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The simplest way to speculate on rising gold prices is to buy gold itself, this is no secret. However some investors and traders wish to add leverage and optimize their position to increase their exposure and profits. Traditionally, investors would buy gold mining stocks to increase exposure to the gold price. The rationale behind this theory is arguably based on sound accounting principles but fails in practice.
Imagine a mining company that produces one ounce of gold a year. The cost to mine this one ounce is fixed at $1,000. The price of gold and consequently the companys revenue is stable at $1,500/oz giving yearly net profit of $500.
Now say the price of gold increases by 10% from $1500 to $1650. A gold investor has made a 10% return. How about the investor in the mining company? They only variable that has changed is revenue, which has increased to $1,650 and consequently profit has risen to $650. This is a 30% increase from last year which one would expect to see reflected in the share price.
Theoretically this is a very attractive way to profit from a rise in the price of gold but in practice the results are far less flattering for mining companies and their shareholders.
Weve looked at this topic before and explained in great detail why Are Gold Stocks The Real Barbarous Relic.
Not too long ago when financial markets and instruments were far less flexible and available than they are now, leveraged exposure to gold was very hard to achieve. Gold stocks used to be the best way for the ordinary investor to increase exposure in the search for higher returns.
Nowadays, leverage is extremely easy to come by, even for retail investors. There are a massive amount of derivative products that allow exposure to the gold price for small to medium investors as high as 100:1 or more. These include CFDs, options and leveraged ETFs.
These derivative products are far superior instruments to profit from a gold rally than mining stocks. Why is this the case? Mining stocks do not track the price of gold closely at all, as anyone who invested in the gold mining sector in 2012 will tell you (Thankfully this group does not include us nor our subscribers).
The above chart shows two gold mining index ETFs, GDX and GDXJ which track a basket of gold mining stocks compared to GLD which exactly tracks the gold price. In 2012 the mining indexes have been down as much as 25% and are still showing a negative return. Losses are sometimes part and parcel of investment, but if one correctly predicted a rise in the gold price in 2012 (currently up 8%) and bought into a gold mining stock such as GDX or GDXJ to profit from this view, theyd be immensely frustrated with the performance of gold stocks despite golds 8% rise.
Reasons for the poor and unpredictable performance of gold stocks are covered in Are Gold Stocks The Real Barbarous Relic?
Let us reiterate were not here to disparage the gold mining industry or gold mining stocks. Money can be made in this sector. However, using these vehicles to profit from a rally in the gold price is a poor strategy. Comparing the return on gold to the return on gold mining stocks all the way back to 2007 is further evidence for this:
Miners have returned a miserable 24% since 2007, whereas gold is up 159%.
For comparisons sake, since mid-2009 SK Option Trader has returned 470%.
How have we generated this sort of return? Well for one weve avoided mining stocks (except for one trade where we speculated that gold would outperform the miners we were correct). But pivotal to our success is the flexibility and opportunities that option trading allows.
Unlike mining stocks, gold options are directly related to the price of gold. If one holds bullish gold options and gold rallies, a profit is made which is not always the case with mining stocks. Options are the most flexible financial instruments ever created. One can speculate on the price of a stock/commodity at a certain time in the future, whether that be up, down or unchanged.
The advantages of options extend further because with options:
- · Leverage can be customized
- · Timing is flexible, one can speculate on the gold price next week or in two years or more
- · Downside is known and limited
- · Upside is unlimited, with huge returns in short time frames easily achievable
And best of all gold options are not subject to the numerous costs and risks mining stocks are exposed to, which we have covered in Are Gold Stocks The Real Barbarous Relic?
Weve had several options trades return well over 100% and with gold set to rally very soon, we think we have some more big winners on the cards. One of our currently open trades is up 69% in 50 days, in what has been a relatively tame market. We expect more when things take off.
Big returns are generally compensated by big risks, as finance 101 will have you know. Derivatives and options by their very nature carry risk and in the same manner returns are amplified, so too are losses.
Options provide great opportunities for those from both ends of the risk aversion spectrum. Devoting even only a small percentage of an investment portfolio to gold options can enhance its performance, unlike gold mining stocks.
SK Options Trading has a proven track record of consistency and performance. Out of our 102 trades, 93 have closed at a profit for an average return of 34.96%. Our model portfolio is up 470.14% since 2009. Our mixture of fundamental and technical analysis and what can only be described as pin point market timing is our recipe for success. We are measured and our number one priority is the growth of our subscribers portfolios. Paramount to this is being very careful to avoid losing any of it!
Proof of our calculated approach was clear very recently. We correctly foresaw choppy, foggy trading over summer. We largely stayed out of gold over this time in anticipation of better opportunities in the future. And of course we have been avoiding the mining stocks since 2008.
Our weekly subscriber update from the 23rd of July included the following chart:
Along with the following commentary:
Gold has been forming a symmetrical triangle formation over the last couple of months, however it is only a matter of time before the yellow metal breaks out of this range, since the upper and lower trend lines will meet in just a few weeks.
We think that gold prices will break upwards and out of this formation, driven by weaker US data and/or hints at further easing of monetary policy.
Another piece of technical analysis that also indicates a major move in gold prices could be coming soon is that of the Bollinger Bands (BBs), which are a measure of volatility.
Weekly BBs are shown on the chart below (in blue overlay) and the width of these bands is show in the black line overlaid. Tighter BBs are a result of lower volatility.
As one can see, volatility in gold has been decreasing in gold for some time, however it is now approaching levels that it has previously bounced on. Volatility cannot decrease forever and in the current economic climate we think that there is enough uncertainty to speculate on a large move happening in gold in the coming weeks and months. Our research suggests that this move will be to the upside, given the lack of momentum in the US and global economies and the current record low levels of real interest rates.
We were correct in saying gold prices would break out of this range and to the upside, as they have done:
Again we were correct in saying hints at monetary easing would be the driver. Ben Bernanke has recently opened the door to monetary easing. If Bernanke delivers, gold will rally very hard. Volatility has also risen.
At the time we traded on the back of this view, and advised subscribers of our actions. As a result were sitting on a trade thats up 69% in 50 days. Were still holding it as we think gold has much greater heights to reach before long and we anticipate even more profit. Subscribe now to see this trade and others in the future.
$1,000 invested in this one trade would have returned more in 50 days than investing $8,000 in gold outright would have returned in the whole year!
Not only that, but the profit on the $5,000 trade would have covered our subscription fee many times over with just one trade!
Our performance trading options is exemplary by any standards. In contrast, the mining stocks continue to falter.
Bob Kirtley
SK Options Trading


text:
- Value
- $35.00
- Discount
- 77%
- You Save
- $27.00
7 bought
Plethora of coffee flavors
Wide selection of drinks
Laid-back ambient
Free Wi-Fi
Fine print
Limit 1 coupon per person
Not actual with other offers
Expires October 31, 2011
Must be redeemed in one visit
Ever happened to notice what kind of nonsense you can write, draw, type, build, cook, craft or else while dozing off? How many wonderful things would never come to existence if nothing could help the author shake off the grasp of sleep and catch the elusive tale of a genius thought? Todays' deal will get you the wake up pill, for as less as $8 you can get up to 20 cups of 100% arabica fresh coffee.
Once it was said that attention to details is the greatest power for writer and investigator. Attention to details is the strong point at Magnetic Coffecup, The vintage design of Magnetic Coffeecup's interior is targeted at the maximum coziness, warming the wandering visitors with savory drinks and free Wi-Fi. Apparently this is made to attract the best writers and investigators in there. The laid-back atmosphere will make you lose the track of time and in case you have munchies, they can easily be eliminated with the vast variety of sandwiches, cookies, rolls, wraps and paninis available. So that's the great place for you to complete your play or analyze the evidence collected, keeping you up, full and cozy for a long time
More than 20 Yelpers give the highest 5 start to Magnetic Coffecup, and 78% of 62 urbanspooners like this place
"The staff is helpful, but not molesting. Here's where I can enjoy the cup of fine coffee and social networking" Jannet, Urbanspoon
Curious facts about the coffee
The modern worldwide recognized coffee has first been consumed by the ancient Ethiopians. The story tells about Kaldi, the Ethiopian shepherd, who spotted the unusually energetic behavior of the entrusted goat. The first evidence of coffee drinking dates back to 1671, the Yemen monks used to absorb the knowledge of the coffee tree through drinking the brew made of its beans. Coffee won widespread appreciation in Arabia as it allowed to partially lift the ban of alcohol letting enjoy the adrenaline without breaking Islamic rules.
The planet is vested with the so called Bean Belt, coffee is only grown in the tropic regions. Coffee is the second most exported merchandise after the oil. Coffee tree can reach up to 30 feet, but it actually never reaches this height, otherwise the beans would be hard to pick. The coffee beans are the seeds inside of the scarlet red berries. They are extracted and roasted until they pop. Majorly two most popular types of coffee are cultivated: robusta and arabica, the first one is characterized with higher percentage of caffeine. Espresso has nothing to do with tree species or roasting, it practically is the preparation way.

