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You have your cheat sheet. You have your sleeper list and a tally of players who might be over- or under-valued. Bu here are four players to avoid at your fantasy football draft, because they are either overvalued at their position or have a high bust potential.
Marshawn Lynch, RB, Seahawks
Lynch, 28, has been a workhorse the past few seasons, carrying the ball at least 300 times in each of the past two years. Over the past decade, just 17 running backs over the age of 28 have carried the ball 300 or more times, and of that group, only Edgerrin James, Shaun Alexander and LaDainian Tomlinson did it at ages 26 and 27. If Lynch gets 250 carries, that could mean a 1,050 yard, nine-touchdown season. Add to that an emerging Christine Michael waiting in the wings and Lynch is not worth a first round pick.
Jeremy Maclin, WR, Eagles
The Eagles took the league by storm last year. Coach Chip Kelly used an up-tempo offense that kept defenses on their toes and the team scored the fourth-most points in the league. However, he also had DeSean Jackson to stretch the field.
Per Pro Football Focus, DJax did not drop a single pass when targeted over 20 yards last season, and racked up 553 yards (16.8 yards per target) and eight touchdowns on deep throws. His replacement, Jeremy Maclin, is coming off ACL surgery, fighting a hamstring injury and took a serious blow to the knee in the preseason. In Maclin's last healthy season (2012), he averaged 2.2 yards on targets of 20 yards or more and 1.4 yards per route run. There are better wideout values in the sixth round.
Any Redskins WR
On paper, the Redskins have one of the best receiving corps in the league. Pierre Garcon led the league in receptions last season, DeSean Jackson was ninth in yards (1,332) and new head coach Jay Gruden turned the Bengals offense into a juggernaut. There is just one problem: Robert Griffin III is the quarterback, and he has not looked good in the preseason. His 46.0 passer rating is near the bottom of the list and Pro Football Focus has RGIII ranked 85 out of 90 preseason quarterbacks overall.
Hesitation in the pocket, poor footwork, not beating linebackers or defensive backs to the edge on scrambles and the inability to slide all add up to a season of disappointment.
C.J. Spiller, RB, Bills
No running back had a higher percentage of his yards on big plays (any runs of 15 yards or more) than Spiller (43.9 percent) last season. Unfortunately, the leaders don't tend to repeat. Going back to 2007, which is the first year Pro Football Focus tracked the data, just one running back has increased his percentage from one year to the next: Darren McFadden. However, McFadden was limited to just seven games in 2011, so with a larger sample size we might have seen a downturn. Toby Gerhart, Ryan Matthews and Frank Gore should all be available in a similar draft slot and provide more upside.
More Fantasy Football
2014 Fantasy Draft Home | Cheat Sheet | Mock Draft Analysis
Positional Rankings: Top 30 QBs | RBs | WRs | TEs | Ks | DEF
Draft Talent Tiers: QBs | RBs | WRs | TEs


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Hoyer Statement on Election as Democratic Whip
Katie Grant, 202-225-3130
WASHINGTON, DC - House Democratic Whip Steny H. Hoyer (MD) released the following statement today upon election as Democratic Whip:
"I am deeply honored to have been elected by the Democratic Members of the 113th Congress to serve another term as our party's Whip. Our Caucus's strength comes both from its diversity and from our unity as we stand up for the values of fairness and equality we share as Democrats.
"As I told my colleagues today, Americans remain concerned about the future of our economy and the state of our fiscal health. In the 113th Congress, Democrats will do our part to help every family make it in America and set our nation on a sound fiscal path. Where we can find common ground with Republicans to achieve these goals, Democrats are ready to do so. We will stand firm for our core principles and demand a Congress that achieves real results for the American people – one that rejects politics as usual and, instead, embraces action based on responsible compromise. Democrats are ready to do our part to move the country forward and meet the challenges that will confront the 113th Congress."
Hoyer was nominated to be the Democratic Whip by Congressman Elijah Cummings (MD) and seconded by Congressman Ben Ray Lujan (NM), Congressman-elect Sean Patrick Maloney (NY) and Congresswoman-elect Tammy Duckworth (IL).

subset: commoncrawl


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text: Couvent des Minimes puts you in a great location, within a 15-minute walk of Citadel of Lille and Lille Grand Square. Guests looking for a bite to eat can check out Le Jardin du Cloitre, which serves French cuisine and is open for breakfast and lunch. A bar/lounge and a snack bar/deli are other highlights, and rooms at this upscale hotel offer up nice touches like deep soaking tubs and premium bedding.


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Simple - Natural - Adorable
Welcome to the NEW Nature's Creek
We started our business in 1998 as Challenge & Fun as both a wholesale and retail business. Natures Creek is our new WHOLESALE ONLY website. Register to gain access to wholesale prices and information.
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February 17, 2016
Challenge & Fun Wholesale is now Nature's Creek!
Way back before the turn of the century we formed...
Nature's Creek was formed with the goal to introduce beautiful European toys and childcare equipment to the North American market. Initially our products were mostly wooden educational materials, with products from companies such as Erzi, Chelona, Sina Spielzeug, Estia, and more.
We were the one of the first companies to introduce organic cotton dolls to the US market. We can still remember the blank stares we received at Toy Fair 2002 when we excitedly informed customers that the cotton used in the Keptin-Jr dolls was organic. Since then we have expanded our lines to include Lana Organic and Kallisto, alongside Keptin-Jr.


text: Enjoy your visit to Zaporozhye with a stay at Teatralny Hotel. Guests looking for a bite to eat can check out the restaurant, and the bar/lounge is the perfect spot to grab a drink at the end of the day. Rooms at this upscale hotel offer up nice touches like bathrobes and slippers, along with 24-hour room service and LCD TVs.


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|Mombasa Riots: Political, Security and Economic Implications
|Tuesday, 08 October 2013
Riots followed the killing of Sheikh Ibrahim Omar, a Muslim cleric, and three other people who had travelled in the same car with him. The four had been shot on the outskirts of Mombasa in the night of 3 October 2013 in what looked similar to the assassination of Muslim cleric Aboud Rogo Mohammed in August 2012. Family and followers of both men – who had both been accused of Al Shabaab connections and support, and preached in the same mosque ‑ blame the Kenyan police and government for their death. The police unsurprisingly dismissed those allegations, but the murder of Aboud Rogo has, to date, not been solved.
The assassination and the riots took place two weeks after the terrorist attack on Nairobi shopping mall Westgate, leading to suspicions that these two events were related.
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Monthly Archives: August 2013
AOL to Close 400 Patch Sites
It was an ambitious project to begin with, but it seems as though AOL has decided that after years of mediocre success with hyper-local news, that they will begin to shut down many of their Patch sites. The fateful news … Continue reading
Amazon.com Founder Jeff Bezos Buys Washington Post
It was splashed across the (internet) headlines earlier Monday that after decades, the family that has owned and operated the Washington Post had sold the struggling paper. It came as even more of a shock to some that the man … Continue reading


