text:
The non-intrusive design of McAfee Database Event Monitor for SIEM supports your expanding compliance auditing and reporting requirements and enhances security operations. While it monitors all database transactions, Database Event Monitor for SIEM provides a complete audit trail of all database activities, including queries, results, authentication activity, and privilege escalations.
Database Event Monitor for SIEM is the only product that both consolidates database activity into a central audit repository and provides normalization, correlation, analysis, and reporting of that activity. It normalizes activity for analysis with other pertinent security information for expanded visibility into user and data interactions, user information, application contents, OS activity, vulnerabilities, and even network location.
Database Event Monitor for SIEM allows you to:
Comply with regulations such as PCI DSS, HIPAA, NERC-CIP, FISMA, GLBA, SOX, and others, while strengthening your overall security posture with pre-defined rules and reports and privacy-friendly logging features.
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Discover all database instances including unauthorized or rogue databases.
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Avoid overhead, monitor your database over the network, and ensure the audit data you need is retained.
Leverage integration with McAfee Enterprise Security Manager as a central resource and interface for all database monitoring and compliance needs, and enable database transactions to be used by event correlation and other advanced SIEM features.
Scalable deployment options — Hybrid delivery choices include physical and virtual appliances.
McAfee Database Event MonitorHardware Appliance Specifications*
|McAfee Database Event Monitor 4600
|McAfee Database Event Monitor 2600
|Collection Rates
|15,000 events per second1
|5,000 events per second1
|Recommended Storage
*The product specifications and descriptions herein are provided for information only, are subject to change without notice, and are provided without warranty of any kind, expressed or implied.
The security information and event management (SIEM) market is defined by the customer's need to analyze security event data in real time for internal and external threat management, and to collect, store, analyze and report on log data for regulatory compliance and forensics. The vendors that are included in Gartner's analysis have technologies that have been designed for this purpose, and they actively market and sell these technologies to the security buying center.
McAfee integrates NitroSecurity products into its portfolio, improving its SIEM offering.
Topics : SIEM
McAfee spoke with customers about integrating SIEM with Threat Intelligence and how it helped their effort to mitigate bad actors.
For a technical summary on the McAfee product listed above, please view the product data sheet.
Continuously monitor, identify, investigate, and resolve threats.
For a technical summary on the McAfee product listed above, please view the product data sheet.
Broad adoption of SIEM technology is being driven by the need to detect threats and breaches, as well as by compliance needs. Early breach discovery requires effective user activity, data access and application activity monitoring. Vendors are improving threat intelligence and security analytics. Leading analyst firm Gartner has placed McAfee as a Leader in the Magic Quadrant for Security Information and Event Management.
[Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.]
This report takes a candid look at triggers for considering a new security management platform, walking through each aspect of the decision, and presenting a process to migrate.
With the advent of big data, traditional SIEM solutions that focus only on logging and compliance reporting fall short of the demands of today's enterprises for threat intelligence, correlation, and remediation. McAfee Enterprise Security Manager, the core of the McAfee SIEM solution, is both smart and fast. Its proprietary information management back end, purpose-built for managing big data, offers the critical combination of intelligence and speed.
This solution guide addresses the importance of implementing a strategic security and risk management program focused on prevention and protection, reducing incidents and risks across the enterprise, across every device, and across the entire IT infrastructure.
McAfee Enterprise Security Manager offers the advanced scalability, flexibility, and control you need to protect your customers' business, and grow yours.
The McAfee SIEM solution, Enterprise Security Manager, addresses today's complex compliance challenges by combining an established unified compliance framework with superior abilities to collect, retrieve, and protect the data required to assess and demonstrate compliance in real time. It's tightly integrated log collection, management, analysis, and reporting improves an organization's ability to meet compliance requirements through frameworks, streamlined workflow, and automation.
McAfee spoke with SIEM users and asked them to tell us about their primary issues with SIEM. This brief lists the top five issues along with corresponding customer case studies and use cases.
McAfee enables enterprises to collect, analyze, and preserve security forensic information. With a solution that includes content- and context-aware SIEM, McAfee provides alerts to security events, as well analysis on how the attacked occurred, affected users, and compromised data — so you can better understand the severity of a security breach.
The McAfee solution has two primary components: McAfee ePolicy Orchestrator (McAfee ePO) software and McAfee Enterprise Security Manager, with additional integrations to extend visibility and control across the entire security and compliance management environment.
SANS recently surveyed incident response (IR) teams to get a clearer picture of what they're up against today. The results are in; most organizations lack formalized IR plans, they expressed a need to collect and correlate threat intelligence and SIEM tools are their focus for improving IR capabilities.
This paper will walk you through the entire process — from soup to nuts — of evaluating, selecting, and deploying a SIEM. It offers pragmatic advice on how to get it done based on years working through this process as both consumers and vendors of SIEM technology. The process is not always painless, but we are certain it will help you avoid foundering on bad technology and inter-office politics. You owe it to yourself and your organization to ask the right questions and to get answers. It is time to slay the sacred cow of your substantial SIEM investment, and to figure out your best path forward.
Learn how network attacks can be avoided by utilizing a SIEM platform that combines historical data with real-time data from network sources and security policies to provide context around application usage, user behaviors, and other operations — for better, more accurate reporting.
This is the first part of a six-part series on compliance-driven security. This paper will illustrate how a well-structured security governance program with fully developed and implemented policies, plans, and procedures will strengthen an organization's security posture.
This paper addresses the Big Security Data challenge and highlights the key criteria organizations need to consider for processing security information in light of today's dynamic threat landscape.
In this paper, we explore the subject of continuous compliance versus audit-driven compliance, as well as how an ongoing approach to compliance makes compliance a positive force for securing data and systems.
McAfee EDB data management technology handles all of these SIEM/logging requirements. It is designed, implemented, maintained, and tested by our world-class in-house development team to meet the demanding requirements of SIEM/logging and leverage all of the capabilities of appropriate emerging technologies such as modern operating systems, multicore CPUs, solid state and RAM drives, and large amounts of main memory.
In our last blog, The Evolution of SIEM: Part 1, we briefly touched on the capabilities that make our SIEM solution, McAfee Enterprise Security Manager (ESM), stand out. In this blog, I am going to drill down into the individual capabilities and discuss the benefits of each for you, and your organization. Today's threat environment […]
The post The Evolution of SIEM: Part 2 appeared first on McAfee.
Six months after the fact, Heartbleed continues to make news. Many websites are still vulnerable to the Heartbleed exploit and their stolen data has appeared in the online black market. Lists of vulnerable or unpatched websites have also appeared in the black market, and cybercriminals are taking aim. These challenges were recently covered in McAfee's […]
The post How the NIST Framework will Help with the Latest Threats appeared first on McAfee.
Advanced evasion techniques (AETs) have developed quite a reputation in the information security sector, given their ability to disguise advanced persistent threats (APTs) and stealthily siphon out data. Although AETs have been active security threats for quite some time, several misconceptions remain. In an effort to dig deeper into how these threats are passing through […]
The post "What's Next" Europe Report Provides Insight on Advanced Evasion Techniques appeared first on McAfee.
Cloud computing is a growing trend for organizations of all sizes, and many enterprises are adopting it — but what does this shift to the cloud mean for their security? While the appeal of cloud options is obvious in terms of efficiency and scalability, security issues have triggered some (much deserved) hesitancy among information security professionals. The challenges […]
The post September #SecChat: The Evolution of Cloud & Server Security appeared first on McAfee.
A busy week at the Intel Developer Forum has just come to a close. Over the course of three (somewhat) sunny days in San Francisco, we got a chance to see what the developers, makers and creators of today's technologies have in store for the upcoming year. Just in case you didn't get a chance […]
The post IDF 2014 – Where There's a Developer, There's a Way! appeared first on McAfee.


