text:
Baruch MFE Upcoming Events: Meet Us in Peking University
As one of the top 5 MFE programs in the world, Baruch MFE Program is famous for its strict admission (6% admission rate); perfect career service (100% placement rate); and strong alumni network and Wall Street renown (over 90% of alumni work in the financial industry in New York). Beginning in 2012, Baruch MFE built a close cooperation with NSD and recruited top talent from NSD successfully.
We welcome you to participate in Baruch MFE recruiting events in Peking University beginning in September 2013. You will have an opportunity to learn directly from our professors, alumni, and program director about career development after graduation, curriculum, and application. You will also have convenience to apply Baruch MFE program through the internal track, and take the admission interview.
NSD's Double Major Program is the only program worldwide where the Baruch MFE program recruits directly.
Date: October 21-25
Location: Peking University
Details will be released at the beginning of the 2013 fall semester
You are also invited to visit Baruch MFE website to get more information of the program. http://mfe.baruch.cuny.edu/
Should you have any questions, please contact us Via email at firstname.lastname@example.com
We look forward to meeting you in Peking University.


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Take Shelter?
Norman Jewison's The Statement?
the Indian Runner?
Martha Marcy May Marlene?
Martha and Take Shelter would make a good double feature.
The Statement is ok but nothing great.
Take Shelter and MMMM are great, but a double feature?! That's enough to make even the strongest willed cinephile wanna kill himself/herself!
How about you throw Melancholia into the mix and have a razorblade ready in hand…
Don't knock it till you try it! haha
Anyone want to suggest a lesser-known English language director from the 1930s-1950s era I should look into? I just did a Phil Karlson quintuple-feature and I think I'm going to move onto someone new.
Still haven't seen quadruple-M, might watch it soon.
I ended up watching the NBC comedies on Hulu, so I'll pick 'tween the four tonight.
Flip, I'm not sure, maybe hit up Cat with that request (with Cecil gone, she's the only other one I can think of), and Grey Daisies, I think.
Ok, I'll play this game. I'm going to start a movie in about 20-30 minutes. Here are my choices:
The Crucified Lovers (Dir. Kenji Mizoguchi)
Deep Crimson (Dir. Arturo Ripstein)
The Young Girls of Rochefort (Dir. Jacques Demy)
deep crimson! u can thank me later (when u can't sleep!) xD
flip trotsky, it seems like we've done this before…
(i still like saying that name)
Looks like Ruby has cast the deciding vote.
gotta go with The Young Girls of Rochefort, Deneuve is beautiful
Ruby -
—> flip trotsky, it seems like we've done this before…
You're right! But I've watched almost all of those already. :-)
I decided to watch John Brahm's Hangover Square (pretty cool! and a wow-good score by Bernard Herrmann) and I might watch The Brasher Doubloon next, or I might watch a John Farrow noir, not sure!
yay, i love hangover square! also the lodger and the locket
haven't seen the brasher doubloon but script by raymond chandler, can't be all bad…
Uli, not sure what you thought about it, but Parks and Rec is rocking the HOUSE these days (assuming that was one of your NBC Thursday night Hulu shows). I awesome sauce P & R
And now for my own options, courtesy of the public library:
Tinker Tailor Soldier Spy?
The Wild Bunch?
The Haunting?
Win Win?
Marcel Proust's Time Regained? (though I have never read Remembrance of Things Past)
Or I might just continue reading The World According to Garp. For a long time I was under the impression that John Irving was just a hack, bestseller-type author, but then I read A Widow For One Year, really liked it, and so far am equally impressed with Garp. So, well done John Irving, you don't suck, plus you introduced me to Graham Greene :)
Well, Captain, Yimou is one of my favorite directors, so I think you can't go wrong with Ju-Dou, Tinker Tailor was a solid film and I'd recommend Page Eight for a nice Brit Spy Double Feature.
And yeah, P&R is working top notch right now.
The Asphalt Jungle followed by A Man For All Seasons.
@Captain: If you mean the Robert Wise version of The Haunting, it's pretty freaking good!
@Ruby: I've seen The Lodger too – also good! Though I thought Hangover Square was better. I can't find a copy of The Locket, or I'd watch that for sure. I probably should have watched The Brasher Doubloon last night. Instead I watched John Farrow's Alias Nick Beal, which had some good qualities but which I didn't care for so much, even if it was apparently Farrow's favorite of his own films.
I am about to watch a double feature of The Zookeeper and Tinker Tailor Soldier Spy.
Zookeeper?? Did you lose a bet or something?
i can't resist the double bill of the third man and brief encounter on tcm
no matter how many times i've seen them!! <3 trevor howard
hahhaha, that was mean, Ari, he's probably watching it for a girl
right, cuz girls like stupid films. ^ i wonder if his wife knows about this…
i'd watch Titanic for the right girl, and I DO NOT want to watch that fuckin' movie
Uli, If she's the right girl she wouldn't want to watch Titanic either. I went and saw The Raven tonight. I'd recommend waiting to see it. It's ok. I was kind of entertained at times, but it was predictable and the acting was bad (sorry John Cusack).
Actually, Zookeeper was for a girl. But I had forgotten that the movie included talking animals. As soon as I realized this horrifying fact, I decided it was nap time! Gonna be starting up TTSS in about 15.
Nathan, then try to find Page Eight
@Ruby- I just saw a special showing of The Third Man at the theatre this afternoon, part of SF Film Fest. Good times!
Now I'm torn between catching Quadrophenia on a big screen 1.5 hours away from now, or staying put, order pizza and watch Thou Shalt Not Kill… Except on disc.
My gal still won't believe this deranged killer was the same dude who directed the Spiderman series-
Sam Raimi! I still haven't seen Drag me to Hell; was that any good?
Drag Me to Hell was frenetic Raimi happiness, indeed.

subset: commoncrawl


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The best way to start the week is to know what's going on. So here are a few stories about what's been happening today.
- Anonymous has decided that the Canadian government is worth its attention. Interesting. Weren't they just attacking the Westboro Baptist Church? Nice to see the Harper government is in good company.
- It's no secret that I love Azealia Banks. But she got in a bit of hot water this weekend via Twitter. Seems like she called Perez Hilton a "faggot." He's a lot of things. And there a lot of names he could be called. But Banks ended up pissing off a lot of people, and she may have lost her record contract. Here's a recap, via Queerty.
- Liberace was one of the gayest men to exist. So how come a bunch of studio heads thought that a movie about him would be "too gay"? (Via Gay Star News)
And finally, a new video by Ab Soto. Mildly NSFW, but entertaining nonetheless.


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US Airways has informed the New York Department of Labour that it intends to layoff 299 employees at its Piedmont Airlines subsidiary between March and July of next year.
The layoffs stem from a slot swap deal recently concluded between US Airways and Delta Air Lines at New York LaGuardia and Washington National airports. US Airways is transferring 132 slot pairs at LaGuardia to Delta and receiving 42 at National from Delta.
US Airways warned of the layoffs back in 2009 when the two carriers first announced their proposed slot swap as the trade of its Express slots to Delta at LaGuardia would drastically reduce its presence at the airport.
In the official notification to New York state US Airways said the layoffs would occur in two stages on 25 March and 11 July.
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Rarely do I pose an L or L about a person–usually I ask your opinion about trends, products or films, but model/socialite Cara Delevingne keeps popping up on my radar that I can't help but address her (baffling) popularity. I first heard of the British It Girl as one of Harry Styles' many conquests and assumed that her "modeling" career was about as prestigious as Courtney Stodden's, but lo and behold, she's actually legitimately sought after, strutting in Paris Fashion Week and is the face of Chanel's Resort 2013 campaign.
But let's take a closer look at that face, shall we? I'm not a fan of this new ultra-bushy brow trend, nor do I delight in her yellow teeth and never-ending supply of fugly beanies. And what is that hand sign, Cara? Do you know that means "I love you" in sign language? Ooo how edgy! Darling, you aren't some random model plucked from Chik-Fil-A at a mall food court who can just jaunt about dressed like Justin Bieber–your English family has standing and stature. So while I'll let you be bold and edgy, please do so in proper hats and with the occasional Crest White Strip, mmkay? Merci.
Do you think CD has what it takes to be the next Naomi or Heidi? Or is she just a flash in the fashion pan?