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Lovestruckteen97 18-21 15 Answers 7 Jan 27, 2013 in Crushes & Obsessions
Visit him in jail
Best Answer
You don't.
Best Answer
Wait a couple of years until you're no longer a student. Is sleeping with him worth destroying his life?
Best Answer
You get him fired and put in jail and then he'll fall in love. Or the other way, either or - he'll go to jail.
Best Answer
Foxy said it all . Dumba** kids
Best Answer
I doubt a teacher would be that stupid, but it has happened before. You might be able to ruin his life. He would have to be treacherous himself so I guess he would deserve it.
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We all had a crush in 9th grade. You'll get over it!
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Become his pet then take it from there.
Best Answer
Get all A's
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Biovotion to present at MedtechandMoney in London
Biovotion at JPM conference in San Francisco
Biovotion to exhibit at Medica
Final closing Series A
Biovotion appoints new Chairman of the Board
Biovotion registered Everion® with FDA as medical device
Goldman Sachs Disruptive Tech Symposium
Regulatory clearance and manufacturing
Biovotion's journey – Interview by Junto Health
Biovotion at Mobile World Congress with Altran
Winner Deal of the Year 2016
2nd closing of ongoing Series A
Medica, we are coming!
Health monitoring: Make sense of sensors
Biovotion to present at Health 2.0 S. Clara
Biovotion goes Kilimanjaro
VSM1 going to action...
Biovotion goes Swiss Alpine with VSM1
Biovotion @ Viva Tech Paris-Novartis section
Swiss Re lead investor in Series A
2016 Red Herring Top 100 Europe Winner
2016 Red Herring Top 100 Europe Finalist
Biovotion becomes ISO13485 certified
Biovotion to speak at WEBIT on Digital health
Askmen from WTS 2016
Wearable Technology Show 2016 London
Biovotion named Europe's most innovative medical device company
Biovotion interview and article featured by European CEO
Biovotion in Goldman Sachs Report
No wearable, no policy?
Best Medical Wearable Award to Biovotion
Biovotion awarded CTI Label
Biovotion President (USA)
Biovotion & Infinity team up
Biovotion & exceet team up
VP Regulatory & Quality
Biovotion wins XPrize Award
Biovotion Selected as Finalist
Biovotion at White House meeting
Biovotion - NOMAD wins Eurostars grant
Nokia Sensing XCHALLENGE 2014
New career opening at Biovotion
Alpine Venture Forum award
Wearable Technologies Innovation World Cup
Biovotion wins Swiss CTI grant
Biovotion to team up with Netcetera
Biovotion receives prestigious European eHealth award
New career opening at Biovotion
Biovotion selected as finalist in EU SME eHealth Competition
Biovotion names company CFO
Biovotion presented at CTI-Invest
First year anniversary
Experiences from the eHealth week 2012 in Copenhagen
Big Data - Biovotion at HealthStartup conference
Biovotion selected as finalist in EU SME eHealth Competition
Biovotion completes proof of concept study for its VSM
Biovotion to present results of its wearable multi-sensor technology
Biovotion files new patent application
Biovotion acquires Solianis' sensor infrastructure
Biovotion acquires Solianis IP
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A Lady's Life in the Rocky Mountains
- Get it by Thursday, February 22 , Order by 12:00 PM Eastern and choose Expedited Delivery during checkout.
In 1872, Isabella Bird, daughter of a clergyman, set off alone to the Antipodes 'in search of health' and found she had embarked on a life of adventurous travel. In 1873, wearing Hawaiian riding dress, she rode her horse through the American Wild West, a terrain only newly opened to pioneer settlement. The letters that make up this volume were first published in 1879. They tell of magnificent, unspoiled landscapes and abundant wildlife, of encounters with rattlesnakes, wolves, pumas and grizzly bears, and her reactions to the volatile passions of the miners and pioneer settlers. A classic account of a truly astounding journey.
Product Details
|University of Oklahoma Press
|Publication date:
|Western Frontier Library Series
|Sales rank:
|Product dimensions:
|4.90(w) x 7.50(h) x 0.80(d)
About the Author
Isabella Bird (1831–1904) was born in England and became one of the most famous travel writers of the 19th century. After a childhood marred by illness, she was encouraged by her physician to travel. With 100 pounds given to her by her clergyman father, Bird explored Canada and the United States. During her travels, she wrote to her sister about her experiences and drew on that material for her first book. Later, Bird journeyed to Japan, China, Tibet, and Korea. Her discerning observations have been entertaining readers for over a century.
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Most Helpful Customer Reviews
I loved this book. I was taking a trip to Lake Tahoe and happened upon this. The first chapters tell how she came to Truckee and went to see Lake Tahoe. Then she moved on to the Rockies. What an experience to travel alone, as a women, in the 1870's in such a rural and un-explored place. It made me want to go there, though my experience will be vastly different. It took her days and days to get up to Long's Peak in Colorado, whereas now it's a short trip on an interstate. She wrote about spending the winter with some miner's at the base of Long's Peak. You must understand, the writing style of that time was somewhat archaic by today's standards, but it was still very enjoyable indeed....
Why did this truly remarkable woman ride 800 miles in 1873 through the Rocky Mountains in the dead of winter alone? She like many in England suffering from a damp climate came for the "camp cure" of the thin dry air of Colorado. But, beyond that she was mesmerized by the sublimity and ethereal beauty of the place. She stayed with families leading hard lives of subsistence, living in un-chinked log cabins where snow settled on her bed over the night. She lent a hand in all endeavors; herding cattle, baking bread, washing dishes and clothes. Observations made to her sister in a series of letters are telling. A hard working lack luster lifestyle spiced with tales of adventure from hunters, trappers around the fire in the evening become her routine. A desperado named Mountain Jim became her guide and companion on many of her rides through country she describes with the passion of the devout. In her lifetime Ms. Bird traveled extensively writing letters from the Sandwich Islands, China, India and other exotic realms before she passed at 73. I truly admire this plucky lady's zest for life and true Brit grit.
Ms Bird took could have stayed in England, burdened by some sort of sickness and most likely died a lonely, unhappy British subject. Instead she got out of the sickbed and travelled the world. After more than twenty years of roaming the world she happened onto North America. San Francisco, to be exact, and this is where this story starts. She makes her way to Truckee and takes a horseback tour you can actually see via her ability to paint pictures with words. From there she travels over the Rocky Mountains to the plains just east of the Front Range. The meat of this story takes place along the Front Range from Estes Park south to South Park and the frontier town of Colorado Springs. Her best companion is her well-loved Indian bronco, Birdie. A tough and smart little horse that got her through adventures most of us today would never consider. She engages we readers with her word painting that leave you breathless. The trip up Long's Peak in what is now a prominent feature of the Rocky Mountain National Park is a piece of descriptive literature readers will remember. I found myself not wanting the story to end. I did not want Ms Bird to leave the Rockies and most of all, I did not want her to leave that faithful little Birdie. I am glad I found this book. I am glad I found Ms Bird and if you enjoy well written literature this will be a page turner you won't want to end either.
Excellent reading. Bird captures a vivid slice of life (circa 1873) among a diverse community of settlers throughout the Rocky Moutains. She's a refined young British woman who matter of factly documents her experiences via letters to her sister. The descriptions of her 'ordinary' days are incomprehesible to men and women alive today. Even better, her use of the English language is exquisite - it's worth reading the book just to savor this.
Unlike many epistolary novels, "A Lady's Life in the Rocky Mountains" never once becomes dull, overly familiar, or self-indulgent. Isabella L. Bird recounts her travels across America, paricularly across the Colorado Rockies, with a deft, witty hand. She exposes phony cowboys and uppity housewives alike; never cruelly, just cleverly, with an educated observer's eye. For anyone who loves history, and the history of interesting Brits traveling alone in America, this book is a must read. I could go and on about her resilience and dedication to writing letters home (despite failing winter light, frozen ink and blizzards cutting off the mail), but I'll just say, if you want to learn about the mining and mountain towns of early Colorado territory, and enjoy one of the most interesting ladies of the 19th century, look no further.
Quit trying at page 12, of which ten were chapters, etc
tbis would have been much more interesting to me if the formatting had not been horrendous. multiple errors and spelling problems, not attributed to the author, I'm sure. BN could have done a better job with this.
I found the beginning very distracting. I couldnt get past the first few pages. I dont recommend this book.
I bought this book because it was selected by my book club. It has so many typos in it that it is quite difficult to read. You constantly have to reread sentences to make sure you have figured out the meaning. Good luck - maybe it will be corrected by the time you wish to read it!
Don't download this to your Nook! It's a poorly transcribed copy of the 1886 original. Numerous word errors to the point of it not making sense. Now I know why it was free.
HI to all - ILBird's book is one of those marvellous looks at the places we live in, know, and love; during a long-past time and in a long-gone condition we'll never get to see. It ranks with Brewer's 'Up and Down California...' for vivid description of life in those times. If you've ever been to a place which preserves a slice of life in the pioneering times of our country, here is a fascinating sense of what that life was really like.
I learned so much about the 1800's American West while enjoying a great story. I was inspired by the author's determination and humility.
Isabella is a woman ahead of her time. What an adventure! Fascinating reading written by a fascinating woman.
Reveals much of a woman's inner strength perservance and survival in an unearthly cold frontier environment
I lovedthis book. It was welled thought out and well prosuced. Also i loved the details Birdie incorperated in this well published nonfiction book. So this is all i am going to say because i dont want to give out any detail out. And just saying no one likes a spoil alerter. Well i just hope you enjoyed this book better than i did. Marta Bayan
The main character in this story traveled some of the most beautiful trails in the mountains. She tried to use some of the words the way they spoke them back then making it hard to read. I did not get the excitement that I thought I should. Also I found it to be a very slow read.
It was a great and very detailed book. It was detailed when she wrote about Lake Thoa. The only problem is i bought the sample and then bought the whole book it had the same about of pages of the sample.
No way
Isabella Bird's indomitable spirit and fortitude in realizing her dream of visiting Estes Park astonish me. Though life was hard and comforts few, it was also safer in many ways, as shown in her relationship with the desperado she meets on finally entering Estes Park . I can't imagine bearing the cold, ice, snow, etc. Bird's descriptions of sunrises and vistas tell me she studied art, knew pigments, and appreciated all she experienced. Bird did not fit in with Victorian England's restrictions on women, so traveled to Japan, Hawaii, New Zealand, and acquired many useful skills. That she remained long after the weather turned, after all other women had moved to the plains, is remarkable. Her 800 miles of travel on unmarked trails, on a sturdy horse she named after herself, to Colorado Springs, makes a suspenseful story. I was just in Colorado, in January, and the climate is so different. There's only 50% of the normal snowpack, and none at all on the plains; temperatures have been abnormally high. And there's smog above Denver.