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This piece is a follow-up to the gluten-free pizza roundup that appeared on the blog yesterday and in the print edition today.
Last month while my family was on vacation, a friend stopped by our home each day to care for both our pets and our garden. When we returned home, I opened the refrigerator to find the squash and zucchini she'd harvested in our absence. What I saw was a shocking sight — one that I realized, to my shame, my friend had seen while at our house. Pizza boxes were wedged in awkward positions jockeying for space in our full-to-bursting refrigerator. They were the remains of the many, many gluten-free pizzas I'd tasted while researching Atlanta's offerings (and ones I'd neglected to toss before heading off for sandy shores).
While I was only able to include four gluten-free pizzas in my original roundup, I thought I would share some of the others I sampled.
This fast-casual pizza cousin to Moe's Southwest Grill offers a tasty gluten-free pizza ($2 upcharge). Here, the crispy 10-inch crust with a toasty richness is made from a mixture of potato, rice and tapioca flours. Employees prepare the pizzas in front of you, donning new gloves and gathering special pans and utensils. They do, however, pull from the same topping stock as they would for traditional pizzas.
Locations in Toco Hills, Cumberland and Woodstock with four additional Atlanta-area locations in development (Buckhead, Kennesaw, Alpharetta, Dunwoody).
Your Pie, located in Roswell, serves a 10-inch gluten-free pizza ($2 upcharge). The crusts here, made of rice flour, tapioca flour and potato
starch, have little flavor. They are thin, like most gluten-free crusts, but the area under the toppings becomes soggy and gummy in the cooking process. The rim has a nice crispiness and a faint olive oil flavor. No matter what I thought of the crusts here, my seven-year-old loved Your Pie and has been begging to go back ever since. Now, whether that's for the love of the pizza or the gelato that comes with kids' meals, I can't be sure.
Your Pie's website states that there could be trace amounts of flour in the toppings since they "work in a flour environment." The manager of the Roswell location says that they make gluten-free pizzas in a separate area with new gloves and separate toppings.
Your Pie in Roswell is one of nine Georgia locations, but the only one in the metro area. 625 W. Crossville Road, Roswell. 770-993-7944.
5 Seasons offers a gluten-free crust for its handful of pizzas on the menu. It's also one of the few places in Atlanta that prepares its own gluten-free crust from scratch. Most places cite fear of cross-contamination when working with wet doughs as the reason for purchasing pre-made gluten-free crusts. At 5 Seasons, there is no upcharge for these 10-11-inch hand-rolled crusts, the restaurant just asks for an additional five-to-ten minutes to prepare it to order.
The crust here is quite different than the traditional cracker-style gluten free crust in hue, color and texture. The dough is made is made from rice flour, buckwheat and molasses, giving it an almost purple tint akin to blue corn tortilla chips. In fact, the texture is somewhat gritty (though not in an unpleasant way), similar to a cornmeal batter.
It seems that 5 Seasons takes great care to avoid cross contamination. When a gluten-free pizza is ordered, employees clear the butcher station, where no flour is used, to use as the prep space. The person working the salad station, who does not work with flour, prepares the pizza. And, finally, it is cooked at the saute station, again to reduce the likelihood of cross contamination.
Locations in West Midtown, Sandy Springs and Alpharetta.
According to the owner of the Alpharetta location of Z Pizza, another fast-casual pizza joint, gluten-free pizza orders make up about 60% of
this pizzeria's business. Z Pizza is also the only place I came across that serves two sizes of gluten-free pizzas (10-inch $2 upcharge, 14-inch $3 upcharge). The crusts are made from a standard mixture of rice and tapioca flour. I found them to be slightly more chewy than crispy, a touch gummy and decidedly sweet.
To avoid cross contamination, Z Pizza uses fresh gloves, separate cooking pans and designated cutters. Yet, they do pull from the same topping containers when dressing the pizzas.
Locations in Alpharetta and Johns Creek.
Daniel Bridges, managing partner at Buckhead Pizza Co., says that many of the restaurant's guests praise it for having "the best gluten-free pizza in Atlanta." Buckhead Pizza Co. outsources the gluten-free crust making to a small bakery in Chicago, which prepares them according to the pizza company's own rice-flour-based recipe.
In the store, the slightly buttery and crispy gluten-free pizzas ($2 upcharge) are prepared by employees trained to wash their hands and arms up to their elbows, change their gloves and use a separate stock of toppings stored in closed containers. The restaurant also repurposes the gluten-free dough (as does Blue Moon Pizza) to create gluten-free bread to accompany appetizer dips and spreads.
Locations in Buckhead, Cobb Galleria, Buford and Cumming.
The 11-inch gluten-free pizzas ($2 upcharge) at Little Azio come in their own tin trays. These trays and designated cutters are used to prevent
cross contamination. Yet, the pizzas are assembled with the same toppings as the traditional pies. The crusts have very little flavor and are undercooked and doughy beneath the toppings while the edges have a nice crunch. I confess I peeled off the toppings, which were very fresh, and pinched off the crispy rim, leaving most of the pale bread behind.
Locations in Norcross, Vinings, East Atlanta, Midtown and Berkeley Heights.
Did I miss any delicious gluten-free pizza spots? I've heard Vingenzo's and DaVinci's have gluten-free pizzas, but I didn't get to them. Anyone tried those?
–by Jenny Turknett, Food and More blog
June 15th, 2012
7:16 am
Are there really that many people out there with gluten allergies? I know I have only ever known one person allergic to gluten, yet everywhere I look, gluten free seems to be the thing.
People must not realize that there is nothing wrong with gluten! Its PROTEIN! And plus, gluten is what makes pizza dough awesome in the first place.
June 15th, 2012
7:51 am
I have a severe allergy to wheat, but not necessarily gluten. Many of my family members have the same sensitivity. It is nice to be able to walk into a restaurant and feel "'normal." I also have a wide friend base of people with Celiac's Disease, which makes them unable to process gluten. I am very thankful that Atlanta has a wide variety of places that allow me to eat normally.
Shane, I would love to eat gluten, but I'm not a big fan of going to the hospital with an epi-pen jabbed in my thigh. This isn't just a crazy that most people go on, it is an actual health concern. I think you would be surprised at the high number of people who cannot – for various reasons – eat food with gluten.
June 15th, 2012
8:06 am
Shane, 1 in 133 people suffer from celiac disease, my 11 year old having just recently been diagnosed. We are sad that he can no longer enjoy his favorite burgers since they don't use gluten free buns, use spices that contain gluten mixed in to the burgers and the issue of cross contamination is a serious one since preparing food in an area that is common to gluten-free and foods that contain gluten can cause serious issues. Having spent 3 days in the children's hospital, we are not anxious for him to get so sick again so we seek out anything that is gluten free. It is not an allergy but an auto-immune disorder where the body sees gluten as a poison and launches an attack. Thank you AJC for this timely coverage! I would love to see more articles like this one for other foods as well to help guide us in our dining decisions.
June 15th, 2012
8:32 am
Yes, not only are there that many people with Celiac, old stats say that 1 of 3 people have it, and 2/3 do not know they have it. That is why they die with colon cancer and the doctors never tell them why. That is why they get diabetes. That is why when they get diabetes and it can't be "controlled" is because the doctors won't make any money off of them if these facts get out. Now 1 out of 133 "caucasians" have Celiac or an allergy to the glutens. I have met more than one African American and/or American Indian with other blood in them that had the disease. Apparently this is a very dominant gene.
Plus it is healthier to eat these non-GMO foods and easier for the body to digest – it doesn't have to work as hard. AND most dieticians I have been to are clueless as to most of this; at least that is what they claim. Go to http://www.clanthompson.com or http://www.celiac.org or ask a severe celiac – they will tell you. Gluten is in most foods – it is main contributory cause of obesity in the USA.
June 15th, 2012
8:35 am
Yes, I also want to thank the AJC for printing this information and life saving article. Please do more research. It's right on the web for everyone to know. Over 60 different major diseases are directly attributable back to Celiac as the "father" of the other 60 diseases – incurable but totally controllable.
June 15th, 2012
8:45 am
Pizzeria Venti, off of Lenox Road. DELISH. Mellow Mushroom makes a reasonably good GF pizza, but I love the one at Venti.
