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Plan and Execute a Budget While in School
Money can seem like an abstraction, especially when students use plastic to pay for their purchases, rather than crisp dollars and shiny coins. In no time at all, students may find that they've used up all of their money on personal expenses and unnecessary things, and then they'll have bills crowding their inboxes. Taking charge of your personal finances can seem difficult or even impossible, but creating and sticking to a budget can be a step in the right direction.
What's In This Guide
What is a budget?
The goal of a budget is really quite simple:
To compare the amount of money coming in with the amount going out, allowing consumers to make smarter choices about their finances.
Typically, budgets are considered living documents that change as a person's income level and debt level changes. The amounts that appear on these documents aren't fixed in stone. However, those who do craft a good budget and make it work can reap huge rewards. Unfortunately, only 32 percent of people do so.
Source: Gallup poll, as reported by the Deseret News
think personal finance should be taught in school
Source: TIME
require money management lessons to be incorporated into other classes
require a high school standalone course in personal finance
Thankfully, it's never to late for students to learn. By following a few simple steps, and sticking to them on a regular basis, students can make a budget that works. Here's how to get started.
Step One: Determine Income
The amount of money that comes into a student's account is considered income. Students who work may consider their paychecks their income, but other sources of money might include:
Family allowance payments
Tips earned at work
Each bit of money that comes in should be included in the budget, even if that money is intended for some specific purpose.
Step Two: Determine Expenses
The amount of money a student is obligated to pay makes up the list of expenses. Common fields to track include:
Health Insurance
School Fees
Step Three: Determine Debt
Each and every month, the average student is presented with a bill from some sort of lending agency. Sometimes, those bills come from student loan servicers. Often, however, those bills come from credit card companies, and few students understand what those bills really mean.
Only 15% Know their interest rate
Source: TIME
Put these statistics together, and they seem to suggest that few students know how much debt they owe and its cost, and fewer still include their debt in their monthly accounting processes.
It can be time-consuming, but students should gather up all of their debt-related documents and plug in those numbers, including the amount the student is expected to pay on a monthly basis.
Step Four: Determine Savings
Few students think about putting money away for a rainy day, but unexpected expenses can pop up regularly, such as car repairs, fluctuations in utilities, or medical emergencies.
Putting aside a little in savings can allow students to ride out these expenses without leaning on credit cards, and having an emergency fund set aside for unexpected expenses is always a good idea. Additionally, making a habit of saving money early on can help students prepare for long-term savings and financial goals.
By age 35, people should have 1x their current salary in some kind of retirement account, per Fidelity Investments.
By starting a savings plan now, students can make this goal a little easier to reach.
Step Five: Balance Incoming and Outgoing
With accurate targets of money coming in, and an honest assessment of the money that should be going out, students should be able to determine how much money they really have. But if the numbers don't quite add up and students find that they're spending more than they have, there are some steps they can take to balance the books.
By swapping out a car for public transportation or a nifty bike, students might find that their monthly budgets are a little easier to balance. Having a car can be a big expense. According to College Board, automobiles can gobble up about 17 percent of a student's budget, as these car-related expenses can get very pricey over time:
Loan, Lease or Payments
Oil Changes
Registration Fees
Other small changes can make a big difference, like making your own dinner:
Source: Forbes
Cost of dinner at Chipotle = $10 ($300 per month)
Cost of dinner cooked in slow-cooker = $2 ($60 per month)
Savings per month: $240
Living on a budget
Many people come up with wonderful budget ideas and then find that they can't stick to the resolutions they've made.
Changing spending habits is hard, even if it will result in long-term benefits.
While people who keep budgets may have hundreds of tips and tricks they use to stay on track, these four steps may be very useful to people who are just getting started.
Buy groceries, coffee and other incidentals with cash, rather than using a debit card.
Tally up receipts at the end of each day and compare progress with the goals outlined in the budget.
At the end of a month, revise amounts in areas that seem underfunded.
Use our tools to help you reduce the amount you spend on school like our scholarship finder.
There are also some online tools and services that can help you manage and stick to a budget, such as Mint and BudgetPulse. Apps and services like Mint track your spending habits on a daily basis, and can help you analyze your spending based on categories (ex. groceries, entertainment, transportation, restaurants, etc.).
Word of caution
It isn't easy to create a budget, and it's certainly not easy to live within the boundaries a budget sets. At times, students might feel as though their lives would be better if they stopped worrying about money altogether and simply kept spending now with the hopes of paying it all back later. Unfortunately, that kind of thinking can result in disaster. The 2011 federal student loan 3-year default rate was 13.4 percent according to the U.S. Department of Education.
Students who don't learn how to budget now may borrow too much for school, and when they start their careers, they may not know how to manage their finances in order to repay their loans. Those students who do take control now will be in much better financial shape, both while they're in school and when their school days are over.
More Articles
Top Student Loan Pages


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subset: commoncrawl


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DES MOINES, Iowa — Four college pals, John Lindley, Jeff Shipley, Brad Jahner, and Daniel Krauss, got a chance to whoop, holler and raise the roof Saturday. The four boisterous Iowan guys cheered on their hero, Republican presidential contender Ron Paul, as he addressed a rally in Des Moines.
"I think he's probably the only candidate who can make big enough changes in our government to save us from economic breakdown," said Lindley after hearing Paul.
Lindley is a sophomore at the University of Iowa, studying history and English.
"I was looking at Obama as somebody I was thinking about supporting," Lindley recalled. Then his friend and roommate Krauss told him to look into Paul's views.
"I looked at his policies and they made a lot more sense than anybody else's."
Lindley decided that Paul, who voted against the Iraq war in 2002, had more credibility on ending the war than any of the other presidential contenders, Democratic or Republican.
Convinced that he'll pull troops out of Iraq
"He's obviously going to do something about it if he gets elected — whereas with these other candidates, there's no proof that they will," Lindley said.
He also agrees with Paul's limited government views. "The states should have more power and I think we should have a smaller (federal) government because I think that's what the Constitution originally intended."
"The problem with the big candidates — Hillary, Bush, Obama — is they don't stand on anything. You ask them a direct question, they circle around it," said Jahner, a student at Des Moines Area Community College.Video: Paul on attacking Iran
Like Paul, he sees the end of welfare state as inevitable.
Other political news of note
Animated Boehner: 'There's nothing complex about the Keystone Pipeline!'
House Speaker John Boehner became animated Tuesday over the proposed Keystone Pipeline, castigating the Obama administration for not having approved the project yet.
- Budget deficits shrinking but set to grow after 2015
- Senate readies another volley on unemployment aid
- Obama faces Syria standstill
- Fluke files to run in California
- Animated Boehner: 'There's nothing complex about the Keystone Pipeline!'
"It is hard to say to a crowd that we're going to take away your crutch," said Jahner. "But, the fact of the matter is, it has to happen. In order for the government not to go bankrupt, things have to get cut. What Ron Paul is saying is, 'it's coming, you knew it was coming anyway, prepare yourself.'"
Jacob Bofferding, a student at Iowa State University, said he decided to work for Paul after seeing him on a televised debate.
"For Ron Paul to stand up there and say, 'people hate us because we intervene in their lives' and for (Rudy) Giuliani to say 'that's ridiculous,' that blew my mind," said
'Stop subsidizing oppressive regimes'
"Our imperialistic foreign policy is the biggest threat to this country, not groups of terrorists that have no state sponsor," Bofferding said. "The first thing you have to do is stop subsidizing oppressive regimes in the Middle East."
Bofferding calls himself "an extreme fiscal conservative." He adds, "I don't think that the federal government has much responsibility in the way of our lives."
He hands out flyers at football games and otherwise drums up support for Paul, spending about five hours a week on the campaign.
He had the honor of introducing Paul when he spoke to a crowd of 700 supporters at Iowa State on Friday night.
A small sample of Ron Paul's supporters in Iowa in recent days found them to be a mix of young and old, mostly male, but some women.
They include traditional Christian social conservatives and homeschoolers, and fresh-faced fervent college students such as Bofferding, who embrace his free market ideas and an anti-interventionist foreign policy.
Veronica Czastkiewicz, a student at Cornell College in Iowa, showed up at Paul's Ames speech Friday night.
"I'm a constitutionalist like Ron Paul; his back-to-the-basics approach is very refreshing and inspiring," she said. "So many politicians have gone off track."
She wasn't old enough to vote in 2004, but supported Democrat John Kerry. "I was very socially liberal when I was younger," she said.
Old enough to be the father of such students is Paul's Iowa campaign chairman, Drew Ivers, a retired plant geneticist who worked on the Ronald Reagan campaign in 1980, the Pat Robertson campaign in 1988, and the Pat Buchanan efforts in 1996 and 2000.
Ivers praised Paul's belief in "limited government, anti-establishment, biblically based values."
For Ivers the enemies are "global socialism, the New World Order, empire building… The neo-cons, the elitists who are promoting global socialism" and who say, "We're smarter and wiser than the masses."
He added, "This is not a conspiracy: the Bilderbergers meet, the G-8 meets" to plan an agenda of globalism. (The Bilberbergers is a secretive informal group of U.S. and European government officials and business executives who meet annually.)
Favorite target: the 'neo-cons'
"Neo-cons" is an epithet that the Paul people use with scorn.
Flying in from Florida to make the case for Paul was his ally, Dr. Chuck Baldwin, pastor of the Crossroad Baptist Church in Pensacola.
Baldwin told Paul's conclave of pastors Saturday that Christian conservatives had been "duped" and "co-opted" by the "neo-cons."
Paul "opposed the unprovoked and pre-emptive invasion of Iraq, and rightly so. Time has certainly vindicated Dr. Paul's principled position," Baldwin said.
He added, "Before G.W. Bush changed the landscape, conservatives — especially Christian conservatives — mostly subscribed to Augustine's just war theory, regarding accepted protocols for the conduct of war. Today many of my Christian friends have foolishly followed Bush's pre-emptive war theory which before now was practiced mostly by pagan emperors."
For some, stance on Israel is stumbling block
But some pastors are struggling with Paul's position that Israel would be better off if it pursued a policy independent of U.S. aid and U.S. restraint.
Pastor Jim Hartman, who heads an Assemblies of God church in Conrad, Iowa, told Paul, "It seems like what drives the Christian right is the idea that we need to defend Israel."
"I don't think we do Israel any favors and we actually weaken them" by generous U.S. aid, Paul replied. "It's like spoiling your child."
But he added that individuals could still support Israel. "I don't feel that I am unfriendly or would hurt Israel," Paul told Hartman.
Afterward, quizzed about his views on Paul, Hartman said, "I've been supporting Mike Huckabee, but I would say I'm leaning real strong toward Ron Paul…. I wish a lot of my pastor friends were here."
Hartman supported Bush four years ago and explained, "Up until the last six months I had not allowed myself to imagine that we'd been let down by Bush." As for Iraq, "I don't think we were prepared to understand that culture and to work with that culture."
He said he now feels "humble and I feel kind of bad that I haven't done a better job of being faithful to Ron Paul's kind of integrity."
© 2013 msnbc.com Reprints


