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Investors own too many stocks. Over-diversification plagues portfolios across the country as financial advisors throw everything but the kitchen sink at their clients' financial plans. The result is mediocrity. Just the other day I looked at one with not just one, but two WRAP accounts. Between them, they own 1989 stocks. What makes matters worse in this particular instance is the portfolio also holds Berkshire Hathaway (NYSE: BRK.A, BRK.B) "B" stock, itself a diversified company. Here's a cheaper way to create the ultimate over-diversified diversification portfolio.
IN PICTURES: 20 Tools For Building Up Your Portfolio
A Fund Of Funds
A simple way to create a diversified portfolio is to buy a bunch of insurance companies who've taken their excess premiums and invested them in other companies. Berkshire Hathaway's insurance subsidiaries, including GEICO, do it as do most others. The trick is figuring out which insurance companies to own.
Insurance companies eventually have to pay out those premiums in the form of claims made by policyholders from catastrophic events like hurricanes, floods, fires and other acts of Mother Nature. When this happens, profits fly out the window very quickly.
To counter this, in addition to the insurance companies consider buying an ETF or two that covers your bases. My preference would be to own the iShares MSCI EAFE ETF (NYSE:EFA) because it covers the world's major economies except the U.S., giving you a global portfolio with just four holdings.
Follow The Oracle
Warren Buffett's holding company has a large portfolio of businesses that it either owns outright or has a significant interest in. Its latest holdings report from June 30 shows Berkshire Hathaway owns shares in 41 public companies worth $49 billion. Right there you get a solid group of financial, consumer goods, energy and health care companies.
Many have made the case it's the only stock to own and it's hard to argue given Buffett's track record. Berkshire Hathaway is really a hybrid fund in that it is part private equity firm and part mutual fund. That's a potent combination.
Graham-Based Principles
Markel (NYSE:MKL), the niche property and casualty insurance company benefits from Tom Gayner, a value manager with a long-term track record that is better than most. Gayner's philosophy is similar to Ben Graham's, choosing to invest in companies with wide moats or margins of safety. Markel's book value per share increased 8% in the first six months of the year from $222.20 at the end of 2008 to $239.68 at the end of June; much of this due to gains in its investment portfolio.
Financial services account for 43% of the portfolio (down from 52% from 2008) and a large portion is in Berkshire Hathaway and Fairfax Financial (NYSE:FFH). Two of its largest holdings are CarMax (NYSE:KMX) and Diageo PLC (NYSE:DEO). It's going to take a long time for Americans to start buying new cars and until they do, the used-car market is going to be strong. Either way, CarMax is well positioned in the automotive marketplace.
As for Diageo, their brands are too strong to ignore. With sales and earnings up 15% and 6.6% respectively for the year ended June 30, consumers might be broke but they're still buying Johnnie Walker, Guiness and Smirnoff at a very respectable rate.
Discount Savings
Loews (NYSE:L) has long been a favorite company of mine. Amongst the Tisch family's many holdings is property and casualty firm CNA Financial (NYSE:CNA); Loews owns 90%. Barrons ran an article in early August suggesting Loew's stock is currently trading at a 30% discount to its net-asset value. Why buy the operating company (CNA Financial) and its investment portfolio of 590 stocks, when you can get 90% of it for 30% off? Go to the source.
The Bottom Line
With just four stocks, you too can own a powerful portfolio that will make you rich instead of your financial advisor. Imagine that. (For more, read Do You Need A Financial Advisor?)
Use the Investopedia Stock Simulator to trade the stocks mentioned in this stock analysis, risk free!


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As some of you might already know, Ezard restaurant on Flinders Lane is one of my favourite Melbourne restaurants and I've been wanting to visit Ezard's sister restaurant, Gingerboy, for a very long time. The opportunity finally came last night with the convenient excuse of "it's my birthday" for me to shout dinner to a few of my very good friends. Because it was a last minute thing, I was kinda worried that we might not get a table for Saturday night given that I've heard that it's hard to get a booking here. However, luckily the guy on the phone said that they were able to squeeze us in. Because clearly my awesomeness exuberated from my phone to the guy's phone. Heh .
If you're familiar at all with Ezard, you will find that Gingerboy is a very different restaurant. Sure, the Asian elements are there but whereas Ezard is top-class fine dining, Gingerboy is more casual, more "Asian" and I guess, cheaper. The reason why Teage Ezard (i.e. the grand master) decided to establish Gingerboy is because he is a fan of Asian street food. But Gingerboy doesn't offer you "authentic" street food that you'd get from Bandung or Hanoi. It's a more "funked up" version that caters to Melbourne's young and hip crowd using all sorts of fresh and exciting ingredients taken from all sorts of Southeast Asian cuisines that culminate into one very distinctive "cuisine" simply known as Ezardese. Of course, that means that the food is 10 times more expensive that the $2 dumplings you might find on the streets of Pattaya but that doesn't mean that you should shun Gingerboy like some of my fob friends do because they say that they can get much cheaper and much more "authentic" food back home.
Another thing that prevents Asians from going here is because the owner is an Aussie. Just because he ISN'T Asian, doesn't mean he can't cook Asian food. The notion that you HAVE to be Asian to be able to make good Asian food is absurd. I know lots of Asians who can't book anything beyond a simple bowl of 2 min noodles. And I have a mate who is from a Northern Greek Macedonian background whose mother cooks the most amazing Peking duck and Singapore fried noodles, even better than a lot of the stuff that many Asian restaurants can come up with. So there.
Okay, back to the review. We rocked up at 6pm and proceeded to be amazed at the awesome architecture that greeted us. The decor consisted of black bamboo rods that lined the walls and little blue fairy lights were scattered all over the ceilings and some of the walls to give the place a "magical" feel. The tables were dark and polished and the chairs, which were apparently $600 each, were effing uncomfortable as they were hard but it was nothing to make a big fuss about. I guess what Ezard wanted to achieve with this look was to re-create a 1950s Shanghai tea-room. Very stylish, very funky – and I'm talking about both the room and the people. It's like you HAD to be young and hot to be able to eat here. Like I said, my awesomeness and hotness(sic) could be detected through the phone when I was making the booking, haha!
While we were waiting for Tim to hurry up and get here from work, we ordered some cocktails. I had the gingergirl cocktail ($16) which was a lemongrass infused vodka mixed with ginger, coriander, and pineapple juice. I suppose it's more of a "summery" cocktail but who cares, I like pineapple and coriander so shut up. After finally learning that Tim was running an hour late, we decided to order without him first seeing as we had to be out by 8pm for the next lot of diners to arrive. For us, the $55 p/h banquet sounded good so we went for that. The waitresses told us that for a group of four, we'd get 4 entrees and 3 mains (shared dish) plus a dessert plate to share and coffee if we wanted to. And when Tim rocked up, we can just add on an extra main or something. We were able to choose our dishes from the a la carte menu or let the chef choose for us but I had my eye on a few of the menu items so I picked about 3 of the dishes and let the kitchen choose the rest. Although we ordered a banquet, I will include the individual a la carte prices of each dish as I do that with most of my reviews anyway.
"So, in Vietnam they have this drink called snake wine right.. basically, they rip out the snake's skin, take out its heart – which they force you to eat – and use its blood to make the wine. Guys drink it so that they can perform good in bed."
Heh, love the look on Pat's face!
Red duck leg curry ($32.50). Four succulent pieces of duck legs were presented on a clean white plate, topped with some sort of tumeric and coconut sauce. The flavour was not much different to beef rendang sauce except that it was tangier and sweeter. The crispy shallots and the Thai basil added a beautiful fragrant aroma to a very yummy dish.
We also got 2 side dishes to go with our mains as part of the banquet. Above are the wok greens ($7.50) which were basically Asian vegies lightly stir-fried in oyster sauce.
Fried corn cakes ($7.50). My mum makes a decent version of these but I'm sorry mum, Gingerboy's were much more tasty . They were puffy rather than flat, soft on the inside and crispy on the outside.
L-R: Taro icecream with fermented sticky rice pudding inside topped with fried lotus root, tofu cheesecake with lime jelly and glazed rhubarb, cinnamon sugared pineapple fritter with star anise ice cream, chilled chocolate pudding with chilli caramel and spiced pears, sweet potato bun with red bean filling.
They were all sooooo good, I was not able to choose a favourite!
A toast from The Great Patrick J Shilling
Adam, me, Tim. Oh, and the retro game machine
(Yeah, Aaron was going Wong Gar Wai on us)
Adam and me
What a great Saturday night! Not even the rain, Matt being sick, Tim being late and some random's butt-awful black vinyl jacket could ruin the night. We may have gone to many bars (not included in photos are Atrium 35, Martini Bar and Sister Bella) but I only had one Asahi the entire time. Talk about showing restraint!
Damn, I feel like one of those son-in-law eggs again…
10 Comments on Gingerboy
Nice looking and possibly awesome tasting Food and 1, 2, 3, 4 5 Bars!!!!!
Geez, it was raining hard last night too!Reply
Wow, you and Adam must burn a lot of money eating out. I can't begin to imagine how much you must spend on that. I'm not sure where you get the money from, any tips on how to afford so much eating out? heheReply
You know what I'd love to go out on one of those dinner things with you and do my own reviews. I bet yours would be all detailed and fancy and mine would be "everything tasted weird and I made Lib come to Maccas with me afterwards and she called me a douchebag who doesn't appreciate food and I squatted on the side of the road and cried into my Big Mac".
Happy birthday again though, looks like you had a blastReply
@s_l_v – Hahahaha your comment's gold! And I will do a detailed review on the McChicken I will have at Maccas and write about how squidgy the bun was, how cold the chicken was and how soggy the lettuce was. Hehhhhh.Reply
Gingerboy is among the few restaurants (e.g. Longgrain) that does a poor imitation of Asian food.
How can "we fob asians" expect to pay a premium on a bastardized version of our food? (not to mention, cooked by the people who barely understand our culture).
Singapore Noodles for $27.50? We "fob asians" are simply not suckers, if that's what you're implying.Reply
hello, Thanks for clearing that up. My apologies for coming across harsh, because I was somewhat offended when I came across that statement, (because I do fall into the category of being thrifty). I certainly do respect that everyone do have different tastes etc.
I suppose that people go to places like gingerboy, longrain etc for the atmosphere (just like why people go clubbing). However I am still skeptical of such places which overcharge for food, since I think that for average punters, there are better venues out there which will provide a better experience. By no means am I implying that the high end market is a rip-off, (In fact, I'm currently planning on going to some the St. Pellegrino Top Restaurants) The main reason I made a comment was because of my skepticism that the reputations of these restaurants are rather more commercialized.Reply
love your reviews. by the way, im singaporean and there is not such thing as singapore fried noodles in my country! its a western invention! anyway keep writing.Reply