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During her recap of last night's game, Emma Span at Bronx Banter got all anagrammy on your asses. Examples - A.J. Burnett : A Burnt Jet; Curtis Granderson : Transcends Rigour; Michael Kay : Lama Hickey.There was plenty of talk about Robinson Cano's bat after his performance last night but Maric Carig collected some quotes about his defensive abilities.Ian O'Connor talked to the infamous Ed Whitson - the first time the former Yankee granted an interview to a New York reporter about his time with the team since he left them in 1986. Whitson's name has been invoked frequently in attempts to frame the struggles of Javy Vazquez and he offers some advice on handling the vitriol to Javy at the end of the article.Soxenfredue! FanGraphs Audio breaks down the panic in Red Sox Nation.FJM founder, former writer for The Office and co-creator of Parks & Recreation Michael Schur just signed a multi-year deal with NBC.Details about Eastbound and Down's second season are emerging. (This link and the last via Aaron Gleeman)YES Network extra and commenter extraordinaire Mode weighs in with some thoughts on the future of PEDs in baseball.Brain Hoch asks what the matter with A-Rod is and Joe Girardi answers.Phil Musnick is bitching about how visible John Sterling was in the photos of the Yankees trip to the White House. I have to agree with him on this one and mentioned to a few people that I thought the players and coaches should have been together in the middle behind the President with everyone else out of the picture on the sides. I'm sure that was what they were hoping for, but these are probably the kind of logistical kerfuffles that happen when you are the lowly World Champions getting squeezed into the President's schedule.Will Leitch and Joe DeLessio began their tour of New York area minor league baseball stadiums with a trip out to Long Island to see the Ducks.Lahhhs Anduhson is in fackin' Pawtucket! It's only a matter of time until his name with be comically mispronounced by the Fenway Faithful.R.J. Anderson juxtaposes the takes of Jonah Keri and Greg Doyel on the Ryan Howard signing and explains what Jonah's has in spades that Doyel's has almost none of at all.I can't decide which I want more, this shirt, these shoes or this cake.What the fuck should you make for dinner? Find out.
Friday, April 30, 2010
Friday Morning Link Party
We are five for five: a linkaround everyday this week. Some may feel that's excessive, but Michael Phelps is totally down with it, brah! Wait, what were we talking about?And finally, again via Mr. Gleeman, this may be my favorite mashup ever.
Posted by Jay at 10:10 AM
2 comments:
Seeing Red Sox Nation freak out is always entertaining. Realistically speaking though, Theo Epstein was the best thing to happen to that organization IMO. If one month of mediocre baseball is enough to hamper his style, shame on them. If I'm a Sox fan, I'd be loving the situation. The team is staying afloat through some tough injuries. Playing as "badly as they have," they are only 6 games back. While this might not be the year they win the World Series, my guess is the rest of the AL hasn't seen what this team is capable of yet.ReplyDelete
I had Sterling pegged as an Obama drone, so this doesn't surprise me. In a city of 10 million people we can't find a better "voice of the New York Yankees?"ReplyDelete
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Author Emily Nagoski has a Ph.D. in Health Behavior, with a concentration in Human Sexuality from Indiana University, and a Masters degree in Counseling Psychology also from IU, including a clinical internship at the Kinsey Institute Sexual Health Clinic.
Orally Pleasuring a Man: 3 Things the Best Fellators Know
Author Emily Nagoski has a Ph.D. in Health Behavior, with a concentration in Human Sexuality from Indiana University, and a Masters degree in Counseling Psychology also from IU, including a clinical internship at the Kinsey Institute Sexual Health Clinic.
3 Things the Best Fellators Know
- Fellatio is fun! The best fellatio happens when the fellator really, truly loves what she's doing and really, truly enjoys the effect it has on the "fellatee." If you aren't enjoying yourself... well, imagine how you'd feel if your partners went down on you but clearly wasn't very glad to be there. Ew. Now imagine if he went down on you and clearly loved being there. Yeah. The best blowjobs are done with pleasure. If you're not enjoying yourself, you're not doing it right.
- Fellatio is noisy and messy. The sights, sounds and feel of a blowjob are undignified, silly, funny, and weird, as well as sexy, hot, and hugely arousing. Fellatio is a celebration of a relationship so trusting and open that you're ready to put another person's genitals in your mouth. Don't be shy — use your imagination, your knowledge, and, when necessary, several towels to make the experience as positive as it can be.
- The fellator is the one in control. You have in your hands and mouth the most sensitive part of a man's body. Believe me when I tell you: he is at your mercy. The best fellators know that they're in charge and they wield their power with aplomb.
Getting Past Your Discomfort About Going Down
But suppose your partner wants you to, and you want to give your partner pleasure. You don't love fellatio, but you want to learn to love it? Some tips:
- Skip the question, "Why?" Instead, ask yourself, "What is it about fellatio that I don't love?" Many of the things you think of are discussed in the "Ups and Downs of Going Down*" section— have a browse there.
- You might also just hesitate at the thought of putting someone's genitals in your mouth. Mostly genitals are like any other body part, and if you feel comfortable kissing his lips or his shoulders or his belly, you can feel comfortable kissing his genitals. Worried about hygiene? Take a shower together!
- Dispel the mystery with a sex-free grope. Sometimes women can feel baffled by men's genitalia, and demystifying the whole thing can help you feel at home down there. Really, there is nothing to be afraid of. Guys will frown to read this, but when you get down to it, men's genitals are pretty silly; even the hottest of hard-bodied men still has this undignified tangle of soft dangly bits between his legs. So get your guy to lie back some rainy Saturday and go exploring — with your hand, your eyes, your mouth, your elbows, whatever you feel comfortable trying. Hell, bring a magnifying glass if you want! Explore his other parts too, see how the genitals compare.
- Experiment cautiously. Try a few of the tips and techniques you'll find here that you're curious about. If they work out, awesome! If not, that's cool too. Remember, there's no obligation, and the fact that you're looking for ways to love fellatio is great in itself!
- Don't do it just because he wants it. The Martyr Blowjob, I call it. If you're doing it for him even though you don't like it, it's like when he agrees to watch the sappy chick flick with you — it's nice that he made the effort, but his boredom and eye rolling make you wish he'd just go upstairs and watch sports and leave you alone. Dig? I have never yet heard of a guy who really loved the blowjob he got from a woman who did it just because he wanted it. Do what you love, and he'll love what you do.


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Posted by Huskers86 on February 01, 2013 at 20:51:09 from (188.8.131.52):
In Reply to: IHC add posted by R Aiken on January 31, 2013 at 14:52:40:
I still have a deep freeze. It quit working in 01 and we unplugged it and plugged it in around middle of 02 and it was working again. I moved in 09 and it's still in my other house...maybe should try it but I can't figure out how they got it down the stairs into the basement. They must have taken the lid off or something. It a heavy ol girl for sure.
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How Much Life Insurance Should I Have?
There is no simple answer to the question "How much life insurance should I have?" The amount of life insurance needed varies during a person's lifetime and between individuals and families. The factors to consider when selecting a death benefit amount are current income and investments, outstanding debts, number of dependents and future financial goals, including retirement.
More specifically, family's should have a death benefit between 5 to 10 your annual income, and policyholders should account for mortgage payments, credit card bills, medical bills, funeral expenses, children's education and tuition costs, and a retirement package for your spouse to cover daily living expenses.
Using different types of policies, such as term, whole, universal, and variable coverage, can give individuals and families greater flexibility when determining the amount you should have.
Young Singles
Many young, healthy single people do not believe they need life insurance, but young people often start out with substantial debt from student loans, car loans and other major purchases, even mortgage loans.
How much life insurance a single person needs is based on the total amount of outstanding debt plus $10,000 to cover final expenses, such as medical bills and funeral expenses. This is because existing family members may have co-signed on a loan with their children and could be liable for any outstanding payments or the loan balance if the individual dies.
Additionally, young singles should think about future financial goals and consider buying permanent whole life insurance when they are young, healthy, and premiums are cheapest. Buying coverage at a young age can help individuals start saving early and accumulate wealth over time.
What If My Needs Change?
Your life insurance needs will change over the course of your lifetime. One way to deal with changing circumstances is to buy a whole life policy when you are young and supplement that policy with term protection, when necessary, to cover new debts, loans or financial obligations.
Whole insurance policies are permanent and accrue a cash value over time that can be used to meet financial goals. Temporary term life policies can provide extra protection as needed.
How Much Should A Working Parent Have?
Wage earners with financial dependents not only need enough life insurance to cover their debts and final expenses, but they need to provide for their surviving dependents, including spouse, children, and may even their own parents.
Financial planners or advisors and insurance experts generally recommend that wage earners have a minimum amount that is equal to 5 to 10 years of income, but the bottom line is to buy coverage that you are comfortable with.
Temporary term life insurance is a good choice for wage earners with dependents since the need for additional protection is highest when your children are born and gradually diminished as they become independent, graduate school or college, and begin to live on their own.
For this typical situation, a 20 or 30 year term life policy is best because rates are very cheap, the policy provides coverage when you most need it, and then expires as liabilities begin to decrease.
How Much Does A Stay at Home Parent Need?
Even though stay-at-home parents may not earn a wage, they contribute valuable services to the household, including child care, laundry services, cleaning, meal planning and preparation, and shopping.
Couples with children should consider how much these services would cost if the parent was no longer there to perform them. Once an annual figure is reached, multiply that amount by between 7 and 10, depending on the ages of the children.
Why Do Seniors Need Policy Coverage?
Most seniors have paid off their debts in preparation for retirement and do not have dependent children, but they still need life insurance. A senior's needs depend on their financial circumstances. For seniors with a modest estate, a $10,000 term policy is usually enough to cover final and medical expenses.
More affluent seniors may choose to carry enough life coverage to pay estate taxes for their heirs since the proceeds are not taxed, and can be used to pay off any taxes charged by the government when the estate changes hands to the heirs.
Covering A Mortgage
A home is the biggest purchase most families ever make, so it is important to ensure that the mortgage will be paid if a wage earner dies prematurely. The amount of money an individual needs to cover the balance of a mortgage decreases over time as payments are made. For debts like mortgages, there are policies called decreasing or mortgage term life insurance.
For these types of policies, the premiums and death benefit are not fixed and decrease over the term period as the debt is paid and decreases. This is extremely beneficial because, as the death benefit decreases to cover only the remaining portion of your mortgage, your rates also decrease because you do not need as much coverage each month. Decreasing term life insurance helps people avoid paying for more than they need.
Decreasing term is also used by banks and financing companies when entrepreneurs/business-owners are financing deals and the lender wants a personal guarantee to ensure payment of the business or commercial loan.
Why Buy A Policy For Your Children?
There are whole life policies called endowment policies that are perfect gifts for newborn children. An endowment policy is a type of limited payment whole insurance that accrues cash value as a child grows.
When the child reaches 18, 21, or 25, they can redeem the cash value of the policy to help pay expenses like college tuition, a car loan, or a down payment on a house, or they can convert the endowment policy into traditional whole life policy with low premiums.
The death benefit or amount of protection a parent or grandparent should buy for a child depends on their financial circumstances and how much money they went to offer the child when he/she grows up. Whole life insurance for children can almost be compared to a trust fund in many aspects.
Life Insurance As An Investment
Permanent policies like whole and universal life insurance can play an important role in financial planning. Life insurance as an investment for an individual depends on their financial goals. Permanent coverage is a long term investment that is great for retirement planning or saving for a child's education.
Few investments offer the security and stability of whole life and its ability to produce a guaranteed rate of return; meanwhile, universal life insurance offers greater risk for greater returns by investing in the stock and bond markets.
Since interest and dividends are tax-deferred until they are removed from the policy, your investment will continue to grow quicker and larger faster, making the tax advantages very attractive.
As A Tax Shelter
A single payment whole life makes an excellent tax shelter for older, affluent individuals. The cash value is fairly liquid and can be withdrawn or used for security for no- interest loans. Since loans are not considered income, no taxes are paid and there are no repayment terms on loans.
How much single payment life insurance an individual buys depends on how much money they want to put in a tax-free investment for retirement.
What Kind Should I Buy?
Since permanent policies have fixed death benefits, individuals cannot adjust the policies to meet their changing needs. For many people, the answer is to supplement permanent protection with temporary term policies. Young singles and retired seniors need less than couples with dependent children, a mortgage, credit card bills, and tuition costs.
Compare Coverage, Companies, and Premiums
Hopefully throughout this article, we've provided you some ideas, suggestions, and factors to consider when determining the details of your life insurance policy. How much you need depends on your current and future financial assets, liabilities, and goals.
The next step is to actually get a life insurance quote so potential policy holders can determine the cost of their policy.