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Some 20 years ago, under the pseudonym Iain James, I published an April Fool's Day joke in
It was therefore with some interest that I discovered your article on cold fusion research in the US with its subtitle "Will popping a few bubbles solve the world's energy problems?" (9 March, p 4). Is this yet another case of "invented in Britain and developed abroad"?
To continue reading this article, subscribe to receive access to all of newscientist.com, including 20 years of archive content.


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"Shaolin in the Wind" to showcase martial arts and classical dance
"Shaolin in the Wind", a grand dance drama by Zhengzhou Song and Dance Theatre, will be staged in January 2007 in Hong Kong. The dance drama features Kung Fu by 30 Shaolin-trained martial artists and over 50 dancers.
The show has been staged in Beijing, Shanghai, Shenzhen, Wuhan, Taipei, and will tour to the US for 800 performances. It won Gold Awards in Dance Drama, Direction, Performance and Costume Design in the 5th Lotus Award Competition, and was nominated as a National Fine Stage Arts Project 2005-06.
"Shaolin in the Wind" is about a scholar who is rescued by the abbot of the Shaolin Temple from the hands of Japanese pirates. He takes up martial arts and later takes the robes as a martial arts monk at the Shaolin Temple. In the dance drama, there is a marvellous display of a variety of Shaolin martial arts like qinggong (the art of physical speed) and tietougong (the art of the iron head) by members of the Shaolin Monks of Martial Arts, integrating martial arts with the poetry and lyricism of classical dance. Using the special Xuanwu rock of Songshan as the centrepiece in the stage design and special effects like the two-storey high Buddha statue, the solemn atmosphere of Shaolin Temple is wholesomely presented on stage.
Zhengzhou Song and Dance Theatre with its cast of close to 100 performers for the 2005 production of "Shaolin in the Wind" will showcase elements of martial arts, exquisite classical dance, and breathtaking special stage effects. It promises to be an unforgettable and spectacular experience for audiences.
"Shaolin in the Wind" will be staged at 8pm, January 20 and 21, 2007 (Saturday and Sunday), at the Auditorium, Sha Tin Town Hall. Tickets priced at $260, $180 and $100 are now available at all URBTIX outlets. Half-price tickets are available for senior citizens, people with disabilities, full-time students and Comprehensive Social Security Assistant (CSSA) recipients (limited tickets for students and CSSA recipients are available on a first-come, first-served basis). Please see the group booking discount scheme in the programme leaflet.
For programme enquiries, please call 2268 7323 or visit the following websites:
. For reservations, please call 2734-9009. For credit card bookings, please call 2111 5999. To book online, please visit,
The programme, one of the attractions of the "National Fine Stage Arts Project" Hong Kong Series, is co-presented by the Leisure and Cultural Services Department and National Fine Stage Arts Project Office. Other attractions include Liyuan Opera Experimental Troupe of Fujian Province (December 26 to 28) and Henan Yu Opera Troupe No. 2 (January 30 to February 1, 2007). Package booking discounts are available for any single purchase of more than one programme of the series. Please check details in the programme leaflets.
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OK, need to talk Trailer stuff
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Joined: Aug 2011
Location: Houston, Tx, USA
Oddometer: 82
Originally Posted by
You could find a scale at a large farm fertilizer store, stone quarry or place that sells large amounts. Truck stop...
I would still go with the disk brake option, even if you have to buy a new axle..
You were talking about moving the axle...
Sorry for talking so much..
No. PLEASE talk some more! Not thinking of moving the axle, just a full replacement.
As for disk brakes, I've heard that drum is better for weighted stuff(trailers, trucks, etc..) and disk is more for commuter and small car's... What I heard
Never would have thought of stone quarry....
Originally Posted by
If you want brakes on the trailer, get a trailer with brakes. For a two-place open like that, I honestly wouldn't worry about it.
Modify your driving - The "O/D Off" button gets a -lot- of work on my truck when i'm pulling. There's also a "2" and "1" gear besides the usual "D" ... use those when going downhills or you will smoke your tow vehicle's brakes.
The 4-pin connector is for lights and lights only. Brake, LT, RT. There's a few varieties of other connectors mostly seen on horse trailers, I'd avoid these and skip right to a 7-pin RV connector. That adds a 12V aux line, ground, reverse, and electric brakes. I replaced the connector on my truck with a dual-connector dealie, has the 7-pin RV and the 4-pin next to it. Between those two, I can hook up just about anything to the truck.
And if you do go with brakes on the trailer, spend the money for a decent controller. Tekonsha's the only ones worth getting, I have a Primus in my truck I got on sale and it works well. Other benefit to a better controller is some built-in diagnostics - Mine tells me that the trailer's not only connected, but that the brakes are indeed working and not shorted out. The digital readout's nice so you can go back to a point you liked rather than just guessing.
For the trailer you're looking at, you'll be fine. I wouldn't want to put more than my loaded trailer behind my truck, but it gets the job done.
Already got the trailer, so buying one with is out of the question. My Uncle said I should worry about it either, but being a new 'Tower'(is that even right??) I scares the hell out of me. Totally knew it would happen, evenone said it would, and I listened.. Just doing it is different...
When down a hill in "2" already. Also was told that one, still makes a huge difference.
Planning on doing the 7-pin just because of the aux line and the break line built in. Dont care about the signals as much..
Thanks for the heads up on the Tekonsh. Been looking at Napa but they have some other brand that I didn't reconize
The thing with me, is that when I load up... I REALLY load up also. I carry about 500#s of wood, 100#'s of food/drink, 400# bike, and gas & gear worth about another 100... ON A VAN! I feel good when I make to where ever im going because of all those numbers, and the swaying with all that weight, makes feel like I got my "Man Pants" on when I am done driving. So adding an extra 1500# trailer is why I am a little sketchy... Mainly cause I dont know how well or how bad it will go, and I dont want to find out the hard way. "Hope for the best, Plan for the worst" kinda motto is where I sit on the subject...
Again. THANK YOU! THANK YOU!! THANK YOU!!! Keep it going, take all I can get,
'02 XR650L: Accerbis tank, motor mods, suspension mods, electronics mods
'02 DR650: Yamaha Raptor 660 petcock, everything else stock
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high pocket with channel on Proton Power? - 06-29-2010
ya chs i think ur right.
ya chs i think ur right.
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- 45-minute seaplane flight from Abu Dhabi to Dubai
- Revel in the excitement of a water take-off and landing on the Arabian Gulf
- Fly over famous landmarks like Emirates Palace and Palm Jumeirah
- See Ferrari World, the F1 Grand Prix and Yas Viceroy Abu Dhabi Hotel from above
- Use your 150 AED shopping voucher for four hours of fun at the Dubai Mall
- See Dubai from the top of the Burj Khalifa, the world's tallest building
- Mall transport and one-way shared transfer to Abu Dhabi included
Recent Photos of This Tour
What You Can Expect
Customer Reviews
October 2013
Seawings were on time for collecting us. The flight was brilliant, made even better as there was only myself and my husband on board. I got to be co-pilot, which was a first for me. Would recommend this flight as you get to see all the great sights of Dubai on the way over and the landing was so good we couldn't tell we had touched the water, that could be down to the excellent pilot, Stefan.
Roy M
July 2013
Viator confirmed trip but company did not confirm. Seawings still met teir committment and personally picked us up on an exclusive flight with a lunch included. A fabulous time and treated like Kings, thanks Seawings


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Hawker Financial Company, LLC filed as a Florida Limited Liability in the State of Florida on Tuesday, March 15, 2011 and is approximately four years old, according to public records filed with Florida Department of State. The filing is currently active as of the last data refresh which occured on Sunday, June 7, 2015.
James Terlizzi serves as the Manager and has interests in other corporate entities including Life Settlement Corporation, Thunderbolt Holdings, LLC and eighteen more corporations. James's past corporate affiliations include Senior Settlement Holding Corp., Lancaster Financial Corp. and thirteen others.
James D. Terlizzi is also the registered agent for the company. Also known as a statutory or resident agent, the registered agent is responsible for receiving legal notifications regarding court summons, lawsuits, and other legal actions involving the corporate entity.
Key roles for Hawker Financial Company, LLC
James D. Terlizzi
|Filing Type:
|Florida Limited Liability
|State ID:
|Date Filed:
|Tuesday, March 15, 2011
|Registered Agent
|James D. Terlizzi
Comprehensive Insight Plus Report
|Learn More
|The D&B Comprehensive Insight Plus Report for Hawker Financial Company, LLC combines D&B's proprietary statistical scoring with business, payment and financial information all in one report.
US Company Profile Report
|Learn More
|The D&B U.S. Company Profile contains basic information such as address and telephone number, executive names and titles, line of business and SIC codes, D-U-N-S Numbers, organization status, and year and location of incorporation for Hawker Financial Company, LLC.


