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Why Both Professor Zywicki and the Bankruptcy Legislation Are Wrong
A previous post outlined Professor Zywicki's position, which boiled down to its essence is this:
- - A lenient law (the 1978 Bankruptcy Reform Act) led to Chapter 7 bankruptcy becoming too easy.
- - This led to a gradual decay in personal morality reflected in an increased willingness to walk away from one's bills, and a reduction in social stigma as more people filed.
- - The reform law that passed the Senate (finally) tips the scales back properly towards personal responsibility.
I believe that Professor Zywicki's analysis, and the legislation that reflects this analysis, is flawed for four reasons:
- 1. By saying it hasn't changed much, it makes a factual error in ignoring the explosive growth of consumer debt in the past 12 years.
- 2. It fails to look at how the growth of subprime, unsupportably aggressive, and sometimes predatory lending have contributed to putting financially uninformed people in jeopardy.
- 3. It fails to consider how lenders have changed their tactics towards borrowers in trouble, making many bankruptcies a near self-fulfilling prophecy.
- 4. Perhaps most importantly in terms of the current legislation, it utterly fails to deal with moral failures of the financial services industry in the past 12 years or so, and by doing so, lets the industry off the hook for its share of the problem. (Note: Prof. Zywicki invoked "morality" first, so now it's fair game.)
1. Consumer (Non-Mortgage) Debt HAS Grown–a LOT
Zywicki claims that over the past 50 years revolving debt (e.g., credit cards) has substituted for installment debt (e.g., car loans), and that the overall levels of consumer debt have not changed much during that time.
This is the graph that he uses:
Now I have to wear reading glasses, but even without them I can still see that BOTH revolving AND non-revolving debt increased significantly starting in about 1993, from (following the blue line) about 16% to about 22%. That is no small increase.
Further, this graph masks the "payment-size problem." The percentages here are calculated by dividing monthly required payments by monthly income. The required payments for credit cards (the infamous "minimum payments") that are typically 2% of the outstanding balance at first substituted for installment debt (from the 1960s until 1993). But starting in 1993 they started piling up on top of installment-debt payments, which are usually a much higher percentage of the outstanding balance. Total balances owed (as opposed to required payments) have therefore gone up to an even greater extent during the past 12 years than the graph indicates.
To look at the situation properly, you really should push the green revolving and the blue total lines a lot higher by using "reasonable" payments against card balances (4%-5%) instead of the minimums. Now stay with me here–doubling the payments on revolving credit to reflect reasonable instead of minimum payments would change the percentage of income that "should" be devoted to revolving payments (the green line) to about 18% of income in 2003 and 2004 and the total reasonable payments against all debts (the blue line) to about 31% for those years. Also, note that we're only dealing with payments here; interest rates, which have gone down in the past 12 years, are irrelevant to this graph.
So something must have started happening in 1993 that went beyond what I'll call the "consumer morality effect" that Zywicki cites as THE reason for the bankruptcy explosion. Just to make things easy, let's concede the "consumer morality effect" (even though I really don't-see the first UPDATE below) for the period from 1978, when the law changed, until 1993 (15 years would appear to be plenty of time for consumer morals to decay, don't you think?). Some might argue that the 1980-1983 recession was unusually harsh and heralded a partial dismantling of the safety net, but we'll ignore that for the moment.
Let's look (the graph is from one of Zywicki's papers):
Bankruptcies (including Chapter 13s) went from roughly 3 per 1,000 families in 1978 to about 9 per 1,000 in 1993. You can even see that in 1994 and 1995, per-family filings went down, perhaps indicating that the "consumer morality effect" was (excuse the term) maxed out.
What happened from 1995 until now to increase filings to 14 or 15 per 1,000? See Points 2 and 3.
2. The Rise of Subprime, Unreasonably Aggressive, and Predatory Lending.
Let's be frank: lenders have been reckless during the past 12 or so years.
Here's just some of what has happened:
- - New subprime mortgages grew from $40 billion in 1994 to $332 billion in 2003 (go Here, and look at Page 7 of the October 29, 2004 report [Page 10 sequentially], for a graph that contains most years). About 10% of all new home loans were subprime. The 2003 subprime figure would represent well over 2 million loans if the average amount loaned were $150,000.
- - Subprime and "near prime" vehicle loans, which can have rates as high as 14%-25%, and again which basically didn't exist in the early 1990s, are a significant percentage of all car loans. Subprime vehicle loan volume was $23.8 billion in 2002, up from $2 billion in 1994.
- - Payday lending, which in all but the rarest of circumstances is purely predatory, and which again basically didn't exist in the early 1990s, has grown to at least 14,000 nationwide locations (plus the Internet). That's more locations than McDonalds.
All of these represent lending that ignores most normal underwriting standards. This lending, which can only be described as irresponsible (dare we say "immoral") has been the main force driving the rise in bankruptcies from the mid-1990s until now.
Yes, this is tough to prove but in light of the following I would think someone has to DISprove it:
- In June of 2003, almost 6% of subprime mortgages were over 90 days delinquent (vs. less than 1% of conventional mortgages). A rather large PDF with this info is here
Folks, these are foreclosures or bankruptcies waiting to happen. And how many more were "only" 60 days or 30 days past due, with foreclosure and/or bankruptcy just around the bend?
3. The disgraceful deterioration in how borrowers in trouble are treated.
Zywicki cites distant impersonal banks as opposed to the local and personal ones of the past as a reason why consumers don't feel too badly about walking away from debts. I would submit that lenders carry much more blame here for the tattered relationship:
- - The average late fee has gone from roughly $13 to $33 in the past 10 years. $39 is not at all unusual.
- - In the same time period, the average overlimit fee has gone from roughly $13 to $30. (Aside: The only way to go over the limit is for finance charges to put you there. Any attempt at an overlimit purchase gets stopped. So other than to rake in "gotcha" money, why do these fees even exist? Oh, and did I tell you that one incident of going over the limit will normally generate TWO overlimit fees?)
- - If your credit score is sliding, you can just about forget about forgiveness for being one day (or one hour) late with your payment.
- - "Universal default" means that if you're late with any lender, you'll be treated as late with all of them, and probably get smacked with penalty rates by all of them. Penalty rates now average over 26%.
- - Finally, lender "fair-share contributions" to credit-counseling agencies have declined sharply in the past few years, and lenders are less willing to lower rates and reduce balances for those who go into counseling.
The total effect of all of this heavyhandedness has been to cause more of what the lenders are complaining about (bankruptcies) to occur, and has led many otherwise reasonable to people to say "The heck with them. We're filing" (actual language used was cleaned up).
4. Because of Points 2 and 3, the financial industry is at least as morally responsible as consumers for the current situation, and probably moreso.
This final point simply ties back to what I wrote when I first posted on the topic a little over a week ago:
One of my core beliefs is that if you are in business and conditions give you a chance to rip off the uninformed without penalty, you still don�t do it. "It's their fault for being so stupid" doesn't cut it. There will always be opportunities to shortchange the ignorant, but anyone with a "do unto others as you would have them do unto you" outlook on life would not capitalize on ignorance.
The financial industry, like the moneychangers in Biblical times, have totally failed the "do unto others" test. (You know, the "moral" standard that the Professor Zywicki has told us almost all Chapter 7 bankruptcy filers are failing.) Passing the Bankruptcy "reform" legislation in its current form will let them avoid current and future accountability for the lending mistakes they made.
I will suggest what I would do to try to fix the system to rein in lenders and (to a lesser extent) consumers, and ask for ideas from readers, in a future post.
UPDATE: Just to be clear, I personally DON'T think (but can't prove) that the rise in bankruptcies from 1978 until 1993 (from 3 per 1000 to 9 per 1000) was entirely (or even mostly) due to the "consumer morality effect." I don't deny its existence, but the other factors that Zywicki dismisses, especially divorce, could very well have played a more important role. Divorces with large amounts of unsecured debt, especially situations where one spouse stuck the other with unmanageable debts leading to bankruptcy, were virtually unheard of until high-limit credit cards got into the hands of the majority of the population, which didn't happen until mid- to late-1970s. I also noted that the severity of the 1980-1983 recession and the slight weakening of the social safety net that followed it (to name just one example, unemployment benefits becoming taxable) may have contributed to the 1978-1993 rise.