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First Sight. Well HELLOOOOOOOOOOOO there. You make me feel funny.
Since then...well...you all know how I happily went down the rabbit hole, gleefully clapping my hands and taking as many people along with me as possible. These days - honestly? I don't give it all much thought. Don't get me wrong: it was a super-special, remarkably amazing time in my life and I am always thankful for everything that came out if it. THAT I think of often. I regret [almost] nothing. And I'm going to come right out and say (as if you all didn't already know...) that there's been a lot - a LOT - of blatant, shameless objectification over the years. We've written countless words about this man's hands, his fingers, his eyes, his mouth, his abs (or lack thereof - we didn't even care that they were mostly only there through the grace of a makeup artist), and his general hotness. But perhaps more than anything, we fixated on his hair. That HAIR!
OK, maybe not more than his smexy-times stare, but that mane of hair was a BIG part of the package.
We liked it in Twilight...
...and when he was promoting Twilight...
Rome Rob was nearly the death of me!
Yeah, I know he was under some contractual obligation or something to not cut it all off at this point and I DON'T CARE! Viva la lawyers and whoever else made this possible!
And when he finally did THIS -
...somehow we survived. Because let's face it: while I would have happily glued every strand back on - individually! - if given the chance, he was still blazingly hot and there's plenty of room in fanfic for stubble.
Long, short, in between - it. didn't. matter.
Kinda short? Woo hoo!
Long enough to make me want to tug it? Yes please!
Running his hands through it constantly? ;jbvuhsgs;esr;jbhfd...
We even kept a stiff upper lip and dealt with hats and beanies and various hoods and headgear.
...although I did pout when he showed up at the Times Talk we attended covering up that mane.
In short (well, not so short, but admit it - you liked looking at all those photos), the man has always had good hair.
Well this is odd but ooookaaaay...
Wait--what the...?!
what. the. actual. fuck. Did he lose a bet??? WHY is he lady-scaping the back of his head?! Is his hairstylist secretly VERY HARDCORE Team Jacob and still incredibly bitter? Did his girlfriend issue some sort of "I will if you will" ultimatum and this was his clever way of complying? Does he not know that whoever gave him this bowl cut (and I assume they have since went into hiding) left a patch? As if the "bowl & buzz" wasn't enough?. Whatever - I DON'T LIKE IT. I would prefer that fucked up thing he had on his head at ComicCon that one year, even if it had nothing to do with a movie role.
Even this is better. THIS.I think something in me died a little when I saw these pics, or maybe was finally brought back down to Earth. I don't know why it irked me so much; I acknowledge that it's strange that I would give a crap or have an opinion in the first place. OK, actually, I kinda DO know why it made me rant: I am not bothered that he cut his hair; I am bothered that he is someone who would cut his hair like THAT. I'm bothered because I don't think I would like someone who thought this haircut was a good idea. There. I said it. So congratulations, Robert Pattinson, on FINALLY coming up with a way to get at least one of the middle-aged weirdos who was inexplicably spellbound by you to throw up her hands in bewilderment.
*ahem* I will, of course, allow myself some fond reminiscing...
So what do YOU think??? Lay it on me in the comments, people.


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What do rubber, titanium, portholes and blockbuster movies have in common? All are elements of the exciting 2016 relaunch of the Khaki Navy Frogman watch. This on-trend revival line is a tribute to a piece of real and onscreen diving history: the iconic submersible watch created for the US naval "frogmen" teams and featured in the 1951 smash-hit movie The Frogmen and the brand's very first on-screen appearance.
This first foray into the movie industry, in which the company has become a leader, has its roots in its military reputation that dates back to World War I and II when Hamilton, founded in 1892, equipped the American military.
Fast forward to 2016 and the sportier, more rugged Khaki Navy Frogman collection with a technical, aggressive edge, matching style with function in an appealing choice of variations. Fronted by world-renowned free diver Pierre Frolla, each model is equipped with a stunning crown-protection device, inspired by its 1951 ancestor with its inimitable military canteen design.
Meeting high demands
In keeping with its double billing as a super-sporty watch and stylish accessory, the 2016 standout 46 mm titanium model is clearly built to meet the high demands of its underwater vocation. Large surfaces ensure easy readability and high-tech specs include an edgy, red unidirectional rotating bezel. The latter frames a black dial with luminescent triple-facetted hands. The red-trimmed tip of the seconds hand highlights its role as an operating indicator and a vital feature of diver's model.
Other key features one expects from a first-rate diver's watch are all there: a tough and sturdy titanium case, water-resistance to 1'000 meters/100 bar and a helium valve to equal out internal and external pressures in saturation diving conditions. The rubber strap features an unexpected tone-on-tone central section and ribbed exterior that creates pleasing texture and color contrasts. The solid case-back bearing a scuba diver motif is a nod to this model's maritime mission. And last but not least, the H-10 caliber with its 80-hour power reserve proves just as useful on land as below the sea.
In addition, the collection comprises 42 mm stainless steel versions that may also be fitted with a triple-row bracelet secured by a smart adjustment folding clasp, featuring a convenient and stylish diving extension. These models are available in two colors with a blue or black bezel (as well as matching dial and strap) to suit individual tastes.
In an eye-catching salute to a proud tradition of diving heroes, the 2016 Khaki Navy Frogman watch comes with a dedicated packaging inspired by a typical navy porthole.
Frolla, the perfect face for the Khaki Navy Frogman
Like Jacques Mayol, the hero of Luc Besson's film The Big Blue in 1988, Monaco-based super diver Pierre Frolla caught the diving virus as a child. Growing up with fins on his feet and the Mediterranean Sea as his playground and field of exploration, Pierre was in the process of becoming a physical education teacher in Nice when he met Claude Chapuis (world record holder in static apnea in 1990 and member of the French Apnea team).
Chapuis took Frolla under his wing to share the adventure and by 1999, Pierre Frolla held the world record for freediving. Freediving is one of the three disciplines of competitive freediving and apnea and requires descending with nothing but the sole strength of the arms, without fins and mask. In 2004, Frolla achieved his fourth world record in the Variable Weight category, in which weighed down by a lead sled, the ascent to the surface requires the sole strength of the limbs. Frolla reached 123 meters, an uncanny depth the pressure of which (13 kg per cm2) can only be withstood by a fully trained body with incredible self-control.


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Dan Patrick may be jumping into the U.S. Senate race.
Shortly after engaging in a very public tiff with Lt. Gov. David Dewhurst, the presumed (albeit unannounced) front-runner in the race, the Houston state senator and conservative talk-show host told Laura Ingraham on her radio show this morning that he is creating an exploratory committee to determine if he should run.
Earlier this week, Patrick accused Dewhurst of essentially killing his so-called "anti-groping" bill that would have made it a crime for security screeners to touch anyone's private areas during safety screenings. Federal officials told Dewhurst and other state officials that the Texas bill conflicts with federal law and that the federal government would ask the courts to prevent the measures from being enforced if they became law.
"Someone who will not stand up to the federal government, you have to ask yourself, is that the kind of person we need in the U.S. Senate?" Patrick said as he stalked off the Senate floor.
When asked about a possible Senate run by Texas Monthly's Nate Blakeslee, Patrick refused to discount the possibility of a run. Here's how Blankesleee described the scene and Patrick's answer:
I asked Patrick this afternoon if he was going to throw his hat in the ring. After a long pause, Patrick said, "No comment, for now."
Although it's widely assumed Dewhurst will run for the U.S. Senate — polls show him as the best-known among candidates and potential candidates — he has not yet announced. Patrick's high name ID, given his radio following, could make him a formidable candidate for the Republican nomination.
"By every definition, his candidacy will be formidable if he decides to get in," said Austin-based political consultant Bill Miller. "He's got money — not Dewhurst money, but enough — and he's shown in previous elections that he can be the underdog and win. He'll be a very, very tough customer."
A Texas Tribune poll released earlier this week showed Dewhurst leads a widely fractured field of possible and announced contestants for to replace Senator Kay Bailey Hutchison, but only managed to attract 25% support in the poll.
UPDATE: Patrick told Houston Chronicle reporter Patricia Kilday Hart this morning that he decided last weekend to form an exploratory committee for a run for the U.S. Senate because "we need a conservative who will not cower to Democrats and moderate Republicans" and that his record in the Texas Senate demonstrates his ability to do just that.
"I am the only one with nearly 12,000 votes cast that establishes I really do what I say," he said. "I have never yielded on principle."
Patrick said the controversy this week over the airport security legislation had nothing to do with his decision. "I scheduled the interview on Monday," he said. "I had no idea the lieutenant governor was going to get involved and it was going to be controversial. I had 30 votes."
Patrick has blamed Lt. Gov. David Dewhurst for failure of a bill prohibiting intrusive airport security patdowns. Dewhurst denies he lobbied against the bill, and says Patrick simply didn't have the votes to pass the bill, which failed Wednesday night.


