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Beth Daunis says that because she is a "middle child," she often looked for ways to stand out compared with her siblings. When she discovered the violin at age 4, she was hooked.
Now, 27 years later, Daunis has established a reputation in the Tucson musical community for versatility and range on her instrument. She maintained her busy performance schedule even while writing and recording her first solo album, The Shape of Spirit.
"Creating the album, it was like giving birth to something," said Daunis. "To bring that to the world was ignoring all challenges and fears, so that I could present my ideas to the world."
Daunis chose to record most of the album's tracks live to preserve the feel of a spontaneous performance.
"A lot of the pieces I play channel a melody line, and we perfect it from there," Daunis said, referring to her accompanist, writing partner and fiancé Phil Lipman.
Daunis revealed that her first track on the album, Awesome Saturday, spiraled off of a song that was composed earlier that same day by Lipman called Grim Saturday. After finding that tune's somber mood unsatisfying, Lipman encouraged Daunis to improvise, and the resulting jam evolved into a more positive piece of music.
"The song expresses the challenges of your own life, and the journey out of those challenges into the light," said Daunis.
She called it the happiest and brightest song in the album, symbolizing the joy that she found in working closely on the creative process with her fiancé.
"The joy of working with your beloved one has truly brought us together, it's given us the opportunity to grow," said Daunis. "We may never have kids, but we will always have the music we share."
Arizona Public Media's Spotlight Sessions are recorded and mixed by Jim Blackwood.
Listen to the full Beth Daunis Spotlight Session including interview:


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College of Education & Human Services
Prospective Students
Welcome to the College of Education and Human Services at Western Illinois University!
Imagine an experience where you are immersed in technology from the beginning to end of your studies and graduate knowing you can lead yourself and others into the future.
Imagine a teacher education program where you are able to spend more and more time working with experienced teachers and children as you progress through your program.
Imagine a hands-on, real life experience when you work in your field of choice during a semester-long practicum or internship.
Imagine a program that lets you work with the finest leaders in the U.S. Army and allows you to plan and execute complex military operations and lead the Army into the future.
You can do this - and MUCH more - in the College of Education and Human Services

subset: commoncrawl


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Today, March 21st, is World Forestry Day!
Did you know that climate change affects the world's forests, and in turn, their animal inhabitants? Here are several ways that increasing temperatures impact forests:
- Forest fires: Hotter temperatures cause longer summer droughts and drier conditions, increasing the number and frequency of forest fires.
- Forest die-off: The stress from droughts results in increased tree mortality in all major forest types around the world.
- Beetle outbreaks: A greater number of beetle and other insect breakouts is associated with warmer temperatures, which leads to increased destruction of tree bark.
- Leaf growth: As temperatures increase, the timing of when leaves emerge and fall from the trees changes. This impacts carbon storage, water resources, and habitat condition.
Learn more at the USGS blog.


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In this photograph made on Sunday, Jan. 13, 2013, a print house employes work on an election campaign billboard of Israeli Prime Minister and Likud Party leader Benjamin Netanyahu, in the central Israeli Town of Petah Tikva. Palestinian officials largely view Benjamin Netanyahu's expected re-election with despair, fearing the Israeli hardliner's ambitious plans for settlement construction over the next four years could prove lethal to their dreams of a state. Hebrew on billboards reads - " I need you for strong Israel". (AP Photo/Oded Balilty)
RAMALLAH, West Bank (AP) — Palestinian officials largely view Benjamin Netanyahu's expected re-election with despair, fearing the Israeli hard-liner's ambitious plans for settlement construction over the next four years could prove lethal to their dreams of a state.
Some in Palestinian President Mahmoud Abbas' circle hold out hope that President Barack Obama will re-engage in the Israeli-Palestinian conflict, and, freed from domestic electoral considerations in his second term, get tougher with Netanyahu on settlements. One aide suggested Europe is ready to jump in with its own peace plan if Washington is not.
But short of trying to rally international opinion, it seems Abbas can do little if Netanyahu wins Tuesday.
Israeli polls indicate that a majority of seats in Israel's 120-member parliament will go to right-wing, pro-settler or Jewish ultra-Orthodox religious parties, with Netanyahu's Likud the largest among them. Netanyahu could comfortably form a coalition government with these parties, seen as his natural ideological allies.
Even if he adds a centrist party to the mix, he's unlikely to shift course from the pro-settler policies of his current government.
Under Netanyahu, construction reportedly began on nearly 6,900 settlement homes in the West Bank, captured by Israel in the 1967 war, along with Gaza and east Jerusalem. The Palestinians want to set up a state in the three territories.
That's a bit less than what was started by Netanyahu's predecessor, but many of the new homes are deeper in the West Bank, the Israeli anti-settlement group Peace Now said this week. Thousands more apartments are in various stages of planning, Peace Now said, predicting an "explosion" of settlement construction in coming years.
Since 1967, Israel has moved more than half a million of its citizens to the West Bank and east Jerusalem.
The conflict with the Palestinians and the fate of the occupied lands, hotly debated in Israel for decades, were largely missing from Israeli political discourse this campaign season. The centrist Labor Party, which led peace talks with the Palestinians in the past, has shifted almost exclusively to domestic concerns, such as growing income gaps.
A research department in the Palestine Liberation Organization, reviewing Israeli party platforms, concluded that most parties proposed to manage the conflict with the Palestinians, not end it.
"This appears to scorch all hopes for the internationally endorsed two-state solution," the department wrote in an internal memo distributed to Palestinian officials and foreign diplomats.
Abbas aide Mohammed Ishtayeh said he and other senior officials have been watching the Israeli campaign closely.
"The first strong impression is that peace is not on the agenda of the Israeli parties, and it's clear that Netanyahu is winning," he said.
A Netanyahu victory "will be hard for us because it means more and more building in the settlements." he added.
Palestinians believe hopes for their state are slipping further away with each new settlement home, and that partition of the land between the Mediterranean and the Jordan River may soon no longer be possible.
Abbas has warned in a series of meetings with visiting Israeli politicians and mayors in recent months that Netanyahu's policies will force Israelis and Palestinians to live in a single state, said an Abbas aide who spoke on condition of anonymity because he was not authorized to talk about closed-door discussions.
"President Abbas warned Israeli party leaders that in the short run, this one state imposed by Netanyahu will be an apartheid state, but in the long run, our grandchildren will ask for equality," the aide said.
Settlements are at the core of the paralysis in peace efforts talks since late 2008. Netanyahu refuses to freeze construction, rebuffing Abbas who says there is no point in negotiating while settlements steadily gobble up more of the occupied lands.
The standoff is likely to continue, though the Palestinians believe their diplomatic leverage has improved.
In November, the U.N. General Assembly recognized a state of Palestine in the West Bank, Gaza and east Jerusalem. The vote, while largely symbolic, affirmed the 1967 frontier which the Palestinians want to be the base line for future border talks. Netanyahu, while willing to negotiate, wont' recognize the 1967 lines as a point of reference and wants to keep all of Jerusalem and parts of the West Bank.
Some Palestinian officials hope Obama will now be tougher with Netanyahu. Palestinians were disappointed in Obama's performance in his first term, with the president seen as having backed down in a showdown with Netanyahu over settlements.
Earlier this week, there were signs of a more assertive president.
An American columnist with close ties to the White House described Obama's disdain for Netanyahu, warning that Israel's relations with the U.S. could suffer if the Israeli government doesn't change its policies. The columnist, Jeffrey Goldberg, quoted the president as saying that "Israel doesn't know what its own best interests are."
Nabil Shaath, another Abbas aide, said the Obama administration needs to become more assertive.
The Americans "keep talking about negotiations and the need to restart the negotiations," said Shaath. "But what is needed is for the U.S. to pressure Israel to stop settlement activities and to go to real negotiations, to reach an agreement within six months."
Europe might also get more involved, he said. France, Britain and Germany are working on a peace initiative and are trying to get the U.S. on board, he said, adding that "there is nothing written on paper."
Palestinian officials have said they might also try to challenge a Netanyahu-led Israel in other ways, including by seeking war crimes charges at the International Criminal Court over settlement building. However, such a move would likely anger the U.S. and Abbas has not taken any concrete steps in that direction.
While those around Abbas privately agonize over four more years of Netanyahu, many ordinary Palestinians seem indifferent to the outcome of the vote.
Wajdi Sbeih, an electrical engineer from the West Bank town of Ramallah, said he'll watch the results Tuesday night, but won't care much. "The Labor Party came, the Likud came, but when it came to the Palestinians, they all had the same politics," he said.
Laub reported from Jerusalem. Associated Press writer Dalia Nammari in Ramallah contributed.


