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What's inside? Here are the questions answered in today's reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Student loans after marriage
2. Parents in financial trouble
3. 401(k) and index funds
4. Best PS3 game bargains
5. Furnace savings?
6. Used cell phones
7. Buying board games
8. Financially irresponsible parents
9. Achieving goals
10. Roth investment questions
For me, Valentine's Day is another one of those days in which people cram sentiments they feel they should have throughout the year into one day. Much like Mother's Day and Father's Day, for example.
Instead of going out for some exorbitant dinner or tossing some sort of expensive "romantic" gift at your partner, why not do a little thing or two each day to show your partner how much you love them? Write a little note for him or her and stick it in a coat pocket. Make a batch of your partner's favorite cookies. Do the dishes so your partner can relax after a stressful day.
A little bit of consistent love means a lot more than an ostentatious display once a year.
Q1: Student loans after marriage
My wife and I graduated in May of this year, and were married a week later. She has 5 student loans in her name, which her parents promised to pay. She owes around $215 per month in student loans for her. Unfortunately, her parents are unable to afford that much, and send us a check for $175 each month to help pay for the student loans. I recently spoke to her father, and he intends to apply for a tax deduction for the loans. However, based on what I've read, it sounds like her parents cannot claim anything– the loans are in her name, and we technically pay it each month. He claims to be a cosigner on the loan, but I don't see it in any of the paperwork. We are married, filing joint, and they cannot claim her as a dependent.
My primary concern is that we follow the law, here. Am I correct to assume that, since our arrangement with her parents is completely off-the-books, we will be eligible for the deduction– and they will not? Her father is asking me to send him statements so he can see interest paid/principal remaining. Should I be concerned that he will attempt to claim some of that interest, or will he legally be able to? If they are not legally eligible for the deduction, should their tax attorney (they use an actual attorney, not online software) catch it, or do you think I should speak with him personally?
– Zach
If the loans are in her name, then she's the one who can claim the deduction for the student loans. You cannot claim deductions for people who are not listed on their income tax as a dependent.
In this case, I'm guessing her parents haven't quite realized that she's no longer their dependent or don't realize that the student loans do not have their name on them.
If they attempt to claim the deduction, either their attorney or their software should catch it. If they go ahead and push it through, the IRS might then catch it, too.
Q2: Parents in financial trouble
My husband and I just celebrated our first anniversary last month. I work full time and am a part time college student, he works part time and is a full time student. College is of course a challenge but my company pays for my tuition and we do all we can to cut costs. We have our own apartment, manage fine and haven't had an overdraft since we were married. But I'm not writing to you about us.
My parents are in their 50s and are struggling. And by struggling, I mean failing miserably. Their monthly mortgage payments cost nearly 3 times what their home is worth, they often miss mortgage and other bill payments. In the past 2 years they have lost their internet at home, had their cell phones turned off three times, had their home put on the market, and been severely late on at least one payment every single month. They have quite a bit of debt built up, including payments on their home and hospital bills from my mother's stay in the hospital last year.
My father has a full time job that offers plenty of overtime and he holds a part time job at our church while my mother works part time. They make nearly 30,000 a year but neither has a penny in a retirement fund. They are very private about their finances and only rarely ask for assistance. However, when they do ask people to loan them money, it is rarely if ever less than a hundred dollars that they need and they usually wait until the last possible second to ask for it.
Painful though it is for me to admit it, my father needs at least a beer or two before he can relax enough to fall asleep and my mother always asks him to buy her some scratch offs when he goes to the liquor store. I am afraid that he has an alcohol addiction and that she has a gambling addiction. They never talk about it and change the subject when someone mentions it. And for some reason, I have yet to gain the courage to admit how I feel. How worried I am for them and how terrible their finances really are.
We don't intend to for several years but I am afraid that by the time my husband and I decide to start a family, my parents will not be able to stand on their own and will need us to support them. I cannot think of anyone in our immediate family and friends that have the resources (or a home large enough for that matter) to put them up if they lose their home. I constantly worry that one day they will lose their home and be forced either into our one bedroom apartment or onto the streets.
I am considering organizing an intervention of sorts with their close friends and some immediate family members to confront them about this. My parents have had financial problems for years and have learned how to cope and how to hide the problems. I suppose my question is do you have any advice for me? Would an intervention do more harm than good? Are there any strategies you would use? And how can I work up the confidence to talk to my parents about this?
– Katrina
An intervention may help, or it may make things worse. I would strongly encourage you to do some deeper research into how to make an intervention work before trying one. Hit your local library and look for books on interventions, like Intervention by Vernon Gray.
I would also encourage you to sit down and do some serious soul searching about your own position on the subject. You seem to be just assuming that you'll be carrying the load for them when they get older. Is this really a burden you want to assume?
Do not even start to take on that burden if you're not willing, without resentment, to take on that burden for the long haul. If you try, you'll build up resentment and emotion like floodwater behind a dam, and eventually that dam will explode, putting all of you in a much worse position.
Make sure this is something you're fully willing to do, and decide it sooner rather than later.
Q3: 401(k) and index funds
When I first set up my 401K five years ago, I was fresh out of college and had very basic knowledge of investing. I picked an investment mix of roughly 5% cash, 20% bond funds, and 75% stocks (which were further diversified into small-cap, large-cap, value, growth, and international). Outside of allocation and diversification, I didn't have a particular strategy for picking a specific fund. I think I just picked the one with the highest 10-year average return in each category.
Now that I've learned about low-cost index funds vs. the cost of actively managed funds, I want to invest in the index funds available through my employer's plan. However, I'm not sure what's the best way to start implementing that. Do I simply set my contributions to go to the new index funds? What about all the shares I bought over the past 5 years? Do I just leave them there, where they will continue to incur a 1.25%-1.50% annual operating cost? What happens if I sell those shares and put the money into index funds with a 0.25%-0.5% annual operating cost? Are there any tax implications for doing that?
– Kate
There aren't any tax implications for such moves within a 401(k). The only tax implications occur when you withdraw money from the account, at which point you have to pay income tax on everything you withdraw.
In other words, when you want to switch things around in your 401(k), feel free to do so.
My only concern would be to make sure that you're keeping a good overall portfolio in there for your age. You're young, so a heavy stock portion isn't a bad thing, but as you near retirement, you need to start moving most of that money into safer investments, like bonds and treasury notes and cash.
Q4: Best PS3 game bargains
I received a PS3 from my wife as a Christmas gift (I think the Blu-Ray player was part of the reason). Anyway, I started throwing my loose bills and change into a jar with the intent of buying a game or two for it in a few months. That time has arrived and I have about $80 to spend. What are the best PS3 game bargains?
– Clint
First of all, buy used if at all possible. The Blu-Ray format that PS3 discs use seem to be practically invulnerable. My daughter has done unspeakable things to a couple of my PS3 discs and they've never had a problem. I've traded for dozens of used discs without a single problem. So, when you go to spend this money, buy used games at your local used game store.
I would start by first knowing what genres of games you actually like. Think about the video game experiences you've enjoyed the most recently in your life. Are they platform games, like Super Mario 64? Racing games? Action games? First person shooters? Role playing games? Open world games?
Next, I'd hit Metacritic's list of PS3 games, sorted by score and start looking at the top ones. Make a list of ten or fifteen or so that match the genres you like, starting at the top of the list.
Then, take that list to your local used game store and get as many of the games on your list as you can for your $80. You'll likely be able to get three or four of them.
Q5: Furnace savings?
Thank you very much for the time and effort you invest in your blog! I've found it tremendously helpful. In fact, your blog and Get Rich Slowly are the only two financial blogs I follow. God has truly blessed me financially (always been debt free, always paid cash for cars and even a house) and yet I want to be a faithful steward with what He has entrusted to me, both now and in the future.
Anyways, I saw your blog post with your evening routine. I have an evening routine too, but I've wondered quite a bit about the furnace routine. I do the same thing (turn it down 5 degrees at night and back up in the morning), but I wonder how effective it really is due to the morning "catch up" factor? When the thermostat is turned down 5 degrees there is a definite savings throughout the night, but when the temperature is raised 5 degrees in the morning the furnace will have to run longer to catch up. And it won't just be the "first" running (raising the temp from, say, 61 to 66), it will then run more frequently over the next hour or so as not only the air is warmed (that's the first phase), but then the furniture/fixtures/flooring has to be warmed, too. In other words, the furnace first heats the air (which will take a while), but then the furniture/fixtures/and even the flooring will cool the just-warmed air rather rapidly, and the furnace will have to run again. Once everything (air, furniture/fixtures/flooring) has warmed up to 66, then the furnace will go back on a regular schedule.
I've always suspected that if the furnace avoids running 2 hours overnight, how long does it take to fully (not just the first cycle) take to catch up in the morning?
– Christopher
During the winter, when your home is warmer than the outdoors, your home is constantly losing heat to the outdoors. That's why we have insulation, of course, but insulation is never perfect. There is always some significant heat loss. Also, basic thermodynamics dictates that the greater the difference between the indoors and the outdoors, the greater the heat loss.
So, during the night, when the temperature is coldest outside, your house is losing the most heat to the outdoors. If you leave your furnace running at your normal temperature all night, it's actually running more at night than it is during the day because your house is losing more heat to the outdoors due to the greater temperature difference.
In the morning, the temperature outside is going up thanks to the rising sun. There's less heat being lost to the outdoors and your furnace does not have to run as much. You're far better off heating your home to the desired temperature (and keeping it there) when the temperature is higher outside than when it's lower.
The big reason to turn off your heat at night is that it minimizes the difference between indoor and outdoor temperature, thus minimizing the heat lost from your home. The less heat you lose from your home, the lower your heating costs.
Q6: Used cell phones
It it a good purchase to buy a "used" cell phones"? And why when i try to buy one in ebay, there will always something that will come out lower than the price I am trying to buy, that is after a few days after I paid for an item. How doest it work?
– Eileen
It can be a good purchase to buy a used cell phone as long as it works with your particular provider's network. You need to make absolutely sure that the phone will work with your service provider before buying it.
Now, as for the issue of "a cheaper phone coming out as soon as you buy one," that's always going to be true with any technology purchase. If you buy a phone now, it's going to be cheaper in a few months. The same thing happens with computers and monitors and televisions.