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text: Biography Dr James Farrell is an internationally recognized expert in pancreatic disease treatment and research. In addition to his clinical work on the endoscopic evaluation of autoimmune pancreatitis and pancreatic cysts, and endoscopic ultrasound delivery of gene therapy for pancreatic cancer, he is also known for his development of personalized therapy approaches for pancreatic cancer and early detection biomarkers for pancreatic cancer. Dr Farrell received his medical degree from University College Dublin. He completed internal medicine training at the Johns Hopkins Hospital and Johns Hopkins University, in Baltimore and a Gastroenterology Fellowship at the Massachusetts General Hospital and Harvard Medical School in Boston. He subsequently pursued additional advanced therapeutic endoscopic fellowship training at the Massachusetts General Hospital and the Brigham and Women's Hospital in Boston. After fellowship, he was recruited to UCLA Medical Center in Los Angeles where he developed the largest endoscopic ultrasound program in California and became a founding member of the UCLA Center for Pancreatic Diseases. In 2013 he was recruited to lead the Yale Center for Pancreatic Diseases at Yale School of Medicine and the Yale New Haven Hospital, while also joining the existing Yale Interventional Endoscopy Program. Dr Farrell is board certified in Internal Medicine, Gastroenterology and Clinical Pharmacology. He is the author of numerous publications, is invited to speak nationally and internationally, and maintains a vigorous clinical practice focused on all aspects of interventional endoscopy, gastrointestinal cancer, and pancreatic diseases. He currently serves on the medical advisory board for PANCAN, the Pancreas Cancer Action Network, as well as the NIH/NCI Pancreas Cancer Task Force. Gender Male Language(s) English Affiliated With Smilow Cancer Hospital, Yale Medicine Locations New Haven, CT Smilow Cancer Hospital 35 Park Street New Haven, CT 06519 Get Directions Monday9:00 AM - 5:00 PMTuesday9:00 AM - 5:00 PMWednesday9:00 AM - 5:00 PMThursday9:00 AM - 5:00 PMFriday9:00 AM - 5:00 PM Phone (203) 200-5083 Fax (203) 200-2235


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I ordered a set of KYB struts to go with my progress springs and rear hub spacers! Pictures of finished product in a month or two! I cannot wait to put them on, but I must until at least spring break (3 weeks probably).
I have thoroughly enjoyed having the rear sway bar (16mm). This oughta be a whole new level of fun!
A typical 5 speed DOHC, with decent interior exterior, but with a friendly rod knock when my dad got it for me for HS graduation. This would be a major step up from the '94 dodge intrepid, which departed with 262k miles. Anyhow, I have small plans for this car. With the motor rebuilt by me (and my dad's guidance), it should have a decent life. So far it doesn't burn any oil. I don't push
Updated 01-24-2011 at 11:18 PM by leighv


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Class of '62 Saluted at Big Bashby Jim Amidon • June 2, 2012 Share:
The Class of 1962 took center stage at Friday's Big Bash Banquet at Wabash College. Not only was each man introduced and presented with his 50th reunion medallion, the class stood proudly when it presented College President Patrick White with a check for $2.7 million.
The oversize check presentation culminated a five-year 50th reunion gift campaign, which was chaired by David Downen.
The large turnout by the Class of 1962 was owed to the dedicated efforts of Class Agents Thom Feit and Terry Fewell. Approximately 50 members of the class returned to celebrate 50 years since their graduation.
Friday's Big Bash Banquet featured alumni from as far back as the Class of 1943 (Paul Honan), a large contingent from the 60th reunion Class of 1952 (12 alums), and the 50th reunion class, all the way up to a record-setting number of men from the Class of 2007 back to celebrate their five-year reunion.
President White accepted the stunning $2.7 million gift from the Class of 1962, saying, "This shows us that you can rise to any challenge."
The goal for the 50th reunion gift was $1 million. "When you go this far over goal, it's worth another round of applause," the President urged, saying, "thank you, thank you, thank you."
The President welcomed all alumni back to campus — those from near and far.
"I welcome you not to a new Wabash, but to your Wabash… the best of Wabash endures in each and every one of you… And in coming to know one another anew, you will find Wabash anew, and find Wabash worthy of your support and loyalty.
"Wabash is still transforming the lives of young men, just as it transformed your lives."
Saturday activities at Big Bash include always-popular Alumni Chapel Sing competition, during which each class sings Old Wabash on the steps of the Pioneer Chapel. The event concludes when all reunion alumni gather on the steps and sing the College fight song together.
Scarlet Yarns, Wabash's video history project, also continues throughout the day on Saturday, as do alumni-led colloquia sessions.
Class photographs will be taken at 1:30 p.m., and there are receptions throughout the afternoon sponsored by 'shOUT and the departments of psychology and physics.
On Saturday evening, each class will gather on its own for a reception and banquet.
The weekend concludes with Sunday's Awards Brunch.
More News
- Winter '21 'Puts a Nice Twist' on a Career
- Class of 2023 Begins Wabash Journey
- Alumni Push Wabash into Top 10 of Forbes Rankings
- WATCH: A Wabash Passport
Photo Galleries
Alumni Chapel Sing, No. 1


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For safe entry and exit from your pool or spa, our pool lifts for mobility-impaired individuals are indispensable. These lifts are an excellent aid for both casual and athletic swimmers, as well as participants in hydrotherapy or water exercise rehabilitation programs! To find out more about our selection of pool lifts, contact our lift experts now at 1 (855) 638-7553!


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Windows - CD/DVD Tools
Cyberlink Powerdvd 8 Full Version+Cracked+Keygens
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What's New in CyberLink PowerDVD 8
- New! - Dolby Digital Plus*
- New! - Dolby TrueHD*
- New! - DTS-HD*
- DTS Neo:6 (Discrete, Matrix)*
- AAC 5.1 Channel support**
- Dolby Digital 5.1
- Dolby Digital EX**
- Dolby Pro Logic IIx**
- Dolby Headphone**
- Dolby Virtual Speaker**
- TrueTheater? - Surround (Multi-channel Environment Impression Mode)
- TrueTheater? - Surround (Virtual Speaker Mode)
- TrueTheater? - Surround (Headphone Mode)
- MLP lossless**
- SRS TruSurroundXT**
- Pitch scaling technology
- Audio equalizer presets
- Audio visualizations
- Direct 96/24 output
- New! - SMPTE VC-1 High-Definition Video*
- MPEG4 AVC (H.264) High-Definition Video**
- TrueTheater? - Lighting (Adaptive lighting for video quality enhancement)
- TrueTheater? - Stretch (Non-linear stretch technology)
- Video smart de-interlacing
Playback Formats:
- New! - BD-ROM (Blu-ray Disc) playback*
- New! - BD-RE (Blu-ray Disc) playback*
- VCPS for DVD+VR with content protection
- CPRM for DVD-VR with content protection**
- DVD-Audio**
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- DVD files (DVD-Video, DVD-VR, DVD+VR) from any folder in your hard drive
Advanced Features:
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- Say-It-Again - Automatically repeats the last movie scene
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* - Available in Ultra Edition (Blu-ray Disc) only
** - Available in Deluxe version and Ultra Edition (Blu-ray Disc)
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EP447: Rachel in Love
Rachel in Love
by Pat Murphy
[EDITOR: We don't have the rights to post the text of this story.]
[EDITOR: We don't have the rights to post the text of this story.]
Read by Kathy Sherwood
About the Author…
A firm believer in the "apply butt to chair, then fingers to keyboard" philosophy, Ferrett Steinmetz writes for at least an hour every day – which helps, he promises. He is a graduate of both the Clarion Writers' Workshop and Viable Paradise, and has been nominated for the Nebula Award, for which he remains stoked.
Ferrett has a moderately popular blog, The Watchtower of Destruction, wherein he talks about bad puns, relationships, politics, videogames, and more bad puns. He is the creator of the most popular and comprehensive online purity quizzes (this one's for sex, but he's also done them for roleplaying and Livejournal). He's written four computer books, including the still-popular-after-two-years Wicked Cool PHP.
He lives in Cleveland with his wife, who he couldn't imagine living without.
About the Narrator…Kathy Sherwood resides in a (probably only figuratively) magical forest in North Central Florida, with her significant other, two dogs and two cats. She also hosts alternative rock show Not Quite Random on 88.5 WFCF–Flagler College Radio.
Dead Merchandise
by Ferrett Steinmetz
The ad-faeries danced around Sheryl, flickering cartoon holograms with fluoride-white smiles. They told her the gasoline that sloshed in the red plastic canister she held was high-octane, perfect for any vehicle, did she want to go for a drive?
She did not. That gasoline was for burning. Sheryl patted her pockets to make sure the matches were still there and kept moving forward, blinking away the videostreams. Her legs ached.
She squinted past a flurry of hair-coloring ads ("Sheryl, wash your gray away today!"), scanning the neon roads to find the breast-shaped marble dome of River Edge's central collation unit. River's Edge had been a sleepy Midwestern town when she was a girl, a place just big enough for a diner and a department store. Now River's Edge had been given a mall-over like every other town — every wall lit up with billboards, colorful buildings topped with projectors to burn logos into the clouds. She was grateful for the dark patches that marked where garish shop-fronts had been bombed into ash-streaked metal tangles.
The smoke gave her hope. Others were trying to bring it all down — and if they were succeeding, maybe no one was left to stop her.
Rotting bodies leered out at her through car windows, where computer-guided cars had smashed headlong into the collapsed shopfronts that had fallen into the road. Had the drivers been fleeing, or trying to destroy the collation unit? She had no idea.
The ad-faeries sang customized praises to each auto as she glanced at the cars, devising customized ditties about the '59 Breezster's speed. Sheryl needed speed; at her arthritic pace, walking through the women's district might tempt her into submission.
Given that the ad-faeries suggested it, driving was a terrible idea. River's Edge had been so gutted by bombings that she'd have to drive manually — and it was already hard to see through the foggy blur of chirping ad-faeries, each triangulating her cornea's focal point to obscure her vision for the legal limit of .8 seconds. They elbowed each other aside, proffering chewy pomegranate cookies, diamond-edged razors, laser-guided wall-bots that would paint her house a new color every day.
She had no use for them. She'd burned her house down, leaving Rudy's body underneath the pile of engraved stones with her sons' names on them.
She had to pass through the two main shopping districts to destroy the collation center at River's Edge — and if she did that, then she could free Oakmoor, then Daleton, and then who knows where? But they'd kill her if she weakened. (Continue Reading…)


