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What a Drag!
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You don't need a Ph.D. in math to know that student-loan debt is compounding at an alarming rate. In the last six weeks alone, two new government reports have detailed the growing student debt burden, which has no doubt contributed to the weak economic recovery and could remain a drag on growth for decades to come. First came a report early last month from the Federal Reserve Bank of New York stating that the $870 billion in loans carried by some 37 million present and former students exceeded the money owed by all Americans for auto loans, as of the Sept. 30 end of the government's 2011 fiscal year. It's also greater than credit-card debt. The report went on to note that delinquencies, officially reported at about 10% of outstanding loans, were actually more than twice that number when things like loan-payment deferrals for current full-time students were properly accounted for.
But that was just prelude for a speech in late March, when an official of the new federal watchdog agency, the Consumer Financial Protection Bureau, asserted that total student debt outstanding actually topped $1 trillion. The Fed, it seems, failed to account for much of the interest that had been capitalized, or added to outstanding loan balances on delinquent and defaulted loans.
The cause of the binge is the unfortunate concatenation of steeply rising tuitions in the face of stagnating family incomes, a precipitous decline in states' funding of public universities and two-year colleges, and the burgeoning of avaricious for-profit colleges and universities—which rely on federally guaranteed student loans for practically all of their revenue, in exchange for dubious course offerings.
Ever-rising tuitions are the biggest part of the problem. As the chart nearby shows, tuition and fees at four-year schools rocketed up by 300% from 1990 through 2011. Over the same period, broad inflation was just 75% and health-care costs rose 150%.
However you apportion blame, it boils down to this: Two-thirds of the college seniors who graduated in 2010 had student loans averaging $25,250, according to estimates in a survey by the Institute for College Access & Success, an independent watchdog group. For students at for-profit schools, average per-student debt is even greater for training in such fields as cosmetology, massage therapy, and criminal justice, as well as more traditional academic subjects.
WHETHER YOU HAVE KIDS in school or they've long since graduated, this is a big deal. Graduates lugging huge debt loads with few job opportunities to pay them off are reluctant to buy cars, purchase homes,or start families. Family formations, a key bulwark to home prices, have been in a seemingly inexplicable funk over the past five years or so.
Prospects are even more harrowing for defaulters on student debt. They are virtually excluded from the credit economy, unable to get mortgages, take out auto loans, or even obtain credit cards. "We are creating a zombie generation of young people, larded with debt, and, in many cases dropouts without any diploma," says Mark Zandi, the chief economist at Moody's Analytics.
Debt taken on by students pursuing professional degrees in graduate schools is even more daunting. Federal Reserve Chairman Ben Bernanke turned some heads in an aside during congressional testimony last month when he said that his son, who is in medical school, would probably accumulate total debt of $400,000 before completing his studies. Law students, even at non-elite law schools, often run up debt of as much as $150,000 over the course of earning their degrees. This even though top-paying law jobs at major corporate law firms are shrinking, consigning many graduates to lives of relative penury. Many are resorting to lawsuits against their schools, charging, with some justification, that the schools gilded the employment opportunities that awaited graduates.
IT'S NOT JUST STUDENTS who are being crushed by student-debt loads. Kenneth Lin, of the credit-rating Website Credit Karma, found something astounding when he examined credit reports on literally millions of households nationwide. Student debt borrowing by the 34-to-49 age cohort has soared by more than 40% over the past three years, faster than for any other age group. He attributes this in large part to bad economic times that prompted many to seek more training to enhance their career prospects. This is also the age group that the for-profit schools mercilessly mine with late-night television ads, online advertising, and aggressive cold-calling to entice with their wares.
Also, some folks in their 30s are obviously having trouble paying off student loans taken out earlier in their lives because of high unemployment rates and disappointing career outcomes. According to the aforementioned Fed report, the 30-to-39 age group owes more than any other age decile, with a per-borrower debt load of $28,500. They're followed by borrowers between the ages of 40 and 49, who had outstanding balances of $26,000. This is what happens to folks when loans go delinquent or fall into default (nine missed payments in a row), as back interest is added to principal and collection costs mount.
Parents, too, are getting caught up in the student-loan debt explosion. Loans to parents to help finance their kids' post-secondary education have jumped 75% since the 2005-06 school year, to an estimated $100 billion in federally backed loans; this according to data compiled by Mark Kantrowitz, the publisher of the authoritative student-aid Website FinAid.org. That's certainly a painful burden to bear for baby boomers, who are fast approaching retirement bereft of much of the home equity they'd been counting on to finance their golden years.
TO BE SURE, student loans aren't the debt bomb that many doomsayers claim, poised to destroy the U.S. financial system as the residential-mortgage-market collapse nearly did. Moody's Mark Zandi ticks off a number of reasons why:
Student loans are just one-tenth the size of the home-mortgage market. Subprime mortgages, including alt-A, option ARMs (adjustable-rate mortgages), and other funky constructs, were bundled into $2.5 trillion worth of securitizations at their peak, ensuring that the damage wrought by their collapse spread far and wide, destroying the value of U.S. families' biggest asset. The impact of these mortgage securitizations was only amplified by huge bets made by financial institutions like insurer American International Group (ticker: AIG) on the home-mortgage market in the form of credit-default swaps and the like.
Finally, and most important, the bulk of the student debt outstanding, some $870 billion of the total, is guaranteed by the federal government—and ultimately taxpayers. "Thus, the damage can be contained, at least until the next recession," Zandi asserts. "We should worry more about more subtle things like how indebtedness is causing the U.S. to fall behind some…emerging nations in the proportion of our population with college degrees than about any direct financial system fallout."
THE EVENTUAL BILL to taxpayers on defaulted student loans won't be overwhelming. That's because Uncle Sam has enough collection powers to make a juice-loan collector envious and most debtors cry, well, "Uncle!" Among other things, the government can garnish the wages and glom onto income-tax refunds or Social Security payments of defaulters. And student debts are treated like criminal judgments, alimony and the like when it comes to bankruptcy. They can be discharged only under the rarest of circumstances, no matter how fraught the deadbeats' financial circumstances have become.
A recent story by Bloomberg's John Hechinger describes the hard-nosed tactics used by collection agencies hired by the Department of Education to go after the defaulters on $67 billion in loans. The collectors, operating out of boiler rooms, badger their marks with all manner of threats in return for bonuses, gift cards, and trips to foreign resorts if they pry at least nine months of payments above a certain minimum out of the defaulters. No mention is made of more lenient payment plans.
Such strategies apparently work, tawdry though they may be. The government claims it collects around 85 cents on the dollar of loan defaults. By contrast, credit-card companies are lucky to collect 10 cents on the dollar from borrowers in default.
CHANGES IN REPAYMENT PLANS instituted in 2009 allow some student-loan borrowers in extreme hardship to pay monthly on the basis of what they can afford rather than what they owe. Under this "income-based repayment plan," after 25 years of payments based on the borrower's discretionary income, the remainder of the loan will be forgiven. Thanks to the Obama administration, that number will soon be just 20 years.
Students going into public-service jobs like teaching can receive a get-out-of-debtors'-prison card after 10 years of income-based payments.
But these programs aren't likely to add much to the taxpayer tab on student-loan defaults, since the participation in the programs has been light (550,000 out of 37 million student borrowers), and the money collected is better than nothing.
Nor are the major players in the private, nongovernment-backed student-loan market, such as SLM, formerly known as Sallie Mae (SLM), Discover Financial Services (DFS), Wells Fargo (WFC) and PNC Financial Services (PNC), likely to suffer much from delinquencies or defaults. Their student-loan balances, at around $130 billion, are relatively manageable. They also were able to slip into 2005 legislation a provision prohibiting student-loan borrowers from discharging that debt in bankruptcy, mimicking the government's leverage over defaulters.
The private student-loan industry has also tightened up its underwriting standards since the financial crisis, demanding higher FICO, or credit, scores from borrowers and parents to co-sign most education loans. However, Fitch recently warned that private student-loan asset-backed securities, especially bundled before the recent recession with less stringent standards, are expected to continue to suffer from "high defaults and ratings pressure." Little surprise then that JPMorgan Chase (JPM) announced last week that it would stop underwriting student loans as of July 1, except to customers of the bank.
DESPITE ALL THIS, some observers blame the government for the debt spiral—by making subsidized loans overly available to students. Without easy federal Pell grants (up to $5,550 a year for full-time students at four-year colleges) and federal undergraduate loans, now capped at an aggregate of $57,500, there would have been no spiral in college costs.
But this smacks of blaming the victims—students encumbered by debt and taxpayers ultimately subsidizing and guaranteeing the loans.
The perps clearly seem to be the so-called nonprofit universities and colleges that have been gunning tuition and fees ever higher since 1980, vastly in excess of consumer inflation, health care, and nearly any other cost index one can imagine.
Just take a look at the chart nearby, helpfully provided by the College Board in its latest 2011 "Trends in College Pricing." Inflation-adjusted, private four-year college tuition and fees have jumped 181% on a smooth but relentlessly higher glide path. Public four-year college tuitions have risen by an even larger 268%, although it's clearly a case of catch-up. In-state tuition this year averages only $8,244, compared with the privates' $28,500 average tab. Student-debt outstanding, meanwhile, is growing far faster, climbing ninefold since 1997.
THE COLLEGE BOARD and private colleges and universities obdurately defend themselves, saying the "sticker price" in no way represents the actual price paid by families after taking into account federal and state grant aid, federal-tax breaks to families paying for college, and, of course, scholarship money provided by the schools themselves. In fact on a "net-price" basis, private four-year tuition costs, at $12,970, were slightly lower than in the academic year five years ago, the report brags.
That assertion is true as far as it goes. But the lower net price is not the result of the munificence of schools' scholarship programs, but is almost solely due to large increases made under President Obama in the size of Pell grants and educational tax credits. Throw in room and board—"not really part of the cost of attending college," the report says dismissively—and college costs are indeed higher this year. Room and board—$8,887 on average for in-state students at public schools in the current school year and $10,089 at private colleges—have long been a means for colleges to make stealth price increases.
Ivy League schools with total sticker prices including room and board of $50,000 to $57,000 in the current academic year use their large endowments to give out large dollops of student aid. In fact, Yale and Harvard are said to offer scholarship money or assistance to families with incomes up to $180,000. As a result, students graduating from elite schools like Princeton, Yale, and Williams College are able to graduate with total debt under $10,000, making them among the lowest-debt college and universities in the country.
But the Ivies can't be absolved of all blame in the current debt mess. They began the sticker-price arms race in the early 1980s, reasoning correctly, it turns out, that they could boost prices with impunity because of the scarcity value, social cachet and quality of the education they offer. They've led the charge ever since, even getting caught by the U.S. Justice Department for colluding on tuition increases and grant offers to applicants in the early '90s. They signed a consent decree neither admitting to nor denying the charges.
Don't think that state governments—which have been methodically cutting appropriations to higher public education for the last decade—aren't aware of the still-yawning gap between the sticker prices of state and private schools, which means that tuitions are likely to continue to rise at break-neck speed.
Too, elevated sticker prices by the privates have given cover to for-profit schools, including University of Phoenix, owned by Apollo Group (APOL), Bridgepoint Education (BPI), ITT Educational Services (ESI), Washington Post's (WPO) Kaplan University, and Career Education (CECO), a capacious umbrella under which to nestle. The schools live off of Pell grants, federally backed student loans, and, increasingly, the GI bill for veterans. Thus, they derive as much as 90% or more of their revenue from such government money, so they concentrate their recruiting efforts on the less affluent in order to qualify for such government largess. (For a look at ITT Educational's practices, see "Clever is as Clever Does.")
The industry's course content is often risible, and graduation rates horrible. Students naively hoping for a big jump in earnings power end up saddled with debt averaging about $33,000, with little to show for their efforts. Students at for-profits make up about 10% of the post-secondary-school population. Yet according to congressional researchers on the Senate Health, Education, Labor, and Pensions Committee, which has been investigating the for-profit industry, they account for between 40% and 50% of all student-loan defaults.
THE STUDENT-DEBT CRISIS is emblematic of issues bedeviling the U.S. as a whole, such as income inequality and declining social mobility. For as scholarship money is increasingly diverted from the needy to achievers with high grade-point averages and test scores, boosting institutional rankings, the perhaps less-privileged applicant is thrust into the position of having to take on gobs of debt, indirectly subsidizing the education of more affluent classmates. The race to the career top is likely over long before graduation.
Student debt also helps sustain many school hierarchies that are virtually bereft of cost controls—the high-salaried tenured professorates, million-dollar-a-year presidents and provosts, huge administrative bureaucracies, and lavish physical plants.
The debt game will continue until students and their families revolt or run out of additional borrowing capacity. Don't expect the educational establishment to rein in its spending. Things have been too cushy for too long.
E-mail: firstname.lastname@example.com


