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If blog years were like dog years, I'd be an old lady blogger woofin' away like a crotchety ancient pup. I've been blogging since 2008 – which seems like a century ago! But back in the early days, I met some pretty sweet (hehe) people online – including the one and only, frostingly gorgeous, ruler of spectacularly colorful cakes, Rosie of Sweetapolita!
Rosie has just published her first book – a brightly hued, dazzling book bursting with colour and Rosie's signature beautified vintage style. From watercolour cakes to gold flecks to edible chalk recipes and how to make your own sprinkles (Rosie is sprinkles-obsessed!), PLUS all of Rosie's perfected cake and frosting recipes, this book will win you over with a rainbow unicorn sugar kiss. Plus, there are tons of cute projects you can make with your kids, or a gaggle of close girlfriends! Click here for a visual preview of The Sweetapolita Bakebook … and you MUST check out Rosie's "blog hop" featuring a MEGA sweet giveaway of Rosie's favourite baking goodies and sugary cute products.
Growing up in Canada, it was always a pretty BIG DEALIO for our family to go down to the States for little shopping trips or holidays. Driving down from our hometown of Vancouver to Seattle, Washington meant staying at the Doubletree Inn with its floral bedcovers and little soaps, which meant piles of BACON and pancakes for buffet breakfast, murky green indoor pool of FUN, and being right next door to Toys R Us. Extreme heaven for children. Plus – gas station stops meant eyeing out the hordes of colourful, chemical, waxy delicious candies, chocolates and extra salty chips we could never get in Canada. Cool Ranch Doritos was a BIG DEAL, guys! And … finding, and glomping on forever, to MOTHER'S CIRCUS ANIMAL COOKIES. Waxy! Sweet! Pink! Circus-y! We'd pop them into our mouths and crunch away til our teeth felt gritty from sprinkles and the tops of our mouths were coated in, well, coating.
When I saw this circus animal cookie recipe in Rosie's new book, I knew I had to try 'em. These babies are crispy and oaty, not too sweet (except i drenched them in glaze because I am a glaze-maniac – glaziac?) and generously splattered in non-pareil style rainbow sprinkles. Perfect for a circus party, sez me – or to sit around and crunch away on.
Frosted Circus Animal Cookies
2 dozen medium sized animal cookies
For The Cookies
- 2¼ cups all purpose flour
- 1 cup oat flour (I blended regular oats into flour using my food processor)
- ½ teaspoon salt
- ½ teaspoon baking powder
- ½ teaspoon baking soda
- 1 cup unsalted butter, room temperature
- 1 cup superfine sugar
- 1 teaspoon lemon extract
- 1 large egg
For The Glaze
- 2½ cups icing sugar, sifted
- 5-6 tablespoons of milk
- pink food colouring
- non pareil style rainbow sprinkles
Make The Cookies
- In a large bowl, whisk together the dry ingredients.
- In the bowl of a stand mixer fitted with the paddle attachment, beat the butter and sugar on medium speed for 2 minutes.
- Add the egg and the lemon extract, beating until incorporated, about 1 minute.
- Reduce the mixer speed to the lowest setting and gradually add the flour mixture until just incorporated. Do not overmix.
- Wrap the dough in plastic wrap, pressing it into a large disc. (I divided the mix into two and had two discs).
- Refrigerate for 1 hour.
- Unwrap the chilled dough and put it on a large piece of parchment paper with a little flour for dusting if dough gets a bit sticky.
- Cut out animal shapes – I used elephant cookie cutters!
- Preheat oven to 350 degrees.
- Place cookies on prepared baking sheets about 1 1/2 inches apart. Freeze for 15 minutes.
- Bake until cookies are a light golden colour, about 18 minutes.
- Cool on baking sheets and let cool for 10 minutes.
- Carefully move cookies onto wire racks to cool completely before glazing.
Make The Glaze
- Place the icing sugar in a medium bowl.
- Slowly add the milk, one tablespoon at a time until you achieve desired consistency. I like my glaze a little thicker; if the glaze becomes too thin, add a little more icing sugar, a tablespoon at a time.
- Add a dab of pink gel colour if desired.
- Sprinkle away while the glaze is still wet!
- Let dry; cookies will keep in an airtight container at room temperature for up to 1 week.
Want to win your own copy of The Sweetapolita Bakebook? Leave a comment below with your FAVE GROCERY STORE JUNK FOOD! Winner picked at glorious random! CONTEST NOW CLOSED. Thanks to everyone who entered! You can also order Rosie's beautiful book through a link on her website here! Congratulations, my sweet friend Rosie!! You rocked your cake book so hard, you are so inspiring – and you should be so very proud. xo Lyndsay
Cookie Problems: Peanut Butter Milk Chocolate Cookies
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Raspberry Glazed Donuts + Candied Rose Petals Recipe


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I'm not trying to sell anything here... I'm looking for beta testers for a new concept in secure communications. PCWorld and PCMag picked up on it and is listing it now, so that's a good compliment. Here's the PCWorld link:
I just released version 2.2 and could use your input, because downloaders never give feedback, lol
In return, I will give you a License Key for free and my undying gratitude. You can download the 14-day trial from PCWorld and kick the tires. The most helpful testers will get the License Keys.
My Site: http://opsec.zymichost.com
My Email: firstname.lastname@example.com
Thanks in Advance!
I know you're the best qualified to test this.
Michael Vaughn

subset: commoncrawl


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Good haircut, bad attitude? Junior heartthrob Justin Bieber was "kind of a brat" on the set of "CSI: Crime Scene Investigation" this winter, the show's star Marg Helgenberger said on French radio Friday.
"I shouldn't be saying this, but he was kind of a brat," Helgenberger blurted out on Europe 1 Radio, aired in Paris before a live audience. "He was very nice to me. But he locked one of the producers in a closet and he put his fist through a cake that was on the cast's table," she continued, laughing and covering her mouth with her hand.
When asked whether the "Never Say Never" singer was a good actor or if she thought The Biebs had been asked to appear on the show to raise its sagging ratings, Helgenberger said, "He's actually better than you think!"
Bieber played a homicidal teen in two episodes of "CSI" this winter, Radar Online reported. In the second, his character was gunned down after firing at police. Maybe they killed his character off early for bad behavior?
Selected Reading: Radar Online, New York Daily News