Shane, many people with autoimmune conditions (like me) are sensitive to gluten. That sensitivity in the extreme is celiac, another autoimmune disease, in which the small intestine is actually damaged and inflamed from trying to process gluten.
June 15th, 2012
9:05 am
Yes there are that many people out there who cannot consume gluten products. We have a family member that will get ill even if there is cross-contamination. It's hard for those of us who don't suffer from any sort of food allergies to understand, but I can tell you that celiac disease is very serious.
June 15th, 2012
11:40 am
You missed the single best g-free pizza in town at Camelli's!
June 15th, 2012
11:43 am
Shane – as others have pointed out, it is estimated that 1% of the population is gluten intolerant (i.e. Celiac disease) and 30% are gluten sensitive. That means 1 in 3 people will feel a heck of a lot better after eliminating gluten grains (wheat being the biggie) from their diet. That's a HUGE number of humans, only a minority of which have discovered this for themselves; it won't slow down anytime soon, so the marketplace is catching on. Beyond that, gluten has been linked to a whole host of other illnesses. We're currently at the tip of a very large iceberg, so the "gluten free" business isn't going anywhere….
And, of course, proteins are just a class of molecules. Some are edible, some make you sick, some will kill you. Plants defend themselves against predation by making those who eat them ill (or dead), in many cases through the action of proteins. This is why raw wheat is poisonous. This is also why most plants are inedible for humans (and likely why children are instinctively repulsed by green food . We've figured out how to render wheat edible, but certainly not defenseless.
I agree it is a shame that gluten makes pizza dough awesome. Thankfully, the gluten free substitutes continue to improve.
June 15th, 2012
12:20 pm
What's with the picture of the pizza at the Firestone Wood Fired Pizza and Grill? It looks just like the casserole a friend put in the oven without taking off the plastic covering!
June 15th, 2012
12:51 pm
Jane, I am with you on this – also allergic to the totality of wheat. I learned from my allergist that gluten is only one of the four proteins in wheat, and I developed an allergy to all of them. So you can imagine how restricted my ability to eat out has been for the last few years! I have been SO pleased to see restaurants and food outlets begin catering to the people who have gluten sensitivity, because it has created some bread foods that do not contain wheat.
Would I love to wrap my lips around a good old fashioned pizza crust? You betcha! But since I can't do that now, I'll take the best of what I can find. Now I'm searching for an Atlanta bakery that makes yummy pop-over muffins from rice flour, like those great tasting ones the Jekyll Island Club dining room serves. Jenny, do you know of any?
June 15th, 2012
1:19 pm
BTW, whatever their recipe is, the Jekyll Island Club rice flour muffins are crispy outside, moist and light/airy inside – downright delish. Not dry and dense, clunky bread like all the ones I've found around here. Some bakery could make a fortune if they'd start offering these things!
June 15th, 2012
2:25 pm
Does anyone know whether any restaurants carry pizza crusts that are gluten, egg, and dairy-free? I tried the crust at Uncle Maddio's and still had a reaction, so I am trying to find a new place to eat pizza. It's been two months since I learned of my food restrictions, and I really miss pizza!
June 15th, 2012
5:52 pm
Jane…..maybe you know what has happened over the years? In the 50's 60's 70's we had so few food alergies in this country. Everybody could eat almost everything. No one I ever knew or met had to go for medical treatment after eating anything. Sorry to say I must be way behind the curve. But percentages say, I should have met someone over the years! I have been to all 50 states and 9 forgien countries. Help me here!!!!!!!!!!!!!!
June 15th, 2012
5:57 pm
Thanks for this list of Pizza places. Other than Pizza restaurants? Would love a cheeseburger and some pasta!
June 15th, 2012
7:11 pm
[...] Additional gluten-free pizza options in Atlanta [...]
June 15th, 2012
9:51 pm
Shane, Should people with gluten allergies wear a sign on their shirt? You have very few facts and a lot of opinions. Be grateful you don't have a gluten allergy or gluten sensitivity.
June 15th, 2012
10:35 pm
Osteria in Virginia Highland now carries a GF crust. $2 up charge and made in house.
June 16th, 2012
3:45 am
[...] Copyright 2012, blogs.ajc.com [...]
June 16th, 2012
10:35 am
Shane, pick up a book titled, "Wheat Belly" by William Davis. The insight gain from this book, plus exercise, has helped my wife and I lose about 40lbs, collectively, and feel great! I'm not Celiac , nor allergic/intolerant, but I have benefited from avoiding wheat gluten.
June 16th, 2012
12:34 pm
Thank you so much, Jenny, for doing the research and for writing this article! If is so encouraging to see food critics cover GF foods and to shine a spotlight on the wonderful restaurants working hard to serve the many GF diners in metro Atlanta! I have celiac disease that also includes the skin form, or DH, and cross contamination is a huge issue for me. I miss eating out with friends and family but thanks to some great GF food bloggers in metro Atlanta and pieces like this one, I can find places that welcome me and go the extra mile to provide delicious and as safe as possible GF food along with non-GF food for everyone else. Thank you!
June 16th, 2012
4:14 pm
Shane, I was diagnosed with celiac disease last fall. I was amazed at how much better I felt after just one week eating a gluten free diet – I'm very thankful to see more gluten free options being offered.
June 17th, 2012
9:42 am
I am amazed at all the #Gluten traffic I get on Twitter — it's a big deal to the folks that are aware they have a problem – any restaurant needs to note their gluten free items in my opinion – good job Mr. Kessler and AJC -
June 17th, 2012
11:10 am
To Shane: My wife is gluten sensitive and its not fun. Add in her being lactose intolerant and it makes it difficult for us to eat out at all.
June 17th, 2012
11:29 am
Surprised the author didn't at least mention Domino's pizza since every single one now offers a gluten free crust. Also mellow mushroom.
June 17th, 2012
1:47 pm
One of the reasons that gluten sensitivity may be on the rise is the increased gluten content of genetically modified wheat — the wheat we eat today contains 500 times the amount of gluten that non-GMO wheat contains.
June 17th, 2012
7:16 pm
Celiac Disease is a life threatening condition for which the only known treatment is absolute avoidance of gluten. It is estimated that 1 in 100 people have Celiac's which is an immune system reaction to gluten.
Up to 15% might have a mild intolerance or stronger per Research according to glutenfreenetwork.com. This is not a allergy, which is a response from your immune system. This is an intolerance, which is a reaction from your digestive system, but that does not mean it is less serious.
It is very real. If I eat wheat, my stomach cramps so tight that it feels like I was punched in the stomach. It takes 3-4 days for my digestive system to recover.
Adapting to a gluten free lifestyle can be difficult. That is why I help people make their life transitions through Coaching – Counts . com. With creativity you can adapt recipes and live a full life without gluten. Just takes a little more effort.
Claire Count
Pres Coaching-Counts.com
Don't give it up , switch it up.
June 18th, 2012
6:42 am
Schreza…………………thanks for the info on the increase of genetically produced wheat products. That explains alot.
June 18th, 2012
1:46 pm
There is no GMO wheat on the market anywhere in the world today.
June 19th, 2012
4:30 am
"Plus it is healthier to eat these non-GMO foods and easier for the body to digest – it doesn't have to work as hard."
Yeah right. GMO are really bad for the health, that's why this big GMO Monsanto company was the worst company in 2011 according to this article (http://articles.mercola.com/sites/articles/archive/2012/01/31/monsanto-worst-company-of-2011.aspx).
June 20th, 2012
12:17 am
I own Magnolia Manor Sweets Bakery in Sharpsburg, and we have our pizzas for sale in two retail locations, Sugar Magnolia Market in Newnan and Farmers Fresh CSA in Carrolton. I have a dedicated Gluten free facility, and bake all naturally and mostly organic. Our pizzas are 9″ and packaged two to a package. They are just the naked pies so you can make them how you want! You can contact me through our website http://www.magnoliamanorsweets.com or call one of the stores for availability.
June 21st, 2012
9:25 pm
[...] Additional gluten-free pizza options in Atlanta June 22, 2012 by admin Tweet Additional gluten-free pizza options in Atlanta This piece is a follow-up to the gluten-free pizza roundup that appeared on the blog yesterday and in the print edition today. Last month while my family was. Read more on Atlanta Journal Constitution (blog) [...]
June 21st, 2012
11:20 pm
Thanks Jenny, we work hard to educate people, especially visitors to the area that they have GF food options in the Atlanta area. Our bakery custom bakes for people with food allergies so we take this seriously, and of course, we love to eat! We often deliver to the airport when visitors fly in. We expanded our outreach by starting a local farmers market. Come on down for a visit!