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Bayern Munich insists Toni Kroos staying in Germany
Toni Kroos' future lies with Bayern Munich, according to manager Pep Guardiola and club chairman Karl-Heinz Rummenigge.
The 24-year-old midfielder, whose contract expires at the end of next season, has been heavily linked with a move to Manchester United in the summer.
But Kroos, who will be a crucial member of the defending champions' midfield against United in their Champions League quarter-final tie in the absence of the injured Thiago Alcantara, is set to stay at the Allianz Arena.
"Toni Kroos is sure to play in a Bayern Munich shirt next year as well," Rummenigge told reporters before flying to Manchester on Monday morning.
Guardiola echoed those words, albeit without offering any assurances that the Germany international would stay beyond next season.
"Toni has one year more of a contract and Toni will remain," Guardiola said.
"I hope he can extend his contract and stay with us because he is a very good guy, he loves his game, it is not just a job for him and I would like him to stay.
"I spoke with the player, with the club, I gave my opinion. After that I am not manager, I am just the trainer."


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March 2001
Amazon deforested area, in the State of Pará, Brazil. Photographer: Leonardo F. Freitas, Creative Commons
All signs indicate that we do not have enough forests on the globe to fulfill all the current and future demands (in a broad sense) on global forests. There may not be a physical shortage of forests, but the different kinds of demands will be difficult to meet simultaneously. A review of the scientific literature indicates that the following points must be highlighted:
Current forest resources
Shortage of industrial roundwood: Studies show that there will probably be a rather substantial regional shortages of industrial roundwood already by 2010 and a global shortage of industrial coniferous roundwood by 2010.10,18,21
Dramatic shortage of fuelwood and charcoal: Currently, all signs indicate that there will be a crucial shortage of accessible fuelwood and charcoal. This shortage will limit socioeconomic development in the developing world. However, there are great uncertainties in current estimates on demand for and supply of fuelwood and charcoal. There is an urgent need to start global analyses of the fuelwood situation based on a bottom-up approach.
Continued increases of deforestation and degeneration in the tropics: All signs show a dramatic increased loss of forest resources and degeneration in the tropics. It can only be concluded that countermeasures taken against deforestation have been insufficient. There are also many uncertainties connected with the rate of future degradation and degeneration of the forests.3,8,9,24,25,33
Human activity impacts
Rapid development of industrial plantations: In 1995 the industrial plantation area was estimated to be 103 million ha and the non-industrial plantation area to be 20 million ha. Over 50% of the plantations are assessed to be less than 15 years and 25% are less than five years.7,34 The establishment of new plantations is assumed to increase between 160 and 235 million ha in year 2050.7 Around 2030 the industrial wood supply from plantations is estimated to be 45% of the total consumption of industrial wood compared to 22% in 1997. Thus, the above-identified regional and global shortages of wood supply would be much worse without the establishment of plantations.4,18
Increased usage of recovered paper and non-wood fibers: The usage of recovered paper and non-wood fibers will continue to increase. But this increased usage will probably not improve the regional and global shortages of fibers identified in the foreseeable future.
Dramatic land-use changes will continue: Dramatic land-use changes will continue to seriously affect forest resources. These changes will influence deforestation rates, fiber supplies, fuelwood supplies, and supplies of non-wood products and functions.3
Non-wood demands will continue to grow: "New" demands, such as lifecycle approaches, biodiversity, environmental protection, water, hunting, ecotourism, and recreation, will continue to grow. A serious problem with these demands is that few attempts have been made to analyze their impacts on other forest functions and socioeconomic developments. Studies on these aspects are urgently needed.6
The degradation of land will continue: There are some 1.2 billion hectares of moderately to extremely degraded land on the globe. The continuation of this degeneration process is due to several different factors. Restoration of degraded lands requires that efforts focus on huge areas of tree-cover plantations and closed forests. Efforts made so far are insufficient.
Managing and collecting data
Uncertainties in the roundwood supply estimates: Only rough estimates exist on what the global exploitable forest can and will produce in the form of roundwood in the future. The estimates for major supply regions vary as much as 100% according to reliable analysts. The rate of increment in the main regions is still uncertain. There are substantial problems with the reliability of the growth data, not only in the developing world but also in the developed world.1,32
Two regions hold the keys to the industrial roundwood balance: Plantations in the Southern Hemisphere are crucial to balancing the global supply of non-coniferous fibers. Many questions remain on the outlook for plantations in the Southern Hemisphere. Russia holds the key to balancing the global supply of coniferous forests. But two questions remain unanswered: Can and will Russia develop its enormous inventory of coniferous forests?22
Forestry's role in the climate change process is uncertain: The prospects for improving the carbon balance through plantations, improved silviculture, and replacement of fossil fuels by wood are rather bright. Much research is going into this field, but limited actions based on future climate concerns have been implemented. A new mechanism is required if forests are to play a crucial role in balancing future climate changes.
Increased forest production will improve the global environment: Based on the reviews in this paper, it can be concluded that the largest global environmental problem connected to forestry is probably the limitations of forest production. Similar conclusions have been made by some environmentalists.16 It is also probable that, for global forests to play a crucial role in the lifecycle, society will require increased forest production.
Lack of data, knowledge, and consistent overview: There is a serious lack of data, knowledge and consistent overviews of the items on the global forestry agenda.32 Analyses and understanding on how the different items on the agenda interact at large-scale levels are also lacking.
- The World Bank states "immediate action is needed to make forest monitoring reliable and more than a once-a-decade event."35
- The Food and Agriculture Organization of the United Nations (FAO) points out that there is an urgent need to conduct "studies on a global basis concerning areas under the risk of biodiversity losses."17
Given that efforts are underway to set internal forestry policy, it is rather astonishing that so much data and knowledge are still missing. International organizations such as the FAO and the World Bank and aid organizations such as the United States Agency for International Development (USAID), the Canadian International Development Agency (CIDA), the Swedish International Development Agency (SIDA), and Finnida (a Finnish aid organization) have pumped billions of dollars into forestry activities over the decades, and yet we cannot answer some of the most basic questions concerning global forest resources and their functions.
There is obviously a need for a new approach in international forestry.
Is current international policy adequate?
- Forestry policy, to a large extent, is now set at the international level. In many cases it is carried out through international political negotiations and it often follows the Precautionary Principle.20,23
- International Non-Governmental Organizations (NGOs) are playing a major role; they are attempting to achieve a New Global Governance Agenda that increases the power of new international bodies and decreases national power.14,28 As a result of these new trends, actions taken are often based on incomplete information, and the consequences they may have on national and global forest resources, forest functions, and socioeconomic developments are seldom analyzed in advance.27
Environmental issues in forestry have also become a springboard to broader social and political concerns often rarely considered in any other sector.28 This may be a positive development if we take into account certain events.
- In 1978 the World Forestry Congress stated that "forests are for the people."
- The World Bank concluded that one of the purposes of the Earth Summit in Rio was to give people the right to different environmental functions of the earth. Some have defined sustainable forestry to mean "all things to all people."30,31
- Cousteau says the goal of civilization is to ensure to all a certain "quality of life," adjoined by a fundamental "joy of living."13
But there is an inconsistency in the international environmental organizations' attempts at policy setting. Even if they speak about broader social and political concerns in connection with environmental forestry issues, their actions are mainly based on pure environmental values. There are also inconsistencies in the policy setting by governments concerning natural resources. There are concessions to the environmental values, but the policies are driven mainly by traditional macroeconomic criteria (mainly gross domestic product — GDP), which only measure the produced assets and do not consider human resources and natural capital. Recently, the global society has started to question the traditional GDP criterion. "If GDP is up, why is America down?"11 "The issue is whether we have indicators that are relevant to people's needs."26 Similar concerns have been expressed in The Economist 15 and by Becker5.
Recently, the World Bank made a major breakthrough by merging the different values in society.29
- The Bank has incorporated human resources and natural capital criteria in its evaluation of wealth and has arrived at tentative results.
- From the 192 countries studied, the World Bank has concluded that produced assets (manufactured capital) represent only 16-20% of the wealth. Manufactured capital has, to a large extent, directed policy setting on natural resources.
In order for different international organizations to make a solid contribution to forestry policy-setting and to the future of society there is a need for critical thinking on which roles the international organizations should play in this process and how they should contribute to the policy-setting.19
Thus, the environment is only part of the problem. The other parts are jobs, the quality of life, and so on and they are all connected at the same points: the governance of the resources.2,12
The challenge
How much forest do we need? What types of forests do we need? Where should they be located? These are questions that need to be addressed objectively, taking into account human resources, produced assets, and natural capital. Only then can we establish solid policies for forests and for society.
Who or which organization will take on this challenge?
© February 1996, International Union of Forest Research Organization (IUFRO), excerpts from "IUFRO Occasional Paper No. 5." © 2001, American Institute of Biological Sciences, excerpts updated by the author for this web site. See reprint policy.