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Marketing Information
The Sharp Notevision XR-55X multimedia projector provides superior features, performance and reliability at an exceptionally competitive price point. Built to handle most business, education or cinema applications, the XGA native resolution XR-55X utilizes the latest Texas Instruments BrilliantColor DLP display technology. Powerful standard features include DTV/HDTV compatibility, inputs for a computer or component video source as well as composite and S-video, 2700 Lumens, 2000:1 contrast ratio, 7 watts of built-in audio, 1:1.2x zoom lens, closed caption decoder and sealed DLP chip with filter-free design. Built in an ISO 14001 certified factory, with low standby power consumption of only 0.32W and estimated lamp life of up to 4,000 hours (Eco+Quiet: On), this slim and lightweight RoHS compatible projector is exceptionally environmentally friendly.
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a star performer in my emergency!
By circadian
from portland, or
About Me Value Oriented
Best Uses
Comments about Sharp Notevision XR-55X DLP Projector:
the night before i had a business presentation to make, i fired up my old projector to test it and it failed!!too late to hit the stores until the next day. i rushed into a nearby store and the mgr recommended this model. in less than 10 min i was out the door with it and on my way to my presentation with a projector in a sealed box that i had never worked with before - a speaker's nightmare getting ready to happen? NO - i rushed in to the meeting room, ripped open the box, plugged into outlets and my pc, turned the power on and walla - instant picture and a WOW picture at that - was a medium-lit room and picture was still bright, crisp and sharp. only complaint was projector cutting off some of the right side of every powerpoint slide, but i suspect that will be a projector adjustment. bottomline, i literally threw this projector together 5 min before my pres started without consulting the manual and it was marvelous!
Bottom Line Yes, I would recommend this to a friend
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Broccoli Beef Supper Recipe
- 4 cups frozen cottage fries
- 1 pound ground beef
- 3 cups frozen chopped broccoli, thawed
- 1 can (2.8 ounces) french-fried onions, divided
- 1 medium tomato, chopped
- 1 can (10-3/4 ounces) condensed cream of celery soup, undiluted
- 1 cup (4 ounces) shredded cheddar cheese, divided
- 1/2 cup milk
- 1/4 teaspoon garlic powder
- 1/4 teaspoon pepper
- Line bottom and sides of a greased 13-in. x 9-in. baking dish with cottage fries. Bake, uncovered, at 400° for 10 minutes.
- Meanwhile, in a large skillet, cook beef over medium heat until no longer pink; drain. Layer the beef, broccoli, half of the onions and the tomato over fries. In a small bowl, combine the soup, 1/2 cup cheese, milk, garlic powder and pepper; pour over top.
- Cover and bake at 400° for 20 minutes. Uncover; sprinkle with remaining cheese and onions. Bake 2 minutes longer or until cheese is melted. Yield: 8 servings.
Reviews for Broccoli Beef Supper
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"Tasty recipe and easy to make. Couldn't find cottage fries so I used waffle fries. I will probably bake them a little longer next time to try and crisp them up. They were a little soggy."
"Ohhhh why is it such great casseroles have so many carbs! j."
"This was good! I used waffle fries, baked them a little longer to be crisper, and used a whole 6oz can of the fried onions. Two cups of cheese too, and then we served it with a dollop of sour cream on top. Very tasty and simple!"
"First time making this. Incredible! Used waffle fries instead of cottage fries. Everyone loved it!"
"Made this tonight and was good. I never go exactly by the recipe. I baked mine a little longer as potatoes take longer to bake. I make my own cottage fries aka sliced potatoes. Also need more salt to bring out the flavors. I salted the potatoes, meat (hamburger and sausage for more flavor) and still needed to add salt after it was done. But all in all it was good as my husband went back to seconds."


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Chemistry Department
Summer Research in the Chemistry Department
Every year the Chemistry department supports many students on a variety of research projects. While most of the students work on campus we have an agreement with the University of Michigan where they will take one of our students every summer to perform research in Ann Arbor. We also have an ongoing relationship with Winterthur Museum where several students have spent time working on art conservation projects.
Students who perform research on campus during the summer typically work full time for eight weeks under the close supervision of a faculty member. The students receive a stipend for their work, a course unit toward graduation with the tuition waived, and housing is provided at no cost. While you won't get rich, it is a good package, and more importantly the experience is extremely valuable no matter what your career goals are.
If you are interested in summer research, you should read the faculty research descriptions and then talk to the faculty whose research most interests you. A list of faculty who will be taking students usually comes out in December and then applications are typically due in the Department office in the latter part of January.
Photos from Summer 2013


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Jim and Carla Crush of Crestwood announce the engagement of their son, Michael Crush to Blair Perkins, daughter of Ricky and Denise Perkins of Owenton. The groom-elect is a graduate of Trinity High School and the University of Louisville. He is a salesman for Motion Industries. The bride-elect is a graduate of Owen County High School and The University of Louisville.
Nominations are now open for the 2010 Kentucky Teacher awards, sponsored by the Kentucky Department of Education and Ashland Inc. Nominations may be submitted electronically by visiting www.kentuckytoy.com. The deadline is May 15.
Last spring wasn't the first time Crystal Lake turned cloudy from mud, but it was the worst. Where resident Arnold Oldham once could guide a boat, now his neighbors ride four-wheelers in the summer.
Two new Oldham parent groups launched recently to support parents of children with special needs. Residents created the Special Education Parent Teacher Association of Oldham County and Hope Huddle with similar goals in mind — to provide support and information to parents trying to get the best education possible for their special needs children. SEPTA President Donna Allen has two sons, one has high functioning autism, the other has Asperger's Syndrome. They've had wonderful teachers in Oldham County schools, she said.
Mr. and Mrs. George Coons of La Grange announce the engagement of their daughter, Lindsey R. Boler to Joshua L. Strader of La Grange.
The bride-elect is the daughter of the late Danny Manns. The groom-elect is the son of Clifford Strader and Cindy Peal of Lorain, Ohio. The wedding will take place at 3:45 p.m. July 26 at Duncan Memorial Chapel. Invitations will be sent.
Debris from January's ice storm piled by residents along county roads is finally gone. At Tuesday's Oldham County Fiscal Court meeting, Judge-Executive Duane Murner complimented the county road department for the "mammoth undertaking" of removing the debris, and thanked officials from the Kentucky State Reformatory and Roederer Correctional Complex for the inmate labor provided to help the road crews.
Angel Food Ministries is a non-profit, non-denominational organization that provides fresh and frozen food items sold at about half the price to help people with their grocery bills.
Like every Sunday, Immaculate Conception Catholic Church hosted a bilingual English/Spanish Mass Sunday, but this time they welcomed youth from various congregations throughout the Louisville area.
Warrant arrests
Copyright © 2015
The Oldham Era is your source for local news, sports, events, and information in Oldham County and LaGrange, Kentucky, and the surrounding area.


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North Vancouver, British Columbia (PRWEB) May 23, 2014
Maria Giovanna Tomsich, author of poetry collections such as "Spanish Bank Poems/Poemario de Spanish Bank" and "Wanderers/Errabundos," engages poetry lovers in her new collection of poems, "Pabellon de Jim Pattison Y Despues/Jim Pattison Pavilion and After" (published by Trafford Publishing), inspired by a terrible illness.
Written in both Spanish and English, "Pabellon de Jim Pattison Y Despues/Jim Pattison Pavilion and After" analyzes multiple levels of consciousness, breaking apart reality and fitting it back together through rhyme. Tomsich turns her love of jazz as well as time spent recovering from an illness into evocative poetry that is sure to resonate with readers.
"This poetry book is a collection of experiences at different dimensions and levels, from psychological to physical and from past to present," says Tomsich.
"Pabellon de Jim Pattison Y Despues/Jim Pattison Pavilion and After" will be a featured title at the 2014 Liber International Book Fair. Held in Barcelona, Spain, Oct. 1-3, the event attracts more than 12,000 visitors annually, including publishers, agents, distributors, booksellers, librarians, educators and other industry professionals.
"Pabellon de Jim Pattison Y Despues/Jim Pattison Pavilion and After"
By Maria Giovanna Tomsich
Hardcover | 6 x 9 in | 126 pages | ISBN 9781466976658
Softcover | 6 x 9 in | 126 pages | ISBN 9781466976634
E-Book | 126 pages | ISBN 9781466976641
Available at Amazon and Barnes & Noble
About the Author
Maria Giovanna Tomsich was born in Fiume, Italy (now Croatia) and immigrated to Canada. She worked as a lab assistant at the Western branch of the Connaught Laboratories for seven years. After her bachelor's degree, she changed direction and received a master's degree in Spanish literature. She pursued her doctorate at Brown University and was able to conduct research for her doctoral thesis in Spain.
Trafford Publishing, an Author Solutions, LLC, author services imprint, was the first publisher in the world to offer an "on-demand publishing service," and has led the independent publishing revolution since its establishment in 1995. Trafford was also one of the earliest publishers to utilize the Internet for selling books. More than 10,000 authors from over 120 countries have utilized Trafford's experience for self publishing their books. For more information about Trafford Publishing, or to publish your book today, call 1-888-232-4444 or visit trafford.com.