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Media Release
Media Contact: Megan Ryan, Marketing & Events Director, 303.592.4069, email@example.com
Colorado Technology Association welcomes Suma Nallapati to board of directors
Denver, CO (October 1, 2014) – The Colorado Technology Association (CTA) is pleased to announce the addition of Suma Nallapati, Colorado's Secretary of Technology and Chief Information Officer, to our board of directors. The 45-member board is comprised of executives and business leaders from across the technology industry from Colorado.
Suma Nallapati is an accomplished technology leader and consultant with more than 17 years progressive experience in establishing and executing value driven global IT service strategy and delivery. She has extensive experience with leading technology driven innovation for business transformation, health care infrastructure operations, and global enterprise business applications. She is a people leader who builds high performance teams within multi-cultural, globally distributed workforce through mentoring, coaching and inspiration.
Suma is a champion of collaboration, breaking silos and achieving excellence across all organizations. As Colorado's Secretary of Technology and Chief Information Officer, she is committed to positioning the Governor's Office of Information Technology (OIT) as a leader in IT innovation for state government. She is also passionately committed to innovating everyday solutions for OIT's customers and end users.
Suma comes to OIT from Catholic Health Initiatives (CHI), one of the nation's largest healthcare networks, where she led service delivery operations for a complex multi-state rapidly growing healthcare IT footprint leading distributed teams that included data center and network operations, service desk and end user computing. Previously, Suma worked at TeleTech where she served as the Global Director of Enterprise applications. Suma worked to deploy complex ERP, self-service business applications and related systems in a governed, best practices framework across 19 countries and helped with the transformation of the technology organization to a true service provider model.
Suma also co-founded a highly successful IT consulting firm that translates proven CRM, ERP, e-business and Business Intelligence technologies business solutions for its clients across the United States. This has helped her cultivate a "think like an owner" attitude to align a company's vision, mission, value, and culture with the daily activities of the business.
"CTA is pleased to continue the strong relationship with the Governor's Office of Information Technology and amplify the voice of the public sector on our board of directors," said Erik Mitisek, CEO of CTA. "Suma's vast knowledge of the industry in both the private and public sector will provide valuable insight for our board, association and industry as a whole."
About Colorado Technology Association: The Colorado Technology Association (CTA) leads the network of companies and professionals fueling Colorado's economy, through technology. Since 1994, the association has represented Colorado's technology industry, one of the fastest growing industries in the state. The CTA leads an inclusive network that benefits our member community, advocates for a pro-business and technology-friendly climate, influences the development of a robust talent pipeline and leads initiatives to help companies grow. For more information on Colorado Technology Association, please call 303.592.4070 or visit ColoradoTechnology.org.
2/28/2018Securing the Edge and the World of IoT
3/1/2018Box Lunch N' Learn: The Death of Enterprise Content Management
3/6/2018Daybreak Education Series: The Business of IoT
3/15/2018C-Level @ A Mile High


text:
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I was very interested in Tim Bass' response to my posting Regulation: Don't Throw the Baby Out With the Bathwater. You can read...
The goal of any financial market structure and its
supporting rules should be to foster an environment of freedom and transparency
where informed market participants can make trading decisions that reflect pursuit
of their rational self-interest. Now truly
rational self-interest...
Copyright © 2018 Progress Software Corporation and/or its subsidiaries or affiliates.
All Rights Reserved.
Progress, Telerik, and certain product names used herein are trademarks or registered trademarks of Progress Software Corporation and/or one of its subsidiaries or affiliates in the U.S. and/or other countries. See Trademarks for appropriate markings.


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Wednesday, October 16
Season's Greetings
21 comments:
- June K said...
Beautiful card, Stephanie.
- 16 October 2013 at 12:15
- Tracey McNeely said...
Fabulous card!
- 16 October 2013 at 12:48
- Katie Berberich said...
Oh, these are so pretty Stephanie. It looks like a snowy front door with such gorgeous décor.
It sounds like you have some precious time coming up, I hope you have an awesome time with the children.
I can't wait to have my kiddos home.
Hugs, Katie xxx
- 16 October 2013 at 13:00
- Mandy said...
fab cards Stephanie, I'm excellent at writing 'to do' lists, the problem is I'm rubbish at doing what's on the list !!
- 16 October 2013 at 13:27
- Anita said...
Gorgeous Christmas cards Stephanie!
Hugs, Anita
p.s. I juist made a card using your poppy stamp, maybe you liked to check it out? www.anitashobbyverslaving.blogspot.com. Much appreciated ;)
- 16 October 2013 at 13:29
- Gibmiss said...
Hi Steph
Gorgeous Christmas card.....
I will be going to the uk tomorrow .... Not keen on the weather though 26 degs here in Gib.....
Hugs Sylvie xx
- 16 October 2013 at 14:22
- Barb said...
Beautiful! I love how you've stamped the sentiment over top of the wreath and given dimension to the bow. Perfectly CAS!
- 16 October 2013 at 14:33
- Stamps and Paper said...
Fabulos card Steph..love your design
- 16 October 2013 at 15:52
- Sazzle Dazzle said...
Beautiful, Clean and Simple cards Stephanie and so perfect for Christmas. Enjoy half term. x
- 16 October 2013 at 16:00
- Craftin Suzie (Susan Flynn) said...
A beautiful design Stephanie, its pouring down here too! Susan x
- 16 October 2013 at 19:08
- cm said...
Beautiful set, Stephanie - and since I own the wreath set (yayyyyy!!!), you've certainly sparked inspiration! We're on the 'brink' of snow today; the clouds have settled in to share the flakes soon.
- 16 October 2013 at 20:00
- bonnie said...
Stunning cards as always sweet friend :) xx
- 16 October 2013 at 20:41
- vickiscraft said...
Yay, half-term, we only have one week off though but I'm not complaining! :) Love your cards Steph and just want to say I was delighted with my dies I received yesterday and the 'darling' little stamp set you sent...thank you so much,sweet, kind lady! :)
Enjoy the half-term xx
- 16 October 2013 at 21:54
- Cindy Lovell said...
Beautiful card,Stephanie!! I love the sentiment on top of the wreath!!
- 16 October 2013 at 22:44
- Louise B said...
Great card, love the Christmas stamps. So glad my daughter only has a week off. My daughter is very active and is always on the go and me being 6 months pregnant, it is hard work keeping up with her!
- 16 October 2013 at 22:53
- Mary-Anne V said...
Very nice clean cards...love the wrapped twine.
- 17 October 2013 at 01:57
- Chris said...
Hi Stephanie, just stopping by to say how delightful your blog is. Thanks so much for sharing. I have recently found your blog and am now following you, and will visit often. Please stop by my blog and perhaps you would like to follow me also. Have a wonderful day. Hugs, Chris
- 17 October 2013 at 02:19
- Karen B said...
Weather bad here in Somerset as well Stephanie! Lovely set of cards - so pretty and such a good idea to make a few whilst you've got everything out. Bet you have a great time with your children at half term. Thanks for your lovely comments.
Karen x
- 17 October 2013 at 07:16
- perelka111 said...
Very nice clean cards...
- 17 October 2013 at 08:46
- Marlou McAlees said...
beautiful :) xxx ♥
- 17 October 2013 at 15:24
- jintyoo7 said...
Sweet, sweet, design :)
It's pouring cats and dogs here too - South Texas! Rather unusual really, we have had a lot of rain over the past few weeks - good for the land though - LOL
Have a lovely half term with the littles!
- 18 October 2013 at 16:33