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BATON ROUGE — Mike Voisin of Houma, one of the better-known policy advocates for Louisiana seafood, suffered a "massive heart condition" last Friday and remains hospitalized in "guarded condition."
BATON ROUGE — Mike Voisin of Houma, one of the better-known policy advocates for Louisiana seafood, suffered a "massive heart condition" last Friday and remains hospitalized in "guarded condition."
According to information released by the Louisiana Seafood Promotion and Marketing Board, his family reported Voisin "started to respond with small movements" earlier this week.
Managers of Motivatit Seafood, which Voisin owns, could not be reached for comment Wednesday.
Typically this time of year would find Voisin in Washington, D.C., for the Mystick Krewe of Louisianians' annual Mardi Gras event.
He is key in hosting the "Let the World be Your Oyster" event every year, which introduces Washington's power brokers to fresh Louisiana seafood and critical policy issues from back home.
"He's definitely going to be missed this year," said Tyron Picard of the Lafayette-based Picard Group and a junior lieutenant in the Mystick Krewe. "He's such a great ambassador for our state."
The last few months have seen Voisin elected as vice chairman of the Louisiana Wildlife and Fisheries Commission and awarded an honorary doctor of commerce degree from Nicholls State University.
He is the former chairman of the National Fisheries Institute and the Louisiana Oyster Task force.
Voisin is also the founder of the Louisiana Seafood Promotion and Marketing Board, whose officers issued a statement saying he had been admitted to intensive care at Terrebonne General Hospital.
"This is a terrible tragedy on so many levels," said Ewell Smith, the board's executive director. "Our thoughts and prayers for a speedy recovery go out to Mike and his family."
On Capitol Hill, the Louisiana congressional delegation has shown support for Voisin by attaching a yellow ribbon representing his Gold Band Oysters to the Louisiana Seafood tins displayed in their offices.
Jeremy Alford can be reached at firstname.lastname@example.com.


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A set of polished silver and gold tea cups and saucers, and accompanying silver serving plate, that will serve on its own.
A culture believes that souls are recycled. One child gets half of a soul, another child gets the other half. However, this means that with each passing generation, the amount of soul in the child will become less and less (Through division)until their culture will die in the future because of their soulless offspring.


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One of the great joys of being a fashion critic is the ability to observe how designers all over the world riff on and reinterpret the L.A. look.
Watching the spring runway collections, whether I was sitting at a runway show in the crumbling Beekman Palace in New York City or at a 13th century convent in Paris, I was dreaming of California.
It wasn't just homesickness, though after weeks on the road, that could have been part of it. I was thinking about how the clothes would play here, how they might have been influenced by the vision of casual luxe that California has exported to the world, and how they might have been inspired by the landscape, art, architecture and attitude of this incredible place.
Some of the references were overt.
Michael Kors name-checked modernist California architects Richard Neutra and John Lautner in the show notes for his collection, a graphic take on 1960s-inspired glamour with shades of sunshine yellow, palm green and poppy red, and bold checks and stripes. The crystal-blue cloud and swimming pool prints on satin trousers, shorts and dresses brought to mind the postcard vistas framed by the indoor-outdoor homes nestled in the desert and the hills.
Meanwhile, Marc Jacobs seemed to pay homage to modernist California designer Rudi Gernreich, a visionary of the '60s Youthquake who was famous for bringing a graphic sensibility to fashion with patterns and cutouts. Jacobs started with a simple striped T-shirt (Factory girl Edie Sedgwick's wardrobe staple, and an L.A. staple if there ever was one). That first look morphed into an op art extravaganza of stripes and grids on everything from overcoats to jumpsuits. There were hints of Gernreich in Alexander Wang's collection as well; surgically precise graphic cutouts on mini-dresses recalled a similar effect Gernreich achieved using clear vinyl inserts.
Other collections nodded to SoCal style tribes and subcultures.
In his first ready-to-wear collection for Saint Laurent shown in Paris, L.A.-based Hedi Slimane summoned a rock 'n' roll, ladies-of-the-canyon vibe. Billowy maxi-dresses, feather-trimmed capes and wide-brimmed hats recalled Stevie Nicks in the '60s and '70s, while staying true to the fashion house's design vocabulary from that time. Tom Ford's slinky chain-mail gowns and kinky bondage boots brought to mind '50s and '60s vixens such as Tura Satana and Bettie Page. And Isabel Marant, whom we profile in this issue, showed rhinestone-studded jeans and sandals that could have come straight out of the North Hollywood atelier of legendary rodeo tailor to the stars Nudie Cohn, who outfitted Elvis Presley, Roy Rogers, Gram Parsons and many others.
London designer Holly Fulton tapped SoCal surf and skate culture, citing Patti McGee, the first women's national skateboard champion in Santa Monica in 1965, as an inspiration for brightly patterned board shorts and rockabilly raffia and plastic dresses with floral motifs. And L.A.'s Rozae Nichols turned to the open road, from the desert to the coast, engineering a prints-based collection for her Clover Canyon label inspired by low-rider car culture, roadside diners, rodeos, surf shacks and even cannabis leaves.
Then there were collections that got me thinking of home in a more abstract way.
At Rochas, dreamy, feminine pencil skirts, bra tops and high-waist swimsuits, set to a soundtrack of nostalgic Beach Boys tunes, conjured images of the halcyon days of summer and feelings of the fresh-faced optimism of the West Coast. Raf Simons' 21st century red carpet dresses for Dior, with their iridescent fabrics and super-short hem lengths, crackled with the electricity of Hollywood's next big thing. And at Celine, it was something totally different — slouchy satin pants, twist-front tunic tops and fur-lined, Birkenstock-like sandals that signaled stealth wealth.
A new uniform for the haute slacker, the Celine look would be perfect for an early-morning run to Coffee Bean & Tea Leaf. But only if you know the paparazzi are watching.
Whether you live here or are just California dreaming, it's all in stores now.


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5 Easy Ways to Earn Money Blogging
Freelance Writing Center
Freelance Writing Center offers jobs on individual writing projects for their clients. Articles needed are of an academic and professional nature, and include custom essays, term papers, research papers, book reports, etc. Each project is specific and unique and each pays a specific fee. You will know in advance what is expected and the pay for each project. Projects pay $6 and up to $20 each. Their freelance writers are earning $500 up to $2000 per month and are paid twice per month through a variety of payment options including PayPal.
Sign up and submit your unique articles. If your articles are accepted, GhostBloggers.net will sell them to other blog owners and website owners in need of content articles. Standard rate for articles is $3.50 for every 100 words, so a 1000 word article would be worth $35.00 if accepted and sold. Minimum payout is $25 and will be paid to your PayPal account.
(Not Blogging but for extra cash)
This is a unique way to make a little cash online. You fill out short (three questions, usually) surveys, earn cash and 'tickets'. You can cashout to PayPal, when your account reaches $2.00, and the tickets are used to enter the daily $50 cash giveaway. There is also a $2.00 hourly giveaway.
OneSpoonAtATime is looking for bloggers to submit "guest posts". You will receive $50 via your PayPal account if your post is accepted. Find more details on the website.
Get paid $5 per ad posted on your self hosted blog or website. Your blog must be indexed (or cached) by Google to qualify. Read their Frequently Asked Questions page for more information.
Do you have a financial website or blog? Would you like to make advertising money from your blog? This is not a pay per click payment system. If your site is accepted, you can get paid to place links on your financial blog or website. Submit your information on their website and they will determine if your blog qualifies. They need websites with a good pagerank and good traffic and will pay accordingly. Submit your blog or website URL today and find out if you can get paid to advertise for Money4Blogs.com.


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This page features death notices and information about funeral services pertaining to deceased members of the Jesuit High School community. The page is frequently updated and is based mainly on information contained in the death notices published on Nola.com/ Times-Picayune and in the N.O. Advocate. The list of deceased is also compiled and printed in Jaynotes, Jesuit's alumni publication. Jesuit alumni who live outside the metro New Orleans region are encouraged to email information about their deceased loved ones to Maura Owers. Her direct phone at Jesuit is (504) 483-3947. Inquiries and questions about information for In Memoriam should be directed to Maura.
For In Memoriam listings prior to June 1, 2013, visit Jesuit's website archives.