subset: commoncrawl


text:
Recently I got asked by my friend Beau at ClickBank, to create a set of videos on how to create simple and easy sales videos for your products on ClickBank.
Of course, I jumped in right away, and started creating the videos. And today's video is the first of three parts.
Inside today's video, you'll learn about:
- Which camera you should use for creating high quality online videos…
- The best, and most affordable software programs to use to create videos really fast…
- And any extra bits of equipment you may need for creating crystal clear online videos…
If you've got any further questions about the equipment I use for creating my videos, please leave your comment below
Stay visible!
Gideon Shalwick
Transcript Of Today's Video
Click Here To Read The Transcript
Hi there, my name is Gideon Shalwick and inside this video I want to talk about something that I get asked a lot, "What kind of equipment do you need for creating your own online videos?"
I'm going to talk about the solutions that I've discovered over the last four years. They are what I think are the best possible solutions to help you create online videos fast, but still at very, very high quality. I'm going to make sure they are affordable solutions for you as well, because that's always an issue, too.
I'll talk about:
- What kind of camera you'll need
- What kind of computer
- What kind of software
- and any sort of extra equipment that you'll need
to be able to create your very own professional-looking online video.
Let's Talk About The Camera
There are a number of options that you can use for creating your own online videos when it comes to cameras. Unfortunately, there are so many to choose from that it often becomes a difficult choice. Luckily, today there are a few cameras that stand out that I believe are the best possible solutions for online video, so let's look at a few of them.
At the top of the list is the Flip Ultra HD camera – that's the top of my list at least. What's great about this camera is that it's very affordable. It allows you to record really nice high-quality videos, and the file formats are such that you can easily use them on your computer.
The second little camera that I want to recommend is the one from Kodak Zi8. That's another great little camera. The only thing I don't like about this camera is that it has a rechargeable battery, which is kind of cool, but you can't replace it, whereas with the Flip camera you can actually replace the battery for that if you're in the field.
The next camera I want to recommend is the Creative Vado. It's kind of similar to the Flip or the Kodak Zi8, but is has a few other nice little features. The recording quality is not as good, but it's still a great little camera.
The next camera is if you're a little bit more concerned about the quality of the video and you want to make it look really, really professional. Of course, this camera is a little bit more expensive too. It's the exact same camera that I'm using for recording this very video that you're watching right now. It's the Canon T2i Rebel or the Canon T2i 550D in non-US countries. As you can see, the quality of this video is just outstanding, but it comes at a bit of a price tag compared to the other three cameras.
So those are the four different cameras that you can use. They're very, very cool little cameras and they all do a fantastic job at recording your videos for the internet.
What About The Computer?
Do you need a fancy kind of computer to be able to do the editing of your videos or to be able to process the videos? Well, if you've got a computer that's about two to three years old, that should do the job.
Obviously, the faster and newer your computer is, the better. These solutions work for both PC and Mac. It doesn't matter if you're on PC or Mac. These cameras will work beautifully on both as well.
Let's Talk About The Software You'll Need For Editing Your Videos
First I'll mention the software on a PC and then the software you'll need for a Mac.
If you're on Windows, it should come with some free software called Movie Maker. That's pretty cool software that you can use just like that, and it should work with these cameras, but it's free so it's quite limited in its features.
The next bit of software that I recommend is Sony Vegas, the HD version. That's really beautiful software for editing your videos and exporting it to the right format. It's just excellent, and it's affordable too.
If you're on a Mac, of course it comes with the free software, iMovie, which is great software. You can just use that and it does a wonderful job. If you want to take it a notch up and spend about $100, get yourself a copy of ScreenFlow. That's wonderful software for recording both your screen and also to be able to import videos from your camera into ScreenFlow and to do the editing inside there. It's a great piece of software.
So for PC it's Movie Maker or Sony Vegas, and for Mac it's either iMovie or ScreenFlow.
What About Some Extras?
There are a couple of other things that you can use, but you don't have to. It's up to you.
If you want to increase the sound quality of your videos, I recommend you use an external microphone. Unfortunately with the cheaper cameras, they don't always have an external microphone jack.
The Kodak Zi8 comes with an external microphone jack that you can plug a microphone into, which is pretty cool. Of course, the Canon camera that I mentioned has an external microphone jack as well which you can use for that purpose.
When you use an external microphone, the sound is a lot better. I'm actually using an external microphone for this particular recording. As you can hear, the sound is pretty good.
The other thing to think about is your lighting. Basically the better your light is, the less high-quality camera you need for getting high-quality video. If you have a really good camera like the one I'm using for example now, the lighting requirements become less.
But for the smaller and cheaper cameras like I mentioned before, you may need some extra lighting, especially if you're recording indoors, to just light up your object a bit more and help you get a better quality image.
For that you can use any household sort of lamps or lights that you have. Just make sure they don't shine straight onto your face so it over-exposes your skin. But if you want to take it to the next level you can buy something like cheapo construction lights, which are about $60 from your depot store.
If you want to take it to the next level, I recommend something like fluorescent lights. They're a bit more expensive, but they can provide you with some really good non-flicker light that doesn't get hot. The lights from the depot can get pretty hot and be quite sweaty, especially if you're inside.
But of course if you don't want to use lights, recording outside is the best. You can get some really good lighting positions outside on a nice sunny day, or even an overcast day as well.
That wraps it up for all the equipment you'll need for creating high-quality videos at pretty high speeds as well, and at a budget that you can afford.
If you'd like to learn how I make a six-figure income from online video, simply go to www.RapidVideoBlogging.com and you'll be able to download a free report of about 80 pages that shows you exactly what I do to get lots of traffic to my sites, build my email lists, and eventually to make some pretty good money from that.
Just go to www.RapidVideoBlogging.com and you'll be able to download your free report from there. Thanks for watching and I'll see you inside the next video.


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Item Description
Kansas A Free State. Squatter Sovereignty Vindicated! No White Slavery!
Author: No authors specified.
Date: September 24, 1855
Broadside advertising a series of mass meetings in support of the free state cause, with Charles Robinson as the speaker. The original is on display in the Kansas Museum of History, Topeka, Kansas.
Location of Original: KSHS Call Number: Port Vault K 329 F875k 1855
Item Number: 100106 Number of images: 1
Keywords: Antislavery; Brown, Orville Chester, 1811-1904; Conway, Martin Franklin; Free state cause; Goodin, Joel Kishler; Holliday, Cyrus Kurtz, 1826-1900; Robinson, Charles, 1818-1894; Speer, John, 1817-1906; Squatter sovereignty; Stewart, John E.
pg. 1


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1675 Highland Ave.
Madison, WI 53792
(608) 263-6420 | (800) 323-8942
MyChart is a secure, interactive patient portal where you can view portions of your medical record such as lab results, send messages, and more. Request a MyChart account now
UW Health's Pediatric CHARM Clinic at American Family Children's Hospital offers comprehensive, individualized care for children with Cloaca, Hirschsprung's Disease and anorectal malformations, congenital problems that affect the anus, rectum and part or all of the colon. Learn more about the Pediatric CHARM Clinic


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Brazilian artist Victor Hugo has quite the thing for Street Fighter, and I've quite the thing for his take on the fighting series, falling as it does somewhere between "next-gen fighting game" and "Hollywood animated movie".
So it's great to see him putting that to some serious work, teaming up with an animator friend for Street Fighter III – Fuurinkazan, a fan flick that, if his static 3D models are anything to go by, will be blowing our socks off.
Victor Hugo [Site]


text:
Science literacy is needed in America now more than ever, which is why St. Bonaventure embarked on one of the most ambitious projects in the university's history — construction of the William F. Walsh Science Center and the renovation of De La Roche Hall.
The science center, a 46,500-square-foot building attached to De La Roche by glass-enclosed walkways, opened in fall of 2008. It houses state-of-the-art computer science, laboratory and classroom space, biology labs, organic and general chemistry labs, a Natural World lab, a 150-seat indoor amphitheater, and faculty offices integrated with lab space for better student-teacher accessibility.
Work also included a top-to-bottom renovation of the historic De La Roche, the oldest academic building on campus. The renovations have many of the same finishes used in the Walsh Center to help provide a more seamless connection of new and old.
The initiative doubles the academic space available to students studying the sciences at St. Bonaventure.
Application forms, procedures and additional information
There are many ways to experience
St. Bonaventure for yourself
Learn more about the programs that interest you