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Episode 1
The quiet seaside town of Broadchurch is rocked by the murder of eleven year old.
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The murder of a young boy in a small coastal town brings a media frenzy, which threatens to tear the community apart.
Suitable for 12 years and over.
The quiet seaside town of Broadchurch is rocked by the murder of eleven year old.
The investigation into Danny's death continues but takes an unlikely turn.
Mark is hauled into the police station for questioning.
Olly uncovers information about Jack.
Jack struggles as his situation becomes more and more grave.
The town of Broadchurch comes together to mourn.
Time is running out to solve Danny's murder.
After weeks of speculation, the events surrounding Danny's death are revealed.
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Apologies for the lack of posts recently, I was in South Africa covering the Africa Aerospace and Defense show in Pretoria. There wasn't too much that caught my eye, but this contraption I found to be facinating. It's an amphibian bush plane and it'll be offered in a military variant also… I've decided I must have one.
Despite on-going difficulties with the F-35 program–during my trip to South Africa, incoming program manager Maj Gen Chris Bogdan publicly dressed down manufacturer Lockheed Martin–the US Air Force's 33rd Fighter Wing at Eglin AFB, Florida, is continuing to make progress spooling up the jet's training pipeline.
"We reached 300 sorties on Friday [September 21]. Going into the day we had to fly eight sorties, four each from the Marine Corps and USAF. We only had one USAF aircraft going into the day leading me to believe it was not possible to achieve on Friday," says Col Andrew Toth, the commander of the 33rd FW. "However, our maintainers worked hard during the day and we actually had 3 aircraft available for the second go on the Air Force side, not only to launch our 300th local sortie, but to also fly our first AF F-35A 3-ship formation. I was fortunate to be part of the formation and it was a perfect way to end the week and I am very proud of our entire maintenance team to achieve yet another significant milestone."
The 33rd also recently flew with nearby Tyndall AFB's F-22 Raptors… Flying side-by-side, it's gives one a sense of how much larger the Raptor is compared to the F-35.
Speaking of Raptors, the USAF has finally decided to change the jet's OBOGS oxygen schedule… the oxygen concentration will be reduced to fix the "Raptor cough" problem–aka acceleration atelectasis. It only took seven years to get this problem fixed. The USAF had a solution back in 2005 (just scroll down–I've even acquired the original charts and associated docs), but cancelled the fix later that year due to the cost.


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Farms for Sale in New Era
Looking to buy farms? Browse farms in New Era, Michigan Real Estate on MLive.com.
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2277 E Garfield Road
New Era, MI 49446
3 Beds, 1 Bath
Offered by Coldwell Banker Schmidt REALTORS
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Names of Multiples
Jocelyn Grace & Jenelle Faith Contreras
Age of Multiples in Photo
1 year old
Zygosity of Multiples (Identical, Fraternal, Unknown)
All About My Multiples: Pregnancy & Birth
Jocelyn Grace & Jenelle Faith Contreras were born on November 2, 2009. They were 4 weeks early but still weighed a pretty good weight. Jocelyn was 5.11 & Jenelle was 6.3
My Multiples Are Special Because...
Jocelyn & Jenelle are like night & day, they are very different. They are 2 1/2 and its amazing to see their personalites already, they always look for each other & do everything together. We are never bored with these girlies & truly blessed.
- Patience & lots of help! Dont be shy to ask for help. Try to Keep the twins on the same schedule.


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News Archive
June 16, 2015
Amid enrollment and revenue declines at home, American for-profit education companies have looked abroad, including to Brazil. But can -- and should -- Brazil's boom in proprietary education continue?
June 16, 2015
Disciplinary association issues open letter to victims of harassment and sexism, and calls for departments to promote equity. While some philosophers welcome the move, others doubt it will change anything.
June 16, 2015
Ed-tech start-up Kadenze launches an online education platform specifically created for creative arts courses.
June 16, 2015
U of California at San Francisco is about to ban sale of sugary beverages on campus. Will the policy make a difference? Will other colleges follow?
June 16, 2015
A coalition of disability studies scholars formulate guidelines to help publishers produce accessible books.
June 15, 2015
Elizabeth Warren and Chris Christie both made statements last week that luxury college amenities like lazy rivers and climbing walls are driving up the cost of college. Are the claims true?
June 15, 2015
Academics weigh in on the curious case of Rachel Dolezal, a white woman who allegedly passed as a black instructor of African-American studies for five years.
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The Truce of Vasvar ends the war between Turkey and Emperor, and lasts for twenty years. It orders the rival armies to retire from Transylvania, but Ottoman control of the territory is recognised. It also demands that Apasi pay a tribute to the Porte.
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'Grey's Anatomy's' Jesse Williams: What he'd change about his looks plus 9 more confessions
Jesse Williams makes playing the mysterious hot guy an art form. From playing Leo in the sequel to "Sisterhood of the Traveling Pants" to the "Hotness Monster" on ABC Family's "Greek," we now know and love him as Dr. Jackson Avery on "Grey's Anatomy."
Of course, there's more to the 29-year-old than good genetics. He has performed in Off-Broadway plays. And he graduated from Temple University with a degree in African American Studies and Film and Media Arts and went on to teach at a high school in Philadelphia.
On the ABC show, Williams' character hasn't had the best luck with relationships. And it's hard to believe, but he sometimes crosses into "friend territory" with the women around him. That will soon change as all signs point to a budding romance with "Little Grey," Lexie (played by Chyler Leigh).
We thought it would be fun to see what's beneath the surface and asked Williams to play a round of Zap2it's Celeb Slam Book.
Check out what he would change about his looks plus nine more confessions:
1.) What clique did you fall into in middle school?
The 'Punk-A**-Smart-Mouth-Undersized-Athlete-Who-Loved-the-Ladies' clique. Maybe you've heard of us. We were terribly cool.
2.) If you could meet one person, dead or alive, who would it be and why?
Malcolm X had an invaluable impact on me as a self-made leader who fearlessly spoke truth to power and was not afraid to evolve and admit mistakes on the journey. His character was light years ahead of his [popular] reputation.
3.) If you could change one thing about your face what would it be and why?
I'd get darker eyes to see how differently I'd be treated.
4.) Do you screen your phone calls?
Everyone with a cell phone screens to some degree, but I'm mostly at work and don't notice.
5.) What super power would you like to have?
To speak every language fluently.
6.) If you had to choose another career, what would you be?
Civil rights attorney and/ or teacher.
7.) What's your worst habit?
Procrastination and insensitivity.
8.) Favorite alcoholic or non-alcoholic drink?
Aguas Frescas: Watermelon or strawberry.
9.) Which character on "The Breakfast Club" do you most identify with and why?
Emilio Estevez. Not sure that it had anything to do with his actual character, but I thought he was cool in every film I saw him in.
10.) What do your friends make fun of you for the most?
How fast I eat and that I try to eat your food when I'm done with mine.
"Grey's Anatomy" airs Thursdays at 9 p.m. ET on ABC.
Photo/Video credit: Getty Images; ABC