The key is to wait until you actually need to buy a replacement because your previous one is not working. Barring that, you should wait until a truly exceptional deal comes along, like a free phone with signing a new contract.
Q7: Buying board games
I really liked your article last week about board games. I agree 100% that the most valuable thing is the experience, and not the material goods themselves. I used to be so ardent about collection video games, but I just decided I was spending too much money, and not receiving enough satisfaction from them. Yesterday, I had a gathering at a friends house, and instead of playing video games, we watched "Scott Pilgrim vs the World", which I borrowed from my public library. Short story: We had a great time. The great thing about the NYPL is that it has all the new releases, and I get the watch them less than a month after they come out. I just request them online and I go pick them up at my local branch. Besides, it doesn't cost a thing!
What I realized yesterday was that we were seriously lacking in board games. The only games we ever had were the "classics", Monopoly, Life, and the like. I looked up some great games that I might enjoy playing but they are so expensive. Currently, I"m looking at the following:
1. Wits and Wagers
2. Settlers of Catan
3. 7 Wonders
4. Diplomacy
I thought it might be a great idea to ask you where a good place to get these games would be. I would love to buy them new, but they are just so expensive. I wouldn't mind buying them used, and I suppose that would be alot cheaper. Do you know of any great places to get board games more affordably?
– Kent
I use Cool Stuff Inc. for my board and card game purchases. I save my nickels and dimes until I have enough to surpass their free shipping minimum, then I pick up a few games all at once. Buying all four of those in one order would get you just over the free shipping threshold there at the moment.
There aren't any online shops that sell a wide array of used board games that I know of. Local shops will sometimes carry used copies of popular games, and I've had some success finding good games at thrift stores, but you can't go there and expect to immediately find a used copy of the specific game you want at a great price. The games you're looking at are good ones that people will want to play again and again, not a copy of Monopoly that hasn't been touched in a decade and is happily sent off to Goodwill.
My only comment on your list is with Diplomacy. I really wouldn't recommend playing that game unless everyone in your group understands it's just a game. It really is a lot like the television series Survivor, where you have to eventually twist the knife in someone's back to win. There's a common joke among boardgamers that Diplomacy has been destroying friendships for fifty years, and I've witnessed people in tears over the game. It can be very cutthroat – the rules make it that way.
I would strongly suggest replacing Diplomacy on that list with Ticket to Ride until you know how truly cutthroat the people in your group are – and how they accept such gameplay from others. Diplomacy can be a lot of fun, but you have to approach it with the understanding that it is just a game and that if someone backstabs you during the game, it's just part of the game, not some sort of personal affront.
Q8: Financially irresponsible parents
I'm 25, single. Have 20,000 in student loans but no other debt. Currently working a full-time temporary assignment making $15/hr, live at home with parents, and am enrolled in school – planning on taking out another 6k in loans to pay for my classes and classes this summer so I can apply to med school. I have a BA and some credits toward an MA but never applied officially until recently. Still waiting to hear if I will get into the program. Then the recruiters started calling. Now I have two job possibilities making about 60-70k in reasonable cost of living areas in the Midwest w/relocation, etc.
1. Take one of the jobs and work full-time for a year or two and save as much as possible to be in a better financial position for med school, possibly defer the MA if I get in.
2. If I get into the MA (find out next week or the week after), go back to school and apply for a different job very similar to the other two I am considering – make about 50k and work full-time and attend evening classes
3. Apply for med school this cycle and take my old job where I was making about $13-15/hr working in a hospital.
Issues: my dad has prostate cancer and kinda "checked out" for 6 years. They are in the middle of a Chapter 11 case where it might convert to Chapter 7 because they cross-collateralized all their business and personal stuff and might lose their house soon. They own a lot of real estate, basically, and might lose all of it – all income property save for the house they're living in (which they remodeled but couldn't sell, couldn't get a new loan even though they rented it and had positive cash flow – basically got screwed by the bank who got them their construction loan). I will lose my health insurance in May of this year when I turn 26. I want to be able to help them but when I have it hasn't come back (gave 20K to them – now gone). I want to buy income property, probably in the area where my family is, but currently don't have much in savings (just an emergency account totaling about 1000). If I were to move to the area where I want to do the MA I would buy a duplex and remodel one and rent out the other. I want to be able to get ahead from where I am. I have the knowledge and understanding needed to make money in real estate including my license and would qualify for a 203 k (that's the type of loan – FYI – not the amount) FHA rehab loan. The property is listed for 110,000; I would offer something like 85K at most. One unit is currently vacant but easily rentable with work, the other is currently rented for 710 a month (way under market value for rental). I would live in the vacant one, remodel it as early as this summer, and get it ready for August 1 (college town). Then I'd kick out the tenant (lease is up August 1), and live in the other unit while I remodel it over the course of the next year while working and attending school. The remodeled currently vacant unit would rent for 850 easily, and the other unit maybe 1350 when done. I would need to do about 35K in repairs – which includes my sweat equity. Part of me says I just drop my classes, take the job NOW, work for 6 months, and that way I'd have enough cash to buy something if I were to do the MA this fall.
After the MA I'd apply to med school. What do you think is the best route to go?
– Margaret
If you're going to go to medical school, you're better off doing it when you're as young as possible so that you have few entanglements as you go through the process and the energy to make the best of medical school. The longer you wait on medical school, the less worthwhile it will be for you because you'll have fewer years as a practicing doctor to pay off the mountain of debts.
If you're not going to do that, then I would take the good job offer you have on the table right now and make the most of it. A bird in the hand is always worth two in the bush. See where that job takes you and use the money you're earning to eliminate your debts. If you later decide that it's not a path you want to continue to follow, then go back to school.
So, my order would be option three (contingent upon how serious you are about the challenge of medical school), followed by option one.
Q9: Achieving goals
Our goals are 1) pay off all but our primary mortgage within the next two years, 2) have at least 50K in rainy day funds, 3) start contributing to our IRAs monthly, 4) start saving for our two sons college expenses (they are 6 and 9), 5) and saving for a minimum of 1 family vacation trip and 1 for the wife and I each year.
My wife and I currently have been working very hard to get out of the debt we have built up over the last 10 years. As of 5 years ago after finally putting to paper a 5 year plan we are happy to say that things are going mostly as planned. However, I feel that we are missing a couple of things in our ultimate plan or at least possibly short changing ourselves given our current plan.
Together we earn about 160K to 170K per year. I work as a software engineer and she as a teacher's assistant. I am the only one with an active 401K which I contribute 10% (increasing 2% each year) to and my company gives me a 50% match on the first 6%. We both have IRAs that we rolled over from previous employers which we have yet to contribute to. All together our retirement accounts total about 160K.
We have $0 in credit card debt (paid off 4 yrs ago), no car payments (paid off 2 yrs ago), a mortgage balance of around 191K @ 3.9% @ 30yrs, a loan of around 5K @ 8.9%(to be paid off this year as we are applying extra payments), and a timeshare mortgage (which we purchased this year) with a balance around 38K @ 12.9% (when said loan is paid we would then apply that amount to this balance thus more than doubling our current mthly payment).
We currently have 15K in two different MMAs, 10K in CDs, and save 2K mthly (starting last month) into said MMAs. The money in 1st MMA and CDs is our rainy day fund and the 2nd is for covering year end/yearly expenses such as HOA fees, VOA fees, property taxes, life insurance, etc. Also, at year end I can usually expect an incentive bonus around 10K -12K but I try to keep that out of our plans and mostly just use that money towards paying debt, adding to our savings, and covering vacations.
I guess it is worth mentioning our major planned expenses for this year. They are 1) summer vacation to Hawaii (everything is already paid for and spending money is already banked), 2) xmas vacation to Australia to visit my brother (about 15K since we will be travelling the whole time there), 3) expenses for two marathons and 2 triathons and also a couple other racing events, 4) extra curricular activities for the kiddos. And let me be the first to say that taking two trips such as these in a single year is just a one time thing – it just costs too much to do it ever again.
We think we are on a pretty good track to achieving our goals, but we would like to know what your thoughts are on what we should do with the extra 2K savings each month that we are socking away? My first thoughts are to save half of it each month and then start applying the other half across the remaining goals. If that is reasonable then I guess what sort of distribution might you consider across the remaining goals? Thanks for the great advice you have already provided and I hope to hear from you.
– Harold
First of all, I'd make sure that all of the expenses this year are covered, first and foremost. Make sure you can get through the pile of expenses that 2011 is bringing you before anything else, as it sounds like you have a lot of expenditures lined up.
In other words, I would probably keep putting all of that $2K into savings for the time being. Make a large emergency fund, because vacations are often the time when emergencies strike and you find yourself spending far more than you ever planned to spend.
Your goal should be to emerge from this year with minimal debt. At that point, start thinking about long term goals and figuring out what you want to be doing next.
Q10: Roth investment questions
I was just reading a few posts you made back in 2007 about funding your Roth IRA through Vanguard. I am 25 years old and due to my risk tolerance I max funded my Roth IRA ($5,000) but instead of choosing a Target Retirement Fund, I simply chose Vanguard's Balanced Index Fund, which after reading your posts, made me slightly concerned and I am now second guessing my decision. I am wondering if I should plan to start a Roth via a Target Retirement Fund next year or just continue making contributions to the Balanced Index Fund I set up.
– Karl
I went and looked at both funds. Right now, the 2055 Target Retirement Fund (the one I assume you'd have your money in) is far more aggressive than the Balanced Index Fund. Over time, though, the Target fund will slowly become more and more conservative.
For right now, the bigger question of the "right" fund to have comes down more to your personal risk tolerance than anything else. I don't think there really is a "wrong" move if you're putting aside the money in the first place. Can you stomach watching your Roth IRA take a big loss for the year if it's counterbalanced with other years where you get 15% gains? Some people can. Others can't stand seeing their retirement balance drop so precipitously.
If you prefer to be more conservative and balanced with bonds, there's no imperative to switch. Your money will grow at a slower rate during the good years, but won't take a gigantic drop during the bad years. Overall, this usually averages out to slightly slower growth overall.