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Students should meet with their faculty sponsor in making decisions about pursuing internships. Some agencies want students to contact them as early as possible; often, the end of the semester prior to the internship is best. This is a sampling of possible internships; others may be arranged to meet student interests and community needs.
Advocacy Center
P.O. Box 164
Ithaca, NY 14850
(607) 277-3203
45 hours of training. Counselors provide supportive counseling, crisis intervention and accompaniment through medical and legal procedures to victims of rape, sexual assault, and sexual harassment. There are also volunteer positions for educators, fundraising, and office work.
AIDS Work of Tompkins County
501 S Meadow St.
Ithaca NY 14850
(607) 272-4098
Volunteers at AIDS Work can participate in a number of activities from office work and fundraising to operating AIDS information tables.
Alcoholism Council
201 East Green St.
Ithaca, NY 14850
(607) 274-6288
There are several possible positions for students who are fully committed to the field. Areas of internship can include education training as well as clinical (though clinical is often limited to graduate students, there may be a possibility for a placement for an undergrad with experience, and a commitment to 15-18 hours a week over two-semesters). Talk with the professor before contacting the agency.
Beechtree Facilities
318 S. Albany Street
Ithaca, NY 14850
Contact John Eilers-Lloyd: (607) 273-4166X 122
Email: email@example.com
Beechtree Care Center is a not-for-profit, skilled nursing residence and rehabilitation center located in the heart of the Finger Lakes in downtown Ithaca, New York.
Breast Cancer Alliance/Ithaca Breast Cancer Alliance
612 West State St.
Ithaca, NY 14850
Contact Jyl Dowd (607) 277-9410
The agency provides information, support, and advocacy for anyone affected by breast cancer. These internship opportunities include outreach and support services. Possibilities to coordinate walk-a-thon, write/edit newsletters, brochures, or articles for publication, and other special projects based on intern's past experience and capabilities. A good knowledge of computers is beneficial. Transportation is not necessary as the agency is located on the bus route.
Cancer Resource Center
612 West State St.
Ithaca, NY 14850
(607) 277-0960
The mission of the Cancer Resource Center of the Finger Lakes is
to create and sustain a community of support for people
living with and affected by cancer.
Cayuga Addiction Recovery Services
P.O Box 789
334 West State Street
Ithaca, NY 14851
(607) 273-5500
Cayuga Addiction Recovery Services provides resources, caring, and effective recovery services dedicated to improving quality of life by promoting individual strength and respect.
Cayuga Medical Center
101 Dates Drive
Ithaca, NY 14850
Volunteer Office: (607) 274-4323
Cayuga Medical Center is the local Hospital of Ithaca, NY that contains both adult and adolescent psychiatric facilities.
Challenge Industries
950 Danby Rd, Suite 179
Ithaca, NY 14850
Contact Mart Gold (607) 272-8990
Challenge Industries is a non-profit location rehabilitation center. This organization serves the vocational needs of people with developmental disabilities, offering assistance for anything involving circumstances affecting working. Interns are paired with full time staff members to assist with interviews, questionnaires, and supervising training. Possibilities include working on to one, crises work, case work, developing service plans, making contact notes, updating files, making referrals, and advocating the client. Training is provided and supervision is given based on individual interest and abilities. Opportunities are flexible according to the student's needs; the greater the number of hours each week, the greater the opportunities to handle all aspects of individual caseloads. Fewer hours per week provides for opportunities to learn and demonstrate interviewing skills. A two-semester commitment is preferable but not required. Location on block from the Commons, no transportation is necessary.
Child & Adult Protective Services
Human Services Building
320 West Martin Luther King, Jr./State Street
Ithaca, NY 14850
Email: email@example.com
It provides services surrounding foster care treatment and placements, independent living, family preservation, and home finding (foster and adoptive parent services). Emphasis is on foster children and parents. Internship opportunities include conducting case planning and site visits, interviewing and assessing, and participating in case planning for teaching life skills towards independent living. It may also involve recruiting and training foster parents, and following up with home visits and supportive services. For Home Finding, it is better for the student to have more hours per week rather than a two semester commitment, and for Treatment Foster Care and Independent Living, a two semester commitment is preferable but not required. Transportation is not necessary, agency is located several blocks from the Commons.
Children & Family Services
127 West State Street
Ithaca, NY 14850
(607) 273-7494
Family & Children's Service of Ithaca is the primary private non-profit provider of mental health services in Tompkins County for children, adolescents, adults, seniors, and families. Most internships are part of the DAP program, which is the Dispositional Alternatives Program, a community-based, family-centered program, provides comprehensive, supportive services to youth, aged seven to 18, and their families. Through counseling, case management, enrichment activities, family meetings, and referrals and follow-up services, DAP fosters positive changes in behavior and attitude for youth who are having difficulties at home, school, or in the community.
Community Dispute Resolution Center
120 West State St.
Ithaca, NY 14850
(607) 273-9347
It provides assistance to individuals in Tompkins County who are interested in solving conflict and a wide range of disputes through mediation services. Everyone in the office shares the duty of answering phones, writing contact letters, and other clerical work. Student works with all aspects of a case, including sending it off to Albany. There are opportunities to observe mediation and if desired, become a mediator. A 40 hour training session is offered to students interested in becoming a mediator. A two semester commitment is preferable but not required, and supervision is based on the student's needs. The agency is committed to learning the student's objectives up front to determine whether it will meet the student's and agency's needs. The agency is located on the bus route, so no transportation is necessary.
Cornell Student Disability Services
Student Disability Services
Cornell University
420 CCC, Garden Ave. Ext.
Ithaca, NY 14853
(607) 254-4545
Student Disability Services strives to create and sustain a welcoming, accessible, and supportive environment.
District Attorney's Office – Victim's Assistance
320 North Tioga Street
Ithaca, NY 14850
(607) 274-5461
The Tompkins County District Attorney's Office is responsible for prosecuting criminal offenses defined under State law, committed within Tompkins County. A broad range of offenses are prosecuted, including the most serious felonies (murder, rape, robbery, etc.) down to traffic infractions (e.g., speeding).
Finger Lakes Independence Center
215 Fifth Street
Ithaca, NY 14850
(607) 272-2433
To empower all people with disabilities while creating an inclusive society through the elimination of social and architectural barriers.
The Franziska Racker Center
3226 Wilkins Road
Ithaca, NY 14850
(607) 272-5891
Franziska Racker Centers is a voluntary not-for-profit dedicated to creating opportunities for people with special needs. Throughout the organization's history, our goal has always been to be responsive to the needs of individuals not only to provide services, but also to offer each person and family opportunities for growth and learning.
The Glove House
572 Warren Road
Ithaca, NY 14850
(607) 257-7035
Greater Ithaca Activities Center (GIAC)
301 West Court St.
Ithaca, NY 14850
(607) 272-3622
This is a multicultural agency providing recreation programs as interventions for youth. Internships are arranged with a variety of program possibilities: opportunities for participating in program design and development, and on to one work with youth at risk (ages 4-10 yrs.). Varied hours and opportunities. One internship area is the A+ Program, which is an after school program involving homework and other educational activities for students. Interns are encouraged to determine where in the program they will work best, and to initiate special projects based on individual skills and interests. An orientation dinner is required. May be beneficial to contact center during semester prior to internship.
172 East King Rd.
Ithaca, NY 14850
(607) 272-0212
The program functions to work with patients who are terminally ill. This includes providing care to patients in the residential center and in their homes in the community. Opportunities are often based on the students needs and interests; best for placements that require a maximum of 4 hours per week. A 21-hour training program is provided; one-year commitment is preferred. Students need own transportation. Talk with professor before contacting.
Human Services Coalition
100 West Seneca Street, Suite 300
Ithaca, NY 14850
(607) 273-8686
Information and Referral Service is a program of the Human Services Coalition. The program maintains a database of detailed information about community service, non-profit activities and volunteer opportunities. Staff and volunteers use this database to help solve problems and find information about services offered in Tompkins County. Information and Referral produces three publications utilizing this database including the Community Service Guide and the Guide to Volunteer Opportunities in Tompkins County. Internship for students interested in learning about the organization and entry of information into data base records. Of particular interest to students who want a focus on community organizing, local government, and information science. Two semester commitment if preferred, but not necessary. Interns should have 3-4 hour time slots open during the days at the agency. No transportation necessary, located near the Commons.