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Police say the man was struck while crossing the road at about 10 p.m. by a white sedan. He was treated at the scene by emergency personnel before being transported to an area hospital.
He is currently in stable condition.
Investigators are searching for a suspect, and ask anyone with information to call the Kent Police Department.

subset: commoncrawl


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Exclusive: Martial Artist Zheng Liu's Back Alley Brawl in This BLOOD MONEY Clip
The upcoming martial arts film from first time writer-director Gregory McQualter brings together the legendary Gordon Liu, pop star Pitbull, and introduces martial artist Zheng Liu in this Australian production. According to the press release, the film uses no CG and no stunt men.
Blood Money hits DVD next week, and we've got an exclusive clip of Zheng Liu in action. What do you think--do we have a new star in the making?
Here's the synopsis:
BLOOD MONEY introduces American audiences to the martial arts sensation Zheng Liu, often called "the next Bruce Lee," and features world-famous rap star Pitbull and Hong Kong film legend Chia Hui Liu aka Gordon Liu (Kill Bill 1 & 2). When a powerful Shaolin warrior (Zheng Liu) turns to crime after his parents are killed and sister kidnapped, the drug cartels of America, Australia and Hong Kong are about to feel the sting of the world's deadliest hitman.
Blood Money hits DVD on August 28th, with a VOD release on September 4th.
Around the Internet:


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Good morning everyone,
It sounds like you still have a difficult time, tt. I am so sorry for that. I love the idea of the truck with M&Ms for pumpkin.
Hat and CT-DC, re Loseit! - it is the easiest diet, I have ever been on. From your posts it seems you eat sensible enough. If you really want to lose a few - just try Loseit! and see how you do. You just log in what you eat, and the system will do the rest for you. They give you a "budget" of calories every day, so all you have to do is stay below that, and you are sure to lose.
tt, just a thought re your baby shower gift. I find BabiesRUs is way overpriced. Try to look on line for the same item. Target f. ex. often have the same baby items for a much lower price.
Have to get ready for my PT. Will check in later. Have a good day all.


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We have a simple report done and want to have it redesigned in another format but have it produce the same look. It was done in InDesign which we have the files for however we are experiencing issues with it in our browser based PDF viewer (Word Search function doesn't work) We have a few options… (Budget: $30-$250 AUD, Jobs: Brochure Design, Graphic Design)
Comments Off on InDesign or Redesign work. by ozeit
InDesign or Redesign work. by ozeit
114 total views, 1 today


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Nicole Kidman Lifts Up Her Shirt To Prove A PointSassy Smith
Nicole Kidman and husband Keith Urban have both said they would love to have more children together. However, despite photos that sort of looked like Nicole was pregnant with her second baby with Keith, they want it known they are not expecting.
Photo link after the jump
While on the set of her new flick Rabbit Hole, Kidman, 41, lifted up her shirt (on July 2) to show off her flat tummy to paparazzi, to prove once and for all that she's not pregnant. You can see the photos of Nicole showing off her belly.
Husband Keith issued a statement recently, to end speculation that his wife is pregnant (unless he's lying of course). Oh well, guess no younger siblings for Sunday! She does have a big brother and sister, Connor and Isabella (Nic's kids with Tom Cruise).
The denial before the confirmation? Maybe.
Related Posts:
Nicole Kidman Is NOT Pregnant!
Nicole & Keith Can't Agree On More Babies?
Sunday Rose Has Some Serious Pipes!
Aw, Look At Nicole Kidman's Baby Bump!
Nicole Kidman NOT Pregnant (But She's Fibbing)
Sunday's Getting A Sibling? (PHOTO)


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Hello all, this is my first post and TR on a.net. I've always wanted to do one of these. First, a disclaimer and apology...the pics were taken discreetly with a cell phone camera, and leave a lot to be desired.
I currently work in Ulsan, Korea, and was asked at the last moment to attend a job-related seminar in Seoul. The one saving grace for this unplanned Sunday business trip was the opportunity to fly. So, after a long night of mosquito-induced tossing and turning, I awoke from my unsettled sleep to what otherwise would have been a glorious Sunday morning in the Land of the Morning Calm.
Please check your spelling (press "Check Spelling" above)
©Copyright 2016 Demand Media, Inc. All Rights Reserved


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By: A.K. Anderson
Number of Reviews: 1179
Average Score: 66
This site is closed.
This site is closed.
Camazon defines itself as an adult-oriented webcam personals site. Basically, this means it is a 'dating/personals' site with a focus on users being able to use webcams in order to view each other. You do not need a webcam to use the site, but it does mean you will be missing out on a part of the experience.
The best way to begin is to create your profile. Fill out the form, add a picture(s) and try to be as thorough as possible. In the short time I was on, I chatted with a few women who said they would be up for meeting in person, but felt that I needed a fuller profile and a picture (if not a web cam) in order for them to see more before hooking up.
After you have created your profile, it is time to check out who else is on the site. To do that, Camazon provides a variety of search options that will let you browse through all the other members of the site. Search the newest members, members in your area or do an advanced search and pick the criteria you want to filter.
You can send little flirts to members, add them to your favorites or send them an email. Next you can head into the video chat rooms and talk to people that are online right now. Some have cams on and some don't, and you can chat in the room or send private messages to anyone that interests you. The quality of the cams varies depending on the person. Some I saw looked great and others were pretty bad. In the chat rooms and on cam anything goes, and I saw some very regular conversations and others that got very sexual.
If you don't feel like chatting, but want to see some amateur porn, then there is a 'home videos' sectionwith over 1200 clips. This is the place where they put videos sent in by actual members (you can upload yours also of course). Men and women send in videos and these cover everything from masturbation, dancing, sucking, fucking and other stuff (one clip I saw was of a guy fucking a rubber pussy and then cumming on the table).
The videos play in a on-site flash window and are mostly very short and the quality is generally mediocre. However, if it is true made-at-home porn you want then this is it. As for pictures, most members seem to have at least one picture on their profile.
It is free to sign up to Camazon, but that free membership only lets you search the members, send a flirt and add people to your favorites list. If after a little browsing you want to take full advantage of the site, you are going to have to pay.There are two membership levels: silver and gold. Silver is a fine option and you can always upgrade to gold in the future. With the gold membership, you get listed above other members in search results, you can start your own video chat room, you can view high-res content where it is available and you get bonus content – so there are advantages.
There seems to be a lot of members on the site and from what I could see there are a bunch that look to be active online and in the chatrooms as well. As with all sites like this, there are going to be fake profiles and inactive members. However, if you are looking for home-made fun, true amateurs, chatting and the possibility of actually hooking-up, then Camazon looks like it is worth checking out.
* Please include a pro and a con about the site. Balance is essential in making a comment worthwhile. Scores without comments will be deleted.
* Watch out for ratings of zero and 100. In our opinion, there is no such thing as a site that is absolutely perfect or completely worthless.


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I had been using betareg previously on an older version of R (2.13 I think) prior to upgrading to version 2.15.0 (I'm running Ubuntu so I simply added the UCLA mirror to my sources.list.) Now things don't work. Here's a sample dialogue with the prompt:
> require(betareg)
Loading required package: betareg
Warning message:
In library(package, lib.loc = lib.loc, character.only = TRUE, logical.return = TRUE, :
there is no package called 'betareg'
> install.packages("betareg")
Installing package(s) into '/home/tim/R/i686-pc-linux-gnu-library/2.15'
(as 'lib' is unspecified)
Warning: unable to access index for repository http://cran.sixsigmaonline.org/src/contrib
Warning message:
package 'betareg' is not available (for R version 2.15.0)
I'm not really sure what to do. Ideally I would be able to use this package in 2.15 (as I'll soon be working on a remote server using it - I am not admin.) However, I would appreciate hearing of any fix that comes to mind. Thanks.
edit: Sorry to the CrossValidated folks for mixing things up.