subset: commoncrawl


text:
Turn money management into a game
You can use game design principles to cut spending and build wealth. It's the 'gamification' of personal finance.
This post comes from J.D. Roth at partner blog Get Rich Slowly.
I am a gamer. All my life, I've been a fan of games of all types. I've played Dungeons and Dragons since I was in the third grade. During 2000 and 2001, Kris and I had marathon bridge sessions with another couple at least once a week. I used to host monthly game nights during which my friends and I played the latest and greatest European board games. For a while, I played in chess tournaments. And, of course, I've long been addicted to video games.
No surprise then that I was happy to participate in a recent panel discussion at the IGDA summit, a conference for game developers. The topic? Practical personal finance. The other members of this panel were Courtney Stanton (of Subatomic Studios) and Mike Sellers (of Kabam). The panel was moderated by Dan Scherlis.
I didn't know the other panel members before the conference started. Because we'd never met, we spent a couple of hours beforehand preparing our talking points. I was impressed by how my colleagues tied everything back to gaming. Over and over again, they talked about the "gamification of personal finance."
The gamification of personal finance
The "gamification of personal finance" simply means using money management techniques based on game design principles.
Think of your favorite games -- especially video games. What makes them fun? What makes you want to play again? How can these elements be extracted from game design and used in real life? In this case, for promoting smart personal finance?
At first, I thought the idea sounded silly. But I quickly realized that I've been subconsciously using game design principles to help me cut spending, boost income, get out of debt, and build wealth. My own approach to money management has been game-based for the past seven years, but I hadn't realized it until now.
During our discussion, Stanton talked about her own experience with debt repayment, about how it felt like she would "level up" whenever she paid off a credit card or a loan. This kept her motivated to continue.
Dan Scherlis, our moderator, made an interesting point. Even as we're trying to "win" the game of personal finance, there are folks on the other side trying to beat us. The credit card companies, the transnational corporations, and even the professionals who are supposed to be on your side -- they're all trying to game you, trying to get as much money out of you as they can. (This is exactly why I'm always saying that nobody cares more about your money than you do.)
Playing the game
But how does this all relate to real life? For me, the answer is obvious. I can see clearly how using the debt snowball gave me game-like feedback about my progress, encouraging me to accelerate my debt reduction. I felt like I was winning.
The same is true with boosting my income. For years, it was a fun challenge to see if I could earn more money this month than last month (or more money this quarter than last quarter). For me, my income was my "score," and bringing in more money was my way of racking up the points.
I'm not sure what sort of game I'm playing now. It's as if I've reached the final stages of the game, and my goal is simply to maintain the position I've established. And I'm trying to find a way to do this while still having fun.
For you, making a game out of money management might mean something else. For instance, you might:
- Budget $100 for groceries every week. If you spend just $85, then the remaining $15 is yours to spend on whatever you'd like.
- Make a game out of spending as little as possible on dining out. How far can you stretch your restaurant dollar? What coupons and discounts can you find? Where are the cheap eats that taste good?
- Make a paper chain representing your debt. Each time you pay off a certain amount ($100?), cut a link of the chain.
- Give yourself a "bonus" for completing a "stage." Maybe you're trying to pay off debt. Each time you eliminate one debt, you might give yourself some sort of small reward as a "power-up."
Actually, a lot of the money hacks I've shared over the past five years are nothing more than methods for making money management into a game. Some examples:
- Pay yourself first with a personalized coupon booklet.
- Use envelope budgeting to control your spending.
- Use a monthly "checkbook sweep" to force yourself to save.
- Use a personal escrow account to budget for non-monthly expenses.
- Learn to use unit pricing to get the best deal on groceries.
- Use the drugstore game and/or "extreme couponing" to slash your spending on household items.
- Use "reverse credit" to stick to a budget.
To some extent, Mint uses game-design principles. It's a money management tool that provides game-like feedback about your progress. And tools like Bobber (a targeted-savings app) explicitly try to make money management a game.
Note: In some ways, gamification is just taking advantage of feedback loops. With personal finance, that means getting constant data about your financial situation, looking for ways to improve that situation, and then pushing yourself to make changes. Once the changes are made, you look at the results and repeat the process.
Game over
The gamificiation of personal finance isn't new. For decades, people have been trying to use game principles to encourage others to save. In 2008, for instance, I shared some financial advice my father gave me when I was only 19. He wrote:
You used to play lots of video games. One of them had a rocket and you had an energy level you had to worry about. Energy was used to travel and to shoot at the enemy. Life is a big video game. In our society money is the energy. There are certain things you have to or should do, so make sure you don't shoot so many asteroids just for the fun of it that you deplete your energy level and someone has to flash on your screen -- GAME OVER.
Dad was decades ahead of his time!
But what I want to know today is: Have you ever thought of money management as a game? What rules did you set for yourself? How did you keep score? (Money in the bank seems like an obvious way to keep score, but some people might use net worth, and others might use investment returns, etc.) I'd love to hear how other people turn personal finance into a game.
More on Get Rich Slowly and MSN Money:
Totally makes sense. The money management part is why monopoly became so popular. Now if only there were more financial types games available that are more realistic. The tycoon games are not realistic and neither is the CashFlow game from Kiyosaki.
Addressing issues like credit card balances/interest rates, different loans (auto, home), using insurance to provide coverage (this could toss in some hazards that affect certain assets).
Kids could be playing these types of more sophisticated money management games could have a tremendous affect and fill in the learning gap not provided from education.
Definitely a good positive idea.
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Take one or more kiln-dried natural red cedar planks. Spray an image with semi-translucent, UV-protected ink into the planks. What do you have? Unforgettable, distinctive, rustic, Sailboat Deck Nautical Wall Art by Gizaun Art™. This technique melds and showcases the semi-translucent photo image with the visible texture, grain and knots of a natural wood canvas.
Our Sailboat Deck Nautical Wall Art features a calming photo image of a teak-laden sailboat deck with foresail and pointed bow cruising over calm waters toward a bright yellow and orange sky. Peeking through the semi-translucent nautical image are the natural grain and knots of three red cedar panels into which the image is inked – creating an uncommon piece of art that blends high-tech imagery with elements of nature. Due to the inherent unique qualities of natural wood, each wall hanging is totally one-of-a-kind.
Developed and created in the USA, Gizaun (pronounced GEE-Zawn) process art accents any indoor or outdoor living space. Hung outside on a deck, porch or wall, each decorative wall hanging will withstand wind, rain, snow and sun. The art becomes more beautiful and unique over time as the wood patinas and ages. When hung inside, the rustic appeal, warmth and texture of the natural wood enhances any room.
The process begins with specially milled Western Red Cedar that is kiln-dried to prevent cracking and warping. Using a patent-pending process, semi-translucent, all-weather, UV-safe full-color inks are sprayed directly into the wood grain. The result is an unusual interplay of texture, color and pattern between the natural wood and the photo image. Each paneled art hanging is crafted by artisans in Portland, Oregon, and is recyclable.
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Model, DJ, and rock star spawn Alexandra Richards turns 23 today. Former New Jersey Senator Bill Bradley is turning 66. Famed television exec (and NBC Sports chairman) Dick Ebersol is 62. Richard Haass, the president of the Council on Foreign Relations, is 58. Alexis Arquette is turning 40. The rapper Soulja Boy is 19. Sally Struthers is turning 61. Garfield creator Jim Davis turns 64. Venezuelan President Hugo Chávez is 55. And Elizabeth Berkley, she of Saved by the Bell and Showgirls fame, celebrates her 37th birthday today.
Happy Birthday


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Frosty Font by Fontalicious
A chilly cold font for a superhot fox.
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Font Bros is your source for unique display fonts! Browse our library of over 5,000 one-of-a-kind typefaces to find the perfect font you've been looking for! Check out the Design Kits or take a look at our Merchandise.
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RE "Cyclists say their rights go unrecognized" by Martine Powers (Page A1, Feb. 15): So, what is the real source of disregard that Boston-area bicyclists experience? Motorists hate bicyclists. This is the conclusion I must come to, based on my own experiences.
I imagine many motorists think: Traffic is frustrating enough without having to deal with slow, annoying bicyclists. So, if a few bicyclists get hurt, well, it serves them right for slowing us down.