Of course, at some point in the future (age 50 or so), you may want to go even more conservative than the Balanced Fund, but you can cross that bridge when you get there.
Got any questions? Email them to me or leave them in the comments and I'll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive hundreds of questions per week, so I may not necessarily be able to answer yours.


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Meet the Guy Who Sees What Isn't There (Yet)
By Cat Taylor
Naill McEvoyVFX Data Wrangler
Dragon & Wolf units
N. Ireland/Iceland
Job description:
"We gather as much information as we can from a shooting day, be it lighting information, camera information, lens tilt, height…anything that helps us integrate non-existing elements into the final frame. The only way to make these look real is to light them correctly, and shoot them correctly so they fit into the original plate. If you've ever seen poor visual effects, I guarantee that it's because it wasn't lit right. So we take all the references, categorizing them all, so when we go back at a later date and shoot an element, we can recreate everything accurately."
Biggest Challenge working on GOT:
"Well, essentially, GOT is a 10-hour-long feature film. It's a TV show, yes, but HBO demands excellence. To film something of this scale, in our timeframe, everyone has to be on the top of their game, and every detail is important. And the mud. So many of our locations are muddy fields, or muddy quarries. I've woken up from dreams where I'm choking on mud. Look at where we are (in a very muddy field at Audley Tower, which is serving as one of Robb's camps) everything is ridiculous! Every so often you take a step back and think this is crazy, but then it's amazing. I can't think of anything else I'd rather be doing."
VFX elements he's most looking forward to in Season 2:
"I would like to see how the dragons have grown, progressed and improved. They appeared late in Season 1, right at the end of episode10. In the upcoming season, we see a lot more of them, and that's really exciting. And the direwolves. We've been involved in creating them this season, and we've shot a lot of elements with them. These things are big, the size of small horses, and I can't wait to see how they look."
Favorite Character:
"I like the really evil guys. Viserys was so good. So evil. I think he was underrated in a lot of respects, but I thought he was great. And Joffrey. Joffrey was fantastic. I mean what a little bastard. Jack Gleeson is such an amazing kid in real life, all the kids have been amazing, but Jack in particular, being such a nice guy in real life and such a bastard on screen."


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Best Actress in a Leading Role (Presenter: Jean Dujardin)OSCAR GOES TO:Jennifer Lawrence Silver Linings Playbook
Will!! I have pics from On The Red Carpet as well if you want them posted?
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Many prominent golf companies, players and PGA instructors regularly take to Twitter to talk about their equipment and other aspects of their game. Here is a round-up of some of the most interesting golf-related Twitter entries from the week of April 4-10, featuring Arron Oberholser, Stacy Lewis, Stuart Appleby and more:
Jane Park
@The_JanePark Adam Scott cannot miss on the putting green with that broomstick putter. Maybe i should check it out....
Click here to use the PGA.com Value Guide to find out the trade-in value of your used clubs and turn them into cash or credit toward the new clubs you want now.
Your golf game is more fun when you share it with your friends -- and with us! So follow us on Twitter and interact with us on Facebook.
What do you think about your golf equipment? Rate and review your clubs in the PGA.com Equipment Section, where you also can see what's in the bags of tournament winners, check out new equipment photo galleries and even catch up on the latest tweets from tour players and equipment companies.
What's new in golf equipment right now? Plenty! Take a look at the latest and greatest golf gear in our exclusive PGA.com photo galleries, where you can see the newest drivers, fairway woods, hybrids, irons, putters and more.
@sofieandersson "True, I like my putter and I like to putt. But that doesn't mean I want to use the club 32 times in one rd. makes some birdies please!" – LPGA Futures Tour player Sofie Andersson
Kim Kouwabunpat
@kimk04 //twitpic.com/4jdcjq - Post 3-Hr session on the range at Angeles National... Time to watch the Masters!!
Luke Donald
@Luke_Donald Was going to wear all black today, too hot, going for all white instead //twitpic.com/4jaca1
@Luke_Donald I think these puppies should work!RT @FootJoy @Luke_Donald What do you have for shoes today? //twitpic.com/4jbad2
Charlie Douglass
@CharlieDouglass Tasty couple of hours on my Dave Hicks putting mirror, time for wedge practice now! //plixi.com/p/91179853
Crystal Golf
@CrystalGolf_FL Nice day to tee off an Aqua Crystal! twitpic.com/4jb1dp
Hank Haney, PGA
@HankDHaney Illegal RT @oiler3535: @HankDHaney does a GPS count as illegal equipment or an allowed electronic rangebook?
@HankDHaney All depends on your stroke and what your mistakes r RT @MurphyFerguson: Prefer blade or mallet putter? Thoughts on Odyssey Backstryke's?
@HankDHaney Get fitted RT @JosRaiders: @HankDHaney Whats your tip when choosing a driver?
Tommy Armour III
@Tommyarmour3 I use a Adams 18 dgrRT @jddannysizemore: @Tommyarmour3 hey buddy what's the best hybrid clubs on the market? Thanks #winning
Chris Carnahan
@Carnahangolf Just noticed the black satin shaft on @RickieFowlerPGA putter. Stealth look on the flatstick. #Masters
Black Widow Golf
@BWonTour New colored shoes debut at 2011 Masters. yfrog.com/h4c12gpj
True Linkswear
@TRUElinkswear Ryan Moore went with the Black stealths with Electric Blue soles today - they hook nicely with the tie.
FootJoy Interesting to see @WestwoodLee wearing all white DryJoys Tour for 3rd round.
Sligo Wear
@sligowear @sligowear @BrianGayPGA catalina seven w/ orange tour belt & white trousers. //yfrog.com/h2n8vlhj
Hank Haney, PGA
@HankDHaney Yes 1-2 degrees upright RT @mchltaylor: 18 hcap, 6'1", all irons go right. Change to more upright lie?
@HankDHaney One in the sameRT @m_reese: what's the difference in a 3wood and a 3 metal?
@HankDHaney No they r steel RT @AlexH99: @HankDHaney looks like KJ uses graphite shafts for his irons. True?
Stacy Lewis
@Stacy_Lewis Look what just arrived at my house! //yfrog.com/gywglksj
Ian Poulter
@IanJamesPoulter Red tartan bag for tomorrow. come on GMac make a birdie coming in. #TwitPict //twitpic.com/4igdyj
Sofie Andersson
@sofieandersson True, I like my putter and I like to putt. But that doesn't mean I want to use the club 32 times in one rd. makes some birdies please!
Brian Gay
@BrianGayPGA Here's a pic from todays Photo shoot for @sligowear! //plixi.com/p/90709815
Vokey Wedges
@VokeyWedges Here's a good view of the pre-worn leading edge of the Vokey TVD-R 56. The R Grind! //ow.ly/i/a7pL //ow.ly/4wqjV cc @Titleist
Adam Hadwin
@ahadwingolf I love opening the door to take the trash out and finding a package! Thanks @CallawayGolf for the new apparel! Looks great!
Whitlam Golf
@WhitlamGolfUSA Almost done with my new stick. Just stamped it and its still raw. twitpic.com/4ifjkq twitpic.com/4ifjko twitpic.com/4ifjks
Dale Marmion
@DaleMarmion Who's golf bag is this?its like Santa's groto haha //plixi.com/p/90485712
TaylorMade Golf
@taylormadegc Taylormade the #1 driver at Augusta w/36 in play, incl. 17 R11 & 9 Burner SuperFast 2.0. Also #1 fairway, #1 hybrid, #2 iron, #2 ball.
Hank Haney, PGA
@HankDHaney 9 degree VR i believe RT @jacksimonds: model/loft on Tiger's driver, please?
@Titleist Do you always play the same golf ball model? Here's some advice from Titleist's Golf Ball fitting experts: //bit.ly/dZVd5d
@Titleist Titleist is #1 ball at the 2011 Masters Tournament: //bit.ly/hxBvaY
@Srixon Golf There are 11 Srixon golf balls in play at the Masters this week! #Masters #golf
TaylorMade Golf
@taylormadegc Taylormade the #1 driver at Augusta w/36 in play, incl. 17 R11 & 9 Burner SuperFast 2.0. Also #1 fairway, #1 hybrid, #2 iron, #2 ball.
Chris Carnahan
@Carnahangolf Masters Inspired //yfrog.com/h890obzj
D'Lance Golf
@DLanceGolf Put a new ProjectX 6A4 in Gary Hallberg's driver today. Should be money!
Hank Haney, PGA
HankDHaney Probably RT @ColeChachko:Is Phil's lofts on his irons strong?
@HankDHaney Yes, every brand on the range RT @StLRealtorGreg: at tourney ranges do pros hit their ball of choice?
Kelly Tidy
@kellylouise92 Even my dog wears PING! yfrog.com/h2jtfndoj
Ian Poulter
@IanJamesPoulter in my Masters Thursday outfit just on my way. buzzing #TwitPict //twitpic.com/4hy087
Jamie Howarth
@Jayhowarthgolf Just picked up @DaveHorsey a new headcover from Royal Lytham #HORSE //yfrog.com/h8l43alj
Dale Marmion
@DaleMarmion My #R11 and other goodies came yesterday from TaylorMade!let's see how this bad boy performs :)
Rife Putters
@RIFEPUTTERS Thanks to Champions Tour player, Jim Thorpe, for visiting us today for a putter fitting. It was nice seeing you again!
Sara Dickson, PGA
@Sara_PGA @kjpga Lunch break: back of range, tour striker off dirt, underneath branch 10 yds away. Reg club looks like a pancake flipper after that!
Black Widow Golf
@BWonTour New shoes debut at the 2011 Masters. yfrog.com/h4gwewjj
@BWonTour News shoes debut at 2011 Masters cont'd yfrog.com/hs7b8rwj
@BWonTour New colored shoes debut at 2011 Masters...cont'd yfrog.com/h8c1dqxj
Jack Nicklaus
@jacknicklaus Jack starts the 2011 Masters with the new Nicklaus Equipment ML4 driver - launching a drive over 275 yards to... //fb.me/FxnkPjjl
Kris Blanks
@krisblanks Thank you to the boys @ScottyCameron for such a wonderful putter that arrived on my door step today. I see alot of money being made by it!!