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Film Festival - Radio Free Albemuth
Renovation is delighted to be showing the feature film Radio Free Albemuth as part of the Renovation Film Festival.
The film is based on the novel by Philip K. Dick's novel - one in which Dick himself appears
as a character. PKD gave the novel to his friend (and Renovation Guest of Honor)
Tim Powers and Powers in turn gave it to the family after PKD's death.
The novel was published posthumously.
Radio Free Albemuth Trailer from Elizabeth Karr on Vimeo.
Radio Free Albemuth has been winning awards on the festival circuit and in June 2011 was chosen as the opening night event for the Annual Science Fiction Hall of Fame Awards at the Experience Music Project Science Fiction Museum in Seattle. The movie is currently preparing for a theatrical release.
The movie stars Shea Whigham (Boardwalk Empire, Machete, Bad Lieutenant) Alanis Morissette (popular music icon and winner of 7 Grammys), Katheryn Winnick (Love & Other Drugs, Killers, Cold Souls, Bones) and Jonathan Scarfe (The Work & The Glory I,II,III, ER, Raising the Bar, triple Canadian Emmy winner).
Reviews of the film are very positive, the latest coming from
Variety (August 2, 2011):
Writer / Director - John Alan Simon
Radio Free Albemuth has been adapted, directed and produced by John Alan Simon. John Alan Simon is a science fiction aficionado who has been in love with science fiction since his Harvard days. In addition to Radio Free Albemuth, he currently holds the film rights to Valis and Flow My Tears, the Policeman Said, as well as for all of Lucius Shepard's books. Simon's script for Flow My Tears was optioned last year by Halcyon Entertainment (Terminator Salvation) for a 2012 start date, with Simon also acting as a producer. Simon's previous producer credits include The Getaway, directed by Roger Donaldson, starring Alec Baldwin, Kim Bassinger and Philip Seymour Hoffman.
Presentation and Q&A
On Sunday morning, at 10 a.m. in room A03, John Alan Simon will give the following talk:
"I Liked the Book Better" - The Pleasures and Perils of Adapting Philip K. Dick's Works for the Big Screen
In this talk, John Alan Simon will discuss adapting one of science fiction's favorite cult novels for the cinema. Along the way he will answer questions and attempt to cover the process of writing an adaptation vs. original screenplay, the author-screenwriter relationship and strategies to employ for successfully translating a novel or short story to the screen.
- Website: www.radiofreealbemuth.com
- Radio Free Albemuth on Facebook


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Westmont College merit scholarship
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Get info about Westmont College merit scholarship, and registering for elective discussion sections and seminars. As a student, your first stop should be the registrar's office, where you can pick up a free copy of both the academic calendar and course catalog, in order to find available credit classes that you may be interested in taking. Consult with an academic advisor, to ensure that your chosen classes constitute a full-time course load, and fulfills major requirements. Finally, check with the admissions office for assistance with prerequisites, tuition payment deadlines, and Westmont College scholarship applications information. Please use the form above to request admissions info for Westmont College.
Grants and scholarships are highly sought-after, because they don't have to be repaid. Grants are often need-based, while scholarships are usually merit-based. The US Department of Education offers a variety of federal grants, such as Federal Pell Grants and Supplemental Educational Opportunity Grants (FSEOG grants). However, there are some cases in which you may have to repay certain grants. For example, if you withdrew early from the program for which the grant was given to you, or if your enrollment status changed in a way that reduced your eligibility for a given grant.
There are thousands of scholarships, from all kinds of organizations, and they're not hard apply for online. You may find that you're eligible for an academic scholarship if you're an outstanding student, or an athletic scholarship if you stand out on the playing field. Digging deeper, there are niche scholarships awarded for a variety or reasons, such as because your parents work for a particular company, or you are a member of a civic organization such as the Rotary Club. Beyond degree requirements such as Westmont College academic scholarships, you may consider Shepherd University AP test credit for complementary electives to your primary course of study.
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Chris Evert, who previously worked for NBC and CBS, has joined ESPN as an studio and match analyst for the network's coverage of Wimbledon and the U.S. Open.
Evert, who won 18 major singles championships, will begin her ESPN duties June 20 at Wimbledon.
"I've been away from TV for 10 years because my priority was raising my three boys," Evert said in a statement released by ESPN, "and now that they are older it is the right time to join the exceptional tennis team at ESPN. I have many friends there and enjoy watching their coverage so I look forward to getting back behind the microphone."


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It was a successful Women's Weekend in Berlin filled with leading, following, dancing, laughter and great enthusiasm.
When Daniela (Feilcke -Wolff) and I spoke about doing A Women's Weekend there was no hesitation for either one of us. She has been doing Tangueras workshops as I had done the leading ladies evenings in Phoenix. The bigger questions were about how to make it different or special. One thing we did was to add our Women's Only milonga to it. I'm not completely sure, but it does seem like it was the first one in Berlin (hard to believe, so the fact finding on that is still open).
Daniela and I have similar and yet, very different Tango background stories and therefore our pedagogical approaches are also differently flavored. Our goals were to give these varied insights into learning how to lead as women. With mixed experience levels the women in attendance took 12 hours of tango class which included laying a foundational structure that included in general walking, turning, embrace, and ideas for being creative and musical in your social dancing.
On the heels of a wonderful women's weekend of Tangueras – leading, following, dancing – Sharna Fabiano and Mitra Martin of Oxygen Tango both posted great blogs around the theme of women only events in Tango. How timely and how supportive! In Sharna's Blog she addresses one of the biggest questions that I get from men (and some women), WHY? She mentions 3 reasons as to WHY: the Happiness Quotient, Practical Skills, and Stress Busting. Which I totally agree with. And probably falling under all 3 of these categories, came a message from a young man who shared that young women are sometimes bothered by men who come to events and milongas to meet women or to take them home. An all woman's event takes this pressure and worry off of the women; busting the stress factors!
Women are natural nurturers and empathic givers. It is vital for them to receive and be nourished as continual giving out ends in depletion, an increasingly common health problem. Women instinctually know how to nourish each other, and just being with each other is restorative.
– Tanja Taljaard and Azriel Re'Shel in Why Women Need a Tribe
The All Women's milonga had 35 women in attendance. We were so happy to have this many women at the first one of these events. We had a lovely young up and coming DJ Deborah Maus, who did a fantastic job of keeping us dancing tanda after tanda the whole night! And the feedback was immensely positive: "Can't wait for the next one", "Fantastic!", "Nice relaxed atmosphere".
All the ladies danced and of course chatted as when you get women in a room, we must chatter! I was overwhelmed by ALL the smiling faces!!!! Honestly, there was so much presence and joy in the room!
The women came from all different groups of the Berlin Tango scene and really, everyone danced with practically everyone!!!!
What are your thoughts on Women's Events and Milongas? Would love to hear your feedback.
When's the next one you ask? Stay tuned!!!!
(In respecting the privacy of the dancers in attendance, I posted pictures with the permission of the dancers.)
Read more


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Key resources
Nettle C
SA Health, Community and Neighbourhood Houses and Centres Association
This booklet, and its companion website, were created to encourage the establishment of new community gardens and to support the flourishing of those already growing. The booklet and website have been designed to be relevant to:
The information this booklet contains is based on questions posed by people starting community gardens, and advice from experienced community gardeners, as well as research in community development, project management, and sustainable gardening.
Claire Nettle (2010) Growing community: starting and nurturing community gardens
The Growing community booklet and website would be most useful to those people planning to establish new community gardens and to support the flourishing of those already growing.
Community Centres SA
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Ph: (08) 8371 4622
Freecall: 1800 633 616 (non-metro callers only)
Fax: (08) 8371 4722
Email: email@example.com
To obtain more copies:
The booklet can be downloaded from the Community Centres SA website (see links below).
Or printed copies are available from Community Centres SA, Ph: (08) 8371 4622.
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PS1 Videos
Half-Minute Hero Second - Japanese Prologue Trailer Video
The first featured quite the original concept: you get 30 seconds to finish your quest and claim your prize. The game is set in the old-school classic style, so it's sort of like our old 16-bit action/RPGs (like Zelda) on speed. It went over very well with the fans, which is why Marvelous plans to deliver a sequel, Half-Minute Hero Second. Here's a look at a new Japanese trailer; if you're feeling nostalgic and you want to see a time-based twist on a classic formula, you gotta check it out.
1/19/2011 Ben Dutka
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April 24, 2009
CID The Dummy Comes Smashing into
your Life Today!
Meet CID, the loveable and impact
resistant hero, as he is available today in a store near you!
CID is set in a near-future version
of our own planet, where an obsession with safety has grown to such an extent
that any product made or sold by anyone, has to pass a near-infinite list of
safety tests. Be it a steamroller, a plimsoll, or even a book, it's got to be
safety checked by the Crash Impact Dummies! CID is one of these dummies, but he
is bored with life, he just wants an adventure! And he is about to get sent on
the mission of a lifetime…
Let Professor B M Werken show you
how to get a hang of CID's tricks, skills and weapons in preparation for your
FIGHT: Learn from the Professor
how to fight, beat your opponents – and watch out for those zombies!
SPRINT: You'll need to gather up
some speed to burst through walls and barriers – use the catapult to really
gain some speed…
BAZOOKA: Use your bazooka, take
aim at your targets and really blast 'em!
PANIC: When all else fails –
panic! Get that adrenalin going – who knows what you're capable of!
So grab your bazooka and find out
for yourself!
CID The Dummy on Wii, Playstation 2,
PSP, and PC are out now!