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5 signs you might be a social media snake oil salesman by Xan Pearson @XanPearson
Editor's note: It's a pleasure to welcome social media marketing blogger, Xan Pearson as a guest poster with The eMail Guide! She's a very creative writer and offers some fantastic insight into social media and social marketing! Let us know what you think!
As a child I used to watch old Western movies on TV with my dad. I didn't particularly like movies about cowboys and gunfights, but I enjoyed spending time with my dad, so I watched a lot of them. In many of the Westerns, there would be a slick traveling salesman, peddling a fake elixir (snake oil) purported to cure all ailments. The exaggerated character of the "snake oil salesman" was marked by boisterous, obnoxious marketing hype, typically bogus.
Now, as an adult, whenever I see a smooth-talking, insincere person trying to sell something, the image of a snake oil salesman pops into my head. I see it every day: on infomercials, in business, at the mall, and in social media. Sometimes the product is great, but the salesperson is too pushy or just comes across as disingenuous. And therein lies the pitfall for many people and businesses using social media. Whether you're a large corporation, small business, or individual trying to drive traffic to a blog, how others perceive you can make or break your brand's success. Are you coming across as a social media "snake oil salesman"? Here are 5 warning signs you may be harming your brand:
1. You send out a DM to every new follower with a link to your site. Chances are most people will ignore your DM, and you run the risk of being blocked and reported as spam. Would you ask someone you just met face-to-face to do you a favor? The approach appears pushy and your motives seem insincere. Instead, start communicating with your followers and build a relationship of mutual respect and trust. I have many friends in social media who know that I will always RT a new blog post or support them in any way I can. I welcome their requests, but this came over time, after we had connected and gotten to know each other.
2. All of your posts are links to your site. This comes across as desperate and, again, spammy. Social media is not traditional advertising. If you only want to talk about yourself, buy an ad. The "social" in social media implies engagement. Share insightful content with your followers, comment on or retweet their posts, and ask questions. As people get to know you, they will be more apt to go to your blog or website.
3. You post random shout outs in stream asking people to follow you, check out a site or RT a post. I see this a lot with newbies on Twitter who think it's a fast way to drive traffic to a website or accumulate followers. It's highly ineffective and most people will ignore you. It's the equivalent of the peddler on the street corner shouting at passerbys. Social media marketing takes time, and you need to put in the effort to establish a social network and loyal following. If you aren't willing to do that or don't have the time, maybe you should reconsider whether social media is the best marketing medium for you.
4. You use exaggerated claims. These are all over social media and they give the appearance of lack of confidence in the true merits of the products. "Become the next Donald Trump"; "Earn $3,000 in one week"; "Get 1,000 followers a day". This is one of the quickest ways to destroy your reputation/ brand and become labeled a "snake-oil salesman". If you want to build trust, be honest. Tip: If you only have 500 followers on Twitter, don't post "I got 2,000 followers in one week using *XXXX* site." Just sayin'.
5. You ignore complaints. By ignoring negative comments on your blog or about your product, you fuel negativity rather than mitigate it. In the Westerns, whenever someone shouted out "Charlatan!", the snake oil salesman's accomplice would come along and knock them out with the butt of his gun (all in front of a miraculously oblivious crowd), while the salesman continued to shout the merits of his product as though nothing happened. In social media, no one is there to stifle your critics (and your audience will not be as oblivious to your lack of response). Only you can quell negativity, by addressing complaints and detractors with professionalism and sincerity. This exhibits confidence in your product and respect for your customers/followers.
Takeaway: Whether you are new to social media or wondering why you haven't been able to drive traffic to your site, take a moment to reflect on your approach and how you may be perceived. You can have the best product or the most insightful blog, but if you appear too slick or insincere, you will alienate followers.
Agree or disagree? Let us know your thoughts! Drop a comment!
Other post by this Author


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Tracking the Karakoram Glaciers
By Catherine Clabby
A photographer creates images of present-day glaciers from the same vantage point as that of historic photographs
A photographer creates images of present-day glaciers from the same vantage point as that of historic photographs
In 2009, Italian outdoor photographer Fabiano Ventura began "On the Trails of the Glaciers," a project duplicating early 20th-century expeditions to remote mountain glaciers. Ventura's first stop was the Karakoram range, 16,500 square kilometers of glaciers and peaks that include K2, Earth's second-highest mountain. Spanning parts of China, India and Pakistan, the Karakoram range is the most heavily glaciated area outside this planet's polar regions. During a 1909 Italian expedition, photographer Vittorio Sella took numerous much-admired photographs there. Ventura's new images were taken from the same point of view as the historical images to enable direct comparisons for research purposes. The photographs could help scientists observe developments in glaciers related to global climate change. American Scientist associate editor Catherine Clabby discussed the scientific value of the first stage of Ventura's project with Kenneth Hewitt of Wilfrid Laurier University in Canada. An expert on Karakoram glaciers, Hewitt is a member of the project's scientific committee.
A.S. Have glaciers in the Karakoram range been well studied?
K.H. The glaciers have been studied mainly in a few relatively extensive expeditions. The earliest were over 150 years ago and provide some basis for comparison. The 1909 Italian expedition brought a huge leap forward with mapping, observations along many of the high-altitude source areas of Baltoro glacier, and the outstanding photographs of Vittorio.
A.S. The Karakoram glaciers display changes since 1909 that you and other scientists associate with climate change. Yet the differences are not the dramatic shrinking and melting observed elsewhere. Can you explain that?
K.H. Glaciers are diminishing in most parts of the world, and reports of "disappearing glaciers" have come from much of the Himalaya region, but not the Karakoram. Total glacier cover there diminished by about 10 percent during the 20th century, but since the late 1960s there has been little change. Recently, many glaciers in the higher parts of the range have thickened and advanced. There have been exceptional numbers of glacier surges—sudden, rapid advances of some kilometers in a few months. The responses certainly reflect climate change, but they are regionally distinctive responses. The advances appear to relate to negative feedbacks in the glacier environment involving increased snowfall or reduced melting or both. The evidence is largely indirect or model-driven, but several research efforts using satellite imagery suggest both increased snowfall at higher elevations and more storminess and cloud cover in summer, which may reduce melting. If the apparent anomalies result from a warming globe, it suggests more moisture is transported from warmer oceans to the highest mountains. Once there, it either nourishes the glaciers with increased precipitation or protects them from some melting with more frequent cloudiness.
A.S. Do these glacier advances and surges pose dangers to people dwelling closest to the Karakoram?
K.H. Given the loss of glaciers elsewhere, sustained glacier mass in the Karakoram may seem good news, and in certain respects it is. But advancing glaciers also bring dangers. They brought hazards and disasters during the Little Ice Age, that period of global cooling that persisted in this region until the early 20th century. Hazards back then included glacial lake outburst floods that reached the heavily populated lowlands. Ice dams from advancing glaciers off the northern flanks of K2 remain a threat on the upper Yarkand River. Surges and terminus advances are confined to the higher parts of the range where they can block paths but rarely reach inhabited areas. The greater danger comes from ponds of water created during glacier advances or within stagnant ice after the surges end. Outburst floods from these ponds are especially destructive where they entrain sediment and become debris flows. Because the mountains straddle three countries, transnational as well as local and national issues arise. About one million people live along the upper Indus streams in the Karakoram and nearby ranges. Tens of millions live downstream in the Indus and Yarkand River lowlands, where snow- and ice- melt waters dominate river flows.
A.S. How are Fabiano Ventura's photographs of these glaciers useful to scientists?
K.H. Observations of changes in glaciers over a century or more are an invaluable first indicator of what has happened and what needs to be explained. We can see detailed variations in the margins and surface features of glaciers in these photographs. The Baltoro glacier is barely 300 meters shorter than in 1909, but the Biafo glacier is 3,500 meters shorter. The two glaciers are in the same part of the range, of similar size and length. However, Biafo is fed mainly by direct snowfall in the huge open basins at its head, while Baltoro is largely avalanche fed and has a much higher, more rugged watershed. There are indications that a higher watershed, avalanche nourishment and heavy debris cover produce a more conservative response to climate change—and these effects apply to all glaciers advancing at present. High-resolution photography can also extend analysis of glacier changes to otherwise inaccessible areas. It supplements satellite imagery, some of which is amazing, but which is restricted to the recent past and not so good for observing vertical changes. The higher the resolution of images taken now, the greater the usefulness of photography for tracking future changes.
For more information about "On the Trails of the Glaciers," including updates regarding a documentary and a photography exhibit, visit http:// www.sulletraccedeighiacciai.it
In Sightings, American Scientist publishes examples of innovative scientific imaging from diverse research fields.
Click "American Scientist" to access home page


