. Departing senior guard Shawn Randall (Orlando, Fla.) will be honored on the floor prior to tip-off.
Against the Jacksonville Dolphins on Thursday evening inside the Dome, the Bucs held a lead for almost the entirety of the first half and took a 35-33 advantage into halftime. Much like the first half, the second period consisted of tightly-contested play to begin. The Dolphins continued to answer ETSU to tie the game up on a number of occasions. With 10:22 to go, a pair of free throws gave JU its second, and largest, lead of the game, 47-45. After ETSU responded to take the lead back, Jacksonville went on an 11-0 surge from the 9:29 to 5:23 marks to pull ahead by 10, 58-48. With time running out, the Bucs battled back to whittle their deficit down to four with 1:33 left to play, but timely free throws down the stretch from JU allowed the Dolphins to come away victorious, 62-57.
ETSU was led by game highs of 18 points, eight rebounds and four blocks from Serena Clark (Stone Mountain, Ga.), while Shamauria Bridges (Miramar, Fla.) notched her third-consecutive double-digit scoring performance with 10 points.
ETSU (8-18, 4-11) and North Florida (5-21, 1-14) will square off Saturday in the 18th all-time meeting between the two schools; a series that ETSU leads, 12-5. The Bucs have won the last two meetings with the Ospreys including the most recent matchup earlier this season when the Blue & Gold came away victorious, 72-57, on Feb. 1 inside UNF Arena.
For more on Saturday's game, read the game notes below. For more on ETSU women's basketball throughout the 2013-14 season, visit ETSUBucs.com and click on the women's hoops link.
Game Notes
The ETSU Department of Intercollegiate Athletics would like to ask both the print and broadcast media to honor our request to be called "ETSU" throughout the 2012-13 season ... East Tennessee State in first reference is acceptable, but subsequent references should be ETSU ... On TV graphics, please use ETSU ... Our nickname is the Buccaneers, but Bucs is also acceptable.
The ETSU Buccaneers enter the 2013-14 season under the guidance of first-year head coach. Brittney Ezell. A two-sport star in basketball and softball at the University of Alabama, Ezell comes to ETSU after spending three seasons as head coach at Belmont University where she compiled a 41-52 overall record. The Franklin, Tenn. native takes the reigns of a veteran-heavy team that returns nine letterwinners from an 8-18 overall 2012-13 campaign. Among the nine returnees are six players who started 10 or more games last season. Highlighted among the returnees is last year's team-leading scorer and rebounder Destiny Mitchell who led the way with 11.5 points and 8.1 rebounds per game. Supporting Mitchell are juniors Serena Clark and Cara Bowling who each averaged 9.5 points per game last season.
As a result of a leg injury suffered in the first regular season game of the season at Memphis on Nov. 8, senior forward Destiny Mitchell will miss the remainder of the 2013-14 campaign. Mitchell will undergo surgery and continue injury rehabilitation while the ETSU compliance department petitions for a medical redshirt to have the forward cleared to participate in 2014-15.
Competing undermanned for the second-straight game, the ETSU women's basketball team outmatched the North Florida Ospreys behind a dominant second half as the Bucs soared past the Ospreys, 72-57, inside UNF Arena. The Bucs fell behind by as many as nine points early in the first half, but fought back to close the deficit to 36-32 at halftime. To start the second period, the Blue and Gold put the pedal to the metal and never looked back. ETSU scored the first eight points of the half, to take the lead, and manufactured an 18-2 run to take control of the contest. Increasing their lead to as many as 17 points with two minutes to play, the Bucs cruised to a 72-57 victory. Serena Clark notched her second-consecutive double, and eighth of the season, with 20 points and eleven rebounds. Forced into increased minutes due to ETSU's current lack of depth, freshman Jasmine Hotchkins played a career-high 28 minutes, which featured a career-best 12 points including a perfect 4-of-4 from behind the arc.
Over the Florida native's four-year career in Johnson City, the guard has appeared in 103 total games - starting 40 of these contests - and has totaled 579 points. Seeing action as a freshman, Randall poured in a career-high 21 points in her first-career start against Jacksonville on Feb. 14, 2011. As a sophomore, Randall scored a season and team-high 16 points on 7-of-15 shooting off of the bench at North Carolina on Dec. 11, 2011. The guard's 21 starts as a junior were highlighted by 18 points in a come-from-behind win at Kennesaw State on Jan. 19, 2013. Though slowed by injury this season, the criminal justice major has been a boost off of the bench for the Bucs, highlighted by a season-high 13 points versus USC Upstate on Jan. 19.
Pressed into increased minutes due to various personnel issues, junior forward Tiana Burley carried her team to victory in a 63-60 win over Kennesaw State on Feb. 20 inside the KSU Convocation Center. Off of the bench, the Georgia native posted a dominant 25 points in 22 minutes of play. This scoring mark is a career-high for Burley, while the nine rebounds are also a season best. Two days later, Burley added 17 points in a season-high 23 minutes of play in a loss at Mercer (2/22). The post player's offensive boost will be vital for the short-handed Blue & Gold down the stretch of the season.
Junior forward Serena Clark has been strong in 2013-14, scoring in double-figures in 14 of the 26 games this season. After falling just one rebound short of a double-double in the season opener at Memphis (11/8), the native Georgian reeled off four-consecutive double-doubles for ETSU in games from Nov. 12 - 29 including a career-high 21 points and 11 rebounds in a 82-65 win against Alabama A&M (11/29). The junior's most recent double-double came in a loss at USC Upstate (2/15) where she posted 10 points and 15 rebounds. Clark has now exceeded her double-double total from last season just 26 games into the 2013-14 campaign with nine this season and is poised for more throughout the year. The forward's 10.2 points per game currently ranks among the top-25 in the A-Sun, while her 10.2 boards per game are second in the league.
