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Actual Beds from last years race
Saturday, December 20 get ready for one heck of a crazy day as Broward House brings you the second running, crazy day that is full of fun and surprises.
Start the morning off at 8:00 am
(registration opens at 7 AM) with hundreds of others in the parking lot
of the Shoppes of Wilton
Manors dressed as your favorite holiday character (think Santa, Mrs.
Clause, Rudolph, Frosty, an elf, a Dradle, or anything that resonates
the holiday season for you) for a 5K Fun Run/Walk around the city of
Wilton Manors.
After the run/walk, spend some time hanging out with other holiday creatures while having a festive time sipping a cocktail, dancing to the sounds of our DJ and stage performers before getting ready for the start of the amazing;
3rd ANNUAL SANTA'S SLEIGH (BED) RACE
If you were there last year, you know how much fun this is to watch (or even better, be in!)
Each bed will be themed to the holiday season and have a crew of 5 dressed to match that theme.
Beds will race down the street
against each other until it comes down to the final two.
The winner of the final heat will be crowned the "Wilton Manors Bed Heads" and get to place the "Bed Head" trophy in their place of business or home for all to see!
This is surely an event you will want to be at to cheer on your favorites!!
Entry into the run/walk is only $25, and bed entry prices are listed on the website.
Sign up for the run/walk today at Http://www.Wilton5K.com/ and then start getting your outfits together!!
This event is a 100% benefit for Broward House
here to register you and your friends now!


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Dave Kaplan sent me an email Wednesday to remind me of that fact. He should know; he's the director of the Yogi Berra Museum and Learning Center in Montclair.
Kaplan was responding to last week's column about lettuce cooling and shipping in the Carbona area in 1958. I started it by writing, "As the late, great Yogi Berra was often quoted as saying, 'It's déjà vu all over again.' "
Kaplan wrote me: "You got the great part right, but Mr. Berra is renowned for his punctuality and hasn't been late in his life. Seriously, he's alive and well at 88…."
I called Kaplan yesterday to thank him for setting the record straight, and he was pleased I had called.
"I can understand how you made the mistake, since you live on the other side of the country, but here in the New York metropolitan area, people know Yogi Berra is still an active, beloved part of our world."
The museum is on the campus of Montclair State University in Montclair, which Kaplan said is in New Jersey 12 miles west of New York City.
I asked Kaplan if he sees Yogi Berra often, and he said he does on a regular basis, and the legendary New York Yankees catcher is doing well at the age of 88.
"He is proud of the Yogi Berra Museum and Learning Center, a marvelous tribute to a remarkable life and which conducts year-round character education programs," Kaplan said.
The museum, established in 1998, contains memorabilia and photos of Berra as a player, a generous community leader and "the most-quoted American."
Described as the New York metropolitan area's premier sports education center, the museum offers a number of programs for young people.
Kaplan said that if I'm ever in the New York area, he'd love to show me through the museum.
"Hope you can visit before you're too late," he said.
He could have been referring, of course, to Yogi Berra's advancing age.
But Yogi is still among us — and as someone once said, "It ain't over till it's over."
I think a onetime New York Yankees great still living in Montclair, N.J., said that.
• Sam Matthews, Tracy Press publisher emeritus, can be reached at 830-4234 or by email at firstname.lastname@example.com.

subset: commoncrawl


text: Caity WeaverProfileFollowUnfollow Pending approval Caity WeaverFiled to: Finding Nemo Ellen Degeneres Movies 4/03/13 10:54am 4/03/13 10:54am EditDelete InviteInvite manuallyPromoteXDismissXUndismissBlock for GawkerHideShare to KinjaShare to FacebookShare to TwitterGo to permalinkA Finding Nemo sequel ("Finding Dory") is officially on. The kids who loved the original film are now sullen teens. 33Reply 33Discuss


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- Luke Hobbs
- Brisbane
- Australia
This conversation is closed.
"Free Will" or genetic illusion for promoting self-survival?
So I'm at the pub (talking about The Avengers of all things, and why we find it strange to mix mythology with science) when this very English voice behind me says "Can I just say that I'm a lecturer in genetics and I find your discussion simply fascinating." Oh boy, he should so not have introduced himself that way... by the end of the night (morning actually, 4a.m.) we went from how cool Hulk looked to "IS free will "real", or simply just a trick played on "us" by our collective atomic energies, being "I am legion, for we are many" - but the many called the unified collective "I"?"
Example: Alpha Males have been shown to have weak immune systems. Could it not simply be the case of the collective genes "recognizing" it's weakness and so takes on an "Alpha Male" personality to protect itself?
Showing single comment thread. View the full conversation.
Jul 12 2012: I should have read your comment before posting but as for an experiment, how about this one?
Find out how far apparent altruistic behaviours can reach between increasingly genetically distant individuals, whether they are more or less frequent in closely related individuals.
This would be best done in a species without family units
Jul 12 2012: Well I can... Lets say you get a bunch of vampire bats which regurgitate blood to feed those that haven't fed at a cost to themselves, this is altruistic behaviour. You tag each bat and sequence their DNA for comparison, to see which ones are most closely related. You record which individuals are giving out the free meals to other individuals. You compare the frequency of the altruistic behaviours with the closeness of the bats individual genetic sequences. If there is a correllation eg. bats give more free meals to those closely related to themselves then you have support for Altruism and hence (I won't ellaborate here) free will.
If an exception to this correlation (inverse relationship) can be found in nature then this could be used in support of the argument that free will exists. Turning the idea of 'selfish genes' on its head. Get it?
It would be of interest to see precisley what levels of genetic similarity are translated to altruistic behaviours. From studying animal species in the wild, a model could be made to attempt to predict the occurence of this behaviour in humans.
Jul 13 2012: well, that's the problem with consequence-less questions. the evidence you brought here is so weak. you simply excluded one single factor and then claimed there are no other factors. if we were talking about your life insurance policy or investing your savings, you would not accept such weak data.
Jul 13 2012: What are you talking about! I have not brought evidence, this is an experiment, which as of yet is un-tested, so there is no evidence... What data exactly would I be looking for when talking about my life insurance policy?
Of course there will be other factors that might affect whether one bat donates to another, but these such as: existing family bonds can be removed by studying bats in a lab using random individuals introduced at the same time. I'm not here to write a full scientific paper but I did hope atleast that you may get the gist of what I'm trying to say, as it seems to me you have ignored the theory behind the experiment. And are pedantically exploiting those finer points that I haven't cared to mention at this stage in tthe discussion.
Please go on and name me the other factors that I have missed....
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Music decorations like these are perfect for school dances, Elvis or Blues Brothers parties and any "rock and roll" event.


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The lost stories of Porp & a Sleep is Death retrospective
I found my old Sleep is Death stories. I thought I'd lost them.
Sleep is Death is an interesting cooperative storytelling game by Jason Rohrer. It costs $1.75 for two copies. It had a brief spurt of coverage and activity when it was released in 2010. Now it is all but forgotten. The main site used to host the stories shut down and many stories were destroyed.
Sleep is Death is a parser adventure game where one person controls a character and the other person controls the world.
The player says something every turn and types a verb noun command.
The controller does everything else, moving props and people and executing commands manually, making art on the fly, improvising.
Most people created their own assets and music with the ingame pixel and sound editor. You can create your own library of props as well as modify them and create new ones on the fly. A simple example is when a player asked to turn on their flashlight and I drew yellow coming out of their flashlight.
People told all kinds of stories in it, ranging from absurd to serious to experimental.
Each story can be uploaded to HTML and read as a flipbook.
Here are my old stories. I'm the controller in each of these.
The important thing to realize is that each turn is on a timer and everything is an improvisation between two strangers. They have no idea what scene I'm dropping them into, whether it's a car driving through a dark tunnel or a row of men in a firing squad. But no matter the situation, people rolled with it and that's wonderful.
Vignette about a firing squad.
I think this is the first game I controlled. The fuck-ups are funny, you'll know them when you see them.
The next two stories are the same exact scene, same props, same controller, but different players. See how differently they played out:
Kind of playing around with who the player is actually controlling, world speaking to people, narrative living inside props. I'd like to see a more serious exploration of that.
Architectural horror.
I like the art I made for this.
A horror story that takes place in a car tunnel.
A program like Sleep is Death is a testament to the inventiveness and imagination of the average person. It was held back by the fact that you needed to manually connect with others and find people to play with, although sites sprung up for a time to facilitate this.
I hope to see more games that play with roleplaying and cooperative storytelling—a revamped, evolved version of Sleep is Death is something we desperately need.