subset: commoncrawl


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Link of the Month
Each month we highlight an Internet, USENET Special Interest Group (SIG), or similar mailing list(s) or Website(s).
Since the items we highlight here almost always have some sort of Web component these days, and sometimes ONLY have a Web component, this feature will henceforth be called "Link of the Month," rather than "List of the Month." -- Ed."
The way things are going these days, it probably wouldn't hurt to bookmark this site (http://www.tdh.state.tx.us/default.htm) and check it on a regular basis. Besides the more mundane things one might expect from such a site (birth/death records, grants, funding, laws . . . ), there is now a section called "Bioterrorism Preparedness." This area currently has three sub-areas:


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A few weeks ago I posted a recipe for an orange upside down cake and candied orange peel. I had over cooked the orange peel by, oh about an hour or so and while it was good it wasn't what I wanted. Then I tried a different recipe from a Martha Stewart Everyday Cooking magazine, I used grapefruit peel as called for, followed the recipe exactly and it turned out horribly sour. I took the 2 recipes and combined the best elements and finally came up with ultimate nibbling treat made from waste.
Still sick-ish, cranky, grumpy, trying to learn to knit socks, organizing, decluttering and momming, I spent the rest of the day after I volunteered at school cleaning out our
Candied Orange Peel
peels of 3 oranges-you can just save them in container in the fridge until you have 3
1 cup sugar
1 cup water
in a sauce pan bring some water to a boil
reduce heat and add the orange peels, poke them down in the water
simmer for 20 minutes, turning them over several times
pour water out, add more water bring it up to a boil again
reduce heat simmer 5 minutes
repeat 1 more time
remove from the water to cooling rack over a plate or bowl to catch drain off
meanwhile pour out the remaining water in the sauce pan
cool and drain for at least 30 minutes
carefully cut the white pith off the skin
it should be really soft at this point and come off easily
a very sharp knife makes this job a pleasure
if you want strips or chunks decide now and cut them accordingly
in the same sauce pan mix up a simple syrup from the equal parts sugar and water
stir until the sugar dissolves
bring to a low boil then reduce heat
add the orange peel and simmer 40 minutes
turning and poking the peel down as needed
remove to the same rack and let cool and dry
sprinkle with additional sugar if desired
store in a cool dry place
We left ours on the counter and just slowly picked at it until it was gone. I did snip up a piece for use in muffins but forgot to add it in. You can use it for a garnish on cheesecakes or dip it in chocolate but we prefer to nibble it as we go about getting the house organized.
Peace and Love,


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Why go out and get a mediocre burrito when you can make a tasty one at home? This burrito was fantastic and simple to make. In time it would take you to start the car and drive to a Mexican chain restaurant, you could be making these delicious and HEALTHY burritos in the comfort of your own home. Don't be stupid! Make the right decision and give these a try!
Below are the ingredients my boyfriend and I used to make our burritos. The best thing is that you can use what you have on hand and be creative with your burrito ingredients.
- whole wheat wraps
- black beans
- guacamole
- tomatoes
- red onions
- rice
- lettuce
- cilantro
- sautéed red, yellow and green peppers
- salsa or pico de gallo
- pineapple
- lime
- cumin
- cayenne
- red pepper flakes
- hot sauce
- chili powder
- salt & pepper
We put everything out on the table and made gigantic, delicious burritos. So good! You could add other vegetables, different beans, tofu etc.—the options are endless!
What do you like to put on your burritos? Do you have any favorite combinations? Share with us below!


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The country may have more mobile phones than toilets but answering the call of nature, it seems, is determined by the pecking order even in some top government offices in the nations capital which do not have a dearth of rest rooms.
Blame it on a colonial hangover or the assumed superiority of bureaucrats in the corridors of power, these offices, The Indian Express has found, have rules in place that reserve some toilets exclusively for officers of a specified rank and above.
The affirmative action apparently aims to allow senior officers to ease themselves in cleaner facilities and is in practise in no less than the Prime Ministers Office, the Home Ministry, Environment Ministry, the Department of Personnel and Training and the Directorate General of Civil Aviation, to name a few.
The PMO, in fact, issued a circular as recently as August 23, 2013 to remind those working there about where they could go or not go.
It has been observed that staff not entitled to use these toilets are using the same, leaving the premises dirty, the circular said referring to toilets reserved for senior officers.
To avoid any embarrassing situation, all staff members are expected to refrain from using toilets that are exclusively marked For Officers Only, failing which administration will be constrained to take suitable action against staff defaulting on this count.
The circular was issued by Under Secretary R Mythily and accessed by The Indian Express through the RTI Act. The PMO reply also said that there are 13 toilets in the complex of which two are reserved for senior officers.
A similar circular had been issued on March 10, 2010 but had obviously not succeeded in curbing the tendency in the PMO to break barriers when it came to matters of the bladder.
The undersigned is constrained to issue this order primarily because it is observed that staff not entitled to use this toilet is using the same, leaving the premises dirty, the March 2010 circular issued by Under Secretary K Sail Kumar had said.
The justification for such reservation, officials said, was to ensure that toilets are neat and clean all the time. They also said that the PMO frequently has international visitors and it is important that they can use rest rooms that are clean.
Responding to queries from The Indian Express under the RTI Act, the Environment Ministry said that there are 24 toilets at its headquarters in Paryavaran Bhawan


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Podcast: Play in new window | Download
On this edition of Midway Baseball Today, Mac and Pat welcome in Mark Gonzales, Chicago White Sox beat writer for the Chicago Tribune to discuss the Kevin Youkilis trade. They talk about the recent offensive struggles, the surprising stretch by Jose Quintana and Robin Ventura's handling of the pitching staff. Later they get Cubs fans ready for the debut of number one prospect Anthony Rizzo.
Follow on twitter @MidwayPat and @MidwayMac


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OCT 03, 2013 - Wall Street Journal
A Must Read - Share
Russian potash producer Uralkali expects prices for the fertilizer ingredient to bottom out by year-end.
Editor's Picks
Show More
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Hey you have no friends!!! Get to work and start inviting friends to help build your Comunitee. Click Here to invite friends.
© 2011 Comunitee, Inc.


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Got the license error mid way through the upgrade:
"Looking for a valid license to install...failed to install license.
Failed to install a license - this will prevent your server from functioning properly.
Please contact Zimbra to obtain a license."
So does this mean I have to do this via a the admin console and support portal again?


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Get inspirational Creative and Literacy Activites linked to stories
Then get our FREE Top 10 tips for storytelling here!
Our stories > Deforestation - Pojo Saves the Rainforest
In this rich and colourful tale Pojo finds himself in the rainforests of Costa Rica where he meets Mono a howler monkey, Cedro the sloth, Toco the toucan and has a close encounter with Alfredo the alligator. This story teaches children about deforestation.
Kids will really enjoy making the puppets and acting the noises of all the animals.
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The following story will move Saturday as this week's Sunday Spotlight, a feature showcasing the best off-the-news enterprise in the AP report:
FREETOWN, Sierra Leone — Dr. Sheik Humarr Khan was one of those on the front lines of the Ebola outbreak. The tireless Khan was jovial but forceful, doling out praise and criticism to junior doctors at his hospital. But Khan became infected and died, and so have at least 120 other medical workers in Sierra Leone and in three other countries, creating immediate and long-term impacts in a region that already had an understaffed and underequipped health care system. By Sarah DiLorenzo. UPCOMING: 800 words, photos by 3 p.m., Saturday.
The AP


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A practical guide to Harvard AGPS referencing
NOTE: The Table of Contents allows for easy navigation throughout this presentation. This presentation can be used as a reference resource for Harvard AGPS; although the presentation can be viewed in its entirety.
Copy the permalink below to the summary page or the attachment(s)


