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How to Use
the Readings
Reading 1
Both Walker and Penney had strongly embedded principles they thought important in the conduct of their businesses and their daily lives. Each had well-defined philosophies about their goals in life. The following selections show both their determination and their dedication to meet those goals.
At the Thirteenth Annual Convention of the National Negro Business League in 1912, no women were included on the schedule of speakers. Madam Walker shocked the participants when she walked up and claimed the podium from moderator Booker T. Washington:
Surely you are not going to shut the door in my face. I feel that I am in a business that is a credit to the womanhood of our race. I am a woman who started in business seven years ago with only $1.50. . . .this year (up to the 19th day of this month . . .) I had taken in $18,000. (Prolonged applause). This makes a grand total of $63,049 made in my hair business in Indianapolis. (Applause.) I have been trying to get before you business people to tell you what I am doing. I am a woman that came from the cotton fields of the South; I was promoted from there to the wash-tub (laughter); then I was promoted to the cook kitchen, and from there I promoted myself into the business of manufacturing hair goods and preparations. . . . I am not ashamed of my past; I am not ashamed of my humble beginning. Don't think that because you have to go down in the wash-tub that you are any less a lady! (prolonged applause.)1
At the Fourteenth Annual Convention, Madam Walker was on the schedule, explaining to the audience how she had succeeded in the business world:
In the first place I found, by experience, that it pays to be honest and straightforward in all your dealings. (Applause.) In the second place, the girls and women of our race must not be afraid to take hold of business endeavor and, by patient industry, close economy, determined effort, and close application to business, wring success out of a number of business opportunities that lie at their doors. . . . I have made it possible for many colored women to abandon the wash-tub for more pleasant and profitable occupation. (Hearty applause.) Now I realize that in the so-called higher walks of life, many were prone to look down upon "hair dressers" as they called us; they didn't have a very high opinion of our calling, so I had to go down and dignify this work, so much so that many of the best women of our race are now engaged in this line of business, and many of them are now in my employ.2
My Newly Acquired Associates:
2. To expect for the service we render a fair remuneration and not all the profit the traffic will bear.
3. To do all in our power to pack the customer's dollar full of value, quality, and satisfaction.
4. To continue to train ourselves and our associates so that the service we give will be more and more intelligently performed.
5. To improve constantly the human factor in our business.
6. To reward men and women in our organization through participation in what the business produces.
7. To test our every policy, method, and act in this wise: "Does it square with what is right and just?"
Questions for Reading 3
1. How did Walker show her energy and belief in herself in her speech in 1912? in 1913?
2. How did Walker show her commitment to helping other African-American women achieve the success that would bring independence and self-respect?
3. How did Penney indicate that following the Golden Rule would help business and benefit customers? Do you agree? Why or why not?
4. What business principles does Penney suggest will benefit his customers?
5. Why do you think "The Penney Idea" continues to be part of the company's mission statement today?
Reading 3 was compiled from materials provided by A'Lelia P. Bundles and the J.C. Penney Archives, Dallas, TX.
¹Report of the Thirteenth Annual Convention of the National Negro Business League, Chicago, IL, August 21-23, 1912, William H. Davis, Official Stenographer, Washington, D.C., 154-55.


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The search obtained 34.
Property Code :
Location : Bunga
Price : 82000 US Dollars
0 Bedrooms Available
Contact : email@example.com
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subset: commoncrawl


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Choose from all the awesome footage in our Member Library of 115,000+ HD stock videos and more.
Everything you download is yours to keep and use forever-royalty free.
We regularly add new content so there's always something fresh to see.
Members save 10% on every purchase compared to non-members, which means even more variety at an affordable price.


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The Walt Disney Co. has struck a deal to bring the fantasy world of "Avatar" to Disney Parks, starting with a multi-attraction themed land at Disney's Animal Kingdom in Orlando, Fla.
Director James Cameron and his producing partner Jon Landau -- the team behind the 2009 cinematic blockbuster "Avatar" -- will serve as creative consultants, working with Walt Disney Imagineering to bring the fantasy world of Pandora and the broader Avatar universe to Disney's parks throughout the world.
Ground-breaking at Animal Kingdom, the newest of four theme parks at the city-sized Walt Disney World in Orlando, is planned for 2013.
"I'm chomping at the bit to start work with Disney's legendary Imagineers to bring our AVATAR universe to life," Cameron said in a statement announcing the deal Tuesday morning. COMPANY TOWN


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duce is a valid word in this word list. For a definition, see the external dictionary links below.
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b - cubed e - deuce educe l - clued n - dunce o - coude douce r - crude cured s - duces t - educt
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cud cue de due ecu ed
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Yohko is nothing but ordinary. Throughout her life she has been considered an outcast, especially with a hair color not native to many in Japan, bright red. Things change for Yohko when a mysterious man named Keiki arrives and claims that she is his empress. Yohko and two friends are then taken through a vortex, and then abandoned.. in a world of demons and magic.
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14 votes
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To say Juuni Kokki merely impressed me would be blatant understatement; nay, if anything, it completely awed me. Without a doubt the best fantasy anime ever to grace the airwaves, its aural sense of sovereignty sets it on pedestal far above its contemporaries. While not absolutely perfect, as far as novel-to-screenplay transitions go Juuni Kokki is the cream of the crop, as its only... read more
Juuni Kokki (The Twelve Kingdoms) is best described as an epic "world-discovery" anime. Ono Fuyumi creates a vast, and richly detailed fantasy world consisting of twelve kingdoms, each governed by an immortal emperor supported by his or her kirin, a magical beast resembling a unicorn. Even from the first few episodes, it is apparent that exceptional effort is given towards the creation of... read more
The Twelve Kingdoms (Light Novel)
Character Design
Character Design


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The Secret for Getting Ready for Tax Time
Of the two constants in life, taxes have one big advantage over death; we know when they are coming! So why do we often find ourselves putting it off until the last minute? The answer to that question lies in two parts.
Read More
[PODCAST] The Psychology Behind Organizing
Professional Organizer Maureen Heinen reveals there is more to organizing than just setting up systems.
Watch or Listen
Checklist: Organizing Tax Paperwork
Most people dread tax time because they have to gather all that paperwork and documentation - maybe miss some vital tax information and mess up their bottom line. Reduce your worries this year by following this step-by-step tax time checklist as you prepare your return or meet with your CPA or tax advisor.
Download Checklist
[VIDEO] How to Organize Tax Return Records
Here is an easy way to organize tax return records when you start bemoaning the fact that "tax time is coming soon".
Watch Video


