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When you're surfing the web and spot targeted ads based on your prior searches, it's a jarring reminder that someone — companies, websites and search engines — is following your digital footsteps.
They are also following the money. The volume of personal digital data available is transforming everyday commerce, particularly marketing and advertising.
Companies want to engage and interact with you through multiple platforms that can include emails, mobile devices, social media and online video — and even use that new data trove to spawn new forms such as junk mail. They want you to linger, get to know your likes and dislikes and offer more targeted promotions.
In fact in four years, advertisers will spend $77 billion on digital interactive marketing — as much as they do on TV today, according to research firm Forrester.
With so much money at stake, it's no wonder companies are retooling how they use metrics and analytics to achieve business goals. Other industries including financial services and health care are also working to capitalize on the data boom.
"In the span of just a couple of years, how we think about customer data has really changed," says Fatemeh Khatibloo, senior analyst at Forrester, who specializes in customer intelligence, privacy and personal data issues.
The fast-changing industry is breeding startups, which are remaking existing models and platforms to lure more and more venture capital.
Naturally, the volume of personal information has privacy activists concerned about opaque companies and governments potentially abusing their power. Just a year ago in Egypt, then-President Hosni Mubarak shut down Internet access before his government began a crackdown on political protesters.
Lest you think the issue is confined to nondemocratic governments run by despots, protests erupted in January over anti-piracy legislation in the U.S. Congress.
Buying, Selling Your Personal Data
As individual consumers navigate the digital world, the advertising and marketing industry is busy maximizing the growing volume of online metrics and analysis.
Of course the exchange and use of customer user data have been around for decades. What's changed is the depth of data gathered, and how far and quickly that information is being sold and shared among businesses.
"People have less understanding of what's going on and how their information is being shared," says Rebecca MacKinnon, an expert on global Internet policy.
In the next three years, consumers will likely see even more targeted promotions like those of Groupon, and mobile and video advertising, according to a recent Boston Consulting Group report on the evolution of online-user data.
For example, Time Warner Cable allows some home-based customers to download videos from the cable operator. That kind of individual-use data gives advertisers more pointed digital advertising opportunities.
"It's clear to everyone that the ability to understand more about an individual's behavior pattern creates a huge amount of value," says John Rose, a senior partner at BCG and co-author of the report.
Another trend is the emergence of a secondary market for buying and selling user profiles.
For example, if you visit a travel website and book a hotel room, that site can then sell your user profile to an ad network, according to the BCG report. Then the next time you visit a site supported by that ad network, surprise! You'll get a hotel advertisement based on your prior web activity.
Health Care, Financial Services
Digital consumer intelligence is re-imagining other industries, including health care and financial services.
Managed health-care company Kaiser Permanente, for example, has about 3 million registered users on its website. Members schedule appointments, share data with healthcare providers and receive updates on appointments and prescription refills.
Forrester's Khatibloo sees more health-care companies following Kaiser Permanente, partly because of the broad move to electronic medical records.
"I haven't had a doctor take notes in a file folder in two years. All of my data is already online," she says.
Consumers are also migrating toward financial management websites like Mint.com, which features 5 million registered users, according to Forrester. The site offers a single stop for banking, investments and credit data.
Data Lockers
Looking ahead, Khatibloo sees the emergence of personal data lockers that store consumer information and can be linked to multiple retailers, banks and other businesses.
The idea is to create a simpler digital life. For example, when you buy a car, the purchase, registration and insurance paperwork will be connected online to make your life easier.
Data lockers may also potentially shift the onus of data security to consumers from businesses. But Khatibloo argues in the new digital landscape, responsibility for data security will be shared by individuals and companies.
Businesses "are still responsible for keeping data secure. They're still not off the hook," she says.
Corporate, Individual Digital Responsibility
As the digital data world rushes forward, Internet freedom activists hope companies will step up and offer more transparency about what they're housing.
Search-engine giant Google has already moved in this direction. It releases transparency reports on the number of government inquires for information about users, and requests to remove content.
Just as activism and public awareness pushed once-fringe environmental concerns into the mainstream, a similar process can occur in technology, says MacKinnon, author of a new book "Consent of the Network: The Worldwide Struggle for Internet Freedom." Change "doesn't just happen naturally," she says.
With consumers only in the nascent stages of understanding the digital domain, most are not ready to think and act meaningfully about digital data rights.
"People haven't been pushing them (technology companies) because people are so in love with their iPad or cellphones. These companies haven't been under pressure as other sectors," MacKinnon says.
Eventually, Khatibloo and other digital sector experts say this will create a more balanced digital ecosystem, where consumers demand bigger roles in shaping and managing their online data.
MacKinnon adds, "We have to start thinking of ourselves as citizens of the Internet, not just passive users. I don't see how we can bring about change in our digital lives if we don't take responsibility."


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Get in touch today for friendly advice…
The Gershwin Gang is a sophisticated Buckinghamshire 1920s Gatsby swing jazz band with a large repertoire of songs that everybody knows. We perform every week at receptions, dinners, dances, weddings, birthdays, anniversaries and corporate events e.g. exhibitions, product launches, Christmas parties.
Although most of our performances around Buckinghamshire are for happy occasions, please don't feel embarrassed to enquire about the band to play at a funeral; we've done plenty of these as well!
Subscribing to the principle that the old songs really are the best, our jazz and swing band specialises in the well known jazz/swing songs from the 1920s and 1930s written by the Gershwin brothers, Cole Porter and Irving Berlin and made popular by Fred Astaire, Ella Fitzgerald, Nat King Cole and Frank Sinatra.
We also play more modern songs with a jazzy twist.
All enquiries are handled in person by our band leader (you won't be dealing with an agent – which means you save money!) So you get availability and prices straight away.
We regularly perform at venues all around Buckinghamshire including Hampden House near Great Missenden, Buckinghamshire Golf Club in Denham and the Jurys Inn Hotel, Milton Keynes. But we also play in village halls, company offices and in private homes and marquees in the garden.
You might be able to hear the music right now, but if not, just click on the 'Samples' link at the top of the page. And if you still can't hear the music, just ring or email us and we will immediately send you some mp3s by email.
Our line-up ranges from solo to quintet but its most popular format is a Manhattan-style trio comprising piano/vocals, double bass and drums. Whatever the format, our music will brighten any event while ensuring that it is not so loud as to spoil your guests' enjoyment and drown conversation!
If you are booking the band to play for your wedding in the evening, our pianist can come earlier in the afternoon for the ceremony and drinks reception.
We can also provide a disco to compliment the live jazz and swing band at the end of the evening.
Christmas party? We are already taking December bookings for our 'live Gatsby band and disco' package.
We often take bookings at short notice. But next year's diary is also filling up so please contact us now to secure the band for 2020.
Having a 'Gin and Jazz' or 'Peaky Blinders' themed evening? We're the perfect band for you.
Contact our band leader Selwyn now for friendly advice, free music samples, competitive prices and availability. You can ring us any day of the week between 9am and 9pm, including week ends. Or just email/text us and we will try to get back to you in 10 minutes.
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subset: commoncrawl


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Learn about our history as a founder of the predictive maintenance industry, our offices, and our commitment to technology and service.
Every industry has unique requirements when performing condition monitoring, asset analytics and predictive maintenance. Learn about the industries ITR serves and the types of equip monitored, analyzed, and reported upon every day.
The outcomes of an organization's PdM process result in major financial impacts. Success or failure relies on the effectiveness of service and technology partnerships established with industry experts. Consider the following before making investment decisions to avoid common mistakes.
We think ITR is a pretty special place. Our industry, culture, and work environment are unlike any other. Our workforce turnover is almost non-existent. Let us know if you think you are a good fit.
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Cheeseman Farm is family owned and operated offering a variety of activities.
- Our beautiful "Betsy's Barn" is a unique setting to celebrate your most joyous occasions -- groups of 130 to 300
- Need something a little more intimate -- "Breakneck Lodge" is a great place to host a gathering of friends or your organizations meeting.
- Looking to get away from it all and spend some quiet relaxing time enjoying nature -- Then visit "Breakneck Campground" were you can pitch a tent or stay in a cabin. Either way you will be able take advantage of the many activities offered at nearby McConnell's Mill and Moraine State Parks.
Family Fun in the Fall
Come on out to the "Cheeseman Pumpkin Festival" and start a new family tradition. Take a hay ride, pick a pumpkin, run and jump in the hay maze, spend some time enjoying the petting zoo and browsing seasonal items and gifts. Or maybe you want to put a little fright in your night. Then plan a visit after sunset when we host the renown "Cheeseman Fright Farm".
The Cheeseman Farm Attractions
There is much to do around the farm!
Hold you wedding or event at the beautiful Betsy's Barn.
Spend some time camping right next to McConnell's State park at Breakneck Campground.
Enjoy the fall times at The Pumpkin Festival or get a scare at the Fright FarmFright Farm.