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I have lived in this apartment complex for over 10 years and just recently purchased a co-op. Everyone is friendly, the staff work hard and do everything they can to help the tenants. The complex grounds are beautifully maintained. The pool… Full Review ▶
I moved into Laurel Gardens a few months ago as a RENTER, not owner. Currently we've been in the apartment for about 5 months. Our contact for maintenance has been on top of every issue we've had including a need for… Full Review ▶
This development is not a rental community, it is privately owned Co-Op's... I don't understand why these people are trashing it since they never lived here. It must be an annoyed owner whose trying to start trouble. Don't Believe anything written… Full Review ▶
We lived there 2 yrs, in that 2 yrs it was horrible! The worst place I ever lived! I am a very clean neat person and left the apartment very clean! they charged us with a bill of $785. Saying they… Full Review ▶
I am a renter of Laurel Gardens and I would NOT recommend this complex for anybody to rent or buy, "ITS A DUMP" I cant wait til I move out. Full Review ▶
agree with post and would not live there again ever!Bulldose property and start over. Full Review ▶
I have purchased my unit a year and a half ago...I have found that there are a lot of issues between the maintenance aspects and the operations of the board of directors...Due to the lack of the fact there is no… Full Review ▶
I have lived here for little over a year and it's not to bad.. i guess the saying you get what you pay for is true. The one good thing about this apartment is the location. I'm very close to the… Full Review ▶
i lived here for 4 months then i got deployed,before i left i gave them all the paperwork and so is the forwarding address so i can get my security deposit.i was deployed nov 07,after 3 months i havent got any… Full Review ▶
I've lived here on and off for several years. One thing that people who make comments on here don't understand, is the apartments are individually owned. The office does take care of things when it needs to. The staff is polite,… Full Review ▶
After staying at Laurel Gardens in Eatontown for 6 years, 4 at the same apartment, I have concluded that they are the worst people to do business with if you are trying to get maintenance done at your unit The Maintenance… Full Review ▶
The maintenance here is terrible. If you want something done, you have to do it yourself or wait for it to break so badly it starts to damage the apartment. Even after multiple reminders about a leak under the sink, they… Full Review ▶
This is my 4th year at Laurel Gardens and it WILL be my last. This is the worst dump I have ever lived in and sometimes I wish I could sue them for "pain and suffering" !!! When I moved in,… Full Review ▶
If you are going to rent or buy a place, Laurel Gardens is definitely not recommanded. Their maintance staff is the worst one I have ever seen. If you report a problem to rental office, you better corss your fingers. Several… Full Review ▶
|Estimated Rent
|$ 850
Cats Allowed
Small Dogs Allowed
Large Dogs Allowed
Pet Deposit Required
Laundry On-Site
Laundry in Units
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I thought all processors were the same, just some cores were disabled at the factory to make them whichever series they are, leave it alone and you get a top end i7, burn a few cores makes it an i5 burn a few more and you get an i3. So this would make sense that this is the same processor as everything else apple, they just burnt a one of the cores to disable it. It makes it easier for the production lines.
1080p Apple TV has a dual-core processor after all
Some recent poking around inside Apple's third-generation TV unit show that there's actually a dual-core A5 processor inside, and not the single-core CPU listed on the spec sheet. It's possible Apple's just reusing iPad 2 parts that have a bad core, and simply disabling it. Further investigation shows that the chip was actually made using a 32 nm process, compared to the standard 45 nm found elsewhere in Apple products.
The last teardown we had seen of the new Apple TV revealed extra RAM to handle 1080p video playback. The third-gen Apple TV also introduced a new user interface, though apparently the venerable Steve Jobs wasn't a huge fan.
It's entirely possible that this new manufacturing process will actually be squeezed into the iPhone 4S to save space and improve battery performance, perhaps with an Apple A5X variant we heard about previously?
Source: Chipworks
UPDATE: According to some digging around in a restore image, there are already plenty of iPad 2 models out there using the same processor.
Have something to say about this story? Leave a comment! Need help with something else? Ask in our forums!
Reader comments
1080p Apple TV has a dual-core processor after all
Your example is wrong as there are other differences between the i3 i5 and i7 (hyper threading, cache amounts, etc., but that is how binning works with differently clocked CPUs that are otherwise the same. This move by Apple is actually very smart. They are debugging the move to what's called a new process node (a die shrink) by producing dual core CPUs where only a single functional core needs to come out of it. The yields after moving to a new node are often lower and a fair number of those failures would cause only one core to work, so it's win win.
I am now not sure the place you are getting your information, but great topic. I needs to spend a while studying more or figuring out more. Thank you for wonderful information I was in search of this info for my mission.


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Results 1 to 2 of 2
Thread: Kirk McCosker's portfolio.
June 30th, 2012 #1
Kirk McCosker's portfolio.
High my name is Kirk McCosker and I'd like to know what I can do to improve my work. I have a feeling that there are skill deficits I'm unaware of that are holding me back.
This is a part of a crimson daggers contest I partisipated in.
Another Crimson Dagger entry I participated in. I decided to brush up on my sprite art skills for this one.
This is an int from a dying forest.
Here's my take on gauntlet.
Pirate time hella fun.
He used to be designed by Rob Leifeild until he took an arrow to the knee.
All of these pieces are from earlier this year.
Hide this ad by registering as a memberJune 30th, 2012 #2
Fantastic! So much improvement here!
The Following User Says Thank You to destroyerrrrr For This Useful Post:


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As Saturday draws closer, Mississippi State head coach Dan Mullen still has his focus on getting his team back to winning.
Mississippi State tries to schedule at least one FCS (Football Championship Subdivision) team every season, and wants to get those opponents from inside the state of Mississippi.
By ANGIE CARNATHAN
By CARL SMITH
The Starkville Police Department released a detailed description Wednesday of the suspect involved in Sunday's armed robbery of a female walker.
As much as any team in the state, Jackson Prep is used to playing important football games.
By COLLEEN MCCARTHY
Sure the Jackson Lanier High School Bulldogs are facing some adversity after starting the football season with an 0-4 record.


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37 year old man | Henderson, NV, USA | Seeking women 24-40 within 48 miles
Trying something new. I know there is a great woman somewhere in Vegas!
I love to travel, to do almost anything outside, a great dinner, watching a great film, listening to a great song.....and I enjoy playing sports like hockey, golf, water skiing, snowboarding, snow skiing, tennis......and most of all doing almost anything else that allows me to experience new things and ideas. I am looking for someone honest, caring and who is fun to be around. I thought I would give this site a chance. It's very difficult to find truly good people in this city. I know there's plenty out there, but there seems to be more that aren't.
Camping , Coffee and conversation , Business networking , Cooking , Dining out , Fishing/Hunting , Hobbies and crafts , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing cards , Playing sports , Political interests , Shopping/Antiques , Travel/Sightseeing , Video games , Watching sports , Wine tasting
Basketball, Billiards / Pool, Bowling, Cycling, Football, Golf, Hockey, Inline skating, Other types of exercise, Running, Skiing, Soccer, Swimming, Tennis / Racquet sports, VolleyBall, Walking / Hiking, Weights / Machines, Yoga
I exercise 3-4 times per week.
I have Cats
I have a little cat now. She does her own thing and loves to chill out. I like the fact that they can pretty much take care of herself. If I go on a quick trip, I know she'll be fine.
Some other viewpoint
I really visiting anyplace where I have not been. It could be a new restaurant down the street or a far off country on the other side of the world. I like to be adventurous and see new things.
University of Nevada, Las Vegas, Las Vegas, NV
I like almost any kind of music...from the Beastie Boys to the Beatles to Beethoven. I have too many favorite movies to begin listing and there's not enough room. I love a great pizza. The TV shows I watch are mostly on HBO.
Movies and great dinners are always nice. I love all kinds of music as well. I almost have something playing in the background. I have a passion for art of any kind and try to create whenever I can.
Child 44
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|6'5" (195cms)
|5'1" (154cms) to 6'4" (193cms)
|Body type:
|Athletic and toned
|Slender, About average, Curvy, Athletic and toned, A few extra pounds
|Black, Blue, Brown, Grey, Green, Hazel
|Dark blonde
|Auburn / Red, Black, Light brown, Dark brown, Blonde, Salt and pepper, Silver, Dark blonde, Grey, Platinum, Bald
|No Way
|No Way, Occasionally, Yes, but trying to quit
|I'll tell you later
|Never, Social Drinker, Regularly, Moderately
|Executive / Management
|Administrative / Secretarial, Artistic / Creative / Performance, Executive / Management, Financial / Accounting / Real Estate, Labor / Construction, Legal, Medical / Dental / Veterinary / Fitness, Political / Govt / Civil Service / Military, Retail / Food services, Sales / Marketing, Self-Employed / Entrepreneur, Student, Technical / Science / Computers / Engineering, Travel / Hospitality / Transportation, Other profession, Nonprofit / Volunteer / Activist, Law enforcement / Security / Military, Fashion / Model / Beauty, Architecture / Interior design
real estate developemnt
|$75,001 to $100,000
|$25,001 to $35,000, $35,001 to $50,000, $50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married, Widow / Widower, Currently Separated, Divorced
|Have kids:
|No preference
|Wants kids:
|Definitely, Someday, Not sure
|White / Caucasian
|Asian, Black / African descent, East Indian, Latino / Hispanic, Middle Eastern, Native American, Pacific Islander, White / Caucasian, Other
I guess I would consider myself American. I'm the third generation born here on both sides of my family. My Great-Grandparents all came from Norway on my Father's side. On my Mother's, it is a mix of Ukraine, Russia, Poland and Romania.
|Agnostic, Atheist, Buddhist / Taoist, Christian / Catholic, Christian / LDS, Christian / Protestant, Hindu, Jewish, Muslim / Islam, Spiritual but not religious, Other, Christian / Other
I'm Jewish by blood. My Mother is Jewish and my Father is Lutheran. Growing up, I never practiced either in any kind of organized religious way.
|Bachelors degree
|High school, Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
I went to ASU, Miami and finished at UNLV.