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I sleep with a dog. Well, actually, I sleep with two dogs and a husband. So you would think that when Sister and I spent several days at her cottage this past week, just the two of us, I would relish the opportunity to sleep sprawled out and alone on a comfy queen-size bed. I will admit that I was kind of looking forward to it, so I was deeply disappointed when I found it difficult to fall asleep.
Sleep is my thing, so it was surprising that sleeping without my companions didn't provide the enjoyment I was expecting, especially in the peaceful atmosphere of Northern Ontario cottage country. The fact that I tossed and turned for long periods of time before falling asleep all three nights and had a horrible dream about cancer was very perplexing.
I haven't dreamed about having cancer ever. I slept well throughout treatment, and I boasted about being able to sleep well even during symptoms of menopause. I can't control my dreams, they are as vivid and memorable as anyone's, but this dream about cancer was disturbing and affected me long after I woke up. I dreamt that at a routine oncologist appointment, the nurse advised me that cancer had returned and that I needed follow-up chemotherapy. I didn't get to see the doctor; instead I was pushed onto a bus with several other people with IV's and told that I would be bused to the chemo location. Once on the bus it was clear that I wasn't coming back and my earnest pleas to see the doctor or to review my test results were ignored. I remember comforting myself with the thought that I could refuse treatment once I arrived at the clinic — and I was sure I didn't really have cancer.
Anyone who has battled breast cancer can relate to the disturbing nature of this dream. No one ever wants to hear that cancer has returned, nor do we ever want to go through chemotherapy or any treatment again. In retrospect, before the dream I did discuss the need for continued vigilance about cancer and extreme measures to stay healthy with Sister. Sister is committed to her health and is inspiring in the way she takes care of herself, ever since (like me) she tested positive for carrying the BRCA 2 gene mutation. I am thinking my dream came out of a sense that I could do more for my own health.
One thing I have always thought about, even after making every effort to eat healthy and live a better lifestyle, is how to truly cleanse my system of all the toxic effects of chemotherapy and cancer. For a while I actively searched for a naturopath who treated post-cancer patients, but wasn't able to find one in my area. Recently, friends of mine found a doctor who provided herbal cleanses and each of them found relief from symptoms they had been complaining about through a cleanse. Neither of them have had cancer, but they are aging as I am and experienced hormonal changes and the beginnings of arthritis and fibromyalgia. Perhaps this doctor is worth meeting. A dream like the one I had cannot be ignored. I think it calls for greater attention and some form of action.
I do not advocate alternative treatment without conventional medicine for treating breast cancer, but once we are through treatment, I believe methods to improve our health and wellness are actually beneficial. Finding the right ones just takes time. I intend to take the time and dig a little deeper so I can sleep peacefully, even with a crowded bed.
Important: The views and opinions expressed in this article are those of the author and not Everyday Health.


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Everyday Smooth Custom Uplift Bra
Color: true black
Size: 36b
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A summer of stone fruit makes for refreshing meals
CHINS and arms across the nation are set to be drenched in rich, succulent summer stonefruit juice as Aussies prepare their taste buds for a bumper harvest of delicious local peaches, nectarines, plums and apricots.
When shopping for ready-to-eat stonefruit, look out for fruit that is fragrant and yields gently to palm pressure. The stem end of the fruit should be plump.
Peaches bruise easily so look for smooth, unblemished fruit and handle them with care. When ripe, they should produce a delectable full-bodied aroma.
Nectarines tend to be a little easier to select and will give slightly when they are soft and juicy. A good sign of how sweet they are is the presence of white freckles on the top half.
When selecting plums, make sure you go for the ones that are plump and full-coloured while apricots should be deep yellow, well-formed and firm.
White fish and nectarine ceviche
Serves 4
100g skinless firm white fish, such as snapper or kingfish, cut into 1cm pieces
¼ small red onion, finely chopped
100ml lime juice
1 yellow nectarine, cut into 1cm pieces
1 tbs each finely chopped coriander and mint
1 long red chilli, seeds removed, finely chopped
2 x 30g radish, julienned
½ ripe avocado, finely diced
toasted bread or butter lettuce leaves, to serve
Combine fish, onion and lime juice in a glass or ceramic bowl, season and leave for 45 minutes to "cook" and the fish becomes opaque.
Add remaining ingredients to bowl, and stir gently to combine. Set aside in the fridge for 15 minutes to allow flavours to develop.
Serve ceviche with bread or lettuce as desired.


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The Stanford Libraries is highlighted in today's issue of the Stanford News for its recent release of the French Revolution Digital Archive (FRDA). The archive, a collaboration between the Stanford Libraries and the Bibliothéque nationale de France, contains both images and textual documentation of the French Revolution's early years.
FRDA is noted for its "sophisticated search capabilities" as well as for being "the most complete searchable digital archive of French Revolution images currently available."
Read the entire article, Stanford Libraries online archive expands access to French Revolution treasures by Gabrielle Karampelas in the March 19th edition of the Stanford News.
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Welcome to Tacoma World!You are currently viewing as a guest! To get full-access, you need to register for a FREE account.
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John and Horace Dodge were not just two brothers with a dream of starting their own car company, they also had a vision to be innovators within the industry. Their engineering and mechanical acumen was applied to the first vehicles that rolled off the Dodge Main Hamtramck assembly line back on November 14, 1914.
It wasnt just the high quality of manufacturing, durability and toughness that brought consumers over to Dodge. Technical breakthroughs such as electric self-starter motors and electrical lighting (unheard…Read More


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Reuters Social Media Editor Charged With Helping Anonymous Hackers
A social media editor for the Reuters news service today stands indicted for allegedly helping the loose affiliation of computer hackers that calls itself Anonymous carry out attacks against websites controlled by the Tribune media company.
You can read the original indictment below. But federal authorities say that in late 2010 in a chat room, Matthew Keys helped a member of Anonymous working under the chat room name "Sharpie" obtain the user name and password to that company's content management system.
That person then vandalized an existing story on the website of the Los Angeles Times, authorities said.
Their chat transcripts suggest that Sharpie had bigger plans and intended to replace the Web front page of either the Chicago Tribune or the Los Angeles Times with a page of his own making.
For allegedly helping with that, Keys faces as much as 10 years in prison and a fine of $250,000.
Chances are that pressure will be brought to bear on Keys to help the FBI track down more members of Anonymous — that is, to the extent that he can. Don't expect much.
Keys, who tweeted for Reuters under the name @TheMatthewKeys, appears to be nothing more than a bit player who was sympathetic to Anonymous and was a former employee of a TV station owned by Tribune. He's unlikely to know how to go about finding the people who constitute the inner core of Anonymous.
For something like that, you need a much more strategically placed confidential informant. Someone like Hector Xavier Monsegur, who worked under the handle Sabu. He's the one who, from an apartment on Manhattan's Lower East Side, helped authorities in the U.S., U.K. and Ireland collar a few allegedly higher-ranking members of Anonymous.