text:
Super-G champion Innerhofer doubtful for downhill
A fever is leaving world super-G champion Christof Innerhofer doubtful for Saturday's downhill, potentially removing the race's sudden favourite from the sport's most glamorous event.
The Italian ski federation said that Innerhofer skipped the mandatory public bib draw Friday evening to stay in his hotel and rest.
Innerhofer won the opening men's race on Wednesday and posted the fastest time in downhill training the following day. In Friday's final practice session, he held back and finished 2.99 seconds off the lead.
In the space of little more than 24 hours, Innerhofer went from a promising but underachieving skier to the downhill favourite.
Before the fever struck, he had been trying to play down being cast as the man to beat in Saturday's downhill.
"If Innerhofer does everything right, it will be hard [to beat him]. His setup is good and he races really well, he has shown that couple of times this season," said Michael Walchhofer, the Austrian veteran who was 2.70 seconds behind Innerhofer in Thursday's practice run.
"What Innerhofer did today…I haven't seen stuff like that since Hermann Maier was showing everyone that he was two seconds better than anyone else. That's almost what Innerhofer did today," said Norway's Aksel Lund Svindal, who was 1.05 seconds behind in second place.
"This is the world championships and there is only one guy who really can handle it. That's kind of an unique situation," said Svindal, the Olympic silver medallist.
Innerhofer established himself as the favourite by winning Wednesday's super-G on the icy, very bumpy and shaded Kandahar course that has awed many veterans.
"There's no doubt that I feel comfortable on the Kandahar course and that I'm having an easy time not just choosing the right lines but also maintaining it despite the ice and bumps," the Italian said. "Anyhow, this training session might not mean much, because a lot of people are hiding themselves. Not everyone is going all out from start to finish but only in certain sections.
"The Kandahar is a really tough course because it has some very long sections in the shade without much visibility and there are a lot of bumps," he said. "You've got to just try to limit the damage in the tough sections more than everyone else."
Having said that, Innerhofer proceeded to put his training run in perspective.
"I think that training is not so important. Because we have seen many times where I was fast in training but in the race it was different," he said.
"I don't feel like the favourite. They say after every training that I am the favourite for the downhill but than you have other guys on the podium. I was on the podium in downhill two times in three years. Cuche ends on the podium almost every race," Innerhofer said.
"So I think the big guys are the favourites, like Cuche, Miller, Walchhofer."
Didier Cuche of Switzerland struggled with his goggles and was 1.82 seconds behind Innerhofer in fourth place, the same he finished in the super-G. Bode Miller of the United States, the Olympic bronze medallist, was 2.49 seconds behind.
"You have to attack, because if you don't attack, you have no chance to make a medal," said Cuche, who won the silver medal two years ago.
If Innerhofer feels comfortable on the Kandahar course, many others don't.
"It's a hill everyone usually likes to ski but I didn't have a lot of fun out there. It's pretty rock 'n' roll, icy, bumpy," said Erik Guay of Mont-Tremblant, Que., who was fourth in Friday's training run. "If you want to be competitive, there are sections that you have to nail.
"I think you are going to see some crashes in the finish of people that aren't in good shape. I came down and I definitely felt my legs halfway through the course and then across the finish line it was challenging to stop," Guay added.
Walchhofer said the course looks fine during inspection, "but with speed, you don't see all these little bumps. That's not easy."
Svindal was worried about the bumps and poor visibility.
"It's really the bumps and the light that makes it difficult," he said. "When the bumps hit you, it's too late. You should have reacted but you can't see them. You do inspection but there a thousand bumps in this hill, it's kind of hard to remember all of them."
"That's going to be one tiring downhill. I think a combination of the snow, how bumpy it is and light that makes it really tough," Svindal said.
Cuche is the only medallist from two years who returns. Gold medal winner John Kucera of Canada is injured and bronze medallist Carlo Janka of Switzerland has pulled out of the race to focus in the technical races.