Ithaca Community Drug Treatment Court (ICTC)
Community Justice Center
312 N. Cayuga Street
Ithaca, NY 14850
Contact Darlene Desmond: (607) 277-1455X 10
Email: email@example.com
The mission of the Ithaca Drug Court is to establish coordinated mechanisms for identifying defendants at the earliest stages of the judicial process whose crimes are either directly or indirectly related to alcohol and drug addiction; insuring that these defendants receive appropriate substance abuse treatment; and provide education, vocational training, and employment to those who enter and successfully complete the rehabilitation process associated with the Ithaca Drug Treatment Court.
Ithaca Housing Authority: Family Self-Sufficiency Program
798 South Plain Street
Ithaca, NY 14850
(607) 273-8629
The agency works towards helping low-income families achieve self-sufficiency. The current program involves the Three Pillar Foundation emphasizing educational, financial, and community support. The intern is able to work on a variety of projects, based not only on the agency's needs, but also on the student's needs and interests. Experience allows for great flexibility, and initiating projects in encouraged. Transportation is also helpful, but not necessary. Agency location is different from mailing address.
Ithaca Police Department
120 East Clinton Street
Ithaca, NY 14850
(607) 272-9973
The Mission of the Ithaca Police Department is to enhance the quality of life in our community by working cooperatively with the public and within the framework of the U.S. Constitution. To enforce the Law, preserve the peace, reduce fear and provide for a safe environment for all of our citizens.
Ithaca School District
• Belle Sherman Elementary - (607)274-2206
• Beverly J Martin- (607)274-2209
• Boynton Middle - (607)274-2241
• Caroline Elementary- (607)539-7155
• Cayuga Heights Elementary- (607)257-8557
• Dewitt Middle - (607)257-3222
• Enfield Elementary - (607)274-2221
• Fall Creek - (607)274-2214
• Ithaca High - (607)274-2143
• Lehman Alternative Community - (607)274-2183
• Northeast Elementary - (607)257-2121
• South Hill - (607)274-2129
In the past, students have had internships with school psychologists and in classrooms. Ask your professor about current opportunities.
Ithaca Youth Bureau
1 James L. Gibbs Dr.
Ithaca, NY 14850
The Ithaca Youth Bureau strives to provide youth with the tools they need to build a successful life for themselves and change the world for the better.
Lakeview Mental Health
114 S. Geneva Street
Ithaca, NY 14850
(607) 277-4768
Lakeview has helped thousands of people enhance the quality of their lives by developing skills needed to achieve their goals and be productive members of their communities. Lakeview also owns and manages high quality, affordable housing.
Lansing Residential Center
270 Auburn Road
Lansing, NY 14882-8944
(607) 533-4262
Lansing Residential Center is a medium secure correctional facility for girls ages 11-17 who have been adjudicated by New York State family courts for various criminal offenses.
The Learning Web
515 W. Seneca St.
Ithaca, NY 14850
(607) 275-0122
The Learning Web is dedicated to providing hands-on experiential education through the age-old mentor-apprentice model. This one-to-one relationship teaches young people valuable job and life skills and empowers them through increased self-awareness and self-esteem to make a successful transition to the world of adult roles and responsibilities.
Lehman Alternative Community School
111 Chestnut St.
Ithaca, NY 14850
(607) 274-2183
This is an "alternative" middle/ high public school (grades 6-12) with approximately 260 students. The school is progressive, ungraded, and quasi-democratically run. Students have opportunities to teach some courses, with faculty leading discussion groups, canoe and bike trips, etc. The intern would be assigned to working with faculty/student project or program usually based on the intern's individual interests and/or area of expertise. Positions are available depending on the school's need at the time, with half a year to a year commitment depending on the projects involved. Transportation is not necessary as school is on the bus route.Longview
Loaves & Fishes
210 North Cayuga Street
Ithaca, NY 14850
(607) 272-5457
Loaves and Fishes of Tompkins County is a Christian Ministry which provides a place for free meals, hospitality, companionship, and advocacy for those in need, regardless of their faith, beliefs, or circumstances.
Longview, an Ithacare Community
1 Bella Vista Drive
Ithaca NY 14850
Contact: Your sociology faculty intern professor
Local care facility for elderly population. Opportunities for one to one work as well as group recreational work with elderly population. Opportunities for one to one work as well as group recreational work with elderly population. Internship may include doing needs assessment, program planning, and group work in a variety of recreational and therapeutic area. Facility is expanding and recently moved to a new location near Ithaca College. All arrangements for internships are made through Ithaca College Gerontology Department in cooperation with the Sociology Department.
Mental Health Association
614 W State St # 1
Ithaca, NY 14850
(607) 273-9250
In cooperation with State and National Mental Health Associations, this agency develops, maintains, and coordinates the citizens movement working towards empowerment of individuals, groups, and families participating in mental health services. Provides advocacy and other mental health services, including education and information/referral services. Transportation is helpful, but not necessary. Wide range of opportunities including direct services, information/referral, administrative, and clerical. Three areas past internships covered include the respite program, As Friends program, and general office-based publishing for monthly magazine.
New Roots Charter School
116 North Cayuga Street
P.O. Box 936
Ithaca, NY 14851
New Roots Charter School will empower young people as citizens and entrepreneurs that create just, democratic communities, and thriving green economies that restore the natural world that sustains us.
Oakhill Manor
602 Hudson Street
Ithaca, NY 14850
(607) 272-8282
Oak Hill Manor Nursing Home provides extended-stay nursing care to seniors with varying levels of disabilities in Ithaca, NY.
Offender Aid & Restoration (OAR)
518 W. Seneca Street
Ithaca, NY 14850
(607) 272-7885
Opportunities, Alternatives, and Resources, formerly known as Offender Aid and Restoration is an independent non-profit agency that welcomes community involvement and support. We advocate for the rights and welfare of incarcerated and formerly incarcerated community members and their families in Tompkins County.
Planned Parenthood of Tompkins County
314 W. State St.
Ithaca, NY 14850
Opportunities for internships in variety of areas; possibilities include patient services, sexuality education, public policy, administration, and business. Competitive placement. Generally requires a two-semester commitment and should be set up in the spring prior to the year you want to do the internship. Transportation not necessary, but helpful. On bus route. See professor for more information.
Red Cross Homeless Shelter
618 West State Street
Ithaca, NY 14850
The Homeless Services program provides assistance to those who are homeless or in peril of becoming homeless in Tompkins County. Homeless Services helps participants to find safe and secure housing and to obtain the financial means to sustain it.
Southside Community Center
305 South Plain St.
Ithaca, NY 14850
(607) 273-4190
Volunteers are needed to help children with homework and participate in recreation, drama, computer, and other programs. Volunteers are generally needed from 4:30-5:30 pm.
Suicide Prevention & Crisis Services
124 East Court Street
Ithaca, New York 14850
(607) 272-1505
24-hour hotline. 3-week training begins early Oct.; 15 hrs/month shift commitment thereafter. You'll respond to callers experience problems of living stemming from relationships, school pressure, and employment due to mental illness depression, etc. One year commitment. Work involves crisis counseling by phone, and related activities. Talk with professor before contacting.
Tompkins County Mental Health Center
614 West State Streeth
Ithaca, NY 14850
(607) 273-9250
The Mental Health Association in Tompkins County is committed to developing and supporting the active involvement of ordinary people (including providers, family members and recipients of mental health services) in all aspects of mental health.
Tompkins Learning Partners
124 West Buffalo Street
Ithaca, NY 14850
(607) 277-6442
Volunteer tutors help adults achieve real-life goals in the areas of Adult Basic Education and English as a Foreign Language. Literacy Volunteers provide training and support to volunteers to help adults with reading, writing, math, and computer skills. Volunteers are asked to make a 1-year commitment. The organization is also seeking tutors to help with a pilot program at the Austin H, MacCormick Residential Facility, designed to assist young men (adolescents) in improving their reading and writing skills.
Unity House of Cayuga County
15 Catherwood Rd.
Ithaca, NY 14850
(607) 272-1741
Unity House of Cayuga County, Inc. provides transitional and permanent housing, respite care, and rehabilitative and employment services for adults with mental health illnesses, developmental disabilities, and/or chemical dependencies from which they are recovering.
Women's Opportunity Center
315 N. Tioga Street
Ithaca, NY 14850
(607) 272-1520
The Women's Opportunity Center goal is to help displaced homemakers enter the workforce after divorce, separation, widowhood, or any other personal struggle.
To register for an internship, contact a Sociology Department Faculty to discuss your options. The application form is available here: https://www.ithaca.edu/hs/students/experiential/docs/internshipapps/internapp/.