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Apps Club is the official Android apps subscription offer for many of the top mobile carriers and smartphone OEMs in the world. Apps Club is the leading Apps subscription service in terms of addressable market reach, content quality as well as in total active subscribers.
Apps Club reaches over 500M mobile subscribers and unlocks the potential of Apps Distribution and monetization in Emerging markets.
With emerging markets in mind, it has no need for credit cards as it provides carrier billing for 100% of its addressable users, therefore unlocking a huge monetization potential where credit card penetration is low.
Also, there is no need for a data plan to download new apps – all app downloads within Apps Club can be done for free independently of users having purchased a mobile data plan, making the service accessible for all.
Apps Club is the official offering and partner for the Android apps subscription services of many of the top mobile carriers and smartphone OEMs in the world. Our distribution partners help us by co-branding, promoting and distributing the service, by pre-load the Apps Club storefront into their client's smartphones, and by providing billing integration.
Across the last decades, most mass-market digital media offers have developed into either of three business models that coexist and complement each other (Free, Subscription and Paid). This trend has been consistent and true regardless of the media category (e.g. music, video or books), its encoding (analog or digital) and its distribution channel (e.g. offline or online).
A subscription model is typically the last one of the three to emerge as the media category matures. As the mobile apps category matures, the subscription model emerges complementing the existing free and paid models, while at the same time representing a better value for users and for developers alike.
It protects the premium apps from being copied to non–authorized devices and against usage of non-paying users
DRM works both Online & Offline
It tracks usage and overall engagement of each individual app while keeping individual user activity private
A wrapper version is available for developers that don't want to adapt existing apps
Control App Updates without requiring GooglePlay
Compatible with Facebook, Google+ and Google Game Services and with Amazon APK's
Ability to process IAP transactions while disabling the users billing charges
Ability to coexist with GooglePlay IAP's transactions and provide special pricing for Apps Club subscribers.
Self-updatable without the need to update full app
Small foot print (<30K)
Support multiple APK's and OBB files formats
In a world with hundreds of thousands of apps, finding the best apps is challenging. In addition to providing a pre-selection of the best available Apps across all key categories, Apps Club, through its Social app discovery feature, enables users to find the best apps based on what their friends are using and recommending.
A subscription service is only as good as the content it offers. Therefore Apps Club only works with the best available apps covering all key app categories:
"Bemobi has for long been a key distribution partner in emerging markets such as LATAM, SA, SEA, Africa and CIS. Besides generating an extra source of revenues for our Android games, Bemobi provides a user-friendly dashboard and a great support team to guide our efforts. Those are the perfect ingredients that make Bemobi one of our most efficient business partners we are always pleased to solicit for new game releases."
Xavier Liard
"As a leading game publisher it was a challenge generating a significant revenue stream from emerging markets. Luckily, we came across Bemobi which offered a good solution to that with great support, a very simple integration process and last but not least, an impressive revenue stream. Today we are very happy and proud to collaborate with such a partner in the game industry."
Maya Gurevich
Founder and CEO
"Our partnership with Bemobi has delivered results that have effectively generated a new source of revenue for us. We are satisfied with the valuable developer support provided by Bemobi regarding monetization opportunities in key emerging markets."
Žiga Bobinac
Director of App Sales
"…their approach to app distribution provides a comfortable environment for end-users while rewarding app developers for offering quality content. Since we've started working with Bemobi we've gained significant exposure in the Brazilian marketplace, reaching many new users in an innovative and fun way."
Fabio Luzo Alves
Sales Account Mgr
"Subscription was for sure coming to the apps world, however nobody seemed to get it right. Then Bemobi's Apps Club came along, and it's a game changer."
Federico Martin LLano
Brasil & SouthCone Mobile Manager
"Bemobi's unique subscription model really proves to be one of the best mobile distribution solutions in Brazil and Emerging markets. Their support in the integration process was remarkable and allowed us to start fast and effortless."
Vivid Games
Business Development Manager
"Our company has been searching for ways to enter Brazilian and Emerging markets for quite some time. We needed one entry point to reach all mobile subscribers, that's when Bemobi came in. Their Apps Club is a synergy of easy submission process, vast marketing opportunities and great developers support. Join Apps Club today and instantly reach millions of Emerging Markets mobile user."
Dmitry Surchenov
Business Development Manager
"As a health and fitness app developer, the Bemobi Apps Club´s monetizing system is ideal! The more users exercise with our apps and the healthier they become, the more we benefit. Moreover its real time reporting dashboard gives us a great insight into the performance."
Christian Kaar
CTO Mobile & Co-Founder
"Bemobi is one of our best revenue stream on Android out of Google Play. Their service is very efficient in terms of installed base and app usage. …. Bemobi is the perfect partner for anyone that is aiming for the Brazilian market. Working with their team is a real pleasure and they always manage to get the best out of our titles."
Cyrille Imbert
"Huuuge partnered with Bemobi to test how well our games perform in Brazil and in their channels. Happy to report that since that we have made a lot of new fans in Brazil and cooperating with Bemobi has been very positive experience for us. We appreciate the innovative service concept which works great for companies that have validated success & high quality games on Google Play. We are looking forward doing more success in Latam with Bemobi."
Anton Gauffin
"Our company, Anuman Interactive, has been working with Bemobi for a few months now by bringing them mobile contents for their plateform. Their technology is reliable, efficient and profit-making. This is an ergonomic and intuitive tool for the final customers as well as for the publishers. We are very happy with our collaboration with Bemobi which is proving increasingly successful and profitable."
Sandra Ragobert
Deputy CEO
"Bemobi's solution enables us to further monetize Facetune for Android in Latin America, a high growth region where credit card penetration for Android users is not fully developed. They have been pleasant partners to work with, providing a smooth process from both technical and business perspectives – a crucial element for publishers with high opportunity costs. We look forward to continue working with Bemobi as they aim for ambitious growth in upcoming years"
Itai Tsiddon
Co-Founder & Director of Business Development
"Latam is now strategic region many gaming companies have on their radars. While being so desirable, it's also quite a difficult market to step in, and we're glad to have Bemobi as our partner. Together we are able to reach much more passionate players."
Alexandra Butova
Head of Channel & New Markets Development
"The Apps Club is an outstanding opportunity for consumers to get great valued titles like our top blockbusters Townsmen, Devils&Demons, 1941 Frozen Front or Clouds&Sheep. For us as a developer it's a perfect possibility to offer our products to gamers in LATAM! A market which is booming and which is key to our strategy."
Christopher Kassulke
"As a top grossing provider of high quality games to Opera, extending our reach by working with Opera Appsclub was an easy call for us. Appsclub is a highly curated apps subscription store in both emerging and mature markets that provide our developers with solid incremental revenue. It's core principle is end-consumer value and that is reflected in the quality of the apps selection and the management of the store itself. For us and the developers we represent, it's a perfect fit!"
Bertil Krumnack


text: HomeCotton fabric, reversible and washable.Spring Floral face mask$5.00PriceSizeSelectQuantityAdd to CartPRODUCT INFOThis product is made in the USA by a Woman/Veteran owned small business. We appreciate your support by shopping small. Machine wash, hang dry. RETURN & REFUND POLICYThese items are all hand made and therefore occasionaly may haven a flaw. Because these are items of a personal nature, we will not issue a refund, but will be happy to repair or replace your mask. SHIPPING INFOWe use USPS for shipping. We ship first class and usually an order goes out within the next two business days.


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An assemblage of several chocolate types including truffles, nut clusters, chocolate glazed fruit and more all created by our crafty chocolatier. Lying together in a rustic wicker basket, the chocolates compliment each other to form a beautiful gift.
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"If it doesn't make sense, it's usually not true." Judge Judy Sheindlin
I hear all the time from diehard investors and salesmen of annuity products that "the stock market is nothing more than rolling the dice at Vegas!" To which I always respond, "Really? I didn't realize we had that many compulsive gamblers in the world."
My reply tends to get a very awkward look, because I force those investors and salespeople to logically assess their arguments. For their statement to be true, logic dictates that my response is true as well. Logic is the ultimate advisor weapon in the war on fear and misperceptions. In this and my next blog for ThinkAdvisor, I'll apply logic to some issues that you and your clients face.
For example, let's apply the concept of logic to "indexed annuities." I personally believe they're a sales gimmick, and really nothing more than a structured note or hedging strategy loaded with huge fees and surrender lockups which may, or may not, have some value within a portfolio. However, they're often sold as the "Holy Grail" or "silver bullet" investment, with many salespeople recommending investors allocate far too large a portion of their assets into the investment.
So what's wrong with them? Better yet, what does logic say about index annuities?
Logical Response to Index Annuities No. 1
Most index annuities are tied to an index, such as the S&P 500. The sales idea is that if the stock market goes up, you get the upside return, but if the stock market goes down, you don't lose anything. At least that's how they're marketed and sold. However, that's not exactly true; logic and truth tells a different story.
An annuity, by definition, is a product or contract, created and sold by an insurance company, based on the agreed terms of the annuity contract. The investor is not actually investing in the S&P 500 directly or even indirectly. Logically, you can't buy the S&P 500 and buy an annuity contract with the same dollars. Furthermore, most all indexed contracts limit the downside stops of not losing anything in bear markets by internally limiting how much upside percent of positive years the contract actually pays. Most limits range from 70% to 80% of the positive year returns.
Remember, with an indexed annuity, you're not really investing. Rather you're agreeing to a contract's growth and return stipulations, which in this example is somewhat tied to the S&P 500 performance.
Logical Response to Index Annuities No. 2
An S&P 500 indexed annuity is indexed to the price-only index, which tracks the price change/ appreciation only, excluding all dividends from the 500 companies. Contrast that to the real S&P 500, which is a total return index, including all the reinvested dividends and price appreciation of all those companies.
So if you purchase an indexed annuity contract tied to the S&P 500, are you entitled to the dividends from all the companies included? The answer is no, because with an annuity contract, you don't actually own any direct shares of those companies. In truth, the only thing you own is the right to the contract's growth and return stipulations you agreed too.
Furthermore, when looking at an 80% benefit of the price-only index, or even 100% of the price-only index, both have significantly lower returns in positive years than the real S&P 500, which includes both reinvested dividends and price appreciation. See the chart below showing the comparison.
Logic illustrates that an investor is giving up huge return spreads including the compounded reinvested dividend return when buying an index annuity contract with only an 80% benefit. That's how the insurance company limits the downside risk from ever going negative, in addition to locking up clients with 10-year surrender charges if you need to exit the contract before the 10 years.
Logical Response to Index Annuities No. 3
What does the insurance company do with your money once you purchase the contract? I would assume they invest in the stock market and by doing that they are purchasing the real total return S&P 500, while contracting to pay you only a percentage of the price return. That means they receive the larger return which includes reinvested dividends and price appreciation over time.
Where's the logic there? Obviously, any insurance company has to make a greater ROI on monies invested in their annuity contracts sold, to generate profits for the company and pay you the stated contract terms. Otherwise, they couldn't remain in business. Logic shows it's better to actually own the S&P 500 and get both the dividends and price return, while using structured notes, bonds, hedging strategies and other asset class allocations within your portfolio to better manage the risk and volatility fears!
Logical Response to Index Annuities No. 4
Insurance companies aren't able to invest money in special markets unavailable to the rest of the world, nor do they have a silver bullet strategy for generating better returns. Therefore, logic or common sense dictates that all index annuity contracts have to be less financially beneficial for the investor, compared to purchasing an index mutual fund or ETF of the S&P 500 and riding the ups and downs. Otherwise, how would insurance companies stay in business if they aren't selling the "perception" of investing based on fear, rather than the prudence that comes with knowledge?
Logic Is an Advisor's Most Important Weapon
Logic will always be the ultimate weapon for any advisor looking to obtain or retain clients, because when emotions and feelings dictate investor's choices based on perception or fear, its logic that ultimately helps investors come to an educated decision. So for a successful practice, advisors have to be able to relate the logic of the markets' complexities with truth, because that's clients really desire.
It's the logic which portrays your honesty, integrity, knowledge, and most of all illustrates that you care for what is ultimately in the client's best interest no matter what. Stay tuned for next month's article on "logic is an advisor's most important weapon."