Junior guard Cara Bowling is currently the leading scorer on the team with 11.2 points per game during the 2013-14 season. Presently, this point total per game ranks among the top 20 in the A-Sun while her 1.7 three-point field goal makes per game is in the top 10 in the league. The Elizabethton native posted a career-high 22 points vs. Saint Francis (Pa.) (11/24) including four makes from behind the arc. The guard did miss six games this season, from Jan. 19 – Feb.1, due to a hip injury, and returned to action on Feb. 8 against Stetson. The junior also missed games at Kennesaw State (2/20) and Mercer (2/22) due to illness.
Sophomore guard Chandler Christopher has proved to be a valuable piece for the Bucs during the 2013-14 season. After spending the entirety of the 2012-13 campaign as a seldom-used freshman walk-on, first-year head coach Brittney Ezell liked what she saw from Christopher and decided to elevate the Greeneville native from walk-on to scholarship status prior to this season. Christopher has since recorded her first-career starts in 24 of the 26 games this season and has been a vital cog for the Blue and Gold. After netting two points, five rebounds and three assists in the opener at Memphis (11/8), the guard followed with career-highs of 17 points and four assists in an also career-best 37 minutes played in ETSU's 81-72 win at Appalachian State (11/12). Christopher's performance in the Bucs' first win of the season at App State led to her being named A-Sun Player of the Week by College Sports Madness on Monday, Nov. 18. The sophomore then added another team-leading scoring performance to her résumé with 15 points in a 77-69 loss to Morehead State on Nov. 21. In her first game off of the bench this season, the guard notched her first-career double-double with 14 points and a career-best 14 rebounds in a 74-68 win versus Kennesaw State (1/23). Recently, Christopher added career-highs of 17 points and five steals vs. Stetson (2/8).
Freshman Shamauria Bridges has been a great offensive boost for the Bucs during the 2013-14 season. The rookie guard is averaging 7.8 points per game in 22 minutes of play and has demonstrated the ability to knock down shots from the perimeter. The Florida native has knocked down at least a trio of triples in six different games this season including a season-best four in a loss at Mercer (2/22). In her first career start, Bridges led the Bucs with 19 points in a 74-68 win against Kennesaw State on Jan. 23. The guard also led ETSU in scoring with 13 points in a loss vs. Florida Gulf Coast (2/6). Most recently, Bridges scored a team and season-high 20 points at Mercer (2/22).
Through 26 games during the 2013-14 season, ETSU is currently averaging 65.3 points per game which is fifth in the A-Sun. With this points per game total also comes successes in field goal percentage, where the Bucs are fifth in the league at 39 percent, and in three-point field goal percentage, where ETSU is fifth in the conference at 31 percent.
After averaging 6.7 points and 4.4 rebounds per game in 26 games and six starts in 2012-13, junior forward Maria Bond has proved to be a force in the interior during the 2013-14 campaign. The native Georgian has started 24 games this season and is currently averaging 9.6 points and 5.0 rebounds per game. Bond posted a season-high 18 points in a 75-67 win versus Indiana State (12/18) and notched her first career double-double with 15 points and a career-best 15 rebounds at USC Upstate (2/15). The junior remains a vital piece in ETSU's paint production going forward.
Since the 2002-03 season the Bucs are 111-20 when the they hit the 75-point plateau, including 80-15 since the 2006-07 season. In the early portion of the 2013-14 conference season, ETSU put up 78 to defeat Lipscomb (1/2), 78-75, to earn the 111th such victory.
The Bucs have enjoyed a lot of success since joining the A-Sun in 2005-06 … since joining the league, the Buccaneers have averaged double-digit conference wins a year, including a league-best and school record 18-2 mark in 2009-10, three Atlantic Sun Tournament titles (2008-2010), and two regular season championships (2008 and 2010) …in total, ETSU is 109-57 (.656) against conference foes since moving into the A-Sun … the Bucs have also won 89 of their last 136 games against conference foes (includes A-Sun Championship games).
The Atlantic Sun coaches picked the Bucs to finish tied with North Florida at fifth, while in the media poll ETSU was selected seventh ... the coaches picked FGCU with seven first-place votes to win the conference, while the media selected FGCU with 30 first-place votes ... the Bucs finished the 2012-13 season in eighth place.
ETSU fans wanting to receive Buccaneer news, score updates, in-game promotions and much more sent to their mobile device can do so by signing up for "Buc Updates." Click here to sign up today!


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| Jiddat al Harasis (JaH) 055 Meteorite
The JaH 055 meteorite is classified as an L4-5 stony meteorite and is a nice example to have for that type. It has many visible chondrules.
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Charlie Worsham Returns, Sings Hall & Oates
Any time Charlie Worsham stops by the show, he has some surprise for us. Remember the Beatles Mashup? Well, it's been a while since Charlie has had any new music or been in the studio.
He came by to talk about his new song, "Cut Your Groove," but he also gave us a little bit of Hall & Oates, which is ALWAYS welcome.


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Still Point Inducer™, Firm, Solid RedThis ideal way to reinforce you professional craniosacral care by applying mild pressure to the back of head to encourage your own still points. Simple device can have far-reaching effects when it comes to releasing accumulated stress, relaxing the autonomic nervous system - even lowering a fever as much as 4 degrees Fahrenheit. The Still Point Inducer™ also can have a beneficial effect on acute and chronic musculoskeletal problems, including degenerative arthritis. In addition, it can be used to reduce congestion, swelling, headaches, anxiety, and overall tension.
There is nothing relaxing about this. Its painful, uncomfortable and I am returning it.
This item is pretty awesome and I'd say worth the money. At first I was somewhat skeptical but I have no regrets buying it. I'm glad I did. We just got it in the mail yesterday and both me and my boyfriend have already used it each twice when we get in bed.
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I bought this as an experiment to see if it really could ease tension in my head and neck. From what I can tell it makes a difference in head positioning but I still am not convinced of how effective it is at relieving tension.
It brings down blood pressure wonderfully .


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Hereditary condition characterized by acral blistering, keratotic papules which develop on the hands, elbows, knees and feet, cutaneous atrophy and macular or reticulate pigmentation. The acral bullae tend to resolve in childhood, whereas the other cutaneous findings appear gradually and persist into adult life. Some authors distinguish Weary's hereditary acrokeratotic poikiloderma from Kindler's syndrome, while others classify them as variants of the same disease.
