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The Commercial Banking Division offers corporate clients a full range of financial product services and diverse funding channels. Each client's financial product portfolio is tailor-made. KGI bank helps clients to maintain solid operation and stable growth. By focusing on target clients and trade-oriented products, tracking fund flow and bringing in non-interest income, the bank provides hedging needs with hedging tools linked to forex, interest rates, and commodities, along with structured products.
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text:
By Ksenia Galouchko and Katia Porzecanski
The smarter you are, the more stock you probably own, according to researchers who say they found a direct link between IQ and equity market participation.
Intelligence, as measured by tests given to 158,044 Finnish soldiers over 19 years, outweighed income in determining whether someone owns shares and how many companies he invests in. Among draftees scoring highest on the exams, the rate of ownership later in life was 21 percentage points above those who tested lowest, researchers found. The study, published in last month's Journal of Finance, ignored bonds and other investments.
Economists have debated for decades what they call the participation puzzle, trying to explain why more people don't take advantage of the higher returns stocks have historically paid on savings. As few as 51% of American households own them, a 2009 study by the Federal Reserve found. Individual investors have pulled record cash out of U.S. equity mutual funds in the last five years as shares suffered the worst bear market since the 1930s.
"It's what we see anecdotally: higher-IQ investors tend to be more willing to commit financial resources, to put skin in the game," said Jason Hsu, chief investment officer of Newport Beach, California-based Research Affiliates LLC. About US$85-billion is managed using his firm's strategies. "You can generalize a whole literature on this. It seems to suggest that whatever attributes are driving people to not participate in the stock market are related to the cost of processing financial information."
Military Records
Mark Grinblatt of the University of California, Los Angeles, Matti Keloharju of Aalto University in Espoo and Helsinki, Finland, and Juhani Linnainmaa at the University of Chicago compared results from intelligence tests given by the Finnish military between 1982 and 2001 to government records showing investments the draftees later held. They found the rate of stock ownership for people with the lowest scores trailed those with the highest even after adjusting for wealth, income, age and profession.
Three years after US$37-trillion of global share value was erased in a 16-month bear market, not everyone considers limiting equity ownership to be a mistake. Nassim Nicholas Taleb, author of "The Black Swan," said in October 2010 that investors should sue the Swedish Central Bank for awarding Nobel Prizes to economists such as William Sharpe for theories that made it seem like stocks were safe. He declined to comment on the study.
'Really Saddened'
The Standard & Poor's 500 Index has gained 9.8% annually including dividends since 1926, compared with 5.7% for U.S. Treasury bonds, according to Ibbotson Associates, a research unit of Chicago-based Morningstar Inc.
Returns from the stock index have dwindled to about 0.6% a year since the end of 1999, and investors had two opportunities to sell after losing more than one-third of their money, in October 2002 and March 2009, data compiled by Bloomberg show.
"When I saw this paper, I was really, really saddened that it would actually get published," said Brian Jacobsen, who helps oversee US$219-billion as chief portfolio strategist at Wells Fargo Advantage Funds in Menomonee Falls, Wisconsin. "What they basically do is look at a very specific subset of the world's population and try to infer how this group of 19-and 20-year-old Finnish males did on a particular standardized test. To me, it really fails in the truth-in-advertising arena."
'So Strong'
While intelligence influenced things that might naturally increase equity ownership such as wealth and income, the authors said IQ determined who owned the most stocks within those categories as well. Among the 10% of individuals with the highest salary, "IQ significantly predicts participation" in the stock market, they wrote. For example, people in the highest-income ranking who scored lowest on the test had a rate of equity market participation that was 15.7 percentage points lower than those with the highest IQ.
"If you look at the significance of IQ related to other factors like income or wealth, certainly it plays a very large role," Keloharju, a finance professor at Aalto, said in a phone interview. "It's very difficult to get around that problem, but the results are so strong here. We are playing with lots of different controls and lots of different specifications, and all the time things work really well."
American economist Harry Markowitz won a Nobel Prize in 1990 for his theory that owning a larger variety of assets tended to maximize returns for a certain amount of risk. The 2009 study by the Fed found that 51.1% of American families own stocks directly or indirectly, and of those who do, 36% have shares in one company.
'Difficult to Justify'
"It's difficult to justify why someone wouldn't invest in the stock market, knowing what a good deal it has been," said Linnainmaa, a co-author of the study from the University of Chicago's Booth School of Business. "The classical explanations for non-participation have been participation costs. It's not just that it may be expensive to buy stocks and mutual funds, but people may not have enough knowledge about them."
Finnish soldiers were an ideal sample because differences in race, schooling and market access are minimized, the authors said. Draftees were about 20 years old when they were given 120 questions in math, language and logic. The authors divided the results into rankings and compared them with stock-ownership records. People who don't serve in the country's military such as women weren't in the sample.
Robert Shiller
"There is an older literature on whether SAT scores of an investment manager's college helps predict his or her success," Robert Shiller, an economics professor at Yale University and co-creator of the S&P/Case-Shiller home-price index, said in an email. "This paper has a much better measure of intelligence," and the "results are therefore a significant advance," he wrote.
Finnish draftees aren't representative of typical investors, said Wells Fargo's Jacobsen. IQ is a function of culture and shouldn't be generalized across borders, he said. The authors also failed to discuss whether the test given to the soldiers was a valid way to grade thinking.
"They should've been at least honest about it from the outset, and say, 'Hey, this is not about IQ and investing, this is about Finnish males that took this particular test,'" he said in a telephone interview. Finland's lack of ethnic diversity "invalidates it for extrapolating it to other cultures," he said. "That makes it that much more inappropriate to draw inferences from it about other cultures."
Fund Outflows
Owning stocks isn't always the best option or even a good idea, according to Mark Luschini, chief investment strategist at Philadelphia-based Janney Montgomery Scott LLC, which manages US$54-billion. Investors pulled money out of mutual funds that buy U.S. stocks for a fifth straight year in 2011, the longest streak in data going back to 1984, according to the Investment Company Institute in Washington. Last year, an estimated US$135-billion was withdrawn, the second-highest annual total after 2008, preliminary data from ICI show.
"I hate words like always or never," Luschini said. "It's always important to consider owning stocks, but in the context of what's important to your particular circumstances, it's not so much a question of whether to own them, but to what degree you should be exposed to them. For a couple who is retired and is more in the wealth preservation mode, perhaps they'd want to dial down their exposure."
Finnish soldiers who scored lowest on the test and still owned stocks usually made the worst asset-allocation decisions, the authors wrote. They purchased too few companies, bought in more volatile industries, and got the worst bang for the buck as measured by the so-called Sharpe ratio, which adjusts return for risk taken. As a result, they were less likely to buy more shares in the future, the researchers said.
Social Policy
The study's authors said the findings have implications for social policy. Avoiding stock investments cuts returns and may widen income gaps, they said. Individuals scoring lowest on the tests who still owned equities earned as much as 33 basis points, or 0.33 percentage point, a year less than the highest scorers. One way governments could promote better savings might be with plans that let people opt out of stocks, like 401(k) plans, as opposed to opting in, said Keloharju.
"If you look at these people over time, people with higher IQ scores and stocks become wealthier and wealthier at a much faster rate than people with lower IQ scores," said Linnainmaa. "It makes them worse off in the long run, even more so than the difference in income."
Financial Education
Hsu of Research Affiliates said an explanation for why draftees with lower test scores owned less stock is that they found it harder and more expensive to receive financial education. Getting people information on investing at a younger age may help limit the disparity, he said.
"The costs to achieve that are certainly higher if someone isn't providing that at an earlier stage in one's education," said Hsu. "If we could provide advice, or provide education, to help reduce the cost of acquiring financial knowledge, that would seem like a good thing."
The paper is part of a broader debate about the role individual characteristics such as affluence and education play in investor actions. In the 1980s, so-called behavioral economists broke away from theorists such as Sharpe, who tended to think of all investors as rational.
Greg Davies, head of behavioral finance at Barclays Wealth in London, said his team tries to gauge clients' risk tolerance with personality profiles and investment strategies that appeal to "emotional needs."
"As advisers, of course, we see our role in overcoming the irrational, emotional, inaccurate elements on behalf of our clients," said Davies. "But the implications of this for the mass markets are much greater."
Markowitz said the argument that intelligence and personality sometimes trump rationality in guiding investors has little bearing on his work. His theory comes down to the view that anyone hoping to get the highest payout at the lowest risk should broaden their asset ownership.
"It's advice for the individual investor," Markowitz, 84, said in a telephone interview. "I am delighted to learn the more intelligent a person is, the more likely they are to act in the spirit of what I wrote."