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Beyonce Confirms Supposed First Post-Birth Interview Is Fake
If we can't trust Star Magazine, who can we trust? That's the question being asked this morning by thousands of shaken readers upon the discovery that the tabloid's recent exclusive interview with a post-partum Beyonce may have been somewhat less than authentic.
That's the scoop from Access Hollywood, whose journalistic sleuths contacted Beyonce's people and were told that the Star story, which purports to contain quotes from the singer about her relationship with Jay-Z and her experiences giving birth to baby Blue Ivy, is "completely made up" and "absolutely not" legitimate.
Meanwhile, Star editor Anna Pointer is sticking to her guns and insisting that the story is real no matter what Beyonce says. "It is not made up or fictitious at all," said Pointer when contacted by Access Hollywood. "We bought the interview from a reporter in the U.S. who conducted the interview with Beyonce before the birth. The reporter then obtained the 'top-up' info after the birth, which we believe to have been signed off by a girl on her team."
While Beyonce and Star sort out all this editorial confusion, it sounds like the time is ripe for someone else to step in and nab the real, honest-to-goodness first exclusive interview with Blue Ivy's mom. Who knows? Maybe it'll be you!


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A MW brand "Tony Lazzeri" model 4227 glove sold for $156. Another very nice example in the same month.
A J.C. Higgins "Hans Wagner" glove sold for $255. Overall, some wear and tear but the endorsement still pretty clear. The padding was cut out along the sewn line of the palm. Also, just enough of the cloth patch remaining to identify as a Higgins brand.


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The making of a timeless jewel? It comes from the passion for pure design and the finest craftsmanship transforming precious materials, light and color into something unique. The elegance of simplicity and the beauty of classic jewelry have been inspiring Orsini collections for over forty years.
Luxury extensive collections of best variety of rings, earrings, necklaces and pendants, realized in white, yellow, rose or bicolor gold and in silver. From simple and everyday pieces to stand out creations, made unique by the excellence of the Italian handcrafted quality.
A ring is a cherished jewel embodying a promise of endless love. Orsini makes it unforgettable with a special, extensive collection dedicated to engagement, wedding and anniversary.
It seems we can't find what you're looking for. Perhaps searching can help.


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St Joseph's Catholic High School, Albion Park
Experimentations in paper, surface and form through the manipulation of ink and water led me to examine metaphors of the human vessel and spirit upon death. The pod forms, once constructed, were recontextualised in environments exploring the body as flesh, the spiritual body, organic life and as scientific intrigue. The paper, suffused with Latin text derived from the Sacrament of the Anointing of the Sick, alludes to the religious and spiritual experience at the end of life. As such, audiences play a vital role in interpreting the ambiguous forms, drawing meaning relative to individual experiences.
Investigate how Michelle Riganti and Ernesto Neto respond to the human form and its senses in their art practice. How do the physical properties of the materials and the use of space enhance the overall meaning of each work?


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Infosec Rock Star: From Expert to Rock Star
Welcome to this series of videos with potentially life and career changing ideas you can implement.
Enter your name and email below for instant access to the free video and more valuable training
We value your privacy and would never spam you
Ted, to those about to rock, I salute you. Great videos and always enjoy listening and learning from you. I always pickup new tips and tricks.Dr. Eric Cole
I would probably not be where I am right not if I had not known you, and I want everyone to know what formidable knowledge, wisdom and FUN you bring around you.Pierre Noel, CSO Asia, Microsoft
Ted has let the secret out – we can all improve HOW we do WHAT we do. . . I received value in the first few minutes of the first session. Consider these life and career changing ideas.Russell Eubanks


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When President Barack Obama was pushing his plans for health care reform last summer and fall, he said change was needed to put the nation's economy on a firmer footing.
But with his new compromise proposal Monday aimed at forcing a congressional vote on the issue, Obama appears to be making a pure political gambit with little explicit reference to the economic struggles still afflicting millions of jobless workers.
Obama's latest proposal, which would cost nearly $1 trillion over 10 years, would differ from previous versions mainly by allowing the government decide how much insurance companies would be allowed to boost premiums.
The White House insists the proposal wouldn't increase the deficit, but it's not yet clear how the revisions would affect the overall cost of the package. The changes outlined by the White House were contained in an 11-page summary and have not been "scored" yet for their final cost. The bills approved by the House and Senate ran more than 2,000 pages each.
In any case Obama is expected to have a tough time getting support from lawmakers who seem reluctant to try to revive the unpopular issue now that Democrats have lost their Senate "supermajority" and any bill can be derailed by a Republican filibuster threat.
And Obama no longer can argue that the health care proposal will create jobs or at least remove an impediment to job creation, some analysts said.
"What the current proposal would do is crowd out more private sector jobs by expanding the federal government and result in the country spending more money on health care, not less," said Charles Boorady, a health care industry analyst at Citi Investment Research.
The revised plan would delay the impact of a tax on so-called "Cadillac" insurance plans, raising only $30 billion over 10 years instead of the original target of $150 billion. To make up the difference, upper-income households would pay a higher Medicare payroll tax. Those taxes would also be assessed on investment income, not just wages.
The revised plan would also get rid of some much-maligned provisions of previous bills, including a deal to let Nebraska off the hook for Medicaid payments. But the changes could add costs with proposals to close the so-called "donut hole" in Medicare prescription drug coverage and expand tax credits for middle-class workers to make insurance more affordable.
"This bill is very much a reflection of the Senate bill," said Ipsita Smolinski, a health care analyst with Washington-based Capitol Street. "There are some elements of the House bill, but basically it's the Senate bill with some tweaks."
The hope is that by making relatively minor changes to the bill already approved by the Senate, the White House can get enough votes in the House to approve a unified package. It remains to been seen whether the Congressional summit scheduled for Thursday will yield enough votes in the Democratic-controlled House to win approval of the compromise package.
But the changes aren't big enough to attract any fresh Republican support, House Republican Leader John Boehner said.
"The president has crippled the credibility of this week's summit by proposing the same massive government takeover of health care based on a partisan bill the American people have already rejected," Boehner said in a prepared statement.
To control costs, the White House has proposed creating new federal caps on insurance premiums deemed to be "unreasonable or unjustified."
But insurers argue that capping premiums won't do anything to roll back the underlying cost of providing coverage. Without that relief, the drag of rising health care spending will continue to weigh on the economy and job market, according to Robert Zirklebach of America's Health Insurance Plans, a trade association.
"Employers are struggling with the rising cost of medical care," he said. "If employers continue to spend more and more money on medical care, they have less money to spend on increasing employment."
Health care spending has jumped more than 40 percent in the past decade alone, according to the White House. In 2009, the United States spent about 18 percent of GDP on health care — twice the average of other developed nations. Without major reform, the White House projects, health care's share of GDP will hit 28 percent in 2030 and 34 percent in 2040.
Over the past decade, employers have seen health insurance premiums more than double, rising four times faster than wage increases. According to the Kaiser Family Foundation, the average cost of an employer-based family insurance policy premium in 2008 was $12,680 —nearly the annual earnings of a full-time, minimum wage job.
Since the health care debate began unfolding last year, rising unemployment has shifted the main focus of the White House agenda to job creation.
Even as the White House unveiled its latest health care proposal, Obama told a meeting of the nation's governors Monday that creating jobs was the administration's top priority.
"Too many Americans still haven't felt recovery in their own lives," Obama told the National Governors Association. "So we're working to create jobs by all means necessary, be it by cutting taxes for small businesses that create them, to investing more in infrastructure and energy efficiency, or giving you more help with budget shortfalls."
As federal reform languishes, states are beginning to press forward with their own efforts to change the health care system. And with historic pressures weighing on state budgets, few governors are in the mood to look for the increases in Medicaid funding called for in the Obama plan. Some are calling for more flexibility to try different approaches, including members of Obama's own Democratic party, many of whom face re-election battles in the fall.
"We don't believe it's going to take more money," said West Virginia Gov. Joe Manchin, a Democrat. "How in the world can you have the most inefficient system and have the poorest results in the quality of health care for your citizens as far as how healthy they are and say you have to throw more money at it? You have to redesign it. Let us use the money we already have a little differently."
© 2013 msnbc.com Reprints