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James Bond Themearr. Jay Althouse - Alfred Music Publishing
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Using "Ba da da da" and "Dum da ba dum dum" syllables over a solid accompaniment, Jay has created an incredibly exciting choral tapestry of the famous "James Bond" movie theme, which was first heard in the soundtrack of the movie "Dr. No." �For concert choirs and vocal jazz groups, this is not to be missed! Highly recommended!
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amfAR, The Foundation for AIDS Research
October 2004—Randall L. Tobias was sworn in as President George W. Bush's Global AIDS Coordinator on 6 October, 2003, and given the rank of ambassador. Reporting directly to Secretary of State Colin Powell, Ambassador Tobias is responsible for overseeing all U.S. international HIV/AIDS assistance and coordinating the efforts of the various agencies and departments of the U.S. government that deliver it. The appointment caps a successful business career, most recently at Eli Lilly and Company, where Ambassador Tobias was chairman, president, and CEO from 1993 until his retirement in January 1999.
TREAT Asia Report: How do you feel about the progress that you have made so far as the president's Global AIDS Coordinator?
Ambassador Tobias: Well, in both absolute and relative terms, I feel very good about it. When I arrived in Washington about 14 months ago, there was nobody in the organization. There were concepts in a binder, there were lots of people with experience and capabilities scattered around the United States government who had been addressing AIDS for a long time, but there was really no coordinated effort. The people involved have really made quite extraordinary progress, including getting US$865 million committed to programs in the 15 focus countries. In total, we will have about $2.4 billion in fiscal year 2004 money disbursed by the end of this year.
By the same token, I think it's very important for people to recognize that there are 8,000 people dying of AIDS every single day. Generally speaking, I don't think that the American public has a concept of the magnitude of this problem and the devastation that it is bringing to many, many countries around the world. So we really have a job to do in telling this story.
TA Report: Could you give us a brief overview of PEPFAR—the President's Emergency Plan for AIDS Relief?
Tobias: The idea of the plan was to commit $15 billion over five years to prevention, treatment, and care, with about $10 billion going to 15 countries that in total represent roughly 50 percent of HIV infections in the world. A billion dollars of the $15 billion is being distributed through the Global Fund to Fight AIDS, Tuberculosis and Malaria, and about $4 billion is going to programs in another 85 countries or so around the world where we have bilateral programs. The idea is that by focusing our resources and concentrating our efforts, we are much more likely to make an impact.
The first money became available in February 2004, and at this point we're well on our way to getting treatment and prevention programs scaled up, and care programs, such as childhood and orphan care, are beginning to move ahead.
TA Report: We were pleased to see Viet Nam added to the list of focus countries. Could you tell us what spurred this addition to the list?
Tobias: At the time they appropriated the money this year, the U.S. Congress directed me to add a fifteenth country to the program. I don't anticipate that there will be other focus countries added going forward. We selected Viet Nam because of some unusual characteristics. At the end of 2003, there were an estimated 220,000 people infected with HIV in the country, but conventional wisdom says that, without intervention, there could be as many as a million people infected by 2010.
Until relatively recently, the epidemic in Viet Nam has been largely confined to commercial sex workers and even more particularly to intravenous drug users, but it's now beginning to spread more broadly into the population. So we really have an opportunity, working with others, to try to prevent this spread. At the same time, the government has made a commitment to address the issue of HIV/AIDS. I'm happy to have a focus country in Asia because I think that in the longer term, what happens in Asia is going to be one of the determining factors in the outcome of the worldwide war on AIDS.
TA Report: How would you characterize the response to AIDS of other Asian governments?
Tobias: Thailand and Cambodia have both made a great deal of progress in containing their epidemics. Countries like India and China represent both huge opportunities and huge concerns, given the magnitude of their populations. India, for example, has an overall infection rate in the region of 0.8 percent, which is relatively low, yet the population of infected persons in India is second only to South Africa. There's a great deal that India can do to help itself. There's also evidence that the government in China is taking the issue much more seriously. Probably the single most important factor for any country addressing this issue is national leadership—leaders at all levels stepping up and talking about the issue and putting a strategy in place to address the things that need to be done.
TA Report: You might have seen the special report that TREAT Asia issued at the Bangkok meeting, which highlighted the lack of healthcare workers trained to deliver AIDS drugs safely and effectively. Is PEPFAR making any specific efforts to address healthcare training?
Tobias: Not only is it going to take investment in training and, in some cases, physical infrastructure, it's going to take creativity in finding ways to use healthcare workers who can extend the reach of physicians. We have a program in at least one country—and we'll be expanding this—where healthcare workers are monitoring patients who've been put on treatment by physicians in a clinic. The healthcare workers go out once a week and visit these patients in their homes, giving them their medication for the next week, monitoring them, answering their questions, and those kinds of things.
I think the number of companies that you identified in your report that are now making antiretroviral drugs points up another very important issue. The risk of the drugs not being safe and effective and of consistent quality is especially onerous because drug resistance can emerge. So it's very important that, as more and more new companies begin to manufacture these drugs, we have processes in place to ensure that the medications we're giving patients are actually medications that are going to do good. We're trying to do that with our program, and to do it with a sense of urgency.
TA Report: There's been a little confusion about U.S. government policy towards purchasing generic drugs for HIV/AIDS. Could you clarify the U.S. position on this issue?
Tobias: There are people who, for whatever reasons, have spread a lot of misinformation about our policy or made assumptions about it. Our policy from the very beginning has been that we will approve the use of funding from our program for the acquisition of antiretroviral drugs without regard to whether they are generic or brand-name drugs, or whether they are copies of brand-name drugs that are still under patent protection in certain countries. We want to be satisfied that those drugs are safe and effective and of high quality.
So we put in place a process whereby the U.S. Food and Drug Administration does a very accelerated review of applications from drug companies from anywhere in the world to ensure that the drugs that are being proposed for funding through our program are, in fact, safe and effective. An important element of that is to ensure the bioequivalency of those drugs. In other words, are they going to act in exactly the same way as the brand-name drugs that originally gained approval through clinical trials?
I think the steps that the World Health Organization has taken recently to identify some drugs that were on their pre-qualification list but didn't meet the standards points up the extreme importance of having a rigorous program in place.
TA Report: So patents are not part of PEPFAR's criteria for purchasing AIDS drugs?
Tobias: There have been agreements reached on the part of the United States Trade Representative Office and representatives of other governments concerned about patents and intellectual property issues. The bottom line is that, under certain well established procedures, developing countries that have an AIDS emergency and don't have a drug industry can issue mandatory licenses and cause those drugs to be manufactured in the country or to be imported.
TA Report: There's been a lot of attention paid to individual countries' contributions to the Global Fund. How do you evaluate the progress of the Fund?
Tobias: I think that the Fund and the people leading it have done an extraordinary job of bringing the world's attention to HIV/AIDS. They've gotten something in the region of $6 billion in commitments so far, they have collected about $3 billion, and they've distributed about $450 million so far. It's all in the early stages. As you know, the U.S. Congress appropriated a potential amount of $547 million this year for the U.S. contribution to the Global Fund, with the stipulation that the U.S. contribution not exceed 33 percent of total contributions from the rest of the world. I don't think anybody has questioned that that was a very generous amount. Frankly, I'm disappointed that, to date, other donors in the world have not stepped up to the degree that's going to be necessary for us to donate the full amount to the Global Fund. With the flexibility granted to me under the legislation, I created a 60-day extension, and we're working closely with the Global Fund and hoping that the world will step up so that we can make that full contribution. I think the Global Fund and support for the Fund is one of the critical elements for the world's success in addressing this issue.
TA Report: The AIDS field has always been heavily politicized. Have you been surprised in any way by the politics that surrounds this issue?
Tobias: I've been a little surprised at the willingness of some people to put the degree of energy that they do into debates and discussions and activities that don't directly relate to all of us coming together and addressing treatment, prevention, and care needs. I think it's very important for everybody who cares about this issue to recognize that the real enemies out there are denial and stigma, lack of adequate resources and medical infrastructure, and all those kind of things.
Other than that, I would say I've been reassured by the extraordinary number of people who are working on this issue who care very much about it, and I am optimistic that that we're going to make progress. One of my roles is to help the American people understand how proud they need to be of what the United States is doing to contribute to this effort, because we need the ongoing support of the American people in order to provide the kind of resources that President Bush has committed.
TA Report: Looking back, is there anything that you or your program or the United States government could have done differently, or could have done better, in responding to the global AIDS crisis?
Tobias: Sure. I think that, if I had it to do over again, I would put more energy early on into trying to communicate more clearly what we are doing. I found it necessary to spend a lot of time getting people to understand what our strategy really is, and what our policy really is about the acquisition of drugs, for example. My hope is that we'll try enough things, we'll take some risks, and we'll correct the things that don't work and put our energy into those that do work. If the only thing you're doing is trying to be sure you don't make any mistakes, you won't accomplish much.
TA Report: Any regrets about taking the job?
Tobias: None at all. No, I don't see my grandchildren quite as often, but I think they're very understanding and supportive, as my wife and children are, of what I'm doing here.
TA Report: Ambassador Tobias, thank you very much for your time and good luck to you.
© 2020 amfAR All Rights Reserved || amfAR's mission is to end the global AIDS epidemic through innovative research


