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Top Valentine's Tips
After doing several interviews with TV and print media leading up to Valentine's Day, I thought I'd post a few tips I've been talking about:
Top Valentine's Tips for Singles
• Break out of your pity-party mode by planning a Bring-a-Friend party for next month: Pick a date and a venue, then invite 10-20 friends and tell them to each bring one single friend that you don't know. Just think of all the new people you'll meet!
• Look through your contacts and email at least three friends who you haven't been in touch with in a while — guys or girls. Getting into a new social group can mean introductions to your perfect match
• Consider an online dating site — many are offering free trials over this holiday weekend
Top Valentine's Tips for Those in a Relationship
• Showing your love doesn't need to cost a fortune: Consider a picnic in your living room, a nearby day-hike or snuggling up and watching your favorite romantic comedy.
• Love letters never get old: Write at least five reasons why you think your special someone is the tops. Or slip a little love-note in your spouse's wallet so they'll find it later in the day and be surprised.
• Figure out each other's "language of love": We all give and receive love differently — some show love verbally, others through hugs, others through actions. Which way do you show love–and which way does your significant-other receive it?
Here's to a great day of love, chocolate and cheesy movies!
Single on New Year's? You're Not Alone
A new CatholicMatch.com poll has given us some data to prove what we already know: The holidays are a tough time to be single. Among more than 3,700 online CatholicMatch users polled in the December survey, 40% said that Christmas was the roughest time of the year to be unhitched… with New Year's Eve a close second with 32% putting it in the number one "ugh" slot.
"I think all holidays are bad without someone special to share them with, but I have my family for most of them," reported Michelle-407188. "I would have to say the worst is New Years. New Years is for being with close friends! I is way more fun to share it with someone special then alone!"
Women were slightly more likely to vote their solo New Year's as most depressing – 35% of women compared with 28% of men – and the older you were, the worst it seemed to watch the ball drop without someone to smooch at the end.
If you're ringing in the New Year solo this year, try to get with a larger group of friends and head out to a party or local bar. There will be other singles there, too, and who knows who you might meet. Or try online dating: It's going to be a New Year's Resolution for many to get online to find a good match.
A few other tips for finding true love in 2010:
1. Get out there. No, seriously. Leave your house. I hear from many of you who tell me you're looking for a relationship, but you're too tired to go out when you come home from work, or you spend Friday and Saturday nights with your closest friends at someone's house. God is very powerful, but it seems unlikely that Mr. or Ms. Perfect will appear with flowers outside your door. Go out and meet some new people!
2. Host a singles pot-luck dinner party. Invite four single friends, and tell each friend to bring a single friend—and something to eat. Make sure you've got even numbers of guys and girls, and see what happens!
3. Use props. Dating coach Nancy Slotnick recommends wearing or carrying something unique with you to provide a conversation starter. I have a friend who wears six watches on one arm, and another who has various funny-sloganed pins all over her bag. Even a hat might do the trick…(Check out a Q&A I did with her a few years back.)
4. Take a class. Boys, cooking school classes are a great way to meet girls. Ladies, your local climbing gym, perhaps? Classes where it will only be your same gender don't count. Mix things up a bit!
5. Ditch your bad attitude. When someone pays you a compliment, do you explain yourself, downplay yourself or otherwise diminish the achievement? Be positive and upbeat—and be free with your compliments to others as well.
6. Throw out your list. So many of us have a checklist of things we're looking for in a mate. "He has to be these 10 things and then I'll know he's the one…" or "As long as she can be all the best of myself, my mother, my sister and my best friend all combined, she'll be perfect." I met the man who was all 10 things on my "perfect-match" list…and he was a total dud. Love evolves, emotions can surprise you. And you're not perfect, so your partner won't be either!
7. Girls, ditch your "Cinderella Complex." You are a successful accomplished woman in your own right. You don't need to be rescued. Your success and accomplishments enable you to broaden your horizons in your search for a husband. The idea that you would only marry a man who has more education and makes more money than you do is antiquated—and might cause you to overlook your soul mate.
8. Guys, leave your ego at the door. Among men and women in their 20s and 30s, the majority of college grads are women—and women also make up the majority of master's degree recipients as well. Women are climbing in the ranks in every career—including those that were traditionally male-dominated. If you meet a SWANS (Strong Woman Achiever No Spouse don't be intimidated! Be proud of her success and enjoy all the benefits.
9. Enjoy being single. Ninety percent of Americans marry, so odds are good that you will meet the right match for you and get married. And once you meet the person you're going to marry, you'll never have another first kiss, or that rush of adrenaline when you wonder whether the words "I love you" might burst out. You'll look back on your single years and wonder why you were so worried all the time. Have fun, be confident in your odds of meeting the right person and enjoy all those nights out with friends and new potential dates. Enjoy the ride!
10. Check out Gretchen Rubin's new book, The Happiness Project. … and create a Happiness Project of your own that involves finding out who you are. Remember, before you can say "I love you," you must first know how to say the "I."
But single or married, engaged or having relationship problems, I wish you blessings and new joy for 2010. I hope this new year, this new decade is one of love, laughter and happiness for us all.
Happy New Year!
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AMERICUS - Michel Coffey's two-out single in the bottom of the ninth inning scored senior Jared Allen to propel Georgia Southwestern to a 6-5 victory over visiting Valdosta State at Hurricane Stadium Tuesday evening.
Allen walked with two outs in the frame and stole second before Coffey singled to center to drive him home for the winning run.
GSW jumped out to an early lead as it scored four runs in the bottom of the second inning. Andrew Anderson opened the scoring with his second home run of the year, a shot to left that also scored Corey Benson. The Hurricanes also got an RBI double from Beau Parker and a run-scoring single from John Duran in the frame.
Valdosta State (18-25) struck back for a run on a Bobby Triglia RBI single in the third before cutting its deficit to 4-2 in the fourth when Ryan Noelte singled home a run.
Antonio Clark scored Chaz Bagwell, who had reached on a two-out single and stolen second base, with a single in the seventh inning before VSU took the lead with a pair of two-out runs in the eighth, giving the Blazers a 5-4 advantage.
GSW responded with a run on an Anderson two-out single in the bottom of the eighth, scoring Andrew Archer, who opened the frame with a walk, to even the game. Valdosta State stranded a runner at second in the top of the ninth to set up the decisive bottom of the ninth.
Anderson, Paschal Poston and senior Jody Sellars tallied two hits each to lead the Hurricanes offensively while Gray Carden improved to 4-2 after giving up four hits and two runs in two innings of work while striking out one. Senior starter Zach Whitman tossed five innings, allowed two runs, scattered eight hits, struck out one and walked one. Seniors Stephen Daneman and Corey Hawes pitched an inning of relief apiece.
The Blazers were led at the plate by Clark's three hits and two each from Bagwell, Christian Glisson, Josh Vining and Noelte. Bud Fuller fell to 3-4 on the year after allowing two hits and a run in 1 1/3 innings of relief work. VSU used four pitchers in the contest, as well.
With the win, GSW takes the season series against VSU two games to one. It's the first time the Hurricanes have won the series since joining the NCAA in 2007. The two teams split in both 2007 and 2008.
Southwestern finishes the 2011 campaign with a 27-21 record while posting the program's second consecutive winning season.