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For nearly 50 years, the "World's Most Famous" Ron Jon Surf Shop has embodied the beach lifestyle and carried the best cutting edge surf and skate-branded apparel. Customers have their pick of styles from brands like Ron Jon, Billabong, Element, Fox, Hurley, Lost, O'Neill, Quiksilver, Reef, Rip Curl, Roxy, Rusty, Volcom and more! For environmentally conscious consumers, Ron Jon proudly carries green, eco-friendly men's and women's clothing, home décor items and bath and beauty products.
This "One of a Kind" surf shop also boasts a wide variety of surfboards, skateboards, skimboards and accessories (board bags, roof racks and pads, display racks, fins, leashes, wax, traction, wetsuits and rashguards) from brands like Ron Jon, BZ, Indo Board, Local Motion, Sector 9, Wave Rebel, Zap and more!
If you're looking for Ron Jon clothing, boards and accessories, they are only found at Ron Jon Surf Shop stores and online at ronjons.com. Whether you're a beach baby or a veteran wave rider, Ron Jon has something for everyone!


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|Perl: the Markov chain saw
Re: Object[ion] over-ruled.by ichimunki (Priest)
|on Sep 04, 2002 at 14:22 UTC ( #195084=note: print w/replies, xml )
|Need Help??
I don't know what I wrote that makes you think I started with the premise that you're a novice, I had no intention of sounding that way. Comparatively, I'm the novice.
With any advanced functionality the trade-off is either programmer time or CPU time. If you don't need OO (or it isn't a standard bit of the language), I certainly wouldn't warp my problem domain to fit into OO. But the amount of overhead depends on the language. In some it's going to add a lot of overhead, in some not much. But if its not going to save the programmer time, why use it?
You're right that Perl isn't designed to teach OO, it's barely designed to do OO. But I like it because everything is so exposed and a little bit hard-- that way, instead of relying on the magic of the programming language, I have to understand what I'm doing. Maybe that's not the best way to learn it. But I don't know that there's any right way to learn anything. Most things just take time and practice. I don't think if I were serious about using OO for a project that Perl would be the language I'd choose.
In Section Past Polls


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You're tougher. Meaner. Better equipped. You've taken on a drekload of challenges the Sixth World has thrown at you, and you've survived. Barely, sometimes, but that's enough. You're walking with a certain confidence, maybe even a little strut. You're ready for the next thing the streets are going to throw at you.
High Caliber Ops is a massive expansion for the award-winning Shadowrun: Crossfire deck-building game. How massive? How does two new character roles, more than a dozen new Black Market cards, fifty new obstacles, and a large bundle of new Karma upgrades sound? On top of that, we've got five brand-new missions, and a set of basic cards with new art. Taken together, you have the tools for high-powered, high-risk, high-reward shadowruns. Add High Caliber Ops to your Crossfire game to see just how much danger you can take on!24,42 € (inkl. 5 % MwSt. zzgl. Versandkosten)
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New England Revolution 2, DC United 1 | MLS Match Recap
FOXBOROUGH, Mass. – After a slow, scoreless first half of play, the skies and the game opened up in a second half that featured a little bit of everything, ending in a New England Revolution 2-1 victory over Eastern Conference rival D.C. United Saturday night at Gillette Stadium.
As much as there were goals in the second half, there were a greater number of bookings, including a questionable red card ejection on Eddie Johnson in the 82nd minute.
Already without Chris Rolfe in the lineup, D.C. (5-4-3, 18 points) were forced to play a man down over the final stretch, with the Revs (7-3-2, 23 points) already controlling with the one-goal advantage.
New England broke a scoreless tie in the 55th minute off the foot of Patrick Mullins who scored for the fourth time in four games.
Diego Fagundez created space, stepping into the box and parting the defense who were able to close in before he could get a shot on, but Mullins was on the right doorstep where he punched it past United 'keeper Bill Hamid for the 1-0 lead.
Five minutes later D.C. inserted leading goal scorer Fabian Espindola into the lineup and, in the 73rd minute, it paid dividends when he buried home a cross from Cristian to square things up, breaking a 432 minute home shutout streak for the Revolution.
It was the sixth goal of the season for Espindola.
The Revs struck back just five minutes later when Teal Bunbury's low cross through the box was pushed off the line by Hamid, but on to the foot of Fagundez who fired it through for his fourth goal in three games.
After missing five games with a right quad strain, last season's MLS Defending Player of the Year Jose Goncalves returned to the New England lineup, putting in a full 90 minutes, working with A.J. Soares in smothering Johnson in the middle.
There were six cards dealt out in the match: three yellows and a red to D.C.; two yellows on the Revolution side.
New England, who are 6-0-1 over their last seven matches and 4-0-1 at home this season, will take things north of the border next Saturday against the Montreal Impact, looking to extend their win streak to six. D.C. return home to host Sporting K.C, also on Saturday.
MLSsoccer.com Men of the Match
|What We Saw
|Diego Fagundez
|The Revs midfielder caused havoc all match long for D.C., and netted the game winner just when the United was stealing momentum.
|Patrick Mullins
|New England's rookie continues to impress, opening the scoring for the Revs. It was his fourth goal in as many games.
|Fabian Espindola
|After starting the match on the bench, D.C.'s star goal scorer brought some life into the offense, scoring a goal in the process.


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We are seeking driven students with entrepreneurial spirits looking to begin their career today. Our Community Assistants are the primary facilitator in providing our prospective residents and parents, and our current residents and parents with a dynamic and enhanced leasing and living experience. This position heavily emphasizes excellent customer service and a dedication to American Campus basic operating standards and procedures.
The core of American Campus culture involves everyone being fully invested in everything that we do down to picking up the smallest piece of trash. No matter their position or duration at any given property, everyone picks up trash.
Certain activities involved in this position may be photographed and/or video and audio recorded for quality control and/or training purposes. Compliance with the Photo, Video and Voice Recording Policy is a condition of employment.
To be successful in this position, you should have:
Apply Online
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Twenty-six executives and senior leaders at American Campus Communities started out as Resident or Community Assistants. Their personal perspectives give us a deep understanding of the student experience and how to help CAs succeed.
American Campus Communities started out on the front lines of property management back in 1993. Since then, we've grown into the nation's largest developer, owner and manager of high-quality student housing communities – all while improving the college student living experience every step of the way.


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Many business owners have a vision of keeping the business in the family after the founder passes. Unfortunately, for a large percentage of them this vision often fails to materialize. There is no magic bullet to beat the odds, but taking these precautionary measures may help that dream become reality.
This process should begin by grooming your next generation to assume an ownership and leadership role early in their career. Your child needs to be familiar with every aspect of the business from the ground up. More than knowing the details of how the secret sauce is made, starting at the bottom will allow junior to learn how to work effectively with the folks who are in the trenches.
It's no surprise to your key employees that the business is likely to stay within the family , so don't be secretive about your succession plan. Without the assistance of these front line employees, a successful transition of ownership would be difficult.
Plan a meeting with your key employees sooner than later to talk about succession and their role under that ownership. While your child may be the smartest of the smart, unlesshe or she has had decades of experience in real life and your business, they are still likely to need the assistance of long time veterans. In your clients' eyes, theseveterans will be seen as an important part of the company's ability to properly serve their needs.
Your key employees need to know that their contribution will continue to be important, and that a prematurechange in ownership will not jeopardize their careers. In fact, I'd use this opportunity to have them sign an employment contract that spells out their role in the event of a sudden change, and the benefit to them for assisting with the transition.
John P. Napolitano is CEO of U.S. Wealth Management in Braintree and 2012 president of the Financial Planning Association of Massachusetts. He may be reached at firstname.lastname@example.com or on Facebook as JohnPNapolitano. READ MORE of his columns. Leave a comment at the end of the column or CLICK to write a letter to the editor.
It should include a compensation adjustment for the new and expanded role as well as a success bonus for reaching certain predetermined goals. While you are at it, add a non-solicitation and non-disclosure component to the agreement. Make sure that this contract is enforceable by providing good and valuable consideration in exchange for their agreement to not solicit your clients after leaving the company at any time.
Talk to junior about the financial side of the business and do what you can to leave a fiscally healthy business.Common derailments for fiscal failure after the loss of the founder include bank loans that become due or a loss of confidence amongst your suppliers.
To prevent a financial meltdown, consider obtaining liberal amounts of key man life insurance to prevent a financial problem when you may be least able to afford it.