text:
This post arises from a Slate Plus "member takeover," in which Slate Plus members voted on what tech service Lily Hay Newman should give up for seven days. Join Slate Plus to vote in future Member Takeovers.
I would say that I have a mediocre sense of direction. I'm not the one who correctly pulls "Oh wait, it's this way!" out of nowhere, but I can be trusted to get myself and others from A to B if someone needs to take charge. When Slate Plus readers voted that I should give up Google Maps for a week, though, I was worried. I suspected that I used the service even more often than I realized. And I was right.
Over the last seven days I've frequently asked for directions, wandered around, and wasted a lot of time. And I've realized that I use digital mapping services a lot, especially Google Maps and especially on mobile. So giving them all up (including my subway map app) was definitely a challenge.
The big thing I realized from my Google Maps purge is that I use maps services for brainstorming, not just directions. I'll look at the place I'm going even if I already know where it is, so that I can also preview the surrounding area. For example, one night I went to a restaurant near Herald Square, and as I walked past a GAP clothing store, I realized that I should have brought the jeans I needed to return. But I wasn't thinking about GAP when I pictured the restaurant's location in my head. Even sadder, it turns out there was also a gelato place nearby that I didn't find out about until later.
Another thing I noticed is that people are almost always really nice about giving directions—unless they also see you using your smartphone. If I was texting outside a store and then went in to ask for directions, I could feel the unspoken question, "Why don't you just check on your phone, moron?" I tried working in explanations about my smartphone battery being dead, but that sometimes backfired when people graciously offered me their chargers. By the end of the week, I was stashing my phone out of sight and claiming that I had lost it. Who knew that giving up maps for a week would turn me into such a liar?
Also—and I'm not sure if this is because of our increased reliance on mapping services—most people seem to be pretty bad at giving directions. They wanted to be helpful, but they gave vague descriptions, called out poor landmarks, or just sent me to the wrong place entirely. For example, it's not very specific to say that something is "across the street from Grand Central," because Grand Central is a pretty big place. Knowing that I was embarking on this experiment, I had printed out a bunch of NYC maps in anticipation of inevitable problems. But they weren't as helpful in cases where my plans changed at the last minute while I was already in transit.
I'll be honest with you: There was one time when I asked a friend to look something up in their Google Maps app for me. I'm not proud of violating the sacred mission of the Slate Plus Member Takeover in this way. But sometimes you're standing on a street corner, it's pouring rain, you're soaked, your printed map is soaked, and you just need to know where to go. I didn't look at those sweet, precious directions, though. I made my friend describe the route to me. And without even realizing it she reprimanded me for cheating on my Member Takeover: "Why don't you just check it yourself?"


text:
BOYLE HEIGHTS — Federal and local authorities today announced that a reward of up to $100,000 is up for grabs to anyone who provides information leading to the arrest of one or more of the suspects who threw Molotov cocktails at four apartments at the Ramona Gardens housing project.
The reward was announced as officials released a black-and-white surveillance video of the May 12 attacks that showed several persons crossing a pedestrian bridge into the housing project before igniting one of the devices off camera.
No one was injured in the attacks that appeared to have targeted the relatively few African American tenants in the predominately Latino community.
Anyone with information should call a tip-line established by the task force at 1-800-222-8477. Alternatively, anyone with information about this crime may text the letters TIPLA to 274637 (CRIMES) or send an e-mail to firstname.lastname@example.com.


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text:
1. retrieve - verb
· get or find back; recover the use of; "She regained control of herself"; "She found her voice and replied quickly"
Synonym(s): recover, find, regain
2. retrieve - verb
· go for and bring back; "retrieve the car from the parking garage"
Hypernym(s): bring, get, convey, fetch
3. retrieve - verb
· run after, pick up, and bring to the master; "train the dog to retrieve"
Hypernym(s): bring, get, convey, fetch
4. retrieve - verb
· recall knowledge from memory; have a recollection; "I can't remember saying any such thing"; "I can't think what her last name was"; "can you remember her phone number?"; "Do you remember that he once loved you?"; "call up memories"
Synonym(s): remember, recall, call_back, call_up, recollect, think
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Unscramble.net is the free tool to unscramble letters and words for games like Text Twist, Words with Friends, Scrabble, Word Scraper, and of course the ever popular Jumble newspaper puzzle. It is also great for homework problems that frustrate many parents and students. Unscramble.net provides one and two word unscramble solutions from its extensive 280,000 word list that includes technical, medical and slang words. There is no limit to the number of letters entered for one word unscrambles and the site also provides for rhyming words and dictionary definitions for many of the unscrambled words. Two word unscramble results are provided in two formats for easy comprehension by the user. There is no limit to the number of word combinations provided whether for one or two word unscramble solution sets.
The site is mobile friendly and fully https/tls security compliant. Fast and easy, unscramble.net provides the most accurate and complete word, letter and anagram solutions available. Trust the oldest and most reliable unscramble tool on the net. Word lists are constantly being updated from reliable sources. Android and iOS apps are coming soon.


