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Irondale Whistle Stop FestivalIrondale
The 23rd. Annual Whistle-Stop Festival will be held on Saturday, September 27, 2014 in Historic Irondale, Alabama.
The 23rd. Annual Whistle-Stop Festival will be held on Saturday, September 27, 2014 in Historic Irondale, Alabama.
Three days of expertly guided tours - on land and water - to prime birding spots on the Alabama Coastal Birding Trail with evening speaker events and a free, daylong Bird & Conservation Expo. Trips and evening events require advance registration. www.AlabamaCoastalBirdFest.com
Oct 4-6, Mobile. Bayfest Music Festival. 251-478-5679. www.bayfest.com. Downtown--A weekend of entertainment on multiple stages, with music genres including country, classic rock, R&B, rock, pop, jazz, gospel and acoustic tunes. Special children's area. Weekend passes available; children 12 and under are free. Visit website for more information. Fri., 6 p.m.-midnight; Sat., 2 p.m.-midnight; Sun., 2-10 p.m.
Oct 4, Hoover. Bluff Park Art Show, 51st Annual . 205-822-0078. www.bluffparkartshow.com. Free. Bluff Park Community Center & Park--Always held on the first Saturday in October, this juried fine arts show attracts the best artists in the southeast and beyond for a one-day celebration of artistic talent. Meet the artists and enjoy seeing and purchasing their works of art in a beautiful wooded park setting. 9 a.m.-5 p.m. .
Taste of the Bayou, 26th Annual. 251-824-4088. www.bayoulabatrechamber.com. Admission charged. Bayou La Batre Community Ctr.--A seafood tasting event, featuring thirty-plus booths with succulent dishes prepared by local and professional chefs. Tickets are limited. 5-8 p.m.
Week full of planned activities. Authentic German food, costumes, and music. Free admission to most activities. Dog show, arts and crafts, wagon rides, kids' fun area, food vendors, a visit from the Colonel, multiple stage events, Biergarten and much more.
Breakin' Bread. www.birminghamoriginals.org. Admission charged. Railroad Park--Signature dishes from local restaurants, farmers market, live entertainment, a children's area with live animal encounters and more. 1-5 p.m.
Oct 10 -11, Troy . Pioneer Days . 334-566-3597. www.pioneer-museum.org. Admission charged. Pioneer Museum of AlabamaHorse and wagon rides, trips on the Pioneer Express, Native American camps with demonstrations of candlemaking, spinning, weaving, quiltmaking, blacksmithing, drum, dance, etc. Friday is School Day. 9 a.m.-5 p.m..
Oct 10-12, Birmingham. Barber Vintage Festival. 205-699-7275. www.barbervintagefestival.org. Admission charged. Barber Motorsports Park--Featuring road racing, motocross, cross country events, an air show, a swap meet with over 250 vendors, a fan zone and more.
Surround yourself with history at Fort Gaines. Completed in 1861, visitors delight at this site of The Battle of Mobile Bay. Explore the grounds while hearing stories of days gone by watching live reenactments.
Witness the 6th and pivotal race in NASCAR's Chase for the Championship with the GEICO 500. The field of title contenders will be cut from 12 to eight. Lots of free camping, kids 12 and under with incredible discounts and lots more!
Don't miss your chance to get up close and personal with 36 dishes that represent the authentic array of food available throughout the state. Make your way through the display of mouthwatering photographs of dishes listed in the Alabama Tourism Department's brochure "100 Dishes To Eat in Alabama Before You Die" all displayed in the Court Street Market.
Alabama Gourd Show
Fall Arts Festival
Oct 25-26, Florence. Alabama Renaissance Faire. 256-740-4141. www.alarenfaire.org. Free. Wilson Park--The park is transformed into Fountain-on-the-Green for an entire weekend, with vendors, demonstrators and performers on location. Sat, 10 a.m.-6 p.m.; Sun, 1-5 p.m.
Blount County Covered Bridge Festival. 205-274-2153. www.blountoneontachamber.org. Free. DowntownThe high point of the beautiful autumn season in Blount County, the Covered Bridge Festival brings the entire area alive with arts and crafts vendors, vintage cars, children's activities, food and music, tours of the renovated, historic covered bridges, a 5k run, quilt show, and pancake breakfast. 9 a.m. to 4 p.m..
Magic City Classic. 205-977-9335. www.themagiccityclassic.com. Admission charged. Legion Field--The Alabama A&M University Bulldogs of Huntsville and the Alabama State University Hornets of Montgomery meet annually in Birmingham for this traditional football rivalry featuring exciting half-time band action. This is the largest black college football rivalry in the country. Please check the website for all the latest information, including pre-game activities.
Wiregrass Heritage Festival. 334-794-3452. www.landmarkpark.com. Admission charged. Landmark Park--Enjoy the sights, sounds and smells of cane grinding, syrup making and other traditional farm activities. Plus food, music, antique farm equipment, an old fashioned tractor pull and parade, and the Landmark Park Quilt Show. 10 a.m.-4 p.m.
334-793-4323. www.nationalpeanutfestival.com. National Peanut Festival Fairgrounds--The nation's largest peanut festival is held each fall to honor peanut growers and to celebrate the harvest season. Festivities include amusement rides, animal acts, agricultural displays, music concerts, beauty pageants, arts and crafts displays, contests, food, a two-hour parade, and tons of peanuts. Fri., 5-11 p.m.; Sat., noon until; Mon., 5-10 p.m.; Tues., 3-10 p.m.; Wed., 5-10 p.m.; Thurs., 4-10 p.m.
Frank Brown Songwriters Festival. 850-492-7664. www.fbisf.com. Various venues--The festival provides an atmosphere to promote all writers, whether they had written hit songs which made people open their eyes and view the world in a different way or they are aspiring writers and musicians who knew they could do the same but needed a forum in order to get their music out to the world.
Nov 13, Fairhope. Fairhope Tree Lighting Celebration. 251-929-1466. www.cofairhope.com. Free. Downtown--Entertainment provided and Mrs. Claus will be passing out candy canes. 5:30-8 p.m. with tree lighting at 6 p.m.
Nov 27-Dec 31, Huntsville. Galaxy of Lights. 256-830-4447. www.hsvbg.org. Fee for attractions only. Huntsville Botanical Garden--A magnificent two-and-a-half-mile long holiday light extravaganza featuring larger-than-life animated light displays. Special exhibits include a holiday village, dinosaurs, wild animals, a magical twinkling icicle forest, garden scenes, animated snowmen and the twelve days of Christmas. 5:30-9 p.m..
Dec 4-7, Demopolis. Christmas on the River. 334-289-0270. www.demopolischamber.com. Downtown and along Tombigbee River--Historic home tours, nautical parade, 5K run, arts & crafts, fireworks and more.
Dec 13, Wetumpka . Christmas on the Coosa. 334-567-1384 or 334-567-4811. www.cityofwetumpka.com. Free. Gold Star Park & riverwalk--Christmas extravaganza with arts and crafts, parade, food, quilt show, classic car show, entertainment and activities on the Coosa River culminating with a spectacular fireworks exhibition at dusk.
Mar 5-Mar 9, Selma. Bridge Crossing Jubilee. 334-526-2626. www.bcjubilee.org. Admission charged. National Voting Rights Museum and Institute. The weekend is a commemoration of the anniversary of "Bloody Sunday" and the Selma to Montgomery March. Activities include a pageant, a dance, women and youth conferences, a parade, festival, interfaith service and National Voting Rights Hall of Fame induction.
Fine Arts & Crafts Show
Outdoor Flea Market
Apr 10-12, Eufaula. Eufaula Pilgrimage. 334-687-3793. www.eufaulapilgrimage.com. Admission charged. Alabama's oldest tour of homes features guided tours of historical sites, an art show, antique show and more. 9 a.m.-9 p.m.
A foot-stompin', pig-chompin' two-day festival on the grounds of the Huntsville Depot.
Southern Makers is an annual event that celebrates creativity in Alabama. Our purpose is to bring together handpicked top talent - artists, chefs, breweries, craftsmen and designers - to one central place, making it easy for adventurers to get a sampling of Alabama's best.
May 15-17, 2015. Gulf Shores. The Hangout Music Festival. 251-948-3030. www.hangoutmusicfest.com. Gulf Shores Beach, The Hangout. A festival featuring an impressive lineup of bands and musicians performing on the white, sand beaches of Alabama's beautiful Gulf Coast.
May 23 - 24, Decatur. 800-524-6181. www.alabamajubilee.net. Free. Point Mallard Park. Enjoy balloon races, key grab, tether rides, balloon glow, arts and crafts, entertainment and more. 6 a.m.-10 p.m.
Jun. 20, Brewton. Alabama Blueberry Festival. 251-867-3224. www.alabamablueberryfestival.com. Burnt Corn Creek Park. This festival has original arts and crafts, car show. There is also a children's section, live entertainment, blueberries, blueberry bushes, cookbooks and food. 8 a.m.-3 p.m.
Jul 4, Decatur. Spirit of America Festival. 800-232-5449 or 800-524-6181. www.spiritofamericafestival.com. Free. Point Mallard Park. A large fireworks show.
Fall Arts Festival
Stroll through the park with your pooch! All pets welcome.