Arron Oberholser
@ArronOberholser Its raining....in April....in scottsdale. Good thing I've got the stay-dry bag. Crazy weather. //yfrog.com/h3bn5eqgj
@ArronOberholser Might go with this one. The futura sure was good to me in the past. //yfrog.com/h2dfnsaj
Nike Golf
@nikegolf Nike's @StewartCink using his Method putter on #1 at #Masters Par 3. Good luck tomorrow Stewart! //yfrog.com/h070nbqj
@nikegolf At the #Masters Par 3 contest Anthony Kim rocked the Nike Air Range w/integrated traction outsole! //yfrog.com/hss0tmp
@nikegolf Nike Tour Van built a strong VR Pro prototype 3 wood for Anthony Kim-built to hit high draws for #Masters holes 9, 10, 13
@nikegolf Check out @TigerWoods golf bag heading into #Masters rd 1-Lots of Nike VR & Nike Method 003 putter //yfrog.com/gyh7bupj
@nikegolf Teeing it up on 12 today at The #Masters, @TigerWoods stuck it to 8 ft w/his VR Blades //yfrog.com/gy585uixj
Stewart Cink
@stewartcink Masters week and we're renting from a multi-vehicle family. Can't wait to take this baby down Mag Lane!! //plixi.com/p/89974567
@FootJoy Check out @bubbawatson in Ltd. Ed. Augusta Inspired FJ Icon with Green Croc. Enter to win at FootJoy.com yfrog.com/h0tbtjj
Dale Marmion
@DaleMarmion In @TourXNick getting my putter lengthened inch and a half!physio went well and shoulder feels better everyday :)
Francesco Molinari
@F_Molinari RT @nikegolf: World #15 @F_Molinari sporting the Black Limited Edition Nike Lunar Control for a practice rd w/his //twitpic.com/4hjf2y
Black Widow Golf
@BWonTour Inside the locker room at The Masters! New shoe colors debut! yfrog.com/h25fwuroj
Titleist Europe
@TitleistEurope Deep milled, squareback, centre shaft. Ready & waiting for Pablo Larrazabal. Lucky fella! //twitpic.com/4hmpki
Callaway Golf
@CallawayTourSpy Phil Mickelson plans to use 2 #RAZR drivers at the Masters. Would you ever put 2 drivers in your bag, and why?
Graeme McDowell
@Graeme_McDowell My new @Srixongolf Gmac 'painters' cap debuts this week at the Masters. Looks great. //yfrog.com/h025bcxj
Stuart Appleby
@StuartAppleby This is what my clan needs maybe another 2 seats as well yfrog.com/gyeq3qsj
Sligo Wear
@sligowear @sligowear, we are very excited that our Spring 2011 collection is starting to hit store shelves!
Eidolon Golf
@EIDOLONGOLF Mickelson going with 2 drivers again this week at Masters. 1 is 1 inch longer for 3 specific holes. That's precision. //bit.ly/gAabK4
Ian Poulter
@IanJamesPoulter Got all the Footjoy icons lined up for the week ahead. #TwitPict //twitpic.com/4h9exh
@Titleist Bob Vokey is busy building wedges in the Titleist Tour Van today at the Masters //twitpic.com/4ha2br @vokeywedges
@Titleist A couple more pics of "The Voke" at work in Augusta: //twitpic.com/4ha2mn //twitpic.com/4ha2mk @vokeywedges
Richard Adby, PGA
@richardadbygolf Loving my new Myjoys!!! yfrog.com/gz3dvvwj
Nike Golf
@nikegolf Today @TigerWoods said "not putting well has cost me a few Masters." Later he was seen w/the Nike Method //yfrog.com/hsw2ursyj
@nikegolf On The #Masters iconic 13th @StewartCink was working on his 3rd shot, dropping golf balls 60-80 yds out //yfrog.com/gyek5yzj
@nikegolf A peek inside the arsenal of @Paul_Casey for #Masters week. PC came by to switch into the new 20XI bag yfrog.com/h8c63xrj
@nikegolf Something fun for The #Masters...new VR Pro wedge for Anthony Kim....it could go into the bag! //yfrog.com/gyzd9pqj
@nikegolf Kickin it in the tour van this AM in Augusta- team sportin some id'd #Masters edition frees yfrog.com/hsn8zujej
@nikegolf Bald is "in" at the Nike Tour Van as @StewartCink & Ben go over club specs for The #Masters //yfrog.com/h3cxcnzj
@nikegolf Dialing in @stewartcink 's VR Pro combos for the #Masters - Flattening the 9 iron just a touch. yfrog.com/h0oseybj
@nikegolf PC (Paul Casey) stopped by the van this morning to check out his new 20XI bag for #Masters week. Spacious! yfrog.com/gy2vcxpj
Mike Brown, PGA
@MikeBrown_PGA My new #Rife putter should be arriving tomorrow. Might be giving my @ScottyCameron a rest. We'll see. #RifeBarbados
TaylorMade Golf Europe
@TaylorMadeTour All of our TM staffers will be picking up these lovely driver headcovers this week... //twitpic.com/4h99h0
@TaylorMadeTour ...and these beautiful putter headcovers for their Ghosts! //twitpic.com/4h99p8
Clare Queen
@ClareQueen Just unpacked some boxes of under armour clothing, feels like santa has been!
Heather MacRae
@hezzmacgolf So we have all seen women golfers looking a bit manly in their golf gear, but just saw a man trying very hard to look like a woman in his!!
TaylorMade Golf
@taylormadegc Burner SuperFast 2.0 & R11 3-woods both built for PGA Tour winner last year we can't name. //twitpic.com/4h871w
@taylormadegc World No. 1 Martin Kaymer added a 1/2 degree to his R11 this week, to 8.5, to get more carry distance.
@taylormadegc Martin Kaymer's R11 settings for this week are dialed: ASP: neutral/square face, FCT: 8.5 deg loft, MWT: 5-grams/heel, 3-grams/toe
@taylormadegc Justin Rose ordered a Burner SuperFast 2.0 3-wood and 4-wood this morning... //twitpic.com/4h94uw
@taylormadegc JRose put a lob wedge in play yesterday w/just 06 bounce for tight greenside lies & bunker conditions; after practice said he loved it.
@taylormadegc JFuryk asked for a lob xFT with more bounce/10-deg, up from 6 to better play greenside bump-and-runs //twitpic.com/4h9z3z
Ian Poulter
@IanJamesPoulter just doing my ironing for the week. get it all done today. happy days #TwitPict //twitpic.com/4h0grv
Cobra Golf
@cobragolf will go well w/ Cobra sticks RT @IanJamesPoulter: just doing my ironing 4 the week. get it all done 2day. //twitpic.com/4h0grv
Mina Harigae
@minaharigae Heading to the Taylormade Kingdom now to get some new toys!! It feels like Christmas :)
Nike Golf
@nikegolf Nike Tour Van is busy at The #Masters-Adding some wraps to the grip on Lucas Glover's VR Pro wedge //yfrog.com/h31xcnxj
@nikegolf Some of the Nike Athletes will be sporting a new Nike golf bag at The #Masters - check it out! //yfrog.com/gzz4wyj
@nikegolf Nike athlete / master putter designer @Paul_Casey sketching up some Method putter designs at the Nike house in Augusta yfrog.com/h47ijxqj
@nikegolf Nike's @Paul_Casey getting a #Masters practice round in today & wearing Limited Edition Lunar Controls! //yfrog.com/h2emhsmj
@nikegolf Nike Athlete & 09 US Open Champ Lucas Glover preparing for a chance to win his 2nd Major //yfrog.com/gy4m7swj
@nikegolf Nike Athlete Lucas Glover working on some bunker shots today at Augusta National //yfrog.com/h0wcmtfj
@nikegolf Nike Athlete Charl Schwartzel hitting his VR driver on the 7th tee today at the #Masters //yfrog.com/h86vvlij
Sofie Andersson
@sofieandersson The lady at check in didn't weigh my golf bag. Booyah! :)
Ping Golf
@PingTour PING Pro Miguel "The Mechanic" Jimenez hit balls this morning at Augusta with a fresh set of S56 irons... //twitpic.com/4gyvb4
@PingTour PING Pro Hunter Mahan has his S56 irons spec'd out before he begins his practice round this afternoon //twitpic.com/4gypsk
Simon Wilson
@pgatourshaftrep "@TaylorMadeTour: Just an FYI, the winner of the Trophee Hassan II used a Burner SuperFast 2.0 white driver! With a Project X 6C12 shaft!
@pgatourshaftrep "@sggt_uk: @pgatourshaftrep hi, what is the most common swing weight for drivers and irons on tour?"D2 to D4!
TaylorMade Golf
@taylormadegc Sabbo's happy with the special season opener putter cover we gave him for his prized Ghost TM-770. //twitpic.com/4gxu9n
TaylorMade Golf Europe
@TaylorMadeTour Players this week are looking for more loft on their drivers, fairways & hybrids for extra carry/less roll & land softly on the hard greens
Stuart Appleby
@StuartAppleby Player badge (yes we do need stinking badges) They are numbered based on the order you turn up. Defending champ gets No1 yfrog.com/gz7e7jrij
Stewart Cink
@stewartcink The Masters is the unofficial beginning of SWAG season. //plixi.com/p/89393651
@stewartcink More SWAG. //plixi.com/p/89393799
Mizuno Golf
@MizunoGolf_ 04/04/2011 - Lewis drives to first major win: Lewis matches Tseng off tee with JPX800 driver. //bit.ly/gUVWJ9
@Titleist Pro V1x loyalist Stacy Lewis wins first major @KNCGolf, leads 1-2 finish for Titleist golf ball players //bit.ly/esu4eV


text:
This past week, our biggest story was a scoop that we got to ahead of most major news outlets: a bunch of billionaires were backing a company that planned to retrieve and mine asteroids. If that sounded a bit mind-boggling, it had nothing on the next most popular story, which described how quantum mechanics lets you make a decision that influences the result of measurements you made earlier. Another counterintuitive story indicated that the best solar panels are made of materials that could also be an efficient light emitter. All in all, a pretty surprising week in science news.