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- Quicklook Walnut Wine Rack $89.95 – $539.95
- Quicklook Maple Wine Rack $89.95 – $539.95
- Quicklook Marble Stacking Wine Rack Sugg. Price $129.95 Sale $99.99
- Quicklook Walnut Stacking Wine Rack Sugg. Price $59.95 Sale $47.99
- Quicklook Olivewood Stacking Wine Rack Sugg. Price $69.95 Sale $54.99
- Quicklook Walnut Pyramid Wine Rack Sugg. Price $59.95 Sale $39.99
- Quicklook Olivewood Pyramid Wine Rack Sugg. Price $59.95 Sale $39.99
- Quicklook Swedish Wood Shelving, Wine Racks $179.95 – $329.95
- Quicklook Navarro Wine Storage Sugg. Price $895 – $1,595 Sale $626.99 – $1,275.99
- Quicklook GrowlerWerks uKeg Growler, 128-Oz. $199.95 – $249.95
- Quicklook GrowlerWerks uKeg Growler, 64-Oz. $149.95 – $184.95
- Quicklook Marvel Indoor Single Tap Built-In Beer Dispenser, 24" Sugg. Price $2,332 Our Price $2,199.95
Beer & Wine Storage
If you are a wine connoisseur, choosing the right wine gadgets and wine storage is an important part of presenting and protecting your collection. Several options are available to choose from. Along with your collection of corkscrews and decanters, a standard wine cabinet is an essential tool for storing the wine you drink with meals. A wooden wine rack is also a decorative addition to your kitchen if you have traditional decor, or you can opt for a stainless-steel wine rack if you prefer a modern look. If you want to store more wine, a wine refrigerator is an excellent alternative to a traditional wine rack.
When you collect wine, you should opt for a wine refrigerator with a ultraviolet light-resistant door to ensure your bottles are protected from excess light, and choose a dual-zone refrigerator if you have wines with varying temperature requirements. To store wine that is opened, you can choose a wine stopper. Wine stoppers are available in a selection of styles, including those with figurines on the top to add a decorative touch to your wine bottles. For champagne, a resealer is an option that retains the bubbles in the beverage. Just place the resealer or stopper in the top for the bottle to ensure a fresh, just-opened flavor.
Some occasions, such as dinner parties or holiday gatherings, require a full bottle of wine. You can use a decanter to enhance the flavor of the wine before serving it to your guests. Choose a glass decanter when serving older wines to separate the sediment from the liquid while the flavor of young wines improves greatly when the wine is exposed to oxygen through the decanting process. To decant wines properly, pour the wine slowly into the decanting container for optimum oxygen exposure and avoid shaking the wine to keep the sediment separate.
Additionally, it is best to decant younger wines in advance to maximize oxygen exposure while older wines with sediment are best when decanted immediately before serving. Some young wines also have sediment. An aerator is also an option to maximize oxygen exposure before serving wine. Aerators are available in a variety of styles, including handheld options and those that sit on top of the decanter. Opt for a combination aerator and pourer for the convenience of pouring wine straight from the bottle to the glass, or choose an aerator and decanter set to display your wine elegantly during a dinner party.
If you or your guests prefer beer, you can choose a beer opener to make serving a cinch. Install a novelty beer opener on your kitchen wall to open beers easily any time, or choose a traditional beer opener to use for picnics and backyard barbecues. Mixed drinks are also a popular option and are simple to prepare with a few recipes and some basic tools. Add a jigger measuring beaker to your collection to measure liquors for mixed drinks perfectly, or choose a martini shaker to make a tasty shaken martini.
For a stirred martini, choose a martini mixer with a stirring wand rather than a traditional shaker. To make other types of mixed drinks, choose a shaker set that fits onto a basic Mason canning jar. William-Sonoma offers a variety of shakers and mixers to choose from, including specialty items such as monogrammed flasks. A variety of basic supplies, including wine and beer glasses, are also available. Opt for modern wine tumblers for a causal evening with friends, or choose stemmed wineglasses for a special evening. With a selection of barware, gadgets and storage, you are prepared to serve and store wine, mixed drinks and beer to friends and family any time.


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Message Board
Catherine Jones Message Board
Talk about the novels, new and used books that Jones has written!
Author Jones's Book Reviews
Sisters in Arms
In July 1987 three young women meet on their first day as army cadets at Sandhurst in southern England. Amanda Hardwick, a former teacher, is very efficient but rather secretive about her family and private life, Edwina Austin, a former art student, is energetic and plain-speaking, and Lizzie Armstrong, who has recently left high school, is gentle, tactful but quietly assertive, and as her mother was in the Wrens, she is no stranger to life in the armed ...


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at Fleetwood Library every week
We re-launch our Baby Bounce session with our rhyme sessions of singing, instruments and parachute activities. All children under school age and their parents welcome.
You might also be interested in…many of our libraries also hold regular Toddler Rhyme Time and Story Timesessions for slightly older children
This event is free, no ticket required.
For more information, please contact us


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For users who are not privy to kernel compilation, genkernel is a tool to automate this process. It can help you create a kernel image akin to those available on Gentoo Installation CDs, which are designed to auto-detect the hardware configuration of your system. Some users may also be interested in using genkernel for hardware requiring initialization and a working kernel before the system starts up. Since genkernel automatically compiles your kernel modules, you can use hardware that may require certain module parameters to be loaded for proper operation.
If you are either uncertain about how to compile a kernel, or are just unfamiliar with your hardware configuration, genkernel is a very handy tool. It is designed to take the pain out of the kernel compiling process, and supports most hardware by default.
However, if you know what drivers are required by your system, you may be able to further reduce the time taken to compile the kernel. This is possible since you can direct genkernel to only build drivers relevant to your hardware. Oftentimes, the number of drivers required by your system will be fewer (implying a shorter kernel compilation time) than the default configuration provides.
To obtain genkernel, run
Although there are several ways to run genkernel, the least-intrusive approach
is provided by
# genkernel --splash --no-install --no-clean --menuconfig all
The above operation causes genkernel to create a framebuffer splash-enabled
kernel (
There are other flags which alter the result provided by genkernel. For
instance, replacing
Remember, genkernel is designed to make kernel compilation easy and stress-free. For this reason, genkernel features several flags to ease the kernel compilation effort. For example, there are flags to help with kernel configuration, while others affect the actual compilation. Some flags even help debug the compilation process. For those interested in further optimization, there are flags that affect kernel assembling, packaging and even kernel initialization.
The rest of this chapter examines the functionality of various flags and
actions available for genkernel. Some of the flags have variants which perform
a converse operation. The converse variants carry the
The configuration flags listed below exist to help you decide what features should be enabled or disabled in the kernel prior to compilation. You can even choose whether or not the configuration file created in the process should be saved. The following are the primary configuration flags:
The following flags usually take effect during the actual compilation:
The following flags are supported by genkernel, and are passed to the relevant
applications while the kernel is being assembled. These flags affect the
The use of debugging flags during the kernel compilation process controls the amount of information reported, as well as the presentation of said data.
The flags here are used to create certain effects during system startup. Some of these flags are primarily for aesthetics, while others may be essential for enabling certain features on the system.
The assortment of flags listed below are supported by genkernel, but do not fit neatly into any of the other categories:
An action tells genkernel what to build. Currently, the following actions are supported:
The last action,
To set up genkernel to work with your bootloader, three or four changes should be applied to the bootloader's configuration file:
Passing flags to genkernel from the command line can be cumbersome, especially if you have about a dozen flags:
# genkernel --debuglevel=5 --no-color --no-mrproper --clean --splash \ --kerneldir=/path/to/alternate/kernel/sources --install --menuconfig \ --kernel-config=/path/to/preferred/configfile --save-config --mountboot all
Fortunately, there is a configuration file where most of the basic options can be set (or changed) as necessary. What follows is a rundown of the more relevant options:
By choosing the appropriate options in
# genkernel --splash --kerneldir=/path/to/alternate/kernel/sources \ --kernel-config=/path/to/preferred/configfile --install all
Identical results are obtained from both approaches, but the latter has most of the options stored in a script that can be modified at a later date.
The genkernel utility can build kernel and initrd images that provide support
for network booting, or
The magic lies in genkernel's linuxrc script: it will try to
To enable support for netbooting, include the following options while configuring the kernel:
First, the kernel image must include the drivers for your Network Interface Cards (NIC). Normally, drivers for such devices will be compiled as modules. However, it is essential (for netbooting) that you have such drivers compiled directly into the kernel image and not as modules.
Device Drivers ---> Networking Support ---> Ethernet (10 or 100Mbit) ---> [*] Ethernet (10 or 100Mbit) <*> the driver for your network card
(Be sure to select <*> and not <M>)
Secondly, we suggest that you enable
Device Drivers ---> Networking Support ---> Networking options [*] TCP/IP networking---> [*] IP: kernel level autoconfiguration [*] IP: DHCP support
(These options tell the kernel to send a DHCP request at bootup.)
Additionally, you should enable SquashFS because most modern Gentoo
Installation CDs require it. Support for SquashFS is not included with the
generic kernel source tree. To enable SquashFS, apply the necessary patches to
the generic kernel source or install
File systems---> Miscellaneous filesystems ---> [*] SquashFS 2.X - Squashed file system support
Once the compilation process is completed, create a compressed
(Create a tar.gz containing all the modules)# cd / # tar -cf /tmp/modules-X.Y.Z.tar.gz /lib/modules/X.Y.Z/
Depending on your network boot mechanism, you will need to do some of the following steps:
(Create an etherboot image)# emerge mknbi # cd /boot # mkelf-linux -params="root=/dev/ram0 init=/linuxrc ip=dhcp" kernel... initrd... > etherboot.img (Create a OpenBoot / SPARC64 TFTP image)# emerge sparc-utils # cd /boot # elftoaout kernel... -o kernel.aout # piggyback64 kernel.aout System.map-... initrd-... # mv kernel.aout openboot.img (This is the boot image) (PXE does not need any more steps, the kernel and initrd can be used as is)
Finally, copy this kernel to your TFTP server. The details are architecture-dependent and are beyond the scope of this guide. Please refer to the documentation for your platform.
To setup a NFS share that contains the Installation CD, use the loop device to
mount the ISO image and then copy the contents of the CD into the NFS share. As
a nice extra, genkernel's initrd scripts will extract all tar.gz files located
in the
(This assumes that /nfs/livecd is an exported NFS share)# mount /tmp/gentoo-livecd.iso /mnt/cdrom -o loop # cp -p /mnt/cdrom /nfs/livecd # umount /mnt/cdrom (Copy the modules.tar.gz into /add)# mkdir /nfs/livecd/add # cp /tmp/modules-X.Y.Z.tar.gz /nfs/livecd/add
The netboot images will ask your DHCP server for an IP as well as a root-path parameter. Both can be specified per host using a MAC address to identify machines:
... host netbootableMachine { hardware ethernet 11:22:33:44:55:66; fixed-address 192.168.1.10; option root-path "192.168.1.2:/nfs/livecd"; }
# Here, 192.168.1.2 is the NFS server # While 192.168.1.10 will be the IP address of the netbooted machine...
Netbooting itself is again very platform-specific. The important part is to
specify the
# Etherboot - insert the etherboot disk into the drive and reboot # The kernel command line was specified when the image was constructed # Sparc64 - Hit Stop-A at the boot promptok boot net ip=dhcp init=/linuxrc # PXE - Setup pxelinux (part of syslinux), then create a pxelinux.cfg/default along the lines of:DEFAULT gentoo TIMEOUT 40 PROMPT 1 LABEL gentoo KERNEL kernel-X.Y.Z APPEND initrd=initrd-X.Y.Z root=/dev/ram0 init=/linuxrc ip=dhcp
The purpose of genkernel is to provide an (easier) alternative to the time-tested approach to kernel compilation. As always, you are free to decide on whether or not you want to automate the kernel compilation process.