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I've come to terms with Argo being declared by a number of governing bodies including the oh-so-prestigious Academy of Motion Picture Arts and Sciences as the Best Picture of 2012. It's ok. I watched it again, and it's fine, whatever. A well told story that's engaging throughout and has a conclusion that stretches the definition of "true story" but is fairly well conceived and executed and all that. It's good. It's fine. It deserves to be among the year's acclaimed movies.
I also think I get why it received all this acclaim long after it had been released. In what seems to be the victorious narrative, Ben Affleck was left out of the Best Director category when the Oscar nominations were released, and this led to a flood of sympathy votes for his darling little movie to win every award that came after. This is not necessarily a satisfying explanation in the sense that it's unfortunate this is the way the world in general and the world of Hollywood more specifically seems to work, but satisfying in the sense that there is an explanation, and this one seems to hold water.
There are other movies that have been the recipients of enormous acclaim, either popularly in the form of box office or word of mouth reception, or from critical raves, none of which makes any sense to me. I'm not saying they're bad in every case, but the degree to which they're hailed as great movies baffles me nonetheless. This may just be obtuseness on my part. But I've never let that stop me before from sharing my reservations about popular movies.
Continue reading on the next page…
1) The King's Speech
The King's Speech was sort of like 2010's Argo, ending up with all the big awards after it seemed another movie, in that year The Social Network, seemed to have all the critical momentum behind it. It's even more baffling because instead of having the sentimental narrative behind it, I'm talking about the Ben Affleck "comeback" (because people were mean to him for a while, omg), The King's Speech was directed by Tom Hooper. People don't seem to like Tom Hooper, and every criticism made about his movie from this past year, Les Miserables, has basically been mounted as a personal attack on his skills and knowledge as a director.
And yet his movie about a stuttering monarch who finds his voice and singlehandedly wins a war for England, I think, earned him a Best Director prize at the Oscars, and the movie won Best Picture. Seems odd for a director that is hailed by many as the worst and they'd like you to believe he has always been that way (I thought The Damned United was a fine film before this one). But that's neither here nor there. I don't get the affection for The King's Speech. My feeling leaving the movie was like, ok so he got over his stammer and delivered his speech and everything, but what would have happened if he had failed? He still would have been…the King of England? I find it hard to sympathize with royalty, I guess. It was a nice little personal victory for him, but making it into this big national triumph rang false for me. I must have missed something because everyone I talk to loves this movie.
Continue reading on the next page…
2) Gran Torino
Gran Torino I'm more brazenly negative about. It's worth saying I really liked Clint Eastwood up until this point. He was on a hot streak from 2003 to 2006, with four stellar movies coming out in that four-year span. Possibly the hottest streak of any director working at the time. Then in October of 2008 there was the release of Changeling, which was met with more mixed response but many, including myself, found it to be on par with his previous efforts, an excellent and heartfelt film.
So maybe I was too excited to see Gran Torino just two months later in December, given that it was another directorial effort by Eastwood but also featured him in the starring role with a shotgun. Hell yes. Then I saw it and I was like hell no, sorry. I don't like to dismiss a movie for its acting and so that wasn't my biggest problem with this movie. But it was certainly an obstacle that made its enjoyment harder to come by.
I dig that he wanted to cast Hmong actors in Hmong roles, but the inexperience of these performers was painfully obvious and a major distraction, for me at least. But that wasn't my biggest issue. It was the classic "mean SOB is actually a good guy" trope that irked me the most. It's not so much that this is a cliché, as that it's a cliché that is executed so poorly so often, including here. I get that he's supposed to be a racist old man, and we're supposed to find him amusing but kind of reprehensible for what he says and does, until the end when he redeems himself and all is well. This would have perhaps been tolerable if not for the immensely heavy-handed Christ-like imagery they used to turn Walt Kowalski into a savior. They could have made him complicated and interesting, and this was a copout and possibly really offensive and goddammit I hate this movie! Not actually, but when people, including a vast majority of critics and review boards, cite it as a great movie, I can't abide that. It makes no sense.
Continue reading on the next page…
3) The Blind Side
I tend to have more questions than answers about movies, which makes it tough for people to take me seriously when I write about them, and that's ok. But movies like The Blind Side just baffle me sometimes. From where I stand, based on all the movies I've seen and witnessed how they've been received, which is limited in scope but all I have to draw upon, I can't fathom exactly how a movie like The Blind Side gets nominated for an Oscar. This is a type of movie, and it's not exactly a movie that plays against this "type," that does not typically generate awards consideration. It's usually seen as harmless but not particularly noteworthy. And so I was expecting this movie to be in that pantheon of sports movies that people enjoy and are fine and good but don't get elevated to the heights of awards reception because that would be crazy.
And then they went and nominated this thing and gave Sandra Bullock a freaking statue for it. I appreciate that it's a really cool story and the movie tells it well enough. But why was it received so much better than the other movie director John Lee Hancock is known for, The Rookie? Or any other solid sports movie? How did this one break through and get nominated? Even if it was the first year that expanded the number of Best Picture nominees from five to ten? I mean, The Rookie is a good movie. I just somehow completely missed how Sandra Bullock was more deserving of awards attention than Dennis Quaid, or insert any other overlooked sports movie example you want. Forget the actual huge issues people had with the movie, of which there were many. The acclaim for this one specifically, as opposed to the many others like it, is still bizarre to think about.
Continue reading on the next page…
4) Extremely Loud and Incredibly Close
Hey, remember that time Extremely Loud and Incredibly Close got nominated for Best Picture at the Oscars? I had forgotten about that, and how confounding it was. Because this movie is pretty bad, and most people who saw it agreed on this, or so I thought, before it got nominated for a freaking Oscar.
The majority of critics, given its "rotten" overall rating on Rotten Tomatoes and its "mixed" rating on Metacritic, seemed to have a similar experience of the movie that I did, so I feel somewhat validated. The story seems like it sort of had potential, and from what I hear about the book, it works well in print form. But on screen it's either completely flat or completely ludicrous. The child is irritating and that could be ok, but he's held in such high regard without much awareness of how insufferable he is (again, that doesn't have to be a bad thing necessarily), that it becomes—I don't know, overwhelming?—listening to him in scene after scene. The Max von Sydow character is kind of interesting, as are many of the other supporting players, but this gets overshadowed by how preposterous their degree of accommodation for his personal quest is, and the partial explanation for this at the conclusion of the film is not at all satisfying. That was my take, at least. Some liked it, many others were even more vitriolic towards it, but somehow it gets to go down in history as an Academy Award nominee instead of a brilliant movie like Beginners. AMPAS, you crazy.
Continue reading on the next page…
5) J. Edgar
I apologize for the Clint Eastwood hate. I'll make up for it another time. For now, what the heck happened with J. Edgar? And better yet, how did this movie make it onto both the American Film Institute and the National Board of Review's respective top ten movies of the year lists? Again, if someone could explain this for me I'd be overjoyed. What I saw was a lot of speechifying characters and a pretty straightforward biographical drama that showed glimpses of interesting things but went the broad route instead of going into depth in anything. I much prefer something like Lincoln, which allowed itself to get kind of specific, than J. Edgar. Then again, Hitchcock also kind of sucked. So I'm not sure what would have made J. Edgar work better. But if people got something out of it, that's awesome.
With the access we now have to virtually every opinion imaginable about movies released each year, it's becoming easier to identify common threads and the dominating opinion about seemingly everything, not least of which movies. Things like award designation have become less of a surprise because we tend to already know what most of the "experts" as well as the public think about any film that's out there. This also lends itself to potential groupthink, people simply signing off on the popular opinion without giving it much thought themselves. In some cases that makes for some really interesting outlier opinions on movies that were widely thought to be of one type, and with one shift in perspective, could be seen another way. So we always have to be open to having our minds opened or changed when it comes to movies we think are dumb. That's why I'm open to, in fact would welcome, any of these movies receiving an ardent defense from their fans. But from where I sit, I just don't see their redeeming qualities.Previous

subset: commoncrawl


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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
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Two dogs who took the wheel inside a runaway pickup made it out alive in Tulsa.
The dogs, Luna and Roscoe, went barreling down the hill after one of them put the car into gear.
FOX's Kaitlyn Downing says no one was injured, but thanks to the two canines traffic was backed up and their owner's truck is badly damaged.
The dogs, Roscoe and Luna, were inside their owner's truck at the top of the hill and in a matter of minutes they were barreling across Riverside Drive and into the Arkansas River.
"It's an expensive joy ride," the dogs' owner, Scott said. He said he left his dogs inside his truck for about 15 minutes while he went inside a home.
One of the dogs put the car into gear and they took off.
Officials say the dogs missed drivers on Riverside Drive and runners on the trail
Police decided to let Roscoe and Luna off with a warning.