Asteroid takeout—a one-billionaire mission to bring a 500-ton asteroid to Earth by 2025: Soon after the delivery of a report proposing the retrieval of a 500 metric ton asteroid to Earth orbit, a firm called Planetary Resources will announce itself on Tuesday. The firm is backed by several billionaires.
Quantum decision affects results of measurements taken earlier in time: An entanglement experiment involving four photons appears to play tricks with time: taking one measurement appears to affect the result of a different, earlier one.
Thinking in foreign language makes decisions more rational: Psychologists found that considering decisions in a non-native language makes people more deliberate and more rational than if they considered the same decision in their native language.
Solar cells must emit light to attain perfection, research suggests: Researchers at the University of California, Berkeley, have hit upon a counterintuitive means of boosting the efficiency of solar cells: making them emit light.
Climate change proponent realizes he was wrong, but for the wrong reasons: James Lovelock, an environmental scientist, has been painting pictures of a climate catastrophe that had no foundation in science. Now, finally, he's realized that he probably got things badly wrong.
Moving day for Discovery : Taking the place of Enterprise, Discovery is moved into the Smithsonian's Udvar-Hazy Center.
University of Florida guts computer science department in budget-cutting move: Facing a budget crunch, the University of Florida is ending all research in its Computer & Information Science and Engineering Department.
Synthetic DNA substitute gets its own enzymes, undergoes evolution: Researchers have synthesized a set of chemical relatives of DNA that can base pair and transfer information with it. They then evolved enzymes that could copy it, and showed that the synthetic genetic material could undergo molecular evolution.
How science failed during the Gulf oil disaster: Christopher Reddy recounts his reaction in the days and months after the BP oil spill as an academic performing research in the field.


text:
Hello Fellow Heathens,
Long time no see. I haven't post anything in ages, but I'm back.
So, guys this is going to be a somewhat long post bear with me please. I REALLY want your inputs. From a theist friend I have gotten several complains that when he goes to atheist forums and he's curious about any question he gets insulted and banned from the forum and called a troll. I tried to explained to him that the problem is that we do get lots of trolls and it's a problem to differentiate who has a legitimate question, specially in this medium. He still defended his position saying that it was not fair, he honestly has legit. questions, and I can't deny that he does. In my opinion, this behavior gives us bad reputation, and I believe we are better than that. One thing I can fully grant is that sometimes we get carried away and we insult people needlessly. There are more eloquent, elegant, and productive manners to tell a person something along the lines "please go do some research first," than just calling him/her ignorant and some other unnecessary slang. Now this is where the long part of the post starts, because I got the chance to do just what I stated in Facebook. This whole post started because an acquaintance of mine said, "(my name goes here) does not buy into the whole god thing and not because she knows little, but, because regardless of who was pulling her strings, she found science suited her better… remember even science requires faith as what is still unseen, remains just a calculated theory while the search continues..." So, in response I went in length to explain that there's not such thing a faith based science, and I deconstructed the way the words faith, believe, etc. are used, and the semantics of it. Ok so far so good, nothing related to God just yet. But, this guy jumped into the conversation and geez here we go again.
First: One can see that there are several holes in his argument.Second: My first answer to his post. Bear in mind that I have been talking about faith based science for some time and I'm exhausted and this point. It's quite late. But, again, no insulting.
Third: Next day. His response:
As you can see, I underlined two particular phrases out of his response. The first one: "faith-based," because in my view, and I'm sure in many of you, the moment a person says "faith-based" there's no longer a conversation. The second underline is about educating him. And, this is where I feel where the problem lies when it comes to differentiate 'trollers' and people with legitimate questions.
Lastly my answer,
So far I have not received an answer. I might get one. I might not. Going back to my first point, the legitimate questions, I think this guy really don't know and he is trying to defend his view with the information he has. I have no idea if he's a Christian, I just made an assumption. By the way, if by any chance the blog I spoke of goes through I hope I can get some fellows from TA to back me up. Furthermore, as an agnostic atheist I get frustrated too with repeating the same information over and over and over again. It's tedious, time consuming, and I understand and feel our overall mentality and view, which goes something like that, "the research, and information is already there, if you don't want to read and take the time to educate yourself why on earth I have to do it for you. I'm a person, just like you, and I have other things to do than just sit down in front of my PC for hours on end educating you regarding something that's already been debated over and over again." But, could you we do this in a more civil manner? I know we have had some somewhat similar discussions, but I look forward to your inputs. Feel free to constructively criticize my responses too. If you think I could have used some other arguments or words, please let us all know. I'm sure we can all benefit from brain-storming here together. Feel free to talk of your own experiences also.
Thanks Everyone,
Views: 978
Well yes, that's the point.
Of course the actual change is gradual.
What I am alluding to is the fact that when we assign an organism to a species we necessarily _artificially_ imply a sharp dividing line where there isn't one. Some critter 2 million years ago was a) both my ancerstor) and b) clearly an australopithecine. I am a member of genus homo. So were my parents, so were their parents, on back.... but at some point, because of modern naming conventions, the organism has to be considered an australopithecine even though it looks just like the genus-homo offspring it had.
It's the purely arbitrary "sharp" dividing line that really isn't that seems to cause a lot of confusion. You and I know it's an artifact of our need to bucket things into categories even though there's a continuous spread of things, but many theists imagine that every australopithecus afarensis looks like every other one, not realizing that the (artificial) species in fact covers a spread between two individuals that are one generation away from being a species apart.
Dawkins harps on this at length in "Greatest Show On Earth." It's usually clear, given a frozen slice of time (e.g., look at the world as of today), what the different species are, but go back in time and the dividing lines in the time direction become very arbitrary.
@Steve - I knew what you meant, but I was concerned that someone less knowledgeable might not, and attempt to pass your statement off as fact.
RE: "every australopithecus afarensis looks like every other one" - that would be as absurd as believing that all Homo Sapiens look alike.
And of course there is that classic graphic where the text transitions from red to blue as it explains how evolution is gradual and you don't in fact have sharp dividing lines between species as one evolves into another.
RE: "there is that classic graphic where the text transitions from red to blue as it explains how evolution is gradual and you don't in fact have sharp dividing lines between species"
I guess I haven't seen that - if you have a link to it, I'm sure that many of us could put it to good use.
To parallel the point I was rather clumsily trying to make:
Imagine that instead of life forms, we are dealing with colors and that there was another population of red characters that eventually became yellow by way of orange, and today we see blues and yellows out there.
Creationists would say if evolution is true, then blues came from yellows, rather than the common ancestor, red. Also they'd demand to know why there are no blullows or yellues out there. And Richard Dawkins would try to sport a blue-yellow tie instead of his crocoduck tie (but such a color, it turns out, is impossible, so perhaps he'd wear a striped tie). And we wouldn't have a user farming fronkeys, but rather maybe farming orangutans (which wouldn't mean the ape, but rather orange-tans).
Scientists would today name two species, call them Chromus aureus and Chromus azure. Undeniably different species.
Species distinctions work OK until you try to plot their histories, and classify all of the critters into discrete species "buckets." Colorologists dig up fossils that look purple and red, and correctly infer that there must have been Chromus violet and a Chromus rose species. Then the creationists step in and demand to see transitional forms, and of course we know that even if someone were to find a blue-purple fossil, they'd want us to produce the blue-blue-purple and the purple-blue-purple fossils.
A lot of the confusion (on the part of creationists) and frustration (on our parts, trying to deal with confused creationists) stems from our habit of trying to "bucket" and "classify" things, which is an entirely good habit to have, actually. It becomes problematic when you are dealing with a gradation, which you get when looking backwards in time. There are hominid fossils that anthropologists argue over, which species is it? There are species, in fact, recognized by some anthropologists but not by others, who consider those fossils to belong to some other species instead. The real argument is where to draw the boundary line between two species, and returning to the color example, that means between blue and purple, or purple and red. The way things are right now, a character on the graphic will be classified as either blue, purple, or red. Though some biologists will try to declare blue-purple or purple-red to be a newly discovered species when one of them is found--but that just pushes the dilemma down further.
I begin to think biology needs to come up with a new classification scheme when dealing with paleontology, allow for calling something a name that indicates it's a transitional form, rather than forcing it to one side of an arbitrary line or the other. Some fossil could be classified as a Homo sapiens/rhodesiensis when it looks midway between the two.
(Homo rhodesiensis is a new one on me, I found it here: https://upload.wikimedia.org/wikipedia/commons/thumb/3/3a/Humanevol...) Those darn scientists should make up their minds and quit making shit up just to confuse good bible believing Xians. (*barf*)
I begin to think biology needs to come up with a new classification scheme when dealing with paleontology, allow for calling something a name that indicates it's a transitional form, rather than forcing it to one side of an arbitrary line or the other. Some fossil could be classified as a Homo sapiens/rhodesiensis when it looks midway between the two.
Given the several extinct species of homo, aren't we doing that already? Consider this from Wikipedia:
Genus - Homo [or humans; specific and specialized development of memory/learning/teaching/learning application (learning driven ethology)]
Species - Homo habilis [refined stone technology; earliest fire control]
Species - Homo ergaster [extensive language, complex articulate language]
Species - Homo erectus [fire control, cooking; aesthetic/artistic refinement of tools]
Species - Homo heidelbergensis [possible earliest sanitary burial of deads, accompanied with symbolic/formal supplement]
Species - Homo sapiens [further development and specialization of learning application; active environment transformation, acclimatization and control; infrastructures and advanced technology]
Subspecies - Homo sapiens idaltu
Subspecies - Homo sapiens sapiens
Well yes, that has happened. But there will _always_, no matter how much you subdivide, be something kind of in between that could be found, until you get two "species" so close together that there's no point in considering them separate species (and when it's paleontology you can't crossbreed them to see if they are indeed separate species).
But sometimes you can check in other ways.
There's already evidence we crossbred with neanderthals (we have some of their DNA in our gene pool but only in European-descended people) and clearly the crossbreed was able to reproduce, so Homo sapiens and Homo neanderthalensis aren't separate species. (I generally see them treated as subspecies: Homo sapiens sapiens (us) and Homo sapiens neanderthalensis.
It stands to reason that their common ancestor, Homo rhodesiensis, can't have been a separate species either, a rhodesiensis alive today would be closer to us genetically than a neanderthal.