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When it comes to any weightlifting, there's no substitute for building a strong foundation, especially in Olympic and Power Lifting. A good foundation is the difference between making the lift and not, with the new More Mile More Lift 4 Weightlifting Shoe, you're guaranteed a solid base to succeed in every lift you make. Features:
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GLOUCESTER, MASSACHUSETTS – The first day of the Gran Prix of Gloucester in Gloucester, MA drew top-tier racers from all over the world, lured by today's UCI Category 1 race on the opening day of the Shimano New England Professional Cyclocross Series. World-class competitors are drawn to New England for the Holy Week of Cyclocross, featuring two of North America's best races, both including UCI Category 1 races: the Gran Prix of Gloucester and the Providence Cyclocross Festival, only about 70 miles and one week apart.
Racers at the first day of the 2012 Gran Prix of Gloucester faced the course's trademark off-camber hillside spirals, but with the added challenge of slick mud and deep ruts formed by the wheels of racers in the sold-out races earlier in the day. A long, steep run-up from the beach to the top level of the course sent the riders into thick, tire-gripping mud and challenging turns best suited to the technically proficient racers.
The women's race got underway under cloudy skies along the ocean's edge as Great Britain National Cyclocross Champion Helen Wyman, on a stateside winning streak, lined up front and center, with fellow British racer Gabby Day right alongside her. Wyman, in her trademark style, opened a gap early on, with a group of Day, Meredith Miller (Cal Giant/Specialized), hometown sweetheart Crystal Anthony (Cyclocrossworld.com), and Andrea Smith (LadiesFirst) working together to chase Wyman down. Wyman's gap was strong, however, and she maintained a solid lead until Day launched a flaming attack mid-race. Miller and Anthony, meanwhile, broke away from the field in a race for the final podium spot. Day's amazing move got her within sight of Wyman, but was not enough to take the win away, and Miller eventually dropped her hammer on Anthony, a newcomer to the front of the Elite race, and took the third podium spot. This surely won't be the last we hear from Anthony, however, who appears to be only improving this season.
Next up, the Elite men took to the start grid and launched their first race of the Shimano New England Professional Cyclocross Series. The fight at the front of the race pitted the giants of North American cyclocross, including two New Englanders, Tim Johnson (Cyclocrossworld/Cannondale) and Jeremy Powers (Rapha-Focus) along with Oregonian Ryan Trebon (Cyclocrossworld/Cannondale) against top European talent, including Frenchman Nicolas Bazin, British National Cyclocross Champion Ian Field, and Belgian Ben Berden. Although Powers started the race a ways back due to a missed pedal at the start, he eventually worked his way up to make a group of six leaders. It was apparent that crowd favorite Johnson was on top of his form and wanted the win as he led the group around the off-cambers and over the barriers. With the help of teammate Trebon and US Cyclocross Champion Powers, Johnson broke from the Europeans, creating a gap that would endure for the remainder of the race. Trebon first moved into the lead, and Powers followed, gapping Johnson. Berden looked strong, threatening to edge his way up to challenge Johnson for the last podium spot, but Johnson's excellent form and smooth riding held Berden off. Powers rode away from Trebon to win it, with Johnson not far behind for third.
GP Gloucester not only kicks off the Shimano New England Professional Cyclocross Series, it also launches New England's Holy Week of Cyclocross, the biggest week of cyclocross racing in the US. Next weekend, October 6 & 7, the Shimano New England Professional Cyclocross Series heads to the 2005 and 2006 U.S. National Cyclocross Championships venue for the Providence Cyclocross Festival. With the first day of the Providence Cyclocross Festival also ranked as a UCI Category 1 race, Gloucester and Providence offer two Category 1 races within 75 miles of each other in one week.
For more series information and to follow the action as it unfolds, follow @NEproCX on Twitter for live race tweets and visit www.NEPCX.com. The title sponsor of GP Gloucester is Great Brewers, an online community of beer enthusiasts, providing the famous Gloucester beer garden, a favorite spot for fans to watch their favorite racers take on the barriers on both Saturday and Sunday. Additional support is provided by Verge, offering quality clothing to the cycling community since 1996; manufacturer of wheels and cycling accessories Mavic; Hammer Nutrition, Gloucester-area cycling organization Essex County Velo, Pedro's, and Craft. For more information about GP Gloucester, visitwww.gpgloucester.com and follow @gpgloucester on Twitter.
GP Gloucester Elite Women
1 Helen Wyman Kona Factory Racing 0:43:09 2 Gabriella Day Rapha - Focus 0:43:15 3 Meredith Miller Cal Giant/Specialized 0:43:33 4 Crystal Anthony Cyclocrossworld 0:43:41 5 Mary Mcconneloug Team KENDA-Seven-NoTubes 0:43:42 6 Julie Krasniak Rapha - Focus 0:43:44 7 Andrea Smith LadiesFirst Racing 0:43:44 8 Kaitlin Antonneau Cannondale p/b Cyclocrossworld.com 0:44:21 9 Elle Anderson LadiesFirst Racing 0:44:21 10 Arley Kemmerer C3-Athletes Serving Athletes 0:44:44 11 Maureen Bruno roy Bob's Red Mill pb Seven Cycles 0:44:53 12 Wendy Simms FRONTRUNNERS 0:44:53 13 Nikki Thiemann Team CF 0:45:35 14 Laura Van gilder Mellow Mushroom 0:46:07 15 Amanda Carey Volkswagon Boise Cycling 0:46:16 16 Catherine Sterling Bikeman.com 0:46:22 17 Natasha Elliott The Cyclery 0:46:27 18 Ellen Noble Trek Cyclocross Collective 0:46:52 19 Sally Annis pedalpowertraining.com 0:46:53 20 Julie Lafreniere Stevens Racing p/b The Cyclery 0:46:58 21 Evelyn Blouin 0:47:15 22 Rebecca Blatt Van Dessel 0:47:18 23 Brittlee Bowman pedalpowertraining.com 0:47:19 24 Jamie Gilgen Kallisto / Wheels of Oakville 0:47:19 25 Bethann Orton Team S&M 0:47:20 26 Stacey Barbossa Colavita/espnW NJ 0:47:27 27 Anna Barensfeld pedalpowertraining.com 0:47:43 28 Christina Tamilio LadiesFirst Racing 0:47:47 29 Christina Birch JAM / NCC / Vittoria 0:47:48 30 Cassandra Maximenko Silverbull targettraining 0:47:53 31 Allyson Tufano Sportif Coaching Group/BPB 0:47:54 32 Karin Holmes Riverside Racing 0:48:16 33 Sheila Vibert Sunapee Racing Team 0:48:35 34 Kathleen Lysakowski Cycle Lodge 0:48:36 35 Marian Jamison LadiesFirst Racing 0:48:40 36 Erica Yozell South Mountain Cycles 0:48:44 37 Lori Cooke Cycle Lodge 0:48:52 38 Jennifer Tillman C3-Athletes Serving Athletes 0:49:08 39 Vickie Monahan Expo Wheelmen 0:49:42 40 Emily Flynn Tommy & Lefebvre Cycling 0:49:55 41 Giulia Righi Central Wheel 0:50:16 42 Rebecca Wellons Seaside Cycle 0:50:54 43 Deirdre Smith Unattached 0:51:01 44 Elizabeth Lukowski NYCROSS.com p/b VOmax 2L 45 Becca Schepps Team Type 1 2L 46 Jocelyn Mauldin NEBC p/b Cycle Loft 2L 47 Christine Fort pedalpowertraining.com 2L 48 Patricia Dowd CYCLOCROSSWORLD.COM 3L DNF Caroline Mani Raleigh / Clement DNF DNF Cait Dooley Geekhouse Bikes DNF DNF Nicole Duke Raleigh / Clement DNF DNF Nancy Labbe-giguere LadiesFirst Racing DNF
GP Gloucester Elite Men
1 Jeremy Powers RAPHA-FOCUS 1:00:13 2 Ryan Trebon Cannondale p/b Cyclocrossworld.com 1:00:29 3 Tim Johnson Cannondale p/b Cyclocrossworld.com 1:00:35 4 Ben Berden Raleigh / Clement 1:00:52 5 Ian Field Hargroves Cycles - Specialized 1:00:59 6 Jamey Driscoll Cannondale p/b Cyclocrossworld.com 1:01:23 7 Zach Mcdonald Rapha - Focus 1:01:50 8 Nicolas Bazin Team AUBER 93 1:02:07 9 Brian Matter Gear Grinder / Clif Bar 1:02:12 10 Jesse Anthony Optum p/b Kelly Benefit Strategies 1:02:13 11 Dylan Mcnicholas cyclocrossworld.com 1:02:20 12 Tristan Schouten Optum p/b Kelly Benefit Strategies 1:02:41 13 Christopher Jones Rapha - Focus 1:03:06 14 Yannick Eckmann Cal Giant/Specialized 1:03:12 15 Dan Timmerman RGM WATCHES - RICHARD SACHS 1:03:15 16 Evan Mcneely Specialized Canada 1:03:26 17 Anthony Clark JAM Fund / NCC / Vittoria 1:03:28 18 Bradley White Moms in Tow Cyclocross 1:03:50 19 Travis Livermon Mock Orange Bikes 1:03:56 20 Justin Lindine Redline 1:03:59 21 Jeremy Durrin JAM Fund / NCC 1:04:07 22 Barry Wicks Kona 1:04:11 23 Craig Richey SponsorConnected.com 1:04:13 24 Christian Favata RGM WATCHES - RICHARD SACHS 1:04:16 25 Manny Goguen C.F. Racing p/b Trek Portsmouth 1:04:34 26 Daniel Chabanov RGM WATCHES - RICHARD SACHS 1:05:08 27 Nicholas Keough www.keoughcyclocross.com 1:05:21 28 Adam Myerson Team SmartStop/Mountain Khakis 1:05:47 29 Erik Tonkin Kona/Team S&M 1:05:51 30 Jeff Bahnson Van Dessel Factory Team 1:06:21 31 Thomas Sampson JAM Fund / NCC / Vittoria 1:06:26 32 Andrew L'esperance Norco Factory Team 1:06:26 33 Joel Desgreniers Ride With Rendall 1:06:26 34 Michael Garrigan stagerace 1:06:28 35 Sheldon Miller Bikeman.com 1:06:30 36 Adam St. germain NBX / Narragansett Beer / Circle A 1:06:37 37 Marc-andre Daigle Garneau-Qu+?becor 1:06:38 38 Michael Broderick Team KENDA-Seven-NoTubes 1:06:58 39 Chase Dickens AMERICAN CLASSIC PRO CYCLOCROSS TEA 1:10:31 40 Jesse Keough www.keoughcyclocross.com 1L 41 Troy Wells Team CLIF BAR 1L 42 Garrett Mcleod Team H&R BLOCK 1L 43 Josh Thornton St. Pete Bike and Fitness 1L 44 Jonathan Schottler Cannondale 1L 45 Synjen Marrocco CyclocrossWorld.com 1L 46 Joachim Parbo Challenge Tires 1L 47 Luke Demoe Evviva/Stoemper 1L 48 Mark Mccormack Clif Bar/Pactimo 1L 49 Patrick Chartrand Les Yables / Rocky Mountain 1L 50 Jean-philippe Thibault-roberge Trek-Bontrager 1L 51 Benjamin Padilla Unattached 2L 52 Felix Wilberg 2L 53 Sylvain Jean 2L 54 Jonathan Hamblen Mock Orange Cyclocross 2L 55 Geoffrey Bouchard nbx bikes/narragansett beer PB : AP 2L 56 John Herrick University of Vermont 2L 57 Evan Huff BikeReg.com / Joe's Garage 2L 58 John Burns Burns Racing 2L 59 Charles Schubert Bikes Not Bombs / Circle A Cycles 2L 60 Maksym Shepitko Hudson Furniture Racing Team 2L 61 Jeffrey Elie Riverside Racing 2L 62 Matteo Dal-cin Ride With Rendall 2L 63 Johannes Huseby Cannondale 2L 64 Thierry Laliberte Xprezo - Borsao 2L 65 Alex Cox CCB Racing 3L 66 Pierre-olivier Boily Siboire 3L 67 Colin Reuter pedalpowertraining.com 3L 68 Adam Sullivan Embrocation Cycling Journal 3L 69 Ian Schon B2C2 3L 70 Donny Green Cycle-Smart Inc. 3L 71 Timothy Durrin NYCROSS 3L 72 Cary Fridrich Mad Alchemy / Verge Rider Cooperati 3L 73 Evan Murphy NYC Velo 3L 74 Noah Tautfest Bicycle ExpressKona Bikes 3L 75 Eric Lundgren JBV Coaching 3L 76 Matthew Green Radical Enterprises 3L 77 Kiernan Orange Ride with Rendall 4L 78 Donald Snoop jr Essex County Velo 4L 79 Andrew Lysaght MIT Cycling p/b FXDD 4L 80 Michael Garrett MIT-FXDD 4L 81 Mike Wissell B2C2 p/b Boloco 4L 82 Gordon Daniell CRCA/W+D Racing 5L 83 Alex Grabau Spin Arts Cycling 5L DNF Joshua Lehmann Sunapee Racing Team DNF DNF Graham Garber Central Wheel DNF DNF Conor O'brien Stevens Racing P/B the Cyclery DNF DNF Derrick St john Stevens p/b The Cyclery DNF DNF Robert Marion American Classic Pro Team DNF DNF Flavien Dassonville Team AUBER 93 DNF
Got a great photo from Gloucester? Send it along to [email protected] for our Issue 19 "Postcards from Holy Week" Feature!