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Centralpack Engineering Corporation has been designing and installing heating, ventilating and air conditioning (HVAC) systems for industrial, commercial and governmental facilities since 1974. Centralpack's coverage includes New Jersey, New York and Pennsylvania.
We provide these HVAC systems through the use of plans and specifications developed by others (Plan and Spec method) or by custom designing a system for the customer's needs and applications (Design-Build method).
Our correct assessment of our customer's needs, intelligent system design, informed manufacturers' selection, precise installation and experienced maintenance capabilities have made us a leader in the industry.
Centralpack Engineering Corp. has added the State Classification of General Construction / Additions and Alterations in addition to HVAC. This will benefit both Centralpack and our customers by offering the experience as a Mechanical Contractor and in addition the experience as demonstrated to the State as a General Contractor.
Centralpack Engineering Corporation has added an Automatic Temperature Controls division and is now a certified Honeywell ATC contractor. With the addition of the ATC division Centralpack will be able to offer our customers a system that integrates all your building equipment
Contact Mike Venus for more information @ 973-625-9230 Ext. 31 or e-mail email@example.com.
We have been servicing heating, ventilating and air conditioning (HVAC) equipment for over 25 years.
We combine the highest standards of service and engineering quality with competitive pricing, and we minimize your downtime. The diversification is your guarantee of superior service.
Our highly trained technicians have the expertise to troubleshoot and repair your HVAC equipment quickly. We also service building control systems, process heating and cooling systems and much more.

subset: commoncrawl


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Sleeperz Hotels to create 25 new jobs in Newcastle
(Newcastle, October 25 – 2011) Sleeperz Hotels, the innovative budget hotel business, is to create 25 new jobs when it opens its first North East hotel in Newcastle in December.
Construction is well underway on the 98-bedroom, six storey hotel situated on the site of the former Parcel Works on Newcastle's Westgate Road near Central Station.
The hotel is a design-led premium budget hotel – the first of its kind in Newcastle – offering high quality colourful, compact and contemporary rooms at affordable rates for leisure and business travellers.
David Myers, chief executive of Sleeperz Hotels, said:
"We are thrilled that our investment is creating good jobs for local people in the North East during a challenging time for the UK economy.
North East England is known for friendliness and its warmth of welcome. We would like local people to play a big part in delivering great service to our customers and inspiring people to return to the region again and again."
Sleeperz Hotels is now recruiting to fill roles ranging from housekeepers and porters to a senior financial controller.
Sleeperz Hotels plans to open a new niche in the budget hotel market in Newcastle, creating higher quality rooms that offer an urban living experience in a city centre environment.
Rates will start from £60 for rooms with floor to ceiling windows, wet-rooms and sleek functional desks for business travelers.
The development is Sleeperz second UK hotel and follows around £7m of investment in the Sleeperz brand and the opening of Sleeperz Cardiff in November 2008.
The company has plans to expand and Sleeperz Hotels has earmarked major UK cities, including Liverpool, Manchester and London as potential venues for hotels in the next phase of development.
For more about Sleeperz Newcastle, visit www.sleeperz.com.


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- Ontario
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- Québec
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- Prince Edward Island
- Saskatchewan
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Canadian movie listings and local showtimes
Tribute.ca showtimes search can help you plan the perfect movie night out! Find out what movies are playing at your favorite cinema-whether you want to see the latest action flick or you're planning a romantic night out with that special someone, we have you covered. We have movie times for every theatre across Canada- not only big cinema chains, but also small, independent theatres. Find films and theatres however you like. Search by postal code, 'Cinemas Near Me', city, province or theatre. Or just click on a city and our movie times program will do the rest.


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The political dispute between Algeria and Morocco continues to fester after one-day secret talks between the sides collapsed in Geneva.
The goal of this last week meeting mediated by the U.S. and France was to work toward resolving the main thorn in the relationship of these neighbors: the disputed Sahara region, Al Yaum daily reports.
But one day after the talks began, the daily reports, officials in Algiers ordered their delegation to leave the meetings. This order may have come directly from President Abd al Aziz Boutaflika (shown in picture).
Other issue besides the Sahara that was discussed included, Morocco's demand to strengthen control on the joint border to diminish smuggling of illegal items, such as drugs and weapons.
Nevertheless the most contentious issue between the two countries is the Sahara. Morocco claims sovereignty of this former Spanish colony, while Algeria backs the Polisario members who are seeking independence. In early November 1999, the new Moroccan king publicly offered proposals for ending the dispute, including holding elections for a royal advisory council in the disputed territory. He also affirmed the Kingdom's commitment to a UN-sponsored peace plan, in which a referendum will be held to determine the region's future. His main condition was that all potential voters must be able to participate. Differing views regarding voter eligibility have already caused long delays in the referendum, now scheduled for July 2000.
Expectedly, the Sahara issue prevented real progress in Geneva talks. The most problematic point was the future of Polisario arms. While Morocco claims that these arms will be collected and confiscated, Algeria rejected this demand and asked to implement the pattern that was used in 1982 in Lebanon when the PLO fighters left for Tunisia armed.
© 2000 Al Bawaba (www.albawaba.com)


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Chocolate and Bacon Candy Bar – Milk – Value Bundle of 6 (18 ounce)
- Made in the U.S.A.
- The Vosges Haut-Chocolat mission is to create a luxury chocolate experience
- Mo's Chocolate and Bacon Candy Bar combines smoky bacon and rich milk chocolate
- Gluten-free
- 41% cacao
Product Description
The Vosges Haut-Chocolat mission is to create a luxury chocolate experience rooted in a sensory journey of bringing about awareness to indigenous cultures through the exploration of spices, herbs, roots, flowers, fruits, nuts, chocolate and the obscure. To ensure this, Owner/Chocolatier, Katrina Markoff, personally chooses every spice, flower and chocolate that is flown into their Chicago kitchen.The newest flavor from Vosges, the inimitable Mo's Chocolate and Bacon Candy Bar, combines smoky bacon and sweet milk chocolate. Vosges creator Katrina explains the origins of this unique combination: "Crisp, buttery, compulsively irresistible bacon and milk chocolate combination has long been a favorite of mine. I started playing with this combination at the tender age of six while eating chocolate chip pancakes drenched in maple syrup. Beside my chocolate-laden cakes laid three strips of fried bacon, just barely touching a sweet pool of maple syrup. Just a bite of the bacon was too salty and yearned for the sweet kiss of chocolate syrup. In retrospect, perhaps this was a turning point, for on that plate something magical happened: the beginnings of a combination so ethereal and delicious that it would haunt my thoughts until I found the medium to express it--chocolate."Ingredients: Applewood smoked bacon, Alder smoked salt, and deep milk chocolate. Gluten free.41% cacao.
Product Detail
- Product Dimensions: 2 pounds
- Shipping Weight: 2 pounds
- Item model number:
- Average Customer Review: Customer Reviews