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The start of the landmark trial in absentia of four Hezbollah fighters charged in the assassination of former Lebanese Prime Minister Rafik Hariri was postponed Thursday by a judge at the U.N.-backed Special Tribunal for Lebanon.
The decision is a major setback for efforts to prosecute the Feb. 14, 2005, bombing that killed Hariri and 22 others, one of the Middle East's most notorious assassinations.
Judge Daniel Fransen said in a written ruling the provisional March 25 start date set last year could not go ahead because prosecutors have not yet disclosed all evidence to defense attorneys for the suspects, and the attorneys can't access other material because of technical issues. Also, defense attorneys have a number of outstanding requests for assistance in their investigations with Lebanese authorities.
Fransen ruled that the problems and delays would "not allow Defense Counsel adequate time to prepare for trial and would be in violation of the most basic right of the accused and the principle of fair trial," the tribunal said in a statement.
No new date was immediately set for the trial.
The Shiite militia Hezbollah denies involvement in Hariri's killing and has refused to extradite the suspects, leading the tribunal to order them put on trial in absentia.
Hariri was once one of Lebanon's most powerful Sunni leaders.
When the case gets under way, it will be the first trial in absentia since the post-World War II Nuremberg tribunal that prosecuted Nazi war criminals.
The suspects were indicted after prosecutors analyzed a vast network of telephone records to link an "assassination team" to the suicide truck bombing on a seafront boulevard.
The indictment says the records showed "a coordinated use of these phones to carry out the assassination." According to the records, there was a flurry of calls shortly before Hariri's murder, but they stopped two minutes before the explosion and the phones were never used again.


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How can I forgive someone who keeps hurting me?
The freedom of letting go.
Why doesn't God stop people from hurting others?
How is "confession good for the soul?" What is Biblical confession of sins?
How far are you willing to go in destroying your life with an addiction?
Sin ruins your life – Who is powerful enough to forgive and renew you?
God has given us eternal life, and this life is in his Son. Whoever has the Son has life; whoever does not have the Son of God does not have life.
- 1 John 5:11


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Guess What The Filithiest Item In The Average Houshold Is
Holiday season and cooking go hand in hand, especially here in the Northland. We like to eat, and plenty of it. With that comes dirty dishes, pots n pans, utensils, spills, and counter tops and stoves that need a good cleaning.


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TiVo may have cracked the mystery of who gets kicked off and who doesn't. Company insiders say they can predict who's not connecting by TiVo usage.
Here's the deal. In a sample of 20,000 users, TiVo monitors traffic -- which contestants get replayed (a sign of popularity) and which one's get fast-forwarded.
You think it's bogus? Well, the TiVo system has nailed who got booted four weeks in a row.
And who does TiVo say is getting the ax tonight? Poor Syesha. Take it to the bank, people.
Tabitha from "Bewitched": 'Memba Her?!
Erin Murphy played little Tabitha Stephens on the '60s supernatural TV series, "Bewitched." Guess what she looks like now!
Hollywood Meatheads!
D.I.L.F.s ... Dudes we'd like to, ummm, er, see in more films? Yeah that's it! Click to see the buff boys of summer in all their manly glory.
K-Fed's Kids: Can't We All Just Get Along?
It's a modern-day Brady Bunch. Where's Alice when you need her?
On an outing at the L.A. Zoo yesterday, Kevin's mama Julie had her hands full with the half-siblings, SPF and JJ from Britney and Kori and Kaleb from ex Shar Jackson ... though having a full-time nanny and bodyguard around can't hurt.
School Death Plot Targets ... Chuck Norris?!?
New Jersey cops have arrested two high school students after a teacher found a so-called "hit list" that targeted tough guy actor Chuck Norris. Holy Walker, Texas Ranger!
The students, both juniors at Pennsauken High School, didn't have any weapons on them. The note reportedly included the names of three students and, randomly, Norris.
The boys claim the list was a joke and the local prosecutor says "At this point we believe that this student did not pose any serious threat to any of the people on the list, especially to Chuck Norris." No sh*t.
Larry Craig Interns -- You're My Duty
The site lays out his (wide) stance on intern work: "I prefer to offer a more diverse experience -- probably because I walked in their shoes back in 1969." Yes, he mentioned "shoes." It gets better: "Interns have the opportunity to gain a solid understanding of the inner-workings ... through hands-on experience." Our italics.
But remember: "Each participant is also assigned a variety of legislative duties." Duties: Those were his words.
Holy Moley!
The mole sees and hears everything in Tinseltown ... especially when it's on your face! Some stars choose to rid themselves of the unsightly skin discoloration -- while others make the most of their blemish.