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The net present value of investing in tertiary in Canada is positive. The total return (net present value), both private and public, for a Canadian man who completes tertiary education is $220,365 ($153,520 in benefits to the individual and $66,845 to society). And for a Canadian women, the total return is $158,036 ($111,487 to the individual and $46,539 to society). These significant positive returns—both for individuals and the country—demonstrate the value that Canadians and the Canadian economy place on educational achievement.
The total return on investment in tertiary education is calculated by first adding the net private returns and the net public returns, and then calculating the net present value of this total.
Net private returns = private benefits (e.g., higher earnings, lower risk of unemployment) – private costs (e.g., tuition and books, forgone earnings)
Net public returns = public benefits (e.g., higher tax revenues, reduced social transfers) – public costs (e.g., forgone taxes on earnings, increased spending on education)
The net present value of the total returns is calculated by discounting back in time using a real discount rate of 3 per cent. This ensures that all calculations reflect constant prices.
The dollar values used for this report card are based on the difference between people who have a tertiary education and those who have a high school education (upper secondary) or a certificate or diploma from a vocational school or apprenticeship training (post-secondary non-tertiary education).
When comparing Canada's overall return on investing in tertiary investments with its peer countries, Canada's performance is middle-of-the-pack at best. Many other countries (and the individuals in those countries) get much better returns on their tertiary investments.
Canada ranks 10th out of 15 countries and gets a "C" on the total private and public return for men with a tertiary education. Canada places ahead of the "D" performers: Japan (10th: $210,428), Australia (11th: $208,523), Norway (12th: $137,394), Sweden (13th: $104,137), and Denmark (14th: $94,790). But Canada places well back of the U.S. (1st: $562,331)—a solid "A"—as well as Ireland (2nd: $396,422) and Austria (3rd: $357,151)—both "B" performers.
Canada ranks 9th out of 15 countries and gets a "B" on the net private and public return for women with a tertiary education. Canada ranks ahead of 6 peer countries, including France (11th: $141,341), Japan (12th: $126,226), and Finland (13th: $108,344). But Canada is behind the front-runners, including the U.S. (1st: $252,577), Ireland (2nd: $245,785), Belgium (3rd: $232,151), and the U.K. (4th: $223,409)—all "A" performers.
In most countries, men generally benefit more than women from investments in education. This is certainly the case among the 16 peer countries graded for this report card, including Canada. Canadian men receive, on average, a $62,339 premium over their female counterparts for tertiary achievements.
The size of the differences between men's and women's earnings varies considerably among peer countries. In the U.S., for example, men realize a $565,331 return on their tertiary investments (1st among 16 comparator countries), while U.S. women realize a $252,577 return (1st among 16 countries). The earnings gap between U.S. men and women is $309,754, significantly more than the tertiary earnings gap between men and women in peer countries such as Canada ($62,339), Ireland ($150,637), Austria ($152,004), and Germany ($142,572).
This gender imbalance occurs in all peer countries—with men benefiting more than women from tertiary education—and is linked to many different variables (some individual, others societal), including the choices individuals make around major fields of study (for example, arts, humanities, business, math, or engineering) and what programs are offered at colleges and universities; occupational choices; wage differences across major fields of study and occupations; labour force status; gender, diversity, and equity issues; and even a country's broader social and economic policies.
In all 16 peer countries, individuals with either a college or university education earn more than those with lower educational achievement.
Using a base of 100 to represent the earnings of individuals with either upper secondary (high school) or post-secondary non-tertiary achievement (a certificate or diploma from vocational school or apprenticeship training), the chart shows that as education increases so too do earnings. Among peer countries, the differences in earnings between individuals without a high school diploma and those with a tertiary diploma or degree are most pronounced in the U.S., Ireland, and the United Kingdom.
Canadians with less than high school earn 80 per cent of what individuals with high school or some post-secondary non-tertiary education earn. In Finland, individuals with the same level of education (e.g., below high school) earn 93 per cent of what individuals with upper secondary and post-secondary non-tertiary education—the highest level of earnings for this level of education. And individuals in the U.S. without a high school diploma earn just 66 per cent of what individuals with one might earn.
Canadians who complete college can expect to earn quite a bit more—44 per cent more—than Canadians without a high school diploma; and Canadian university graduates can expect to earn even more—85 per cent more—than individuals without a high school diploma. The story is most pronounced in Ireland, where a person with a university degree can expect to earn more than double (115 per cent more) what an individual with without a high school diploma can earn.
The OECD notes that on average and across all OECD countries:
Of course, investing in upper secondary, post-secondary non-tertiary, and tertiary education is only one part of the story. Education systems, governments, educators and administrators, and others need to ensure that the quality of education provided and the types of learning programs offered are relevant, meaningful, and valued in order for individuals to contribute to the economic and social well-being of their communities and countries. This requires, among other things:
The earnings premiums for university degrees increased in seven of the 12 peer countries for which data are available: Germany ($143 to $168), Ireland ($153 to $175), the U.K. ($160 to $165), Denmark ($124 to $129), Belgium ($128 to $131), Australia ($133 to $135), and the U.S. ($176 to $177). Germany and Ireland had the largest increases—up $25 and $22, respectively.
In Canada, earnings premiums for university degrees have fallen from $142 to $138 for every $100 earned by a person who has a high school diploma. Other countries that saw a drop in earnings premiums are Sweden ($131 to $125), Finland ($153 to $149), Switzerland ($156 to $153), and Norway ($129 to $128). Sweden had the largest decrease, dropping $6.
The return on investment in tertiary education is the best in the U.S., Ireland, and Austria. Individuals who have completed tertiary education in these countries tend to enjoy better labour market prospects, higher gross earnings over the course of their working lives, and reduced risks of unemployment (whether in absolute terms or duration). Tertiary education is often seen as the springboard to numerous social and economic benefits.
Economies that invest in the education and skills development of their populations—through post-secondary education systems and other avenues—also stand to benefit in terms of higher tax revenues and fewer social transfer costs.
1 Organisation for Economic Co-operation and Development, Education at a Glance 2012 (Paris: OECD, 2012), 163–165.
2 Organisation for Economic Co-operation and Development, Education at a Glance 2012 (Paris: OECD, 2012), 164–165.
3 Organisation for Economic Co-operation and Development, Education at a Glance 2012 (Paris: OECD, 2012), 174–181.
4 Organisation for Economic Co-operation and Development, Education at a Glance 2012 (Paris: OECD, 2012), 164–165.
5 Organisation for Economic Co-operation and Development, Education at a Glance 2012 (Paris: OECD, 2012), 174–181.
The net present value of the total private and public returns for an individual who gets a college or university education (tertiary education) as part of initial education.
Please note:
The data on this page are current as of March 2013.


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Arnar - Artist Profile
Arnar started playing guitar when he was 10 years old, recording his own songs on an old stereo. He formed his first band when he was 12 years old, a death-metal band called Inflammatory. Shortly after he fell in love with the Beatles and his death-metal carrier ended abruptly.
He studied classical singing for 4 years. In 2001 he formed a band called Leaves, who in the year 2002 released their debut album Breathe, receiving great reviews in magazines like NME, Q-magazine, Uncut and Rolling Stone. Title song 'Breathe' was used in an episode of OC (Orange County), and another song, 'Epitaph' was used in the Icelandic film Fálkar. Their second album The Angela test (2005) was released by Island records in the UK, and 'We are Shadows' was released in 2009.
Arnar was voted best male singer at the Icelandic Music Awards 2002.
Arnar is very prolific. He has composed and produced music to TV films and video art, worked with a huge selection of artists on various projects, and recorded and produced records for other artists. And he has made great music for commercials and documentaries with us.
You can visit his own site .:here:.