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Producer prices in March 2009
April 15, 2009
The Producer Price Index for Finished Goods decreased 1.2 percent in March, seasonally adjusted. This decline followed a 0.1-percent advance in February and a 0.8-percent increase in January.
Among finished goods, the index for energy goods turned down 5.5 percent in March after rising 1.3 percent in the preceding month. Prices for finished consumer goods less foods and energy inched up 0.1 percent following a 0.4-percent advance in February.
The capital equipment index fell 0.2 percent in March after moving up 0.1 percent in the prior month. By contrast, partially offsetting the downturn in finished goods prices, the decline in the index for finished consumer foods slowed to 0.7 percent in March from 1.6 percent in the previous month.
Excluding foods and energy, finished goods prices were unchanged in March following a 0.2-percent rise in February.
During the first quarter of 2009, the finished goods index declined at a 0.9-percent seasonally adjusted annual rate (SAAR), after falling at a 24.9-percent SAAR during the fourth quarter of 2008. This slower rate of decrease can be traced to prices for finished energy goods, which moved down at a 2.7-percent SAAR for the 3 months ended in March after dropping at a 76.7-percent SAAR for the 3 months ended in December.
From March 2008 to March 2009, prices for finished goods fell 3.5 percent, as shown in the chart.
These data are from the BLS Producer Price Index program. To learn more, see "Producer Price Indexes — March 2009" (PDF) (HTML), news release USDL 09-0387. All producer price indexes are routinely subject to revision once, 4 months after original publication, to reflect the availability of late reports and corrections by respondents.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Producer prices in March 2009 on the Internet at http://www.bls.gov/opub/ted/2009/apr/wk2/art03.htm (visited September 18, 2014).
Spotlight on Statistics: Productivity
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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Solar Dancing Flower - Purple
These fun 4 inch tall solar flowers make a great desktop novelty. The leaves move up and down and the flower sways side to side when exposed to sunlight or artificial light. Other assorted styles available - sold seperately.
Ages 4+
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[Video] Lunar eclipse over Sequim
This photo of Monday night's lunar eclipse was taken about 20 minutes after it started. A short while later clouds obscured the view. The last Winter Solstice full lunar eclipse was in 1638, 372 years ago. The next lunar eclipse falling on the Winter Solstice will be in 2094. The next lunar eclipse in North America will be in 2014. Photo was taken with a Nikon D90, 200mm lens, 1/80th of a second, f22. Sequim Gazette photo and video clip by Jay Cline.
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Alexander Frederick Douglas-Home, Baron Home of the Hirsel
by Rex Coleman, for Baron Studios
5 x 4 inch film negative, 30 November 1962
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They include French vanilla, one of the Original 31, and its demise at the end of the month has prompted complaints.
Say it ain't so: Baskin-Robbins, in celebration of its 65th year, is eliminating five ice cream flavors from the menu, including French vanilla, causing great angst among that flavor's many fans. What kind of celebration is that?
Change is inevitable, but so is resistance to change. And those who love French vanilla are very vocal. "B/R should be ashamed of even considering this. Vanilla (French or otherwise) is the best to put things on, in my opinion," wrote one protester on the Save Baskin-Robbins' French Vanilla from the Deep Freeze page at Facebook. Another fan called the move "evil."
Fruits and veggies go to waste every year. Tap into this source of healthy sustenance.
There's more than one way to get gratis berries, fruits and vegetables, though. It's called "gleaning," the harvesting of unwanted crops, and there are several ways to go about it.
Celebrate lasagna, cheesecake, sweet tea and guys named Dave with deals from restaurants.
This is a good weekend to go to the movies, especially if you're expecting Tropical Storm Bonnie to dump rain on you all weekend -- or if it's just too hot to go outside.
At AMC Theatres, you can get any size popcorn or any size drink for $1 on Sunday, July 25, with this coupon. Or get both. You have to provide your e-mail address to get the coupon.
If you have a Visa Signature card, you can get two tickets for the price of one to see the new movie "Salt," starring Angelina Jolie, which opens today, July 23. The deal is good through Aug. 18.
Don't forget that you can take your kids to free and cheap movies all summer.
Am I the only dummy in the room who had no idea kids with cell phones love to text so much?
This guest post comes from Len Penzo at Len Penzo dot Com.
We held out for as long as we could. We really did.
Despite an intense and relentless lobbying effort from my son, the Honeybee and I stayed strong and denied his repeated requests for a cell phone.
And, boy, were there a lot of requests.
I can't remember the exact day he first requested his own cell phone, but I am quite certain the first letters he learned in school weren't A-B-C. They were A-T-(T).
When Matthew turned 12 last year, we decided it was finally time to grant his wish.
The textbook business, which ought to be an altruistic endeavor, has turned into industrial exploitation of a captive audience.
This guest post comes from "vh" at Funny about Money.
One of next fall's English 101 students e-mailed the other day. This is a kid who was in one of my other courses and decided to take the upcoming class because she liked my style (read: she got a good grade). She asked how much we will be using the textbook and then said she went to the bookstore and found it was selling for $150.
She's not eligible for financial aid this semester and says she doesn't think she can afford that much. She's doing the best she can, she adds, to stay out of debt.
A hundred and fifty bucks. For a freshman comp book. That, my friends, is a $30 paperback.
The benefit estimates in your statement can help you plan for retirement.
This post comes from partner blog The Dough Roller.
I just received my Social Security statement in the mail and thought it would be a good time to write about this important document. Mailed once a year to workers and former workers 25 and older, a Social Security statement provides information that can help you plan for retirement.
It also provides information about disability and death benefits that many don't realize they have through Social Security.
A quick tour
The Social Security statement provides two important pieces of information.
Websites connect lenders and borrowers of clothes, tools and more.
This Deal of the Day comes from Kelli B. Grant at partner site SmartMoney.
Borrowing a cup of sugar -- or anything else, for that matter -- from a neighbor has gone high-tech.
Consumer confidence this month hit its lowest point in nearly a year, and people are still spending cautiously. June retail sales were 0.5% lower than May, but 3.3% higher than last year, according to the National Retail Federation. A growing number of free websites are capitalizing on that spending reluctance by encouraging people to borrow what they need instead of buy it.
Space, transportation and access to fresh food are among the challenges urbanites face.
This guest post comes from Kris at Cheap Healthy Good.
Since 2000, I've lived in seven apartments in three different boroughs of New York City. The rentals have ranged from a spacious three-bedroom in a riverside high-rise to a microscopic box adjacent to a dive bar. While I've truly liked almost every place, each has presented some interesting obstacles for grocery shopping.
Since a lot of big city apartment-dwellers have probably met with the same hurdles, I figure I'd address a few and provide alternatives.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
Buy a new refrigerator, and you could see your utility bills drop because of new energy-efficiency standards.
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Find the highest rates on savings accounts, CDs and money market accounts.
- Are you saving enough for retirement?
- Find a great credit card
- Car insurance premiums by model
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A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'


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Funeral Services Planned for Berta Olivarez Filut06 September 2014Read More...
Students return to school29 August 2014Read More...
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Current Conditions:
Fair, 75 F
Wed - Mostly Sunny. High: 94 Low: 77
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Fri - Thunderstorms. High: 89 Low: 71
Sat - Partly Cloudy. High: 85 Low: 66
Sun - Mostly Sunny. High: 88 Low: 71
Full Forecast at Yahoo! Weather
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MISSION – Kops for Kids is now accepting new toys that will be donated to needy families just before Christmas. Collection boxes are now located at many area Winter Texan parks and schools.
Within the next week or two, McGruff, Santa Claus, and Mission Police officers will be visiting local stores collecting toys and giving residents a chance to take a picture with Santa.
The Kops for Kids Toy Drive assists low-income families in Mission and neighboring cities to the west including Sullivan City and Peñitas. Families have to fill out an application to receive the gifts.
Santa Claus will pass out the toys to children on Friday, December 21 at the Mission Police Department. Over 30 families were able to receive gifts for their children during last year's event.
For more information, call 458-9046.
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Analysis on Structural Benefit of Jilin Cultural and Creative Industries
Cultural Creative Industry is a new industry in 21 century, and is also a new growth point in the local economic development. In recent years, Cultural Creative Industry in Jilin Province has made remarkable development and has greatly promoted the local economic growth. The paper estimates the structural benefit of Cultural Creative Industry in Jilin Province by using the structural deviation and comparable labor productivity index, and researches the allocation proportion and correlations of the elements of labor and capital in the industry, accordingly unearth the problems existed in the internal structure of the industry and provide counter planes to the coordinated growth of the industry. Key words: Cultural Creative Industry; Structural Benefit; Structural Deviation; Comparative Labor Productivity
Cultural Creative Industry; Structural Benefit; Structural Deviation; Comparative Labor Productivity
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DOI: http://dx.doi.org/10.3968%2Fj.mse.1913035X20100404.007
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Tiki Magazine
Tiki Magazine is back in print and digital editions are on the way. We're continuing with Nick's Vision, and will also expand to include Mid-century, more tiki, and more of the things we all love to collect, visit, and read about! The name has changed slightly to "Tiki Magazine & More". Also, all 22 back issues of Tiki Magazine will be available in digital format and downloadable from Google and ITunes soon. We'll be publishing 4 issues a year with the goal of expanding to 6 a year. Again thank you for all the support.
New website under construction now!


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Book Club Kits
Sense and Sensibility
by Austen, Jane
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1. What's the significance of Austen's title? What's the difference between the words 'sense' and 'sensibility' & and which sister represents which word? Which matters more in choosing a mate, or are they equally important?
2. Does Austen seem to favor one sister over the other?
3. Are Elinor and Marianne merely 'types' of representatives of 'sense and sensibility' or do they stand on their own as complex, fully developed human beings?
4. Do we respond to her characters differently now than her contemporaries might have?
5. How does Fanny Dashwood make it clear her brother Edward is not for Elinor? What does this suggest about the role of marriage for the upper classes?
6. Are Edward's intentions to Elinor fair and honorable? Do you admire him? Is he overly passive, honorable, loyal& or what?
7. What do the sisters' descriptions of and reactions to Edward tell us about each of them and about their ideas of love?
8. What are Marianne's objections to Colonel Brandon?
9. Do you sometimes find yourself sympathetic to John Willoughby despite his abandonment of Marianne? Does Austen plant clues to Willoughby's character early on?
10. In Austen's novel what social constraints are placed on choosing a mate and for what reasons? Do similar restraints exist today?


text: (WNFL)- UW Stevens Point and Saint Norbert of De Pere will open their NCAA Division-Three men's hockey tournament runs tomorrow night. The Green Knights, champions of the NCHA, will play Adrian of Michigan in the quarter-finals. UW Stevens Point, an at-large pick in the Field-of-11, will host Saint Thomas of Saint Paul. Tomorrow's winners will advance to the men's D-Three Frozen Four next Friday and Saturday in Lewiston Maine. In the Division-Three women's tournament, only eight teams were selected -- two of them from Wisconsin. Stevens Point plays its quarter-final tonight at home against Saint Thomas. UW River Falls entertains Lake Forest tomorrow afternoon. The winners move on to the women's Frozen Four next weekend.