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Oakland Raiders quarterback Matt Flynn can be forgiven if he feels a sense of deja vu following Friday night's 34-26 preseason loss to the Chicago Bears.It was a year ago this week that the Seattle Seahawks named Russell Wilson their starter, sending Flynn to the bench.
Flynn might be awaiting the same fate after he was thoroughly outplayed by Terrelle Pryor. Carrying the imprimatur of general manager Reggie McKenzie and the anointing oils of coach Dennis Allen, Flynn had to face plant in the third preseason game to leave the door open for Pryor.
That's exactly how it went down. Flynn's offense was a "debaculous fiasco," falling behind 27-0 by late in the second quarter while inviting a chorus of boos and "Pryor!, Pryor!" chants from the home crowd.
After a rocky first series, Pryor proceeded to light a fire under the previously lifeless Raiders. Making plays with his legs and his arm, Pryor led four scoring drives to bring his team within one score of the Bears in just over a quarter of action.
Allen will review the film before deciding on his Week 1 quarterback.
"We gotta look at it. Don't think Matt Flynn played well," Allen said after the game, via the San Francisco Chronicle. "Terrelle gave us a spark. We're not going to make any decision tonight."
It's already evident that this roster simply doesn't have the talent to stay competitive most weeks. Does it behoove the organization to stay loyal to a game manager like Flynn when the defense can't keep the opposing team out of the end zone?
A similar situation played out in Green Bay, albeit on a lesser scale.
Packers coach Mike McCarthy gave Graham Harrell a plum opportunity to nail down the No. 2 job, inserting last year's backup into the game with the first-team offense after only one series for Aaron Rodgers. While Harrell managed just 3.8 yards per attempt and failed to lead a single scoring drive in five opportunities (including four with the first-team offensive line), Vince Young threw up a 130.7 passer rating and 39 rushing yards while adding a much-needed dash of excitement in two series.
Most importantly, Young looked comfortable running McCarthy's offense less than three weeks after signing.
"I think Vince is definitely one of the players who took advantage of his opportunities tonight," McCarthy acknowledged after the game.
If Rodgers goes down with an injury, the Packers seem set with Young since they are releasing Harrell, NFL.com's Ian Rapoport reported Saturday.
Here's what else we learned during Friday's two preseason games:
Seattle Seahawks 17, Green Bay Packers 10
1. DuJuan Harris brushed off the knee injury that knocked him out of the game in the second quarter. Harris looked rusty as the Packers' starting running back while Eddie Lacy had nowhere to run against the Seahawks' starters pinning their ears back with no concern for Harrell's arm. We still expect Lacy to lead this backfield in carries even if Harris enters the season as the starter.
2. Packers rookie left tackle David Bakhtiari had an uneven performance for the second consecutive week. He was called for a holding penalty that nullified an 11-yard Lacy run and later was beaten inside, leading to a tipped pass.
3. Seahawks rookie Christine Michael returned from a back injury to total 123 yards on 12 touches, trucking Packers defenders like he was Marshawn Lynch. It's already evident that Michael is a more talented runner than Robert Turbin in what is emerging as the deepest backfield in the NFL. Michael, the No. 62 overall pick in the 2013 NFL Draft, is averaging nearly 7 yards per on 27 preseason carries.
4. Jermaine Kearse seemingly came out of nowhere to steal the show for the Seahawks in last week's 40-10 victory over the Denver Broncos. This time, it was former Arizona Cardinals training-camp sensation Stephen Williams, who hauled in a beautiful 42-yard touchdown pass from Brady Quinn. This roster is deep everywhere.
Chicago Bears 34, Oakland Raiders 26
1. The Raiders' beleaguered first-string offensive line had no prayer of keeping the Bears' defense out of the backfield. Flynn was under constant duress, and running back Rashad Jennings failed to top 3 yards per carry while filling in for Darren McFadden.
2. Thriving behind a revamped Bears offensive line featuring rookie starters at right guard and right tackle, Matt Forte is averaging a gaudy 9.93 yards per carry in three preseason games. Forte appears to be quicker this season than last. He'll be a focal point of the offense for coach Marc Trestman, who traditionally has leaned heavily on his lead back in the passing game. The coaching staff is different, but Michael Bush remains the goal-line back of choice.
3. Raiders wide receiver Rod Streater left with a head injury following a collision with two Bears defenders. Seventh-round sleeper Brice Butler didn't have a single reception after starring in the first two preseason games.
4. Tookie quarterback Tyler Wilson, a fourth-round draft pick, is in danger of not making the Raiders' roster. Still stuck behind undrafted rookie Matt McGloin, Wilson never left the bench Friday night. He's persona non grata.
5. In his first game action since nearly dying on the field last season, Raiders rookie cornerback D.J. Hayden squared off against Brandon Marshall. Hayden held his own with a pass breakup, and Marshall dropped three passes.
6. Former All-Pro kick returner Josh Cribbs appears to have left his speed on the operating table. The Raiders are better off with Jacoby Ford returning kickoffs.
Josh Cribbs is one of the toughest football players I've ever been around but he's completely lost his fastball.â Daniel Jeremiah (@MoveTheSticks) August 24, 2013
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Competition Not Regulation Keeps Trash Costs Low
An editorial published in the May 30 issue of the Business Journal headlined "L.A.'s Current Trash System Is a Big Heap" was so riddled with inaccuracies that it begs a response.
And we can start with the headline. It is disingenuous to trash the city of L.A.'s waste collection and recycling programs when the city is in fact recognized as a national leader.
The standard by which all California municipalities are judged is a state law that requires municipalities divert 50 percent or more of their waste from landfills. The city of Los Angeles far exceeds this – currently diverting more than 65 percent of its waste from landfills, achieved from groundbreaking programs aimed at multifamily apartment recycling (about 750,000 multifamily units are in the city), food waste recycling for restaurants, and specialized commercial recycling developed by industry and our business customers. It's far from the "Wild West" as claimed in the op-ed. All this is based on comprehensive and highly audited city reporting.
Special interest groups seem to want to stir the L.A. waste collection pot to benefit themselves; however, in reality, the pot is already being stirred and necessary new ingredients are being added. Our city's stated goal is to reach 70 percent diversion by 2013. Given this rapid progress, this goal appears to be attainable next year. From here, the ultimate goal is "zero waste" by 2020 and city-adopted long-range programs are already bringing results.
For example, the Recovering Energy Natural Resources and Economic Benefit from Waste for L.A. program was adopted several years ago and the Solid Waste Integrated Resources Plan is almost ready to launch after years of grass-roots community meetings. A key part of this long-range planning is alternative technologies to convert waste into clean-burning gases that provide power and reduce landfilling.
Again, state law is changing the waste collection recipe. In 2006, the Global Warming Initiative, AB 32, was passed in California, and all municipalities will have to create a franchise agreement for waste haulers that collect commercial waste. The intent is to require various materials be recycled and set collection standards, many of which are left to each municipality to design and implement. Yes, commercial waste collection franchising is coming to Los Angeles. The question is: How will the franchise agreement be designed?
Special rules
Currently in Los Angeles, 140 waste haulers are permitted, serving one of the largest concentrations of commercial business in the nation. Most haulers are small businesses, many of which have been family operated for generations. Our industry has invested tens of millions of dollars in clean trucks and the use of alternative fuels. Solid-waste industry fleets have special rules and already are the cleanest in the nation. The industry should be commended, not attacked, for its huge investment over the past years in clean technology. Calling the industry "dirty" is a misrepresentation that ignores the facts.
For reprint and licensing requests for this article, CLICK HERE.
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Sentences for rapists and other sex offenders in England and Wales could become tougher to recognise the long-term psychological harm they cause.
The Sentencing Council also suggests judges could give longer sentences to offenders who film their victims.
In a new consultation, the body says judges should closely consider the complex and damaging effect that a crime has on a victim.
The proposed new guidelines cover virtually all sexual offences.
The Sentencing Council is responsible for trying to ensure consistency in criminal sentencing across all courts in England and Wales and it draws up complex guidelines to assist judges.
The council said that its proposed guidelines for sexual offences aim to update the way the courts deal with 54 crimes, to take into account the tactics and technologies used by offenders, as well as the long-term damage done to a victim.
The guidelines cover almost every sexual offence that is recognised in the UK, from voyeurism to rape, and, if adopted, would play a key role in dealing with people convicted of historic allegations of sexual abuse when victims have come forward decades after the event.
In the 14-week consultation, the council said that judges should be able to send offenders to jail for longer where modern technology proves to be an aggravating factor in increasing the victim's suffering - such as filming abuse of a sexual assault and then distributing it to others.
Judges are concerned that they have seen a worrying increase in the number of cases where rapists have filmed their attack and the victim.
Previously the focus in sentencing has been largely on the physical act of the crime, such as which part of a body was violated, because the law defines each individual offence in a quite technical way.
The council's new guidelines make clear that this form of sentencing does not take sufficient account the potentially catastrophic long-term effect on the victim.
Increased sentences
Under the new guidelines, judges would also be able to jail those guilty of so-called "one-off" rapes for a maximum of 19 years, a sentence that is currently only for offenders who attack more than once.
Judges can also take into account the behaviour of an offender before the specific offence, such as whether they use drugs and alcohol as part of their targeting.
Sentencing for sexual offences against children should also look at how the victim has been groomed or whether the assailant was in a position of trust.
Lord Justice Treacy of the council said: "We're improving guidance for courts to help them deal with these incredibly complex, sensitive and serious offences.
"The perspective of victims is central to the council's considerations. We want to ensure sentences reflect everything the victim has been through and what the offender has done.
"We are looking at the whole context, not just the physical offence but also the tactics employed by offenders like grooming activity, the targeting of vulnerable victims or abuse of a position of trust.
"No one wants more people becoming victims, so protecting the public is a vital part of our proposals, whether this is by jailing offenders or through rigorous treatment to stop them reoffending."
Psychological impact is already taken into consideration in assault and burglary guidelines, but Lord Justice Treacy told BBC Radio 4's Today programme that "current [sexual offence] guidelines don't concentrate enough on the perspective of victims".
Sense of responsibility
Sexual violence campaigner Jill Saward, who was raped by two burglars who broke into her home in Ealing, London, in 1986, welcomed the proposals.
"For too long, the impact that [sexual violence] has had on victims has been neglected in the whole justice process," she said.
In the aftermath of her attack, she saw a psychotherapist, a psycho-analyst and psychiatrist, but that was not mentioned in court, she said.
At the sentencing of her attackers, Mr Justice Leonard said that her trauma "had not been so great" - a comment he was censured for and apologised for later in his life.
"That reflected how little understanding there was. I'd been suicidal three times, I'd had post-traumatic stress disorder, which wasn't really recognised then," she said.
She added that victims often felt a sense of responsibility to other potential victims, and were relieved when their rapist was locked up for a long time, thereby preventing further attacks.