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Cigarette Sparks Berkeley House Fire
A fire at a Berkeley home on Sunday afternoon that caused about $85,000 in damage was sparked by a discarded cigarette, a fire official said. -more-
A fire at a Berkeley home on Sunday afternoon that caused about $85,000 in damage was sparked by a discarded cigarette, a fire official said. -more-
A Marinwood third-grader returned to class in good health today after she was struck by a arrow while on a field trip to Berkeley's Lawrence Hall of Science Tuesday.
The arrow pierced the leg of 8-year-old Nadine Hairston, a student at San Rafael's Mary E. Silveira Elementary School, around 10:10 a.m. while she was climbing on a sculpture of a whale outside the science center, located at 1 Centennial Drive on the University of California at Berkeley campus.
She was taken to a hospital where the arrow was surgically removed. She was released midday Wednesday, school principal Will Anderson said today. -more-
Julia Morgan (1872-1957), California's first licensed woman architect has more than 700 buildings to her credit, designed and built over a professional career spanning over four decades . A fellow UC Berkeley alumna, this gracious and immensely talented architect has intrigued and inspired me in immeasurable ways. Her legacy is relevant today for her vernacular approach to sustainable architecture and fearless endeavors to advance in a profession that reluctantly opened its doors to women in the early 20th century. -more-
Until recently, you could have lived your entire life in the United States and never have bumped into any Jewish Orthodox Hasidim, who live in scattered communities, mostly in the New York's borough of Brooklyn. -more-
Most graffiti are ephemeral. All graffiti are anarchic and adventitious. They can crop up anywhere -- not only on walls, but on dumpsters, bridges, curbs and sidewalks. Some graffiti only survives a day or two but, once in a while, someone leaves behind a graffito that is built to last. -more-
[I sent this letter in reply to the" East Bay Express" which they will not print.]
You can't make it up. The promoters of "smart growth", who claim to be the environmentalists, are now calling for the undoing of the California Environmental Quality Act through their reliable mouthpiece, Robert Gammon at the East Bay Express. How much more evidence does one need of the corporate takeover or the "neo" environmental movement? Funny how a lot of banker, developer enriching ideas are taking hold since they told us about global warming. -more-
The redistricting of Berkeley's eight voting districts, which is currently underway, is in response to population changes evident from the 2010 Census. Groups and individuals have been solicited by the City to submit proposals ( see http://www.ci.berkeley.ca.us/redistricting/ f or information). District maps are constrained by ordinance to have nearly equal numbers, and current Council members may not be drawn out of their districts. -more-
On February 28, 2013, two young Afghan boys were killed during a NATO airstrike in southern Afghanistan. What made this incident unusual was that the world learned their names.
Two brothers, 11-year-old Toor Jan and 12-year-old Andul Wodood, were walking behind their donkeys and collecting firewood in the Shahid-e Hasas district of Uruzgan Province when they were killed by weapons fired from a NATO helicopter. NATO explained the children were targeted because they were mistaken for insurgents. NATO killed their animals, too — perhaps under the mistaken suspicion they were "insurgent" donkeys.
Marine Gen. Joseph Dunford, the commander of U.S. and allied forces in Afghanistan, offered his "personal apology and condolences to the family of the boys who were killed." Dunford said the coalition took "full responsibility" for the deaths. This appears to have been an empty promise. -more-
March 8th is a celebration for a worldwide Women's History Month. It is an appreciation for women's contribution to society's progress. For instance, American women were struggling to pursue a higher education as society believed that they were incompatible in developing their intellectual skills.
It was not until 1972 in which Title IX of the Education Codes of the Higher Education Act Amendments prohibited gender discrimination in federally funded institution. Seeing it as a door to opportunity, women began to become involved in an advanced education.
For Muslim women, we are fortunate that we didn't have to wait until 1972 for our status, rights and role to be recognized because Islam already set systematic guidelines as mentioned in the Quran and through the practice of Prophet Muhammad (peace be on him). -more-
As a fairly devout and dedicated Catholic for the past several years, attending services at Berkeley's Newman Hall, I'm distressed by the many articles we see denigrating our church, both in this country and abroad.
But I take comfort in St. Francis of Assisi's lovely prayer, portions of which I quote below:
"Divine Master, grant that I may not so much seek to be consoled as to console; to be understood, as to understand, to be loved, as to love, for it is in giving that we received, it is in pardoning that we are pardoned, and it is in dying that we are born to eternal life." -more-
Editor's Note: The latest issue of the Pepper Spray Times is now available.
You can view it absolutely free of charge by clicking here . You can print it out to give to your friends.
Grace Underpressure has been producing it for many years now, even before the Berkeley Daily Planet started distributing it, most of the time without being paid, and now we'd like you to show your appreciation by using the button below to send her money. -more-
On Valentine's Day this year I flew to Tallahassee, a place I'd never expected to visit, to attend the wedding of my first cousin once removed. Mine is the kind of family, with some vaguely southern roots, that keeps track of relationships like this.
The father of the bride, my first cousin Peter, is closer in age to my children than he is to me. My two St. Louis aunts had the large Catholic families which were the norm in the fifties in some circles, six and seven kids like stair-steps, and this cousin was at the tail end of his nuclear family. I had 18 first cousins altogether (one died young), and I know the older ones who are closer to my age better. But Peter visited the Bay Area when his older daughter was a Science Fair contestant here, and we got to know the bride, Laura, his younger daughter, when she and a friend visited Berkeley one summer while they were students.
The wedding became the catalyst for a family reunion of sorts. Her father's four surviving siblings (plus a sizable representation of spouses, offspring and grandkids) showed up in Tallahassee. The older ones I remembered fondly from childhood, before our families moved away from St. Louis, and I enjoyed getting to know the younger ones and their descendants better. I was pleased to discover that they're very nice people, all of them, good politics, sense of humor, smart, the whole nine yards of how you might hope distant relatives would turn out to be.
The ceremony was low-key but elegant, in the family garden, with a buffet for about 100 guests in the house afterwards. In the best contemporary tradition, the officiant was a friend of the family and the service was eclectic, readings drawn from a variety of sources, music by an Irish wedding band.
Oh, and did I mention that this was a two-bride wedding? The second bride was the other young woman who'd visited us in Berkeley a few years ago with our cousin who had now become her partner. -more-
The search for a Berkeley Unified School District superintendent begins, as reported: -more-
On March 1st, the State Department issued a report raising no objection to the construction of the Canadian-US Keystone XL pipeline. There will be a 45-day period for public comments and then President Obama will decide whether or not to approve the 875-mile pipeline. His decision will hinge on three critical considerations. -more-
On January 22, 1973, the Supreme Court in Roe v. Wade legalized abortion. In this case, Jane Roe, a pseudonym for Norma Leah McCorvey (née Nelson), brought a class action suit challenging the constitutionality of a Texas criminal abortion laws, which forbids procuring or attempting an abortion except on medical advice for the purpose of saving the mother's life. The Supreme Court stated that state criminal abortion laws "that except from criminality only a life-saving procedure on the mother's behalf without regard to the stage of her pregnancy and other interests involved violate the Due Process Clause of the Fourteenth Amendment, which protects against state action the right to privacy, including a woman's qualified right to terminate her pregnancy." -more-
Persons with chronic mental illness often become gleeful when successfully employed. Employment seems like a reason for liking oneself and a way to have more self-esteem. Most "normal" people, regardless of their demographic or what country they are from, put a lot of value on having an education and having employment or entrepreneurship. Most Americans, mentally ill or not, receive a blow to self-esteem when unemployed. -more-
A Tallahassee Gala, with Lessons for Holy Week 03-29-2013
News to Use 03-30-2013
Odd Bodkins: Not Afraid of the Dark (Cartoon) By Dan O'Neill 03-30-2013
Reply to article in East Bay Express: "How An Environmental Law Is Harming The Environment" By Vivian Warkentin 03-30-2013
Berkeley's District Elections: The View from West Berkeley By Curtis Manning 03-29-2013
Yes, Mr. President. Dead Children Do Have Names By Gar Smith / Environmentalists Against War 03-29-2013
Islam Honors Women in Society By Khalida Jamilah 03-30-2013
Pope Francis By Dorothy Snodgrass 03-29-2013
April Pepper Spray Times By Grace Underpressure 03-30-2013
Cigarette Sparks Berkeley House Fire By Sasha Lekach (BCN) 04-02-2013
Eight-Year-Old Back in School after Berkeley Arrow Injury By Sasha Lekach (BCN) 03-29-2013
Eye to Eye with Julia Morgan By Sandhya Sood AIA 03-30-2013
The Hasidim Wars: Women, Sex and Youth in Brooklyn By Ruth Rosen 03-29-2013
Graffitirazzi – It's Everywhere By Gar Smith 03-30-2013
THE PUBLIC EYE: Keystone XL Pipeline: 3 Key Questions By Bob Burnett 03-29-2013
ECLECTIC RANT: Roe v. Wade: Still Controversial After 40 Years By Ralph E. Stone 03-29-2013
ON MENTAL ILLNESS: Difficulties of Employment By Jack Bragen 03-29-2013
Around & About Theater & Music: Notes on Two Productions--'Galileo' at Masquers Playhouse & mugwumpin's 'Great Big Also'--& Info on Marion Fay's Theater & Music Classes By Ken Bullock 03-29-2013


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Claude Julien named head coach of Bruins' longtime bitter rival
Julien was fired by Bruins Feb. 7
Julien was fired by Bruins Feb. 7
Former Boston Bruins head coach Claude Julien has been named the head coach of the Montreal Canadiens.
The Canadiens (31-19) announced Tuesday that Michel Therrien had been fired, and immediately replaced him with Julien.
Julien was the head coach of the Canadiens from 2003 to 2006 before he was hired by the Bruins (29-23) in 2007.
The Bruins let go of Julien on Feb. 7, the same day as the New England Patriots' Super Bowl parade.
At 1-5-1, the Canadiens are the NHL's worst team since the start of February, including a 4-0 loss to the Bruins. They next play Saturday against Winnipeg.
Therrien, 53, was in his fifth season of his second tour of duty as Canadiens coach and had three playoff appearances with a trip to the 2014 Eastern Conference final. They missed the playoffs last season after goaltender Carey Price injured his knee in November.
Owner Geoff Molson tweeted Tuesday afternoon: "Michel Therrien, merci beaucoup pour tout, thank you for giving everything you had to our Team."
Julien went 419-246-94 while with the Bruins and led the team to a Stanley Cup championship in 2011.
"Claude Julien is an experienced and well respected coach with a good knowledge of the Montreal market," Canadiens general manager, Marc Bergevin said. "Claude has been very successful as an NHL coach and he won the Stanley Cup. Today we hired the best available coach, and one of the league's best."
The coaching change comes two days after the Bruins shut out the Canadiens 4-0.
The Associated Press contributed to this report.