text:
Undescended testicle occurs when one or both testicles fail to move into the scrotum before birth.
Cryptorchidism; Empty scrotum - undescended testes; Scrotum - empty (undescended testes); Monorchism; Vanished testes - undescended; Retractile testes
Most of the time, a boy's testicles descend by the time he is 9 months old. Undescended testicles are fairly common in infants who are born early. The problem occurs less often in full-term infants.
Some babies have a condition called retractile testes and the health care provider may not be able find the testicles. In this case, the testicle is normal but is pulled back out of the scrotum by a muscle reflex. This is able to occur because the testicles are still small before puberty. The testicles will descend normally at puberty and surgery is not needed.
Testicles that do not naturally descend into the scrotum are considered abnormal. An undescended testicle is more likely to develop cancer, even if it is brought into the scrotum with surgery. Cancer is also more likely in the other testicle.
Bringing the testicle into the scrotum can improve sperm production and increase the chances of good fertility. It also allows the health care provider to do an exam for the early detection of cancer.
In other cases, no testicle may be found, even during surgery. This may be due to a problem that occurred while the baby was still developing before birth.
Most of the time there are no symptoms other than the absence of the testicle in the scrotum. (This is called an empty scrotum.)
An exam by the health care provider confirms that one or both of the testicles are not in the scrotum.
The health care provider may or may not be able to feel the undescended testicle in the abdominal wall above the scrotum.
Imaging tests, such as an ultrasound or CT scan, may be done.
In most cases, the testicle will descend without treatment during the child's first year. If this does not occur, treatment may include:
Having surgery early may prevent damage to the testicles that can cause infertility. An undescended testicle that is found later in life may need to be removed. This is because the testicle is not likely to function well and could pose a risk for cancer.
The problem goes away without treatment most of the time. Medicine or surgery to correct the condition is successful in most cases.
In about 5% of patients with undescended testicles, the testicles cannot be found at the time of surgery. This is called a vanished or absent testis.
Call your child's health care provider if he appears to have an undescended testicle.
Barthold JS. Abnormalities of the testes and scrotum and their surgical management. In: Wein AJ, ed. Campbell-Walsh Urology.10th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 132.
Elder JS. Disorders and anomalies of the scrotal contents. In: Kliegman RM, Behrman RE, Jenson HB, Stanton BF, eds. Nelson Textbook of Pediatrics. 19th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 539.
Wampler SM, Llanes M. Common scrotal and testicular problems. Prim Care. 2010; 37:613-626.


text:
Word? Possible H.I.V Cure!
Two doctors in Houston, Texas, believe they might have discovered the Achilles heel of the HIV virus. KHOU's Lee McGuire reports.
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DAYTONA BEACH, Fla. — With the No. 3 on the pole for the 2014 Daytona 500, it will bring back plenty of memories of seven-time Cup champion Dale Earnhardt.
It was 13 years ago today when Earnhardt died on the final lap of the 2001 Daytona 500. NASCAR would never be the same, with his death having an incredible impact on everyone in the sport.
PHOTOS: Memorable moments of Earnhardt's No. 3 | NASCAR's most beloved drivers
For every individual, Earnhardt and his legacy mean something different. He touched many people in different ways. For many of us, that day 13 years ago is still clearly etched in our minds.
I was a sportswriter for The Daytona Beach News-Journal at the time and I went to the infield care center after the accident, and will never forget how white Ken Schrader's face was when he came out and how he stammered through an interview.
It was Schrader's mannerisms, coupled with the fact that Earnhardt was being taken straight to the hospital, that hinted of a tragic day.
MORE: Dillon puts No. 3 on top | Dillon and RCR | Daytona from Goodyear Blimp | Duel lineups
As the garage was emptying, we were soon shooed away from Earnhardt's team hauler.
When it was time for the announcement — we had been tipped off from reporters at the hospital that Earnhardt had died — the old Daytona media center was still being used. It was fairly small and there were photographers and videographers standing on desks trying to get a shot of NASCAR President Mike Helton uttering the words that Earnhardt had died.
It was a surreal moment. Reporters cried. They couldn't believe he was gone.
Me? I was sad, but unfortunately, death is a reality in racing. There were other drivers I had been much closer to who had been killed in races, and NASCAR was having a string of deaths. It was a huge story and time to go to work.
There were just so many questions. The wreck really didn't look all that bad. Was it the cars? Could this thing that a few drivers wore, called the HANS Device, really have saved him? What can be done to the walls?
As a reporter who went to the occasional race beyond Daytona but didn't travel the circuit, I didn't know Earnhardt well. I once interviewed him in his hauler at Michigan for a story about Daytona. I had to ask him, for a different story, about having Budweiser and Remington on the side of his son's car at the same time. He didn't get mad at all at the question about how beer and guns could coexist on the quarter panel of a racecar.
While I was amazed at his talent, I also saw an obvious prickly side. Every Daytona race had to have an Earnhardt story, and there were plenty of times when it was a mad scramble to get him following an event.
The News-Journal did a special section on Earnhardt the week after he died and each reporter had to write their fondest memories of him.
I started off my column expressing my dislike for the assignment because I didn't really know what to say.
"Do I write about the time he let the clutch out of his car at the gas pumps and his car lurched forward, almost hitting a number of people?
"Or do I write about the time he was so gracious in his hauler talking to me and another reporter about Daytona?
"Do I write about the time after qualifying where he slipped inside a gate and speedway security slammed the gate shut to keep fans from getting autographs?
"Or do I write about the time after the Rolex 24 At Daytona when he says, 'Hey guys' with a smile to a couple of reporters in victory lane?"
I ended it with: "Sorry, can't do it. I'm still trying to sort them all out."
For me, Earnhardt was a man whom everyone wanted to be. If they could drop out of school, accomplish great things, help out friends in need, own businesses, including a race team, and yet also dictate their will on many people, that would be a great life.
I didn't idolize Earnhardt — I don't really idolize anything. I am a big believer that we all put our pants on one leg at a time.
I do know that his children are polite and have been a pleasure to deal with in this industry. They seem to be incredibly grounded. They're good people, and that is a reflection of the influence of their father and others on their lives.
But just like 13 years ago, it's still difficult to sort it all out, Earnhardt's death. And that is his legacy.
How could he win so many races?
How could he attract the legions of dedicated, worshipping fans?
How could he, even in a sport that is known as dangerous, die on the final lap of a Daytona 500?