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Room Detail
Twyfeling AReserve Compare
Twyfeling is a gracious Cape Dutch style house with a large living room, a library and the hotel's reception and breakfast areas. It has two private, large and light-filled bedroom suites at opposite ends of the house.
Twyfeling A is completely self-contained with an extra length king size bed (twin beds can be organized instead at prior notice). This suite leads out to the lovely garden and the large solar-heated pool. It has a stunning, spacious, glass- roofed bathroom.
The two Twyfeling suites share the pool and garden with the suite Uitsig.
- Non-smoking room
- Free, Fast Wifi
- Good lights for reading
- Free laundry service
- Swimming pool
- TV in room
- Free bar/fridge in room
- Hairdrier available
- Tea/Coffee facilities in room
- Air-Conditioning
- Fans in room
- Heating in room
- Safe in room
- Off-street parking
- Iron Board available


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Software giant Microsoft (Nasdaq:MSFT) walked away from its bid for search company Yahoo (Nasdaq:YHOO) over the weekend to top off what has been a bizarre tug-of-war over the last few months. The shares have dropped dramatically as the deal, which boasted a big premium for Yahoo's shareholders, has been taken off the table. The news surrounding the spectacle still has many unanswered questions, but it seems certain that Yahoo made a bad move by making it difficult to get the deal done.
Background of the Bid
This has been a contested battle, but it never came to blows. Microsoft announced its desire to purchase Yahoo for $31 per share on February 1, 2008. The bid represented a 62% premium to Yahoo shares that were trading at $19 at the time, and immediately sent the depressed stock soaring to just under $30. It also seemed to rescue Yahoo CEO and co-founder Jerry Yang from his inability to create value in the stock.
Despite this good news, Yahoo seemed insulted by the bid and claimed that Microsoft's offer significantly undervalued the company. How dare Microsoft pay only 62% higher than what the shares were trading on the open market? And as I have pointed out before, if Yang is right about the bid being too low, it was just a further condemnation of himself as CEO. The man was obviously very smart and successful in founding Yahoo, but clearly does not have good management skills if the stock is trading this far below its fair value. The war continued until Microsoft CEO Steve Ballmer got fed up and penned a letter to Yahoo in the beginning of April stating that Yahoo should accept the bid by this past week or Microsoft would enact a hostile takeover.
No Hostile Bid, But Plenty of Hostility
Apparently the threats have been just that. After repeatedly saying it wouldn't raise its bit, Microsoft upped the ante $33, which would have been approximately a 70% premium above the February 1 closing price. Yahoo still was not satisfied, and it is reported that the board wanted $37 for the stock. The deadline came and went and Microsoft withdrew its bid over the weekend. As a result, on Monday, the shares closed down 15% at $24.37 from a close of $28.67 on Friday.
The shares gained a little bit during the day, from opening at $23.02, and frankly I am surprised that they are not lower. Remember, the company was trading around $19 before the deal was news.
This all amounts to a bad situation for Yahoo shareholders; $33 seems like a very fair price for the stock - I even thought $31 was good. Now shareholders have back a dwindling stock, and more reasons to be angry with the board and Yang. If the deal shows no signs of resurrection, look out for the lawsuits. (This one fell through, but if you are looking for other possible targets, check out Trademarks Of A Takeover Target.)
Side Deals Fall Flat
The hope is that maybe this was a just another ploy by Microsoft and Ballmer. It could be, but it still marks a bunch of foolish moves from Yahoo management in my opinion. If the bid is truly off the table for good, the company will return to trading on its core fundamentals, which before April were causing the stock to slump lower and lower. Yahoo has tried to work out deals with News Corp. (NYSE:NWS) and Time Warner (NYSE:TWX), but everything on those ends has fallen flat it seems.
The best prospective deal Yahoo has been working out lately is its ad deal with Google (Nasdaq:GOOG). This deal will help, if it works out, but I highly doubt it will be worth $5 per share to Yahoo's stock. Shareholders should hope that there is still some possibility for the Microsoft deal, because a combined Microsoft-Yahoo would pose a better competitor in fields when it goes up against Google. Many questions remain as a result of this news. Will Ballmer come back to the table? Can Yahoo's management show that the shares are actually worth more than the offer? And what will Ballmer do with the billions he was looking to spend on Yahoo? All of these are unclear, and will be revealed in due time. Right now the fate of Yahoo's shares is very uncertain. (For reading on the advantages of smart, aggressive companies, see Competitive Advantage Counts.)
The Bottom Line
Microsoft is backing away from its $33 per share bid for Yahoo. Yahoo shares dropped on the news, but will likely go even lower if it becomes clear that there is no hope of Microsoft returning with its checkbook. The fate of Yahoo's stock is murky, and I would stay on the sidelines as this whole situation has been very unpredictable.


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Although Nokia's Lumia 520 is the most modest new member of the Windows Phone 8 family, T-Mobile seems to trust its ability of garnering a wide audience. That's because apparently T-Mo is in a hurry to make the low-ender available, but also because the 520's launch is rumored to push the six-month-old Lumia 810 out of stores.
Actually, we should call it the Lumia 521 and not the 520, because that's how it will be marketed on T-Mo. But that's not very important. What is noteworthy is the "Uncarrier" is allegedly counting on the fairly humble 521 to cover for the more impressive 810.
Granted, the 810 is no Lumia 920, but, with a 4.3-inch display, dual-core 1.5 GHz processor, 1 gig of RAM and 8 MP rear cam, it's clearly superior to the 4-inch 521, packing a 1 GHz CPU, just 512 MB of RAM and a 5 MP snapper.
Getting back to the "news" at hand, let's mention that we have reason to believe the 521 will make its commercial debut on April 24, with the 810 set to be discontinued a couple of weeks after. The former's price has already been announced – $180 outright – being the only real ace up the thing's sleeve. Still, don't you think the 810's discontinuing would be a hasty decision on T-Mobile's part?
<Source: Tmo News>


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Latest Headlines
Cooler than average temperatures this week.
A company said it has faced challenges since seeking approval to put a care ...
The No. 24 Arkansas baseball team (21-13) raced out to an early lead Wednesday ...
Due to the threat of inclement weather, Arkansas baseball's series opener with ...
FAYETTEVILLE, Ark. (Univ. of Ark.) - The No. 53 University of Arkansas men's tennis team split a doubleheader Sunday afternoon taking the match from St. Louis while falling to No. 4 Georgia. '
Arkansas honored its seniors Mike Ward and Gregoire Lehmann between doubles and singles of the Georgia match. Arkansas's record moves to 13-14 for the 2013 season.
"It has been fun having Gregoire and Mike be a part of this program these past four years," head coach Robert Cox said. "They have both grown a lot and matured tremendously and I am so happy to see them finish strong here on their home courts by clinching the doubles point against Georgia."
In the first match of the day, Arkansas came out strong against the fourth-ranked Bulldogs taking the doubles point. Hall Fess and Santiago Munoz collected the first victory of the day with an easy 8-2 win over Eric Diaz and Marco Nunez. Georgia responded with a win over No. 35 Manfred Jeske and Mike Nott from the No. 41 Nathan Pasha and Garrett Brasseaux, 8-5. The senior duo of Mike Ward and Gregoire Lehmann clinched the doubles point for the Razorbacks and gave Arkansas the 1-0 lead.
Arkansas couldn't transition its momentum from doubles into singles play. Georgia won on courts two, four, five and six to clinch the match. Lehmann and Nott's matches were suspended. Lehmann was in a close match with the No. 11 singles player in the country tied at 4 in the second set. Nott was in his third set after winning the first and dropping the second.
The Razorbacks continued solid doubles play in the second match of the day against St. Louis. Fess and Munoz won on court one 8-4 while Christian Lee and Pete Thomason clinched the doubles point for the Hogs winning 8-4.
The Hogs transitioned to doubles in precise fashion winning the first set on all six courts. Jovan Parlic, Ward, Fess, Lee, Thomason and Austin Robles all collected two-set victories for the Hogs to give Arkansas the clean sweep over St. Louis.
Arkansas will travel to Omaha, Neb. on Tuesday to play a doubleheader with Nebraska-Omaha. The Razorbacks will close out play next weekend on the road at LSU. While in Baton Rouge, La. Arkansas will also play a neutral site match with Jackson State.
#53 Arkansas 1, #4 Georgia 4
Complete Singles Results:
1. Gregoire Lehmann (ARK) vs. KU Singh (UG) DNF 4-6, 4-4
2. Nathan Pasha (UG) def. Manfred Jeske (ARK) 6-0, 6-1
3. Mike Nott (ARK) vs. Austin Smith (UG) DNF 6-4, 1-6, 0-1
4. Hernus Pieters (UG) def. Mike Ward (ARK) 6-1, 6-3
5. Marco Nunez (UG) def. Santiago Munoz (ARK) 6-4, 6-4
6. Garrett Brasseaux (UG) def. Victor Hoang (ARK) 6-3, 6-2
Complete Doubles Results:
1. Pasha/Brasseaux def. Jeske/Nott 8-5
2. Ward/ Lehmann def. Singh/Smith 8-6
3. . Munoz/Fess (ARK) def. Diaz/Nunez 8-2
#53 Arkansas 7 vs. St. Louis 0
Complete Singles Results:
1. Jovan Parlic (ARK) Bobby Kidera (SLU) 6-1, 6-0
2. Mike Ward (ARK) def. Patrick Kella (SLU) 6-3, 6-0
3. Hall Fess (ARK) Joe Flanagan (SLU) 6-1, 6-3
4. Christian Lee (ARK) Luis Flores (SLU) 6-2, 6-4
5. Pete Thomason (ARK) Nishaad Blachandran (SLU) 6-2, 6-2
6. Austin Robles (ARK) Vuk Poledica (SLU) 6-2, 6-2
Complete Doubles Results:
1. Fess/Munoz def. Kella/Flores (SLU) 8-4
2. Lee/Thomason def. Blachandran/Flanagan (SLU) 8-4
3. Parlic/Hoang vs. Poledica/Kidera (SLU) DNF5-3