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Food truck owner buys Coney Island Texas Lunch
SCRANTON — Coney Island Texas Lunch restaurant on Cedar Avenue has a new owner.
Southwest Savory Grill food truck owner Brendan Bell purchased the 91-year-old business from Tom Moran. Mr. Bell said he took over on Friday.
"The business is going to run the same as it has for the past 91 years," Mr. Bell said. "The secret sauce is still a secret."
Mr. Moran put the business up for sale in September. The asking price of $550,000 included the real estate and the secret chili recipe. Mr. Bell declined to say how much he spent to buy the business. The real estate sold for $235,000, according to the county recorder of deeds.
Mr. Bell will operate the Southwest Savory Grill food truck as a separate business. He does not plan to introduce the truck's food to his new venture.
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Games gender equality draws nearer
Samantha Lane The 2020 Olympics have been earmarked as the summer games where female athletes will have equal opportunity for the first time.
Olympic ticket requests open to Aussies
Australian sport fans keen to head to Rio next year and watch the Olympic Games can now start requesting their tickets.
All dressed up ... in a uniform he doesn't like: Olympian's opening ceremony outfit misery
Georgina Robinson Few Australian athletes liked the green, white and grey Olympic opening ceremony uniforms in Athens eight years ago. But no one dared voice that opinion in public.
Your daily guide to the 2012 Olympics
Worried you'll miss something at the London Games but too busy to study the schedule?
Live coverage: London Olympics Day 2
Phil Lutton Live coverage of all the action of Day 2 of the London Olympics.
Six events to watch: Tuesday 31 July
Scott Spits All eyes on Michael Phelps. The great American shocked the world on the opening night in the pool.
The Aussie battler who broke British hearts
Daniel Sankey If asked to frame a market on who would feature in the canoe slalom final at the Lee Valley White Water Centre, the Brit would have been unbackable. The Aussie? You could have written your own ticket.
Australia's silver Fox keeps it in the family
Tim Barrow BECAUSE of the intervention of her father Richard 12 years ago, Australian teenager Jessica Fox had a silver medal around her neck yesterday.
Family opened gates on Fox's way to silver medal
Tim Barrow AUSTRALIAN teenager Jessica Fox can thank the intervention of her father, Richard, 14 years ago, for the silver medal she wears around her neck.
Silver Fox lives up to canoeing pedigree
Tim Barrow Coming from the finest of paddling pedigree, Australia's Jessica Fox fulfilled her potential at the age of just 18 this afternoon by winning silver in the K1 canoe slalom final.
Live coverage: London Olympics Day 4
IT'S Day 4 at the London Olympic Games. That concludes our live coverage. Join us again from 5.30pm (AEST) tomorrow for day 5.
Live coverage: London Olympics Day 10
Daniel Sankey Australia has been waiting nine days for its second gold medal of the 2012 London Olympics — finally, that wait could be over today with Tom Slingsby sailing for gold in the Laser class.
'You get used as a political pawn': Kiwi canoeist hits out at officials after Olympic exit
New Zealand's outspoken kayaker Ben Fouhy ended his career with one final explosion on Monday, a foul-mouthed rant aimed at his country and its canoeing system after he crashed out of the London 2012...
Paralympian in bid to overcome injury
Stathi Paxinos Jessica Gallagher seeks to become first Australian to win medals at winter and summer Games.
Live coverage: London Olympics Day 11
Daniel Sankey Day 11 at the London Olympics is the day our golden girls, Sally Pearson and Anna Meares, take centre stage.
Live coverage: London Olympics Day 12
Phil Lutton Gold medal drought? What gold medal drought? Thanks to Sally Pearson and Anna Meares, we've put those dark days behind us ... and today, there's more gold to come.
Live coverage: London Olympics Day 13
Daniel Sankey Gold on the water, and gold in the water? It's a very real possibility for Australia today — a day in which Usain Bolt will also try to make history in the men's 200m final.
Quick go the cheers from sheep to shore for farmer and flock
Rupert Guinness Every day during the Olympics, Michael Craig tends his sheep as he has for 10 years. But when he hears the roar of the 26,000 crowd at the Games rowing and canoe-kayak venue, he will stop and look...
Kookaburras suffer semi-final heartache again
Robert Dillon Australia's hockey campaign has ended in heartache for the second successive Olympiad after the Kookaburras were upset 4-2 by Germany at London's Riverbank Stadium yesterday.
Golden boys can be oarsome for their sport, too
Rupert Guinness AS Australia's Olympic gold medal winning men's K41000 crew bathe in their glory, hopes are rising that they will be able to do for canoe-kayak what the Oarsome Foursome did for rowing.


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Laura McCutcheon of California's Ukiah Daily Journal reports that Ukiah, CA-based metal band DEFINITION UNKNOWN (MySpace) won round one in a national contest, but band members lost something near and dear to them in the process: their equipment.About the same time the announcer of "Boot Camp" — also known as round one of the Bodog Battle of the Bands, held earlier this month at the 12 Galaxies in San Francisco — informed the group they'd won first place, their van, parked around the corner with $10,000 worth of musical equipment inside, was stolen, drummer Tommy Shannon said. "We lost every single guitar, including the bass. We lost all of our guitar amplifiers, one speaker cabinet, my kick pedals, my snare drum, two snare stands, a Roland TD-6 drum machine, one drum pad trigger, two China cymbals, and two cymbal stands ... Dennis' guitar amplifier alone was worth $1,800," Shannon said, adding that most of the guitars were worth about $1,000 each. "It's ridiculous how much they got," he said. "We can't even practice right now." Read more at www.ukiahdailyjournal.com.
California Metal Band Wins Round One In National Contest, Gets Ripped Off
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2014 Texas Football Preview: The Longhorns are coming off a season where they beat their big rival by 30+, but got handled in the Alamo Bowl. It was a mixed bag, and when the dust settled at the end of the season, Mack Brown had been asked to step down as head coach. In his place now sits Charlie Strong, who led Louisville to an Orange Bowl win only two years ago. Strong has cleaned house of a bunch of players that didn't fit his mold of a football player, so we'll see a completely new Texas team this fall. The Longhorns didn't lose too many of their top guys to graduation, but they did say bye to Jackson Jeffcoat, Case McCoy and Mike Davis. Malcolm Brown and Jonathan Grey will likely be the focal point of the offense, which will be presumably led by David Ash once again. Texas found its defense halfway through the season, and if they can both run the ball and have that top defense once again, they could be players in the Big 12. The Horns kick off the season at DKR on Aug. 30 with a game against the North Texas Mean Green, and host BYU the next week. Key games in the season include a neutral-site contest with UCLA, the big rivalry game against Oklahoma in Dallas, and games against Baylor on Oct. 4 and Oklahoma State on Nov. 15.
2011 Texas Football Preview: In Texas, football is not taken lightly, and the Longhorns finishing 5-7 in 2010 was just not acceptable. Other than Mack Brown coming back for his fourteenth go-around in Austin, the team is looking completely different, with six new coaches and an offense looking for a major overhaul.
Last year's starting quarterback, junior Garrett Gilbert, has felt the wrath of a sub-.500 season, as his name is not atop the depth chart. He is in a battle for his job against sophomore Case McCoy, redshirt freshman Connor Wood and true freshman David Ash. Behind whoever ends up QB will be a mix of last year's leading rusher, senior Cody Johnson, and senior Fozzy Whittaker, who will look to stay healthy and earn the main job.
Defensively, the biggest offseason news is the addition of coordinator Manny Diaz. He will be looking to shore up a D that had dropped from first to 44th in the nation last year. Senior defensive tackle and honorable mention All-Big 12 selection Kheeston Randall will be looking to help Diaz tackle the task, along with senior linebacker and second-team All-Big 12 selection Emmanuel Acho. However a team who had three of its playmaking cornerback leave for the NFL will have its challenges. If freshman Quandre Diggs, who was the top high school corner coming out in 2010, makes the impact he's expected to, Longhorn fans should expect a quick return to the top in 2011.
2010 Texas Football Preview: Texas' sophomore quarterback Garrett Gilbert had to grow up quickly last season when he was thrown into the BCS Championship game after four-year starter Colt McCoy left the game after just five plays. With Gilbert at the helm full-time after McCoy's graduation, the Longhorns may experience some transitional bumps this season.
With McCoy as quarterback, offensive coordinator Greg Davis employed a pass-first offense. While Gilbert certainly has a strong arm, the graduation of wide receiver Jordan Shipley has caused Davis to plan on using a more run-oriented attack this year. The Longhorns averaged a pedestrian 4.0 yards per carry in 2009, but sophomore running back Tre' Newton has the talent to greatly raise that figure.
Texas ranked third in the nation last year in total defense, and first against the run. Although the squad lost five starters from last year, there are plenty of talented replacements, like defensive tackle Kheeston Randall and linebacker Keenan Robinson.
The expectations are always high in Austin, and they might fall a little short this year. McCoy was an important member of the team for many years and will be sorely missed. Texas will still be among the best teams in the conference, but a national title might be a bit of a long shot.
2009 Texas Football Preview: Head Coach: Mack Brown The 2009 Texas Longhorns should be one of the top teams in college football. Head Coach Mack Brown's Longhorns return a talented lineup that is led by Heisman trophy runner up, Colt McCoy. Joining McCoy on an explosive offense is 6th-year wide receiver Jordan Shipley, game breaking wide receiver Malcolm Williams and emerging stable of talented running backs. Expect Colt to put up big numbers on offense again this season, which should translate into wins for the Horns.
The two biggest impacts on Texas defense should be the return of Defensive Coordinator Will Muschamp and his star linebacker/defensive end Sergio Kindle. In 2008 Muschamp took a talented group of players and transformed them into one of the most aggressive defenses in college football. If Muschamp's youthful secondary and Kindle play up to their potential, then Texas will be giving opponents nightmares all season long. The Horns have their sights set on a return trip to the Rose Bowl for the BCS Championship Game, and they are one of the favorites to get there.
2008 Texas Football Preview: Head Coach: Mack Brown The 2008 Texas Longhorns are ready to fight back up the ranks this season, coming off of a 10-3 record from last year. Coach Mack Brown and the Horns will be missing a few key players this year, notably: Jamaal Charles, Limas Sweed and Jermichael Finley, who largely contributed to the offensive success of the Longhorns last season. With Colt McCoy returning as a junior this season, the Horns can look to the now experienced QB for some crucial tosses in 2008.
The Longhorns will have to best Oklahoma to rout it out in the Big 12 this season. The key for Texas will be whether or not they can bring back their defense. In 2007, Texas sported the seventh worst defense in school history - a figure that will not support a winning streak for the Horns this year, especially as several key offensive players have graduated or moved on to the NFL. Texas is geared-up to go eight straight seasons of 10 wins or more, all you have to do is make it to the game and get your Horns up!