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AGOURA HILLS, Calif. – THQ Inc. (NASDAQ: THQI) today announced that Marvel Super Hero Squad, the first title in THQ's licensing agreement with Marvel Entertainment, Inc., has shipped to retail outlets throughout North America for Wii, Nintendo DS, PlayStation 2 computer entertainment system and PSP (PlayStation Portable) system. Marvel Super Hero Squad, which features more than 20 playable Marvel Super Heroes and Super Villains, is now available at the suggested retail prices of $39.99 (Wii), $29.99 (DS and PSP) and $19.99 (PlayStation 2 system). The action adventure-brawler game is rated E10+ for everyone 10 and older. Marvel Super Hero Squad is based on the animated series, The Super Hero Squad Show, which premiered on Cartoon Network last month.
"We are excited to kick off our first Marvel-based video game with Marvel Super Hero Squad," said Kevin Kraff, vice president, global brand management, THQ. "Kids will enjoy playing as their favorite Marvel super heroes and villains as they battle their way through exciting and dynamic levels in the game."
"Our recent successful launch of The Super Hero Squad Show television series, currently the No. 1 show for boys on Cartoon Network[1], underscores Marvel's effort to create a Marvel universe that is fun and approachable for a younger audience," said Simon Phillips, president, Worldwide Consumer Products, and CEO, Marvel Animation. "We are very pleased to work with leading kids and family videogame publisher THQ to build our kid-friendly Super Hero Squad brand in the interactive space."
About Marvel Super Hero Squad
Set in the ever popular Marvel Universe, the Super Hero Squad is on a dire mission against Dr. Doom's Lethal Legion of villains to recover the hidden Infinity Fractals; fragments of the all-powerful Infinity Sword. Each Infinity Fractal holds incredible power and can have significant effects on its possessor, giving each character special abilities that could alter the game's rules and playing field. With more than 20 Marvel characters to mix and match, players can choose to take on the role of their favorite Super Heroes and Super Villains, such as Captain America, Dr. Doom, Falcon, Hulk, Iron Man, Juggernaut, Ms. Marvel, Silver Surfer, Thing, Thor and Wolverine, to name a few. Using character-specific super powers and customized combo attacks, players will blast, punch, and bash in fast-moving combat with their nemesis. Players can either jump into a battle arena against up to three opponents in Battle Mode, or choose to relive six campaigns as depicted from the animated series in Adventure Mode. Marvel Super Hero Squad is an immersive, single and multiplayer game filled with dramatic, interactive environments where players are given extraordinary powers to fight for good or evil, depending on which Super Hero Squad character they chose to play as.
For more information on the Marvel Super Hero Squad video game, please visit www.marvelshsgame.com. Information on the rest of THQ's line-up of family-friendly titles is available on www.thq.com.
About Marvel Entertainment, Inc.
Marvel Entertainment, Inc. is one of the world's most prominent character-based entertainment companies, built on a proven library of over 5,000 characters featured in a variety of media over seventy years. Marvel utilizes its character franchises in licensing, entertainment (via Marvel Studios and Marvel Animation) and publishing (via Marvel Comics). Marvel's strategy is to leverage its franchises in a growing array of opportunities around the world, including feature films, consumer products, toys, video games, animated television, direct-to-DVD and online. For more information, visit www.marvel.com.
About THQ
THQ Inc. (NASDAQ: THQI) is a leading worldwide developer and publisher of interactive entertainment software. The company develops its products for all popular game systems, personal computers and wireless devices. Headquartered in Los Angeles County, California, THQ sells product through its global network of offices located throughout North America, Europe and Asia Pacific. More information about THQ and its products may be found at www.thq.com. THQ and the THQ logo are trademarks and/or registered trademarks of THQ Inc.


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My name is Christine, and I have a Pop-Tart problem.
Ever since I discovered these accidentally-vegan goodies in the vending machine at law school, I can't seem to get my dollar in the slot fast enough. That wouldn't be a big deal every once in awhile, but the vending machine seems to call out my name every time I'm heading to the gym. My banana just looks so blah next to the shimmering strawberry-frosty goodness! And yes—by "goodness," I'm mean 10% strawberries, 90% flavored corn syrup.
Besides packing extra coins for the vending machine, I've also started carrying around ibuprofen. It worked for Matt during his 50-miler, and I count on it for my killer 3:00 headache. But you know when these headaches started? Right about the time I started a daily 40-grams of sugar ritual with these damn Pop-Tarts.
I knew I had to break this sugar-rush-crash-medicate cycle, and vowed to make a batch of my Homemade Energy Bars to satisfy that starchy-sweet craving.
Lo and behold, for maybe the first time in NMA-kitchen history, the pantry was out of beans. Not a legume in sight. But, times of crisis have a knack of spurring creativity—with a deep pantry rummage I pulled together ingredients for some awesome quinoa energy-protein bars.
With over 7 grams of protein per bar (more if you use nuts!) and about a third of the sugar in Pop-Tarts (from energizing dates and agave nectar instead of corn syrup), the case of the addictive pop-tarts is officially closed. Enjoy!
Chocolate Quinoa Protein Energy Bars
- 3/4 cup dry quinoa, or about 2 cups cooked
- 1/2 cup dates, pitted
- 3 tablespoons agave nectar
- 2 tablespoons vegetable oil
- 2 tablespoons ground flaxseed
- 1/2 teaspoon almond extract
- 1/4 teaspoon salt
- 1/2 cup protein powder (I used an unsweetened hemp-based version)
- 1/2 cup whole wheat flour
- 1/2 cup stir-ins like dry fruit, nuts, shredded coconut, or vegan chocolate chips. (I went for half chocolate chips and half coconut)
Preheat oven to 350 degrees. Spray a 8×8 baking dish lightly with baking spray.
Rinse the dry quinoa in cold water, then let sit in a bowl of water for 10 minutes. In the meantime, bring 1 cup of water to boil. Drain the quinoa and add to the boiling water. Cover, and reduce heat to simmer for about 12 minutes. Let cool enough to handle.
In the bowl of a food processor, combine the cooked quinoa, dates, agave nectar, vegetable oil, flaxseed, almond extract, and salt. Process until relatively smooth (the quinoa is so small it stays slightly lumpy).
In a small bowl, stir together the protein powder, flour, and stir-ins. Fold this dry mixture into wet mixture with a spatula. The dough is very thick, like cookie dough, so use the spatula to press into prepared pan evenly.
Bake for about 22-25 minutes, until firm. Let cool, then slice into a dozen bars. Store in an airtight container for up to a week, or freeze for up to 3 months.
Nutrition facts (with chocolate chip and coconut option): Calories: 184, Total Fat: 5.4 g, Saturated Fat: 3 g, Cholesterol: 0 g, Sodium: 37 mg, Potassium: 113 mg, Total Carbs: 29 g, Fiber: 3 g, : Sugars: 16 g, Protein: 7.3 g.


text: AmeriCorps Assistant Director Meghan Jaird named Admission Counselor News Home 09.18.13 By: Buff Lindau Meghan Jaird '10 was named Admission Counselor for Saint Michael's College. Jaird was Assistant Director of National Service Programs for the Washington County Youth Service Bureau, an AmeriCorps program, from 2011 to the present. "I so much enjoyed my experience at Saint Michael's that I wanted to share my passion and enthusiasm with future students," said Jaird, a Dean's List student who graduated with a bachelor's degree in sociology/anthropology and minors in political science and peace and justice studies. "Now I have 'come home' to St. Mike's and can talk with confidence about how liberal studies helps in the real world," she said. In her new position, she will travel as an ambassador on behalf of Saint Michael's to areas in eastern Massachusetts, Rhode Island, portions of upstate New York, Illinois and Ohio. Following graduation, Jaird, a community engagement intern, developed a leadership council for middle school children in Selma, AL, at the Edmundite Southern Missions. She also developed a homework club and art program for elementary students in Selma. "The youngsters in Selma taught me more than I taught them," she said. "They were very knowledgeable about Civil Rights history, especially about the Montgomery to Selma March in 1965." Service and organizational work as a student As a Saint Michael's student, Jaird was a MOVE Core Team Member, helping run student volunteer activities. She also developed and coordinated the Homework Club at the JFK Elementary School in Winooski, VT, from spring 2008 to spring 2010. Additionally she worked with a program to bring Saint Michael's students together with elementary-age refugee children in Winooski in a mentoring program. And as founder of the Saint Michael's College New Sudan Education Initiative, she worked for four years to help establish schools in Southern Sudan through fundraising and advocacy. Jaird, a Burlington resident, graduated from Bellows Free Academy in St. Albans. Her grandmother, Aline Bowen, resides in St. Albans. She is a group fitness instructor and a big fan of ice hockey and running.