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No NFC for the iPhone, and here's why
By David Dorf-Oracle on Sep 12, 2012
I, like many others in the retail industry, was hoping the iPhone 5 would include an NFC chip that enabled a mobile wallet. In previous postings I've discussed the possible business case and the foreshadowing of Passbook, but it wasn't meant to be. A few weeks ago I was considering all the rumors, and it suddenly occurred to me that it wasn't in Apple's best interest to support an NFC chip. Yes they have patents in this area, but perhaps they are more defensive than indicating new development.
Steve Jobs wanted to always win, but more importantly he didn't want others to win at his expense. It drove him nuts that Windows was more successful than MacOS, and clearly he was bothered by Samsung and other handset manufacturers copying the iPhone. But he was most angry at Google for their stewardship of Android.
If the iPhone 5 had an NFC chip, who would benefit most? Google Wallet is far and away the leader in NFC-based payments via mobile phones in the US. Even without Steve at the helm, Apple isn't going to do anything to help Google. Plus Apple doesn't like to do things in an open way -- then they lose control. For example, you don't see iPhones with expandable memory, replaceable batteries, or USB connectors. Adding a standards-based NFC chip just isn't in their nature.
So I don't think Apple is holding back on the NFC chip for the 5S or 6. It just isn't going to happen unless they can figure out how to prevent others from benefiting from it.
All the other handset manufacturers will use NFC as a differentiator, which may be enough to keep Google and Isis afloat, and of course Square and PayPal aren't betting on NFC anyway. This isn't the end of alternative payments, its just a major speed bump.


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Richard Colman will be back in the solo mission at San Francisco's Guerrero Gallery next week, with his show Something Better opening on October 16th. After the New Image Art show earlier this year that featured an impressive in-gallery installation, we can't wait to see what Colman has got in store this October.
Tags: guerrero gallery, new image art, october 2010, Richard Colman, San Francisco, something betterPosted at 11:45 am
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Archbishop Demetrios, leader of the largest Orthodox Christian jurisdiction in the United States, compared President Obama to Alexander the Great at a Greek Independence Day celebration at the White House. Politico, noting that the president got "a little unexpected flattery" from the hierarch about his crisis management skills, said the archbishop told Obama: "Following the brilliant example of … [Read more...]
Archbishop Demetrios Compares Obama to Alexander the Great
Ecumenical Patriarchate: American 'Diaspora' must submit to Mother Church
The battle is joined. Highlight: With regards to the United States, the submission to the First Throne of the Church, that is, to the Ecumenical Patriarchate is not only fitting with the American society and mentality but also it opens up the horizons of possibilities for this much-promising region, which is capable of becoming an example of Pan-Orthodox unity and witness. The Mother … [Read more...]
Met. Nicholas on Michigan's Economic Crisis
Greek Orthodox Metropolitan Nicholas of Detroit discusses Michigan's severe economic decline -- caused by the state's close ties to the auto industry -- and its effect on the state's parishes in an interview with the Greek-American newspaper National Herald (available on the Orthodox Christian News site with free registration). To tell you the truth, our people have been affected in some … [Read more...]
Obamakis and Bidenopoulos
Political candidates follow a time-honored campaign strategy of reaching out to ethnic groups and religious communities, and Orthodox Christians have been courted this way for years. It works both ways, of course. Now, little more than a week after the election, we're getting a good look at how politicians and political operatives of Greek descent -- many of them prominent in the Greek Orthodox … [Read more...]
Rebuilding at Ground Zero
The New York Times has a detailed story about the long-delayed rebuilding of St. Nicholas Greek Orthodox Church, crushed when the South Tower of the World Trade Center collapsed after the terrorist attack of Sept. 11, 2001. The Times reports that the rebuilding effort is "a microcosm of the seven-year, $16 billion, problem-plagued effort to reconstruct the entire trade center site." Summary … [Read more...]


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Images: Local military children receive scholarships from commissary
Photo by Lance Cpl. Jorden Wells
Four students recieve a $1,500 scholarship from the Defense Commissary Agency, Fisher House Foundation and Kellogs, Aug. 10. Pictured from left to right, Desirae Seals, Sarah Medlin, Hayley Barber, and Jalayana Miller's mother, on her behalf, received their scholarships based on an essay and their overall academic performance.
This work, Local military children receive scholarships from commissary, by Cpl Jorden Wells, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:08.10.2012
Date Posted:08.20.2012 15:48
Photo ID:648688
Size:5.9 MB
Location:MARINE CORPS AIR STATION NEW RIVER, NC, US
Associated News
Local military children receive scholarships from commissary


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Columbus Police are investigating a shooting at an East Columbus gas station Friday night.
Police said a person was shot at the Speedy Mart in the 3300 block of East Livingston Avenue around 9:15 p.m.
The victim was taken to Grant Medical Center in critical condition.
Police are looking for two suspects.
Stay with 10TV on the air and online at 10TV.com


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1 May 2011
Was reading Wikipedias article on Brian Jones and read that he "played oboe on the Beatles' "Baby You're A Rich Man"' which was a surprise. So looked on wiki's entry for Baby You're A Rich Man as well as Beatles Bible's to see if this was true and there is nothing on either. There is also no mention of this in the books 'Revolution In The Head' or 'The Complete Beatles Recording Sessions' (tho Mick Jagger is noted is noted as attending the sessions), there is also not even a mention of an oboe being on the record.
Does anyone know anything about this? Is it complete nonsense or was he there but his contribution omitted from the song, but then why mention Mick Jagger's attendence but not Brian Jones's?
9 August 2011
I have a recollection of Brian Jones being on some Beatle recording, but I thought it might have been "You Know My Name"
1 May 2011
Yeah, Brian played the saxophone on You Know My Name (Look Up The Number).
Maybe the line about Brian playing on BYARM is to help spot when folk go to wikipedia and duplicate the material without checking their sources.
14 April 2010
The website Songfacts.com mentions it, too. But one site could have copied erroneous info from the other. For my money, I would rather believe the more reliable resources you cited in your fist post.
I love how loud the bass is in this song, BTW.
3 June 2012
Brian Jones did play on "You Know My Name", saxophone to be exact, which was his first instrument before playing guitar. He was not on BYARM. Many people confuse the clavioline for an oboe, but they aren't even close. Somehow the idea that Brian played sax on one and oboe on the other has become a point of misunderstanding in more recent years.
As for Jagger, according to a 1993 interview, he confirmed that he did join in at the end.
You may know that the worldwide broadcast of "All You Need Is Love" took place a few days prior to the BYARM session. Jagger was there, too. So maybe he was invited to stop by during the BYARM session. Shortly thereafter, John and Paul stopped by and did backing vocals for the Stone's "We Love You".
18 January 2011
TomMo said
You may know that the worldwide broadcast of "All You Need Is Love" took place a few days prior to the BYARM session. Jagger was there, too. So maybe he was invited to stop by during the BYARM session. Shortly thereafter, John and Paul stopped by and did backing vocals for the Stone's "We Love You".
Actually, All You Need Is Love was done after the recording of Baby You're A Rich Man (11 May) and We Love You (12 June). The day of the broadcast was 25 June. Check it on the history section of this site.
1 December 2009
Funny how all this collaboration (including Jones' "You Know My Name" saxophone solo) occurred in '67, the same year the Stones & Beatles gave each other shout-outs on their album covers:
I remember George saying 'Blimey, he's always talking about "Yesterday", you'd think he was Beethoven or somebody' - Paul McCartney
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|Bad Day For The Stock Market Ahead... posted Tue Feb 27 2007 15:36:35 by Jaws707
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Johnny Depp and Amber Heard Split: Stars Speak Out After Domestic Abuse Accusations
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California Employment Law
Have California Employment Law Questions? Ask a Lawyer.
Hello and welcome to JustAnswer.I'm very sorry to hear about your situation and hope I can help.Did you make an effort to call WalMart after the two days or did they contact you directly?Have you appealed the EDD's decision yet, or are you just working on your appeal now?
no i did not contact them, nor did they contact me. my last work day was feb 18, and my termination papers were drawn on the 21st. i have not appealed yet as im not sure what my defense will be.
april 1st i received my denial.. now the last day i worked was 2/18/13. on the paperwork given to me, they terminated me on the 21st, stating 3 days of no call no show, but thats actually only 2 days (the19,20 th) that were missed befor my termn papers were drawn..shouldent they have waited till the 22nd?
Hello Tammy,
It is definitely worth appealing your claim, since there is no cost to you, and it's possible that a judge would see your situation differently than EDD initially did.
You have 30 days to appeal your denial that you received on April 1st. On appeal, your employer will allege that you voluntarily quit your job since you didn't show up for work for a few days and failed to request a leave of absence or inform your employer that you would not be present.
Unfortunately, it will be difficult to counteract that argument, but since they only waited two days, it's possible that the judge would think that they did not wait a sufficient amount of time or took no steps to try to talk to you to ensure you were leaving work and were not ill or had other issues that prevented you from showing up for work.
Another thing potentially working in your favor is that you can have good cause for leaving your job if you do so due to marital problems (separation or divorce). Definitely, a physical argument for your spouse would be the kind of thing that would prevent you from working and you can argue that it was necessary to leave in order to deal with your marital issues.
I'm not saying either argument is necessarily a winner, but taken together they may provide a compelling case for you to receive benefits by either proving that you did not voluntarily quit your job, or if you did so, you had sufficient good cause to justify the voluntary quit.
Thanks and best of luck!
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
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What is your job here at FP?
Design Assistant – Coordinator for Knits and Beachwear
What is your current state of mind?
all over the place – lots to do
Who are your heroes?
Anyone who goes out of their way to make a difference or change in the world for the better.
If you could choose what to come back to life as, what would you be?
The most adorable puppy with an awesome owner OR a hippie. I was supposed to be a flower child but I came out high-strung!
What or who is your greatest love?
My bed (it is the most comfortable thing in the world I don't know how I get up every day!) And my dog Ariel & cat Mister Mookie.
Name one thing necessary to your happiness.
Food! Especially Kugel.
And good friends.
What do you hate the most?
Popping gum, mean people, and bad drivers.
What would the name of your band be and what genre? What instrument do you play in this band?
I would be the lead singer because that would be awesome. It's too bad I'm tone-deaf.
What color are you?
bright orange
What is your motto?
What you don't know can't hurt you and If it's meant to be, it will be.
10 quick questions – Jessie
- -February 25, 2009, 1:52PM
cool interview, and her hair is so pretty!
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ClarksvilleNow.com Reporting
CLARKSVILLE, Tenn. – In his newsletter for the week of February 14, Tennessee State Representative Curtis Johnson stated his support for legislation that he believes will create "a statewide support structure that offers in-state tuition rates for veterans pursuing higher education in Tennessee."
The Veterans Education Transition Support (VETS) Act is scheduled for a vote in the House Education Committee next week. It is intended to encourage the enrollment of veterans and to help them achieve higher education.
Currently, recently-discharged veterans relocating to Tennessee must pay out-of-state tuition rates until residency is formally established. Under the VETS Act, veterans enrolling within 24 months of discharge immediately receive the in-state tuition rate when starting college classes, eliminating the issue of residency for those relying on GI Bill benefits. To maintain in-state status and rates, veterans have one year to present proof of established residency, such as a driver's license, motor vehicle registration or proof of employment. Registering to vote also fulfills the requirement.
The Act also creates a "VETS Campus" designation to recognize and promote schools that make veteran enrollment a priority. Institutions that satisfy veteran-friendly criteria such as specialized orientation and the availability of mentoring programs can receive the designation.
According to Rep. Johnson, the economic development component to the program is that it will bring students to the state who will become educated and skilled workers.
The Senate sponsor for the VETS Act is Senator Mark Norris of Collierville. The act has already passed the Senate Education Committee and will soon be scheduled for a vote on the Senate Floor.
For more information about the Tennessee General Assembly, visit the official website