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You'll be hearing a lot about birthdays this year in the Evergreen area. On July 4, 1859, the Bergen family finished building their cabin in today's Bergen Park, among the first settlers to put down roots in the area. In celebration of the 150th anniversary of this "founding" of Evergreen, John Steinle, administrator at the Hiwan Homestead Museum, has teamed with the Center for the Arts Evergreen.
On Wednesday, March 25, Steinle will present a photo journey through Evergreen's past via historic photos from the museum's collection.
If you currently subscribe or have subscribed in the past to the Canyon Courier, then simply find your account number on your mailing label and enter it below.
Click the question mark below to see where your account ID appears on your mailing label.
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Presenting Archaeology to the Public: Obligation and Opportunity
by Joe Bagley
How many public archaeology lectures, events, or tours have you done in the past year? If you answered "none," you might not realize how important they are to your field and professional development, or you may not realize just how easy they are to do.
In an era where NSF funding is getting slashed, historic preservation laws are under threat, and National Geographic is celebrating metal-detecting, there is no greater time for archaeologists to get the word out that historical archaeology is valuable, important, and must be funded and protected.
That's where we all come in. As the City Archaeologist of Boston, I am obligated by my job description to provide archaeology events, lectures, and tours to the public. Well before starting my job I had been giving public talks on Boston's archaeology with beneficial results for both my career and public perceptions of archaeology.
When I talk to students of archaeology, I'm often asked how to bridge the gap between school and career, and the first thing I tell them is to put themselves "out there" and start doing public events. It doesn't matter if you are interested in pursuing careers in CRM, academics, museums, or writing, you will benefit from these events.
We can start with personal benefits: First, you will become more relaxed about giving public talks. I was terrified the first few times I gave lectures, but you will get over it, I promise. Second, you will learn through experience what does and does not resonate with the public. If you think something is important but the audience is asleep you either need to sell it better or drop the topic entirely from your public talk repertoire. Finally, you will give yourself and the public an opportunity to present the reality of archaeology and gain support for the various laws or institutions that support what we do.
If you want to pursue CRM, you will one day need to be able to convince a town or group that additional data-recovery archaeology is necessary before destruction or a site should be preserved rather than developed. If you don't have experience with speaking to the public, your inabilities may result in the destruction of history. Academic relevancy should be obvious: speaking before an audience and keeping it interesting will only improve your abilities to run a classroom and publish that book you have been working on in your head. Museums are constantly in need of public support, how better to convince the public that your institution is important? And all of you writers, how about finding out if people actually give a hoot about your topic in an hour-long talk before dedicating a year (or more) of your life to a book that might not sell.
I'm sure some of you are thinking "well yeah, it's easy for YOU to do public events, you're the City Archaeologist!" True, that does grease skids and open doors, but it is shockingly easy to get public speaking gigs. For several years between undergraduate school and grad school I was struggling to find work in archaeology. While pursuing alternative job opportunities, I realized I was quickly losing any momentum in archaeology that I had gained as an undergrad.
I had been studying Boston archaeology for several years and had developed a small mountain of research and data. On a whim, I started emailing various local library directors with an offer to give a free (emphasize FREE) public lecture on the "Archaeology of Boston" that will cover both the Native American and Colonial history of the city. I soon had four bookings for talks at various libraries in the Boston area. One of these was the main branch of the Boston Public Library. Naturally, I wrote the lecture after securing the gigs.
I want to emphasize here: I had a BA in archaeology with no active job in archaeology or affiliation. Libraries are very interested in public talks on topics not normally covered, and it frankly doesn't matter if you get 5 or 50 attendants, you will learn from every last one of these events. I did a talk at the Boston Public Library that did not make it into their online calendar (there's a lesson right there: insist you are included in the library's calendar and double check!). At the time the talk started I was in a room with chairs for 100 people and NOBODY was there. Eventually I had three people arrive 10 minutes late and gave one of my best talks to that tiny crowd. One of those in attendance is the leader of a local events coordination group in Boston. I now see him at almost all of my talks and he regularly brings 5-15 other people from his group. It's always worth it, and I learned a great deal about publicity that day.
I know, because I asked, that these public talks during my "gap years" in school/jobs helped reassure my current employer of my commitment to archaeology and also demonstrated my public speaking abilities prior to getting a job where they were a regular occurrence.
If libraries are not your style or you've conquered them all, approach local museums and historical societies or organize a walking tour. Email the local organizer of your state's Archaeology or Preservation Month/week and asks them for connections to institutions looking for speakers/events. You would be surprised how people are to relevant archaeology talks and hands-on events or activities, especially if they are free. Don't forget: Archaeology is innately interesting and 50% of your pitch is saying the word "archaeology." The connections you can make at these locations are invaluable too. Who knows, perhaps you may realize that public work at a museum is what you are truly passionate about?
Want publicity? Write your own press releases. Why not? "Local archaeologist presents recent archaeological discoveries at (insert site/country here) in library talk." Google "how to write a press release" and send them to local papers. They don't get much opportunity to write about archaeology and will be happy to do so.
To wrap up, you can only benefit from public events, even if nobody comes. Flop sweat is the greatest motivator for personal improvement. Public events are great opportunities to refine your presentation style and determine what topics resonate with the public. They are also your greatest opportunity to promote archaeological laws and funding to the public, who have the ability to vote them out of existence. Whether they be the local library or a major speaking event, the connections you can and do make and the experience you gain are invaluable to your own career. You do not need formal associations with particular programs or institutions, but you DO need to be your own advocate and represent yourself in the best possible terminology. Opportunities will not be handed to you, sometimes you need to go out there and take them for yourself. What have YOU done to promote yourself and archaeology to the public?


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The Optoelectronics group of Vishay Intertechnology, Inc. announced the VLMU3100, an ultraviolet (UV) LED in the surface-mount PLCC-2 package. Aimed at a wide range of applications, including adhesive curing, the VLMU3100 will serve as a solid-state replacement for mercury vapor lamps.
The VLMU3100 features a typical luminous intensity of 11 mcd at 20 mA, with a typical wavelength of 405 nm and forward voltage of 3.2 V for low power consumption. Designed for long service life, the VLMU3100's PLCC-2 package consists of a lead frame, which is embedded in a white thermoplastic. The reflector inside this package is cast in clear silicone, guaranteeing a long lifetime. The viewing angle is 120°, and the package dimensions are 3.2 mm by 2.8 mm by 1.9 mm.
The VLMU3100 overcomes many of the problems associated with systems based on mercury vapor lamps, which generate significant heat and degrade unpredictably over their service lives. By comparison, the VLMU3100 features power dissipation of just 120 mW and all the benefits of solid-state LED technology to ensure reliable and stable performance.
The VLMU3100's EIA- and ICE-standard PLCC-2 package is compatible with IR reflow and vapor phase soldering. The devices are supplied in 8 mm tape for automatic placement equipment.
Samples and production quantities of the VLMU3100 are available now, with lead times of four to six weeks for larger orders. Pricing for U.S. delivery only is $9 per 100 pieces.
Vishay Intertechnology
Part Number: VLMU3100