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- John Moonstroller
- Canton, GA
- United States
This conversation is closed.
Are you bothered by Cyber Bully's and Trolls?
Are you bothered by Cyber Bully's, Trolls --people with overly aggressive behavior that cause disruptions in social media locations on the Internet? Cyber Bullying is a sign of a mental disorder. It can be found in the most brilliant of minds as well as the simplest of personalities.
You've seen the video and you've posed the question or debate. Your ready to be further enlightened by you peers and fellow TEDsters and in comes this one character with an agenda that moderators can't detect.
Cyber Bully's or Trolls, insult our intelligence use canned phrases, innuendos, or the blunt force of their superior command of language to hurt our feelings or illicit anger from the group. It can leave you feeling helpless and abused.
Cyber Bullying, or Trolling, is a new form of eliciting personal pleasure by hurting other peoples feelings. Some Physiologists say it is a sign of a mental disorder, perhaps a new form, associated with the Internet. Some say it's just an old mental malfunction that has found a new venue to elicit twisted pleasure. The more intelligent the disordered mind the more damage it can do. It doesn't matter if they are a high profile celebrity or an Associate Professor at some University, they are all subject to the same array of mental conflicts as ordinary people.
Sometimes the Internet is not enough and they cross the line, allowing their problems to spill out into the real world where they cause real physical harm. The harm they cause to the feelings of others on the Internet is no less, emotionally painful. It demeans people on a human level hurting the mind and, sometimes, those minds are fragile, or childish or, in fact, children.
The question is, what should we do about Cyber Bullying and Trolls. How can we deal with them? If we stand by and do nothing are we just as guilty as a crowd of people standing by watching a mugger do their work without interfering for fear we will be next? What do you suggest?
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Stevan S.Sep 23 2012: Cyber-bullying probably springs out from anonymity that is associated with internet profiles. Hence, one can act unmannerly and irresponsible without sanction, that he or she would probably face in a real life situation.
Trolling is by definition "fishing for conflict" in an internet discussion, deliberately causing a clash by expressing unpopular opinions, mainly with the intent of attracting attention. Sometimes it has a humorous function, but it often leads into an all-out conflict.
People who are new to the whole concept of internet discussions might be shocked when facing these forms of behavior.
However, the most important thing is not to take trolling and e-bullying seriously and not to further fuel it's presence. In internet slang: "Do not feed the troll", by getting hooked up into pointless debates.
In my experience with TED, it is mostly troll-free, so discussions can be enjoyed without this form of primitivism.
Sep 23 2012: Thank you Stevan, you reiterate my thoughts on the issue in a more concise fashion.
I''ve suggested an ignore button that could reset itself after the User signs off. Perhaps you could push this up the ladder for me(us).
The tag, "don't feed the troll" is akin to just "say no" a popular phrase offed to combat drug use in the 80's that appears to had little effect. It used time, (some) capital and a modest infrastructure. It crashed. New comers would have to learn this idea and TED could, lose customers, so to speak, by not offering them a highly visible means of controlling the Chaos they may find here in these discussions. It's well within the scope of the IT people to implement this function. They already have Newest and oldest first which serves to add clarity. The code is similar.
Thank you for your advice and observations Stevan S.
Sep 24 2012: Would you say, Stevan and John, that the attitude toward e-bullying on a site affects who will continue to participate on a site? That the extent of trolling or e-bullying affects who will be sharing ideas on the site and who will not stay?
For example, do sites with lots of bullying tend to retain as active participants mostly aggressive people?
Sep 24 2012: Yes, and you could include turning normally calm, gently personalities into demeaning, subservient participants.
And, Fritzie, don't forget the cheering section. :)
Yes Fritzie. When you say, "For example, do sites with lots of bullying tend to retain as active participants mostly aggressive people?" There are some sites that come to mind.
Sep 25 2012: Dear Fritzie and John,
Yes, the site's attitude towards trolls certainly shapes the attending crowd. Additionally, it can cause the transformation John mentioned, which is interesting when crossed with the psychological viewpoint you propose.
However, when it comes to TED, I would not like "thumbs down/report spam/flag" buttons to be flashing all over the board.
TED is aimed at "the intelligent general audience", and trust should be invested into TEDsters that we will maintain the quality of our posts (grammar and idea-wise).
In case of obvious trolling/bullying moderators should manually remove threats.
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CLEVELAND, OH (WOIO) - Cleveland is a community rocked by big government scandals.
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A story of power, entitlement and accusations of sex with girls as young as 17!
Carl Monday with an undercover investigation - what's really happening Behind Closed Doors.
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Policy Date: 11/18/2003
Policy Number: 20036
The American Public Health Association (APHA) recognizes that effective public health decision-making must be based upon the best possible science and expertise. A wide variety of federal government agencies with jurisdiction over public health, as well as state and local public health agencies, routinely engage scientific advisory committees, boards, commissions, councils, conferences, panels, task forces, study sections, or other similar groups to furnish expert advice, ideas, recommendations and diverse opinions and to guide agency policy and decision-making. At the federal level, the Department of Health and Human Services tops the list of agencies with the most advisory committees, with a total of 261 active committees in FY 2002. The National Science Foundation and the Environmental Protection Agency also make extensive use of advisory committees.1 These committees are a core component in ensuring that the best science is brought to bear to protect the public's health. It is important that members of such scientific and public health advisory committees be well-qualified scientists or experts in their fields.Through enactment of the Federal Advisory Committee Act (FACA) (P.L. 92-463) of 1972, Congress sought to provide better review, oversight, and accountability for federal advisory committees. FACA states that "standards and uniform procedures should govern the establishment, operation, administration, and duration of advisory committees."2 The law also states that federal advisory committees must be "fairly balanced in terms of the points of view represented,"3 and further that such committees must "not be inappropriately influenced by the appointing authority or by any special interest."4 However, there are currently no government-wide, uniform criteria for determining and managing conflicts of interest or achieving balance on federal scientific and public health advisory committees, or for determining the scientific or expert qualifications of candidates for such committees. Currently no such standards for committees exist at the state and local level.A recent analysis of federal advisory committees' memberships revealed that members affiliated with private businesses and trade associations account for 18 percent of the overall membership of advisory committees and 24 percent of the average committee's membership. In contrast, non-profit groups, charity groups, and the general public combined accounted for only 7 percent of the overall membership and 15 percent of the average committee's membership. The same analysis revealed that committees that are heavily weighted toward business and industry interests tend to prone to "undemocratic behavior," such as meetings that are closed to public scrutiny.5 To guard against undue influence in advisory committees, especially those responsible for providing scientific and public health advice, candidates for service should be free of direct financial conflicts of interest, such as occur when the person at issue (or that person's employer) would be directly financially affected by the presence or absence of a policy or regulation, by the outcome of a particular agency action, or by the advice rendered by the panel in question. Situations in which that person (or that person's employer) is currently employed by or under contract to an entity that is directly affected need to be examined carefully. In many instances these arrangements would create direct conflicts of interest that should disqualify the person from serving; in other cases, these would involve biases that should be disclosed to the agencies and the public.A 1998 General Accounting Office (GAO) survey of federal advisory committee members found that 90 percent of respondents believed that their committees' memberships were fairly balanced in points of view represented.6,7 More recently, however, government officials have taken steps to restructure key federal scientific and public health advisory committees by retiring the committees before their work is completed, removing or failing to reappoint qualified members and replacing them with less scientifically qualified candidates and candidates with a clear conflict of interest, and by focusing on the political and ideological leanings of potential panelists rather than their scientific qualifications. Such steps suggest an effort to inappropriately influence these committees.8,9 In some cases, even agency study sections dedicated to peer review have been tampered with.10-12 As a result, decision-making may be affected in a number of vital public health arenas. Such arenas include environmental health, childhood lead poisoning prevention, occupational health, reproductive health, and human research protections.13-18The American Public Health Association reaffirms the principle that scientific and expert advisory panels must be free from the influence of parties that stand to gain financially from the panels' decisions, and makes the following recommendations:1. Government officials should re-evaluate the recently reconstituted advisory panels and take steps to address any deficiencies related to the scientific or expert qualifications, balance of perspectives, and financial conflict of interest of their membership;2. Government officials should closely follow the guidelines set forth in the Federal Advisory Committee Act pertaining to the membership on scientific and public health advisory committees;3. A credible and independent body, or bodies, such as the National Academy of Sciences and others, should establish more specific criteria to guide the selection of members on public health advisory committees and peer review research committees at all levels of government, namely federal, state and local. Such criteria should include, but not be limited to, a) financial disclosure, b) scientific expertise, c) avoidance of conflicts of interest, d) a continuum of views represented, and e) diversity including by race, ethnicity, gender, geography, and policy perspectives;4. Such criteria should also serve as a model for state and local government officials when selecting membership for state or local advisory committees;5. Based on these criteria, the federal Office of Government Ethics (and equivalent state and local bodies) should establish government-wide guidelines for implementing the selection criteria and managing advisory committees. Among other things, these guidelines should make conflict of interest forms uniform across agencies, clarify the array of financial interests that must be disclosed by potential committee members, ensure greater public access to information about potential committee members, and promote genuine public participation in the selection process;6. Congress, and relevant state and local entities, should set up an oversight capacity and take other steps to ensure that advisory committees meet the FACA standards for qualifications, balance, and conflicts of interest of members of key science and public health advisory committees; and7. Non-governmental organizations should serve in a "watchdog" capacity to ensure that advisory committees meet the FACA standards for qualifications, balance, and conflicts of interest of members of key science and public health advisory committees, and that the proposed criteria be established in a timely manner.References1. General Services Administration, Committee Management Secretariat. FACA Database, Annual Comprehensive Review, FY 2002. Accessed online at http://www.fido.gov/facadatabase. June 12, 2003.2. Federal Advisory Committee Act, 5 U.S.C. Appendix 2, §2(b)(4).3. Federal Advisory Committee Act, 5 U.S.C. Appendix 2, §5(b)(2).4. Federal Advisory Committee Act, 5 U.S.C. Appendix 2, §5(b)(3).5. Karty KD. "Closure and Capture in Federal Advisory Committees." Business and Politics. 2002;4(2):213-238.6. General Accounting Office. 1998. Federal Advisory Committee Act: Views of Committee Members and Agencies on Federal Advisory Committee Issues. [GGD-98-147] Washington, DC: Government Printing Office.7. General Accounting Office. 1998. Federal Advisory Committee Act: Advisory Committee Process Appears to Be Working, but Some Concerns Exist. [T-GGD-98-163] Washington, DC: Government Printing Office.8. HHS Seeks Science Advice to Match Bush Views. Washington Post. September 17, 2002.9. Bush's Science Advisors Drawing Criticism. New York Times. October 9, 2002.10. Advisors Put Under a Microscope. Los Angeles Times. December 23, 2002.11. Ferber D. "HHS Intervenes in Choice of Study Section Members." Science. November 15, 2002;298:1332.12. Loomis D. "Unpopular Opinions Need Not Apply" (Letter to the Editor). Science. November 15, 2002;298:1335.13. Michaels D, et al. "Advice without Dissent." Science. October 25, 2002;298:703.14. Ferber, D. "Critics See a Tilt in a CDC Science Panel." Science. August 30, 2002;297:1456-1457.15. A Report by Markey, Edward J. (Rep D-MA). Turning Lead into Gold: How the Bush Administration is Poisoning the Lead Advisory Committee at the CDC. October 8, 2002.16. Keeping scientific advice non-partisan (editorial). Lancet. November 16, 2002;360:1525.17. An Epidemic of Politics (editorial). Science. Vol 299, p 625, January 31, 2003.18. Greenberg DS. "A No Show in Politics." The Scientist. February 10, 2003;17(3).19. Markowitz G, Rosner D. Politicizing Science: The case of the Bush Administration's influence on the Lead Advisory panel at the Centers for Disease Control. J Public Health Policy. 2003;v24,n2:105-129.
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They'll Give a Credit Card to Anyone These Days
Published on - June 23rd, 2007 (by J.D. Roth)
Because of Opt-Out Prescreen, I no longer get credit card offers at home. From time-to-time, though, I get them at work. A few weeks ago, I received an offer that puzzles me:
Seems pretty normal, huh? Well, let's look more closely. Here's the address:
And the fake card:
(Why do they include fake cards, anyhow? Do they really induce more people to apply?)
I have no idea how anyone found a database in which my name was listed as "Roth Dohn" instead of "John Roth". And "Custom Boc Service"? What exactly does that company do?
All I can come up with is that maybe person A, who had a heavy accent of some sort, read information from an existing database to person B over the phone. But then why didn't they mess up the street address? The street address is difficult, even when I'm giving it, and I've been repeating it for nearly forty years.
If I were more mischievous, I'd fill out the application and send it in. I have no doubt that Roth Dohn would get a credit card.
In related news: Today I submitted an application for my first personal credit in many years. (Under my real name — not as Roth Dohn.) It was a tough decision. My inability to handle credit responsibly got me into debt problems to begin with. But I'm a different person now. I'll be fine.
After many people recommended a Capital One card for overseas travel — there are no fees on purchases made outside the U.S. — and after realizing this could save me money and provide convenience, I decided to apply on-line. Unfortunately, the web-based application hung. It wouldn't accept my birthdate.
I called Capital One instead. "I'd like to apply for a Capital One No Hassle Cash Rewards card," I told the man who handled my call.
He was very eager to help me. "No problem, sir. We can help you out. We've got a wide variety of cards with great mileage programs," he said.
"I don't want a card with a mileage program," I said. "I want the Capital One No Hassle Cash Rewards card. I already researched it online."
"I understand, sir," the man said. "But you can use miles just like cash. For example, with this card…" He rambled on and on. Eventually I convinced him to let me apply for the card I wanted, though he kept trying to talk me out of it. (Do these folks get commissions for selling certain cards?) Also, the APR he quoted me over the phone was 15.88% instead of 13.88%, but I didn't fuss about it. I will not carry a balance on this card. This card is simply a convenience. The APR is irrelevant.
I spent twenty minutes on the phone completing the application, increasingly frustrated with the customer service rep trying to steer me toward choices I did not want. And then, when the application was finished, he announced, "Thank you, Mr. Roth. If your application is approved, you will receive your card in two or three weeks."