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Openings on the Villanova University Ethics Bowl Team Each year the Villanova Ethics Program sponsors one team consisting of five undergraduate students to prepare, travel, and compete in the Intercollegiate Ethics Bowl. The competition begins with ten regional matches in the fall that feed the national competition, held in the early spring.
The Ethics Bowl competition is presented annually by the Association for Practical and Professional Ethics as a method of involving students in deliberating and debate on difficult ethical cases and controversies. The national competition, which draws together the top 32 teams from the regional rounds, is held in conjunction with the annual meeting of the Association for Practical and Professional Ethics.
At the regional competition, the participating teams compete in three rounds. The teams are given a dozen or more complex ethical and policy cases to study in advance of the competition, though they are not told what questions they will be asked about any case. For each match, one team is required to present a view on a case and then respond to questions from the opposing team and judges. Then the roles are reversed, and the opposing team presents an argument surrounding a different case, after which they respond to questions. Teams are evaluated at the end of each match for the quality of their arguments, responses, and counter-responses. The top three to four teams advance to the national competition.
At the national competition, the 32 participating teams compete in three rounds in the morning, using a format similar to the regional competitions. The top eight teams advance to the quarterfinals, which are held in the evening.
Interested students should send their name, year, major (or possible major), along with a statement of interest by email, to Dr. Mark Wilson.
Applicants are encouraged to include information about their coursework and background in ethics, along with any questions about the Ethics Bowl team that they may have. Team members meet twice a week from around late September until the November regional event. If they are successful in being selected to participate in the national competition, they will again meet twice a week from the beginning of second semester until the national competition.
Here are some of our past and upcoming events. Visit this section often to keep up-to-date on all of the exciting things happening in the program.
Annual Undergraduate Ethics Symposium
Annual Praxis Award in Professional Ethics
Learn more about the Catherine of Siena Ethics Teaching Fellowship


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Courses for Communication in the Workplace:
The Art of Effective Communication
Communicating with Men and Women
Communication Skills for Emerging Leaders
Getting the Most out of Your PowerPoint Presentation
How to Develop and Deliver Dynamic Presentations
Supervisor Communication Skills
Writing Effective Memos/Emails
How to Develop and Deliver Dynamic Presentations
Session Format:
One 4-Hour Session
In today's organizations, people are often called upon to make oral presentations. This training session develops skills necessary for preparing an effective presentation since detailed preparation is the key to communicating your message.
The participant will learn to: (1) incorporate the four "musts" for a presentation high in audience appeal (2) complete an "Audience Profile" that gives you necessary information and insights to tailor your message to the audience, (3) define the objective of your presentation to keep your efforts on target , (4) keep the interest and the attention of an audience with a well-paced presentation that meets the demands of today's listener and, (5) select the most suitable forms of audiovisual support and develop well-designed audiovisual aids for optimum impact.
Content Outline
- Determining your audience
- Composing the message
- Creating audiovisual aids
- Summarizing the presentation
Who Should Attend
This seminar is intended for managers, supervisors, and team members who are called upon to make oral presentations.


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It's no secret that little girls love hair accessories, so why not let them make their own. Here, we've found 15 super cute DIY hair accessories .... some of them your child can even help you make!
Make sure your little mermaid is ready for her next under-the-sea adventure by dressing her up in Ariel's hair flair!
Make your very own custom hair accessories in less than five minutes!
Little Girls Love Big Bows. They'll need your help with the gluing and the sewing, but it's worth it because these are adorable!
This no-sew headband takes about five minutes to make.
Photo credit: Red Ted Art
So what if your baby doesn't have that much hair? We found the perfect DIY clip to catch all those baby wisps!
Photo credit: Dukes and Duchesses
Kids can make these easy duct tape barettes in minutes!
Get creative turning wooden chopsticks into unique hair ornaments; another great craft from Spoonful.com.
Craft these colorful ribbons and roses hair ties, and you can tie your hair into a beautiful braid, just like Rapunzel's!
Made from felt and rosy glitter, this lotus blossom hair comb is as pretty as the one Mulan wore, and it's guaranteed never to wilt.
Inspired by Evanora's signature hairpiece, these whimsical barrettes are a snap to make and fun to wear.
These simple, message-bearing barrettes make an adorably useful gift for girls.
Your little sweeties can make a heart-felt statement with this lovely easy-to-make accessory!
Redo boring barrettes with bows, beads and little trinkets
There's just no denying it: 1980s fashions are back in style. Embrace the trend with this classic ribbon barrette.
Get in on the Pook-a-Looz craze with these adorable shrink charms. Bake them in the oven and then turn them into jewelry, barrettes, and more!
15 DIY Hair Accessories
Ariel's Hair Flair
How to Make a Snazzy Custom Painted Bobby Pin
Big Cheer Bow
No-Sew Alice Headband
Baby Wisp Barette
How to Make a Duct Tape Barette
Chopstick Hair Ornaments
Ribbons and Roses Hair Ties
Lotus Blossom Hair Comb
Evanora-Inspired Feather Hair Flair
Clip Hearts
Lovely Details
Recycled Barrettes
Weave a Barrette
Pook-a-Looz Shrink Charms
You might also like


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16 U.S. Code § 470h–3 - Lease or exchange of historic property
(a) Authorization; consultation with Council
Notwithstanding any other provision of law, any Federal agency after consultation with the Council, shall, to the extent practicable, establish and implement alternatives for historic properties, including adaptive use, that are not needed for current or projected agency purposes, and may lease an historic property owned by the agency to any person or organization, or exchange any property owned by the agency with comparable historic property, if the agency head determines that the lease or exchange will adequately insure the preservation of the historic property.
(b) Proceeds of lease for administration, etc., of property; deposit of surplus proceeds into Treasury
The proceeds of any lease under subsection (a) of this section may, notwithstanding any other provision of law, be retained by the agency entering into such lease and used to defray the costs of administration, maintenance, repair, and related expenses incurred by the agency with respect to such property or other properties which are on the National Register which are owned by, or are under the jurisdiction or control of, such agency. Any surplus proceeds from such leases shall be deposited into the Treasury of the United States at the end of the second fiscal year following the fiscal year in which such proceeds were received.
(c) Contracts for management of historic property
The head of any Federal agency having responsibility for the management of any historic property may, after consultation with the Advisory Council on Historic Preservation, enter into contracts for the management of such property. Any such contract shall contain such terms and conditions as the head of such agency deems necessary or appropriate to protect the interests of the United States and insure adequate preservation of the historic property.
Source(Pub. L. 89–665, title I, § 111, as added Pub. L. 96–515, title II, § 207,Dec. 12, 1980, 94 Stat. 2997; amended Pub. L. 102–575, title XL, § 4013,Oct. 30, 1992, 106 Stat. 4761.)
1992—Subsec. (a). Pub. L. 102–575substituted "after consultation with the Council, shall, to the extent practicable, establish and implement alternatives for historic properties, including adaptive use, that are not needed for current or projected agency purposes, and may" for "may, after consultation with the Advisory Council on Historic Preservation,".
Historic Lease Process Simplification
Pub. L. 105–391, title VIII, § 802(b),Nov. 13, 1998, 112 Stat. 3523, provided that: "The Secretary is directed to simplify, to the maximum extent possible, the leasing process for historic properties with the goal of leasing available structures in a timely manner."
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Whatever you have in mind, whether it be home ownership, a new car, a boat, furthering your education or consolidating your debt, Citizens First Bank is ready to give you hand. We are a full-service lender and can offer you competitive rates on a wide range of loan products, such as:
To find out more, stop in and talk with a lender at any of our branches.
Rates quoted are intended to serve as guidelines. Final rate determined by property type, term, downpayment and financing strength.