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I was told to use topsoil to fill it in but that would probably take over 100 cubic yard of topsoil.
I am just wondering if there is a cheaper alternative, at least for the first 2 feet, and then perhaps I can top it off with good quality topsoil for the last 6 inches. Thanks.


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EVENTS from Other Institutions
Street-Level Bureaucracy: The Ground Floor of Government in Context
The goals have been formulated. The decisions have been made. And the rest is a matter of implementation.
November 15, 2019 - November 15, 2019
Venue: Faculty Club - Groot Begijnhof - Leuven (Belgium)
Info link: https://soc.kuleuven.be/io/opleidingen/street-level-bureaucracy-the-ground-floor-of-government-in-context?utm_source=mailing&utm_medium=email&utm_campaign=nws20190723
Exploring these questions is the aim of this conference. The topic is inspired by a new book, the Research Handbook of Street-Level Bureaucracy: The Ground Floor of Government in Context, edited by Peter Hupe and published by Edward Elgar.
Conference themes
Three keynote speakers have been invited to reflect on a particular theme suggested to them and to do so from the perspective of insights they selected from the handbook. These three themes are, respectively, 'The Politics of Ground Floor Governance', 'Citizenship and Street-Level Bureaucracy' and 'In Praise of Public Service Professionalism'. These themes will be addressed by the following speakers and moderators:
The Politics of Ground Floor Governance.
Keynote speaker: B. Guy Peters, Maurice Falk Professor of American Government, Department of Political Science, University of Pittsburgh.
Moderator: dr Liesbeth Van Parys (researcher and consultant; chapter author).Citizenship and Street-Level Bureaucracy.
Keynote speaker: Steven Maynard-Moody, Director of the Institute for Policy and Social Research (IPSR) and Professor in the School of Public Affairs & Administration, University of Kansas.
Moderator: Professor Trui Steen (Public Governance Institute, KU Leuven).In Praise of Public Service Professionalism.
Keynote speaker: Paul du Gay, Professor in the Department of Organization at Copenhagen Business School and Professor and Director of Research at the School of Management, Royal Holloway, University of London.
Moderator: Tania Dekens, MSc (Chief Executive Oficer Iriscare, Brussels; Public Manager of the Year 2017).


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SYRACUSE, N.Y. (AP) — A third accuser has come forward in the investigation of child molestation allegations against an assistant basketball coach at Syracuse University.
Zach Tomaselli, 23, of Lewiston said Sunday that he told police that associate head coach Bernie Fine molested him in 2002 in a Pittsburgh hotel room. He said Fine touched him "multiple" times in that one incident.
The Post-Standard in Syracuse first reported his accusations earlier Sunday.
Tomaselli, who faces sexual assault charges in Maine involving a 14-year-old boy, said during a telephone interview with The Associated Press that he signed an affidavit accusing Fine following a meeting with Syracuse police last week in Albany.
Syracuse police declined comment. A phone call and email to the office of Onondaga County District Attorney William Fitzpatrick were not immediately returned.
Tomaselli's father, meanwhile, maintains his son is lying.
Two former Syracuse ball boys were the first to accuse Fine, who has called the allegations "patently false."
Bobby Davis, now 39, told ESPN that Fine molested him beginning in 1984 and that the sexual contact continued until he was around 27. A ball boy for six years, Davis told ESPN that the abuse occurred at Fine's home, at Syracuse basketball facilities and on team road trips, including the 1987 Final Four.
Davis' stepbrother, Mike Lang, 45, who also was a ball boy, told ESPN that Fine began molesting him while he was in fifth or sixth grade.
Syracuse placed Fine on paid administrative leave when the accusations surfaced.
No one answered the door at the Fine home Sunday. His attorneys released a statement saying Fine would not comment beyond his initial statement.
"Any comment from him would only invite and perpetuate ancient and suspect claims," attorneys Donald Martin and Karl Sleight said. "Mr. Fine remains hopeful of a credible and expeditious review of the relevant issues by law enforcement authorities."
Pete Moore, director of athletic communications at the university, said head coach Jim Boeheim "is not commenting further on the subject at this time."
Tomaselli said the scandal at Penn State involving former assistant football coach Jerry Sandusky prompted him to come forward. Sandusky is accused in a grand jury indictment of sexually abusing eight boys over a 15-year period.
"It was the Sandusky stuff that came out that really made me think about it," Tomaselli said in the phone interview. "A lot of people were slamming ESPN and Bobby for saying anything. I wanted to come out. … It made me sick to see all that support for Fine at that point. I was positive he was guilty."
Tomaselli told the Post-Standard that he didn't ask Syracuse police or federal authorities for help in getting the criminal charges dismissed against him in Maine.
Tomaselli was arrested in April on 11 warrants charging gross sexual assault, tampering with a victim, two counts of unlawful sexual contact, five counts of visual sexual aggression against a child and unlawful sexual touching and unlawful sexual contact, Lewiston police said Sunday. They did not say what led to the charges. He has pleaded not guilty.
Tomaselli told the Post-Standard he met Fine after he and his father, Fred, attended a Syracuse autograph session on campus in late 2001.
The newspaper reported that Fine later called Tomaselli's parents to arrange for Tomaselli to go to Pittsburgh with the athletic department staff on a chartered bus, spend the night in Fine's hotel room and attend the team's game on Jan. 22, 2002.
Tomaselli told the Post-Standard that he had dinner with the team, then returned to the hotel room where he accused Fine of putting porn on the TV and fondling him in bed.
Tomaselli attended the basketball game the next day, sitting several rows behind the bench, and rode the chartered bus back to Syracuse, the newspaper reported.
"The one time there was multiple incidents in that one night, but there was only one night that he ever sexually abused me," Tomaselli told the AP.
However, during a phone interview with the AP, Fred Tomaselli said: "I'm 100 percent sure that Bernie Fine was never in contact with Zach. He never went to Pittsburgh to a game, never been to that arena."
"I brought him to a couple of games in Syracuse. We always sat in the nosebleed section and left after the game. He never stayed for any overnighters and never even got within shouting distance of Bernie."
The Post-Standard also reported that Zach Tomaselli was invited by Fine to a party at his home after the Syracuse-Pitt game on Feb. 1, 2003 — a game where Zach Tomaselli said Fine arranged seats for him and his father several rows behind the bench.
Tomaselli told the newspaper his father, who was unable to attend the party, allowed him to go to Fine's house and stay the night.
While there, Tomaselli told the AP, Fine asked him to get into bed and that Fine's wife, Laurie, was there when it happened.
"I told them (police) that Laurie was standing right there when Bernie asked me to sleep in a bed. Laurie knew all about it," he said during the phone interview.
On Sunday, ESPN played an audiotape, obtained and recorded by Davis, of an October 2002 telephone conversation between him and Laurie Fine.
Davis told ESPN he made the recording, which also has been given to Syracuse police, without her knowledge because he knew he needed proof for the police to believe his accusations. ESPN said it hired a voice recognition expert to verify the voice on the tape and the network said it was determined to be that of Laurie Fine.
Davis also acknowledged in an interview with ESPN that he and Laurie Fine had a sexual relationship when he was 18, and that he eventually told Bernie Fine about it.
"I thought he was going to kill me, but I had to tell him," Davis said. "It didn't faze him one bit."
During the call to the woman, Davis repeatedly asks her what she knew about the alleged molestation.
"Do you think I'm the only one that he's ever done that to?" Davis asked.
"No … I think there might have been others but it was geared to … there was something about you," the woman on the tape said.
On the tape, she also says she knew "everything that went on."
"Bernie has issues, maybe that he's not aware of, but he has issues. … And you trusted somebody you shouldn't have trusted … "
During the call, Davis tells her he asked her husband in the late 1990s for $5,000 to help pay off his student loans.
"When he gave you the money, what does he want for that?" she asked.
He tells her that Fine wanted to engage in sexual activity in several ways.
"… And I'd try to go away, and he'd put his arm on top of my chest. He goes, 'If you want this money, you'll stay right here,'" Davis said.
"Right. Right," she said. "He just has a nasty attitude, because he didn't get his money, nor did he get what he wanted."
On Friday, federal authorities carried out a search at his Fine's suburban Syracuse home but declined to comment on what they were looking for.
New York State Police spokesman Jack Keller said troopers were called to assist the U.S. attorney's office at the search. At least six police vehicles were parked on the street during the search, which lasted around nine hours. Officers carted away three file cabinets and a computer for further examination.
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News from the world of Maths
A team of Australian researchers has delivered dire news for polar ecosystems, predicting that in some regions biodiversity may be reduced by as much as a third within decades. It's the result of a tipping point induced by global warming.
This year's British Science Festival will take place from 7 - 12 September at the University of Newcastle and there's plenty of (mostly free) maths on offer.
Why are drug induced hallucinations so compelling that they apparently provided much of the inspiration for early forms of abstract art? Researchers suggest that the answer hinges on an interplay between the mathematics of pattern formation and a mechanism that generates a sense of value and meaning.
Number theory is famous for problems that everyone can understand and that are easy to express, but that are fiendishly difficult to prove. Here are some of our favourites.
Rollercoasters, the London Eye, planes, bikewheels and boomerangs - no it's not our plans for the summer holidays, it's just a normal afternoon at a Maths Inspiration gig.
Did you learn at school that the angles in a triangle always add up to 180 degrees? If yes then your teacher was wrong. Find out why here.
Right. That's it. We're convinced. We are officially behind team tau! Find out why and celebrate tau day with us!