Oops. I may have cut the timing too close. I've got my fingers crossed — we leave for Europe three weeks from today!
Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any such company.
This article is about Credit Cards, Funny Money
I'd be prepared to call Capital One security and check your voicemail on the phone number you used on the application. You have a very high chance of getting flagged if you use it overseas right after getting it.
I went on a cruise with my wife about a month after I got a card and it got flagged because I used it twice in the Bahamas. I had to call them and confirm the purchases were my own before I could use it again.
I just hate credit cards. I used to have one, and now it's laying on my desk for almost 6 months.
And I don't know about US, but here in Brazil they do get comission for certain cards. Usually the most expensive ones =/
They really will – check out The Torn-Up Credit Card Application – my shredder now works overtime!
I hate calling credit card companies. I had experiences where I've called to dispute charges and they tried to push identity theft protection, credit reports, even offerings for new cards! It's ridiculous.
On the topic of anyone being able to get a card. I think I read a story once where this 8 year old boy received a credit card and his mother had to call it in and dispute it and cancel it. The operator told her that she needed to talk to the original card holder (the boy). That's something seriously wrong there.
@me: And the MSNBC article including an interview with the credit card company: http://redtape.msnbc.com/2006/03/what_if_a_despe.html
big mistake.
Another thanks for the site. I've also been receiving multiple offers daily to consolidate my student loans (which I did like a year ago, you would think they could leave me alone!). Maybe this will help that too?
Congrats on the credit card, I think you are ready for it. I just convinced my boyfriend to do the same (he has NO credit history). As much as I do like responsible credit card use, I think credit card companies are a PAIN to deal with–every time I call discover they try to sell me some sort of protection. And when I tried to cancel a card, I practically had to beg them to do it!
I hate to be negative, but… (don't you love it when people start out that way?) Anyway, we had an account w/Capital One, and had destroyed the actual physical card ages ago. We then decided to go ahead and get a new card (to take on vacation, no less). We waited 2 days past the 14 business days we were quoted, called back, and they hadn't even sent it out – just flat out lied to us, I guess. This happened twice. It took us from October to mid-January to get our card. Maybe since yours is a brand new account you'll have better luck, but I would suggest that you call back in a week or so and just make sure that it's in process. Have fun in Europe!
Consider getting a PayPal debit card. I believe they don't have surcharges on international transactions either.
I hate dealing with all credit card companies except for Chase. They're consistently polite, helpful and fast.
I hate to start out negative also, but feel the need to do so it this case. I had an old debt bought by Capital One transferred to a interest free loan plus a credit card. Great! I can pay off this old debt and get credit for it? WRONG!!! A firm know as "Monterey County Bank" bought the loan, and Capital One dropped me like a two-day old used sock.
Just to add insult to injury, I noticed that the new payment history from MCB was not on my credit history for the last 18 months, so I contacted them. The butts told me, "we don't report credit history until the loan is paid or you default". Well, geez, thanks for that!!!!
Credit is not bad, as long as good credit is reported. If the card is not reported on at least 2 Credit Reporting Agencies, drop it like a dead fish!!! Get as much credit as you can (unless you are looking for a home loan or refinance), then cut up the card when you get it. Stick to only a few cards with low interest rates and no annual fee, and tell the rest to blow off!!!
I also had a friend that receives his pay for contracted convenient store work via a "PLUS" debit card and had no choice in the matter. I'm not sure this is legal, but I'm not an attorney. In the meantime, each time he uses the card to receive money, he has to pay an ATM fee, sometimes HEAVY ATM fees. No matter how you use a card to get cash, (except for credit cards), try to use the grocery store and get cash back for the rest of your other expenses.
Most grocery stores do not charge a surcharge for using a debit card. If your store does, go elsewhere.
Your two statements from this post:
"I'll be fine." and "This card is simply a convenience."
Make me sad. You're letting the credit card companies win by going back to them for the sake of convenience.
You know what they take in Europe? CASH. Visa Debit Cards. You know, like in the USA. Sure, you have to exchange currency and that costs money, but you're going to spend more with the credit card than you would on the exchange rate.
You should read this:
JD's story reminds me of how I had to register my credit card earlier this week, when I received a replacement.
Here's how it is supposed to work – one calls a 1-800 number from one's home phone, the card company confirms that this is the number they have on file, and the card is then good to go.
What happened, instead – I had to enter the number of my credit card into the numeric keypad, and then wait briefly for the operator to speak with me. She then launched into a sales pitch of ancillary services offered by the credit card company ('would you like insurance with your card? imagine if you get injured and you can no longer work, and this insurance will allow you to skip payments… blablabla') I had to work hard to get a word in edgewise, say that I was not interested, and is my card registered? can I use it now? can I go now?
Amazing – she briefly said "yes, your new card is registered, good to go, but imagine if you lose my job and can't pay your card payments and…"
okthxbye, [click]
wow, they sure are well-trained to talk over anything, and won't stop unless you hang up.
I would really not want to have that job.
> (Why do they include fake cards, anyhow?
> Do they really induce more people to apply?)
I'm a marketing consultant. An enclosure like this has many benefits:
- recipient is more likely to open the package to see what it is
- after seeing their name on a card, the recipient is more likely to read the letter to see what it's about
- people hate to throw away non-paper items, so the recipient will probably hang on to the mailer for a while
- all this makes it more likely that the recipient will respond to the direct mail campaign
I just came back from Europe. You are going to get creamed on the exchange rate. Plus everything looks so lovely in Europe you are going to spend, spend, spend. Trust me on that. The quality in Europe is superb!
I only used cash and my Visa Check Card. Unless you are renting a car, a credit card is not needed. If I had a charge card, I would have bought more.
Keep us posted on your charge card use. I hope and pray you don't get suckered in. Capital One has to be the worse company for a debtor.
Just my 2 cents.
I think it's sad that you are giving such an unethical, disgusting company your business. You could have easily gotten a debit card from a more reputable company (or even a credit card from a more reputable company). Capital One is among the worst offenders in terms of all the endless credit card tricks and fraudulent practices. Didn't you want to puke just from talking to them on the phone?? It's rather gross that they tried to talk you into tons of products you didn't want and then they committed fraud by giving you a different interest rate than what was advertised. Customers should not have to jump through hoops, repeat themselves endlessly, and fight to get a product as advertised. It's sad you supported these business practices. And it's sad that Capital One will be profiting from your trip.
I'm not a huge fan of Capital One, but I do agree that credit cards are extremely convenient. As long as you keep track of things and use your head, things will be fine. It's when we don' give it a thought until the bill comes that we have a problem.
We've been to Europe several times, and it's been very convenient using a credit card. Not because we're looking to spend beyond our means (we pay off our credit card bill monthly), but because:
1) we don't have to carry too much cash, which I consider a safety concern
2) we don't have an excess of currency at the end of out trip
3) larger tabs (e.g., hotel) are easy to handle
We use an ATM machine at the airport to take cash out and we use it for food, transportation, and incidentals. Generally, we travel very light, so there isn't much temptation to buy loads of unnecessary trinkets. We like to travel for the experience more than the loot.
Hope you have a great time. And remember not to overpack because you'll find everything you need there…and then some.
PS…Every credit card company goes on and on trying to sell you stuff. Just be glad that you get good customer service on what you actually called for. We were burned by an American Airlines Mastercard when they didn't report strange activity (my husband noticed the out of state charges), but were delighted with American Express Blue when they canceled and sent us a new card overnight for suspicious activity. Remember to be a cautious consumer, which is the best anyone can do for themselves.
Another thought…the first comment by Ryan Duff is right on. I've heard of credit card companies declining transactions despite being warned beforehand of overseas travel. Be sure to have their phone number on hand. The 800 number won't work overseas, so get the actual area code and number.
About 10 years ago, I started getting weird credit card solicitations for my business. At the time, I was a professor and did not have a business. It was all very confusing. Then one day, someone from Dunn and Bradstreet called to "update their database." She asked me how many employees I had. I told her I didn't have any, that I was a professor. She said, "So, it is just you, then?" I again told her that I did not have a business. She told me that according to their records, I'd had an insurance company for about 10 years. I had a heck of a time getting her to understand that their records were incorrect and that I had been a professor all that time.
I never could figure out how they could have entered me on a database as being an insurance agent since everything in my life revolves around higher education. The only financial transaction I have with insurance is when I pay my premium or file a claim!
Read the credit card terms with a magnifying glass. Most times these great deals and offers have strings attached. If you can manage your card and stay within the terms, ie; avoiding interest, then use them to get your free stuff.
Watch how many you have though, because too many even with zero balances can lower your credit score.
I use the exact same card you are waiting for, and so far it has been just fine.
The simplicity of the cash rewards site is a breath of fresh air. It really is hassle free, especially next to the insanely frustrating miles and points programs out there. The only mild improvement I can think of is if they allowed me to setup an automatic reward instead of compelling me to login to the site each time.
The overseas travel benefit you mentioned is excellent too. Every comparable card I checked out charges a 2-5% commission.
Based on what I've read here lately, it sounds like you'll be just fine… Enjoy your vacation!
I will not use or have credit cards or have debt of any kind. I've been there, done that. Never again. So if my life is inconvenient living by pay as I go, so be it.
They certainly will give credit cards to anyone. That is why I follow these 4 simple steps to give the solicitors a taste of their own medicine.
golden rules: atm/debit card for cash; credit card for purchases. if you use credit card for cash you are going to start getting charged interest immediately.
checkout the various surcharges
for various surcharges and atm fees.
Bank of America was a bit confusing with the "no fee" among global alliance. you do in fact get charged the 1% exchange surcharge within the global ATM alliance.
notify cc company of your travel locations. Definitely get the collect call number or local country number for the cc company and your bank if using your debit card.
italy has the worst dollar to euro rates and banks don't do exchanges.
if you are getting Duty Free tax reimbursement, i'd recommend credit card or debit card credit reimbursement, b/c they will rape you silly on euro to dollar conversion if taking cash. the credit takes longer, but you will get a better rate.
joshuat, not true. you will get hammered on exchange rates with cash, depending on the country. second, carrying around lots of cash, isn't a good idea at all. moreover, you can only transit with $10k until you have to declare it. cc you get the wholesale commercial rate which is much better and will make up for the 1% visa/mastercard imposed fee.
moreover, depending on the country, i wouldn't trust using my debit card. with cc your liability is more than likely limited to $0 on fraudulent charges. with debit cards, your whole account can be emptied without anything you can do about it. to mitigate, you can call and reduce your daily cash withdrawal and cash advance limit on your debit card. most are defaulted at $400/day. you can always call the bank to request a temporary 24hr daily limit increase.
remember your debit card has three limits: daily atm withdrawal limit, daily cash advance limit (i.e. you go inside the bank to have them do a cash advance on your debit card), and your daily purchase limit. call your bank to verify these limits so you know what they are and be able to adjust them if desired. also note that the weekend may be considered one day, so a $200 limit when you took out on friday will have to last you the entire weekend. this is problematic if there is a holiday in the u.s. or your bank does not have hours during the weekend. also note, that your daily limit is probably based on your bank's time zone.
hope you get your credit card on time. i was in the same situation, wanting to use the 0% credit card for a recent trip. luckily i got it before i left. remember, don't let money be the center of your vacation. budget what you want to spend and then don't worry about how much things cost; otherwise, you will be pissed off the whole time focusing on money rather than enjoying yourself. have fun!
Just to give a positive spin to your comments, props on getting the Capital One No Hassle Rewards card. Capital One does indeed suck big-time if you have any sort of problem with your card, but the 1% cash back on everything is fantastic. It's nice to GET money from the cc companies for once.
And I know the whole "don't fall victim to the credit card companies" is a bit of a concern for most people reading this, but I'm fairly certain that you'll be able to handle it. Hey, if I can keep my Crapital One card balance free for 3 months, you can certainly do it for one vacation!
JD, if you can, work out and write down what your vacation money is in euros and sterling as well as US$. Its harder to do currency conversion on the fly than it is to remember your limits in the currency that you're purchasing in.
Sounds like you made a good choice with you credit card and I'm sure that you've got more financial discipline now – especially if you'll only be using this on vacation.
One word…SUCKER!!!
I ordered the Capitol One on a tight schedule just before leaving for South Africa. I was approved and it arrived within a week. I think you'll get it in time.
When I used my debit card for the ATM, I had fees of sometimes as much as $5; the Cap One was the smart way to make most of my transactions.
[...] Saturday I mentioned that I have applied for my first credit card in nearly a decade. This worries some of you — you are concerned that I'm setting [...]
Hey JD–I didn't read all the posts, so I assume this has been covered, but what's with the Capital One card? Among many other things, why did you except the bait-and-switch APR? The APR always matters–even if you "don't intend" to carry a balance, the point is to be responsible, not impenetrable. You're financial life should have fallbacks, and the fact that you're so sure of yourself that you feel you don't need them tells me that you're TOO sure of yourself. It's not just the principle of things–it really matters. And, then, it IS the principle. You're here, in large part, to be a good example to others. Telling people to ignore the fine print and let the credit cards take a few more points is a BAAAD example.
Also, why not get a Discover or Amex? The deals are 10x better.
They certainly will extend offers to anyone these days: last year when my sister-in-law was still 16, a credit card offer arrived at that household addressed TO HER AIM SCREENNAME! She used that name for various online accounts so it didn't specifically come from AIM, but still…
Hah. "No Hassle" card my ass. You should have told their phone representative that their card was sadly misnamed.
Again, some of these responses are hilarious. Congrats on making a step FORWARD — to safe use of credit cards.
I don't think I would have taken Capital One — I've heard canceling their cards is like pulling teeth without numbing! But a good first step.
I do hope you get your CC bbefore you go away! I do read your blog often and am de-lurking to ask a quick question: If you only need the card to conduct transactions overseas, could your bank not provide you with a visa-linked transaction card? I live in Australia and my bank gave me with a card that allowed me to use my own money overseas. The card worked exactly like a visa card and gave me $500 credit limit (if I spent all my own money). and I did not have to pay transaction charges or interest (as long as I used my savings).I hope I'm making some sense here. I would have assumed that such facilities exist in the US.