subset: commoncrawl


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Foreclosure crisis slow to end in state, experts say
Slow job growth and a slower judicial process are impeding Connecticut's ability to fight through a foreclosure crisis that refuses to quit, according to economists statewide.
But a leading proponent of foreclosure mediation in the state, while acknowledging Connecticut's timeline for deciding such cases isn't running anywhere near warp speed, says criticism of the judicial process ignores the fact that more property owners here than in other states have been able to stay in their homes.
"We're only looking at our losses," said Jeff Gentes, foreclosure prevention staff attorney at the Connecticut Fair Housing Center in New Haven.
Gentes said the state's foreclosure mediation program boasts an 83 percent success rate. More favorable outcomes for both homeowners and lenders resulted from the program, he said.
Connecticut was one of only 10 states last year to see foreclosure activity increase, according to numbers released this month by RealtyTrac, a California-based real-estate information provider. It also was No. 7 on RealtyTrac's list of states that take the most time in settling foreclosure cases, and was ranked No. 4 nationally in terms of overall foreclosure rate.
"Our average length of time for foreclosures to go through the system is one of the longest," said Pete Gioia, an economist and vice president of the Connecticut Business & Industry Association, citing the 666 days it takes on average for distressed properties to work their way through the state's current legal maze.
Though Gioia acknowledged that the judicial process helps some homeowners who are trying to regain their financial footing, he said there are some "deadbeats who tool the system."
Gioia added that Connecticut's slow job growth "doesn't help." The state is only about halfway toward recouping all the jobs lost during the last recession, compared with a national jobs recovery of 85 percent, he said.
Don Klepper-Smith, an economist with DataCore Partners in New Haven, said Connecticut's underperforming economy also is partially to blame for the continuing foreclosure overhang. While a typical economic recovery comes with growth in real disposable income ranging from 4 percent to 6 percent, he said last year's gain was only fractional.
"If you don't have the financial resources to keep up (with your bills), there's an increasing likelihood of foreclosures," Klepper-Smith said.
John Clapp, a professor of finance and real estate at the University of Connecticut, blamed the continuing foreclosure problem on the state's relatively high unemployment rate and sluggish growth in total employment.
A statewide moratorium on foreclosures in 2010 also "sent a negative signal to the business community about the validity of contracts in Connecticut," he added.
Gentes, however, called the foreclosure moratorium a myth, saying banks were never forced to stop legal actions to seize homes but decided individually to stand down from aggressive tactics after regulators found out about such illegal practices as the so-called "robo-signing" of paperwork.
"Banks stopped committing perjury on a systematic basis," Gentes said.
Gentes said his office was helping homeowners facing foreclosure at about the same clip in 2013 as it had in the previous two years, though things weren't as busy as in 2010 during the height of the crisis.
"There are still a lot of people struggling," he said.
While foreclosures were down by 26 percent nationwide in 2013 compared with the previous year, according to RealtyTrac, Connecticut's inventory of residential properties in foreclosure rose by 20 percent during the same period. New London County fared a bit better than the rest of the state, with foreclosure filings rising by 14.4 percent.
Top municipalities for foreclosures were Norwich, with 95, and New London, with 34. Colchester, Ledyard, Groton, Waterford, Uncasville, Pawcatuck, Niantic, Griswold, Jewett City, Lisbon, Oakdale, Lebanon, East Lyme and Stonington also recorded double-digit foreclosures.
New London County's foreclosure numbers rivaled those seen in 2010, at the height of the nation's housing crisis, when more than 1 million homes nationwide were seized by banks. The crisis occurred after the implosion of tens of thousands of high-risk loans known as subprime mortgages, which led to several years of declining real estate prices in a cascading effect that led to lower home prices, job declines and even more foreclosures.
David Falvey, a Groton-based bankruptcy attorney, added one more cautionary note for New London County residents. He compiled statistics showing that the number of Chapter 13 bankruptcies - the type intended to allow residents to save their homes - has declined precipitously in the region and currently is about half the state average.
"Chapter 13 has become 'obsolete' in New London County due to the economy and the terms and conditions of the mortgage agreements," he said in an email. "The problem is that people simply can't afford their mortgage payments."
Falvey said he is hoping to convince legislators, including U.S. Rep. Joe Courtney, D-2nd District, to revive bankruptcy-law legislation that would address his concerns.
Meanwhile, Connecticut continues to feel the effects of a foreclosure surge that will probably take at least a year to reverse, experts said. In New London County, one of every 79 housing units was in foreclosure in 2013, according to RealtyTrac, compared with one of every 74 homes statewide.
Another real-estate data provider, CoreLogic, released numbers last week showing that the Norwich-New London area's foreclosure rate was 3.7 percent in November, compared with 2.2 percent four years earlier. Data showed that local homeowners 90 days or more behind on their mortgages hit a height of 7.6 percent in February of last year, and distressed properties were still hovering around 7 percent toward the end of 2013.
Julie Savin, Mystic-based director of real estate development for NeighborWorks/New Horizons, said she has seen a few positive signs in her efforts to get banks to donate properties that have gone through foreclosures. Bank of America, for instance, agreed to give her nonprofit low-income housing organization a house at 111 Connecticut Ave. in New London so that it could be turned into above-standard housing rather than bought by "bottom-feeders" who likely would put minimum effort into improving the property.
"My sense was that larger banks have finally gotten it together," Savin said. "Their carrying costs (for insurance, taxes and maintenance) were astronomical."
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Commercial property management for retail, industrial and office space have needs distinct from residential properties. Solutions help users create detailed financial projections, automatically calculate rent increases, create recurring charges for each tenant and calculate common area management (CAM) charges and reconciliation, among other things.