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Moderator: GnATTERbox Moderators
PeterH wrote:I'm looking forward to seeing this.
NotHarryPotter wrote:Southpier,
I hope I don't sound resentful. I pinch myself that I get paid to do what I love to do, and the Milligan project is a great way to "give back something" to Spike Milligan, who has had such an influence on my life outlook and sense of humour.
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RACIAL EQUITY: It's Time to Step Up. We Need Your Help. Click Here.
com Jessa Nglawyers Jessa K. Nicholson, Nicholson & Gansner S.C., Madison.
I love stories. I like to learn things about people, to try and understand them. That's part escapism and part empathy, I think. As a result, I'm a voracious reader. I've usually got a novel and a nonfiction book on my nightstand. I like plays, television dramas, and movies.
Some of my favorite days might sound boring, as they involve simply spending time with the people I care about while we have a cup of coffee or a glass of wine, talking and listening. I write creatively, but have no designs on attempting to publish; it's just for me. I exercise.
When the weather permits, I particularly enjoy walking by the water and boating, and largely ignore any warnings about the need for sunscreen. I coach high school mock trial, and I get a lot of joy from watching the kids learn to be comfortable with public speaking.
I have a background in art history, so if I have the time, I like to read up on what's going on in the art world and swing by the museum to check out an exhibit or two. I make sincere but mostly failed efforts at crossword puzzles.
com gabe.johnsonkarp gmail Gabe Johnson-Karp, Wisconsin Department of Justice, Madison.
I don't know that I can pick one favorite, but just about any trip to the mountains – particularly out west – would be a safe bet. I have lots of great memories from road trips out to Wyoming, feeling such awe and excitement when I would first be able to glimpse the Rockies on the horizon. But my favorite memories of those trips come from getting out of the car and into the mountains.
Part of what I enjoy is the preparation – poring over maps in anticipation of a trip into the backcountry, getting all of the gear set and packed into a backpack. At the same time, I embrace the need for constant awareness and flexibility that comes with being far away from common "safety" amenities like hospitals, or even a building to shelter you from a storm. Ultimately, I think my favorite aspect of these trips is the immersion in the outdoors: sleeping, hiking, cooking, and playing outside for a few days, all while being with people I love!
com Ben adamswoodrowlaw Ben Adams, Adams & Woodrow S.C., Neenah.
I've always enjoyed reading fiction as a break from other responsibilities. I am a Harry Potter fan, and have not found another author to match those great stories by J.K. Rowling. Years ago I loved Ray Bradbury and Kurt Vonnegut. I've enjoyed all of Sara Paretsky's "V. I. Warshawski" mystery series and quite a few "Kinsey Millhone" mysteries, authored by Sue Grafton.
Most recently I discovered a terrific series set in rural Quebec, Canada, written by Louise Penny. She creates great characters, including Chief Inspector Armand Gamache. The first book in the series is Still Life.
Create some free time and take a break for a good read!
com Shanadunn veteransclaimlaw Shana M. Dunn, Dunn Law Office, Waunakee.
I would love to say that I ended up in this practice area because of a life-long dedication to veterans' issues, but the truth is I took a much less purposeful path. After completing my undergraduate degree, I happened to be at a career fair and gave my resumé to a representative from the Milwaukee VA Regional Office. I was hired by the VA and worked in various roles processing veterans' disability claims for seven years. During this time I started law school part-time at Marquette.
I still had no intention of using my experience with veterans' issues after law school. In 2007, however, a major law change allowed attorneys to get involved much earlier in the claims process and in the semester leading up to graduation, with a terrible legal job market waiting for me, I first started thinking about going it alone in a veteran-oriented practice.
I am passionate about veterans' issues, and about righting the wrongs that have been done to the men and women who have been fighting the system for so long. I am lucky to work with an amazing client base, and I could not imagine a more satisfying career.


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Forsberg Clinches Women's GNCC
Forsberg Completes Perfect Season to Clinch GNCC Women's Championship
Millfield, OH – Factory FMF/KTM rider Maria Forsberg wrapped up a perfect season remaining undefeated through the first nine rounds of the series to clinch the 2012 GNCC Women's Championship.
Forsberg's victory at the John Penton GNCC marked her ninth straight win of the season and allowed her to claim her third straight GNCC Women's class Championship. In typical fashion, Forsberg started strong and led every lap of the Women's race to take the victory.
"It has been a great two weeks," remarked Forsberg, who just returned from X-Games 18 where she won the Women's EnduroX Gold Medal for the second year in a row. "I am so thankful to everyone on the team that has helped me this year. It has truly been a remarkable year and I am so grateful for the success that I have had."
Forsberg wrapped up the championship with four rounds remaining and plans to change things up a bit in the remaining rounds. "I would like to compete in the 250 A class for the remaining rounds and see how I stack up against the men in the 3-hour race. I am looking forward to competing against them and beginning a new challenge for a few races."
Next Event: September 15-16, 2012 – Unadilla Raceway
Overall Results GNCC Women's Class –
- Maria Forsberg – KTM
- Becca Sheets
- Hannah Otto – KTM
- Rachel Gutish – KTM
- Leeann Bange
- Brooke Cosner
- Ashley Copeland
- Allie Spurgeon – KTM
- Kelly Hall – KTM
- Samantha Steiner – KTM
Overall Point Standings GNCC Women's Class –
- Maria Forsberg – 180
- Hannah Otto – 153
- Leeann Bange – 142


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Jackson State University's Director of Athletics Vivian L. Fuller, Ph.D., was presented with an appreciation award on Thursday for her contributions to the Little Tigers Program, an early education initiative in the College of Education and Human Development.
Dr. Ingrad Smith, College of Education associate dean and co-project director, presented Fuller with the plaque, thanking her for helping the program by supplying T-shirts, sports items and food.
"She just jumped in and her efforts really helped the program as it expanded to reach more households in the Jackson area," Smith said. "We wanted to do something to let her know how grateful we are."
After accepting the award, Fuller later discussed the importance of giving back to the community.
"These children are our future, and we have to make sure they get the best start in life. These kinds of programs will help give them that boost," Fuller said.
The Little Tigers program grew out of the Washington Addition Prenatal Early Childhood Project, which had received a $1.6 million, five-year grant from the Robert M. Hearin Support Foundation. The Washington Addition project only targeted children from that neighborhood, so the program had limited resources for the children who came from other areas of the city, said Smith.
"We didn't want to turn anyone away," Smith said. "Dr. Fuller and the JSU Division of Athletics staff came to our rescue with food, sports items and T-shirts for the students."
There are about 40 families enrolled in the program, which is in its fourth year. The children participate in a number of activities designed to ensure they are ready to begin — and thrive — in kindergarten and first-grade. The children are given books, and they spend time in the Harris-Gambrell Reading Center located at the college.
"We take them on field trips and show educational, fun movies," said Angela Gobar, Ph.D., project director for the Washington Addition Project.
Gobar said parents are encouraged to be a part of their children's learning experience by reading books aloud to them and initiating other school-readiness activities.
Past activities have included "Music Day" and "Healthy Food Day," when the art of music and the benefits of healthy eating were emphasized.
Thursday's session focused on exercise. A group of youngsters jumped on trampolines, and played with hula hoops as Jacqueline Jackson, Ph.D., who is the director of Kids Kollege, explained how exercise is beneficial to academic growth.
Carla Hammond-Harvey is a teacher for the program, but her child is also enrolled. Hammond-Harvey said she likes Little Tigers because the teacher-student ratio is lower than in other early childhood education programs.
"The children really get a one-on-one experience. It's a close-knit faculty and staff, and I've seen the difference pre-K programs can make in a child's life," Hammond-Harvey said.
For more information about the program, contact Ingrad Smith, at 601-979-2351.


