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Through the first two and a half months of 2012, the S&P 500 has gained 12% traded at the best level in four years. The bullish action has given investors a reason to be giddy again and exciting about buying stocks and ETFs. (For more, see How To Pick The Best ETF.)
Investopedia Markets: Explore the best one-stop source for financial news, quotes and insights.
The one problem with the current positive attitudes is that investors are just now beginning to warm up to stocks again. I do not believe they are too late to make money in stocks, however, considering the S&P 500 is up 28% from the October low, the index is overdue for a pullback.
The recent intraday high for the S&P 500 was 1414 before a few days of selling began this past week. According to the charts and the sentiment, it appears the index and the overall market is due for a pullback. The support level on the S&P 500 is 1360-1370 and could be the next level to begin buying. A pullback to the support level would represent less than a 5% sell-off, well within a normal bull market pattern.
Investors looking to put more cash to work in the stock market should be ready in the event the pullback occurs as I predict. Four ETFs that could be attractive buying opportunities after a market sell-off are listed below.
The Vanguard Information Technology ETF (ARCA:VGT) invests in 413 stocks that focus on computer hardware, software, semiconductors, etc. The largest holdings are the who's who in technology; Apple (Nasdaq:AAPL), Microsoft (Nasdaq:MSFT) and IBM (NYSE:IBM). The ETF is up 20% in 2012 and is past due for a pullback to support near $70/share. The ETF is low-cost with a 0.19% expense ratio and pays a SEC yield of 0.82%.
The Market
Investors that do not want to attempt to pick a sector, but want to participate in a stock market rally in the U.S. should turn to the SPDR S&P 500 ETF (ARCA:SPY). The very low expense ratio of 0.9% makes the ETF that tracks the popular S&P 500 index conducive to all investors. The yield on the ETF is 1.9%, not much below the yield on the 10-year Treasury bond. Similar to VGT, the ETF needs to pullback and the support to watch is at the $136 area.
One of the best-performing and most attractive charts for an international ETF is the iShares Philippines Investable Market ETF (ARCA:EPHE). The 22% gain in 2012 should keep investors away from chasing performance and buying today. But if the pullback comes, it will likely send EPHE back down to support near the $26.50 area. The ETF is made up of 38 stocks and charges an expense ratio of 0.59%. Approximately 40% of the ETF is invested in financial stocks, followed by another one-third in the industrials and utilities. EPHE is considered above average risk for most investors and caution should be taken.
Investors that want even more risk can turn to a leveraged ETF that implements a spread strategy. The FactorShares 2X S&P 500 Bull/T-Bond Bear (ARCA:FSE) will seek to establish a 200% long position in the S&P 500 and the opposite in the U.S. Treasury bond futures. Basically, the bet is that stocks will rise as U.S. bond values fall. The ETF was up as much as 31% in 2012 and is an extremely aggressive, short-term trade.
The Bottom Line
There are two important factors that will increase the probability of making money on a pullback. First, be patient and wait for the market and the ETFs to pull back to the support levels. Second, after purchase, place a stop-loss order to protect against a continued sell-off that could lead to big losses on the new investments. (For additional reading, check out 5 Must-Have Metrics For Value Investors.)
Use the Investopedia Stock Simulator to trade the stocks mentioned in this stock analysis, risk free!
At the time of writing, Matthew McCall did not own shares in any of the companies mentioned in this article.


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MYOB Accounting Software
Download and Review
|Acclivity LLC
|Shareware / 30-day trial
|User Rating:
|(82 votes)
|Offical Website:
|Windows and Macintosh
Latest Version
MYOB Accounting Review
MYOB (MYOB is now Acclivity LLC) provides small business accounting software solution which is available for both Windows and Mac users. Providing solution from simple to completed financial management and business accounting needs. The software is designed into several different packages:
- There are two packages for Window users as MYOB BusinessBasics and Premier Accounting. MYOB BusinessBasics is for small business that needs simple accounting software. Premier Accounting is designed for user who needs full featured accounting software.
- For Mac users, there are also two packages available, MYOB FirstEdge and MYOB AccountEdge. FirstEdge is for essential accounting and AccountEdge is for completed accounting needs.
The company also offers various add-on solutions such as Daylite AccountEdge Connector, Custom Reports for Premier Accounting and so on to add more power to accounting software package. These are key modules: General ledger, Banking, Sales and Receivables, Purchases and Payables, Time billing, Payroll, Inventory, Contact management.
User Experience with MYOB Accounting
To add more useful information for other users, if you ever experience using the MYOB Accounting program before, you can write a short review about your experiences with software and share it in the following section:

subset: commoncrawl


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Make your next purchase with SkinStore even easier on your mobile device or desktop. With My Payment Methods you can now save your payment information to your account profile. Add as many cards to your profile as you wish and set one as your default card for quick and easy purchasing. Manage your payment methods in your My Account — change your default card, update expiration dates, billing or shipping addresses and more. For your security, payment methods will only be saved during checkout. Find My Payment Methods in your My Account Menu, along with all of your other account management tools like My Products, My Orders and My Code.
Store and manage your credit card information through the checkout process for easy mobile and desktop use with your next purchase.
Your default card will be waiting for you at checkout. You can also choose another card in your profile to use or add a new one on the fly.
Manage all aspects every card in your profile from your My Account including addresses, expiration dates, and names or changing your default card.
There is no limit to the number of payment methods you can store in your profile and you can delete any method just as easily!
Ready for faster and easier checkout no matter how you shop? Check the "save" box and your payment method will be ready for next time; whether you're at home or on the go.


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Edition: 9th
Author(s): Olsen, June L.; Giangrasso, Anthony P.; Shrimpton, Dolores; Dillon, Patricia
ISBN: 9780131134799 / Paperback w/CD / 1/1/2008
Marketplace Disclaimer:
Edition, Cover Design, etc may vary from the eCampus.com description. Please refer to the seller's comments before ordering. Marketplace sellers are required to ship by the end of the 5th business day. Items are not returnable to eCampus.com. Orders cannot be cancelled by eCampus.com.


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The Center for International Business and Economic Studies (CIBES) is structured to "serve as a resource center for business organizations and the community at large," to assist the Bertolon School of Business and Salem State in "preparing students for careers in a global economy," and to provide "an environment sensitive to a diverse population," as quoted in the missions of both the school and the university. CIBES has a two-fold mission. It develops and promotes international business and economics academic programs and curricula. It also assists small- to mid-sized businesses in the region in exporting their products and services to other countries and/or importing what they need.
The following objectives are being pursued by the center:
- Respond to the need for internationalization of the business curricula by developing and promoting international business- and economics-related courses and programs. This action coincides with public mandates reflected in AACSB International, the U.S. Department of Education and the Presidential Council on International Education and Languages recommendations.
- Act as a resource center for the small- to mid-sized businesses in the North Shore area interested in exporting their products and services to other countries, and/or importing from foreign nations
- Stimulate awareness of global business and economic activities in the region and at Salem State by sponsoring seminars, workshops and other related activities
- Encourage exchange and foreign studies programs for students and faculty in business administration and associated fields in concert with the Center for International Education.
- Develop a working relationship with local, national and international public and private organizations
- Encourage relevant research that will enhance consultation with private and public organizations
For additional information, please contact Dr. James (Jian) Gu, professor and executive director.


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Comment posted.
brianline says What a beautiful memory book! It is an honor to be part of it. That trip was a little heaven on earth for me. The fellowship and friendship ripples into eternity. I miss you two. Our spirits share a calling to adventure. It was great to see Courtney's ballet too! Most sincere blessings upon you and your families. Brian & Diana
posted at 05:22PM Sep 02 PST
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Family Treasures - 2012 Published February 23, 2013
HHS Class of '61 - 50th Reunion Published October 26, 2011
Alaska Published August 29, 2011


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So I took the bike to the mall the other day. It's probably about 1/4-1/2 mile each way. I couldn't make it. The little hill killed me, each way.
Today I woke up at 6am, with the expectation that I would ride 30 minutes. I made it 7 minutes total
I guess my goal on Thursday is 8 minutes.


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With everyone and their mums shooting films in 3D these days, Robert Rodriguez, one of the first filmmakers to use the format, is going the extra mile for his re-boot/sequel to his family franchise, "Spy Kids: All The Time In The World" -- the film was promised to be in '4D,' and it emerged that that meant that film would be presented in Aroma-Scope, a new take on the Smell-O-Vision concept, not seen since John Waters used it on "Polyester," with scratch'n'sniff cards being given to audience members, with on-screen prompts enabling them to smell exactly what the audience are smelling.
A new trailer has landed for the film over at Yahoo, with literal demonstrations of both the 3D and the Aroma-Scope, sure to make kids get the message. Otherwise, things are much the same as the first clip: plenty of relatively low-budget action, plenty of gags for the kids, a hint of Billy Ray Piven, the film's villain, and Joel McHale wishing he was anywhere else but on set. But again, it's not for us, and we're sure kids will eat up the novelty aspects, and the Ricky Gervais-voiced kung-fu robot dog. And we have to confess, we did laugh at Jessica Alba's first line.
As for Aroma-Scope, it's worth remembering that Rodriguez was way ahead of the curve: by the time "Avatar 3" rolls around in 2015, maybe James Cameron will have sunk millions into a premium version of the technology, and then 2017 will see every tentpole using some kind of smell technology? Or not. "Spy Kids: All The Time In The World" hits theaters on August 19th: watch the trailer below, or in HD over at Yahoo.