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Via Cute Overload and NVDH.
Wow…Shape Shifting Owl
#1 Dorian Danielsen December 31, 2008
Dingue, j'adore ! D�cidement on aura beau se creuser la t�te on poura jamais etre aussi surprenant que le nature.
#2 Theodosia December 31, 2008
That bird is such an anime character come to life. Now I know where Miyazaki gets his ideas!
#3 Zelly December 31, 2008
No idea what was said but it was great nontheless.
#4 Skwawkie the AGW Parrot December 31, 2008
It looks like James Hrynyshyn – the Global Warming Parrot. Skwawk Skwawk.
#5 juliagoolia December 31, 2008
I have to admit that I normally bristle a little when people stress out animals just to see what they do. But I'll totally overlook it this time because that shit is amazing and adorable!!
Hey, guys, when are you going to start breeding mini, shape-shifting owls?
#6 Troy McConaghy December 31, 2008
We got to see what that owl does when two other kinds of owl are nearby. I wonder what it does when other kinds of owls show up… Maybe it falls to the ground and plays dead?
#7 Dior December 31, 2008
Okay it's cute but what the hell kind of owl is it? Please send me the species name.
#8 The Mad LOLScientist, FCD December 31, 2008
ROFLmeow! I saw this on Cute Overload yesterday. Must have watched it half a dozen times in a row. AWSUM.
#9 PocketRebel December 31, 2008
Dior, That's a white-faced scops…
#10 Lilian Nattel January 1, 2009
Thanks for sharing this. It's amazing though point well taken about stressing animals.
#11 Julie Zickefoose January 1, 2009
This video should be called "Torturing the Scops Owl."
He responded to the barn owl (not normally a predator of other owls) with an attempt at intimidation, but the eagle owl, which eats every owl smaller than it, scared the crap out of him and made him try to disappear. I wonder how many times a day they put this poor little guy through this routine. A little stress is OK, but this is just flat-out cruel. Tied to a perch in broad daylight, surrounded by a roaring crowd with nowhere to hide, and presented with two apex predators–everything about it is an owl's idea of Hell.
#13 Andrew B January 2, 2009
zooillogix has gone into the business of breeding miniature shapeshifting scops owls. we will call them odo. we are taking orders now for 2012. demand is high. do not miss out.
#14 longsmith January 5, 2009
Are these owls all from the same area? I know we have barn owls in the US, but how would an owl from South Africa know an owl from North America isn't a threat? Have I missed something?
#15 Zach Miller January 7, 2009
Just goes to show how much of the own is "feathers." There ain't much meat on those bones!
#16 Jenbug January 8, 2009
The idea is that the animal is reacting to differently-sized threats. A barn owl, which is only slightly larger than the scops, might be frightened away by the scops's display, but a much larger eagle owl doesn't give a fig HOW fluffy his wee nibs gets, he might make a tasty mouthful. So the scops is recognizing this, and trying to blend in to his surroundings, which would normally include a tree. If he deflated and hooded his bright eyes like that and leaned against a tree trunk, a predator wouldn't even notice him. Notice how he turns with the owl, to keep himself as wee as possible.
I've been watching Attenborough's The Life of Birds, and a Potoo (this little parrot-like character) did the same thing: deflated himself and hooded his bright yellow eyes. He looked like nothing more than a broken branch. It was awesome.
#17 pough January 21, 2009
If I'm not mistaken, that's at Kakegawa Kacho-en. I'm planning on going there in May.
They have quite the owl collection. Also, the "water lily pool" sounds only marginally interesting until you find out the area is full of friendly toucans and conures.
I'll see if the gift shop has any shot glasses.
So the scops is recognizing this, and trying to blend in to his surroundings, which would normally include a tree. If he deflated and hooded his bright eyes like that and leaned against a tree trunk, a predator wouldn't even notice him. Notice how he turns with the owl, to keep himself as wee as possible.
#22 yabancı film izle December 15, 2010
even notice him. Notice how he turns with the owl, to keep himself as wee as possible.
#24 şifalı bitkiler May 2, 2011
"Oh," she returned with a relieved sigh. "I ask yer pardon, I'm sure. You wouldn't have it, 'course, no more'n I would. But, ye see, bein' pledged so, I didn't want ter make a mistake
#26 Napoleon Eccles July 1, 2012
Wow, this is actually a cool report and terrific look and feel as well.
#27 The New Beginning 2012 July 6, 2012
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Case Study
SIRVA, Inc.—Implementing a Top-down Risk Assessment
SIRVA, Inc., is a decentralized global moving and relocation services company with revenues of $4 billion in 2007. Under new internal audit leadership in 2007, the company implemented a top-down risk assessment, new SOX compliance software, and brought the effort substantially in-house. This resulted in annual savings of over $3 million and brought costs into line with benchmark companies.
First, management completed a risk-ranking of each balance sheet account (and certain sub-accounts) to assess the risk of material misstatement. The ranking was also used to identify key process/location combinations ("processes"). For example, revenue and receivables might be significant (i.e. in-scope) for one location but not another.
Second, processes were risk-ranked. Higher-risk processes or topics included entity-level controls, period-end reporting, revenue, and key accounting estimates and judgments. Other transactional processes such as accounts payable, payroll, tax, and treasury were lower risk and received less assessment effort. Nearly 200 material misstatement risks (MMR) were documented by systematically considering key accounting policies and financial statement assertions for each process or account. Risks represented "what could go wrong" in relation to the account or assertion.
Third, the number of key controls tested was reduced from the prior year by 50% (from nearly 1,000 to 500) by including only those entity-level and transaction-level controls needed to address the MMR. In other words, specific risks determined which controls mattered, as opposed to merely large dollar balances, locations, or systems. Management assigned each control a risk-ranking of high, medium, or low. This ranking was based on a combination of account-specific and control-specific factors in the SOX guidance. Sample sizes used in testing were based on the ranking and the frequency of control operation.
Fourth, SOX compliance software was implemented to document the risks, controls, and tests. Comprehensive status and quality reporting was developed and discussed in weekly meetings with the global audit team and management.
Finally, multiple domestic general ledger systems were consolidated into one system. Further, two major operating platforms were consolidated into one, removing an entire financial process.
SOX has resulted in dramatic changes in internal control, risk management, and corporate governance. Management and audit committees are more focused on financial reporting. The internal control and risk management best practices discussed above continue to evolve in practice. Companies continue to focus and reduce costs in their SOX 404 efforts through top-down risk assessment and compliance software, which have broader applications to other risk management efforts.
Making It Happen
SOX regulations and implementation have provided a series of best practices to help companies improve risk, control, and governance, even if technically they are not required to comply.
Identify and remove conflicts of interest that affect your business. These can involve auditors, management, the board, vendors, outside consultants, etc.
Ensure that your external auditors and internal auditors are independent by having their continuing employment, performance rating, and compensation determined by the audit committee or board.
Help to ensure that financial disclosures are transparent and fairly describe the organization's performance by using a disclosure committee and management representation letters.
Insist on a robust top-down risk assessment of financial reporting processes. The extent of testing to perform (the primary cost-driver) can then be determined appropriately.
Capture risk and control information in compliance database software. User-friendly software that can be customized and administered by non-IT personnel is available at very reasonable prices.
Establish risk committees at the senior management and board level. These committees can direct risk management efforts and help the audit committee to focus on financial reporting matters.
Develop reporting of operating metrics that are predictive of financial results and share it with the audit committee and board.
Communicate periodically to the audit committee any significant deficiencies identified (financial or otherwise) and management's progress towards remediating them.
Use the financial reporting effort and framework to initiate or improve an ERM program.
1 Office of the Press Secretary, The White House. "President Bush signs corporate corruption bill" (Sarbanes–Oxley Act 2002): www.whitehouse.gov/news/releases/2002/07/20020730.html
2 Lucas, Nance. "An interview with United States Senator Paul S. Sarbanes." Journal of Leadership & Organizational Studies (June 22, 2004).
3 Levitt, Arthur. "The numbers game." Speech dated September 28, 1998. www.sec.gov/news/speech/speecharchive/1998/spch220.txt
4 Financial Executives International (FEI). News release "FEI survey: Average 2007 SOX compliance cost $1.7 million." fei.mediaroom.com/index.php?s=43&item=204
5 Ibid. A complete cross-referenced index of SEC filers, audit firms, offices, CPAs, services, fees, compliance/enforcement actions and other critical disclosure information can be found at: www.sarbanes-oxley.com
- Page 3 of 3
- Previous section Evaluate Key Financial Controls