So perhaps we've already over-divided the fossil record? But even over-divided there will be demands from creationists to produce the transitional forms....
Steve, RE: "we crossbred with neanderthals (we have some of their DNA in our gene pool but only in European-descended people)"
In an article I read recently, but didn't save a link to, it was reported that there was surprisingly little Neanderthal DNA found in Europeans, despite the fact that that's where most N. fossils have been found. It was most prevalent among Asians and Native Americans, who of course, are descended from Asians. I'm sure the article is still out there somewhere, it was just a couple of weeks ago.
If true, interesting. Does it mean I misremembered the range of Neanderthals? Or that the people who crossbred in Europe later migrated to Asia? Either way, it doesn't disprove my main point--we crossbred with Neanderthals, and the offspring were able to pass that inherited DNA on. So they can't have been a separate species.
What did you think of the graphic? I posted the link like you asked for.
TA member Suzanne Olsen-Hyde and I discussed the article, and she postulated that possibly H. Sapiens ran them out of Europe and into Asia, but since the majority of fossils were found in Europe, either there are fossils in Asia that haven't yet been discovered, or they visited Asia for a considerable period before moving on to Europe and extinction.
"Europeans carry somewhat fewer genes from Neandertals than do East Asians and Native Americans."
@Steve - RE: "What did you think of the graphic? I posted the link like you asked for."
At first, I missed it, then went back and found it. Excellent analogy! That gradient must have taken a lot of work.
For any who may have missed it too, here's the link again - DEFinitely worth a look --
(PS - I figured it out - it's not typed, it's a JPEG - it was typed in Photoshop, then a gradient tool was applied. Clever!)
I always wonder why the anti-evolutionists get hung up on monkeys. If you take evolution seriously, our ancestors include fish and single-cell organisms as well.


text:
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- 5.0
Great truck!
By BH1 on Tuesday, August 01, 2017After about 1000 miles I can say that this truck is great. There are a few reviews out there that suggest the powertrain is lacking, but after learning to drive it, I feel the powertrain is great. The problem seems to be in the transmission according to some. When in D the transmission behaves similar to most vehicles that are set to eco mode. Late shifts, poor power etc. However, Toyota has engineered workarounds. Simply sliding the gear shifter over to S lets you limit use of the overdrive gears, keeping the truck in the powerband. There is also an ECT power button that modifies the shift pattern for later shifts. I pull around 3,000lbs with this truck 3-4 times a week. Put it in S4, hit the ECT button and it pulls as expected for a truck this size. Dont listen to the negative reviews, it is goofy how Toyota programmed this powertrain, but it is completely adequate after you learn how to drive it. I find the interior comfortable enough, and the car seat fits nicely in the rear. It looks great and has great utility and tech. Really the only negatives of this truck are the lack of a power seat, lack of passenger side keyless entry and no option for leather in the TRD models. But hey, nothing out there is perfect!
- 5.0
Best looking and functional truck on the road
By PTTaco on Thursday, November 16, 2017This is my second new Toyota truck and it is an absolute dream. Dont listen to the bad reviews until you drive one. Mine is a 2017 TRD Off Road double cab with the premium package. The engine has plenty of power (278HP) and the transmission is easy to get used to. The only downside is the price. They are expensive but well worth it it if you plan on keeping the vehicle for an extended time. They have the highest resale value of any vehicle on the road.
- 5.0
2017 SR5 4wd Crew Cab.
By Golfer on Thursday, July 20, 2017Prior to purchase, I saw mixed reviews on the new generation. Initially the transmission seemed to be a bit jumpy. But is it a learning transmission. I took it out on a 700 mile trip through flat lands and mountain passes. The transmission settled down and is now really smooth. I would suspect if you driver it hard, the transmission will remember that and learn accordingly. The engine seems to have plenty of power and if you need a little more spunk for hills and towing, there is a button on the dash below the 4x4 nob that will change the shift patter. The seats are great. The new model seats are a bit more elevated that the previous years. Still could use a little more option for adjustment, but it is adequate. Mine has the lumbar adjustment, very effective and easy to us. I am 6 foot and I fit just fine in the truck with head room to spare. I test drove a Sport model as well. The Sport seats seem to set you lower into the seat and the bolsters were a bit to aggressive for me. I found my self having to lift myself out of the Sport seat to try to get out. The SR5 seats sit up a bit more and I just slide out of them. My SR5 came with a factory installed tonneau cover and the tow package, which I highly recommend both. Initially the suspension seemed a bit bouncy on ruff roads, but after the long drive on various roads and terrain, it seems to have settled down. Around town I am averaging 18-19 mpg. But, out on the highway at 65 to 70 mph I saw 24. Anything over 75 dropped the mileage down to 21. The truck is really easy to maneuver in parking lots/spaces. If fits well inside of the garage.
** Price(s) include(s) all costs to be paid by a consumer including $399 documentation fee, except for licensing costs, registration fees, and taxes.
Price includes all costs to be paid by consumer, except for tax, title, registration, license and Documentation fee of $599. While every reasonable effort is made to ensure the accuracy of this data, Dayton Toyota is not responsible for any errors or omissions contained on these pages.


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Stocking Stuffer Ideas for Teens
These timeless stocking stuffer ideas for Christmas are perfect for teen girls and boys. Get them something they'll love and use for years.
Love the Cardinals and therefore love sporting these comfy earbuds at the gym. Prefer the over the ear style so they don't come off while running....
ITEM#: 12504667These Nemo Digital Jogger's Earphones feature the St. Louis Cardinals team colors and logo. They also contain an MLB logo wire slider and team logo jack. These earphones make a great gift for the Cardinals fan in your life.
|Digital Stereo
|6.0 in.x 5.0 in.x 2.0 in.
|1 year Manufacturer
|Model Number
|Country of Origin
these are garbage, plain and simple. I buy inexpensive headphones often because I run 20-30 miles a week. It doesn't matter the brand, but inevitably moisture gets inside, so I am unwilling to invest in an expensive pair. $10 models are out there and I do like how these fit in the ear. Sound quality might be fine for voice, but music quality is horrid.
Love the Cardinals and therefore love sporting these comfy earbuds at the gym. Prefer the over the ear style so they don't come off while running.
These timeless stocking stuffer ideas for Christmas are perfect for teen girls and boys. Get them something they'll love and use for years.
Christmas is the perfect time to gift headphones to the gamer, music aficionado, and tech-savvy person in your life. Electronics companies develop new tech and release new models every year, but knowing the basics will help you find the best headphones within your price range. We're here to help you avoid duds and find the gems amidst all the choices with our list of top headphones for 2016.
How to Charge Your USB Devices While in Your Car from Overstock.com. Our guides provide customers with information about how to charge USB devices while in a car.
Filling a stocking with small gifts and treats is one of the highlights of the holiday season. Check out these stocking-friendly electronic gadgets.
From rugged and waterproof outdoor speakers to wireless speaker sets for quality indoor surround sound, Bluetooth speakers are a must-have for the music lovers, partygoers, and outdoor enthusiasts on your list. Check out these top trends to get started on your Christmas 2016 shopping.
In the hurry and flurry of Christmas Day, don't overlook the gifts found in Christmas stockings. Stocking stuffers are usually smaller and less expensive than what you put under the tree, but they're a thoughtful and ideal way to celebrate the personality or interests of those on your list. Peruse our options and you'll be ready to grant the holiday wishes of the special people in your life.
Forget the flowers and chocolate, and treat the man in your life to an extra special gift this Valentine's Day. Finding the perfect gift is sometimes difficult, but remember that you can't go wrong with a thoughtful, personal, and romantic present during this holiday devoted to all things love. If you're looking to give your significant other a truly memorable Valentine's Day gift, here are a few suggestions.
Extended Warranty Buying Guide from Overstock.com. Our guides provide customers with information about extended warranties.
Usually leaves our warehouse in 1-2 business days. *
Our standard shipping method is ground shipping. We also offer expedited shipping for most items. Your final
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Nemo Digital MLB St. Louis Cardinals Jogger's Earphones
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|Canton, Ga.
|High School:
|Carlton J. Kell
2008: Season-low 8k of 27:36 finishing 11th at the Pepperdine Invitational ... Placed 31st at the Peach Belt Championships which was 5th among GCSU harriers ... At the NCAA Regional finished 47th with a time of 35:26 which was good enough for 3rd among Bobcat runners ... Was on the PBC All-Academic Team.
2007: Placed eighth at the Peach Belt Championships, earning All-PBC status ... Finished the 8k in a season-low 27:12 ... Ran in all seven meets, leading the Bobcats at four, including the NCAA Regional with a 34:28, good for 26th ... Finished runner-up at the Sewanee Tiger Twilight Invitational (27:45), earning him PBC Runner of the Week ... USTFCCCA All-Academic Team ... PBC Silver Scholar.
2006: Ran in six meets for the Bobcats in 2006... He recorded two top ten finishes... He ran his season best time with a top-10 finish at the Peach Belt Conference Championships with a 27:15, earning All-PBC status ... PBC Presidential Honor Roll.
High School: Josh graduated from Carlton J. Kell High School in Marietta.
Personal: Is the son of Mark and Lydia Hollar ... Born Dec. 19, 1987 ... He lists Steve Prefontaine as his favorite athlete ... Favorite movie is "The Breakfast Club" ... Goals include running a sub-four minute mile ... Team representative of Student Athlete Advisory Committee.
|Best 8k
|Best 10k
|Top- 10
|Top- 20


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Here's something you probably never thought you'd hear: Health insurance is about to get interesting.
New discounts. New benefits. New rules.
And a new place to buy.
Come Oct. 1, people can start signing up for health insurance in the new Affordable Care Act marketplace, or exchange. All individuals, families and small businesses can use it, some getting money to do so.
So, are you ready to buy? Maybe? You're not really sure?
Here's what you need to know.
Here's your deadline
The ACA health insurance mandate starts Jan. 1, 2014, requiring almost all Americans to have health insurance or pay a penalty. There's a three-month grace period before the penalty kicks in, however, so if you don't have insurance right on Jan. 1, you're OK. But don't be an April fool.