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Dancing With The Stars
Dancing With the Stars Season 17: Indy 500 Champion Tony Kanaan to Dance?
Dancing With the Stars Season 17 is still a month away, but that hasn't stopped the casting rumors from circulating. Paula Deen is all anyone has been able to talk about lately, but recently Hollywood Life added another name to the possibles list: Indy 500 champion Tony Kanaan.
The 38-year-old Brazilian racing whiz told Hollywood Life that he's "in talks" about joining the show, adding that "if it's the right time, I'll definitely accept it and go try it." If his word is anything to go by, it sounds like he might be a strong contender for a spot on the ballroom floor.
Obviously, race car drivers have had success on the show in the past — Helio Castroneves (who also happens to be Brazilian) won Season 5, and came back for All-Stars (where he fared less well).
We'll be honest: We don't know a ton about Tony. However, if he can bring the same combo of charm and talent that Helio did, we'd be happy to see him give dancing a shot! He later told the Indy Star that he met with a casting coordinator, but nothing is official until the September 4th cast announcement on Good Morning America.
Would you want to see Tony on Season 17? Sound off in the comments below.
Sources: Hollywood Life, Indy Star
Rebecca Martin is an editor at Wetpaint Entertainment. Follow her on Twitter @BeccaDMartin.


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Since acquiring the license for Formula 1 in 2009, Codemasters has released some really impressive racing games. The games always had would have something holding them back, rather it be bugs, A.I. issues, or graphical problems. Now, after two major releases, they seem to have finally got a masterpiece on their hands. F1 2012 is the complete driving experience that any F1 fan has been looking for.
Some people might feel as if this game lacks in modes, but it's more important to have less modes that you would actually play, rather than fluff modes that you won't. Introduced in 2012 is the Young Drivers Test. This is a skills test designed for you to complete and this helps determine what teams you can start your career out with. You cannot go straight to the top and choose Red Bull or Ferrari, but you do get up to six teams to choose, if you're that good. The Young Drivers Test is a real race event that F1 holds for developmental purposes.
There are a few other modes. Obviously, the career is the bulk. You start on a lower tier team and work your way up to winning championships. There is a season challenge that allows you to do a quick season where the races are only a few laps a piece. No practices or qualifying, straight races and winning. The Champions Mode offers unique one on one objectives with the 6 former champions who are currently in the sport. Couple these things together, and you have little more meat on the bones in comparison to the past.
Graphically, F1 2012 is the best in the series. The PS3 version is finally up to par with the other versions now. In comparison to last year, that version ran at a bad frame rate and the details on the track lacked way behind the other versions. The cars are equisitely beautiful this year, and the detail on the tracks is great. The better framerate has helped to issue in a greater sense of speed that you'll notice immediately. Of course this is something everyone will get use to, but the immediate impact is gratifying and gives a new feeling to the game. Codemasters included six camera views this year along with the best cockpit view in any racing game.
Continuing with the look of the game, the menu has been overhauled. Gone are the days of the paddock and trailers. Now, the menu interface is super glossy and has the look of something straight out of a museum. A few other presentation aspects have improved including an audio pre-race that gives a brief summary of the track, and an improved post-race. The sound in the game has been overhauled as well. The cars sound loud and crisp as Codemasters has redone the sound. The engines on the cars have never sounded better.
I've seen other reviews that claim the car handling is unchanged. This couldn't be less of the case. Codemasters reworked the suspension physics in the game and F1 2012 cars finally give the best representation of the handling of the cars. 2011 overexagerrated a lot of the elements of the handling and it was tough to take normally fast corners without spinning out. The cars are very light and floaty and tough to get a grasp on when entering into a corner. Couple that with the discipline needed to leave the corner, you can gain confidence, rather than randomly spinning out. In case you do spin out, flashbacks do return if you want to go down that road.
The A.I. has improved, along with their lap times. Not everybody runs into each other now on first corners on certain tracks. There seem to be no game killing bugs this year either, such as the computer not pitting. The computer runs at a good pace during the race as well, and it's great to see the A.I. use the DRS against you and see how fast they come up on you and pass you. New this year is dynamic weather, which makes a huge difference when it happens. This involves tire strategy or increased driving ability through the part of the track that's raining.
There are still a few online modes, but they are unchanged. Co-op season championship returns and online races, but that's mostly it. It's time this got an overhaul. Local multiplayer returns too, but you cannot do a co-op championship. They need to look to add that next year along with better support for leagues as these all seem forum based. There are a few race options that have been added, but the online experience needs an update.
Graphics: 9 - The car models and tracks for 2012 are the best in the series. The PS3 version is on par with the others as well.
Presentation: 8 - The menu overhaul worked out sell. It's very beautiful as it seems like something straight out of an F1 museum. Improved touches to pre-race and post-race help as well.
Sound: 9 - The sound was redone in the game and the result is the best sounding engines I have ever heard. Couple that with an excellent soundtrack and voiceovers and the sound is well done.
Gameplay: 9 - The suspension physics were redone and the results are a better feeling car. Mix the improved handling with the new sense of speed and this provides an excellent experience. The A.I. has also improved and there are minimal bugs in the game. The new dynamic weather is a nice touch as well.
Online: 6 - There's still a few modes to choose from, but online is unchanged from last year. This needs an overhaul, but the online modes that are there are still fun.
Replay: 8 - If you're an F1 fan, you're going to keep playing this game until the next one. A few other modes will give you the option to try something else. Add to that, local multiplayer and racing online and there's something to come back to.
Bottom Line: 8.5 - The third time is the charm for Codemasters. F1 2012 does everything right and helps provide the ultimate F1 experience so far. For newbies, there will be a challenge involved and it will seem different, but that has been the case with all the games, and that helps set the bar for the sense of reward involved when you succeed.


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Mixed Company®
Mixed Company is written by Saint Paul Sunday staff, giving you a behind-the-scenes look at the show and the classical music they love. We welcome your online comments.
November 17, 2006
"...and your little dog too!"
Every ensemble that I have had the pleasure of meeting through Saint Paul Sunday has had a hidden talent, hobby or interest that makes them all the more engaging and adds nuance to their character. Be it Helene Grimaud's connection to wolves or Claude Frank's playful reenactment of the 1940's film Song of Love, it seems like all our guests have something more to offer to than just music. OPUS ONE is no exception. Its members are jokesters, story tellers and purveyors of knowledge who kept us listening, eager for more insights into their world.
There's another little tid-bit of information about OPUS that I almost forgot to mention - Anne-Marie's cuddly white dog, Samantha. Throughout the session, Little Sammy sat with her ears perked up, appearing to enjoy the music just as much as the Saint Paul Sunday staff.
It's funny how observing that little dog's self-discipline as she sat still through the recording session made me realize what a dedicated group of musicians this is. There is no question that Samantha is Anne-Marie's pet, because she embodies the quiet grace and discipline of Anne-Marie and the rest of the group. Each piece OPUS ONE takes on, whether it's new music by Tsontkakis or a classic work by Mozart, is as full of character as OPUS ONE's members, and is executed with great attention and discipline that only they can give it.
Posted by Chris Danforth at November 17, 2006 11:04 AM
saint paul sunday is still my favorite show and though be it somewhat emotionally co-dependant, it has stayed my pillar of strength during the 80's, up through to the present. i am temporarily in Paris and neither the louvre, musee d orsay or salle pleyel concert hall can replace the gratification and the joy, that saint paul sunday gives/has given me each week. from my first college sweetheart to the final years of a perennial graduate education, saint paul sunday has remained consistent. thanks for being there. peace, reuven
By Reuven Lewis at November 19, 2006 3:26 PM
Thank you for convincing Master Claude Frank to appear on Saint Paul Sunday.
Our creator had a special plan for him, to keep him safe throughout all He did.
Hal Mandel
By Harold Mandel at November 26, 2006 11:54 AM
Emil Gilels Beethoven I liked much better. Last thing I want to hear besides "Die Winterreise" with Thomas Quasthoff.
Thank you.
By mady sharma at November 26, 2006 12:41 PM


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Special Menus Offered at the Eldorado for Safari Club International, Available January 22-26
If you're looking to eat on the wild side, look no further. Exotic specialty dishes are being created for memorable meals at Roxy, La Strada and The Prime Rib Grill, available January 22-26.
Guests will find five menu additions; including, pancetta wrapped rabbit loin with white truffle infused white bean soup and arugula pesto for $11; BBQ Texas jumbo quail with balsamic glazed Treviso radicchio and cipollini onions for $15; and slow rendered goose breast with warm wilted chicory salad dressed in a blood orange vinaigrette for $12. Entrée additions include a bacon wrapped venison meatloaf with wild mushrooms and charred tomato sauce for $32 and herb crusted wild boar chops with sweet potato hash and huckleberry jus for $34. The award winning bistro opens each day at 5 p.m.
La Strada
Chef Ivano Centimeri is adding a twist to his northern Italian cuisine. On the appetizer menu, guests can sample antipasto consisting of potatoes croquette, wild boar salame, duck prosciutto, lardo over warm bread crostone and homemade gardiniera for $12. Pasta additions, each $20, include rabbit and roasted red pepper tortelli with rabbit braise jus, marjoram and Grana Padano; egg noodle lasagna with slow braised Sangiovese wine lamb meat sauce, thyme and cheese Bechamelle; or bigoli pasta with pheasant meat sauce and aged asiago cheese. Entrée choices are each $30 and include pan roasted Venetian style stuffed quail with winter squash risotto, Treviso radicchio and balsamic reduction; pan roasted kangaroo, tagliata style, with caramelized spring red onions and goat cheese potato gratin; and slow braised bison with cabernet wine, herbs, soft polenta and sautéed Swiss chard. La Strada is open at 5 p.m. Friday through Tuesday.
The Prime Rib Grill
Adventurous diners can enjoy Florida alligator ribs with mango barbeque sauce for $12 or an Amazon paiche fillet served with spicy pineapple salsa and coconut rice for $25.95. Included with every meal is the never-ending soup and salad bar stocked with crisp greens and an array of fresh toppings plus fresh fruits, nuts and more. The Prime Rib Grill is open at 5 p.m. Wednesday through Sunday.