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There are a lot of storylines to watch when the National League Division Series begin on Wednesday and Thursday.
Canadian Joey Votto, who could win the National League Most Valuable Player Award, will go head-to-head with another Canadian favourite - former Blue Jay Roy Halladay - when the Reds face the Phillies.
Across the continent, Bobby Cox - who will retire at the end of the playoffs - looks for his second World Series title against the pitching-heavy San Francisco Giants.
Here are some other things to watch in both series, as well as our Double Play Blog predictions.
Cincinnati Reds vs. Philadelphia Phillies
This series matches a team that hasn't made the post-season in 15 years, the Reds, with a club that has made it to back-to-back World Series Championships, the Phillies.
The Reds were the topped ranked offense in the National League, and they will need to keep that offense rolling if they are to win the series. Joey Votto (37), Jay Bruce (25), Drew Stubbs (22) and Scott Rolen (20), all topped the 20 home run mark, while second baseman Brandon Phillips hit 18 bombs. Votto is the key to their offence as he's the club's most feared hitter, and if he can get hot, good things can happen for the Reds.
The Reds don't have much playoff experience and Game 1 starter Edinson Volquez, and Game 3 starter Johnny Cueto will be looked to keep the club in the game. If they can't handle the pressure, the series could end quickly. Another rookie in the bullpen is 22-year old Aroldis Chapman, and he could have a David Price circa 2008 breakout. The left-hander recently hit 105 on the radar gun. If the Reds need a key out or two late, Chapman could be the guy to close the door.
In the other dugout, the Phillies boast a fearsome trio of pitchers that have recently been dubbed H20 - Roy Halladay, Cole Hamels and Roy Oswalt. Hamels was the playoff MVP when the Phillies won the World Series in 2008, and Halladay and Oswalt both have very impressive resumes. The Phillies hold a huge advantage in the starting pitching department, and if the Phillies' aces pitch to form, it could be a quick series.
After struggling for parts of the season, closer Brad Lidge has returned to near 2008 form, posting a 2.10 ERA since the All-Star break. Despite those numbers, there's the perception that if the Reds can get to Lidge early in the series, they might be able to exploit the cracks later on.
For once in recent history, there are more concerns about the Phillies offence than the starting pitching. The Phillies were blanked five times in an eight game span over the season and Jimmy Rollins, who missed chunks of the season with injury is battling a sore hamstring. The club still has feared hitters like Ryan Howard, Chase Utley and Jayson Werth, but the group will need to find some consistency.
Prediction: The Reds getting back in the post season is a good story, as is the fact that Canadian Joey Votto has become one of the best hitters in the National League. With that said, it's hard to fathom that the Reds have enough pitching to get past the experienced Phillies. Phillies in 3.
Click here for a complete Reds - Phillies Preview.
Atlanta Braves at San Francisco Giants
Two teams with plenty of pitching and no superstar offensive players meet in the only series that will debut on Thursday.
The key storyline to the series and what will be the key factor for whichever team wins is starting pitching. The Giants boast an impressive young trio of Tim Lincecum, Matt Cain and Jonathan Sanchez in the first three games, while the Braves will counter with Derek Lowe, Tommy Hanson and Tim Hudson. The Giants have the edge in pure stuff, while the Braves' unit has the post-season experience advantage.
Offensively, the Giants are anchored by 33-year old Aubrey Huff, who had a very good season, hitting .290 with 26 home runs, and 23-year old Buster Posey, who hit 18 home runs and batted .305 in 108 games. Outside of those two, the Giants have a bunch of parts that occasionally come up big like Edgar Renteria, Freddy Sanchez and Pat Burrell. The performance of Pablo Sandoval could be the difference maker. Sandoval is hitting only .268 on the season with 13 home runs. He's also posted one of the most unusual home/road splits in recent memory, hitting .330 in San Francisco and only .208 everywhere else.
Much like the questions about the Giants offence, the Braves are facing many of the same issues. With Chipper Jones injured, the club is lacking a true hitting threat in their lineup. Catcher Brian McCann and Derrek Lee, who is coming of a sub par season will need to help carry the offence as star rookie Jason Heyward won't be able to do it on his own.
Prediction: While in a lot of ways these clubs are mirror images, the youth of the Giants will carry the day. Giants in 4.
Click here for a complete Braves - Giants Preview.
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Until recently the prime attraction for visitors east across the Sumida-gawa was Ryōgoku, home to the capital's sumo stadium and the engaging Edo-Tokyo Museum, covering the city's history from the seventeenth century to the present day. Looming over both these is the soaring Tokyo Sky Tree telecommunications tower, a mega construction project that is drawing attention to the previously untouristed residential and industrial area of Oshiage.
This part of Tokyo, the core of the Shitamachi area, is the capital at its most traditional. Nowhere is this more obvious than among the craftshops and neighbourhood restaurants and ryokan of Asakusa and in the constant festival atmosphere around its magnificent temple, Sensō-ji.Read More
ASAKUSA (浅草) is best known as the site of Tokyo's most venerable Buddhist temple, Sensō-ji, whose towering worship hall is filled with a continual throng of petitioners and holiday-makers. Stalls before the temple cater to the crowds, peddling trinkets and keepsakes as they have done for centuries; old-fashioned craftshops display exquisite hair combs, paper fans and calligraphy brushes; and all around is the inevitable array of restaurants, drinking places and fast-food stands. It's the infectious carnival atmosphere that makes Asakusa so appealing. The biggest festival here is the Sanja Matsuri, but there are numerous smaller celebrations; ask at the information centre in front of Sensō-ji's main gate if there's anything on.
Though you can easily reach Asakusa by subway, a more pleasant way of getting here – or away – is by river. The ferry terminal is under Azuma-bashi, opposite Philippe Starck's eye-catching Flamme d'Or Building.