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Pre-Seasoned Frozen Chicken
When I buy chickens, I immediately cut them up and coat them with my family's favorite seasoning mix. I freeze the individual pieces on waxed paper-lined baking sheets. When the pieces are frozen, I place them in a heavy-duty resealable plastic bag. On mornings when I know I'll have a busy day, I take out as many pieces of chicken as needed and thaw them in the fridge. When I get home, it's a snap to pop them in the oven to bake while I prepare the rest of the meal. —Lise T., Magrath, Alberta
© 2019 RDA Enthusiast Brands, LLC


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Former Qwest CEO Joseph Nacchio served a 64-month prison sentence that recently ended with his release. (Nacchio served time following conviction on 19 counts of insider trading. The convictions were reversed by a panel of the Tenth Circuit and reinstated by the full court.) The Wall Street Journal reports on Nacchio's time behind bars in "Tales from a white-collar prison sentence" by Dionne Searcey (behind the Journal's jealously guarded paywall, with an accessible post by Searcey here). Searcey got the first post-prison interview with Nacchio.
It's an interesting article. One of the subjects touched on is the transformation of Nacchio's physical appearance in prison. Nacchio thinks he has come to resemble actor Edward Norton; I think he bears an uncanny resemblance to Breaking Bad's Walter White.
As a matter of fact, in prison Nacchio made friends with drug offenders like White, referred to in the article as Spoonie and Juice. Spoonie is quoted giving a testimonial to Nacchio: "Joe was right down to earth," said Spoonie, "who asked that his real name not be used because of the stigma his drug-conspiracy conviction carries." Spoonie could serve as a reference for Nacchio:
Spoonie, 45, said other white-collar offenders were "just all full of themselves," and stereotyped inmates such as himself and Juice, another drug offender, because of their tattoos and crimes.
"We are like best friends now," he said, adding that Mr. Nacchio's prison nickname was "Joe-ski-luv," because he's been married to the same woman for more than 30 years. "If he ever needs a lung or a bone, I'm there."
The Journal also touches on humor in the big house:
Mr. Nacchio and his prison mates found humor in their situation. They liked to play practical jokes on the "newbies"—white-collar offenders new to prison camp.
Mr. Nacchio would sit quietly beside them the first time they entered the TV room. Spoonie and another inmate would burst in and pretend to jump Mr. Nacchio, whaling on him with fake kicks and punches as he begged them to stop.
I think you might have had to be there.
The article also touches on an angle out of current news:
Mr. Nacchio said he still believes his insider-trading prosecution was government retaliation for rebuffing requests in 2001 from the National Security Agency to access his customers' phone records. His plans to use that belief as a defense at trial never materialized; some of the evidence he wanted to use was deemed classified and barred from being introduced.
To Mr. Nacchio, the revelations of former NSA contractor Edward Snowden, who leaked documents saying the agency monitors the email and phone records of Americans, have justified his own stance. He contended the NSA's request was illegal. "I feel vindicated," he said. "I never broke the law, and I never will."
An NSA spokeswoman declined to comment.
The Journal adds that Nacchio is shopping two books to publishers: "One will be about what he says is Americans' loss of liberty based on his experiences with the NSA and other agencies. Another will be based on his incarceration and is 'a little bit like Woody Allen and Mel Brooks go to prison.'"


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Pau d'arco is a native plant from South America that has been used for centuries in herbal medicine with the earliest record of medicinal use tracked in 1873. With the scientific name Tabebuia avellaneda, it provides a wide variety of treatments to a number of health issues like arthritis, pain, fever, boils, ulcer, prostate gland inflammation, dysentery, and some types of cancer. The plant also has a number of names like Taheboo tree, LaPacho and Ipe roxo. People from that century already know how to make organic pau d arco herbal tea for a simple home remedy.
According to an article posted in the Exhibit Health and as reported by Dr. David Boothman from Harold C. Simmons Comprehensive Cancer Center, the active and natural chemicals in Pau d'arco are naphthoquinones called lapachol and beta-lapachone. Organic pau d arco tea health benefits and side effects may come as a result of the compounds moving its way through the body's system.
These compounds were observed to disrupt the ability of cancer cells to replicate, killing of bacteria, viruses, fungi and parasites. Researchers even believed that it possesses some anti-inflammatory properties making it a good treatment for pain and swellness.
The Global Healing Center reported the effect of the plant to candida. Pau d arco tea as potential treatment to candida has been known to provide relief for vaginitis by using it as a therapeutic douche. This was a very informative research by scientists from Spain and Brazil as they noticed a similar toxicity to yeasts and fungi. They believe that Pau d'arco is among the top herbs that provides cure to a number of infections.
With the number of people suffering from cancer, many are trying to find a healthier treatment option like herbal medicine. Some have read and asked, "Is pau d arco tea good for cancer prevention?" That's definitely a yes. Researchers have already seen its wonderful fighting ability against cancer cells that was mentioned in the Underground Health Reporter. Furthermore, it is able to lower the risk of heart disease and obesity.
How to Prepare Pau d'arco Tea
The part used in the plant for herbal medicine is the heartwood and the bark. The easiest preparation was outlined by Richard Whelan. He said that you need two cupfuls of the plant bark that will be boiled in a liter of water for 20 minutes. It will then be allowed to cool for at least an hour, and then strained to remove the solid bark. The result will be a very strong tea that should be diluted or divided into smaller doses throughout the day.
Watch this Video About Pau d'arco herb Health Benefits & Side Effects
The post What Makes Pau d'arco a Healthy Tea appeared first on Bilberry Tea.


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Alcoholic beverages are permitted in the lounges on the fraternity and sorority floors based on the following guidelines. These guidelines are meant to be in place for casual living situations and not for formal events sponsored by the chapter where alcohol is to be present, in these cases please refer to the College's Social Events Policy.
In addition to sanctions that may be levied on individuals who are in violation of this policy, the fraternities and the sororities of Lycoming College will be held fully accountable for all violations occurring in the lounge areas. Chapters should also be mindful and knowledgeable of any pertinent National Office policies (where applicable) involving the possession and/or use of alcohol on their floors and lounges.
The following policy has been developed to benefit the entire Fraternity and Sorority community at Lycoming College, as well as the personal development and academic achievement of individual Fraternity and Sorority members. Through a working partnership, the College and the Fraternity and Sorority community can, with these guidelines, insure that Fraternity and Sorority chapters are strong, responsible, and respectful of individual members.
Although each sorority and fraternity has developed its own unique program of the new member process, associating, or affiliating these programs must meet the standards established by Lycoming College and as further developed by Pennsylvania State law. This policy serves officially to complement the statements on hazing found in the Lycoming College Student Handbook and in the Fraternity and Sorority Leaders Manual published by the Office of Student Involvement. As a current or intended member of a Fraternity and Sorority chapter, students should be aware of this policy and its legal, ethical, and contractual implications. Further, students should be prepared to challenge and question any activity that could violate this policy or the College's Hazing Policy.
Monday – Thursday 9:00 a.m. – 12:00 midnight
Friday & Saturday; 9:00 am – 1:00 am
Sunday 9:00 a.m. – 12:00 midnight
This includes all activities formal or informal, whether occurring on or off campus. Exceptions may be approved, when appropriate, by the Assistant Director of Student
Programs and Leadership Development if submitted in writing by the Chapter President no later than seven (7) working days prior to the anticipated event.
*Exceptions may be made by the Assistant Director of Student Programs and Leadership Development.