Poikiloderma, Hereditary Acrokeratotic, Acrokeratotic Poikiloderma


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The call of the Internet demands swift, decisive, uncompromising justice. This prevalent reaction contains an astonishing irony. The NCAA missed elements of North Carolina's academic fraud in an investigation that turned out not to be thorough enough, so now it is being bossed into rushing another judgment.
What this circumstance needs, in fact, is all the time necessary to discover what actually transpired in Chapel Hill, how deep are its roots and how esteemed are the actors. It is essential the university itself be at the forefront of this examination because the prestige and honor of one of the nation's great institutions appears to have been compromised, and that's genuinely more important than a basketball game. Only in acknowledging, dissecting and correcting the full extent of the problem can UNC-CH begin to recover its reputation.
The most damaging blow yet was delivered this week when a document North Carolina acknowledged "appears to be a former student transcript" was discovered on the UNC website. It was a fortuitous discovery for adversaries of the university who'd been pushing to demonstrate that the academic fraud Carolina already acknowledged extended beyond the football program, where enrollment figures suggest it was concentrated, and into the far more accomplished basketball program.
This was true because the student who apparently compiled that transcript, Julius Peppers, played both sports at UNC. And because he succeeded in several offerings from the now-suspect African and African-American studies department while struggling terribly in many of his other courses.
There's a lot of deductive reasoning taking place regarding the Peppers transcript, starting with the circumstantial case that went into determining it belonged to him. The university acknowledgement that the transcript appeared to be genuine, however, makes that less a concern. It allows us to concentrate more on whether courses that have been acknowledged by Carolina as deficient or fraudulent in the latter part of the 2000s—taught or supervised in the department of African and African-American studies by then-chairman Julius Nyang'oro—were being phonied up much earlier in the decade.
The success of an otherwise non-performing student in the AFAM classes is not sufficient evidence, nor any kind of evidence, of impropriety. There are other plausible explanations for that success, starting with the possibility the student might have been motivated and engaged in those particular classes in a way he might not have been in other courses.
The presence of numerous athletes in the AFAM classes is not sufficient evidence, nor any kind of evidence, that the academic advisors working with UNC athletes were complicit in the acknowledged fraud. There are other plausible explanations for the athletes' concentration in those courses, starting with the possibility the advisors merely noted the success of particular athletes in those courses and concluded others would do well in them.
These might not be the likely explanations for what transpired. The likely explanations might seem closer to what is being suspected. But that is why it is essential North Carolina commence the sort of comprehensive self-examination Penn State undertook in regards to the Jerry Sandusky scandal. For all the pain and embarrassment that resulted from the Freeh report, Penn State is much closer to recapturing its soul today than Carolina, which has seen the details of this academic fraud bleed into the media for roughly a year without taking a single bold action in response.
There have been only minor steps, such as accepting Nyang'oro's resignation as department chairman. He was permitted, however, to continue teaching at the university and to draw a six-figure salary.
What is beyond dispute in all of this is that there was a degree of callousness at work in the UNC athletic department at least a dozen years ago that heretofore would not have been imagined. It is obvious not in Peppers' presence on the Tar Heels football team, but in his two seasons with the basketball squad.
Whatever the academic fundamentalists might declare about the presence of marginal students on college athletic teams, there is no great harm in the notion of potential pros "majoring in eligibility"—so long as the classes they take are legitimate and available to the general student body. In Peppers' case, the three seasons he played for the UNC football team have led to an NFL career that is into its second decade and has yielded career earnings in the neighborhood of $70 million.
Whatever the veracity of the AFAM courses that helped retain his eligibility, however, it is painfully obvious he was in no position to be competing in two sports at once while at UNC. According to the uncovered transcript with Peppers' name on it, he received Ds or Fs in 11 of the 27 courses for which he earned a letter grade.
It is difficult enough to justify that person playing one sport at the collegiate level, but adding a second to his load was egregious. What was coach Bill Guthridge's justification for accepting Peppers onto the basketball squad in 1999-2000—and Matt Doherty's decision to do the same the following season—other than the toughness and rebounding he added to the Heels?
That is the core of the scandal revealed by the transcript release: That Guthridge would accept Peppers onto the basketball team under these circumstances and that his superiors would approve it. Where it all goes from there is a matter that demands an extensive investigation, not a quick one.


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When the playoff microscope gets rolled out next week and experts begin to dissect the Orioles — assuming they hold on to at least an American League wild-card spot — one of the primary criticisms is going to be the club's overall lack of postseason experience.
No current Orioles player has won a World Series. Only four players on the current 40-man roster, not including those on the 60-day disabled list, have played in one — designated hitter Jim Thome in 1995 and 1997 with the Cleveland Indians, outfielder Endy Chavez with the 2011 Texas Rangers and pitchers Tommy Hunter and Darren O'Day with the 2010 Rangers.
All told, the Orioles have 13 players on their active 40-man roster who have played in a postseason game, but only Thome has what can be considered extensive experience.
So are the Orioles at a major disadvantage with so many players who have not endured the postseason spotlight, or will blissful ignorance play in their favor?
"It works both ways. I think as you get further into it, [experience] plays more," said Orioles manager Buck Showalter, who lost in the first round of the playoffs with the New York Yankees (1995) and Arizona Diamondbacks (1999). "The problem is there are not many times through the year that you play with finality. Lose this game you go home, win this game you get to continue. That doesn't happen much in baseball, so that's a different environment than they are used to."
As the Orioles' surprising season progressed and the playoffs became a more realistic scenario, club executive vice president Dan Duquette began looking to add players with postseason experience. He traded for Thome and veteran right-handed pitcher Joe Saunders, signed lefty Randy Wolf (now on the 60-day DL) and promoted 30-something outfielders Lew Ford and Nate McLouth from the minors.
"We targeted players for late-season additions that had playoff experience," Duquette said. "It's important you have some playoff experience on your team, so the guys that have been through the playoffs can show the other guys the way."