People who are very poor (those under the federal poverty level) and who live in a state that didn't expand Medicaid (like Maine) are exempt from the penalty. You can also get an exemption if:
— Your religion prevents you from accepting insurance benefits.
— You're part of a health care sharing ministry.
— You are a member of a federally recognized Indian tribe.
— You lack insurance for less than three months in a row.
— You have suffered a certified hardship.
— You can't afford coverage because you'd have to pay more than 8 percent of your household income for it.
— You're behind bars.
— You are not a U.S. citizen, a U.S. national or an alien lawfully present in the U.S.
If you have affordable insurance through your employer, you're all set. Likewise if you get health care through the military, Veterans Affairs, Medicare, Medicaid or some other insurance program.
If you don't have health insurance, the act wants you to get some. Like, soon.
Insurance can still be bought and sold the regular way, through agents. But starting Oct. 1, it will also be sold through the marketplace, a virtual shopping center where people and small businesses can compare prices and benefits. Think online shoe shopping — it's all about what fits, what suits your needs and how much you can afford.
Although insurance can still be bought elsewhere, federal subsidies and tax breaks will only be available for insurance bought through the marketplace. (Except for catastrophic plans. No subsidy for those.)
Open enrollment will last from October 2013 to March 2014. In future years, it will run from October to January. You can buy individual health insurance only during this time unless you lose your job, get married, have a baby or something else big happens in your life. This is the new rule for insurance bought on or off the marketplace.
How to get started
So how do you buy insurance from the marketplace? Let us count the ways.
— You can sign up at Healthcare.gov, the official marketplace website. That site will also give the names of "navigators" and certified application counselors — federally designated helpers — who will be able to assist with paper applications.
— You can sign up through the marketplace hotline: 1-800-318-2596 for individuals or 1-800-706-7893 for small businesses.
— Specially trained insurance agents and brokers can sell insurance from the marketplace. Healthcare.gov should be able to provide the names of those people.
All of those options should be free to you. If someone wants to charge you for helping with an application or signing up for the marketplace, that's a red flag for fraud. More on that later.
A look at the cost
Right now, two companies will likely sell to Mainers through the marketplace: Maine Community Health Options and Anthem Blue Cross and Blue Shield.
MCHO is a new nonprofit insurance co-op run by members for members. Anthem is the state's largest health insurer, and it has partnered with MaineHealth, the state's largest health care organization, to offer marketplace plans.
Their prices are based on where you live, how old you are and whether you want a catastrophic, basic (bronze), middle-of-the-road (silver) or high-end (gold) plan. Anthem's prices also increase if you smoke.
In general, if you're a twentysomething non-smoker in Southern Maine, you'll pay the least. If you're a retirement-age (but not quite Medicare-age) smoker in Northern Maine, you'll pay the most.
How much will you pay exactly? The marketplace will tell you once it's up and running Oct. 1 at Healthcare.gov. In the meantime, the Maine Bureau of Insurance has some examples:
— A 21-year-old nonsmoker from Cumberland County will pay $155 a month for Anthem's limited-benefit, high-deductible catastrophic plan.
— A 30-year-old smoker from Oxford County will pay $234 a month for MCHO's basic bronze plan.
— A 40-year-old nonsmoker from Androscoggin County will pay about $325 a month for MCHO's middle-of-the-road silver plan.
— A 50-year-old smoker from Penobscot County will pay about $599 a month for MCHO's high-end gold plan.
— A 60-year-old nonsmoker in Washington County will pay about $754 a month for Anthem's gold plan through a small group, likely his employer.
But like anyone who's ever used health insurance knows, you don't just pay the monthly premium. There are also co-pays, deductibles and a host of other checks to write. That monthly price can be the least of your worries if you go to the doctor a lot or wind up in the hospital with third-degree burns after saving a house full of orphans and kittens from fire.
The federal government has designated official "navigators" to help people and small groups, well, navigate. In Maine, navigators will come from Western Maine Community Action and a partnership between the Maine Lobstermen's Association and the Massachusetts-based Fishing Partnership Support Services.
Those navigators are getting trained now. Come Oct. 1, they'll be able to explain the marketplace and differences between insurance plans. However, they won't be allowed to recommend a plan or tell you which one you should chose.
Certified application counselors will also be available to help through various groups, likely community health centers, hospitals and social service agencies. Like navigators, they won't be able to tell you which plan to choose.
So which plan will, ultimately, give you the best coverage for the lowest cost? Depends on your needs and how you'll use your insurance. That's something you'll have to decide.
You may be eligible for a subsidy
If you're concerned about cost (and, really, who isn't?), the federal government may give you money to help pay for your health insurance. AKA, a subsidy.
If you need to buy your own insurance (because an affordable plan isn't offered through your job) and you earn between 100 percent and 400 percent of the federal poverty level, you can get a subsidy as a tax credit or have it paid directly to the insurance company to lower your monthly premium.
Right now, poverty level is $11,490 a year for one person (modified adjusted gross income). For a family of four it's $23,550.
Also, if you earn less than 250 percent of the poverty level, you can get a subsidy to cap your out-of-pocket expenses at a discounted rate. That means you'll ultimately spend less when you see a doctor after saving those orphans and kittens.
How big are the subsidies? It's a sliding scale, so it depends on your salary. But a family of four can earn up to $94,200 a year and still be within 400 percent of the federal poverty level. According to the Kaiser Family Foundation's subsidy calculator, that family's subsidy could be about $920 a year, or about 9 percent of the premium for the middle-of-the-road silver plan. (The subsidy is always based on the silver plan.)
That family could earn up to $58,875 a year and still be within 250 percent of the federal poverty level. According to the subsidy calculator, that could entitle them to an out-of-pocket expenses cap of $12,700 a year.
Keep in mind . . .
— Anthem's Southern and Central Maine plans are HMOs that have a narrow network. That means you can't go to any doctor or hospital you want and expect insurance to pay for it. That has been controversial.
— When you apply for insurance on the marketplace, you will automatically be considered for Medicaid. If it turns out you're eligible, you will be signed up for that instead.
— Catastrophic plans, which are available only for people under 30, aren't eligible for subsidies. It might be cheaper to use a subsidy to buy a more comprehensive plan with a higher regular sticker price.
— Beware of fraud. Red flags: Someone who wants to sign you up for marketplace insurance before Oct. 1; someone who wants to charge for helping with an application or getting you insurance from the marketplace; or someone who calls, asks for your personal information and says it's for the marketplace or part of new regulations. (Community groups may ask current clients about their health insurance status and ask for permission to contact them about the marketplace after it opens. That's OK.)
Never give out personal information to a caller. Don't pay anyone to sign you up for the marketplace. If you want local, in-person help, look for the list of navigators and certified application counselors at Healthcare.gov and other official resources at www.enroll207.org in the coming weeks.
So what happens if I don't get insurance?
Unless you apply for and get an exemption, you'll have to pay a penalty.
For 2014, that penalty will be 1 percent of family income or $95 per adult and $47.50 per child (up to $285 per family), whichever is more. In 2015 the penalty jumps to 2 percent of income or $325 per adult and $162.50 per child (up to $975 per family), whichever is more. And in 2016 the penalty will be 2.5 percent of income or $695 per adult and $347.50 per child (up to $2,085), whichever is more.
The IRS is in charge of that.


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I'm sorry I didn't have this up earlier so that Mike McCarthy could have had the benefit of my vast football knowledge. Apologies to the Packers. If we lose, I'll accept full responsibility.
We could offer a dozen platitudes about what the Packers need to do to win — control the line of scrimmage, win the turnover battle, win time of possession, get to Kurt Warner, don't let Beanie wells get started, etc. Those are all correct. But let me offer thing that I'd emphasize if I were the head coach.
Start fast.
Nothing is more important on the road — and few things are more important in the playoffs — than starting the game fast. A quick touchdown or a three-and-out followed by a score would do two things: 1) it would quiet what's sure to be a rowdy crowd, and, 2) it would discourage the Cardinal players.
All week we've heard that the Packers domination of the Cards in the preseason and last week didn't matter: The starters didn't play that much; the game didn't matter; the Cards played vanilla on offense; the Cards didn't bring pressure on Aaron Rodgers, etc.
Again, all true. But a quick strike touchdown or a dominating start on defense would get the Cardinal players thinking that the Packers just have their number. That wouldn't necessarily mean a win, but it would go a long way.
My one thought for game-planning: Do something unexpected and do it early. I don't mean the Packers have to get cute. They should do largely what they did to go 7-1 over their last eight games.
But I'd feature someone the Cardinals have not game-planned to defend. Who? Maybe John Kuhn or Jordy Nelson or Donald Lee. If the Packers can sustain an early drive, why not throw three or four balls to Donald Lee? If the Packers throw out of a two tight-end set, the Cards will likely be thinking run. Lee takes one beat, pretends to block and then flares out for a quick screen. Or run plays for Jordy Nelson, who will be matched up on the Cards 3rd or 4th CB. Nelson is good. I still believe he was drafted in the second round for a reason. He's incredibly athletic and football fast. Give him a chance. And even if those plays aren't successful, they'll leave the Cards D somewhat bewildered that the Packers are doing things they didn't see all week.


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The Tongue River Eagles football team hadn't played a game in front of their home crowd since the 2010 season, as there weren't enough players to field a team last year. That all changed Friday, as the Eagles hosted Glenrock for their home opener. While the final score of 39-10 wasn't exactly the outcome that the team, or the fans would have liked, spirits remained high after the loss, as football was once again back in Tongue River.
Keenan Gross accounted for all of the Eagles points with a touchdown run, a field goal and an extra point. Tongue River's defense had trouble all afternoon with the rushing attack of Glenrock, as the Herders chalked up 6 touchdowns on the ground. The Eagles will look to get into the win column with a road game against Moorcroft next Friday.


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May 2012
Publication bias: big problem for children
A recent study in the journal Pediatrics reported that only 29% of clinical studies in children have been published. This finding reinforces previous studies that there is significant publication bias in paediatric studies. These findings are a cause for serious concern.
What is publication bias? Essentially, it is the selected publication of studies based on the results, such as only publishing studies that demonstrate a drug works while not publishing studies that demonstrate harms.