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Check out my new iOS Development Blog:
iOS Development: You're Doing It Wrong
Or my Personal Blog
I'm fairly active on Stackoverflow:
You can email me here:
British software developer based in London
Hi. I'm a mobile software developer currently working for Bloomberg in London.
This page used to contain information about my freelance work, but I am now employed full time.
There isn't much here at the moment, sorry.


text: workshop Archive When Selling a Home, Don't Forget About the Garage! Posted in Staging Tips by Blog Contributor By Charlene Storozuk, guest contributor Being the car enthusiast my husband is, when we were shopping for our home, the first thing he wanted to see was the garage. After checking it out, some of the homes would only... Read More → By Blog Contributor February 3, 2014 Staging Tips


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Real Estate Law
Have Real Estate Law Questions? Ask a Real Estate Lawyer.
first of all,
my Va loan did not get approve from the bank. Because the bank had needed proof of my 2 checks from me.
Also, I had did a walk through. I had notice that the second and third floor air condition did not work. All of this was during closing/settlement time
Yes. I had visit the house two time on June 13, 2013. Also, I had visit the house on contract ending date 14JUN 2013.
All three time the A.C. was not working.
The bank Lender: June 14-15, 2013
My underwriting manager is willing to accept a signed statement by you confirming you have not borrowed any money. Please let me know which is easier for you – copies of the checks from NFCU online, or a written statement. Please let me know if AC issue is resolved to your satisfaction and that you are going to closing.
Bank Lender on Jun17, 2013:
You need to speak with your attorney on this property first. Any letter I would write would be contingent upon successful release from this contract. If you decide not to close on this property, I am worried you may encounter considerable liability. Sellers and agents may well pursue legal action against you. Please do speak with your attorney to make sure you are protected and safe to walk away before you do so.
I had told the agent that I did not need a home inspection.
But I did not turn down the walk through.
Will I be able to terminate this contract. Also, will I get to keep my deposit money.
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Relist: Other. line was disconnect
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DHS to share aviation info with Israel
In a new partnership, the Department of Homeland Security and Israel signed an agreement this week to work together to share information more quickly about civil aviation incidents.
"The real-time exchange of information with our international partners is critical to our efforts to enhance overall global aviation security," said DHS Secretary Janet Napolitano. "This agreement will allow the United States and Israel to better coordinate on, and respond to potential aviation security incidents to strengthen our mutual safety."
The near Christmas Day bombing over Detroit spurred this new agreement, one of a number of initiatives being implemented to deter terrorists from carrying out their missions.
Speaking with Napolitano, Israeli Transport and Road Safety Minister Israel Katz said the new agreement will "further improve the effectiveness of the cooperation between the respective civil aviation security authorities." However, some experts warn that it may not be enough to stop any terrorist attack.
Tom Kellermann, vice president of security awareness at Core Security Technologies and former senior data risk management specialist for the World Bank treasury security team, told nextgov.com that "nonstate actors and terrorist groups are mobilizing in cyberspace."
"The virtual arms bazaar of hacking capabilities forces the United States and Israel to implement true defense in depth strategies," Kellermann continued. "That includes penetration testing of applications that feed data to international partners, two-factor authentication and techniques to verify the identity of anyone accessing network applications, and enhanced dynamic forensics for identifying potential intruders."
For more on this new aviation agreement:
- see this nextgov.com article
- read this DHS press release
Related Articles:
TSA develops new screening tests
TSA cracks down on overseas travelers


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Stewart Younger of Dover will spend the next 25 to 30 months in prison after he pled guilty to charges of violating sex offender registration laws in Craven County, according to a release from the District Attorney�s office.
His sentence was determined during a recent session of the Craven County Superior Court under Judge W. Allen Cobb Jr.
The 42-year-old man was convicted in 2005 of taking indecent liberties with a minor and was thus required to register as a sex offender and keep the sheriff of his county informed of his current address. However, in 2010 Younger moved out of Craven County, moving to Pennsylvania. There, he was charged with sex offender registration requirements.
He was extradited to North Carolina, where he was charged with failing to report a change of address.
Once out of prison he will again have to register as a sex offender.
The district attorney reminded local residents that the North Carolina Sex Offender Registry is available online at http://sexoffender.ncdoj.gov.
Location, ST | website.com


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Out of State Transfers DMV
We offer Out of State Transfers in San Diego instead of the hassles of the DMV.
Do you need an out of State Transfer DMV service? Are you putting it off because like most of us, you hate the idea of standing in DMV lines? If so, you will be very glad you found us. We cater to busy professionals and to those who enjoy and expect excellent service. Now you can make one quick call, and get any out of State transfer DMV services handle quickly, professionally and without stress. This is one service you will thoroughly enjoy and appreciate, as the DMV becomes nothing but a distant memory. Call today to get your out of State transfer DMV service handled!.
Call or visit us today! (858) 270-1471
4 reasons to love us
- we doYES
We Take Credit Cards
We accept all major credit cards. Right here on site.
In-And-Out Service
We will have you done in a jiffy!
Average time is less than 15 minutes.
Full-Service Concierge
For clients who have no time and a little extra money, we can come to you.
Help for out of State Dealerships
Easy convenient service for out of state dealerships servicing California vehicles.
2 Great Locations
Pacific Beach
1890 Grand Ave
San Diego, CA 92109
Ph# (858) -270-1471
Hours: 9:00am to 6:00pm
Sat: 10:00am to 2:00pm
Sun: Closed
Camp Pendleton
11002 T Mainside
Camp Pendleton, CA 92055
Ph# (760) 385-5200
Hours: 9:00am to 6:00pm
Sat: 10:00am to 2:00pm
Sun: Closed
4 Real cool Testimonials
Karl Z - Really helpful & you don't have to go all the way to DMV!! The lady who runs this place is a powerhouse. She gets things done fast. It may cost a few bucks more but avoiding the hell that is the DMV is worth it!
Monica S - The gals at Finest City Registration were so helpful, and easy to deal with, Thank god I have found a new and easier way to deal with DMV related stuff.
Jennifer S - The girls here were very helpful and knowledgeable. I was able to get a few things taken care of with out the wait of the DMV. I highly recommend their services. Thank you again Finest City Registration for your great service.
Dennis L - Thank you so much for handling all my DMV stuff Shandra. Your team makes the whole process easy. See you guys next year! and...You ROCK!


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Student and Departmental Account Services
Services for Faculty and Staff
Student and Departmental Account Services is the central billing and collection point for Lewis & Clark student accounts. We also perform services not directly related to students. We strive to provide highest quality of services to all our customers. These services include: process all funds received by the institution, cash checks, disburse reimbursements, facilitate the sale copy cards, and printing paper.
General Payroll
If you have not elected direct deposit, general payroll checks/advice of deposit are automatically mailed the last working day of each month.
Please visit the Human Resources General Payroll page for details regarding payroll procedures and forms.
Student employee pay day is the 10th of each month. Please visit the Human Resources Student Payroll page for details regarding student payroll.
Reimbursements and petty cash requests under $50 can be received in the form of cash at Student and Departmental Account Services after the request has been approved by the Business Office. We require a photo ID and ask for a signature of receipt before releasing any funds.
Reimbursements and check requests of over $50 are issued either via electronic payment or via paper check. Accounts Payable processes requests once a week. Payment via paper check may be retrieved from Student and Departmental Account Services. Please review the Business Offices' Accounts Payable page for information about when checks will be available for pickup.
For a summary of Travel and Entertainment Reimbursement procedures and forms, please visit the Business Office Travel and Entertainment Page. For a discussion on reimbursements, please visit the Business Office Accounts Payable page.
Requests to reissue a refund or reimbursement will result in a $15 fee on your Lewis & Clark account. Verify Lewis & Clark has the correct preferred mailing address on record in order to avoid a lost check, or preferred bank information on record in order to avoid a failed electronic funds transfer.
Submitting Deposits and Payments
Non-cash deposits and payments can be submitted to Student and Departmental Account Services through campus mail, at our service window, or placed in our drop box located in lower Templeton. Cash deposits and payments must be submitted in person during our hours of operation at our service window. All deposits must include Student and Departmental Account Services deposit slip with the following completed information: department name, eleven digit account number(s), total of each method of payment, description of deposit, and contact information. Checks delivered 6 weeks past the written date on the check will not be accepted. Checks must be in US dollars made payable to Lewis & Clark.
Need to:
Set up reimbursements via electronic payment?
Purchase a parking permit or Tri-Met pass?