Thome, a likely Hall of Famer, was the most significant acquisition. He has had 217 at-bats and played in 67 games in the postseason in his 22 years as a big leaguer. Consider that the rest of the Orioles' active 40-man roster, including pitchers, has appeared in 71 playoff games and the position players have logged 131 total postseason at-bats.
"Playoff experience is hard to replace," Thome said. "My history of it is just enjoy every moment, it goes really quick. Take the time and sit back and breathe and really understand that you may not ever get this opportunity again. So enjoy every moment."
Thome's first postseason was in 1995 with the Cleveland Indians, a mix of hungry young stars such as Thome and Manny Ramirez and established veterans such as Hall of Famers Eddie Murray and Dave Winfield.
"We had guys who had a calming presence. I think that's the big thing," Thome said. "Let's face it, when you have a manager like Buck, he is that calming presence, which rubs off on all of our guys whether you're a veteran or a young guy or a rookie. That's a big thing. You kind of feed off your general, your guy and we've done that with Buck."
Still, no matter how much Showalter prepares his team for the postseason, initially it will be an overwhelming experience. That's just the nature of high-profile sports these days.
"It is a whirlwind, it was definitely a lot. People try to tell you, 'Hey, prepare for it.' The media is gonna be unbelievable," said Hunter, who at age 24 started a game in each round of the playoffs, including the World Series, for the 2010 Rangers. "I'll be honest, that was the tough part. Going out and playing the game, that was the fun part of the day. The terrible part of the day, I hate to say it, was the media. That's to be expected now, and I understand it."
Everything is magnified in the postseason, Hunter said, and young players need to make sure they don't lose focus or they can become a legendary goat in a matter of moments.
"Especially on the road, you have to make sure you take it one pitch at a time," Hunter said. "I had a couple instances when you fall behind and one hit turned into two runs quick, because you start thinking about stuff."
No one in the Orioles' clubhouse knows the lasting effect of the postseason glare more than Chavez, who became a cult hero in New York City in 2006 when he made an amazing, leaping snare of a Scott Rolen would-be home run in the sixth inning of Game 7 of the National League Championship Series that the Mets eventually lost to the St. Louis Cardinals, 3-1.
Not only did Chavez make the circus catch, but he had the awareness to immediately throw the ball back to the infield to double up Jim Edmonds at first base to keep the score tied at 1-1. Forever known as "The Catch," in Mets history, Chavez took two curtain calls that day at Shea Stadium, and the play has been immortalized with a plaque at the Mets' new home, Citi Field.
"The thing that happened in that game can happen to anybody at anytime. Honestly, when I made that catch I didn't think it was going to be a big deal here in the United States," said Chavez, a native of Venezuela. "But now when people see me, they just want to talk about the catch. I am not famous; the catch is famous."
Scott McGregor pitched in 356 regular season games with the Orioles, winning 138 of them. He also made six postseason starts, including losing Game 7 of the 1979 World Series after allowing two runs in eight innings, and a complete game shutout in Game 5 of the 1983 World Series to clinch the franchise's last championship. For some, those are the only games that mattered in McGregor's career.
"People say, 'Hey, I saw you pitch [on TV] today.' I'm like, 'Did I win or lose? Was it '79 or '83?'" McGregor, now the organization's pitching rehab coordinator, said. "It's something that is going to stay with you for the rest of your life. … The people in Baltimore can remember what pitch I threw when. It's a pretty amazing thing to get to a World Series and win. It never goes away, never goes away."
McGregor said these current Orioles remind him of the 1979 group that had budding stars such as Eddie Murray and Mike Flanagan and respected veterans such as Lee May and Terry Crowley. Playoff experience is helpful, McGregor said, but "can be a little overrated."
What matters most, he said, is that this team doesn't change its even-keel approach.
"The big thing you have to watch out for if you get into the playoffs is if you try to do more than you can. If you go, "OK, I'm in the playoffs now, I've got to be Superman.' Just keep doing what you are doing," McGregor said. "It is valuable experience, but the main thing that's happened here is that they have finally become a team and they have the winning attitude. And that's really what it is all about."
Despite popular belief, Thome said he's not convinced that veteran clubs with deep postseason experiences like the New York Yankees or the Texas Rangers hold an advantage over upstarts like the Orioles or Washington Nationals. Ultimately, he said, it's about ability and determination.
"Young talent is a big thing in this game. This is a young man's game. It is. Look at the young players coming up," Thome, 42, said. "Having a mixture of good veterans can help along the way. Not necessarily guide, but be that voice that maybe a young guy wants to go to."
Said Showalter: "Experience only goes so far. It's one thing to have been there, it's another thing be there [again]. Every team and every situation is different. But I think every time you get faced with something that you've done before, there is a certain comfort level. We'll see."
Current Orioles with playoff experience
(40-man roster players not including those on the 60-day disabled list)
Name Postseason Series World Series Total Games Record Innings ERA
Joe Saunders 3 0 4 0-1 18 6.00
Tommy Hunter 3 1 3 0-2 11 1/3 5.56
Darren O'Day 3 1 11 0-1 4 2/3 7.71
Jason Hammel 1 0 1 0-0 3 2/3 9.82
Luis Ayala 1 0 2 0-0 1 1/3 6.75
Name Postseason Series World Series Total ABs Avg. HRs OBP Slugging
Jim Thome 15 2 217 .217 17 .320 .470
Endy Chavez 4 1 40 .200 0 .200 .250
Mark Reynolds 2 0 26 .154 2 .241 .385
J.J. Hardy 2 0 24 .292 0 .346 .375
Wilson Betemit 5 0 19 .263 1 .333 .474
Lew Ford 3 0 12 .250 0 .357 .333
Bill Hall 1 0 8 .250 0 .333 .250
Nate McLouth 1 0 2 .500 0 .500 .500
Source: baseball-reference.com


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Nifenegger has a great mind, there is no doubt about that. She knows how to weave a plot together, how to shock in the most intelligent of ways. But in this novel I found the characters undeveloped (except for Martin, I loved his depiction, though I'm not sure what that storyline had to do with that of the girls) and more to the point they were, almost all of them, unlikeable. I couldn't understand the motives behind their behaviour at all.