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If you are interested in a career at the Atlantic Boat Company our current job openings are listed here. Please download and fill out our Employment Application and return it along with your resume to
Note: Our employment application is a PDF fill-able form. You should be able to fill it out on your PC using the free Adobe Acrobat reader. If you do not have the Adobe Acrobat reader you can download it here: FREE Adobe Reader. You can also print the application and fill it out by hand and then Fax it to (207) 359-8948 or mail it via U.S. Postal Service to P.O. Box 217, Brooklin, ME 04616.
NOTE: You MUST use either the FREE Adobe Reader or Adobe Acrobat when filling out our application electronically. If you are using a MAC and a program other than Adobe Reader or Adobe Acrobat to fill out our application it will result in a document we cannot read. You can download the FREE Adobe Reader for the MAC here: Adobe Reader for MAC
Wanted. We are looking for an experienced yacht joiner capable of executing woodworking projects on high quality yachts, ability to do own varnish and painting a plus.
Wanted full time dependable and experienced Composite Technicians and Boat builders; Ideal candidates should possess laminating and fiberglass skills, be able to work independently as well as part of a team. We off er competitive pay, 100% paid employee insurance, vacation time, short and long term disability, and paid holidays.
Wanted full time Marine Mechanics; Ideal candidates should possess the necessary skills in performing maintenance and installation of marine engines, marine machinery, and related equipment and be able to work independently as well as part of a team. Experience in installation and maintenance of electrical systems, refrigeration and plumbing systems a plus but not a requirement. We off er competitive pay, 100% paid employee insurance, vacation time, short and long term disability, and paid holidays.
Looking for full time General boat yard mechanic who can work independently as well as part of a team; duties include installing engines, generators, marine plumbing, heating systems, and general mechanical repairs, marine engine training a plus. Pay is commensurate with experience. Benefits available.
Details for applying for this position are located here (at the Top of the page).
Click to Download our Employment Application Form


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Place the tempeh in a steamer and steam for 15 minutes or boil in water just to cover for 15 minutes. While the tempeh is cooking, prepare the sauce.
Place all ingredients for the barbecue sauce in a blender or food processor and puree. Remove the sauce and place in a bowl.
When the tempeh is finished cooking remove and place it on barbecue grill. Baste both sides of the tempeh and grill 5 minutes or so on each side. Remove and slice or cube.
Variation: This sauce is delicious on tofu, seitan, shellfish and seafood or vegetable shish kebabs. If a barbecue grill is not available this can be done either in a cast iron skillet on top of the range or under the broiler.
Per serving - 593 calories, 22 g fat (34% calories from fat), 42 g protein, 53 g carbohydrate, 13 g fiber, 0 mg cholesterol, 229 mg sodium


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When a website has a contact form where the email isn't shown, is there any possible way of know to which email is the contact form sending the message?
closed as off topic by AJ Henderson, Iszi, AviD♦ Feb 5 '13 at 12:11
Questions on Information Security Stack Exchange are expected to relate to Information security within the scope defined by the community. Consider editing the question or leaving comments for improvement if you believe the question can be reworded to fit within the scope. Read more about reopening questions here. If this question can be reworded to fit the rules in the help center, please edit the question.
1This doesn't seem to be a security question, per se. – Xander Feb 5 '13 at 0:18
When you submit a contact form, the information is transmitted to the web server and the web server then takes care of handling either sending an e-mail or filing it away in some other way. All you can know locally is that the information you entered was sent from your computer to the server, but after that, it is entirely up to them to decide what to do with the information you submitted and you have no visibility in to that process.
The only exception to this is if the form ends up doing a mailto: call that ends up launching your e-mail handler. In this case, the message would be sent locally and you could tell, but that is an exceedingly rare and silly way to handle a contact form these days.
No. You can not even assume, that an email is generated. The server could generate a support-ticket for the company's ticketing system as well without sending any mail.
It could be possible in badly coded contact forms, if the form is sending the email address as a hidden POST/GET variable, you can know that by inspecting the html code of the webform and searching for the @ sign. or by using a firefox plugin called 'Tamper Data'.
Otherwise it is not possible, the message could be just dumped to the database to await for an administrator attention.
It is possible to determine the sender address if
1) The target mail system has a problem that causes an NDR to be sent ("your message is delayed")
2) The target email account has a full mailbox... an NDR will be generated
3) The target account doesn't exists... causing an NDR to be generated.
Unless the email system (within your control) exposes it, the webserver may expose the address, or internals if you're using an unpatched webserver and the OS or web listener is hacked


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The Warriors made the deal acquiring guard/forward Andre Iguodala official on Wednesday, in a sign-and-trade deal from the Denver Nuggets and guard Kevin Murphy from the Utah Jazz as part of a three-team trade. Wednesday is the first day NBA signing deals can be announced.
The Warriors have sent center Andris Biedrins, forward Richard Jefferson and guard/forward Brandon Rush, a first-round pick in 2014 and 2017, second round picks in 2016 and 2017 and cash considerations, to the Jazz, as well as a 2018 second round draft pick to the Nuggets. The Nuggets also received guard Randy Foye in a sign-and-trade deal from Utah, while the Jazz also received a 2018 second round pick from Denver.


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Christopher Paul Stelling Bio
"It was like a fever dream. Every day counting blessings for safe passage." Out there on the road with his battered guitar, playing 260 shows in just the last year and half, across 46 states and 14 countries, acclaimed troubadour Christopher Paul Stelling says he could see it all out there unfolding on the horizon.
Amidst the euphoria of playing in bars, cafes, theaters, festivals, under bridges and in living rooms, were late night conversations with friends, new and old, about the under-currents of tension and change in their countries and concerns about what was hap-pening back in his own. He witnessed immigrant riots, saw the fires burning. "Back in places like New York or Los Angeles it was harder to see," he says, "But go to a Walmart in Oklahoma and tell me this wasn't coming."
And so Stelling wrote songs about it all. Darkly beautiful and powerful songs which became the album Itinerant Arias which arrives on May 5th. Months ago, these songs seemed cynical, even paranoid. After all, everything was going to be fine.
"I wrote this album about something that hadn't happened yet, and now it's happened," he says. "I played the songs for people and they said, 'That's not what's going to hap-pen.' And I would tell them, it really is. I'm not patting myself on the back about it. But I had been out their traveling the world, seeing it building. When driving by refugee camps and seeing people behind barbed wire fences it breaks you."
Of the album title, Itinerant Arias, Stelling explains, "these songs have in common no single origin, or sense of place. like found objects, overheard stories, lost melodies.... with no real home, but from a single voice."
Stelling has been on the move for years now. Left home early to roam and search. Pe-riods spent in Colorado, Boston, Seattle, New York City and North Carolina, all inter-spersed with further destinations to play his songs. His debut record Songs of Praise And Scorn was recorded at a functioning Kentucky funeral home. American Songwriter heard it and proclaimed, "this is what a real self-contained, modern-day troubadour looks and sounds like." Stelling's 2015 Anti debut was called Labor Against Waste. Big Takeover called him a "punk rock Leadbelly… a dynamo" while NPR Music wrote, "He's a great finger picker, a strong songwriter, listen to his words - you'll love what you hear."
Unlike previous records, Itinerant Arias finds Stelling backed by a band, electrified if you will. It is a record inspired by movement and travel. The album cover a photograph taken by Stelling himself depicting an arrangement of found objects on his table. With a little more than a week before returning to the road, he retreated to a friend's Con-necticut cabin out in the woods with some musician friends. They slept there, ate there and didn't leave for the next eight days, recording the haunting and powerful record.
"We would wake up in the morning, make coffee and record. The idea was just to live together, eat together and make this record. Having been alone and on the road, it was great to make a home with these musicians for those eight days. These songs were minimally demoed, arranged on the spot and recorded together live.
The album begins with the bittersweet ode to battered perseverance in "Destitute. As Stelling explains, "We begin at rock bottom. When all the layers of self pity are pealed away and all we have left to do is remind ourselves that it gets better from here. It's a song about putting one foot in front of the other, about looking up. A nice place to start."
Later Stelling addresses the plight of the refugee with the lilting and soulful "Sleep Baby Sleep." He explains, "I became aware of the Syrian refugee crisis first hand a couple years back when crossing the English channel from Calais to Dover. Seeing the camps, driving right past them, looking at me from behind the fences, desperate to find a home... and me able to pass, with the right passport, the right nationality, the right look made me feel ill. I've gotten to know some wonderful displaced Syrians in my travels and they are some of the dearest people I've met. This is a song for them."
The politically charged appropriately raucous "BadGuys" rages righteously against the ones who create turmoil, "Those nightmares creep into your reality," Stelling says. "You're reading about them in the papers. Who are these monsters and where do they come from? They're just terrified little children hell bent on destroying the world, but you and your people got some home-made and there's a second line coming down the street, everyones faces painted up like skeletons and you join in, because fuck it."
The record ends with the intimate acknowledgement of life's unavoidable uncertainty featuring Stelling's melodic guitar picking backed by strings and a moving vocal cho-rus on "A Tempest." "If we go, we'll go together. To think of life as many voyages that tumble into one. Each new journey informing the next, but there's always surprises and beautiful distractions along the way. We are on a ship out at sea, unsure if we are on our way back home or leaving for good. Who knows where we are headed? No-body. So enjoy it."