A commercial property management solution helps eliminate the troubles of overlooking several rental properties in person. The solution helps homeowners handle various aspects, such as rent and financial management and property maintenance.
Advanced commercial property management systems offer cloud-based portals that enable busy property owners, who live far away from the properties, manage their investments online anytime. The solution can be accessed either from a desktop or any mobile device. Also, based on your purchasing budget, there are commercial solutions in the market that either charge a monthly fee (such as AppFolio property manager) or a one-time license cost (such as SKYLINE property management software).
When conducting a software comparison, you can visit our commercial property management reviews page. You should also consider the following features:
|Property tracking
|Enables you to manage multiple addresses categorized by individual unit as well as by complex or region.
|Integrated accounting
|This software integrates general ledger, accounts payable and receivable, expense tracking, balance sheets, income statements and payroll management to let you better manage every aspect of your company's finances. It can also automate rent and deposit collection, late fee notices and payroll functions.
|Fixed asset management
|Lets you track the status of your assets so you know how and when they'll depreciate and can manage their overall value accordingly.
|Budgeting and forecasting
|Supports budgeting and financial forecasts by calculating income, valuation, expenses and other financial considerations.
|Maintenance tracking
|Keeps records of regular maintenance schedules, and features automatic alerts to notify managers when scheduled or upcoming maintenance tasks are due.
Commercial and real estate property owners should always be ready for unexpected changes in the marketplace. The trends mentioned below can help you identify the current trends in the commercial property market.
Software-as-a-service. The ability to always be connected, ease of use and technology savviness are among the primary requirements of this software market. SaaS combines all three and enables users to access the solution online from any location. It also reduces the operating costs and enhances the flexibility of management.
Self-service portals. These days, clients prefer to manage things and access their accounts from the comfort and user-friendly interface of their smartphones and mobile devices. Hence, commercial and real estate property management systems must include features that allow residents and tenants to access their accounts online by logging on to self-service portals.
Business intelligence capabilities. Information derived from business intelligence applications is essential for driving future business strategy. A key feature of commercial property management systems is forecasting and budgeting capability. This feature will enable property owners to understand various scenarios (such as future demand analysis and potential financial risk) which may occur in the future and anticipate measures to counter them.
Payment automation. One of the fastest-growing trends in the property management software market is the ability to accept payments online. With the rapid growth in the number of online transactions and purchases, tenants expect an automated payment system to be an integral part of any property management system.
Mobile optimization. Mobile devices are rapidly disrupting the traditional workflow. As a result, many property owners plan to extend their existing applications to smartphones and other mobile devices. Mobile optimization enables tenants and residents to manage their rentals and paperwork remotely.
Viewing a list of software features can be helpful, but the real question is how these features can make a tangible difference when it comes to managing and growing your company. To that end, we've compiled a snapshot of three case studies that explore how a particular feature within commercial property management software systems has helped a company effectively solve a pressing need or problem.
Integrated management and accounting applications increase worker productivity and reduce mistakes. Utilizing the integrated applications offered by commercial property management programs like Total Management means data only has to be entered into a single system. This can help increase productivity and enable staff to devote more time to revenue-producing activities.
Prior to switching to Total Management, Park Lane Group was using two separate systems to handle their management and accounting needs. With Total Management, they no longer have to complete double entries and have reduced costly data entry errors. Additionally, they were able to generate comprehensive accounting reports that uncovered a $10,000 rent-receivables bill owed to them.
Source: http://www.totalmanagement.com/customer-satisfaction
Electronic work orders eliminate paperwork and costly errors. Using an electronic work order feature, like the one found in Bigfoot Maintenance's commercial real estate software, eliminates the need for unwieldy paperwork and can thus increase productivity. Standardized forms and tracking abilities can reduce costly, time-consuming errors.
University of Connecticut Health Center Telecommunications (UCHC TeleComm) is responsible for the network and telecom maintenance of a campus that spans 206 acres and has over 7,000 voice stations and 170,000 square feet of research laboratories. Previously, they struggled to process 400-plus work orders per month via an outdated method of email and Microsoft Word templates that left them overwhelmed with paperwork and prone to duplicate work orders.
Bigfoot's integrated electronic work order component has led to a significant drop in duplicate work orders and a 15 percent increase in productivity. Comprehensive reporting capabilities enable UCHC TeleComm staff to submit monthly reports that detail their current projects and the progress they've made.
Source: http://www.bigfootcmms.com/customers/profiles_uconn.html
Industry-specific accounting reduces time spent calculating monthly figures. A comprehensive and commercial-oriented accounting application, such as that found in Sage 300, can drastically reduce the amount of time spent calculating figures at the end of each month and thereby boost efficiency.
Prior to switching to Sage 300, McGrath Development used spreadsheets to manage the accounting needs for one million square feet in properties, which proved inefficient—calculating their reconciliations and month-end close took nearly four weeks to complete. Sage 300's accounting application has made this process faster and easier, shortening it to two and a half to three weeks and freeing up valuable time for other essential tasks.
Source: http://na.sage.com/sage-300-construction-and-real-estate/resources/~/media/AF0B38340D574057AEF1614754075F52.pdf
Our service is simple and 100% free to customers like you because software vendors pay us when we connect them with quality leads. You save time and get great advice. Vendors get great referrals. It's a win for everyone!