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A 16-year-long property dispute among three brothers has been finally settled with a Delhi court ordering auctioning of the land due to their failure to arrive at a mutually acceptable solution.
While directing auctioning of the South West Delhi property, Additional District Judge Dig Vinay Singh ordered that the amount received after selling the land be divided equally among three brothers Ram Chander, Hari Kishan and Hari Prasad.
The order came on a suit filed by Chander and Kishan in September 1996 for partition of the property and seeking direction to restrain Prasad from raising any construction on the land measuring 450 square yards.
The factual position is that as many as three local commissioners (appointed in March and September 1997 and in April 1999) attempted to resolve the dispute by partitioning the property as per their wisdom but it is not acceptable to both the sides, said the court.
As a last ditch effort, even this court made an attempt to persuade both the sides to come to a mutually acceptable solution by partitioning the property but even that did not succeed, it added.
The suit property cannot be partitioned by meets & bounds and therefore it needs to be put to auction sale. The parties would be entitled to their proportionate shares from the sale proceeds, the judge said.


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Freshman Brooke Cusumano
Feb. 23, 2014
|South Alabama Invitational
|Feb. 24-25
|Mobile, Ala. -- Azalea City Golf Club
|Live Stats
|Live Stats
|Season Stats
|Media Guide
|Media Guide
|Social Media
By Tyler Wooten
MOBILE, Ala. -- Saluki women's golf is set to begin its spring season at the South Alabama Invitational on Monday and Tuesday.
The Salukis are coming off an impressive fall season that saw two team tournament wins (UMKC Kangaroo and MTSU Blue Raider) highlighted by a handful of SIU record-book performances.
SIU's success came from both the experienced and the inexperienced in the fall season, as Southern had three student-athletes play in each round in the fall: senior Cassie Rushing and freshmen Xianmei Jin and Brooke Cusumano. Rushing led SIU with two top-five finishes and three top-10 finishes, but four out of the five primary golfers on SIU's fall roster posted at least one top-five and top-10 finish themselves. Rushing tied the SIU all-time record for rounds under-80 her last time out with her 69th-such round in her career.
Southern's last tournament in the fall, the Blue Raider Invitational, was its most impressive. SIU held a three-stroke lead after Day One where no Saluki shot an individual round worse than a 78. Southern had to fight through miserable conditions on Day Two, where it played just good enough to stave off a charging Middle Tennessee State for its second tournament win in three tries in the fall. The victory was the seventh in three seasons under head coach Alexis Mihelich.
Day One tee time at the South Alabama Invitational is set for 7:15 a.m. CST.
Participating Schools:
Alabama State
Arkansas-Little Rock
Eastern Kentucky
Jackson State
Jacksonville State
South Alabama
Southern Illinois
Spring Hill


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Beth Cohen, Commenting on Student Writing, THE SECOND DRAFT (The Legal Writing Institute), Nov. 1999, at 2 (with J. Cuffee, H. Freeman, J. Kaiser, Myra Orlen). Digital Commons
Beth Cohen, Instilling an Appreciation of Legal Ethics and Professional Responsibility in First Year Legal Research and Writing Courses, 4 PERSPECTIVES: TEACHING LEGAL RESEARCH AND WRITING 5 (1995). SSRN Digital Commons
Chris Iijima & Beth Cohen, Reflections of IRAC, THE SECOND DRAFT (The Legal Writing Institute), Nov. 1995, at 9. Digital Commons
Beth Cohen, Supreme Court Implies Students' Claim to Money Damages Under Title IX: Franklin v. Gwinett County Public Schools, 5 MBA INDIV. RTS. and RESP. SEC. NEWS 2 (June 1993).
Beth Cohen, The Collateral Estoppel Effect of an Admission to Sufficient Facts in a Section 1983 Action for False Arrest and False Imprisonment, 4 MASS. GOV'TAL. LIAB. REP. 106 (1990) (with E. Mitnick).
Beth Cohen, Miranda Revisited: Broadening the Right to Counsel During Custodial Interrogation--Commonwealth v. Sherman, 18 SUFFOLK U.L. REV. 99 (1984). SSRN Digital Commons
Beth Cohen, Union Must Provide Attorney Representation Without Regard to Union Membership--National Treasury Employees Union v. Federal Labor Relations Authority, 18 SUFFOLK U.L. REV. 845 (1984). SSRN Digital Commons
View Beth Cohen's most recent scholarship on SSRN
View a listing of recent works where Beth Cohen is mentioned or quoted


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Welcome to Tackle Fanatics, where we are crazy about carp fishing.
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Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
How do thieves steal an identity?
Identity theft starts with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is as good as gold.
Skilled identity thieves may use a variety of methods to get hold of your information, including:
For more information on Identity Theft, visit one of the following sites for more information and understanding. Education is the key to protecting yourself from Identity Theft.


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Texas barbecue returns to its 'golden age'
Pitmasters and their equipment are evolving for the better of everyoneMay 28, 2014 Updated: June 4, 2014 10:04am
Photo: Michael Paulsen, Staff
A sentiment I often hear when talking with other barbecue enthusiasts is that we're in a "golden age of Texas barbecue." I believe this is true.
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The research portion of the Refresh project is complete. Here are some key findings of our surveys, focus groups, peer site reviews and metrics analysis.
We conducted four focus groups, 11 interviews and received 897 survey responses from a wide array of audiences, including faculty, staff, current undergraduate and graduate students, prospective undergraduates, parents, alumni, and the public. A warm thank you goes out to everyone who helped in this process.
Survey Results Overview
897 respondents – all colleges and schools represented
• 46% Staff
• 21% Prospective Undergraduate Students
• 14% Current Graduate Students
• 8% Current Undergraduate Students
• 4% Faculty
• 2% Alumni
• 2% Parents
Home page and UT Direct usage frequency
• 64% go to home page at least once per day
• 49% go to UT Direct at least once per day
Mobile type
• 31% iPhone
• 36% Other Smartphone
• 33% No Web-capable mobile device
Frequency – access Internet via a mobile device
• 38% at least once per day
• 15% infrequently
• 47% never
Descriptors – how respondents would like to describe the new Web site
• Easy to use
• Informative
• Clean
• Searchable
Top Web site usage by audience
• Staff, Undergraduates, Parents and Prospective Undergraduates – Home page and UT Direct
• Faculty and Graduate Students – Libraries and UT Direct
Strengths of current site
• Easy
• Directory and search access
Weaknesses of current site
• Search
• Hard to find information
Task importance by audience – Click for larger view
Mobile task importance by audience – Click for larger view
Even More Research
The Refresh Information Architecture working group developed content inventories, personas, search term analysis, Web site metrics and peer site reviews.
Peer Site Reviews
Our peer review analysis consisted of two different forms. We organized a peer review activity with each focus group. Participants in the focus groups were asked to evaluate the positives and negatives of home pages of 10 peer institutions and then select their favorites. This information is being utilized to identify visual and layout preferences.
The Refresh Information Architecture working group completed a detailed 116-question survey on 23 peer institutions. The peer review survey results provide detailed information on everything from naming conventions to content placement to technology usage. For instance, on home pages of sites reviewed, only 15% use the entire width of the screen but more than 70% have information that you have to scroll down to see.
Web Site Metrics and Heat Map
We pulled the average monthly clicks from Dec. 2008 – Nov. 2009 on every link on the current home page to develop this heat map – click for larger view:
Legend (average):
• Red: More than 100,000 clicks/month
• Orange: 99,999 – 25,000 clicks/month
• Yellow: 24,999 – 5,000 clicks/month
• Green: 4,999 – 2,500 clicks/month
• Blue: 2,499 – 1,000 clicks/month
• Purple: Fewer than 1,000 clicks/month
• Grey: No data available
Next Steps
We are analyzing all of our mountains of data to develop recommendations based on our audience-focused research. Our next steps include creating wireframes for the home page and second-level pages.