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March 8, 2007
DOTHAN, Ala. _When fans of Lady Bisons basketball get together years from now and the talk turns to the 2006-2007 season the number of wins or losses won't be the emphasis.
What will be remembered is a team that truly never gave up, no matter what the circumstances. Playing most of the season without three starters _ Miriam McAlister, Kaleigh Gossman and Tiffany Arnold _ the Lady Bisons managed to finish with an 8-21 record, 6-12 during the regular season in the Atlantic Sun.
"I thought this team really competed despite a lot of adversity and being short-handed," Lady Bisons coach Frank Bennett said. "We have some players with a lot of experience that can make a big difference for us when they come back.
"Miriam played two games without a full-scale practice and averaged a double-double. Tiffany had two games in a row in double figures before she got hurt. And Kaleigh was our staring power forward. When you lose that many quality players who are also your taller players it is hard to cover that."
The final game, an 83-69 loss to ETSU in the quarterfinals Thursday night in the A-Sun Tournament, was a typical game for the Lady Bisons who refused to give up no matter what the scoring the deficit might have been.
In the first half ETSU shot 61.3 percent from the floor, hitting 19-of-31 attempts. The Lady Bisons answered with a 46.4 percent first half performance, hitting 13-of-28 tries. Despite the hot shooting of ETSU the Lady Bisons only trailed 45-34.
"In the first half ETSU put us in shock and awe with the way they came out aggressively and shot the ball extremely well," Bennett said. "They were shooting 77 percent at one point.
"I thought we were rattled. We got out of the game plan that we used successfully when we beat them in Nashville. It took us a long time to get into our game. We could have easily lost the game in the first half. I was proud of our team getting back within striking range at halftime."
In the second half the Lady Bisons pulled within eight points of ETSU on four occasions, but struggles at the free throw line combined with the inside game of ETSU proved to be too much to overcome.
"In the second half it was like night and day," Bennett said. "We were attacking them. We were getting ourselves to the foul line. We gave ourselves some chances. We missed a lot of free throws that could have made it a little tighter. And we didn't keep them off the boards in the second half. They got some second shots that really hurt us.
"I was really surprised at the way we were shook in the first half. We had practiced well. And in the last three halves in the two games before this one we had played with great intensity. I thought we were going to really be ready to play."
The Lady Bisons returned to the tournament this season after a one-year absence.
"I don't know if we were rattled because the tournament setting was new for us or not," Bennett said. "For some reason we had a hard time calming down. I called three time outs in the first half."
Junior point guard Catie Woods shot a game-high 22 points, including five-of-nine from the 3-point arc, for the Lady Bisons, tying her career high set earlier this season against ETSU. Also in double figures for the Lady Bisons were junior guard Dana Carrigan with 12 points and sophomore forward Jilian Partin with 11.
"Catie has played this way all year long," Bennett said. "She led the conference in made 3-pointers and she shot a very high percentage. She had an all-conference type of season, but with a record like ours it is hard to get recognition.
"She handles the ball for us. She is a good defender. If she has just a little bit of room she can knock the 3-pointer down."
Senior center Penny Jones led the Lady Bisons on the boards with six. ETSU held a 38-30 rebounding edge.
Four ETSU players finished in double figures. Jenny Norman led with 19. Michele DeVault added 14. Brooke Wilhoit tossed in 12. Devin Thompson scored 11.
The Lady Bisons are already looking ahead to next year. Bennett is hopeful about the return of his injured players and is still on the recruiting trail.


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Wednesday, August 20, 2008
42:00 - 1:15:45 -- Heavenly Creatures
1:15:45 - 1:19:03 -- Next Month/Outro
» Download MP3 (56 MB)
Fucking Åmål (1998)
Directed by: Lukas Moodysson
Starring:Alexandra Dahlström , Rebecka Liljeberg, Erica Carlson, Mathias Rust
Heavenly Creatures (1994)
Directed by: Peter Jackson
Starring:Melanie Lynskey, Kate Winslet, Sarah Peirse, Diana Kent, Clive Merrison , Simon O'Connor
8 comments:
- Drew said...
If Fucking Amal is more realistic the the documentary american teen then wouldn't that actually make fucking amal unrealistic? And why the hell dosen't jay just watch the movies for christ sakes!!!!!
- August 25, 2008 at 2:04 PM
- Kurt Halfyard said...
Make no mistake, Fucking Amal is a still a movie, not aiming for documentary or full verite real-ness. However, it captures the teen experience (whatever that means) better than most films. The situations and overall vibe of the film aren't exaggerated at all, that is one of the great things about the film. But it's got a lot of emotion, joy, confusion, and otherwise 'feeling' which is what cinema does best.
- August 25, 2008 at 6:03 PM
Good pairing of these two movies. I've always liked both of them (I taped "Fucking Amal" years ago off cable, where it was called "Show Me Love") and they both are very strong in portraying the relationships between the girls. Funny that "Fucking Amal" is the sweeter movie, while "Heavenly Creatures" is the murderous one. "Heavenly Creatures" — even when it first came out on video — always struck me as reminiscent of Hitchcock, without being a ripoff of his work in any way.
- September 18, 2008 at 9:26 AM
- Drew said...
I know you guys miss a month every once and a while but it's been a long time
- October 13, 2008 at 2:16 PM
- Rowboat said...
just came across your blog and am so happy to find some reviews! i just watched Fucking Amal last night, and actually watched it on netflix under the Show Me Love title. Just wanted to let you know it's there. I thought it was surprisingly funny and entertaining.
- September 1, 2010 at 1:21 PM
- viagra online said...
Excellent information and also terrific photos, I didn't expect something like that but it's true.
- January 26, 2011 at 9:11 AM
- Generic Viagra said...
Heavenly Creatures is a cool movie, I did enjoyed a lot the movie when it was released.
- September 28, 2011 at 1:02 PM
- Joel Burman said...
Great discussion as usual guys! I definitively need to re watch Fucking Åmål again. Its truly a great film.
- February 16, 2012 at 12:49 PM


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Customer Reviews
All reviews are from people who have redeemed deals with this merchant.
What You'll Get
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By Stephanie Andrews
I learned at Women's Camp that a woman is a very powerful creature. We set the tone for the whole family, and have the power to attract everything that is needed in life. All we need to do is to tune in to our source and set our intentions. At Women's Camp we were given the homework to practice the meditation Hummee Hum Braham Hum, which means roughly, "We are we and we are God" every single day for a period of forty days and to observe what would happen.
When I came back home to my family, inspired from what I had learned at camp, I diligently began to do my homework. I practiced my meditation every day, which did not receive much support on the home-front. Both my husband and the boys constantly teased me about my "hum hum" noises, but I kept up.
Some time ago we were able to purchase a piece of property and our dream was that we were going to build our own house. Slowly, we pulled together enough to build the garage, which we then moved into and lovingly refer to as our gar-ouse.
The gar-ouse became the lone structure of our dream. We never quite got around to building any more. The funding never came together; nor did we find an architect to finish the plans; the energy around our dream home seemed very blocked.
So, I did my meditation homework and tried to keep my intentions very clear, and I said to the Universe, "I am stuck here and I need some guidance. Am I supposed to build this house or am I just supposed to let it go? Can you just give me an answer?"
Shortly, we received a piece of mail from the county planning office. We were, it said, in violation of such-and-such code, and if we did not submit plans and a schedule for their completion, we would lose our building permit completely.
Naturally we were quite freaked out. I immediately called the planning official to see if there was any leeway. When he answered the phone he sounded like the booming voice of God, "You are going to finish that house!" He was so direct and so clear I knew that I had to do it. I had to find the resources to complete this project.
Shortly afterwards, I ran into my neighbor, who told me that they were bringing an architect up to do some work for them, and what if she sent him by to see what he could do for us? That was excellent, definitely something I should take advantage of, but where was I going to get the money to pay the fellow?
Next morning, I went for a walk and ran into an old high school friend I had not seen in a long while. I had lent him a couple of hundred dollars way back when. He said to me, "You know, Stephanie, I was thinking about you recently, about how grateful I was that you helped me out when I needed it. I'm doing so well now—I wanted to pay you back." And he handed me $600. Perfect.
Next, my husband found more work and some of his additional earnings will be able to go towards building the new house. And when I walked into my gar-ouse today, the completed house plans were there, waiting for me on the table! At camp, I had been told to observe the effects of the Hummee Hum Braham Hum meditation, and after watching everything fall into place, I see clearly how Women's Camp is building my home.
Now my husband says to me, "Honey, do more of that hum hum thing."
Stephanie Andrews comes from a family of eight and was raised in the tight-knit community of Humboldt County, California. She is a Doula, has studied Kundalini Yoga for five years, and has attended all three of the Women's Camps in her area.
Originally published in Aquarian Times, May/June 2006