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::Attending Bradley :: Apply Online :: Student Life :: Our Community :: Visit Us :: A to Z :: Search :: Home
Standing tall
Winter 2008 • Volume 14, Issue 1
The innovators of Peoria NEXT I Bradley's connection I The NEXT step in stem cell research I Where progress is showcased I Collaborating with Caterpillar
Bradley's connection
Dr. Peter Johnsen, Bradley's provost and vice president for academic affairs, chairs the Peoria NEXT board. He recalls, "Peoria NEXT began in early 2000 as a conversation in the Bradley boardroom during a meeting convened by [former Bradley president] David Broski, who was interested in promoting collaborative research. As we began to talk about what we wanted to do in our community, we developed a philosophy of how we were going to work. We determined Peoria NEXT's role is to champion a point of view, create new ideas, be a rallying point, but the work is to be done by anchor and partner organizations."
Anchor organizations come from medical, educational, federal, state, and business entities, including Bradley (a list of organizations is on the front page of this article). Though individual interests vary, participants have a common goal: to focus on research and development as a means to stimulate economic development. Peoria NEXT accomplishes this through three strategies: discovery, innovation, and commercialization.
Johnsen explains,"Bradley University played a key role particularly in implementation of the discovery strategy that supports research. Many Bradley faculty members receive seed money for research. The late Ellen Durges Foster '52 made a $1 million gift to launch Peoria NEXT. That money was used for early organizational activities and programs, but the majority continues to be used to promote collaborative research."
He adds, "Our first task to support commercialization was to raise funding for startup companies based on intellectual property coming out of the anchor organizations. We began with spinoff companies like Firefly from Caterpillar and zuChem and iSoy from the Ag Lab."
Discussing Bradley's involvement in Peoria NEXT, Johnsen comments, "Our strategic plan calls for the University to enter into partnerships to provide benefits to the community and society. Many universities have seen multiple benefits from becoming involved in outreach activities. We want to create opportunities for our students and graduates. By partnering, we help each other, but also help ourselves."
The innovators of Peoria NEXT I Bradley's connection I The NEXT step in stem cell research I Where progress is showcased I Collaborating with Caterpillar
More on Firefly Energy
See our Web Exclusive article titled "Where creative sparks fly."


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Foot health is often neglected, although this part of the body works hard support your body every day. Soreness and pain in the legs can occur. The effect, could spread to other body parts such as back pain or dizziness.
As a precautionary measure, you must identify what triggers foot health problem. For that, avoid the following four triggers according to stylelist, so that your feet are always in good health.
1. Wrong shoes
Shoes that do not fit the size or made of coarse material will cause inconvenience. If used in a long time, it not only cause pain on the soles of the feet but also the calf area. Including serious health problems such as stress on the foot bone or plantar fasciitis (inflammation of the tissue at the bottom of the foot). So, try to be more selective in choosing shoes. The main consideration is comfort.
2. Pedicures which are not sterile
Foot nail care in the salon does make it look cleaner. But make sure the foot care equipment in the salon is always in a sterile condition. That's because if the tools are not sterilized, it could transmit germs from other people and trigger an infection of the toenails. If unsure of the equipment in the salon, you should do a pedicure yourself at home. Or after a pedicure at the salon, clean the feet with an anti-bacterial liquid when you get home.
3. Mushrooms and unpleasant smell
Mushrooms and unpleasant smell often occur in the legs. This is usually caused because the foot is always in a closed state and the trapped air is humid. That condition does make fungi and bacteria breed easily. To make sure your feet are always dry before you wear shoes. As a precautionary measure, you can use powder on the feet and shoes to absorb moisture.
4. Exercise
Sport is very good for your health. But the continuous movement during exercise, can cause foot injury. It is very important to adjust the types of shoes and type of exercise you do.
Tags: causes of foot problems, Foot Problems, triggers of foot problems


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|Let NW Operate JFK-AMS posted Tue Jan 4 2005 00:05:54 by Rjpieces
|Why Did NW Choose The A319 & 320? posted Sat Aug 5 2006 06:20:10 by MSPGUY
|What Terminal Did PA Operate Out Of LAX posted Sun Jul 16 2006 03:40:26 by STT757
|Why Did NW, CO, And BN Ditch Their 707s So Early? posted Sun May 14 2006 05:28:57 by Starstream707
|On What Date Did NW Fly Its Last ORD-MSY Flight? posted Tue Apr 4 2006 03:56:03 by TheFlyGuy2
|UA And NW At JFK posted Thu Mar 2 2006 02:00:23 by WDBRR
|Why Did NW Stop Using The DC-10-40 posted Tue Feb 7 2006 03:02:04 by Flywithjohn
|Did AC Operate For Qantas On Tranz Tasmin Flights? posted Mon Jan 30 2006 00:31:14 by Airnz777pilot
|When Did Comair Drop JFK-PHL? posted Mon Dec 19 2005 22:03:31 by Usairways85
|NW Suspends JFK-NRT posted Wed Sep 7 2005 23:09:29 by BigGSFO


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Images: Harlem Globetrotters visit USS John C. Stennis [Image 14 of 23]
Photo by Petty Officer 3rd Class Kenneth Abbate
Harlem Globetrotters' mascot "Globie" plays musical chairs with sailors on the flight deck of the aircraft carrier USS John C. Stennis (CVN 74). John C. Stennis is deployed to the U.S. 5th Fleet area of responsibility conducting maritime security operations, theater security cooperation efforts and support missions for Operation Enduring Freedom. (U.S. Navy photo by Mass Communication Specialist 2nd Class Kenneth Abbate/Released)
This work, Harlem Globetrotters visit USS John C. Stennis [Image 1 of 23], by PO3 Kenneth Abbate, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:12.07.2012
Date Posted:12.07.2012 16:52
Photo ID:796674
Size:1001.92 KB
Location:USS JOHN C. STENNIS (CVN 74), AT SEA