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sponsored by
Jury has case in Ohio's Craigslist killings
Send a link to a friend
[March 12, 2013]
AKRON, Ohio
(AP) -- Jurors must decide if the alleged triggerman charged with killing three men in Ohio by luring them with Craigslist job offers was a masterful manipulator or the target of investigators.
The jury in the case against Richard Beasley, 53, was scheduled for its first full day of deliberations Tuesday. Jurors got the case late Monday and deliberated into the evening as the judge suggested.
The jury will be sequestered in a hotel each night until reaching a verdict.
If Beasley is convicted of aggravated murder, the same jury will return later to consider whether to recommend the death penalty.
His 18-year-old co-defendant, Brogan Rafferty, was convicted and sentenced last year to life in prison without chance of parole. Brogan was under 18 at the time of the crimes and was ineligible for the death penalty.
In closing arguments Monday, prosecutor Jonathan Baumoel repeatedly mentioned the three victims and a fourth job-seeker who survived an attack, and told jurors there was no reasonable doubt that Beasley plotted the killings.
"They were desperate for a better life," Baumoel said. "They wanted a second chance."
Baumoel presented three possible theories for aggravated murder -- planning the crimes or killings done with a kidnapping or a robbery involved.
"This was clearly with prior calculation and design," a component of the death penalty aggravated murder charge, Baumoel said. "He was the mastermind behind this plot."
In the defense response, attorney James Burdon attacked the prosecution's identity theft and robbery motives.
Beasley was using one victim's ID before the man was killed, Burdon said. "He didn't have to lure him to southern Ohio to kill him," Burdon said.
Burdon said the victims had little to steal and suggested that such a circumstance undercut the prosecution's robbery motive.
[to top of second column]
According to Burdon, Beasley was targeted by prosecutors because he posted the jobs offers for someone else. He called targeting Beasley a "hunch" by investigators.
Beasley denied involvement in the 2011 attacks and said that the lone survivor was sent to kill him in retaliation for being a police snitch in a motorcycle gang investigation in Akron.
Prosecutors said Beasley and Brogan used the job postings as bait in a robbery plot aimed at down-on-their-luck victims with few family ties that might highlight their disappearance. The slain men were Ralph Geiger, 56, of Akron; David Pauley, 51, of Norfolk, Va.; and Timothy Kern, 47, of Massillon.
Rafferty has said the crimes were horrible but he didn't see any chance to stop the killings. Rafferty said he feared Beasley would kill him and his relatives if he tipped off police.
Beasley testified that he met with the surviving victim, Scott Davis, but said Davis was the one who pulled a gun in retaliation for Beasley's role as a police informant.
Davis, who was the star witness at Rafferty's trial, also testified against Beasley.
Press; By THOMAS J. SHEERAN]
Copyright 2013 The Associated
Press. All rights reserved. This material may not be published,
broadcast, rewritten or redistributed.
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In an effort to help end homophobia in professional sports, and to provide good role models to LGBT youth at risk for suicide, The Last Closet is encouraging pro athletes to support their gay teammates. Via a series of video interviews and social media campaigns, they hope to encourage commissioners to provide a friendlier atmosphere for gay athletes to come out.
"We believe they do want to support gay players, they just don't know if this is the right time to make that public. They need to be convinced," said Fawn Yacker, co-founder of The Last Closet. "With the military changing its policy and the President voicing his support, this would be the perfect time. So far each Commissioner has got 300 letters. To see the Commissioners faces, see them say those words -- it's important."
In 2000, Yacker and Dee Mosbacher released their documentary "Training Rules," an examination of homophobia in women's collegiate sports, to critical acclaim. In the aftermath of this success the filmmaking team turned their attention to men's professional sports. They discovered that to date, not one professional player in the top five U.S. major sports of football, baseball, basketball, hockey and soccer has come out while still actively playing.
During their research, Yacker and Mosbacher came to understand that many members of the sports hierarchy would not talk to them for such a documentary. They resolved to secure interviews, and founded their online project, The Last Closet, with the aim of encouraging gay pro-sportsmen to be open about their sexuality.
The campaign asks that the sports-loving public send letters to the League Commissioners via their website, and send tweets to their Twitter pages that ask them to answer on camera two questions: Would you invite the gay players in your league to come out, and what support systems would you have in place for them once they do?
In the following months, these efforts will be concentrated on sports agents, sports writers and the players themselves. The commissioners addressed for the next two months are David Stern of the NBA, Roger Goodell of the NFL, Bud Selig of the MLB, Gary Bettman of the NHL and Don Garber of the MLS.
"Athletes are our national heroes. That none have taken the courageous step to 'come out' sends a distinctly negative message to our youth. Just one professional player saying the words, 'I'm a pro athlete and I'm gay' would profoundly contribute to the emotional health of those young people without heroes of their own in major professional sports," reads the letter sent to the commissioners.
Outsports & Out LGBT Teen Athletes to Interview Pro Players
"Gay pro-athletes are afraid of the unknown. They think they don't know what will happen if they come out. But we do know what will happen," said online gay sports community Outsports Founder Cyd Zeigler, who has championed the campaign.
"The media and the fans will respond positively. He won't be dropped by his sponsors," he said. "Most of the teammates will be supportive. Athletes have just 3.5 years for their career and many don't think outside of the sport, they don't open their eyes. They have like a 1 percent chance of losing from deciding to come out while they're still playing."
Zeigler will be conducting the interviews as they are scheduled, although, as yet, every commissioner has refused to cooperate. Yacker has also recruited two teen interviewers, out gay high school athletes themselves, to assist Zeigler with the interview process. Galen Dodd is a 16-year-old volleyball player and Grady Schroeder is a 17-year-old track runner.
"We want the interviewees to feel like the interview is a collaborative project. We don't want them to feel they are being forced. They will be presented in the best light as people who came forward to make a difference," said Yacker.
The hope is that, with a number of testimonies, currently closeted gay players will see that it is safe to be open and honest. The first might not be a star athlete but someone out of the spotlight and there's the possibility their decision will increase their notoriety and gain them sponsorship. Alternatively a star player will decide his powerful position will make it easier for him to lead the way for others.
The campaign is also asking that athletes, coaches and fans in the general public submit their own video testimonies through the campaign website to show support for ending homophobia in sports and suggest their own questions for the interviewees.
"We need to redefine what it means to be a sports champion. Athletes win championships with their teams, not alone. To be a hero you need to embrace your status as a role model and uplift people," said Zeigler.
From our media partners at EDGE


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At Peregrine, we are always on the look out for inspiring travel photography to feature across our brochures, website and social media.
And that's why we are excited to launch our passenger photography deal. Because we believe our travellers make for incredible photographers, after all you're on the ground and in the thick of the adventure.
Winners could see their work published in our brochure and all entries used will receive a $50 travel voucher for use towards their next Peregrine trip.
To enter
Click here and follow the online instructions to upload your images. Alternatively you can email firstname.lastname@example.com.
Happy snapping!


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SAS is a Leader in The Forrester Wave™: Predictive Analytics and Machine Learning Solutions, Q1 2017
SAS earned the highest scores in all three categories: current offering, strategy and market presence.
"SAS reimagines its data science portfolio."
SAS earned the highest scores among the 14 vendors evaluated by Forrester in each of three predictive analytics and machine learning categories: current offering, strategy and market presence.
The report said, "SAS reimagines its data science portfolio. SAS is unifying its comprehensive portfolio of data science solutions under SAS Visual Suite. It brings together world-class data prep, visualization, data analysis, model building and model deployment. This unified tooling approach provides a consistent user experience that data scientists need to build even the most sophisticated models."
"The evolution of analytics continues with our SAS® Viya™ platform," said Saurabh Gupta, Director of Analytics Products at SAS. "Enterprises are clamoring for powerful analytics to help them drive innovation and competitive differentiation. SAS has been their go-to partner for analytics insights and decisions, and we're continuing our leadership with SAS Viya."
SAS Viya, an open, cloud-ready analytics platform, was cited in The Forrester Wave™: Enterprise Insight Platform Suites, Q4 2016, in which SAS was named as the only leader. SAS Viya applications offer fast, distributed processing with integrated data prep, visualization, analytics and model management. The product portfolio supports a wide range of user types, including business professionals, analysts, statisticians, data scientists and executives.
SAS' vision for data science is not limited to innovation in tools. It has been quick to jump on any new promising analytical methods across multiple disciplines, such as statistics, econometrics, optimization, machine learning, deep learning and natural language interaction. It recently introduced support for calling SAS analytics from Python, Java, and Lua, leveraging open source data science notebooks.
The Forrester Wave™: Predictive Analytics and Machine Learning Solutions, Q1 2017
Recommended Resources
Learn about the modern applications of machine learning.
Discover how DSW used SAS to reduce out-of-stocks and markdowns, and achieve higher margins.
Find out the pros and cons of machine learning, as well as the keys to a successful deployment.
© 2017, Forrester Research, Inc. All rights reserved. Unauthorized reproduction is strictly prohibited. Information is based on best available resources. Opinions reflect judgment at the time and are subject to change. Forrester®, Technographics®, Forrester Wave, RoleView, TechRadar, and Total Economic Impact are trademarks of Forrester Research, Inc. All other trademarks are the property of their respective companies. Unauthorized copying or distributing is a violation of copyright law. To purchase reprints of this document, please email firstname.lastname@example.com. For additional information, go to www.forrester.com.