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Meet and Communicate with Fun Singles Near You on JDate
Register now to search thousands of members and post your FREE profile!
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I like all sports,oldies music,walking,long drives.
loup14 is a 67yr-old single man in Cliffside Park, New JerseyView Profile


text:
Here we modify battered, crappy cars—like this 1988 Oldsmobile Delta—in just four weeks using "a few motors, potentiometers, a Compact RIO embedded controller, and LabVIEW," which get connected to the iPhone using Wi-Fi. And then we strip out the doors for fun. And we ride it on top of its roof. Hopefully to an In-n-Out drive-in. Would you like to do it yourself? Your lucky day, Mad Max. Here's a video tutorial:
And if that wasn't enough, you can also drive it using a modded Power Wheels truck. America, I salute you. [Engineer Awesome via LikeCool]


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Salas succeeds with boost from dedicated dad
CARLSBAD Lizette Salas can see it in her father's walk. On the golf course, outside the ropes, as he follows his youngest daughter on the LPGA Tour, Ramon Salas strides as if he owns the place.
In his working life, Ramon is a mechanic at the Azusa Greens Golf Course in the San Gabriel Valley, a man who once traded handy work so that Lizette could take golf lessons. Now his girl is among the best players in the world, and he strolls the course with his backpack, shoulders held high and chest out.
"He leaves my mom behind," Lizette Salas said with a laugh on Tuesday at Aviara Golf Club. "He's striding to see where my ball went. When we're on the driving range, he's not watching the other players or saying 'hi' to people. He's only focused on me."
Ramon Salas wasn't at Aviara on Tuesday for Lizette's practice round because he was at home at the golf course working, but he will be here beginning Thursday when the 72-hole Kia Classic tees off.
For reasons both endearing and harrowing, fathers can sometimes have a high profile on the LPGA Tour. They can be extremely involved in their daughter's trade long after they might consider letting go. In the Salas family's case, the presence of one on the tour is almost unimaginable without the other.
If not for emigrating from a small town outside of Guadalajara; if not for meeting his future wife, Martha, in a U.S. factory; if not for taking the golf course job with his brother; if not for so badly wanting his children to play golf at a time when most Hispanics shunned the game as boring or elitist; if not for doing the extra work so that Lizette could play; if not for all that Ramon Salas did, his daughter would not have been a four-time All-American at USC, or survived LPGA Q School by making four straight birdies on the last day, or risen to her current spot of No. 46 in the Rolex Rankings.
Salas, 23, finished third in Rookie of the Year voting in 2012, earned $242,000 and had a season-best finish of ninth at the tour stop in Malaysia. This year she already has notched three top-13 finishes in four starts, including a tie for fourth last week in Phoenix by shooting four rounds in the 60s.
Finally, Salas can relax a little bit. She can eat in nice restaurants and stay in decent hotels less than two years after she and her father traveled the country in a truck so she could play on the minor-league LPGA Symetra Tour. Unable to afford motels, they often stayed at rest stops overnight, with Lizette sleeping in the cab while her father bedded down with her golf clubs in the back.
"Obviously, it was a little rough," Lizette said. "But it was something we had to do. I look back on it and it makes me appreciate all of the hard work I have done, all of the sacrifices my dad has made. It's a story I can tell my grandkids."
On those long truck drives, the father reminded his daughter that life would have its challenges, and she knew that from experience. Lizette said she was good at the mainstream sports and when she took up golf, her mostly Hispanic classmates were baffled. Some didn't know what golf was until she brought her trophies and some clubs to show off in fifth grade.
She was no more accepted at the golf course, a short, brown-skinned girl with big and bright brown eyes.


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BHS won the North Zone finals of RBIQ
In an exemplary exhibition of their talent, the students of Boys' High School (BHS) and College, Atulesh Jha and Aman Srivastava brought laurels not only to the institution but also to this holy city of Sangam. They bagged the first position in the North Zone Finals of Reserve Bank of India Quiz Competition held in Kolkata.
The Bishop, Diocese of Lucknow, Church of North India, Rt. Rev. Morris Edgar Dan, felicitated the students for this great achievement. Elated with the success of the students, the Principal of BHS, Mr. D. A. Luke congratulated the team and teachers for their hard work to be on top of the ladder in the North Zone of All India RBI Quiz competition.
The country was divided into four zones and over 3300 schools participated in the quiz competition. The BHS team represented by Atulesh Jha and Aman Srivastava proved their mettle and class by winning the pre-quarter and quarter-final round held at Vigyan Parishad, Allahabad on October 12, 2012 last.
After qualifying the pre-quarter and quarter final rounds, the team held the flag of their Alma Mater fluttering high in the North Zone. In the final round at the All India RBI Quiz Contest, they proved their mettle and stood seventh in the order of merit. The quiz will be televised on Zee Business on December 22, 2012 at 8.00 pm.


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Blue Ridge considers returning to pre-Labor Day start
Blue Ridge is contemplating a change to the post-Labor Day start of school that's been in place for the past two years.
At its Monday workshop meeting, board members discussed the merits and drawbacks of a late August start date. While some members hailed the schedule that's been in place, others argued for a return to the earlier school start.
School director Chris Whitney said a "big break" – caused by Labor Day weekend – was disruptive to the community, adding that some families schedule vacations for that time.
Harold Empett countered that he would rather not "disrupt another 1,000 kids for 50."
"I've been on the board for 15 years," Empett said."(The August start) worked fine."
Board member Michael Detwiler said that getting students back into class earlier made sense from an educational perspective.
And Dean Lewis, a transportation contractor for the district, said school bus inspections take place at the end of June. The earlier start date – and expected earlier end of school – would allow contractors an additional week to prepare for the annual inspections.
Student board rep Julia Stanley said the consensus among students she had spoken with was to start before Labor Day. Students preferred an earlier start to their summer break, she said.
A teacher in the audience attempted to offer her thoughts on the calendar, but was told the work session was not the forum for public participation. Public input would be heard by the board only in the business meeting.
Board members said they would seek guidance from their constituents; and without a consensus, the calendar will not likely be presented for the board's approval at the March 3 business meeting.
Monday night's agenda is likely to have a motion to exonerate the local tax collectors from collecting the over $422,000 delinquent school taxes. "The county will chase those funds for us," Superintendent Robert McTeirnan said.
He also told the board he was seeking a proposal from a company that would "buy" the district's delinquent taxes. The company would then, he said, give the district a check.
Board President Laurie Bonner asked how much the district typically recoups of the delinquent taxes. That information was not known at the meeting.
The facilities and grounds committee suggested the school move ahead with repairs to the gymnasium roof over the storage area. That part of the roof, Empett said, was beyond repair. The committee is advocating the entire roof be tested.
Board member Shane Rumage said the hope is the district can extend some of its warranties.
The testing would be paid for out of the maintenance budget.
Another item requiring attention is not in the budget. The committee is proposing the replacement of the stairs leading to the track.
The finance committee has started its work on the preliminary 2014-15 budget.
McTiernan said he has also evaluated the governor's proposed budget. He noted that the basic education budget was level funded for the coming year; and that funding for the accountability block grant Blue Ridge uses to help fund its kindergarten program for 4-year-olds remains intact.
He also mentioned the governor's proposed targeted funding that could be used for programs, such as, Ready to Read by third grade, STEM, and supplemental instruction.
Whitney said she didn't see the proposed funding as "free money" but rather as a way to pay for the programs put forth by the district due to previously "unfunded mandates" from the state.
The board also discussed how monies raised at last year's golf tournament should be spent. About $3,000 is left, after $5,000 in scholarships was awarded.
Several board members advocated for using some of the cash to help pay for field trips for students who can not afford the costs associated with the trip.
The board also discussed using the available funds to help an economically disadvantaged but promising student pay for SAT or Advance Placement testing.
Also noted was the fact that students fundraise in order to cover expenses associated with the commencement exercises – from covering the cost of the caps and gowns, to flowers and refreshments.
"Why don't we pay for that as a school?" Bonner asked.
Stanley asked about the status of Spanish classes.
McTiernan said the district is looking at alternatives for the class for the remainder of the year, including use of Rosetta Stone for instruction.
Students in French classes have been using the language program since the beginning of the school year.
Stanley also said the school's dress code is not clear. "It depends person-to-person who gets yelled at," she told the board.
Rumage agreed stating that the enforcement of the dress code needed to be more consistent.
The Blue Ridge School Board will hold its business meeting, Monday, March 3 at 7 p.m. in the school cafeteria.


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It really is not the latest version (sorry)
But has any idea what can I do?
It really is not the latest version (sorry)
But has any idea what can I do?
Does the size increase go with how much mail is being stored on your mailboxes?
Does not matter if your clients are IMAP, web client, etc. The mail store will increase size with more mail incoming and outgoing. Do your mailboxes have quotas? Large attachments?
Size of /opt/zimbra/log folder?
In fact everything you could remove the log, and things like that I removed.
However SOTORE the folder grows too!
And the worst is that it has e-mail that is sent the same almost every day for
users themselves, without anyone to send anything, eg:
It has a user here, which has the same e-mail every day, and this
e-mail has been sent and read months ago.
Does anyone know and could help me?
How much users do you have?
How big is your Zimbra partition?
There are a few things you can do.
Set a quota.
Empty all trashes and check the 'Email Retention Policy' and 'Trashed message lifetime' settings.
Ask your users to delete old mails they no longer need.
I have about 60 users
The partition is where the zimbra is 80GB in 2009 and 2010 used about 20gb,
in 2011 to date risen to 60gb. I think there's anything wrong, why not
Raised users, and not the flow of shipping and receiving.
At 1 month, there was a company meeting where everyone should Delete Message
old and unnecessary.
However did not diminish the folder store, it continues to 60GB
Where this option demarco global trash?
First off, from my experience telling users they need to delete doesn't do much. Only quotas really make people delete. Do you have quotas in place?
That being said, you will want to look at the Zimbra Admin GUI and see what your users are really using. Also there, check your Class of Service settings and make sure:
- In the "Advanced" class of service settings, that you have a "Trashed message lifetime:" set (30 days is pretty standard for this, not sure if its the default though).
- In "Features" is "Dumpster folder" enabled? I personally make sure that is off for our CoS (since I think it is unneeded with the regular Trash folder in place).
What you have though does not sound like a lot of storage used. Its only about 1GB per user which isn't a ton these days.
Paul Chauvet
State University of New York at New Paltz