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Specialized Fuse Comp 6Fattie - 2017
More volume + versatility = dominance. Solve the equation for yourself with Specialized's Fuse Comp 6Fattie. Rolling on 650B x 3.0-inch tires, the Fuse Comp delivers unprecedented traction and stability so you can shred the most loose, off-camber and rock-strewn trails you can find. The solid M4 aluminum frame features Specialized's exclusive Diamond Stay technology to accommodate 6Fattie wheels and tires while maintaining the short chainstays that keep a bike playful and fun. The spec is dialed with a bomber Manitou Machete fork, Specialized Stout wheels, and a 1 x 11-speed drivetrain with an incredibly wide-ranging cassette. There's even a dropper post for maximum control when things get rowdy. Get on a Fuse and discover that more tire = more fun.
|Specialized M4 Aluminum, 148 x 12mm thru-axle
|Manitou Machete 29/27.5+, Absolute Plus damper, air spring, adjustable rebound and compression/lockout, 110x15mm thru-axle, 100/120mm travel
|Specialized Stout 650b, alloy, disc only, 38mm inner width, 24/28h
|Specialized Stout
|Front: Purgatory, GRID casing, 650bx3.0" 2Bliss Ready; Rear: Ground Control, GRID casing, 650bx3.0" 2Bliss Ready
|Specialized Stout XC
|Rear Derailleur
|SRAM NX, long cage, 11-speed
|Rear Cogs
|SRAM PG-1130, 11-speed: 11-42t
|SRAM NX, 11-speed, trigger
|Double-butted alloy, 9-degree backsweep, 5-degree upsweep, 15mm rise, 750mm width, 31.8mm
|Specialized Sip Grip, half-waffle
|Alloy, 7-degree rise, 31.8mm clamp
|Brake Levers
|TRP, Hydraulic
|Front: TRP Slate X2 4-piston; Rear: TRP Slate X2 2-piston
|Specialized Dirt Pedals
|Specialized Body Geometry Henge Comp
|TranzX dropper, internal cable routing, remote lever, 30.9mm, S/M: 100mm, L/XL: 120mm travel
* Subject to change without notice.
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Getting ready for a trip where I had to rent a bike and fatties were the only option. Riding a 29er I decided I wanted to try a fattie and see if I liked it or should I ship my own bike. First, BikeLink staff is so very, very good. Great communication over e-mail. Easy to pick up and I couldn't leave the shop until the bike fit me perfectly. Simply great service. Anyway, they had me use the Specialized Fuse Fattie as a rental, a 27.5 plus bike and I was amazed. I rode trails I ride all the time and the bike simply performed. I thought my 29er could ride over anything, this bike does the same with spades. Joe had said 'You get to pick your own line' and he was right. I was worried the larger wheels would make pedaling hard and that there would be a lot of rolling resistance. What I found was because the bike rolled over everything it was easier to pedal. The rest of the package is very good as well. The hydraulic brakes worked great, overall the bike was light, the dropper post operated smoothly. My only semi-complaint is that the shifting is not quite a crisp as on my regular bike, but then again, this is a bike with a lower price point so not everything is going to be top of the line. Overall, it felt and road like an expensive bike even though it isn't. I did make my trip, road a true fattie and it was not nice at all. If you are looking to buy your first bike, or replace your current one and are unsure if you want a plus bike, try it, I bet you too will fall in love with a functional fattie.
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My fuse is only used on rock and root strewn trails in PA. The 3.0 tires, the slack geometry and the 1x drivetrain put so much fun into this bike. At 44, I feel like I'm 12 again on my old Schwinn Scrambler. The bike is not only great on climbs, climbs which you can stand up on and pump over any rocks or roots without tire slippage. You won't just keep up with the pack with this bike, you'll spend a lot of time waiting for everyone else to keep up. Lastly, props to Rich, Tom, and Lee at Around Town Bikes for helping me with this purchase. Truly class act dudes.


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A Broader Apple Emerges Under Cook
After years of subtle changes, Tim Cook's kinder, gentler vision of Apple is taking shape. WSJ's Daisuke Wakabayashi discusses the new Apple on the News Hub with Sara Murray. Photo: AP.
This transcript has been automatically generated and may not be 100% accurate.
... the ... more than three years ... well it's finally coming to light ... let's make X next to the tech giant ... the law Street Journal's take a walk a biopsy joins us to ... I think the US for doing it ... thanks for having ... felt the about what stuck out to you as the biggest difference between the typical model for Apple and this team jobs model for Apple ... I think you know one of the thing that ... often gets overlooked is the fact that Apple was a much bigger companies and was ... the one Tim Cook took over in two thousand eleven ... it's grown by a hundred billion dollars in revenue in annual revenue in the three year period ... and so it has a bigger company you hafta have kind of a different kind of leadership and I think ... unit and is ... trying to read Apple ... much more like in the way that other companies do they know I think Steve Jobs had this very ... the ... focus to U of Apple and he tends to focus on product development design and those with things he's very interested in ... but often let other things come sliding that was you know ... aam ... how the company dealt with investors and how the company is sometimes treated as employees and how Mr. job sometimes treated his subordinates ... and so I think and I is you know much more of a kind of well balanced ... as CEO in some ways ... but I think that's all so aam ... because the cost it is a company so much bigger than it was under ... Steve Jobs now the ending changes is Tim Cook kind of allowing Apple to be a more collaborative company when it comes to other sock area with other software Peter is what you think that's can it mean for Apple going forward looking at opportunities that that isn't for them ... you know I think Apple is becoming more clout in partially because the house to the no Android is the time ... which is you know Apple's ... main competitor in terms of mobile software ... is is very open you know and of course there's drawbacks in fact the of an operating system is open but one of the things I think that I'm ... out was been forced to do is cuddle at more of the developers and third party partners do more with their platform and new start to see that on ... at the need to be the CEO Apple's worldwide developers conference this year you start to see changes with that ... and I think you know I think as you do that humanists are seen Apple trying to compete on ... with Android in terms of certain features and functionality ... because in ... the know many ways that's what consumers want and so as you see you notice the new I phone is gonna come out ... to be running a software that allowed ... for party developers to more on the pot for ... this only really like Apple's flagship device is the I phone I pad ... before Steve jobs creation was still how rich pressure is Cup under that come up ... with the next big thing some kind of blockbuster tonight ... I think there's quite a bit of ... pressure and I think he's aware of and suddenly the whole company is aware of ... that the next big thing that Apple comes out with will be what is to find you know what these dogs ... um as kind of Ten's products ... Avici is still working very closely with someone like Jony Ive was the head of design and was you know a ... great partner to to Steve Jobs as well but ... you know that the ... what we've reported is that they are there not with the watch ... a smartwatch later in the fall in August about we watched very closely on ... kind of what ... that portends for the company with the pretense with Tim Cook era ... um ... and I think you know it's it's almost impossible shoes to fill ... but I think you know he's taken is time ... Apple's taken is time to come out with the next thing and ... we'll see what happens if I was ... right when lending act now what that light we talked alot ppl involved in Apple's so what if the light from I like to cook how you break out of this he just Steve jobs data ... you know I think ten himself has said basically that he doesn't ... compare him self and try to compare suffer even think about what ... Steve would do on any given this decision and I think he just does what he think is right ... and I think you know it ... fairly on fairly Tim Cook is always going to be compared to Steve Jobs and ... in some ways has found the years passed from Nest's that ... the of the mythology around Steve gets bigger and bigger and bigger and some of his shortcoming is good for God and I think you know in some ways I think that's an are ... you tough thing for ten but he's also running an amazingly ... efficient and great company with great legacy and lots of friends and so I guess ... you know on one hand it's a very tough job but I guess ... you know there's other worse things worse position CEO