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You are a capital markets professional looking to advance your career? Our study programmes and certificate courses on all aspects of the capital markets and on Deutsche Börse's systems are waiting for you. Upon completion you will receive a highly-reknowned certificate.
Certified Clearing Specialist
This programme offers an excellent opportunity to the industry community to significantly enhance knowledge of clearing processes and how counterparty risk is managed across a variety of different markets and platforms and relevant public policy issues. This course is only held in Germany in German.
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South San Francisco Motorcycle Accident Attorneys
If you or a loved one has been injured in a motorcycle accident and need legal advice from experienced South San Francisco motorcycle accident attorneys, call 415.433.4440 or email us online.
There is nothing low-key about motorcycling. It's both a vastly rewarding pastime and, under all-too-common circumstances, a dangerous one, especially when others (namely, manufacturers and fellow drivers) are negligent. Indeed, over the past decade, motorcycle fatalities have been on the rise, having increased from 2,115 in 1997 to an all-time high of 4,810 in 2006, according to the National Highway Traffic Safety Administration (NHTSA).
When riding a motorcycle, there is little room for error. But unfortunately, as prudent as a motorcyclist may be, there is little he or she can do about someone else's errors. And riders are suffering harm more disproportionately than any other type of motor vehicle operator. While motorcycle fatalities accounted for 5 percent of all traffic crash deaths in 1997, they made up 11 percent in 2005, with motorcyclists under age 40 suffering the greatest increases.
South San Francisco Motorcycle Accidents
Protective gear has helped motorcycle riders survive crashes — but it is not a panacea. In fact, the NHTSA, which has been compiling fatal motor vehicle crash data since 1975, has found that about 35 percent of helmeted motorcyclists killed in crashes between 2000 and 2002 suffered head injuries. Just as alarming, by 2005, the motorcycle fatality rate was 73 per 100,000 registered vehicles — compared with 14 for every 100,000 automobiles. Contact our South San Francisco motorcycle attorneys if you have been injured in a motorcycle wreck.
Contact Our South San Francisco Motorcycle Accident Attorneys
What motorcyclists, and their families, can control is what they do after an accident occurs. Motorcycle crashes can be life-altering events, but the law provides the means for obtaining redress, and answers, when negligence has caused harm. Our South San Francisco motorcycle accident attorneys have been litigating motor vehicle crashes — including motorcycle accidents — for more than a quarter of a century, and that hasn't just taught us how to litigate these cases. It has taught our legal team how to understand, and leverage, the nuances that mean the difference between winning and losing. We rely on the countless tactics we've learned over the years — and on one overriding strategy: To make our client's best interests our only interest. For immediate assistance from an Oakland, San Jose, San Mateo or South San Francisco motorcycle accident lawyer call 415.433.4440 or email us online.


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She is powered by twin 420hp 3126TA Caterpillar Diesels with only 190 hours since installed new. Her engines were replaced by Caterpillar with factory new engines when she had 300 hours on her in January 2000. There is a total of 500 hours on the vessel.
Very comfortable & spacious interior with (2) Staterooms with the master aft and the guest forward. There are (2) full heads with separate showers, Full Galley and washer & dryer. The flybridge and aft deck are also very spacious.
She is loaded and has a full electronics package, dingy with 25hp mercury outboard (dingy new 2009), dingy davit, generator, reverse cycle a/c's, plus much, much more!
2009 she received all brand new enclosures and exterior canvas as well as updates to the interior, which included a new custom mounted large screen Flat Panel LCD Stereo and new stereo.
Truly a must see!
Owner wants sold!
Bring Offers!
Texas Sportfishing Yacht Sales - Clear Lake
2400 South Shore Blvd Pier #15
League City, Texas 77573
She has a very spacious interior that is light and bright with plenty of storage throughout. Master stateroom is aft with a queen inner-spring matress, TV/VCR, vanity, desk and private head with a speperate shower. Guest stateroom is forward with off-set double bunks, good storage, and head with seperate shower.
Bimini top with full enclosure, aft deck hard top with wing doors & enclosure, aft deck wetbar, refrigerator & ice maker, shower, windshield, weather cover, radar arch, forward deck sunpad
Alyce's Palace II is as nice as they come! She is highly maintained and is absolutely mint.
Factory new Caterpiller 3126T installed less than 200 hours ago.
The Carver 440 is a very popular boat and this one will not last long!!
Personal Items
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
2400 South Shore Blvd.
(Mailing Address 2951 Marina Dr. Ste. 130, League City, TX 77573)
League City, TX 77573
United States


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Doubt Kills Dreams
Doubt Kills Dreams
Doubt kills dreams more than failure ever will - Suzy Kassem
Choose from 5x7, 8x10 or 11x14 sizes to fit the space in your home. These standard sized prints are a breeze to finish with ready made mats and frames from your local art supply store.
Each print is hand drawn before being digitally reproduced on professional quality art paper with a thick, luxurious feel and smooth matte finish.
Prints are carefully wrapped in a plastic sleeve with cardboard backing to make sure they retain their shape and sent to your mailbox in a thick cardboard mailer.
All artwork © Jenny Highsmith 2016
My prints are mainly inspired by encouraging quotes and Scripture verses. They are meant to inspire and uplift you. To make you bold and confident. To know your worth. To celebrate beauty all around you. - - To be a positive voice in your head when there are none.


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Dupont Limited Edition Grand Prix Checkered Flag Streamline R Rollerball Pen
An homage to the highest class of auto racing, the new S.T. Dupont Racing Machine limited edition is inspired by the Formula One circuits and the emblem of victory: the checkered flag. Sure to thrill connoisseurs of fine writing, the collection combines a revolutionary material (ceramium ACT - advanced ceramium technology) with the distinctive 1930's industrial style of Dupont's Streamline-R. The innovative Ceramium ACT, a blend of ceramic and aluminum, will delight you with its looks as well as its strength and scratch resistance. Featuring black and red placed lacquer on the barrel and 159 squares of black lacquer on the palladium-plated cap, the Racing Machine Streamline-R is available in a twist ball pen, convertible rollerball, fountain pen with Dupont's luxurious 14K gold nib, and a Line 2 lighter. Bearing the hallmark D insignia on the clip, each pen is presented with a miniature bronze race car paperweight and will be limited to 1,929 pieces, the year of the first 'Grand Prix de Monaco' Formula One motor race.
Dupont Limited Edition Racing Machine Checkered Flag Streamline R Rollerball Pen Features:


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UK Administration Team
UK Company Accounts Manager
Serena is responsible to the Director of Finance for managing financial matters in our organisation and ensuring each overseas programme is appropriately funded.
Accounts Assistant
Alenka joined Projects Abroad in March 2010. She first worked in an administration role but she now provides full support to the Accounts Manager in all financial matters. She spends her free time with her husband and two daughters and very much looks forward to her annual holidays back in her homeland of Slovakia.
UK Visa & IT Manager
Antony is involved in all areas of general administration and IT, he also overlooks the visa process for volunteers and staff members. Outside of work he divides his time between his passions for cycling and music.
Global Administration Team
Director of Finance
Oko is both the Director of our projects in Mongolia and the Director of Finance. Oko has spent time working in Korea and the UK. He now enjoys living back in Ulaanbaatar with his wife and three children. Having studied for his MBA in Korea, he returned home to Mongolia with his Korean wife, Sang Em. He enjoys singing and is famed for his karaoke skills. He was 5 times gold medallist in athletics when he was a high school student.
Finance Officer
Usuhuu joined Projects Abroad in May 2006 after graduating in International Business Administration from the Computer Science & Management School of MUST. She provides support to Oko in his role as Finance Director. Nobody has ever seen Usuhuu without a huge smile on her face. In her spare time she enjoys reading, music, dancing and spending time with her friends.
Finance Officer
Khaliun joined Projects Abroad in April 2012 after working in a construction company as an economist. She is responsible for various accounting tasks and financial analysis. She has a great sense of humour and makes everybody smile. She loves music and is a big fan of Rihanna and Lady Gaga.
Finance Officer
Ariunzaya joined the Projects Abroad team in July 2014. She graduated from the Southern Taiwan University of Science and Technology with a Master's degree and received her Bachelor's degree at the National University of Mongolia, where she majored in financial management. She loves travelling, cycling, watching movies and spending time with family and friends.
Senior IT Manager
Szilard joined Projects Abroad in 2003. He manages the Romanian IT team and is primarily responsible for developing and managing our online database system and computer network worldwide.
Web Developer
Marius joined Projects Abroad in August 2007. He assists with web design and development. He is passionate about climbing mountains, enjoys driving and likes listening to a wide variety of music.
Web Designer
Gabi joined Projects Abroad in February 2006. She is responsible for our project websites and assists with web design and publicity material. She enjoys spending time with her two "boys"; Fery, her husband, and her son Francisc.
Web Editor
Ioana joined Projects Abroad in November 2008. She works on updating our websites. She loves summer, sea and travelling.
Web Editor
Claudiu joined Projects Abroad in October 2010. He works on web text changes and updating our websites. He enjoys spending time with friends, playing football and watching sports. He also loves to sing.
Senior Graphic Designer
Fabiola has been working with us since 2009 and is the only girl in the team. Fabiola is focused on editorial design and enjoys experimenting with layouts for magazines and documents of any kind. She's committed to the environment and promotes recycling and other measures both in the office and her home. She likes going to live music gigs.
Video Editor
Andres is the new kid on the block. He's now a solid member of the team and has proven to be very effective when speaking about handling and administrating audio-visual material. As a fan of both art and commercial films, he is a reliable source to speak to when wanting a recommendation. He dreams of making his own independent film.
North American Travel Assistant
Blanca has spent all her life in Cochabamba, Bolivia and has done a variety of different jobs including teaching, translating and sales before joining the Projects Abroad Travel Team in January 2011. She studied Linguistics at university and loves spending time with her family especially her young son David.
Program Advisor
Hometown: Cochabamba, Bolivia
Education: B.A. in Translation and Linguistics, University of San Simon
Favorite travel experience: Visiting the "end of the world" in Patagonia, Argentina- especially canoeing and ice trekking while I was there.
Projects Abroad countries visited: Argentina, Bolivia, Ghana, and Mexico
North American Travel Assistant
Tatiana was born in Potosi and now lives in Cochabamba. She has a degree in Linguistics. She has previously worked as a receptionist and an administration assistant in a Chinese company. She joined Projects Abroad in January 2012 and loves meeting people from other countries.
Deputy Travel Coordinator
Jesica joined the Projects Abroad travel team in September 2014. She graduated from Vatel Buenos Aires with a Master's degree in Hospitality Management. Previously, she worked in the hospitality industry in Argentina and the United States before returning to Cochabamba, Boliva. She loves travelling, listening to music and photography.