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The Iron Witch
By Karen Mahoney
(Flux, Paperback, 9780738725826, 299pp.)
Publication Date: February 2011
Other Editions of This Title: Paperback
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When she was seven, a horrific fey attack killed Donna Underwood's father and drove her mother mad. Her own nearly fatal injuries were fixed by alchemy--the iron tattoos branding her hands and arms. Now seventeen, Donna feels like a freak, doomed by the magical heritage that destroyed her parents and any chance she had for a normal life. Only her relationship with her best friend, Navin, is keeping her sane. But when vicious wood elves abduct Navin, Donna is forced to accept her role in the centuries-old war between human alchemists and these darkest outcasts of Faerie. Assisted by Xan, a gorgeous guy with faery blood running through his veins and secrets of his own, Donna races to save Navin--even if it means betraying everything her parents fought to the death to protect. Praise: "Dark and beautiful, sensual and dangerous, utterly enthralling. . . You'll fall under this book's spell."--Richelle Mead, New York Times bestselling author "Mahoney's debut sizzles with romance and alchemical swashbuckling. . . A captivating read."--Tiffany Trent, author of In the Serpent's Coils


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* Prices may differ from that shown
Asda is usually our main choice for supermarkets being that it is usually the cheapest and is the closest to where we live. We can usually find everything that we need and is usually cheaper than the other supermarkets.
They usually have good offers on whenever we go and we will normally take advantage of these offers if it is something that we as family like or fancy trying. We know what items are usually on offer and for exactly how much as well. The offers never really seem to run out. For example for the last 3 months at least Taylors coffee has been 2 for £5. Its a nice coffee and so whenever we have enough money we would opt for this brand, but otherwise we choose Asda's own brand coffee which at £2.28 a packet makes a decent coffee.
Asda's own brand items are usually just as good as some of the brand name products. And cost a fair amount less than the brand names. This is always handy when you have a limited budget most of the time. Our shopping usually consists of trying to buy things for my partner's children in order to try and keep them happy and stop them from complaining. So being able to take advantage of good offers and get a wide variety of products in one place and cheaply is a bonus.
I have noticed though that some of Asda's products have started to creep up in price. We usually buy a Don Simon orange juice 3 litre box and it used to cost £3.48 but when we went the last time it had gone up to £3.98. And other products have started to go up in price too which is rather disappointing.
Another downside is the lack of a loyalty scheme. Other supermarkets do it and it definitely gets customers through the door. This would be great if Asda started to do it especially if the prices are going to start going up. However they do have some products locked in price for example 4 pints of milk cost £1. So they are still the cheapest I just hope the prices aren't going to continue to rise.
Well asda for me is my local store, it is in walking distance and is very handy for top up shopping in the week as well as me doing my full shop there (not as often as i used to). Asda does have a lot of products available from food to cleaning to clothing. I find asdas range of baby clothes to be one of the best iv come across and always find my self browsing and buying items out this section when in store. They are amazing quality to well worth the money paid. Asda also does there own brand of food in store (smart price) some of these are as good in quality as the expensive brands but far more affordable. over the last 12 months though i have found that asda store has become very expensive forcing me to go else were a lot of the time as i just cannot afford a full shop especially while having a young baby. There was a time when you could go to asda and have a full trolley for around £50 lately i find that i have 2 small bags of shopping n it amounts to this n it barely lasts 2 days.
Asda overall is high quality and they do go out there way to help you, great store friendly staff just a little to expensive for me but its wot you can expect for a well known store at the minute as i found a lot of people mentioning the same thing.
I live about a ten minute drive from my local Asda and also my local Morrisons, but I alway seem to do my major shopping at Asda. Why you might ask, when both are so close, the answer is simple, price. Asda seems to be cheaper than Morrisons on most of the products I buy.
They sell a wide variety of items and their own "Smart Price" range are excellent value for money and taste just as good as more expensive brands. I tend to buy quite a lot of these such as kidney beans, chopped tomatoes and baked beans and find them very tasty, just check out my other reviews to see how tasty they are.
I find that it is easy to find what I want on the shelves, they don't tend to change the store lay out all that often so I know when I go in I know exactly where to look for my items. Their fresh fruit and vegetable section offers a good range of produce which tends to last quite a while, something which other supermarkets fresh vegetables doesn't. I know I store them in the same way, but Asda's items seem to last that little bit longer and my other half says that their grapes are better than Morrisons and he should know as he eats loads. They have an in store bakery and their fresh baked bread is delicious and when they're baking the store smells great.
Asda's aisles are quite wide as well, making it easy to pass people who've stopped for a chat, something which does annoy me a bit, but you can't change people. The store is also very tidy and clean and the staff seem friendly enough when I've had to ask them something, which to be honest isn't all that often.
All in all I would recommend Asda.
I ordered the "cuba balcony set" (order number 10394512) it was a table and chairs for £30 and a present needed for 13/4/13.
That was on 30/3/13 with standard delivery "3-5 days" they do not specify whether this is working days or not, although I assumed working days which still allowed time for 13/4/13 arrival. However, I received an email the following day confirming it had left the warehouse. I was impressed.
When 5 working days had come and gone I called them and was told they would check it and call me the following day. They did- to confirm it had been "lost" since leaving the warehouse and were not able to re-order but could refund me. I accepted this and ended our call.
On reflection I thought this was just not good enough so called them again, the advisor apologised and asked I try again to have a better experience and gave me a voucher code to re-order online and receive £6 off my order and choose which day for delivery. I went away and attempted this. The code was no longer valid... I called ASDA and was told they could do it over the phone. My order was taken (the table and chairs again and some lights) but when confirming the details I was told delivery would be £4.95 - that can't be right I said as I can choose when my delivery is. I was told this was what £6 voucher was for. This was not explained to me originally. I had expected to save £6 on my order as a gesture of apology from the store & choose the day for convenience. I told the advisor I didnt care when the delivery came, take the £4.95 off and make it standard - it was already too late!
Eventually I received the table and lights but was it really worth the hassle?
My experience was - you pay for what you get... I wouldnt bother again.
Unfortunately I still work there. Hopefully not too long. What you said is 100% true. I thought it's happening only in ''my'' Asda but I can see that is common practice. You are treated like a rubbish, no respect, no equality, no appreciation, even if you kill yourself they would say that you don't work properly. All of this is different... if you are a 'friend' or family of the management. Ridiculous!
I used to work at ASDA. Location is irrelevant, it's terrible to work in any of their stores.
I do not wish to go off on a rant, so I will use bullet points.
* You are lied to from day one, e.g. "ASDA's a really good company to work for."
* Terrible hours, you're lucky if you get more than 13 hours a week
* The 10% discount is practically useless unless you're buying a TV
* Management use bullying tactics to get you to do their bidding
* They have a habit of making things up as they go along
* The uniform, looks stupid, and it is clear it is made from the cheapest material available
* In relation to uniform, the "winter" clothes for porters, warehouse and home shop staff, DO NOT, keep you warm, or dry
* It is horribly Americanised
* Staff must be referred to as "Colleagues" not "Staff" (Related to Americanisation)
* The work you do is never good enough for the managers
* There is a strict (UNOFFICIAL) no talking rule, which they enforce with disciplinaries
* They will hand out disciplinaries simply if said manager is in a bad mood
* Security staff spend more time spying on staff with the outrageous amount of cameras, than actually catching shoplifters
* Management will happily sack you for minor "offenses"
* The "Happy-To-Help" criteria, is irritating, and robotic. I've also come across many customers who do not like it
* Some of the rules you have to abide by, are juvenile, moronic, and actually disrupt productivity for some staff
* If something goes wrong, it is instantly YOUR fault
* Management are fans of invading your privacy. Meaning, if you have Facebook, or anything similar, they WILL try and see what you're saying about ASDA. If you are caught bad mouthing them, you are dismissed on the spot. Top tip, if you're an employee of ASDA, make your profile on every social networking site you use private. Feel free to say whatever you want afterwards
* The managers don't like to practice what they preach, i.e. They can have breaks lasting as long as they want, yet you're allowed a maximum of 15 minutes, and 30 minutes if you swipe out for it. They also break the "no talking" rule. A visit to ASDA will prove this, you WILL see managers stood around talking about football or whatever else isn't relevant to their job
* Any opportunity they have to cut hours, they take, without thinking about the effects on the employee
* You are not praised for hard work, only criticized for not working hard enough
* You are threatened with a disciplinary, or even dismissal, if you stand up for yourself
* They are completely anti-union
* Hours are dished out unfairly
* Age discrimination IS present in so called "fair and friendly" ASDA
* Unruly and abusive customers are treated like royalty
* You are expected to do everybody else's jobs for them
* Lastly, I thought the store managers were bad. That was until I met the regional manager, who wasn't even aware that the rules in the "Colleague Handbook" were changed several years prior to this encounter. Great sign of management when they don't even know the rules they're supposed to enforce. Like I said up there, they make it up as they go along.
So there you go, a not so short list of issues that should put you off working for these profit hungry imbeciles.
Summary: Moronic management, ridiculous rules, no appreciation.
I am disgusted at the behaviour of Asda's staff:
After a complaint, we were banned from the store. The security manager and checkout assistant were both rude and bullying. When complaining at head office, we received an ill-spelled letter from the local store in which the bullying security manager told us he himself had made an investigation and found himself right. How ridiculous is this?
I have two concerns now: Firstly, how come the security manager can investigate in an incident in which he was involved and make a decision as a judge as well as participant? Secondly, how can Asda headquarters delegate the matter to the local shop when we have asked for their help? The letter also stated that we are banned from the shop.