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"Yellen Props Up Stocks" And Other Delirious Data Points
Wolf Richter www.testosteronepit.com www.amazon.com/author/wolfrichter
Alarm bells went off: "Yellen props stocks," the headline read. Somebody needs to. Politicians in Washington are actively contemplating how to most effectively send the largest and brokest debtor in the history of the universe into default. Corporate revenues can't keep up with inflation. Earnings estimates and actual earnings growth plunge. And the S&P 500 soared 16% year to date.
The first of the S&P 500 companies to report was Alcoa. Its aluminum products are used in autos, air craft, beer cans.... A bellwether. So analysts fawned over its results, and investors swarmed into its stock, surrounded by talk of growing demand, etc., etc. It did report a profit, due to cost cutting, of 2 cents a share, which rose to 11 cents after all the "special items" were backed out, to then exceed expectations, which themselves had been feverishly lowered beforehand. This accomplishment was based on "solid" revenues of $5.765 billion, down 1.2% from a year ago. "Alcoa Gets Earnings Season Off to the Right Start," is how a headline described the phenomenon. At first, I thought it had been glazed with irony.
Then there was H-P. The computer maker didn't even report earnings. CEO Meg Whitman hyped the company at a meeting on Wednesday. There'd be "pockets of growth" in 2014, she raved, revenues might actually "stabilize," and she felt "comfortable" with H-P's progress. Great news.
In fiscal 2013 ending this month, revenues are expected to skid 7.4%. CFO Cathie Lesjak then explained what Whitman's "pockets of growth" and "stabilize" meant: revenues would continue to skid in fiscal 2014. On this glorious note, the stock soared 8.9%. It's up over 48% for the year, after having nearly doubled at its recent peak in August.
"Meg Whitman seems to be a lot more optimistic than we are," retorted Jim Chanos, President of Kynikos Associates, on CNBC, the morning after. "They're now talking about revenue declines in 2014. That's not what they were saying before."
"So, in effect the guidance keeps coming down at that company," he said – which has been a pandemic corporate disease over the last few quarters. "They have a lot of different businesses," he said. "They have enterprise, they have printing, they have PCs, but all of these businesses are declining right now."
The litany continues. Costco, one of my favorite places to shop – I ram people that clog up the aisles during their Sunday family outings – reported its revenue debacle on Wednesday. Net sales climbed an imperceptible 0.8% in the fourth quarter over prior year, after they'd grown at their more habitual rate of 7.9% in the third quarter. Something was off. The company blamed foreign currency fluctuations, but hey, foreign currencies always fluctuate.
Safeway reported its debacle on Thursday: earnings down 58%. It lowered its earnings estimates. It cut its capital spending target – thereby cutting revenues for other companies; it's hard to grow an economy on the basis of corporate cost cutting. It has been announcing a slew of strategic moves, including selling its Canadian operations. It threw another goody into the fray: exit the Chicago area. And revenues? Increased 1.1%, about half of the rate of inflation. The stock jumped 6% afterhours, after doubling over the last 12 months.
Gap also entered the confessional on Thursday. September sales were flat. Same-store sales were down 3%, when hype mongers had expected a 1.6% rise. September "proved to be somewhat challenging," CEO Glenn Murphy said blandly.
Nine retailers still report monthly same-store sales, and if that small sample is representative of the larger retail environment, September ended the back-to-school season, the second most important selling season, with a whimper. Together, they posted a 1.6% increase in same store sales, below the rate of inflation, as opposed to the estimated 3.1% increase, and as opposed to the actual 5.5% increase last year. Cited: weak mall traffic, fierce competition, waning consumer confidence, whatever. The month just sucked. Worrywarts are beginning to fret about the upcoming holiday season.
At least one sector is still strong. Auto sales have been booming all year, actually for the last several years, with double-digit year-over-year growth rates, including over 20% so far this year, goosed by ultra-cheap car loans. The auto industry is a huge part of manufacturing, service, and finance. It accounts for nearly 20% of all retail sales. So thank God sales are booming.
I mean, were booming. In September, they dropped for the first time this year, down 4.2%. The industry blamed Labor Day, which was counted in August this year and in September last year (something they largely failed to point out in August). Remains to be seen if this was just a blip related to Labor Day, or if consumers are throttling back their enthusiasm for the one major sector that was still holding up the retail sales – and a good part of manufacturing.
Some companies will report strong revenue growth, and we're looking forward to that. But there will be many others that will report flat or declining revenues. None of this – not crummy revenues, not the collapsing earnings forecasts, not the government shutdown, not the threat of a politically engineered default by the largest and brokest debtor in the history of the universe – can apparently rattle this stock market.
Because it is now held up by its one and final prop, a jerry-rigged, haphazard device with destructive side effects. Without it, the market would fall over: the vague promise of endless money printing by the Fed. Soon-to-be Chairwoman Janet Yellen is the new incarnation of that religion. She has been a big proponent of the Fed's QE binges and zero-interest-rate policy. And the markets expect her to prop up trillions of dollars in inflated value with unrelenting enthusiasm. A scary thought.
In its report on shadow banking, the New York Fed buried some nuggets: Hedge funds and banks are bailing out of the highest-risk, "opaque," but now relatively low-yielding loans – low yielding thanks to the Fed's repressive monetary policies – by selling them to small investors via harmless-sounding and conservative-appearing mutual funds and ETFs. Read.... Fed: Hedge Funds, Banks Sell Crappiest Debt To Small Investors (Before Credit Bubble Blows Up)
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I console myself with the fact that there's no such thing as a 'free lunch'. But then when I see this bullshit just going on and on I console myself with Jack Daniels.
Exactly. Debt increase deal + CR = biz as usual. MassiveTreasury issuance to fund deficits + Yellen guarantee of moar QE = increase in S&P as primary dealers use profits to buy stocks hand over fist, and as the beneficiary of QE front run the next ramp.
This is not hard people. The Republicans giving up is yet another confirmation of the QE fueled run up in stawks. Biz as usual.
Not my preference, just reality. Trade accordingly.
Love the comment on Costco shopping as I can't stand shopping their anymore as the combination of clogged shopping lanes and endless over consumption promotions have warn me out. If Costco really wants my business, then they should have a "free ram the stupid customer's shopping cart day" as hell, I might even pay for this perk.
I understand that for familes, Costco might offer some quality deals but with changing demographics related to the Baby Boomers aging (translation, down sizing and consuming less), younger people delaying/deferring marraiges and families, stealth inflation very evident in the food industry (think smaller volumes for the same prices), and competition coming from every corner of the market now (think .99c stores, etc.), I'm not a fan of the big box retailers such as Costco, Wal-Mart, and others. Unlike Sears and JCP which built business models on the middle class (which has now effectively been eliminated from the US economy), these retailers built huge footprints that drove out countless small businesses. Now, business is fighting back and has build smaller footprints with better service and competitive pricing to out "compete" these giants. Don't like their models at all but in addition to the point this author makes about the state of the economy and its impact on retailers such as Costco, I believe competition is really beginning to bite into their performance but in addition, consumer buying habits. With household budgets very tight, large purchases (which usually happen at Costco) are curtailed in favor of smaller, more frequent "cheap" purchases at the local $ store. Consumers don't have the means to tie up cash in "inventory" that may sit on their shelves for a month.
But the key point really comes down to the state of the consumer. Without real income growth (which has actually been negative the last four years) and any real sense of job security/opportunity (as most new jobs don't offer these elements), all of the hype and joyful noice pushed on the consumer during the past three years about a recovering economy is now beginning to fade. After a brief period of shock from 2008 through 2010, the consumers became addicted again on cheap, no strike that, free money. Zero % auto loans, buy now with no interest until 2100 furniture deals, a student loan binge, you name it. The problem is that consumers are once again having to actually "repay" debt, a rather novel concept, against negative wage growth.
The short lived recovery has been built on a very weak consumer. One that has experienced negative wage growth, built no equity in home prices (as these parties are now renters, leasing the properties from the slum owners on Wall Street), and watched whatever wealth they had left be transferred to the 1%. The current decline in consumer confidence is not a surprise but the real figures to watch are continued auto sales (absence channel stuffing) and larger ticket purchases which consumers tend to finance (as renters have far less incentive to improve properties as the value increase passes through to the landlords). If the average consumer isn't exhausted yet, they will be soon taking the US economy right back to where it was in 2009.
2015 bitches ...
... Bernanke did not want to be around. Yellen is most likely just a stuffed skirt and patsy.
The root cause: "If you are optimistic and think happy thoughts, you can shape your reality."
...And then, Reality BITES!!!!!!
End of Week Review
Today is expiration. What a ramp job yesterday and today.
I wonder how many bears were salivating over their put profits which vaporized into burnt bear?
Usually Thursday and Friday of Expiry are fairly boring with some quick ramping action to scare people out of option positions. This one was not like that!
Then usually after Expiry, Monday and Tuesday show some big moves. Not sure if that will happen here as this has been atypical.
Below are an assortment of charts and indicators, all are proprietary ratios or charting methods.
I went long gold futures based on the Egg Pierce and the Bernoulli 50 support.
Palladium looks like a no brainer long, and it has a great story, plus it has an excellent inverted head and shoulders and we are at the end.
The market is completely rigged by algos and the Fed and you keep farting out charts and buzzwords like they fucking matter anymore. You are really wasting your time with this bullshit!
Not to mention plus 300 PE stocks.....crush
Funny how the market needs to get hit by a truck to understand it's playing Iin the traffic
"I ram people that clog up the aisles during their Sunday family outings."
.. You, too?
I make it a point to say "Excuse me" after performing the PIT maneuver on their cart.
Great piece, Wolf.. all is not what they crack it up to be. :-)