Publication bias is a serious problem in healthcare and can have a large influence on treatment decisions by only providing limited information. Researchers have demonstrated substantial publication bias in certain areas such as the antidepressant medication reboxetine.
Several initiatives have been spearheaded to help reduce publication bias. The creation of open-access journals have shifted the focus from the importance of the results (as judged by a journal editorial committee) to the methodological rigour by which the study was completed.
But more importantly has been the creation of online trial registries, such as ClinicalTrials.gov launched in 2000. These registries serve as central databases of all the current and on-going clinical studies. Registration is optional, however in 2005 the ICMJE made registration of clinical trials as a pre-requisite of publication. Although this does not represent all journals, it sent a strong message of the importance of registration.
However despite the creation of trial registries, less than half of US based National Institute of Health (i.e. government) funded trials in children were registered on ClinicalTrials.gov. Another important finding was the lack of information included on the registries. One-third of all clinical studies terminated early did not provide any information about why they were stopped. The situation was similar for suspended studies with one quarter not providing information.
Were these studies stopped because of harms? Were the investigators no longer able to recruit children to enroll? Whatever the reason the studies were stopped, this information must be made public.
Registration of all clinical studies involving children must be made mandatory. This is the only way to minimise publication bias and increase the reporting of research. This would create massive industry uproar, but is it ethical to enroll children in a clinical study without having it publicly registered? At a minimum any trial that receives government funded must be registered.
However registration of studies is only one element of the formula. What about the dissemination of the results? Less than 10% of completed studies in children had results posted and publicly available. With the low publication rates of registered studies, and the even lower rate of posting results, how much information is still missing?
Indeed progress has been made to increase the quality and transparency of clinical studies in children but more is needed. We cannot assume that because trial registries exist that they are being used. Complacency must be replaced with compliance. It seems that more often than not, the little ones have the biggest problems.
- Peter Gill's blog
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Singapore-MIT Alliance For Research Technology Orders EV Group Automated Production Bonding System For Silicon-On-Insulator And Direct Wafer Bonding
SMART Low Energy Electronic Systems Group to leverage EVG®850LT in advanced compound semiconductor research for wireless ICs, power electronics, LEDs and other applications
Dec 10, 2013, 09:00 ET
ST. FLORIAN, Austria, Dec. 10, 2013 /PRNewswire/ -- EV Group (EVG), a leading supplier of wafer bonding and lithography equipment for the MEMS, nanotechnology and semiconductor markets, today announced that the Singapore-MIT Alliance for Research Technology (SMART) has ordered an EVG®850LT fully automated production bonding system designed for silicon-on-insulator (SOI) and direct wafer bonding using low-temp plasma activation processing. SMART, which is a leading research center established by the Massachusetts Institute of Technology (MIT) in partnership with the National Research Foundation of Singapore, will utilize the EVG850LT system to support its advanced substrate development efforts.
The MIT research center is located outside the United States in Singapore and has five different research groups, including the Low Energy Electronic Systems (LEES) Research Group, which focuses on integrating silicon CMOS and compound semiconductor materials to enable new integrated circuits (ICs) for wireless devices, power electronics, LEDs, displays and other applications. The LEES Research Group features a state-of-the-art fabrication facility, where the EVG850LT has already been installed and is in use.
According to Professor Eugene Fitzgerald from MIT's Department of Materials Science and Engineering, SMART chose the EVG850LT for the center's advanced R&D efforts due to the system's high process flexibility and performance, EVG's experience in low-temperature bonding, and expertise and support in process development. "The charter of our LEES Research Group is to identify new IC technologies that enable devices that consume less power, enable higher performance and open up new applications for information systems. EV Group's technology and expertise will play an important role in supporting this effort," stated Professor Fitzgerald.
The EVG850 platform, upon which the EVG850LT system is built, is the only SOI and direct wafer bonding platform designed to operate in high-throughput, high-yield environments—establishing it as the industry standard in the SOI wafer bonding market. The EVG850LT platform combines all essential steps for wafer bonding—from cleaning and alignment to pre-bonding and IR-inspection—in a single platform. This ensures an ultra-clean production process throughout all stages to enable high-yield, void-free wafers, as opposed to stand-alone processing units that require the wafers to be manually transported in a regular cleanroom environment. The EVG850 supports a variety of advanced substrates, including SOI and silicon on lattice engineered substrate (SOLES) technology, up to 300 mm in diameter.
"EVG has been at the forefront of SOI technology development for more than 20 years, and has established a strong expertise and leadership in engineered substrate bonding. We have worked closely with leading research institutes and inventors of SOI technology, and we are very proud that SMART has chosen our high-throughput, high-yield EVG850 system for their advanced technology development efforts," said Frank Huysmans, regional sales director, Asia/Pacific at EV Group. "This is a testament to our leadership in engineered substrates, from R&D to high-volume manufacturing. SOI wafer producers and researchers rely on EVG's equipment to advance the production and technological capabilities of SOI wafers."
About EV Group (EVG)
EV Group (EVG) is a leading supplier of equipment and process solutions for the manufacture of semiconductors, microelectromechanical systems (MEMS), compound semiconductors, power devices and nanotechnology devices. Key products include wafer bonding, thin-wafer processing, lithography/nanoimprint lithography (NIL) and metrology equipment, as well as photoresist coaters, cleaners and inspection systems. Founded in 1980, EV Group services and supports an elaborate network of global customers and partners all over the world. More information about EVG is available at www.EVGroup.com.
SOURCE EV Group


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By Jeannette E. Warnert, University of California
UC Cooperative Extension advisor Glenn Nader believes two problems could add up to one win-win solution.
The California drought has ranchers desperate for inexpensive livestock feed. Air quality protection regulations that limit rice straw burning leave the rice industry with an abundance of typically low-quality straw to unload. Though it has rarely been done, Nader believes special treatment of rice straw will make it a nutritious cattle food. Two problems solved.
Nader will introduce producers to this new way to get through the drought at a meeting from 9 a.m. to 12 noon July 29 at the Veterans Memorial Hall, 525 W. Sycamore St., Willows, Calif.
When rice straw dries, its value as a forage declines dramatically. For 15 years, UC researchers have been trying to figure out why, but the reason for the significant change is not understood at this time.
"At one time, we thought the problem was silica in the straw," Nader said. "We grew silica-free rice. That didn't work. We thought it was the crystallinity of molecules in the straw. We parsed apart the plant, and we still don't know."
Ultimately, it was a rancher who suggested the scientists to put aside their desire to know why quality declines when rice straw dries and look for practical ways to get around it. Nader postponed his retirement to comply.
Normally, rice growers bale the straw two to four days after harvest. Nader and his colleagues instead baled the straw immediately after it exited the grain harvester. They stacked the green straw bales and covered them with a tarp to retain moisture and prevent spontaneous combustion. The result is a product they named "strawlage." One worry is mold. The researchers found that treating the straw with propionic acid prevents fungus growth.
"We haven't figured everything out, but with the drought conditions as serious as they are, we feel the time is right to share our research with growers," Nader said. "We invite producers to come to the meeting to see if this will work for their operations. Several producers who have already fed strawlage to their cattle will speak at the meeting about their experiences."
Nader believes the UC research into using rice straw for livestock feed will be helpful throughout the world.
Asian farmers produce rice straw in great abundance and their livestock would benefit significantly if the farmers worked to maintain the plant's moisture until it reaches cattle feeding troughs.
The July 29 meeting will cover:
- Nutritional advantages of strawlage over rice straw
- The challenges of baling the straw at 50 to 60 percent moisture
- Additives to prevent mold
- How to stake and tarp strawlage
- The costs associated with the practice
- How cows that ate strawlage last year fared
"Our goal is to give producers information that will allow them to make rice strawlage during this fall's harvest," Nader said. "Both cattle and rice producers are encouraged to attend."
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Tahiry (Joe Budden's Girl) Behind The Scenes Of KING Magazine Shoot
Joe Budden TV reports "GOODBYE KING (behind the scenes @ tahiry's king shoot)"
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Please click anywhere to continue browsing our site.
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If you're looking for tire sales in NY or tire repair in NY, trust any of the locations below. The following tire shops are proud members of the New York Tire Dealers Association.
You can rely on them to deliver competitive pricing, courteous and quality service, and a diverse inventory of tires to meet your driving needs. Whether you're shopping for new car tires or need a flat fixed, any of our participating member shops is there to help.
Find a NYTDA member below when you need tire services in the Empire State.
Runway Tire - Astoria, NY Back to Location List
Way back in April 1921, a group of tire dealers met at the old Automobile Club of America on West 54th Street and founded our association pledged, "To do business on the square." J.R. Benedict of the Hewitt Rubber Company, a tire manufacturer, called the initial meeting. Jerome T. Shaw of Tires magazine assisted in arranging the first meeting. In 1934, the association held its largest meetings and took an outstanding part in problems as they related to the independent tire dealer. It was at this time the name was changed to Greater New York Tire & Battery Association. In June 1937, the association entered into a contract with Charles F. Root under which Mr. Root assumed the general management of the organization.
For many years, no apparent need for a local organization seemed to exist and the only function held was the annual dinner dance. In 1969, Bert Schwarz asked Fred Dresdale, a past president of the National Tire Dealers and Retreaders Association and a member of our local organization, to take the presidency. Under Fred's guidance, along with the help of men like Al Hansel, Dan Chiswick, Harry Jaffess, Steve German, Frank L. Cohen and Herb King, the organization was revitalized. The name was changed again to the Greater New York Tire Dealers and Retreaders Association. In 1989, the Officers and Board of Directors enacted a new set of by-laws to encompass the entire state of New York. Hence, the new name of the organization, the New York Tire Dealers Association. So if you need tires in New York, check out some of our members today!
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Phone: (631) 789-9505
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Vengeful Gladiator's Armor (warlock)
|This disambiguation page lists articles associated with the same title.
The following is a list of links to pages that might share the same title. If an internal link led you here, you may wish to change the link to point directly to the intended article.
- [Vengeful Gladiator's Dreadgear] intended for Affliction/Demonology Warlocks.
- [Vengeful Gladiator's Felshroud] intended for Destruction Warlocks.