As it is our local Asda, we went back to shop yesterday only to be threatened with a call to the Police!
What kind of customer care is this? I am appalled at Asda which I have always considered as the top one of the big 4. Asda has bullying and insulting stuff and sticks up for them. We are disgusted!
Asda in Beckton East London:
Quite simply the worst supermarket I have ever experienced. I don't know what other Asdas are like as this is the only one I can base an opinion on, but.. I work not far from Asda in Beckton so I have used it for the past year out of convenience. only its no more convenient than driving a couple miles up the road for some decent service at Teaco. I just queued up for 20 minutes for stamps at the cigarette counter, two members of staff behind the checkout, yet only one was serving. This is quite normal for Asda in my experience, on top of the pressure they put on you to use self service checkouts, because only one manned till is open, just to find that half the self service tills are out of order.
Terrible service. Asda never again for me, rather the extra 10 min drive to tesco.
I live about thirty seconds jog from my local ASDA and so spend most of my life in there. There are many positives to be drawn from my experiences in this supermarket. Many people think that the produce is low quality - cheap and cheerful - but this is often not the case. Like most supermarkets it has three tiers of brands, consisting of cheap Smart Price items, brand loyalty items and premium Extra Special items. This means that there is something for every budget at prices which tend to be lower than most other shops. They are well-stocked in most areas with their bakery being a particular attraction due to their recent exploration of new recipes in the Chosen by You range.
However, in terms of the customer experience, the picture is less attractive. Customer helpdesk staff are often unpleasant in their dealings with customer. However, ASDA do something that most other household name supermarkets do not. If you are overcharged, they will give you a £2 gift card as compensation. This heals any wounds you feel. This happens far too often though as many of their aisle-end offers do not come through at the proper price.
I have recently started on line shopping with asda 2 out 3 times all the frozen items have been completely thawed out the first time I did not realise till after the driver had left .Two phone calls to get my money back no apology, Yesterday you have guessed it just the same .A nice picture on the side of the van of shopping bags with ice lollies sticking out the top It should not be that difficult in 2012.
I normally go to ASDA for a top up shop. Just a few bits and bobs here and there but i actually like the honest offers, they dont trick you with offers like other supermarkets and they have a great staff attitude. They are especially helpful when it comes to retruns. You turn up, give your reciept, they give you a refund, and that's it, no faffing around getting half the workforce down to check your reciept they just get on with it, and thats what i like, the simplicity and good staff ability.
The store is very clean, well organised but the thing i have trouble with is stuff constantly moves, especially in the chilled meats section, i often have to ask where things have moved to. I dont understand why they do it but it must be for a good reason. The staff are very happy to help as their slogan says and point me in the right direction. I have yet to come across a member of staff that doesn't know where something is.
The whole store has banners above rows, products and if there is a special deal on it is clearly marked with big red and yellow text, and a small line of text explaining what the offer is. The checkout is pretty fast, most of their stores actually have self serve checkout and whilst i hate the annoying glitches and moaning i get from self serve tills, ASDA actually have a system where they dont moan, i thought it was impossible but it doesn't go crazy when i do something it doesnt like.
The store normally has a straight line layout for the main store but george and the vegtable section is quite open and much easier to get round with a trolley. Trolley's are usually rust free and in good condition by the way, they must take good care of them.
The staff at the manual checkouts are friendly and offer bags if you need them. To protect the environment you dont have bags ready to take, and instead they issue bags as and when needed. Stock on the shelves is usually full, sometimes things are taken and the staff need time to replace them but generally speaking they are stocked up and i can find everything i want. If i cant, i ask a member of staff and they help me.
Overall my shopping experience at ASDA is a pleasant one and i enjoy going there without hassle. I would recommend their supermarkets, and ill be sure to review some of their own brand products in the near future...
My main supermarket to do my weekly shopping about 5 years ago would have been Tesco. Where I live I can easily reach Asda, Tesco or Morrisons and whilst Asda is nearer to my house, I used to prefer Tesco.
I'm not sure why I ended up at Asda but sure enough I slowly started doing more of my weekly shops there until it became all of my shops there!
I personally think Asda has the cheapest supermarket prices overall. It's own smartprice brand on most products is very good but as with all stores/supermarkets there are some things that you don;t want to compromise on. (Smartprice chicken soup is really not that nice)
There are always good value offers on and also 'rollbacks' lowering the price of some goods. I find that quite a lot in Asda is generally on some kind of offer/promotion for a round figure like £1 which makes it a bit easier to add up your shopping as you go round if you want to stick to a budget.
One thing I don;t like though- at the checkout you can't see the subtotal on your shopping as the cashier scans it through, the tills only show the price of each individual product as they are scanned meaning that sometimes the final bill can be a slight shock! I would much prefer that I could see the running total as I went. Overall though a good reliable supermarket with low prices on everyday products
I am currently on holiday at a relatives house and her local supermarket is a huge ASDA. I love the chance to buy there as everything always seems to be a lot cheaper.
This particular asda in Beckton has various sections. It has the usual fruit and vege, frozen and all the other food sections but it also has a large clothes and home area which is fantastic. You can buy dvds, bathroom equipment, garden plants, childrens and adults clothes. Literally almost everything in one supermarket.
The fruit and veg is very good quality, I bought a bag of oranges and they are very juicy and tasty. I also like their cold meats selection which is reasonably priced and full of flavour.
Asda claim that they are cheaper for brands and I think this is true, everything seems to be a good deal.
The staff however in this store are not too hot on customer service. At the self service checkouts I heard a young employee calling a customer stupid as he was elderly and could not work the machines. The man did shout back and then complain to a manager but the point is that he should not have been disrespected by a staff member!
What this ASDA now needs is better training, more checkouts open to avoid the staff getting stressed, and better customer service. They have so many good products and lovely clothes now it needs to be matched.
The asda here also has a coffee shop which is very good and serves hot meals, and a Shoe zone so after getting your cheap clothes you can get some cheap shoes to go with it. Shoe zone remains my favourite place to get fake ugg boots!
When I moved to my current address I discovered that my nearest big Supermarket was an enormous Asda, these days I don't tend to do most of my shopping there, I go further afield to Tesco or Aldi but I still pop in occasionally and am reminded why I don't go more often!
The layout of the shops is ok, the aisles are nice and wide and everything is laid out in a logical order. The shop is generally clean and well staffed, and its not usually hard to find somebody to help you if you're struggling to find something.
The bigger Asdas have a great range of electricals, books, DVDs, greetings cards etc. which is really convenient especially as most are open 24 hours. Asda's own brand of things like kettles, irons etc. are just as good as any other basic model but usually a fair bit cheaper. They have a lot of home stuff such as cushions, candles, bedding etc. that are actually quite nice and great value for money.
Asda's George brand of clothing has been around for a while now and is really popular. I find its great for basics such as socks, pyjamas, vest tops and leggings but the rest of the clothing can be a bit hit and miss, some of it is lovely but its really important to try it on as some is very ill-fitting and so cheaply made that its not worth bothering with even at low prices. Don't even bother with the bras if you need any size bigger than a B cup!
However a supermarket is mainly about food, and sadly the quality of the food just isn't that great. If like me you prefer to buy supermarket own brands to save a bit of money then Asda food is a bit of a disappointment compared to Tesco, Sainsburys and the low price 'brands' at Aldi. The fruit and veg is a bit bland and you have to really rummage to get the best items, you can't just pick up a pre-packed bag and expect decent quality. I always end up a bit disappointed when I buy something that looks tempting from Asda, so I only really stop in for very basic stuff now if I happen to be passing.
I might be tempted to go to Asda more if they had a decent loyalty scheme like Tesco's clubcard, however at the moment there isn't any which is a real minus point. Another slight gripe I have, and it may not be an issue in every store but it certainly is in all the ones I've been to recently, is that the self checkouts are frequently not working so queues build up while they sit unused.
What dont i like about Asda? nothing! I live in leeds and use the pudsey asda a few times a week its reasonably priced it has great products and a huge range of items if i need anything i can usually find it there!
Good Points - I would say the best thing is the range of products they sell you can find clothes, food, electricals, music, dvds, toys! Most of the time if i need anything i can nip to my local Asda and find it at a very reasonable price.
In the Asda near me the staff are very chatty and very helpful they can always point you in the right direction and go out of there way to find the things you need i have found previously in a lot of stores if its not on the shelf they say they have run out and dont have any yet ive found at Asda if its not on the shelf they will go to the store room and have a look for you to make sure they havent got any more!
They also have a very large car park and there always seems to be spaces available although in there very busy periods which is mainly evenings and weekends you may have quite a walk to the store from your car as the carpark is huge!
Bad Points - I dont see many bad points about Asda if im honest, i guess if i had to say a negative the only thing i could say would be it gets very busy and sometimes the ques can be very long which is expected in a lot of stores! The only other problem is as its 24 hours if you go after 11pm its very very hard to get around with a trolley as they are stacking all the shelfs and they tend to have huge trolleys in the way so i would recommened NOT to do that!
Overall - I would recommened Asda to anyone and i usually do i find it very reasonably priced with a huge range of items and food to choose from they have some amazing deals on every week, the staff are lovely and the car parks huge whats not to like????