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The X-Files. Mystery of the Tarot
Site "Surviving in the city" welcomes you. If you have, then you want to get complete information about survival in the modern world, in dangerous and emergency situations. People in the world today is surrounded by a large number of hazards, and therefore seeks to preserve and protect yourself from them - fires, floods, epidemics, traffic accidents, as well as the people themselves.
Site structure "Surviving in the city" built in a convenient and understandable form. All information is placed in the appropriate sections. You will find on our website recommendations and practical advice for survival in today's urban jungle, unique descriptions and photographs of incidents, accidents and natural disasters, in the scheme of the emergency situation, tests and reviews of equipment and protective equipment, useful books on survival in an urban setting.
Main theme of the site "Surviving in the city" - is to be ready to navigate and operate in extreme conditions, and the ability to survive in extreme conditions.
Surviving in an urban setting and the modern world. How to deal with the police, what to do if you are taken hostage. Survival in in other cities, survival in the army, in emergency situations. Natural disasters and man-made disasters. For the future of humanity.


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A few pans aside, most critics are blown away by Bruce Springsteen's debut on the Great White Way.
UPDATED 10/13 with latest reviews -- see bottom of post.
Well, I certainly didn't see this coming. NJ.com -- which never met a Springsteen-related news item it didn't like -- gave "Springsteen on Broadway" a flat-out pan on opening night, going so far as to call it a "dud" right in the headline.
From Bobby Olivier's review:Sorry to break the bad news, Bruce fans, but Springsteen's choice to develop this four-month residency in New York by himself, without the help of a stage-savvy director, has proven a cavalier and foolish decision by the rock icon -- the arc of this disjointed production is saved only by its music and the exclusivity of its venue. He would've been better off playing a straight two-hour acoustic set and selling his audiobook with the candy and cocktails.
Ouch! Fortunately for Bruce (and all the people who've shelled out for uber-expensive tickets), most other critics took a much brighter view of his efforts.
From Jeremy Gerard's Deadline Hollywood review:"Springsteen on Broadway" is a perfect concert ... Seeing Springsteen on Broadway must be similar to what it was like to be in the audience for Clapton Unplugged: an electrifying (well, an acoustifying) session of mostly big big songs rendered without embellishment.
Robert Levin for A.M. New York:It's an extraordinary gift — to bring people together, to make us recognize that what binds us matters more than what divides us. And it has been displayed in a new and exciting fashion in "Springsteen on Broadway."
Craig Jenkins for Vulture:On Broadway isn't haunted by its ghosts. It's an act of penitent commemoration.
Andy Greene for Rolling Stone:The performance is hard to categorize. It's not a concert; not a typical one-man-show; certainly not a Broadway musical. But it is one of the most compelling and profound shows by a rock musician in recent memory.
Jay Lustig for NJarts.net:I'm not sure if Springsteen will alter "Springsteen on Broadway" in the course of its run, but I do think he could improve it.
Dan DeLuca for the Philadelphia Inquirer:Springsteen on Broadway puts its audience through an emotional wringer.
Maeve McDermott for USA Today:And it's quite a show, as Springsteen delivers two hours and 15 songs worth of memories, and revelations, and — for some — plenty of tears.
Chris Jordan for app.com:Sure, there are dark and ominous undertones in Springsteen on Broadway – particularly regarding his relationship with his late father, Douglas Springsteen – but the uniqueness of Springsteen the rock star translates well to Springsteen the Broadway star.
Hardeep Phull for the New York Post:True Bruce-heads will have heard these stories hundreds of times, and the songs thousands of times. But having them whispered into your ear from touching distance means they pack a bigger emotional punch.
Elysa Gardner for BBC.com:Springsteen On Broadway - which arrives roughly a year after his autobiography, Born To Run - is a meticulously crafted, deeply personal journey with set words and music.
Laura Barton for The Guardian:At such close range, Springsteen's precision as performer is quite astounding, each moment deliberate yet effortless. He plays as if it's heavy work, with a strain of the arms and a set of the face.
Tim Teeman for Daily Beast:This is, for Springsteen fan or not, a warmly involving, beautifully sung, and deftly structured evening of song and storytelling.
The one other exception to the raves so far was Mikael Wood for the LA Times:He'd taken away the joy and the release that the E Street Band doles out but was no longer replacing it with any fresh introspection; you suddenly longed to be in a much larger room with many more people.
UPDATED 10/13, 9:30 a.m.:
Jesse Green in the New York Times:"Springsteen on Broadway" is a painful if thrilling summing-up at 68: a major statement about a life's work, but also a major revision of it.
Madison Vain for Entertainment Weekly:Springsteen on Broadway lets one of popular music's most beloved icons flex all kinds of creative muscle in a rare, intimate setting that showcases the true breadth of talents.
Frank DiGiacomo in Billboard:Since this is Springsteen's theatrical debut, as both a performer and a director, he can be forgiven for a clunky transition or two and for not recognizing that writing that crackles on the printed page can sound florid or overworked when transferred wholesale to a script.
Sam Sodomsky for Pitchfork:The two-hour Springsteen on Broadway is compact and precise. Every word spoken, every song performed, and every name summoned seems chosen with great purpose.
Jem Aswad for Variety:"Springsteen on Broadway" is as much a self-made monument to its master's vision and hurricane-force ambition as it is to his life and career, and it bears the mark of a self-made man who'll write his own history, thank you very much.
Peter Marks for Washington Post:"Springsteen on Broadway" erases any last whiffs of Broadway squareness that were not totally eradicated by "The Book of Mormon" and "Hamilton." He also has a story to tell; the show is almost as much spoken word as music. It's a Concert-Plus.
UPDATED 10/13, 5:30 p.m.:
Chris Phillips on Backstreets.com:The resulting feeling of intimacy accounts for a considerable part of the show's power — it's certainly part of what you're after when you pay your money down — and it's difficult to imagine this performance playing nearly as well in a larger hall. It's tailored for the space.
Amanda Petrusich in The New Yorker:Springsteen's mission has always been to be a useful conduit—to reflect or articulate something back at us. But he is a model, too, and "Springsteen on Broadway" contains suggestions on how to age: admit your flaws and inconsistencies, your put-ons, your masks, your fears and humiliations.
Jen Carlson for Gothamist:There is no beer splashing out of cups into the air, no dancing or standing, just you and him—at least that's how it feels—and whatever you are willing to take from the lessons the legend is offering.
Chris Jones for Chicago Tribune:The lighting designer Natasha Katz, whose truly astonishing work is easily missed but crucial, plays her instruments on his craggy brow, letting him hide in shadows but always pulling him toward the light.
Check back for more reviews as they get posted!


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Am I alone in this? I can't be the only one who after the initial symptom-free elation of eating gluten-free started to notice a sly and steady creep back into the old symptoms. A little indigestion here. A little heaviness there. And eventually, even the dreaded b-word.
Lime Quinoa Salad with Mint
Kalyn's Kitchen Vegan Tomato Salad Recipe w/ Cucumber, Avocado, Cilantro and Lime
Jalapeno & Lime Hummus
Elise's Summer Squash Salad Recipe at Simply Recipes
Snappy Crunchy Cole Slaw
Kalyn's Kitchen Scrambled Eggs with Mushrooms and Feta
Easy Guacamole with Lime
Balsamic Roasted Pepper Chicken
Baked Cod with Roasted Sweet and Sour Vegetables
Alanna's Roasted Zucchini with Feta at Veggie Venture
Kalyn's Friday Night Salmon Grilled Two Ways
Roasted Vegetable Cheddar Quiche (use a low fat cheese)
Susan's Grilled Shrimp and Avocado Salad- skip the orange juice- at Food Blogga
Perfect Pantry's Deviled Eggs
Sally's Sometimes Simple is Best lunch idea at Aprovechar