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I went to Tianjin (天津) today, a city east of Beijing and a mere 30 minutes away by high-speed bullet train. It's a city with lots of history but I came here mostly for these baozi and to check out the food scenes here.
Goubuli baozi (狗不理包子) is famous in China with branches all over mainland China. The original restaurant was opened in 1858. There was a farmer in the countryside of Tianjin whose son was born when he was 40. He named the baby "Gouzi" (狗子) or "baby dog." Gouzi went to Tianjin to apprentice in a steamed buns shop when he was 14. He learned the skills and later opened a stall selling steamed pork buns or boazi (包子 ). His baozi was so soft and fragrant that he soon became very successful and attracted many patrons. Gouzi was always busy with his business that he had no time to talk to his customers. Then, people started saying "Gouzi doesn't talk when he's selling his baozi (狗子买包不理人)" and so people started calling him "Gou Bu Li" (狗不理), meaning he never paid attention to people or just simply ignore them…
These steamed buns were so famous that they were brought back to Empress Dowager Cixi (慈禧太后) and she loved them very much. Goubuli Baozi (狗不理包子) became very famous throughout China since.
So, what was my verdict?
While these baozi (steamed buns) are rather tasty, I was quite underwhelmed. First of all, the meat fillings were not as flavorful as I had originally anticipated, plus the texture was actually mushy. The mini baozi (similar to xiao long bao) tasted better but still lack in depth compared to the regular Shanghainese xiao long bao.
All in all though, I didn't regret coming to Tianjin, and certainly didn't regret eating at Goubuli. If you are in Tianjin, you might well want to try them out. There are various branches in Tianjin, but I went to the original one.
Heping District
77 Shandong Lu


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Staff writer
Before Tammy Ensey moved to Marion, she made a list of things that she did not want to give up. When she noticed that Marion did not have anyone who taught Turbo Kick exercise classes, becoming a certified instructor was at the top of her list.
"I participated in Turbo Kick classes at the YMCA in Wichita for seven years," Ensey said. "This is my first attempt at teaching."
Turbo Kick is a cardiovascular workout program that incorporates kickboxing moves and dance moves choreographed to music.
To become a certified instructor, Ensey had to demonstrate that she could perform all the kicks, punches, and other various moves specific to the Turbo Kick program in front of other certified instructors.
"I love that it is a great workout," Ensey said. "You can burn 600 to 800 calories in an hour if you do it right."
Ensey said she pairs Turbo Kick with strength training and some running outside of class, but she really enjoys the Turbo Kick program because of the variety in the workout routine.
"I like that it makes you think," Ensey said. "I'm not a runner. My mind has to be working to distract me from the pain my body feels."
She said she has been spending a little time at the beginning of each class previewing different moves that are incorporated into the routine.
Each punch and kick section is developed in layers students learn consecutively as they progress further into the program, she said. However, the moves and choreography change every eight weeks.
"The music is great," Ensey said. "It's mostly top 40 songs with nice lyrics and a good beat."
Marion Elementary School physical education teacher Nicki Case is familiar with the Turbo Kick program from workout videos she has exercised to in the past.
"It's the same type of moves as the videos," Case said. "But it is more fun and it motivates me to have other people to do it with."
Case said for a runner or someone who does martial arts as their normal exercise the Turbo Kick workout is "more dancey."
Because of the amount of footwork students perform, Ensey said people need good shoes. She also encourages people to bring a yoga mate for the abdominal and cool down sections because the class is taught on a hard wood floor at Skywalkers Gymnastics building.
Ensey said Turbo Kick does not have to be a high impact workout. Moves can be modified to suit any student's skill level and she encourages people of all ages to try it at least once.
"It's for anybody that wants a good workout," Ensey said. "Anyone can do it if they put their mind to it."
For more information contact Ensey at (316) 253-3922 or go to www.marionkansasfitness.com/Turbo-Kick.html.


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Key credit report indicators
1 of 7
You've pulled one of your credit reports. Now what?
As you've probably heard by now, you're entitled to free copies of your credit reports. Federal law gives you the right to request your three credit reports, one from each of the three major credit reporting agencies, every year through AnnualCreditReport.com.
You can get them all at once or throughout the year. Personal finance gurus often recommend pulling one report every four months so you're regularly tracking your records. Either way, checking your credit reports is a smart move when you consider that information from your credit report determines your credit score.
But once you get that report, what do you do with it?
How about giving it the six-minute treatment? While you definitely want to read the full report in detail, a quick check on a handful of indicators can give you an instant appraisal of how good --or bad -- your credit is right now.
Here are six markers that can provide an X-ray of your credit health.
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Late payments
2 of 7
Delinquencies are "huge influences" on the credit score, says Stephen Brobeck, executive director of the Consumer Federation of America. In fact, they make up 35 percent of your FICO score.
If you see notations that bills have been paid 30, 60, 90 or 120 days late, "that's very damaging" to your credit, he says.
The other factor that's important here: the timeline. How late was the payment, and how long ago did you make this mistake?
The later the payment, the more it hurts your credit, says Evan Hendricks, author of "Credit Scores & Credit Reports: How the System Really Works, What You Can Do."
But the more time that has passed since you made a late payment, the less it will affect your credit, he says.
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High debt-to-credit limit ratios
3 of 7
Credit scores typically look at your debt-to-credit limit ratio or "utilization" in two ways: They compare the balance on one revolving account to your available credit from that lender. For instance, if you have a credit card with a $1,000 balance and a $5,000 credit limit, this ratio would be 20 percent.
Scoring formulas also look at your debt-to-credit limit ratio a second way: calculating the total of all your debts on revolving accounts against your total credit lines on those same accounts.
So if you have four credit cards each with a $5,000 credit line ($20,000 in credit), and you have a $1,000 balance on two of them and nothing on the other two ($2,000 in debt), this ratio would be 10 percent.
"In an ideal world, you would want to have (those ratios) under 10 percent," says Hendricks. "But certainly you want to keep them under 40 percent. There's no magic number."
But if you're running up a balance of $2,000 to $3,000 with a card that has a $5,000 limit, "that's really going to hurt your score," says Brobeck. "And what's worse is running up balances on several cards."
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Collection activity
4 of 7
Most of the time, if you have an account that has gone to collections or been written off as a bad debt, you know about it, says Rhonda Bailey, credit counselor and credit report review manager for the nonprofit Credit Counseling of Arkansas.
But not always.
"There are those few instances, like an old utility bill after you've moved, (where) the collection agency didn't find them and (the consumer) forgot about it," she says. "I see that occasionally."
If you find an item that isn't yours, you can dispute it and have it removed from your report.
If the item is yours, you have some decisions to make, Bailey says. Can you afford to pay it?
It's a good idea to check your state's statute of limitations, which is the period of time creditors have to sue you over a debt. Your state attorney general's office can give you that time limit, she says.
Separate from that time limit, the item can stay on your credit report for seven years. The longer it's been on your report, the less it affects your score.
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Judgments, liens, bankruptcies
5 of 7
It is hoped that you would know if you've had any major financial difficulties that involved judgments, liens or bankruptcies. However, if someone else is using -- and trashing -- your financial identity, a notation on your credit report could be your first clue.
Ditto if a less-than-scrupulous collector has tagged you with someone else's debt or taken action against you without proper notification.
When you get that report, scan the "public records" section, says Michelle Dosher, managing editor for consumer publications for the Credit Union National Association. "If there are any liens or bankruptcies, it's a good way to check."
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Active accounts you closed -- or never opened
6 of 7
You closed a store card after you moved. Or you finally got around to asking your daughter to close the card account you co-signed for when she was in college.
The next time you pull your credit report, if enough time has elapsed, it should show that those accounts are closed, says Dosher.
Glancing at your credit report "is a way to verify that you have closed them and the dates are correct," she says. If what should be a closed account your credit report lists as open, that's a good time to contact the issuer and find out why.
Another thing to look for is accounts you don't remember opening in the first place. Absent a mix-up, that could be an "indication of identity theft," says Dosher.
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Hard inquiries
7 of 7
Your credit report will tell you who else has been viewing your credit report. Called "inquiries" in credit-speak, they come in two kinds.
Hard inquiries are when you have actually requested new credit -- filled out an application, signed paperwork, etc. -- and asked a lender to check your history. When you get a hard inquiry, your credit can take a small dip. Hard inquires could affect your score for one year, but you'll see them on your report for two years.
Soft inquiries are what credit bureaus put on your report when someone reviews your credit file but you haven't asked for new credit. If you pull your own credit report, that's a soft inquiry. You'll also see one if a prospective lender pulls your credit for marketing purposes. Soft inquiries don't affect your score.
Hard inquiries are "such a small part of your credit score," says Kelly Rogers, chief development officer for the nonprofit Consumer Credit Counseling Service of Orange County, Calif., and adjunct faculty at Chapman University. "But it's such a great way to see if anyone's been using your information."
More From Bankrate.com


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Lost luggage and ever-shrinking leg room aren't the only hazards of air travel. New research has found that deadly bacteria can hang around airplane cabins for up to a week.
These aren't your everyday bacteria, either. The researchers specifically tested for two two nasty ones: methicillin-resistant Staphylococcus aureus (MRSA) and a dangerous strain of E. coli.
"Our data show that both of these bacteria can survive for days on the selected types of surfaces independent of the type of simulated body fluid present, and those pose a risk of transmission via skin contact," study researcher Kiril Vaglenov of Auburn University said in a statement.
The diseases caused by this bacteria aren't fun: MRSA can cause a painful, antibiotic-resistant skin infection that can sometimes spread throughout the body. And E. coli can cause severe abdominal cramps, bloody diarrhea, and vomiting.
They tested for these superbugs on six different airplane cabin surfaces: armrest, plastic tray table, metal toilet button, window shade, seat pocket cloth, and leather.
Their findings? MRSA was still alive after a week on seat-back pocket material. E.coli lived for four days on an armrest.
The researchers presented their findings at at the annual meeting of the American Society for Microbiology in Boston, Massachusetts.
(A note: The study didn't test the cleaning products or protocols used by airlines, so these aren't totally real world conditions.)
"The take-home message is be careful about your hand hygiene and don't travel while contagious or immune compromised," Vaglenov told The Washington Post. Basically, don't forget the hand sanitizer.