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Just when it seemed her future couldn't get any rosier, Carrie Underwood was tapped to play Maria von Trapp in a new three-hour TV production of The Sound of Music set to air live on NBC during the 2013 Christmas season.
This news topped a stellar year for Underwood, during which she co-starred with Steven Tyler on a CMT Crossroads special, made her concert debut at London's Royal Albert Hall, did a four-date swing through Australia (her first), dazzled American audiences with her dramatically staged Blown Away tour and co-hosted the CMA Awards show with Brad Paisley for the fifth consecutive year.
Underwood's record sales have gone well, too. Her singles "So Small," "Good Girl" and "Blown Away" were all certified platinum (reflecting 1 million downloads each) in 2012, while "Jesus, Take the Wheel" ascended to double platinum. Released in May, her album Blown Away attained platinum status in September.
Underwood's rendering of "Blown Away" is nominated for a best country solo performance Grammy, and the song itself is contending for best country song. She is currently scheduled to do seven concerts in Europe and Canada next year as an extension of her Blown Away tour.


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DULUTH, MN (KDAL) - The St. Louis County Public Health and Human Services Department is working to count the unsheltered homeless people on Wednesday night. The survey does not include homeless who are staying in a shelter or living with someone else. Being counted are those who spend the night in a place not meant for human habitation, that includes living in a car, abandoned buildings, storage units or campgrounds. The count will determine how much money and resources the county will get to fight homelessness.
The Rush Limbaugh Show 11:00 AM - 2:00 PM
On Air Now.


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Creep to within metres of a family of majestic Mountain Gorillas. Then embark on game drives on this exceptional Ugandan safari.
Chobe National Park is home to one of the highest concentrations of elephant in southern A


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Jeanne Lawrence Presidential Speaker at Northeastern University Jeanne Lawrence presents Profiles in Innovation Presidential Speaker Series at Northeastern University. Photo by Brooks Canaday. Jeanne Lawrence gave a presentation on December 2, 2013 at the Profiles in Innovation Presidential Speakers Series hosted by Northeastern
CDB Employees Honored for Years of ServiceSusan Gagliardi and Jean Underwood were recently honored for 40 years of service at the UMMS Employee Recognition Dinner on November 20th. Sue was the first female faculty member for the medical school and Jean began her
Jeanne Lawrence Gives Plenary Presentation to the ASHGJeanne Lawrence, PhD, Professor and Interim Chair of the Department of Cell and Developmental Biology gave a Plenary Abstract Presentation to the American Society of Human Genetics Meeting, in Boston, MA on October 22,
Hong Zhang's Lab Publishes Paper About Activating Aging in Tumor Cells"Scientists at UMass Medical School have shown that diffuse large B cell lymphoma (DLBCL) may be susceptible to treatment by re activating the normal aging program in tumor cells so they
Yeonsoo Yoon Defends PhD ThesisYeonsoo Yoon successfully defended his PhD thesis titled Morpogenetic Requirements for Embryo Patterning and the Generation of Stem Cell Derived Mice on July 15, 2013. Yeonsoo's mentor was Jaime Rivera. Mentor Jaime Rivera congratulates Yeonsoo Yoon.Committee
Lawrence Lab Publishes Paper on Silencing Chromosome for Trisomy 21Jun Jiang, PhD, Jeanne Lawrence, PhD, Lisa Hall, PhD and other members of the Lawrence Lab published a paper on July 17, 2013 in Nature titled Translating dosage compensation to trisomy 21. The
John Cooke Anatomist · Teacher · Mentor · Friend RetireProfessor John Cooke, PhD retired this year after 37 years teaching at UMMS. Dr. Cooke was Course Director for Anatomy for the first year medical school class. He also taught histology and
Cell and Developmental Biology Department Retreat 2013The Department of Cell and Developmental Biology hosted a department retreat on May 23, 2013. The long day featured talks by departmental faculty and staff about their current research. There were also sessions for networking and
George Witman, PhD, Honored by GSBS Dean George Witman, PhD, the George F. Booth Chair in Basic Sciences was honored on May 15, 2013 at the Annual Faculty Awards Ceremony. GSBS Dean Anthony Carruthers presented the "Dean's Award for outstanding faculty contribution for graduate
Kristen Maki New Administrator for Cell and Developmental BiologyKristen Maki, MPH, CRACDB Administrator Kristen Maki, MPH, CRA, joined the Department of Cell and Developmental Biology as Administrator on April 8, 2013. Jeanne Lawrence, Professor and Interim Chair, welcomed Kristen to the department in her
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Ildi and Gabor: wedding at Zala
Engagement at Fellini
The engagement photo set of Zsuzsa and Robert was done at a unique location in Budapest: at the so called Romai Beach, a lovely, green embankment of the river Danube, in the North of the Hungarian capital. This place is full of open air pubs and takeaway restaurants, attracting loads of young people with good food, music and the nearness of the river. For the photo shoot, we chose the Fellini Culture Bistro as the setting. This is an old red service bus turned into an open air cantine, surrounded by beach beds, resembling a vintage restaurant by the sea-side. And on top of it all: they sell the best sausages in the city! :) Despite this perfect location, we had difficulties during the shoot due to the unusually bad weather. Basically, it was raining all through, and sometimes we had to stop shooting due to sudden thunderstorms and monsoon-like downpours. That explains why the beach is empty, while normally, there would be dozens of other people in the background in each picture.
Kata and Attila's pleasant picnic engagement
On this hot May Saturday we planned for a picnic engagement in a popular Budapest park. We found a nice place for camping under the platan trees, and we started to shoot in an excellent, jolly mood. Kata and Attila enjoyed themselves so much that they showed their dance skills too. The afternoon sun cast beautiful soft lights over the grass. However, all of a sudden, it started to rain cats and dogs, and we had to finish the photo session immediately. Spring weather, just like love, can be capricious at times.
Agi & Gabor village engagement session
On this sunny day of May we had a really nice trip to Etyek, 20 kilometers West of Budapest, the capital of Hungary. Nowadays Etyek is famous for the "Korda" film studios used by Hollywood producers, but it is also a popular destination among wine lovers, with its romantic village atmosphere and well known wineries. Inspired by the location, Gergo prepared a custom designed wine label for the photo session. All in all, I found that this pretty couple, the pleasant countryside, the sparkling spring weather and the good wines resulted in an absolutely ideal mix for lovely engagement pictures.
Katinka & Gergo - black&white photojournalist wedding


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Jon Bon Jovi runs a restaurant that has no prices! Learn why
In case you live under a rock, Jon Bon Jovi is the lead singer of the band Bon Jovi. The band has had crazy amounts of success and their songs have been sung in karaoke bars across the world. As it turns out, Jon Bon Jovi is an extremely charitable man and is helping people live on a prayer.
Jon Bon Jovi started the JBJ Soul Foundation charity, which runs the non profit restaurant, Soul Kitchen. The menu for this restaurant has no prices, because the customers only have to pay if they want to! If they choose to pay, they only have to pay $10. If they pay anything more, they are paying for a discount on someone else's meal!
Jon Bon Jovi says he understands that money is extremely tight for most families, and that there are too many people in the world that are going hungry, so he got the idea to open this restaurant! The rules are if you don't pay you can volunteer to work at the restaurant until your meal is paid for!