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US & Canada
Joseph Michael Schreiber facing charge of arson and hate crime over incident in US state on anniversary of 9/11 attacks.
United States
by Mark Perry
The Listening Post
US & Canada21 Jun 2016 06:35 GMT
New voices are joining the push for reform, but can they succeed where others have failed?
Orlando shooting21 Jun 2016 05:13 GMT
Senate rejects measures by Republicans and Democrats to stem gun violence after worst shooting in modern US history.
War & Conflict20 Jun 2016 22:46 GMT
FBI says no proof Omar Mateen was directed by foreign armed group as it releases suspect's first conversation with 911.
Orlando shooting20 Jun 2016 08:25 GMT
A look at the AR-15 rifle used in three recent mass shootings, including the Orlando massacre which killed 50.
US & Canada20 Jun 2016 04:05 GMT
US president's appeal comes less than a week after mass shooting in Orlando gay nightclub that left 49 people dead.
The Listening Post18 Jun 2016 10:25 GMT
We analyse the coverage of the mass shooting in Orlando, Florida; plus, cartoonist Gado on the state of Kenya's media.
US & Canada17 Jun 2016 11:48 GMT
US Congress urged to make it harder for people to buy weapons like the one used in Sunday's killings in Florida gay bar.
Reporter's Notebook
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text: Attitude and Behavior Effects in a Randomized Trial of Increased Access to Emergency ContraceptionWeaver, Mark A. PhD; Raymond, Elizabeth G. MD, MPH; Baecher, Laura MDObstetrics & Gynecology: January 2009 - Volume 113 - Issue 1 - p 107-116 doi: 10.1097/AOG.0b013e318190c0fe Original Research Abstract In Brief Author Information Article Outline OBJECTIVE: To explore the effects of providing unrestricted access to emergency contraception in advance of need on various psychosocial outcomes and pregnancy. METHODS: In the trial, women were randomly assigned to either increased access to emergency contraception (two free packs at enrollment with unlimited free resupply) or standard access. Participants were evaluated for 1 year for pregnancy and other outcomes. Psychosocial data were collected at enrollment and at 6 and 12 months. We applied exploratory factor analysis for data reduction. We compared the resulting psychosocial factors (including factors related to "aversion to pregnancy" and to the perceived "relative benefit" and "accessibility" of emergency contraception), two items directly assessing substitution, and pregnancy between randomization groups over time. RESULTS: On average, women in the increased access group had significantly stronger perceptions of both the "relative benefit" and "accessibility" of emergency contraception (P<.001 for each). Women in the increased access group were significantly more likely to report that they had ever used emergency contraception because they did not want to use either condoms or another contraceptive method (P<.001). Regarding pregnancy, we noted a significant interaction between randomization group and "aversion to pregnancy" (P=.010): among the least "averse" women, increased access had a protective effect (hazard ratio 0.64, 95% confidence interval 0.39–1.04); among the most "averse" women, increased access had a deleterious effect (hazard ratio 1.73, 95% confidence interval 1.01–2.98). CONCLUSION: As a result of having unrestricted access, some women substituted emergency contraception for their usual contraceptive methods. CLINICAL TRIAL REGISTRATION: ClinicalTrials.gov, www.clinicaltrials.gov, NCT00060463 LEVEL OF EVIDENCE: I Women who have unrestricted access are more likely than those with less access to substitute emergency contraception for their usual contraceptive methods. From 1Family Health International, Research Triangle Park, North Carolina; and 2the University of North Carolina at Chapel Hill, Chapel Hill, North Carolina. Support for the original study was provided by Family Health International (FHI) with funds from the National Institute of Child Health and Human Development (NICHD) Grant Number 5 RO1 HD39907-04. Plan B was donated to that trial by Barr Pharmaceuticals, Inc., Pomona, NY. Support for the preparation of this article was provided by FHI with funds from the William and Flora Hewlett Foundation. The views expressed in this article do not necessarily reflect those of FHI, NICHD, or the Hewlett Foundation. Corresponding author: Mark Weaver, Family Health International, PO Box 13950, Research Triangle Park, NC 27709; e-mail: firstname.lastname@example.com. Financial Disclosure As an employee of Family Health International, Dr. Raymond has worked on studies funded by Barr Pharmaceuticals, Inc. (Pomona, NY), the U.S. distributor of Plan B emergency contraceptive pills. The other authors did not report any potential conflicts of interest. Abstract MATERIALS AND METHODS RESULTS DISCUSSION REFERENCES Cited By Results from at least 14 comparative studies have provided no convincing evidence that increased access to emergency contraception reduces the risk of unintended pregnancy.1 On the other hand, previous studies also have not found that increased emergency contraception access adversely affects self-reported coital or contraceptive use patterns,2 and in fact, three trials have shown that it does not increase risk of sexually transmitted infection.3–5 Furthermore, most of these studies provided evidence that increasing access encourages both more frequent and more prompt use of emergency contraception after unprotected intercourse.2 Given these findings, some authors have concluded that providing emergency contraception in advance of need is wholly beneficial.6 Recently published international family planning guidelines have advocated universal application of this approach.7 However, based on data from a randomized trial, we recently concluded that some women most likely increased their risk of unintended pregnancy as a direct consequence of having unrestricted access to emergency contraception.8 Here, we describe new findings from this same trial. We conducted these secondary analyses to investigate the effects of providing unrestricted access to emergency contraception on women's attitudes and practices regarding reproductive health, use of emergency contraception, and use of other contraceptive methods. Our a priori null hypothesis was that the randomization groups would not differ, either overall or within any important subgroups, with respect to any of the outcomes being explored. Back to Top | Article Outline MATERIALS AND METHODS We conducted an unblinded randomized trial in Nevada and North Carolina between October 2002 and June 2005. The protocol was approved by the institutional review boards of the University of California at San Francisco and Family Health International. Details of the trial methods and primary results have been presented previously.5 In brief, we enrolled 1,490 sexually active women aged 14 to 24 years who did not desire pregnancy and who did not plan to use long-acting contraceptive methods within the subsequent year. At the enrollment visit, women completed a computer-assisted self-interview that collected relevant baseline data and that also included a set of 27 reproductive health knowledge and attitude items (Fig. 1). These items covered the topics of pregnancy, sexually transmitted infections, condoms, birth control pills, emergency contraception, and abortion. To minimize missing data, we programmed the computer to require subjects to answer all questions. Women were then randomly assigned to one of two groups in a one-to-one ratio, stratified by site, using sequentially numbered, opaque, sealed envelopes. Women assigned to the increased access group received two free packs of emergency contraception at enrollment, with unlimited free resupply throughout the study; women assigned to the standard access group were advised about getting emergency contraception from the study site at usual charge when needed. The trial sample size was based on the power for comparing the incidence of pregnancy and sexually transmitted infections between groups.5 Fig During scheduled visits at approximately 6 and 12 months postrandomization, women completed a computer-assisted self-interview that included the same 27 reproductive health items asked at enrollment plus 16 additional items specifically related to emergency contraception (Fig. 2). This interview also asked two direct questions about whether, since joining the study, the participant had "ever used emergency contraceptive pills because [she] did not want to use" a condom or another contraceptive method. Responses to these two items were scored as 0="never," 1="once," 2="a few times," and 3="many times." We also collected data on all pregnancies and each self-reported use of emergency contraception throughout the study. Fig The analyses reported here included all women who contributed data to the primary pregnancy analysis, specifically, 724 and 717 women in the increased and standard access groups,5 respectively, except for one woman in the increased access group whose baseline self-interview data were lost due to a computer error. We considered 6- or 12-month visits to be any visit that occurred either between 5 and 7 months or between 12 and 14 months postrandomization, respectively, and we excluded data from any visits that occurred outside of these windows. We used exploratory factor analysis as a method of data reduction before subsequent analyses. Exploratory factor analysis is a statistical method that sorts a large set of questionnaire items into internally correlated subsets, each of which is assumed to represent an unobserved, underlying concept, called a "factor." The nature of each factor is subjectively deduced by examining the content of the items in the respective subset. For each participant, one can then estimate a factor score, which signifies her level of congruence with the associated underlying concept. These estimated factor scores can be used as outcomes or predictors in subsequent analyses. Using only the enrollment data, we first conducted a factor analysis using all 27 reproductive health items (Fig. 1). We reverse-scored indicated items so that higher scores always represented a stronger desire or more self-efficacy to prevent either pregnancy or sexually transmitted infection. We used subjective methods (a scree plot of the eigenvalues9) to determine a minimal number of factors that would account for most of the covariation in the original responses. We applied a recommended approach (principal factor analysis followed by an oblique promax rotation9,10) to obtain our final solution. We excluded items that either did not sort into any factor or that sorted into more than one factor. As a validation of our solution, we repeated the factor analysis using data from the two follow-up visits separately, but we derived all estimated factor scores for subsequent analyses using the scoring coefficients obtained from the enrollment data. Similarly, we conducted separate exploratory factor analyses with the 19 emergency contraception items (Fig. 2) for each treatment group at each follow-up visit. Based on these four analyses, we determined the number of factors and items to be retained; items that were not consistently sorted into a single factor were excluded. Using the reduced item pool, we then fit a factor analysis to the 6-month data for the standard access group alone to eliminate any effects of treatment or time. We used the resulting scoring coefficients to derive estimated factor scores for both groups at both visits. Factor scores were transformed back to the original item scale to aid interpretation. We investigated the effect of our intervention with respect to the following outcomes: 1) the reproductive health psychosocial factor scores; 2) the emergency contraception psychosocial factor scores; 3) the two individual items about substitution of emergency contraception for other methods, as well as a combined substitution outcome defined as the maximal response on the two items; and 4) the incidence of pregnancy. To investigate group differences over time while controlling for within-subject correlation, we applied general linear mixed models with unstructured covariance matrices separately for each factor score. We used generalized estimating equation methods with an identity link function and an unstructured working correlation matrix to analyze the combined substitution outcome over time. Each model included terms for visit, treatment, and the visit-by-treatment interaction and was adjusted for all baseline variables listed in Table 1. To explore both the overall effects of increased access as well as any effect modification across important subgroups of women, we first fit a full model that included all of the two-way interactions between the baseline variables and treatment group. We tested the need for all interaction terms simultaneously; if that test was not significant, we used a reduced model without interactions for treatment group comparisons. However, if the overall interaction test was significant, our final model included any interaction terms that were individually significant in the full model. Table 1 For the analysis of pregnancy, we used a Cox proportional hazards model, stratified by site, to explore interactions between treatment group and baseline covariates. However, given the relatively small number of pregnancies (67 in the increased access group and 70 in the standard access group), we used a two-step model-building strategy. We first fit a model containing all baseline covariates listed in Table 1, and we used a likelihood ratio test to eliminate nonsignificant terms. We then tested whether any two-way interactions with treatment group could significantly improve the fit of this reduced model using a second likelihood ratio test. The final model included all significant covariates from the first step and all significant interactions from the second step. We investigated violations to the proportional hazards assumption by adding interactions with time and using a likelihood ratio test. We conducted all tests at the two-tailed 5% significance level. All analyses were performed using SAS 9 (SAS Institute Inc., Cary, NC). Back to Top | Article Outline RESULTS In the increased access group, 565 of 723 women in the analysis population (78%) contributed interview data from both follow-up visits, 115 (16%) contributed data from only one visit, and 43 (6%) contributed no interview data. In the standard access group, the corresponding values were 573 of 717 women (80%) with both visits, 117 (16%) with one visit, and 27 (4%) with no interview data. The factor analysis of the 27 baseline reproductive health items (Fig. 1) arranged 14 of the items into four subsets assumed to represent underlying psychosocial factors; the other 13 items were excluded. This four-factor solution accounted for almost 100% of the covariation among the original responses. Based on the content of the items in each subset, we named the factors "perceived contraceptive efficacy," "aversion to pregnancy," "access to contraception," and "stigma." The results of separate factor analyses with the 6- and 12-month data were almost identical to those for the baseline data, providing some validation of our final solution. For the emergency contraception items (Fig. 2), factor