text: Penn Fair Pediatric Group Contact Information Penn Fair Pediatric Group 2067 Fairport Nine Mile Point Rd. Suite 110 Penfield, NY 14526 Map & Driving Directions Phone: (585) 922-0460 Fax: (585) 922-0470 Office Hours Mon- Thurs 8:00am - 5:30pm Fri 8:00am - 4:30pm Sat 8:30am - 12:30 (sick visits only) Coverage is shared with Bay Creek Pediatrics in Webster to help patients avoid urgent care centers Appointments To schedule an appointment, call us at (585) 922-0460. Emergency care is available at the Rochester General Hospital Emergency Department. Call (585) 922-4000 or (585) 258-3307. General Description Penn Fair Pediatric Group is a practice in the Rochester General Medical Group, an affiliate of Rochester General Health System. Our practice offers high quality, compassionate care for children and adolescents from birth to age 21. Our highly qualified team of three board-certified Pediatricians, a Pediatric Nurse Practitioner, and office staff are here to assist you and make sure that you and your child receive the care and attention that you deserve. We see newborns at Rochester General, Strong Memorial and Highland Hospitals and admit our patients to Rochester General and Strong Memorial Hospitals. We routinely administer allergy shots and suture lacerations (stitches) in our office and provide referrals to specialists as needed. Our practice is recognized as a Patient Center Medical Home. For more information about Patient Centered Medical Home, click here. Services We Offer Same-day appointments Sensitive and prompt service Regular check-ups to monitor growth and development Well visits at 1 & 2 weeks, and 2, 4, 6, 9, 12, 15, 18 & 24 months Yearly exams after 2 years of age Immunizations / vaccines Identification of behavioral, educational and emotional concerns, and help for parents in solving them Laceration suturing (stitches) Pulmonary function testing Admission services to patients at Rochester General and Strong Memorial On-call physician for after-hours calls Free parking Insurances Accepted We accept most insurance plans. Fees are on a sliding scale based on financial need. Plans that we participate include: Excellus Blue Choice Option MVP MVP Option Medicaid Rochester General Health System Plan Most commercial Insurances Our Physicians Andrea Hernady, MD "It is so much fun to watch my patients grow and develop through the various stages of their lives – from toilet training to starting kindergarten to their high school graduations! I also treasure the relationships I have built with the families of my patients. It brings a smile to my face every day." Dr. Hernady loves watching her patients grow up to be happy, healthy adults, and appreciates being able to help them through the tough times that can come along the way. Board certified in pediatrics, Dr. Hernady received her undergraduate degree at the University of California in San Diego, where she graduated magna cum laude. She was a clinical researcher in the UC San Diego Department of Family Medicine before moving to Rochester to attend medical school at the University of Rochester School of Medicine and Dentistry. While in medical school, she earned the Edward T. Mulligan Memorial Award for Outstanding Merit from the Monroe County Medical Society. She completed her residency in Pediatrics at the University of Rochester School of Medicine and Dentistry, and is a clinical instructor in pediatrics at the University of Rochester Medical Center. In her spare time, she enjoys watching her children's sporting events, photography (favorite subjects are her children, their sports, and artistic nature scenes), and gardening. Kerry Katlic, MD "I love going to work and having new challenges every day, knowing I'll see the smiles and innocence of infants and hear the laughter and joy of children." Dr. Katlic has been a practicing pediatrician in Rochester for more than 25 years. He graduated from Franklin and Marshall College in Lancaster, Pennsylvania, and earned his medical degree from the Pennsylvania State University College of Medicine. Board certified in pediatrics, he completed his pediatric residency at the University of Rochester, is a Fellow of the American Academy of Pediatrics (FAAP), and is a clinical assistant professor of pediatrics at the University of Rochester Medical Center. His areas of interest and expertise include sports medicine and injuries, developmental pediatrics and autism. Outside the office, he enjoys spending time hiking, kayaking and sailing in the Adirondacks, learning to play golf, and reading. Kevin Klossner, MD "Being a pediatrician lets me have a relationship with my patients where I can watch them grow and mature through the years...bringing with it many opportunities for laughter, fun and learning." Dr. Klossner has practiced pediatrics in the Rochester area for 20 years and has been with Penn Fair Pediatrics since 2000. A graduate of Carnegie-Mellon University with a B.S. in chemical engineering, he earned his medical degree at the State University of New York at Buffalo and completed his pediatric residency at the Children's Hospital of Buffalo. He is a Clinical Instructor in Pediatrics at the University of Rochester Medical Center. Board certified in pediatrics in 1989 and recertified in 1996 and 2003, Dr. Klossner has practiced medicine along the Ivory Coast and Honduras and would like to do more short-term medical work in a third-world setting in the future. He enjoys spending time with his family, traveling, reading (especially about history), walking his two dogs, and participating in several half-marathons each year. Laurie Walsh, RN, MS, CPNP Mrs. Walsh has been with the Penn Fair Pediatric Group full time since May, 2001. She is a graduate of Monroe Community College and Alfred University, where she earned a Bachelor's of Science Degree in Nursing. She completed her Master's Degree in Nursing in the Care of Children and Families in 1990 at the University of Rochester. Mrs. Walsh has previously served as a nurse practitioner for the Neonatal Continuing Care Program at the University of Rochester Medical Center and, subsequently, two RGH practices. She has much experience in working with babies, adolescents and their families but loves working with children of all ages. Mrs. Walsh is certified by New York State and the American Nurses Credentialing Center as a Pediatric Nurse Practitioner.


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FREETHOUGHT HALL in Madison, Wisconsin, which serves as the national offices of the Freedom From Religion Foundation, was purchased in 1990 with the generous gifts of hundreds of members. One of the oldest buildings in downtown Madison, it houses the elegant Blanche Fearn reception room and the handsome Elizabeth Elliott library of more than two thousand freethought books.
The sandstone structure was built as a family home in 1855. Its first known owner was an entrepreneur who had taken part in the California gold rush and later operated business in Wisconsin. Another early owner was a church! The building became a rectory for 20 years in the late 1880s.
In the 1940s the pioneer home was remodeled as a clinic with physicians placing an addition on the front of the building. A series of commercial ventures occupied the building in recent years until its cash purchase by the Foundation.


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"Dear Steve, Thank you for taking the time to read and answer my question. I'm currently dealing with old, bad debt I'm trying to pay off. I've been paying off accounts and also dealing with an identity theft situation where my social security was used unknowingly by a family member for their bills. At this time, I'm considering pressing charges ... Read More »
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MAR 29, 2013 - Miami Herald
A Must Read - Share
The Atlanta Falcons had discussed adding Osi Umenyiora since early February. They knew his blazing pass rushes off the edge of the defense could help on the field.
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Check out appoLearning.com, because your kids deserve the very best educational apps!
Justin.tv is an online video streaming site where users can broadcast their lives, videogames, news, or pretty much whatever else they would like to show live online. The service is free and gives anyone the chance to share whatever they would like to the world. The Justin.tv app, is basically your chance to broadcast to the world. Right from your iPhone you can stream the world around you. The app works on both wifi and 3G offering streaming pretty much anywhere you are. Once logged in to your account, streaming is as easy as tapping the large red button on the side. Immediately you will begin broadcasting your phone's view and can share what's going on in your life. Not only an you broadcast, you can also view a large majority of the live broadcasts from your phone. You can chat with users while viewing the videos and the streams were pretty good quality. Overall, the app is an amazing tool for social interaction and could easily help to push the world into streaming video more often. It's free and definitely fun to use. Check it out. Visit Appolicious for more iPhone app reviews and articles.


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Department of Psychology at Illinois State University
Systematic, collaborative problem solving is also emphasized throughout the doctoral program. Doctoral trainees receive training that allows participation in and facilitation of the problem solving of others functioning in a variety of settings. This approach to problem solving includes systematically moving through a sequence of steps. Although the specific labels for the stages may differ, they typically include problem identification, problem analysis, plan development, plan implementation, and plan evaluation. Trainees are educated to use information from a variety of sources to develop and monitor the effectiveness of research-supported interventions for one or more of the various systems (e.g., individual child, family, or school). Trainees are also taught that psychological tests represent only one source of information; other sources include a review of existing records, observations of child behavior in multiple settings, interviews of all significant adults in the childs life, and empirically based broad- and narrow-band behavior ratings.
The doctoral program seeks to train school psychologists who demonstrate generalist competencies in the areas of psychological assessment, intervention, program evaluation, consultation, and supervision. Trainees may develop additional expertise in specialized areas, guided by a trainees interest, availability of faculty expertise, and field experiences.
In addition to practical applications of school psychology, doctoral trainees are well grounded in research methodology. The success of our training model lies in the integration of science and practice. This integrated model leads to a unique focus on psychology as a mental-health profession and aids both researchers and practitioners in the performance of their respective functions. Integrated training provides trainees with knowledge relevant to a variety of applied settings, and such training provides trainees with an applied perspective to their empirical activity. One of the goals of the doctoral program is to educate psychologists to integrate their knowledge of scientific principles with their clinical skills to improve the lives of children and families, and to serve as system-level change agents. This integrated approach to science and practice promotes the development of complementary skills fostering a career-long process of psychological investigation, intervention, and evaluation.
Training as a scientist/practitioner requires that trainees be given integrated clinical and research experiences beginning in their first year of graduate study. The scientist-practitioner model is emphasized and reflected in experiences that include fieldwork associated with practica, the philosophical emphasis of professional seminar and other required courses, and the research orientation of the research apprenticeship or masters thesis, and doctoral dissertation. In addition, all first-year doctoral trainees are enrolled in a year long research seminar designed to facilitate their focus on an area of research interest as well as the preparation of their first research project (i.e., the apprenticeship or thesis).
In the process of demonstrating and supervising clinical activities, faculty members actively integrate research and clinical work. For example, grants obtained by School Psychology faculty related to violence prevention, autism, problem solving, and Response to Intervention combine clinical training and research. Coursework, clinical and research supervision, and attendance and participation in national conferences demonstrate to trainees the intersecting roles of practitioners, consumers of research, and research innovators.
Our graduates are taught to assume leadership positions in professional psychology. As health care providers, graduates will deliver a variety of psychological services directly to children, parents, and families. Some graduates will be supervisors of other school psychologists and school- or clinic-based administrators responsible for the development, implementation, and evaluation of educational and mental health programs. As academic school psychologists, our graduates may supervise and educate graduate students enrolled in pre-service training, and advance the state of scientific knowledge. Regardless of the setting in which our graduates will work, they will function as scientist-practitioners well versed in collaborative problem solving.
The Department of Psychology at Illinois State is committed to the support and promotion of diversity on many dimensions. This commitment is fulfilled through our courses and content, faculty and trainee research, practical and applied experiences, and the recruitment and retention of a diverse body of students, faculty, and staff. The department is committed to providing equal opportunities and an educational and work environment free of any form of discrimination, and respectful of individual differences, as outlined in Illinois States diversity policies. Consistent with APA accreditation and NASP program approval training and professional standards, the department recognizes the importance of cultural and individual differences, and the role of diversity in the training of school psychologists. By providing a respectful and inclusive environment, the department prepares its doctoral trainees to be culturally sensitive, and prepare its graduates to function effectively in professional settings where diversity is embraced.