The story becomes very dark, so much so that it made me uneasy. And yet I kept reading. Perhaps the author is saying: you may dislike these characters and find it hard to understand why they do what they do, but what does it say about you that you are still reading, that you derive enjoyment from this darkest of stories?


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Drops Lima - Off White (0100) - 50g - Product Description
Drops Lima is a 4 strand sport yarn, and an evolution of the incredibly successful, bestseller yarn, Drops Nepal. The wool fibre is untreated, which means it is not exposed to any chemical treatment prior to being dyed. This highlights the fibre's natural properties, while also providing better shape and texture quality. Drops Lima is often used successfully for outdoor garments, such as classic Norwegian sweaters and sportswear, that are usually knitted tight for good shape stability. This hard wearing and durable wool quality is combined with the lovely and comfortable properties that the alpaca is known for. A sport yarn with a little bit more luxury!
Drops Lima is available in over 20 different shades, some of which are mixed colours, which means the wool is manufactured by carding the colours together before spinning. As one of the largest stockists of Drops yarn in the UK, we stock every single colour and shade of Lima yarn that Drops produce. The chances are that if there's a shade of Drops Lima that we don't have, it is because Drops have stopped making it! Supplied in 50g balls, Drops Lima knits to a gauge of 21 stitches over 28 rows on 4mm needles, and there are approximately 100m / 109yds in every 50g ball.
Drops offer thousands of free patterns, covering their entire range of yarns, all of which are available to download and print out for free from the Garnstudio website - Garnstudio are the manufacturers of Drops yarn. We also stock the range of Drops Magazines, which contain between 20 and 50 patterns in each, and are priced at just £1 per magazine. Most people find that buying the magazines is cheaper than the ink and paper needed to print them out from the Drops website!
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|Do Not Bleach
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|Flat Dry
|Hand Wash Only
|Iron - Low / 110
|PCE Dry Clean


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Two consecutive lawsuits and three plans and we still haven't properly resolved the Yosemite Valley dilemma. It's one of the most gorgeous spots in the world, but that can be hard to appreciate in summertime when you spend most of your time staring at the rear bumper of the car in front of you because of traffic so intense that people can walk faster than you can drive. And that's saying something, because the throngs of people are so dense that getting from Point A to Point B on foot can involve a fair amount of pedestrian maneuvering, braking and cutting in front.
The answer, according to the National Park Service, is not to reduce the number of people who can visit the valley, or the cars, but to eliminate a vintage ice-skating rink, raft and bike rentals, and horse rides. More campsites but no pools at the hotels.
As overcrowded as the valley gets—close to 20,000 people a day in peak season--the first part of that plan makes some sense. People come from all over the country, all over the world, to see Yosemite in summer. Would they have to buy advance tickets? That seems like a sad way to operate a national park. Even worse would be turning them away at the guard gate once the valley gets too full; imagine some family from China or Germany that had planned a Yosemite day on their summer U.S. tour, only to be rejected at the gate. (Though there are plenty of other beautiful, if not quite as iconic, places to visit nearby.) The skating rink isn't well used, and yes, more campsites would be wildly popular. So far, so good.


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After completing this Sunday school lesson, children will learn that God has great things in store for all of us as we live lives that are pleasing to Him.
Angels, Birth of Jesus, Christmas, Mary, Pleasing God
AS KIDS ARRIVE (10 minutes)
Give an index card and pencil to each child as they arrive. Ask them to write down at least four things about themselves that make them likeable. When everyone has at least four things, collect all the cards. Then read them one by one to the class and have the kids try to guess who it is. After everyone has guessed, let the owner of the card speak up. How many did each child guess correctly?
This activity will prepare the kids to think about characteristics that are pleasing to God. They will also use this information as a reference during the scripture reading discussion questions.
OPENING PRAYER AND PRAISE (5 minutes)
Further info? Click here
MEMORY WORK (12 minutes)
"Therefore, as God's chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience." Colossians 3:12 NIV
Missing Vowels (Memory Verse Puzzle) Click here
SCRIPTURE READING AND DISCUSSION (15 minutes)
Many years ago in Galilee, in a town called Nazareth, there lived a young woman named Mary. She was about to be married. During those days, it was customary for girls to be promised to be given away as young brides as soon as they reached puberty, which is about twelve years old. This custom was called betrothal, or engagement. The girl's parents had a lot to do with these decisions, not like today where the man and woman decide if they want to get married. A betrothal is not a practice in our culture today, but that was not the only unusual thing about Mary's engagement. She also had a strange visitor just before she was married. This visitor gave her news that was not only surprising, but it turned out to be Good News for all ages to come. Our story today is found in Luke 1:26-38.
Read Luke 1:26-38 (Jesus' Birth Foretold)
Have the kids find this story in their Bibles. Ask for volunteers to read the passage, or if you prefer you can read it to the children.
Discussion Questions:
1. Does anyone know the significance of Gabriel's visit being on the 6th month? (Refer to Luke 1:5-25 for background information. Gabriel also visited Zechariah before the birth of John the Baptist, who was to be a prophet of the most high, and a forerunner of Jesus. Zechariah's wife was named Elizabeth, who was also Mary's cousin. John needed to be born before Jesus so he could tell the people to get prepared for the arrival of Jesus. The angel visited Mary about six months after John the Baptist was conceived.)
2. How did Mary react when Gabriel greeted her? (She was troubled at the greeting.)
3. After telling Mary not to be afraid, what was the Good News that Mary received? (She will give birth to a son named Jesus. He would be great, and called the Son of the Most High.)
4. Why was Mary chosen to be the mother of Jesus? (She found favor with God. See Luke 1:28.)
5. God was pleased when Mary surrendered to His Will and became obedient to Him. What other characteristics do you think Mary may have had that were pleasing to God? (The kids may want to refer to the list they created when they arrived.)
6. How about you? In what ways can you be pleasing to God, your parents, or your friends? Will others see you as a good person with these characteristics? (Allow for discussion.)