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Financial Calculators
There are many calculators available. This is a listing of some examples. The calculators all do the same thing but they do it in different ways. Use this list to find a calculator that you like.
Bankrate.com Calculator
Includes mortgage, auto loan, retirement, credit card, and FICO score.
Choose to Save
Choose to Save is sponsored by the Employee Benefit Research Institute and the American Savings Education Council.
Financial Aid Calculators
Figure out how much college will cost and how to save for it with these handy calculators.
FINRA Tools and Calculators
A variety of interactive tools that can help you plan your financial future, from getting background information about your broker to using financial calculators.
Mortgage 101
Calculators at this site are specifically geared for home-buyers. Includes calculators to help you decide about buying vs. renting, refinancing, qualifying for a loan, etc.
Motley Fool Calculators
Mortgage, savings, retirement, bonds, etc.
Quote.com Personal Finance
Includes calculators for auto loans, college planning, debt management, insurance, real estate, retirement, investment, and taxes.
Social Security Benefits
This site calculates your social security benefit based on information you provide about earnings and your anticipated retirement age.
USA Today's Personal Finance Calculators
Includes auto loan, mortgage, college savings and retirement calculators.
Yahoo! Financial Calculators
Mortgage, savings, retirement, college savings, etc.


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The Software Freedom Law Center (SFLC) has announced that it has filed yet another lawsuit on behalf of its clients Erik Andersen and Rob Landley (the two principal developers of the BusyBox open source utility) alleging copyright infringement based on a violation of version 2 of the GNU General Public License (GPL). The defendant in this latest lawsuit is Verizon Communications. The lawsuit against Verizon is the fourth in a recent string of suits brough by the SFLC on behalf of Andersen and Landley. However, unlike the previous suits brought against Monsoon Multimedia, Xterasys Corporation and High-Gain Antennas, this suit is the first such suit against a major public company.
The complaint against Verizon was filed December 6, 2007 in the United States District Court for the Southern District of New York and is available online at — Erik Andersen and Rob Landley v. Verizon Communications, Inc. The complaint is similar in many respects to the complaints filed in the Monsoon Media, Xterasys and High-Gain suits, but specifically centers on Verizon's distribution of a third party product containing the BusyBox open source software utility (as opposed to a product developed by Verizon). In particular, the complaint against Verizon alleges that Verizon distributes the Actiontec MI424WR wireless router to customers of its "FiOS" fiber-optic Internet and television service and that the router contains the BusyBox software. Under the terms of the GPL, the complaint further alleges that Verizon is obligated to provide the source code of the BusyBox software to recipients of the Actiontec router. According to the lawsuit, Verizon continues to distribute BusyBox without source code in violation of the GPL, despite having been contacted by SFLC. The complaint likewise seeks an injunction against Verizon and requests that damages and litigation costs be awarded to the plaintiffs.
It remains to be seen if the current case against Verizon will be settled out of court (as happened in the case against Monsoon) or continue on and become the first lawsuit alleging a violation of the GPL ever to go to trial in the U.S. Regardless, this case is a highly significant indication that Andersen and Landley (and the SFLC) appear increasingly willing seek to enforce the GPL against alleged violators in court rather than pursuing out of court settlements. As I mentioned in connection with the previous BusyBox suits, now is the time to take steps to identify whether and to what extent your organization is using BusyBox and other open source software and to ensure that you are in compliance with the open source software licenses applicable to that software.
Filed under: Alert, Erik Andersen, GPL, Open Source, Rob Landley, SFLC | Tagged: Busybox, Compliance, Erik Andersen, GPL, Infringement, Law, Monsoon Multimedia, News and Alerts, Open Source, Rob Landley, SFLC, Verizon Alert | 3 Comments »


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Reviewed by Kirsten T. (age 14)
This book was great! The narrator of the story, Lise, was very smart. For example, after the accident, Lise and her brother were not allowed to visit their mom until Lise figures out a way in. Lise reminded me of myself because I think I am smart and have had to figure some tough things out for myself. I found the character Ben interesting since he was older and of Indian heritage. My favorite part was when Free spoke, which he did very little through the story, and he sounded just like my little brother!
I would recommend this book a thousand times over. It appeals to any teenager's life, especially a teenage girl. I also think the setting would make an attractive read because, after all, who doesn't like the beach?