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PARIS (Reuters) - France breathed a sigh of relief at the weekend after Anglo-Australian mining giant Rio Tinto
Unions feared Rio Tinto's aluminum plant in Saint-Jean-de-Maurienne in the Alps would close after it was put up for sale last year.
Rio Tinto, the world's third-largest miner, received a firm offer for the plant and associated smelter from Germany's Trimet aluminum AG in a deal backed by the French state and energy group EDF
The plants produce aluminum wire rods which are used to make electric cables for the energy industry and connecting elements in the automobile industry.
For Rio Tinto, the disposal is part of a strategy to reduce its aluminum activities and lower costs.
France, which is battling recession and rising unemployment, has seen many smelters and metals production sites close in the past decade as global mining groups transferred their production to lower-cost regions.
In April, ArcelorMittal
The Rio Tinto aluminum deal involves an investment of more than 200 million euros over six years. Other details or financial elements of the transaction were not disclosed.
"The Trimet group gives new life to this site with a Franco-German partnership," said French Prime Minister Jean-Marc Ayrault who travelled to the site on Saturday to conclude the deal. "There is no future for France without industry."
Industry Minister Arnaud Montebourg, also present at the signing in Saint-Jean-de-Maurienne, said last week the transaction gave hope France was "building a Franco-German Pechiney."
French aluminum giant Pechiney, which used to own the Alpine plant dating back to 1907, was sold to Canada's Alcan, itself later absorbed by Rio Tinto.
(Reporting by Catherine Lagrange and Astrid Wendlandt; Editing by Hugh Lawson)