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By Andy Choi
CLIOX-C is a combination of the GPS chip with three-dimensional NanoCompass IC and is capable of equipping tablets, mobile devices and cameras with reality features such as pointing and identifying. By adding the compass functionality to the GPS the capabilities of the system are enhanced with dead-reckoning and tunnel-exit features which help in situations when the GPS signal is interrupted or absent.
The combination of a compass with GPS functions provides location based service which comes at reasonable price and in a compact package. The operation and power management of both the GPS and the compass can be done independently. The GPS system from CellGuide is built on host-based SNAP technology which provides efficient power management and high performance. The compass from Baolab is a three-axis compass built on CMOS MEMS technology. This is the first product of its kind that uses patented NanoEMS technology to develop nanoscale MEMS metal structure that makes use of high volume CMOS lines. Adina Shorr the CEO of CellGuide claimed that the Baolab technology when combined with the NanoCompass IC will provide details on not just the object's location but also how it is oriented. The CEO of Baolab explained that the combination of NanoEMS technology with the GPS system will prove to be an efficient system for designing innovative consumer electronic products.
Source: http://www.baolab.com
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Re: Need a skilled stylist that has reasonable prices
I have fine hair and have gone to many stylists in Berkeley and Oakland over the past 10 years. After a very disappointing, layered $110 cut at a high-end salon, I went to SuperCuts on Solano Avenue. I thought that it couldn't get any worse and at least wouldn't cost me a fortune. Much to my surprise, I *loved* my new cut and have been going to Lan at SuperCuts for the past two years and have not had a bad experience. And did I mention that cuts are $16? Even with a generous tip, I'm spending a fraction of what I used to. In this case, it isn't too good to be true. I don't get my hair colored anymore so can't speak to her skills there, but she has listened to what I want and given me an amazing cut everytime. Contact: Lan, SuperCuts, 1475 Solano Ave, Albany, 510.524.9050 Happy Hair & Pocketbook
Re: Haircut for 11 year old girl
I recommend Supercuts on Solano. My 8 year old loves them. To get the best cut pay to have your daughter's hair washed and let HER talk to them about what she wants. The two of you need to agree at home, but let her direct the interaction. My daughter and I love the results of THIS particular Supercuts. Grown Up Decisions
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One of Breyer's latest models honors the memory of Hickstead Olympic Gold Medalist. Widely considered the number one showjumper in the world, Hickstead was renowned for his brilliant jumping style and competitiveness. This small but great-hearted horse earned two Olympic medals, Best Horse at WEG 2010 and scores of Grand Prix wins with rider Eric Lamaze. "Stix" will always be missed.
List Price:
Dover's Price:$44.99
With this Breyer® Traditional® Horse Trailer in White, two of your Traditional series model horses can go for a ride. This model horse trailer hitches to your Breyer "Dually" Truck in a snap. Realistic features make it fun for play and display!
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Dover's Price:$74.99
What young Breyer ® horse farmer could do without a dually? The Breyer Truck in Burgundy from the Traditional® series is a perfect replica of the most popular shipping vehicle on the road. It's stylish and sharp with rolling tires, working doors, hood and tailgate, rearview mirrors and more. Hitches to Breyer model horse trailer, sold separately.
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Dover's Price:$74.99
Horses and riders will travel in style with the Breyer® Classics® Horse Cruiser! This combination model horse trailer and camper ensures that your horses and figures are comfortable in all of their adventures. Many fun features let the imagination soar!
Dover's Price:$89.99
The Breyer Model Horse Two Stall Wooden Barn is a beautiful home for your Breyer models. The barn is constructed in natural wood, complete with sliding doors and a removable roof.
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Dover's Price:$149.99
Pre-marked model, paints, brushes and instructions.
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Dover's Price:$18.99
The Breyer Show Jumping Oxer Jump is beautifully painted in red and white. Looks just like a life-size oxer, two fences placed together to encourage horses to make a large round jump. A great addition to any Breyer game.
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Dover's Price:$19.99


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UK Immigration Law
Ask an UK Immigration Law Question, Get an Answer ASAP!
for studying
nope i did applied online i put no in every criminal question regardless the fact i had a past in america ...i have my appointment coming soon am i in the good or bad way?
saexual sollicitation (guilty in 09) weed possession (guilty in 2011)
resisting arrest (guilty in 2008). A case i had in 2010 but all charges had been dropped such as: weed possession first and second degree assault disordelery conduct disturbing the peace
does convicted means when you go under programs such as anti alcoholic programs and anti drugs programs? because with all the arrest i had i only been in jail once for 2 weeks then 2 other weeks for the samwe case was in 2010 had a bail bond then charges got dropped in 2010 for all cases ... for 2009 the sexual solicitation i believe i did plaid guilty scared of goin to jail but i confess i was not very guilty at that time i had not a very good level of english i had a class that i took and paid for 300 dollars i thought i would be ok after that. regarding the weed possession case i did a program for that anti drug i went to pi every week at the court then for my court date i was all clean so i just had 16 hours of community service then i believe i had a program of expungment i believe i did everything straight. Sir i stepped out of america not to run away but to remake my vsa because i forgot to renew my I 20 i believe it was a trap too and behind me i left 2 court date once is done and both was for driving without authorized license i was ready to come back with the translated international driver license but unfortunatelly i am not coming back i lost all reference papers for that because i believed i was coming back in america and i heard from somebody that went to hear what the judge would say about it that i have a bench warrant since the 16th i am not a bad person i believe i have a lack of organisation !! the passport i want to use to travel to united kingdom is the regular passport we do ont want to use the diplomatic one because even if its not expired yet my dad does not work for the president anymore i just wish to be a regular citizen like everybody ...and its in my diplomatic passport that i have the american visa even if i went there as a student ... i believe that they may find me because of my fingerprint because when you enter the US you leave fingerprint and picture even if i have the old version of diplomatic passport in gabon please answer me i postponed my appointment for united kingdom for monday still does not know what is the passport i might go with should i just confess everything then use the diplomatic passport that expire in end of 2013 or use the regular passport that i made in august which is a biometric one and pretend that i have never been in america?
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Comments on McGreevey, wife go to divorce court TypePad 2007-04-27T17:26:19Z Miami Herald http://miamiherald.typepad.com/gaysouthflorida/ tag:typepad.com,2003:http://miamiherald.typepad.com/gaysouthflorida/2007/04/mcgreevey_wife_/comments/atom.xml/ shane commented on 'McGreevey, wife go to divorce court' tag:typepad.com,2003:6a00d83451b26169e200df3520f4558834 2007-06-06T09:54:39Z 2007-06-06T09:54:39Z shane http://www.squidoo.com/lensmaster/workshop/FloridaDivorceLawyers That's a great information contained in your site and can suggest a site with a following information relevant to your...
That's a great information contained in your site and can suggest a site with a following information relevant to your site.

http://www.squidoo.com/lensmaster/workshop/FloridaDivorceLawyers
 commented on 'McGreevey, wife go to divorce court' tag:typepad.com,2003:6a00d83451b26169e200d8357d40b569e2 2007-05-02T13:16:57Z 2007-05-24T18:35:05Z I can relate a similar situation that happened personally in my life. How come it's always the husband that's at...
I can relate a similar situation that happened personally in my life.
 How come it's always the husband that's at fault when he comes out? My ex-wife and I dated for 5 years and then were married for almost 26 years.
 I knew I was gay, but wanted to do the right thing for society. We married, had 3 daughters, and thought I had the perfect marriage. I loved her as a woman, evidence being our girls.
 But, our relationship began breaking down 5 years prior to our breakup. Living with her was all a game in trying to control and contridict everything I said. Because of this, my stress level was out of control unknown to me at the time. I came out to my exwife to be fair to her and ease the burden I had been carrying around with me all my life. I told her how much I loved her both as a friend and a lover.
 She seemed to understand and told me that it didn't matter and we would work through it.
 A couple weeks down the road, that understanding became a mind game, with her parents telling her what to do. This is after she outed me to her entire family and our daughters. She then outed me at work, church, and to all our friends. Claiming that she was the victim.
 Three months later she said she wanted a divorce, letting me believe that things were working out. Two days later, during a routine EKG, I had severe chest pains. Turned out that because of the stress and games, I had a heart attack. The cardiologist excused my exwife to the hall and talked to me privately. He said that my heart attack was from stress and that she was out in the hall. He also told me that if I didn't do something about it, I would be dead. Two months later was our 26th anniversary and my ex said that she was sorry and that she wanted our marriage to work. Turns out that it was another game. She said that she had conditions and that she was going to tighten the ball and chain. I had enough lies and games. Turns out that she had been secretly seeing another man long before I came out. At least 2 years before. Some victim.
 When my ex outed me to our daughters, she thought they would disown me and take her side. Long story short, this backfired on her. They still love me as their dad and supported me.
 We've been divorced over 5 years and she remarried her boyfriend 7 months later and is still playing the victim. Our daughters say that's getting old. They are all grown Because they didn't exclusivly take her side and ignore me, my ex is still playing the inocent.
 I have been out for 6 years and couldn't be happier that I can be myself finally. I have been with my partner almost 4 years. Incidently he was married twice to women. My daughters love him as a parent.
 Jim M's exwife is playing this inocent victim routine. They have a young daughter to think of. Jim is still her dad. He and his partner have a positive influence on her life.
 I must say that I stand by Jim. His ex needs to move on and quit slamming him for be honest with her and the world.


text:
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January 4th, 2011
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Cassata High School hosted its 14th annual "Noche de Gracias" on May 3rd at Joe T. Garcia's.
This year's event raised more money than ever before!
During the evening, Chesapeake Energy offered a $25,000 check to help support tuition, scholarships and operating expenses at the school. In addition, Cassata was proud to honor its first ever Spirit of Cassata honoree—Tracy Rector—and was able to award the December 2010 valedictorian with the Spirit of Sister Bonaventure scholarship.
A special Cassata thanks to table sponsors and those who participated in the sponsor a student auction.
To view more event pictures, friend us on Facebook!