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Detroit has been bankrupt for years. It simply refuses to admit it. Detroit's schools are bankrupt as well. A mere 25% of students graduate from high school.
Yet, in spite of hints and threats from mayors and budget commissions, and in spite of common sense talk of bankruptcy, Detroit has not pulled the bankruptcy trigger.
In a futile attempt to stave off the inevitable one last time, Mayor Bing's latest plan is to cutoff city services including road repairs, police patrols, street lights, and garbage collection in 20% of Detroit.
Bing to Cede 20% of Detroit to Gangs and Homeless
City officials suggest this will not shrink the size of the city. Perhaps it won't shrink Detroit on Google Maps. However, Bing's plan would effectively surrender 20% of the city to gangs and the homeless.
Would you want to live in one of the gang war-zones that his plan would create? Would you want to live in a bordering neighborhood or in a bordering city?
Regardless of your answer, Bing's plan cannot and will not work and I believe Detroit will, sometime in 2011, file for bankruptcy. If so, expect massive turmoil in municipal bonds.
Less Than a Full-Service City
The Wall Street Journal discusses Bing's plan in Less Than a Full-Service City
More than 20% of Detroit's 139 square miles could go without key municipal services under a new plan being developed for the city, with as few as seven neighborhoods seen as meriting the city's full resources.
Those details, outlined by Detroit planning officials this week, offer the clearest picture yet of how Mayor Dave Bing intends to execute what has become his signature program: reconfiguring Detroit to reflect its declining population and fiscal health. Yet the blueprint still leaves large legal and financial questions unresolved.
Mr. Bing's staff wants to concentrate Detroit's remaining population—expected to be less than 900,000 after this year's Census count—and limited local, state and federal dollars in the most viable swaths of the city, while other sectors could go without such services as garbage pickup, police patrols, road repair and street lights.
Karla Henderson, a city planning official leading the mayor's campaign, said in an interview Thursday that her staff had deemed just seven to nine sections of Detroit worthy of receiving the city's full resources. She declined to identify the areas, but said the final plan could include a greater number.
"What we have found is that even some of our stronger neighborhoods are at a tipping point with vacancy," Ms. Henderson said. "Vacancy adds to blight and blight is a disease that takes over the whole neighborhood. So the sooner we can get those homes occupied, the better for the city."
Officials bristle when their efforts are described as downsizing, saying their aim is to repurpose portions of the city, not redraw its borders. "We will not be shrinking the city," Ms. Henderson said. "We are 139 [square] miles and we'll stay that way."
Repurpose or Abandon?
Of course the Mayor's office did not say they would abandon sections of the city to gangs. But how the hell can repurposing as described above possibly mean anything else?
What's next? Barbed wire? Oh wait a minute, Detroit already has tried that. Razor-wire too. Here's a picture of Detroit's clearly abandoned repurposed Michigan Central Train Depot.
Image courtesy of the Journal and the AP.
Detroit's Tax Collection Process
The Detroit Free Press points out Detroit botched Packard plant tax collection
The City of Detroit has failed for nearly four years to send property tax bills to the owner of the Packard plant, costing the city badly needed cash.
At 3.5 million square feet, the plant is by far the largest derelict property in Detroit.
It wasn't until the Free Press began making inquiries last week that the city's assessor's office returned the property to the tax rolls -- with an assessed value of nearly $1.6 million. The change came nearly four years after a Michigan Supreme Court decision prompted the city to surrender the century-old plant to Bioresource, a company whose last listed corporate representative is a convicted drug dealer.
Last week, less than 18 hours after a reporter questioned why the property was listed as city-owned, the assessor's office changed its status to "taxable." The property's assessed value ballooned from almost nothing to nearly $1.6 million.
Robin Boyle, professor of urban planning at Wayne State University, said the error underscores "just how challenged the city is in dealing with the fundamental task of title, control, oversight and follow-through" with property throughout the city.
"To me, that is a fundamental problem that leaves Detroit in a consistently weakened position. It can't even do the basics," Boyle said. "This is a huge piece of real estate, and yet, there's still confusion."
Although only one tenant remains on the property, the plant is not entirely neglected. Scrappers prowl it for metal. Graffiti artists decorate its walls. Someone perched TV sets atop pillars standing at least 15 feet tall.
And it can all be yours for $13 million.
David Wax, senior associate with Burger Easton & Co. in Farmington Hills, has listed the property for sale for a couple of years. He said there was a good deal of interest before the world economic crisis and before steel prices collapsed, making the Packard plant less attractive to buy and then demolish for its metal.
"For 13 years it's been vandalized, raped, burned, stripped of anything of value," Wax said. And on any given day, he said, you can hear "people with hammers and cutting torches cutting steel out of the building."
Packard Closeup Images
The Business Insider has fantastic set of images of the beautiful $13 million Packard property. Here are a couple of those images.
Now that the building has been put back on the active tax rolls to a convicted drug dealer, this is the sequence of events I imagine would transpire were Detroit to stay on its existing path using Bing's plan as the roadmap. 1. Detroit will send a tax bill to Bioresource 2. Bioresourse will not pay the bill 3. Detroit will reacquire the building in a tax sale with no bidders 4. In a couple of years Detroit will realize it once again owns the building 5. Detroit will repurpose the Packard plant with the same success as depicted in the Michigan Central Train Depot image.
Detroit Schools Bankrupt
Flashback July 24,2009: The Wall Street Journal reports Detroit's Schools Are Going Bankrupt, Too
Now's the time to cast off collective bargaining agreements and introduce school choice.
'Am I optimistic that they can avoid it . . . ? I am not." That's what retired judge Ray Graves said this week when asked whether the Detroit public schools, which he is advising, would be forced into bankruptcy. Facing violence, a shrinking student body, and graduating just one out of every four students who enter the ninth grade on time, the city's schools have been stumbling for years. Now they face a seemingly insurmountable deficit and are expected to file for bankruptcy protection at about the time that students should be settling down in a new school year.
As embarrassing as such a filing would be, it also may be the only thing that can force the kinds of changes Detroit schools need—as the financial turmoil is just the latest manifestation of a system in terminal decline.
Detroit is like many urban school districts—large, unwieldy and bureaucratic, with a powerful union that makes the system unable to adapt to changing circumstances and that until very recently had an indulgent political class that insulated it from reform. That insulation came in two forms. The first was neglect. Mayor Kwame Kilpatrick spent several years distracted by a scandal stemming from his affair with a staffer. He resigned last year, pleaded guilty to obstruction of justice, and was sentenced to four months in jail. Had he been an effective mayor, he might have also been a powerful advocate for students.
The other insulating force was a conscious decision to wall off Detroit from charter schools. In 1993, Michigan's legislature made it difficult to create new charters in Detroit by declaring that only community colleges could authorize charters for primary and secondary schools in "First-Class Districts"—defined as those with more than 100,000 students. Detroit was the only First-Class District. In 2003 the state, under pressure from the Detroit Federation of Teachers, turned down a gift of $200 million from philanthropist Robert Thompson that would have established 15 charter schools in the city. Those charters are needed today.
The net result has been a school system that's been coming apart as the teachers union has dug in its heels. In 2006, the union illegally went on strike, killing a plan to force teachers to take a pay cut to balance the system's books.
Collective Bargaining has Morally and Fiscally Bankrupted Detroit Schools
Read that again. Under pressure from the Teachers' Union, Detroit turned down $200 Million. That was in 2003 dollars. Wow. No doubt the union "did it for the kids".
For more on the appalling behavior of Detroit's teachers' unions please see Detroit Public Schools (25% graduation rate) teachers unions opposing highly qualified volunteer teachers.
It is time to kill collective bargaining for public unions, every one of them, and nation-wide, not just Detroit.
Detroit Bankruptcy Looms
Flashback April 6, 2010: Detroit Bankruptcy Looms with Deficit of $446 Million in Budget of $1.6 Billion
Detroit has hit the end of the line. It's budget deficit is between $446 million and $466 million (28% to 29%) of $1.6 billion with few ways other than drastic cuts in wages and benefits to address the problem.
If unions will not give in (and they won't), Detroit Faces Bankruptcy.
With that introduction, inquiring minds are diving into the Citizens Research Council report on The Fiscal Condition of the City of Detroit
The Economic Base
The deterioration of the economic base of the city has accelerated. There were an estimated 81,754 vacant housing units (22.2 percent of the total) in Detroit before the recession; that number increased to an estimated 101,737 (27.8 percent of the total) in 2008.
The average price of a residential unit sold in the January through November, 2009 period was $12,439, down from $97,847 in 2003. Remaining businesses and individuals are challenging property tax assessments on parcels that have lost value and, in some cases, cannot be sold at any price.
More than half of employed city residents work outside the city limits; the metro area has the highest unemployment rate of the 100 major metro areas in the U.S.
Detroit Should Embrace Bankruptcy
The only legitimate solution for Detroit is to shed pension obligations, privatize everything it can including the fire department, and dump unions contracts en masse. Since those items can only happen in restructuring, Detroit should openly embrace bankruptcy.
Detroit Warns of Bankruptcy as It Prepares Bond Sale
Flashback March 5, 2010: Detroit Warns of Bankruptcy as It Prepares Bond Sale
Detroit, the largest U.S. city whose debt is rated below investment grade, warned investors of the risk of bankruptcy as it prepares to sell $250 million of bonds to help close its budget deficit.
The city told bondholders in a March 2 preliminary offering statement that while it hasn't taken steps to reorganize under Chapter 9, it may have few other options if its financial condition worsens. Detroit officials also detailed the steps they would have to take should bankruptcy become necessary.
"If the city's financial status were to deteriorate further the city's options to improve its fiscal health may be limited," Detroit said in the statement. Bondholders "should not expect that their rights to payment and remedies will not be adversely affected by filing under the bankruptcy code."
"We are still in a financial crisis but insolvency isn't on the horizon or on the agenda at this time," Mayor Dave Bing said in an e-mail from his spokesman, Dan Lijana. The total deficit this year is estimated at $280 million.
Bing Still Pretends - How Long Can It Last?
For reasons unknown, Bing just cannot do what is right. He will not come flat out and say what everyone in their right mind knows - that Detroit is fiscally and morally bankrupt and so are its schools.
Instead, on December 10, 2010 Detroit Borrows $100 Million for Police and Fire Headquarters.
Detroit, whose population has dropped by half since 1950, borrowed $100 million to turn the MGM Grand Casino's former site into a headquarters for the police, fire and emergency-services departments.
The city sold so-called Recovery Zone Bonds authorized under the U.S. economic-stimulus plan, borrowing at 4.55 percent, the city said in a press release today. The bonds, with the longest term maturing in 2035, were sold through the Michigan Finance Authority by investment banks led by Siebert Brandford Shank & Co., according to data compiled by Bloomberg.
"The financial markets believe in what we're doing to bring fiscal responsibility back to Detroit," said Mayor Dave Bing, in a prepared statement today.
So-called recovery zone bonds were included in the economic-stimulus package signed by President Barack Obama last year to help expand the economy of areas with poverty and unemployment. They're a type of Build America Bond that comes with a 45 percent interest subsidy rather than 35 percent rate under the Build America program, which expires Dec. 31.
The bonds were rated A1, or fifth highest, by Moody's Investor's Service and AA-, or fourth highest, by Standard & Poor's.
BABs Set to End December 31, 2010
Note the ridiculous rating of those bonds by Moody's and by Standard & Poor's. If the Federal government is backing those bonds, then they are AAA. If not, they are junk. There is no in-between.
Thankfully, the extremely ridiculous Build-America-Bond program will expire on December 31. When it does, no one in their right mind will lend Detroit money, and that at long-last will mean "lights out" for Detroit.
A new Republican governor takes over in Michigan next year, complete with a new Republican legislature. I believe Governor-Elect Rick Snyder will be amenable to fixing what ails Detroit and numerous other cities in Michigan.
Should Mayor Bing not seek bankruptcy assistance, I propose for Governor Snyder to force Detroit into bankruptcy. It is the only hope Detroit has. Mayor Bing is clearly in over his head.
Governor Snyder would be a hero if he can turn Detroit around, and outside of bankruptcy that appears impossible.
Thus, forced or not, I believe Detroit will file bankruptcy in 2011, the state will accept it, and public unions will be forced to accept massive concessions in bankruptcy court.
Look for massive turmoil in the municipal bond market as a result.
This post was published at Mish's Global Economic Trend Analysis >