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Ambiance Black Volumizing Dry Shampoo
Ambiance Dry Shampoo cleans hair and absorbs excess oil, leaving hair looking, feeling and smelling freshly shampooed.
Unlike other dry shampoos, Ambiance Volumizing Dry Shampoo contains no alcohol, is non-flammable and will not damage or dry out hair. This formula is for all hair types and is paraben, sulfate and preservative free.
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Using the applicator brush, dab volumizing dry shampoo directly onto scalp. Blend powder into hair with applicator brush or fingertips. for use on dry hair only. No water or blow dryer required.
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Product DescriptionWe've heard you running around town bragging about how you're the sports renaissance man. Pavement, dirt, bike, board, and slackline. If you do it all, you should take a gander at the Five Ten Spitfire Shoe. The Spitfire is just like you; it does it all. Five Ten's sticky Stealth outsole keeps you stuck to your pedals, grip tape, or nylon webbing without leaving any trace that you were there.
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Date Reviewed: August 9, 2012
Strengths: fit wide feet
sticks to flats like glue
Weaknesses: color fades
Bottom Line:
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Date Reviewed: March 8, 2012
Strengths: Two words describe these shoes best... Sticky and comfy! Not only do these stick onto your flats like you're wearing clipless, but there also very nice looking. The spitfires run true to size, I wear 9.5 (U.S.) and they wear a perfect fit, enough room for the cold days you wear thick wool socks also. These shoes will get a lot of use both on and off the trails.
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Price Paid: $100.00
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Bike Setup: SC Heckler
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Parent PLUS loans pose hazards
Parents can use these federal loans to pay for a child's college costs, but they come with serious risks. Borrowers, beware.
If you want your kids to attend college, be aware of a hazardous type of loan that could prevent your retirement and leave you strapped to a lifetime of debt.
We're talking about parent PLUS loans. These fixed-rate loans are offered through the federal government to parents of dependent undergraduates. But if you can't pay back what you owe, your tax refunds could be seized and your wages garnisheed. You could even lose a chunk of your Social Security checks, however meager they might be.
That's scary, but what's even scarier is that the same loans that pose these hazards also could be your best bet if you want your children to get college degrees.
Unlike federal student loans for undergraduates, there is no preset limit on parent PLUS loans. You can borrow up to the full cost of your child's education. (If your kid gets financial aid, the maximum is the full cost minus that aid.) You don't need pristine credit or any proof that you can pay the money back.
Which is part of the problem.
Pauline emailed me, hoping there was some kind of escape clause she'd missed after she and her husband borrowed more than $200,000 in parent PLUS loans for their two daughters' college educations. The two girls both had medical conditions that Pauline said prevented her from working and that cost them most of their savings.
Liz Weston
"We were at a high income level when the loans were made," Pauline wrote, explaining that her husband's income was over $300,000 at the time. "After 25 years with his company, he lost his job as a vice president. I went back to work, but only make $35,000. His new position is $100,000."
Their income is still high by national standards, but not high enough to make much progress on their enormous debt. The daughters can't help -- both graduated from college, but one has a "not great" job and the other is unemployed.
"We are taking out of our savings, (about) $3,000 monthly to pay our bills in hopes of things getting better," Pauline wrote. "My husband handles the finances (and) says if we can get lower payments, it won't matter on the student loans, we still have to pay forever. . . . He isn't or can't think about retirement."
You don't need a high income to get over your head with parent PLUS loans. One in five parent PLUS borrowers took out a loan for a student who received a Pell Grant, according to an analysis by financial aid expert Mark Kantrowitz, the publisher of FinAid.org and FastWeb. Pell Grants are reserved for the neediest students, typically those from families who earn $50,000 or less.
Kantrowitz's analysis of 2007-08 Department of Education data, the latest available, also found that monthly payments for PLUS loans ate up an average 38% of borrowers' income among those in the bottom 10% of incomes.
"Either these parents don't know what they are getting into," Kantrowitz said, "or they expect their children to make the payments on the loans."
Kantrowitz's findings were included in a joint investigation by ProPublica and The Chronicle of Higher Education of parent PLUS loans that found many families have overburdened themselves with this debt. The investigation highlighted one single mom whose modest $25,000 income wasn't a barrier to getting $17,000 in loans for her daughter's education -- a debt that 12 years later has more than doubled, thanks to accumulated interest and fees.
The nominal interest rate of 7.9%, while relatively low for a loan that's not secured by property, is high enough that the amount owed can double within a decade if no payments are made. (There's also a 4% "loan origination fee" that's deducted from each loan disbursement.)
The federal government doesn't check incomes or employment status before approving these loans. The government also doesn't inquire about your other debts or your debt-to-income ratio. PLUS borrowers can't have an "adverse credit history," which means being currently 90 days or more late on a bill or having a bankruptcy, foreclosure or repossession within the previous five years.
"In effect, the PLUS loan credit underwriting is looking for signs that the prospective borrower is struggling to repay current debts," Kantrowitz said. "It does not evaluate whether the borrower can afford to make the payments on the new PLUS loan debt."
The government has powers that other debt collectors envy, such as the ability to:
- Seize tax refunds.
- Garnishee wages without a court order.
- Grab a portion of Social Security benefits, which are usually off-limits to collection agencies.
- Pursue the debt indefinitely, since there is no statute of limitations on student loan collection, as there is with most other debt.
You also could lose the professional or vocational license that allows you to work, since several states allow licensing boards to deny, suspend or revoke such credentials for people who default on student loans.
More from Liz Weston:
Holy cow Liz! I can't believe what I read in your stories all too often. You write a sob story about some couple making$ 300K a year with student loan issues! It's bad enough that with such a high income they never bothered to save a dime for their 2 kid's education. Then, even with their $300k income, they couldn't buckle down and pay anything with cash flow??? So they took out $200k in loans!! This couple has to be insanely financially illiterate. They have to be living way too high off the hog. Makes me wonder how little they have saved for retirement. I don't feel one teeny tiny bit sorry for these people. They have no one but themselves to blame. Looking for a loophole.....give me a break.
It would seem that you just can't fix stupid.
A few things from this article stand out to me.
1."her husband's income was over $300,000 at the time. "After 25 years with his company, he lost his job as a vice president"
Ok, he was with the company for 25 years. He wasn't working for $10/hr for 24 years then suddenly became vice president with a big salary overnight.
He worked his way up the ladder at this company, he was probably making six figures for a loooong time, and made several millions of dollars during his time at that company.
Based on the information that was provided, this couple should have a net worth of at least 1 million dollars(only 3 years of peak income) and probably alot more than that.
Sorry, i can't feel sorry for them.
2."I went back to work, but only make $35,000. His new position is $100,000."
$135,000 combined income. They are still making damn good money. If they can't survive on that kind of income they need to adjust their lifestyle.
Move into a cheaper home, sell the summer home, stop buying expensive new cars, clothes, jewelry, stop going on vacations.
Sorry, i can't feel sorry for them.
3."The two girls both had medical conditions that Pauline said prevented her from working and that cost them most of their savings."
He was vice president of the company, i am sure he had damn good health insurance that covered most medical bills.
She couldn't work? The girls required care 24/7? How did the girls go away to school? Did mom live in the dorm with them?
It sounds like BS.
Sorry, but college isn't for everyone. If these girls were so medically challenged then the parents should have been putting money into a trust fund for the girls future needs, and not into a college education.
Sorry, i can't feel sorry for them.
4."We are taking out of our savings, (about) $3,000 monthly to pay our bills in hopes of things getting better"
That tells me you lied in quote #3.She said they could hardly save anything(of a $300k salary) because of tremendous medical bills, but suddenly they find a magic savings account that spits out $3,000 a month.
They currently have income of $135,000 + another $35,000 that they take from savings, thats $170,000 a year.
It sounds like they don't know how to manage money. Is it any wonder he lost his job as vice president?????? He can't manage his own finances, how could he manage a company's finances?????
He was making $300,000 a year an couldn't pay cash for for college educations???
This story is either complete BS, or it is a story about a family of complete idiots.
If it is fake then shame on the author.
If it is real, then i can't feel sorry for a family that pisses away that kind of income, and can't pay their bills.
And stop crying about 7.9% loan interest rates.
In the late 70s, early 80s people would camp out in front of the bank for weeks to get a 30 year mortgage at roughly 15%.
I agree with mbigston722. Sounds like they were living the high life, spent as much as they made and saved nothing. Went to fancy liberal arts schools, got worthless degrees and are sitting back home with mom & dad, We want to blame the kids, but clearly the parents are not being parents in this scenerio. We're finishing up with our 2nd in college, don't even make as much as they do now and still manage to pay it ourself, no loans or grants - roughly $130,000 for 2 kids in state colleges.
This is like the mortgage meltdown. These people want to blame someone else for their problems.
He was making 300k and couldn't put money back for their college? Now they get by on 135k and payout 3k a month for the student loans. Sounds to me like he wouldn't be able to retire even if he was still making 300k a year. Being bad with money is being bad with money no matter how much you make. And I'm sure as Vice President of the company and being paid that kind of money his insurance was also excellent. She had to stay home with the kids because of their medical condition. So I also assume she must have gone off to college with them to take care of them there as well.
With what they are getting by on now at the same rate could have put back 170k a year (minus taxes). In four years time they could have put both kids through college and paid off a very nice house. So now they want a loophole to get out of paying off the loan.
They still make a very good living and people making substantially less manage to put their kids through college and live up to their word and pay their loans.
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Milanesi predicted that wearable computers such as smart watches and smart glasses will primarily remain a companion to mobile phones for years to come, even though vendors see the category as an important market opportunity. Fewer than 1 percent of consumers will replace their mobile phones with a combination of a wearable device and a tablet by 2017, Gartner said.
"In the short term, we expect consumers to look at wearables as nice to have rather than a 'must have,' leaving smartphones to play the role of our faithful companion throughout the day," Milanesi said.
This article, Tablets to mushroom by 53 percent in 2013, was originally published at Computerworld.com.
Matt Hamblen covers mobile and wireless, smartphones and other handhelds, and wireless networking for Computerworld. Follow Matt on Twitter at @matthamblen or subscribe to Matt's RSS feed. His email address is email@example.com.
See more by Matt Hamblen on Computerworld.com.
Read more about tablets in Computerworld's Tablets Topic Center.