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Keeping tabs on local athletes competing in college.
Lonnie Kauppila (Burbank High, 2010) junior infielder, Stanford University baseball: The former Bulldog has bounced back nicely after missing the final two months of his sophomore season last year with a knee injury.
That injury cut short a productive season in which Kauppila hit .280, scored 16 runs, drove in 13 runs and had a .920 fielding percentage at second base and shortstop.
This season, he has seemingly picked up where he left off. Heading into a weekend series against Utah to open Pacific-12 Conference play, Kauppila — who was taken in the 44th round of the 2010 Major League Baseball First Year Player Draft by the Oakland Athletics — had a .263 average with 10 hits, seven runs scored, four RBI and a .938 fielding percentage.
The Cardinal, ranked No. 17 in the nation, heads into the weekend series with a 10-5 record. Stanford won nine straight games before being swept two weeks ago at home by UNLV. Heading into that series with the Rebels, Stanford was 7-0 at home in 2013 and had won 11 straight on its home turf dating back to last season.
Rishonda Napier (Bell-Jeff High, 2012) freshman guard, Southern Illinois women's basketball: The former high school All-American candidate proved she could play at the next level by enjoying a fine first season with the Salukis.
Southern Illinois saw its season come to an end March 15 with a 60-43 loss to Creighton in the quarterfinals of the Missouri Valley Conference Tournament. The Salukis (5-26, 1-17 in the Mid-Valley Conference) set a new program record for fewest points in a half with nine in the opening frame and trailed 22 points at the half.
Napier scored 20 points in the loss to lead the Salukis.
Napier started 26 of the team's 30 games and ended the season averaging 11.3 points a game, which was second-best on the team. In addition, she averaged 2.6 rebounds and 2.5 assists.
Amanda Keith (Burbank High, 2010) senior, Brigham Young University, women's golf: It has been a productive final collegiate season thus far for the former All-Area selection.
Keith helped the Cougars to a fifth-place finish Tuesday at the BYU at Entrada Classic in St. George, Utah.
BYU shot a final round 313 (+25) and 54-hole total 920 (+56) to finish seven strokes behind fourth-place Cal State Fullerton (+49) and 32 strokes behind tournament champion Wisconsin (+24). The fifth-place finish in the 15-team tournament at the Entrada at Snow Canyon course marks BYU's best finish of the season.
"A lot of positives," BYU Coach Carrie Roberts said on the university's website. "The girls hung in there well. We know what we need to do better. We're going to work hard for the next tournament and see if we can improve upon it."
Keith had a strong final round, closing out the final 18 holes with a six-over-par 78. Keith made two birdies on the day and finished the tournament tied for 16th place on the individual leaderboard at 14-over-par.
Last month, Keith shot a final round 75 (+3) to solidify an eighth-place finish for BYU at the UC Irvine Invitational at the Santa Ana Country Club. Keith had a consistent final round, making two birdies and finishing the tournament with seven birdies. She ended in 16th place after strong play in the second and third rounds and shot 13-over-par on the tournament.
Margeaux Gupilan (Bell-Jeff High, 2010) junior, University of Buffalo, women's basketball: Gupilan, who helped the Guards to a state championship in 2009, played herself into a starting position for the Bulls this season.
Unfortunately for Buffalo, its season ended March 14, but not before nearly pulling off an upset of third-seeded Akron in the quarterfinals of the Mid-American Conference Tournament. The Bulls lost to Akron, 83-79, in a game that featured 15 lead changes.
Gupilan had 14 points, six rebounds and seven assists in the loss.
On the season, Gupilan started 28 of 32 games and averaged 6.3 points, 2.3 rebounds and four assists a game.
Buffalo graduates just one senior from a team that went 12-20 (8-8 in conference).