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I've wanted to try out silicone baking pans for some time now. My silicone cookie sheet liners are great and my silicone spatulas are stain proof and fairly heat resistant. So when I found this silicone heart shaped muffin pan on clearance for $2.99 (at Williams-Sonoma if you can believe it!), I thought what do I really have to lose? I mean, that's less than I spend on a latte at Peet's.
The big advantage to silicone bakeware is that it's supposed to be nonstick. No more buttering and flouring especially when you have fancy shapes like shells or bundts (or simple shapes like rectangles or hearts). No more worrying about whether or not your cake will come out of the pan intact. Well, maybe I got a dud because I had a lot of trouble prying some of the brownie hearts out of the pan. And even though the molds are soft and floppy, making it relatively easy to push out any sticking brownies from the bottom of the molds, 5 of 12 brownies didn't survive the extraction process. May they rest in pieces.
I usually don't have trouble removing my baked goods from (metal) pans since I butter, flour or line when necessary. Maybe if I had buttered and floured the silicone? But that defeats the purpose of using silicone. I don't know if I'll try the silicone pans again. Part of me wishes I spent the money on lattes instead. As disappointing as this first silicone pan experience was for me, at least I had some brownies to console me.
Chocolate Brownie Hearts
3 oz bittersweet chocolate, finely chopped
3 tbsp (1.5 oz) unsalted butter, cut into small pieces
1/4 cup all-purpose flour
1/4 tsp baking powder
pinch salt
1/3 cup granulated sugar
1 large egg
1/2 tsp vanilla extract
Preheat an oven to 325ºF. Butter the wells of a heart-shaped muffin baking pan (or a regular muffin pan).
Melt the chocolate and butter over a double boiler, stirring occasionally, until smooth and blended. Let cool slightly.
Sift together the flour, baking powder and salt. Set aside dry ingredients.
In another bowl, whisk together the sugar, egg and vanilla until light in color and doubled in volume. Whisk in the chocolate mixture and then the flour mixture just until combined.
Divide the batter evenly among the wells of the prepared pan and smooth the tops. Bake until a toothpick inserted into the center of a brownie comes out with a few moist crumbs attached, about 20 minutes.


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Life Science: Session 8
Bottle Biology Spotlight
The Bottle system that has been designed to accompany Session 7 – Energy Flow in Communities – and Session 8 – Material Cycles in Ecosystems – is called the "EcoColumn." In this system, an aquatic and terrestrial community are linked together in one bottle system. The organisms within include producers, consumers, and decomposers. What evidence is there that materials are cycling in this system? Check out Bottle Biology Spotlights to track the progress of our very own Essential Science for Teachers systems.
Bottle Biology Spotlights: Session 8
|Activity Instructions:
|Track Our Progress:
|Decomposition Tea
|See Our Decomposition Tea Results
|TerrAqua Column
|Now You See It
|See Our Now You See It Results
|prev: reflect on your teaching


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It's been a *very* hard secret to keep. Each day we continue to be amazed. We are full of joy, excitement, fear at the newness of it all.
I am ecstatic to share with you this joyful news, we thank God every single day for this tremendous gift.
There will be a gender reveal party, a baby shower, a baptism, a nursery design reveal....many exciting things to come.
Your prayers would be deeply appreciated as we continue on this exciting journey. Thank you for your incredible support.
AND....I need your help! Do you have any favorite baby products? Must-haves for clothing, accessories, decorations, toys and play things, books, swaddle blankets, crib bedding, bath products, diapers, websites, resources....ANY and ALL?
Please share, I would love to learn of your favorites!


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Great blue Überdrop forms outside Enbridge hearings in Vancouver
Many Vancouverites are opposed to Enbridge building the Northern Gateway pipeline to carry oil from the Alberta tar sands to the B.C. coast. For one thing, they don't want to see that oil loaded onto tankers and possibly spilled in the waters off Kitimat.
Today (January 18), these people got a chance to express their love for the B.C. coast in a most colourful way. On the last day of the Enbridge hearings in the city, hundreds gathered outside the Sheraton Vancouver Wall Centre and formed a giant blue water drop, the Überdrop.
Local artist Zack Embree and activist A.J. Klein organized the community art project. "The Blue Drop is a symbol of unity, hope and enduring strength. AJ and I are combining community and art in order to draw attention to the need to protect land and water from resource extraction projects such as the Proposed Northern Gateway pipeline, and the Kinder Morgan pipeline, which is currently servicing tankers leaving our own inlet here in Vancouver," Embree explained in a news release today.
Now that's a beautiful protest.
8 Comments
I've never seen any living creature drink or eat oil and live.
Jan 18, 2013 at 5:31pm
I support all those opposing the northern gateway pipeline, including Idle No More. Harper's Canada is not what my parents, great-grandparents build with their blood sweat and tears. Harper's behind closed doors and under the table deals erodes our Canadian consititution and basic human rights. We are here because of the environement. Without the environment, fresh air, clear clean water, all the creatures great and small that are part of our world, we could not and would not survive. The more man chooses to destroy the environment, man is in effect committing suicide. A lot of the general public is not aware at how much fresh water is used in extracting oil from under the earth. I've never seen any living creature drink or eat oil and live.
Gene Logan
Jan 19, 2013 at 9:49am
It absolutely baffles me how anyone could give a thumbs down to any comments celebrating this joyous event and it's resistance to the tyranny that is the tar sands. Really, I mean wtf!!
Ursula Twiss
Jan 19, 2013 at 10:33am
Laurie S
Jan 21, 2013 at 12:31pm
Brought tears to my eyes. Amazing. Beautiful. My heart skipped a beat too....
Dawn Bishop
Jan 22, 2013 at 7:51am
What happened to democracy in Canada? Steven Harper is selling out Canada right before our eyes. He has children too; does he believe the side deal money he is making is going to save them from the destruction he is allowing? Is there some secret land the rest of the world is not aware of that allows him to sacrifice his own and the home of the native people and other citizens of this great land?
During his reelection when his son tried to hug him but he did not embrace him back my blood ran cold and I knew we were in trouble.
Tony Dorling
Jan 22, 2013 at 9:03am
"I've never seen any living creature drink or eat oil and live."
Have you ever heard of bacteria?
@Tony Dorling
Jan 22, 2013 at 7:49pm
Darling Tony, further research into your link about hydrocarbon-eating bacteria indicates:
..."Unfortunately, however, most speculation about the fate of the methane releases was grounded in baseless conjecture — not on any hard data. Such unsupported speculation reminds us of the famous quote by Lord Kelvin in 1883:
"I often say that when you can measure what you are speaking about, and express it in numbers, you know something about it; but when you cannot measure it, when you cannot express it in numbers, your knowledge is of a meager and unsatisfactory kind; it may be the beginning of knowledge, but you have scarcely in your thoughts advanced to the state of Science, whatever the matter may be." "
i'm speaking of and refering to all wild life and their eco systems connected to all elements of life on earth: in the air, water, sea, and on land. While oil-covered birds have become an emblematic image of catastrophic oil spills, sea birds aren't the only ones affected. Oil is extremely toxic to all wildlife, and the toxic effects on marine life begins as soon as the oil hits the water.
@Tony Doling - part 2 -
Jan 22, 2013 at 7:58pm
Oil does not have to be sticky to endanger wildlife. Both sticky oils such as crude oil and bunker fuels, and non-sticky oils such as refined petroleum products can affect different wildlife. Oils such as refined petroleum products do not last as long in the marine environment as crude or bunker fuel. They are not likely to stick to a bird or animal, but they are much more poisonous than crude oil or bunker fuel. While some of the following effects on sea birds, marine mammals and turtles can be caused by crude oil or bunker fuel, they are more commonly caused by refined oil products. Oil in the environment or oil that is ingested can cause:
-poisoning of wildlife higher up the food chain if they eat large amounts of other organisms that have taken oil into their tissues;
-interference with breeding by making the animal too ill to breed, interfering with breeding behaviour such as a bird sitting on their eggs, or by reducing the number of eggs a bird will lay;
-damage to the airways and lungs of marine mammals and turtles, congestion, pneumonia, emphysema and even death by breathing in droplets of oil, or oil fumes or gas;
-damage to a marine mammal's or turtle's eyes, which can cause ulcers, conjunctivitis and blindness, making it difficult for them to find food, and sometimes causing starvation;
-irritation or ulceration of skin, mouth or nasal cavities;
-damage to and suppression of a marine mammal's immune system, sometimes causing secondary bacterial or fungal infections;
-damage to red blood cells;
-organ damage and failure such as a bird or marine mammal's liver;
-damage to a bird's adrenal tissue which interferes with a bird's ability to maintain blood pressure, and concentration of fluid in its body;
-decrease in the thickness of egg shells;
-damage to fish eggs, larvae and young fish;
contamination of beaches where turtles breed causing contamination of eggs, adult turtles or newly hatched turtles;
-damage to estuaries, coral reefs, seagrass and mangrove habitats which are the breeding areas of many fish and crustaceans, interfering with their breeding;
-tainting of fish, crustaceans, molluscs and algae;
interference with a baleen whale's feeding system by tar-like oil, as this type of whale feeds by skimming the surface and filtering out the water; and
poisoning of young through the mother, as a dolphin calf.