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Protect your Tech Gear with style and sophistication!
Jill-e Designs Gadget Bag
Currently Out of Stock
Product Number: 802817p
Pack your gear and your iPad® for a day out and about. The Jill-e Designs Gadget Bag makes sure all items are safe and protected with room for your daily essentials. The Jill-e Designs Gadget Bag fits 1 tablet computer and/or e-reader and 1 DSLR or SLR camera body and 2 medium size lenses or many combinations of small items including tablet computer, e-reader, point and shoot camera plus notebook, water bottle, umbrella, flip-flops, healthy snacks and wallet, keys, make-up, hair brush, hand sanitizer, tin of mints... all your lifestyle essentials. Accessories Not Included.
Features Includes:
Features Includes:
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- Inside and outside zippered pockets for personal items
- Interior pouches for smart phone, accessories, pens and glasses
- Comfortable leather carry handles with 9.5" drop
read more...


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|APSEA prominence at Bomas of Kenya
Thursday, 19 August 2010 11:28
Anyone who was following the vote tallying proceedings at Bomas of Kenya on August 4 would have been hard- pressed not to have noticed the prominent position APSEA had been accorded in the midst of dignitaries and leading organizations.
This was a testament to the major role the organization had played in the run up to the referendum and this integral role by APSEA will continue even throughout the entire implementation process of the New Constitution.
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|Last Updated on Thursday, 19 August 2010 11:41


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Dear Losing Talent:
Investing in employee development is a strategic imperative for most organizations but, as with any investment, it's not risk-free. So, how can one mitigate the risk without taking a draconian and short-sighted approach of viewing people as commodities?
There are a number of ways to develop people including internal and external training, coaching, 360-degree feedback, job expansion, promotion and tuition assistance. A common feature of many tuition assistance policies is a repayment agreement that requires an employee to remain with the company for some period of time after receiving tuition reimbursement. The contractual provision requires the individual to repay some or all of the tuition money if he or she leaves before an agreed-upon timeframe, typically two to three years. While the agreements are legally enforceable, they serve more importantly as a psychological barrier to leaving as employees don't want to be held liable for these expenses.
However, employee development is about much more than school tuition. Here are three points worthy of consideration to maximize your return on investment:
1. Select candidates for development carefully and recognize that one size doesn't fit all. Development is not a process to "fix" poor-performing employees. Invest more money in your top performers but don't ignore everyone else. Tailor development to the employee's function and level as well as individual, team and organizational needs.
2. Communicate effectively to maintain superior employee relations. While the "what" — development— is important, don't neglect the "why." Communicating the why is an important responsibility of the employee's immediate supervisor. As an HR professional, your role should be to coach line managers and encourage this type of dialogue. It's most effective if you can tie development back to career planning and allow employees to envision their future at the company as a result of the development initiatives.
3. Operate proactively. You seem progressive enough to invest in employee development, but if you're following the above guidelines and people are still leaving, you should determine the reasons. Frequently, employees leave a supervisor rather than a company. Poor supervisors cause disengagement and turnover and may unwittingly besabotaging your company's efforts to develop and retain high-performing people. The most important relationship in any organization is that of the employee and his or her immediate supervisor. Invest in core management skills training. It is the foundation of a great organization.
As a result of the changing relationship between employer and employee, average tenure is much lower today, particularly among millennials. There is no such thing as lifetime employment from either the employee or company perspective. However, if you communicate well, strengthen the skills of your line management and approach development in the strategic fashion outlined above, you will retain more of your best employees and enjoy greater productivity and success.
SOURCE: Jeffrey Husserl, CoralBridge Partners, Chicago, Aug. 12, 2014ASK A QUESTION
The information contained in this article is intended to provide useful information on the topic covered, but should not be construed as legal advice or a legal opinion. Also remember that state laws may differ from the federal law.
If you have any questions or concerns about Workforce.com, please email email@example.com or call 312-676-9900.
The Workforce fax number is 312-676-9901.