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Use debt limit to balance budget
This Monday, President Obama again asserted that the country would "default" if Congress did not raise the debt limit. "The full and faith and credit of the United States is not a bargaining chip," he said at a press conference. This is of course untrue — we have enough funds to service our debt and the only risk to our credit is the president's demagoguery and scare-mongering.
As even journalists pointed out during his press conference, Obama is simply refusing to negotiate. Rather than enter discussions about cutting the excessive spending that has driven $16 trillion in debt, he instead castigated the fiscally prudent with ad hominems like "irresponsible and absurd." At one point he said the Republican Party didn't care whether "seniors have decent health care … children have enough to eat."
Story Continued Below
All this obfuscation hides the real issue. When approaching this debt ceiling increase, there appear to be only two options on the table: balance now by refusing to raise the ceiling or balance never by raising it and continuing the status quo. The former would be difficult to absorb but the latter guarantees perpetual decline and a future economic Greece-like calamity.
Today our three organizations will join others in the conservative movement to call on the U.S. Congress to stop the madness and put a third, "balanced" option on the table.
Very simply, we can quickly jump-start our economy and improve the lives of millions of Americans by insisting that Washington not raise the debt ceiling unless our nation gets on a path to a balanced budget within 10 years that stays balanced.
Yes, starting down a path towards balance will require looking through the budget. What mostly drives our trillion-dollar deficit and our $16 trillion debt are unfunded entitlement promises. But getting back to balanced spending is not the only reason to reform Social Security, Medicare and Medicaid; we either reform these programs, crush future taxpayers with higher taxes, or erode the economic security of future generations.
Entitlements should not bear all the weight of spending restraint; discretionary spending, both in ineffective stimulus bills and in each year's spending bills, has ballooned. Just as American families spend less to make the checkbooks balance, the federal government must also show some restraint and return to reasonable levels.
While we as fiscal, social and foreign policy conservatives have differing priorities, we can certainly find immediate savings in the discretionary budget. Programs that benefit only a few - agriculture subsidies, green energy handouts, Planned Parenthood, etc. - have at least the appearance of cronyism and special interest handouts. Savings, starting in year one, would have a major impact in getting on a path towards balance by driving down interest costs in the future.


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- About
Brookdale in your Neighborhood
Brookdale has locations throughout Monmouth County for affordable access to higher education and student services close to your home - stop by our Centers in Hazlet, Freehold, Long Branch, Neptune, and Wall!
The award-winning book about the history of Brookdale - from the early colonial farmers, through the racing thoroughbreds of the Thompson stables, to the community college movement of the 1960s and the County's 1967 establishment of Brookdale.
- Academics
All Brookdale's programs and courses - whether offered on the main campus, at one of our Centers, or online - can be found in Acalog, our online catalog. You'll also find updated general information about admission and registration, the grading system, general education classes and much more.
WILL - Women in Learning & Leadership
WILL: Women in Learning and Leadership is a collegiate leadership program that provides participants with academic and co-curricular experiences designed to develop a student's leadership over the course of her undergraduate collegiate experience at Brookdale. Our Mission: Empower women students to become the future leaders of our local and global communities.
- Admissions & Aid
The Testing Center is located on the lower level of the CAR building - click through for summer hours.
Important Term Dates for Summer
All the dates you'll need for registration, payment, add or drop a class, college holidays, withdrawals and more.
- Continuing Education
Register Now - Center for Career Development
Registration is now open for courses offered by the Center for Career Development, including healthcare career training, continuing education for nurses, business management, computer training, marketing, and much more.
Register for our Summer 2015 Lifelong Learning courses
Registration is now open for our Summer 2015 Lifelong Learning courses and trips - look for all of the information here.
- Campus Life
Pick up your textbooks (and online orders) plus spirit wear, art supplies, athletic gear, trade paperbacks and art books, office supplies, gift items and much more! Next to the Paddock Convenience Store in the Warner Center.
Expand your learning outside the classroom! Student Activities presents guest lectures, live music, comedy performances, films, special exhibits, bus and theater trips, and more for Brookdale students.
- Services
Work Study, Experiential Learning, Internships and Externships, Volunteer Opportunities - everything to complement your studies and help you reach your career goals!
Brookdale has ranked #1 in campus safety in New Jersey for the second year in a row - learn more by visiting our Police Department online.


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Pipe Mania
What do you need help on? Cancel X
The simplicity of Pipemania makes it accessible to all ages. The player must lay down a pre-ordained set of pipes on a tiled grid in order to keep the constantly flowing Flooze moving for as long as possible without it spilling out. The game requires quick thinking, hand-eye co-ordination, forward thinking and keen spatial awareness.
Game News
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Wish List
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Yes, we celebrate Valentine's Day, although a market is more and more leading a commercialized farce...!
Jump to navigation
Do the preparation task first. Then read the article and do the exercises to check your understanding.
February 14th is traditionally a celebration of love, so how do people in the UK mark the occasion?
Sending a Valentine's card to a loved one is a custom that started more than a century ago. Couples give cards to each other, but it is also traditional to send an anonymous card to anyone you secretly love. This practice is particularly common in schools and can be a source of great amusement and embarrassment as everyone tries to work out who sent a card and who has a secret admirer! Valentine's Day symbols on cards include hearts designs, doves, and the figure of the winged angel, Cupid.
The card might also feature a poem. Probably the most famous lines from a Valentine's Day poem are:
Roses are red, violets are blue,
Honey is sweet, and so are you.
There are some ironic variations on this poem such as:
Roses are red, violets are blue,
You look like a monkey and smell like one too!
Millions of people use digital means of creating and sending Valentine's Day greeting messages such as e-cards, social media posts or printable greeting cards. Texting your Valentine message is an easy (although maybe not very romantic!) option. Valentine's Day text messages include:
As well as cards, February 14th is also a day for giving gifts. Traditionally, men give chocolates or flowers to their wives or girlfriends. There are lots of websites offering advice on which Valentine's present to buy. Popular choices include red roses, a box of chocolates, romantic songs, a phone, jewellery, a photo frame or perfume.
Some people think that flowers and chocolates seem a little ordinary and so they look for a more unusual gift. For romantic people with plenty of cash, these gifts could include a helicopter flight, a balloon ride, the chance to test-drive a Ferrari or an all-day session at a health club.
Others, however, complain that Valentine's Day is yet another opportunity for ever-increasing commercialism. For true romantics, the gift of love is enough. Valentine's Day is a popular day to either propose or get married – you'd never forget your wedding anniversary!
We asked a few Brits about their views on Valentine's Day and here's what they said. Following the tradition of Valentine's Day, all the comments below are anonymous.
Love it! I always send cards to my mates – and my boyfriend, of course.
I would prefer to go without it. I don't want gifts or money or anything like that. Knowing that I'm appreciated and that I can make others happy is good enough for me.
I got a card last year – but I still don't know who sent it. I haven't got a girlfriend.
My mum sends me a card every year. It's sort of sweet but I think I'm getting a bit old for that now.
It's just really humiliating. I've never received a Valentine's card in my life. A day to switch off my phone because I know I'm not going to get any messages.
My boyfriend sent me a text message last year on Valentine's Day. I suppose that's kind of romantic but I'd rather have a present or even a real card.
I sent an anonymous Valentine's card to a boy in my class when I was younger. Then my brother told him it was from me. I was so embarrassed!
I'm single so it's definitely irritating. It's too commercial anyway.
If a girl likes me I don't need to waste money sending her a card just because it's a tradition.
Chocolates, roses, cards, presents. Bring it on! I love Valentine's Day!
Do you celebrate Valentine's Day? If not, is there a similar day in your country?
Yes, we celebrate Valentine's Day, although a market is more and more leading a commercialized farce...!
Yes i celebrate Valentines day,but i don t have a boyfriend jet.Happy Valentines day everyone,wishes you iva10.
We do not celebrate Valentine's day, but if someone love with each other in my mind there is no need for Valentine's day for lovers every day even every second is valentine's day moment, please enjoy your life with lovers, wherever you are.
I completly agree with you!!!
am I the only one still FA? :v
Hi maihuong,
I'm not sure what you mean by FA. Can you explain?
Best wishes, Jo (LearnEnglish Teens Team)
Hi! I know the meaning of FA is forever alone that means you donnot have boy/girl friend or husband or wife, still alone.
I have no taste of celebrating this day!!
heck yes!! it's a very important part of the year.
We don't celebrate Valentine's Day in my country.
Love it! I always send cards to my bf
I like valentine's day text messages.it's very cute
Valentines day is so cut ... <3
I am from Bosnia and Hezegovina,we celebrate it with buying gifts,flowers,cards,... But,if you like your mate..you should show your love everyday,not only on February 14th ...
Valentics day is very interesting.IT is very romantic.
so valentines day is very romantic
yes cool
We celebrate Valentine's Day at school. It's a good tradition. Everywhere we can hear the laughter and see the smiles. It's great. But as for me, I can't understand this holiday. I think it's a good way to get flowers and chocolate. I love chocolate ^_^ But Valentine's Day isn't for me.
i do not celebrate valentine's day.in my country we celebrate three days in the year.
I don`t celebrate Valentine Day
In Azerbaijan it is not official holiday,but we can celebrate this holiday on 30th June.
I live in Estonia and I think Valentines day is celebreted in Estonia. People send cards and give gifts for their loved ones. In school we have a box where students can put their cards in.
In Romania we celebrate the Valentine's Day on 14 February,but is a similar celebration on February 24 called "Dragobete", which actually is the traditional celebration of ancestors.
Yes,we celebrate valentine's day,we do the same things<3It is sweet to see couples on the streets.I never got a present or a card or flowers but a child wrote my name on the school wall with big letters,this is my experience.XD lol
In Turkey only couples and radio stations celebrate it.(In Konya, I don't know other cities a lot)
I'm from Turkey. We celebrate this day but it's not a tradition to give cards anonymously here.
Couples give presents to each other. But , as you know women more cares about presents so men's presents are much more important than women's present.
Some Turks think that Valentines Day invented by malls :D I agree the shop owners earn a lot money before Valentines Day. :D
They said it in Aragaz in Metro, right?
I'm from Turkey. We celebrate valentines day in Turkey.Most of people gives eachother flowers and chocolate. -Dilara
Hi! In Turkey, we don't celebrate it tradionally but some couples buy each other chocolates, flowers or gifts.
No we don't celebrate this holiday we celebrate this holiday on 30th June
© British Council The United Kingdom's international organisation for cultural relations and educational opportunities. A registered charity: 209131 (England and Wales) SC037733 (Scotland).