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Bankruptcy Sem (LAW-795BN-001)
There are no notices at this time.
Each student will be expected to complete a research paper on a topic related to bankruptcy law. The completed paper will be the sole basis of the final grade, as there will no examination. In addition to the 2-3 credit hours students may earn, the upperclass writing requirement may also be satisfied at the professor's discretion. In addition to individual consultations with the instructor, the class may also involve lectures on some current bankruptcy topics.
Textbooks and Other Materials
The textbook information on this page was provided by the instructor. Students should use this information when considering purchases from the AU Campus Store or other vendors. Students may check to determine if books are currently available for purchase online.
First Class Readings
No Reading Assignments at This Time.


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Opening Night 2016 (8)
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YAKIMA - Sixteen members of Sunnyside High School's DECA Club brought home a total of 24 medals from the Washington State Area 10 competition held in Yakima.
One of those students, Karla Villanueva, earned a state competition berth.
DECA Advisor Erin Ferguson said all of her students competed in the individual series of the competition.
There are three series in the competition, including the individual projects. Also included in DECA competition are marketing projects for teams, as well as written projects.
Ferguson said the students from SHS didn't compete in either of the latter series because team members must remain consistent throughout all levels of competition. Written projects, she said, have not been pursued due to the amount of time devoted to a 30-page essay.
"I try to have the students complete the projects in class," said Ferguson, noting approximately half of the DECA members are involved in the marketing class that operates the DECA store at the high school.
That means time is limited.
To compete in the Area 10 competition, students beforehand complete a written test that is good for half their score.
At the area competition, said Ferguson, students compete in an oral competition involving role playing presentations. The students are provided a scenario in which they are tested based on their responses. The scenario involves a marketing problem for which a solution or choice must be presented.
Ferguson said retail marketing or expansion of a business could be part of the scenario.
"They are all business scenarios…whether it's increasing sales, expanding, figuring out how to meet the needs of the customer base or introducing a new product line," said Ferguson.
She said one student was provided a scenario in which a restaurant was having an issue. The orders, she said, were continuously being mixed up. The student had to come up with a way to rectify the problem.
Students are provided 10 minutes to prepare presentations with a plan and/or solution for the scenarios they are provided. Two judges score the presentation, which is worth 100 points.
"I am just really pleased with how well we did," said Ferguson, stating she is looking forward to accompanying Villanueva to the state competition in March. That competition will be in Bellevue.
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Definition of noil
n. - A short or waste piece or knot of wool separated from the longer staple by combing; also, a similar piece or shred of waste silk. 2
The word "noil" uses 4 letters: I L N O.
Direct anagrams of noil:
lino lion loin
Words formed by adding one letter before or after noil (in bold), or to ilno in any order:
a - aloin c - colin nicol d - indol e - eloin olein g - lingo s - linos lions loins noils y - noily
Shorter words found within noil:
in ion li lin lo nil no oil on
List shorter words within noil, sorted by length
Words formed from any letters in noil, plus an optional blank or existing letter
List all words starting with noil, words containing noil or words ending with noil
All words formed from noil by changing one letter
Other words with the same letter pairs: no oi il
Browse words starting with noil by next letter
Previous word in list: nohow
Next word in list: noils
Some random words: blub null kea weazand ibex ought ecarte
This is not a dictionary, it's a word game wordfinder.
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Annular eclipse on Monday 21th May, 2012 taken on the rest area along the Kan-etsu Highway. The Golden ring could be seen for about 5 min from 7:32 to 7:37 AM in Japan. This panorama was taken at 7:34-35. Many photographers and astronomers gathered on this area to see the event. In this morning, may be more than ten million people saw the show in Japan, although the condition the sky was not fair especially in the central Tokyo.
Pentax K-5 camera with 10-17 mm fisheye lens (11 mm). 1/250 s, f/8.0, ISO400. The photo of the annular ring was separately shot with the same lens, but equipped with a sun-filter, then composed onto the panorama photo. You may feel the brightness of the photo is too dark, but this can be compared with the other panorama (www.360cities.net/image/before-annular-eclipse-higashimatsuyama-saitama-japan) taken 20 min. before.
The eight islands of Japan sprang into existence through Divine Intervention.The first two gods who came into existence were Izanagi no Mikoto and Izanami no Mikoto, the Exalted Male and Exalted Female. It was their job to make the land for people to live on.They went to the bridge between heaven and earth and, using a jewel-encrusted halberd, Izanagi and Izanami churned up the sea into a frothy foam. As salty drips of water fell from the tip of the halberd the first island was formed. Its name was Onogoro.So far, so good. But when Izanagi and Izanami first met on their island, Izanami spoke to Isanagi without being spoken to first. Since she was the female, and this was improper, their first union created badly-formed offspring who were sent off into the sea in boats.The next time they met, Izanagi was sure to speak first, ensuring the proper rules were followed, and this time they produced eight children, which became the islands of Japan.I'm sure you did not fail to miss the significance of this myth for the establishment of Japanese formal society.At present, Japan is the financial capital of Asia. It has the second largest economy in the world and the largest metropolitan area (Tokyo.)Technically there are three thousand islands making up the Japanese archipelago. Izanagi and Izanami must have been busy little devils with their jewelled halberd...Japan's culture is highly technical and organized. Everything sparkles and swooshes on silent, miniaturized mechanisms.They're a world leader in robotics, and the Japanese have the longest life-expectancy on earth.Text by Steve Smith.


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Wedding Story
Congratulations on your wedding! We would love to help you spread the news by placing an announcement in The Starkville Daily News. We will need your help in carefully filling out the following questionnaire.
Deadlines for each week are noon on Thursday. All wedding and engagement announcements run in the Sunday section.