CLASS EXERCISE (15 minutes)
Knock-Knock (Game) Click here
APPLICATION (2 minutes)
There are many words in the English language that mean "pleasing to God". Virtue, goodness, holiness, righteousness, honor, uprightness, integrity, and morality are a few. When these characteristics are missing, the person is not complete. Just like a memory verse with missing vowels. But a person who is pleasing to God and pleasing to others can be used in a mighty way. That's how God used Mary above all the other virgins to be the mother of His only Son. How wonderful! Who knows what great things are in store for all of us as we live lives that are pleasing to God.
Do you know who your grandfather is? How about your great-grandfather? How about your great-great-grandfather? Next week, we will discover who the great-grandfather of Jesus was, with great said 38 times. Any guesses?
CLOSING PRAYER (2 minutes)
Further info? Click here
Give one copy to each child at the end of the class to take home. Click here for NIV or KJV [PDF]


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It's Not Her, It's You: Gwyneth (UPDATED)
(Lainey: get ready. There will be multiple Gwyneth posts for you today, because your cuticles need trimming. Here's Dean's take first.)
There's no denying that LaineyGossip is a pro-Gwyneth organization. It's a Paltrow Safe Zone. We love her (BECAUSE she's a dick most of the time). While acknowledging that bias though, I have still been, if not surprised, disturbed by all the sh-t that's been thrown at GP in the past 24 hours. Her latest crime against the humanity? Gwyneth's released a healthy cookbook.
Yesterday the New York Post published their review of It's All Good, Gwynnie's latest kitchen tome that's all about her "elimination diet" (no coffee, eggs, meat, potatoes, tomatoes, eggplant, corn, wheat) and they really tore her to shreds like never before. They called it a cookbook by someone who hates food. They laughed at the book's inspiration, which Gwyneth says was a combo panic attack/migraine. They compare her to anorexic college girls, writing…
"The book reads like the manifesto to some sort of creepy healthy-girl sorority with members who use beet juice rather than permanent marker to circle the "problem areas" on each other's bodies."
Obviously I understand that Gwyneth is an object of ridicule. I like to laugh at her too. What I don't understand here, though, is what's so offensive about trying to eat well? Yes, this diet seems extreme. Yes, there's a sanctimonious element. Yes, it's annoying to get unsolicited advice from rich and beautiful actresses. But that doesn't mean GOOP's got it wrong. The fact is the average Western person eats a lot of garbage and it would be nice to cut some of that garbage out while still preparing delicious food.
The Post also goes after her role as a mom. Gwyneth is criticized for photos "offering a rare glimpse of Paltrow's family, and, it seems, an attempt to position herself as a sort of everywoman". This is the moment that reveals Gwyneth just can't win. If she acts too bougie, she's a freak. If she tries to look normal, she's a phoney. The opposite of Gwyn's elitism is Rachel Ray's middlebrow Yummers-culture, and don't people hate her just as much?
I, for one, am happy to hear about what she does to try to raise healthy kids. I want to see what life looks like at the far end of the healthy spectrum, and expect nothing but the most extreme from Gwyneth. What does the New York Post want her to suggest? That after school she serves Apple and Moses a trio of Pizza Pops on a bed of Hamburger Helper?
Then there's the whole anorexic thing, the argument that all of Gwyneth's restrictions are just her way of gussying up an eating disorder. This is inaccurate; this is part of the irritatingly popular "eat a sandwich" attitude, and this is the position taken by someone who's never actually witnessed anorexia. When you're anorexic you don't eat food, but you also don't talk about food and you certainly would NEVER put the breaks on your Hollywood success to start a new career where you cook, talk and blog about food all damn day.
I'm not trying to say that everyone should buy or follow Gwyneth's new book. I'm certainly not going to be giving up coffee any time soon. I just wish a conversation about eating well wasn't always met with so much hostility. If you simply hate Gwyneth too much to take advice from her but you're still interested in reading about healthy cooking, I strongly suggest the new book coming out from New York Time's writer Mark Bittman called VB6 (Vegan Before 6:00). It uses some of the same basic principles, but they might be easier to swallow coming from someone who wasn't the star of Shallow Hal.
UPDATE: Dean would like to add that his reading of Gwyneth Paltrow's habits are based on his own experience as a teenager with anorexia.


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Propagating succulents from leaves is the thing that took my life from being a succulent admirer to a full on addict. Seriously! What could be more fun than watching little baby plants grow from seemingly nothing?!
Some of the links on this page may be affiliate links, meaning I receive a commission (at no extra cost to you) if you click on the link and make a purchase. I only recommend NSXZ Lace Boots Boots Short Yarn Martin 37 Woman's BLACK Retro rxSBw4Fr unless stated otherwise.
Join my Propagation Party!
You propagate some succulents and I'll propagate some succulents 🙂 Not sure how to propagate succulents from leaves? Click here to get instructions on how to start, or buy my ebook, The Secrets to Propagating Succulents, to learn about the whole process.
Tell me (and all our succulent friends) when you've started propagating by sharing a photo in our awesome Facebook Group!
We'll help keep you consistent with watering and help you out along the journey to lots of new plants! If you don't have succulents of your own to propagate from leaves, don't worry.
You have some options:
- Ask a friend if you can have some leaves from their succulent
- Buy an Scuba Anne Animal Dress Dahlia Klein Combo Womens Printed Sheath 6wzaCx succulent or two at your local Lowes, Home Depot, or Walmart and look for other succulents that have dropped some leaves (snag those and add them to the plant you buy)
- Buy as set of leaves from The Succulent Source to propagate (it's a fun mystery to see what leaves you'll get!)
Below you'll see some updates of how my leaves are growing. I'm hoping these will motivate you to give it a try. It's sooooo much fun!
Round 2Pointy Tassel Women's On Court Black Stiletto Shoes Slip Aisun Bowknot Toe High Elegant Heels Rp6pHq
These are watered a minimum of 3 times per week. They are outside in temperatures between 38 F and 80 F.