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Oklahoma Senate leader focused on legislation to benefit state
THE 2013 legislative session is just weeks away. What do Republican leaders plan to get done, particularly with GOP supermajorities in both chambers? Speeches given Tuesday by House Speaker T.W. Shannon and Senate President Pro Tem Brian Bingman give us some insight.
Bingman, R-Sapulpa, outlined a handful of broad policy goals. But Shannon was more thematic than policy-specific, mounting a vocal defense of federalism rather than unveiling a detailed vision for legislative action.
Bingman placed workers' compensation reform on the front burner, having previously endorsed a shift to an administrative system. "Our business leaders say the number one roadblock to growing jobs and economic prosperity in Oklahoma is clear," Bingman said. "It's a big roadblock — an adversarial, out-of-control workers' compensation system."
He noted the current system is "inefficient, ineffective, adversarial" and "doesn't do a very good job" of helping injured workers. If lawmakers are serious about jobs and economic growth, Bingman declared, "it has to begin with meaningful, wholesale reform of our workers' compensation system."
Those comments show a commitment to tackle one of Oklahoma's greatest economic challenges. It's a big goal worthy of a big legislative majority. Should Bingman succeed, the benefit will accrue to employers and the Oklahomans hired as a result. We salute Bingman for his leadership on this issue.
He also made clear that he wouldn't be an ally of those seeking to roll back education improvements, vowing to "remain faithful to the reforms we've passed." As part of this mission, he urged lawmakers to "faithfully commit to narrowly targeting increased dollars to fund historic education reforms" and ensure additional school appropriations go to the classroom.
This may disappoint those hostile to graduation tests, A-F grading of schools and reading standards that end social promotion of third-graders, but it's good news for the children of the state. Bingman clearly understands that both education reform and funding are important; that how you spend money is as important as how much you spend.
Bingman called for a "thoughtful, reasonable and cautious tax cut," which suggests that this year's tax-cut debate will involve a more modest — although possibly more achievable — rate reduction than those proposed last year without success.
Shannon, R-Lawton, vowed to make increased opportunity and state prosperity his chief goal. Yet he provided few policy specifics regarding how he would achieve that objective. Like Bingman, Shannon called for comprehensive workers' comp reform. He also endorsed tax reform, continued improvement of state pensions, better management of state assets and modernizing education. We'd like to hear more detail about these issues.
Bingman gave the broad outlines of a meaningful, although limited, policy focus, which suggests the Senate is prepared to ride point on the major issues of workers' comp, education reform and school funding. We're still not sure what specific legislative initiatives will truly be championed by House leaders.
Shannon's strongest comments were directed at the incompetence of the federal government. Few would disagree with his critique, but lecturing Washington isn't where the rubber meets the road in state government. Passing legislation in Oklahoma that benefits Oklahomans is what matters.
The Senate appears focused on that goal. For House lawmakers to do the same, Shannon should unveil a clear, specific agenda.


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|Oracle FAQ
|Your Portal to the Oracle Knowledge Grid
Home -> Community -> Usenet -> comp.databases.theory -> Re: Storing data and code in a Db with LISP-like interface
Neo wrote:
> :) OK, I'll just raise my concerns directly rather then verifying them
> via Example C. Below are items that I am concerned will limit Prolog's
> ability to represent things in as general/flexible/systematic a manner
> as dbd for AI-type apps:
> 1) Inability to use functions (not function results) as parameters of
> other functions. For example the following is not possible (or at least
> no one has demonstated it thus far):
> like (john, mary).
> hate (john, bob).
> opposite (like, hate).
> This limitation is very similar to that in RM where new data
> requirements cause a wave of changes in schema, data, scripts, code,
I don't have the prolog skills to demonstrate it, but from what I've seen my guess is that this is quite easy for a skilled prolog programmer.
> etc. Consider what changes take place if the third fact is not
> known/added until after the first two are known/stored/coded against.
Raising the bar - as usual.
> 2) Inability to normalize every thing that is represented. For example,
> the names of things. In Prolog, an atom and it's name are basically
> inseperable. Thus:
ISTM you have a homegrown 'normalize' interpretation.
> 2a) Multiple names for a thing will not be represented systematically.
Not by itself - that would be magic. If two names refer to one thing are this should be told or inferrable.
> 2b) A thing with no name will have to be given a name anyway such as
> no_name.
> This is similar to the NULL problem in RM. Now the the andriod
> will think a thing's name is actually no_name unless additional rules
> are added. If handled as such, what if droid actually encounters
> something named no_name? And how to handle additional unnamed things?
> no_name2, no_name3, ...?
I found this: http://gollem.science.uva.nl/SWI-Prolog/Manual/gensym.html Is that what you mean?
> 2c) Two atoms can't have the same name so the atoms for cat and person
> named mary might be mary_cat and mary_person and this leads to
> redundant data as shown below. I won't explain the pitfalls of
> redundancy as volumes have been written on it already with respect to
> data mgmt.
> cat (mary_cat).
> person (mary_person).
Neither RM nor prolog have difficulties because people tend to
name both cats and people mary.
I can see that it poses a problem to a droid how to distinguish them if someone refers to mary. Heh - I've seen people making mistakes on this one. Context matters.
> 2d) It does not appear to me (or actually I didn't get to verify this
> via the example), that the name of an atom is not stored in Prolog's
> fundamental data representation methodology.
like(john, mary).
hate(john, bob).
opposite(like, hate).
?- current_predicate(neo/2).
> In comparsion when dbd represents a person named john, consider what it
> actually does:
> 1) Creates a thing to represent the string 'john' where elements of the
> string reference the one an only instance of each symbol in db. Things
> to represent each symbols are entered in db by dbms when file is first
> opened.
> 2) Creates a thing to represent a word. The word is related to the
> string created above.
> 3) Creates a thing to represent the person john. It is related to the
> word created above.
> Thus when one sees the "john" in dbd script, it is translated to
> approximatley the following query:
> (first (select (first (select (select 'j' 'o' 'h' 'n') symbolizes *))
> nameOf *))
Received on Sat Apr 29 2006 - 18:15:35 CDT
Original text of this message


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LONG BEACH, June 26.
Day 1 – 23 June Group RESULTS
Long Beach, CA –
All eight Olympic women's water polo teams started up their Athens preview in Long Beach, Calif., on Wednesday, with (Game Four) the gold-medal favorite United States squad pocketing a solid 10-4 win over Kazakhstan on the first day of the FINA Women's World League Super Final per staff reports released by USA Water Polo. The tournament runs June 23-27 at the Charter All-Digital Aquatic Centre in Long Beach.
The FINA World League calls for nine-minute quarters, making the game a good eight minutes longer than a typical international game. After 27 minutes of play, the well-conditioned and balanced Team USA had the game in hand and plenty left in the tank as it cruised to the largest margin of victory of opening night in front of 1,695 fans. "We did well with the conditioning aspect of the game," U.S. coach Guy Baker said. "But we'll be able to get a better grasp of that as the week goes on."
Team USA opened things with a 5-on-6 stop care of U.S. goalie Nicolle Payne (Cerritos, CA/UCLA/New York AC) and then struck with a sharp counterattack goal by Brenda Villa (Commerce, CA/Stanford/Commerce) in front of the cage off a pass from Natalie Golda (Fullerton, CA/UCLA/New York AC) at 6:05. Kazakhstan got on the board at the 3:45 mark after a pass out from set to Irina Tolkunova, making it 1-1. Ellen Estes (Novato, CA/Stanford) boosted the USA back ahead by getting to the ball at two meters and flipping it across the goal line with 49 seconds remaining in the first quarter.
The U.S. women got off to a good start in the second quarter by converting its first 6-on-5 chance with a score by Margie Dingeldein (Merced, CA/Stanford) off a pass from Ericka Lorenz (San Diego, CA/UC Berkeley), but their next power play failed on a bar-out. A Kazakh turnover fed into a potent U.S. counterattack that culminated in a near-side score by Thalia Munro (Santa Barbara, CA/UCLA) off a pass from Villa, making it 4-1 USA with 2:43 to go in the half. Robin Beauregard (Huntington Beach, CA/UCLA/New York AC) let fly a catapult of a shot from the perimeter with 14 seconds left, and nailed the upper left corner for a healthy 5-1 U.S. lead for the second half.
Lorenz ballooned Team USA's lead to 6-1 with a rocket 6-on-5 score taken waist-high from the top. Kazakhstan finished off a power play of its own a minute later to put the score at 6-2 USA until Golda blazed in an even score to put some more wind in the United States' sails. Golda tallied her second to open the fourth, grabbing her own rebound and then drilling in a score from two meters out for an 8-2 USA lead. Estes then took it upon herself to do a little more damage, drawing an ejection on the counterattack and then finishing off the power play from set to notch her second on the night. Kazakhstan posted a pair of 6-on-5 scores in the fourth quarter to match the USA's pair, though Team USA had one more counterattack left in it. Villa hit Amber Stachowski (Rancho Santa Margarita, CA/UCLA) on the counter, and Stachoskwi deposited it in the back of the net for the 10-4 lead with 35 seconds left.
Team USA and Kazakhstan will be in opposite brackets in Athens, but the next match-up against Russia presents an important preview of a feisty bracket-mate of Team USA's.
For more information on Team USA, go to http://www.usawaterpolo.com/.
Box Score
Team USA 2 3 2 3 — 10
Kazakhstan 1 0 1 2 — 4
Individual Scoring
Team USA: Golda 2, Estes 2, Villa 1, Dingeldein 1, Munro 1,
Beauregard 1, Lorenz 1, Stachowski 1
Kazakhstan: Gritsenko 3, Tolkunova 1
Goal Saves
Team USA: Payne 7
Kazakhstan: Rytova 9
Player Advantage Scoring
Team USA: 4 for 9
Kazakhstan: 3 for 8
Game One
Italy 6, Hungary 4: No. 5 Hungary proved some stiff competition for the No. 2 Italians in the opening match of the day. There was little scoring in the first half, thanks to a number of field blocks and stifled power plays on both ends. By the third quarter, offense picked up, though the game remained tight until Italy eventually broke away in the fourth quarter. The Italians took a two-goal lead in the fourth quarter, and warded off Hungarian comeback attempts to secure the win.
Box Score
Hungary 1 0 2 1 — 4
Italy 1 0 3 2 — 6
Individual Scoring
Hungary: Szremko 2, Steiber 1, Valkai 1
Italy: Zanchi 2, Grego 1, DiMario 1, Allucci 1, Musumeci 1
Game Two
Russia 11, Greece 8: No. 3 Russia's two-meter play, sharp passing and early 6-on-5 opportunities lifted it to a comfortable lead in the first half over ninth-ranked Greece. Russia was 3-of-4 on player advantages in the first half and added a few even scores to that effort for a solid 6-1 lead for the second half. Greece ate into the lead in the third, but couldn't overcome the Russians down the stretch. Russian goalie Valentina Vorontsova was also a force in the cage, turning away a hefty 13 Greek shots before giving way to Natalia Kutuzova in the fourth quarter.
Box Score
Greece 1 0 4 3 — 8
Russia 3 3 2 3 — 11
Individual Scoring
Greece: Kozompoli 2, Moraiti 1, Asilian 1, Oikonomopolou 1, Roumpesi 1, Karagianni 1, Melidoni 1
Russia: Salimova 4, Konukh 3, Bogdanova 1, Vasileva 1, Smurova 1, Petrova 1
Game Three
Canada 12, Australia 11: The world's No. 7 team, Australia, put the No. 4 Canadians on the ropes in the first quarter, thanks to a pair of goals from Elise Norwood. But Canada responded with stiffer defense and some sharper offensive production to pull within one for the fourth quarter and then tie it up to turn up the pressure in the final four minutes. Elise Norwood had three goals for Australia by halftime, almost single-handedly boosting the No. 7 Aussies into early control against the No. 4 Canadians. Emma Knox backed things up for Australia with some stubborn goalkeeping, but the Aussies' two-goal lead melted away in the fourth quarter. That brought up a penalty shootout, where five shooters from each team took turns taking shots from five meters out — according to FINA World League rules. The score remained tied after the first five shooters, bringing up a sudden-death round. Melissa Rippon led things off for Australia, but Canadian goalie Whynter Lamarre got a hand on this one, and blocked it out for a save. Valerie Dionne was Canada's shooter, and she slotted her shot past Knox to give Canada the win at 12-11.
Box Score
Australia 4 1 0 1 — 5 — 11
Canada 1 2 1 2 — 6 — 12
Individual Scoring
Australia: Norwood 3, Cuffe 2, Heuchan 1, M. Rippon 1, Brooks 1, Castle 1, Fox 1, Gynther 1
Canada: Dionne 4, Campbell 3, Dow 2, Dewar 1, Begin 1, Arpin 1
Points Table — Day One
Group A Standings Games Win Loss Tie G + G – G.D. Pts.
Russia 1 1 0 0 11 8 +3 3
Greece 1 0 1 0 8 11 -3 1
Kazakhstan 1 0 1 0 4 10 -6 1
Group B Standings Games Win Loss Tie G + G – G.D. Pts.
Italy 1 1 0 0 6 4 +2 3
Canada 1 1 0 0 12 11 +1 2*
Australia 1 0 1 0 11 12 -1 1
Hungary 1 0 1 0 4 6 -2 1
• — FINA World League rules assess 2 points for a win via shootout, 3 for a regulation win.