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It takes some serious arm muscles to play mediocre golf -- and Tiger Woods sure has them.
Tiger struck the sleeveless version of the $100 million pose on Thursday in a hotel in Providence, RI -- he's in town for the Deutsche Bank Championship.
Tiger was tied for 87th place after the first round, but is seven shots back going in to Sunday.
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The Friends of the Coastal Branch Library of Walton County are at work helping the branch achieve success.
A used book sale was held earlier this month with proceeds going to provide support for the Coastal Branch. A huge thank you to all book sale volunteers and the public for supporting the library with their generous donations and book purchases. The next book sale will be held Oct. 25 and 26. To volunteer or donate books for the fall sale contact the main desk of the Coastal Branch Library.
The Friends' Gift Shop has books available for sale continuously at the library's main desk.
The Friends of the Coastal Branch Library's artist of the month for June is quilter, Mary Zahner. At an early age Mary developed a love of the arts, and a talent for sewing. She created her first quilt 35 years ago. While that first attempt was a primitive piece, she now has a passion for modern art quilts. Mary's quilts will be on display through June at the library.
Exciting things are happening all summer at the Walton County Coastal Branch Library. Wiley Selman will hold free ukulele lessons for ages 6-14, Mondays, 10 a.m., in June. Class size is limited. For more information call Wiley Selman at 850-231-4527.
The children's summer reading program, Dig Into Reading, begins in June. Get your new library card today for Dig Into Reading and join in the fun with each story you read.
Abrakadoodle will present an art and story lesson June 5. On June 12, Teen Team presents Dig into Fairy Tales. The Muellers' will present Dig into Rocket Balloons June 19, and we will Dig into Legos on June 26.
"Summer reading is unleashed," says Coastal Branch manager, Linda Thompson. "Woof! Woof! Let's read together!" Every Monday, 10 to 11 a.m., there will be reading with therapy dogs. Share book time with Duffy and Sydney and their international therapy dog handlers.
For registration and information on summer programs, please contact the Walton County Coastal Branch Library at 437 Greenway Trail, Santa Rosa Beach, or call 850-267-2809.
Lynn Wesson is a member of the board of the Friends of the Coastal Branch Library.


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Topic: Jango and Boba weapon calibers
If you could compare the firearms of Boba and Jango to existing calibers, what would they be? You can use anything as evidence, both g-canon and expanded universe. Anyway here's mine so far:
Jango's pistols:
22LR- In the game Bounty Hunter, it takes like 5 shots to kill someone, which is why it seems the bullets are of a lower caliber.
9mm(or anything similar)- In Battlefront 2, it only takes 2-3 shots, depending on where you hit.
44 Magnum(anything similar)-In Attack of the Clones, Jango takes out a reek with 1 shot to the head or mouth or whatever.
Boba's EE-3 carbine/rifle/whatever the hell it is:
M16 caliber: If you compare the EE-3 from Battlefront 2 and the M16 from Call of Duty 4, both have burst fire and both kill in 1-2 hits.
MY analysis thus far, I can't think of other examples


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Australian People Famous People From Australia
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List of famous people from Australia, including photos when available. The people below are listed by their popularity, so the most recognizable names are at the top of the list. Some of the people below are celebrities born in Australia, while others are simply notable locals. If you're from Australia you might already know that these prominent figures are also from your hometown, but some of the names below may really surprise you. This list includes people who were born and raised in Australia, as well as those who were born there but moved away at a young age.
List people include Betty Cuthbert, Ramone Cooper and many more.If you want to answer the questions, "Which famous people are from Australia?" or "Which celebrities were born in Australia?" then this list is a great resource for you.


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Chain O' Lakes Blues Festival
September 11, 2012 by Judy Trull
The Chain O' Lakes Blues Festival is coming up on Friday, September 28th and Saturday, September 29th at the famous (or infamous, depending on your viewpoint) Indian Crossing Casino set on the shores of the beautiful Waupaca Chain O' Lakes.
The Indian Crossing Casino is in its eighty eighth year, having opened as a dancing and entertainment "hot spot" on July 4, 1925. Today, it is one of the most significant landmarks on Waupaca's Chain O' Lakes.Even with changes in popular musical over the decades, big band to rock & roll, the Casino's interior has remained virtually the same. The large stage, the velvet stage curtains, and the original wooden dance floor still here as they were in 1925.
At that time, it was illegal to dance on Sundays in Waupaca County so folks quit dancing at midnight on Saturday night. During WWII, programs for soldiers were featured, with 10 cent dances, three for a quarter. In 1930, there was the Battle of the Bands which was broadcast on WLS Radio in Chicago.
Some of the popular musical bands and entertainers featured at the Casino over the years included Glenn Miller, Duke Ellington, Louis Armstrong, Jimmy Dorsey, Les Brown, Lawrence Welk, Beach Boys, Everly Brothers, Woody Herman, Neil Young, Bobby Vinton, Herman's Hermits and Ricky Nelson, who shortly after appearing at the Casino, was killed in a plane crash.
The legend of the Indian Crossing Casino is still alive today, become part of the history and join us at 2012 Chain O' Lakes Blues Festival. Your chance to see a beautiful area right here in Central Wisconsin…and enjoy the last blast of summer on the Chain O' Lakes, with bands with some great names, Reverend Raven and the Chain Smokin' Altar Boys, Big Mouth and the Power Tool Horns, Shaker and the egg…love it! For other details check out http://www.waupacaareachamber.com/event/chain-o-lakes-blues-festival/
Friday – September 28th
6:00 p.m. Dave Steffen Band
8:00 p.m.Big Mouth and the Power Tool Horns
Saturday – September 29th
3:00 p.m. Alex Wilson Band (2011 Wisconsin Blues Band of the Year) Video
5:00 p.m. Shaker and the Egg
7:00 p.m. Reverend Raven and the Chain Smokin' Altar Boys
9:30 p.m. Otis and the Alligators


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I share my experiences in genealogy education, including taking classes at the National Institute for Genealogical Studies and preparing my BCG portfolio. I also post updates to my personal research and general genealogy news.
Thursday, September 16, 2010
Ancestry Expert Connect Success, School Stalling
I have also been very busy with some small projects through Ancestry's Expert Connect. I have had much luck in obtaining interesting projects, and working with great clients. My one complaint is that I spend a great deal of time rejecting projects that are out of my area. I wish there were a way to help clients pick the right professionals to invite to their projects, to save their time and ours. I don't want to ignore these clients and not respond to them, but sometimes it is just too overwhelming to go through all of the invitations, only to find I can't help many of those clients at all.
Which brings me to my (second-to) last point: Any researchers out there in the Philadelphia area interested in trying out Expert Connect? I have to turn away a great deal of people who need records around Philadelphia, or elsewhere in eastern PA. While I have access to a limited number of these records through the Carnegie Library in Pittsburgh, these clients need someone who has easier access to more eastern PA records (and many, many people don't realize that it takes about 6 hours to get from one end of PA to the other).
A quick plug for a genealogy program I've been using a lot lately - RootsMagic 4. The interface isn't fancy, but it does have templates to help you cite your sources correctly (very important!!), and the GenSmarts plug-in has helped me kick-start some research with specific suggestions of collections to search. Very cool new toy (and GenSmarts works with some other genealogy programs as well).
Hopefully I can get back into the habit of posting more often.
3 comments:
Oh Sarah, I am so with you about the Ancestry Connect thing. It is such a waste of the clients time and frustrating for me when I get invitations to bid on their projects and I just can not help them. Like today for example, I was asked to bid on translating some Russian church documents. WTF? I thought maybe I wasn't clear enough in my profile so I went and reviewed my profile. It is pretty clear but I am going to write it up to specifically state what I will do and what I won't do. I must get at least 25 to 30 invitations per week and maybe 2 or 3 are ones that I can help. Well I am off to go put a bug in ancestry.com's ear!ReplyDelete
Thanks for the mention of RootsMagic and the thumbs-up. I've been trying to decide whether to buy it or not. Does GenSmarts come with it or is that a completely different program and is compatible with RootsMagic?ReplyDelete
Sheri - I thought I was pretty clear also. It's understandable that people just see "PA" in my profile and invite me, not knowing I'm WAY too far away to help them. But, for (fake) example, "I need records from Poland"? Can't help you there, and I'm not sure why you thought I could. Hmm. The Expert Connect staff seems to be pretty responsive to feedback though, so I sent my comments to them as well. The system is still evolving, and they seem genuinely interested in getting the problems smoothed out. *crosses fingers*ReplyDelete
Nancy -
GenSmarts doesn't come with RootsMagic, unfortunately. It's its own stand-alone program that works with RM and some other programs. It costs almost as much as RM (exactly as much, if you get the APG discount on RM). You can try out GenSmarts and RootsMagic for free, although you don't get to see/use the best features in the trial:
GenSmarts trial version
RM4 Essentials (a free, limited version of the program)
Hope that helps!