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Escape from acrimony
Congress | A Republican and two Democrats encourage members of Congress to pray for our president
WASHINGTON-At the National Prayer Breakfast in February, President Obama noted that his friend Sen. Tom Coburn, R-Okla., prays for him. "It's comforting to know people are praying for you who don't always agree with you," he said. "Even though we are on opposite sides of a whole bunch of issues, part of what has bound us together is a shared faith, a recognition that we pray to and serve the same God."
But the conversations between Capitol Hill and the White House haven't been so lovey-dovey this year. Instead, the acrimony has been tangible. Wednesday, for example, House Budget Committee Chairman Paul Ryan said Obama was making arguments that were "intellectually lazy." (See "'Disappointed,'" Oct. 26.) For the president, there's no love lost with Republicans: He has said in recent speeches that the GOP plan for the economy is to have "less people with health insurance."
But this week, a freshman Republican and two Democrats dissipated a little of the acrimony. The three congressmen-Reps. Dan Boren, D-Okla., Emanuel Cleaver, D-Mo., and James Lankford, R-Okla.-distributed to all 435 members of the House of Representatives a book titled Obama Prayer: Prayer for the 44th President, by Charles Garriott, who ministers to those in the federal government through Mission to North America, an arm of the Presbyterian Church in America.
The congressmen included a letter with each book, where they wrote, "All of us who have served our nation as members of the House understand the place and significance of prayer. Over the years we have prayed for presidents Bill Clinton and George Bush Sr. and Jr." They added that the book is "a means of encouraging specific and thoughtful prayer for President Barack Obama."
Lankford said, "We'll pray for those in authority … when we line up in the same party. That's not the biblical mandate. He added that Christians should "pray for the president, no matter who he is."
The congressman then pulled out his iPad in the thronging Speaker's lobby by the House floor during a vote to read from Proverbs 21:1: "The king's heart is a stream of water in the hand of the Lord."
Lankford said he's had good feedback from Republican members who received the book.
"There are issues there, in Congress, with how we speak about each other," he said. "This is a place that sometimes feels like middle school. The more you criticize, the more you're encouraged."
Lankford sees prayer for leaders as a Christian calling, regardless of his disagreements with the president as one of the fierce freshman conservatives. "We can strongly disagree," he said. "That does not remove our respect for each other."
The book contains about a dozen prayers for the president: prayers for his relationship with God, for wisdom, for his safety, for his family, for his advisers, for his friends, for his ability to govern with justice and mercy.
"Thoughtful, intelligent and persistent prayer for our leader is part of what it means for us to be salt and light in a needy world," Garriott writes in the book.
Between the prayers are short chapters on how to pray for specific issues. The book is carefully apolitical, but for one deft reference to abortion in a prayer: "We pray that we would defend the weak and homeless, both in and outside the womb."
Obama said at the National Prayer Breakfast this year that pastors Joel Hunter and T.D. Jakes from time to time come and pray with him in the Oval Office. And the chapel at Camp David seems to be the most consistent church for the Obama family. In speaking about his own prayer life at the breakfast, the president said, "When I wake in the morning, I wait on the Lord, and I ask Him to give me the strength to do right by our country and its people. And when I go to bed at night I wait on the Lord, and I ask Him to forgive me my sins, and look after my family and the American people, and make me an instrument of His will."
White House spokesman Shin Inouye didn't know if Obama had read the book of prayers for him, but said, "President Obama deeply appreciates the prayers of millions of Americans, including from members of Congress, and each day joins Americans in prayer for our great country."


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Perfect 1st Birthday Party Ideas - The Candy Buffet
1st Birthday Candy Buffets
Ooh the joy of your babies 1st Birthday party! Gathering all of your loved ones, family and friends that you have made along your journey to celebrate the momentous 1st Birthday celebration, is cause for an all out extravaganza.
Planning your child's first birthday is an exciting time for you and your family. From selecting a theme, and figuring out how to incorporate it through out the entire birthday can however prove to be quite difficult.
Don't waste another moment of energy, as a candy buffet is the perfect centrepiece for your child's 1st birthdy party.
At The Candy Buffet Company we have developed amazing themes to match any theme that you have decided will suit your child! We have listed below a few just to tantalized your taste buds, and get your thinking caps on! Of course, we can not limited by the vast, and fun selection, our theming and styling ability is far and wide! We love a challenge, so even if it is not a style or theme that we have worked with before, we would love to try something new!
As candy buffet stylists, we can deliver whatever 1st birthday lolly buffet idea you have in mind, but our experience has shown us that traditional seems to be the trend at the moment.
Yes, we can deliver younger concepts which reflects much of what is probably already decorated throughout your child's room (e.g. cars, princesses, jungle animals, ocean creatures, etc.), but the overwhelming response from out happy mum's after the event has been the way we have been able to capture elegance and innocence together that is neither boring for the younger set, nor patronising for adults.
Added to this, a candy buffet is both contemporary as the concept is the very latest in dessert styling, but also maintains a classic touch as the lollies always indicate a hint of yesteryear for your guests.
Princess Theme
Tiaras and Pearls, Diamonds and Pink Hearts for pretty little Princess Daughters are a perfect theme to treat your daughter's guests to at her 1st birthday party. We can customize the candy boxes with gorgeous artwork adorned with your daughters name, as a special take home candy box for your guests. When creating a Princess Themed 1st Birthday, using elements such as Tiara shapes will add to Royal atmosphere, as well as provide your daughter with a gorgeous little adornment to match her dress!
Prince Theme
Nothing is more regal then a royal blue candy buffet for your Son's 1st Birthday party. We can customize the candy to match your little Princes tastes! Everything from Swizzle Stick, so Sharks …. And from Sour Straps to crowd favorites – Yummy Freckles! We can be the crowning glory to your Prices 1st Birthday
Pirates Theme
Ahoy me harties! Its time to jump on board the candy buffet sail ship, before we set off into the sunset! Our Pirate themed candy buffets are a joy for young and old – Even a One –Eyed; hook wielding pirate, and all of his shipmates…. We can satisfy a sailor's apatite with our delicious treats, and customize the entire candy buffet to suit a shipwreck, or even hidden treasures!
Now, get yer swagger on an' try some o' our Candy aye!
Fairy Theme
If gorgeous glitter floating in an enchanted forest, with dark moss, wooden features and tiny little fairies hiding in amongst branches, is what your daughter is after, then look no further then our stylish fairy themed candy buffets. We can utalise faux turf to provide a lush garden where upon your candy buffet will sit. Risers designed as logs; to elevate our delicious candy display will add intrigue and create the perfect centerpiece your daughters 1st birthday!
Jungle Theme
Adventure to the max! If your little ones has an affliction to the wild, then our awesome jungle candy buffets are a must! We can serve up juicy snakes, fresh frogs, and wiggly worms (all jelly candy of course!!!) to your un-expecting guests! What a ride they will go on making their way through an assortment of raspberries, mint leaves bananas, and even pink pigs! Our jungle themed 1st birthday candy buffets are a hit sure to please even those who only camp 5 star!
Noah's Ark Theme
Two by two they boarded the Ark, and two by two you can gobble our yummy candy up! Not only do we have an excellent range of animal inspired soft lollies and even yummy chocolate to display for your candy buffet, but our strongest point is in the details! We can completely customize the risers on your candy buffet table to have an Ark feautured, with your childs name etched in to the "wood" artwork of the ark!
The Wiggles Theme
Bold bright primary colours will feature predominantly through out this candy buffet, and be assured, we will colour block The Wiggles out of your selection! The Wiggles are all about using colour to distinguish, and we will ensure that Yellow, Blue Red and Purple are featured individually to enhance The Wiggles look!
The Candy Buffet Company's seamless process includes the entire set up and dismantle of your child's 1st Birthday candy buffet at your venue, classic apothecary jars, plus all the utensils that will be required for your guests to help themselves.
Booking a candy buffet with The Candy Buffet Company is stress free – we all know how crazy birthday planning can getsand the last thing you need is additional stress added to your busy days. Our candy buffets are all-inclusive with the full set up and dismantle included in the hire price. Our dedicated team will talk you through everything, from designing your buffet in your chosen colours, creating custom artwork for your candy boxes with your childs name, to contacting the venue to arrange our set up and dismantle times.
To speak to one of our buffet stylists and receive a quotation for your own very special wedding candy buffet, please contact us on 1300-924-427, or alternatively you can send us an enquiry here.
What our clients have to say:
Everything went very well, everything was amazing, there was nothing left at the end of the function. Once again thanks for organising everything for Olivia's 1st birthday from Donnie & Kristina Mancka.
Donnie and Kristina, Proud Parents
Thank you, thank you, thank you!! All of my friends were so impressed with Shiloh's 1st Birthday Party candy buffet. It was beautiful! You thought of every last detail right down to the bling on the little personalised chocolates.
Everyone thoroughly enjoyed it and my friends are still talking about it!!
Your company was superb from the moment I sent the enquiry through - completely professional. I am so glad we used your services and will be in contact soon - perhaps for her 2nd ;-)
Annita Tomer, Mum - St Kilda
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Solomon Kane
Like Conan the Barbarian, Solomon Kane is a creation of author Robert E. Howard, though most of us have probably never heard of the character. This lavishly produced effects/action/fantasy extravaganza is looking to change that. and it looks pretty awesome. No U.S. release date just yet.
Disney's A Christmas Carol
Robert Zemeckis's 3D animated flick looks far flashier than anything Charles Dickens had in mind. Then again, since everyone knows the story forward and backward, embellishment is almost mandatory. This looks like a nice slice of holiday movie fun and you can watch for it on November 6.
Valentine's Day
A respectable cast stars in this tale of intertwining couples and how they all react to Valentine's Day. There may be something to this one, but if so the trailer hides it very well. This one releases on February 12.
Valhalla Rising
An impressive looking Viking adventure centered on an accomplished warrior and former slave named One-Eye who believe it or not is not known for his depth perception. No U.S. release info yet.
A Girl Cut in Two
Not as gory as the title might imply. This French language suspense thriller deals with a woman torn between two men with potentially deadly (to say nothing of sexy) consequences. This has already had a limited U.S. theatrical run and is probably on its way to DVD.
This Week on AOL Moviefone:
- Transformers: Revenge of the Fallen - New trailer for the DVD release of the sci-fi action sequel.
- New Moon - Second trailer for the Twilight sequel.
- Brief Interviews with Hideous Men - A graduate student endeavors to explore the male psyche for her thesis by interviewing a cross-section of men.
- The Princess and the Frog - Second trailer for the new Disney animated feature.
- Transylmania - A group of American college students spending a semester studying abroad find themself
- The Informant! - Matt Damon plays a corporate whistle-blower in this film based on a true story.
- Where the Wild Things Are - Second trailer for this adaptation of the classic children's book.
categories Trailers And Clips, Cinematical