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Versione: 188.8.131.52


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I'm building a WPF photo viewing application, and trying to get a handle on threading. I've asked about this before in this forum -- and although everyone's reading suggestions have been good, I'm still having a hard time putting everything together.
I have two listBoxes -- gallerySelector stores a the names of folders with which images are stored. PhotosListBox is populated with the photos in the directory specified by gallerySelector.
The program is based on Microsoft's Photo Viewer WPF demo app (http://msdn.microsoft.com/en-us/library/ms771331.aspx)
I want to make the gallerySelector more responsive (so you can arrow up and down through all the folders very quickly -- without having to wait for PhotosListBox to load alll the images), so I thought I'd try threading once again. But I'm failing miserably. Of course, I'm getting the following error message:
Code:"The calling thread cannot access this object because a different thread owns it."
where Photos is an ObservableCollection, described as:Code:private void gallerySelector_SelectionChanged(object sender, SelectionChangedEventArgs e) { ThreadStart gallerySelectionThread = new ThreadStart(new ThreadStart(delegate() { this.Photos.Path = Environment.CurrentDirectory + "\\images\\" + gallerySelector.SelectedItem; PhotosListBox.SelectedIndex = 0; } )); Thread galleryThread = new Thread(gallerySelectionThread); galleryThread.SetApartmentState(ApartmentState.STA); galleryThread.Start(); }
Would it work better to move the threading code into the ObservableClass definition? In addition, it would be great to populate the PhotosListBox item-by-item, so they would be inserted into the PhotosListBox as they are loaded and rendered.Code:public class PhotoCollection : ObservableCollection<Photo> { public PhotoCollection() { } public PhotoCollection(string path) : this(new DirectoryInfo(path)) { } public PhotoCollection(DirectoryInfo directory) { _directory = directory; Update(); } public string Path { set { _directory = new DirectoryInfo(value); Update(); } get { return _directory.FullName; } } public DirectoryInfo Directory { set { _directory = value; Update(); } get { return _directory; } } private void Update() { this.Clear(); try { foreach (FileInfo f in _directory.GetFiles("*.jpg")) Add(new Photo(f.FullName)); } catch (DirectoryNotFoundException) { System.Windows.MessageBox.Show("No Such Directory"); } } DirectoryInfo _directory; }
I'll be ecstatic if I can get this working -- I appreciate any help anyone can give me. Thanks!


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Property Package Fixed Rate Investment Loan (Principal and Interest) 2 Years
- Last updated on 14 Aug 2020
Well Balanced Home Loan Fixed 2 Years
Fixed - 2 years
Well Balanced
Fixed - 2 years
based on $350,000 loan amount for 25 years
- No upfront fees
- Extra repayments + redraw services
- Repayments will not change during fixed period
- Annual fee charged
- Discharge fee at end of loan
- Repayments won't decrease if RBA cuts rates
Maximum LVR
Interest rate structure
Fixed - 2 years
Borrowing range
$150k - $100m
Total Repayments
Principal & interest
Interest only
Loan term range
1 - 30 years
Offset account
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw fee: $25
Allows split interest
Suitable For
Applicable States
Total estimated upfront fees
Application fee
Settlement fee
Valuation fee
Legal fee
Other upfront fee
Ongoing fee
$375 annually
Discharge fee
Property Type
SMSF Trustee
Minimum SMSF Amount
Free transaction account, $0 annual fee on Hume credit cards, 10% discount on first year's premium on Motor Vehicle Insurance and House and/or Contents Insurance,
Compare and review home loans with similar features
Wealth Package Fixed Rate Investment Loan 2 Years
Fixed - 2 years
Cashback$2,000 cashback for refinancers who apply before 31 October 2020 and have their loan funded by 31 December 2020. Minimum refinance amount $250,000. Eligibility criteria applies. This offer is not available for Bridging Loans. Expiry date: 31/10/2020
Since 1955, Hume Bank has been helping the Albury-Wodonga communities reach their financial goals. As a non-traditional lender, Hume Bank is owned by its customers meaning that all profits are distributed back into the bank and passed on to its members by way of low loan rates and no monthly account fees.
Hume Bank has won numerous awards, including Money magazine's Bank of the Year and the CUNA Mutual QBE Financial Institution of the Year Award.
Hume Bank Home Loan Calculator
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This competition is only available to Australian residents who are over 18 and check their home loan interest rate at RateCity. However, you are not required to refinance your home loan or apply for any financial products.
You can still enter if you don't have a home loan yet – enter how much you plan to borrow and the details of the property you're considering, and we'll compare mortgage offers that may suit your needs and estimate how much you could save compared to a loan with an average interest rate.


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Opening Friday is Friends with Benefits, which is Will Gluck's follow up to Easy A. Not to be confused with Natalie Portman and Ashton Kutcher's similarly themed No Strings Attached, FWB is a hip, sharply written and very R-rated romantic comedy about casual sex starring Justin Timberlake and Mila Kunis.
Recently, I sat down with Timberlake and Kunis to discuss the film. During our interview they told me about their thoughts on the viability of casual sex relationships, acting in the nude, some of their favorite songs going up, Kunis's upcoming Seth McFarlane directed Ted and Timberlake's Andrew Niccol directed In Time and more. Hit the jump to watch.
Justin Timberlake and Mila Kunis
- Do the believe that men and women can be friends and involved physically or does it end up destroying things
- How difficult is it to shoot scenes when you're naked and having to deliver a lot of dialogue and also be funny
- 1:37 – What are some of the songs they grew up listening to (Kriss Kross)
- 2:35 – In Time talk and Ted. Mila talks about Ted and how everyone can hear the teddy bear. It's 20 years later and he's now a has been. Timberlake talks about In Time and how it's a performance based movie and intimate.


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Dapelyn Surname Ancestry Results
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d'apcher d'apice da pissa danzie danzier danzig danziger danzis danzoche danzoloe danzue danzy dao daoco daodall daogahi daon daoubt daoud daoudi dapavia dapaydy dapenport daper dapers dapetot daphin daphne daphney daphtary dapi dapier dapifer dapiferi dapilliz dapilly dapin dapinton dapipere dapleton
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text: You need to be open minded to appreciate what is contained in this dvd. So much of what we in the west are taught about how to use a pistol is based on Gunsite/IPSC/IDPA doctrine with no critical self-evaluation of the shortcomings of such styles. Movement is only done to get from one "hose down a..read more >>


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Brazil launched an emergency plan recently to save what remains of its vast tropical savanna, much of which has been cleared for farming in recent decades.
BRASILIA, Brazil Brazil launched an emergency plan recently to save what remains of its vast tropical savanna, much of which has been cleared for farming in recent decades.
Up to 70 percent of the savanna has already disappeared, but Brazil hopes to preserve remaining grasslands, forests, and dense scrublands that are home to ancient communities and many species of wildlife.
"For decades and decades the savanna was a resource to clear at any cost, at any price, and stopping this process is an emergency for all of us," Environment Minister Marina Silva told a theater packed with Indian families, descendants of runaway slaves, and other activists.
Brazil will set up a national plan to create sustainable use and preservation of the savanna or cerrado, home to maned wolves, giant anteaters, and rare jaguars.
The government hopes to get $30 million over eight years from the World Bank's environment fund, according to its cerrado specialist Augusto Santiago.
The program is similar to one the Brazilian government has introduced for the Amazon. It will establish reserves, ecological corridors, and ecotourism projects and hopes to promote sustainable use of savanna fruits, animals, and medicinal plants. As with the Amazon, Brazil aims to prevent disintegration of rural communities and the loss of species that could become valuable medical cures or commodities.
Activists say the savanna is disappearing faster than Brazil's Amazon and Atlantic rain forests because of uncontrolled development of roads, rivers, and railroads.
The savanna is the only continuous agricultural area in the world that can be expanded to meet growing global food demands. Much of it has been cleared in recent decades into a vast grain-growing area.
It produces crops like soy, corn, and cotton that are helping drive Brazil's fastest economic growth since 1996.
Remaining wilderness areas will disappear by 2030 if the clearing continues at the present rate, according to environmental group Conservation International. An area the size of New Jersey has been cleared in each of the past few years.
"Our savanna is turning into a desert, and all this is being done for agribusiness profits," activist Manuel Conceicao Santos told the environment minister.
Agriculture ministry officials said they had no conclusive evidence that Brazil's farm exports were behind the savanna's destruction. They said they would ensure water resources were not lost and land was used sustainably.
"Any productive activity is going to have to take into account sustainability under this government," said Valdemiro Rocha, secretary of rural support at the ministry.
Environmentalists said the savanna now had a chance of survival. "We're optimistic, although we still haven't seen the resources to do this and any specific targets," said Denise Hamu, the Brazil director for the environmental group WWF.
Source: Reuters