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X Factor talent Jake Quickenden doing his family proud but there are mixed emotions
Posted: September 27, 2012|
The mother of X Factor star Jake Quickenden says his talent show success has given the family a "boost" following their emotional roller coaster over the past few weeks.
The Quickenden family have found themselves juggling Jake's new-found fame on the ITV show with the emotions felt with the loss of his brother Oliver, who recently passed away after battling Osteosarcoma – a rare bone cancer.
But one thing his family and friends share with the memory of Oliver, is a sense of pride in Jake's showbiz success.
Jake has made it to the last six of the boys' section competing at judges' houses for a place in the live shows.
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Watched by millions on both X Factor and This Morning, his mum Lisa Quickenden says Jake's success is still sinking in.
She said: "Our life is a roller coaster at the moment with a lot of highs and then some real low points.
"I was really proud when Jacob asked me to go to his This Morning interview.
"It was quite surreal and a really lovely day.
"The attention Jacob is getting is unbelievable and none of us can comprehend it.
"He is just an ordinary lad and we are all very proud.
"His little brother Oliver would have been proud as punch and his older brother Adam is totally made up for him.
"The show has given us all a boost – we always watch it together."
Jake will now have to impress the boys' mentor, singer Nicole Scherzinger, to make it through to the live shows.
Without giving too much away about how far he gets in the contest, Jake, 24, said: "I watched the show on Saturday and even though I knew I got through I was still very nervous.
"Boot camp was tiring and emotional. I looked like a zombie at the end of it, I was so pale. I am sure they announced my name last because I looked so nervous.
"It was very scary but I was so happy to get through."
Aside from singing, one of Jake's favourite pastimes is playing striker in the Scunthorpe Sunday League.
And his EJ Galaxy teammates are rooting for him.
Fellow footballer and close friend Ben Ibrahim said: "I'm absolutely buzzing for Jake.
"He has done amazing to get this far. We are all really proud of him.
"Jake has got all the talent in the world.
"On the football pitch he is a very quick and skillful footballer." "
Team player Mick Gray said: "Jake is a great footballer who I have played alongside for years and he has never passed to me once. But he is a true star and I am really proud of him."
Teammate John Gouldthorp said: "We have encouraged him to audition for the show for the last few years and always knew his talent and character would get him through to the final stages of the competition."
And another team member David Gough added: "The more the public see of Jake the more they will love him. He is doing Scunthorpe proud.
"Jake would be as good at football as he is singing if he learnt to pass the ball," he joked.PLEASE POST YOUR GOODWILL MESSAGES TO JAKE ON THIS STORY OR EMAIL THEM BELOW Best wishes, firstname.lastname@example.com


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Familia Fernandez Olmeda
Hoy Jueves hemos realizado una excursión a Higuey que ha sido una excursión maravillosa, hemos disfrutado de la comIda típica de aquí, de la playa, de la visita a la escuela, hemos podido ver la realidad de su gente que por desgracia no tiene nada que ver con la zona turítica, somos repetidores de Punta Cana y no descarto volver el otro año.
De la guía y el chofer solo se me ocurrre una plabra: MARAVILLOSOS.
Familia Estevez, hotel Riu Naiboa, hab. 3433
La verdad que estamos muy agradecidos de haber asistido al la excursión para conocer la verdadera realidad del país pues en el hotel es muy diferente.
La visita en la casa típica fue espectacular.
after posting some of the information about our "Saona Deluxe" excursion, I thought I'd post a quick review and some pictures of our favorite trip / excursion while we stayed at the Palladium Bavaro.
The excursion was called "Country & People" and was put on by "Higuey Adventure Tours".
Pick up was fairly early in the morning, I think around 8am. Our tour guide was Adalberto who spoke fairly fluent German (tours are also available in Spanish, English and French). He had a lot of great stories and anecdotes about almost everything we asked about.
Our first stop was at a sugar cane plantation. Sugar cane is harvested by Haitians and is exclusively transported to US companies in country for processing. US companies own and operate pretty much ALL the sugar companies in the Dominican Republic. The Haitians can get paid as much as $150/month if they put their entire family to work. The going rate is $2 per ton of cane they deliver. The sugar cane gets transported by oxen (see pictures).
Our second stop was at a tobacco factory where we were given a presentation on how tobacco is grown and how it is processed into cigars (hand rolled). We also had the opportunity to purchase cigars etc, but hardly anyone did and the stop was fairly short.
Next stop was at a large market. This was very interesting. Our guide explained a lot to us about all the fruits and vegetables that are grown in country and sold at this market. The pictures don't do all the wonderful colours (and smells) at the market justice. We also stopped at a small store where we purchased pens and some lollipops for the children we were going to visit later in the day.
Next stop was at a 16th century church that was founded by Columbus. It is the oldest church still in use in the area.
After that we drove up a hill from where we could see all of Higuey. The stop was at a monestary that included a small banana plantation. We could also see the "Nuestra Señora de la Altagracia" from here. After some snacks and more to drink we continued on.
Next stop was the "Nuestra Señora de la Altagracia". This cathedral is the most famous one in the Dominican Republic and was even visited and blessed by the Pope. Believers in the entire country try to do a pilgrimage here once a year. The entrance doors tell the story of the important events in the last few hundred years. Very impressive.
After a slightly longer drive we arrived at "Rancho Jonathan". There we had lunch (buffet) and a chance to go horseback riding.
From there the trip continued into the mountains to visit a family of coffee growers. We got a demonstration in how coffee is grown, harvested and ground into coffee. We also saw how cacao was grown and processed into the most wonderfully flavoured powder (we bought two large containers and thought back to the trip every time we had some).
The last stop was a school where we got a chance to see how the school system works. We talked briefly to the professor and left pens for her students. The kids sang a song for us too.