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On K Smith Tee: Casual Round-Neck Knit Tee. 25'' long. Basic fit. Perfect with a blazer, jeans and stilettos. Premium ITY Knit engineered for high resolution sublimation printing. Machine Washable. Wrinkle free. Made in Montreal, Canada.
Artist name: Badur Jaffer from Vancouver, Canada
Artwork name: ANNUAL MIGRATION
Technique: "Painting"
Style: Landscape
By Leah Dockrill,
Toronto, Canada
By Sandra Boorne,
Montréal , Canada
By Shahrzad Tahmasebi,
Montreal, Canada
By ANNOUCHKA GRAVEL GALOUCHKO,
VAUDREUIL-DORION, Canada
By Diane Huson,
Whitby, Canada
By Elizabeth Covington,
Los Angeles, United States


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It's no secret that as a brand, Free People has a little infatuation with tribal prints. Right now there are a whole slew of them on our website – popping up in fun and creative ways. I would happily add any of these to my closet, but which is your favorite way to rock ethnic prints? Bathing suit, head band, shorts….you tell us!
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2012 is the year the student loan bubble finally popped. While on one hand the relentlessly rising total Federal student debt crossed $956 billion as of September 30, and was growing at a pace that will have put it over $1 trillion by the end of 2012, the one data point confirming the size, severity and ultimately bursting of this latest debt bubble was the disclosure in late November by the Fed that the percentage of 90+ day delinquent loans soared from under 9% to 11% in one quarter.
Which is why we were not surprised to learn that the Federal government has now delivered yet another bailout program: this time focusing not on banks, or homeowners who bought McMansions and decided to not pay their mortgage, but on those millions of Americans, aged 18 to 80, that are drowning in student debt - debt, incidentally, which has been used to pay for drugs, motorcycles, games, tattoos, not to mention countless iProducts. Which also means that since there is no free lunch, all that will happen is that even more Federal Debt will be tacked on to replace discharged student debt loans, up to the total $1 trillion which will promptly soar far higher as more Americans take advantage of this latest government handout. But when the US will already have $22 trillion in debt this time in four years, who really is counting? After all, "it is only fair" that the taxpayer funded "free for all" bonanza must go on.
The latest debt bailout, not surprisingly is not titled "Yet another taxpayer funded bailout for those who bought things they can't afford on credit" as that would not be very politically prudent, especially for those politicians who still have taxpaying citizens as their voters. Instead, its name is the much more PC: "Pay as You Earn Repayment Plan." Alas, it really should be called the former, because what it does is it incentivizes Americans to borrow even more Federal student loans, well aware that there will now always be a cap on the associated monthly interest payment which will never leave a mark regardless what the full underlying loan notional is. It also provides for full debt discharge should the borrowers end up with cushy Federal jobs - because the one thing the US government needs afford is more debt-saddled government workers.
What is the "Pay as You Earn Repayment Plan"? The WSJ explains:
A new federal program should make it easier for some recent college graduates to keep their student-loan payments manageable.
The new option, known as the "Pay as You Earn Repayment Plan," lets eligible borrowers sharply lower their monthly loan payments and qualify for loan forgiveness quicker than they might otherwise.
"It's a very good safety net for students who borrow too much," says Mark Kantrowitz, publisher of the financial-aid site FinAid.org. "If your debt exceeds your annual income, you will probably benefit."
Pay as You Earn, which took effect on Dec. 21, "is designed to help offset the effects of the recession for student borrowers most likely to take a hit in this tough job market," says Lauren Asher, president of the Institute for College Access and Success, which has pushed for the creation of income-based repayment plans.
Which in the New Normal, means everyone with a student loan will benefit. It also means, that courtesy of knowing this safety net is there, more and more people will take advantage of the government's latest generosity with other taxpayer's money.
What are the terms of this new bailout?
The new program comes at a time when rising student-loan balances—amid a still shaky job market—have weighed heavily on many families.
Typically, federal student loans must be repaid within 10 years. At current interest rates, that can work out to a monthly payment of roughly $300 for a borrower with $26,000 in debt.
Pay as You Earn, by contrast, limits student-loan payments to 10% of "discretionary income" as defined by government formulas. Borrowers who make regular payments could have the remaining unpaid amounts forgiven after 20 years.
So much for student debt being non-dischargeable: borrow hundreds of thousands, but make your monthly payment of a hundred or so bucks, and in 20 years you will be debt free, courtesy of US taxpayers. Actually, scratch that: one doesn't even have to make a payment!
In some cases, borrowers with low incomes could be required to make a zero-dollar payment and would still be considered current on their loan. Monthly payments can increase or decrease each year based on the borrower's income and family size.
For those who think getting full debt forgiveness in 20 years is far too long, why there's a loophole for that too: just go "work" for Uncle Sam:
Borrowers with public-service jobs may qualify for loan forgiveness after just 10 years.
As for eligibility "constraints":
To be eligible for the program, borrowers must have taken out their first federal student loan after Sept. 30, 2007, and received at least one federal student loan after Sept. 30, 2011. Borrowers also must meet eligibility cutoffs based on the size of their debt, their discretionary income and family size.
The U.S. Department of Education's Pay As You Earn calculator, available at studentaid.gov, can help you determine if you qualify. Borrowers can apply for the program online or by contacting the loan servicer that collects their payments on behalf of the federal government.
In other words, virtually all people who were responsible for the diagonal take off in the Federal student loan total in the current depression are now eligible for what will eventually be full debt discharge.
So let's get this straight:
- go to some "everyone who applies is admitted" community college
- take on the biggest Federal loan one can get
- use the proceeds for everything besides the tuition (of course)
- be unable to find a job after graduation (naturally)
- plead poverty, accusing evil employers who don't hire those who majored in Foosball, and make "zero" payments while remaining in "compliance"
- get a job working for the government, wait ten years, and have the entire loan magically disappear.
And there it is: incentives for the common, and very much broke, man in the New Normal.
If there is anyone out there who thinks this will not result in a "charge it" feeding frenzy and that the Federal student loan total will not go absolutely parabolic going forward, please raise your hand.
Of course, what is not discussed, is who is on the other side of all those forgiven loans. And the answer, dear taxpaying US readers, is starting at you in the mirror. Because all the Federal government will do is transfer the unfunded obligation, which has already been used to satisfy the purchase of goods and services, from one individual to the whole group.
But when one is dealing with the government of a country that is no longer even fit to be defined as "banana", what is adding one more trillion between already insolvent counterparties.
Finally, yes, this means the Fed just tacked on one more year of QE to its $1 trillion/year in US debt monetization, which also means the Fed's balance sheet will now also be used for to fund student loan forgiveness, among so many other things.
Insolvent students of the world, unite!


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|Photo: Paul Beatty
|Walking Alongside the beach
Photo: Pexels
This can stem from a gradual decline in health, difficulties in performing menial tasks, loss of cognitive functions requiring supervision, or general depression from being isolated from others. We choose assisted living communities for peace of mind; that our loved ones are being cared for and enjoying the best quality of life.
However, this isn't always the case. Some complaints about nursing homes are either boredom or lack of physical activity. Though many homes offer fitness facilities or programs, most residents don't raise their heart rates enough. To address this, a research team from Aalborg University would like to introduce virtual reality technology to increase senior citizen activities. The goal for the team is to change exercise from chore to a pleasing digital experience.
Generally, there is minimal motivation to get up and exercise. For one, it can be painful and secondly, it can be uninteresting to stare at a blank wall. A study was conducted at a Copenhagen nursing home with 21 elderly residents. Large screens were mounted on the wall and the residents were encouraged to ride stationary bikes through projected landscapes. The bikes were linked to the screen so the landscape would reflect their speed. All the seniors had a positive experience.
The researchers want to expand the experience and equipped the subjects with virtual reality (VR) goggles. The small screens in front of the eyes project a landscape based on the direction the subject is looking. This includes mountains, birds, buildings, trees, and the sky. The mundane task of riding an exercise bike in a fitness room was transformed into a vivid experience. The desire to use the exercise bikes rose significantly.
Other Benefits
There are other benefits to using VR than just raising heart rates. VR has been used as a behavior intervention in pain management. Researchers at Duke University, point out that pain requires conscious attention, but VR-based distractions leave the subject to maneuver in ways that were otherwise prohibitive. The fear of pain associated with movements is avoided while in VR.
Much like Duke University, a team from the University of Montreal is exploring cognitive-behavioral therapy to address anxiety with VR. It's thought that 25% of people age 65+ experience varying degrees of anxiety. In VR, subjects are exposed to fear triggers in a controlled environment where they can be confronted to the point that the anxiousness is diminished. Going a step further, VR is now being applied in cognitive rehabilitation for those affect by mild impairments, like early-stage dementia.
Read more...
Source: Evolving Science


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Pan Acoustics develops and manufactures speaker systems and creative digital solutions for audio transmission since 2002. The credo of Pan Acoustics is "to connect technology, design and efficiency with a high customer benefits". Our key concern is to provide a natural and quality sound from the speakers. To fulfill this responsibility, we develop and manufacture all our products in Wolfenbüttel.
All products from Pan Acoustics are made in Germany!