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Tiki Juice Bar by Dole
Oct 11, 2011 | Add Your Review
Located in Adventureland Disneyland
Disneyland's Tiki Juice Bar….or just "The Dole Whip Place" as we call it, is one of those special treats in the park that you will wait in a mile long line with a smile on your face because you know it will be worth it! Crazy I know.
The Tiki Juice Bar is located right inside of Adventureland next to the Tiki Room, which is where you can watch a fun musical show that the little ones LOVE. My 6 and 9 year old are a bit over it, but the little ones get a kick out of the singing and dancing birds 🙂
What you'll find is this outside little hut that serves 2 lines. The most obvious line is usually the really long one that trickles down towards the Jungle Cruise. If you walk into the Tiki Room area, you will find a sneaky 2nd line that is generally much shorter…..so go to that line.
You'll find just a few items available, but all fresh and pineapple-y delicious 🙂
Here's my cute husband FINALLY up to the front of the (2nd) line around the back by the Tiki Room. This trip was mid September about 3:15pm. We were in line for about 35 minutes, just to give you an idea.
Up first is the ever so popular Dole Whip Float. Not only do you get the pineapple soft serve on top, but you get pineapple juice on the bottom. A very popular choice. This one does not disappoint.
Here is the Pineapple Dole Whip Soft Serve. You can see they give you a big serving. This soft serve is hard to explain, it's so light and almost airy with a soft pineapple flavor. People wait in line all day to have this baby!
Call me boring, but this is what I order…..the straight up Dole Pineapple Juice. It is so refreshing and ice cold. I am a fan, but my family thought I was crazy, lol.
We made it out of line just in time to watch Mickey's Souondsational Parade. I don't care how old I am, I still LOVE these darn parades! So fun and festive.
The entire parade, I kept telling my husband, ooooo I want that girl's outfit for Halloween!
Then I saw her dress and quickly changed my mind to this one 🙂
Then of course to this beautiful princess one. Lol!
The little girls sitting around us were so cute to watch when the princesses passed by.
I seriously love Belle's dress. Gorgeous.
These guys definitely got into character 🙂
Love it!
The Merry Poppins Chimney Sweepers!
Hope you've enjoyed our review to the Dole Juice Bar and a peek at Mickey's Soundsational Parade.
So, what is your favorite Dole treat and how long have you've waited in line for it? Lol!
Disclosure: We are in no way associated or sponsored by Disneyland. Just a family who enjoys visiting the parks and giving you are honest reviews.
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It all looks fabulous…and I have a serious craving for a Dole Whip Float. That, or a pina colada 🙂
Thanks for the great pics, as usual, Jenny!
MMMM! I love the float the best, and love how they put an umbrella on it at the Disneyland location. There is rarely a long line in WDW's Adventureland, but no umbrella! 🙁
I LOVE when you do these.
I miss Disneyland. You are lucky to be able to go anyday.
Yes, more photos…this is a brilliant idea girl.
Reminds me of when we were in Vermont and they had Maple Creamies (maple soft serve) all over the place, only I never did get around to ordering one! I must try pineapple soft serve- love the idea of that!
You guys are seriously Disneyland-addicted. I hope you never have to move!!
My family goes to Disneyworld not Disneyland, but they have the juice bar there too, by Thunder Mountain. The thing is, they also have an orange Dole whip, which tastes like a creamsicle.
My favorite is the pineapple float, but my cousin gets a pineapple and orange swirly cone that's also to die for.
We never really wait in line, but that's probably because we wait until right before the park closes, and we get it on our way out.
This is seriously one of my favorite treats in Disney World. Last visit I enjoyed it twice, once really late at night with fireworks going off around me. I don't think my family understands my obsession! The pineapple soft serve is my favorite but you now have me considering the float as it is the best of both worlds.
I love your blog and have enjoyed making many of your dessert recipes with a friend. You have some of the best, "plan-your-day-around-making-them" recipes. My friend and I schedule "food tv watching, make a new dessert days" and enjoy the process! I had fun recently in our local Whole Foods – my phone was out and I was on the Picky Palate blog site. I tell the store representative that that I MUST have Biscoff spread. I tell them it is caramel-cinnamon yumminess and I MUST have it to make a special cupcake. Several raised eyebrows later, they inform me that they don't carry it in Texas. I plan to order some online and can't wait to taste it!
Thank you for making me feel like I am on my very on foodie show while I follow your delightful desserts!
The Dole Pineapple Soft Serve is so unbelievably delicious and you are right the line at the Tiki Bar is well worth it. It is refreshing and the perfect little treat!
P.S. – I hope the amazing corn dogs will be on your list soon. I'm not a huge corn dog or hot dog fan but Disneyland changed me! Ha!
MMMMMM Dole Whips are FABULOUS! I've never tried the float, but will have to do so next time. Thanks for sharing! I've yet to see the new parade and it was fun to get a sneak peek!
Oooh! Pass me a Dole Whip stat! That looks amazing!
Love that place!! Just had a float on Monday and waited about 40 mins in line, the 2nd one, for it! I too love Disneyland! Passes were a requirement when my husband asked if I would like to go to SoCal as a duty station for the Army! We go at least once a week!!
Jenny, you are really making me feel the need to get back to D-Land ASAP with these posts! In general I'm not a fan of Disney food, but the Dole station? Yes Please!
I've been to Disneyland so many times and I still have never had a dole whip! It looks so YUMMY!
Thank you so much for the tip about the second line inside the Tiki room. We were there on Saturday, and the line for the Dole Tiki Juice Bar was almost to the Jungle Cruise (I estimate 60+ minute wait). I walked past all of those poor people in the line and went inside the waiting area for the Tiki Room where there was not a single person in line at the back counter!! We sat and enjoyed our whips and floats on the benches of the Tiki Room waiting area. Later that day, when we did go to watch the Tiki Room, at the insistence of my 8 year old who has never seen it, the Cast Member actually encouraged you to eat and drink "especially our Dole Whip Items" while watching the show. Next time we will do that (kill 2 birds with one stone).
Thanks for the tip! Our feet thank you!
Ahh, Magic Dole Whip! I am new to your blog, but when I saw the Disney dining suggestions, I had to see if you mentioned the Magic Dole place!
I'm so, so sad – I'm on a medicine that has ruined the Magic Dole Whip for me…I'll have to try just the pineapple juice like you next time because it put a damper on my whole Disney Day after looking forward to MDW and then…well…not being able to eat more than a bite 🙁
Love that you're doing suggestions…can't believe you didn't mention the Monte Cristo sandwiches at Blue Bayou yet! Those are a Disney specialty!
Love the pineapple whip! You're so right about the line on the Tiki Room side to be generally shorter.