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Credible information picked up by The Chronicle from the corridors of power indicate that members of the economic management team of John Dramani Mahama's government are divided as to whether to increase the ex-pump price of petroleum products or not.
Available information indicates that the government is currently spending a whopping GH¢150 million a month to subsidise petroleum products, which is having a heavy toll on the economy.
What has even exacerbated the situation is that 70% of fuel imported into the country is reportedly smuggled outside, especially, to neighbouring Burkina Faso, Togo and Ivory Coast, due to the cheap price of the commodity in Ghana.
At Aflao, for instance, there are reports that petroleum products are smuggled in droves almost every day through unapproved routes to Togo, but the security agencies are not doing much to stem the practice which is wreaking havoc on Ghana's economy.
In the Upper East and West regions, some of the district assemblies have imposed a ban on the sale of petroleum products during certain times of the day, as a result of the rampant smuggling of the products, especially petrol, which is raking in huge profits for the saboteurs at the expense of the economy.
These assemblies took the decision as a result of the constant shortage of the commodity, which they traced to illegal haulage across the borders. The Chronicle was told that all the available data, including the rampant smuggling of the products, have been brought to the attention of the members of the economic management team, but mustering the courage to increase the price of the product to stem the tide has become a herculean task to execute.
The usual reliable source told this reporter that whilst a section of the economic management team have argued that the subsidy on fuel has risen from GH¢90 million to the current GH¢150 million, just under four months, and that if the ex- pump price of the commodity was not adjusted immediately, the whole economy would tumble, others are calling for a gradual approach to the adjustment saga. The last time the National Petroleum Authority (NPA) adjusted the ex-pump price of petrol and other related products was February 2012.
Though the world market price of the product has since gone up, the government failed to pass on the increment to the consumer, resulting in the current huge debt being incurred by the government, in the form of subsidy.
The Minister of Finance, Mr. Seth Tekper, admitted in a telephone interview with The Chronicle yesterday, that the government was subsidising fuel to the tune GH¢150 million a month.
He also admitted that the last time the ex-pump price of the commodity was adjusted was in February last year. He, however, explained that the adjustment of the ex-pump price could not be carried out due to the free fall of the local currency, the cedi, and that if any attempt had been made to increase the price at the time, the whole economy would have suffered.
Seth Tekper, who has just assumed office as Finance Minister, further told The Chronicle that figures they were getting indicated that if the commensurate adjustment was not done, the subsidy would continue to increase.
The Minister would, however, not give the exact date this increment would be effected, noting that the government was still pondering over the issue.
The former Minister for Energy and Member of Parliament (MP) for Afigya Sekyere West in the Ashanti Region, Mr. Kan Dapaah, mid last year called for the immediate withdrawal of subsidies on fuel to save the financial burden being imposed on the country.
According to him, the billions of Ghana Cedis hanging on the neck of the Tema Oil Refinery (TOR) was nothing, but the cost of subsidies on our petroleum products. Speaking at a retreat organised by the Ghana Journalists Association (GJA), and sponsored by Tullow Oil, on the theme, 'Strategic Overview of Global Oil and gas sector' for editors at Koforidua, the former Energy Minister did not understand why the government should continue to subsidise fuel for the affluent to buy into their cars, which they drive on our streets at the expense of the poor.
He noted that over 70% of cars and vehicles roaming the streets were privately owned, and that it was wrong for the poor, who also pay taxes, to continue to subsidise fuel for those who could afford realistic prices. Mr. Dapaah, who was the Chairman of the Public Accounts Committee of Parliament at the time, noted that the time had come for Ghanaians to divorce politics from petroleum products, and called on the media to be at the forefront in the fight against the ills in society and the government.
Dr. Charles Wereko-Brobby, an energy expert, has similarly expressed concern about the subsidisation of petroleum products, especially gas, which, he noted, was being abused by taxi drivers.
Also, early last year, the International Monetary Fund (IMF), which has doled out several millions of dollars to support the infrastructural development of the country, made a similar appeal to the government, when its representatives called on the late President Mills at the Castle, Osu.
But, despite all these promptings from both the IMF and politicians in the country, the government failed to heed the call to increase the ex-pump price of the commodity, and continues to subsidise the products much to the consternation of industry players.
It is, however, not known whether President Mahama would touch on the issue during his state of the nation address to Parliament later this month or not. This reporter was told that the hotheads in government were pushing for the increment to save the economy, but the answer now lies with Seth Tekper, as to whether the increment should be carried out or not.


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Bloomberg reported that Australia's third biggest iron ore producer, Fortescue Metals Group Ltd., said its profit went down 40% because of lower prices of iron ore and said dividends won't be paid.
As quoted in the market news:
Net income slipped to $478 million in the six months to Dec. 31 from $801 million a year earlier, the Perth-based company said today in a statement. While no dividend will be paid for the period, Fortescue will consider a full-year payout, it said.