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May 27, 2016
Lansing native Earvin "Magic" Johnson is launching his own television network at the end of June. It is called Aspire and it's a 24-hour channel focusing on what Johnson calls positive, uplifting images of African Americans. All of the programming will be written, produced and directed by African Americans. The launch is set for late June. The 52-year old Johnson is due in Lansing August 2nd to attend the induction of his 1977 Everett High School basketball team into the Greater Lansing Sports Hall of Fame.
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|Northwest Airlines Pulling Out Of GNV posted Thu Feb 2 2006 20:54:54 by KarlB737
|Full-Frills Airlines Pulling Out Of Stansted posted Tue Aug 5 2003 00:32:41 by Godbless
|Is Delta Really Pulling Out Of Ord? posted Fri Nov 22 2002 12:52:57 by Boxsmasher
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|Airlines Pulling Out Of NZ And AUS posted Thu Mar 1 2001 11:40:08 by Mr.BA
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|Int'l Airlines Gradually Out Of Tbit At LAX posted Sat Aug 12 2006 01:05:59 by Vincewy
|United Mainline Pulling Out Of COS posted Tue Aug 1 2006 20:22:05 by IceTitan447


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I'm going to be in a flight during the game, was planning on listening through the phone app, but noticed it had been deleted from my phone. I downloaded the free version, but it will not let me access the premium version and I cannot find it on Google Play. Any suggestions? Motorola RAZR maxx hd
They used to make you buy a new one every year but I didn't have to do so this season. I just checked and it opened up fine. But I also can't find it in google play. That's wierd. Maybe try checking under "My Apps"
Listen Live
Maybe this link will work on your phone.
You should be able to access the radio stream through cyclones.TV still though.
Is there any other link online? Same story for me
Listen Live
Thanks! Hopefully my flight has wireless now....
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TMS and its publishing partner John Wiley & Sons are seeking new authors or volume editors for textbooks, handbooks,
and reference books on materials science-related topics. Please contact Matt Baker if you are an interested
author or editor, or simply have an idea that you wish to share.
The Open Innovation program is a component of Materials Innovation @ TMS--an exciting, new TMS initiative focused on accelerating
the discovery, development, and commercialization of new materials systems and processes. Go to materialsinnovation.tms.org for
updates on Materials Innovation @ TMS activities, resources, and opportunities.
The concept of "open innovation" supports advancement of technology by crossing traditional organizational boundaries to share ideas, knowledge, research, and inventions. TMS Open Innovation puts this concept into practice by providing the opportunity for our members and customers to take an active role in developing new products, services, and resources that will help shape the future of TMS and benefit the broader materials community.
As a member-driven organization, TMS exists to meet the needs of its members and to advance the materials community as a whole. To achieve these goals, we need your input, and that's why we created TMS Open Innovation.
This platform allows us to create new products, services, and resources for our members and other customers, as well as to address critical materials science and engineering issues. TMS is actively seeking ideas for education courses, technical meetings, publications, and other knowledge resources.
Submit your ideas for a new TMS offering by completing our online form.
If you have any questions on submitting your ideas, please contact Christina Raabe Eck.
Accepting ideas for new events and resources is one way to demonstrate the concept of Open Innovation. Another is to provide organizations with opportunities to reach out to TMS's broad and influential membership base.
If your organization is looking for innovative ideas to solve a challenge or improve a product, we would welcome the opportunity to work with you to tap into the knowledge and experience of our members and constituents via the following solutions:
For more information about any of these options, please contact Caron Gavrish, Sales Specialist, at email@example.com.