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Orientation as seen from slopes of Mt. Sneffels
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Nice evening view from Mt. Sneffels showing continuation of Sneffels range east - Kismet, Cirque Mountain, Teakettle, Cofeepot, and Potosi Peak.
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CSME is proud to support the scholarly endeavors of Indiana University students. Please see the below sections for information concerning funding opportunities.
The US Department of Education has designated the Center for the Study of the Middle East (CSME) as a Foreign Language and Area Studies Center. As a FLAS Center CSME offers FLAS fellowships to graduate and undergraduate students for students taking Arabic, Modern Hebrew, Kurdish, Persian and Turkish. FLAS fellowships support the study of modern foreign languages and related area and international studies in preparation for careers in teaching, research, government service, and international organizations.
FLAS Application Tips
Students are eligible to apply for FLAS if she/he is:
A US Citizen or Permanent Resident
Admitted or enrolled in a degree program in the College of Arts and Sciences or a Professional School at Indiana University-Bloomington.
If awarded a FLAS fellowship, the student must undertake an approved program of foreign language and area studies relevant to his/her academic and career goals.
Academic year FLAS fellowships include:
Tuition fee remission:
Graduate Students: 12 credits of course work for each semester a total of 24 credits/year
Undergraduate Students: Up to $10,000
Academic year stipend of $15,000 for graduate students (estimated) and up to $5,000 for undergraduates
Enrollment in graduate student health insurance plan
FLAS Summer Fellowships award
(SWSEEL attendees see SWSEEL section of FAQ):
$7,500, consisting of:
- $5,000 institutional payment
- $2,500 stipend
For more information please contact the CSME office.
Center for the Study of the Middle East
1105 East Atwater Avenue
Bloomington, Indiana 47401
Phone: (812) 855-4221
Fax: (812) 855-4600
Applying to CSME
What is CSME's application deadline for the academic year FLAS?
The application deadline for the academic year FLAS Fellowship (both undergraduate and graduate) is February 1.
What is CSME's application deadline for the summer FLAS?
The application deadline for the summer FLAS Fellowship (both undergraduate and graduate) is February 1.
Applying to Multiple Centers
Can I submit FLAS applications to CSME and to other FLAS centers?
Yes, students can always submit a separate FLAS application to CSME in addition to other FLAS centers, but they are encouraged to keep in mind the focus of the various centers.
Please take the time to redirect the written portion of your application to emphasize how your research agenda, program of study, and/or career goals are relevant to the areas within CSME's scope. Encourage those who are writing letters of recommendation to do so as well.
CSME also reminds applicants that it is their responsibility to get copies of all documents, such as transcripts and letters of recommendation, to CSME from other centers where they may be applying. These documents may be sent electronically or through campus mail.
Can I use FLAS recommendations and transcripts from another FLAS center for my CSME FLAS application?
Yes, but it is your responsibility to get copies of all documents, such as transcripts and letters of recommendation, to CSME from other centers where you may be applying. These documents may be sent electronically or through campus mail.
If I am applying to more than one FLAS center, can my online recommendations submitted through the FLAS system be accessed by the two centers, or do those writing my letters of recommendation need to submit them for each application?
You will need to ask those who are writing letters of recommendation for you to submit separate letters to each FLAS center.
Ideally, when you apply for a FLAS fellowship through CSME, your letters of recommendation will reflect a Middle East focus; a letter submitted in support of your application to another center will almost certainly not do this. If possible, you might discuss this with those who are writing your letters, suggesting that in the letter for CSME they emphasize your work appropriately.
Can you get a FLAS fellowship with any undergraduate or graduate degree?
Yes, FLAS fellowships are open to all majors and degree programs.
Can recent IU graduates apply for FLAS fellowships?
No, only students who are currently enrolled are eligible for FLAS fellowships.
Do I need to be accepted into a degree program before applying for a FLAS fellowship?
No, you do not have to be already accepted into a degree program to apply, but you do need to be accepted into a degree program to receive a FLAS fellowship.
Can I submit an application for a language not listed on the website?
Is it possible to submit FLAS applications for more than one language?
Yes, but FLAS applications are highly competitive, so the case you make for learning any language has to be very strong, and you must clearly articulate the reasons for learning each language.
May I apply for different languages in the Summer and Academic Year?
Yes, if knowledge of more than one language is essential to your program of study. Be sure to demonstrate in your personal statement why you need the second language. Your case for a second language will be stronger if you have already reached an advanced level in one language, or if the second (Summer) language you need is not offered at IU during the academic year.
Is formal language study required prior to applying for a FLAS fellowship?
Graduate students do not need any formal language study prior to applying for a FLAS fellowship, though intermediate and advanced language training is preferred.
Undergraduate students do need prior formal language study and can only apply at the intermediate and advanced levels.
Summer and/or Academic Year FLAS Applications
Can I apply for both an academic year and a summer FLAS? If I do apply for both, do I have to fill out separate applications?
You are encouraged to apply for both academic year and summer FLAS fellowships. Each FLAS fellowship requires a separate application.
How does FLAS work with SWSEEL?
You are encouraged to apply for a FLAS Fellowship in conjunction with your plans to attend SWSEEL. Your Summer FLAS application to support your study during SWSEEL is due February 1st. This date is well before the SWSEEL application deadline! You must also fill out a separate application per SWSEEL's own application process. If you have a different question relating to SWSEEL and the use of FLAS, do not hesitate to contact SWSEEL directly.
Filling Out the Application
Do I need to print and scan a copy of my application or do you access it electronically?
You do not need to print a copy of your application. We are able to access it electronically.
Do I need to submit a separate Personal Statement or is the statement in my online FLAS application enough?
You do not need to send a separate Personal Statement. The essay you complete within the online FLAS application serves as your Personal Statement.
How does one prove or test language proficiency for the FLAS application?
You can estimate your ability on the application itself, then test into the appropriate level course when you arrive on campus.
The online application only allows for the choice of "IU" or "abroad" as locations of study. I am studying at a location in the United States that is not IU. Which do I choose?
You should select "abroad" if that is the only option other than "IU."
Supporting Documents
Do Indiana University students need to send official IU transcripts?
No. In the case of Indiana University transcripts only, CSME accepts a printout generated by OneStart.
Are you able to access my academic transcripts online or do I need to submit them?
It is your responsibility to get copies of transcripts to CSME.
Do I need to submit a copy of my GRE scores with my FLAS application?
No, students enter their GRE scores as part of their online FLAS application.
I listed several schools I attended on my application, but I have no formal transcripts for those schools (for whatever reason). How should I handle this?
If you have listed schools attended on your FLAS application but have no transcripts for those schools, please send an email to email@example.com explaining the reason for the missing transcripts. This email will be placed in your FLAS file, offering an explanation of what appear to be "missing" transcripts to the review committee.
Can I send in more than three letters of recommendation?
Yes. In fact, including a fourth letter is good insurance in case one of your referees does not submit a letter for any reason.
Can materials from my Academic Year application be copied into my Summer file?
Yes, upon request. If you are applying for both Academic Year and Summer awards this year, you may ask the FLAS coordinator to copy your transcripts and letters of recommendation submitted in support of your Academic Year application into the Summer file. We encourage you to request a second set of recommendations if the language you wish to study in the summer is different from the one you are seeking to study during the academic year.
I previously received a FLAS from CSME. Is it possible to have copies of my transcripts transferred from last year's file into my file for this year?
Yes, you can contact CSME at email@example.com to make that arrangement.
Is it okay if my letters of recommendation, transcripts, or other supporting materials are received after the fellowship deadline?
No, we expect all applications and supporting materials to be received by the deadline (February 1st). It is your responsibility to inform CSME if any supporting materials will be arriving after the deadline.
FLAS Recipient Requirements
The FLAS guidelines state that fellowship recipients "must undertake full-time study during the tenure of the award." Does that mean full-time language and content area studies?
Specifically, FLAS recipients are absolutely required to be full-time students. During each semester of FLAS enrollment, the student is required to include at least one 3-credit language course and one 3-credit area studies course. In the case of CSME, these courses will likely be in Near Eastern Languages & Cultures (NELC) or Central Eurasian Studies (CEUS).
Beyond classwork, is anything required of FLAS Fellows?
Yes. All fellows fill out pre- and post-award reports for the US Department of Education. In addition, recipients are surveyed periodically in the years following their award. All fellows must take pre- and post-award proficiency assessments. It is also requested the fellows participate in at least one CSME outreach event per award semester, as requested by CSME staff with ample preparation. This volunteer effort will likely consist of less than 2 hours.
Notifications and Awards
How will I know if my application has been received?
The CSME Program Assistant will send a confirmation e-mail upon receipt of your FLAS application. You may e-mail CSME at email@example.com should you wish to check on the status of a specific part of your application. The processing of fellowship applications is very time consuming. We will respond to your request as soon as possible.
Will you contact me if I do/don't get a FLAS award? When will I be contacted?
Yes. Everyone, regardless of whether or not they are chosen to receive a FLAS fellowship, will be contacted after the awards have been finalized.
Is there a limit on the number of FLAS fellowships I can receive?
There is no limit on the number of sequential FLAS awards one person may receive, but no more than one concurrent award can be accepted.
The Institute of Turkish Studies (ITS)
The Institute of Turkish Studies (ITS), based at Georgetown University is pleased to announce its 2014-2015 grants program.
For full details regarding grant categories, application procedures, grant amounts, please follow the below links:
General Instructions: http://turkishstudies.org/grants/index.shtml
Applications and Grant Categories:
Please note the deadline to receive all applications is by March 7, 2014.
The applications for the 2014-2015 David L. Boren Scholarships and Fellowships are now available at www.borenawards.org. Boren Awards provide unique funding opportunities for U.S. undergraduate and graduate students to study in in world regions critical to U.S. interests, including Africa, Asia, Central & Eastern Europe, Eurasia, Latin America, and the Middle East, where they can add important international and language components to their educations. In exchange for funding, recipients commit to working in the federal government for a minimum of one year. Applications are now available.
Boren Scholars and Fellows represent a variety of academic backgrounds, but all are interested in studying less commonly taught languages, including but not limited to Arabic, Chinese, Korean, Portuguese, Russian, and Swahili. As part of the African Languages Initiative, Boren Award applicants have the opportunity to further their study of Akan/Twi, French, Hausa, Portuguese, Swahili, Wolof, Yoruba, or Zulu. For a complete list of languages, visit our website.
Undergraduate students: Can receive up to $20,000 for an academic year's study abroad.
Graduate students: Can receive up to $30,000 for language study and international research.
Both: In exchange for funding, recipients commit to working in the federal government for a minimum of one year.
National Application Deadlines
Boren Fellowship: January 28, 2014
Boren Scholarship: February 5, 2014*
*Many institutions have an earlier on-campus deadline. Visit our website for information about your campus deadline and Boren campus representative.
For more information about the Boren Awards, to register for one of our upcoming webinars, and to access the on-line application, please visit www.borenawards.org. You can also contact the Boren Awards staff at firstname.lastname@example.com or 1-800-618-NSEP with questions.
The Boren Awards are initiatives of the National Security Education Program (NSEP) and are administered by the Institute of International Education.
Boren Scholarships and Fellowships
Institute of International Education (IIE)
1400 K Street NW, 7th Floor
Washington, DC 20005
Phone 1-800-618-NSEP (6737)
Graduate and undergraduate students, studying at American colleges and universities or Americans studying at foreign universities, who aspire to become foreign correspondents, are invited to apply for one of fourteen scholarships/internships to be awarded by the Overseas Press Club Foundation.
From among the scholarship winners, the Foundation selects up to nine scholars and pays travel and living expenses for them to intern at foreign bureaus at such leading news organization as the Associated Press, Reuters, GlobalPost and Forbes. Students win either a $2,000 grant or funding for their overseas experience. In many cases, winning a prestigious OPC Foundation award has helped launch careers. Winners are also invited to join the Overseas Press Club family. They are encouraged to network and keep the organization informed of their career moves.
The judges require that applicants submit a Cover Letter, Resume and Essay. The applicant's name and school should appear at the top of each page. The Essay of approximately 500 words should concentrate on an area of the world or an international issue that is in keeping with the applicant's interest. It can be in the form of a news story, analysis, or essay. Recent winners have written on such diverse topics as playing black jack on the Trans-Siberian Railroad, political activism in Morocco, and social upheaval in China. Applicants are also encouraged to submit essays showing a strong understanding of, or interest in, global economic issues such as trade, finance, emerging markets, immigration or environmental impacts. While the writing sample need not be new work, it should be submitted in a form that meets the application requirements.
The Cover Letter should be autobiographical in nature addressing such questions as how the applicant developed an interest in this particular part of the world, or how he or she would use the scholarship to further journalistic ambitions. The judges respond well to applications showing strong reporting skills, color, and understanding or passion.
Winners will be contacted in December so that arrangements can be made for them to attend the Foundation Scholarship Luncheon in February 2014 in New York City at the Foundation's expense. Recipients are expected to attend. The results will be posted on the Web site in mid-December.
Applicants do not have to be US citizens. Applications may be sent by mail, fax or email. Please choose one. Email is preferred (Word or PDF).
Email: firstname.lastname@example.com
Fax: 201-612-9915
Mail: William J. Holstein, President, Overseas Press Club Foundation, 40 West 45 Street, New York NY 10036