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You've spent the last five years buried in books about ancient Chinese civilization, literary composition and the physical properties of the atom. And you've got the diploma to prove it.
No more finals or midterm exams.
As you celebrate your worthy achievement, be sure to keep your thinking cap close at hand—your biggest test is yet to come.
Indeed, recent college grads face a unique financial challenge.
The average graduate enters the workforce with nearly $24,000 in student loans,according to the nonprofit Project on Student Debt, an entry level salary that barely covers the bills, and a firestorm of immediate expenses, including a security deposit for an apartment, a car, furniture and a new professional wardrobe. (Hey, you can't live in sweats forever.)
That doesn't include the average $4,100 thee average graduate owes in credit card debt, according to SLM'sSallie Mae, the nation's largest student lender, nor any big-ticket items for which degree-wielding young adults might need to begin saving—a wedding, mortgage down payment or graduate school down the road.
It's a big challenge to say the least, doubly so for 20-somethings who haven't had practice with money management skills.
"The biggest mistakes happen right out of college because that's the time when they want the new car, the Pottery Barn furniture, the 2 bedroom apartment—all of those things that they've denied themselves for so long and now want to live the way they want to live," says Pam Boyce, a financial planner with Garrett Financial Network and a professor of personal finance at Michigan State University in East Lansing. "They don't realize that their money doesn't go very far and it's hard for them."
Don't Just Sit There
First things first, though.
Before you can even think about managing your income, you need to get hired. In today's tough job market, that can take months.
"If you can't find a job right away, one way to differentiate yourself is to call the executive directors at the largest and most successful nonprofit organizations, which are all looking for help amid constrained budgets, and ask if you can volunteer for an unpaid internship," says Larry Ginsburg, a certified financial planner with Ginsburg Financial Advisors in Oakland, Calif. "What you want in exchange for your contribution of time and skill is the professional reference and resources to help you get a job."
Prospective employers who see volunteer work on your resume will be impressed that you took the opportunity while job hunting to contribute to your community rather than play the Wii.
"It won't necessarily pay immediate dividends, but it will invariably become important capital over time," says Ginsburg.
Time For A Budget
After you land a job and know what your take home pay will be, it's time to develop a budget.
According to Boyce, standard income allocation models don't resonate well with students, and for good reason.
"Their parents and grandparents are always saying, 'Oh, you have to budget' but they don't know what that means," she says. "Everyone is in a different boat with their debt and savings. How much they should pay for a car or an apartment is different for everyone depending on their values."
A better strategy, says Boyce, is outlined in a book called "All Your Worth: The Ultimate Lifetime Money Plan," by Elizabeth Warren, now acting director of the Consumer Financial Protection Bureau, and her daughter Amelia Warren Tyagi, which breaks out after-tax money out into three distinct buckets.
Fifty percent of one's income gets allocated towards necessary expenses, like housing, car payments and student loans.
Another 30 percent goes to the "wants" category, like clothes and entertainment, while the remaining 20 percent goes to short- and long-term savings.
Debt And Saving
If you don't have enough to cover your "needs" category, you'll have to borrow from your wants category—or become more modest about your housing accommodations or car selection.
Just be sure to leave some disposable income for yourself.
An overly aggressive budget that leaves little room for entertainment is not sustainable, and a good way to derail your budget.
"Most of my students look at that 30-percent category and say, "Oh that's plenty for me. I just want a pedicure and gym membership,' but when they start doing the computation they realize it's not very much," says Boyce.
Using such a framework, says Boyce, grads are better able to prioritize.
"You can't have everything. You have to decide what you want to splurge on," she says. "If you have big students loans that take up a large portion of that needs category, then I'm sorry. You can't also have a nice apartment and a nice car and nice furniture right away."
Such a budget might also make recent grads realize (albeit begrudgingly) that the best solution is to move back home with mom and dad until they build a work-appropriate wardrobe, save for a down payment on a car or pay off credit card debt.
Pay Down Credit-Card Debt
Indeed, dealing with high-interest debt is a priority.
Conventional wisdom dictates that consumers should keep their debt-to-income ratio (excluding your mortgage or rent payment) to between 16 percent and 19 percent.
If you have multiple credit cards with a balance, start by paying as much as you can towards the account with the highest interest rate, making minimum monthly payments on the other cards to avoid any fees, says David Haugen, a certified financial planner with Ameriprise Financial in Tulsa, OK
When the first card is paid off, direct those dollars towards the second most costly card and so on until you're debt free.
Then, continue paying off any balance you accrue monthly, which helps establish (or repair) your credit history—important in determining interest rates for future loans.
Student-Loan Deferment
Paying off your student loans ahead of schedule is an admirable goal, but don't be concerned if you're not in a position to make extra payments right away.
Depending on how your job search goes, in fact, you may not be able to make the minimum monthly payment at all.
Fortunately, federal student loans are flexible.
Most have a standard ten-year repayment plan, but if you borrowed under the federal Stafford Loan program (either the Direct or Federal Family Education Loan programs), you've got a six-month grace period after you graduate before you have to start paying it back.
You get nine months for federalPerkinsloans.
But you can lower your monthly payments by extending your payment plan with a fixed annual or graduated repayment amount over a period not to exceed 25 years—though you'll ultimately pay more for your loan because of the interest that accumulates during the longer repayment period.
If that's not enough, you may qualify for deferment, which allows you to temporarily suspend payments on your loan due to unemployment, economic hardship or re-enrollment in school.
Forbearance is also another option for those who qualify, which is a temporary postponement or reduction of payments for a period of time because of financial difficulty.
And finally, there's the income-based repayment, IBR, plan, which sets payment caps based on your income and family size.
Each repayment plan has its own eligibility requirements.
Emergency Savings Fund?
As you dig your way out of debt, you should also start building an emergency fund for bouts of unemployment or unexpected medical expenses down the road.
But different schools of thought exist on how you should save.
Some financial planners suggest putting an immediate $1,000 away into an emergency fund to create a financial safety net and then paying off your credit card debt.
At that point, they suggest, you can refocus your efforts on building your emergency fund even higher.
Others, Boyce included, disagree.
"I say you've got to get out of credit card debt before you can start saving," she says. "Technically, you are still a saver when you're paying off debt. You're saving yourself all those interest payments."
Whatever approach you choose, your ultimate goal is to save three to six months worth of living expenses into a liquid (accessible) interest bearing account, like a money market fund, or CD – up to a year's worth if your job security is in question.
Retirement? Already?
While retirement may seem like a low priority, given your age and financial plight, it's important to get into the habit of saving right away, notes Ginsburg.
If your cash flow allows, he says, the newly hired should immediately allocate a minimum of five percent (ideally 10 percent) of their gross pay to a tax favored 401(k) or IRA.
At the very least, contribute enough to get the employer match if one is offered at your job – lest you leave free money on the table.
"They need to become accustomed to saving no less than 10 percent of their gross compensation and making sure their lifestyle is structured so they can live on 90 percent of their after tax compensation," says Ginsburg. "Even with all the ups and downs of the financial market, the power of compounding is enormous when you start saving early."
As you begin the next chapter of your life, remember, the goal is financial freedom.
By developing good spending habits now, you'll be giving yourself the gift of an angst-free future—at least where money management is concerned.
"Consistency of financial behavior will enable these young people to move towards financial independence," says Ginsburg.


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Contact Detail
Paschim Banga Vigyan Mancha, All India Peoples Science Network
Kolkata, West Bengal, India
Email Please login to view this email
Tel 91 033 24351640
Sector:Community Groups
Organizations:All India Peoples Science Network
IYC Interests:Increase the public appreciation and understanding of chemistry
Encourage interest of young people in chemistry
Generate enthusiasm for the creative future of chemistry
Celebrate the role of women in chemistry
Web Site:http://www.pbvm.org.in/
Aims & Objectives
To make the people conscious about the utilization of natural resources for the interest of the society.
To inspire about the uses of Science & Technology in daily life.
To develop the awareness of the people about environment, Public health etc. To educate the people about the harmful effects of different products which are produced or made by the monopoly capitalist of our country and abroad, specially by Multinational Corporation.
To encourage innovative, fundamental, scientific research and developments.
To continue the struggle for scientific education in mother tongue.
To launch movement against fundamentalism, superstition and unscientific ideas.
To oppose the implementation of any technology that is against the interest of society.
To create movement for peoples oriented science and technology policies.
To publish popular science magazine, science related books, monographs, pamphlets, etc regularly.
To take necessary program against the use of science and technology in war to destroy the human civilization.
To implement the projects and programs for the attainment of self-reliance of the country and to help reach its benefits to the people.


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Israel News - Stay Informed, Pray Informed
The Arab League has thrown its weight behind a new proposal to unilaterally seek UN recognition of a sovereign and independent Palestinian state. That according to Palestinian Authority officials who spoke to The Jerusalem Post on Wednesday.
Last year the Palestinian leadership attempted a similar stunt, which is in fact a violation of its signed agreements to only establish statehood via a comprehensive peace treaty with Israel. But the move was stymied when the Palestinians failed to gain the support of at least nine UN Security Council member states.
This time, the Palestinians intend to go directly to the General Assembly, where the proposal is all but certain to win majority support. While the General Assembly can only recognize "non-member states of the UN," such a recognition would in effect mark the independence of a "State of Palestine."
Palestinian officials said the motion will likely be filed by the end of the year.
Meanwhile, the World Bank cautioned on Wednesday that establishing an independent Palestinian state at this time would be a mistake.
A report issued by the bank noted that the Palestinian economy is incapable of independence while it continues to rely so heavily on donor funds, and while its private sector remains only a minor part of overall GDP.
And outside of a bilateral peace agreement with Israel, neither of those problems are likely to change, the report concluded.
At present, a majority of the Palestinian workforces is employed by the Palestinian Authority, while unemployment numbers are through the roof. Additionally, the Palestinian-controlled territories still heavily rely on Israeli infrastructure for many basic services.
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Innuuendo was a science fiction fanzine by Terry Carr and Dave Rike.
Innuendo was published in the mid 1950s in the U.S.A till 1960, when the fanzine ceased publication. After Terry Carr's death, issue 12, which he had begun when still alive, was published in 1990 by Jerry Kaufman.
Innuendo features writing by Greg Benford, Carl Brandon, Carol Carr, Sidney Coleman, Calvin Demmon, Dean Grennell (Filler, Grue), Arnie Katz (Vegas Fandom Weekly), Ray Nelson, Elmer Perdue, Tom Perry (Trumpet), Harry Warner, Jr. (Horizons), Ted White, Walt Willis and Susan Wood (Aspidistra).
Artwork was by Hannes Bok, Grant Canfield, Ronald Clyne, Cynthia Goldstone, Lee Hoffman (Quandry), Joy Kinney, Trina Robbins, Bill Rotsler, Dan Steffan (Boonfark), Steve Stiles, ATom (The ATom Anthology), and Bjo Trimble.
Innuendo was the fanzine in which Terry Carr and Peter Graham presented "Carl Brandon, Jr." a fictitious fan of color, in order to address issues of race within the science fiction community.
Later, fans created the Carl Brandon Society.
Terry Carr had previously published Klein Bottle from 1959 till 1960 with Miriam Carr, and also published Lighthouse.