analyses consistently resulted in a two-factor solution that explained almost 100% of the covariation among the original responses. Six items were consistently arranged into the first factor, seven into the second factor, and six items into neither factor. Based on the item subsets, we named the factors "emergency contraception relative benefit" and "emergency contraception accessibility." The estimated scores for these two emergency contraception factors were not significantly correlated; however, "emergency contraception relative benefit" was significantly correlated with responses to each of the two contraceptive substitution items, with estimated correlations of approximately 0.3. Enrollment data (Table 1) from the analysis population are similar to those presented previously for the entire randomized population.5 The groups were similar at baseline with respect to the reproductive health psychosocial factors; participants in both groups tended to agree on average with the items (reversed where indicated) in the "perceived contraceptive efficacy," "aversion to pregnancy," and "access to contraception" factors, whereas they tended to disagree on average with the items in the "stigma" factor (Fig. 1). The groups did not differ significantly with respect to any of the reproductive health factors at either follow-up visit (Table 2), and we found no evidence of treatment effects within any subgroups of the population. Table 2 The groups differed significantly in their responses to the two questions about substitution of emergency contraception for condoms or other methods (Table 3). At each visit, women in the increased access group were approximately three times as likely as women in the standard access group to report that they had ever substituted. Among women who had data for both follow-up visits and who ever reported substituting, 42% and 45% in the increased and standard access groups, respectively, reported a greater frequency of ever substituting at 12 than at 6 months, suggesting that substitution was not simply an immediate postrandomization occurrence. Table 3 For the combined substitution outcome (the maximal response on the two individual substitution questions), we noted a significant interaction (P<.001) between treatment group and contraceptive method used at baseline (hormonal method, consistent condoms, or neither). Consequently, although women in the increased access group were more likely to report substituting with emergency contraception at both follow-up visits regardless of contraceptive method used at baseline, the effect was most pronounced among women who neither used a hormonal method nor were consistent condom users at baseline (Table 4). Table 4 The groups differed significantly with respect to the "emergency contraception relative benefit" factor at both visits; women in the increased access group perceived greater average benefit of emergency contraception use (Table 4). The groups also differed significantly with respect to all six component items of the "emergency contraception relative benefit" factor at both visits (all Mantel-Haenszel P values, controlling for site, were less than .01; item means for the 6-month visit are not shown but are similar to those for the 12-month visit presented in Figure 2). Women in the increased access group also had higher "emergency contraception accessibility" scores on average than women in the standard access group (Table 4), suggesting that our increased access intervention enhanced women's perceptions of the ease of obtaining and using emergency contraception. This effect was significantly more pronounced at the North Carolina site than at the Nevada site, and it was observed in unmarried women but not in the small proportion of married women in our sample. We conducted some additional analyses to investigate the validity of the substitution questions. The median number of reported emergency contraception uses tended to increase with the reported frequency of substitution in both groups (Table 5), as would be expected. In both groups combined, pregnancy rates increased significantly with increasing frequency of substitution (Cochran-Armitage trend test P=0.01); however, this result must be interpreted with caution because the order of the reported substitution and pregnancy was impossible to determine in most cases. However, we found evidence that the substitution data may not be entirely valid. Some women in each group reported fewer emergency contraception uses than would be implied based on their responses to the substitution items (Table 5). In addition, some women provided inconsistent responses to these items over time, but the relative frequency of these inconsistencies was similar in the two groups: among women who had data for both follow-up visits and who reported any substitution in the first 6 months, 38% and 39% in the increased and standard access groups, respectively, reported more substitution at 6 than at 12 months. Table 5 Examining pregnancy incidence, we noted a significant interaction between the "aversion to pregnancy" factor and treatment group (P=.010): the effect of increased access to emergency contraception on pregnancy risk was inversely related to a woman's "aversion to pregnancy." For example, among women with an estimated "aversion to pregnancy" score at the 10th percentile (ie, the least "averse" women), increased access to emergency contraception decreased the risk of pregnancy relative to standard access (hazard ratio 0.64, 95% confidence interval 0.39–1.04). In contrast, among women with an estimated "aversion to pregnancy" score at the 90th percentile (i.e., the most "averse" women), increased access to emergency contraception actually increased the risk of pregnancy relative to standard access (hazard ratio 1.73, 95% confidence interval 1.01–2.98). Our model controlled for previous pregnancy, Hispanic ethnicity, and contraceptive method used at baseline. We found no evidence that the proportional hazards assumption was violated for this model. Back to Top | Article Outline DISCUSSION Our results provide a possible explanation for the failure of our emergency contraception access intervention to produce a measurable decrease in unintended pregnancies. We found compelling evidence that women who received increased access were more likely than women who received standard access to substitute emergency contraception for their usual contraceptive method, even though we were unable to directly measure the extent or nature of that substitution. Substituting emergency contraception for a more efficacious contraceptive method, such as regular hormonal contraception or condoms, would increase the risk of unplanned pregnancy. In contrast, use of emergency contraception after acts that otherwise would have been either completely or partially unprotected would decrease risk. These two effects could easily have offset each other, thus creating no measurable population-level effect on pregnancy rates. This conclusion is entirely consistent with that drawn from our previously published analysis from the same study.8 There, we observed that a greater proportion of the pregnancies in the increased access group than in the standard access group were either probably or possibly the result of emergency contraception failure. Given this, we reasoned that the women in the increased access group as a whole likely had more acts for which emergency contraception was used in place of a more effective contraceptive method. Here, we base our conclusion on the totality of our results rather than on any individual finding. Our data do not allow us to identify precisely which participants substituted emergency contraception for other contraceptive methods or when they may have done so. Although we refer to the two questions summarized in Table 3 as "emergency contraception substitution items," these questions were not pretested, and participants may not have interpreted them as asking explicitly about substitution, as we had intended. Nevertheless, our data provide consistent evidence to support our conclusion. The items that contributed to the factor we subjectively named "emergency contraception relative benefit" (Figure 2) emphasize the utility of emergency contraception compared with other contraceptive methods; in fact, two of these items specifically describe substitution scenarios. Thus, an alternative name for the latent concept measured by this subset of items might be "propensity to substitute." The positive correlations between this factor and the direct substitution questions provide some evidence of the validity of this interpretation. Furthermore, because the factor items asked about current attitudes, they were not subject to recall bias, unlike the substitution questions. Indeed, this factor might very well be a more reliable measure of a propensity to substitute than responses to the direct substitution questions. Although our intervention did not measurably affect pregnancy risk across the entire study population, if it encouraged some women to substitute emergency contraception for more effective contraceptive methods, then it caused an increase in pregnancy risk for those acts for those women. The concern that our intervention was hazardous to some women is supported by our analysis of pregnancy. We found that our intervention increased the pregnancy risk among women who were most averse to pregnancy but decreased risk among women who were the least averse. Although our analysis did not specifically link this finding to emergency contraception substitution, this finding provides further evidence that the effect of unrestricted access was not uniform across the study population. Consistent with results from other studies, our primary analysis of this trial found no evidence of a treatment effect on self-reported sexual behavior or use of contraceptive methods other than emergency contraception.5 However, one should not infer from those results that unrestricted access to emergency contraception had no effect on contraceptive behaviors. First, and most importantly, nonsignificant statistical tests can never provide persuasive evidence in favor of the null hypothesis. Additionally, self-reported sexual behavior data have been found to be of questionable validity.11 Thus, although the findings presented here are different from those of the primary analyses,5 the two are not necessarily incompatible. Our analysis has limitations. First, it was not prespecified and could have been influenced by knowledge of the primary study results. However, we did not selectively present only results that supported our conclusions. Second, we performed many tests of significance without any adjustments for multiplicity. However, the level of evidence provided by almost all of these tests (with P values typically less than .001) would have withstood such adjustment. Third, roughly 8% of all randomly assigned participants contributed no psychosocial data. However, unless the missing standard access participants happened to be much more inclined than the missing increased access participants to have substituted emergency contraception for their usual contraceptive method, it seems unlikely that these missing data could have negated our conclusions. Finally, asking the emergency contraception psychosocial items in conjunction with providing unlimited access to emergency contraception might have persuaded some women to substitute. However, these questions were not asked until the 6-month visit, yet the data provide evidence of substitution before this visit, which implies that such an effect could not entirely explain our results. Our results do not necessarily generalize to other increased access interventions. In particular, providing women with unlimited free supplies of emergency contraception in advance of need, as we did, is certainly much more aggressive than making emergency contraception available "behind the counter," as is the current policy in the United States. Furthermore, the increased risk that some women experienced as a direct result of our intervention applies to unintended pregnancy only, not necessarily to other undesirable consequences of sex. Specifically, the results from our primary analyses demonstrated convincingly that women with increased access are not at appreciably greater risk for sexually transmitted infections.5 However, although a new international guidance (Family planning: a global handbook for providers,7 Chapter 3) encourages providers of family planning to, "if possible, give all women who want [emergency contraceptive pills] a supply in advance," our current results do suggest that a policy of providing unrestricted advance access to emergency contraception could be detrimental for some women.Back to Top | Article Outline REFERENCES1. Raymond EG, Trussell J, Polis CB. Population effect of increased access to emergency contraceptive pills: a systematic review. Obstet Gynecol 2007;109:181–8. Cited Here... | View Full Text | PubMed | CrossRef 2. Polis CB, Schaffer K, Blanchard K, Glasier A, Harper CC, Grimes DA. Advance provision of emergency contraception for pregnancy prevention: a meta-analysis. Obstet Gynecol 2007;110:1379–88. Cited Here... | View Full Text | PubMed | CrossRef 3. Gold MA, Wolford JE, Smith KA, Parker AM. The effects of advance provision of emergency contraception on adolescent women's sexual and contraceptive behaviors. J Pediatr Adolesc Gynecol 2004;17:87–96. Cited Here... | PubMed | CrossRef 4. Raine TR, Harper CC, Rocca CH, Fischer R, Padian N, Klausner JD, et al. Direct access to emergency contraception through pharmacies and effect on unintended pregnancy and STIs: a randomized controlled trial. JAMA 2005;293:54–62. Cited Here... | View Full Text | PubMed | CrossRef 5. Raymond EG, Stewart F, Weaver M, Monteith C, Van Der Pol B. Impact of increased access to emergency contraceptive pills: a randomized controlled trial. Obstet Gynecol 2006;108:1098–106. Cited Here... | View Full Text | PubMed | CrossRef 6. Sanfilippo J, Downing D. Emergency contraception: when and how to use it. J Fam Pract 2008;57 suppl S25–36. Cited Here... | PubMed 7. World Health Organization, Department of Reproductive Health and Research (WHO/RHR) and Johns Hopkins Bloomberg School of Public Health/Center for Communication Programs (CCP), INFO Project. Family planning: a global handbook for providers. Baltimore (MD) and Geneva (Switzerland): CCP and WHO; 2007. Cited Here... 8. Raymond EG, Weaver MA. Effect of an emergency contraceptive pill intervention on pregnancy risk behavior. Contraception 2008;77:333–6. Cited Here... | PubMed | CrossRef 9. Jobson JD. Applied multivariate data analysis: Vol. II: categorical and multivariate methods. New York (NY): Springer-Verlag; 1992. Cited Here... 10. Fabrigar LR, Wegener DT, MacCallum RC, Strahan EJ. Evaluating the use of exploratory factor analysis in psychological research. Psych Methods 1999;4:272–99. Cited Here... 11. Pequegnat W, Fishbein M, Celentano D, Ehrhardt A, Garnett G, Holtgrave D, et al. NIMH/APPC workgroup on behavioral and biological outcomes in HIV/STD prevention studies: a position statement. Sex Transm Dis 2000;27: 127–32. Cited Here... | View Full Text | PubMed | CrossRef Figure © 2009 by The American College of Obstetricians and Gynecologists. Published by Wolters Kluwer Health, Inc. All rights reserved.