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The following projects were completed by the MA96 American Studies Group at the University of Virginia. They merit considerable interest in and of themselves, though they are intended to serve as appendices to Henry Nash Smith's seminal study, Virgin Land: The American West as Symbol And Myth.
Synoptic Version of Virgin Land


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Major changes in striper fishing coming soon
Several anglers will remember the good old days, when a search of stripers would mean three on the "stringer" to take home.
With what was deemed a declining population, however, the limit was changed to two daily. And, size limitation increased from 16 inches to 18.
While stripers are considered a favored target for Northern California anglers, including myself, what must be remembered is that striped bass aren't native to California. The first stripers, a grand total of 132 fingerlings shipped by train from New Jersey, were introduced in California in 1879, when they were planted in San Francisco Bay.
Those 132, plus another 300 three years later, were the proud parents of the tens of thousands that today inhabit northern rivers and bays and even coastal ocean waters.
And the rest is history.
The downside of stripers is that they have a voracious appetite. In ocean waters, they feed on schools of anchovy. No real problem there, with the exception that they may compete for the same food source as do native fish, such as Chinook and Silver salmon.
It's when striped bass migrate into river waters that they chomp on foodstuffs that may have detrimental effects.
When salmon spawn in rivers – or even hatcheries – and those little babies try to make their way to ocean waters, the big mouths of stripers are inhaling them by the tens of thousands.
The Department of Fish and Game has tried trucking them closer to the ocean and releasing them in areas like Suisun Bay, but the stripers waited for the baby salmon to be released into open water. Stripers are blamed, in part, for the serious decline in salmon numbers.
Another fishery, albeit not a game fish, is the Delta Smelt, another native to California. Their numbers also have plummeted with striped bass taking the blame for chomping on too many of these small fish.
A lawsuit filed in 2008 by the Coalition for a Sustainable Delta is going to be heard in a federal court on March 17 in Fresno. The Coalition is mainly comprised of large farm irrigation districts that want additional waters from the Delta, and critics claim additional water diversions also kill endangered species in the pumps in Tracy.
However, just about everybody is expecting the DFG to soon overhaul the striped bass fishery.
Some years ago, fishery regulations radically changed for landlocked stripers in places like New Hogan Reservoir, where an angler may keep up to 10 stripers and there is no size limit.
Today, in Delta, bay or ocean waters, a striper must be a minimum of 18 inches with a daily bag limit of two fish.
What is expected to come down the pipe is that the minimum size will be eliminated and the bag limit will be greatly expanded.
Correction from last week
If you read last week's column about how to fish for sturgeon, the size limit for sturgeon was listed as 46-inch minimum, 60-inch maximum.
Oops. The maximum size of a sturgeon to be retained is 66 inches.
Current fishing
While rain is still hitting the north state, along with snow in the higher-elevation regions, the severity of the storms has decreased. That should mean better weather is just over the horizon. More sunshine. More clear sky. And warmer.
That equates to some of the best fishing times in California.
Sierra: The high-elevation lakes are in prime shape for great ice fishing, and most are producing quite well. Red Lake and Caples Lake have shown awesome rod-bending opportunities with most anglers coming away with easy limits.
Boca and Prosser Reservoirs have always been popular lakes to bore holes through the ice. They're easily accessible and generally show good success.
Now that Northern Pike no longer are an issue at Lake Davis, those boring holes through the ice are stringing up nice 'bows with the best action near the dam.
For the most part, use any common bait – salmon eggs, Power Bait, night crawlers – on a drop sinker rig near the bottom. Keep adjusting until you get regularly bit.
However, don't discount lures. Trolling a lure through a hole in the ice isn't an option, but you can drop the lure and jig it with a high degree of success.
If you've never tried ice fishing, go. It really is a blast.
Contact George deVilbiss at email@example.com.


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NHL joins effort to get gay slurs out of sports
The National Hockey League on Thursday formed a partnership with You Can Play, an organization that promotes equality for gay and lesbian athletes.
The National Hockey League on Thursday formed a partnership with You Can Play, an organization that promotes equality for gay and lesbian athletes, hoping to make the league more welcoming to gay players, fans and officials.
The NHL is the first of the four major U.S. professional sports leagues to sign up with the year-old organization, which aims to make players more sensitive to the atmosphere of "casual homophobia" that can exist in locker rooms.
The announcement comes the week after Rutgers University in New Jersey fired its men's basketball coach after ESPN aired video showing him berating players with homophobic slurs.
While that coach's behavior was extreme, said Patrick Burke, a talent scout for the Philadelphia Flyers who co-founded You Can Play, it is not uncommon for players and coaches to use homophobic language, even if they consider themselves supportive of gay rights.
"If you were to go to a group of athletes and say, 'Would you support an openly gay friend,' the vast majority would say yes. But if you were to say, 'How many of you have used an anti-gay term in the last 48 hours,' the majority would also say yes," Burke said.
"We have this disconnect with people and that's where education comes in. These are the only slurs today that can be explained away by someone saying, 'I didn't mean it that way.' With other slurs, racial slurs, that doesn't happen."
The league said it would launch an education campaign targeting players and fans intended to promote tolerance.
"Our motto is 'Hockey Is For Everyone,'" said NHL Commissioner Gary Bettman. "The official policy of the NHL is one of inclusion on the ice, in our locker rooms and in the stands."
So far no pro athlete in any of the four major U.S. sports leagues -- a list that also includes Major League Baseball, the National Football League and the National Basketball Association — has come out as gay during his career.
Some, including former NFL defensive back Wade Davis, NBA center John Amaechi and MLB outfielder Billy Bean, have come out after retiring from their sports.
Burke's brother, Brendan, was a manager of a college ice hockey team who came out as gay in 2009 and a year later died in a car accident.
Support for gay rights has risen markedly in the United States over the past decade, with gay marriage now legal in nine U.S. states plus the District of Columbia.
A March Reuters/Ipsos poll found that 63 percent of Americans support gay marriage or civil unions, though there were sharp regional differences with support higher in the Northeast and lower in the South.
Follow Metro Boston on Twitter: @MetroBos


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