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With ALAN WINSLOW
Who should take this class?
This workshop is ideal for students and street shooters who are already knowledgable with basic mechanics of the camera (controlling exposure, focus, aperture, shutter speed) and want to develop their technique and experiment with natural light. It's a great class for applying what you've learned in an introductory course like Field Guide I, furthering your understanding of light, learning to work faster on your toes and push your skills to a more intuitive level.
What you will learn
This six-hour workshop connects technical and creative concerns when photographing in the unpredictable nature of the city landscape. A more advanced course, The Street challenges students to get out and use the environment as a working tool, putting their learning to practice by observing and capturing compelling light, colors and compositions. We'll be practicing this on the street, but these skills will help you later in any type of photography.
What to bring
Bring your camera and we will provide you with a syllabus and field guide notebook.
If you are not familiar with controlling exposure through aperture, shutter speed and ISO, and generally working in manual mode, we strongly recommend signing up for Field Guide I: The Camera.


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Apple has released iOS 4.3 beta 2 to developers, and some digging into various system files has already revealed clues to new features that may be coming to the next-generation iPad. It also hints at new social media services, Ping notifications, and a possible February 9 announcement date for the next-gen iPad hardware.
Providing some clues about future camera features for the iPad is an image used to show a preview of what a new wallpaper image will look like on your home screen. That image contains icons for what looks like FaceTime, Camera, and PhotoBooth applications. This suggests that the upcoming iPad hardware revision, expected in the next couple months, will indeed have at least a front-facing camera if not also a rear-facing camera. Other system files suggest that PhotoBooth will offer image filters like Thermal Camera, Mirror, X-Ray, Kaleidoscope, and more.
Additionally, this image shows that the icon for Calendar appears to be set to February 9. 9to5Mac speculates that this could be a hint that Apple will announce (though not necessarily ship) new iPad hardware on that date. The same image in previous versions of iOS showed the date as January 27, the date the original iPad was announced. Apple announcements have often been scheduled on Tuesdays in years past, though, and February 9 is a Wednesday. Apple's special announcement events have been known to come on other days of the week, so this date is at least plausible.
Other evidence in iOS 4.3 beta 2 suggests that Apple is paying more attention to social media services for its mobile ecosystem. For instance, Ping will now have the ability to receive push notifications (for whatever that's worth) in iOS 4.3.
Additional strings and messages buried deep within the system reveal a "Media Stream" feature that looks to be incomplete, leading to speculation that the feature won't be ready until iOS 5 or later. However, it appears to reference features like "Find My Friends" to locate friends nearby, as well as sending "Photo Streams" to those friends. The feature also seems to be connected to MobileMe, possibly for syncing and media storage, suggesting Apple will integrate more features into the service to justify its $99 yearly fee.
The social media features aren't iPad-specific, however, and are likely to work across iPhones and iPod touches as well. Media Stream and Find My Friends probably won't surface until well after the next-gen iPad's expected launch in late March or early April.


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The California State University Employee Update
Tuesday, October 13, 2009
Applications to CSU Surge in First 13 Days
The California State University received almost double the number of applications from prospective students in the first 13 days of the application period this year over last. More than 100,000 students submitted their applications through the system's website csumentor.edu between Oct. 1 and 13 as compared to 48,858 for the same time last year.
The CSU's application period for first-time freshmen and community college transfers began Oct. 1 and runs through Nov. 30. The CSU will announce in early December which campuses and programs will remain open after Nov. 30.
The largest increase in applications came from community college students with more than 41,000 applying for upper-division transfer to a CSU, a three-fold increase from last year. Applications for prospective first-time freshmen increased by nearly 50 percent.
All 23 campuses will remain open for applications through Nov. 30 but at least 12 campuses will stop accepting applications from first-time freshmen and, in some cases, from community college transfers after that date. The CSU has undertaken a communications effort that includes a video on YouTube and outreach to schools and to the student media and general media to encourage students to submit their applications early to avoid missing the closing date of campuses or programs.
CSU Neutral on Oil Severance Tax Bill
State Assembly Majority Leader Alberto Torrico will be at several CSU campuses this week to garner support for Assembly Bill 656, the "California Higher Education Endowment Corporation: Oil and Gas Severance Tax". The measure would institute a new 9.9 percent oil and gas severance tax on any oil or gas producer in California with the revenues dedicated to California's three public higher education segments (CSU, the University of California and the California Community Colleges). The revenues generated by the tax would be allocated by a newly created board and without appropriation or oversight by the state.
The CSU has no official position on the bill. The CSU believes the legislation is well intended but feels it does not solve higher education's funding needs as it would not generate enough money to bring state funding support for the CSU back to where it was two years ago, nor would it fund future enrollment growth or meet other increased needs. In addition, with oil production in steady decline in California, it does not provide a stable funding source for the future.
The bill is in the early phases. It will be considered again in January and heard next in the Assembly Revenue and Taxation committee.
Legislative Update
The Governor has taken action on the more than 700 bills sent to him by the legislature including several key measures that were important to the CSU. Here is an update:
The governor vetoed:
- SB 218 (Yee): Public records: state agency: auxiliary organizations: The bill would have subjected the CSU's independent auxiliaries to the California Public Records Act (CPRA) significantly increasing costs to its auxiliary organizations while reducing non-state revenues to students. The governor stated in a letter to the legislature, "Subjecting the altruistic activities of private donors and volunteers to the CPRA will have a chilling effect on their support and service if they believe their personal privacy could be compromised." The governor added that enacting the bill would result in a loss of private donations at a time when the CSU is facing significant reductions in state funding.
- SB 86 (Yee): Public postsecondary education: executive officer compensation: The bill would have prohibited the trustees from increasing the monetary compensation or approving a monetary bonus for any CSU employee (that is not part of a union) in any fiscal year in which the General Fund appropriation in the annual Budget Act is less than, or equal to, the General Fund appropriation to the CSU in the annual Budget Act for the immediately preceding fiscal year. In his veto letter, the governor stated, "A blanket prohibition limiting the flexibility for the UC and CSU to compete both nationally and internationally in attracting and retaining high level personnel does a disservice to those students seeking the kind of quality education that our higher education segments offer. The Regents and the Trustees should be prudent in managing their systems, given the difficult fiscal crisis we face as a state, but it is unnecessary for the State to micromanage their operations."
- AB 690 (Ammiano): CSU Trustees and UC Regents: meetings: The measure would have authorized each ex officio trustee, except the Chancellor, to designate a person to attend a meeting or meetings of the trustees in his or her absence. The bill would have prohibited an ex officio trustee from designating more than one person to attend meetings of the trustees in any calendar year. In vetoing the bill, the governor said, " ex officio members serve by virtue of their experience and qualifications in sharing their perspective on issues impacting higher education. Allowing these members to appoint a substitute to attend in their absence creates a disincentive for the member to actually attend the meetings, and diminishes the value of an ex-officio member's contribution to the public discourse."
AB 1222 (Lowenthal) Alumni Affinity Sunset Extension: The bill would have ensured that California public institutions were able to continue their efforts to increase non-state resources for programs and student scholarships through services to recent graduates and alumni association members known as affinity programs. The measure would have extended the current sunset from January 2011 to January 2016.
The veto message that was provided for this bill said that it was premature because it did not expire until 2011.The CSU will pursue the bill extension again next year and since the bill had no opposition during the past session, the CSU does not anticipate difficulty passing it next year.
The governor signed:
- SB 147 (DeSaulnier) CSU: Career Technical Education Courses: The bill will bifurcate the current standards for admission to CSU and UC. It requires the CSU to adopt its own standards for admission for career technical education (CTE) courses, based on model curriculum standards adopted by the CSU's Academic Senate last year. Additionally it will require the CSU to duplicate the University of California's approval process for the CSU-only "g" general elective category. CSU estimates it will cost more than $450,000 to initially develop new CTE standards that would meet admissions requirements and $230,000 annually thereafter to review and approve courses.
More information on the bills is available on the Advocacy and State Relations website.
Campuses Keeping Close Watch on Flu
The CSU's campuses and the Chancellor's Office are monitoring the H1N1 swine flu and have emergency operations plans in place that include preparing for and responding to pandemic influenza situations. Each campus is also working in coordination with their local health agencies to report any suspected cases.
New resources are available on the federal government's flu website, FLU.gov, including an H1N1 Flu Self-Evaluation Guide for adults 18 and older and a new Flu Myths and Facts section. The website also includes a list of 10 Ways You Can Stay Healthy at Work.
Anyone who suspects they have the flu is advised to see their health care provider.


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- This event has passed.
Kate Breakey: Trees
October 26, 2018 @ 6:00 pm - 8:00 pm
An event every day that begins at 8:30am, repeating until January 13, 2019
An event every week that begins at 5:30pm on Thursday and Friday, repeating until January 13, 2019
Event Navigation
Etherton Gallery and the Tucson Botanical Gardens have teamed up to present a new exhibition Kate Breakey: Trees, highlighting the internationally renowned artist's delicately hand-colored pigment prints. An Artist Reception will be held 6-8pm, Friday, October 26, 2018 at the Tucson Botanical Gardens' Legacy Gallery. You can catch the exhibition until January 13, 2019. Tucson Botanical Gardens: 2150 N. Alvernon Way. For information about admission, hours, directions, contact the Gardens: (520) 326-9686. For information about Kate Breakey, contact Etherton Gallery: (520) 624-7370 or email@example.com.