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A Look Back at the Death of Elvis
On the afternoon of Aug. 16, 1977, the world was stunned by news reports announcing the death of music legend Elvis Presley in Memphis, Tenn. Newspapers, TV and radio stations were swamped with "Is it true?" calls from incredulous fans of the 42-year-old "King of Rock 'n' Roll."
Many people turned to broadcast media for details on the breaking news from Memphis, but some news executives misjudged public interest in the story. The top-rated CBS Evening News did not report Elvis's death until six and a half minutes into its broadcast. By then, many viewers who had tuned in for news about Elvis had switched to other networks, resulting in the CBS newscast's lowest ratings in years. Both ABC and NBC led their evening newscasts with the story and produced same-day, late-night tributes, which garnered high ratings.
Even though celebrity journalism was not the obsession that it is today, the news of Elvis's death dominated the next day's front pages. In Memphis, The Commercial Appeal and the Memphis Press-Scimitar were so swamped with requests for extra copies of their Aug. 17 editions that they jointly published a special "Elvis Presley Edition" a week later to meet the demand.
The Aug. 17 New York Post had a special angle on the Elvis story, thanks to Post reporter Steve Dunleavy, whose book "Elvis: What Happened?" had just been published. Excerpts from the controversial book, including sensational allegations of Presley's extensive drug use, had been slated to run the following week, but the Post printed the first installment that day, thrusting the relatively unknown book into the spotlight.
Three decades after his death, Elvis Presley still generates media coverage, from articles about the faithful fans who flock to his Memphis home to the occasional tabloid report of an Elvis sighting. And this week, Elvis's likeness once again graces front pages as the nation remembers the King on the 30th anniversary of his death.
The Aug. 17, 1977, edition of the Memphis Press-Scimitar, with the headline "Memphis Leads World in Mourning for Elvis Presley," is among the historic front pages featured in the Newseum's News History gallery.


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Arts in the Garden is Sept. 17 | Free admission to Rhododendron Garden from 1 to 5 p.m.
The Historical Society of Federal Way will look back at the history of arts in the community during the Arts in the Garden event Sept. 17. Pictured is a 1994 photo of Dave Phillips with the Evergreen City Ballet.
The Federal Way Arts Commission and the Rhododendron Species Foundation and Botanical Garden are sponsoring a free event called "Arts in the Garden" from 1 to 5 p.m. Sept. 17 at 2525 S. 336th St., Federal Way on the Weyerhaeuser Campus.
Several groups will perform for 25 minutes including Aria (3:45 p.m.), Jet Cities Chorus (2:30 p.m.), FW Chorale (1:30 p.m.), Harmony Kings Barbershop Chorus (2 p.m.) and Centerstage (3 p.m.). Each group will perform for about 25 minutes. The Historical Society of Federal Way will also deliver a presentation at 3:30 p.m. Contact Leah Fraine at (253) 835-6926 or email@example.com.
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Credits: 4
Fundamental principles and theories of chemistry including intermolecular forces, atomic and molecular structure, chemical reactions and thermochemistry. The laboratory component includes basic laboratory techniques and complements and reinforces classroom concepts. Not open to students who have earned credit for (CH 2130 and CH 2230) or CH 2330. Additional course fee required. Falls. (QRCO)
*All course information is from the 2013-2014 Catalog.


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The Information Tribunal's decision to order the House of Commons to provide full disclosure of MPs' second home expenses is a triumph for the freedom of information campaigner Heather Brooke. In company with the Sunday Times reporter Jonathan Ungoed-Thomas and the Sunday Telegraph reporter Ben Leapman, she filed the initial request for key data about MPs' financial affairs. See her comments on her website here.
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With its graceful lines and distinctive design Trillipse has the broadest of appeal and a breadth of options which make this chair highly versatile.
A comprehensive family of products, Trillipse is a truly flexible creation. This multi-purpose chair range is also available with castors, which meets the growing demand for mobility. Lending itself to use in conferece, seminar and training rooms, boardrooms and breakout areas.
Trillipse success really does speak for itself.
Also available is retractable linking, reversible wire basket, writing tablet, laminated wooden arms, and a mobile trolley enables 4 leg models to stack 10 high.
The Trillipse frame comes in either a black or silver epoxy coat or a polished chrome. Seat back colours: Black, light grey, translucent orange, blue, green and white. Arms colours: Black, light grey or dark grey.


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Bis-diglyceryl polyacyladipate-2, Oleic/linoleic linolenic polyglicerides, Simmondsia chinensis (jojoba) seed oil, Microcrystalline cellulose, Glycine soja (soybean) oil,Olea europaea (olive) fruit oil,Beeswax,Helianthus annuus (sunflower) seed oil,Euterpe oleracea (acai) fruit oil, Lycium barbarum (goji) fruit extract,Morinda citrifolia (noni) fruit extract, Punica granatum (pomegranate) seed oil,Flavor, Tocopherol. May contain: Mica, Titanium dioxide, Manganese violet, Iron oxides, Silica.Produced from organic farming.
STORE FEATURES: We stock and ship Genuine, new and manufacturer direct products.


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Posted on November 9, 2011 by peterwolff
"Gripskin is always and everywhere. Its here and there. Gripskin is fingerboarding, Gripskin is music, Gripskin is skateboarding. But Gripskin is much more. Gripskin is friendship, lifestyle and the best thing that could happen to you."
Haha... but honestly, we cant tell you. Gripskin exists for over 10 years now. It all started with wooden fingerboards and it never ends. Gripskin is a group of friends who learned to know each other because of fingerboarding. Gripskin want to show you, what it is all about.
Posted on November 9, 2011 by peterwolff