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An excerpt from www.HouseOfNames.com archives copyright © 2000 - 2016
The Dalriadan kingdom of ancient Scotland was the home of the ancestors of the Orr family. Their name indicates that they lived on a bank, or on the edge of a hill. The Orr surname arose independently from different sources. In some instances, it came from the Old English word ora, which means "edge" and was probably a name for someone who lived on a bank, or on the edge of a hill. Orr also came form the Old Norse name Orri, which meant "black rooster." It also emerged from the Gaelic word, odhar, which meant "pale" and would have been a nickname that became a surname.
The surname Orr was first found in Renfrewshire (Gaelic: Siorrachd Rinn Friù), a historic county of Scotland, today encompassing the Council Areas of Renfrew, East Renfrewshire, and Iverclyde, in the Strathclyde region of southwestern Scotland, where they held a family seat from early times and their first records appeared on the census rolls taken by the ancient Kings of Scotland to determine the rate of taxation of their subjects.
Translation in medieval times was an undeveloped science and was often carried out without due care. For this reason, many early Scottish names appeared radically altered when written in English. The spelling variations of Orr include Orr, Ore, Orre and others.
This web page shows only a small excerpt of our Orr research. Another 133 words (10 lines of text) covering the years 1296 and 1503 are included under the topic Early Orr History in all our PDF Extended History products.
More information is included under the topic Early Orr Notables in all our PDF Extended History products.
Some of the Orr family moved to Ireland, but this topic is not covered in this excerpt. Another 139 words (10 lines of text) about their life in Ireland is included in all our PDF Extended History products.
The descendants of the Dalriadan families who made the great crossing of the Atlantic still dot communities along the east coast of the United States and Canada. In the American War of Independence, many of the settlers traveled north to Canada as United Empire Loyalists. Clan societies and highland games have allowed Canadian and American families of Scottish descent to recover much of their lost heritage. Investigation of the origins of family names on the North American continent has revealed that early immigrants bearing the name Orr or a variant listed above include:
Orr Settlers in United States in the 17th Century
Orr Settlers in United States in the 18th Century
Orr Settlers in United States in the 19th Century
Orr Settlers in Canada in the 18th Century
Orr Settlers in Canada in the 19th Century
Orr Settlers in Australia in the 19th Century
Orr Settlers in New Zealand in the 19th Century
This page was last modified on 25 April 2016 at 13:44.
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According to Wikipedia, the 1Malaysia concept aimed to re-kindle 'ethnic harmony' but the opposite seems to be in place now.
PETALING JAYA: In 1957, when we gained independence, there was no ŌĆ£talkŌĆØ of race relations. There were no complications. There was just acceptance of a rich and culturally diverse social fabric that made up Malaysia.
But as the country ŌĆ£grewŌĆØ over the years, politics filtered through the layers of society influencing the racial mix ŌĆō and acceptance slowly eroded to be replaced by conditional tolerance.
Race relations, simply defined, are ŌĆ£tiesŌĆØ between different races in a country. In Malaysia, these days, ŌĆ£race relationsŌĆØ is often described as a ŌĆ£complicatedŌĆØ issue.
But it's a ŌĆ£complicationŌĆØ that 67-year-old Mohd Fikri Slamat can't understand. More unacceptable to him is Prime Minister Najib Tun Razak's ŌĆ£ridiculousŌĆØ 1Malaysia concept conceived last year in a bid to ŌĆ£re-educateŌĆØ mixed Malaysia about ŌĆ£ethnic harmonyŌĆØ.
ŌĆ£I thought we were doing quite nicely… I don't see the need for something as ridiculous as the 1Malaysia concept. How does Najib think we gained our Independence?
"Through the work of just one race? Maybe he should go back and re-read authentic Malaysian history to realise that there were other races involved in our Merdeka,ŌĆØ scoffs Fikri.
Forty-four-year-old Wong Chui Seng, a mechanic, believes the 1Malaysia concept has worsened race relations and has served to drive a wedge between the communities.
ŌĆ£While every Malaysian knows that there is a racial lopsidedness where rights to education and ownership of property are concerned, I was never as conscious of how little rights I had as a Chinese person until the 1Malaysia concept came along.
"It seems to be an Umno unity tool… All this talk about racial unity is great, but what is the outcome? I donŌĆÖt see any additional fair game for all,ŌĆØ he said.
Launched on Sept 16, 2010, in conjunction with Malaysia Day, Najib's 1Malaysia has its own Wikipedia page which calls on the Cabinet, government agencies, and civil servants to strongly emphasise ethnic harmony, national unity, and efficient governance.
Even before the average Malaysian could grasp the 1Malaysia concept, the brand was franchised out and today, in their face, are the 1Malaysia clinics, 1Malaysia e-mail, 1Malaysia grocery stores, 1Malaysia Foundation and the1Malaysia Youth Fund, among others.
The 1Malaysia Youth Fund was allocated RM20 million in the 2010 national budget. Expectedly, it was a government-linked entity ŌĆō the Barisan Nasional Youth Lab ŌĆō which had proposed the fund.
1Malaysia, at what price?
Decrying 1Malaysia as merely a slogan, June Sivapillai, a 38-year-old consultant attorney, said the whole idea was just another ŌĆ£schemeŌĆØ.
But if Najib could defend himself to Sivapillai , he would most likely tell her that 1Malaysia is a ŌĆ£philosophyŌĆØ and not a mere slogan.
In his speech during the ground-breaking ceremony of the Federation of Chinese Association MalaysiaŌĆÖs (Hua Zong) new building in Seri Kembangan recently, Najib said the 1Malaysia philosophy could ŌĆ£transformŌĆØ the mindset of Malaysians towards turning the country into a highly developed nation by 2020.
He said that if Malaysians understood what was needed to hold the country together, they would realise the importance of giving continuous support to the government which had a long and proven experience in building the nation.
ŌĆ£I believe we can achieve prosperity and become a strong country if all Malaysians embrace the notion of the 1Malaysia philosophy,ŌĆØ he said.
Delving into his speech, Sivapillai wryly said: "What he's (Najib) essentially saying is that we were never, all this while, a strong country and that itŌĆÖs his concept of 1Malaysia that will get us there.ŌĆØ
"Personally speaking, any effort to unite the people is commendable ŌĆō but at what price? By this, I mean ringgit and sen.
"You read about this obscene amount of money being spent on the 1Malaysia projects and you donŌĆÖt see the results.
"You want to do something to unite the people? Stop these campaigns and concepts; make sure that there is an equal share of the pie for everyone.
"If Najib is so hot for the 1Malaysia concept, what is he doing about the racial fiasco created by Ibrahim Ali and the Perkasa gang?
"Since when was it constitutional to let one race denigrate anotherŌĆÖs faith and race?ŌĆØ
'Equality and rule of law'
According to former law minister Zaid Ibrahim, Malaysia was once "a shining example of a working democracy founded on the principles of democracy and egalitarianism but has since degenerated into an authoritarian racist state that is now characterised by incessant racial and religious dissension and economic malaise".
Quoting his speech ŌĆ£Malaysia ŌĆō a lost democracyŌĆØ in an article published in the Asia Sentinel, writer Kim Quek wrote: ŌĆ£In one of the most important political speeches delivered in Malaysia in recent years, Zaid Ibrahim touched on the heart of race relations when he gave a rendition on the evolving racial politics in Malaysia that has so bedevilled the nation for the past few decades.ŌĆØ
He quoted Zaid as saying: ŌĆ£When the country achieved independence in 1957, then Malaya was a model of parliamentary democracy, governed under a written constitution 'that accorded full respect and dignity for each and every Malayan'.ŌĆØ
"If at all there was a social contract ŌĆō which should mean the pre-independence consensus reached among the founding fathers representing the various communities ŌĆō it must be one 'that guaranteed equality and the rule of law,' as subsequently reflected in the Federal Constitution.ŌĆØ
But Syed Halim Don, 51, disagrees with such ŌĆ£equalityŌĆØ and Najib's 1Malaysia because it puts the other races on par with the Bumiputeras.
ŌĆ£When you start including other people in what has been previously allocated for one race, then smaller helpings will have to be served. I donŌĆÖt like this idea very much because I strongly feel that as the majority race, we (the Bumiputeras) should be given a larger share,ŌĆØ he said.
'1Malaysia a hypocrisy'
There are some others, however, who believe that the 1Malaysia concept will benefit the country in the long run.
Eighteen-year-old Taufik Shamsuddin, for instance, thinks that 1Malaysia ŌĆ£conceptŌĆØ should be given a chance.
ŌĆ£I think we should look at the 1Malaysia concept as an opportunity to strengthen our ties with each other. I donŌĆÖt think itŌĆÖs about who gets more or less of something but instead about how well we can work with each other to become better as a nation.ŌĆØ
While race will always be something of a prickly issue to both write and speak about, it seems that there are many who have no problems expressing their thoughts and opinions about the 1Malaysia concept.
Gayathry Venkiteswaran, executive director of the Southeast Asean Press Alliance (SEAPA), aptly sums it up when she said: ŌĆ£I am proud to have my own brand of unity that has grown out of sharing and caring for friends and neighbours.
"The 1Malaysia concept is a hypocrisy, coming from a coalition of political parties whose survival depends on the ethnic divisions in the country.
"I am fully aware of the politicisation of identities that only serves the interests of the few, but I will not let it jeopardise the real relationships I and many of us have with our fellow Malaysians.ŌĆØ


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18 Things You Can Do TODAY To Save Money
Saving money is a way of life for some and an aspiration for others. No matter which side of the fence you sit on it is always a good idea to be conscious of how you spend your hard earned dollars. Little ways or big ways pinching pennies will eventually add up to dollars saved. A dollar saved is a dollar earned. Right?!
1. Buy used. Cars that is. We have had good luck with 'previously owned' cars. Once a vehicle is driven off the lot the value depreciates faster than water going out of a bathtub. Grab your trusted motor head friend and walk the lots of the local used car lots or peruse the adds on craigslist.
2. Drink Water When You Dine Out. Tap water is free. It is the healthy choice. But keep in mind it lowers your bill and thus your tipping base. Be nice to your server and tip as if you ordered a soda. Every bit counts to those hard working servers.
3.Polish Your Own Silver. Forgo the expensive stinky tube of silver polish and use science to clean your silver!
4. Make Your Own Glass Cleaner. Just a few ingredients and you have an easy peasy lemon squeezey glass cleaner.
5. Eat In! Eating in vs. eating out can save you BIG TIME. Sure you don't have the prep or clean up but you are paying for those conveniences. Need a recipe? Check out my Nom Nom board on Pinterest. But be warned that once you start on Pinterest you won't want to stop!
6. Go Veggie. Skip the meat a few times a week and pocket the difference. How about Meatless Monday? Get a jump start on your veggie consumption and go vegetarian.
7. Go Consignment. Hit up your local consignment shop. They are chock full of great deals. Different shops have different restrictions. Some won't accept a garment over 9 months old or some offer discounts for mid week shopping. Deals are everywhere to keep you stylish.
8. Plant a Garden. If you a bit of space (or a patio pot) you can have fresh vegetables all summer long! Here is a post I did on planting the perfect tomato.
9. Plant Garlic. While you are digging in the dirt try your hand at planting garlic. Gardner be ware: This needs to be started in the fall.
10. Call Your Insurance Agent. When was the last time you had some one look at your policy? The rules and conditions may habe changed recently and you may be missing out on some discounts. You never know until you ask.
11. Baby sitting pool. Don't use a pool to baby sit your kids! That is dangerous. I am talking about getting together with another family so you can go out for quality time with your spouse. Baby sit their kids one Friday a night and they will watch your kids another Friday night. Do this once a month and you have a guaranteed date night w free baby sitting.
12. Take care of your clothes. Only wash them when they are dirty. So many times we wear a shirt for a few hours and it truly isn't dirty. Nothing spilled on it and you didn't sweat while wearing it. Over washing clothes can make them show age prematurely.
13. Wash your clothes in cold water. Save the energy to make the hot water and wash in cold. Many detergents are formulated to wash in cold so you will not be giving up any cleanliness by skipping the hot water. But if you are like me you will save your hot water for socks, underwear, towels and sheets. Some things just need hot water in my opinion.
14. Re-dye your clothes! That is right. We are going back to the days of tie dye with out the rubber bands and string. Freshen up a solid color shirt by diving it a dip in dye. Read how rit dye saved my favorite black dress shirt in this post.
15. Eat out of your pantry. Take it on as a challenge. Eat what you have on hand in your pantry. You will be surprised how many meals you can make out of what you already have on hand. Can you go three days? A week? How much money would that save you?
16.Buy 1/2 gallon of milk. My farmer friends just fainted but it is the truth. If you only use 1/2 gallon in a week and the rest goes bad why buy it? Or if you are a growing family that doesn't use a full 2 gallons buy 1 1/2. They make different sizes of milk for a reason.
17. Use your library. Libraries are chock full of FREE books. Your taxes paid for them so go read them. Many libraries now offer e books to borrow. If you are looking for an e-reader that I would recommend check out my review of the Kindle Paperwhite that I reviewed for Viewpoints.com as part of their blogger review pannel. We loved it so much we bought one for our daughter for Christmas.
18. Bathroom Cleaners. Make your own with what you already have in your house. I am NOT fan of cleaning..bathrooms or any other room in my house. But I found a pin on Pinterest about easily cleaning your bathroom with a solution of household items. Check it out HERE. It works…no lie.
This is my no means a complete list of ways to pinch pennies. But I just got to thinking on how we save money on a daily basis in our household. This should give you some talking points and some ideas to get you started.
What would you add to the list? What is one thing you do that has an impact on your budget?
Follow How I Pinch A Penny .com's board How I Pinch A Penny ~ The Blog Posts on Pinterest.