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"February seems to be a huge month for EA, with the release of Dead Space 3 and Crysis 3, both the final installments in their respective trilogies, and both drastically changing the direction of the series.
Where one game moves away from the slow and horrific corridors of space to appeal to a broader audience, the other tries to combine the better features of the previous installments to please its fans."
I really wish games would get out of bloody New York. At least this one will see it covered with jungle :)
I'm kind of interested in the stealth mechanics. I know it's not a stealth game, but the ability to creep around is a good plus for someone like me.
push what? . the amount of detail on the copy and paste environments and character modeLs .? . very unique team here .
MP beta is underwhelming but I still have faith this will be killer


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Kapil.kale.07 necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 272 diseños de 76 diseñadores freelance.
We are a new web business that needs a logo.
Our business consists of helping users make recommendations to their friends for restaurants, florists, and other businesses they like. If they do it, we help them save money.
We want something positive, cute, but professional looking. Something modern.
We're targeting two groups of people: local businesses, and regular every day people.
The logo needs to be attractive and cute for the regular people, but professional enough to put on a business card when we're conducting sales calls. Nothing cartoony.
We want two things:
1. Our name written in a clean, strong font.
2. We want a pig of some sort included in the logo.
This is about it. We'll provide feedback to ideas we like based on the quality of work you provide.
IT NEEDS TO BE PROFESSIONAL- the key is having something that is clean and modern.
In terms of colors: I'd suggest viewing the palette used on this site (http://www.path.com) and avoiding using the green on the logo. We're open to others, but I'd advocate against pink (again, professional)
Update: I'd suggest submitting a monochrome logo for now. We can work out the colors. I care most about how your pig comes out looking (is it modern and simple?) and how good your typeface is (see facebook, quora, and plancast). A good type face has excellent horizontal alignment. Please keep the letters all in one case or capitalize the Z and P.
One note: the pig can be abstract. This is not a requirement or necessarily an encouragement though. We love Petit Cochon by Picasso.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Psst? Want a stock tip from…Carl Icahn?
Or perhaps the thrills and quick moves of a corporate raider like Icahn don't fit your style, but you'd love to buy and hold with a more conservative Warren Buffett?
Well, a convenient new ETF combining the consensus investment choices of billionaire investment mavens like Daniel Loeb, David Einhorn and Seth Klarman and an accompanying mobile app makes following the smart money easier than ever.
The new Direxion iBillionaire Index ETF (IBLN), which began trading Friday, is based on the iBillionaire Index (NYSE:BILLION), which tracks the performance of the investment buy and sell decisions of high-profile investors like Buffett.
Yes, this was always possible to do, since by law every institutional investor with investment discretion over $100 million or more is required to report portfolio holdings every three months to the Securities and Exchange Commission.
Savvy institutional investors have long combed these Form 13F filings for insights into the investing decisions of hedge fund managers and the like.
What's new here is putting that information into the hands of ordinary people, and packaging it into an investment for those interested in following billionaires' investment advice passively.
The brainchild of iBillionaire founder Raul Moreno, the index's purpose is to level the playing field between Wall Street and Main Street.
"Our goal is to democratize information that was only available to investment banks and very sophisticated investors in the past," Moreno told ThinkAdvisor in a phone interview. "It's easy to understand and easy to follow. And hopefully now with our partnership with Direxion, it's easy to invest in."
Moreno created software that "immediately and automatically" conveys the portfolio changes reported in 13F and related forms and schedules.
"We send out notification to users of our mobile app," which he says is available at no cost to anyone — you don't have to own shares of the ETF.
Indeed, for a new index that many professional investors have yet to heard of, the app is already barnstorming Main Street.
"iBillionaire is the index provider with the largest mobile community in the world," Moreno says proudly.
Launched just 18 months ago, the app has already been downloaded by 140,000 people, with about 70% of users in the U.S. and the rest mainly in China and Australia, Moreno says.
"If you look at reviews of the app, we are appealing to broad audience," Moreno adds, citing college kids trying to get a leg up on investing, "moms trying to get their kid in college" through savvy portfolio strategies — all the way to a [professional] managing $500 million for Morgan Stanley who says 'it's helping me to know what these [billionaires] are doing.'"
Beyond even pros at Morgan Stanley, the subscriber base includes three of the billionaires whose investments are tracked.
"I can't say whom, but they like to know what the other one is doing," Moreno says.
So how are these investors doing?
The iBillionaire founder says he conducted a back test of his portfolio with the New York Stock Exchange in which the billionaires bested the S&P 500 by more than double in the five years through November of last year.
Since the index launch last year, "the index is up 12.76% compared to 9.30% for the S&P," Moreno says.
Timing-wise, the ETF's debut coincides with a falling market, which could adversely affect performance of the index given its allocation.
"Risk-wise we are similar to the S&P; when markets go down, we go down. The upside is what really differentiates our performance," Moreno says, adding that the billionaires he tracks are essentially trying to beat the S&P 500, so that's the goal of the index.
While the mobile app tracks the moves of 20 different billionaires active on Wall Street — including Warren Buffett, George Soros, Carl Icahn, John Paulson, Daniel Loeb and David Einhorn — the index tracks just 10 of the billionaires — essentially those whose investment decisions have performed best according to iBillionaire's propriety model.
The identifies of those 10 are also proprietary, but one can view portfolio data on Direxion's site, which shows that Williams Cos., Micron Technology and Apple are the current top holdings.
"We said let's create a strategy where we hold 30 large-cap companies where billionaires invest the most assets," Moreno says, adding that each of the 10 billionaires is equal-weighted in the portfolio — so every holding has the same weight, 10% for each billionaire.
"Sometimes they have contradicting views, so putting them together you get a consensus of 10 of the most brilliant minds in finance," he says of his diversified billionaire portfolio.
"Buffett is anti-technology, but Icahn's bullish on tech, so mixing them together you get the best of both worlds."
Moreno says iBillionaire removes billionaires with more than 50% turnover in order to focus on long-term equity performance. The index rebalances quarterly, and Moreno rotates his 10 billionaires annually.
To those for whom this quarterly and annual reshuffling is too mellow, the app can serve their adrenaline needs.
"When Carl Icahn bought shares of Family Dollar, we sent out notification to users in an e-mail," Moreno says. "Earlier this week it was announced that Family Dollar was bought by Dollar Tree, and the day after he sold his position [in Family Dollar], we sent out notification of that too."
Investors can also play with the app for their own research or amusement, plugging in, say, Starbucks, to see which billionaires own the coffee company and how much of it they own, Moreno adds.
Related on ThinkAdvisor:


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10 things readers want in a history of the world
Andrew Marr's History of the World is attempting to tell the story of civilisation in eight hour-long episodes. Last week he spoke of the difficulty of choosing what to include, and what to leave out.
Charlemagne didn't make the cut. Mughal emperor Aurangzeb did. And there had to be a host of other difficult omissions.
We asked for your suggestions for often overlooked moments in world history. Here are 10.
1. Industrial ammonia
"The work of Fritz Haber and Carl Bosch in 1909 is particularly important. They paved the way for a worldwide expansion in mechanised agriculture." Ade Jones, Lydney, Glos
In 1909 Fritz Haber and Carl Bosch created a way of producing huge amounts of fertiliser by artificially synthesising ammonia from nitrogen and hydrogen.
The fertiliser increased crop yields which allowed more food to be produced for a growing population. The process was described as conjuring "bread from air".
Without the Haber-Bosch process, about 40% of people - nearly three billion - would not be alive today because we could not produce the amount of food we need, says environmental expert Professor Vaclav Smil from the University of Manitoba.
"We have to eat and drink, everything else is optional. In that sense it's the most important scientific discovery. Organic agriculture would not provide enough food to feed the world."
But Haber's contribution to agriculture is often overshadowed by his work developing chemical weapons. During World War I, he developed the use of gas for warfare and his work was later used by the Nazis to poison Jews in the gas chambers.
Of Jewish descent but "pardoned" because of his patriotic efforts in World War I, Haber was expelled from Germany after he refused to fire Jewish workers. He died of a heart attack one year later in 1934.
"We should remember his peaceful efforts before the Great War and recognise his contributions to science, useful for the whole of humanity to stave off possible famine," says Haber's godson, the historian Fritz Stern.
"He was a prime example of the complexities and contradictions of a scientist in wartime."
2. Andreas Hofer, rebel Austrian leader
"The story of Andreas Hofer deserves to be much more widely told." Dr Andrew Bellenkes, Pinswang, Austria
In 1809 Andreas Hofer led a rural rebel army to fight against Napoleon's troops to try and claim back Tyrol, a region of Austria that had been given to the German state of Bavaria.
An innkeeper in the countryside, his army was made up mostly of peasant workers and farmers. They only had improvised weapons and primitive military tactics.
For a short period in 1809 he ruled the land, announced new laws and made his own coins. But his success was short lived, and less than a year later, in exile, he was betrayed and executed.
Today he is celebrated as a hero. He has museums, books, streets and hotels named after him, but not many outside of Austria know who he is.
"If you look to Europe during the Napoleonic era, Tyrol was not of economic importance, it was just keeping the traffic routes between the North and South open," says historian and director of the Tiroler Landesmuseen, Wolfgang Meighoerner.
3. Alhazen and his work on optics
"The great Arabic scientific work of the 10th Century, and in particular the life of men such as Ibn al-Haytham (Alhazen)." James, Bristol
Ibn al-Haytham was born in about 965 in what is now Iraq, and is regarded by some by some as the real father of the scientific method, predating Francis Bacon and Rene Descartes in the 17th Century.
Al-Haytham was the first to disprove the theory that we see objects by rays of light emitted from our eyes, realising instead that we see because light enters our eyes.
No other scientist before him had used maths to prove this process, says Prof Jim Al-Khalili from the University of Surrey.
"When the great scientific revolution took place in Europe, science had advanced so much that people forgot it was built on previous knowledge."
Al-Haytham was part of the golden age of Arabic science, and while Europe was stuck in the Dark Ages, he filled the gap, says Al-Khalili.
4. Danube script
The Neolithic civilisation of central Europe (6000-3,500BC) and the enigmatic Danube script, which possibly influenced the first true writing." Jeremy Glover, Leighton Buzzard
The Danube script is a controversial subject among archaeologists, some of whom claim it is the earliest known form of writing in the world.
The early signs are found on Neolithic artefacts such as pottery and spindle whorls, concentrated in the Balkans and associated with the Vinca culture.
Some think tablets from Tartaria, in Romania, are exceptional as they "really look like 'writing'", notes James Mallory, professor of prehistoric archaeology at Queen's University in Belfast.
But he says no-one can tell for sure whether they are random symbols, a system of select magical symbols, or possibly some form of early writing.
There has also been a debate about whether they actually date to the Vinca period or were later insertions into the mound, he says.
5. Double-entry book-keeping
"Double-entry book-keeping, which revolutionised commerce first in Europe and then the world over." Philippa Sutton, Newcastle
Double-entry book-keeping, which is widely believed to have been introduced to Europe in the early 16th Century by the monk Luca Pacioli, is a financial accounting system. It recognises that all transactions have two aspects, a credit and a debit, and in a properly constituted set of books, the two sets of figures always balance.
Prof Christopher Napier from the Royal Holloway, University of London, says the system provided a standard structure for businesses and individuals to record transactions, and it helped entrepreneurs and investors to measure their capital, and the profits of their business.
Some people argue that double-entry prompted a shift in culture, Napier says, from a time when the goal was simply to earn a good living, to a culture where the goal was to maximise one's capital. But there are some historians of accounting who argue it's possible to overstate the influence of double-entry, Napier says.
6. Seven Years' War
"The Seven Years War was truly the first WORLD war and is overlooked in history." Cleggy, Northfleet, Kent
The Seven Years' War (1756-1763) involved all the great powers of Europe and saw France, Austria, Russia and Sweden on one side, and Britain, Prussia and Hanover on the other.
Michael Ball, curator of Britain's National Army Museum, says the Seven Years' war could arguably be seen as the first world war, "not in the sense of the 20th Century wars, which saw entire nations mobilised for war, but in terms of geography".
"The battles affected North America, India, the Caribbean, the Philippines and large parts of central Europe," he says.
Prof Mark Knights, of the University of Warwick, says the Seven Years' War could also be seen as the first world war due to its "shockingly high" casualties.
"Estimates vary but it is likely that more than a million people died," he says.
The result of the fighting, which saw Britain acquire Canada from the French and control all of North America east of the Mississippi, was also "very significant", according to Ball, and ultimately led to the American war of Independence.
It also saw Britain become, arguably, the first world power, he says.
7. The Kingdom of Axum
"Civilisations are neglected. What about Axum?" Berhanu Tessema, Addis Ababa
The Kingdom of Axum (or Aksum) rose to prominence as a trading nation in the 1st Century, and at its height became the greatest market of north-eastern Africa.
Its most renowned surviving monuments are a group of memorial obelisks, or stelae.
There are many reasons for including Axum in any world history, says James Burns, author of A History of Sub-Saharan Africa.
The kingdom represents a significant and highly innovative urban civilisation.
"Its economy was based on the cultivation of crops grown exclusively in the Ethiopian highlands, supplemented with cereals and technologies imported from Asia. It was one of Rome's great trading partners, and they rose and fell in close parallel," he says.
The kingdom was one of the earliest regions of Christian conversion in Africa. "The image of an isolated Christian kingdom captured the imagination of Christians in Europe throughout the Middle Ages", he says.
8. The law code of Hammurabi
"The law code of Hammurabi ought to be in too - the first time a ruler laid down a coherent set of laws which all his people must live by." Ben Gate, Pontypridd
A basalt stele (slab) protrudes into Paris' Louvre like a thumb. On it is the earliest truly extensive documented set of laws of the ancient world, written in Akkadian.
It is commonly referred to as the Law Code of Hammurabi, but some experts argue it's not really a law code at all. It does however provide an incomparable insight into life and justice during King Hammurabi's reign (1792-1750BC) as first ruler of the Babylonian Empire.
The stele sets out the famous principle of "an eye for an eye". But also included are familiar concepts of evidence-based justice and giving testimony under oath - even provisions for the maintenance of divorced wives.
There were precursors to Hammurabi's laws, explains Dr Frances Reynolds, Assyriology expert at Oxford University, but the stele and 130,000 clay tablet documents from the period establish the king as a "fantastic administrator".
It perhaps explains why he adorns the wall of the American Supreme Court, suggests Reynolds.
9. Rise of the Khmer empire and creation of Angkor Wat
"The Khmer Empire reaching its peak in the 12th Century and its influence on south-east Asia." Paul McShane, Edinburgh
Thousands of backpackers and awed holidaymakers have stood and gazed at the massive temple complex of Angkor Wat deep inside the Cambodian jungle.
The Angkor temples are legacies of the Khmer Empire, which dominated south-east Asia from the 9th Century.
"One of the first and certainly the most important classical civilisation of southeast Asia, it set the standards by which kingdoms and societies that came after measured themselves", says Dr Charney, an expert from SOAS.
Angkor became the "largest pre-industrial urban complex in the world", says Cambridge PhD student Mary Beth Day, featuring the "most sophisticated hydraulic engineering and water management system". The Khmer could collect and store water across 1,000 square km, channelling it directly to rice paddies.
Yet the empire's demise remains a "contentious issue", says Day, with many details shrouded in mystery.
10. The life of Simon Bolivar
"Simon Bolivar's liberation of five countries from the Spanish yoke." Luis Rodriguez, Leigh-on-Sea
Inspired by European enlightenment philosophy, Caracas-born Simon Bolivar helped liberate his people from the Spanish Empire, gaining independence for the modern-day nations of Bolivia, Colombia, Ecuador, Panama, Peru and Venezuela.
His political rule was less successful. Unable to fend off factional enemies and increasingly dictatorial, Bolivar died awaiting exile in 1830, "disillusioned that he was unable to maintain the ideals of freedom, liberty and equality", says Dr Matthew Brown, a Latin America expert at Bristol University.
Bolivar's impact was nevertheless vast.
The "most significant figure" to emerge from Latin America, he was even "more important than [US President George] Washington", says Anthony McFarlane, emeritus professor at Warwick University.
He played a critical role in the decline of the Spanish Empire, which in turn marked a huge shift in global imperial relations. Bolivar's leadership also served as a "model" for later anti-colonialist movements, adds McFarlane.
Reporting by Tom Heyden, Vanessa Barford and Melissa Hogenboom


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It's a simple fact: food is more fun when it provides a pretty visual. And what could be a more fun way to enjoy the official treat of summer—ice cream—than in the form of rainbow ice cream pops?
How you attain your rainbow of ice cream hues is up to you. You can either use ice cream flavors which are naturally tinted in the colors of the rainbow (for example, strawberry for red; orange flavored for orange; French vanilla or banana for yellow; green tea or mint chocolate chip for green; any kid-friendly blue ice cream for blue; and blueberry for violet), or, if you don't want to invest in five ice cream flavors or feel that the flavors might not be harmonious, you can also attain this look by tinting vanilla ice cream with food coloring.
Assembly is easy: simply stack your colors in popsicle molds (I used the Orka mold) or even paper cups, insert a stick, and let them freeze. This recipe couldn't be easier, and the finished product is a pleasurable frozen treat with a visual twist that makes it that much more delightful to eat.


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May 7, 1927 – July 16, 2013
BATAVIA – A memorial service will be at 10:30 a.m. Friday in First Presbyterian Church, 301 E. Main St., for Ernest M. Found, a practicing attorney for 43 years, who died Tuesday. He was 86.
Mr. Found served as Genesee County district attorney for nine years. He was a partner in the law firm Stakel, Suttell and Found.
A Navy veteran of World War II, he was a member of the Lions Club and the Batavia Area Jaycees. He served as deacon, elder and trustee at First Presbyterian Church.
Surviving are his wife of 64 years, Eleanor; a son, Ernest Jr.; and two daughters, Marilyn and Grace.


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Berkshire Hathaway CEO Warren Buffett talks about how his business partner Charlie Munger analyzes business more thoroughly than most investors.
Pimco CEO Mohamed El-Erian talks fiscal cliff, European crisis, China slowdown and more.
Sheila Bair, Karen Hughes, Mellody Hobson and Elaine Kamarck offer Romney and Obama advice for the Presidential debate.
Why Irene Rosenfeld is at peace with her smaller, tastier snack empire Mondelez.
Ex-Yahoo CEO Carol Bartz's advice to the current CEO Marissa Mayer - 'changing culture is not a sprint, it's a marathon.'
Ginni Rometty's mother's advice - 'actions speak louder than words', 'nothing is insurmountable' and 'you define yourself'.
The actress turned entrepreneur discusses what it was like to grow up on a military base and launch her own company.
The venture capitalist says anyone building a startup now must be able to do one thing "uniquely well."
Tyra Banks shares her mother's advice: Always think three steps ahead and be an independent woman.