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text: David Mathog wrote: > Interesting question that, how else might this be done? > > I wonder if one couldn't set up a single modern computer, > with a fast CPU and tons of memory, as N virtual machines, for > instance using VMware, and then run a sort of virtual cluster? Ouch... VMWare is really nice, but the VM slows things *way* down. > Obviously there wouldn't be any performance advantage to doing > this but it might allow the subject to be taught when a real > clusters isn't available. Not sure of the performance impact of this, but you could look at OpenVZ or Xen as well (when it is ready). Something like this is probably the way folks may go anyway so you can boot a cluster of any flavor from a good base load (OpenVZ'ed Warewulf anyone?) > Presumably VMware already has some method for handling the network > needs of each virtual machine, although I'm guessing it might Yes it does. > not extend all the way to a DHCP boot emulation. There would also It can in theory do that as well. I stopped using my copy of VMware in the 4.0 days. It is up to 5.5, so it might be quite a bit better. I went back to dual boot because of the speed. > need to be some sort of peculiar performance measurement system > at the VMware level since it would have to pretend that the > N machines running sequentially were actually working in parallel, > and report performance as if they had been. Would be hard. Should just get a dual dual-core machine and run a virtual process per core. Gives you a cluster of 4 nodes. Of course, why do that when you have this beautiful 4-way SMP... Sometimes it is better to "just say no" to distributed computing, and this is one of the cases :) > Seems doable. Maybe even worth doing so that this subject could > be more easily taught. I find that students have no trouble launching 4-8 threads on a single node to test code, and then have them run it on the real cluster/SMP using MPI. For OpenMP they are more hindered by the lack of free tools (there are multiple free MPI tools, no free OpenMP tools that I am aware of... discounting the "free" Intel compilers which cannot be installed on a teaching cluster due to the license which prevents *paid* teachers from installing it for free on a teaching cluster). > Regards, Joe (teaching a course on MPI/OpenMP application programming right now) -- Joseph Landman, Ph.D Founder and CEO Scalable Informatics LLC, email: landman at scalableinformatics.com web : http://www.scalableinformatics.com phone: +1 734 786 8423 fax : +1 734 786 8452 cell : +1 734 612 4615


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Blaze1213IsBack 発言しました …
I actually been wanting to watch this 表示する but I keep procrastinating but I really 愛 the humor lol. 投稿されました 1か月前
|もっと見る 魔術師 merlin (bbc) アンケー >>
|もっと見る 魔術師 merlin (bbc) 回答 >>
I think we can all agree that if there was a Universal Declaration of ファン Rights, the right to ship whomever and whatever we want, no matter how strange, disturbing and/or ridiculously adorable the pairing, would be at the very 上, ページのトップへ of that list. Shipping, especially when in regards to non-canonical couples, often reflects what we as individuals desire in relationships, and our own subjective 閲覧数 of what would be cute, sexy または funny to see in a romantic pairing. However, shipping isn't something that is simply based on our own individual 閲覧数 and desires alone. Fandoms are essentially...
1- In 2x10 she choosen to save her sister over kill Uther; because if she was "pure evil" like her haters say, she could sacrifice her sister and kill Uther (but she don't, and she could do it if she wanted because is a powerful woman, but no, she prefer to save her 愛 sister when Merlin "good guy" abondoned/poisoned Morgana);
2- she could be villainess, but she is loyal to persons that loves:
When Morgana was afraid without nobody to help her, who's in her side? Morgause. When Morgana was a overrated, who's respect her for herself? Morgause. And who's protect her when even...
With Merlin something I personally came to realize is that good and evil in this 表示する is far from black and white. Many seem to agree that the good guys truly are the good guys and the bad guys are the bad guys. I have a different take; I feel like the villains really aren't that bad, they just want some security...some safety...the ability to be themselves. And some of the good guys (yes my finger is pointed at あなた Uther) aren't really all that good.
First and foremost, all the villains seem to just not want to be persecuted. Nimueh being the prim example. This woman just wanted...
5. Merlin
Merlin I think has this different sort of handsomeness. He's not your classic blonde haired, tough, physically fit guy. He's kind on the scawny side but I think he's cute enough to make the 上, ページのトップへ 5. He has a really nice face and I 愛 his hair. And his eyes I adore his eyes. They are such a brilliant blue. Merlin is proof that a person doesn't have to meet the typical standards to be good looking.
4. Mordred
I pretty much have made an 記事 like this for every character I ever loved. Plus for this fandom I realized that Morgause isn't really all that popular...I mean I haven't seen much hate either but she simply isn't that popular. Back on the お気に入り character アンケート a whopping 1% of voters 発言しました she was her お気に入り so I kind of wanted to state why I liked her so much. So here we go;
What a better way to introduce an 記事 about why I like a character than to mention how much I loved 発言しました characters introduction. Excuse my language but Morgause's entrance was completely badass....
So I've been 読書 a lot of meta lately, and some of the responses I've seen have got my hackles up. Read at your peril.
Goddamn but I do hate queer-baiting. I hate the whole concept it represents, I hate that it happens, but most of all, I hate that certain quarters in a fandom will use it as an excuse to discourage/disprove any points a gay ship has towards becoming canon.
"Oh, Regina and Emma touched one another and made literal magic? Queer baiting!"
Hi there everyone!
I'm a writer and I'd 愛 some international support for my story that I already gave to Colin モーガン, モルガン personally as a gift. He inspired me for a certain character and it was 与えられた もっと見る as a sign of gratitude for the inspiration rather than for him to read it. No idea if he ever would, but I just hope the effort I put into translating it just for him made him happy that day. What a brilliant actor ^^ Anyways - I've created a club and this account itself for communicating with future readers. I don't want to bother anyone with it, but how else could あなた let people...
The lightning craked and thunder roared.Morgana lay wounded in a large forest. She breathed slowly praying for a miracle. Merlin ran threw the forest jumping over fallen trees and branches his ハート, 心 racing. He had to find the ingredient for the antidote before it got even darker.Morgana could hear sounds of movement. She tried to scream but only a small squek for help came out. She kicked her feet against a branch hoping it would cetch someones attention. Merlin stopped running. He took deep breaths. He felt light headed from running. There standing at his feet were three healing mushrooms. He...
This is a ficlet I wrote about eighteen months 前 after season 3 finished airing. I just thought I'd share it here. Enjoy!
"Sire?" Uther Pendragon looked up from his paperwork to see Vivienne standing timidly in the door way. Although she had addressed him, she was staring at the ground, unable to met his gaze. Uther couldn't blame her. Lately whenever they were in the same company together, he found himself looking anywhere but at her. They had an unspoken agreement to ignore each other. It had been that...
|もっと見る 魔術師 merlin (bbc) 記事 >>
Full episode Free to watch No account または subscription necessary Additional selection of subtitles available
S04 E09 review Note: This site went defunct in 2015, so in order to read this archive post one has to tap the CliqueClack button manually to access this archive post. Sorry for a redirection & all the inconveniences.
Arthur and Morgana Pendragon meet Gwen and Merlin at a club in the 20s *see link for full summary*.
|もっと見る 魔術師 merlin (bbc) リンク >>


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Cartoon Maze: Not the size of the boat... By Yonatan Frimer
Maze cartoon of Bibi Netanyahu and PM Erdogan in the mens room, sizing each other up. Erdogan has a scronful look on his face and defends, "It's not the size of the boat, it's the motion of the ocean" Created by Yonatan Frimer
Click here for a printable, hi-res version of this maze
Click here for the maze solution.
More Yonatan Frimer Mazes:
Team Of Monkeys - Maze Cartoons
Ink Blot Mazes - Maze Art
Go Comics - Political Maze
Buy Print On Demand Maze Art
More on this maze's topic:
Turkey's Erdogan bears responsibility in flotilla fiascoWESTERN GOVERNMENTS have been right to be concerned about Israel's poor judgment and botched execution in the raid against the Free Gaza flotilla. But they ought to be at least as worried about the Turkish government of Recep Tayyip Erdogan, which since Monday has shown a sympathy toward Islamic militants and a penchant for grotesque demagoguery toward Israel that ought to be unacceptable for a member of NATO.
On the opposite page today, Turkey's ambassador to the United States makes the argument that Israel had no cause to clash with the "European lawmakers, journalists, business leaders and an 86-year-old Holocaust survivor" who were aboard the flotilla. But there...(read full article)