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° Hope won the Michigan Intercollegiate Athletic Association (MIAA) Commissioner's Cup for the best cumulative performance in the league's 18 sports for men and women. Hope ranked 37th among 310 NCAA Division III colleges in the NACDA Director's Cup national standings.
° Hope won the Michigan Intercollegiate Athletic Association (MIAA) Commissioner's Cup for the best cumulative performance in the league's 18 sports for men and women. Hope ranked 37th among 310 NCAA Division III colleges in the NACDA Director's Cup national standings.
° Hope captured four MIAA titles - volleyball, women's basketball, men's swimming & diving and women's tennis.
° Hope qualified individuals or teams in 11 NCAA championships - men's and women's cross country, men's and women's basketball, men's and women's swimming & diving, men's and women's track & field, men's and women's tennis, and volleyball.
° Eight athletes were voted the MIAA's most valuable player - Steve Strock, golf; Allison VanBeek, soccer; Jesse Reimink and Carrie Snikkers, basketball; Kelli Duimstra (softball), Nora Kuiper (track & field), John Pelton and Samantha Stille, tennis.
° Sixty-six athletes were voted to All-MIAA teams and 191 were named to the MIAA Academic Honor Roll, including 14 for a fourth consecutive year. A record 12 teams received the MIAA All-Academic Team GPA Award. The women's cross country team received the honor for an 11th consecutive year. Other teams honored included women's basketball, men's cross country, men's and women's golf, men's and women's tennis, women's soccer, softball, women's swimming & diving, women's track & field, and volleyball.
° Senior Nora Kuiper became the first Hope female athlete to win an NCAA Division III track & field national championship with a gold medal performance in the 100-meter dash. She was also honored as the outstanding senior scholar-athlete in the Michigan Intercollegiate Athletic Association, the nation's top Academic All-American in women's track & field, and was awarded an NCAA Postgraduate Scholarship.
° Six athletes achieved Division III All-America status - Jesse Reimink and Carrie Snikkers, basketball; Kelli Duimstra, softball; Nora Kuiper and John Donkersloot, track & field; and John Pelton, tennis.
° Voted Hope's outstanding senior student-athletes were Nora Kuiper (track & field) and Jesse Reimink (basketball).
° Tennis All-American John Pelton was presented the Division III Arthur Ashe, Jr. Leadership and Sportsmanship Award for the Central Region and the MIAA's Stowe Sportsmanship Award.
° Longtime men's athletic director Ray Smith retired, concluding 39 years of service that included 25 seasons (1970-94) as football coach.
° Both Hope basketball teams topped NCAA Division III in home attendance and the volleyball team ranked second nationally. Hope was host to the NCAA Division III women's basketball final four for the second straight year.
° Ground was broken for the new Van Andel Soccer Stadium. It is the fourth major athletic facility built at Hope in recent years joining the DeVos Fieldhouse, Boeve Baseball Stadium and Wolters Softball Stadium.
° Four teams - men's & women's swimming/diving and men's and women's soccer - had the opportunity to travel overseas.


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A pencil is a little wonder-wand: a stick of wood that traces the tiniest motions of your hand as it moves across a surface. I am using one now, making weird little loops and slashes to write these words. As a tool, it is admirably sensitive. The lines it makes can be fat or thin, screams or whispers, blocks of concrete or blades of grass, all depending on changes of pressure so subtle that we would hardly notice them in any other context. (The difference in force between a bold line and nothing at all would hardly tip a domino.) And while a pencil is sophisticated enough to track every gradation of the human hand, it is also simple enough for a toddler to use.
Such radical simplicity is surprisingly complicated to produce. Since 1889, the General Pencil Company has been converting huge quantities of raw materials (wax, paint, cedar planks, graphite) into products you can find, neatly boxed and labeled, in art and office-supply stores across the nation: watercolor pencils, editing pencils, sticks of charcoal, pastel chalks. Even as other factories have chased higher profit margins overseas, General Pencil has stayed put, cranking out thousands upon thousands of writing instruments in the middle of Jersey City.
Story continues after the photo essay.
Over the past few years, the photographer Christopher Payne visited the factory dozens of times, documenting every phase of the manufacturing process. His photographs capture the many different worlds hidden inside the complex's plain brick exterior. The basement, where workers process charcoal, is a universe of absolute gray: gray shirts, gray hands, gray machines swallowing gray ingredients. A surprising amount of the work is done manually; it can take employees multiple days off to get their hands fully clean. Pencil cores emerge from the machines like fresh pasta, smooth and wet, ready to be cut into different lengths and dried before going into their wooden shells.
Other parts of the factory are eruptions of color. Red pencils wait, in orderly grids, to be dipped into bright blue paint. A worker named Maria matches the color of her shirt and nail polish to the shade of the pastel cores being manufactured each week. One of the company's signature products, white pastels, have to be made in a dedicated machine, separated from every other color. At the tipping machine, a whirlpool of pink erasers twists, supervised patiently by a woman wearing a bindi.
Payne conveys the incidental beauty of functional machines: strange architectures of chains, conveyor belts, glue pots, metal discs and gears thick with generations of grease. He captures the strangeness of seeing a tool as simple as a pencil disassembled into its even simpler component parts. He shows us the aesthetic magic of scale. Heaps of pencil cores wait piled against a concrete wall, like an arsenal of gray spaghetti. Hundreds of pencils sit stacked in honeycomb towers. Wood shavings fly as fresh pencils are dragged across the sharpening machine, a wheel of fast-spinning sandpaper.
In an era of infinite screens, the humble pencil feels revolutionarily direct: It does exactly what it does, when it does it, right in front of you. Pencils eschew digital jujitsu. They are pure analog, absolute presence. They help to rescue us from oblivion. Think of how many of our finest motions disappear, untracked — how many eye blinks and toe twitches and secret glances vanish into nothing. And yet when you hold a pencil, your quietest little hand-dances are mapped exactly, from the loops and slashes to the final dot at the very end of a sentence.
Photographs like these do something similar. They preserve the secret origins of objects we tend to take for granted. They show us the pride and connection of the humans who make those objects, as well as a mode of manufacturing that is itself disappearing in favor of automation. Like a pencil, these photos trace motions that may someday be gone.


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The University of Chicago has been providing instruction in disciplines of the CEERES region continuously since 1903, when courses in Russian language and area studies were begun. The center now known as CEERES has been in existence since 1965, and it continues to coordinate instruction and facilitate research about Russia/Eurasia and Eastern/Central Europe, including the Baltic States, Balkans, Caucasus, and Central Asia. In addition to its robust language offerings, CEERES supports curricula which are particularly strong at present in Russian/Soviet history; Slavic, Balkan, and Baltic linguistics; nationalities studies of the former USSR; Slavic literatures (Russian, Polish, Czech); Russian and East European cultural anthropology; comparative literature; archaeology of the Caucasus; Russian and East European film and art history, and business administration. CEERES faculty have expertise also in political science, international relations, economics, sociology, and Central and East European, Byzantine, and Ottoman history.
The faculty members that teach and do research in our area are supported by one of the best libraries for that purpose in the country, with CEERES area holdings of more than 613,500 volumes. The Center strives to be a resource for our campus and extended local communities by providing support for the instruction and improved pedagogy in CEERES area languages and disciplines as well as for faculty travel, workshops, speakers, and conferences, and outreach activities. Also crucial to our multidisciplinary programs is to award FLAS academic year and summer fellowships to graduate students whose academic and career goals require foreign language and area studies expertise.