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Search the site
Helpful tools
- Product Product
- Details Details
- Measurements Measurements
- Read reviews Read reviews
- Write a review Write a review
Pretty Knitted Dress31787
Charming nostalgic style and our softest yarn. This has all the wonderful stretch of knitwear and is ultra easy on. Beautifully finished with stunning ribbing and touch of sparkle at the collar.
- Keyhole and button fastening at back neck
- 42% cotton 31% viscose 22% polyamide 5% cashmere
- Machine washable
- Imported
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Garment Measurement (inches)
REVIEW SNAPSHOT®by PowerReviews
- Great design (4)
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Reviewed by 4 customers
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- Church
This dress is just beautiful in person. I have a very difficult time finding nice dresses for my daughter. There is so much glitter and distaste out there. THANK YOU Boden for continuing to make simple, elegant, tasteful clothing for children!
- Sizing:
- Feels true to size
- Comfortable
- Durable
- Great Design
Best Uses
- Night Out
- Special Occasions
This dress is darling and I love the touch of sparkle (I bought the blue one)
My daughter had a similar Boden woven dress when she was 1 year old so I had to get this for her now that she's almost 3. : )
- Age:
- 25-34 yrs old
- Sizing:
- Feels true to size
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- Style Driven
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Best Uses
- Casual Wear
- Special Occasions
I bought this dress for my six year old grand-daughter, who will only wear things that are comfortable. She wore it to church on a cool fall day and she looked adorable. I have bought many Boden dresses for her, but this is one of my favorites. I bought the purple, which has a silver/glittery trim (looks off-white in the photo) and she wore it with silver shoes.
- Age:
- 55-64 yrs old
- Sizing:
- Feels true to size
- Comfort vs Style:
- Style Driven
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- Washes Well
- Well Made
Best Uses
- Special Occasions
My four-year old wore this to many special occasions.
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- Feels true to size
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Boogie Fever has closed it's doors. We will be opening Twist Night Club in July once our renovations are completed. In July we will also be opening up The Twisted Tavern in the front of our building. We are very excited to bring two gorgeous new establishments to Ferndale all under one roof.
Check for updates on this page and when our new website and facebook pages are completed we will redirect you to them. Thank you for your continued patience and support.
Welcome to Boogie Fever where we take you back in time to an era when platform shoes, butterfly collars and bell bottoms were all the rage. Boogie Fever salutes the funky 70′s and flashes back to the 80′s. One of Metro Detroit's largest nightclubs, Boogie Fever features cutting-edge sound, video and lighting with a 'Saturday Night Fever' lighted dance floor.
Friday and Saturday nights there is no cover charge before 9pm. We give everyone the same opportunity to avoid the cover charge before 9pm and we do not make exceptions to this rule even if you have a party bus or limo coming. Please make arrangements to come early if you want your group to get in for free. After 9pm the cover charge is $3 on Friday and $7 on Saturday.
Boogie Fever offers a full menu with all of your favorites. Pizza, burgers and too many appetizers to name them all. Take a look at our menu conveniently displayed online. Our kitchen stays open Friday and Saturday night until 1:00am.
We do accept reservations for both Friday and Saturday nights. Reservations are limited and fill up weeks in advance so please try and plan ahead. If you are planning on making a reservation request it is recommended that you submit your request online as we have very limited office hours and our online reservation requests are checked daily.


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Skip to content
and found 4 items
Liam Marsden,
15 June 2014 13:44
Marc Marquez continued his amazing start to the 2014 season, picking up his seventh win from seven races at the Catalunya circuit today under stormy skies. Marquez had to fight hard for victory as the factory Yamaha duo of Jorge Lorenzo and Valentino Rossi led from the the lights. Rossi moved past his team-mate to take the lead, where he was able ...
Liam Marsden,
01 June 2014 13:44
Marc Marquez was forced to fight hard with fellow Spaniard Jorge Lorenzo to make it six wins from six races in 2014 at Mugello. Lorenzo and Marquez moved to the front of the pack early on in the race and pulled away from the rest of the field, although Marquez looked unable to make a move on Lorenzo. Marquez left it late ...
Liam Marsden,
23 March 2014 18:03
Marc VDS Racing rider Esteve Rabat overcame a poor start from pole position to take victory in his first race with the VDS team. In a repeat of last year Takaaki Nakagami took to the front of the pack to lead for most of the race, with Mika Kallio pressuring him. Rabat picked his way through the order to pass ...
Liam Marsden,
20 October 2013 12:25
Pol Espargaro took full advantage of Scott Redding's absence from the Phillip Island Moto2 race by taking a full 25 points to retake the championship lead by 16 points. The podium was completed by Thomas Luthi and Jordi Torres in second and third respectively. Espargaro's team-mate and championship rival Esteve Rabat could only managed eighth place. Brits Danny Kent and ...
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8 Bit Theater
The popular web comic, in animated form!
Tomorrow's Nobodies
Follow the lives of these wild teens as they do crazy things!
A Small Favor
You're an alien assassin with some work to do!
"The Matrix Still Has You" is the follow up to the original collection. Again, it features a number of different Flash artist coming together to make a series of short movies based on the Matrix!
Unlike the first however, it's a little more focused and most of them aren't action based.
First we have "Agent Training" by Cycon, is maker of some underground hits here on NG. He's part of the DCK crew, and this is his last cartoon in this style.
"Subway" is by my buddy Serge, who was suppose to be in the first collection but got busy. He animates the first Neo vs Smith fight. Frame by Frame kung fu!
I, LegenadryFrog, handle "Twins," a short that was again intended to be in the first but I soon realized it wasn't possible. I animated alot of it 6 months ago and finished it up after "The Matrix Has You" was released.
"Mobil Ave" is a very animeish short by Joanime. She's quite the popular one on www.deviantart.com.
Lastly, we have "The Siege" by Gerkinman… which is the most random and longest of the movies. Will you enjoy his off the wall humor? We'll see.
I'm also very proud of the Menu system… I could watch it forever! There's also a few secrets hidden around…
Hope you all enjoy! Everyone worked really hard on making this the best it can be. Will there be a 3rd one? I hope so, but I'm taking a break from Matrix. But I have some people in mind!
my favorite is mobil avanue lol foo` i told you but i aint the one crushed by a train now am i?
"That is because The Matrix is run by a 56K modem". Very funny. The other episodes where awesome to.
not helpful
but its nice,great,its funny and its so boring.. i hate this cause its SUCKs