January 23, 2018 (Day 5)
Round 1 | Set 1
Started October 20, 2017 — These were photographed sporatically, but the dates are listed with each one. In the center of the orange tray are some cuttings (not succulents grown from leaves).
Also, these were kept outside in a Zone 9 climate. They experienced a few nights temperatures in the low 30s, but daily highs were approximately 65 F.
Slip Vans on Peanuts Black woodland Camo woodland Trainers Classic Kids' Unisex Watering has been inconsistent so growth has slowed.
Round 1 | Set 2
Second Set of Leaves Started on October 20, 2017
January 23, 2018 (Day 100)
Propagating succulents from leaves is so much fun!!! If you want to learn more about how to be successful, take a look at my ebook, Heel Crocs Wedge Women's Gold 81d Block Sandal Isabella Orange Bronze qqrat1, and I'll help you get from leaves to plants!
And if you're ready to propagate from leaves but don't have any to work with, just grab a set of leaves from The Succulent Source and you'll be on your way!


text:
Israel News - Stay Informed, Pray Informed
Israel Defense Forces (IDF) Chief of Staff Gen. Benny Gantz last week said that if Israel wants a return to quieter days in its southern regions, it will eventually have to reconquer the Gaza Strip.
On Wednesday, Gantz gave a presentation at a high school in the town of Gan Yavne, situated situated adjacent to the southern port city of Ashdod, a regular target of terrorist missile crews operating out of Gaza.
Students asked Gantz if it would ever be possible to put a full stop to the rocket fire that has effectively placed some one million Israelis under a kind of long-range siege.
Gantz responded: "If we want to make sure that nothing will come from there, we need to retake Gaza."
The general said Israel had made the strategic decision to "sleep on it," but indicated that reconquering the Hamas-ruled coastal enclave is a very real possibility.
Several high ranking Israeli officials, including Foreign Minister Avigdor Lieberman, were calling for just such action last week, days after Gaza-based terrorists pounded southern Israel with over 50 missiles and mortar shells.
At a rally in Gaza City on Sunday, Hamas Prime Minister Ismail Haniyeh (pictured) said any Israeli military move would be a major mistake.
"We tell the enemy…who is threatening to reoccupy Gaza that the time for your threats is over," Haniyeh declared. "Any aggression or crime or stupidity you commit will cost you a very high price."
On Saturday, hundreds of Israelis, including many journalists, received threatening cellphone text messages and emails from Hamas. The messages promised continued rocket attacks and kidnapping attempts against Israel, and vowed that the next Gaza war would result in Israel's demise.
One email message received by staff at Israel National News spoke of revenge for the 2004 elimination of Hamas founder Sheikh Ahmed Yassin by the IDF. It read:
"Ten years ago, Ismail Ahmed Yassin, our leader, was killed by three missiles as he left a mosque after morning prayers. This is a reminder that we do not forget our Sheikh's blood on your hands. We vow once again that we will take revenge, and cut off the heads of your commanders. Missiles killed our Sheikh and now, our missiles will hit every place in the State of Israel. Know that the next war will see the end of your country."
Want more news from Israel?
Click Here to sign up for our FREE daily email updates
For Information & Reservations:
E-Mail: email@example.com
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Topic: Cholesterol Myths (Read 3503 times)
Getbig V
Posts: 12997
loco like a fox
Cholesterol Myths
December 03, 2012, 08:48:38 AM »
By David Mendosa, Health GuideThursday,
November 22, 2012
The myths about cholesterol bear directly on the concerns that many otherwise well-informed people have about living a low-carb lifestyle. In fact, almost everyone will benefit from reading Dr. Bowdens new book, The Great Cholesterol Myth. Thats because belief in the myths that surround cholesterol is so widespread.
The basic cholesterol myths are the pervasive beliefs that cholesterol causes heart disease and predict heart attacks. In fact, Cholesterol is an essential molecule without which there would be no life, the book says. It is so important that virtually every cell in the body is capable of synthesizing it. Furthermore, there is no correlation between cholesterol and heart attack.
Consequently, even when we eat foods like eggs and seafood, which are high in the so-called lousy cholesterol -- low-density lipoprotein or LDL -- our bodies just respond by making less of it internally. The cholesterol myths also include the mistaken belief that fat, particularly saturated fat, is dangerous. The fact is that it isnt. The dangerous fats are the artificial transfats that manufacturers produce from partially hydrogenated oils.
The myth connecting cholesterol and fat is what has scared many people on the basis of poor science -- or no science at all -- for at least 30 years. The result of this myth has been our decline in nutrition and an increase in diabetes and obesity as we substituted unhealthy polyunsaturated oils and added sugars and processed carbs for healthy fats.
These interconnected myths that lead us to terrible nutrition are bad enough. But worse follows. When we combine the Standard American Diet with the standard American beliefs that high LDL cholesterol levels are bad and that popping pills are good, we get the statins.
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Getbig V
Posts: 18157
Fuck the mods
Re: Cholesterol Myths
Reply #1 on:
December 03, 2012, 03:01:32 PM »
cholesterol is good
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Getbig III
Posts: 583
Re: Cholesterol Myths
Reply #2 on:
January 03, 2013, 08:09:00 AM »
Was a good read. Interesting they said that statin drugs are not really proven effective but yet they are highly prescribed.
Do I smell a way for pharma to get rich? Things that make you go hmmmm....
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Getbig V
Posts: 18157
Fuck the mods
Re: Cholesterol Myths
Reply #3 on:
January 03, 2013, 09:07:31 AM »
Quote from: JAM on January 03, 2013, 08:09:00 AM
Was a good read. Interesting they said that statin drugs are not really proven effective but yet they are highly prescribed.
Do I smell a way for pharma to get rich? Things that make you go hmmmm....
statins make healthy people sick (by lowering total cholesterol (including HDL and fluffy large particle LDL)
this allows big pharma to market more drugs direct to consumers to deal with the side effects (without of course saying that the cause it the statin)
statin side effects
Muscle pain and damage
The most common statin side effect is muscle pain. You may feel this pain as a soreness, tiredness or weakness in your muscles. The pain can be a mild discomfort, or it can be severe enough to make your daily activities difficult. For example, you might find climbing stairs or walking to be uncomfortable or tiring.