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text: All About 'Urbanality 20 P' These designs and colors are intentionally suited for urban spaces and multi-family housing. Anywhere people enjoy forward thinking decor. This collection features clean, simple-grained woods like white oak and maple - alongside striations that are wood like but don't represent a species. Product Specifications Flooring Type Resilient Style 0330V URBANALITY 20 P Color 00247 CITY CENTER Collection Array Construction RESIDENTIAL RESILIENT LVT-DRYBAC<=2MM Width 5.90 in. Length 36.22 in. Installation Grade ABOVE, ON, BELOW Wear Layer 20 MIL Made in the USA NO Country Of Origin Korea Downloads Hard Surface Care & Maintenance Tile and Plank Download PDF Urbanality 20 Features Download PDF Resilient Plank & Tile Inst guide Download PDF Resilient LVT Limited Warranty Download PDF


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Four Things to Watch for in the State of the Union
WSJ's Jerry Seib discusses the four key items he will be watching for from President Obama in Tuesday's State of the Union speech.
This transcript has been automatically generated and may not be 100% accurate.
... the the the ... this is Jerry side with a Wall Street Journal ... prison Obama goes to the capital tonight to make his fifth stated the Union address in here a few things I'm gonna be watching for is that unfolds ... first what will his tone PC to be confrontational with Republicans where's eagerness day we can accommodate you he's been a little bit of both since the election last November and will be interesting to see which draft picks tonight ... secondly we have some specific things to say about how to avoid another budget collision ... in the next month when this automatic sequester series of cuts this post he can ... go into government funding ... you know something positive to say about that ... third was the reaction been to B from Republicans and a couple of controversial foreign policy items here ... he's going to say he's gonna withdraw more troops thirty four thousand troops from Afghanistan ... over the next year the people fought ... and is gonna talk about deeper reductions in nuclear arms ... both are going to be controversial ... and finally has begun to balance a couple of environmental questions ... action on climate change ... which environmentalist one ... in the XL pipeline which it is one ... tough to balance those two ... will see how he does tonight ... this is Jerry side ...


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About this font family
Mark van Bronkhorst designed MVB Celestia Antiqua at a time when font choice was limited. Design was characterized by overuse of the few fonts that came with laser printers.
A rustic typeface, recalling the roughness and irregularity of pre-digital printing, was a response to the cold crispness of DTP. MVB Celestia Antiqua holds its own among a large group of other "weathered" serif fonts, in part due to the size of the family: three weights, small caps, italics, and two titling styles. But it's also successful because it's simply drawn well, the contours only as rough as they need to be, enabling text at any size, large or small.
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I think I'd like to get a #1 or #1-2 WR and move Tate to the slot, and let him compete with Baldwin. All around depth would be improved quite a bit.
Rice is a true starting WR, whether he is #1 or #2 I keep him at least another year since we look pretty good in terms of cap room next year. Remember, he's only 14 months older than Bruce Irvin, so he could finish his contract right at his prime, unlike most big free agent signings. Injuries worry me, but that's it.
Tate is coming around this year, but he still isn't the kind of starting WR coaches go to bed dreaming of. IMO, his skillset is more suited to the imagined Tavon Austin role than a normal starting WR. Not as fast, but similar RAC capability since Tate can run through contact, and Tate's ability to fight for the ball makes him a good vertical threat.
Baldwin is having a truly disappointing season, with his drops being more memorable than his catches. There's always the chance that 2011 was the aberration. I tend to believe that Baldwin will be a great slot guy for us for next year, but even if true, the way he gets up after a tackle, it seems like 1 hit could do him in.
IMO, if we picked up a starting WR, I let Tate and Baldwin fight it out in the slot, with the idea being that we need depth anyways and Tate would be worked in for certain packages no matter what happens.