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Tuesday, 18 September 2012
Retirement Blues
A lot of attention was paid last week to a New York Times editorial about how little money has been saved by people who are approaching retirement age even before the recession and moreso now.
"The economic downturn and its consequences — including losses in jobs, income, investments and home equity — have made that bad situation much worse," the editorial states.
And furthermore, says The New York Times, neither side in the presidential campaign is even mentioning the fact that most Americans cannot afford to retire.
"Medicare, of course, is an issue [in the campaign]. But Social Security, a critical source of income for most retirees, is barely mentioned, though the parties have sharply different views on how to improve it," states The Times.
"The Democratic platform correctly acknowledges that it can be strengthened and preserved, implying that a modest mix of tax increases and benefit cuts is needed. The Republican platform vows to 'give workers control over, and a sound return on, their investments.' That sounds like privatization, which would be cruel folly."
[I disagree about the Social Security benefit cuts cited by The Times, but that's for another day.]
Like many other stories I have read about the shortfall of personal savings for retirement, this editorial blames the decline of traditional employer pension plans along with an astonishingly low number of 401(k) plans available to workers.
So what's The Times' prescription?
"...the 'Automatic Individual Retirement Accounts' that President Obama has proposed in recent budgets, which would require companies that did not offer retirement plans to automatically divert 3 percent of an employee's pay into an I.R.A., unless the employee opted out."
That's it? Does anyone reading this blog post believe in that? Is there any reason to think automatic IRAs are any different from opt-in IRAs when the next crash happens (and it will)?
But there is a bigger reason so few have saved enough for retirement, a reason never mentioned by anyone with the power to influence: NO ONE IS PAID ENOUGH TO SAVE FOR RETIREMENT.
Sorry to shout, but this is so obvious that the silence about it is deafening. Just look at income statistics.
As we discussed here a bit last week, the latest Census Bureau report [pdf] revealed that the median household income in the United States fell for the fourth straight year in 2011 to $50,054. After hitting $54,489 in 2007 (inflation adjusted), median household income has dropped by nearly $4,500 or 8.1 percent.
["Median income" is the center point of the spread; half earn more and half earn less.] And before that, income had been essentially flat for the previous 20 years.
So by the time taxes are paid, rent or mortgage, food, clothing, health insurance, auto expenses and saving for the kids' college, there cannot be anything left in the lower half of the mean income scale for even a modest vacation let alone savings for retirement.
Plus, I'm willing to bet that the three percent automatic deduction The Times endorses would leave a lot of families hungry.
We need a better plan like – how about paying people a living wage? How about creating a policy that penalizes companies that send jobs overseas? In the past couple of decades, salaries have been cut to the bone, pensions, IRAs and 401(k)s have been eliminated, and the majority of new jobs pay a pittance.
Here is what The New York Times itself reported about that recently:
"Lower-wage occupations, with median hourly wages of $7.69 to $13.83, accounted for 21 percent of job losses during the retraction. Since employment started expanding, they have accounted for 58 percent of all job growth.
"The occupations with the fastest growth were retail sales (at a median wage of $10.97 an hour) and food preparation workers ($9.04 an hour). Each category has grown by more than 300,000 workers since June 2009.
"Some of these new, lower-paying jobs are being taken by people just entering the labor force, like recent high school and college graduates. Many, though, are being filled by older workers who lost more lucrative jobs in the recession and were forced to take something to scrape by.
"Scrape by" never leaves room for retirement or any other kind of savings. In case you were wondering, that median wage for retail sales, $10.97 per hour, amounts to $22,818 per year.
On this blog, I almost never tackle gigantic, systemic problems like this one because I don't have an answer. And, apparently, all the smart people who are supposed to have answers - like presidential candidates - either don't care or don't know any more than I do.
At The Elder Storytelling Place today, Jo Ann Mann: Family Political Differences
Posted by Ronni Bennett at 05:30 AM | Permalink | Email this post
This really strikes a chord with me. I am almost 69 years old, still working full time and have barely six figures from my late husband's insurance. My research tells me I will run out of money, even at a modest $32,000 a year with widow's benefits, by age 86! My mother lived to 93, so.....its not looking good and I wonder how much longer I will stay in good enough shape to work this stressful full time job.
If people were paid a living wage, there wouldn't be enough left over for the millions of dollars paid to their CEO's. Yesterday, I stood in line forty minutes at Comcast with three clerks waiting on people (the line never gets shorter at any time of day). I had to wonder what their salary was ($10 an hour if that?) while at the same time wondering how much their CEO was paid. How did our country get into this mentality, with CEO's making something like fifty times the amount that other countries pay theirs! AARGGGG!
Thanks for writing about this issue, Ronni. We do need to raise awareness, especially since the next generation to age are the millions of baby boomers.
I write about the last Great Depression, but as far as this one goes, I'm puzzled by the usually dependable Paul Krugman. Why is it good that CD rates have gone down to nothing, when that used to be such a good and safe way to make a little money?
Thanks for saying what needs to be said! I want to save, but at the end of the day, through much frugality and thriftiness-there just isn't anything left...especially with healthcare costs continuing to rise-just to have insurance. I feel as though I really don't have health insurance, I have catastrophe insurance-to be used for the absolute worst possible situation.
3% of an annual income of $50,000 is only $1,500 a year. And most young people are making considerably less than %50k, so the 3% mandatory withholding seems to be almost useless. I think that the reason people aren;t talking about this, Ronni, is that it's damned scary, and no one has an answer. Much more comfortable to keep the blinders on and try to stay focused on a little piece of the future that we think maybe we can control, or at least maintain more optimism about, but this myopic approach will not serve us well.
On another note, did other TGB readers see the first episode of the show "Revolution" last night? When I read the synopsis I thought it might have been an adaptation of Dr. Bill Thomas's book, "Tribes of Eden". It sure sounded similar. This first episode did remind me a lot of his story, although so far it doesn't seem to have the reverence for elders as a central focus.
Thanks Ronni for writing about this. I worry about outliving my money as well. More than that I worry about my kids and their kids. My eldest lost his good paying newspaper related job, was unemployed over a year, and hasn't been able to make more than $10 since. He did get some insurance this time but with serious diabetes he may run into the cap quickly. He keeps looking for a better job and uses his credit card to take classes to upgrade his skills. Savings for retirement, ha. My youngest son has a pension coming with his job, so far. We have all worked from our teens on, have BA's and AA's and don't live a "fat' style. The outlook for the future generations is grim.
Why do you think the Republicans are trying to kill the Unions? The only way that wages have ever been raised is through collective bargaining. We need to support the Unions and the Occupy movement. The workers of this country are the majority so they should use that leverage to demand that this inequality stop.
I wonder what would happen if the entire labor force of the US quit working for just one hour. Chaos would be catastrophic, but would certainly make the point that labor is what keeps the wheels of commerce turning and without the workers the money that the wealthy have amassed would be worthless.
To me, this is the crux of the issue. Romney and the Republicans rant about Americans wanting to be freeloaders, but please show me the shining alternative. Blue collar workers cannot find good jobs, recent college graduates are having trouble finding jobs, elders are losing jobs, and workers in their prime are seeing their wages/salaries and benefits erode year by year.
This is not a frivolous problem, it is a crisis. I would appreciate it if our g*dd*mn elected leaders would help us.
I truly believe that things are going to get worse within the next year or so. I don't have all the answers but I do have two: for those of you are who living alone, find a roommate. If you own a home and have 2-4 bedrooms, that would be very good for all of you. (Don't think it will be like The Golden Girls -- but it could be a lot of fun with the right people.) If you rent, rent a 2- or 3-bedroom and get one or two roommates. Stock up on staples. Lentils and rice make a complete protein. These suggestions are not going to solve everyone's problems but will help some. And to the writer of this column: it's about time someone talked about the fact that most people don't get paid enough money to save for retirement. It always angers me when I read the numerous, frequent columns in the news media re saving for retirement. Who possibly can save for retirement??!! Maybe the 1%?
I couldn't agree more, that until the ratio of worker pay to management pay is re-established at a more rational balance the situation won't improve.
So many of the new jobs that are created are low-paying jobs in the service industries.
The economic policy presently and the one proposed by both candidates appears to benefit only the financial markets. Everybody seems hell-bent on forcing whatever savings workers have into much less secure investments.
Absolutely, it can and will all come tumbling down -- partly because the problems from the last financial crisis were not adequately corrected!
I'm barely scraping by on what I get from Social Security so I suppose I'm not entitled an opinion here. Let's just say that groceries, gas, and Internet are luxury items at my house.
I was paid a living wage all my working years. Definition: enough to live decently and raise my son, but not enough to save anything. Perhaps I was too extravagant, buying a tiny little house instead of living in a cheesy apartment with no rent control.
I disagree with you about cutting Social Security benefits, however. I think they definitely should be reduced or eliminated for the wealthy who don't need them.
"The Land of Opportunity"? Remember?
Today many have the opportunity to sleep on streets that are not paved in gold and share in the "bountiful harvest". Romney tells his donors that 47% of Americans live on what the government doles out but if you can call that "living" then your vision is a bit faulty.
I live in "The Great State of Texas" where my vote for a Democratic candidate in the national elections will have as much effect as a flea farting in a hurricane.
Let's face it folks we're screwed.
I was mostly with you, Ronni, until you said "No one is paid enough to save for retirement." Please explain to me just why anyone (the government? my employer? the taxpayers?) should be paying me to save for my own retirement. What has happened to self-responsibility?
I think the real reason we haven't saved for retirement is that most of us were too busy accumulating 'stuff' over the last 40 years to bother with saving. Saving is hard and requires self-discipline. But it is really difficult to generalize about all people. Some people are dirt poor (very few) but most have enough to get by.
Does anyone here realize that "the government" has no money of its own? None, nada. The money it redistributes to the 47% comes from the taxes of the 53%. (Plus what it borrows and counterfeits – QE3 anyone?)
The money we receive now from Social Security comes from the taxes being paid in today. The money we each paid in for the last 40 years has already been spent. All of it. There is no Midas Room stuffed with greenbacks waiting for us. The politicians have already spent that money (our money!) on other things. There are just IOUs in the form of numbers on a ledger to show that you paid anything.
You are right, Ronni, that this is a gigantic, systemic problem. Medical care spending is the pink elephant in the room that will have to be discussed, too. In fact, it is much worse than Social Security. I don't have a solution either. And being forced to vote for either TweedleDee or TweedleDum is not helping either.
Yes, I agree people are not paid enough but people also are rarely frugal. We are a country where everyone expects a lifestyle that is far beyond that imagined by most of their grandparents when they were young. I mean in little things: eating out is one, but there are all kinds of electronics that really aren't needed, many personal indulgences (say manicures, hair stylists, gym memberships, all kinds of sports equipment for kids and dad... the list is enormous. And these indulgences are not just the middle class, all but the very poorest think they must have these things. The decorations on homes at Christmas time could seed many an IRA investment, not to mention all that goes under the tree. We've been told by advertising we deserve all sorts of extras. If saving came first instead of last more people would have nest eggs to fall back on. And I won't start on all the money managers who sucker would be savers into bad investments. Enough rant for one day, although there's much more.
My husband and I have lived frugally for decades. We have no credit card debt, no car payments, only our home mortgage -- and we're thinking of paying that off since we have so little income that the deduction for mortgage interest doesn't help us at tax time. Now, why am I griping? The money we have saved is paying us so little interest that we might as well put it under our mattress instead of buying CDs. We are now living on our principle instead of the interest we used to be able to live on. And, as our principle dwindles, we are getting scared. Luckily we had no money in mutual funds or stocks, so we didn't lose anything when the market crashed, but I've been afraid to sit down and figure out how long we can continue to live, draining our capital. Our social security doesn't keep up with what we used to make in interest.
One thing they could do to help SS is to do away with the cap on earnings and to tax all of everybody's salaries, but I haven't heard of anyone seriously proposing that for quite a while...
I agree with the assessment that salaries are too low for many folks to save anywhere near what is required to meet the basics in retirement. Most private/public companies discourage employees from discussing salaries with each other, and salary ranges are not normally posted by employers. This means everyone is on his/her own to determine what to negotiate for a salary unless they can find some information on-line or through a professional association. Private/public companies should make public to employees all job salary ranges just as the federal and state governments do.
It might be helpful to increase the minimum wage to above the poverty level. And, limiing CEO salaries to something within the range of what a human is worth and requiring that they meet some basic merit increase standards would be helpful also. Most of us are certainly not rewarded for failure as many of these CEOs are.
It is beginning to look like the second coming of the "Robber Baron" age.
Amen to penalizing companies that ship jobs overseas and slashing CEO salaries. As far as being frugal, I haven't eaten out in 3 years, eat beans and rice 2x/week, don't buy beverages or meat, drive less than 1500 miles/yr. and have a 12 yr. old used car. Been looking for any job for 3 years now with no luck. At night, in the summer, I turn out all the lights so I can afford a small window AC and get around by computer screen light and flash light. Kind of hard to cut much else out. I think Mitt should come and live with me or another elder for a month. Somehow, I still don't think he'd "get" it, so very out of touch with Americans.
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