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Together we are building a stronger future for our community, the next generations, and the State of Israel. Be a part of the change. Join the movement!
Join the IAC Florida Supporters Program
The IAC Florida Supporters Program will help build our community and programs for an annual contribution of $3,600 per person. We offer a special annual contribution of $1,800 for IAC Supporters under 40 years old.
IAC Supporters Benefits:
- Exclusive entry to three private IAC Supporters events per year in Florida
- Exclusive events at the annual National Israeli-American Conference
- Complimentary entry to IAC events excluding fundraising events and the National Israeli-American Conference.
The IAC is a 501(c)(3) tax exempt non-profit, doing business as Israeli-American Council (IAC). EIN#22-395-1652


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All of our towbars are produced in respect of the highest quality design and production standards. The initial phase consists of an accurate analysis of the structure of the vehicle and the creation of a prototype using 3D technology. Subsequently a sample is produced to verify the perfect adaptability during the assembly phase, the structural resistance and safety by means of an elaborate stress test phase of more then 2 million circles. Once the aim has been achieved, in the presence of the Italian ministerial authority, the towbar is approved respecting the European Legislation 94/20/CE.
We only sell towbars produced by companies that have received the Quality Certification ISO9001/2008.
Be aware that quality is priceless, above all in reference to road safety!
Basically all that is necessary for the installation and approval of your new towbar
Your complete satisfaction is our primary aim. If for any reason you have any questions, concerns please do not hesitate to contact our customer support and technical teams. If you had a great and amazing experience we would love you to tell the words, but if you have bad one please let us know.
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Opera singer Kerry Henderson took delivery of a grand piano on Tuesday afternoon at the new offices of Kingstone Creative Connections at 296 Wall St.
Opera singer Kerry Henderson took delivery of a grand piano on Tuesday afternoon at the new offices of Kingstone Creative Connections at 296 Wall St., Kingston.
Rumors of an ambitious citywide arts festival are well founded, Henderson said.
"For years, [wife] Becks and I have been making our way around the Kingston waterfront, Broadway and Stockade district. We often thought it was an ideal place for an all-inclusive arts festival, similar to Spoleto in Charleston (S.C.) or the Adelaide Festival in my home country of Australia," Henderson said.
After building the Phoenicia International Festival of the Voice from a few hundred people under a tent to an audience of 7,000 last year in the small Catskills hamlet, Henderson, with his actress wife Rebecca Roper-Caldbeck and project partner Gloria Waslyn, turned his attention to the rich creative resources of Kingston.
"There's so much that's here already. Kingston was named one of the top-10 cities in the country for artists by Businessweek (in 2007). There's a reason for that," Henderson said. "We thought someone should organize an arts festival, and realized that someone was us in partnership with the arts leaders who are already here."
Kingstone Creative Connections offices will open in late May as the home base for four arts organizations: Kingston Festival of the Arts; Opera Theater of Kingston; LiederWorks classical song recitals; and Kids Create Kingston, creative programs for children. The first project will be participating in the Taste of Kingston event on Aug. 24 with a sampler of music and arts events in all three sections of the city.
"We're presenting a 'Voices for Water' concert, which will be a perfect integration of the waterfront and the Clearwater," Henderson said. "I have two children and I want to see pure water available for them and future generations."
Opera Theater of Kingston will present avant garde and rarely performed operas at Backstage Studio Productions, the Arts Society of Kingston and other opera-friendly venues around the city. LiederWorks is Henderson's already-established chamber art song company, which opens this year's Maverick Festival in Woodstock. Kids Create Kingston, spearheaded by Roper-Caldbeck, will organize children's programming for this year's Taste of Kingston event and expand into next summer's 11-day Kingston Festival of the Arts in August.


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Dawn E. Christenson, L.V.T., Instructor, College of Veterinary Medicine, Michigan State University, East Lansing, MichiganDawn E. Christenson LVT is the author of 'Veterinary Medical Terminology, 2e', published 2008 under ISBN 9780721697260 and ISBN 0721697267.[read more]
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We are a Car Leasing Comparison site, we offer industry leading Jaguar personal contract hire deals on new cars in East Anglia supplied by UK franchised dealers. Whether you're looking for Jaguar private car leasing or a personal Jaguar car lease in East Anglia, AutoVillage can help, we search the whole of the UK car leasing market for the best deals in East Anglia to display, all offers include free UK delivery to your door, so if you're in the market for a perosnal Jaguar car lease today, look no further than our industry leading private car leasing deals in East Anglia.
Above is a very small sample of the Jaguar contract hire deals available locally or in East Anglia. To see a full range of all available Jaguar lease deals nationally, please start a fresh search.
Some excellent Jaguar Contract Hire offers in East Anglia, all competitively priced, delivered to your door. AutoVillage specialise in obtaining the best rates for Jaguar Car Lease, we do all the leg work so you don't have to. We only deal with Main Franchised Jaguar Dealerships, so quality is guaranteed and all of our cars come with the full Jaguar warranty for peace of mind.
BuyYour Limited t/a AutoVillage are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 765106
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Job Description
Our clients are currently seeking new night concierge staff to work at a number of luxury resdiential schemes in West/Central London
Key Responsibilities:
Meet and greet the residents and answer enquiries by telephone or from callers to the desk. Assist the residents, guests and visitors when required.
Assist residents with luggage/shopping to and from their apartment.
Ensuring that the highest levels of customer care and service are maintained at all times. Deal effectively with complaints, take the correct action and remain courteous at all times.
- Ensure effective security of residents and the building at all times including manning any CCTV and aid the smooth running of car parking facilities.
Uploading information onto portal if required.
Check and screen all visitors and guest and any contractor staff, ensuring that they have permission to be present in the building. Report any suspicious/unusual behaviour, calling the police if necessary.
Carry out regular patrols of the entire building and report any faults and/or security breaches found to the Building Manager.
Ensure the tidiness of the common areas of the building and assist with the cleaning of public areas including changing bins under the chute if outside the cleaners normal working hours.
Ensure correct reporting of any security/Health & Safety issues, incidents and complaints. Taking appropriate action in the event of an emergency.
Issuing of keys only to correct personnel/residents whilst recording at all times the signing in and out of keys.
Responsibility for all deliveries to the main reception desk, receiving and safekeeping of all parcels/registered mail. Correct issuing of all parcels/registered mail with a record which must be signed by residents. Notify residents of any deliveries to arrange collection from the front desk.
Liaise with other staff involved on the estate as and when required.
Instruct residents on the correct use of gym equipment for which full training will be provided.
Be able to give a clear and concise handover at the end of the shift, highlighting any events that have occurred and forthcoming events.
Maintain a clean and smart appearance at all times, wearing either the staff uniform or a suit.
Experience working in luxury residential apartments or 5* hotels would be desirable.
The successful candidate must be able to provide excellent references and be willing to undergo full vetting checks.


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So occasionally in my internets travels I come across articles about how SCIENCE found something cool or discovered that something cures something else that you would have never expected. I don't really have anywhere to share that ****, aside from Facebook, which I don't really care about, and thus this thread is born.
Please feel free to post links to any articles you come across that are crazy ****ing awesome, bat**** insane or whatever. This stuff fascinates me endlessly.
Here, I'll start.
Zebrafish may hold the answer to repairing damaged retinas and returning eyesight to people
****in' cool.


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Mark Gonzales, NYC
20" x 24"
C-Print ed. of 6
No Cause
September 11 - October 9, 2010
3100 NW 7 Avenue / Miami / Florida / 33127
Ari Marcopoulos has cemented himself as one of the most influential cultural anthropologists of the last three decades. His body of work focused on marginal pockets of American life and chronicled the early roots of these subcultures as they slowly crept into the mainstream conscience. He has an uncanny ability to be at the right place at the right time, capturing fledgling cultural movements as they are taking form. In the process, Marcopoulos produced some of the most arresting images of youth and defiance this generation ever witnessed.
New York in 1993 had a style of skating like no other. It was not your ordinary dude fest. Actually, there were no dudes allowed. These skaters were train-hopping, taxicab jumping, runaway kids – born and raised in the city. Kids from every borough and background bombed down hills, crossed bridges and ferries, to session the urban paradise. Around this time, the NYC skate scene was just beginning to take form. Very few people were able to see this culture firsthand, but Marcopoulos was there and his access was unrestricted. His exhibition, No Cause, captures the mood of the New York skate scene at the moment of inception. Through intimate portraits and quiet moments caught on Polaroid, black and white photos, color snap shots, photocopies, and drawings, Marcopoulos takes us on a ride, chronicling the personalities and locations that shaped a movement and inspired popular culture on a global scale.
Opening reception Saturday, September 11, 2010 8pm along with the release of Ari Marcopoulos' book titled Stoopz.
Tuesday, August 31, 2010
Mark Gonzales, NYC


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The St. Louis Rams have drafted defensive end Michael Sam, who will become the NFL's first openly gay player.
Sam was selected Saturday in the seventh round as the 249th overall pick.
The former University of Missouri player came out in February, saying: "I want to own my truth. ... No one else should tell my story but me."
"I understand how big this is. It's a big deal," he told ESPN. "No one has done this before. And it's kind of a nervous process, but I know what I want to be. ... I want to be a football player in the NFL."
Earlier this week, Sam signed his first endorsement deal, teaming up with Visa. (Get the details here.)
Sam's announcement followed that of NBA player Jason Collins, who became the first male athlete to come out while active in a major professional sport in April 2013. In January, Conner Mertens, a kicker for Willamette University, became the first active college player in the country to publicly come out.
Wade Davis, a gay former NFL player who's been working with the league to prepare for its first openly gay player, told USA Today that the Rams' selection of Sam "is a dream come true for so many football players." "That's a realization that all his hard work has paid off," he continued. "Now he can really start to focus on his new journey."
Watch Sam receive the big news below.


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LOVES PARK — State Rep. Joe Sosnowski, R-Rockford, will host his Kickin' It Summer Reading Program ice cream social from 6 to 7 p.m. Aug. 15 at the YMCA of Rock River Valley, 8451 Orth Road.
More than 170 students completed the reading program by completing at least eight books during their summer break and returning the list to the Sosnowski's office.
At the celebration, readers will enjoy ice cream, receive prizes and be entered to win Barnes & Noble gift cards.
For information: joesosnowski.org.


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Tag: cdc
The Buffoonery Surrounding Ebola
Unless you've been living on another planet you've heard about the deadly Ebola virus. The media keeps showing us this same picture like it's a Wanted poster. This is how we're going to stop Ebola's spread, by each of us being on constant look-out for the blue stained spaghetti. Whenever we're perusing tiny stuff with… Read More ›