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South African rookie Jordy Smith gave the local crowd what they came for when he posted the highest heat total of Round 2 to advance to Round 3 of the Billabong Pro Jeffreys Bay today.
Smith eliminated Brazil's Neco Padaratz in three to five foot (one and half metre) waves courtesy of the 18.60 heat total he amassed – the second highest of the event thus far. He has drawn Dean Morrison (AUS) in Round 3.
"It's good to get one nailed away and get the nerves out," Smith said. "Now I'm just stoked I didn't get a 33rd and looking forward to the next round."
Smith scored a 9.00 on his first wave ridden. He sealed the deal with a 9.60 toward the end of the heat.
"I wanted to catch one early in the heat just to feel my board and feel my feet," Smith said. "The wave was a real nice peeling one and I ended up getting a 9.00. After that score I just realized that I needed to wait for a better one. Luckily I waited and I got it."
A 30-foot humpback whale was among the locals on hand to support Smith. The massive mammal surfaced just meters away from the surfers a handful of times – set waves rolled through right after each time.
"Hopefully the whale sticks around for a couple more of my heats," Smith said. "The set came and it was there so I'm hoping to see it again!"
Today's elimination of higher-rated rookie Dane Reynolds (USA), leaves opportunity for Smith to close the gap in the ASP Rookie of the Year race. Reynolds is currently rated 16th, Smith 19th.
"Dane is a great surfer but I'm just trying to do my own thing really," Smith said. "It's a bit unlucky that he lost earlier. I actually would have liked to see him get through."
Reynolds went down to Brazilian Heitor Alves in the second highest scoring heat of the day. Alves'16.66 trumped Reynolds 13.83, and sent him home with his first 33rd place result of the year.
"I'm so happy," Alves said. "To get two 8s in a heat? I can't believe it. I feel comfortable here. I like this wave."
The second perfect 10 of the Billabong Pro JBay was earned by Bobby Martinez (USA) today. Martinez hasn't scored a perfect 10 since Chile in 2006 – and event then, he didn't win his heat. The deep barrel Martinez emerged from was clearly the wave of the day.
"It was a weird wave because I took off and couldn't see – the sun was in my eyes," Martinez said. "I'm not even sure why I went for the barrel because I haven't been barreled the whole trip but it just happened. I almost fell in there, I got off balance, but luckily I didn't. I came out. I was lucky to get a wave out there period and then to get a wave like that… it came from someone I think."
Martinez's Round 2 victory over wildcard Rudy Palmboom (ZAF) will see him draw Luke Munro in Round 3.
Andy Irons (HAW) also got the better of his wildcard opponent but was quick to disclose that the cold water has been an issue for him.
"You have to pick the right ones and that has been tough for me lately," Irons said. "I've been battling the cold badly. I went to Bali before this and I think that was a bad move because it's hard to get motivated to get out there. I only surfed once before the contest and then only in heats ever since."
ASP World No. 2 Joel Parkinson was the highest seeded surfer negotiating Round 2 today. He beat his traveling buddy in 1999 ASP World Champion and wildcard Mark Occhilupo (AUS) in the first heat of the day.
"We were both serious about it," Parkinson said. "We both wanted to win but Oc broke his fin on the way out and it kind of sent him into a frenzy there for a while. I was kind of laughing because, typical Occy, he had the full panic head on saying, 'Oh, I'll be right, I'll be right,' then he just grabbed some other kid's board and surfed it. It was a good heat though."
Pancho Sullivan (HAW), who was unable to arrive in time to surf his Round 2 heat due to passport problems beyond his control, gave Ben Bourgeois (USA) a bye into a Round 3. Bourgeois will use that saved energy to take on reigning ASP World Champion Mick Fanning (AUS) when competition resumes.
Billabong Pro Jeffreys Bay Round 2 Results:
Heat 1: Joel Parkinson (AUS) 16.33 def. Mark Occhilupo (AUS) 9.67
Heat 2: Andy Irons (HAW) 15.17 def. Granger Larsen (HAW) 11.83
Heat 3: Bobby Martinez (USA) 16.33 def. Rudy (jnr) Palmboom (ZAF) 4.33
Heat 4: Adrian Buchan (AUS) 13.07 def. Nic Muscroft (AUS) 11.00
Heat 5: Jeremy Flores (FRA) 15.67 def. Ricky Basnett (ZAF) 11.34
Heat 6: Luke Stedman (AUS) 12.00 def. Daniel Ross (AUS) 7.60
Heat 7: Kai Otton (AUS) 14.27 def. Jihad Khodr (BRA) 13.94
Heat 8: Travis Logie (ZAF) 15.50 def. Timmy Reyes (USA) 12.00
Heat 9: Ben Bourgeois (USA) adv. Pancho Sullivan (HAW) n/s
Heat 10: Dayyan Neve (AUS) 15.66 def. Tiago Pires (PRT) 14.50
Heat 11: Heitor Alves (BRA) 16.66 def. Dane Reynolds (USA) 13.83
Heat 12: Tom Whitaker (AUS) 15.10 def. Rodrigo Dornelles (BRA) 13.70
Heat 13: Mick Campbell (AUS) 15.30 def. Damien Hobgood (USA) 9.50
Heat 14: Luke Munro (AUS) 16.33 def. Ben Dunn (AUS) 12.55
Heat 15: Jordy Smith (ZAF) 18.60 def. Neco Padaratz (BRA) 11.33
Heat 16: Chris Ward (USA) 13.16 def. Mikael Picon (FRA) 12.17
Source: ASP World Tour


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Off-Ramp contributor Marc Haefele reviews Canterbury and St. Albans: Treasures from Church and Cloister, which is at the Getty Center from Sep 30 - Feb 2.
900 years ago, if you were a European peasant or serf, you were almost certainly unable to read. But you were expected to be a good Christian anyway—which meant knowing the basic stories and scriptures and characters of the bible.
How did you manage? Well, it has a lot to do with the art of the European Middle Ages—in fact, that was what most of the art of that time and place was for. As one early churchman put it, "The pictures are the poor man's bible." The stories that were preached every Sunday were draped across your vision in the hues of stained-glass portrayals in the windows that surrounded you in church. It was said that "Each picture is a lesson to the viewer.'
Just how amazing many of these pictures were is demonstrated by a Getty show that combines two great and literally iconic works of the 12th century—a selection of stained glass windows from Canterbury Cathedral and the St. Albans psalter, a precious and singular illuminated parchment volume created 80 miles away at the Abbey of St. Albans.
(The Maries at the Tomb and The Third Temptation of Christ, from St. Albans Psalter, about 1130, Alexis Master. Tempera and gold on parchment. Dombibliothek Hildesheim)
Most startling are the windows, installed in the wake of the canonization of St. Thomas a Becket. There are six of them out of the surviving 43 panes of a series called the ancestors of Christ. A peasant who knew all of these figures would probably be more knowledgeable than most modern Christians, who might wonder just who was Jared, Peleg, or Thara? (Jared was the father of Enoch, Peleg was a son of Heber. Thara, who ran an idol store, was the father of Abraham. Talk about anti-parental revolt!). Of the six on display, only Noah will be familiar to most of us.
(Installation view of Noah, from the Ancestors of Christ Windows, Canterbury Cathedral, England, 1178-1180, colored glass and vitreous paint; lead came. Courtesy Dean and Chapter of Canterbury)
But what personalities they all are! Jared smiles hesitantly as raises a forefinger in some kind of admonishment, while his other hand clutches clothing that seems to overlay medieval garb with a Roman toga. Noah puts his foot on the bar rail and raises his left hand in an old salt's gesture of explanation as he tells us how he happened to embark on his long and crowded voyage. Thara, with trim, sharp beard, looks like a wily shopkeeper telling a customer, sorry, there's no discount on these items.
All this is accomplished by masterful brushwork—for this is painted stained glass. The greatest artist whose work is on display is known only as The Methuselah Master, for portraying a patriarch absent from this ensemble, as well as the figures of Jared and Lamech. He and those he collaborated with on these late 12th century masterpieces had skills we don't generally associate with art of the Middle Ages. But these portraits were intended to tell a story, to leave an enduring impression on the viewer's imagination as he or she basked in the deeply filtered blue, red and green light they cast across the chancel.
The St. Alban's psalter is basically a manuscript of the complete Old Testament psalms, but the illustrations bear keys to the words. The capitals at the beginning of each psalm are jammed with figures illustrating the text, moving onto the page much like a classic Avant grade cartoon strip where the characters step out of the frames. It's associated with one unusual and charismatic English Christian figure of the 1100s, Christina of Marykate, a holy woman with a considerable following. Although created in England in a period slightly before the "Ancestor" windows, its usual home is a library in Hildesheim, Germany. It was taken there during the Reformation, after its Catholic owners rescued it from possible destruction at the hands of fanatic British protestants. But some of those reformers had already had their way with the book: names of certain prominent saints were scratched out, other names deleted.
Yet the whimsical-seeming and graceful art work largely survived—for this is very much a picture book. There are 40 full page painted illustrations, my favorite of which is of King David playing a medieval bass fiddle. Its separated pages will be on display in rotation, and they are as entertaining as they are inspiring.
(Initial K, Litany: The Trinity with Monk and Nuns (detail), from St. Albans Psalter, about 1130. Tempera and gold on parchment. Dombibliothek Hildesheim)
And, along with those great tale-telling windows, those pages might very well help you to remember stories that learned long ago and thought you had forgotten.