text:
אנחנו בפייסבוק
Week after 13-year-old youth's death in Gush Etzion terror attack, clash erupts between Bat Ayin settlers, residents Khirbat Safa village. IDF forces dispatched to area, open fire at stone throwers. At least 16 Palestinians hurt, one sustaining critical injuries; Israeli citizen lightly injured
Ali Waked
Published: 04.08.09, 09:40 / Israel News
Ali Waked
Tensions high in West Bank: At least 16 Palestinians were injured Wednesday morning during a clash which broke out between settlers and residents of the West Bank village of Khirbat Safa, near the Bat Ayin settlement. An Israeli citizen was lightly hurt in the incident.
Last Thursday, a 13-year-old youth was killed
in a terror attack in the Gush Etzion community. His family ended its seven days of mourning Wednesday morning.
IDF forces dispatched to the area in order to disperse the crowd opened fire. According to the Palestinians, the soldiers failed to do anything to stop the firing and rioting. The Palestinians further claimed that the security forces were making it difficult to transfer the injured to hospitals.
According to Palestinian sources and hospitals in the Hebron area, 16 people were injured in the incident, one of them sustaining critical wounds. Dozens suffered from smoke inhalation.
The IDF appealed to settler leaders to try and calm things down. Simultaneously, the Civil Administration inquired whether Palestinian medical teams were in need of aid.
However, the Palestinians claimed that settlers were still rioting on the premises and that IDF soldiers were still using tear gas on the crowd, as well as firing on it. Local mosques reportedly broadcast calls for help.
The IDF said in a statement, "The force dispatched to the area in order to separate between the sides used crowd dispersal means against the Palestinians. When the stone throwing became particularly massive, the force's commander ordered his soldiers to fire at the lower part of the body of the main inciters."
Army officials noted that according to Palestinian reports, four people were injured by gunshots in the lower part of their bodies and several others inhaled smoke. The investigation into the incident continues.
A resident of Beit Omar told Ynet that according to his relatives and reports from local mosques, at least 30 armed settlers attacked houses and cars, assaulted residents and fired in the air. He added that the residents were also facing soldiers and police officers firing tear gas at them.
The Palestinians added that ambulance were standing at the entrance to Khirbat Safa and were unable to get in. "There is a lot of smoke in the air and shouting, but the extent of the damage is unclear to the residents who shut themselves up in their houses. I heard that at least 10 people have been injured."
Last week, a Palestinian assailant entered Bat Ayin with an axe, killed 13-year-old Shlomo Nativ and lightly injured a seven-year-old boy. Following the attack, the IDF held an extensive search in the area, but failed to locate the attacker. During the search, the forces encircled a house in Khirba Safa.
Following the attack, several officials expressed their fear that the settlement's residents would seek revenge. According to the community's rabbi, however, the settles did not discuss this possibility.
"I didn't see any anger. I saw pain. The only response to the murder of our sons is to add one community after another and cause deterrence. I don't know what is going on in my friends' hearts, I'm not God, but I believe everyone agrees about this. I did not hear one word about taking revenge," Rabbi Daniel Cohen told
According to the Palestinians, the riots began on Monday night, when armed settlers arrived at the village,
caused damage to their homes and fired in the air. The IDF said it had searched the area following a complaint of gunshots fired in the air, near the entrance to Khirbat Safa.
Bat Ayin settlers rejected the report. "This is complete nonsense. It never happened," said the community's security officer, Yaakov Morag.


text:
Jacob Susman
CEO/Vice President, Head of Origination
Jacob Susman has been building businesses, investing, and developing projects in renewable energy since 1999.
Jacob has led OwnEnergy since its inception, including recruiting and managing its industry-leading team, raising capital, establishing a nationwide brand, sourcing new business, developing projects building customer relationships and generating revenue. Currently, Jacob plays a critical role in overseeing OwnEnergy's day-to-day operations, while fostering its close-knit culture and directing its long-term vision and strategy. He also manages key customer, supplier and capital-provider relationships.
Jacob is an active member of the Board of the American Wind Energy Association and is active in a range of national wind industry and policy initiatives. In 2010, Jacob was named to Crain's New York '40 Under 40', and in 2012, he was named an E&Y Entrepreneur Of The Year Finalist. In 2013, Greentech Media named Jacob one of New York's Top 10 Cleantech Leaders.
Before founding OwnEnergy, Jacob was a founding member of Goldman Sachs' Alternative Energy Investing group, where he was involved in Goldman's investment in Horizon Wind Energy and co-led a portfolio financing that was named Project Finance's N.A. Renewable Energy Deal of the Year. Prior to that he served as Project Manager for the AES Corporation, working on a team that developed one of the largest power plants in Spain—named European IPP of the Year by Euromoney.
Jacob holds an MBA from The Wharton School of the University of Pennsylvania. An avid skier, he lives with his wife, Jodi, and two daughters in Brooklyn, New York.


text:
Immigration Law
Ask an Immigration Lawyer. Get an Answer ASAP.
I assume you are either writing a character reference letter or a letter that attests to you knowledge that the marriage that your friend has entered into is a valid one not entered into for the purposes of obtaining an immigration benefit.
In either case, you will want to start off with "Dear CIS Officer:" You will want to put your name, your address, your status in the U.S. and how you know your friend and how long you have known your friend. You may want to add a photocopy of your drivers license to that the immigration officer reading the letter knows you are a real person.
If it is a good character letter, state the reasons why you believe your friend has good moral character. If you can, give specific examples.
If it is a letter about the marriage, explain what reasons you have to believe it is a real marriage. Do you go double dating? Do you hear them fighting? etc. etc. Again, try to give specific examples.
The more specific and detailed the letter, the better. Good luck!
You can if you like. Try to put things that are facts first, things that you have seen with your own eyes. Then after, you can put your opinions based upon the facts that you listed.
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