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Thirsty For Income? Consider This Strategy
Chad is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
I read an article extolling the virtues of PepsiCo (NYSE: PEP). The author said that he believed that Pepsi would continue to increase its dividend, and they might grow earnings faster than analysts expect. He also made the comment that their cash flow from operations compared to their dividend looked good. I can't say that I disagree with most of his thesis, but I would suggest investors think outside the box when it comes to generating income. Though there are several beverage companies that should provide a good yield to investors in this environment, there is a less well known company where the income stream might be even better.
This Is No DRIP Of A Strategy
If you are a long-term investor, a choice between Coca-Cola (NYSE: KO) or PepsiCo is a common conundrum. On the one hand, Coca-Cola has been the leader in both volume and earnings growth for a while. The company has several of the world's most well loved brands. PepsiCo on the other hand, has the Pepsi franchise and Frito-Lay. Both companies have long histories of raising their dividends.
Many investors choose to buy their shares and reinvest the dividends through a DRIP (dividend reinvestment plan). If you buy shares in Coca-Cola, you'll get a yield of about 2.7%. By reinvesting your dividends, you can increase your effective yield over time. You can do the same with PepsiCo and start with a slightly higher yield today at just under 3%.
In the last few years, Pepsi's free cash flow payout ratio dropped from 58% to 56%. The company's free cash flow has been growing at about 11% annually. Prior to 2008, 15% dividend increases were the norm. After 2008, the average increase was about 6%. Coca-Cola's free cash flow payout ratio has increased from 62% to 66%. The company usually increased their dividend by over 11% until about 2008, and then 7.6% increases became the norm.
For Those Who Want More
However, what if you are an investor who is willing to take on more risk? Is there a way to trounce these yields of 2.7% and 3%? In short, yes there is, but it depends on what you think of options. By writing covered call options, you can potentially generate significantly more income than collecting dividends.
In order to "write" a covered call you have to own 100 shares of the stock. You essentially agree to rent your 100 shares to someone else for a certain amount of time. You "write" or "sell to open" the call option and you get paid a premium. The great thing about covered calls is you keep the premium no matter what happens.
What Do You Do?
First, you pick a price that you are willing to sell your shares at. Usually a price just above the current price gives you more income. You can use this strategy with Coca-Cola or PepsiCo, or go in a different direction and choose SodaStream (NASDAQ: SODA).
For those who don't know, SodaStream is the company that produces the popular SodaStream machines. In case you haven't heard, SodaStream allows you to make soda or other sparkling beverages at home. The company suggests that their product is better for the environment, costs less per serving, is more convenient, and is a healthier option. The stock has done well recently, and the company has consistently beaten earnings estimates.
How Much Can You Make?
Once you've selected your price, you "write" your call option. Here is an example of the type of up front yield you can get with a covered call.
(assumes $7 commission for the option and $7 to buy the shares)
In Coca-Cola and PepsiCo's case, you get around 1% up front. If the stock doesn't reach your option price, you keep your shares and can write another option next month. If the shares go above your option price, you have to sell your shares, and in Coca-Cola's case you make a small gain, in Pepsi's case you lose a small amount. Either way, this strategy would theoretically give you better income than collecting the company's dividend for the year. Keep in mind these are monthly yields not annual, so Coca-Cola at 1.09% is the equivalent of 13.08%, if you could write a similar option each month for a year.
Greater Risk = More Pop
SodaStream is a more volatile stock than either Coca-Cola or PepsiCo. However, with greater risk comes greater reward. As you can see, SodaStream pays 3.47% in just one month. In theory, you could write this one option and make more in one month than collecting dividends from Coca-Cola or PepsiCo for the whole year. The worst thing that can happen is the stock goes down. In that situation, you keep your shares and your premium. The best thing that can happen is the shares go up, you keep your premium and a capital gain from the sale of the shares.
The bottom line is, income oriented investors have options beyond just collecting a dividend. If you are interested in covered calls, most brokers offer tutorials and information about how these options work. In addition, Fool.com offers a fairly comprehensive list of definitions and information about options here. Trading options isn't for everyone, but if you are looking for better income and aren't opposed to selling your shares if they go up, take a look at covered calls.
MHenage owns shares of SodaStream. The Motley Fool recommends Coca-Cola, PepsiCo, and SodaStream. The Motley Fool owns shares of PepsiCo and SodaStream. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Latest PS Vita VideosVideos Archive RSS
Dead or Alive 5 Plus: Japanese Trailer
This trailer for Dead or Alive 5 Plus is the opportunity to attend a series of battles in good and due form.
Tearaway: Sogport Trailer
Sogport is a mysterious island marooned in a deep sea of glue, and inhabited by some very fishy folk with a fearful obsession with the island's monstrous local wildlife.
Killzone Mercenary: Debut Gameplay Trailer
Check out the first in-game footage of Killzone's first appearance on PS Vita.
Ninja Gaiden Sigma 2 Plus: Gameplay Trailer
Ninja Gaiden Sigma 2 gets a second video strangely similar to the first, but still filled with images of unusual gameplay.
Ninja Gaiden Sigma 2 Plus: First Trailer
Ninja Gaiden Sigma Plus 2 shows itself for the first time on video in this Japanese trailer.
Dead or Alive 5 Plus: Caliente
The famous heroines of the Dead or Alive series offers a particularly hot trailer for PlayStation Vita.
Sly Cooper: Thieves in Time: Once Upon a Time
You do not know what the history of the next Sly Cooper is? Ah, fortunately the developers think of you.
Call of Duty: Black Ops Declassified: Japanese Trailer
Call of Duty: Black Ops Declassified will be released in Japan on 20 December.
Lemmings: Launch Trailer
Lemmings just landed in PlayStation Mobile, accessible from a PS Vita or compatible Android devices.
Uncharted: Fight for Fortune: Gameplay Trailer
The first gameplay footage of PlayStation Vita's upcoming card game.
Uncharted: Fight for Fortune: Trailer
Uncharted fans will probably be happy to have a first glimpse of the card game Fight of Fortune with this new video.
Call of Duty: Black Ops Declassified: TV Spot
Now available, Call of Duty: Black Ops Declassified gets a TV Spot.
Assassin's Creed 3: Liberation: TV Commercial
Assassin's Creed III: Liberation seeps into the underground to ensure its promotion.
Super Monkey Ball: Banana Splitz: Launch Trailer
The caged monkeys make it to PS Vita with the option to create your own stages.
Assassin's Creed 3: Liberation: Official Story Trailer
Learn more about Master Assassin Aveline's background and storyline to understand what motivates her to rise against injustice.


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Spearheading this transformation is Conrad Wolfram, Director of Strategic
and International Development at Wolfram Research, Inc. "In the course of
developing Mathematica, we've developed a great deal of unique
technology that is also valuable in other contexts: an innovative and effective
development environment, unparalleled integration of numeric and symbolic
capabilities, and truly interactive document technology--to name a few,"
says Wolfram. "It was clear that some of this same basic technology would
be of even wider appeal if delivered in ways that directly addressed the
needs of other markets."
The first new product from Wolfram Research to emerge from this effort is
CalculationCenter, which has been optimized to penetrate the
for general and engineering computation occupied primarily by spreadsheet
programs, hand-held calculators, and even pencil and paper. Although
CalculationCenter is a product for doing calculations and is compatible
with Mathematica, that's where the similarities end. "Our target
audience with CalculationCenter needs a very different interface
than a Mathematica user to be efficient," comments Wolfram.
"Power users need optimum
flexibility even if it takes longer to learn; however, there is a large
midmarket base of professionals who want to be able to pick the product up
and do any of their calculations within 10 minutes."
The next development from Wolfram Research is the soon-to-be-launched
webMathematica, a product for providing Mathematica's
computational power
over the web. Crucial for organizations wanting to deliver customized
technical computing power either in-house or to customers through an
already existing web interface, webMathematica makes
Mathematica accessible through any web-enabled device. A number of
applications have already been created or are in development, having
resulted in several new partnerships for Wolfram Research.
Strong compatibility between forthcoming products and Mathematica
is what
makes Wolfram Research's enterprise solutions so powerful for
organizations. "By offering a range of compatible products sharing the
same language, document format, and help systems, we give users the best of
both worlds: the ability to share information with others in their
organization or profession while using a product ideal for their needs.
That's never been possible before with any technical software," says
Another key advantage of developing a full suite of products based on the
same proven core technology is the extent to which Wolfram Research can
continue to offer enterprise solutions to organizations in the future. All
Wolfram Research products are developed to be fully backward compatible
and forward looking, using long-term design principles. "Customers who
choose our products are ensured that their applications will be accurate,
reliable, and professional and that we will continue to develop to meet
their future needs," Wolfram adds.


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Digium IP Phones
Business VoIP Phones for Asterisk & Switchvox
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New Webinar!
Are you ready to take control of your Digium IP Phones? See how easy it is to use the free phone API to customize the user experience.
Digium IP Phones for Asterisk
Digium IP Phones for Switchvox
D50 IP Phone
An HDVoice, PoE phone with 4-line keys and 10 rapid dial buttons with busy lamp field indicators for your most important contacts. Designed for your mid-level employees.
D45 IP Phone
An HDVoice, Gigabit-Enabled, PoE phone with 2-line keys. Digium's best value phone designed to work for any employee in your company.
D40 IP Phone
An HDVoice, PoE phone with 2-line keys. Digium's best value phone designed to work for any employee in your company.
Reviews are in: "Easiest Install Ever"
"Digium has delivered phones that simplify the most time-consuming portion of a system deployment—installation and provisioning. These phones automatically locate the server and assign the correct users, making our deployments faster than ever before. Additionally, the tight integration with Switchvox offers our customers an awesome user experience that's just not possible with other phones."
- Chris Green, BEMA Information Technology
Custom Applications
The Digium IP phones include an applications engine that uses a free and open API. The JavaScript API allows developers to easily create custom business phone apps that extend the power of Asterisk and Switchvox. These applications go far beyond simple XML pages and integrate custom business processes directly on the phone display.
The App Engine interfaces with the phone's core features and allows any web developer to simply build an array of apps for any purpose, including emergency notifications, weather alerts, call center applications, CRM integrations, business process automations, social media integrations and more.
Global Support and Localization
Digium IP phones are available with your choice of graphic icons or English text printed on the phone's feature keys. Multiple languages and locales are supported for the on screen interface including English, Spanish, French, Italian, Dutch, German and Portuguese for communications around the world.
Download the Digium IP Phones Data sheet:


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Similar Internships
Marketing AssistantBookmark This
1111 Group
DescriptionLooking for an assistant in the marketing department to work directly with the president in creating and implementing marketing and promotional strategies for high end hospitality clients in the restaurant industry.
Our company provides consulting services and organic marketing & promotional strategies to help increase several aspects of the business to ultimately drive revenues and customer loyalty.
ResponsibilitiesCreate and execute marketing and promotional strategies
Manage events calendars and all aspects associated with it
Interact with associates to ensure execution of strategies
Organize and manage special events
Help to create social media content
Make and receive phone calls in behalf of the company in a professional manner.
Having an extensive social network and other social skills can be very helpful
- Currently completing junior or senior year
- Majors in hospitality, communications or business a plus, but not required
- Detail-oriented, organized, self-motivated and focused on success
- Strong understanding of the luxury marketplace
- Must be willing and disciplined to work from home or if required, on site.
- Must be versed in social media and other promotional outlets online
- Strong communication and writing skills
- Must be creative and efficient problem solver


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There's a Starbucks coffee shop on almost every other block in Chicago, and a number of baristas behind each counter creating those drinks coffee-lovers buy every day.
Good Day Chicago learned what being a barista is like Patrick's People and Places Monday, At the Starbucks on Rush and Oak. We learned how tough it is, but also how rewarding it can be.
Good Day also took part in a small pay it forward session Monday morning, giving away free coffees downtown. It may inspire you to give a little this week too.
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