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Full size version is only available to registered users
Please Register as a New User or Login as Existing User to gain full access to all the photos on this site. Registration is quick and completely free.
Unregistered users can only view full size photos that have been added this month.
Ursula on the red sandstone boulders of St Bees
© PeteH, Jul 2011
Problem: Vertebral column
Camera used: Canon EOS 350D DIGITAL


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Mort Zuckerman
Fred R. Conrad/The New York Times
News about Mort Zuckerman, including commentary and archival articles published in The New York Times.
My Successor? Mayor Ponders Dream Choices
Advisers to Mayor Michael R. Bloomberg, concerned about the field of possible candidates, have floated the idea of a mayoral run to at least five boldface figures.
January 8, 2013, Tuesday
Columbia Gets $200 Million Pledge for Brain Institute
Mortimer B. Zuckerman's donation will help finance a research center on the university's campus.
December 18, 2012, Tuesday
Boston Properties Sticks to Its Formula
With investments in five United States markets, the real estate investment trust led by Mortimer B. Zuckerman is sticking to a strategy summarized as "A buildings in A locations."
June 27, 2012, Wednesday
With Report, a Tabloid Editor Is Again Part of the Story
As a newspaper editor who has commanded troops on both sides of New York's pungent tabloid wars, Colin Myler has always shown a thirst for the eye-popping story and a willingness to take the heat to run something that will sell, sell, sell. In...
May 2, 2012, Wednesday
With Report, a Tabloid Editor Is Again Part of the Story
Colin Myler, editor of The Daily News and former editor of The News of the World, was targeted in a British parliamentary panel's report on the phone-hacking scandal.
May 2, 2012, Wednesday
As Tower Rises at Ground Zero, So Does Competition to Buy In
The days when 1 World Trade Center was regarded as an unnecessary exercise in waste appear to be over.
April 24, 2010, Saturday
Zuckerman Decides Not to Run Against Gillibrand for Senate
Mortimer B. Zuckerman, the real estate and media tycoon, has decided not to run for Senator Kirsten E. Gillibrand's seat this year, he said in an interview Tuesday night. Mr. Zuckerman, 72, said that despite encouragement from dozens of friends...
March 3, 2010, Wednesday
Zuckerman Courts G.O.P. While Ford Polls Voters
As they weigh whether to make a bid for the Senate seat held by Kirsten E. Gillibrand, Mortimer B. Zuckerman, the publisher of The Daily News, is quietly reaching out to state Republican leaders, and Harold E. Ford Jr., a former congressman, has...
February 24, 2010, Wednesday
Zuckerman Is Said to Be Weighing Bid for Senate Seat Held by Gillibrand
Mortimer B. Zuckerman, the publisher of The Daily News, is considering a challenge to Kirsten E. Gillibrand.
February 13, 2010, Saturday
Edward H. Linde, 68, Real Estate Executive
Edward H. Linde, a founder of one of the largest real estate investment trusts in the nation -- and the behind-the-scenes partner of Mortimer B. Zuckerman -- died on Jan. 10 in Boston. He was 68 and lived in Weston, Mass. The cause was...
January 21, 2010, Thursday
Rss Feeds On Mort Zuckerman
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Receive My Alerts e-mails on topics covered on this page.More Alerts >>


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Runs "full" - very roomy. Will wait for my 12 year-old to grow into it. Nice shirt nonetheless.
EOTAC Long - sleeved Pocket Polo Shirt
Item # WX2-204201
- Google+
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Easy for action! EOTACTM Long - sleeved Pocket Polo Shirt, SAVE BIG !
EOTAC is a leader in tactical / duty clothing that gets the job done in relaxed comfort. This Polo, in a big range of colors, is ideal for wear on or off the job. Here with big value... if you get more than one, the price gets even lower.Here's how this rolls:
- 8-oz. 100% cotton that's breathable, fade resistant, pre-shrunk and washed, with wrinkle-resistant finish
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State Color and Size, as available in the Shopping Cart. Choose and get this Close-Out steal ONLINE today!
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More availible colors and sleeve lengths.
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Perfect fit, excellent quality, excellent value!
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Action Planning Presentation (PPT)
Power Point Presentation that can be used to guide teams through the action planning process.
Failed Turnaround Strategies: Mass Insight Education & Research Institute (2009). School Turnaround Strategies That Have Failed: How to avoid past mistakes in addressing the needs of low-performing schools. Retrieved November 18, 2011, from http://www.massinsight.org/publications/turnaround/123/file/1/pubs/2011/08/10/STG_Failed_Strategies_-_March_2010.pdf
What Rural Districts are Doing: Center on Innovation & Improvement (n.d.). Retrieved November 18, 2011, from http://www.centerii.org/WhatAreDistrictsDoing/resources/WhatRuralDistrictAreDoing.pdf
Performance Cases: Center on Innovation & Improvement (2009). Breaking the Habit of Low Performance: Successful school restructuring stories. Retrieved November 18, 2011, from http://www.centerii.org/survey/downloads/Breaking_the_habit_of_low_performance.pdf


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© 2002 - 2014 DBolical Pty Ltd. All Rights Reserved. 3270 modders.
The setting is World War II, and England has made and trained a small group of special elite forces called 'commandos'. These commandos are specially trained to take on the most crucial and risky missions. These men are sent in to covertly take out installations, sabotage plans, assassinate leaders, and cause as much disruption to the enemies of the free world.


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I want to give you guys an update on LifeonBreak.com comment system. You can now comment anonymously without creating an account. If you want to have your name show up on the comment, please register for an account (free) and then comment.
All anonymous comments will be approved by admin before showing up to prevent spam.


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A People's History of the United States NOV 28 2002
Zinn's a Marxist freak (well, according to some), but this book is still worth reading as an antidote to what most American kids learn about in school.
Front page
About + contact
Site archives
Ads by The Deck
And more at Amazon.com
More at We Work Remotely
Subscribe to Quarterly and get a real-life mailing from Jason every three months.
Hosting provided EngineHosting


text:
Adams Papers Indexes | Adams Papers, Cumulative Index to volumes published through 2006 | S | Sparhawk, Thomas (JA's college roommate)
Harvard Colledge June 8th. 1753. [Earliest Diary and Autobiography of John Adams 1:43]+
Documents in this publication are viewable by registered users only. Log in
Guest users have access to all documents in the Founders
Early Access publication.