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Americans were born to make lemonade. If you have any doubt about the resiliency of U.S. workers, consider the many reports that indicate millions of Americans are turning life's lemon of layoffs into an opportunity to work for themselves. With unemployment rates still high, many people are looking to self-employment to create stable, rewarding careers.
Self-employment offers many advantages, including more flexible work schedules, less job uncertainty and the satisfaction of working for yourself. If you're considering a career change to self-employment and want to start your own business, insurance may be the field for you. It's one of four fields, including child care, accounting and financial planning, that the Bureau of Labor Statistics predicts will see double-digit growth in the next few years.
Opportunities in the insurance industry for sales agents will grow 22 percent between now and 2020, according to the BLS's Occupational Outlook Handbook. Agents help clients understand their insurance needs and choose policies that best fit those needs and protect the things that are most important: homes, automobiles, businesses and above all else, lives.
The insurance field offers quick entry, even for those with only a high school diploma, and profitability can be even more accessible for those who pursue professional training.
While it may be difficult to predict what the country's overall unemployment rate will be, there is still plenty of good news for career changers looking for fields that offer growth potential. Choosing a career in insurance, financial planning or another industry that anticipates double-digit growth in the next decade can help many career-changers achieve their dream of becoming successful entrepreneurs and help them make lemonade out of life's lemons.
- Brandpoint
Small businesses tackle job stress
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2013 Nano Contest
Contest Schedule
Contest Start: January 6, 2013
Last Day to Enter: February 24, 2013
Last Day to add Livestock: April 28, 2013
Last Day of Contest: June 9, 2013
Judging Complete: June 30, 2013
To enter in the contest, start a build thread in the Nano Contest forum. Be sure to select 2013 Nano Contest from the Subtopic menu.
Overall Best Nano - The prize will be awarded to the overall best nano and will be voted on by the CR general membership. To qualify you must update your contest thread at minimum as specified below. Better documentation will likely impact your chances of winning.
This year's contest is being sponsored by AquaFx (Aquarium Water Filters). AquaFx has donated their Barracuda RO/DI Reef Water Filtration System for the contests grand prize:
System Requirements
Tank: Display tank with a water volume of 39 gallons or less may be used
Sump: Total water volume may not be more than 39 gallons (e.g., 39 gallon display may not have an additional sump, a 29 gallon tank could have a 10 gallon sump).
Equipment: You may use any equipment (pumps, powerheads, skimmers, reactors, etc.) that you want.
Additives: Any additive is also allowed.
Livestock Requirements
Spending Limit: The spending limit on corals is $400. Corals purchased from CR sponsors count half toward the spending limit. For example if you spend $100 from non-sponsors, you can spend another $600 from sponsors and will have spent the $400 limit. You must post a receipt with a picture of the stock to allow for others to see what you have spent. Receipts will be necessary to prove source of purchase for corals that are purchased from sponsors. If you are also participating in the grow out contest, you can put those in your nano and it will count $40 against your spending limit.
On hand Livestock: You may stock your nano with livestock you already own from another system. You need to clearly identify which pieces you are adding and document the size. You will also need to post a market price for the piece which will count against the $400 spending cap. Live stock obtained "free" from other sources also is subject to this requirement. A generic price guide is presented below to help determine value of livestock.
Temporarily Exceeding Spending Limit:You may temporarily exceed your limit if for some reason you need to move stock from another system to your nano or use it for a quarantine tank. This will not automatically disqualify you from the contest. However, by April 30 (one month before the end of the contest) you must show that you haven't spent more than the contest limit based on the purchase price or determined value when the coral was added to the tank. In other words if you spent $20 on a colony of zoas and it doubles in size by April 30, this colony will still count as $20 toward your limit.
Trades: You may trade any corals in your tank with other CR members. All trades will be public knowledge, this means that after the trade you must make a post stating who you traded with, what came out of your nano and what you got in return. Trades from your nano tank won't count toward the contest spending cap.
Fish and Inverts: You may add any other non-coral livestock you wish to your tank. These additions must be documented on your build thread. The last date any livestock may be added is April 28, 2013. In general, Fish and other livestock do not count toward the coral spending limit. However, anemones and clams (and other sessile invertebrates..e.g., sea apples, filter feeding cucumbers, etc.) count toward the spending limit as they are more coral-like than fish-like....crabs, shrimp, snails, and starfish would not count toward the coral budget.
Macro Algae: If your macro algae is in your sump or fuge, then it is part of the filtration system and not counted toward the livestock spending limit. If macro algae is in your display, it is considered part of the aesthetics of the display and is counted toward the spending limit.
Lost Livestock: Should any stock die, this should also be noted in the build thread. Excessive deaths would likely impact winning the Overall Best Nano Category. As the goal here is to build a healthy sustainable nano tank. Deaths cannot be deducted from the spending limit.
Additional Contest Rules
- You may start your construction and cycle at any time. You may not stock the tank with corals until January 6, 2013. To insure this on January 6, 2013 at 12AM EST, an announcement will be made about an item that must be placed in the tank and photographed showing the tank is not yet stocked. This picture must be the first photo in each members contest thread. It will be a common item e.g., canned food, a key word written on paper and placed in the bottom of the tank, each member giving a thumbs up next to the tank, etc.
- You may also start with cured rock if desired.
- Tank stocking may begin on January 6, 2013.
- You are welcome to start on the contest up to Febraury 24, 2013.
- Each participant will need to start their own build thread in the contest forum. At a minimum each participant is REQUIRED to update their contest thread at least 2 times a month WITH pictures, updates can be whenever the member would like. The update must be made at least 7 days apart. Participants are encouraged to post updates more often if they would like.
- No additional livestock can be added after April 28, 2013.
The following is a list of prices to help determine value of on hand corals or free corals obtained from other reefers.
No names- $1 PP
not really colorful at all
Common- $2 PP
EE, Whammin' watermelons, red skirts, dragon eyes, pink panthers etc.
Nice- $5 PP
Nukes, PD's, Tubbs blues, Bam Bam's,AOG's, RPE etc.
Rare- $20 PP or more depends on what one
Magicians, PPE, Hornets, Captain America
Fungias- any color $45 to 60
Brains frags 1 1/2 inch- $25
Frogspawn/Hammer/Torch/duncans- $10 per head being nice on this one well sell the them for $20 per head and the duncans $15 per head
Trumpets any color- $10 per head
Blastos- $10 to 50 per head depends on color
Micromussa per polyp -$30
Favias frags 1 1/2 inch -$25
Gonipora 5" -$50 <- Poor Survival rate
Dendros- $25 per head
Sun Coral frag-$10 to $25 depends on size
--Common -$5 per head
--Nice -$10 per head
--Rare -$20 per head some may cost more.
--Common -$10 per SQ inch
--Nice -$10 per eye
--Rare -$50 to $400 per eye
Mushrooms - $10 per polyp some may cost more
Ricordea $20 per polyp and up depends on color
Yumas- $30 and up per polyp depends on color
GSP- 10$ per 1 inch square
Kenya trees- 10$ per Sm frag
--Pom Pom -$10 per stalk
--Blue xenia - $10 per stalk
--Anthelia frag 1 1/2 inchs - $10
Other leathers frags brown $10 green leathers $25 and up depends on size and where it comes from
green Clove polyps - $10 per polyp, Reg cloves $10 per inch
Any Morph- branching, encrusting, caps etc.Some may cost more!!
1/2" -1" -$10
1"-2" -$20
2" - 3" - $40
3" - 5" $60
Other inverts-
Feather dusters- $10 to $30 depends what kind of duster
Gorgonians, sea fans, sea whips, sea rods-Sm frags $10,and up to a $100 depends on size
Sponges-$20 and up depends on size
Nems- - $30 and up depends on what kind and size
Any Macro - $2 a sandwich bag


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Tag: dead zone
Chemistry & Biology of Algal Blooms
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Did you ever try to eat an entire apple pie chased with a quart of milk? If so, you how too much of a good thing can create problems. It's the same with algae. In many lakes and oceans, algae is an important part o...


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Johnson scores 33 points, but Cal too much for Wolf Pack
BERKELEY, Calif. (AP) " Jerome Randle had 23 points and tied a season high with eight assists, Patrick Christopher scored 16 points and California overcame a sloppy offensive performance in the first half to beat Nevada 75-66 on Saturday afternoon.
Jamal Boykin and Theo Robertson added 10 points apiece for the Bears (8-2), who won despite missing 13 of their first 19 shots and failing to score off an offensive rebound in the first half.
Nevada's Armon Johnson scored 27 of his career-high 33 points in the second half, including 13 in the final 2:26, but the Wolf Pack (6-5) couldn't get much else going late in their first road game since Dec. 2. Nevada had won three straight going in but haven't won at Berkeley since the 1983-84 season.
Randle, Cal's leading scorer, had a 3-pointer midway through the second half to cap a 13-4 run and give the Bears a 44-38 lead. But Nevada stayed close behind Johnson and Luke Babbitt, who had 10 of his 14 points in the second half including a short hook shot that pulled the Wolf Pack within 54-51 with 4:12 remaining.
Christopher, Randle and Robertson made consecutive 3-pointers for Cal and Christopher scored on a dunk off a long pass from Randle to make it 65-51.
Johnson, who shattered his previous career-high of 23 points set against Colorado State earlier this season, tried to get Nevada back in it but Randle scored nine points down the stretch, including four free throws with 33 seconds left " two on a technical against Wolf Pack coach Mark Fox " to seal the win for the Bears.
California shot just 36 percent in the first half when starters Robertson and center Jordan Wilkes went scoreless. The Bears got open looks and easy drives through the lane but couldn't finish. They were also limited to two offensive rebounds in the first 20 minutes, which magnified their scoring problems.
The Wolf Pack weren't any better, going 7-for-22 in the first 14 minutes of the first half.
Christopher scored on a reverse under the basket then added a pair of free throws with 53 seconds left to give the Bears a 29-25 halftime lead.
Cal missed five of its first six shots in the second half while Johnson scored seven straight points for Nevada to give the Wolf Pack a 32-29 lead before the Bears got their offense going.


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Antitrust Case Filings
Antitrust Case Filings
To filter the list of cases, select desired options from the left navigation pane.
View the list of NAICS and SIC industry codes used by the Division. To view all industry codes, visit Census.gov.
Displaying 1 - 1 of 1
|Case Open Date
|Incident Date
|Case Type
|Federal Court
|Industry Code
|U.S. v. Parker-Hannifin Corp.
|May 15, 1972
|Civil Merger
|Ohio, Northern District
|Hardware, NEC, Motor Vehicle Supplies and New Parts Merchant Wholesalers


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Book 5 - Phoneme /t/
Descripción de editorial
Enhanced audio with music, sound affects and professional actors.
"Mat" is the fifth book in the series of beginning readers from ReadingTeacher.com.
New Sound in Book 5
New Word in Book 5:
The 80 books in the series use systematic phonics to ensure that your beginning readers will get a great start in reading proficiency.
The books begin at a very simple level and gradually introduce new sounds and words until students have mastered all 44 phonemes (sounds) in the English language.
The books should be read in order, because the sounds and words in each book build upon those learned in previous books. It is important that students master each book before moving on to the next.
Each new word throughout the program is repeated at least 5 times in the book in which it first appears and 5 more times in the next 10 books.
Story Summary:
Mat the Rat calls Sam to watch him paint. Sam poses thinking Mat is painting him. Instead, Mat paints a picture of himself and proudly shows it to his friend. Sam gets angry when he sees that the picture is not of himself. He takes the brush and paints a rat trap over Mat's picture. Then Mat gets so angry he throws paint all over Sam.