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Liz Carey
Foodie Agenda: Halloween Happy Hours and More
Saturday October 27
Foodie Agenda: Whole Pig Dinner, Mexican Meat Party, and More
Friday, October 19
Tonight at Grand Cafe, Chef Alicia Jenish breaks down a whole pig to offer a number of a la carte specials, in addition to the regular menu. With the exception of the "Charlotte's Salad," which is inspired by all of the things pig eat, each special utilizes the entire pig, such as the pork sugo served with house-made troffie pasta, red wine, and chard ($24).
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|Will KLM Use More 777 To South America? posted Sat Jan 7 2006 10:41:29 by RootsAir
|Virgin Wants To Launch More Flights To India posted Thu Mar 31 2005 21:41:25 by Airish
|Flybe. More Routes To France posted Thu Sep 30 2004 17:34:06 by HUYfan
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Dalyan holidays are ideal for those who really want to get away from it all in its quiet rural setting in a picturesque village.
Located in south west Turkey on the Mediterranean coast, it has natural beauty, friendly locals and a laid back pace of life. It is the perfect choice for anyone who fancies something a little different from the busy modern resort towns.
Please note that UK Passport holders arriving in Turkey need to obtain an e-visa online before travel. You can apply for your e-visa on www.evisa.gov.tr.
Despite its tranquil riverside setting, it is within easy reach of many of the area's top attractions, so you can choose exactly how much or how little you want to do on your holidays to Dalyan. Explore 4th century tombs carved into the rock, visit the ancient ruins of Caunos or head up river to bathe in the rejuvenating hot springs. Why not take the half-hour journey to the spectacular Iztuzu Beach also know as the famous turtle beach. You can journey past mountains, forests and tributaries brimming with wildlife, then spend the day relaxing and swimming at this famous beach, home to rare loggerhead turtles. During the day hit the beachside shops, which offer snacks and drinks, while in the evenings Dalyan boasts many restaurants and bars offering traditional Turkish cuisine. While you won't find any busy nightclubs, many places offer traditional entertainment and live music long into the night. With all this just a four-hour flight away from the UK, it's no wonder cheap holidays to Dalyan are fast becoming the holiday of choice for everyone from families and couples, to friends looking for a beach holiday with a difference.
lowcostholidays finds the best holiday deals daily, to help you plan your perfect holiday with a fantastic range of cheap flights and hotels on offer. Your next holiday in the sun is only one click away!
Don't be restricted by package holidays, create your own tailor-made holiday to suit your taste and budget. With lowcostholidays you'll find the cheapest prices available for your next holiday to Dalyan, so book your holiday with lowcostholidays today!
This area attracts visitors for many reasons, but one is certainly its white sandy beaches, which are ideal for kids and adults alike. The water is crystal clear so the kids can play safely in the sheltered waters, and there's a mix of activities available, from watersports to turtle spotting.
On your beach holiday to Dalyan there's lots to do and see, whether you like relaxing on the sand with a good book or something more adrenaline fuelled. Scuba diving and snorkelling is popular here to discover bustling marine life around the rockier areas of the shoreline.
Iztuzu beach, better known as Turtle beach, is a protected area and breeding ground for endangered loggerhead turtles. Your holiday in Dalyan is a unique chance to get up and close with these beautiful creatures, but watch out for sticks on the beach marking nesting sites. If you're looking for an alternative, nearby Serigerme beach offers all the amenities and sports options for a great day out.
There's a mix of hotels and accommodation available close to the beach to make sure you have your perfect trip, to suit all budgets. The Dalyan Resort has a great health club for the ultimate in relaxation, plus it also runs a boat service to the beach three times a week to save on transport costs.
If you're looking for a romantic getaway then Dalyan is an ideal spot for romance. Its ideal location between the party spots of Fethiye and Marmaris allow you to be as active as you want.
If you're looking to get out in the fresh air, then we recommend taking a day trip or hiking up to nearby Yuvarlak Cay beautiful natural waterfalls where you can take a refreshing swim in their clear waters, or you could even go for a spot of fishing on the lake. After a long day's exploring, when on a Turkish getaway you could try a local hookah pipe in one of the many downtown cafes.
You can choose to party hard or relax, as the town itself has a host of local restaurants serving the best Turkish food including freshly caught trout, which can be followed by drinks in one of the many local bars. If it's nightclubs you're looking for, then simply hop on a bus or taxi to nearby Marmaris.
With such a mix of accommodation options available, you're spoilt for choice when visiting Dalyan. The Dalyan Resort is ideal for creating a romantic atmosphere in its tropical gardens right by the river, plus there's a health club and the hotel runs a boat service to the beach three times a week.
There's lots to do here if you're part of an adventurous group. The Dalyan River is popular for fishing and boat tours down it's winding corners and thick reeds for bird spotting its over 1500 species or visiting the famous rocky valleys of Lykier.
You really can be as active or as relaxed as you fancy in Dalyan. Adrenaline junkies will love the great white water rafting here and mountain bikes are readily available for hire to explore the local area. The Dalyan River also provides a fascinating playground for hikers or bird spotters looking for a unique adventure.
Everybody in your group will love the Caretta Caretta festival on your holiday to Dalyan. Held annually in June and July, it's a time to celebrate the rare loggerhead turtles and brings all the locals out for music, dancing, street parties, watersports contests and a lively fireworks display on the last evening.
If you're looking for a little bit of culture on your holiday, then Dalyan has it all. Just walking around the pretty town centre will give you a great idea of Turkish architecture, and the domed roofed mosques are definitely a sight worth seeing. Take a stroll down the old town area and sit in one of the many cafes to get a real taste.
On a family holiday to Dalyan there's so much to see you can guarantee nobody in your group will get bored. The kids will love taking a boat to see the ruins on Caunos and learning about the legend behind them, and adults will enjoy relaxing in the famous Sultaniye thermal baths, sulphur rich mud baths that will leave you feeling relaxed and rejuvenated.
Nearby Iztuzu Beach is a protected area famous as a breeding ground for endangered loggerhead sea turtles and everybody will enjoy learning about these beautiful creatures on a day's boat trip. For something a little more adrenaline fuelled, you can try your hand at water or jet skiing, kayaking, sailing or wakeboarding, or perhaps just keep your feet on dry land and practice haggling in a local bazaar.
There's a whole host of restaurants on offer so something to suit every palette, plus a great mix of traditional Turkish, to find the best just eat where the locals go and order the locally caught crab for the best fresh seafood. The evening doesn't have to necessarily mean early nights even for the kids, with moonlight tours leaving the riverside for Koycegiz Lake star gazing.
If you're looking for a family friendly hotel, you don't need to worry about your budget as we have a great mix of options available to suit everybody. The Asur hotel is close to the city centre and also has the added bonus of free bike hire which will make a great family day out.
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Please observe the following suggestion when submitting sites to the category: a. Submit the mathematician/researcher''s name as the title (in last name, first name format) b. Description should include, in this order: place of work, field of research or interest, content of the site.There is currently no description created for this category.
Included here are pages that discuss teaching aids about measurement formulas, axioms and drawing methods pertaining to geometric figures.Geometry education is about teaching ideas, lesson plans, curriculum for students in a class that teaches about forms and shapes that can be measured.
Webpages that discuss the topic of geometry without offering teaching materials or resources should be placed in the parent category of Geometry.
Submit pages that deal with geometrical shapes or objects within a space of four or more dimensions. Sites about higher-dimensional polytopes in particular should be submitted to Science/Math/Geometry/Polytopes/Higher_Dimensional/.Higher-dimensional geometry considers the properties of figures with four or more dimensions. An object of zero dimensions is a single point. It needs no coordinates. The first dimension takes up the space of a line, and has only one coordinate (the x coordinate). The second dimension takes up the space of a plane, and has two coordinates, x and y. Examples of two-dimensional shapes are circles and squares. The third dimension is all space that we know of, and it uses three coordinates, x, y, and z. Examples of three-dimensional shapes are cubes, spheres, and cones. The fourth dimension is space with an extra dimension beyond the third, and it uses four coordinates, x, y, z, and w. Examples of four-dimensional shapes are the tesseract and the hypersphere.
If two lines are drawn which intersect a third in such a way that the sum of the inner angles on one side is less than two right angles, then the two lines inevitably must intersect each other on that side if extended far enough.This means that in the Euclidean world that lines that are not parallel must inevitably meet. This is not always true in non-Euclidean geometry. This category may also contain webpages with discussion of the validity or otherwise of these different geometries.
Submit sites that are about earlier mathematicians that are no longer living.There is currently no description created for this category.
Please submit sites that deal only with geometric objects within two dimensions, such as lines, circles and polygons.Includes webpages that focus exclusively about two dimension figures, such as lines, circles, and polygons.
Submit sites that discuss polytopes in general, which include regular sided geometric figures in one, two, three, four or more dimensions.Polytopes include polygons (two-dimensional), polyhedra (three-dimensional), polychora (four-dimensional), and their higher dimensional analogs. An n-dimensional polytope is built up from multiple (n-1)-dimensional polytopes. Thus, polyhedra are built up from polygons, and polychora are built up from polyhedra. A regular polytope is composed of regular (n-1)-dimensional polytopes. There are an infinite number of regular convex polygons, five regular convex polyhedra, six regular convex polychora, and three regular convex polytopes for all dimensions five or higher.
Sites about polyhedra(three dimensional) in particular should be submitted to thePolyhedra category.
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Topological figures may or may not be three dimensional. Please, submit all topology sites to the appropriate subcat of


text: Giancarlo Stanton blasted a pair of home runs and totaled three RBI to lead the Marlins to a 6-5 win over the Cardinals at Marlins Park. Stanton is now tied with two others for the Major League lead with 31 homers. Christian Yelich went 3-for-4 with one RBI and Adeiny Hechavarria plated a run for Miami, which has won three of four. Tom Koehler improved to 8-and-9 with the win and Steve Cishek notched his 30th save. Shelby Miller got tagged for five runs in five innings to fall to 8-and-9 for St. Louis, which has lost four of its last six. Jon Jay belted a two-run shot and Matt Holliday went 4-for-4 and drove in a run in the loss.


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October 12, 2013
Amazon Reigns Victorious Against IBM
Amazon Web Services (AWS) has emerged from the ashes of another legal dispute, this time with long running veteran computer manufacturer IBM spewing hate and anger over the building of a new cloud infrastructure for the CIA. Last January, AWS and IBM exchanged friendly offers with the CIA over who would be given a $600 million dollar contract to build the CIA's cloud network.
The problem started when Amazon offered a deal of about $150 million to the CIA, while IBM only invested a considerably low $94 million dollars in their contract offering. While the right business decision was to give the contract to the cheapest bidder, Amazon won the contract anyway, as they have a much better reputation with software and technology than IBM.
But it doesn't end there; IBM was disappointed in the court's decision to uphold a contract almost twice that of its competitors, a real swing to the gonads when you're trying to cater to everyone's needs. To give themselves a chance, IBM filed a complaint with lawmakers to get a repeal of the court's decision, which was also denied as clearly the deals were issued legally.
"We are disappointed with the ruling from the US Court of Federal Claims, reversing the GAO's recommendation to reopen the competition and correct flaws in the bidding process," explained an IBM spokesperson in an emailed statement to Bloomberg. "This court decision seems especially inappropriate in light of the current times, since IBM's bid was superior in many ways, including being substantially more cost-effective."
But it seems being 'cost-effective' wasn't the only thing on the CIA's mind. On the other hand, the CIA's decision doesn't seem as much 'inappropriate" as it does safe. If I walked into a corner store (for all intents and purposes, it's a corner store) with ten dollars in hand and asked about considerably good orange juice in the freezing area, shouldn't I have reason to buy the $10 bottle?
Most of you are quick to jump solely on the $1.39 bottle, but you often forget that this means that your bottle may not have as much in terms of quantity as it could have. Hence, you're value is deterred. How do we combat this determent? Why, we increase the quantity, and then increase the price! Ideally everyone does this, and the principles are the same with technology.
I'm more prone to spending $100 on a tour guide than I am spending $50 on a tour guide. Why? Because to me money begets performance, which begets work, which begets preservation, which begets quality. If you began spending cheap in one area, you can expect the quality of that area to go down.
When's the last time IBM was still relevant enough to even joke about?
Desktop computer hardware is no longer the popular thing, and with that drop in popularity IBM can feel what it's like to watch your company be set aside for the new shiny iPhone. It's depressing, but this industry is far too large to warrant a serious concern.
IBM will be back on their feet in no time.
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