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Contact Information
Eagan, MN 55121
Call: 651-675-5546
Toll Free: 866-324-2620
Fax: 651-675-5545
Region: Minneapolis / St Paul
Add to My Favorites
Receive 2 FREE Nickelodeon Universe® Unlimited Ride Wristbands or other great offers with a qualifying overnight stay at any Eagan hotel, Thursday, Friday, Saturday or Sunday.
Eagan's Pick Your Package offers the best vacation deals in the Twin Cities! You'll receive free tickets to some of the best attractions in the Minneapolis – St. Paul area, including Nickelodeon Universe®, Valleyfair Amusement Park and the Minnesota Zoo. You can also find tickets to events like the Renaissance Festival and popular theater productions, or you can select a dining certificate from one of our superb restaurants. Plus, all packages include a FREE Mall of America® Coupon Book – a $9.95 value, which includes over $1,500 in combined savings! Eagan is home to the Upper Midwest's largest outdoor municipal waterpark - Cascade Bay - and is also your connection to dynamic destinations such as Mall of America®, Nickelodeon Universe®, the Minnesota Zoo, Target Field, Science Museum of Minnesota and Valleyfair Amusement Park. Enjoy easy access to both downtown Minneapolis and St. Paul, along with complimentary airport and Mall of America shuttle service from participating Eagan hotels, all with FREE parking. Eagan features great shopping, the best in dining and accommodations, all at an affordable price!
The Eagan CVB office is located inside the Eagan Community Center. We offer leisure, group and meeting planning services. Local & statewide brochures are available during Eagan Community Center hours: Monday - Friday 5:45am - 9:45pm, Saturday 8:00am - 8:00pm & Sunday 10:00am - 8:00pm. Our office hours are Monday - Friday, 8:00am - 4:30pm.
More Information
Other Date Information
- Office Hours: Monday - Friday, 8:00am - 4:30pm.
Find Nearby
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Pick Your Package
1501 Central Parkway, Suite E
Eagan, MN 55121
Call: 866-324-2620
#PickYourPackage & explore the Midwest's best attractions, including Mall of America®'s Nickelodeon Universe & SEA LIFE® Minnesota Aquarium, Minnesota Zoo & more - FREE with an Eagan Hotel stay. Plus, you'll receive a FREE Mall of America Coupon Book! eaganmn.com/pickyourpackage


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29 U.S. Code § 668 - Programs of Federal agencies
(a) Establishment, development, and maintenance by head of each Federal agency
It shall be the responsibility of the head of each Federal agency (not including the United States Postal Service) to establish and maintain an effective and comprehensive occupational safety and health program which is consistent with the standards promulgated under section 655 of this title. The head of each agency shall (after consultation with representatives of the employees thereof)—
(1) provide safe and healthful places and conditions of employment, consistent with the standards set under section 655 of this title;
(2) acquire, maintain, and require the use of safety equipment, personal protective equipment, and devices reasonably necessary to protect employees;
(3) keep adequate records of all occupational accidents and illnesses for proper evaluation and necessary corrective action;
(4) consult with the Secretary with regard to the adequacy as to form and content of records kept pursuant to subsection (a)(3) of this section; and
(b) Report by Secretary to President
The Secretary shall report to the President a summary or digest of reports submitted to him under subsection (a)(5) of this section, together with his evaluations of and recommendations derived from such reports.
(d) Access by Secretary to records and reports required of agencies
The Secretary shall have access to records and reports kept and filed by Federal agencies pursuant to subsections (a)(3) and (5) of this section unless those records and reports are specifically required by Executive order to be kept secret in the interest of the national defense or foreign policy, in which case the Secretary shall have access to such information as will not jeopardize national defense or foreign policy.
Source(Pub. L. 91–596, § 19,Dec. 29, 1970, 84 Stat. 1609; Pub. L. 97–375, title I, § 110(c),Dec. 21, 1982, 96 Stat. 1821; Pub. L. 105–241, § 2(b)(1),Sept. 28, 1998, 112 Stat. 1572.)
1998—Subsec. (a). Pub. L. 105–241inserted "(not including the United States Postal Service)" after "each Federal agency".
1982—Subsec. (b). Pub. L. 97–375struck out direction that the President transmit annually to the Senate and House a report of the activities of Federal agencies under this section.
Occupational Safety and Health Programs for Federal Employees
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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Clarkson backs 'warrior' Lewis for GF
8:52pm Sep 20, 2014
Hinkley laments end to 'amazing September'
8:52pm Sep 20, 2014
Post-match: Hawks
8:30pm Sep 20, 2014
8:52pm Sep 20, 2014
8:52pm Sep 20, 2014
8:30pm Sep 20, 2014
A black eye and a busted nose won't stop Hawk fronting for Grand Final
9:22pm Sep 21, 2014
AROUND THE LEAGUES: New role for key forward in SANFL flag
8:08pm Sep 21, 2014
Ashley Browne on the team that Horse built. Plus: Cyril - yes or no?
6:46pm Sep 21, 2014
5:00pmAEST Saturday, April 20, 2013
AFL Membership. Your ticket to Australia's Game
Everything on coaching, playing, umpiring, volunteering and managing your club
Find your local club and play like a pro
Join the little big time. Auskick is fun, safe and a great way to introduce boys and girls to Australian football


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Flu Shot Clinic
Submitted by FallsLibrary on Tue, 08/27/2013 - 11:41am
Avoid that nasty flu bug this season! Pharmacists and interns from Rite Aid Pharmacies will be giving flu shots in the Sutliff Meeting Room, free with Medicare Part B/Medicaid card or $30 for all others.
Tuesday, September 24, 2013 - 10:00am - 1:00pm


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HOME College Oregon Ducks Gear Oregon Ducks Mens Oregon Ducks Mens Hats Oregon Ducks Mens Hats Flex Fit (13 items) Product ID: 1109788
Main Content
Get ready for Ducks baseball with the same style hat your favorite players sport on the field! This Authentic Baseball Swoosh Flex hat from Nike features a mesh exterior, an embroidered wordmark on the crown, an embroidered team name on the back and a school name printed on an inside seam. It also offers an interior headband with Nike's moisture-wicking Dri-FIT fabric to keep you cool and focused on Oregon's big-time plays. Bold team graphics and outstanding features that'll keep you dry and comfortable for hours make this hat perfect for die-hard Ducks buffs!
- 100% Polyester fabric
- Dri-FIT technology for ultimate comfort
- Imported
- Officially licensed collegiate product
- One size fits most
- Quality embroidery
- Stretch fit
- Structured fit
Ducks Customers also liked:
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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|Knights Inn La Crosse properties are provided below. Search for cheap and discount Knights Inn hotel rates in La Crosse, VA for your business gathering or personal travels. We list the best Knights Inn La Crosse hotels/motels so you can review the La Crosse Knights Inn hotel list below to find the perfect place.
Our technology will also list discounted La Crosse, VA venues that have similar star rating to Knights Inn.
Booking a group or meeting? Get bids from hotels in La Crosse VA
More Knights Inn properties for La Crosse
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42 U.S. Code § 7671f - Exchange authority
(a) Transfers
The Administrator shall, within 10 months after November 15, 1990, promulgate rules under this subchapter providing for the issuance of allowances for the production of class I and II substances in accordance with the requirements of this subchapter and governing the transfer of such allowances. Such rules shall insure that the transactions under the authority of this section will result in greater total reductions in the production in each year of class I and class II substances than would occur in that year in the absence of such transactions.
(b) Interpollutant transfers
(1) The rules under this section shall permit a production allowance for a substance for any year to be transferred for a production allowance for another substance for the same year on an ozone depletion weighted basis.
(2) Allowances for substances in each group of class I substances (as listed pursuant to section 7671a of this title) may only be transferred for allowances for other substances in the same Group.
(c) Trades with other persons
The rules under this section shall permit 2 or more persons to transfer production allowances (including interpollutant transfers which meet the requirements of subsections (a) and (b) of this section) if the transferor of such allowances will be subject, under such rules, to an enforceable and quantifiable reduction in annual production which—
(d) Consumption
The rules under this section shall also provide for the issuance of consumption allowances in accordance with the requirements of this subchapter and for the trading of such allowances in the same manner as is applicable under this section to the trading of production allowances under this section.
Source(July 14, 1955, ch. 360, title VI, § 607, as added Pub. L. 101–549, title VI, § 602(a),Nov. 15, 1990, 104 Stat. 2660.)
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.


text:
N.Y.C. Smooch Proof 16HR Lipstain, Unstoppable Red
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Lasts up to 16 Hours! Precise felt-tip applicator allows you to line and define your lips with precision, then fill in with color. Natural flush of color, buildable coverage when layered to your desire. Water-based formula. Wear alone or layer under your favorite gloss or lip stick.
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Jux2 the metasearch/comparative search engine that won our Best Meta Search Engine site in the 5th Annual Search Engine Awards, is back online and fully functioning after being sold in October on eBay for over $100,000.
It's original developers sold the site after they ran out of time and finances to keep he site going. Currently, the site is registered to b-swing inc. in Minneapolis.
I've also noticed that Firefox plugin is now available.
Sure, Jux2 can be used as a meta search tool (searching Google, Yahoo, and Ask Jeeves) but I like to use it as a comparison tool to quickly identify what one engine offers versus the others. With the tabs listed at the top of a results page you can easily identify the results that are unique to each engine (10 results at a time).
It would be very useful if Jux2 would also allow the searches to run comparisons looking at let's say the first 50 or 100 results at a time. Also, how about adding MSN Search to the mix?
The Jux2 blog has more including why Jux2 was purchased but no company name is provided.
Welcome back, Jux2.
Postscript: The return of Jux2 also comes at a good time because from what we've learned from reader Dan G. and noticed ourselves, another comparison tool (that we like a lot), Ranking.thumbshots.com has not been functioning properly for more than two weeks. Thumbshots compared 100 results at a time in a graphical format. Chris wrote about it here. SearchDay has also offered a look at a Dogpile search results comparison tool and Danny has written positive comments about DoubleTrust.
The Original Search Marketing Event is Back!
SES Denver (Oct 16) offers an intense day of learning all the critical aspects of search engine optimization (SEO) and paid search advertising (PPC). The mission of SES remains the same as it did from the start - to help you master being found on search engines. Register today!