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I hereby authorize Cluck-U, Corp. and its agent(s) to thoroughly investigate my background, employment record, criminal record, credit history, and other matters related to my qualifications for a Cluck-U Chicken Express Franchise unit. I authorize any person, including my current employer (if applicable), previous employers, credit reporting agencies, or other reporting persons or organizations contacted by Cluck-U, Corp. to provide any relevant information regarding this application or my history.
I waive my rights under the Privacy Act, 5 U.S.C. 552a and similar state laws.
By submitting responses to this questionnaire, I agree that Cluck-U, Corp. many rely on my responses.
I understand that misrepresentation or omission of facts may result in rejection of my application. By typing my name and submitting this questionnaire, I agree to all the preceding terms.


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Deena Jonez - El Futuro [Unsigned Hype]
"Deena Jonez - Memoirs Of A Libra - Available @ www.deenajonez.com MIMS Music Group/Head Make Book Productions "
Please click the "Report" button below if the video on this page is not working properly.
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Applewood Smoked Bacon
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This story won 2nd place at the April 15 Ten Fingers! Ten Fingers is a free, all ages San Francisco storytelling event. Anyone can come up to the stage and tell their nonfiction story--any story, as long as it's under ten minutes. More info at storytellingsf.blogspot.com.
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New Harleys Cruise with Deep-Drawn Fenders
|Tools, Inc. deep-draws the stainless-steel outer fender of this new Harley-Davidson Rocker. The outer fender is bonded to a high-strength inner fender for increased strength.
Sounds simple enough to the average bike enthusiast, but we in the metalforming community know that forming a fender from stainless steel is anything but simple. Yet that's exactly what Harley-Davidson requested of its supplier, Tools, Inc., Sussex, WI, when it released production requirements for its new 2008 Softail Rocker motorcycles.
Tools, Inc., a long-time supplier of metal stampings, assemblies and tooling to Harley-Davidson, operates a pressroom stocked with three deep-draw hydraulic presses (450, 850 and 1000 tons) as well as mechanical presses from 95 to 600 tons. The firm also provides value-added activities including five-axis laser trimming, robotic gas-metal-arc welding and resistance welding.
A Big Role for Die-Engineering SoftwareFor its latest Harley project, Tools, Inc. invested 10 months developing a process to deep draw the new Rocker motorcycle's fender, of 20-gauge Type 304L stainless steel. It started by using its Dynaform die-system simulation software (from Engineering Technology Associates, Troy, MI) to gain a basic model of what the tooling would look like, and calculate blank and die sizes.
Tools, Inc. employs three of the Dynaform modules to streamline the die development and virtual tryout process: Blank Size Engineering module, for blank-size estimation as well as forming-failure analysis from blank thinning (the module also creates a forming-limit diagram); Die Face Engineering module, which provides CAD surface and CAE meshing tools to generate binder surfaces, addendum profiles and draw-bead layouts; and Formability Simulation module, a complete incremental die-simulation program that performs design-feasibility analysis and verification, plotting stress, strain and thickness results, and generating a complete forming-limit diagram.
A Switch of Tool Steel and Coating
Type 304L stainless-steel blanks,
20 gauge, are deep drawn in an 850-ton AP&T hydraulic press, then laser-trimmed in a five-axis Prima cutting machine before undergoing a final restrike in a 1000-ton hydraulic press.
"The key to the project was selecting the right tool steel, coating and blank dimensions to get a successful draw," says Brian Snyder, Tools, Inc. president. "Typically, to draw stainless steels we would use an aluminum-bronze material, to prevent galling and any imperfections on the Class A drawn part. But given the rigors of this application, a stronger material was required."
After researching various tool-steel options for the fender project, the firm settled on DC 53, an alloy manufactured in Japan by Daido Steel and marketed in the United States by International Mold Steel, Florence, KY.
"We also investigated several different tool coatings for the DC 53 tools, eventually specifying a proprietary coating after first testing the tools with coatings deposited by ion-nitride and titanium-nitride processing," says Snyder. The firm also tested a variety of drawing lubricants, settling on a dry lube supplied by PPG. "Wet lubes failed to withstand the drawing severity and heat created during the draw," adds Snyder. "We've deep-drawn stainless steel before—more symmetrically shaped parts such as wheel inserts for tractor-trailers. But the asymmetrical fenders are more challenging, creating forces that proved difficult to balance with conventional materials and lubes."
The combination of DC 53 tool steel, the proprietary tool coating, and the dry lube proved very successful for drawing the stainless steel. The firm expects an increase in tool life by a factor of three to four compared to aluminum-bronze tooling, Snyder says.
Extreme Cushion Tonnage Required
With tool steel and coating specified, the firm went to work developing the blank and draw-bead layout, to provide the required holding force to complete the 9-in. draw, yet minimize the size of the addendum.
"We focused a lot of time and energy profiling the cushion tonnage and other press parameters," adds Snyder, describing the process developed to draw the fenders on a 2002-vintage 850-ton AP&T hydraulic press. The press boasts a 450-ton cushion and 63 by 99-in. bolster.
"We have to use a relatively high cushion force of 300 tons," Snyder says, "probably 2.5 times what we'd use for a mild-steel blank of this size. We also use a larger-than-typical blank in order to keep the shock lines off of the Class A surface. To minimize oil canning and manage the residual stresses building up in the sidewalls during drawing, we located the draw beads outside of the Class A surface, which necessitated a wider blank than we might typically use. This contains the stresses in the offal."
Residual-Stress Buildup a Challenge for Laser Trimming
After a single draw in the press, parts move to one of four five-axis laser-cutting machines at Tools, Inc. All of its laser-cutting machines were provided by Prima North America, Chicopee, MA.
"Laser trimming of deep-drawn parts has really taken off for us," shares Tools, Inc. sales manager Mark Voegeli, "not only for stainless-steel parts but for some of the newer advanced high-strength steels gaining in popularity. Some of these alloys are too hard to trim using traditional dies. We've added two laser-cutting machines in the last couple of years to better handle this type of work. Trimming the Rocker motorcycle fender would have taken multiple die hits, rather than one setup in the laser cell."
Each of the firm's laser-cutting machines are dual-cabin setups that allow cutting in one cabin and load/unload in the second cabin. Or, the partition separating the two cabins can be removed to allow processing of large stampings.
Laser-trimming the deep-drawn fenders proved challenging as the exceptionally high residual stresses in the sidewalls initially caused the stampings to shift in their fixtures during cutting. "The the scrap would peel off of the part during trimming caused us to re-engineer the laser-cutting fixture," shares Snyder. "We had to develop a combination of electronic, mechanical and pneumatic clamps and use proximity sensors to gauge the part during fixturing, and to more securely hold the part during cutting. The sensors check the location of critical-tolerance part features to within ±0.010 in. The fender has subtle form features that must be accurately located relative to the trim line."
On to Restrike
After laser trimming, the Rocker-motorcycle fenders move to a 1000-ton hydraulic press for punching (to make holes for the license plate and tail-light brackets) and then are hand-transferred to a second die for a restrike operation, to straighten the sidewalls.
"The success of this project, and other more challenging deep-draw work," shares Snyder, "comes from our recent investments in new hydraulic-press technology, laser-cutting capacity, tool-steel development, and our ability to try out and develop dies virtually using the Dynaform software. We're poised to perform the most complex draws that designers can draw up, particularly with the newer high-strength steels as well as stainless steels." MF
See also: ETA Dynaform, International Mold Steel, Prima Electro North America, LLC
Related Enterprise Zones: Fabrication, Lubrication, Materials/Coatings, Presses, Tool & Die
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CJxxGYxx93 Veteran URBAN MADNESS Wednesday 19/05/2010
To build a good survivor deck ill be honest a fair bit of money does help but not allways in some cases heres two of mine i reached 6 wins with this one: http://www.urban-rivals.com/presets/?id_preset=1248809&list
and 9 wins with this one:http://www.urban-rivals.com/presets/?id_preset=1272479&list
so post up ideas and thoughts into building good survivor decks for poeple on a budget (it affected me for a long time)
XC 1984 Imperator E X C A L I B U R Thursday 20/05/2010, 01:08
For elo survivor
SOA is needed
i tend to pack my decks with them to combat vs Pill manipulation which can ruin your streaks because once they have that pill disadvantage from the start they can control the game
XC 1984 Imperator E X C A L I B U R Thursday 20/05/2010, 01:24
Whoops i mean pill advantage no disadvantage XD
mono is recommended in elo survivor as is a semi mono deck (6-1-1 splits for example).
examples include rescue who i have seen get high records in this game type and are frequently used in the game type.
however half decks are just as good and will help counter weaknesses lets not forget.
even 4-3-1 splits are still relatively strong in this game type.
so there is a choice with survivor elo
mono - means you always have that ever so important clan bonus in your hand at all times but it might become a struggle vs weaknesses and can guarantee a loss.
dual deck - means you can cover weakness and not have to rely on some dodgy choices for your mono deck however you can experience poor 3-1 splits that can ruin you as the bonus is quite important in elo survivor for the win streak.


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Possible Duplicate:
What is the Golden Chest?
A pop-up says I have a golden key. Do they only work with the chest near the fast-travel station in Sanctuary?
What kinds of weapons/items does it spawn? Are they of a specific rarity set? What are the contents influenced by (e.g., level, game progress, other attributes)?


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Leonardo da Vinci
Gallery of Tattoo designs inspired by Leonardo da Vinci.
Discover anything and everything about Leonardo da Vinci. Including his written works, drawings, paintings, news, and original content.
I haven't been maintaining this site or much of an online presence for the last year but my old sites are listed below. I'll be coming back soon, soo brace thy self!
This website started as a way to post research for a book I was working on for the previous 11 years (various titles) but has since been abandoned, perhaps to be revisited in the future, but until then I am working on other project(s) which are upcoming and heavily influenced by my "da Vinci days" albeit focused more towards the future than the past - which I guess you could say is what I learned from Leo. "Think well to the end, consider the end first."