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I think that these two characters you will be drawing next are going to be funny in the new Cartoon Network series, "The Looney Tunes Show". This additional lesson is going to show you "how to draw Mac and Tosh", step by step. Even though they look like chipmunks, they are actually gophers. They own the antique shop and these two best friends are some real chatter boxes. I'm not entirely familiar with Mac and Tosh, but I do believe you will enjoy drawing them to perfection. They are going to be simple to create, and fun to color in. I guess that's about it for this tutorial description on "how to draw Mac and Tosh". When you are done with this task you will have another pair of characters that belongs to the Looney Tunes crew. I have to go for now but I may be back later. Have fun people and don't forget to rate, comment and review this tutorial. Adios amigos!
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The teenage singer has been spotted travelling around California in a luxury Mercedes vehicle with a group of friends this week (beg02Sep13), and a snap has appeared online showing a mystery passenger in the van holding what appears to be a bong out of the window.
The picture, obtained by TMZ.com, shows the person, whose face cannot be seen, tipping water from the pipe.
It is not known whether Bieber was present, but the van is said to have been en route to a music studio in Los Angeles, and the singer later posted an Instagram picture of himself recording. He also updated his Twitter.com followers about his time at the studio.
Bieber's wild antics have made him a regular in the headlines over the last few months. He recently faced a police investigation over allegations his entourage was involved in a nightclub fight in New York, while last week (ends01Sep13) he was allegedly embroiled in an altercation in Toronto, Canada.


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Part of the fascination of genealogy is solving the puzzles of who our ancestors were; what occupations they followed; where they were born, lived, and died; and who their offspring were. If you send a steady stream of emails, letters, queries and requests for information, you'll find new clues and answers arriving every so often, just enough to keep you motivated!
Consider this checklist of correspondence to do, even if you only write one letter or query a week:
COUSINS: Write to every cousin and other relative you know, even if you've not been in touch for years. You never know who has a box of old family letters and pictures tucked away that they'll copy and share. Or who will turn out to share the genealogy bug and so have worked out key parts of the family tree.
PEOPLE WHO POST: People who post family tree and genealogy information at places such as RootsWeb.com or GenForums typically include an email address. If you find a posting with some of your family, write to the person who posted the information to see what else they know. They may have new research not yet online.
One wonderful contact for me has been Ginni Morey, who has a very fine Web site for her own family and for her husband's Morey family. The site shows the family of George Bradley Morey that includes sibilings Eda Dell Morey, my great-grandmother, and Frederick Eugene Morey, Ginni's husband's ancestor. Thanks to email, we've shared some research to the benefit of both.
Recently, I emailed two people who had posted information about the Luehr family. Back came a digital copy of a wonderful photograph of my great-grandfather's oldest brother and his wife from one person while the other sent a five-generation pedigree of our lineage of the Luehr family, starting with my ggg-grandparents in Dithmarschen, Schleswig-Holstein, Germany. Both picture and family history came by email, are family history treasures — and were free!
LOOK-UPs: Find Web sites for the surnames you are researching or for the locations where your ancestors lived. Check to see if any of them list people who do volunteer look-ups in books with histories and biographies, as well as census or local records. Or try the well known genealogy look-up site, Random Acts of Kindness. Submit a look-up request. These volunteers get many requests so the reply may take a long time. Try anyway.
QUERIES: Posting your own queries is another step that should be part of your week-in, week-out correspondence strategy. Genealogy forums and discussion lists for the surnames and locations of interest are good places to post. You may also want to join history and genealogy societies in relevant locations, and submit queries to appear in their newsletters.
SOCIETY ARCHIVES: Speaking of history and genealogy societies, many have files and archives on families in their area. Visit their Web sites for procedures for asking about what they might have on your ancestors. Some allow a simple email request while others have forms to complete and mail with a modest fee.
This steady, methodical approach to genealogy research can protect you from being overwhelmed by thoughts about all the steps you need to take, while ensuring a steady flow of clues and information to help you solve your family puzzles. Try it!
This is one in a series of genealogy and family history research ideas to help you find your family and ancestors for modest or no cost.


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A star basketball player at Halifax Academy, who is facing firearms charges, suited up and scored 14 points Monday night after his attorney wrote the school a letter saying he "will be eligible" to get his arrest records sealed.
A star basketball player at Halifax Academy, who is facing firearms charges, suited up and scored 14 points Monday night after his attorney wrote the school a letter saying he "will be eligible" to get his arrest records sealed and "lawfully say that he has never been arrested."
But Oceann Maddox, a 6-foot-3 forward, won't play in Thursday night's game at Riverbend or any other game after school officials said they got a little more clarification Tuesday from the attorney, Michael Lambert.
Halifax Academy athletic director and basketball coach Shamus Dougherty said the school was initially "under the impression" that Maddox, a 19-year-old senior, had been cleared of the charges. On Tuesday, Dougherty said he learned Maddox is set to go to trial March 18, according to Lambert.
In September 2012, Daytona Beach police said Maddox fired several shots into the air after an altercation at Derbyshire Park. He was charged with discharging a firearm from a vehicle, a felony.
"If all the charges are dropped, we're not going to not give a kid a second chance," Dougherty said Tuesday. "We were under the impression that was the case as of (Monday). Unfortunately, we should have looked more into it."
Lambert's letter to Halifax principal Joseph Dougherty, with Monday's date, said, "Based upon my investigation and depositions that have been taken, Oceann Maddox will be eligible to get his record of this incident sealed, which means, upon sealing, he may lawfully say that he has never been arrested. . ."
Lambert said Tuesday he is confident the charges would be dropped against his client, now that he has deposed witnesses to the shooting.
"Nobody has said that they saw him (Oceann) shooting from the car," Lambert said. "We are going to trial, if the state wants to go."
Lambert said Halifax Academy officials asked him whether they should allow Maddox to play sports for the school. Lambert said he advised the school to let Maddox participate because "everyone is presumed innocent."
The attorney said Maddox does well academically and it would be a shame if a college scout had missed a chance to see his client play basketball.
Maddox led the area in scoring (18.7) and rebounding (13.7) as a junior.
In Monday night's 55-49 loss at Warner Christian, he also added seven rebounds, two assists and three blocked shots in his first action of the season.
In the fall, Maddox was a star football player for the Knights. Three nights after rushing for 116 yards and leading Halifax Academy to its first home victory in school history at Derbyshire Park, police said Maddox was involved in a shootout near the same field.
According to a Daytona Beach police report, Maddox and Stephon Shropshire got into an altercation at the park. The report said Maddox broke away from the argument, walked to a red car, grabbed a gun and fired several shots into the air. According to police, Shropshire also fired shots.
The shooting happened as several children practiced football in the park, police said. Among those playing were children in the 3- to 5-year-old age group, Police Chief Mike Chitwood said.
Daytona Beach Detective Nate Williams, whose children were playing football at the park, estimated that 10 to 15 rounds were fired by the men.
As the shots were being fired, a woman at 840 Derbyshire, who had opened her front door upon hearing the commotion, was grazed in the knee by a bullet, police said. It's unclear which one of the suspects' bullets struck the woman, police said.
Shamus Dougherty, who is the son of Joseph Dougherty, said that Maddox remained in Halifax Academy's after-school program following the incident. He also said that Maddox was never ineligible for athletic competition, but the school held him out as a proactive measure.
"Before anything was out there (about the incident), we were already informed that he could be here at school," Shamus Dougherty said. "We still wanted to help him. We didn't want to throw a kid to the curb."
If the felony charge is dismissed against Maddox, his record could be sealed or expunged, Lambert said.
The State Attorney's Office declined comment on Maddox because his case is pending before the court.


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death records search. [August 2005] Index of death records in Kentucky, 1 January 1911 to 31 December 1992 with name, date of death, age, place, residence, volume, certificate no., and death vol. number. Source:
Jewish Genealogical Society of Louisville c/o Annette & Milton Russman 3304 Furman Blvd Louisville KY 40220 Museum of the Southern Jewish Experience PO Box 16528 Jackson, MS 39236-0528 (601) 362-6357 SYNAGOGUES IN KENTUCKY: [2004]


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