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Globe Trot: Obama's 'Three Amigos summit' party foul
MEXICO: The "Three Amigos' summit" is underway—and President Barack Obama is that guy, the one who forgot to bring the beer cooler. As the president meets with Mexican President Enrique Pena Nieto and Canadian Prime Minister Stephen Harper, his decision on the Keystone XL Pipeline is in limbo, along with immigration reform and political support for North American trade.
UKRAINE:Kiev is in flames. The latest violence started yesterday when protesters dug in as police attempted to move them out. At least 25 protesters have been killed. German Chancellor Angela Merkel has just backed targeted EU sanctions against authorities for the violent crackdown. Most media have been shut down but one livestream from Espreso TV shows the flames and the crowd's determination.
IRAQ: At least 49 people were killed in bomb blasts in Baghdad Monday night, as the army fights al-Qaeda-linked militants in three cities and worries of an all-out return to war grow. Ahead of April's parliamentary elections, influential Shiite leader Muqtada al-Sadr says he will withdraw from politics, calling Iraqi Prime Minister Nouri al-Maliki (also Shiite) "a dictator and a tyrant."
Maliki is trying to make his case for international cooperation in the fight against terrorism, writing in Foreign Policy: "The terrorism we face is transnational in nature, and defeating it will require international collaboration, including a strong partnership between the United States and Iraq."
NIGERIA: Each day this week we're receiving new reports of violence and attacks on Christians in northern Nigeria, where at least 200 civilians have been killed in the northeast provinces under siege by Boko Haram.
SOUTH SUDAN: At least 26 NGOs have sent a letter to Secretary of State John Kerry calling for greater support of peacekeeping efforts in embattled South Sudan and Central African Republic. Rebel forces within South Sudan continue to fight for control of the key oil town of Malakal in Upper Nile state. A glimpse of the tragedy unfolding comes from a physician working in South Sudan:
"I sat with Pastor Bulus again last week at his home, and in the course of our conversation he pointed to his neighbor's village. A couple with six children, wife pregnant … they had gone to the state capital Malakal a couple of weeks ago. In the chaos of the night-time rebel attack on the town, they climbed aboard one of four boats that set out across the Nile at that time. But three of those boats capsized in the dark of the night. Their boat flipped. Father grabbed the 3 older children and swam for shore, while very-pregnant Mom grappled for the 3 babies. At last, the parents made it to shore, with only the older three children; the babies perished in the river. Their distraught mother crawled onto the beach, labor pains began, and she soon gave birth to a living, healthy baby. I found myself speechless, trying to imagine the aching pain of such difficulty, heartache, and conflicting emotion. This is truly a time of deep trial for the people of South Sudan as their hopes and dreams are being dashed, this time by their own leaders."


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Mr. Gamez was born Oct. 10, 1956, in Beeville to Eloisa (Hawkins) and Jose G. Gamez. He was a truck driver by profession and a member of St. James Catholic Church.
He was preceded in death by his parents; a daughter, Judy Gamez; a son, Joseph Gamez; a brother, David Gamez; and a grandson, Damian Hernandez.
Survivors include seven daughters, Erica Rivas of Richmond, Va., Monica Rivas and Danielle (Larry Foria) Gamez, both of Fort Worth, Crystal Dye, Victoria Gamez, Amanda Rose (Raul Casteneda) Gamez and Cindy Gamez, all of Beeville; six sons, Ivan (Tina Aleman) Rivas of Fort Worth, Christopher (Crystal Gonzales) Gamez, Victor Gamez and Steven Gamez, all of Beeville, Paul (Michelle) Bourjois of San Antonio and James (Lisa) Estrada of Los Angeles, Calif.; three sisters, Daisy (Michael) Weidel of Wheat Ridge, Colo., Della (Luciano) De La Garza and Brenda (Cesar) Huerta, both of Beeville; two brothers, Edward (Sofia) Gamez of Laredo and Ernest (Esmeralda) Gamez of Chicago, Ill.; 34 grandchildren; and numerous nieces and nephews.
The funeral service was held at 2 p.m. Thursday at Angelus Funeral Home, with Father Balaswamy Pasala officiating. Burial followed in Our Lady of Victory Cemetery #2.
Pallbearers were Edward Gamez, Victor Gamez, Christopher Gamez, Ramsey Gamez, Luciano De La Garza and William Galle.
Honorary pallbearers were Michael Weidel, Rocky Gamez and Ricky Rincon.
Angelus Funeral Home


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DRAGONFLIES PB (Natural World Series)
by Stephen J. Brooks
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Amazon.com Product Description (ISBN 0565091808, Paperback)Dragonflies and damselflies have lived on earth for hundreds of millions of years, and there are thousands of different species living in watery environments throughout the world. Their aerial agility and vivid colours make them easily noticed on sunny summer days. But few people will have looked beyond the flash of blue, red, green or yellow to consider the lives of dragonflies. From the fossil record, which stretches back to an astonishing 250 million years, to a discussion of the major human impacts that are threatening many of today's species to extinction. Steve Brooks takes the reader into the world of these fascinating insects. He introduces their complex lifestyles - from the ferocious larval stages, lurking amongst plants and debris in lakes and rivers, to their transformation into breathtaking adults swooping after prey or fighting rivals to defend their territories. He discusses how they evolved into masters of aerial predation, capable of travelling thousands of miles while on migration, and the complex reproductive strategies of courtship and territoriality. The imporatance of dragonflies is revealed as predators of insects such as mosquitoes, the adults of which transmit malaria, as well as their value as indicators of environmental quality. Also included are suggestions for projects that the reader can do to conserve dragonflies, like recording their distributions or digging a garden pond. "Dragonflies" is fully illustrated with colour photographs that reveal the beauty and hidden complexity of these intriguing insects.
(retrieved from Amazon Thu, 12 Mar 2015 18:17:22 -0400)
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May 26, 2016
Here's a unique vacation idea: how about spending part of the summer in a lighthouse?
The Dept. of Natural Resources is looking for volunteers to take guests on tours and perform other duties at the Tawas Point Lighthouse along the shores of Lake Huron.
You can stay there for just $250 per person per week. Living quarters include two bedrooms, a modern kitchen, and a bathroom.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or email@example.com.


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Tags1930s 1934 1935 1939 1940 1940s 1944 1945 1959 1960 1960s 1961 1980s 1984 1985 1986 accidents advertising agriculture business columns comics crime Editorials education entertainment food germany health History holidays Nation and World news odd opinion patriotica Photos politics sports style tragedy war weather world war II worthington
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Daily Archives: February 18, 2010
1960: Penney's Offers Budget Cottons
Penney's sold budget cottons in 1960 for up to $3.98. I can't help but love the style of these dresses, even if the ladies have inexplicably had their legs chopped off.
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1945: Lismore Man Gets Pilot Wings
Rufus Loebig, 22, son of Mathilda Loebig of Lismore, received his pilot's wings and was commissioned as a second lieutenant in 1945. Sorry about the darkness of the photo. Sometimes I can't make them better, but I thought Mr. Loebig … Continue reading
Tagged 1940s, 1945, air force, armed forces, army, lismore, our boys, patriotica, pilot, war, world war II 2 Comments
1935: Cinderella Wash Dresses and Georgiana House Frocks
Silverberg's had Cinderella Wash Dresses and Georgiana House Frocks in 1935, and if the dress pictured is any indication, they were lovely.


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I, Fellini
by Federico Fellini
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Amazon.com Amazon.com Review (ISBN 081541143X, Paperback)This lusty, high spirited book came out of conversations, conducted over the course of fourteen years, between Frederico Fellini, the reknowned director of of such landmark films as 8 1/2, and La Dolce Vita, and author Charlotte Chandler. The result is a work of astonishing candor, subtle wit, and brilliant insight into the mystery of motion pictures.
(retrieved from Amazon Thu, 12 Mar 2015 18:19:00 -0400)
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Two bodies were found in the desert west of Buckeye Thursday morning after a vehicle rolled into the desert near Baseline and Wickenburg roads, according to the Maricopa County Sheriff's Office.
The single-vehicle accident occurred after the westbound car crossed the center lane and hit the eastbound shoulder at an angle, causing it to roll, said Maricopa County Sheriff's Office spokesman Chris Hegstrom.
Both victims were ejected from the vehicle, Hegstrom said.
A Good Samaritan driver noticed the vehicle off in the desert and then found two bodies, about 90 and 120 feet away from the rolled vehicle, according to the Sheriff's Office.
The victims are a man and a woman, and authorities are working to identify them, Hegstrom said.
Hegstrom said the cause of the crash was still unknown, but officials believe speed may have been a factor. Officials have not ruled out drugs and alcohol as factors, Hegstrom said.