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iPad Mini, Nexus 7 Square Off in SquareTrade's Drop-and-Dunk Test
SquareTrade, the gadget-warranty company that occasionally puts devices through the wringer to test their durability, has put out its latest wacky masterpiece: iPad mini versus Nexus 7 versus iPad 3.
In this drop-and-dunk test, SquareTrade's "Drop Bot" holds each device with a mechanical arm about four feet above the ground and then drops the tablets on their corners and displays.
Afterward, each tablet is submerged in a bucket of water for 10 seconds.
The iPad mini held up surprisingly well. What happened to the third-generation iPad, though, might surprise you:


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Data Privacy Policy
Welcome to STC Switzerland Travel Centre AG and our online presence, in particular https://www.swisshotels.com
We are pleased to have aroused your interest in our products and services. We attach great importance to protecting your privacy and your personal data. For this reason, the collection and use of your data is always carried out in accordance with the provisions of the Genera Data Protection Regulation (EU) 2016/679 (GDPR), the Federal Data Protection Act ("Bundesdatenschutzgesetz" – DSG) and the Telemedia Act "Telemediengesetz" – TMG). As the party responsible for data privacy, we hereby provide you with information as to which data is collected by us and how we process this data.
1. Personal data
Personal data is defined by the GDPR as all information relating to an identified or an identifiable natural person; a natural person is regarded as identifiable if they can be identified directly or indirectly in particular by attribution to a means of identification such as a name, a code, location data, an online identifier or one or more features which reflect the physical, physiological, genetic, mental, economic, cultural or social identity of this natural person. Personal data is only saved insofar as this is necessary in order to render the service you have booked, comply with statutory requirements and serve the purpose specified below.
2. Anonymised files/logfiles
You can visit our website without the need for personal data to be collected. However, every time you visit our website, certain anonymised data is saved, for example which page or which product/service was accessed. This data is not personal and is therefore not subject to the statutory provisions of the GDPR or the BDSG.
The website operator or page provider collects data via visits to the web page and saves these as server logfiles. In this way, a protocol is compiled of the following data:
website visited, time of access, volume of data sent in bytes, source/reference specifying the page from which access was made, browser used, operating system used, IP address used.
The data collected is used solely for the purpose of statistical analysis and to improve the website. However, the website operator reserves the right to examine the logfiles subsequently if there is any concrete indication of unlawful use.
Anonymous data is collected solely for the purpose of statistical analysis in order to improve our services. In this regard, please note the section "Right to information/right of cancellation".
3. Purpose of collecting personal data
However, collection of personal data is essential when you use our website to book a trip or other service, get in contact with us, subscribe to our newsletter or use other facilities offered by our website where personal data is required for handling purposes. This also includes buying vouchers and entering competitions, for example.
In compliance with statutory regulations and in the interests of data economy, this generally only involves collecting the data required for providing the service in question. If we ask you to provide additional information in our forms, this is always voluntary and is designated accordingly.
Temporary saving of the IP address by the system is necessary in order to allow the website to be delivered to the user's computer. For this purpose, the user's IP address has to be saved for the duration of the session. Saving of this information in logfiles also serves the purpose of ensuring the proper functioning of the website. In addition, this data helps us optimise the website and ensure our IT systems are secure. In this connection, there is no analysis of the data for marketing purposes. These purposes also constitute our legitimate interest in data processing according to Article 6 Paragraph 1 Letter f GDPR.
If a trip or other service is booked, the data collected in order to handle this booking is used according to statutory requirements for promotional purposes and for statistical purposes.
The legal basis for sending out the newsletter as a result of selling goods or services is Section 7 Paragraph 3 Unfair Commercial Practices Act ("Gesetz gegen den unlauteren Wettbewerb" – UWG).
If you subscribe to our newsletter, we then use the data you submitted concerning your person and your trip to be able to provide optimum support for you as a newsletter subscriber based on Article 6 Paragraph 1 Letter f GDPR.
If the user has given their consent after registering for the newsletter, the legal basis for processing the data is Article 6 Paragraph 1 Letter a) GDPR.
Otherwise we use the personal data saved by us to maintain customer relations, to provide customer support (e.g. information on how your trip was handled), to implement our own advertising and marketing measures (e.g. send out catalogues and other advertising mails within the legal limits, to assess customer satisfaction and to process orders.
4. Legal basis for the processing of personal data
Insofar as we obtain the consent of the data subject to undertake processing of personal data, Article 6 Paragraph 1 Letter a EU General Data Protection Regulation (GDPR) serves as the legal basis.
When processing personal data is required in order to meet contractual obligations where the data subject is the contractual party, Article 6 Paragraph 1 Letter b GDPR serves as the legal basis. This also applies to processing measures required to implement pre-contractual measures.
Insofar as the processing of personal data is required in order to meet a statutory requirement to which our company is subject, Article 6 Paragraph 1 Letter c GDPR serves as the legal basis.
If it is the case that the vital interests of the data subject or another natural person make the processing of personal data necessary, Article 6 Paragraph 1 Letter d GDPR serves as the legal basis.
If processing is required in order to safeguard a legitimate interest of our company or of a third party and if the interests, fundamental rights and basic freedoms of the data subject do not override the first-mentioned interest, Article 6 Paragraph 1 Letter f GDPR serves as the legal basis for processing.
5. Disclosure of personal data to third parties
Your personal data is only made available within the limits of the relevant statutory provisions, in particular those of data privacy and competition law.
Insofar as is necessary for the service we are contractually required to provide or due to statutory requirements, your data is also made available to subcontractors or service providers so as to enable them to render the service on our behalf or under our authority (e.g. technical handling of post and e-mails, payment handling, customer service).
In addition, the data is made available to persons or companies to handle your booking, in particular transport companies, travel operators, hotels, travel agencies, car rental companies, cruise lines, authorities, marketing partners etc. Please note in this connection that the data privacy provisions in force in the countries in which these persons and companies are located may differ from those that apply in Germany.
What is more, we disclose and transfer your data to third parties insofar as we are obliged to do so by law or based on a final court ruling.
You have the right to receive the personal data relating to you in a structured, commonly used and machine-readable format. You also have the right to have this data sent to another responsible party without hindrance by the controller to whom the personal data was provided.
6. Saving and deletion of data
Your personal data is saved in the context of the purposes stated in the section "Purpose of collecting personal data". The personal data of the data subject is deleted or blocked as soon as the purpose of saving no longer applies. Data can also be saved if this is required by European or national legislation as stipulated by EU directives or other provisions to which the controller is subject. The legislative authorities impose a diverse range of safekeeping obligations and periods. Data is also blocked or deleted when a safekeeping period required by the above-mentioned legal provisions expires, unless it is necessary to continue to save the data in order to conclude a contract or meet contractual obligations.
7. Use of cookies
We apply cookies (small computer files containing text information which the web server sends to your internet browser) so as to improve your experience when visiting our website. If you allow us to apply a cookie, for example, certain messages only appear once. Our cookies also have an expiry date. If have not blocked the saving of cookies and you delete your cookies manually prior to expiry, you will receive a new one the next time your visit the website.
The technical specifications are such that cookies can only be read by the server that sent them. We assure you that no personal data is saved in the cookies.
If you do not accept cookies, use of our website is unfortunately subject to limitations. We therefore recommend activating cookies permanently for our website. Most internet browsers are set in such a way that they automatically accept cookies. However, you can deactivate the saving of cookies and set your internet browser in such a way that it notifies you whenever a cookie is sent.
The legal basis for the processing of personal data using cookies is Article 6 Paragraph 1 Letter f GDPR.
The legal basis for the processing of personal data using cookies for the purpose of analysis, providing the user's consent has been given, is Article 6 Paragraph 1 Letter a) GDPR.
8. Use of Google Analytics
This website uses Google Analytics, a web analysis service provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("Google"). Google Analytics uses cookies, which are text files placed on your computer to enable website use to be analysed. The information generated by the cookie concerning your use of this website (including your IP address) is sent to a Google server in the USA where it is saved. Google will use this information to analyse your use of the website, to compile reports on website activities for the website operators and to provide services associated with the use of the website and the internet. Google may also send this information to third parties where this is required by law or insofar as third parties process the data on behalf of Google. Google will under no circumstances link your IP address to other data from Google. Although you can adjust your browser software to prevent installation of the cookies, we would point out that if you do so, you might not be able to make full use of all the functions offered by this website. In using this website, you agree to the data about you collected by Google being processed as described above and for the above-mentioned purpose. This website's Google tracking codes use the function "_anonymizeIp()", whereby IP addresses are only processed in abbreviated form in order to rule out any direct identification of persons. It is possible to object to the collection and saving of data at any time with effect for the future. Tracking is entirely suppressed by clicking on the "Deactivate" button. The browser has to accept cookies in order for this objection to remain in place on a permanent basis. Alternatively, data collection can be countered by the use of a Google browser plug-in so as to prevent the information collected by cookies (including your IP address) being sent to Google Inc. and used by Google Inc. The following link takes you to this plug-in: https://tools.google.com/dlpage/gaoptout?hl=en
9. Security, questions and ideas, controller
Not least, security also depends on your system. You should always treat your access details confidentially, never have your web internet browser save passwords and always close the browser when you have finished visiting our website. This makes it more difficult for third parties to gain access to your personal data.
Use an operating system that enables you to manage user rights. Set up several users on your system for your family, too, and never use the internet under administrator rights. Make use of security software such as virus scanners and firewalls and keep your system up-to-date on an ongoing basis.
The controller for this online presence as defined by the General Data Protection Regulation and other national data protection laws of the member states as well as other data privacy provisions is:
STC Switzerland Travel Centre AG
Binzstrasse 38
CH-8045 Zurich
Tel. +41 43 210 5500
10. Right to information / right of cancellation; further rights of the data subject
You have the right:


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I recently came across a press release – "Veriphyr Donates Patient Privacy Breach Detection Service to Minnesota Hospital" – that gave me pause for two reasons. One being that I am always interested in news of charitable healthcare IT projects; and the second being that the subhead of the release further explained that the donation was made to a children's hospital. Surely kids aren't the victims of identity theft to such an extent that children's hospitals are having to take precautions to prevent this type of crime, right? What could be done with an identity that hasn't yet stepped into the world of banking, credit and loans?
Apparently, I'm pretty naive, because as a segment on NPR's Morning Edition recently highlighted, "Identity theft is the fastest growing crime in America. Many identity theft victims are children and, because children don't usually have reason to check their credit reports, the crime often goes undiscovered for years." It also referred to a recent study by Carnegie Mellon University that found that more than 10 percent of 40,000 children had been victims of identity theft.
Utah, of all places, was highlighted in the audio segment because its attorney general's office is piloting an online child identity protection service. I can't help but wonder if they have ramped up efforts around anything to do with identity theft in the wake of the March 30th privacy breach that affected 780,000 Medicaid and CHIP beneficiaries, and the resultant resignation of the state's IT director and apology from the governor.
I decided to get in touch with the folks at Veriphyr to learn more about why they chose to donate their patient privacy breach detection service to Gillette Children's Specialty Healthcare – a Children's Miracle Network Hospital (CMNH). According to the release mentioned above, the service protects patients' personal health information by detecting inappropriate access by hospital employees and other insiders. The company uses "big data" analytics to detect potential privacy and regulatory compliance violations, and data breaches.
Alan Norquist, Veriphyr's founder and CEO, was kind enough to answer my questions:
Has Veriphyr ever donated technology before?
Alan Norquist: "As a corporate sponsor of Children's Miracle Network Hospitals, Veriphyr donates a portion of each sale to our customers' local CMNH hospital. The donation to Gillette Children's is Veriphyr's first donation of our services to a CMNH hospital."
Why did Veriphyr choose to become involved in CMNH, and to make a donation to Gillette Children's in particular?
"The Veriphyr management team wanted to give back to the community and based on the background of the team, they decided to get involved with a charity involving children's health. We selected CMNH because they offer a program that is national in scope but has local impact. Most importantly, 100 percent of our donations directly benefit children's health – none is used for CMNH administrative costs.
"Veriphyr decided to expand our involvement by giving our Patient Data Privacy service to one CMNH hospital this year. We chose Gillette Children's Specialty Hospital because of its internationally recognized work in the diagnosis and treatment of children and young adults who have disabilities or complex medical needs."
Is there a timeframe or other restrictions associated with donation of the technology?
"Veriphyr will provide privacy breach detection and user access compliance services to Gillette Children's Specialty Healthcare for one year."
It seems we read about hospital privacy breaches on a weekly, if not daily, basis. Why does Veriphyr feel they are becoming so frequent? What should healthcare systems be doing to protect themselves that many tend to overlook?
"One reason for the increase in hospital privacy breaches is that criminals have recognized that the value of medical records is greater than other forms of data. The wealth of personal information contained in medical records can be used in a range of criminal activities including medical id theft, tax refund theft, and more. This has made hospitals a prime target.
"In response, healthcare organizations have implemented appropriate policies and training. Now, leading hospitals are taking the next step and deploying proactive services like Veriphyr's that detect patient privacy data breaches."
It is comforting to think that hospitals are now taking such proactive steps, especially in light of national news that criminals think nothing of taking advantage of our most vulnerable population.


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Mijn OV-chip
Purchase an OV-chipkaart
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everything about Purchase an OV-chipkaart
What is the OV-chipkaart?
Which card is right for you
Personal OV-chipkaart
Apply for personal OV-chipkaart
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OV-chip and use
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everything about Terminate or replace
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What to do with an expired card
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everything about Travel on credit
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Restraining Order Blog gets a number of questions from readers. Here is a restraining order violation question we just received. Courts have held that third party contact due to an official proceeding is not a violation of a restraining order. How could it be ?
restraining order from his x wife. My brother filed a motion with the court along with a 30 page document pretaining to his personal beliefs and his oppinion of the courts it was adressing the courts not her!..natrurally, the x wife recieved a copy from the courts because she is involved wit the case i.e child support. Anyway, she called the police after reading it. and he was aressted. we are now going to court for violation of restraining order third party contact. this has been ongoing for 8 years, the x wife has lied, uses the restraining order for when it is convinent for her. Mind you the restraing order was no way shape or form have to de with ANY type of violence she made up all kinds of things that were not true, and they hand out restraining orders like candy. She has used the system for vengence against my brother.. Do you think the courts should be considered third party?
Thank you


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Priests for Life Executive Director Janet Morana to Receive Cardinal O'Connor Award
STATEN ISLAND, NY, February 2, 2009 (LifeSiteNews.com) – Janet Morana, Executive Director of Priests for Life, has been named a recipient of the 2009 Cardinal John O'Connor Pro-Life Award. Mrs. Morana will receive the award, one of the highest honors in the pro-life movement, at the Legatus International Summit to be held February 5-7 in Bermuda.
An activist for the unborn for over 20 years, Mrs. Morana started with Priests for Life sending out mailings from the basement of her home. "Janet has been one of the unsung heroes of the pro-life movement," said Fr. Frank Pavone, National Director of Priests for Life. "This award is a tribute to all those, like Janet, who have labored selflessly for the most vulnerable and helpless in our society."
"This award is doubly meaningful," added Fr. Pavone, "in that Cardinal O'Connor authorized me to come to Priests for Life 15 years ago, allowing Janet, who was working for me at the time, to also begin an official role in the pro-life movement. It's a very, very special moment."
In addition to her many administrative duties, Mrs. Morana travels across the country presenting pro-life training seminars. She is co-host and producer of the Gospel of Life television program seen on the Sky Angel Network and a featured guest on Fr. Frank Pavone's Defending Life series on the EWTN network.
In 2003, Mrs. Morana and Georgette Forney of Anglicans for Life co-founded the Silent No More Awareness Campaign, now the world's largest network of women and men harmed by abortion. Famous for their public testimonies and "I Regret My Abortion" signs, Silent No More members have become an irrefutable voice in the pro-life movement.
The Cardinal O'Connor Award was established in 2001 by Legatus, a Catholic lay organization of over 3,200 executives and their spouses founded by Tom Monaghan, former owner of Domino's Pizza and the Detroit Tigers baseball team. First presented to Congressman Henry Hyde, the award is given annually to individuals who have "demonstrated courageous Christian witness in defending the sanctity of all human life."


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GSA's 2004 Design Awards SpotlightExcellence in Federal Architecture
March 24, 2005
This content is kept online for historical reference and is no longer updated. Links may be broken and content may be inaccurate and/or out of date.
March 24, 2005
Contact: Deborah K. Ruiz 202-501-1231
Washington, D.C. – Excellence in public design ranging from courthouses to a forensic science laboratory took the spotlight today during the U.S. General Services Administration's 2004 Design Awards ceremony at the Ronald Reagan Building and International Trade Center.
"The projects we honor with this year's design awards reflect the majesty of our government," said GSA Administrator Stephen A. Perry. "The experts who developed these projects are helping to support our government and our democratic beliefs through the design and construction of buildings with architectural significance that provide functional workspace for federal workers at best value to the American taxpayers."
A jury of private sector professionals chaired by architect Mack Scogin of Atlanta, Ga., reviewed more than 140 projects for this cycle of GSA's Design Awards and received submissions in 20 categories, such as architecture, preservation, engineering, art, workplace environment, urban design, sustainability and construction.
"These award-winning projects illustrate the breadth of GSA's work from the iconic courthouse to the high-tech laboratory. They have an important impact in their communities and are a valuable legacy for all Americans," said GSA's Public Buildings Commissioner F. Joseph Moravec.
The list of 16 honor award and citation winners includes the forensic science and fire research laboratories for the Bureau of Alcohol, Tobacco and Firearms and Explosives in Beltsville, Md.; the World War II Memorial in Washington, D.C.; the U.S. Port of Entry in Del Rio, Texas, and a number of courthouses across the nation.
This presentation of the 2004 GSA Design Awards marks a special milestone as well: It is the 10th anniversary of GSA's Design Excellence program.
The following is a complete list of 2004 GSA Design Award winners:
|Honor Awards:
On the Boards
Federal Building
Robert F. Kennedy
Construction Excellence
United States Courthouse
United States Courthouse
|Architecture/Interior Design
United States Courthouse
ATF National Laboratory Center
On the Boards
United States Courthouse
United States Courthouse
United States Port of Entry
United States Courthouse
United States Courthouse
River of Light
First Impressions
Richard Bolling Federal Building
Graphic Design
World War II Memorial Book
Construction Excellence
United States and Canada
World War II Memorial
For additional information on GSA's Design Excellence program, visit Design Excellence and the Arts.