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Oh my goodness, every fabric Tuesday Megan and I each look through every link. You guys are amazing! It makes me want to sew sew sew! I could have linked all your projects from last week, but that would have been more time on the computer for me and less crafting!
I just got in from a camping trip to Bryce Canyon. I stink, I haven't even showered yet, remembered about fabric Tuesday.
Hopefully you all had a good long weekend too!
Super pretty Bricks Quilt, love the colors! From JaQs studio
Yards and Yards, super darling bunting, makes me want to make one up right now for no good reason!
Darling ruffle handbag from artfully caroline...
A great Charity Quilt from A quilting Reader's Garden
For a refresher on Fabric Tuesday rules, click here.
Also, try to post on a couple link ups, sometimes Megan and I leave comments, and some people have no comments. Just take a minute if you can!
Can't wait to see your projects!


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Code: DS-E-SSQU
Brand: Crafter's Companion
- Product Details
Die'sire Essentials Scalloped Squares Dies from Crafter's Companion.
From beautiful butterflies to nesting circles the Die'sire Essential range will allow you cut those versatile basic shapes over and over again! The dies can be used for a variety of projects including cardmaking, scrapbooking and more.
- DESIGN - 3D shapes onto paper or card
- CUT - Create shapes for use in paper projects
- CREATE - Use the die as a stencil template
Some dies may have sharp points, edges or corners. Exhibit caution when using these dies and do not leave them unattended near children. Not intended for use by any child under the age of 14.
- Delivery & Returns
Shipping costs will vary according to the value of your order. If you're from the UK, you will pay no more than £3.95. However, if your order value exceeds £20 then standard delivery is FREE!
You can upgrade to a courier delivery should you wish. Click here for the full shipping information. If you are not happy with your purchase and wish to return an item or items, please click here to see our full returns policy. Please note, we cannot refund or exchange digital purchases.
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You are hereHome ›
This is an activity about understanding how the Earth's axial tilt changes the angle at which sunlight hits the Earth, contributing to the variations in temperature throughout the seasons. Learners will create a sun angle analyzer in order to see what happens to the concentration of sunlight when the Sun is at different angles throughout the year. This will help learners realize Earth's seasonal temperature differences are directly related to sunlight angle due to the Sun's overall intensity at locations on the Earth. Finally, learners reflect on the results of the Sun-Earth Survey, which is Activity 2 in this set, and their experiences with all of the other activities in the guide. This is Activity 8, the final activity in the Great Explorations in Math and Science (GEMS) guide titled Real Reasons for Seasons: Sun-Earth Connections. The resource guide is available for purchase from the Lawrence Hall of Science.


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thinXXS miniaturizes your diagnostic processes (e.g. blood diagnostics).
The intention of product development in the fields of medical diagnostics is to provide simple, economical devices which are customer friendly and easy to handle. Lab-on-chip systems meet the requirements of these applications. Miniaturization is optimal for automated standard processes and affords time and cost efficiency and a high assay throughput. In addition, this allows one to decentralize the analytical and diagnostic processes to point of care.
Lab-on-chip systems combine every processing steps, from sample absorption and separation, mixing with reagents and analysis to waste absorption - on a single, microstructured disposable made of plastics. The purpose of these miniaturized analysis systems is to integrate complex functions in a simple device which is producible in few manufacturing steps.
thinXXS Microtechnology AG realizes plastic chips in various shapes and dimensions. They may comply with common footprints such as those of 1536 microplates or microscope slides, have credit card dimensions, or have more arbitrary sizes. In any case: large numbers may be fabricated cost-efficiently. The material may be chosen according to your application requirements. Finishing comprises processes such as surface modification, bonding, or integration of electrodes, thinXXS micro pumps, and the like. Other hybrid set-ups, i.e. combinations with glass or silicon, are also possible.
We realize your individual diagnostic processes on small lab-on-chips. From design to production, from quality management to delivery - you will have only one partner: thinXXS Microtechnology AG. Our quality management is certified by DIN EN ISO 9001 and DIN EN ISO 13485.
DownloadLab-on-Chip: Application example blood diagnostics (PDF)
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Eichholtz Philips Floor Lamp Bronze
Product Code: EI5195
Tall floor lamp in a bronze finish with white conical lampshade from Eichholtz.
The Philips Bronze Floor Lamp comprises a two-layer square base plate with a long, thin stem surrounded by glass cylinder body.
The lighting solution is finished with a conical shade in an immaculate white finish with fabric line pattern offering a subtle contrast.
The Philips Bronze Floor Lamp will add contemporary style and elegance to the dining room, living area or hallway of your home interior.
Note: 1 x E27 Max 40w required.
About The Brand
Eichholtz is the epitome of luxury living… our collection of furniture, lighting and accessories from Eichholtz is your go-to style destination for that elusive interior piece. From timeless Luxe glamour to hotel boutique Chic, the inspirational Eichholtz collection spans a host of iconic interior styles and can be found in some of the world's most prestigious hotels and residences.
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