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Image via WikipediaYou'd expect me to follow Netflix closely - and indeed they have always been a beacon of the on-line revolution. Disrupting the established methods of distributing movies to consumers in a significant way - leading to the inevitable demise of Blockbuster (once the brief on-line battle had been won) their dedication to great customer service has been a constant theme.
LoveFilm after a series of mergers - has meant a more intensive tracking than normal of a much admired business. Listening to Reed Hastings, Netflix, outstanding founder and CEO and comparing his metrics with our own every quarter has been an education.
The Netflix stock-price has always suffered the overhang of those who believe that the DVD's days are numbered and that digital streamed delivery would render Netflix's obsolete or at least would open up significant more competition than it has experienced hitherto.
Netflix has consistently come up with the answers - first by explaining that DVDs would be around for a lot longer than people thought - then by offering streamed movies themselves and agreeing that DVDs would indeed die at some point not too far in the future. Mostly however, Netflix has delivered results. Consistently meeting and beating the street's forecasts.
After music, then books, newspapers and magazines, movies are bound to be the next digital 'goods' to be widely distributed over the new platforms.
So, is Netflix in a very vulnerable position? Or is it perfectly placed, with a fiscal relationship with 12m subscribers who pay them each month. Its relationship with the movie studios - who will ultimately decide how and when their product is distributed is clearly another factor.
There are a handful of digital companies (outside of the main utilities) with such a close, regular and continuing transactional relationship. Netflix is a more than a "DVD by post" business, they are an entertainment distribution platform.
Is this realisation behind the recent exceptional surge in the Netflix share price? It has trebled in the past year despite the continuing stream of news heralding new competitors. Walmart's acquisition of on-line movie service, Vudu is the latest. Hulu, Apple, YouTube, BestBuy the list is long and powerful.
The battle for movies will start soon.
Not even Reed Hastings sale of 10,000 shares last week has dented its apparent strength.
For all Facebook and Google's power, neither of them has a direct financial relationship with consumers. Though clearly they will move in that direction.


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A "carnival" takes place at one blog; it is a conglomeration of links (from many different blogs) to posts on a certain theme. Children's books and reading are the focus of the Carnival of Children's Literature. Carnivals generally include one post from each blog who wants to join in.The Book of Life participated in the 13th Carnival of Children's Literature, hosted at Jen Robinson's Book Page. Jen's blog promotes the love of reading among children and the continued reading of children's books by adults, a sentiment I heartily agree with!
The Carnival has links to children's-literature-related posts from a wide variety of literary blogs. Our post, which relates to the Sydney Taylor Book Awards, can be found in the section labeled "The Midway (About Prizes and Awards)."


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Nashville, Tenn. – Last Thursday's Tennessee State Football Prospect Camp in Chattanooga brought a close to a long two weeks for head football coach Rod Reed and his staff.
On June 3 through 6, Reed and other TSU coaches held the TSU Lil' Tiger Camp for boys ages 6-14. The program then hosted high school students on June 7 in Nashville, June 9 in Memphis and June 13 in Chattanooga.
At the Lil' Tiger Camp, approximately 40 kids from around the area worked on the fundamentals of football including throwing, catching, blocking and defensive positioning while receiving instruction from TSU coaches.
The campers performed agility drills that included running around cones and over blocking pads. They also scrimmaged using flags instead of tackling.
The Prospect Camps were more detail oriented and involved potential recruits being evaluated and coached by the TSU staff.
The program had a great turnout for the state-wide camps as over 70 kids in the Nashville area participated and over 100 turned up for the event in Memphis.
Up next for the TSU coaches are the Fourth Annual Music City Shootout and Offensive and Defensive Line Camp on July 20.


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my freind and i have used the board before and always seem to have good luck with it. before every session i always make it clear that we do not wish to talk to a harmful spirit and a good one seems to come to us everytime, but i kno spirits can lie is there any way i can tell if they are?
Ok well anyways we were talking on the board and my freind asked the spirit about a girl who went missing from our town and the spirit said she was dead and they were going to find her body in 7 days, i asked who the killer was and they gave me the first name and last name and the town they lived in so i looked the person up and it came up with 3 matches so we got on the board again and asked the middle initial and the age and it matched with 1 person. so this morning 3 days later me and another freind who had never used a board before were using it and we got a spirit surprisingly fast. well i didnt know who they were becasue we were talking to someone named alex and then someone else came on and they went over they kept going over the ouija sign over and over again and they said "to late" and i said the missing girl and they said "yes" then it went to "4 more days" and "goodbye".. i am worried because if they find her body and they dont catch the person who killed her i will know who it is and i sort of feel i have a responsibility to this girl now. i kno i am kinnda rushing things but in 4 more days when they say shes dead i would like a little advice before then. I am going to get back on the bored in a couple more days for some awnsers but i need to wait for a bit b/c i dont want to become dependant
ok well thanks allott for reading this story and i would really appreciate ANY type of advice
Edited by Tbabyg369, 13 July 2005 - 06:31 PM.


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WINNIPEG - Free agency, an early headache for the Winnipeg Blue Bombers last season, could cost them again in 2013, but at least some key players coach Tim Burke wants back seem inclined to say yes.
The Canadian talent pool and defensive and offensive lines suffered last season with the loss of Don Oramasionwu to Edmonton and Brendon LaBatte to Saskatchewan.
Now, seven members of Winnipeg's defence are poised to hit the market Feb. 15, unless they sign again with the Bombers.
They are defensive backs Jonathan Hefney, Deon Beasley and Johnny Sears, linemen Jason Vega, Bryant Turner and Fernand Kashama, plus linebacker Marcellus Bowman. Only Beasley isn't a starter.
Sears is on Burke's list of speedy backs who can hit that he would like to retain. He has his eye on him for the strong-side linebacker spot, also know as SAM, that was hard to fill this season.
"I really liked the way Johnny Sears played there, I hope we get him back," Burke said.
Sears, with a team-high three interceptions in 2012 and sixth in tackles, fits the mould that Burke sees as a recipe for success on defence.
The feeling is mutual.
"The locker-room here is great," Sears said on the weekend.
"It won't be hard for me to come back and try to keep things going and make that push for the Grey Cup next year."
He didn't rule out taking a look at the NFL, but he also has to wait to see if a knee injured late in the season might need surgery.
"That's one of my dreams (the NFL), from when I was a little kid, but at the same time I've got to be smart about my decision."
He's OK with playing SAM, although it might not be his first choice, and suggested he wouldn't wait until Feb. 15, the date when he would become a free agent, to make his decision.
Burke knows they might not hold everyone. Hefney, who led the Bombers with his 74 tackles in 2012, has already said he wants to see if there's any interest from the NFL.
After a breakout 2009 rookie season in Winnipeg, he was signed by the Detroit Lions. But after a pre-season appearance and two weeks on their practice roster in 2010, he was back with the Bombers.
"It's not a sure thing by any stretch of the imagination," Burke says of the odds he'll get everyone he wants back. "There might be one or two that slip away but, certainly, we're going to make an effort."
Vega, with five quarterback sacks this season, 40 tackles and a forced fumble, suggests he wants to stay with the Bombers.
"I've grown to love the community and the support that we've had and the familiarity we've had with the coaches," he said as he cleaned out his locker on the weekend.
"We obviously need to bring in a defensive co-ordinator, hammer out some coaching situations and see what's best for me and what's best for the team."
But he doesn't think that is going to an impediment.
"I'd like to think I can work with a lot of people."
Burke was defensive co-ordinator until he was thrust into the head coaching job mid-season, after Paul LaPolice paid the price for Winnipeg's stumbling start.
He was confirmed as the head coach for 2013 on Nov. 1 and is looking for a replacement that shares his philosophy that speed is what counts on defence.
Casey Creehan's name has been bandied about but he's locked to the Ticats unless they cut him loose. He spent a couple of seasons in Winnipeg as linebackers coach before going to Hamilton.
Receiver Clarence Denmark, quarterback Justin Goltz and running backs Chris Garrett and Carl Volney are the free agents on offence.
An Achilles tendon injury in practice snuffed Garrett's plans to return as Winnipeg's starting tailback in 2012 and he watched as rookie Chad Simpson racked up 1,039 yards.
Now he's just waiting another couple of months until he finishes rehab and is anxious for next year's training camp, so he can challenge Simpson and "show everybody that I'm the same player I was before, maybe better."


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