Very rarely, statins can cause life-threatening muscle damage called rhabdomyolysis (rab-do-mi-OL-ih-sis). Rhabdomyolysis can cause severe muscle pain, liver damage, kidney failure and death. Rhabdomyolysis can occur when you take statins in combination with certain drugs, or if you take a high dose of statins.
Liver damage
Occasionally, statin use could cause your liver to increase its production of enzymes that help you digest food, drinks and medications. If the increase is only mild, you can continue to take the drug. Rarely, if the increase is severe, you may need to stop taking the drug. Your doctor might suggest a different statin. Certain other cholesterol-lowering drugs, such as gemfibrozil (Lopid) and niacin (Niacor, Niaspan), increase the risk of liver problems even more in people who take statins.
Although liver problems are rare, your doctor will likely order a liver enzyme test before or shortly after you begin to take a statin. You shouldn't need any additional liver enzyme tests unless you begin to have signs or symptoms of trouble with your liver. Contact your doctor immediately if you have unusual fatigue or weakness, loss of appetite, pain in your upper abdomen, dark-colored urine, or yellowing of your skin or eyes.
Digestive problems
Some people taking a statin may develop nausea, gas, diarrhea or constipation after taking a statin. These side effects are rare. Most people who have these side effects already have other problems with their digestive system. Taking your statin medication in the evening with a meal can reduce digestive side effects.
Rash or flushing
You could develop a rash or flushing after you start taking a statin. If you take a statin and niacin, either in a combination pill such as Simcor or as two separate medications, you're more likely to have this side effect. Taking aspirin before taking your statin medication may help, but talk to your doctor first.
Increased blood sugar or type 2 diabetes
It's possible your blood sugar (blood glucose) level may increase when you take a statin, which may lead to developing type 2 diabetes. The risk is small, but important enough that the Food and Drug Administration (FDA) has issued a warning on statin labels regarding blood glucose levels and diabetes. Talk to your doctor if you have concerns.
Neurological side effects
Some researchers have studied whether statins could be linked to memory loss or amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease. While there's little evidence that statins can cause ALS, the FDA warns on statin labels that some patients have developed memory loss or confusion while taking statins. These side effects reverse once you stop taking the medication. Talk to your doctor if you experience memory loss or confusion. Don't stop taking your statin medication before talking to your doctor.
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Getbig III
Posts: 583
Re: Cholesterol Myths
Reply #4 on:
January 03, 2013, 12:30:17 PM »
Good info!
All those sides to fix a number range of cholesterol. Potential 7 things to fix one. LOL ... WOW!
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Getbig V
Posts: 18157
Fuck the mods
Re: Cholesterol Myths
Reply #5 on:
January 03, 2013, 01:11:49 PM »
Quote from: JAM on January 03, 2013, 12:30:17 PM
Good info!
All those sides to fix a number range of cholesterol. Potential 7 things to fix one. LOL ... WOW!
and not necessarily fixing anything... cholesterol guidelines are very broad... what is high for one person is not high for the next
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Getbig III
Posts: 583
Re: Cholesterol Myths
Reply #6 on:
January 03, 2013, 10:31:41 PM »
Couldn't agree more! And I think that is true for many things but doc's seem to be hung up on making numbers right only and I think sometimes as a result miss the bigger picture. I understand though .... they probably don't want to get sued.
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Getbig III
Posts: 766
Re: Cholesterol Myths
Reply #7 on:
January 04, 2013, 01:46:18 AM »
Very cool video that i send to people regularly.
it has a sort of appeal to authority which is way it works so good on layman...
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Getbig V
Posts: 6094
Re: Cholesterol Myths
Reply #8 on:
January 09, 2013, 09:00:59 PM »
A co-worker of mine has been on a high fat low carb diet since Jan 1st and he's leaning out rather quickly. Only 9 days in. Quite surprising. He's eating bacon, eggs, pork ribs, ground beef, flax, and a few other things, can't quite remember.
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Getbig V
Posts: 18157
Fuck the mods
Re: Cholesterol Myths
Reply #9 on:
January 10, 2013, 03:35:21 AM »
Quote from: Rudee on January 09, 2013, 09:00:59 PM
A co-worker of mine has been on a high fat low carb diet since Jan 1st and he's leaning out rather quickly. Only 9 days in. Quite surprising. He's eating bacon, eggs, pork ribs, ground beef, flax, and a few other things, can't quite remember.
Yup. Been there. I eat relatively low carbs (120g or less daily. Mostly from yams & fruit). Has helped me control my appetite and stay lean.
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Getbig V
Posts: 15403
getbig Zen Master
Re: Cholesterol Myths
Reply #10 on:
January 10, 2013, 03:41:58 AM »
Quote from: mik1111 on January 04, 2013, 01:46:18 AM
Very cool video that i send to people regularly.
it has a sort of appeal to authority which is way it works so good on layman...
It´s good i love eggs...funny when you think about it years ago Vince Gironda recommended lots of eggs !!
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text:
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text:
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RealTraps MiniTraps are 2 by 4 feet, 3-1/4 inches thick, and weigh 18 pounds. [Metric: 61 x 122 x 8 cm, 8 kg] Despite their small size these are real performers that have exceptional specs, especially at low frequencies. Mini Traps perform far better than anything else in their price range, and better than products that cost a lot more too! No bull!When mounted in corners Mini Traps absorb very well to below 80 Hz, and are still effective (0.30) to as low as 40 Hz. One reason MiniTraps are so much more effective than other treatments is the air gap behind the panels. When mounted on a wall with a spacer, sound gets behind a MiniTrap so its rear surface can also absorb. This air gap increases absorption as much as fifty percent, and also extends absorption to lower frequencies when compared with flat wall mounting. When placed straddling a corner the absorption is even greater, especially at low frequencies. Not only because sound waves can get to the back of the trap, but also because low frequencies tend to focus in corners.
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Condition New Panel Size 2 x 4
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